Ukubaluleka kwesiguquli semali
Izinga lokushintshanisa laziwa njengesilinganiso lapho imali ethile ingashintshaniswa noma ithengiswe kusetshenziswa enye imali. Kukhona abantu abasebenzisa isiguquli semali ukuze bakwazi ukugcina ithrekhi yamanani abawashintshayo ngendlela elula nehlelekile.
Kulezi zinsuku, kukhona abaguquleli abaningi bemali abangatholakala ku-inthanethi abanokuguqulwa kwesikhathi sangempela kwezimali ezahlukahlukene. Lokhu kwenza kube lula kubadayisi bezimali bakwamanye amazwe ukuthola isilinganiso esisebenzayo okufanele ngabe basilindele ekupheleni kosuku lokuhweba. Lapho uhlola amazinga wokushintshaniswa, kubalulekile ukwazi izinketho ezahlukahlukene umuntu anazo ngaphambili futhi ekugcineni enze ukuhweba.
Sebenzisa isiguquli semali kulula ukwenza nokuqonda. Lezi zinguquko zilusizo kakhulu ngoba zingakhombisa ukwehla kwamazinga ngesikhathi sangempela. Uma kukhulunywa ngokushintshaniswa kwamanye amazwe, abantu kufanele bathole inketho engcono kakhulu etholakalayo yabo. Icebo ngalinye namasu okushintshaniswa kwamanye amazwe anezinzuzo nezingozi zawo, ngakho-ke abantu abafisa ukuguqula imali yabo bayenze imali eyodwa bayise kolunye kufanele bazi kahle ukuthi ubani ongabanikeza amanani angcono kakhulu nokuthi yini ezoba usizo kakhulu yabo. Ipulatifomu ngayinye yokuhweba ngokushintshaniswa kwamanye amazwe inesiguquli sayo semali futhi ingahle ibeke nezimali ezengeziwe kubantu abashintshanisa ngezimali, ngakho-ke kungcono ukuzazi lezi zinto.
Uma kukhulunywa ngokushintshaniswa kwamanye amazwe, yonke inkampani, iqembu, noma umuntu ozinikele enqubeni yokuthenga nokuthengisa imali unomgomo owodwa: ukuzuza inzuzo ngesikhathi. Kungakhathalekile ukuthi isiphi isiguquli semali esisetshenziswa ngabantu, bazohlala njalo bethola izindlela zokuthola inzuzo ephezulu kakhulu ngokushintshisana. Kuphelele enkampanini ukubeka imali yabo yokuguqula. Kukhona ukuthengiselana okuthile okungahle kukhokhele imali ebiza kakhulu, kuyilapho kukhona okunikeza okufanayo ngemali ephansi kakhulu. Kulabo abazohamba, kuyinto ehlakaniphile ukubheka izinketho ezahlukahlukene zokushintshaniswa kwezimali abanakho ngaphambili.
Kuze kube manje, kunezindlela eziningana zokuthi abashintshi bemali bangaphandle bangazama kanjani ukuthola inzuzo lapho benza ukushintshana. Laba bashintshi bemali kufanele baqiniseke ukuthi bakhokha izindleko zangempela zokwenza ukushintshaniswa kwemali, kepha futhi kumele baqiniseke ukuthi bashiya umkhawulo othile futhi ochazwe kahle ukuze bagcine ibhizinisi labo liphila futhi lisebenza. Abashintshi bemali bavame ukuhlanganisa imali ekhokhwayo yesevisi namanani okushintshana ukuze kuqinisekiswe ukuthi bangenza inzuzo engaguquguquki ngaso sonke isikhathi lapho benokuthengiselana.
Akunandaba noma ngabe yiluphi uhlobo lokuguqula imali olusetshenziswa umuntu, izinkampani zokushintshaniswa kwamanye amazwe noma abashintshi bemali bazohlala bezama ukwenza inzuzo ngokushintshana kwabo. Abashintshi bemali nabo bazothola isinxephezelo sabo kumanani okushintshana akhona. Kubalulekile ukuthi umuntu aqonde ukuthi lokhu kushintshaniswa kubalwa kanjani, ukuze abathengisi ngabanye babe nethuba lokuqhathanisa amanani ahlukene futhi bakwazi ukuthola amadili amahle kakhulu wokushintshaniswa kwemali yabo yangaphandle. Enye yezinto ehlakaniphe kakhulu ongayenza kungaba ukugcina amarisidi akho konke okwenziwayo ukuze aqhathaniswe - lokhu kuyadingeka ekusebenzelaneni okuzayo.
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