Kubukeka sengathi kuyindaba yesikhathi, kepha ukuguqulwa kuzofika ngokushesha kunakamuva. Ngoba akukho okukhuphuka unomphela, kungasaphathwa kangako ezimakethe zezimali. Kukuphi noma kungakhohlwa ukuthi imakethe yamasheya yase-United States ibilokhu yephula i ukuphakama okusha okusha sonke isikhathi. Kufike eqophelweni lokuthi iphindwe kathathu ngenani eminyakeni eyishumi edlule esikhathini lapho abatshalizimali abambalwa kakhulu abakwaziyo futhi okuholele ekutheni bandise imali yabo emakethe yamasheya. Ngaphansi kwamaphesenti asondele ku-100%.
Kepha amazwi okuqala asevele evela mayelana neqiniso lokuthi lesi simo esinamandla kakhulu sinesikhathi esincane esisele noma okungenani sesivele siphume ingxenye enhle yempikiswano yaso. Ngenkathi kwenzeka okuphambene nalokho, ezimakethe zamasheya zezwekazi elidala le nqubo ibingasuki mpo futhi ibhalwe ezinye izimo ezihlukile. Kodwa noma kunjalo, ibhalansi iyaqhubeka nokuba namandla selokhu inkinga yezomnotho yaphela ngo-2010. Ngemiphumela engalingani kumasheya wesitoko ngasinye ezweni ngalinye. Kepha noma kunjalo kube wutshalomali olunenzuzo, ikakhulukazi uma kuqhathaniswa nemali engenayo engaguquki.
Ngenkathi ngakolunye uhlangothi, kungakukhohlwa lokho Sibe nemakethe yezinkunzi e-United States iminyaka eyishumi lokho akuyeki ukusetha ukuphakama okusha komlando futhi eYurophu ukuthambekela okujwayelekile kusezingeni eliphakeme lonyaka. Kepha akulona iqiniso elincane ukuthi abahlaziyi abahlukahlukene ezimakethe zezimali basho ukuthi akufanele sikhohliswe: ukuwa kuzofika kungekudala noma kamuva. Futhi lesi kungaba yisimo esiyingozi ngempela kwabanye abatshalizimali abancane nabaphakathi. Kuya ngezikhundla abazithathile okwamanje. Lesi ngesinye sezizathu sokuthi kungani kufanele ukhethe kusukela manje kuqhubeke.
Kuzoba nini ukushaya okukhulu?
Iqiniso ukuthi lesi simo sizokwenzeka futhi sisale kuphela yazi usuku nosuku. Kungenzeka sibe ekuqaleni kwale nhlangano engazelelwe noma kungathatha iminyaka embalwa ukuthi ikhule. Kunoma ikuphi, abatshalizimali abancane nabaphakathi kumele bazi ukuthi yini engenzeka kusuka manje. Ngoba benza okuningi kulo mdlalo ngoba imali ekutshalweni ayikwazi ukuphepha njengoba abanye abasebenzisi bemakethe yamasheya bekholelwa okwamanje. Ngakho-ke, ukuqapha okukhulu nokukhuthala ekusebenzeni naphezu koshintsho lwendawo ezimakethe zezimali.
Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi esinye sezikhiye zokungacwiliseki kulolu hlobo lokunyakaza silele ngendlela efanele ukwehluka kwezimali. Lokho wukuthi, ukukhetha izimpahla zezezimali eziningi esikhundleni sokugcina imali kokuvikela okukodwa noma kumkhiqizo wezezimali. Ngenhloso yokonga okokuqhathanisa nolunye uchungechunge lwamasu anolaka kakhulu. Ngesikhathi lapho kudingeka ukunakekelwa okukhulu ekukhetheni izimpahla zezimali. Okungenani kusukela manje futhi nasebusweni bokuthi kungenzeka yini ezinyangeni ezizayo. Akumangalisi ukuthi kulindeleke izinguquko ezinkulu ezimakethe zezimali emhlabeni wonke.
Gcina Inzuzo
Ezimweni zokwehla phezulu, into enengqondo kunazo zonke ukubamba imali kuze kufinyelelwe amanani angcono kwikhotheshini yayo noma kuze kuvele amasiginali akhombisa ukuphela kwalokhu, noma kunengozi yokuwela ezimweni ezingavamile ezingayenza iwele inani eliphawulekile ngokulahleka okulandelanayo esitatimendeni sakho semali engenayo. Ngakolunye uhlangothi, kuwukuhlakanipha okukhulu ukukhetha ifomula elihlanganisa ifayili le- ukuphepha kwengozi yokuphepha Njengecebo lokulondoloza amanani anikelwe, ikakhulukazi kulezo zikhathi ze-bearish lapho kulula khona ukuzuza okuncane okutholakele ukuba kube yizikhathi ezimbalwa zokuhweba ngokubomvu komtshali-zimali, nenkinga yokuthi uzothengisa yini ngokukhubazeka noma uye ngokujulile bona.
Ngakolunye uhlangothi, uma kukhulunywa ngokulinganisa izinzuzo ezingaba khona zentengiselwano ngayinye yesitoko, akudingeki nje kuphela ukuthi sibheke umehluko phakathi kwentengo yokuthenga nentengo yokuthengisa, kepha futhi kufanele sengeze amanani ekhomishini entengo ngayinye yesitoko , kanye nalawo okugcina izingane futhi, yebo, inani elibhekiswe kuMgcinimafa, lingu-18%. Ukuwahlanganisa onke — okumelela phakathi kuka-0,50% no-1,50% wemali etshaliwe- kuzokwazi ukuthola inzuzo yangempela yotshalo-mali, okuthi ezimweni lapho ukuzuza kwemali kungaphansi, kungahle kunganciphisi nomphumela wamakhomishini nezintela . Lokhu kufanele kube wukusebenza okumele kwenziwe yibo bonke abathengisi ngaphambi kokunquma ukuthengisa noma ukulinda inzuzo ephezulu.
Gwema izimo ezingafuneki
Noma kunini lapho kunokukhubazeka khona, kwehluleka isu le-investor, kepha kunamacala angagwenywa, noma okungenani ancishiswe, kepha kulokhu kubalulekile ukuthatha uchungechunge lwezinyathelo zokuqapha ezihluka ngokuya ngephrofayili ngayinye kubo. Akumangalisi ukuthi okusengcupheni izinkulungwane nezinkulungwane zama-euro kulo msebenzi ngamunye. Ngalesi sizathu, enye yezinjongo ezinkulu zabatshalizimali abancane nabaphakathi ingaphezu kwakho konke ukonga imali yabo ngenhla kolunye uchungechunge lwamasu ekutshalweni okucatshangelwayo noma okunolaka kakhulu. Njengemodeli yokuzivikela engakhiqiza imiphumela eminingi futhi emihle kakhulu evela kulezi zikhathi.
Yebo, ukugwema ukusebenza okungathandeki kuyalulekwa kumtshali-zimali ukuthi ngaphambili azihlolisise izidingo zakhe zangempela zokutshala imali, futhi ngaleyo ndlela abone ukuthi ngabe iphrofayili yakhe inolaka noma iyazivikela, futhi okubaluleke kakhulu, isidingo semali abazoba nayo ikusasa. Kunoma ikuphi, noma kunjalo, akumele kudayiswe ukuthi izibambiso ezinamanani entengo aphansi ngokomlando, yize kunzima ukukuthola, yize ukuhlaziywa kwezobuchwepheshe kunikeza "imikhondo" ethile mayelana nezinguquko zenkambiso.
Ukwenza kuphi ukuthengisa?
Kunezimo eziningi lapho ukuthengisa kufanele kulungiselelwe ukwehla okukhulu ezimakethe zamazwe zamazwe. Lapho kudingeka khona ukuthatha lesi sinqumo ukugwema ukuthi ukulahlekelwa kungaya kokuningi noma bagcizelelwa ngokuhamba kwezinsuku. Njengesibonelo, kuzimo ezilandelayo esiziphokophele kusuka manje kuqhubeke:
Thengisa lapho amandla okwehla enamandla kakhulu futhi, izigaba eziphansi kakhulu entengo zingamoshwa. Ikakhulu, lapho izephulelo zosayizi othile ziphuliwe futhi lokho kungaba yibhaxa lokulungiselela ukuphuma ezimakethe zezimali.
Akunconyelwa kakhulu ukuthatha amanani entengo uwaqise lapho ungalahlekelwa yimali eningi emsebenzini ngamunye wesitoko. Ngalo mqondo, kungcono ukuhoxisa ngesikhathi kulokho okungenzeka emihlanganweni elandelayo yokuhweba.
Kungumnyakazo okufanele wamukelwe lapho uguquko olusobala kumkhuba ngoba le nqubo ingathatha isikhathi eside. Okungaphezu kwalokho ongakucabanga kusukela ekuqaleni nakule ndawo yokubuka okungcono kakhulu ongakwenza ngaleso sikhathi ukuzibeka emalini ephelele. Ngakho-ke awubanjwa ngonyawo oluhlukile kulolu hlobo lokusebenza.
Futhi ekugcineni, ungathengisa izihloko ekusikeni okuthile okufanayo. Ngoba kungaba yisandulela sokuwa okusha nokunabile kusukela ngaleso sikhathi kuqhubeke.
Funa imali
Ingxenye yezixazululo zezinkinga zokukhokhwa kwemali ingase ibe sekungeneni kwinkontileka ye-payroll nebhange lakho noma ebhange lakho lokonga, ngoba ngokuvamile bacabanga ukuthi kungenzeka cela imali ngaphambi kwesikhathi ngemali efinyelela kwinani elilodwa ngenyanga, ngokulahla ibhalansi ye-overdraft ku-akhawunti yakho. Kodwa-ke, lokhu kusengaphambili kunomkhawulo omkhulu cishe wama-euro angama-5.000, yize kuya ngomkhiqizo obhalisiwe nomholo womsebenzisi, leli nani kungaxoxiswana ngalo nesikhungo sakho sezezimali. Ezimweni lapho isidingo semali siphezulu, noma sidlulele, le mikhiqizo efanayo yasebhange inika ilungelo lokucela imalimboleko yomuntu siqu ngezimo ezincanyelwayo, futhi kuzo zombili lezi zimo zizosebenzela ukumboza izinkinga zezimali zalaba bantu ngaphandle kokubhekela ukuthengiswa kwemikhiqizo yayo engenayo engaguquki noma eguquguqukayo.
Yize iningi labasebenzisi bamabhange linesiqiniseko esiphelele sokuthi izinkokhelo zabo zizokwazi ukuhlangatshezwa njalo, noma yikuphi ukubhekana nezimo ezithile kungabhubhisa izinhloso zabo ezinhle: ukwehla kweholo, imisebenzi ekhokhelwa kancane futhi, ngaphezu kwakho konke, ukungena ezingeni lokungasebenzi kungakhiqiza lokho abanini banenkinga ethile ekubhekaneni nokukhokhwa kwamakhredithi abo futhi, kulapho-ke lapho ukungabaza okukhulu kubahlasela: kuzokwenzekani ngempela uma bengakwazi ukufaka esikhundleni semali ekhishwe kusengaphambili, ingxenye noma ngokuphelele, ebhizinisini? Ungakhohliswa, okudingwa isikhungo sezezikweletu ukubuyisa imali yaso, kungabi ngaphezulu noma ngaphansi, hhayi ukuthola ezinye izimpahla zezimali okufanele zizithengise emakethe.