Xa utyala imali kwimarike yemasheya, kukho amaxabiso asemgangathweni ahlukeneyo, amanye esiba nzima kubatyali mali. ILos Chicharros zezo zikwinqanaba eliphantsi lokwenza imali, ukuhlawula amatyala aphantsi kunye nokuthelekelela okungacacanga.
Banokuqwalaselwa njengecandelwana ngaphakathi kwintengiso yemasheya, kunye nezinto ezichazwe kakuhle ezenza ukuba kungabonakali ngabasindisi.
Kwabanye ithuba, nangona umngcipheko ogqithisileyo kunye nokungabikho kwengqondo kwabanye.
Umtsalane wabalindeli kwaye ngokubanzi into enokwenzeka ngengxoxo-mpikiswano kwiimeko ezithile, nangona uninzi lweengcali zineembono ezifanayo.
Kunganzima ukwenza imisebenzi kunye nee-ertyisi, kuba umngcipheko opheleleyo uphezulu. Nangona kunjalo, kukho abatyali mali abathanda ukuhamba kweli nqanaba, benomtsalane kubo.
Ukubanakho ukunyuka okuqengqelekileyo kwaye kudlule ukusuka kwisandla ukuya kwisandla ngenxa yokungazinzi kwexabiso abanokukufumana ngexesha elifutshane; Ukuba ziphela zikwizinto zethu kwaye azithengiswa ngexesha elifanelekileyo, okanye ukuba ixabiso lazo lihla kakhulu, umonakalo unokubonakala.
Kukho izimvo kunye neempikiswano ezichaseneyo, kodwa ngokulinganayo kuyathandeka kwicala labagxeki ngokubhekisele kula maxabiso, kuvusa ingxoxo.
Siza kujonga kwakhona kweli nqaku iimpawu kunye nezinye izinto ezinomdla zalo msitho kwimarike yemasheya.
Chicharros kwiNtengiso yeSitokhwe-Inkcazo
Ixabiso lixabiso elinokuthi lichongwe ngokulula. Iinkampani ezincinci ezidweliswe kwiimarike zesitokhwe, ezinemali ephantsi kangangokuba zijolise kubo kubalamli bezemali nakwabaqikeleli abaya kuba nefuthe elibalulekileyo kwikowuteshini yamaxabiso abo.
Yiyo kanye le nto indaleko inogonyamelo kwezi marike. Ixabiso layo lokungazinzi liphawulwe ngaphezulu kwesiqhelo, ukubanakho ukuphinda uvuselele i-15%, kodwa uqhubeke ngokuwa kakhulu nangaphezulu kunepesenti.
Kukhuseleko inqanaba lolawulo lwayo olubonakaliswe luphantsi kwaye lubandakanya umngcipheko ogqithileyo. Banengxaki yokuhla kakhulu kwexabiso labo kwaye ke ngoko iya kuba yinto yokuqikelela, kulula ukuyenza.
Ziinkampani ezincinci okanye eziphakathi ezithi, ngenxa yothethathethwano oluncinci, zithande ukubanengxaki yokutshintsha kwemarike yemasheya, ezinye zinohambo olunzulu kwimarike yemasheya ngenxa yokuba incinci kwaye inxulumene namacandelo amatsha anokukhula okunokubakho. Kwakhona ukutsiba iimeko zokumiswa kwentlawulo okanye ukuphucula ingxelo yakho yengeniso. Ukonyuka okuhle kulindelo lwabahlalutyi nako kunefuthe kule nyaniso.
Luhlobo lomsebenzi esinokuluchaza njengolungacetyiswanga kubatyali zimali abalondolozayo, kodwa kwabo baneeprofayili ezinobundlongondlongo.
Ithunyelwa ngokudelela njenge-chicharros, ngokuthelekisa iintlanzi ezincinci, ezikumgangatho ophantsi ezibizwa ngeli gama. Iinkampani ezihlala zilifanele eli gama, zibandakanyeka kwiingxaki zoqoqosho eziqhubekayo ezenza iiakhawunti zazo zingazinzanga, zibonakale kumaxabiso esitokhwe.
Inkampani enkulu eneshishini elikumgangatho ophantsi ayizukuqwalaselwa njengepea, kwaye inkampani encinci eneshishini elinenzuzo ayizukuba njalo.
Ezi ntlobo zokhuselo zinokuphakama ngokubalaseleyo kwaye ziphindaphinde amaxabiso kakhulu ngexesha elifutshane. Banokuwa ixesha elide njengamashumi eminyaka.
Kuyenzeka ukuba ubese-pea iinyanga ezimbalwa kwaye uyiphindaphinde imali ama-10 amaxesha, kodwa unokuhlala kuyo kangangeminyaka engama-30 kwaye ulahlekelwe yimali kakhulu.
Kukuba kungenzeka okanye lithuba lokuphumelela ekufumaneni imbuyekezo engaqhelekanga ngexesha elifutshane, nelitsala abaninzi.
Elona nyathelo lisengqiqweni kukuphepha ukulingwa. Unokubetha unyuso, amabango amaninzi, kodwa kunokwenzeka ukuba imali ethe kratya iya kulahleka kwimizamo elandelayo yokusilela.
Kucetyiswa ukuba nakwiimeko apho amaxabiso anokunyuka kakhulu, kunzima ukuphumelela, kuba bangawa ngokukhawuleza okanye ngaphezulu kunokuba bekhwele; kubangela ukuba abatyali mali abathenga ngezantsi bababone bephuma bengathengisanga, ngethemba lokuba baya kuqhubeka nokwenza njalo, ngesiquphe babahlasele ukuba baphinde bakwixabiso abalithengileyo, kwaye hayi rhoqo ngaphantsi.
Uninzi luthatha ukuba eyona nto ilumkileyo ukuyenza kukuhlala kude nee-ertyisi kwaye uziphephe.
intlanzi encinci
Ukuthathelwa ingqalelo isahluko se-ertyisi, banomngcipheko ocacileyo ngakumbi. Banokuthathwa njengabancinci "abangamanzi", bade bayeke ukudweliswa, kuyingozi kakhulu kubatyali mali.
Ziyathamba ngakumbi kunee-ertyisi ngokwazo. Kwiinyanga ezimbalwa bayakwazi ukuphindaphinda imali yabo yentengiso nge-10 okanye kwi-15. Kuyo yonke le nto, zihlala zilawulwa ngabatyali mali abanengcwangu okanye abasoloko belinde ukukhula kweemarike.
Inkampani engalawulwa kakuhle ayisoloko iyiChicharro
Kukho iinkampani ezincinci ezenza imali kwaye aziqwalaselwa ngokuchanekileyo njenge-ertyisi. Banokufumaneka njengeshishini elinenzuzo ukuya kuthi ga kwinqanaba lokuba abo batyale imali kuzo banokwenza utyalomali olufanelekileyo, ngakumbi ukuba bebeza kukhula okanye bagutyungelwe yinkampani ephezulu kwixa elizayo.
Nangona ii-chicharros ziinkampani ezincinci zokwenza imali, zisenkampani ezingalawulwa kakuhle ezineengxaki ezibonakalayo zoqoqosho.
Ngenxa yokuba inkampani ilawulwa kakubi, oku akuyi kuyiguqula ibe yipeya. Ukuba ineemali ezinkulu zentengiso ezifanelekileyo, ayizukuqwalaselwa njengokhuseleko.
Kuyimfuneko ukuba zombini iimpawu okanye iimeko zihambelane. Oko kukuthi, ubekhona oonobumba abakhulu kwaye ube iingxaki ezinkulu zoqoqosho.
Ukuchonga iimpawu
Ngendlela eshwankathelweyo kunye nokudityaniswa, sinika iinkcukacha ezithile zeempawu eziza kunceda ekuchongeni olu hlobo lwexabiso.
- Ziya kuba ziinkampani ezincinci, zihlala zinohambo oluncinci.
- Umahluko kumaxabiso abo uyamangalisa.
- Banemali eyinkunzi ephantsi, kwaye ukuhlawulwa kwabo kungaphantsi kolunye ukhuseleko oludweliswe kwiNtengiso eQhubeka.
- Iinkampani kuqoqosho zinokuthi ziqwalaselwe kolu luhlu.
- Ukuguquguquka kwayo kuyabaxwa, ngamaxabiso aphezulu ngenxa yevolumu yokuthengisa ephantsi.
- Ixabiso layo linokuhamba nge-oscillations ukusuka kwi-10 ukuya kwi-15%.
- Ixabiso elinokujikeleza okuncinci kwaye limxinwa.
- Abakwiinkampani ezineemeko ezibuthathaka zemali.
Ngaba kulungile ukutyala imali okanye ukuthelekelela?
Kungaba luncedo ukuqikelela ngee-ertyisi, nangona kungacetyiswanga. Kwimeko yezo zindlu zotyalo-mali ezinokuhambisa la maxabiso ngexabiso elincinci lemali, kungacetyiswa nokuba kungaphantsi.
La maxabiso anokusetyenziswa ngokulula. Kwaye lo mbuzo unokuqatshelwa njengenye yeempawu zabo zokuchonga. Ngeeodolo ezimbalwa kunye nemali, kunokwenzeka ukuba uhambise ikhowuti.
Kuyacetyiswa ukuba la maxabiso akakulungelanga ukutyala imali, kunokuba alungele ukuqikelela kwaye oku ukuba umtyali-mali unamava aneleyo okunakana inzuzo kunye nelahleko.
Abatyalomali abangenamava babanjiwe
Umtyalomali onamava ozinikele ekuqikeleleni ii-ertyisi uyakuhlala ekhumbula ukuba "namhlanje" umsebenzi othile unokuba yinzuzo enkulu; kodwa ukuba "ngomso" yonke into inokulahleka.
Abatyalomali abaninzi abanamava alinganiselweyo baya kuzifumana belaleleke kwilahleko njengoko behendwa zizithembiso zenzuzo ekhawulezayo.. Ngokubanzi bagxila kwizibonelelo ezinokubakho kwaye abonakalisi ngokwaneleyo kwiilahleko abanokuthi bazenze.
Makhe sicinge inkampani ethi ngexa elithile ithengise nge-0.04 euros. Ukuba ixabiso libuyela kwi-0.08 euros, siyakukuphinda ukubheja, sikwazi ukucinga ukuba ziisenti ezi-4 ngaphandle kokuhambelana kakhulu. Njengoko kunzima ukubeka ilahleko yokuma ngamaxabiso asezantsi kangako, abatyali mali ngaphandle kwamava okanye ulwazi olwaneleyo bayeke ukubeka olu hlobo.
Ngokubanjwa kwilahleko, ayisayi kuba yinto yokuqikelela ngokwayo kwaye iya kuba lutyalo-mali lwexesha elide.
Impazamo iqala ukuphindaphindeka ngokucacileyo, kuba la maxabiso anokuwa iminyaka xa engena kwilahleko enamandla ngolu hlobo, abanakuze baphinde babuyise amaxabiso abo oqobo.
Kwabaninzi, ukuthelekelela ngee-ertyisi kufana nokudlala ilotto, nangaphezulu kwesenzo sokuqikelela.
I-chicharros ngamaxabiso apho abatyali mali abakhohlakeleyo bevuya, hayi ke abo bazigcinayo abangafane bathembele kolu hlobo lotyalo-mali ngenxa yokungaqiniseki okukhoyo, besazi ukuba banokuba nelahleko ebonakalayo kwiiseshoni ezimbalwa zorhwebo.
Abatyali mali abanamava kakhulu ngabo banakho ukuthatha ithuba lolu hlobo lokhuseleko, nangona kubalulekile ukuyenza icace into yokuba yinto enobungozi.
Kuyimfuneko ukuba uthenge kwaye uthengise ngokungxama ngexesha apho imeko inyukayo, kungenjalo kuya kufuneka ugcine ixabiso elingayi kulungela oko ukuhlawuleleyo.
Ukuba ii-ertyisi zilawulwa ngokuchanekileyo, zinokuba ngumonakalo wokwenene, nangona kunjalo kuyo yonke imingcipheko, amathuba okuphumelela aya kuhlala ekhona.
Ukuba inkampani inyuka ngokuthe nkqo ize iye ezantsi ngomgangatho ofanayo, nokuba iyekile ukudweliswa, inokwenzeka njani loo nto; Kwimeko apho, kunokwenzeka ukuba uhlale ubanjiwe kwixabiso kude kube lelo xesha inkampani iqhubeka ngamanyathelo afanelekileyo kunye nezigqibo zokuphinda ziphinde zibenakho okanye zithengise kwiqela lesithathu.
Nangona ii-ertyisi zingaphinda zihlaziye ixabiso, nokuba kukho amathuba okufumana izibonelelo ezinkulu kune "Blue Chips", ngaphandle kwamathandabuzo iyakuba ngumdlalo oyingozi.