Vele, isimo sezimali zaseSpain asisihle, okwamanje. Kepha ngamanani ayingozi emakethe yamasheya. Hhayi i-euphoric ngokweqile noma, kepha igcina izingqinamba ezikuvumela tshala imali oyongile ngokuthula kwengqondo. Okungenani uma imisebenzi yakho iqondiswe esikhathini esifushane, noma mhlawumbe okuthile uma izindlela zakho zokutshala imali zisondela kakhulu. Noma kunjalo, kukhona uchungechunge lwamanani angenza ukuthi udlale umzuzu omubi nganoma yisiphi isikhathi. Ngezinga engikwazi ngalo shabalala ingxenye yenhlokodolobha etshaliwe. Njengoba ubhekene nalesi simo, kufanele uxwayiswe kusengaphambili futhi ugweme noma yikuphi ukuthengwa, noma ngabe amanani ashibhile kangakanani ngalesi sikhathi.
Lawa ngamanani ayingozi kakhulu angahambi ezimeni ezinhle kakhulu ngalo mzuzu onembile. Kufanele-ke ube ngokuqapha kulokho okungenzeka ngezenzo zabo. Akumangalisi ukuthi unokuningi okulahlekile kunalokho ongakuzuza. Futhi lokhu kuguquguquka yikho okufanele kuqondise izenzo zakho kusukela manje kuqhubeke. Awungeke uphumule ngaphansi kwanoma yiziphi izimo futhi uvikele ukuxhumana kwabo ukuze kungabi yinkinga empilweni yakho ebudlelwaneni bakho nezwe lemali.
Ukuze ube nombono osondele kakhudlwana wokuthi lawo mavelu ameleni, akukho okungcono kunokuthola esinye salezi ziphakamiso eziyingozi. Kuzoba isu elihle kakhulu ukugoma ukuvezwa okuyinkimbinkimbi kakhulu ezenzweni zakho. Vele, akulona inani elilodwa, kepha liningana futhi lihlukile. Zibandakanya cishe yonke imikhakha yezimali, ngaphandle kokuhlukile. Yize sizokudalula kuphela izibonelo ezihambelana kakhulu nokuthi ayini amanani wemakethe yamasheya ayingozi kakhulu. Ungangabazi ukuthi uzoba nokumangala okungaphezu kokukodwa kulolu khetho esikulungiselele lona.
Amanani ayingozi: kungani?
Kucatshangelwa ukuthi ukuvikeleka okuyingozi yilokho okunenkambiso eyehlayo kakhulu futhi kungadala ukuthi kwehle ngamandla kakhulu phakathi nezikhathi zokuhweba ezilandelayo. Futhi kulezo zimo isimo sakho sebhizinisi akuyona into engcono kakhulu ongayethula. Ukwazisa ngokusikwa ukuthi amanani amasheya abo angahlupheka. Kunoma ikuphi, akufanele uvule izikhundla ngaphansi kwanoma yiziphi izimo. Ngesizathu sokuqala futhi lokho akuyona enye ngaphandle kwe- imali eningi ongayilahla. Ngisho nengxenye noma ngaphezulu yaleyo mali etshaliwe.
Zimelela ubungozi obukhulu kuzintshisekelo zakho ebuhlotsheni bakho namasheya. Akumangalisi ukuthi bangakunika okungaphezu kokukodwa ngesikhathi esingalindelekile. Noma kunjalo, amanye ala mavelu zikhonjwa kakhulu ngengxenye enhle yabatshalizimali abancane nabaphakathi. Kokubili ukuhlaziywa kwayo kwezobuchwepheshe kanye nezindaba ezithathwe ebhizinisini lazo. Isimo esibi kakhulu esingavela kuwe ukuthi unezikhundla ezivulekile kwezinye zalezi ziphakamiso zokulingana. Ngoba empeleni, lapho-ke uzoba nenkinga enkulu.
Ukukusiza kulo msebenzi, akukho okungcono ukudalula ukuthi yiziphi ezinamanani agxile kule nqubo eyinkimbinkimbi. Kwezinye izimo, zizokujwayela impela, kepha ngokuqinisekile kwezinye zizokumangaza ezizokudonsela amehlo. Ngakho-ke, lawa ngamanye amanani aveza isimo esibi kakhulu.
I-Deoleo: izinkinga ngamafutha
Uma kunenani eliphikisanayo kumholo oguqukayo kazwelonke ongekho omunye ngaphandle kukhiqizi kawoyela. Ngoba impela, ukuvalwa kwama-akhawunti ayo ebhizinisi ngonyaka odlule bekungeke kudumaze kakhulu kubo bonke abaninimasheya. UDeoleo uqophe i- umphumela omubi wenetha kuma-euro ayizigidi eziyi-179. Lokhu kulahlekelwa kubangelwe yisinqumo sebhodi labaqondisi sokuqopha ukonakala kwezimpahla ezingama-euro ayizigidi ezingama-96,3 kanye nezinguquko emithethweni yentela.
Akusona isikhathi esihle, ngakho-ke, sokuvula izikhundla enkampanini. Ngaphansi kwelinye lamacala futhi uma utshale imali okwamanje, kufanele uhambe ngokushesha okukhulu. Isikhathi esihle sizoba lapho kunokubuyiswa kwamanani entengo yabo. Yize yonke into izoncika entengo yokuthenga lapho wenze khona ukusebenza ngokusemthethweni ezimakethe zezimali. Kuzoba yindlela ephumelela kakhulu yokuqeda inkinga. Akumangalisi ukuthi kuzohlala kungcono ukulahlekelwa ngama-euro ambalwa cishe cishe yonke iminikelo yezomnotho ngenani.
Uqaphile ngeBanco Popular
Abatshalizimali baleli bhange eliphakathi nendawo balahlekelwe cishe ngama-90% wemali abayongile. Akuzona izizathu ezinhle kakhulu zokubeka lesi sitoko esikhohlisayo ku-radar. Hhayi kancane. Yize kuya ngenqubomgomo yakho yebhizinisi entsha, ungaguqula ukuthambekela kwakho esikhathini esifushane noma esimaphakathi. Yize kungukusebenza okugcinelwe kuphela abatshalizimali abanesibindi nabathandi bemizwa enamandla ezimakethe zezezimali. Ingabe kunjalo kuwe?
Akumangalisi ukuthi inelungelo lokunikela ngokuncipha okukodwa okunamandla emakethe kazwelonke eqhubekayo eminyakeni yamuva. Kunjalo akuyona indawo enhle yokuqala ukusebenza. Futhi kakhulu ngokungaqiniseki okukhulu lapho amasheya ayo abhalwe khona ezimakethe zezezimali. Kuzoba ngcono-ke ukuthi ushiye izenzo zakho ngezikhathi ezingcono kunani lakho.
I-Tecnocom: ukuqapha kakhulu
Ukunyakaza kwakamuva ekunikezelweni kwayo kwamasheya kukwenza ihambisane nenani eliyingozi kakhulu ezinyangeni ezimbalwa ezizayo. Futhi uma ingakunika isimanga esihle, awukwazi ukukhohlwa ukuthi kuzoba lula kakhulu ukukhula ukunyakaza okungahambi kahle kakhulu ezimakethe. Ukufika ezingeni lokuthi kungaba enye yezinkampani lapho ushiya khona ingxenye ebaluleke kakhulu yemali etshaliwe. Izingozi zayo zingaphezu kwesikhashana okwamanje futhi akuyona enye yamagugu anconyelwe kakhulu ukuqala ukuthatha izikhundla ngesikhathi esifushane.
Ngokuphambene nalokho, inketho enhle onayo ukubeka amasheya akho kuze kube yilapho ulinda izikhathi ezingcono zokuthuthukisa imali. Ngokomlando bekuyisiphakamiso sokulingana esingashintshashintshi, nge ukushintsha okukhulu ngamanani abo. Ngokwehluka okungaphezu kokuqaphelekayo phakathi kwezintengo zayo eziphakeme nezincane. Ukuthi abayivumelanisi njengenye indlela enikeza amathemba amahle okwenza ngcono imbuyiselo yokonga kunoma yisiphi isimo sezezimali. Akumangalisi ukuthi unamanani anokubukeka okungcono kakhulu. Kokubili ekuhlaziyweni kwayo kobuchwepheshe nokuyisisekelo.
I-OHL emsileni wezinkampani zokwakha
Uma kunenani eliveza amathemba angenelisi okutshala imali leyo akekho omunye ngaphandle kwenkampani eholwa nguJuan Miguel Villar Mir. Izinkinga zakho kuma-akhawunti wakho wezezimali Futhi amahlazo ngezikhathi ezithile engiqedile ukuwafaka kuwo awenzi kube kuhle kakhulu ukuthi kube ngomunye wabazongenela iphothifoliyo yakho yezokuphepha ezinyangeni ezimbalwa ezizayo. Kepha kunalokho okuphambene, bese uzama ukuhlehlisa izikhundla esimweni lapho usuvele uvule izikhundla kule nkampani yokwakha.
Ngaphakathi komkhakha lapho kubhalwe khona, kubalwa nama-akhawunti iziphakamiso ezisikisela kakhulu futhi lokho kunikeza amandla wokubuyekeza aphawuleka kakhulu. Ngaphezu kwalokho, bethula izabelo ezinenzuzo enkulu ezingaholela emazingeni afinyelela ku-7%. Kunoma ikuphi, igrafu eyethulwe yi-OHL ayimeme ithemba. Ngenye yamasampula ezimali ezingenza ulahlekelwe ama-euro amaningi endleleni. Akunconywa ngisho nangemisebenzi yokuqagela noma ngisho nasesikhathini esifanayo sokuhweba. Ngoba empeleni, kuningi okulahlekile kunokuzuza. Ungakhohlwa kusuka manje uma ufuna ukunikeza ukuvikeleka okukhulu kuphothifoliyo yakho yokutshala imali.
Abengoa: okunye okufanayo
Le nkampani iyaqhubeka nokugcina umkhuba ofanayo omubi njengasezinyangeni ezedlule. Okungaqondakali ukuthi awukwazi ukusebenzisa noma yiliphi isu. Ngasohlangothini olubi, kungaholela ngisho nakumazinga entengo lapho ulahlekelwa yingxenye yokonga kwakho. Akuvumelekile ngisho noma uletha ulwazi oluningi ezimakethe zezimali. Ngoba ekugcineni ukuthambekela kwayo kungaqondiswa kunoma yisiphi isimo, kungaba phezulu noma phansi. Noma yini ingenzeka kukodwa ukufakwa kuhlu ngenxa yesimo sayo esibucayi. Kokubili ngokuhlaziywa kwayo kwezobuchwepheshe kanye nokunyakaza kwezinkampani ebikade ikunikeza abaninimasheya bayo isikhathi eside.
Njengamanje, ayikho indlela yokuhlaziya indlela abaziphatha ngayo kunoma iyiphi indlela yokubuka. Ngaphandle komugqa ukuze uqale noma yikuphi ukusebenza ezimakethe. Lapho kungenzeka ukuthi ayiyeki ukuwa ngenxa yezinkinga ezinkulu zezimali inkampani enazo. Akusadingeki ube nezabelo zabo noma wenze ngokusemthethweni ukunyakaza okusheshayo okwenza imisebenzi yakho ibe nenzuzo.
Ngokwesimo esifanayo kunelinye iqembu elibalulekile lezinkampani elibhalwe kuma-indices emakethe yamasheya kazwelonke. Elinye lamagugu amelwe kakhulu ngalo mqondo yi USniace. Ngemuva kweminyaka yokungabhaliswa ezimakethe zezezimali. Yize okwamanje engaziphathi kabi nakancane. Kepha noma kunjalo, akusona isimemo esicacile sokuvula izikhundla.
I-FCC futhi idala ukunyakaza okungahambi kahle okusiza ukuyigcina ingekho ekusebenzeni kwemakethe yakho yamasheya. Noma njengoba esimweni somshuwalense abaningi ukuthi abadluli ezikhathini ezihamba phambili. Okungenani maqondana nekhotheshini yamanani abo. Nge-downtrend okuthola kunzima kubo ukuthi bayishiye esikhathini esifushane kakhulu sokutshala kwabo imali.