Lungiselela iindleko ezingalindelekanga kunye namazinga angcono
Siza kulandela imizekelo enemifanekiso engezantsi, kodwa ingcamango engemva kwe-CD yinqanaba kukuba uthenga ii-CD ezininzi ngeentsuku zokukhula ngexesha elizayo kwixesha elizayo.
Iinzuzo zeeLadders zeCD
IiCD ziza kunye nezicwangciso eziqhotyoshelweyo: Umele ulinde ade i-CD ikhule ngaphambi kokuba uphume imali. Ukuba uhoxisa iimali kwangaphambili, uya kuhlawula isigwebo- mhlawumbi ngaphezu kokuba ufumene inzala. Ungathenga "ii-CD" ezikuvumela ukuba uhoxise iimali nangaliphi na ixesha , kodwa ezo mveliso zihlala zihlawula ngaphantsi kwamaCD.
Ikhefu leCD yindlela elula yokulawula imingeni yokutshala imali kumaCD.
Ufuna imali: Ukuba ufuna imali kwi CD yakho, unokuba ungalindelanga ixesha elide ukuba usebenzisa i-ladder. Enye yeCD yakho kufuneka ikhule ngokukhawuleza-ukubonelela ngemali yecala ngaphandle kwesohlwayo-kwaye sinethemba lokuba awuyi kuyidinga yonke imali yakho kanye.
Ukutshintsha kwamaxabiso omyinge: Xa utyalo imali kumaCD, uhlala unamathele kwisantya somdla xa uthenga i-CD. Xa amaxabiso aphakamileyo, asebenzayo kuwe, kodwa kulubuhlungu ukubona amaxabiso aphakama emva kokuba uvale kwisantya esincinane.
Ngendlela yeCD, uya kuqhubeka uvuselela ixesha, ngoko uya kuhlaziya isantya sakho ngexesha.
Example Ladder Example
I-CD yesiteji luhlu lweCD ezimiselwe ukukhula ngexesha elide. Ngokomzekelo, unokuba ne-$ 10,000 ukutyalomali kwi-CD, kodwa awufuni ukubambelela kwiirhafu zanamhlanje okanye ukubopha yonke imali yakho iminyaka emininzi.
Ungakha isiteli usebenzisa indlela elandelayo:
- I-$ 2,500 iyena kwi-CD yonyaka omnye.
- I-$ 2,500 iyena kwi-CD yeminyaka emibili.
- I-$ 2,500 idlulela kwi-CD yeminyaka emithathu.
- I-$ 2,500 idlulela kwi-CD yeminyaka emine.
Unyaka ngamnye (uqala emva kwe-CD yeminyaka elilodwa ukukhula), ujikeleza imali yakho yokukhula emva komda wokude kwelo nqanaba. Ukuqhubeka nomzekelo ongasentla, i-CD yokuqala yeminyaka emibili inomnyaka owodwa ushiywe kude kufike ukukhula, i-CD yokuqala yeminyaka emithathu idlulileyo iminyaka emibini, kwaye njalo njalo. Ukuze ubuyele kwisakhiwo sakho sokuqala kwesebe, kufuneka nje ukufaka i-CD yeminyaka emine. Unyaka ngamnye, umjikelezo uyaqhubeka, kwaye unokuphinda uphinda ulandele inkqubo (ukongeza i-CD entsha yeminyaka emine ekupheleni kwezinga lakho).
Umzekelo ongentla ungumlinganiselo olula, kodwa unokuba nzima ngakumbi xa ufuna - ukongeza iiinyanga ezili-6 okanye ii-CD ezide. Nangona kunjalo, ukugcina i-ladder kuba nzima kunokuba ungeze ubunzima. Unokuba nexesha kunye nomnqweno wokwakha inqanaba elincinci ngoku, kodwa izinto zingatshintsha kwixesha elizayo.
Ubude be-CD
Ixesha lakho le-CD kufuneka lihambe kangakanani? Kuxhomekeke kwinto ozama ukuyifeza. Uninzi lwabantu luya kumithathu kwiminyaka emihlanu. Ii-CD ezinamaxesha amade zihlawula amaxabiso aphakamileyo kuba uthatha inqanaba elincinci lomdla kunye nobungozi bokungcola, ngoko-ke i-CD ephezulu ilindele ukufumana enye encinane.
Oko kwathiwa, ukuba ubeka i-ladde lexesha elide ngelixa ixabiso lentengo liphantsi, unako ukufumana imali encinci ukuba amaxabiso aphakame ngokukhawuleza - kuxhomekeke kwithuba lakho kunye nekamva elizayo.
Ukuhamba ixesha elide, kufuneka ukhululeke ngokuvala imali. Kwiinjongo zexesha elide, kulungile ukuthetha noMcwangcisi wezeMali oqinisekisiweyo ukuba uhlole ukuba yeyiphi isicwangciso sangexesha elide ukulungelelanisa iinjongo zakho.
Kude Kangakanani?
Kwakhona kufuneka unqume ukuba ubude obuhlukeneyo bunjani. Ngaba kufuneka usebenzise ii-CD zenyanga ezintathu okanye iiCD zama-CD? Uninzi lwabantu luhlala ezinyangeni ezintandathu okanye unyaka owodwa kumanqanaba eCD. Ukuba uhamba naluphi na umncinci, i-CD yezinga liba yiprojekti ephezulu yokulondoloza (kwaye ungekho amathuba okuqhubeka uqhubeka). Nangona kunjalo, unokufumana ubuchule kunye namanqanaba eCD ukufezekisa nayiphi na injongo. Ngokomzekelo, unakho ixesha elifanelekileyo lokulinganisa iindleko eziqikelelweyo ezifana neentlawulo zezifundo.
Xa i-CD Ladders ibonakalisa i-Challengeing
Iimodeli ze-CD zinokukunceda utyalomali kumaCD ngenkathi ulawulo lweengozi zeendleko ezingalindelekanga okanye ukunyuka kwamaxabiso. Nangona kunjalo, kukho iimeko ezininzi xa zilungele ukuphepha.
Ukusetyenziswa kwexesha elifutshane: Ilayithi yeCD yiprogram yexesha elide. Ukuba awuyi kubambelela kwinkqubo, kunokukho iindlela ezingcono. Ukuba ucinga ukuba kuya kufuneka udibanise i-ladder kwaye ukhiphe imali, nayiphi na isohlwayo sokuthoma i-penalty engaphezulu kunokususa intshisekelo eyongezelelweyo oyifumanayo. I-akhawunti yokulondoloza okanye i- akhawunti yemarike yemali iya kuba yimbi kwaye ivumele ukurhoxiswa kwehlawulo.
Iimali ezihambayo: I-CD ephezulu ikuvumela ukuba ugweme ukwenza izibikezelo malunga nokunyuka kwezinga lentengo-nokuba kukho na ireyenti, yiloo nto uza kuqala ukuyifumana. Nangona kunjalo, ukuba unako ukuqikelela ukuba amaxabiso ayeza kusukuma, unokuhlawula ukulinda ekwakheni i-ladder okanye ugcine ukukhula kwixesha elifutshane. Ngokufanayo, ukuba uyazi ukuba amaxabiso ayeza kuwa, i-ladder ejongene nokukhula kwexesha elide kunokuba lunengqiqo.
Ingongoma yokusebenzisa i-CD yamanqanaba kukuphepha ukucinga ngalezi zinto, kodwa kunokufika ixesha apho unokuqikelela ngokucacileyo ukuba yintoni amaxabiso e-CD enzala.
Eminye indlela eya kwii-CD Ladders
Ukuba unquma ukungawusebenzisi i-CD yesiteji, ungayifaka phi enye imali?
Iingxelo ezithengiweyo eziphezulu: I- akhawunti yokulondoloza ingaba yinto efanelekileyo. Iibhanki ze-Intanethi zingahlawula ngokubanzi njengamaCD, kwaye iakhawunti yemarike yemali ingaba ngumgangatho ophakathi phakathi kwama-CD kunye ne-akhawunti yokulondoloza. Unokujonga kwakhona 'imivuzo' okanye inzala yokujonga i-akhawunti , ehlawula umdla omkhulu kwi-cash cash. Ingxaki ngala maqhinga kukuba awufumani ixabiso eliqinisekileyo. Amanani omdla aya kuguquka, kwaye xa behla, mhlawumbi unokuba ngcono kwi-CD.
Isicwangciso sobuqili: Ukuba uyazi ukuba uza kuyidinga yonke imali yakho kumaCD kwaye awufuni ukuqhuba ibhayisikili, isicwangciso sotyalo-mali senkunzi singasebenza kuwe. Ukusebenzisa le ndlela, thengisa onke amaCD akho ukuze aqokelele ngexesha elifanayo. Unokuthenga ii-CD kwixesha leminyaka emininzi, kodwa uya kukhetha ubunzima obuya kwenzeka ngexesha elifanayo. Esi sicwangciso sinokubaluleka kwindleko eyaziwayo.
Isicwangciso seBarbell: Ngeendlela ze-barbell, uza kuthenga iintlobo ezimbini zeeCDs - ezifutshane kunye nexesha elide lokukhula. Esikhundleni sokusasaza ukukhula kwakho ngexesha elide, uya kubambelela kwiindlela ezide kunye nezona mfutshane ezikhoyo (ngelixa uqaqa ii CDs eziphakathi kwekota). Ngokomzekelo, ukugcinwa kwakho kungabandakanya ii-CD ezinyanga ezintandathu kunye neeCD zama-CD, kunye nesiqingatha semali yakho nganye.