Inxalenye elungileyo yotyalo-mali yenziwa kwii-euro kuba yeyona mali iphakathi kwabagcini baseSpain. Nangona kunjalo, ayinakwenzeka kuphela ukusebenza kule mali kodwa kwezinye ezinokubaluleka kwamanye amazwe. Umzekelo, idola yaseMelika, iponti yaseBritane, ifranc yaseSwitzerland okanye yen yen ekude yaseJapan. Eyona nto ilahlekileyo sisigqibo sakho sokutyala imali kwi-asethi yezemali leyo ngaphandle kwi-euro. Kodwa malunga nazo zonke iimveliso zezezimali ezivumayo ukuba kunokwenzeka oku, kwelinye icala uninzi lwazo. Ukususela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya ukuya kuthi ga kwiidipozithi zebhanki.
Utyalo-mali kwezinye iimali zamanye amazwe zikunika ithuba lokuba utyalomali lwakho luphuculwe ngokwemveliso evelisiweyo. Kodwa ke lumka kakhulu ngeli qhinga likhethekileyo kuba banako ukulahlekelwa yimali Kuzo zonke izinto ezenziwayo. Kungenxa yokuba ungaze ulibale ukuba utshintshiselwano lwangaphandle luyinto yexabiso lemali ethengiswa yonke imihla kwiimarike zezemali. Ngenxa yesi senzo, ixabiso lalo alisoloko lifana, kodwa ngokuchaseneyo, izinga lokutshintshiselana ngalo lihlala litshintsha. Ukuza kuthi ga kwinqanaba lokuba ungenza ishishini ngezi ntshukumo okanye ushiye inxenye elungileyo yenkunzi yakho.
Enye into ekufuneka ithathelwe ingqalelo ukusukela ngoku ukuya phambili kukufumanisa ukuba yeyiphi imveliso yolondolozo kunye notyalo mali exhasa esi sicwangciso kwaye phantsi kwaziphi iimeko onokuthi usebenze kuzo. Ngenjongo yokuba ukusukela ngoku uya kuba neemeko ezingcono ze phucula umgca wakho wezantsi kulo lonke utyalo-mali lwakho. Nangona kungekho mathandabuzo ukuba xa usebenzisa le nkqubo uyakuba uthatha umngcipheko omkhulu ekusebenzeni. Ngaphandle kwezinye izinto zobuchwephesha kwaye ezinento yokwenza okuninzi neempawu zemveliso yezemali ekhethiweyo.
Izibonelelo zokutyala imali kwezinye iimali
Elinye lawona magalelo afanelekileyo otyalo-mali kwezinye iimali zamanye amazwe lisukela kwimbuyekezo yakho enokunyuka kwaye ngamanye amaxesha ngamandla amakhulu. Esi sesinye sezizathu zokuba kutheni abatyali mali abaninzi bekhetha i imisebenzi ngeedola, iiponti okanye iifranc zaseSwitzerland. Ayilolize, bazama ukubeka emngciphekweni imali yabo ngesi sicwangciso singaqhelekanga kubasebenzisi bemveli. Ukusuka kolu luvo ngokubanzi, uninzi mathuba o shishino apho kufuneka uyazi ukuba uyaphumelela okanye uyaphulukana. Kungenxa yokuba ungalibali ukuba sithetha ngeeasethi eziyimali.
Olunye uncedo lwayo kukuba inokukhethwa kwinani elikhulu lezezimali, hayi nje isindululo semali. Le yinto ebonelela ngokubanzi ukuguquguquka ekusebenzeni kwaye ivumela ukuthatha ithuba lamathuba amahle ekuveleni kwemali ethile. Nangona kufuneka ulumke ngakumbi ngexesha elibekiweyo, ngakumbi kwiimveliso ezinexesha elide kakhulu kuba iimpembelelo zazo zihlala zimbi kakhulu kwiminyaka edlulileyo. Umzekelo ocacileyo olatha kulo mkhwa ngulowo umelwe yimali mboleko yekhontrakthi engene kwezinye iimali. Ukuya kwinqanaba lokuba ithathwa njengemveliso enetyhefu.
Imali kwiimali zamanye amazwe
Ewe iidipozithi zexesha zezona ndlela zilula zokutyala imali kwiimveliso zokonga. Le ntshukumo yenziwa ekukhanyeni kwemida yenzuzo ebuthathaka enikezelwa zezi mveliso zebhanki ngalo mzuzu. Hayi ilize, yintoni na ngayo fumana izishumi ezimbalwa zepesenti malunga nomvuzo wabo. Njengoko iintshukumo zinobundlobongela ngakumbi. Oko kukuthi, ngokuguquguquka okukhulu kwixabiso leemali ezithandwayo. Apho eyona ngxaki inkulu isukela kwinto yokuba le meko iqhubekeka ngalo lonke ixesha lemveliso ekhethwe ngumtyali mali omncinci nophakathi.
Ngokubhekisele kwiidipozithi zekota, akunqweneleki kakhulu ukusebenzisa esi sicwangciso kuba kuncinci kakhulu ukuzuza ngenxa yembuyekezo ebuthathaka eveliswa yile modeli yolondolozo lwemveli. Ngelixa isicwangciso sisilele, akukho mathandabuzo ukuba inzuzo ekugqibeleni inako ungabikho. Ngaphandle kokungalunganga kwemali iya kufuneka inyanzeliswe ixesha eligqithisileyo. Akumangalisi ukuba lo ngomnye umngcipheko ekufuneka uthathwe kunye nekhontrakthi yedipozithi yekota. Apho unokulahlekelwa ngakumbi kunenzuzo. Oko kukuthi, emva kwayo yonke loo nto, ukhetho lwakho lumalunga nantoni.
Iingxowa-mali ezimbaxa ngakumbi
Enye yeemveliso zemali ezivumela ukwenziwa kwekhontrakthi kwezinye iimali ngaphandle kwe-euro ngokungathandabuzekiyo ziingxowa-mali zotyalo-mali. Zombini kuhlobo lwayo lwengeniso olwahlukileyo nolungaguquguqukiyo. Kodwa ngophawu olwahlukileyo kwaye yiyo loo nto ukusebenza uphethe ikhomishini Oko kungathintela umgca osezantsi wotyalo-mali. Kuba, eneneni, ukuqesha kwakho kuvelisa intlawulo yotshintshiselwano lwemali. Into eza kuza ngokuchasene nayo ukuba ekugqibeleni inzuzo efunwayo ingafezekiswa ngabatyali mali abancinci nabaphakathi. Ukuya kuthi ga kwinqanaba lokuba ayinakuba yinto enenzuzo kwinxalenye elungileyo yabanini bemveliso yezemali.
Kwelinye icala, awungekhe ulibale ukuba imali yotyalo-mali ibhaliswe kwezinye iimali ngaphandle kwe-euro iqulethe iingozi ezininzi kunesintu. Ngokuchanekileyo ngenxa yolu phawu sikubonisa lona kwaye kungenxa yokuhla kwamandla emali ngokwayo kwiimarike zezemali. Ukusuka kolu luvo lotyalo-mali, alithandabuzeki elokuba kuya kufuneka uhlalutye esi sicwangciso sibaluleke ngakumbi kulawulo lwakho. Ngaphandle kwenyani yokuba ingxowa-mali ekuthethwa ngayo ichanekile kakhulu ukusebenzisa iimeko zentengiso.
Iimali-mboleko ezibhaliweyo kwezinye iimali
Kananjalo asinakulibala malunga nemali mboleko yezindlu ingozi enkulu yalo msebenzi ibaluleke kakhulu kwaye kwangaxeshanye inobungozi. Kuba ngokwenene, umngcipheko xa kuthelekiswa nezinye iimveliso mkhulu kakhulu. Nayiphi na impazamo ekubaleni inokubiza amawaka amaninzi ee-euro kwaye ayothusi into yokuba uninzi lwabasebenzisi lubanjiwe kolu hlobo lokusebenza. Ngesiphumo sokugqibela ukuba baya kuba bahlawule imali engaphezulu xa kuthelekiswa nokuba babebambe isivumelwano semali mboleko kwi-euro. Ngale ndlela, kuya kufuneka uqiniseke ukuba ukuvela kwemali ekhethiweyo kuya kuchaneka. Kuba ukuba akunjalo, iziphumo ziyingozi kakhulu kwimidla yakho.
Olu didi lwemali mboleko yobambiso lusayiniwe ngenkolelo yokuba ulondolozo lwemali lubaluleke kakhulu. Kodwa ngaphandle kokuqwalasela oko Uguquko lwemali yamkelwe ibingazukulindelwa kwasekuqaleni. Nokuba unamandla amabi ngakumbi kunokuba bekulindelwe kwaye oko kubonisa imali eninzi ekusebenzeni. Ngesi sizathu, ayisiyonto icetyiswayo yokwenyani yabasebenzisi kuba banokubakho ukubambezela kwiakhawunti zabo ezithile kwezinye iimeko ezingenakuxhaswa. Kule meko, ithathwa njengemveliso enetyhefu kwaye ke akufuneki ukuba ikhontrakthi ngayo nayiphi na indlela.
Ukusebenza kutshintshiselwano lwamanye amazwe
Okokugqibela, kufanelekile ukuqaqambisa ukuthengwa kwestokhwe kunye nokusebenza kwentengiso kwiimarike zamanye amazwe. Eyona ngxaki yayo iphambili kukuba ukusebenza kwayo kubandakanya iikhomishini ezifuna ngakumbi kunezo zentengiso zelizwe. Kangangoko banako Phinda kabini okanye kabini amaxabiso enikezelwa ngamaziko emali. Yonke into iya kusetyenziswa kakuhle ukuba ekugqibeleni inzuzo eyinkunzi inomdla ngakumbi. Kuba ukuba ayisiyiyo imeko le, iindleko ziya kuba phezulu. Ngaphandle kokubala kwisiphumo sokugqibela sokusebenza phesheya. Nangona kunjalo lithuba lokusebenzisa ithuba lokukhetha iifowuni eziveliswa kwiimarike zamasheya aphesheya.
Le misebenzi ayifuni kutshintshiselwano lwemali ngqo, kodwa lo msebenzi uthathwa ziimarike zemali. Kukwi- Iikhomishini ezahlukeneyo kunye neendleko zolawulo kunye nolondolozo apho uya kuqaphela ukuba ngumsebenzi obanzi ngakumbi. Nangona befikelela kumanqanaba eemveliso zangaphambili zemali ezazivelisiwe ngaphambili. Nangona kunjalo akukho mathandabuzo ukuba uyisebenzisa le nkqubo uyakuba uthatha umngcipheko omkhulu ekusebenzeni. Ngaphandle kwezinye izinto zobuchwephesha kwaye ezinento yokwenza okuninzi neempawu zemveliso yezemali ekhethiweyo.
Kungenxa yokuba kufuneka ukhumbule ukuba utyalomali kwezinye iimali aluthethi umvuzo ofanayo nalowo wenziwe kwimali efanayo yaseYurophu. Nangona kunjalo inokuqikelelwa, kodwa kuthathelwa ingqalelo ukuba ukungazinzi kwayo ngokungathandabuzekiyo kukhulu. Ngamanye amaxesha uphantsi kwamanqanaba apho ungakhange uthathe imisebenzi. Nokuba unamandla amabi ngakumbi kunokuba bekulindelwe kwaye oko kubonisa imali eninzi ekusebenzeni. Lixesha lokuba ke ngoku ucinge ukuba kufanelekile na ukuba utshintshe imali ukuze wenze ezi ntshukumo kwicandelo lotyalo mali oluhlala lukhuni. Ngaba kufanelekile? Ekugqibeleni isigqibo sakho siyaphumelela.