Ngaba kufuneka ndizithengise izabelo zam, okanye mhlawumbi ukuzigcina sesona sicwangciso sichanekileyo? Le yeminye yemibuzo ebuzwe ngabanini zabelo abaninzi, njengemeko yakho, abo baselugcinweni imali yabo kwinkampani yophuhliso oluzinzileyo iAbengoa. Ngenxa yoko Isicelo sakho sokungena kwinkqubo yokuchithwa kwemali emva kokudibana neengxaki ezinzulu zemali kule minyaka idlulileyo. Akumangalisi ukuba inkampani ibonakalise ityala elipheleleyo elihlanganisiweyo kwi-8.903 yezigidi zeerandi.
Iziphumo zalo manyathelo khange zithathe xesha lide ukufikelela kwiimarike zezemali, neziphumo ebezilandelayo Izabelo ezincinci. Kwelinye icala, iyekile ukudweliswa kwi-Ibex 35, isalathiso esikhethiweyo sentengiso yemasheya yaseSpain. Kwaye kwelinye, okubaluleke kakhulu ukuba uthathe izikhundla kwixabiso, ngokuwa kwexabiso, nge-78% yokuhla kwexabiso kwiimarike zentengiso, ngokubhekisele kumaxabiso ngaphambi kokukhutshwa kwengxelo ekhutshiweyo kwiKhomishini kaZwelonke yeNtengiso yeStock (CNMV). Kude kube ngoku kuthengiswa nge-0,292 euros.
Kwiintsuku ezintathu ilahlekile phantse ikota ezintathu yoqikelelo lwamaxabiso kwimarike yemasheya, kunye nomthamo omkhulu wezokhuseleko ezithengiswayo, oko kuthetha ukuba abatyali mali baphalaza izikhundla zabo ngokukhawuleza. Ngaphambi kokuba iindaba ziqhekeze, isitokhwe sasithengisa nge-0,916 euro ngesabelo ngasinye, ezantsi ngama-50% kwixabiso laso ekupheleni konyaka ophelileyo.
Ukudala, nakweyiphi na imeko, ukuhla okukhulu kumaxabiso abo, kunye nokuhla kwexabiso malunga neepesenti ezingama-30 kwiseshoni enye yorhwebo, kunye nokwanda okuphawuleka ngokulinganayo okufumanise ukungaqiniseki okunzulu okwenziwa yinkampani yaseAndalusian ngokwemali yayo.
Ukuziqhelanisa, ukuba ungene ekupheleni kuka-Okthobha ngomsebenzi oxabisa i-10.000 euros, uya kubona ukuba kwiintsuku nje ezimbalwa ikomkhulu lakho linciphisiwe laya kwi-3.292 euro kuphela.
Iziphumo phakathi kwabatyali mali
Kwiiveki ezidlulileyo, abahlalutyi abaziintloko bezentengiso zentengiso bancomela ukuba bangalifaki eli xabiso nangayiphi na indlela. Ngaphandle kwayo yonke into, usenokuba ubatyeshele, ngethemba lokufumana izibonelelo ezintle kwiminikelo yakho ngokusebenzisa amaxabiso abo asezantsi. Ewe, khange kube njalo, kodwa uya kubona ukuba izihloko zakho ziyaqhubeka njani ukuwa kwiparadise yaseMadrid.
Nangona kunjalo, kusekho ukungaqiniseki okuninzi okuhlaselayo ngeli xesha. Ukuqala, kufuneka uzikhumbuze loo nto iyaqhubeka nokuthengisa kwimarike yemasheya, emva kokunqunyanyiswa okwethutyana kwezihloko zabo. Nangona ngexabiso eliphantsi kakhulu ngenxa yesigqibo esibalulekileyo senkampani.
Ujongene nale meko, kuya kuba luncedo kakhulu ukwazi isicwangciso esifanelekileyo sokukhusela imali yakho. Ukuba uthengisa izabelo ngexabiso lentengiso, okanye ngokuchaseneyo, zigcine zinomnqweno wokuba zenze iintlanganiso ezibalulekileyo ezikwenza ukuba ubuyise inxalenye yegalelo lakho. Kwaye usebenzise imeko, ukuba awunazabelo, Ungahendeka ukuba uvule izikhundla ngesisombululo esinokubakho kule ngxaki.
Imeko ezivela
Okwangoku, onke amathuba ahlala evulekile, kubandakanya isisombululo esifanelekileyo, ngenxa yokungena kweqela lezeshishini, nangoncedo oluvela kurhulumente, njengoko kucetyisiwe ngamacandelo athile ezoqoqosho nezopolitiko eli lizwe.
Ngayiphi na imeko, kuya kufuneka bahlalutye ukusukela ngoku iimeko ezahlukeneyo ezinokuvela kule meko ikhethekileyo. Lifikile ixesha lokuba uqale iqhinga, ngaphandle kweengxaki ezininzi, ekujongwe ukuba zikhusele umdla wakho njengomnini zabelo.
- Ukurhoxiswa koluhluIya kuba yeyona meko imbi kakhulu ukuba unezikhundla ezivulekileyo kwinkampani, kuba izabelo zakho ziya kuyeka kwangoko ukurhweba kwimarike yemasheya. Kwaye ngenxa yoko, awunakuthengisa ngokhuseleko lwabo de kube kunyuswe umlinganiso. Inokuhlala ixesha elide, nokuba kunokwenzeka ukuba ungayenzi. Iziphumo ezingxamisekileyo kukuba ubuya kubanjiswa ungenako ukwenza nto, hayi ngaphezulu. Ukongeza, kuya kufuneka ujongane neendleko zokugcina eziza kusetyenziswa yibhanki yakho kulawulo lokhuseleko. Iya kubonisa isixa esiyi-0,10% kwisixa sokwenziwa komsebenzi.
- Izitokhwe ziyaqhubeka nokuthengisa: akukho nto inokukhathaza yile meko uza kuyibuza, nangona ubuncinci unokusebenzisa ukhetho lwakho kwiimarike. Ukuqikelela ngokuhla okutsha nokubukhali kumaxabiso abo. Ukuvalwa kwezikhundla kunokukhokelela ekubeni ube nelahleko phakathi kwe-60% kunye ne-90%, ngokubhekisele kwii-odolo zakho zokuthenga.
- Ukungena kwabatyali mali abatsha: Awunakugweba ukuba iqela elithile lezoqoqosho, ingxowa mali yotyalo mali, kwaye nangoncedo lukarhulumente waseSpain, inkampani inokuphinda idade, okanye ubuncinci ibe nesabelo mali ukuze iqhubeke nokusebenza kwimisebenzi yayo yobungcali. Ngale ndlela, kusekho umda wexesha lokuba le meko igqitywe. Uya kuba neenyanga ezine zokuxoxa ngesisombululo kunye nababolekisi bakho abaphambili. Kwimeko apho, ukunyuka kuya kubuya kwakhona, nangona kungaziwa ukuba ngamandla afanayo nentshukumo yangaphambili. Isiphumo sokuqala iya kuba kukuba abatyali mali abaninzi baya kuthatha izikhundla besebenzisa amaxabiso abo asezantsi.
Ungayisombulula njani ingxaki?
Izicwangciso onokuthi uziphuhlise ziya kuncitshiswa, ngenxa yesiphumo sobuzaza beli shishini. Akuyi kubakho khetho ngaphandle kokujonga imeko yakho yezemali, ukuya kuthi ga kweliphi inqanaba lelahleko onokucinga ngalo, okanye ngokuchaseneyo, ukuba kuya kulunga ukulinda ixesha elide ukuze imeko iqheleke. Ngayiphi na imeko, ukuba awufuni kubanjiswa ngokunqunyanyiswa okunokwenzeka kunye nokuqinisekileyo kuluhlu lwakho, uya kuba neendlela ezimbini onokubhenela kuzo:
- Ukumisela ngokusesikweni ukuthengisa: ngekhe ubenaso esinye isisombululo ngaphandle kokuvuma impazamo yakho kwaye ugqibezele umsebenzi ngokuqinisekileyo. Ukuthatha ukuba uya kuyenza ngokukhubazeka okukhulu. Kodwa ubuncinci awuyi kuphulukana nayo yonke imali oyityalileyo. Unga ungxamela eli qhinga ngokuzama ukukhangela iirali ezinokubakho ngexabiso elinika umda omkhulu ekuhlaleni komsebenzi.
- Bamba izikhundlaIseyindlela enobungozi yokuxhomekeka kwisiphumo sokugqibela songquzulwano. Njengento elungileyo, ungabuyisa amaxabiso abo ngokuthe chu. Kodwa ukusuka kolunye uluvo, kukwenza uphulukane nayo yonke imali oyigcinileyo ukuba akukho sisombululo kwingxaki, kwaye inkampani ngokuqinisekileyo iya kubhengezwa. Kwimeko apho, uya kuba usezantsi kuluhlu ukufumana iminikelo.