Uma uzinikezela njalo emakethe yamasheya, kufanele wazi esinye sezifinyezo ezikusiza kakhulu ekutshalweni kwemali, njengeBPA. Yebo, zihambelana nenkomba ebala ingxenye ye- inzuzo ephelele yenkampani kwasatshalaliswa phakathi kwamasheya ngamunye akha inhlokodolobha. Kubaluleke kakhulu ekukhetheni izibambiso ocabanga ukuthi zingenza kahle kakhulu eminyakeni ezayo. Akumangalisi ukuthi iyi- ipharamitha Imakethe yamasheya esebenza kahle impela futhi noma kunjalo kuyimitha esetshenzisiwe ekuhlaziyweni kwamashidi ebhalansi ukukala inani amanani entengo esitoko angafinyelela kulo. Ngakolunye uhlangothi, yipharamitha elandelwa kabanzi ngabatshalizimali abafuna ukwenza imisebenzi yabo emakethe yamasheya ngeziqinisekiso ezinkulu zempumelelo.
Kungakhathaliseki ukuthi isu lakho lokutshala imali, akungabazeki ukuthi ukuzuza kwesabelo ngasinye akufanele kuswele ekuhlaziyweni kwakho kobuchwepheshe. Ukuthi kunganquma ukuthi ukhetha isitoko esithile ukuze kulimaze abanye. Ngoba, njengoba ubona, i-EPS yehlukile kwesinye sezokuphepha esisohlwini lwezimakethe zezimali. Noma kunjalo umthombo wakho wokuhlaziya uhlala ufana kwabo bonke. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi le pharamitha yemakethe yamasheya ingenye yezilinganiso ezaziwa kakhulu nokuthi ungakuthola kunoma yikuphi ukushicilelwa kwezezimali. Kungakunikeza ngisho nendawo yokungena yokwenza imali ngengcebo yakho.
Futhi okwaziwa ngesiNgisi njenge-EPS (amaholo ngeSabelo ngasinye) kunjalo, ukuze wazi kangcono, ingxenye yenzuzo isiyonke yenkampani efakwe kuhlu ezimakethe zezezimali. Abahlaziyi abaningi bezezimali babheka iBPA njengomunye wabo imithombo yenkomba ukuncoma ukuphepha okuzokwakha iphothifoliyo yokutshala imali yamakhasimende. Ngisho nangaphambi kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi ngokubuka okuyisisekelo. Akumangalisi ukuthi bangakunika inkomba engaphezu kweyodwa mayelana nokuthi siyini isimo sangempela sezenzo. Okuthile akulula ngaso sonke isikhathi futhi kulula, njengoba kwaziwa kubatshali bezimali abanolwazi oluningi ezimakethe zezezimali.
I-BPA: ingabe le pharamitha inokwethenjelwa?
Isici sokuqala okuzofanele usazi kusuka manje kuqhubeke ukuthi ingabe inzuzo ngayinye yamasheya kufanele icatshangelwe yini ukwenza utshalomali lwakho. Yebo, ngalo mqondo akukho okungcono kune- idatha ebaluleke kakhulu ukwenza lo msebenzi ezimakethe zamasheya. Okokuqala, ngoba akukho ukuphambuka kwedatha, uma kungenjalo, kunalokho, kuyisiginali enenhloso mayelana namanani wemakethe yamasheya. Ngaphezu kwalokho, akuwona umphumela wokuqagelwa kwemininingwane, noma ukuhlaziywa okunezintshisekelo kwengxenye enkulu yabalamuli bezezimali. Kususelwa kudatha yokubalwa kwezimali yezinkampani uqobo ezibalulwe ezimakethe zezimali.
Vele, esinye sezici ezizocatshangelwa kumholo ngamunye isabelo leso esibhekisa eqinisweni lokuthi linganikeza a ukuthambekela kwenani embuzweni. Uma kungenjalo esikhathini eside, khona-ke impela abaseduze, okungukuthi, isikhathi esifushane nesiphakathi. Lapho kungulwazi lokubaluleka okukhethekile ukuze abatshalizimali abancane nabaphakathi bakwazi ukwenza isinqumo maqondana namanani esitoko okufanele babe nawo kuphothifoliyo yabo emasontweni azayo.
Ibalwa kanjani i-BPA?
Isikhathi sokunquma omakhenikha ukuthi bazi ngokuqiniseka okuzuzwayo kwesabelo ngasinye senkampani esohlwini lwezimakethe zezimali. Yebo, futhi ukugwema ukungaqondi kahle, ukubalwa kwayo akubonakali ngokweqile. Kungumphumela wokusebenza kwe- hlukanisa inzuzo ephelele yenkampani phakathi kwenani lamasheya aphelele phakathi nonyaka. Ngale ndlela umphumela uzotholakala ngaphandle kwezinkinga ezeqile. Kodwa-ke, kuyinto efiselekayo ukuthi lesi silinganiso esibalulekile semakethe yamasheya sihambisane ngokufanele nabanye. Isizathu kungenxa yokuthi kunethuba lokuthi inkampani ehlaziyiwe izokwakha ukubalwa kwayo kwemali. Yize lokhu kusebenza kuhambelana kuphela namasheya amancane ama-cap. Vele hhayi ama-chips amakhulu aluhlaza emakethe yamasheya kazwelonke.
Ngakolunye uhlangothi, kukhona ne-BPA eyinkimbinkimbi ngokwengeziwe leyo ehlanjululwe. Kulokhu, kubhekiswa ezinkampanini ezinezimpahla ezihlanza inzuzo yesenzo. Lesi simo singalimaza isu abatshalizimali abazolithatha ezinsukwini ezizayo. Ngoba ama-ratios angadideka ezinkathini ezingaphansi noma eziyinkimbinkimbi zezinkampani uqobo. Ukufika ezingeni lokuthi kunzima kakhulu ukwenza isinqumo mayelana nezokuphepha okufanele zenze iphothifoliyo yethu yezokuphepha. Lapho kunzima kakhulu ukubona inani langempela lemali engenayo ngesabelo ngasinye. Ngokuphazamiseka okulandelayo kwalokhu kusebenza.
Ngabe kuthinta kanjani amanani?
Vele, umholo ngesabelo ngasinye noma, ngamanye amazwi, i-EPS ingathinta ukusebenza kwezinkampani ezibalulwe ezimakethe zezimali. Imiphumela yayo miningi futhi ngenxa yalesi sizathu esiqondile kufanele ucabangele le parameter yemakethe yamasheya lapho wenza imisebenzi. Ngoba akulingani ukuthi le datha izokunikeza isignali engaphezu kweyodwa mayelana nokuthi izimali zakho zizohamba ziphi ukusuka manje. Kulesi simo esivamile, lezi ngezinye zezimo ezingase zivele ezimakethe zezimali zamasheya.
Uma uthola ukuthi inkampani inenzuzo ephansi ngesabelo ngasinye kungasho ukuthi isitoko asibalulekile. Kepha ngethemba lokuthi esikhathini esizayo esingekude kakhulu isilinganiso sakho singathuthuka kakhulu, okungenani esikhathini esimaphakathi nesikhathi eside. Yize kungenjalo kuzo zonke izikhathi lo mphumela ofiseleka kakhulu wenziwa kubatshali zimali abancane nabaphakathi.
Inzuzo eyingxenye ye- isilinganiso inzuzo ephelele ngakho-ke kuyithuba elihle lokuthola ukuthi siyini isimo sangempela sezokuphepha lapho ufuna ukutshala khona imali oyongile. Ngoba ekugcineni kosuku bazokunikeza ukuthi iziphi iziphakamiso zemakethe yamasheya ezizophendula kahle ezimakethe zezimali ezinyangeni ezizayo noma ngisho naseminyakeni ezayo. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo.
Esinye isici okufanele usicabangele ukuthi ngezikhathi ezithile izinkampani ezibalwe zinayo amasheya akhethwayo. Njengomphumela walokhu kuphazamiseka kokubalwa kwezimali okubalulekile, ungakhohlwa ukuthi ukubalwa kwe-EPS kuyehluka kancane. Kuzoba kubaluleke kakhulu ekunqumeni isimo sangempela samasheya athengiswa ngamasheya.
Ngokombono, khumbula ukuthi izinzuzo ngesabelo ngasinye nazo zibonisa ukuthi yimaphi amanani ukuziphatha okungcono bangaba nesikhathi esizayo esingeqile ngokweqile. Futhi ngesizathu esifanayo, umphumela ohlukile, ongathuthukisa ukuwa okuphawulekayo futhi onganciphisa imali yakho oyitshalile ezinyangeni ezimbalwa ezizayo. Kuzona zozimbili lezi zimo, kuzodingeka kakhulu ukuthi ubhekele ukuvela kwayo futhi ngale ndlela ube sesimweni sokuthatha isinqumo esifanele ngokuphelele.
I-thermometer yenzuzo
Ngakolunye uhlangothi, lesi silinganiso silinganisa inzuzo etholwe yinkampani efakwe ohlwini lwezimakethe zamasheya. Lapho ukukhuphuka kwemali etholakalayo ngesabelo ngasinye noma i-EPS, okukhulu kuzoba ukusebenza kwayo uma kukhulunywa ngokufakwa kuhlu ezimakethe zikazwelonke noma zomhlaba wonke. Ngalo mqondo, kubaluleke kakhulu ukuthi wazi ukuthi ucezu lolwazi lokho inikezwe cishe yizo zonke izingxenyekazi zezezimali lapho-ke ungafaka isimangalo ebhange lapho ubeke khona imali yakho yokuphepha noma inkampani yomshwalense wokutshala imali. Bazokunikeza zona ngaphandle kwezinkinga ezeqile ngoba lwazi olusemphakathini kubo bonke abatshalizimali abancane nabaphakathi.
Komunye umthambo, i-BPA nayo ucabangela isikweletu hhayi nje inani lemakethe. Lokhu kunzima kakhulu ukubala ngakho-ke kudinga uchungechunge lwemibiko ezocaciswa kabanzi ngabalamuli bezezimali. Ukufika ezingeni lokuthi kuzoba nzima kakhulu ukuhumusha futhi ungahle ungabi nayo imfundo edingekayo yokuyidlulisela kutshalomali lwakho. Ngakho-ke, akukho okunye ongakwenza ngaphandle kokulandela izinkombandlela ezelulekwa ngumeluleki wakho wemakethe yamasheya. Ubani ozokwazi ukulinganisa lezi zixhumanisi emhlabeni ohlale uxakekile we
Ubudlelwano obuqondile ne-PER
Okokugcina, kufanele futhi kushiwo ukuthi imali etholakalayo ngesabelo ngasinye ixhumene ngqo nokubalwa kwesinye sezinkomba ezisetshenziswa kakhulu ngabatshalizimali emakethe yamasheya futhi leyo yi-PER. Le datha yemakethe yesitoko iyisilinganiso esihlobanisa ngqo inani lentengo le-EPS. Ngalesi sizathu, ukuxhumana kwabo kuncane kunokuhambisana futhi ngokuhlangene kukuvumela ukuthi ube nokuhlaziywa okuphelele kakhulu kwezokuphepha okubalwe ezimakethe zamasheya. Lapho ukubalwa kwephutha kuzoba kuncane kakhulu futhi kuzokusiza ekuthuthukiseni utshalomali lwakho kunoma yiluphi uhlobo lwamasu futhi ngaphandle kokukhishwa kwanoma yiluphi uhlobo, njengakwezinye izinhlaka.