Imakethe yamasheya: ziyini izinsiza?

Ngaphansi kwegama lezinsiza, uchungechunge lwezinkampani ezisohlwini oluhlobene kakhulu lubizwa nge- imisebenzi kagesi namandla ngenjwayelo. Akhiwa njengomkhakha obalulekile futhi obekwe eqhulwini kuzo zonke izimakethe zokulingana. Kokubili kuzwe nangaphandle kwemingcele yethu. Futhi lokho ngandlela thile, kufanele ube namanani abo ukwenza noma iyiphi iphothifoliyo yokutshala imali. Noma yini i- iphrofayili ukuthi njengomtshalizimali omncane nophakathi owethulayo: olinganiselayo, onolaka noma ophakathi nendawo.

Izinsiza zigqama ngoba zingamanani ahlanganiswe ngokuqinile ezindaweni zazo zebhizinisi. Ngezinzuzo ezinkulu kuma-akhawunti wakho webhizinisi futhi ngezinhloso zokuguquguquka. Ukushintshashintsha okuqinile kwamanani abo akuyona enye yezimpawu zayo eziyinhloko. Ungazivula ngokuphelele izikhundla kumanani wazo ngoba ngeke ube nezimanga eziningi ezingezinhle phakathi nezinyanga zonyaka.

Ngaphezu kwalokho, baveza ezinye izici ozokwazi kancane kancane. Uma kwenzeka nganoma yisiphi isikhathi unquma ukufaka ezinye zezibambiso zakho kuphothifoliyo yakho yokutshala imali. Uzoba nemithombo eminingi yokuhlaziywa ngaso sonke isikhathi njengoba ikhona ku- ukumboza okwenziwe ngabathengisi nabanye abalamuli bezezimali. Vele, akufanele ulindele ukwazisa okukhulu okuvela kulezi zinkampani. Kepha okungenani uzothula ngenkathi unezikhundla ezivulekile kuzinsiza.

Izinsiza: ungaya kuphi?

Uma inhloso yakho ukuthenga amasheya alezi zici phakathi namasonto ambalwa alandelayo, kufanele ucacise kahle ukuthi udinga ukuya kuphi ukwenza ukuthengwa kube semthethweni. Zonke izinkampani zomkhakha kazwelonke kagesi zihlanganisiwe. Ukunikezwa kubanzi kakhulu futhi okuhlukahlukene ukuze kwaneliswe noma ikuphi ukufunwa kwakho. I-Endesa, Iberdrola, i-Enagás noma i-Red Eléctrica Española ngezinye zezinto ezibaluleke kakhulu emakethe yamasheya kazwelonke.

Ezinye izingxenye zalo msebenzi webhizinisi nazo zikhona. Isibonelo, abahlinzeki begesi. Ngesiphakamiso esinamandla njengeGesi Yemvelo. Ngisho izinkampani zamafutha, neRepsol eyayihamba phambili. Ziyizindinganiso ezaziwayo ngawo wonke amaphrofayili wabatshalizimali futhi kusukela kuleli phuzu bazokunikeza inani lokuphepha elengeziwe.

Okunye okunikelwe kakhulu ukuthi bakhiqiza imigqa yebhizinisi eletha inzuzo enkulu ezinkampanini zabo. Futhi ngenxa yabo, banomusa omkhulu uma kukhulunywa ngokwaba izinzuzo phakathi kwabaninimasheya. Akumangalisi ukuthi bagqame njengezinkampani ezinikeza ukusebenza okuphezulu kakhulu kwalo mqondo. Ngokubuyiselwa kokonga okuhluka kusuka ku-4% kuye ku-8%. Cishe njalo kusetshenziswa inkokhelo engaguquguquki yonyaka noma yonyaka. Ukuthonya inzuzo yakho ukuthi iphakame ngaleli su elivame kakhulu emhlabeni wezimali.

Lezi zinkampani zikunikeza ini?

Izinsiza zikunikeza uchungechunge lwezinzuzo ezingabaluleka kakhulu ekutshalweni kwakho okuvamile. Ekuqaleni, ukuzinza kuphothifoliyo yakho yokutshala imali. Ungalindeli izinto ezinkulu, kepha ungalindeli izinhlekelele ezinkulu kuzilinganiso zakho.

Ngandlela thile, kuyisu elithile kakhulu lokwenza ifayela le- isikhwama sokonga iminyaka embalwa elandelayo. Lawa amanani lapho izingozi zizolawulwa khona kakhulu. Ngaphezulu kweminye imikhakha yamasheya. Kule nkinga kufanele ube nokuzola okukhulu uma unquma ukuthatha lesi sinyathelo futhi uthenge ukuphepha kwenye yalezi zinkampani ezibhalwe emakethe yamasheya. Impela kulesi sici ngeke bakudumaze nakancane.

Kuzoba umphelelisi okungafanele ukuthi uphuthelwe kunoma yikuphi ukutshalwa kwezimali. Noma iyiphi iphrofayili oyivezayo njengomtshalizimali omncane ophakathi. Kunoma ikuphi, kuyizibambiso ezingeke zisetshenziswe nganoma iyiphi indlela ukwenza imisebenzi yokuqagela. Isizathu silula. Kungenxa yokuthi umehluko phakathi kwamanani abo aphezulu kakhulu futhi aphansi kakhulu kuseshini efanayo yokuhweba awubalulekile kakhulu. Nge Ukuphambuka akuvamile ukweqa u-2%Ngisho nokulungisa izintengo zakho zokuthenga nokuthengisa ngeke ukwazi ukufeza lezi zinhloso.

Yenzelwe isikhathi eside

Kufanele futhi ucabangele isikhathi sokuhlala unomphela kwalawa manani. Azijwayele kakhulu isikhathi esifushane. Kepha kuphakathi nesikhathi eside lapho bethola ukusebenza kwabo okukhulu ngokwenzuzo yezenzo zabo. Abambalwa abatshalizimali asebekhulile ababeke imali yabo yokuphila nezinsiza. Kwezinye izimo ngisho ngombono weminyaka yakho yokuthatha umhlalaphansi. Okuthile, ngakolunye uhlangothi, abakwazi ukukwenza ngokusebenzisa eminye imikhakha yezimali.

Unethuba elikhulu lokuthi uma ugcina lezi zimfihlo kuphothifoliyo yakho yokutshala imali ungathola imbuyiselo ezungeze u-10% ngemuva kweminyaka eminingana yokuhweba. Ngaphandle kwesidingo kufanele ube ngokuqhubekayo kusalindwe isilinganiso sakho. Ungalindela imiphumela yayo ngokuthula okukhulu kwengqondo kunezinye iziphakamiso ezimakethe zezezimali. Isu okumele ulisebenzise kusukela manje kuqhubeke lilula kanjalo. Yisixazululo esihle kunazo zonke onaso.

Okhiye bokusebenza ngezinsiza

Ukuhweba ngalolu hlobo lokuphepha ngeke kudinge umzamo owedlulele. Kepha yebo, ngaphandle kokuthi ungenise imihlahlandlela yokuziphatha ekutshalweni okusiza ukuhambisa kahle imisebenzi yakho kusukela manje kuqhubeke. Ungahle ubazi iningi labo, kepha kwezinye izimo zingaba wusizo olukhulu kuwe. Ngabe ufuna ukwazi ukuthi kufanele yini izenzo zakho zibe nalezi zimiso ezibalulekile emakethe yamasheya? Lalela lawa macebiso ngoba angaba nenzuzo enkulu kumasu akho ezimakethe zezimali.

• Yimisebenzi evumayo kakhulu ukuze ukwazi ukuthuthukisa utshalomali lwakho ekugcineni. Ukwenza isikhwama sokonga esizosiza ukukhulisa impilo yakho noma nje ukwanelisa isifiso sakho noma sabathandekayo bakho.
• Unethuba elihlukile lokuthola i- imithombo emibili engenayo. Kulokho osekuzuziwe ekuzuzeni kwamanani abo, kuyengezwa kulokhu ukuqoqwa kwezabelo. Ngoba empeleni, bakhiqiza enye yezinzuzo ezibaluleke kakhulu ongazithola njengamanje kumasheya.
• Ungakwazi ake izintengo zakho ziqhubeke Ngaphandle kokukhathazeka okuningi ngoba nakanjani ekugcineni kohambo uzoba nomvuzo wakho okufanelekile. Kuzofanele uchaze kuphela ukuthi izinhloso zakho zizoba yini maqondana nalezi zindlela zokutshala imali.
• Uma ungafuni ukugxila kunani elilodwa nje, ungakhathazeki kakhulu. Ungenza utshalomali lwakho lube semthethweni ngokusebenzisa isikhwama sokutshala imali esuselwe kuphela kuzinsiza. Ngale ndlela, uzothola hlukanisa imali oyongile ngendlela engcono kakhulu. Kusuka kumkhiqizo owodwa wezezimali futhi mhlawumbe nangamakhomishini abiza kakhulu kubhajethi yakho yomndeni.
• Uma okufunayo kufayela le- umkhakha obanzi impela futhi kubanzi maqondana nokunikezwa kwayo, siyakuhalalisela, ngoba awuzange udideke ekukhetheni. Uzoba nezinkampani ezahlukahlukene ezifakwe kuhlu ezihlangabezana nalezi zidingo. Ngisho nangeziphakamiso ezahlukahlukene, uma lokhu kuyisifiso sakho sokuqala.
• Lezi amamodeli we ibhizinisi elizinzile kakhulu ejwayele ukwenza inzuzo minyaka yonke. Kuzoba yisiqinisekiso esingeziwe lapho uvula izikhundla kwesinye sezitoko eziningi ezinalezi zimpawu ezichazwe kahle. Nganoma yisiphi isikhathi sonyaka ungaqala lokhu kuhamba ngoba akuwona amanani we-cyclical.
• Ingozi onayo yokuthi ezinye zalezi zinkampani zehluleka cishe ayikho. Esikhundleni salokho, ngokuphambene nalokho, bavame ukukhonjelwa ukunyakaza kwezinkampani lokho kuvame ukuthakazelisa kakhulu ngezintshisekelo zakho. Kwanele ukukhumbula okwenzeka nge-Endesa eminyakeni embalwa edlule. Lapho abatshalizimali bayo baphindaphinde inzuzo yabo ezinyangeni ezimbalwa zokuhweba.
• ISpain inenye yeminikelo ephelele kakhulu yezokuphepha kuzo zonke izimakethe zezezimali. Ukumboza zonke izingxenye zebhizinisi nezimakethe zemakethe. Ngeke kudingeke ukuthi udlulisele imali oyongele kwezinye izimakethe zezimali zomhlaba wonke. Ungafinyelela okufunwayo lapha, ngaphandle kwenkinga.

Buhle kulokhu kutshalwa kwezimali

Ukufuna izinsiza kumasheya kungakulethela izinzuzo eziningi. Kepha udinga ukubazi. Ngaphandle kwenye inhloso ngaphandle kokwenza imisebenzi oyithuthukisayo kusukela manje kuqhubeke. Ngokuyisisekelo bazoba abalandelayo esikudalula kuwe ngezansi.

1. Unokuningi ngaphezulu ukuzuza kunokulahlekelwa, ngoba izingozi zayo ngokusobala zikhawulelwe cishe kuwo wonke amanani ayo.
2. Yize kukuncane, ekugcineni ukubuyela kulondolozo lwakho kuzoba kakhulu okuqinisekisiwe. Lapho ungangeza khona izabelo ezinikezwa wena minyaka yonke.
3. Ukuziphatha kwakhe ezikhathini ezimbi kakhulu emakethe yamasheya kuhlale kunjalo kangcono kuneminye imikhakha. Noma ngomehluko owazisa kakhulu kumaphesenti abo.
4. Kwezinye izimo zingaba amanani wokuphephela. Lapho izinkulungwane nezinkulungwane zabatshali zimali beyofuna ukuvikeleka okukhulu kwezimpahla zabo.
5. I-Los umholo ngesabelo ngasinye ezikhiqiza amanani ezinsiza enza kube enye yokuncintisana kakhulu kwezimakethe zezimali. Izonikeza ukuzethemba okukhulu kwiminikelo yakho yemali kusukela ekuqaleni.
6. Ngandlela thile, banokuningi okuphathelene nomqondo we ukulondoloza ukwedlula utshalomali. Uma unephrofayili yabatshalizimali abalinganiselayo, kuzoba enye into ukukunika ithemba kuzikhundla ozivulayo.
7. Futhi ekugcineni, awukwazi ukukhohlwa ukuthi iningi le- abaphathi Basebenzisa lawa magugu ukwakha izikhundla zabo zokutshala imali eziyimodeli. Zinikezwa kumakhasimende ayo aphambili.