Ukukhetha indlela yokuthola imali, ukwandisa inzuzo yokukhiqiza noma ibhizinisi, kubalulekile ukucabangela izinketho ezihlukahlukene zokutshala izimali - izindlela zabo, umehluko, amaphuzu amahle futhi amabi. Kuyini ukutshalwa kwezimali, futhi yiyiphi indima yabo emnothweni wezimboni ezihlukahlukene kanye nombuso wonke - indaba ephuthumayo emhlabeni wanamuhla.
Izimali - kuyini?
Njengomthetho, izimali zezimali zimali zokutshala izimali entweni noma ithuluzi ngenhloso yokwenza inzuzo. Uma kwenzeka iphrojekthi yokulahleka, izimali zokutshalwa kwezimali zibuyiselwa ngokweqile kakhulu noma cha. Kuyini ukutshalwa kwezimali? Ukutshala izimali ezinjalo kungabi imali kuphela ngendlela yayo ehlanzekile. Ngokuvamile, lokhu kuyithengwa kwamasheya noma amasheya, ubunikazi bento, ilayisense noma i-copyright, imali, izinsimbi eziyigugu. Ngezinye izikhathi, njengokutshala imali, bafaka imali ku:
- ukwakha kabusha;
- ukulungiswa;
- ukugcinwa noma ukuhlinzekwa kwanoma yini;
- ukwakhiwa okusha;
- imfundo noma imfundo.
Indima yokutshala izimali emnothweni
Kuyini ukutshalwa kwezimali? Ukusetshenziswa kwabo okunengqondo kuvumela ukwandisa izinga lokuthuthukiswa kanye nethemba lazo ezimbonini ezibaluleke kakhulu, ukukhiqizwa noma ezolimo ezweni. Ukutshala izimali kukuvumela ukuthi ulondoloze noma ukwandise inani lemisebenzi, uthuthukise ikhwalithi yemikhiqizo, ubeke inzuzo futhi udale ukugcinwa kwezimpahla zezimali ukuze kuqaliswe izinhlelo ezihleliwe.
Kufanele kukhunjulwe ukuthi akuzona zonke izintshalomali ezizosiza. Ukutshala izimali ebhizinisini elingekho emthethweni, uma kungenakulungiswa futhi izindlela zokukhiqiza zanamuhla noma ezisungulwe ngokuvamile aziletha umphumela oyifunayo. Ezimweni ezinjalo, ukubuyela ekutshalweni kungase kube phansi.
Indlela yokuheha izimali?
Ukutshala izimali eziphezulu kuzohlale kukhangisa kakhulu kubalimi, kodwa kanjani ukufeza umphumela oyifunayo? Kunezici ezithile ezithinta amathuba okuthola iphakethe elidingekayo lokutshala izimali:
- ukuqhuba ibhizinisi elivulekile ngokubika okuqinile kwepulani ehlukile;
- basebenze ekuhleleni izinyathelo ezengeziwe, benze uhlelo lokuthuthukisa, basebenzise imizamo ephakeme yokuhambisana nayo;
- ukuhlolwa okucabangelayo kwemali engenayo kanye nezindleko ezilindelekile;
- ukutholakala kwezincomo noma idumela elihle kumkhakha webhizinisi;
- ukulungele ukubambisana okuguquguqukayo;
- isimo sezomnotho esihle, isimo sezimali sokutshala izimali kanye nokusekelwa kwezwe.
Izinhlobo zokutshala izimali
Ukuqaphela umtshali-zimali wesikhathi esizayo kufanelwe ukuhlukaniswa kwezitshalomali. Kunezinhlobo zazo eziningi:
1. Ngokwemali yokutshala izimali:
- ukutshalwa kwezimali okwesikhashana - isikhathi, ngokuvamile esingaphansi konyaka;
- ukutshalwa kwezimali okuphakathi nesikhathi - isikhathi kusukela ngonyaka owodwa kuya eminyakeni engu-3-5;
- ukutshalwa kwezimali isikhathi eside - ngokuvamile, isikhathi esingaphezu kweminyaka engu-3-5.
2. Ezindaweni:
- ngaphakathi;
- zangaphandle.
3. Izinhlobo zezinto zokutshala izimali:
- Imikhakha eqondile noma engokoqobo eqondiswe ekuthuthukiseni ukukhiqizwa noma ibhizinisi;
- iphothifoliyo noma yezezimali - ngokuletha ngqo inzuzo kumalimi.
4. Uhlobo lokubamba iqhaza kotshalizimali:
- ukutshala imali okungaqondile;
- okunamathiselwe okuqondile.
5. Ngenzuzo:
- ukungabi nalutho, kodwa ukutholakala kwezinzuzo zomphakathi, ezemvelo noma ezinye;
- okuphansi;
- isilinganiso;
- phezulu.
6. Uma ubeka uhlobo lwebunikazi, izimali zingaba:
- angaphandle;
- ihlangene nezinye izifunda;
- okuyimfihlo;
- isimo;
- kuxutshwe.
Izimali - lapho ungatshala khona imali?
Njengomthetho, ukwenza imali ngokutshalwa kwezimali kuyinjongo enkulu yabatshalizimali. Ukuzikhethela kwemboni yezo zimali kungase kuxhomeke ezintweni ezilandelayo:
- izintandokazi zomtshali-zimali;
- isimo sezomnotho kanye nokutholakala kweziqondiso ezithembisayo;
- izici zezimboni noma amabhizinisi esifundeni;
- inani lemali engenayo yamahhala.
Ukutshala izimali ebhizinisini
Abaningi bayazibuza ukuthi bangenza kanjani imali ekutshaleni izimali. Impendulo ingaba yinkimbinkimbi. Isibonelo, uma utshala imali kumaphrojekthi webhizinisi kubalulekile ukucabangela izici eziningi:
- inzuzo yebhizinisi;
- ukuzinza kwayo;
- amathemba okuthuthukiswa;
- izingozi ezingenzeka.
Ukutshalwa kwezimali kumasheya
Uhlobo oluthile lokutshala izimali ukuthengwa kwemali, kodwa hhayi ngaso sonke isikhathi ungakwazi ukufeza umphumela oyifunayo - kunezinye izici zokutshala izimali ezitokisini. Izindleko zabo zingahluka kuye ngokuthi isimo sezomnotho. Ukusebenza kudinga isipiliyoni namakhono. Ukungahleleki kokutshalwa kwezimali kungabonakala ukuthi ekuqaleni inzuzo isakazwa phakathi kwezinhlangano zezikweletu, abasebenzi nabathengisi. Ungakhohlwa mayelana nokulahlekelwa okungenzeka kwenkampani nezinye izingozi zezezimali.
Ukutshala izimali ekuqalekeni
Ngokuvamile, ukutshala izimali kanye nezinqubo ezintsha zihlukaniswa. Njengamanje, kunabathuthukisi abaningi abanamakhono futhi baqala abomabhizinisi, okubalulekile ukuthi bathole umtshali-zimali ozinzile. Akuwona wonke umuntu olungele ukutshala izimali zawo kumsebenzi omusha, ongaqediwe, ngakho-ke kunezingozi ezinkulu zalezi zimali. Ukuze uthole kokubili iphrojekthi yokuqalisa nomtshali-zimali, kubalulekile ukucabangela lezi zingozi kanye nezindleko ezengeziwe ezengeziwe. Kuzoba usizo ukuhlela uhlelo lwebhizinisi kanye nokuqaliswa kwalo okulandelayo.
Invest in bitcoin
Inhloso yabaningi-zimali zimali zokutshala izimali, kodwa akusi njalo njalo ukufeza umphumela oyifunayo. Kuyini ukutshalwa kwezimali ku-bitcoin, futhi yini umehluko wabo ekutshaleni imali ngemali evamile? I-Bitcoin iyi-system yokukhokha ejwayelekile, evame ukuhlobana, okusetshenziselwa ukuhlala kwe-intanethi phakathi kwabadayisi nabathengi, ukushintshaniswa kwezimpahla noma amasevisi. Ngezinye izikhathi kungenzeka ukushintshanisa i-bitcoin ngemali ejwayelekile ngokusebenzisa izinsizakalo ezikhethekile ze-intanethi.
Umbuzo wokutshala izimali ku-bitcoin kuyinkinga, ngoba izindleko zemali enjalo zingashintsha izikhathi eziningana ngosuku. Ngokuvamile, izimali ezinjalo ziyimvelo yesikhathi eside. Kunemibono ukuthi iyadingeka lapho kukhona khona imali ekhululekile. Kukhona izibonelo zombili kokuzuzisa nokungenasiphelo kokutshala izimali ezincane, ngakho-ke ukukhetha kulokhu kuhlala kumtshalili.
Ukutshala izimali ngegolide
Akuvamile ukuthola izimali ngaphandle kwengozi. Ngisho nentengo eqinile yegolide ingashukunyiswa ngenxa yethonya lezimo zangaphandle zomnotho. Kunezinzuzo ezithile zokutshala izimali ezigciniwe zegolide:
- insimbi ayibonakali kakhulu ezintweni zangaphandle, ngakho-ke ingaqhubeka isikhathi eside;
- isitoreji sawo asidingi izimo ezikhethekile;
- Ithonya lezimo zezomnotho ngokubaluleka kwegolide akuyona into enhle kakhulu.
Ukutshala izimali ngensimbi eyigugu kungaba uhlobo lokuthenga izinhlamvu zemali, izingotsheni, imihlobiso, ukuvula ama-akhawunti ensimbi noma ukuhweba ngemali. Njenganoma yiluphi uhlobo lokutshalwa kwezimali, ukutshala izimali ngegolide kuhlanganisa izingozi ezithile okufanele zicutshungulwe uma ukhetha impahla yezimali.
Izimali ezakhiweni
Ukuhamba okukhulayo kokwakhiwa ngokuvamile kuvumela umuntu ukuba abize ukutshalwa kwemali kule mboni enye yokutshala imali okuvamile kwezimali ezikhona. Izinto zokutshala izimali kulokhu - izindawo zokuhlala, izimboni, ukukhiqizwa, izimali zomphakathi. Isitoreji sezindlu yisigaba esithandwayo sokutshala izimali. Futhi lokhu akusebenzi nje kuphela emadolobheni, kodwa futhi nasemaphandleni real estate. Kunezinto eziningi ezibangela ukuthandwa okunjalo:
- Izindleko zamamitha ayisishiyagalolunye esitokisini samakhaya ezinyathelo zokuqala zokwakha ziphansi kakhulu kunezindleko zokuqeda izindlu.
- Izakhiwo ezakhiwe ezakhiwe noma ezingekho zokuhlala zivame ukuqashwa, okuletha inzuzo ethile kumtshali-zimali.
- Njengoba kunezimo zomnotho ezizinzile, izindleko zezindlu zasemakhaya zikhula, ikakhulukazi ezindaweni ezakhiwa yingqalasizinda.
- Izakhiwo zasemaphandleni azivami ukulahlekelwa inani. Isici esengeziwe ekukhuleni kwezindleko zezindlu kungaba yindlela ephakeme yokuhlanganisa izindawo zedolobha nesifunda.
- Ngaphandle kokuqashisa, ukutshala izimali kulayini lwehhotela kuvamile, ikakhulukazi uma isifunda sikhangele izivakashi.
Ukutshala izimali kwezolimo
Njengomthetho, imigomo yokutshala izimali yilezo imisebenzi umtshali-zimali azibekela yona lapho ekhetha into yokutshala izimali. Ngokuvamile lokhu kuyinzuzo yezimali, kodwa ngezinye izikhathi imisebenzi ingaba inhlalakahle yomphakathi noma imvelo. Kuyini ukutshalwa kwezimali kumkhakha wezolimo?
Lokhu kungukutshala izimali zokwakhiwa nokugcinwa kwemfuyo yezimfuyo nezindawo zezimboni zezolimo. Imiphumela yalokho kutshalwa kwezimali ayixhomeke kuphela ekutheni isabelo sabo sisezingeni eliphezulu futhi sinekhono, kodwa futhi nezinhlobo zezakhiwo zezolimo noma izitshalo, isifunda, isimo sezulu nesimo sezulu.
Kunezinye izici zalolu hlobo lokutshalwa kwezimali:
- Isikhathi eside sokulinda inzuzo sincike emibhalweni yokwandisa izitshalo, ukuqoqa, ukuwacubungula nokuwathumela. Isimo esifanayo sisebenza ezikhungweni zemfuyo.
- Izingozi ezinkulu - umthelela ekuvuneni kwezimo zezulu, ukutholakala kwezifo zemfuyo noma izinyoni.
- Isidingo sokuvuselela imishini yezolimo, ukwethulwa kobuchwepheshe obusha ekukhiqizeni kwezitshalo kanye nemfuyo.
Ukuqonda ukuthi yikuphi ukutshala izimali nokuthi lokhu kusebenza kanjani kuyasebenza ukuze kubalwe izindleko ezidingekayo kanye nezinzuzo ezilinganisiwe. Ukukhetha into noma izimpahla zokutshalwa kwezimali, kubalulekile ukucabangela izingozi, izindleko zezimali nezesikhathi ezingase zihambisane nanoma yiluphi uhlobo lokutshalwa kwezimali.