Ukwehluleka Ukuhlela Futhi Uhlela Ukwehluleka
Hlela ukuhweba bese uhweba uhlelo
Kukangaki sifunda noma sizwa lesi sihloko ngaphandle kokucabangisisa ngencazelo ephelele? Sekuyibinzana elisetshenziswe kakhulu embonini yethu ebanzi kangangokuba abathengisi abaningi, (ikakhulukazi labo abasha embonini), bayehluleka ukubona umthelela ogcwele webinzana noma isidingo sokuba nohlelo futhi ngaphezu kwalokho isici esibalulekile sokunamathela it. Sizonciphisa uhlelo lokuhweba lube sezingxenyeni ezibaluleke kakhulu futhi ezibaluleke kakhulu futhi ezinyaweni ze-athikili kuzoba nokuxhumanisa nethempulethi eyenziwe ngumxhumanisi wami wasembonini, uTim Wilcox, owenza konke okusemandleni ukuzilungiselela futhi yabelana nabanye abahwebi uhlelo oluhle kakhulu lokuhweba. UTim ungeze futhi walucwengisisa lolu hlelo selokhu aqala ukuluqamba ngo-2005.
Izinhlelo zokuhweba ziyimibhalo eyenziwe yaba ngeyakho kakhulu. Lokhu kunganikeza izifanekiso ezihleliwe (ezenziwe abanye) okunzima ukusebenza nazo. Isifanekiso ngokwemvelo siqinile futhi sigxile emibonweni yomunye umuntu, izidingo kanye nezinhloso, ngakho-ke ukuhumusha okwenziwe kwaba ngokwakho. Ngakho-ke kungabeka ukulinganiselwa komuntu kubathengisi. Kungahle kube nezinto ngaphakathi kokubuka kwethu konke, noma ithempulethi yedokhumenti le-PDF, ongafisa ukungazinaki noma ukuzilahla. Kodwa-ke, singayincoma njengendawo yokuqala ikakhulukazi uma umusha embonini yokuhweba. Thatha izingxenye eziyinhloko bese wenza uhlelo lwakho lube ngokwezifiso ukufanisa izinketho zakho. Uhlelo akumele luguqulwe ngenkathi uhweba, kepha kuncike ekuhlolweni kabusha lapho imakethe isivaliwe. Iyakwazi futhi kufanele iguquke ngezimo zemakethe futhi ilungise njengoba izinga lekhono lomthengisi lithuthuka. Umhwebi ngamunye kufanele abhale uhlelo lwakhe, ecabangela izitayela nezinhloso zabo zokuhweba. Ukusebenzisa uhlelo lomunye umuntu akubonisi ukuhweba kwakho, yingakho ithempulethi iyilokho nje, indwangu yezinhlobo zokuthi 'upende ngezinombolo'.
Luyini uhlelo lokuhweba?
Cabanga ngakho njengohlelo lwebhizinisi, singabahwebi abazisebenzelayo abaziqhuba ibhizinisi lethu elincane. Ukube ubungaya ebhange, umbolekisi noma omunye umuntu oxhasa ngemali ngemali yebhizinisi lakho lokuqala elisha, noma ngezinsiza ezandisiwe, ubungeke uthole ukulalelwa ngaphandle kokuthi ubenzele umusa wokunikeza uhlelo lwebhizinisi olunzulu. Ngakho-ke kungani ungasebenzisi lelo zinga elifanayo lokuhlonipha wena nendawo yakho yemakethe? Noma kungani ungazibeki esimweni sombolekisi futhi uhlole ngobuqotho ukuthi uzimisele yini ukubolekisa kumfana ongakhombisanga ukuthi uyena noma cha; uyazi ukuthi umkhiqizo wakhe, imboni yakhe, inezilawuli ezisebenzayo zokuphathwa kwemali endaweni, ingenza ama-akhawunti ayisisekelo..Uhlelo lwebhizinisi kufanele luqukethe izinhloso zakho, izinhloso, izinhloso, kufanele futhi ube nokuqagela, isitatimende senzuzo nokulahleka, ibhalansi lokuvula kanye isimo samanje sezindaba.
Uhlelo lokuhweba lungathathwa njengeqoqo lemithetho elawula imizamo yomthengisi yokuphumelela emabhizinisini akhe amasha, ukuhweba izimakethe. Ingafaka konke lokho umhwebi afuna ukukufeza nokuthi uzozama kanjani ukukwenza kwenzeke. Icebo linikeza umhwebi indlela yokukala ukusebenza kwakhe ngokuqhubekayo, uhlelo lungaqokomisa izigaba ohambweni lomthengisi.
Uhlelo lokuhweba olunzulu lungavumela umthengisi ukuthi enze izinqumo zakhe zishintshe. Ukuhweba kungaba ibhizinisi lebhizinisi elingokomzwelo. Imizwelo ingadala ukulahleka kolawulo, izinhlelo zokuhweba zingasiza ekuqedeni ukwenziwa kwezinqumo ngokomzwelo. Uhlelo lungasiza abathengisi ukukhomba izingqinamba zokusebenza. Isibonelo, uma ukulahleka kutholakala ngaphandle kwesilinganiso namapharamitha achazwe ngaphambili wohlelo lapho-ke kunezizathu ezimbili kuphela ezingaba khona. Uhlelo alulandelwa, noma uhlelo lokuhweba alulungile futhi ludinga ukuguqulwa.
Okuyishumi Kokuyishumi - Izici Eziyishumi Ezibalulekile Kuhlelo Lwakho Lokuhweba
1 Ukuhlolwa kwamakhono; usukulungele ngokweqiniso ukuhweba? Ngabe usuhlolile uhlelo lwakho lokuhweba usebenzisa ama-akhawunti we-demo forex futhi usuthuthukise ukuzethemba okuphelele ukuthi isu lakho liyasebenza?
2 Ukulungiswa kwengqondo; kufanele ulungele ngokomzwelo, ngokwengqondo nangokomzimba ukuhweba ezimakethe. Nakulokhu futhi kuphathelene nokuzihlonipha kanye nokuhlonishwa kwezimakethe okufanele ukwenze ukuze uphumelele. Cabanga ngalabo bantu esibaziyo abakhetha eminye imikhakha yokuphila njengababhali bamanoveli. Bazoqhubeka bengabantu abanesiyalo esikhulu, imvamisa besebenza amahora amade, basebenzela isikhathi esinqunyiwe futhi bangene ngokuphelele kuphrojekthi yabo yakamuva. Noma cabanga ngabaculi abachitha izinyanga besebenza ku-albhamu entsha. Imfihlo yempumelelo ukusebenza kanzima kukho konke ukubonakala kwayo kunoma yimuphi umsebenzi okuwo. Unenhlanhla uma lowo msebenzi onzima uyinto oyithanda kakhulu.
3 Ukubeka izinga lobungozi bakho; nquma kusukela osukwini lokuqala ukuthi uzobeka engcupheni kangakanani ibhalansi yakho yokuhweba ngokuhweba okukodwa. Kufanele ihlukane noma yikuphi ukusuka ku-0.5% kuya kokungu-2% ngokuhweba okukodwa. Ukweqa lelo zinga lobungozi kuwubudedengu futhi akudingekile. Bese unquma ngezinga eliphakeme lokudonsela phansi ngosuku, noma uchungechunge olukhulu lokulahleka okulungele ukubekezelela (ochungechungeni) kunoma yiluphi usuku olunikeziwe ngaphambi kokuvala usuku. Unganquma ukuthi ukulahlekelwa ngamaphesenti amahlanu ngosuku ukubekezelelana kwakho, ngakho-ke kwimodeli yengozi engu-1% kuzodingeka uhlupheke ngemisebenzi emihlanu yokulahlekelwa, mhlawumbe ochungechungeni, ukuze uyeke ukuhweba ngalolo suku. Lezi zinqumo zakuqala zingaba ezibaluleke kakhulu empumelelweni yakho yokuhweba noma ukwehluleka kakhulu kunesu lokuhweba olisebenzisayo.
4 Ukuzibekela imigomo efinyelelekayo; ngaphambi kokuthatha ukuhweba okubangelwe ngokususelwa kusethi yakho, setha izinhloso zangempela zenzuzo kanye nezilinganiso zengozi / yomvuzo. Yibuphi ubungozi / umvuzo omncane oyowamukela? Abathengisi abaningi babheka ingozi engu-1: 2. Isibonelo, uma ukulahleka kwakho kokuma kungama-pips ayi-100 ku- € 100 engcupheni ephelele umgomo wakho kufanele ube yinzuzo engu- € 200. Kufanele uzibekele imigomo yenzuzo yamasonto onke, yanyanga zonke neyonyaka kuhlelo lwakho lwemali noma njengenzuzo ephelele yamaphesenti e-akhawunti yakho futhi uphinde uhlole lezi zinhloso njalo.
5 Ukwenza umsebenzi wesikole; Ngaphandle kwabaqaphi, okungenzeka basenayo 'imizwa' yokuchema okuqondisayo, bonke abanye abathengisi, ikakhulukazi abathengisi be-forex, kumele bazi ngemicimbi efana nokukhishwa komnotho omkhulu. Akunakugcizelelwa ngokwanele ukuthi abadayisi abaphumelelayo bayakwazi kanjani ukufunda ngokwezomnotho. Nasi isimo ongadlala naso, uma umiswe emgwaqeni yintatheli ebuza imibuzo yakho ngezimemezelo ezinkulu zezomnotho zanamuhla, ngokwesibonelo, maqondana neBhange LaseNgilandi lase-UK limemezela umjikelezo wabo olandelayo wama- £ 75 billion wokwehlisa inani, ungakwazi ukuzibamba? Ngabe ungakhuluma kahle ngesimo 'esixhunyiwe' saseGrisi, inkinga ye-Eurozone, ukuthi umthelela wamanani kawoyela nempahla unamuphi umnotho wezomhlaba? Uma kungenjalo udinga ukusukuma ngejubane futhi uthathe lonke ulwazi oludingekayo ukuze uzenzele ulwazi kwezomnotho.
6 Ukulungiselela usuku lwakho lokuhweba; i-PC yakho nokuxhumeka kwakho kubalulekile ebhizinisini lakho, kepha bangaki kithi abasula i-cache yethu noma behlise i-hard drive? Setha isikhathi esijwayelekile sokunakekela ukunakekelwa okuvamile. Noma ngabe iyiphi uhlelo lokuhweba nolweshadi olisebenzisayo, qiniseka ukuthi ulandela inqubo ehleliwe ngaphambi kweseshini yakho, ngokwesibonelo, qiniseka ukuthi amazinga amakhulu wokusekelwa nokumelana ayabonakala, hlola izexwayiso zakho ngamasignali wokungena nokuphuma futhi uqinisekise ukuthi amasiginali akho angabonakala kalula futhi itholwe ngezimpawu ezicacile ezibukwayo nezokuzwakala. Indawo yakho yokuhweba akufanele inikeze iziphazamiso, leli ibhizinisi, futhi iziphazamiso zingabiza. Setha izikhathi zosuku ozohweba ngazo, noma wenze uhlelo lokuthi uma ungumuntu ojwayele ukuhweba noma isikhundla ohlale 'usemlayezweni' usuku lonke. Iningi lethu linama-Smartphones angakwazi ukubhekana namaphethini wokushicilela ayisisekelo futhi bonke abathengisi banamapulatifomu anobungane be-smartphone, ngakho-ke azikho izaba zokungabi sesimweni sokuqapha nokulungisa ukuhweba kwakho.
7 Ukubeka imithetho yokuphuma; iningi labadayisi lenza iphutha lokugxila emizamweni yabo eminingi ekufuneni amasiginali wokuthenga ngokususelwa kusethi yabo kepha banake kakhulu ukuthi baphuma nini, kuphi futhi ngani. Abathengisi abaningi abakwazi ukuthengisa uma ukuhweba okulahlekile, ukuthambekela kwethu ukugwema ukuthatha ukulahlekelwa. Ukuhamba ngokudlule kulokhu kubalulekile ukukwenza njengomhwebi. Uma isitobhi sakho sishaywa, akusho ukuthi 'ubungalungile', esikhundleni salokho thola induduzo ngeqiniso lokuthi ulandele uhlelo lwakho. Abadayisi abangochwepheshe bangalahlekelwa ukuhweba okuningi kunalokho abakunqobayo, kodwa ngokusebenzisa ukuphathwa kwemali ngokuhlakanipha futhi ngaleyo ndlela kunciphise ukulahleka, ekugcineni benza inzuzo.
Ngaphambi kokuthatha ukuhweba, kufanele wazi ukuthi ukuphi ukuphuma kwakho ngqo. Kukhona okungenani amabili kukho konke ukuhweba. Okokuqala, yini ukulahleka kokuma kwakho uma ukuhweba kukuphikisa? Kufanele ibhalwe phansi noma ukufaka ngesandla kwiphakeji lakho lokushadi. Okwesibili, ukuhweba ngakunye kufanele kube nenzuzo. Uma intengo ifinyelela kulokho okubekiwe kungavalwa noma kuthengiswe ingxenye yesikhundla sakho, ungahambisa ukulahleka kwakho kokuma kokusele kwesikhundla sakho ukugqashula. Njengoba kuxoxwe kunombolo yesithathu, ungalokothi ubeke engcupheni ngaphezu kwephesenti elibekiwe le-akhawunti yakho kunoma yikuphi ukuhweba.
8 Ukubeka imithetho yokungena; ukuphuma kubaluleke kakhulu kunokungenayo. Isistimu yakho kufanele ibe 'yinkimbinkimbi' ngokwanele ukuthi isebenze, kepha ilula ngokwanele ukwenza izinqumo ngokushesha. Mhlawumbe udinga imibandela emithathu okumele uhlangane nayo ukuze wenze ukuhweba, uma unezimo ezinzima ezingaphezu kwezinhlanu okufanele zihlangatshezwe (nezinye eziningi ezizithobayo), ungakuthola kunzima ukwenza imisebenzi ethile. Cabanga njengekhompyutha. Ama-HFTs nama-algos enza abahwebi abangcono kunabantu, okuchaza ukuthi kungani cishe u-70% wayo yonke imisebenzi eseNew York Stock Exchange manje seyenziwa ngohlelo lwekhompyutha. Amakhompyutha kanye nesoftware 'abacabangi' noma kufanele bazizwe besesimweni esifanele somqondo ukuze bahwebe. Uma izimo ezinqunyiwe zangaphambili zihlangatshezwa, zimane nje zingene. Lapho ukuhweba kungahambi kahle, noma kushaya inhloso yenzuzo, bayaphuma. Isinqumo ngasinye sincike emathubeni.
9 Ukugcina amarekhodi; Abadayisi kumele babe abagcini bamarekhodi amahle, uma unqoba umsebenzi othile wazi ukuthi kungani nokuthi kanjani, okufanayo kuyenzeka ngokulahlekelwa ngamabhizinisi, ungaphindi amaphutha angenasidingo. Ukubhala phansi imininingwane efana nokuthi; okuhlosiwe, ukungena, isikhathi, ukwesekwa kanye namazinga okumelana, ukuvulwa kwansuku zonke, ukuvulwa kwemakethe nokuvalwa kosuku, kanye namazwana amafushane okuthi kungani wenze ukuhweba kanye nanoma iziphi izifundo ozifundile kungabonakala kubalulekile. Ukugcina amarekhodi okuhweba ukuze ukwazi ukuvakashela futhi uhlaziye inzuzo / ukulahleka, ukudonswa phansi, isikhathi esimaphakathi kwezohwebo nezinye izinto ezibalulekile kubalulekile, lokhu phela ibhizinisi futhi ungumgcini wezincwadi.
Ukwenza okwenziwa ngemuva kokuhlolwa kwesidumbu; ngemuva kosuku ngalunye lokuhweba, ukungeza inzuzo noma ukulahleka kungokwesibili kokwazi ukuthi kungani nokuthi kanjani. Bhala iziphetho zakho encwadini yakho yokuhweba ukuze ukwazi ukuzikhomba ngokuhamba kwesikhathi.
Isifinyezo
Ukuhweba kwedemo okuphumelelayo ngeke kuqinisekise ukuthi uzophumelela lapho uqala ukuhweba ngemali yangempela uma imizwa isithinte ukwenza kwakho izinqumo. Kodwa-ke, ukuhweba kwedemo okuphumelelayo kunika umthengisi ukuzethemba ukuthi uhlelo lusebenza. Ekuhwebeni akukho mqondo wokuwina ngaphandle kokulahlekelwa. Abathengisi abangochwepheshe bayazi ngaphambi kokungena kwezokuhweba ukuthi izingqinamba zibasizile noma abakusethi. Abahwebi abaphumelela njalo baphatha ukuhweba njengebhizinisi. Yize kungesona isiqinisekiso sokuthi uzokwenza imali, ukuba nohlelo kubalulekile uma ufuna ukuphumelela njalo futhi usinde emdlalweni wokuhweba.
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