Iitekhnoloji ezintsha zivule umnyango ukwandiswa kwezorhwebo, ukusukela namhlanje yonke into inokwenzeka ukusuka ekhaya, ukusuka ekusebenzeni ukuya ekuthengeni i-pantry. Ngaphambili, urhwebo lwalenzelwe iingcali zezemali kuphela kunye nabatyali mali abaphambili; kungoko, inqanaba eliphezulu lolwazi uninzi lwabantu olunalo malunga nehlabathi lemarike yemasheya.
Yintoni ukurhweba kwi-Intanethi?
Ukurhweba kwi-Intanethi Kwenzeka xa izixhobo zemali ezidwelisiweyo kwimarike yemasheya zithengwa okanye zithengiswa, ngeqonga lokuba umrhwebi oyingcali asinike lona. Ukuba kunjalo, asizukufuna ukuya iiofisi zeziko lezemali, ukucofa okumbalwa kuya kuba nakho ngokwaneleyo ukuqala ukwenza urhwebo online.
Idonga isitalato, ENew York Inayo yonke indawo yekhompyuter phantsi kwezakhiwo zayo. Imisebenzi eguqulelwe kwinkqubo yokubini idlula kunxibelelwano lwe-Intanethi kulwandlekazi lweAtlantic. Ezi ntambo zangaphantsi kolwandle ziindlela zolwazi. Xa umrhwebi esenza imisebenzi ekhayeni lakhe kwiimarike zesitokhwe zaseMelika, uyakufumana ulwazi ngexesha lokwenyani ngezi nkqubo zangaphakathi zeekhabhathi. Kwi Ukuthengisa kwi-Intanethi ukulibaziseka komqondiso ofunyenweyo akuvumelekanga. Kuba ngemizuzwana embalwa yokulibaziseka, zibalulekile xa ii-odolo ezininzi zibekwe kwintengiso ngaxeshanye.
Ingeniso yokusebenza iyalelwa ngexesha lokufika; ngesi sizathu izindlu ezininzi ze okanye abarhwebi Babeka iikhompyuter zabo kumhlaba ongaphantsi welona likomkhulu libalulekileyo lokutshintshiselana ngesitokhwe emhlabeni ukuze ungaphoswa ngumzuzwana ekufumaneni ulwazi oluhlaziyiweyo malunga nemisebenzi eyenziwayo. Umzekelo wendlela isantya semigangatho yesantya kukuba ukufumana ulwazi kwimillisecond kungakutshintsha ukungena kwezikhundla kwingxowa mali enkulu yotyalo mali.
Yintoni ekufuneka uyenzile urhwebo?
Ngaphambi kokuba iqhele athenge okanye athengise izabelo kwiiofisi zebhanki ngokobuqu, kubangela isiphithiphithi kwinginginya yabantu. Emva kwexesha, abatyali mali baqala ukuyenza ngomnxeba, de kwaba lishumi lokugqibela apho i-intanethi yaqala ukuthandwa kwaye ngoku uninzi lwemisebenzi lwenziwa ngale ndlela.
Yintoni efunekayo ukuze ube umrhwebi online zine iimfuno ezingundoqo:
- -Ikhompyuter okanye ilaptop
- -Ukuqesha iinkonzo ze umrhwebi ukuba ungene eqongeni urhwebo, kunye nokusebenza kwakho ngexesha lokwenyani
- Unenkunzi yasimahla emalunga ne-5.000 yeeros kwizabelo ze urhwebo
- -Ukuba nolwazi lokusebenzisa ngokuchanekileyo i urhwebo.
Ngelishwa, abatyali mali abaninzi abasakhasayo bakholelwa ukuba imisebenzi ye urhwebo zilula kwaye kukho ithuba elingama-50% lokuba ii-asethi ziya kunyuka kunye nama-50% ithuba lokuba ii-asethi zehle. Ngaphantsi kwe-5% yabatyali zimali abafumana rhoqo kwimarike yemasheya kwaye kuthatha ixesha elide ukuyenza kubathengisi abagqibeleleyo abagqibeleleyo abenza umsebenzi wobuchwephesha emsebenzini wabo, nangona umngcipheko uhlala ungacacanga nakwizona zilungileyo umrhwebi.
Umtyalomali kufuneka avule iakhawunti yesiboniso ukuba ufuna ukungxama kuyo ilizwe lokurhwebaLe yiakhawunti ebonakalayo kunye nemali yokudlala, esetyenziselwa ukufumana iindlela zotyalo-mali kunye nendlela yokuhamba kwintengiso. Esi sigaba sokulinga kufuneka senziwe iinyanga kwaye sizame ukutyala imali ngokungathi imali iyinyani yokujonga umngcipheko wokugqibela.
Kuya kufuneka uthathele ingqalelo i Into Eyona iphambili ebangela iipesenti ezingama-95 zabatyali zimali ukuba zisilele ekusebenzeni kwazo: imeko yengqondo.
Kulo imisebenzi ye urhwebo iimvakalelo ezinje: ukubawa, ukubawa, uloyiko, ukungaqiniseki, ulonwabo, okanye ithemba kufuneka uncitshiswe okanye ucinezelwe, awunakukhokelwa zezi zinto njengoko ziya kusibekela isigwebo sakho kwaye zikwenze ukuba uthathe izigqibo ngokungxama. Indlela yokubanciphisa ukuze baphile kwimarike yemasheya yile:
- -Ukuba unayo indlela yotyalo-mali: Kufuneka sisebenzise indlela yotyalo-mali enenjongo, esazi ngayo ukuba kufuneka sithenge nini, sithengise nini kwaye siyeke nini. Le ndlela ifuna ukuvavanywa kaninzi kwimowudi yedemo. Ukuba asinayo indlela ephuhliswe kakuhle, siya kuthi ekugqibeleni sithenge ngenxa yeemvakalelo zangoku kwaye hayi ngohlalutyo lweemeko. Indlela yayo kufuneka ihambe ngokwexesha elibonakalayo apho ibonwa khona: ngaphakathi, ixesha elifutshane, ixesha eliphakathi okanye elide. Ngalo lonke ixesha ihorizoni inezibonelelo zayo kunye nezinto ezingalunganga ekufuneka zivavanywe kwaye zivavanywe kwinqanaba yesiboniso qho xa kufuneka njalo.
- Njalo ujonga umngcipheko: Ukubeka umda wotyalo-mali, ukwahlula imali, njengoko besitsho phaya, hayi ukubeka zonke iiorenji kwibhasikidi enye. Qalisa ukutyala imali ngenxalenye encinci kuphela yenkunzi efumanekayo.
- -Ungasebenzisi amandlaImpumelelo yorhwebo ikhuthaze ukudalwa kwamaqonga aneemveliso ezivela kuwo, kunye nawo umtyali-mali angafumana imali eninzi ngokutyala imali encinci, esebenzisa into ebizwa ngokuba sisiphumo. Kwimeko apho utyalomali olusandul 'ukuqala kufuneka alusebenzise okanye ubuncinci angalusebenzisi kakubi. Utyalomali osakhasayo ongayazi indlela ye urhwebo, Soloko ucinga kuqala malunga nento ofuna ukuyiphumelela, xa into yokuqala ekufuneka uyiqwalasele yile nto ungaphulukana nayo. Akufanele ubeke umngcipheko ngaphezu kwe-2% yenkunzi epheleleyo yokutyala imali kuhambo olunye okanye ukusebenza
- Amava: Ukurhweba kufuna ukufunda rhoqo, ukunyamezela kunye nokuziqhelanisa nemarike yemasheya kuya kuphuhlisa impumlo yokuthenga kunye nokuthengisa ngexesha kwaye ufumane okuninzi kwimisebenzi yakho yezemali.
Ngaba kunenzuzo ukungena kurhwebo?
Kuyinzuzo ukuba siqokelela into efunekayo kwaye senze oko kufunekayo, into yokuqala ekufuneka siyenzile utyalo-mali kwisitokhwe Siyazi ukuba yimali. Ngaphandle kwemali esiyinikiweyo ngekhe sikwazi ukuqikelela kwaye intelekelelo sesona sixhobo somsebenzi silungileyo, ke into yokuqala ekufuneka siyenzile ukuyikhusela; kuba ngokungabikho kwemali asinakukwazi ukwenza imali ngakumbi.
Xa unemali eninzi kuyacaca ukuba kulula ukuphila ngayo iimarike, kuba kuya kufuneka kuphela ukufumana imbuyekezo encinci ukuze ufumane izixa zemali. Ngokucacileyo oku kuxhomekeke kwinkunzi esiyibona iyimfuneko ukuze siphile; Lo ngumbandela wobuqu, kodwa ngaphezulu kwayo yonke into kufuneka ubenenyani kwaye ube neenjongo ezizizo. Ukuba nemali encinci kuya kusikhawulela kulwahlulo olulungileyo lotyalo-mali.
Ingxaki kwakhona lixesha, njengoko sinemali encinci, kwaye sifuna ukuphumelela ngazo zonke iindleko, umtyali mali uhlala ethatha umngcipheko omkhulu wokuba ikomkhulu lakhe limvumele ukuba afune ukufumana imali ngokukhawuleza, iyakukhokelela ekonakaleni ngokukhawuleza. Inye kuphela indlela ethembekileyo yokuphumelela kunye phila kwiimarike zesitokhwe, Oku kukwenza imali kancinci kancinci, ngelixa uhlala uvavanya umngcipheko ofihlakeleyo. Umzekelo, ukuba ndineshumi lamawaka eeuros ezikhoyo ukutyala imali, kuyacetyiswa kwintsebenzo nganye eyenziweyo, sebenzisa iyema ukuba azisebenzi njengoko bekucwangcisiwe, ilahleko azidluli kwi-euro ezingama-200.
Akukho sizathu sokungxama ukuba ube kubathengisi, kuba abo bakhawulezayo bahlala kancinci kakhulu kwimarike yemasheya.
El kurhwebo kwi-intanethi, ayikho enye into engaphaya ukufunda rhoqo, uqeqesho olupheleleyo kunye nomzamo opheleleyo. I-95% yabatyali zimali nganye iyasilela kumzamo wabo wokuba ziingcali, ingxaki kukuba uninzi lwezi 95% khange lwenze nzame zokufunda ukuba iimarike zesitokhwe zisebenza njani kwihlabathi liphela, kwaye khange baphuhlise nayiphi na indlela yokurhweba, yokuthenga. ngengqondo okanye ngemvakalelo.
Into ekufuneka ithintelwe kuzo zonke iindleko kukutyala imali esiyisebenzisela ukuthenga izinto eziyimfuneko, kuba ukuba le mali ilahlekile, iyakuwela kwimeko iingxaki zemali Ewe, uyakube uyityeshele eyona nto ibaluleke kakhulu, ubomi bakho kunye nobosapho lwakho, ke ngoko kufuneka iiakhawunti eziyimfuneko zenziwe ngokufanelekileyo ukuze sahlule imali eza kunikezelwa ngeendleko zokuphila kunye nohlahlo-lwabiwo mali olukhululekileyo. koku, Utyala imali ngaphandle koloyiko lokuphulukana nayo yonke into kutyalo-mali olubi, isiphumo esenzeka rhoqo nabantu abangcakazayo, le ayisiyonto ingacwangciswanga, kukuziqhelanisa rhoqo kunye nolwazi lwentengiso.
Intsomi eyaziwayo kukucinga oko Eyona njongo iphambili ye urhwebo izama ukuthelekelela okuza kwenzeka kwimarike. Inkqubo ye- umrhwebi Kuya kufuneka uzame ukuthatha ithuba lokubonelelwa yimarike ngalo mzuzu, ungazami ukuyiqikelela. Imakethi iya kuhlala ilungile kwaye ukuzama ukuya ngokuchasene nayo kuya kuba yinto engekho ngqiqweni.
Kubalulekile ukuqaphela oko Los kubathengisi bahlala bahlala nelahleko. Ukuphulukana nemali yinxalenye yeli shishini, ukusukela xa uqala ukungena kulo, lide lifike kwinqanaba lobungcali. Kuya kufuneka uyazi ukuba ungazithatha njani ezi lahleko kwaye uqhubeke ngaphandle kwazo. Ukumisa sisindisa ubomi bethu ngamaxesha obunzima bemali. Akunakwenzeka ukuba uhlale uphumelela, kodwa oku kufuneka kube yinto yakho yokuzama ukwenza amanyathelo afanelekileyo kwaye alumkileyo ahlala eqiqa ngamanani ngaphandle kokwenza izigqibo ngokukhawuleza. Kukule ngqondo, xa amava ebaluleke kakhulu, kuba kwiminyaka yokuqala yokwenziwa kwentengiso kunye nokwenziwa kwentsebenzo, kunzima kakhulu ukubona ukuba ilahleko yokumisa iyatsiba kwaye emva kokuba i-asethi iqhubeka ngokuthe ngcembe njengoko ibisenza ekuqaleni Ucinga. Oko kukhokelela kuninzi kubathengisi, Uyeke ukusebenzisa iindawo zokumisa ezinamagama, inyathelo eliya kubakhokelela ekonakaleni kuba sisiqwengana sempumelelo kwintengiso.