Uyenza njani i-bubble yezemali?

Kwiinyanga ezininzi, amazwi agunyazisiweyo ngakumbi nangakumbi belumkisa malunga nokuqhuma kwebhola yemali. Yimeko engafunekiyo ngabameli bezemali abohlukeneyo, nangona kuyinyani ukuba lixesha elingaziwayo kwinxalenye enkulu yoluntu. Ngobunzima bezinto ezinokubangelwa yile meko yoyikekayo bayoyikeka kunene. Akumangalisi ukuba yinto enokuthi ichaphazele ezona zinto zibalulekileyo zoqoqosho. Ukusuka ekudalweni kwemisebenzi ukuya ekukhuleni koqoqosho kwelizwe.

Ngaphambi kokuba uqalise ukukhangela iziphumo zebhabhalikhi yezemali, akukho nto ilunge ngakumbi kukuqinisekisa ngentsingiselo yayo yokwenyani. Ewe, le meko yoqoqosho ngokusisiseko iqulathe intsebenzo kunokuba isitsho isenzeko esenziwe kwiimarike zezemali, ubukhulu becala ngenxa Inkqubo edityaniswe nentelekelelo. Inokufunyanwa ngezizathu ezahlukeneyo kunye nendalo eyahlukeneyo, enje ngezindlu, indawo yentengiso okanye naluphi na olunye uhlobo. Akukho zithintelo ngokubhekisele kwimvelaphi yezi nkqubo zoqoqosho okanye zemali ezifanelekileyo ngokukodwa.

Inye into ekufuneka kujongwane nayo ukuze uyiqonde ngokobunzulu bayo yile ibhekisa kwiziphumo zayo kuluntu olixhoba lale ntshukumo inzima. Ewe, ayinakulityalwa ukuba enye yezona ndlela zixhaphakileyo inokwenzeka ngenxa yokunyuka okungaqhelekanga kunye nexesha elide kwixabiso lezabelo ezithile okanye nakwizindlu nomhlaba. Ukuya kuthi ga kwinqanaba lokuba isiphumo salo esikhawulezileyo kukubonakala kubalulekile Umoya wento ekuthiwa kukuqikelela. Kwaye zeziphi iimpembelelo ezikhawulezileyo? Ewe, ngelishwa yintoni eyenzakalisa uqoqosho ngokubanzi.

Bubble: kweziphi iiasethi zemali?

Ibhola yemali inokuvela kuyo nayiphi na i-asethi eyimali, nangona kunqabile. Ngale ndlela, Akukho klasi ikhutshelweyo iqinisekisiwe ngamava eminyaka yakutshanje. Naziphi na zazo zinokuzisa iziphumo ezinokuthi zithathelwe ingqalelo njengezingendawo. Kukho into enokuthi yenziwe njengebhamu kwiimarike ze-equity ezivela kwiityala. Akumangalisi ukuba, bahambe ngenkqubo efanayo kuzo zonke iimeko. Ukuza kuthi ga kwinqanaba lokuba ungaphazanyiswa yinxalenye elungileyo yababukeli bezoqoqosho. Njengokwenyani ukuyicacisa ngokuchanekileyo kwaye uyenze iqondakale kubo bonke abasebenzisi.

Ukusuka kule meko ngokubanzi, akukho mathandabuzo ukuba iqala ngendlela ecace gca. Ngamanye amagama, kukho ubushushu obungaqhelekanga ngokwamaxabiso abo obakhokelela ekubeni bafikelele kumanqanaba athile angahambelaniyo. Nokuba yeyiphi na impahla yeasethi echaphazelekayo, ipropathi, ityala likarhulumente okanye nayiphi na intsimbi exabisekileyo. Ngenxa yesi senzo, abatyali mali banokufumana imali eninzi kwimisebenzi ephuhlisiweyo. Kodwa kuya kufuneka bavale izikhundla zabo ngokukhawuleza kuba banokuphulukana nenxalenye enkulu yenkunzi yabo ngexesha elifutshane kakhulu.

Ixabiso eligqithisileyo liyadubula

Inkqubo apho iibhola zemali zenzeka khona ngakumbi ngokunyuka kwexabiso leasethi eyimali. Kungenxa yokuba ukuba le nkqubo ikhethekileyo ibonakaliswa yinto ethile, kungenxa yokuba iiasethi ekuthethwa ngazo zikhula ngokungalinganiyo kwaye zande ngokungaqhelekanga ngexesha elithile lexesha ngenxa yokunyuka kwentengiso ethi linyuse ixabiso lalo. Kude kube kufikelela kumanqanaba mhlawumbi abangazange bafikelele kuwo kwaye atsale umdla wabatyali mali abancinci nabaphakathi. Ayothusi into yokuba sithetha ngokuhamba kwiimarike zezemali ezingaqhelekanga kwaphela. Ukuba akunjalo, ngokuchaseneyo, zicacile ngokukodwa njengoko ubona kwinkcazo yeli nqaku.

Kwelinye icala, le meko inokukunceda ukuba uthengise kamva kwaye ngale ndlela ufezekise inzuzo enkulu kwimisebenzi eqhutywa kwiiasethi zemali ezihamba kule meko. Ngelixa kwelinye icala, umphumo wesiphumo uchasene ngokupheleleyo. Oko kukuthi, xa ixabiso leemveliso okanye iiasethi bezikho into yokuthelekelela zikude kakhulu nexabiso lokwenyani ekufuneka benazo ngelo xesha. Iziphumo ezingxamisekileyo kukuba ixabiso liyaxhuma emoyeni njengoko besitsho ngokungafanelekanga. Ngokuwa okunokubeka emngciphekweni utyalo-mali lwabasebenzisi.

Ukuwa kwamaxabiso

Amaxabiso anokuthi yehla ukuya kuma-50% okanye nangobunkunkqele ngakumbi okanye into efanayo ziyawa ngobushushu obukhulu. Kwiintshukumo ezingaqhelekanga kwaphela kuphuhliso lwazo ezinokuthi zifikelele kwixabiso elinguziro, njengoko kwenzekile kutshanje kwenye i-asethi eyimali. Lo ngomnye wemingcipheko yokubekwa kule klasi yokhuseleko okanye iiasethi zemali. Kungenxa yokuba awungekhe ulibale ukuba ungalahla phantse lonke utyalomali olwenziwe ukuza kuthi ga ngoku.

Kungenxa yoko le nto kungothusi ukuba ezi ntshukumo zingaqhelekanga zibizwa sibange kwaye oko kunokuveliswa nakwiimarike zezabelo kwaye ngakumbi kwimarike yemasheya. Ukuza kuthi ga kwinqanaba lokuba banokubutshabalalisa ubutyebi belizwe njengoko beyintshukumo eyingozi kakhulu kuyo yonke imiba yezoqoqosho. Ukusuka kolu luvo, awungekhe ulibale ukuba kuphuhliso lwayo kuya kufuneka uphephe ukubekwa endaweni kuba unokuzibona untywiliselwe kukulahleka okukhulu. Ngaphezulu kunokuba unokucinga kwasekuqaleni.

Ijoni yoxinzelelo olukhulu

Ukuphononongwa kwembali akubonakalisi ukuba ezi ntshukumo zinokuba yimvelaphi yoxinzelelo olukhulu kuqoqosho lwelizwe okanye kwihlabathi liphela. Kukho imizekelo yezinto ezenzekileyo kwifayile ye- Ukudakumba Okukhulu kwee-30 e-United States kunye neqokobhe lokuthengisa izindlu nomhlaba elingaziwayo eliseJapan ngeminyaka yoo-80. Zibonisa kakhulu iziphumo zale ntshukumo iyingozi kwimpahla yezezimali. Okungaphezulu kokuhla kwexabiso lentengo yokwenyani okanye ubuncinci bexabiso eliqikelelweyo.

Kuba, enyanisweni, inokukhokelela kuqoqosho lwelizwe. Ngokukhula okuncinci koqoqosho, ukungabikho kwemisebenzi kunye nexabiso kwi Ixabiso lemali phantsi. Ngamafutshane, kwimeko enokwenzeka xa ichaphazela iziseko zesizwe. Ngale ndlela, kule mihla abantu bathetha ngeqamza kumatyala oluntu kwaye nangawuphi na umzuzu kungonakalisa ulindelo lwabatyali mali abancinci nabaphakathi. Ngale ndlela, icandelo elilungileyo labahlalutyi bezezimali bacebisa abaxhasi babo ukuba bangavezwa kwimali engenayo esisigxina yezi mpawu. Kuba banokulahlekelwa ngaphezulu kokuphumelela.

I-bubble yokuthengisa izindlu nomhlaba eSpain

Enye yeemeko ezikufutshane kakhulu esijamelana nazo eSpain ngexabiso lezindlu. Kungenxa yokuba, inyuka kwakhona kumanqanaba angabonwanga kwiminyaka yakutshanje kwaye inokuba sesona sizathu sokuphambuka kwamaxabiso ukuba kwenzeke. Ngengqiqo, ukuba abatyali mali kule klasi yeepropathi benza imali eninzi ekusebenzeni kwabo. Kodwa kunjalo babaleka umngcipheko omkhulu wokuba ungaphelelwa sisibindi ngenxa yebhola yezi mpawu. Ayothusi into yokuba ikwayinkqubo efanayo eyafunyanwa eSpain ngokuqala kwengxaki yezoqoqosho. Apho ixabiso lendlu lehle laya kumanqanaba angalindelwanga ngabanini abatsha.

Abahlalutyi beshishini sele belumkisa ukuba le nkqubo inokwenzeka. Enye yeempawu zokufikelela kwesi sigqibo kukunyuka ngokukhawuleza kwexabiso yokuqeshisa Ngexesha leenyanga zokugqibela. Kwizihloko ezikhulu kufikelelwe kuzo Amaxabiso athintelwe ngokwenene ngenxalenye elungileyo yabathelekisi abanokubakho. Esi sisilumkiso esinzulu malunga nokwenzekayo ngokufudumeza kwexabiso lentengiso yezindlu. Icandelo elisisiseko kuqoqosho lwaseSpain kwaye ukuba liyenzeka linokonakalisa ukubuyiselwa kwezoqoqosho eSpain.

Izisombululo zokujongana nengxaki

Phambi kokuba iziphumo ezibi zebhabhalaza yezoqoqosho okanye yemali ifike, akusayi kubakho khetho ngaphandle kokuthatha uthotho lwamanyathelo okunciphisa izehlo zawo. Ewe kunjalo, ukusombulula le ngxaki, iBhanki eNkulu yaseYurophu ikwisimo nyusa inzala zebhanki, kwaye, kancinci kancinci, amaxabiso ezenzo kunye nemigangatho iya esiqhelweni. Njengoko inqweneleka kwinxalenye enkulu yeearhente zezoqoqosho ezithatha inxaxheba kule nkqubo imangalisayo. Kwelinye icala, kuya kufuneka uyithathele ingqalelo yonke into enxulumene nomthetho wonikezelo kunye nemfuno.

Ngayiphi na imeko, sithetha ngesinye seziganeko eziyingozi kuqoqosho lwawo onke amazwe kwaye oorhulumente bazama ukuluthintela ngandlela zonke. Kungenxa yokuba iziphumo zayo zibulala umdla wabo bonke. Nangona kwelinye icala, ingaqhelekanga kakhulu ukuba ezi ngxaki zivele rhoqo. Ukuba akunjalo, ngokuchaseneyo, ngamaxesha athile okwexeshana.