Yimali nesithakazelo njengoba indlela elilungile kakhulu buthelela imali

Kuleli zwe lanamuhla, abantu ngokuya nabo izikhungo zezimali ezifana namabhange. Ngezinye izikhathi kuziwa umthengi lesikweletu noma ukukhokhela imisebenzi kahulumeni, kodwa kaningi kuyisifiso ukuvula igama abo idiphozi. Kuze kube manje, ukufaka imali ebhange ingenye yezindlela ethandwa kakhulu ukulondoloza nokuqinisekisa ukuzinza yokwanda izimali phakathi kwabantu. Phela, ayikwazi ezifihlile, ukuthi sonke eliqhutshwa amandla nothando lwemali kanye nasezinkingeni ukwandisa inombolo yabo isikhwama yethu. Lena isizathu esiyinhloko uthando sabantu imikhiqizo idiphozi.

Bebhekene okokuqala nge uhlu "eside" ka ezifakwa emabhange kungenziwa kancane udidekile futhi babanjwa, ukuthi iyona engcono kunazo ngempela. Kodwa ngokuhamba kwesikhathi, uqala ukuqonda incazelo yalelo "Ukwenza ofeleba kwezinhloso zenzuzo" imishwana enhle, nokuthi ukhetho best siyolanda iningi imali. Ake sihlolisise ngalesi umqondo.

Yimali ezithakazelisayo - intshisekelo sokubala kwinani idiphozi nge PERIODICITY ezithile kuboniswe esivumelwaneni, futhi umphumela waba ukuthi inani ofake Ekupheleni kweThemu lungaphezu "esakhula." Ngamafuphi - kuba inzalo iphesenti ukuthi umkhakha wezezimali ibizwa ngokuthi "kwakwakhe nesithakazelo."

Uma uthi nhlá, kubonakala sengathi laba kanjani nesandla ofeleba kwezinhloso zenzuzo kuletha ingeniso ethe xaxa. Empeleni, lesi siphetho kuyinto esikhashana, ngoba ngokuvamile isebenza kuphela uma alinganayo yonyaka zenzalo. Yiqiniso, osonhlamvukazi nyangazonke kwezinhloso zenzuzo ikuvumela ukuba uthole ayezolithola iqhathaniswa nezinye izinhlobo ezifanayo idiphozi zenzalo, kodwa ngaphandle ofeleba, bese ugcine imali ngokuxhaphaza sokubala enqwabelene isithakazelo. Futhi kuhle kakhulu umthengi, ngakho kakhulu.

Capital iminikelo manje zigcwalisa lesi siprofetho ngokunikela yonke amabhange, ngaphandle kokukhetha, ngoba lokhu kukhetha ethandwa kakhulu phakathi kwabantu. Ngokwezibalo, eziyisikhombisa kweziyishumi imikhiqizo idiphozi - kuya osonhlamvukazi, umehluko kuphela phakathi kwawo - ukuvama ukubala. Ezidumile ofeleba nyangazonke kwezinhloso zenzuzo, kanye emva kwezinyanga ezintathu. izinkampani ofeleba unesithakazelo engengaphansi kwengu abantu. Phela, uma kukhona imali khulula ejikelezayo, kungani hhayi ukutshala ebhange bese uthola ethile imali okungukuthi ku "umnotho" singaba usizo kabi.

Ekuqaleni, zonke izinzuzo imikhiqizo efana idiphozi kubacacele, ikakhulukazi isivuno ngesikhathi esilinganayo utshalomali kanye nezinga. Kodwa ungakhohlwa ukuthi emihle nemibi kokubili, kunqunywa uma ziqhathaniswa analogue. Isikhathi esining impela, idiphozi nge rate ofeleba kwezinhloso zenzuzo lingaphansi kunalokhu ukuthi kwezinye izimo, usibeka isingaba namalungelo afanayo olunye uhlobo utshalomali. Lokho, umuntu ezimweni zombili ungakhetha amazinga isithakazelo ukuze "kahle" yesibambiso nge ofeleba futhi ngaphandle, kuyoba okufanayo.

Yimali kwezinhloso zenzuzo uyonika ikhasimende imali esiphezulu, uma ukhetha phakathi iminikelo ngezinga elifanayo. Kuphela kulesi simo oyoziletha inzuzo akunakungatshazwa nge-avareji ka-0.5-0.8% ngonyaka. Lokho, yesikhathi eside ezigcine ukwandisa inzuzo kwakwakhe nesithakazelo.

Ngokukhetha umkhiqizo idiphozi kufanele wasondela ngokuhlakanipha, ikakhulukazi uma inani cash ehloniphekile. Kungenye into ukuthola amaphesenti mancane amathuba okuthi $ 10, kodwa kuhlukile uma 1000. Lokhu umehluko okukhulu, futhi akafuni ukulahlekelwa. Ubokhumbula njalo-ke, imithetho ethize elula ukuthi kudingeka ukuba siqondiswe ekukhetheni uhlobo idiphozi.

Yimali kwezinhloso zenzuzo izosebenza ngamaphesenti ayikhulu, uma izinga liyalingana neminye imikhiqizo, ngaphandle kwakwakhe nesithakazelo. Ngakho, ukutadisha imikhiqizo, unake inani eliphelele iphesenti, nosonhlamvukazi. Futhi ungakhohlwa mayelana itemu idiphozi futhi imvamisa kwezinhloso zenzuzo, ngoba lezi zici, imali yokugcina ayixhomekile okungenani phezu ukubheja.

Futhi into eyodwa ngaphezulu, ububi main imali nge kwakwakhe nesithakazelo kuyinto engekho kungenzeka ekunqanyulweni ekuseni. Lokho ufuna ngaphambi kwesikhathi ukuba abuyisele emuva imali yakho, zonke amaphesenti zihunyushelwa ngesilinganiso idiphozi "ngokufunwa". Futhi lokhu eqinisweni ngisho nesenti!

Ukuvula ebhange okokuqala ukucacisa idiphozi elilungile, ungacela abasebenzi ukubala isivuno ozithandayo kakhulu ongakhetha iminikelo. Ngokuvamile, lokhu kukhetha kufanele aqondiswe imigomo yabo, okungukuthi, uma kukhona injongo ukuqongelela imali - isithakazelo ofeleba esifanelana nawe ngokuphelele!