Ngoba ukwehliswa kwentela kuvuna utshalomali

Ukunqunywa kwentela kuhlobene kakhulu namasheya kunalokho ongakucabanga ekuqaleni. Kufika eqophelweni lokuthi noma yikuphi ukunyakaza okuya kule ndlela kuzothinta izimakethe zezezimali futhi ikakhulukazi emakethe yamasheya. Hhayi eSpain kuphela, kodwa nasemhlabeni wonke othuthukile. Ngoba empeleni, ubudlelwano phakathi kokuphathwa kwentela kanye utshalomali isondelene kakhulu kunalokho abaningi abakholelwa kukho. Ukufika ezingeni lokuthi ingakusiza ukwenza imali noma, kunalokho, ilahlekelwe yibo. Ngokuhamba okusheshayo ezimakethe zamasheya.

Ukuze ube nombono omncane ngokwengeziwe ngalokho okufanele ukwenze kulezi zimo, kuzodingeka ngokuphelele ukuthi uqonde ukuhlangana phakathi kwale mibono yomibili kusukela manje. Ngoba ngale ndlela, uzobe usesimweni esingcono sokuqinisekisa ukuthi ukuzuza kwemali kuyavela esitatimendeni sakho semali engenayo. Ngaphezu kwalokho, kuzoba namandla isisusa sokuvula izikhundla kumasheya asekelwe kulokhu kuhluka okubalulekile kwezomnotho. Kuzofanele wenze okuthile engxenyeni yakho ukuze ngale ndlela imiphumela iqale ukufinyelela kuphothifoliyo yakho.

Ngoba isimo sentela esinamandla kakhulu asifani nokukhululeka. Imiphumela yayo kumasheya izohluka ngokuphelele, njengoba uzokwazi ukubona ngezansi. Kuyinto elula ukuqondakala futhi itholakala kuwo wonke umuntu, kufaka phakathi abatshalizimali abancane nabaphakathi. Ngemiphumela ehlukile, kuya ngokuthi usesimweni esithile noma kwesinye. Ngoba kalula uzoba nokwelashwa okungafanikodwa ehluke ngokuphelele. Ngamafuphi, kungenye indlela yokuqonda imakethe yamasheya. Ngokombono ohlukile futhi kuyasebenziseka kakhulu ukuvikela izintshisekelo zakho njengomtshalizimali othengisa.

Ngabe impatho yentela ithinta kanjani?

Into yokuqala okufanele uyazi ukuthi inqubomgomo yezimali ekhululekile izuzisa abatshalizimali. Lokhu kungenxa yokuthi ngokuba nemali ethe xaxa kuma-akhawunti abo okonga, bazoba nezinketho eziningi zokwaba le mali kuzimali ezitshaliwe. Noma yimuphi umkhiqizo wezezimali abawukhethayo ngasikhathi ngasinye. Kuyacaca ukuthi izifiso zakho zokutshala imali zizokhushulwa ngaphezu komthethosivivinywa. Izibonelo eminyakeni yamuva zifakazela futhi ziqinisekisa lokhu kuhamba ekuhambeni kwemali. Futhi awukhohlwa nganoma yisiphi isikhathi uzobona ingcindezi enkulu yokwenza imisebenzi isebenze ngokusemthethweni emakethe yamasheya.

Ohulumeni, lapho bengakwazi ukusika intela ukuze izakhamizi zabo zibe nemali eningi kuma-akhawunti abo wokuhlola. Ngakho-ke, kulula kakhulu kubo ukuthi baye kunoma yiluphi uhlobo lokutshala imali. Kahle emholweni oguquguqukayo, emholweni ongaguquki noma nakwezinye izinhlobo. Hhayi ngeze, bafuna ukubuyisa imali enkulu kulondolozo lwabo. Okungaphezulu kakhulu kwezimo eziphambene ngokuphelele, lapho ukulungiswa kwesabelomali sasekhaya kuhlala kukhulu kakhulu.

Ngaphezu kwalokho, kuyindlela yakudala yokuvuselela umnotho wezwe noma wendawo. Kukuyo yonke imikhombandlela yosomnotho abakhulu. Yize kungenxa yemiphumela yokwehla komnotho okokugcina, lesi simo ebesikade silindelwe ngabasindisi asikwazanga ukusetshenziswa eSpain. Uma kungenjalo kunalokho okuphambene, isilinganiso sentela sikhuphukile yamanani amakhulu kazwelonke nawendawo. Ngale ndlela, kunemali encane ephaketheni labakhokhi bentela futhi amathuba abo okungena emalini aphansi kakhulu. Ngenye indlela yokuqonda imakethe yamasheya kanye ne-angle yentela.

UTrump usika intela e-USA

Ukufanekisa lesi simo esihlobene nokuphathwa kwentela, akukho okungcono kunokuya esihlokweni esihloko sokweqile. Futhi yiyona ephathelene nesimo sase-United States ngemuva kokufika kwengxabano Donald Trump ehhovisi likamongameli walo mandla omnotho emhlabeni. Yebo, esinye sezithembiso zakhe ezibaluleke kakhulu okhethweni sasincike ekwehlisweni okukhulu kwentela. Futhi kube njalo ngemuva kokuthatha izinqumo zakhe zokugcina. Lokho ngokungangabazeki kuzothinta izimakethe zakho zokulingana.

Ngoba empeleni, umongameli wayelindele ukuthi "kuncishiswe umlando" enteleni ezinkampanini nasezingeni eliphakathi laseMelika. Ngokukhethekile, wathembisa emkhankasweni wakhe wokhetho ukufuna ukwehliswa kwezinga lentela yezinkampani kusuka kumaphesenti angama-35 kuye kwangama-15, ukusika kwamaphesenti angama-20. Lokhu kusebenze emasontweni adlule. Njengomphumela walesi silinganiso esibalulekile, abaseMelika bazoba nemali eningi ezikhwameni zabo.

Omunye wemiphumela yaleli qiniso ukuthi bazokwazi ukuvula amathuba emakethe yamasheya. Ngakho-ke kubonakala kunengqondo ukuthi imali eningi ifinyelela ezimakethe zamasheya zaleli zwe. Ngokukhuphuka okubonakalayo okufanayo. Ukufika ezingeni lokuthi ukudonswa okusha okuya phezulu kungakhiqizwa kulezi zimakethe zezezimali. Ngesizathu esilula sokuchaza futhi lokho akuyona enye ngaphandle kwezikhundla zokuthenga ezibekwa kubathengisi. Ngokwalo mbono, akuwona umqondo omubi ukuguqula ukulondolozwa kwemindeni yaseSpain kule makethe yomhlaba wonke. Ngoba ingakhiqiza inzuzo enkulu kunezikwele zezwekazi elidala.

Izintela eziphezulu: imiphumela ehlukile

Enye into ehluke kakhulu yisimo esiphambene. Nini imali eningi ikhokhwa ngentela. Lesi simo senza abatshalizimali abangahle bangabaze. Ngoba banemali encane ku-akhawunti yabo yokuhlola. Ngenxa yalokhu, inani lemisebenzi eyenziwa ezimakethe zezezimali lizoba lincane. Phakathi kwezinye izizathu, ngoba kufanele babhekelele izindleko zabo nezomndeni. Hhayi ngeze, kuzofanele uvumelane nesiyalo esikhulu kwizabelomali zabo ngenxa yokuba nesikweletu esincane.

Ukwelashwa kwentela okuningana njalo kuletha inkinga eyengeziwe yezimali. Ngoba kuxosha inamba enhle yabatshalizimali abancane nabaphakathi kuyo. Ngakho-ke akusona isimo esihle kakhulu ukuthi ungathintana nezwe lemali eliyinkimbinkimbi njalo, kepha kunalokho okuphambene nalokho. Izikhathi zomlando okwenzeke kuzo kube ezihle kakhulu ekukhuleni kwentengo yamasheya ekhiqiziwe. Okungenani esikhathini esifushane.

Yini ongayenza kulezi zimo?

Uma uzithola ungene kwesinye isimo, ngeke ube nenye indlela ngaphandle kokukhetha amasu ahluke kakhulu okutshalwa kwezimali. Yize kuzo zonke izimo kuzoba nezinhlelo ezijwayelekile okufanele uhambisane nazo. Ukuqala emigqeni yesenzo elandelayo esizokuvezela yona ngezansi.

• Kufanele uchaze ukuthi yisiphi isikhathi noma esinye, ngoba kuya ngazo, awunaso esinye isixazululo ngaphandle kwalokho yenza izinqumo ezihlukile. Kwezinye izimo ukuvula izikhundla kokunye okuphambene. Lokho wukuthi, yenza ukuthengisa okuyingxenye noma okuphelele.
• Ungahlala usizakala ngezikhala zokuphumula zezimali ngoba imali etholakalayo izoba nkulu ezimakethe zezimali. Ngokubekwa okungacatshangwa kwezikhundla zokuthenga kubathengisi.
• Intela ephansi ingenye isimemo sethemba ukuze izikhwama zikhuphuke, noma ngabe ngamandla amakhulu. Ungaya ezimakethe lapho ukuphumula noma ukuphathwa kwentela ngokungangabazeki kuzoba lusizo kakhulu kuzintshisekelo zabakhokhi bentela.
• Ukukhuphuka kwentela akuyona into engeyinhle kuphela ngokuqondene nezwe lemali. Kepha kuthonya ngesinqumo esikhulu ku izindleko ozoba nazo kutshalomali okwenziwe ngokusemthethweni ngokuzuza kwemali. Kokubili ekuqedweni kwemisebenzi, njengasesimemezelweni semali engenayo.
• Lesi sici ithonya amanani anolaka kakhulu ukwedlula lezo ezithathwa njengamanani esiphephelo. Lokho okungukuthi, labo usesimweni esihle sokwenza isikhwama sokonga esizinzile sesikhathi esiphakathi nesikhathi eside. Kuyinto encane engathinta izikhundla zakho ezivulekile ezimakethe zezimali.
• I- isikweletu kufanele uvule izikhundla ezimakethe zezimali. Ukufika ezingeni lokuthi uzokwazi ukuzibeka engcupheni maqondana namanani ongawanikela kule mpahla yezezimali eyenziwe ngokusemthethweni emakethe yamasheya.
• Njengoba ukwazi ukuthola kulezi zimo, kuzoba isilinganiso esizokusiza ukukhulisa utshalomali lwakho. Hhayi ngendlela ebabazekayo, kodwa kunalokho kunqunyelwe emiphumeleni yayo. Kepha lokho kuzosebenza ukufika ekupheleni konyaka ngesikhundla esikhulu ezimakethe ezikhethiwe.

Iziphetho ngokwelashwa kwentela

Ngokufingqa, awukwazi ukukhohlwa ukuthi yisimo ozohlomula ngaso sonke isikhathi. Ngokokubuka okuningi: ukusebenza, ukusebenza, amakhomishini kanye nomcebo obanzi kunalokho obekulindelekile. Kufanele usebenzise ngokunenzuzo ngangokunokwenzeka futhi ngihlaziye wonke amasu onawo okwenza imali oyongile izuze inzuzo.

Lokhu akusho ukuthi izimakethe zamasheya zihlala zikhuphuka isikhathi eside. Kepha ngokuphambene, kuzoncika kokunye okuguqukayo okuhambisana kakhulu nakho konke ukushintshisana. Kuphela uma zombili zihlangana lapho kuzoba yi isikhuthazo esingeziwe ukuze wandise izikhundla zakho kulezi zimakethe. Emazingeni owabona efanele kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi. Ngoba empeleni, izimo ezahlukahlukene zingacatshangelwa futhi ezinye zazo zithakazelisa kakhulu ukufeza izinhloso zakho.

Okokugcina, akuzona kuphela izindlela zokuphumula zentela yelungelo lakho lokutshala imali. Kepha ukwenza ngokusemthethweni noma yiluphi uhlobo lomkhiqizo wasebhange (ama-term deposits, amanothi ezethembiso noma isikweletu somphakathi, phakathi kokufanele kakhulu)