I-Intanethi iye yasisixhobo esinamandla sokwenza utyalomali. Ukusebenza kwayo kuyakhawuleza kwaye nangaliphi na ixesha losuku, kwanasebusuku nangeempelaveki. Kodwa kukwa, kwiimeko ezininzi, kuthetha ukuba ibalulekile ukugcina imali ngeefizi zayo nakwiikhomishini. Ukuza kuthi ga kwinqanaba lokuba indawo ebaluleke ngakumbi yabatyali mali abancinci nabaphakathi baqhuba iintshukumo zabo kwiimarike zezabelo kwifomathi ekwi-intanethi. Ukusuka kwikhompyuter yakho, iselfowuni okanye ithebhulethi kwaye naphi na apho ukhoyo ngeli xesha lokonyusa utyalo-mali lwakho kwimarike yemasheya.
Ngayiphi na imeko, abasebenzisi beemarike zentengiso abayi kuba nanto banokuyenza ngaphandle kokuba bathathele ingqalelo uthotho lwezenzo ukuze imisebenzi yentengiso yesitokhwe yenziwe phantsi kwemida yokhuseleko. Ayothusi into yokuba banokuba ngamaxhoba baxhasi Oko kungonakalisa kakhulu umdla wabo wezoqoqosho. Ungasathethi ke ngobuqhophololo obunokuba ngumxholo weqonga lezemali okanye imivalo enokubakhohlisa nangaliphi na ixesha. Ngomnye wemingcipheko emikhulu eveliswa kukusetyenziswa kwe-Intanethi ukungena kuhlala kunzima icandelo ngaphandle kwengxowa.
Ukusuka kule meko ngokubanzi, iKhomishini kaZwelonke yoThengiso lwezoKhuseleko (i-CNMV) iqulunqe uthotho lweengcebiso ukuze ukusetyenziswa kwe-Intanethi kwanelise kubo bonke abasebenzisi. Inqaku lokuqala kukuba umtyali mali kufuneka aqinisekise ngaphezulu kwayo yonke into ukuba le nkonzo ibonelela ngenkonzo iyinyani Ibhaliswe kwi-CNMV. Kungenxa yokuba ngolu hlobo, kufuneka kukhunjulwe ukuba ukusebenza ngamashishini angabhaliswanga kushiya umtyali-mali kwimeko engakhuselekanga ngokupheleleyo. Zombini ukusuka kwindawo yokujonga kunye nokunxulumana nemali yakho ethile.
I-Intanethi: izilumkiso
Ukusebenza ngejelo lonxibelelwano, kubalulekile ukuthatha uthotho lwamanyathelo okhuseleko ukuze utyalo-mali luphuhliswe ngokuchanekileyo kwaye umsebenzisi angabinakho okunye okungalindelekanga okungalunganga. Ukuthintela le meko inqweneleka kakhulu kubatyali mali, akukho nto inokuba ngcono kunokufaka ezinye izihluzi eziza kuba luncedo kakhulu ukusukela ngoku.
Ngaba kuvavanye imveliso ekuza kungenwa kuyo ikhontrakthi, kwaye ukuba lukhuseleko ekuxoxiswene ngalo. Ukongeza, ukungafihlisi kwemveliso ebonelelweyo kuya kubaluleka, kunye namathuba okubeka esweni utyalo-mali ngokusebenzisa iqonga lezemali elikhethiweyo.
Ziphephe izinto ezisebenzisayo hyperlinks Oko kunokukhokelela kulwazi oluboniswe ngaphandle komxholo, ngaphandle kwezilumkiso eziyimfuneko okanye ingcaciso. Le nyaniso sele yenza ukuba abatyali mali ngokwabo bathandabuze malunga nesiza abaze kuso ukwenza utyalomali lwabo. Phakathi kwezinye izizathu kuba inokubasa kwezinye iidilesi ezikwiqela elifanayo lezemali
Kuphephe ukunika imikhondo malunga nokusebenza
Ayibalulekanga kangako into yokuba kufuneka ukhuthale kakhulu ukwazi ukuba yeyiphi indawo othengisa kuyo kwimarike yemasheya okanye ezinye iimveliso zezemali. Kuba, sebenzisa ikhompyutha yomntu wesithathu Ukujonga ibhalansi okanye ukwenza imisebenzi kwi-Intanethi, ungashiya umkhondo onokuthi unike olunye ulwazi kubantu besithathu. Ngale ndlela, elona qhinga lilungileyo kukususa kwimemori yesixhobo sobuchwephesha esisisebenzisa kuyo yonke idatha kwizinto ezihanjelweyo. Ukuya kwinqanaba lokuba banokuqokelela olu hlobo lolwazi ukuze luzuze kuwe kwaye ngaphandle kwethu sazi ngokwenene
Kwelinye icala, ukusebenza kwintengiso yesitokhwe esona sisombululo sisiso ikakhulu kukusetyenziswa kwezixhobo ezithembakeleyo. Ukuba akunjalo, kuya kuba ngcono ukulibazisa utyalo-mali de kufike ixesha elingcono lokuyenza ibe semthethweni ngokufanelekileyo. Le yinkcukacha encinci engafanele ihlale ifihlakele kwizenzo zethu sikhangela ukhuseleko olukhulu kuzo zonke iintlobo zokusebenza kwemali. Akunakulityalwa ukuba yimali yethu esingcakazayo kwaye ngale ndlela ayikufanelanga ukubekwa nakubani na.
Ubuqhetseba kwimarike yemasheya
Ngenxa yezona mpawu zotyalo-mali kwi-Intanethi, amanyathelo okhuseleko kufuneka abe namandla ngakumbi kunangoku. Enye yeengozi ezinkulu kubatyalomali ivela kwizibonelelo ezilahlekisayo ezijolise ekutsaleni abatyali mali ngokusebenzisa ii-imeyile okanye iiwebhu ephucukileyo kakhulu. Ngenjongo yokutsala umdla wakho kunye nokufaka iinkonzo ozibonisayo.
Nangona inokothusa ngaphezu komtyali mali omncinci nophakathi, amahemuhemu obuxoki asasazeka kwi-Intanethi okanye kunxibelelwano lwasentlalweni yenye yezona zinto zinkulu zobuqhetseba ezikhoyo ngoku. Sisicwangciso esigwenxa esisasazwayo kwiiforum zokutshintshiselana ngesitokhwe ukumisela isigqibo somsebenzisi kumaxabiso anqwenela ukuthatha isikhundla nangaliphi na ixesha. Awunyanzelekanga ukuba wenze amatyala, kuba yinkqubo endala yokuphambanisa amaxabiso ezabelo. Ngomngcipheko omkhulu kubantu abenza esi siganeko singathandekiyo ngokubhekisele kwiimarike zezabelo.
Enye ingozi: izithembiso ezilahlekisayo
Ngezixhobo zayo ezahlukeneyo, i-Intanethi inezicelo ezininzi kwicandelo leenkonzo zezezimali. Kwiimeko ezininzi, uzibeka emngciphekweni wokuwela kwiimeko ezihlazo kakhulu ezinokukubeka esichengeni. Njengomzekelo, ukuhanjiswa kweentlobo ezahlukeneyo zonikezelo ngu imivalo yolwandle ezezimali (amaziko angagunyaziswanga ukubonelela ngeenkonzo zotyalo-mali). Apho bacebisa ukuba ungakwazi tyala imali kwiimveliso ezithile zotyalo-mali phantsi kweemeko ezibonakalayo ngokuqinisekileyo. Apho eyona nto ibalaseleyo yinzuzo ephezulu abakunika yona kwasekuqaleni.
Kwelinye icala, ulwazi abakunika lona unokufumana isithembiso sobuqhetseba esidlulise isihluzo ngu imizimba yokongamela. Iziphumo zokugqibela ezingalindelekanga kwaye ezinokukhokelela ekuphulukaneni nakho konke okanye indawo elungileyo yenkunzi mali. Ngesi sizathu, kuyacetyiswa ukuba ngaphambi kokuba utyale imali uqokelele ulwazi malunga nemvelaphi yokwenyani yezi nkampani zomthetho ithandabuzekayo. Kuba iziphumo zinokuba nzima kakhulu kwimali yakho yobuqu, njengoko kuye kwenzeka kule minyaka idlulileyo ezinye zezi zinto zibizwa ngokuba ziinkampani zotyalo mali.
Iindlela zonxibelelwano nomthengi
Enye yezona zinto zibalulekileyo ekufuneka uzithathele ingqalelo ukusukela ngoku kulapho zivela khona ezi zibonelelo zotyalo-mali kwiimarike zezabelo. Ewe, i imeyile Yenye yeenkqubo ezikhethiweyo ukunxibelelana nabamkeli bomyalezo wentengiso. Ngokuthumela ngokungakhethiyo izithembiso kunye nokunyuselwa kwesitokhwe okungacelwanga ngabamkeli okanye okungekhoyo okanye akukho mthethweni kwaphela. Kuyacetyiswa kakhulu ukuba ungaziqwalaseli ezi ntlobo zemiyalezo ezinokudala ngaphezulu kwesinye ingxaki kubamkeli.
Kwelinye icala, akufuneki ilibale ukuba abasebenzisi, ngokomgaqo, kufuneka bangathembi nasiphi na isithembiso okanye ulwazi abangakhange balucele. Ngale ndlela, iKhomishini yoKhuseleko kuZwelonke icacisa ukuba akufuneki udideke kwezi zinto ngemiyalezo yentengiso efanelekileyo. Ayilolize, kwiminyaka yakutshanje amaqonga otyalo-mali aneenjongo ezithandabuzekayo ayanda kwaye oko kunokubangela ukuba ube lixhoba lazo naziphi na ezi zinto zobuqhetseba. Kwimeko yokuthandabuza, awuzukukhetha ngaphandle kokubonisana neKhomishini yeNtengiso yeLizwe kaZwelonke.
Ewe kunjalo, awunyanzelekanga ukuba wamkele ukwenza naluphi na uhlobo lomsebenzi kwiimarike zemali phantsi kwezi mpawu. Ukufaka isicelo kwi-axiom endala olo thintelo lungcono kunokunyanga. Kungenxa yokuba baninzi kakhulu abasebenzisi abathe kule minyaka idlulileyo badlula kwezinye zeemeko ezingathandekiyo. Kwezinye iimeko kukhokelela ekonakaleni ukuya kwinto enye okanye efanayo, balahlekelwe yinxalenye okanye lonke igalelo labo lemali. Ngaphandle kwabo banokwenza nantoni na ukubuyisa imali abayigcinileyo. Imeko ekufuneka uyiphephe kuzo zonke iindleko.
Lumkela izinto ezinje
Kananjalo, xa bekubonelela ngenzala ephezulu kakhulu, awuyi kukhetha ngaphandle kokuthandabuza eso sibonelelo. Awunamdla wokukhula kwaye ubuncinci onokuyenza kukuwubeka ezandleni zomzimba wolawulo. Akumangalisi ukuba, akukho mveliso yezemali iqinisekisa ngoku Iipesenti ezili-10 zenzala okanye ungaphaya kweli nqanaba lomvuzo. Iya kuba ngumqondiso wokuba kukho into engaqhelekanga kwisindululo abasicebisa kuwe kwaye ke ngenxa yoko akufuneki uyamkele. Ingakumbi kuba uthatha umngcipheko omkhulu ngokuqesha kwabo.
Kuzo zonke iimeko, kuya kufuneka ucinge ukuba ekupheleni kosuku ungcakaza imali yakho kwaye ngale ndlela zonke izilumkiso ozithathayo ziya kuba mbalwa. Kuya kufuneka uthandabuze amanye amaqonga angahlangabezani neemfuno ezisisiseko zokusebenza kwiimarike zezabelo. Ngomngcipheko wokugqibela wokushiyeka ungenanto emva kokuphuhlisa utyalomali. Ewe akuyi kuba nguwe wedwa ogqithe kule meko ingathandekiyo. Zama ukungaphindi ityala.