Imisebenzi yemali kanye nezinhlobo zemali

Imali iyindlela yokuveza ukubaluleka kwezimpahla nezinsizakalo ezikhona namuhla emhlabeni wethu. Le ncazelo isekelwe kwimibono yentengo, evame kakhulu kwisayensi yomhlaba.

Omunye angabuye ahlole omunye umqondo, ngokusho ukuthi iyiphi imali eyisiketshezi sokushintshanisa ngokuphelele. Unayo izimfanelo ezimbili:

• ukushintshaniswa nganoma yimuphi umkhiqizo;
• bayakwazi ukushintsha inani lomkhiqizo.

Okuyisisekelo somsebenzi nezinhlobo zemali

Ingqalasizinda yemali ingumsebenzi wabo oyisisekelo.

1. Linganisa izindleko. Kunqunywa ngokusebenzisa intengo ngayinye uhlobo lwezimpahla futhi kulinganiswa ngokwemali. Njengezinyathelo zamanani, imali ingasebenza ngisho nezibalo.
2. Kusho ukujikeleza. Njengoba uqonda, ukubaluleka kwezimpahla akusho ukuthengiswa kwayo emakethe. Ngaphambilini lapho umnotho ungasetshenziswanga kahle, imali yanikezwa ngokushintshaniswa kwesamba esithile sempahla ethile. Manje ngokuvela kwemali mboleko, umsebenzi wezinto zokukhokha ufika phambili.
3. Izinkokhelo zokukhokha. Okubalulekile kwalokhu mqondo ukuthi isikhathi sokuthenga kwemikhiqizo noma amasevisi angeke sihambisane nesikhathi sokukhokha kubo, ngoba ukuthengwa kungenziwa ezithoweni noma esikhwameni.
4. Kusho ukusindisa nokuqoqa. Benza njengendawo yokugcina imali.
5. Imali yomhlaba. Idalwe ukusetshenziswa ezindaweni zokuhlala.

Izinhlobo zemali nezici zazo

Kunezinhlobo eziningana eziyisisekelo zemali.

1. Imali yangempela - inani labo elikhethiwe lihambisana nenani labo langempela, okungukuthi, izindleko zezinto abazenza kuzo. Lapha sibheke engqondweni yezinto zensimbi ezivamile kakhulu, ezenziwe ngegolide noma zesiliva. Isici semali yangempela ukuzinza kwabo, okuqinisekiswe ukushintshaniswa kwamahhala wezimpawu zenani lemali yegolide.
2. Ama-substitutes of money real - inani lemali yabo yokuphakanyiswa liphakeme kuneloqobo, okungukuthi, inani labo lilingana nomsebenzi womphakathi owenziwe ekukhiqizeni kwabo.

I-essence kanye nezinhlobo zemali yanamuhla

Izinhlobo zanamuhla zemali - lezi yizinto ezibonakalayo ezisivumela ukuba sithenge izimpahla nezinsizakalo ezweni lanamuhla. Muva nje, imali ye-elektroniki nayo ifakiwe kule fomu. Zigcinwa emabhankeni e-electronic futhi zivumela abanikazi bazo ukuba bakhokhele ukuthenga kwabo kwi-intanethi.

1. Imali yephepha - abameleli bemali yangempela. Zenziwe ngephepha elikhethekile futhi zikhishwa yi-state, noma kunalokho umgcinimafa wombuso ukukhokhela izindleko zabo.
2. Imali yemali-mboleko - yabonakala mayelana nokusebenza kwemali ngomsebenzi wezinkokhelo zokukhokha, ngenkathi kuthuthukiswa ubudlelwane bemali yezimpahla, ukuthengwa nokudayiswa kwaqala ngokukhokhelwa ngezitolimende noma esikhwameni. Ngamanye amazwi, lena yimali engakhokhwa ebhange noma ezinye izakhiwo zezezimali. Iqiniso liwukuthi, ngenxa yenzuzo yokukhipha izikweletu ezithathwe ngale ndlela kuyoba nzima kakhulu.

Izinhlobo zemali - yizinhlamvu zemali kanye namabhange, ngamanye amazwi, imali ongayithinta ngokuqondile futhi uyikhokhe esitolo.

Izinhlobo zemali yamaphepha

Imali yephepha iphinde imiswe, njengoba sekushiwo kakade, ngendlela yama-banknote. Kunezinhlobo eziningi zemali yamaphepha, phakathi kwazo okungukuthi:

• I-Euro;
• I-rubles;
• Amadola;
• Amakhilogremu amahle kakhulu, njll.

Imali yephepha iphethe imisebenzi emibili:

• izindlela zokusakaza;
• izindlela zokukhokha.

Izinhlobo zemali ezingenasici

Imali engenamaphutha iyisibonakaliso sokubaluleka. Balahlekelwa yimpahla yabo futhi abanalo inani langaphakathi. Ngokungafani nempahla yezimali, izindlela ezinjalo zezinto ezibonakalayo azikwazi ukusetshenziselwa izidingo zabathengi. Naphezu kwezindleko ezinkulu ezidinga ukwenziwa kwemali yonke engaphansi kwezimali, izindleko zokukhiqiza, ngayinye iyunithi yezimali yamaphepha ayibalulekile kakhulu, futhi ngenxa yalokho ayinakuqhathaniswa nokuqhathaniswa nenani layo elilinganiselwe.

Ngakho-ke, sibheke izinhlobo zemali nemali, futhi njengoba kwenzeka isigaba sabo akulula njengoba kubonakala ekuqaleni. Umuntu angasho ngokuqiniseka nje into eyodwa kuphela: "Izwe lilabo abanemali."