Kuyini i-Factoring?

yini ukufaka amaphuzu Ngokuqiniseka konke ukuthi ezikhathini ezingaphezu kwesisodwa uzwile ngalo mkhiqizo wezezimali okungukuthi i-factoring, kepha awazi ukuthi iqukethe ini, ingasaphathwa eyokuthi usebenzise ini. Ngiyazi Imayelana ne- umkhiqizo owenzelwe noma yimuphi usomabhizinisi noma uchwepheshe futhi, ikakhulukazi, yezinkampani ezincane nezisemaphakathi ukuthi. Ngalo mkhiqizo banganciphisa umthwalo womsebenzi wokuphatha, bakhiphe ukubalwa kwemali okwenziwe ngokuthengisa kanye nokuqoqwa kwabo, kanye nokukhokha kusengaphambili ngosuku olufanele lokukhokhwa kwama-invoyisi.

Imiphumela yayo izobonwa ngokushesha, ngoba izothuthukisa inzuzo, amandla esikweletu kanye nokuxazululwa kwemali yenkampani yakho. Phakathi kwezinye izinzuzo zokuthola lo mkhiqizo ulwazi olwenziwa ngezikhathi ezithile, olujwayelekile nolubuyekeziwe lwabakweletwayo, ukwehliswa kwemithwalo yokuphatha noma yenza lula ukubalwa kwe-akhawunti yekhasimende. Ayikho iphrofayili echaziwe yezinkampani zomsebenzisi zalo mkhiqizo wezezimali, kunalokho umkhawulo unikezwa ngumkhiqizo othengisiwe nezimo zokukhokha.

Lo mkhiqizo, ongaziwa kahle ngakolunye uhlangothi, ulungele lezo zinkampani ezifuna ukumboza ubungozi bokungakhokhi imali kwamakhasimende azo, kanye nokukwazi ukulindela, nganoma yisiphi isikhathi, ukuthengiswa kwazo phambili ngezinhlangano ezimaketha lokhu umkhiqizo. Ngokunjalo, ukuphathwa kwayo kwe-elekthronikhi kukhululekile futhi kulula, ngoba onikelayo uthumela futhi asayine i-invoyisi neminye imibhalo esikhungweni sezezimali. Futhi uma okweletayo eyamukele i-invoyisi, isilungele ukuthi imali ithuthuke.

Izici

Kuyinto a ezezimali kanye nefomula yokuphatha, ngokususelwa ekunikezelweni kwama-invoyisi: inkampani inikezela isikweletu sokuhweba samakhasimende ayo enkampanini, ephethe ukuphatha ukuqoqwa kwayo ngokushintshana ngokucatshangelwa okubandakanya ikhomishini yezinsizakalo zokuphatha kanye nenzalo yezezimali (kusengaphambili usuku olufanele lokukhokha ama-invoyisi amakhasimende akho).

Kufanele kukhunjulwe ukuthi amabhizinisi amathathu ahlukaniswe ngokufanele abamba iqhaza kulo mkhiqizo wezezimali, okulandelayo:

I-Factor: Inkampani yenkampani noma ibhizinisi lezezimali elihlinzeka ngezinsizakalo zalo mkhiqizo.

Iklayenti: ungumnikazi wamakhredithi wezohwebo (ama-invoyisi) futhi owenza isivumelwano se-Factoring.

Abakweletayo: abathengi bokuthengiswayo noma kwamasevisi wekhasimende, ekugcineni umthengisi.

ISpanish Factoring Association igcizelela ukuthi “ayikho iphrofayili echaziwe yezinkampani ezisebenzisa lo mkhiqizo, kunalokho umkhawulo unikezwa ngumkhiqizo othengisiwe nezimo zokukhokha. Ngamanye amagama, zonke izinkampani zingaba abasebenzisi beFinoringing, bathengise emakethe yasekhaya noma bathumele ngaphandle ”. Ngokwezinga lapho zonke lezi zinsizakalo, egameni lenkampani ye-Factoring, bakhiqize ukonga kwangaphakathi kwamakhasimende abo ngokubakhulula emthwalweni obiza kakhulu, oyinkimbinkimbi futhi odala ukukhathazeka wazo zonke izinhlobo ”.

Izinsizakalo ze-Factoring

ukugcwalisa izinsizakalo Okuhehayo okuyinhloko kwalolu hlelo yizinsizakalo ezihambisanayo, zombili ezokuphatha nezezezimali, ezihlobene nezinqubo zokuqoqwa kwenkampani yakho, futhi ngokulandelayo okulandelayo:

Ukuhlukaniswa kwamakhasimende: Le sevisi ifaka phakathi kokubili ukutadisha nokuhlaziywa kwamakhasimende, kanye nesinqumo semikhawulo yesikweletu okufanele sinikezwe ngamunye wabo.

Phatha ama-akhawunti atholakalayo: Ukuphathwa okuphelele nokuqapha ama-invoyisi abelwe inkampani ye-Factoring, ngezikhathi ezithile ebazisa ngezehlakalo zokuqoqwa kwe-invoyisi ngayinye kanye nesimo sama-akhawunti atholwa komunye nomunye wabakweletwayo.

Ukuphathwa kokuqoqwa nokungakhokhelwa: Imayelana nabaphathi bokuqala abadingekayo ukuze bazi izimbangela zokungathobeli inkokhelo yesisombululo sayo esingaba khona.

Izimali: insizakalo eyengeziwe, kuphela esimweni lapho umnikazi eyicelile, nokuthi ngenxa yokuguquguquka kwayo, kuvumela umsebenzisi ukuthi alahle inani lama-invoyisi abelwe kusengaphambili, ngesikhathi kanye nenani elidingwa ngumgcinimafa wabo.

Ukuhlanganiswa kwengozi yokuhluleka ukukhokha izikweletu kwabakweletwayo: ukumbozwa kuze kufike ku-100% wenani lama-invoyisi abelwe inkampani ye-Factoring elinde ukuqoqwa, kuze kufike kumkhawulo onikezwe okweletayo ngamunye. Futhi kuyinsizakalo eyengeziwe, ngesicelo sekhasimende.

Izinzuzo zomkhiqizo

Le ndlela yokuphatha ezezimali inikezela ngochungechunge lwezinzuzo kulabo abayiqashile, njengalezo ezibekwe ngezansi. Hhayi ngombono wokubalwa kwezimali kuphela, kepha futhi nokuphatha, futhi ezimweni eziningi ekuphathweni kwenkampani. Futhi kuzokuthakazelisa kakhulu ukuthi uhlangane nabo uma kwenzeka ngandlela thile uphoqeleka ukuba ubaqashe.

  • Nciphisa umthwalo wokuphatha futhi yenza lula izinqubo zokusebenza.
  • Nciphisa umsebenzi wezokuphatha, okufaka isandla kakhulu ekwehlisweni kwezindleko zokuphatha, zabasebenzi nezokuxhumana.
  • Lula accounting akhawunti yekhasimende, ukwandisa ukusebenza kahle kokuphathwa kweqoqo.
  • Inikeza imininingwane ngezikhathi ezithile, ezijwayelekile nezibuyekezwa zabakweletayo.
  • Iguqula imisebenzi yokuthengisa ngesikweletu ibe ukuthengiswa kwemali.
  • Gwema ingozi yokwehluleka ngenxa yezikweletu ezimbi.
  • Inikeza ukwakheka kwezezimali kwenkampani nge ukuqina okukhulu.
  • Ivumela ukuhlelwa komgcinimafa lokho nokwandisa ukuhamba kwemali.
  • Nweba amandla wezezimali futhi kuthuthukisa nokulinganisa izikweletu.
  • Ngokombono wokuhweba, ithuthukisa isikhundla senkampani ngokumelene nomncintiswano namakhasimende, ukuvumela ukuthi wandise imakethe yakho.

Izindlela zalo mkhiqizo

Kunezinhlobo ezahlukahlukene ze-Factoring, kuya ngezinsizakalo ozidingayo, noma okweletayo okukhulunywa ngaye. Phakathi kwazo kukhona okulandelayo:

Ukwenza izinto ezingezona ezokuphepha, le ndlela inikeza ngezimali, kucatshangelwa ukuthi inkampani efakazela ubungozi bokuhluleka ukukhokhela izikweletu zabakweletwayo. Ngokusobala, amanani akule modi aphezulu kakhulu.

Ukubuyiselwa kwamarekhodi, lapho umthengisi ethwala ubungozi bokungakwazi ukukhokha izikweledu, ngoba inkampani yakwaFactoring ayinaso isibopho sokungakhokhi okweletwayo. Le ndlela yokuziphatha iyahlukaniswa ngoba akusho ukuthi isekela imali.

Thumela izinto kwamanye amazwe, uma kukhulunywa ngokusebenza okwenziwa ngabakweletayo abahlala phesheya. Kuzuzisa ikakhulukazi izinkampani ezithunyelwa kwamanye amazwe kanye nama-SME angenazo izingqalasizinda ezinkulu, ngoba kufaka izinsizakalo zokukhishwa. Nge-Factoring, ukuthekelisa cishe kucishe kuthengiswe kuzwelonke, ngoba ukuphela kwento okufanele yenziwe ukuthumela izimpahla, futhi inkampani ehambisa amaphuzu inakekela okusele.

Kulolu hlobo lomsebenzi wezomnotho, kusengaphambili akwenziwa ngokujwayelekile lapho izimpahla ziyimikhiqizo ekonakalayo.

Inkontileka yale misebenzi

ukuqinisa intuthuko Inqubo yokwabiwa neyenkontileka ilula kakhulu futhi ayinazinkinga, kulandela inqubo efanele ngabantu noma ama-SME anquma ukwenza isivumelwano ngalo mkhiqizo wezezimali. Isinyathelo sokuqala thinta isikhungo sezezimali esithengisayo noma inkampani ye-Factoring, ukuchaza imigomo efanelekile yokusebenza kwezidingo zeklayenti ngalinye kanye nezindleko ezifanayo.

Ngalokhu, ngaphezu kwemininingwane yenkampani, umuntu onentshisekelo kufanele anikeze labo abahlobene nomsebenzi wabo nalawo ahambelana namakhasimende ofisa ukuwafaka esivumelwaneni. Ngakho-ke, kufanele ikhombise imininingwane elandelayo: inani lokuthengisa okulindelwe, inani lama-invoyisi ngenyanga, indlela yokukhokha (ibhili, inothi lesethembiso, ukudluliswa, njll.) Nesikhathi esimaphakathi sokukhokha. Zizosebenza njengesisekelo sokuhlola izindleko zokusebenza kwenkampani, futhi ngale ndlela, zikwazi ukunikela ngemibandela kwiklayenti.

Ngasikhathi sinye, lolu hlobo lwenkampani ekhethekile ucwaninga ukuxazulula kwesikweletu ukuhlola kamuva iphothifoliyo yamaphepha okumele kuxoxiswane ngawo. Ngesivumelwano kunoshintsho kubunikazi bamakhredithi, yingakho ezinye izidingo ezidingekayo zisungulwa ngaphambi kokukwazi ukwenza lolu hlobo lwenkontileka:

  • Ukuthi kune-invoyisi noma idokhumenti okufanele uyiqoqele ukuthengiswa.
  • Ukuthi ama-invoice avela ekuthengisweni okusemthethweni.
  • Lokho kusho ukuthi ukuthengisa kwenziwe ngesikweletu.

Ngemuva kokusayina inkontileka efanele, incwadi kumele ithunyelwe kwabakweletayo, ubazisa ukuthi usayine inkontileka nalolu hlobo lomkhiqizo. Ngakho-ke, kusukela ngalolo suku, ukukhokhwa kwama-invoyisi kufanele kwenziwe ngqo kuleyo nkampani.

Izindleko zamaqiniso

Izinsizakalo ezinikezwa yilo mkhiqizo wezezimali zimelela izindleko noma intengo okufanele yeneliswe abasebenzisi bezinsizakalo ezishiwoyo. Izindleko zakhiwa ngezinto ezimbili ezinqumayo. Ngakolunye uhlangothi, i- imali yokubhalisa, yezinsizakalo zokuphatha ezenziwa yinkampani ye-Factoring, eyehluka kuye ngesikhathi sokuqoqwa kwe-invoyisi.

Ngakolunye, isilinganiso senzalo, ezosetshenziswa lapho kusizakala indlela yokuziphatha efaka ukuqhubekeka kwezimali. Kodwa-ke, izindleko ziyahlukahluka kuye ngesimo semakethe (ngokuya nge-3-izinyanga ze-Euribor kanye nokusabalala; isilinganiso senzalo sokugcina sibuyekezwa njalo ngenyanga) kanye nobungozi obuthathwa yinkampani emaketha lo mkhiqizo wezezimali.

Izinzuzo zebhizinisi

izinzuzo zokwenza amaqiniso Phakathi kwezinzuzo zokuhweba ezibandakanya ukwenza kwalokhu kusebenza kwezezimali, ngombono weSpanish Factoring Association, kunezici ezilandelayo ezingasiza usomabhizinisi oqeqeshiwe noma omncane nophakathi nendawo:

  • Kuthuthukisa ngokuphawulekayo ukuphathwa kokuthengisa futhi kusiza ezentengiselwano ezisebenza kangcono kakhulu.
  • Ivumela inethiwekhi yezentengiso gxila emsebenzini wakho ngaphandle kokwenza izinqubo zokuqoqa.
  • Ivumela okungcono ukuhlolwa kwamakhasimende nokulandelelwa kwazo.
  • Nciphisa izindleko nesikhathi sokulungiselela imibiko yezentengiselwano.
  • Inikela ngokulungileko nangempumelelo ukwenza izinqumo.
  • Thuthukisa isikhundla senkampani phambi komncintiswano namakhasimende.
  • Inikela kakhulu ekwethulweni nase ukuvula izimakethe ezintsha.
  • Futhi, ekugcineni, kuyasebenza uku hlanganisa futhi wandise amakhasimende.

Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana ayi-37, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   Tomas kusho

    I-Factoring iqukethe ukuthengisa izifundo kuma-gazelle ngama- € 50 ngentshebe eyodwa ngaphandle kokuthola inkomba yokuhlaziywa okuyisisekelo.

  2.   Placido kusho

    Nkulunkulu wami, lungakanani ugibe olukhona kwi-inthanethi. Vele, ifilosofi efanayo yendela

  3.   UCarlos ngaphandle kwesibongo kusho

    Bafo, le webhusayithi ayiseyona eyendela. Ngokusho komngani wakhe obekumaqembu akhe eWhatsApp, useyivalile ngemuva kwenkinga nentombi yakhe. Manje endaweni yayo sinale webhusayithi; Mina ngiyayithanda kodwa leso yisinqumo sawo wonke umuntu.

    Mayelana nokwenza amaqiniso, akusikho ukukhwabanisa. Enkampanini futhi kuya ngesimo sini kuyindlela enhle 🙂

    ukuhlonipha,

    1.    engaziwa kusho

      Isizathu sokuthi umonki asinikeze ukuthi kungani avale ibhulogi ngicabanga ukuthi sinamanzi.

      Uthe kwakukhona ukuphawula okubandlulula lapho i-blog inakho konke ukuphawula okuhloliwe futhi unquma ukuthi ikuphi okushicilelwe nokuthi yikuphi okungekho.

      Ngethuba lokuthi ngokuchofoza kusixhumanisi esikule webhusayithi i-elmonjepaciente isiqondisa kabusha kuwebhusayithi enengqikithi yesikhwama, uyazi ukuthi zingaki izivakashi ezizotholwa yile webhusayithi kubantu abanentshisekelo esikhwameni abazama ukungena ku-monkpatciente? Kungenza ngisole.

      Emaqenjini abo, abanye bathi ama-imeyili wokukhangisa ayefika evela kule webhusayithi.

      Konke kuqondane kakhulu, ngiyasola ukuthi lokhu kwenziwa ngamabomu. Izisusa? Uzokwazi, ngineziphetho zami

  4.   engaziwa kusho

    Yini inkinga? Ngabe wayengahlali naye eBulgaria?
    Kwenzekani lapha

  5.   Jose kusho

    Bengihlala ngivakashela ikhasi lakho ngisebenzisa i-AdBlock, bekucaca ukuthi bekungumbhedo wokukhangisa, ipulazi lokuchofoza. Umfana wayefuna nje ukubukwa kwezikhangiso zakhe.
    Ingasaphathwa eyokuthi wayengumqambimanga waze wangabe esakwazi ...

    1.    engaziwa kusho

      Umonki uyakhuluma impela, uqamba amanga ngaphezu kokukhuluma kwakhe. Into eyigugu ye-AZ, umhlangano ne-brufau, amaphothifoliyo aphethe ama-euro ayizigidi eziningana….

      Kuma-webinar ngimbonile ephikisana naye, lapho bengithi ngithi ngithi diego, kuhle ... Umbono wakhe oyisisekelo awumubi neze, kepha uqamba amanga kakhulu

  6.   UMichael Burry kusho

    Nina eningosomabhizinisi nisho iqiniso, lokhu kufakwa kusundu, yebo? Haha salu2

  7.   Alberto kusho

    Ihlazo langempela. Uma ufunda le monk, ngokwami, vele ukhuthaze ukuthi uqhubeke nomsebenzi omuhle obukade ukuthuthukisa.

    Umhlaziyi omuhle kakhulu osisekelo okhombise ngokusobala nangokucacile nangokuqondakalayo kuzo zonke izizathu zokuthi kungani akhethe ukutshalwa kwemali okukodwa. Futhi noma ngabe awukhethanga, futhi wethula nezizathu zokuthi kungani ungatshali imali enkampanini enjalo. Igugu leqiniso.

  8.   utamatisi kusho

    Ngabe baqhuma isikhwama sakho semali?… Akanendaba, akanendaba !!! Lowo okufanele enze izifundo ezi-3, 4 zama-gazelle? Yebo, kunjalo !!!

    Hhayi-ke manje sizokwenzenjani? Lapho sifika epulazini lezingulube sizobamba imali entsha kuzinselo, sidonsa ama-euro wokugcina ama-4, noma yini edingekayo.

  9.   Jose Luis kusho

    Monk, uzibe ama-troll anomona angenalutho olungcono lokuchitha isikhathi sawo. Umphakathi we-b & h unawe.

  10.   i-carmencita kusho

    Kepha yini le fuck. Ngifuna iNdela. Uma ufunda le Monk sidinga incazelo yalokho okwenzekayo.

  11.   Umphumela wokugcina kusho

    Kusasa kuwebhusayithi ye-Poor Sinner, kuzofunwa incazelo ngecala le- "Patient Monk".

    Ingabe uthunjiwe?
    Ngabe isiBulgaria samshiya?

    Zonke lezi zimpendulo nokuningi, kusasa ku-Poor Sinner

    Ungaphuthelwa !!!!

  12.   engaziwa kusho

    Ngiyethemba indela ilungile

  13.   UPedrola kusho

    Monk awuyithengisanga idatha yami angithi? Ama-imeyili aqhamuka kuleli khasi.

  14.   UConchi kusho

    Indela Kwenzekeni?. Kubukeka kukuhle kimi ukuthi uyadela kepha hhayi ngale ndlela. Isitatimende kubhulogi yakho, usishiya izinsuku ezimbalwa bese usivala. Kepha ukuthengisa isizinda ngamadola amabili nedatha yabantu abakulandelayo akuyona indlela yokuziphatha, akuhambisani nalokho abaningi bethu abacabanga ukuthi sikubonile kuwe

    1.    Jose kusho

      Ukuthengisa isizinda lutho. Le truñete inesiginesha efanayo nebhulogi kaSergio.

      1.    Carlet kusho

        Ngiyakuqinisekisa 100% ukuthi abanikazi bale webhusayithi abahlangene nhlobo nendela.

        Kwakumane kungukuqondisa kabusha kwesizinda, akukho okunye.

        Att Carleto,

  15.   Jose Luis kusho

    Ngabe usho ukuthi le webhusayithi kusengokwesindela? Kuyiqiniso ukuthi konke akuvamile

    1.    Jose kusho

      Kepha uma unemikhuba yokubeka imishwana ngokugqamile kuyo yonke indawo ...
      Noma umcabango wokuthi "Yebo, ngokuzimisela nokuzimela, uzobe ulahlekile kakhulu."

  16.   Jose Luis kusho

    Ngakho-ke iphinde ifihliwe? Lo mfana njengoba befunda i-primer wenza isileti esihlanzekile.

    - Ngeminyaka ka-2005-2006 wayene- "HELLBOY boiler" lapho ayezinikele khona ekushiseni uphizi futhi nenqwaba yegacelil yamlandela.

    - Kwathi ngo-2014 ngasetha ibhulogi ethi «Isigodlo Esibekezelayo» lapho exhume khona izinsephe eziningi ngokuzithengisa izifundo nokuzenza zilahlekelwe ngamahembe azo ezenzweni ezimbi ezithengwe ngesikhathi esibi.

    - Manje ungitshela ukuthi naye lo? Qala iphrojekthi entsha?. Abathengisi bentuthu banjalo, kufanele bashintshe ubuwena lapho sebelifundile ikhadi.

  17.   i-carmencita kusho

    Uma leyo nto kaHellboy iyiqiniso, lo muntu wayenefilosofi ephikisana ngokuphelele naleyo ayeyifundisa kamuva.

    1.    Tomas kusho

      Kufana nempilo uqobo. Ifilosofi? Leyo ndoda yazi kuphela ifilosofi ye- €

  18.   Umzuzu wokugcina! kusho

    Indela ibuyile, ukuqinisekisile emaqenjini akhe we-wasap.

    Kusasa wonke umuntu okuwebhusayithi kaPobre Pecador ukwazi imininingwane yokubuyela kwakhe kuwebhusayithi yakhe entsha

  19.   Roberto kusho

    26 imibono? Kunabantu abangu-3 lapha kakhulu futhi ngithatha ithuba.

    1.    Joaquin kusho

      Nginawe uRoberto, abantu abangu-3-4 baziphendula kakhulu.

      Ngakho-ke le mpikiswano yayiyimpikiswano?. HHhawu kodwa ...

  20.   Isoni esibi kusho

    Angazi noma ngizoyishicilela yini indela kusasa, umngani usanda kufika ephethe ibhokisi lama-albariños amasha futhi ngokushisa kwedolobha sengivele ngathola isiyezi ngicabanga nje ngesidlo sangemva kwesidlo

    1.    Isoni esibi kusho

      Troll, eyakho isivele iyangithanda ...

  21.   engaziwa kusho

    Yiluphi iqiniso noma yiluphi ubisi !! Sifuna indela ibuye

  22.   i-manulinx kusho

    Wayecabanga ukuthi ama-web / domain / amaphrofayli akhe ezenhlalo ayegqekezelwe,… kepha uma akwenzile ukuthengisa isizinda / iwebhu / idatha… kuqinisekisa lokho abaningi bethu abakucabangayo ngaye, ukuthi wayengekho / ukolweni ohlanzekile.

    Kuyadabukisa ukubona ukuthi umuntu ongaba yisethenjwa emphakathini (noma ngabe wenza amaphutha kwesinye isikhathi) uyakwenza lokhu ... Kubuhlungu futhi kuyahambisana nebhizinisi lakhe lezingulube. Konke kuhlangana ndawonye manje, isikhathi sibeka wonke umuntu endaweni yakhe.

  23.   engaziwa kusho

    Sifuna ukufunda iNdela

  24.   Jc kusho

    Indoda, noma ngabe ibhulogi yayo ibilusizo noma awubonanga ukuthi ungumlingiswa, ibipipola

  25.   Roberto kusho

    Omunye wabalingiswa abahle ukhohlisiwe umphakathi wakhe, kepha thina esimbonile eza nathi siyaziqhelelanisa naye.

    Ukusho ukuthi umonki akakwamukeli ukuthi bayamphikisa futhi usexoshe ngisho namalungu amaqembu akhe eWhatsApp ngokumtshela amaqiniso amane.

  26.   engaziwa kusho

    ukhohliswe yini?

  27.   engaziwa kusho

    Akusilo iNdela langempela lelo, uthunjiwe !!

  28.   Carlos kusho

    Sawubona, ngithole ukuthi okuthunyelwe kuthakazelisa kakhulu, kepha kusenezinto ezingacaci kimina ngokufaka amafekthri. Ngabe kukhona ongangisiza ??