Ukubheja kwezemidlalo njengotyalo-mali

ukubheja Imeko yangoku yeemarike zezemali, zombini ezisisigxina kunye nengeniso eyahlukileyo, ikhokelela kubatyali mali abancinci nabaphakathi ukuba bajonge ezinye iindlela zokwenza imali yabo efumanekayo ibe yinzuzo. Kwaye enye yazo isekwe ekubhejeni kwezemidlalo njengendlela enomdla yokuba ne imali eyongezelelweyo qho ngonyaka. Nangona kunjalo, le yimpazamo enkulu eyenziwe ngaba basebenzisi kuba lo msebenzi awunakuqondwa njengotyalo-mali kwimeko yeklasi yekota. Ukuba akunjalo, ngokuchaseneyo, ngumdlalo kwaye akukho nto iyenye.

Kwelinye icala, awungekhe ulibale kwaye ukuba ujongene nengxaki yokukhetha indawo yokubheja yemidlalo yedijithali yokutyala imali yakho ukuba le ndlela inokuvelisa ukungcakaza okanye ukuxhomekeka kakhulu ekungcakazeni. Ngale ndlela, idatha yaseburhulumenteni yoLuntu lwaseMadrid icikoza kakhulu ekuboniseni ukuba izindlu zokubheja ziyaqengqeleka. Kwaye kunye nabo ukuba likhoboka lolu hlobo lomdlalo olukhokelela kwiingxaki zokungcakaza kwabanye babasebenzisi.

Ngokwedatha, olu hlobo lwesakhiwo lunalo Ikhulile i-320% kule minyaka mihlanu idlulileyo eMadrid, isuka kwi-4.227 ngo-2013 yaya kwi-17.735 ekupheleni kuka-2017. Lo ngumkhwa ongathunyelwa kwamanye amazwe kwimimandla yelizwe. Ngenxa yale meko, oyena mngcipheko mkhulu wale misebenzi kukuthatha le misebenzi yolonwabo njengenxalenye yotyalo-mali. Kungenxa yokuba ngokungafaniyo nezinye iimodeli zotyalo-mali zakudala, kule unokulahla i-euro yokugqibela. Oko kukuthi, yonke into oyidlalayo okanye utyalomali kuqikelelo kukhuphiswano lwezemidlalo ezahlukeneyo.

Ukubheja kwezemidlalo: iiyantlukwano zabo

ezemidlalo Kukho umahluko omkhulu phakathi kokubheja kwezemidlalo kunye notyalo mali ngokwenyani yegama. Umzekelo, ukuba olu hlobo lokubheja okhethekileyo lusekwe ikakhulu kumngcipheko kwaye hayi kuhlalutyo lwemveliso okanye iimodeli zokonga. Ke ngoko, kufuneka yenze ngaphezulu kwezinye iintlobo zemidlalo eziyinxalenye yolonwabo, ulonwabo okanye nokuzonwabisa. Ayothusi into yokuba kweli candelo akukho qingqo okanye uqeqesho lwamaxabiso. Vele ukwahluka kweefizi ukubheja kwezemidlalo leyo yinto apho inzuzo yomdlali ihlala kubhejethi.

Kwelinye icala, izikhombisi ezahlukeneyo zityhila ukuba ishishini lokungcakaza lisasaza amaphiko alo kwi ingxaki yezoqoqosho. Oko kukuthi, ngeprofayile yomsebenzisi echazwe kakuhle njengokuba ingumntu oneengxaki zemali kwaye uzama ukusombulula iingxaki zabo ngoqikelelo lwabo kwicandelo lezemidlalo okanye nakweminye imisebenzi yolonwabo. Lo ngumahluko omncinci okanye omkhulu omele ukuwuthathela ingqalelo ukusukela ngalo mzuzu ukuya phambili. Kungenxa yokuba ubeka emngciphekweni kakhulu ukuba uthatha ukubheja kwezemidlalo njengotyalo mali. Yiza, phantse ulinganise umzekelo, kunye nokuthengwa kunye nokuthengiswa kwezabelo kwiimarike ze-equity.

Iprofayile yeBetor

Ngale ndlela, iCandelo eliPhezulu loMmiselo woNgcakazo, phantsi koMphathiswa Wezemali, lilungiselela iingxelo zonyaka kwicandelo nakubadlali. Iprofayili ichazwe kakuhle: umdlali ophakathi yindoda ephakathi kwe-18 kunye ne-43 yeminyaka ubudala, ohlala neqabane kwaye une inqanaba lomvuzo ophantsi kunye nezifundo. Ngamanye amaxesha bayayikhetha njengenye yeemveliso ezenzelwe ukutyala imali okanye ukuxhasa ukonga. Umzekelo, imali yotyalo mali, ukuthengwa kwezabelo, iidipozithi zebhanki zexesha elide okanye iiakhawunti ezinengeniso ephezulu, phakathi kwezinye zezona zibalulekileyo.

Akunakulityalwa ukuba ekubhejeni kwezemidlalo akukho mbuyekezo imiselweyo okanye eqinisekisiweyo. Akukho xesha, ukuba akunjalo, ngokuchaseneyo, yonke into ixhomekeke kwi ithamsanqa. Ngaphandle kwemeko ezithile zangaphandle okanye zangaphandle. Ngesi sizathu umngcipheko uphezulu kwaye unokukhokelela ekubeni ushiye inxalenye elungileyo yolondolozo lwakho kule klasi yeemveliso ezizodwa kwaye ziyingozi ngaxeshanye. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.

Unikezelo oluphezulu kunye nokwandiswa

nikelaKuya kufuneka ukuba ithathelwe ingqalelo ukusukela ngoku ukuba iimarike ezikhoyo ngoku ziphantse zagqitywa. Ayisiyiyo kuphela kuzo zonke iintlobo zemidlalo, kodwa nakweminye imisebenzi kude kube kutshanje engaxilwanga ngamaqonga edijithali ezi mpawu. Umzekelo, i-chess, i-surfing, i-snooker, i-paddle, phakathi kwezinye ezibaluleke kakhulu. Njengoko uza kubona, amathuba amakhulu kwaye ngenxa yoko umngcipheko ukhula ngokucacileyo kwinqanaba sele linokukhathaza kakhulu icandelo elikhulu labasebenzisi.

Kwelinye icala, ayiboneleli kuphela kubasebenzisi ukubheja kwezemidlalo, kodwa ikwavuleleke nakwezinye iimarike kunye neendlela zomdlalo. Umzekelo, umdlalo izilumkiso, Iinjongo zomdlali othile, inani leekona, indebe okanye intshatsheli yeligi, iqela eliya kukhutshwa okanye nasiphi na isiganeko esenzeka kwezinye zezehlo ezicwangciswe kwikhalenda yamanye amazwe. Yonke into inokubheja kubathengi beebhukumeyikha.

Umngcipheko kwizenzo

Nangona kunjalo, kufanele kuqatshelwe ukuba olu hlobo lomsebenzi akufuneki luthathwe njengenxalenye yecandelo lotyalo-mali. Hayi kangako kuba ingakhokelela kwiingxaki ezinkulu ukusukela ngoku ukuya phambili. Kuyinxalenye yemisebenzi yolonwabo kwaye ixhomekeke kwithamsanqa okanye ngamanye amaxesha kwithuba. Kuyinyani ukuba unokufumana imali eninzi kwimisebenzi eyenziweyo, ngaphandle kwemida, kwaye kuxhomekeke kwisabelo sokuba ukubheja inayo kwaye kunjalo nemali edlalwayo. Kodwa ukulahlekelwa yimali, hayi inxenye yayo kuphela, kodwa kule meko inokuba sisixa esipheleleyo esifumaneka kwiakhawunti.

Esinye isiphumo esibi solu hlobo lomsebenzi kukuba ukhuthaza ukungcakaza. Ayothusi into yokuba iprofayile yabasebenzisi abakhetha le midlalo yeyabantu abaneengxaki zemali ezinkulu kwaye banethemba lokusombulula iingxaki zabo ngethamsanqa elincinci ngokubheja kwabo kwimidlalo eyahlukeneyo. Ukufikelela kwinqanaba elithandabuzekayo kunokutsala ngaphezulu komsebenzisi omnye njengoko isilumkiso ngabasemagunyeni abaphetheyo siqinisekisa umdla wabemi. Le yinto ekufuneka uyiqwalasele ngaphambi kokubeka ukubheja kwakho kokuqala.

Ingeniso evela kushishino longcakazo

Nokuba yeyiphi indlela, eli licandelo elithwala izigidi zeerandi ekusebenzeni kwayo yonke imihla. Ngale ndlela, kufanele ukuba kuqatshelwe ukuba ishishini lokudlala ngokubanzi ukhule unyaka wesithathu ngokulandelelana, kuba kunyaka ophelileyo i-9.408 yezigidi zeerandi zangcakaza. Ukuziqhelanisa, eli nani limela ukonyuka okuthembekileyo malunga ne-6% xa kuthelekiswa nonyaka ophelileyo.

Kwelinye icala, i-94% iyahambelana necandelo lobuso ngobuso kunye ne-6% kwimisebenzi ye-Intanethi, okt ngamaqonga okubheja edijithali. Nangona kunjalo, okona kukhula bekukho kwisiteshi se-Intanethi, sonyuka ngokumangalisayo nge-30%, kwaye ukonyuka kuyafana kuyo yonke imidlalo, ngaphandle kokhuphiswano kunye ne-poker. Njengoko kunokubonwa, licandelo elandayo ngokucacileyo elingaqondiyo ubunzima bezoqoqosho. Ukuba akunjalo, ngokuchaseneyo, ikwaxhamla kwezi iimeko ezixineneyo.

Ubuso ngobuso kunye neefomathi ezikwi-Intanethi

juego Ubuso ngobuso kunye nokubheja kwezemidlalo kwi-Intanethi Olu luhlobo lokungcakaza olukhule kakhulu eSpain kunyaka ophelileyo, kunye nelotto NGAMANYE. Ngelixa kwelinye icala, amagumbi emidlalo Zikwindawo yesithathu, ngelixa iikhasino kunye neeholo zebingo zihlala zizinzile ngokukhula okuncinci kufutshane ne-4%. Nangona enye yezona datha zichaphazelekayo kule ndlela intsha yokusetyenziswa ilele kwinyani yokuba kukho abantu abangaphezu kwama-800.000 ababheja imali kwi-intanethi rhoqo okanye rhoqo. Njengenye yezona zinto zintsha zivelweyo leli candelo ngamandla acacileyo kule minyaka idlulileyo.

Ngelixa kwelinye icala, kufanele kuqatshelwe ukuba ukubheja kwezemidlalo ubuso ngobuso kukhule nge-10%, kodwa oku kunyuka kugqithisiwe kakhulu kuba uluntu oluninzi luvule imakethi yabo kwi-2017, ngakumbi e-Asturias. Ngayiphi na imeko, ezi ziidatha ezizinzileyo kuyo yonke imimandla yoluntu ezimeleyo, umahluko omncinci ukusuka komnye ukuya komnye. Apho, ekugqibeleni, enye yedatha efanelekileyo kwicandelo laseIndiya kunyaka ophelileyo bekukho abantu abangaphezu kwezigidi ezithathu abaye batyelela enye yeeholo zokungcakaza ezingama-3.150.

Kwezinye iimeko ukonwaba nje, kodwa kwezinye iimeko ujonge enye indlela yotyalo-mali kunye nomnqweno wokwenza ukonga kwakho kube nenzuzo ngokukhawuleza nangokukhawulezayo.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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