Akusekho mfihlo ukuba zininzi nangakumbi iindlela zokuba zizigidigidi ngokungcakaza nangokungcakaza kukarhulumente. Ngalo lonke ixesha kusenziwa iimveliso ezitsha, kwaye ezinye ziyahlaziywa, ukuze ube nokubetha kwethamsanqa kwaye utshintshe ubomi bakho. Elula njengaleyo. Ukuba ungumnini wethikithi lokuphumelela okanye itikiti kwenye yeeriflethi ezibanjwa veki nganye, ngokuqinisekileyo akusafuneki ukuba nexhala lokuya emsebenzini, kungasathethwa ke ngenkcitho yakho. Uya kuba nobomi obusonjululwe, mhlawumbi nangonaphakade.
Kuphela kufuneka uhlangabezane neemfuno ezimbalwa ukuze ujoyine uluhlu lwabantu abasikelelwe ngamathamsanqa. Kwindawo yokuqala, nanjengoko kusengqiqweni kwelinye icala, thatha inxaxheba kwirrafti ngokusebenzisa isixa ocinga ukuba kufanelekile, okanye ubuncinci uhlahlo-lwabiwo mali oluyilungiselele inyanga luyakuvumela. Kwaye eyona nto ibaluleke kakhulu, kwaye kwangaxeshanye kunzima ngakumbi ukuyizalisekisa, ukuba uwongwa ngebhaso eliphambili leraffle okanye umdlalo. Ukuba kunjalo, iingxaki zakho ziya kwahluka ukusukela ngoku. Kodwa, ewe, oko kuyanyamezeleka ngakumbi kwimidla yakho.
Ngalo lonke ukhuseleko, ukuba ibhaso olifumeneyo liya kukunceda urhoxise amatyala engeneyo, ude ugqibe nomngxuma woqoqosho ongaqhelekanga, kwaye awusadingi nayiphi na ibhanki ukuqhubela phambili umvuzo wakho. Endaweni yoko, uya kuqala ukonwabela ubomi bobutofotofo kunye nentuthuzelo, obubone kuphela kwimiboniso bhanyabhanya yaseMntla Melika. Ayilolize, uya kuba liklasi elitsha kwezentlalo, lelo lezityebi zintsha.
Ilottery kunye neerhafu zemidlalo
Uya kuba nengxaki enye kuphela, hayi encinci. Yonke imali oyifumanayo ngezi zinto zokuzonwabisa ayizukuphelela kuwe, kude nayo. Kuya kufuneka uhlawule imali eninzi kunondyebo. Awunakukhetha, nokuba iyakukhathaza kancinane. Onke amabhaso, amaxabiso amakhulu kune-2.500 ye-euro, aya kurhafiswa kwinqanaba lama-20%. Njengomphumo wale milinganiselo yerhafu yomdlalo, ukuba unikwe ibhaso le-100.000 euros, awuyi kufumana esi sixa, kodwa iya kuba ngama-80.000 euros, emva kokutsala irhafu ehambelana nemimiselo yangoku. Ngaphandle, ewe, ukusuka kwisixa osichazayo kwingxelo yakho elandelayo yengeniso.
Irhafu yokungcakaza, kwelinye icala, ayizukuhlawulwa ebhankini okanye kwabasemagunyeni lerhafu, kodwa sele ikhutshiwe mzuzu kanye oyiqokelelayo. Oku kuyakuthetha ukuba esi sipho singalindelwanga asikho mnandi njengoko ubufumanisile ukuba ubukhe wamkela eli bhaso. Kwaye njengokuba isixa-mali siphezulu, isaphulelo ngerhafu siza kuba siphezulu, nangona siphantsi kwipesenti enye.
Ungayityala njani i-jackpot?
Nangona kunjalo, yonke imali oyishiya noNondyebo inokufunyanwa, kwaye ingaphezulu. Ngokuqinisekileyo le ndlela iyakumangalisa kwaye uyazibuza ukuba uza kuthini. Ewe, kulula kakhulu, ukutyala lonke ibhaso kwimveliso yokonga okanye yotyalo-mali. Kwaye unako yenze inzuzo ukusuka kwi-5% ubuncinci, kwaye ukuya kuthi ga kwii-maxum eziphawula ukuvela kweemarike zezemali, okanye impumelelo yesigqibo sakho.
Kuba yimali obungakhange ubenayo, unako Olona khetho lulungileyo kukutyala imali ngokupheleleyo kwii-equities. Nangona ngeendlela ezahlukeneyo zotyalo-mali. Enye yazo, eyona inokhuseleko olukhulu kunye nokukhuselwa kokulingana okungalindelekanga, isekwe ekukhetheni ukhuseleko olunesivuno esikhulu. Malunga ne-6% inokuba yipesenti ehlangabezana nolindelo lwakho, kwaye iyakuba yile nto uzakuyibhatala le mali minyaka le, nokuba ikuphi kwindaleko enokuba nayo kwiimarike zesitokhwe. Unokonyuka okongeziweyo kwinzuzo yalo mbono.
Uthatha isikhundla kwimarike yemasheya
Imarike yemasheya yeyona ndlela ikhawulezayo yokwenza ukuba umsebenzi ube nenzuzo, kwaye unako yiya kwiimarike zamanye amazwe ngokusebenza kakuhle kulo nyaka. Nangona ziphantsi kwee-commissions eziphezulu. Ukusuka kule meko, kwaye ukuba utyalomali luhamba ngokwenyuka, luya kuba nakho ukufumana kufutshane ne-20%. Ngamanye amagama, ngewawuzichithile iziphumo zokuhlawula irhafu emva kokuba ibhaso elinencasa linikezelwe.
Enye into onokuyenza kukuqhubeka nokubeka umngcipheko. Kwaye yeyiphi indlela ebhetele kuneyona mveliso yezemali iphucukileyo kwintengiso. Iziqinisekiso, imali yokurhweba ngokuthengisa okanye ukuthengisa ngetyala kunokuba lolunye lwezona zikhetho ziphambili. Umngcipheko uya kuhlala uphakame kakhulu, kodwa ukubuyekeza umvuzo uya kuvuka.
Kwaye ngubani othi awungekhe uphinde uphinde utyhalele ithamsanqa lakho? Ubugubungele ubomi bakho, kwaye kufanelekile ukufumana, umzekelo, inzuzo esondele kuma-50%. Iphakame kakhulu, iyinyani, kodwa ngeemveliso eziguqulweyo ayizukubakho ingenzeki, nditsho neepesenti. Inqaku kukwenza ukhetho olufanelekileyo kwiimarike ze-equity.
Ukumodareyitha ngemali
Ukuba awufuni ukubeka emngciphekweni konke okuphumeleleyo okufunyenwe kumdlalo, unemali yotyalo-mali kwisibonelelo sakho ukuze wandise izibonelelo zebhaso. Ngokuqinisekileyo iinzuzo azizukuphakama njengakwifomathi yotyalo-mali lwangaphambili, kodwa ubuncinci uya kuyikhusela kwilahleko enokubakho kulingano olwenziweyo.
Ukuba ungumtyali mali onoburhalarhume, unokukhetha iimali ezisekwe kwii-equity, nokuba zezamazwe aphesheya okanye ezisahlumayo, onokuthi uzenzele ngokusesikweni ukwanda phakathi kwe-10% kunye ne-20% kwiimali ezinkulu ezityaliweyo. Ukuba ngaphandle kwayo yonke into, Awufuni ukuziveza ngokungaphezulu, uya kuhlala unesibonelelo sokuya kwingxowa mali exubeneyo, ezidityaniswe neeasethi eziyimali ezivela kwingeniso esisigxina. Nangona imivuzo yakho izokwehla kakhulu, ihlala ihamba kuluhlu olusuka kwi-5% ukuya kwi-10% njengembuyekezo yonyaka.
Kwaye uya kuhlala unazo njengemveliso yokugqibela enziwe ngeniso esisigxina, kwaye kunqabile ukuba ivelise ngaphezulu kwe-5%. Nangona, ngokuchaseneyo, imali yakho iya kuba inshorensi ngakumbi, kwaye uya kuthintela ukungazinzi kweemarike zezemali. Ngoncedo olubalulekileyo onokulukhetha kwiindidi ezahlukeneyo zeemali, kokubini kuzwelonke nangaphandle kwemida yethu.
Zigcine kwidiphozithi yekota
Ukuba awusafuni ukuqhubeka nethamsanqa elilingayo, kwaye eyona nto uyifunayo kukuba nemali ngembuyekezo encinci, uneemveliso zebhanki ezilungileyo kwiidipozithi zekota. Akunanto, awubeki emngciphekweni nantoni na kwilifa lakho, kwaye unokufumana umvuzo obalulekileyo njengesiphumo semirhumo ephezulu oza kuyinika idiphozithi yakho.
Kuya kufuneka ujonge ezona dipozithi zinengeniso ezinye izinto ebeziphuhlisa, zona nikela ukuya kuthi ga kwiipesenti ezimbini kwiimveliso zabathengi abatsha, okanye ubuncinci ukwenziwa ngokusemthethweni. Nangona kunjalo, baya kuba namaxesha amafutshane kakhulu kwaye kunqabile ukuba badlule kwiinyanga ezi-6. Unokwazi nokukhetha iidiphozithi ezinxulunyaniswe nee-equity njengefomula yokuphucula le micimbi, kwaye usondele kumqobo we-5%
Kwaye, ukuba ufuna ukukrwela kancinane kwizibonelelo, ukuqesha iakhawunti yemivuzo ephezulu kunokuba sisisombululo sokugqibela sokwandisa ubutyebi bakho ngokhuseleko olukhulu, kwaye oko kuya kukuzisela izibonelelo zonyaka ezijikeleze iipesenti ezi-2 kwiimodeli ezizezona zinikezelweyo ngamaziko emali. Kwaye konke oku kuyimveliso, engadingi meko ikhethekileyo, kwaye yeyiphi ibonelela ngetyala elikhawulezileyo kunye nelipheleleyo kwintsalela. Ngenxa yoko, uyakukwazi ukonwabela ibhaso nangaliphi na ixesha, kwaye ngaphandle kwemida.
Iingcebiso ezi-7 zokwenza ukuba ibhaso linenzuzo
Ngayiphi na imeko, ukwandisa ukuthanda okuveliswe ngebhaso elifunyenwe kumdlalo, akuyi kuba buhlungu ukongeza uthotho lweengcebiso ezinokuba luncedo kakhulu kwimidla yakho. Kwaye ngokuqinisekileyo oko kuya kukunceda wakhe elona lifa likhulu ngakumbi kunelo unalo ngoku. Kuya kufuneka wamkele naziphi na ezi zindululo zilandelayo.
- Uya kuba kwimeko engcono umngcipheko ngakumbi kutyalo-mali lwakho, kwaye njengesiphumo sabo, unokukhetha iimveliso ezinoburharha ezinokuthi zivelise ukusebenza okuphezulu kwezona meko zintle.
- Iya kuba lelona xesha lifanelekileyo ukulungelelanisa imisebenzi, kwaye wabele ixesha elifutshane, ukuze kancinci kancinci ibhalansi yeakhawunti yakho yokujonga inyuke. Kwimeko okuyo ngoku, ayenzi ngqondo ukongeza ukusebenza ngaphezulu kweenyanga ezili-12.
- Ngobuninzi njengoko unakho, kuhlala kunjalo ingeniso eguquguqukayo icetyiswa ngakumbi kunengeniso esisigxina, kuba uya kugubungela iinjongo zakho ngexesha elincinci, nokuba olunye lotyalo-mali olwenziwe lusenokungaphumeleli.
- Ukuba iinjongo zakho khusela inxenye yenkunziBanayo ngokulula kakhulu, kuba uya kutyala kuphela ama-50% exabiso, kwaye esinye isiqingatha ungasibeka ukonwabela iziyolo zobomi, ezininzi.
- Ukuba ungusozigidi oko akuthethi ukuba kufuneka ulahle amanyathelo okhuseleko kutyalo-mali lwakho. Ukuba akunjalo, kuya kufuneka ubaphindaphinde ukuze inxenye yenzuzo efunyenwe kumvuzo ofunyenweyo yehle ngendlela.
- Kuya kufuneka usete eyona njongo iphantsi ukuzama ukukufezekisa ngexesha elifanelekileyo, kwaye ngokusekwe koku, ubenemali engakumbi elinga ngakumbi. Kwaye kule meko, iya kukuvumela ukuba uphile ngengeniso ebomini bakho bonke.
- Ngamaqhinga ohlukeneyo otyalo-mali (inzala ngamaxesha athile, izabelo, njl. Uyakwazi ukwenza umthombo wolondolozo kunye nomvuzo oqinisekileyo kuyo yonke iminyaka. Ngesivuno esihlala sihamba phakathi kwe-2% kunye ne-6%. Ayiloqhinga elibi ukwenza inzuzo elungileyo ngeli bhaso uthe wawongwa.