Hlanganisa izikweletu

Ungakwenza kanjani kube lula ukukhokhwa kwezitolimende ezihlanganisa kabusha izikweletu

Siyaphila ejwayele indlela yokuphila esiphoqa ukuthi sidle njalo. Akukhathalekile ukuthi yimikhiqizo, izinsizakalo, noma amarisidi ezindlu alula, izindleko zihlala zikhona. Ekugcineni, ngokungeziwe, le ndleko ingenziwa ngamakhredithi, ngokuthola okuthile namuhla, nangokuyikhokha ngezitolimende isikhashana. Lesi sikweletu esitholakalayo, singaphuma ekulawuleni kancane kancane kuze kube nezinkokhelo eziningi zenyanga. Ngesikhathi kunezinkokhelo eziningi futhi okweletayo engakwazi ukubhekana nakho, kungahle kube nezindlela zokunciphisa imiphumela. Esinye sazo ukuhlanganisa kabusha izikweletu, okungukuthi, ngenkokhelo eyodwa yanyanga zonke, ngezitolimende ezikhululeke kakhudlwana.

Lo mbhalo wenzelwe ukuthi uchaze ifayili le- izinzuzo nezinkinga zokuhlanganisa kabusha izikweletu. Futhi ukuthi ungafunda kanjani ukubala ukuthi lesi sinqumo sisizuzisa nini futhi singasinika ikhefu emnothweni wethu. Ngendlela efanayo, funda lapho lesi sixazululo singafaneleki, futhi ngaphezu kwakho konke ukusivimba ukuze singaphinde senzeke. Sithemba ukuthi iyakusiza.

Kusho ukuthini ukuhlanganisa kabusha izikweletu?

Ukuhlanganisa kabusha izikweletu kuyisixazululo esihle sokuphuma ezinkingeni zezezimali

Ukuhlanganisa kabusha izikweletu kusho ukutholwa kwemali mboleko yemali inhloso yayo ukukhokha zonke izikweletu ezisele, kusale imalimboleko entsha etholwe njengokukhokha kuphela. Kuyindlela esebenza kubo bobabili yenza kube lula ukukhokha, ngokuqondene ukunciphisa umthwalo wezezimali. Lapho ubangeza bonke, inhloso ukunciphisa incwadi ephuma njalo ngenyanga, ukulandela inzalo ephansi kakhulu kule mboleko entsha, kanye neminyaka eminingi ukuyikhokha.

Kungani uhlanganisa kabusha izikweletu?

Njengoba sishilo ekuqaleni kwendatshana, ukuhlanganiswa kabusha kwezikweletu kuyindlela engcono kakhulu yokuhlanganisa enkokhelweni eyodwa yenyanga zonke lezo zincwadi eza ngendlela ehlakazekile. Kodwa-ke, inhloso yalokhu kuhlanganiswa akuyona kangako ukunciphisa inani lezikweletu, kepha ukunciphisa imali ephelele.

I-athikili ehlobene:
Imalimboleko yomuntu siqu

Ukuhlanganisa kabusha izikweletu kungasisiza sobabili sinciphise isamba semali esiyikhokhayo ekupheleni kwenyanga sinciphisa kanjani inzalo esiyikhokhayo. Ngakolunye uhlangothi, umkhuba ojwayelekile ukunweba isikhathi sokukhokha leso sikweletu, okusho ukuthi uma sikhuphula lezi zinkokhelo iminyaka eminingi, inzalo ekhokhwe ekugcineni nayo izokwenyuka. Ngakho-ke, kulezi zimo, umuntu kufanele enze kanjani? Ake siye kwezinye izibonelo ukuze kuqondakale kangcono.

Ukwehlisa inzalo yalezo zikweletu ngenzalo ephezulu

Umkhuba omuhle ekusingatheni lokhu kuhlanganiswa kungaba ukuthi ngemuva kokuhlanganisa kabusha izikweletu inzalo iphansi ngangokunokwenzeka. Kodwa-ke, kungenzeka ukuthi inzalo yalesi "sikweletu esisha" ingaba ngaphezulu kunenzalo ekhokhwa kunoma yisiphi isikweletu / izikweletu okungokwakho. Kulokhu, kungaba ubuwula impela ukukhetha le nketho inqobo nje uma kunokuxazululwa kwemali okufanele kukhokhwe. Kungavunyelwa kuphela ukukhokha inzalo ephezulu esikwelini esisha uma inkokhelo yanyanga zonke ingaphansi kakhulu. Ake sikubone ngezibonelo ezithile:

Ukuhlanganisa kabusha izikweletu kuyathakazelisa ikakhulukazi uma sikhokha inzalo ephezulu kulawo esivele sinawo

 

Sinamacala amathathu, u-A, B no-C. Ake sithi kukhona abantu aba-3 abehlukene, nokuthi bonke bafuna ukuhlanganisa izikweletu zabo. Ezimweni ezi-3, bathola nemalimboleko abangafinyelela kuyo futhi ukukhokhelwa kwayo kuzoba inzalo ye-7% minyaka yonke. Iphinde iguquguquke ngesikhathi, ingahlala iminyaka engu-2, 5 noma ngaphezulu. Leyo mboleko ingahle yenele ukukhokha izincwadi eziningi njengoba zifuna, ngakho-ke abantu aba-3 bathola ukuthi bahlola ukuthi zibafanele kangakanani.

  • Icala A: Uma kwenzeka u-A, uyazi ukuthi ukukhokha inzalo engu-7% kungcono kunokukhokha u-18 no-12%. Noma kunjalo, inezinhlamvu ku-5 naku-7%. Uma uhlose ukwehlisa isitolimende sakho, futhi ukuvuthwa kwalezi zitolimende kungaphansi kokuvuthwa kwemali mboleko entsha, unganciphisa lezo zinkokhelo ngemali mboleko entsha ngokuba neminyaka eminingi ukuyikhokha. Endabeni ka-5%, kufanele ukhokhe inhlawulo engu-2% ngaphezulu ngenzalo, into okufanele uyicabangele uma ikuvuna. Esinye isikweletu sika-2% besingeke sibe nomqondo omkhulu ukusihlanganisa, ngoba inzalo iphansi, ngaphandle uma ingqikithi yakho "ikuphoqa" ukuthi wenze njalo.
  • Icala B: Isikweletu esisodwa ku-8% nesibili ku-13%, womabili angahlanganiswa nemalimboleko entsha engu-7% ngaphandle kwezinkinga, sizohlomula. Endabeni yezinye izikweletu ezimbili, bekungeke kube nengqondo ukukhokha inzalo ethe xaxa.
  • Icala C: Ngokufana necala A. Uma imali mboleko entsha ingu-7%, unezikweletu ezimbili ku-8% no-10% okungaba mnandi ukuhlanganisa. Ezinye izikweletu ezimbili eziku-5% no-6%, kungaba nengqondo uma izinkokhelo zakho ziminyanisa izimali zakho siqu futhi ungakwazi ukunweba izinkokhelo ngemali mboleko entsha. Vele, ukukhokha inzalo ephezulu. Isikweletu esingu-0% besingeke sibe nengqondo enkulu.

Okubi kokuhlanganisa izikweletu

Ukuba sezingeni eliphakeme lesikweletu kungacindezela umnotho womndeni

Sizibonile izinzuzo zokuhlanganisa izikweletu, ukukhokha nyangazonke kuyehla. Kodwa-ke, zikhona noma kungaba nezinkinga ezithile ezingaphansi. Sizobanikeza imininingwane ngezansi.

  1. Imali ekhokhwayo ephelele yenzalo. Lapho ukukhula kwemali mboleko kunwetshwa, inani eliphelele elikhokhelwe inzalo liyakhuphuka. Ngaphezu kwalokho, yini eyenza lokho kuvunguza ukuphuma esikweletini kuyandiswa ngesikhathi.
  2. Amakhomishini. Izikhathi eziningi, ukukhansela imali mboleko kuvame ukuphatha izindleko ezithile (uma kuyizindleko eziphansi ze-1%, ababonwa kakhulu). Amakhomishini abalulekile ngokuvamile afika ekuvulweni kwemali mboleko entsha. Baqaphele.
  3. Iziqinisekiso. Imali mboleko yangaphambilini kungenzeka ukuthi ibingadingi iziqinisekiso eziningi, yingakho amanani aphezulu wenzalo. Kepha lapho imalimboleko eyicelayo inkulu, iziqinisekiso ezinkulu abazocela zona. Bangakwazi nokuvela ekhaya lethu).
  4. Phinda ufake isicelo samakhredithi. Imvamisa lapho imali yokukhokha incipha, siyabona ukuthi sinendawo yokuvumela lolu hambo (ngokwesibonelo) ebesifuna ukukwenza, nokuthi singakhokha kancane kancane. Iphutha! Ungangeni kuleso silingo, noma kungenjalo, ngeke sibuyele esimweni esedlule kuphela, kepha kulokhu isikweletu esiphelele sizoba sikhulu futhi kube nzima ukusisingatha.

Okubalulekile. Ukuhlanganisa kabusha izikweletu kuyinkemba esika nhlangothi zombili. Kungasinika ithuba lesibili lokuzama ukuphuma esimeni esinzima somnotho esizithola sikuso. Uma singakhuzwa, futhi siqhubeka nokuthola isikweletu, kungaholela esimweni esibi kakhulu. Isimo lapho singasenayo indawo yokuhamba futhi sibhajwe iminyaka eminingi esikweletini esingenakubalekela kuso.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.