Nabani na oza kutyala imali yakhe kwiimarike ze-equity kuya kufuneka aqwalasele ubuncinci kwezi buchule kutyalo-mali. Nokuba kusekwe kuhlalutyo lobuchwephesha okanye, ngokuchaseneyo, kuhlalutyo olusisiseko. Ziinkqubo ezahlukeneyo ngokupheleleyo kodwa ezi zimbini zinokugcwaliseka. Ngayiphi na imeko, ngamanqaku amabini enkxaso onawo okwangoku ukuvula okanye ukuvala izikhundla kwimarike yemasheya. Ayothusi into yokuba baya kukunika ukhuseleko olukhulu ekusebenzeni ukusukela ngoku. Oko kukuthi, emva kwayo yonke loo nto, imalunga nantoni.
Njengoko unokuba namava kwiminyaka yakho embalwa okanye emininzi yotyalo-mali, kukho iprofayile yabasebenzisi abakhetha uhlalutyo lobuchwephesha kunokuba lusisiseko okanye ngokuchaseneyo. Njengabalamli bezezimali, bakhetha enye okanye enye inkqubo yohlalutyo, kuxhomekeke kwizinto eziphambili kubo. Kumthetho, Akukho luhlalutyo lungcono okanye lubi kunomnye. Ukuba akunjalo, ngokuchaseneyo, zisekwe kwizinto eziyinyani ezahlukileyo. Ngale ndlela, kubaluleke kakhulu ukuba uchaze ukuba yeyiphi iminqweno yakho ukuze ukhethe olona hlalutyo lufanelekileyo noluchanekileyo.
Ukuba ujonga amaqonga otyalo-mali lwedijithali uya kubona ukuba uninzi lwabahlalutyi basebenzisa uhlalutyo lobuchwephesha ukwenza olwabo uqikelelo lweemarike zentengiso okanye ezinye iiasethi eziyimali. Kungenxa yokuba kulula kakhulu ukuya kwezi nkcazo kwaye hayi kwidatha esisiseko yeenkampani ezidwelisiweyo, kwelinye icala, ezifuna ukulungiswa okukhulu kwicandelo lezeshishini kwaye kule ngqondo kuphela ziingcali ezinokukwazi ukwenza le misebenzi ikhethekileyo. Okwangoku, eyona njongo yakho iphambili kufuneka ibe zezi zinto zombini ziqukethe.
Uhlalutyo lobuchwephesha: bona umzuzu
Inkqubo yokuqala yohlalutyo, kwaye akufuneki ukuba ibaluleke kakhulu, yinto ekuthiwa yeyobuchwephesha. Ewe, uhlalutyo lobugcisa ngokusisiseko luqulathe ukukhangela ukuba yeyiphi eyona meko yesitokhwe okanye ezinye iiasethi zemali. Ayothusi into yokuba isekwe kwi isifundo sento yentengiso, ikakhulu ngokusebenzisa iigrafu, ukulungiselela ukuqikelela ukuba iya kuba yintoni indlela yokuziphatha kwayo ngexesha leeseshoni ezilandelayo. Ngenxa yolu phawu lubalulekileyo, alithandabuzeki elokuba yeyona nkqubo ilungileyo yokwazi ukuba lingena njani na kwaye liphuma phi na kwiimarike zezemali.
Uhlalutyo lobuchwephesha lusetyenziswa ngaphezulu kwako konke ekusebenzeni kwexeshana kwaye kufanelekile kakhulu ekuhlengahlengiseni amaxabiso. Zombini kwimisebenzi yokuthenga neyokuthengisa. Lo ngumahluko omkhulu kuhlalutyo olusisiseko. Ngeenkcukacha zakho Ukutolika ezi ntshukumo Awunakukhetha ngaphandle kokuzibona ngemizobo. Apho uluhlu olubanzi lwamanani, amanqanaba kunye neendawo zimelwe khona ezingakunceda ngcono ukuba wazi okwenzekayo kwizabelo. Ingakumbi kwiintshukumo ezijolise kumagama amafutshane.
Uncedo ekuthengeni
Ngaphandle kwamathandabuzo, uhlalutyo lobuchwephesha yinkxaso ekhethekileyo yokuba wenze ii-odolo zakho zokuthenga. Phakathi kwezinye izizathu kuba kuya kukunceda wazi ngokuthembekileyo okukhulu okuyi inqanaba lexabiso apho kufuneka ungene kwiimarike zezemali. Uneziqinisekiso ezingaphezulu zokufezekisa ezi njongo ngakumbi ukuba uzithelekisa nezinye iinkqubo zohlalutyo ezinzima ngakumbi. Ukuya kwinqanaba lokuba ungagcina i-euro ezininzi kwimisebenzi nganye eyenziwa phantsi kwale nkqubo esisiseko. Nangona kuya kufuneka uyazi ukuba ayiyiyo inkqubo engenakusilela ngokupheleleyo. Hayi kangako.
Ewe awuyi kuba nanto unokuyenza ngaphandle kokuba ufunde okuthile kule ndlela yohlalutyo. Ngaphandle kwezinye izinto ezisisiseko, njengoko unokucinga kwasekuqaleni. Ngayiphi na imeko, ulwazi olufunyenwe kuhlalutyo lobuchwephesha luya kukushiya uzilungiselele ngakumbi ukuze ukwazi ukuphucula eyakho imisebenzi yokuthenga kunye nokuthengisa ukususela ngoku ukuya phambili. Ukuza kuthi ga kwinqanaba lokuba baya kukuxelela ukuba ngawaphi amaxabiso asemgangathweni ngalo mzuzu kwaye ke kuya kufuneka uvule izikhundla kuwo. Okanye ngokuchaseneyo, ukuba lelona xesha lilungileyo lokuzilungisa izikhundla. Bayakuxelela nokuba ukhuseleko ligqithisile okanye lugqithisile, umzekelo.
Ukuhamba kwestokhwe
Kodwa ukuba uhlalutyo lobuchwephesha lubonakaliswa yinto ethile, kungenxa yamandla ayo aphezulu okuqikelela. Oko kukuthi, kubonisa ukuba yintoni i- imeko yokwenene yokhuseleko, icandelo okanye isalathiso sesitokhwe. Ukuba iyanyusa, ibambekile okanye iphambi. Ayilolize, iya kuba ikunika ulwazi olubaluleke ngokukodwa ukuze wenze izigqibo zakho kwiimarike zezabelo. Ngenye indlela okanye enye, njengoko kusengqiqweni ukucinga ngale ndlela yotyalo-mali. Ngale ndlela, uyakube udlala ngenzuzo ethile ukuba imisebenzi yenziwa kwelona xesha lifutshane lokusisigxina.
Kwelinye icala, inokutyhila ifayile ye- ubunzima beentshukumo. Oko kukuthi, ukuba baya kuba bufutshane ngexesha okanye ukuba, ngokuchaseneyo, banohambo olunzima ngakumbi ukusuka kuloo mizuzu. Ukusuka kolu luvo lohlalutyo, kunokuthiwa igcisa yinkxaso efanelekileyo kuwe ukuze uphumeze izigqibo zakho ngesiqinisekiso esikhulu sempumelelo. Ke cinga amawaka namawaka abatyali mali abancinci nabaphakathi abakhetha le nkqubo ukumisela nokulawula utyalomali lwabo. Ngandlela thile, yinkqubo yokuba utyale imali kwimarike yemasheya ngaphandle kwengqondo. Njengoko kuya kwenzeka kuwe ngaphezulu kwesihlandlo esinye.
Uhlalutyo olusisiseko
Olunye uhlalutyo olwahluke kakhulu lolona lubalulekileyo kuba kule meko into ethathelwa ingqalelo liqumrhu leshishini lenkampani edwelisiweyo. Kungenxa yokuba, uhlalutyo olusisiseko lungaphezulu kwayo yonke indlela ethile yohlalutyo lweemarike zentengiso, kwaye oko kujolise kuko misela ixabiso lokwenyani lokhuseleko okanye isenzo, esibizwa ngokuba lixabiso eliphambili. Ngedatha efanelekileyo, enje ngetyala layo, ixabiso leencwadi okanye ezinye ezininzi ezibonisa imeko yenkampani edweliswe kwiimarike zezabelo. Nangona kunjalo, luhlalutyo olunzima ngakumbi njengoko uza kubona kwezi zihlandlo zichanekileyo.
Kungenxa yokuba le nkqubo esetyenziswa engxoweni ininzi kwezi Iziphumo zeshishini hayi kwindlela ezenza ngayo izinto. Ayinanto yakwenza nomnye nomnye, nangona kunjalo ziidatha onokuzixhasa ngokugqibeleleyo ukusukela ngoku. Ukuza kuthi ga kwinqanaba lokuba baya kunika ukhuseleko ngakumbi kwimisebenzi nganye oyenzayo. Ngayiphi na imeko, kuya kufuneka ukhumbule ukuba le nkqubo yohlalutyo ifuna ulwazi ngakumbi kunolo lobuchwephesha. Ayingabo bonke abatyali mali abaya kuba kwimeko efanelekileyo yokutolika idatha ebonelelwe lolu hlalutyo lubanzi.
Amaxabiso ezabelo ekujoliswe kuzo
Ngokungafaniyo nohlalutyo lobuchwephesha, kule meko iluncedo ngakumbi ekusebenzeni ngaphandle kwalo naluphi na uhlobo lokuvuthwa. Apho unokugcina khona utyalo-mali lwakho ukuya kuthi ga kwimimiselo oyifunayo mzuzu ngamnye. Ukusuka kule ndawo yokujonga, awungekhe uhambe ngokungalunganga ngohlalutyo olusisiseko iphelele ngakumbi kunobuchwephesha. Nangona eyona nto inzima kukuba ungasitolika ngokuchanekileyo. Ayothusi into yokuba enye yeengxaki ezinkulu ekusetyenzisweni kwayo kukuba unokwenza impazamo kwaye usebenze kwimakethi yesitokhwe enokuba yingozi kwiminqweno yakho okanye yobungcali. Lo ngomnye wemingcipheko emikhulu onokuba nayo ngokusetyenziswa kwale nkqubo ikhethekileyo.
Hayi ngelize, awungekhe ulibale ukuba le yindlela ekugqibeleni ethi izame ukubala elona xabiso lokhuseleko. ngohlalutyo lwephepha lomncono kwaye uyithelekise nexabiso lentengiso. Ngale ndlela, ukwimeko ezifanelekileyo zokutyhila ukuba amaxabiso ezabelo ezithile ayabizi okanye ayabiza. Kungenxa yokuba ngale nkqubo, abalamli bezemali banikezela ngolwazi olubaluleke njengexabiso ekujoliswe kulo lezabelo kwaye lihlaziywa amaxesha ngamaxesha. Ngayiphi na imeko, sisiqwenga solwazi esikunceda ukuba wazi ukuba ngawaphi amanqanaba ezabelo zenkampani.
Njengoko sele ubonile, ziindlela ezahlukeneyo ezinokusetyenziswa ngokuxhomekeke kwiprofayili oyibonisayo. Kodwa ngokubhekisele kulwazi kuya kufuneka utolike uhlalutyo ngalunye kwezi zimbini. Ayothusi into yokuba into yokuba amathuba abatyali mali abancinci naphakathi ahluke. Kungenxa yokuba ayothusi into yokuba abanye abasebenzisi bakhethe enye indlela kwaye abanye bayisebenzise. Okokugqibela, into ekufuneka uyiqwalasele ngeli xesha, zombini uhlalutyo ziindlela zokwenza ukonga kunenzuzo kunye neziqinisekiso ezinkulu zempumelelo. Ngaphandle kokunye ukuthathelwa ingqalelo kutoliko lwezabelo kwiimarike zamasheya kwaye yenye yeenjongo eziphambili zotyalo-mali kwimarike yemasheya.
Ndiqondile ukuba uhlalutyo olusisiseko lolona lwesiqhelo, ulwazi uluphethe kakuhle, enkosi ngokucacisa amathandabuzo, ngoku ndinolwazi ngakumbi ngazo zombini, kufuneka sithathe iingcebiso kwiingcali. Okwangoku, sikwanomrhwebi oselula ogama linguFernando Martínez Gómez-Tejedor, obonakalise kwizicwangciso zakhe ezibalaseleyo kwezorhwebo kunye nomgangatho ophakamileyo njengomntu.