Yeyiphi imiba yorhwebo esiyifumanayo inzima kwaye ngoba?
Njengokuba abathengisi abaninzi beqala ukuziqhelanisa nomsebenzi wabo omtsha wokurhweba baya kudibana neengxaki ezininzi kuhambo lwabo oluya “kukhanyiselo lomrhwebi”. Uninzi lwemiqobo abajamelana nayo lubekwe apho ngokwabo; ukubawa kunye noloyiko zezona zibini zibonakala ngokucacileyo. Kodwa kukho uluhlu lweminye imiqobo abarhwebi abatsha abaza kujongana nayo kwaye kufuneka boyise ukuze bathuthuke. Ukuphelelwa ngumonde ekuqhubekekeni nomsebenzi wabo omtsha onokubangela izinto ezinobungozi ezinokuthi zonakalise inkqubela phambili yabarhwebi, ejijwe ngomngcipheko ogqithisileyo kule cocktail iyingozi inokuhlisa abathengisi kunye neeakhawunti ngexesha lokurekhoda. Uninzi lwezinto zorhwebo esikufumanisa kunzima zinokulungiswa ngokulula ngezikhumbuzo kunye namacebiso ngabacebisi, nangona kunjalo, ezinye azikho lula kangako ukoyisa…
kukubawa
Ukucinezela ukubawa njengoko abarhwebi kungangqina kunzima, ngakumbi xa kuthengiswa abathengisi basendle baya kubona ukuba batyhalelwa kubo ngezibhengezo, okanye kwiiforum zokurhweba, apho abathengisi ngabanye baya kuqhayisa "ngeepesenti ezilishumi zibuya ngosuku". Isizathu sokuba abathengisi bangene kolu shishino kukwenza imali. Akukho bucukubhede okanye ukudibanisa okufunekayo; Abarhwebi bafuna ukuthatha imali eninzi kangangoko kwimarike kangangoko banako. Abazimiselanga kutshintsha umhlaba, okanye benze "okuhle", bakulo ngenxa yezizathu 'zokuzingca'. Kodwa ukubawa okungalawulekiyo kunokuba luphawu olonakalisayo kumrhwebi. Eyona ndlela ilula yokucinezela ukubawa kukuseta iinjongo ezinobunyani kwaye ezibaluleke ngakumbi ezinokufikelelwa.
Mhlawumbi ukukhula kweakhawunti nge-100% (engadityaniswanga) ngonyaka kufuneka kubekwe njengethagethi enokufikelelwa ngumrhwebi kwaye umrhwebi kufuneka ahambe kwinkqubo 'ngasemva' ukuze afike kwelo nani le-100% lokukhula. Umzekelo, abathengisi banokuba neakhawunti eyi- € 5,000, ekujolise kuyo ukuyiphinda kabini. Ke ngoko ukukhula kwe-100% yonyaka kufikelela kwi-8% yokukhula ngenyanga, malunga ne-2% yokukhula ngeveki. Xa abathengisi bekhupha imbuyekezo ukusuka kunyaka ukuya kwinyanga ukuya evekini banokuphuhlisa umbono ongcono wento enokufikelelwa. Kwaye i-100% yokukhula kweakhawunti ayisiyiyo kuphela into ekujoliswe kuyo enokufikelelwa nge-2% yokukhula ngeveki, kodwa yimbuyekezo eya kuthi ibeke abathengisi bafezekise eli nqanaba kude kuninzi loontanga babo abaphulukana nemali ngokungaguquguqukiyo.
uloyiko
Yintoni eyoyikekayo xa sithengisa? Uloyiko okanye ukulahlekelwa yimali, uloyiko lokulahleka ebusweni, uloyiko lokwenza ukhetho oluphosakeleyo, uloyiko lokufaka iinzame ezininzi kwinjongo yethu yokuba lusilele ekugqibeleni? Makhe sijonge ezi zinto zodwa kwaye sizame ukuphelisa uninzi loloyiko. Olunye umthambo ukuze woyise olu loyiko kukwahlulahlula kwaye ujongane ngqo nabo.
Kukho ukuqiniseka okupheleleyo kurhwebo; siza kuphulukana nemali njengabarhwebi. Kumanqanaba ethu ophuhliso, ngeli lixa amava okurhweba amatsha kuthi, oku kungonzakalisa njengoko ingamava amatsha kuthi. Kusenokwenzeka ukuba siphulukene nemali ngaphambi kokungcakaza kwiziphumo zomdyarho wamahashe, kumanqaku omdlalo webhola ekhatywayo, kutyelelo lweendwendwe ekhasino, kodwa asikaze sibeke emngciphekweni imali ngendlela eyiyo ukuze sibone ukuba imali inokubakho khula. Uloyiko lokuphulukana nemali, xa abarhwebi beqala uhambo lwabo, kunokuhlala kukhokelela kwifom 'yokukhubazeka kwabarhwebi' echaphazela kakhulu ukukhula kwethu. Kodwa akukho buso balahlekileyo kurhwebo, nguwe kunye nomthengisi wakho. Iziphumo zakho zezobuqu njengoko ufuna ukuba zibekho.
Ngokubhekisele ekukhetheni ngendlela engalunganga ekwayinxalenye engenakuphepheka kwingxaki yomrhwebi. Abarhwebi benza izigqibo ezingalunganga, ngalo lonke ixesha. Ukuba silungile iipesenti ezingamashumi amahlanu zexesha ebesikhethekile ngalo, abarhwebi kufuneka bayamkele into yokuba ukungalunganga kuyinxalenye yexabiso lokwenza ishishini kweli shishini.
intswela-monde
Akukho ndlela sinokuthi sikhawuleze siye phambili okanye sitsibe iindawo ezithile zophuhliso lomrhwebi kwaye wonke umrhwebi ngamnye uya kuba nexesha elahlukileyo abafunda ngalo. Njengobomi abanye abathengisi banokuba ngabafundi abakhawulezayo, abanye banokuthatha kade. Kodwa yintoni eqinisekileyo kukuba abathengisi abaninzi baya kudinga ukubandezeleka kwaye banyamezele amava athile ukuze babe ngabarhwebi abanolwazi ngokupheleleyo.
Abarhwebi kusenokwenzeka ukuba babonile izikhokelo kunye neengcebiso kwiiwebhusayithi ezahlukeneyo kunye neeforamu ezibonisa ukuba kungathatha ukuya kuthi ga kwiminyaka emine ukuba ube nobuchule kwaye ube nenzuzo, abanye baya kuthi isiqingatha sexesha, njengamava obuqu kakhulu akunakwenzeka ukubeka umlinganiso ukuba uza kuthatha ixesha elingakanani thatha abarhwebi ukuze babe nenzuzo. Kwakhona mhlawumbi kufuneka siye kukungabinamonde kwikona eyahlukileyo kwaye sithathe isigqibo (nje ukuba sizinikele ngokupheleleyo kurhwebo) ukuba sihlale nayo ixesha elide njengoko kuthatha. Kungangunyaka, mibini, mhlawumbi kude kube mihlanu, kodwa into esingazukuyenza kukuncamathisela isikali. Asinakukungxamela la mava obuqu, kwaye uninzi lwabarhwebi abaphumeleleyo baya kuhlala bebhekisa kuqikelelo, baya kuthi mhlawumbi bathethe ukuba "ithathe i-approx. Iminyaka emi-4 ukuze ube nobuchule kwaye ube nenzuzo ”. Abayi kuthetha; Iminyaka emi-2 iinyanga ezintlanu kunye neveki enye.
risk
Kutheni kuthatha ixesha elide ukuba abarhwebi bayamkele loo nto, ukuze baphumelele, ulawulo lwemali lubalulekile? Ngaphandle kwamathandabuzo enye yeenkalo zabarhwebi ifumanisa kunzima ukuba 'iintloko zijikeleze' umngcipheko. Kwaye kuya kubonakala ngathi, nangona kunjalo amaxesha amaninzi abathengisi baxelelwa ukuba mababeke emngciphekweni ngaphezulu kweepesenti ze-akhawunti yabo, ingcebiso ayihoywa. Singayibeka njani ngokuchanekileyo; Ngaba ufuna ukuba nosuku olubi kakhulu kwaye ujonge iakhawunti yakho kwaye ubone ukuba ulahlekelwe ziipesenti ezimbini ze-akhawunti eseleyo, kwaye ngemini elungileyo yokuthengisa kwiintsuku ezimbini ngokulandelelana emva koko unokuzifumana u-2% ulungile, okanye uyafuna yenze ilahleko enkulu kangangokuba iakhawunti yakho ingathatha iiveki, okanye iinyanga ukuyifumana kwakhona?
Sidwelise izinto ezine zorhwebo abathengisi abaninzi bakufumanisa kunzima ukuziqhelanisa nazo: ukubawa, uloyiko, ukungabi namonde kunye nomngcipheko. Abafundi baya kuqaphela ukuba umsonto uhamba macala omane ahlukeneyo; Zonke zinxibelelene kwaye zinxulumene noko. Umyalezo opheleleyo kweli nqaku lolunye lolawulo; lawula ukubawa, uloyiko, ukungabi namonde kunye nomngcipheko kwaye uzinike ithuba elihle lokuphumelela.
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