Ungayigcina njani imali kwiikhomishini kwintengiso yemasheya?

iikhomishini kwimarike yemasheya Nawuphi na umsebenzi we kuthengwa kunye nokuthengiswa kwezabelo kwiimarike zezabelo kufuna ukuhlawulwa kweeKhomishini iya kulungiswa kuzo zonke iimeko. Kuya kuxhomekeka kulwakhiwo lwayo lokuba imisebenzi eyenziweyo ayinangeniso kangako. Ukuya kwinqanaba lokuba inokuthatha intsebenzo kwimicimbi yokulingana. Zombini xa zivulwa izikhundla kwaye zivalwa, ngokungacacanga.

Iikomishini zisetyenzisiwe, kokubini kwimisebenzi eqhutywa kwiimarike zezabelo zamazwe, kunye nakwezinye iimarike zamanye amazwe. Nangeyiphi ndlela, eyokugqibela iya kuhlala iyanda kwiirhafu okanye kwiipesenti zabo. Ke, banokuchaphazela intshukumo yokupheliswa kwezabelo. Awunakukhetha ngaphandle kokuzibandakanya kunye nokujongana nezi ndleko njengenxalenye yomsebenzi. Ukuyibonakalisa kwi-accounting oyenzayo ukubala inzuzo okanye ilahleko eya kuthetha ukuba utyala imali oyigcinileyo kwiimarike zezemali.

Inani lezi khomishini liyahluka ngokuxhomekeka kwisicwangciso esisetyenziswa ngabalamli bezezimali. Akumangalisi ukuba ibe sisixa esiqingqiweyo Amanqanaba aphakathi kwe-8 nama-40 ee-euro malunga, ngokuxhomekeke kwisixa-mali osityalileyo. Okanye kwipesenti esetyenzisiweyo kwinani lentengiselwano kwimarike yemasheya, engadluliyo kwi-0,45. Ngayiphi na imeko, eyona nto icetyiswayo kukuba wazise ngokwamaxabiso amaziko ezemali anakho kwiikhomishini kwingeniso eyahlukileyo.

Isizwe sibhetele kunamazwe aphesheya

Ngayiphi na imeko, uneendlela ezininzi kunye neendlela ezahlukeneyo zokunciphisa ubunzima beekhomishini kuyo yonke imisebenzi oyenzayo ukusukela ngoku. Kwaye onako ngayo ukunciphisa iindleko, kodwa ngokubonakalayo, ewe, ubuncinci yokwandisa yonke iodolo oyinika kwiimarike zezemali. Ngamanye amaxesha ngokusebenzisa izicwangciso zakho, kwaye kwezinye iimeko ngokukhangela iikhomishini ezikhuphisanayo kwiimarike. Ungazihlalutya kwisibonelelo esibanzi esiza kubonelelwa ziibhanki okanye abalamli bezemali.

Elona nyathelo lilungileyo onokuthi ufake isicelo lokwenza imisebenzi yakho ibe yexabiso eliphantsi livela kutyekelo lwakho lweemarike zesizwe, ngaphezulu kwezinye iimarike zesitokhwe kwihlabathi liphela. Ayizukufuna umzamo omkhulu kuba ilizwe lilizwe lemarike yokulingana oyazi ngcono, ngaphezulu kwabanye kude kude nokusingqongileyo. Kwaye apho uqhele ukurhweba rhoqo.

IiKhomishini: ukubonelela ngebhanki

Esinye sezicwangciso ezinokusetyenziselwa ukunciphisa iindleko zeekhomishini kukuya kwizibonelelo kunye nokunyuselwa okwenziwa ziibhanki ukutsala inani elikhulu labathengi. Ngale ndlela, imbuyekezo evela kwii-equity services iya kuba nkulu ngakumbi. Ngale ndlela, kunikwe amandla uthotho lwezindululo ezithi nikezela ngezaphulelo ukuya kuthi ga kwiipesenti ezingama-30 kwiindleko zokuthenga nokuthengisa izabelo.

Kukwakhuthazwe ukuba abathengi banokuya kwimisebenzi ye-Intanethi ukuze batyale imali yabo kwimarike yemasheya kwaye baqulathe iindleko zabo zekhomishini. Akumangalisi ukuba olu hlobo lomsebenzi lwenziwe kwi-intanethi kuthwala amaxabiso okhuphiswano ngakumbis. Apho awona matyala mahle anokwenza iibhonasi ezifikelela kwisiqingatha ngokubhekisele kumaxabiso abo oqobo. Kwaye ngoncedo olongezelelekileyo ekuvumela ukuba usebenze kwiimarike zezemali ngendlela ebhetyebhetye nangexesha lokwenyani.

Ngokwesiseko somtyali mali omncinci, njengoko kunokuba njalo kwimeko yakho, owenza umndilili weshumi okanye ishumi elinambini lomsebenzi ngonyaka, ukonga kunokuba ngaphezulu kokuqwalaselwayo. Esi sisicwangciso esinokusetyenziswa ngabatyali mali abasebenzayo. Oko ikakhulu ukuhambisa iintshukumo zabo kwixesha elifutshane, Kwaye bajonge ukubuyela ngokukhawuleza. Nangona unedosi ephezulu yomngcipheko kuyo nayiphi na imeko.

Ixabiso eliphantsi kwiindleko eziphantsi

ixabiso elimthebelele Kule ndlela yokusebenza akukho nto inokukhetha ngaphandle kokujonga amaxabiso asezantsi kwimarike yemasheya njengenye yezona ndlela zisebenzayo zokugcina iindleko ezivela kwiikhomishini. Oomatshini bayo basekwe ngokusisiseko kwinto yokuba uhlala uhlawula ngokufanayo, ngaphandle kwenani lomsebenzi owenziweyo. Yimodeli eluncedo kakhulu yesivumelwano kubatyali mali abenza imisebenzi emininzi ngonyaka kwiimarike zezabelo. Kuba ukonga abaya kuba nakho ngalo mbono kungaphezulu kokuqwalaselweyo.

Ngokubuyisela, kuya kufuneka uhlawule umrhumo osisigxina nyanga zonke kwesi sibonelelo sebhanki. Ixabiso layo lihluka phakathi kwama-euro angama-20 ukuya kuma-40 ngenyanga. Kwelinye icala, ukuba wenza imisebenzi embalwa kuphela ngonyaka, ayizukuba yinkqubo enenzuzo kuba uya kube uhlawula ngaphezulu kunesiqhelo. Isenokuba ngaphandle kokwenza ngokusemthethweni nakuphi na ukuthengwa okanye ukuthengiswa kwiimarike zemali. Ayothusi into yokuba ngabatyali mali abanamava abathathe eli nyathelo lisungulwe ngamaziko emali.

Kuya kufuneka uhlalutye kuphela zonke izinyuselo ezenziwa kwicandelo lokugcina imali ukuze ubone ukuba yeyiphi eyona iluncedo kakhulu kwimidla yakho. Kuxhomekeke kwiprofayili oyivezayo njengomtyali mali wevenkile, kunye nobudlelwane bakho neemarike zezabelo. Unokufumana amaxabiso asemthethweni asicaba kuphela kwiimarike zesizwe ezingabizi kakhulu. Ngayiphi na imeko, baya kukuvumela ukuba usebenze ngaphandle komda kwaye awuzukuhlawula ngaphezulu iikhomishini. Sele zibandakanyiwe kwinqanaba leplati yengxowa.

Ukuhlela inani lomsebenzi

imisebenzi yeqela Ukwanaso nesixhobo esiluncedo kakhulu kwezi zihlandlo kwaye sisebenza ngokudibanisa kangangoko kunokwenzeka inani lezabelo zokuthenga kunye nemisebenzi yokuthengisa. Ineziphumo ezibi kakhulu kwimeko yeakhawunti yakho yokujonga, njengoko ubona kweli nqaku.

Imisebenzi emincinci, Oko kukuthi, ezo zenziwa ngokusesikweni ngexabiso eliphantsi, zohlwaywa ngakumbi ziikhomishini. Kule meko, esona sicwangciso silungileyo sokugcina i-euro ezimbalwa ekusebenzeni kukuphuhlisa iqela labo. Ukudibanisa zonke iintshukumo kwii-equities ngentengiselwano enye yokutshintshiselana ngesitokhwe. Ngale ndlela uya kuba nakho ukugcina iindleko ezivela kwiikhomishini. Kwaye kubaluleke kakhulu, ukuba ukubanakho ukufumana inzuzo enkulu xa uvula izikhundla kwimarike yemasheya.

Kuyinyani ukuba ivelisa uthotho lweziphazamiso ekufuneka uzikhumbule. Kwaye phakathi kwayo kubonakala kungenakwenzeka yahlula iphothifoliyo yakho yotyalo-mali. Ngelize, awunakukhetha ngaphandle kokugxila kuzo zonke ukubheja kwakho kwimarike yemasheya ngexabiso elinye, okanye ubuncinci bambalwa. Ukongeza, uya kuba semngciphekweni omkhulu ukuba ukuvela kwamaxabiso kungaphuhlisi njengoko bekulindelekile ekuqaleni. Iya kuba lixabiso ekufuneka ulithathile ngokusebenzisa lo mgca womsebenzi ovelisa ukonga okukhulu kwiimarike zemali.

Izaphulelo kubo ngembuyekezo engaphezulu

Njengecebo lokugqibela, kuyakufuneka uzame iingeniso ezinkulu ukuzama ukunciphisa amandla ekhomishini eya kuhlawulwa kumaziko emali. Awunakho ukukhetha ngaphandle kokubeka emngciphekweni iintshukumo zakho kwiimarike zemali. Ingakumbi xa isiza imisebenzi emincinci enezixa ezingafuneki kakhulu. Kule meko, uya kunyanzeleka ukuba uphakamise iinjongo zakho, kwaye ungazicutha iikhomishini. Zombini kwimisebenzi yokuthenga neyokuthengisa. Awusenaso esinye isisombululo.

Kwelinye icala, kwimisebenzi emikhulu le ntshukumo ayizukufuna ngenkani kangako. Kuba iikhomishini azizukuchaphazela ngokugqithileyo intsalela yokusebenza. Ukwazi ukugxila ngakumbi ekwenzeni ulondolozo lube yinzuzo kunakwindlela yokulondolozwa kwayo nayiphi na imeko. Ukuya kwinqanaba lokuba inani lezi khomishini kunye nezinye inkcitho kulawulo lwazo okanye kulondolozo ziyafana ngokupheleleyo.

Omnye umthombo wokonga unokuvela Ukutshintshela ipotifoliyo yakho yezokhuseleko kwamanye amaziko emali ukuba bavuze ngale ntsebenzo. Phakathi kwamanyathelo asetyenzisiweyo ukwenza esi sicwangciso sodwa, izaphulelo kwiirhafu zekhomishini ebezisetyenzisiwe ngaphambili ziyabonakala. Yindlela entsha yokunciphisa iindleko kancinci kancinci, kwaye ngaphandle kokukwenzakalisa kwiintshukumo zakho eziphambili.

Ezinye iingcebiso zokugcina

Ugcino lwekhomishini Ukuba uyakwazi ukucwangcisa isenzo sakho kwiimarike ze-equity, uya kuba nakho ukufumana isixa semali esilungileyo ngokugcina iikhomishini. Kodwa ukuthatha ithuba unikezela ukuba iibhanki zikhula rhoqo. Kusenokwenzeka ukuba ukusukela ngoku lixesha elifanelekileyo lokusebenzisa la manyathelo, ngaphandle kokuphazamisa intsebenzo onokuyenza kwimisebenzi yakho kwimarike yemasheya.

Isitshixo esiyimpumelelo kakhulu kwezi meko kukuba awufanelanga ukhathazeke ngokugqithileyo malunga nokwenza izicwangciso zokonga. Akumangalisi ukuba injongo yotyalo-mali lwakho iya kuba yenye ngaphandle kokuqokelela iiasethi ezininzi minyaka le. Kwaye eyona ndlela yokuhlangabezana nolindelo iya kuba ukuyila isicwangciso esinyanzelayo utyalo-mali. Ingathatha ixesha elide kunokuba bekulindelwe.

Kwaye akufuneki ulibale ukuba imida yolondolozo ayinamandla kangako. Kwaye abanakho nokukubuyekeza ngokusebenza kwayo. Ekugqibeleni, iya kuba yiprofayile oyivezayo njengomtyali mali-mali omncinci oya kuthi abonise ukusetyenziswa kwezi ndlela zokonga. Ungalibali nangayiphi na indlela ukuba imarike yemasheya, kunye nokulingana ngokubanzi, ayisiyomveliso yokonga. Kukutyala imali nje. Kuya kufuneka uvavanye le ndlela ukusukela ngoku.

Awungekhe wenze iqhinga elifanayo notyalo-mali ngokungathi uqesha irhafu yekota. Bafuna unyango olwahlukileyo, kwaye kwiimeko ezininzi zichasene ngokupheleleyo. Ungazami ukubandakanya zombini iimveliso kwisikali esinye, njengoko unokwenza impazamo enkulu.


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

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