Ndiza kuzama urhwebo lweFX kwakhona kufuneka ndenze ntoni ngokwahlukileyo ngeli xesha?
Kukho i-truism ethile kwi-FX yorhwebo; nje ukuba 'i-bug ikulume' kunzima kakhulu ukujika umva wakho ngokupheleleyo kushishino olubanzi kunye nomsebenzi worhwebo. Nokuba uzame ukurhweba ngeFX kwaye ulahlekelwe yimali kwi-adventure yakho yokuqala (okanye yesibini) uya kuhlala ukholelwa ukuba kwixesha elizayo, kulo mzekelo okwesithathu, kuya kwahluka, ngeli xesha uya kufumana yonke into ngokufanelekileyo. ukusuka ekuqaleni kwaye ekugqibeleni ube yimpumelelo.
Ezona ndaba zimnandi zezokuba awuwedwa, ishishini leFX kunye neshishini lokurhweba elibanzi lizele ngamabali bekunyanzelekile ukuba sisilele kube kanye okanye kabini (okanye amatyeli aliqela) ngaphambi kokuba silunge. Kwaye akukho zindlela ezimbini esizihambayo, ekugqibeleni sibone ukukhanya komthengisi, ziyafana, ngamnye wethu uya kuba nebali lomntu ukuba ekugqibeleni safumana impumelelo.
Kodwa yintoni esinokuyenza ngokwahlukileyo kwithuba lethu lesithathu kunye mhlawumbi lokugqibela ekurhwebeni kweFX eya kwahluka kakhulu kukusilela kwethu okwamkelweyo kwiinzame zethu ezimbini zokuqala? Zeziphi izifundo esizifunde ngokwenene kwiintsilelo zethu ezimbini zokuqala eziya kusinceda ekwenzeni izigqibo ezingcono ngeli xesha? Ngaba sinokuzilungisa ngokulula nangendlela iimpazamo iimpazamo ezikhokelele ekuweni kwethu kwiinzame zethu ezimbini zokuqala?
Ukuphendula le mibuzo yomibini ixesha esilichithe ngaphandle kwemarike liya kuba lisifundise izifundo ezininzi. Siya kwazi ukuba umdla wethu wokwenyani wokubuyela kwishishini ukhona na kwindlela ebesityeke ngayo ngeengcinga zokurhweba xa singekho emarikeni. Ukuba sihlala sicinga ngokurhweba kwaye sihlala sinolwazi malunga nento eyenziwa yimarike yonke imihla esinika umkhondo omkhulu wokuba sikhuthazeke kangakanani na ukubuyela. Akukho nto incinci yokubuyela ekurhwebeni ngengqondo enegazi 'lorhwebo lokuziphindezela'
Andizuyivumela le nto ukuba indibethe
Kufuneka sichonge iimpazamo esizenzileyo kwaye mhlawumbi ngokuphindaphindiweyo, okukhokelele ekungaphumeleli kwethu kwiinzame zethu ezimbini zokuqala zokurhweba. Kufuneka sithathe uphononongo olubandayo kunye nolungenantliziyo lwe-forensic apho sihambe khona. Ngokwenza oko ngokungathandabuzekiyo siya kuzinika ithuba lokulwa ukuze siphumelele kwiinzame zethu zesithathu zokurhweba.
Iindaba ezimnandi ngokwenene kukuba iimpazamo esizenzileyo kwiinzame zethu zokuqala mhlawumbi ziziphoso ezinkulu ezenziwa ngabarhwebi abaninzi kwiinzame zabo zokuqala zokurhweba kwaye babilise kwiindawo ezimbini ezahlukileyo kwaye asixolisi ngokuphinda ezi. Zikunqongophala kwesicwangciso sokurhweba esineenkcukacha kwaye ngaphakathi kweso sicwangciso ukungabikho kwesicwangciso esinolawulo oluphambili lwemali kunye nokulawulwa komngcipheko. Le miba mibini zezona mpazamo zixhaphakileyo esizenzayo njengabarhwebi kunye nezona zilula ukuzilungisa, kangangokuba iyasimangalisa indlela esikwazi ngayo ukuzikhwebula kwizinto ezilula kangaka zokuyilungisa.
Ngaphandle kweeNkosazana ezintathu zokurhweba (indlela yokuseta ingqondo kunye nolawulo lwethu lwemali) zibaluleke kakhulu kwaye zibekwe ngokulinganayo yinkalo yolawulo lwemali kooNkosazana bethu abathathu kunye nesicwangciso sorhwebo esipheleleyo esiya kugxila kuso kwinxalenye yokugqibela yeli nqaku. .
Isicwangciso sokurhweba
Zininzi iitemplates zasimahla malunga nezicwangciso zokurhweba kwaye uninzi lomxholo esifanele siwuqulathe kwisicwangciso sethu sorhwebo ngokungafihlisiyo sinokuthi “ingqiqo eqhelekileyo”. Umzekelo, isicwangciso sinokubandakanya ukuba zeziphi izibambiso esiza kuzirhweba, ngowuphi umngcipheko esiya kuwuthatha kurhwebo ngalunye, ukuba siya kuba yintoni isicwangciso sethu sokurhweba ngokubanzi, ngawaphi amaxesha osuku esiya kurhweba ngalo, yeyiphi i-drawdown esiya kuba nayo ngaphambi kokuyeka. ukurhweba, zingaphi iintengiso ezilahlekileyo kuthotho esiya kwamkela phambi kokuyeka urhwebo, zingaphi iintengiso esiya kuzithatha ngosuku, iveki okanye inyanga. Mininzi eminye imixholo esinokuyiqulatha kwijenali yethu kwaye sinokuthatha inyathelo elongezelelweyo lokunxulumanisa iakhawunti yethu kwenye yeedayari ezininzi kunye neebhulothi zomsebenzi worhwebo phaya.
Ulawulo lwemali kunye nomngcipheko
Njengoko sele sichazile kwisicwangciso sethu sokurhweba isishwankathelo ezinye zezithako eziphambili kwisicwangciso sethu ziyakuchaphazela ulawulo lwemali kunye nomngcipheko njengoko oku kusenokwenzeka ukuba urhwebo lwethu luhambe gwenxa kwiinzame zethu ezimbini zokuqala. Asizange nje sirhwebe ngaphandle kwesicwangciso, siye sahluleka ukuthabatha impembelelo enokuthi ibe nomngcipheko ombi / ulawulo lwemali kwinzuzo yethu ephantsi. Kwaye njengokulula kokuphunyezwa kwesicwangciso sorhwebo ukulungiswa kwemicimbi yolawulo lwemali kuya kuba nefuthe elibi kwindlela esilawula ngayo ilahleko yethu kunye neakhawunti yethu.
Ngaphezu koko, ukuba senza umzamo wokwenene wokulawula umngcipheko wethu kwilinge lethu lokurhweba lamva nje, iinzame zethu zesihlandlo sesithathu ziya kuba lixesha lokuba ekugqibeleni silufumane ngokufanelekileyo njengethiyori kunye nokusebenza ukuba sibeka umngcipheko we-1% kuphela (ye-akhawunti yokuqala. size) kurhwebo ngalunye ke kuya kufuneka sibe nothotho lwe-100 ezilahlekileyo zorhwebo ukuze zicinywe kwaye eso siphumo sinokwenzeka sisiganeko esinqabileyo kangangokuba sinokusigxotha.
Ukulawula umngcipheko wethu kunye nokwenza iiparamitha zethu zomngcipheko kwisicwangciso sethu sorhwebo ngaphandle kwamathandabuzo amabini amayeza abalulekileyo esinokuwathatha ukunyanga iimpazamo zethu zangaphambili zorhwebo. Ukujongana nale miba mibini ilula, njengoko besichazile, kulula kakhulu ukuyilungisa kunokuba uninzi lwethu lunokuqonda. Ukuthatha ulawulo kubo ngoku kufuneka kuqinisekise ukuba ixesha labo lesithathu linethamsanqa kwishishini lethu lokurhweba kwaye isihlandlo sesine ukujikeleza akufuneki kube yimfuneko.
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