Kwenzeka kuwo wonke umntu ngexesha elithile ukuze ufune isicwangciso
Ngendlela elula kwaye mhlawumbi ibe yintlungu, uthenge isitoko ngoko ubukele ixabiso liye phantsi kwaye uhlale phantsi. Ngexesha elithile, unquma ukuphelisa intlungu kwaye uyithengise.
Olu hlobo lokulahleka lubizwa ngokuba yilahleko enkulu ngenxa yokuba iquka inani elithile leedola.
Ungasebenzisa ukulahlekelwa kwemali enkulu ukuze uhlawule inzuzo, ebizwa ngokuba yimali eyinzuzo yerhafu . Kodwa ngaphaya kwaloo nto, bayisifundo esichukumisayo sokutyalo-mali.
Amathuba alahlekileyo
Olunye uhlobo lokulahlekelwa alubuhlungu kakhulu kodwa luyinyani. Usenokuba uthenge i-$ 10,000 kwi-stock yokutshisa okutshisayo kwaye unyaka owodwa kamva, emva kokunyuka nokuhla, isitokisi sisondele kakhulu kwinto ohlawule ngayo.
Ungalingeka ukuba uzitsho ukuthi, "Ewe, ubuncinane andilahlekanga nantoni na." Kodwa oko akunjalo. Ubophe imali eyi-10 000 yemali yakho ngonyaka kwaye awufumani nto ngokubuyisela. Ukuba uthenge i-CD yasebhanki, bekuza kukufumana ubuncinane ubuncinane.
Zonke izithengiso zentengo ziqala ngokulingana nokutsalwa kwe-investor-free free as a US Treasury note. Zibuze ukuba buninzi kangakanani ukufumana ukuthengwa kwesitokethi esithile ngengozi eyongeziweyo xa kuthelekiswa nento onokuyifumana kwinqophiso engenangozi.
Xa isitokethi sihamba nanye okanye ayikufanelanga ukubuyiswa kwemingcipheko engenazo ingozi , ulahlekelwe yimali. Ulahlekelwe ngethuba lokutshala imali yakho kwinto eyenokukubuyisela ukubuyisela okulungileyo ngaphezu kokungabikho kwemingcipheko-kunye nokulahleka kwangempela.
Ukulahleka kweNzuzo
Olu hlobo lokulahlekelwa yimiphumo xa ubukela isitokti senza umqhubi omkhulu kwaye sibuyele, into enokuthi yenzeke ngeesitokisi ezininzi.
Abaninzi abantu baphumelele ekubizeni phezulu okanye phantsi kweemarike okanye kwisitokisi. Unokucinga ukuba imali onokuyenza yilahlekelwa yimali-mali oya kuba nayo xa uthe wathengisa phezulu.
Abanini-zimali abaninzi bahlala bomelele kwaye banethemba lokuba isitokisi "siya kubuyiselwa" kwaye sibuye siphinde siphezulu, kodwa oko akunakwenzeka. Nangona kunjalo, abatyali-mali abaninzi banamathemba okufumana inzuzo eninzi nje kuphela ukubona isitokisi siphinda kwakhona. Uphulo olungcono lwelo hlobo lokulahlekelwa kukuba luvuyiswe ngenzuzo enengqiqo kwaye ungazami ukucima yonke ipenki ngaphandle kwesitokisini, ukubeka ingozi yokubuyela kwirejista kunye nokulahleka kwenzuzo elahlekileyo.
Iphepha lokulahleka
Unokuzixelela ukuba "Kuphela ukulahlekelwa kwephepha," okanye "Ukuba andithengisi, andilahlekanga nantoni na," kodwa inyaniso yindlela ephela yokuphuma kwindlela yokutshala imali. Ukuba wenza iphutha okanye into engalindelekanga, kufuneka wenze isigqibo sokuba wenze ntoni ngako.
Ukuba ukholelwa ukuba ithemba elide lexesha elide lenkampani lilungile, kusenokuba yinto elungileyo yokongeza kwiibamba zakho. Ngakolunye uhlangothi, ukulahlekelwa kwephepha lakho libe yithuba elilahlekileyo xa ukholelwa ukuba yilapho isitokhi siza kuhlala khona kwaye uhleli kwilahleko lephepha xa usenokuba utyalole imali yakho kwinto efumana inzuzo esikhundleni sakho.
Ukujongana Nalo
Akukho mntu ufuna ukulahlekelwa yintlobo na, kodwa ungavumeli u-ego wakho angene endleleni yokwenza isigqibo esifanelekileyo xa kwenzeka. Ixesha elifanelekileyo lezenzo lidla ngokukhawuleza ukulahleka ilahleko zakho kwaye uqhubele phambili kwi-akhawunti elandelayo. Kodwa zikho ezinye iindlela zokuthatha umoya ophefumlelweyo kwaye uqhubeke phambili, naye.
Hlola izigqibo ozenzayo ngamehlo abandayo emva kwexesha elidlule. Ngaba unokwenza okungafaniyo? Ngaba unokulahlekelwa ngumncinci okanye mhlawumbi akukho nto uyenzile? Zama ukufunda kumava.
Qinisekisa ibhanti yakho yexesha elide ukuba kufuneka kwaye kwaye ukulahlekelwa kukuncinci ukuze ukwazi ukuyifumana ngokukhawuleza. Buyisela loo mali. Emva koko zama kwakhona, ugcine engqondweni izinto ozifundileyo ngexesha elizayo i-marhwebo iyancipha.
Gcina ilahleko kumxholo kwaye ungayithathi.
Khawukhumbule ukuba abanye abantu abaninzi baphuma apho bathatha injengo-njengaye-mhlawumbi nantoni ngakumbi kunokuba wenze. Ukulahleka akuchazi, kodwa kunokukwenza ube ngumtyalo-mali ongcono xa uyiphatha kakuhle.