Ngaba ukuthengisa idemo kuyindlela elungileyo ngaphambi 'korhwebo lokwenyani' kwaye ukuba kunjalo ngalo liphi ixesha sishenxa kurhwebo lwedemo?
Zininzi izixhobo eziluncedo ezikhululekileyo ezisetyenziswa ngabarhwebi bakho ezihlala zisetyenziswa kancinci, zisetyenziswa gwenxa, okanye zingahoywa kwaye iakhawunti yedemo yenye yezi simahla. Ayisetyenziswanga kangako kuba abathengisi abaninzi abanomonde kakhulu ukuba bathuthele kurhwebo lokwenyani kwaye ngenxa yoko basebenzise idemo ixesha elifutshane ukuya ekurhwebeni ngenene. Isetyenziswe gwenxa njengoko abathengisi abaninzi besilela ukuqonda ixabiso lokwenyani leakhawunti yeedemo ukuba zisetyenziswe kakuhle; kungoko basebenzisa kakubi iiakhawunti becinga (ngokungachanekanga) ukuba ayinamsebenzi njenge “ayisiyonyani imali”. Kwaye okokugqibela ityeshelwa nje njengenketho kunye nabarhwebi abaninzi abasileli kwaphela ekuqondeni amaxabiso amaninzi angaqondakaliyo kwaye angacacanga amaxabiso edemo iiakhawunti kunye nokuthengisa ngeedemo kunokuba ngaphezulu kwendawo ebonakalayo yokuba nendawo yokuziqhelanisa norhwebo.
Ukurhweba ngeakhawunti yeedemo kunceda abathengisi baziqhelanise namaqonga wabarhwebi
Ukuba umtsha ekurhwebeni ke ubunzima beli shishini bunokuba nzima ngamanye amaxesha. Kulula kakhulu ukukhumbuza kwaye ucinge ngasemva (ukusuka kwindawo yempumelelo kunye namava) ukuba zonke izakhono esizifunayo ukuze sikwazi ukurhweba ngempumelelo zeza ngokulula nathi. Nangona kunjalo, inyani kukuba inkqubo yokufunda yayolulwa ixesha elide. Sele sizilibele uninzi lweempazamo esizenzileyo kwaye oku kuphambi kokuba sixoxe ngokuziqhelanisa neqonga elitsha ngokupheleleyo.
Nokuba singabarhwebi abanamava, sithathela ingqalelo ukuhambisa iiakhawunti zethu zisuka kumthengisi wethu wangoku siye kumrhwebi omtsha, kufuneka siqwalasele ukusebenzisa uhlobo lwedemo lwamaqonga okwenyani ngaphambi kokurhweba ngemali yokwenyani. Xa sele uqhelene kakhulu neqonga lomrhwebi othile kusengathatha ixesha ukuziqhelanisa neqonga elitsha kwaye ezinye zeempazamo ezisisiseko esinokuthi sizenze zinokubiza kakhulu ukuba siyasilela ukufunda indlela izinto ezenziwa liqonga elitsha. Kuninzi okunokufundwa, ukusukela ukwenziwa kwee-odolo kunye nezakhono ezisisiseko zolawulo, kulwakhiwo ngokubanzi kunye 'nokuziva' kweqonga elitsha.
Iindlela zokuvavanya ixesha elide kunye neendlela zokuvavanya ngelixa uthengisa bukhoma
Ukuba singumrhwebi omtsha, okanye umrhwebi ophumeleleyo nonamava onqwenela ukuvavanya izicwangciso ezitsha, ke amaqonga edemo anokungqina ukuba axabisekile nje ukuba sihlala sisenakho ukusebenzisa iqonga lethu lokuthengisa ngokufanelekileyo. Uninzi lwabarhwebi luya kuba nokungazinzi kunye nomnqweno wokuqonda babenorhwebo kwaye bayakuhlala bekhangela uphuculo oluncinci kunye nohlengahlengiso kwisicwangciso sabo sangoku. Okanye ujonge ukubona ukuba indlela eyahlukileyo yokurhweba inokusebenza ngokuchasene nale bayisebenzisayo ngoku. Umzekelo, sinokuba luvavanyo olunobunkunkqele lokujonga ubuchule bokuqhuba ubuchule bokurhweba ecaleni kwendlela yethu yokuhambisa, okanye sinokuba ngumrhwebi ophumeleleyo ujonge ukujonga ukuba ngaba ulungelelwaniso oluncinci apho sibeka khona iiodolo zethu; amangenelo, thatha ii-odolo zomda wenzuzo kunye nokumisa, kuya kuba nefuthe lokwenyani kumgca wethu osezantsi. Kuzo zombini iimeko iiakhawunti zedemo zinokubonisa ukuba zibaluleke kakhulu.
Yiya kuphela xa sele sinerekhodi enzulu yenzuzo kwiakhawunti yethu yeedemo ngaphezulu kweeveki okanye iinyanga, ungaphelelwa ngumonde
Ukurhweba kwidemo akusilungiseleli kwicala lokurhweba ngokungakhathali nokuba sithatha ngokungathí sina kangakanani ukurhweba kwethu kwesimo sedemo kwaye sinembeko kangakanani kuyo, ngasemva kweengqondo zethu siyazi ngokwemvelo ukuba akukho 'mali isemgceni '. Ngelixa sisenako ukuxelisa ezona ndlela zokurhweba sizisebenzisayo kwidemo 'kwilizwe lokwenyani lokurhweba' kwaye sithathe ukwaneliseka ekwenzeni umsebenzi ngokuchanekileyo, ngokulandela isicwangciso sethu sokurhweba kwimowudi yedemo ngokuchanekileyo, akukho nto inokusilungiselela ukubonakaliswa ngokweemvakalelo okwenyani. urhwebo luhlangula. Ngokuqinisekileyo, imiceli mngeni yeFX kunye nolunye uhambiso lwentengiso lukhethekile kwaye kunzima ukuphindaphinda kuwo nawuphi na omnye umsebenzi. Kananjalo kufuneka sigcine engqondweni ukuba naxa 'sihamba siphila', iimvakalelo esizifumanayo phakathi xa kuthengiswa iakhawunti eyi- $ 25 kunye neakhawunti eyi- $ 25k iya kwahluka ngokupheleleyo. Ke ngoko kuhlala kucetyiswa ukuba uthathe amanyathelo omntwana kwilizwe lokurhweba ngokwenyani emva kwedemo kunye nokuthengisa amancinci / amancinci amancinci xa kuthelekiswa namaqashiso apheleleyo ekuqaleni.
Ukuyigcina iyinyani, ungahlali 'kwidemo-yomhlaba' ixesha elide
Ekugqibeleni ngokurhweba ngeedemo siyathengisa kwimarike eyenziweyo engenzi njengeyona ntengiso yokwenyani. Nokuba umthengisi uyimisa njani iakhawunti yedemo ukuze ihambelane kunye nesibuko sendawo yokurhweba yokwenyani amathuba kukuba iakhawunti yedemo ayizukusebenza njengeakhawunti eqhelekileyo. Ngaphaya koko, indlela esiziphatha ngayo kunye nesimo sethu sengqondo kwiakhawunti yedemo ayizukulinganisa indlela esenza ngayo ngokwenyani. Ngelixa sisazi ukuba akukho ntlungu xa siphulukana neqonga lokuthengisa idemo, akukho nto isifundisa isifundo ngokukhawuleza kunokulahlekelwa yimali ezinkozo kwaye ngandlela thile sikhawuleze ukuya kule meko ngcono, kodwa kuphela ukuba siqinisekile nge-100% Isicwangciso sethu sokurhweba kunye nesicwangciso sokurhweba.
Zama ukwenza iakhawunti yedemo ixelise inyani yethu
Xa sivula iakhawunti yethu yedemo siya kunikwa ukhetho oluthile ngokubhekisele kwixabiso lokurhweba esinokulisebenzisa, ngokubanzi ukusuka kwi-10K ukuya kwi-100K. Akukho nto incinci kakhulu ekukhetheni isixa sokurhweba sama-50K ukuba siza kuthengisa nge-10K nje ukuba sikulungele ukuphila. Kuya kufuneka sisebenzise iakhawunti yedemo ukuphinda-phinda kangangoko ixesha lokurhweba elicinga ukuba lenzeke kangangoko kunokwenzeka. Ngale ndlela siza kwenza inyathelo elinye kuphela kurhwebo lokwenyani, ukurhweba ngemali eyiyo. Olu tshintsho luya kuba lula kakhulu ukuba sinento enye yokugxila kuyo ngokupheleleyo.
Ukwenza inzuzo kwidemo akuqinisekisi ngenzuzo efanayo ngeakhawunti yokwenyani
Imakethi ayikhathali ukuba siphumelele kwaye sinenzuzo emva kuvavanya isicwangciso-qhinga sethu emva kweminyaka emithathu kwidemo, okanye ukuba sidlulisele kuvavanyo kwiimeko 'zokuphila' qhinga lethu lokurhweba iiveki ezintandathu okanye iinyanga kwaye safumanisa ukuba sinenzuzo kwaye iyasebenza. Nje ukuba sihlale kwaye sithengise ngemali yokwenyani (nangona ithobekile ekuqaleni) imakethi inokutshintsha kwaye yenze ngesiquphe ibrake handbrake ijike isenze sizinze ngokupheleleyo kuthi nakwisicwangciso sokurhweba. Ngamafutshane, njengoko uninzi lwethu olunamava luza kungqina, akukho nto iqinisekisiweyo kolu shishino ngaphandle kokungalindelekanga. Ukuvavanya iinkolelo zethu kwiiakhawunti zethu zedemo ngaphandle kwamathandabuzo kuya kusenza sibe ngumrhwebi ojikelezayo kunye nobungcali, ayizukuqinisekisa impumelelo, nangona kunjalo, ukunyangwa kunye nokusetyenziswa ngokuchanekileyo kweeakhawunti kungabonakalisa ukuba sisixhobo esixabisekileyo kwindawo yokugcina izixhobo simahla umnikelo ovela kumthengisi wethu.
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