Imfundo iza kuqala
Umbuzo ovela kumfundi:
Ukuba ndibhalela i-call-out-ye-imali eneefowuni ezifakwe kwi-stock, kunye neentengo ze-stock and hit the price of a price, akunjalo ukuba kunikwe ukuba umnini-khetho uza kusebenzisa umnxeba kwaye isitokisi sam siya kubizwa (ie, kuthengiswa ixabiso lentengo)?
Kuyo yonke imibuzo endiyifumanayo - kwaye ndiyayixabisa ngamnye ngamnye - lo mbuzo othile undikhathaze ngaphezu kwanoma yimuphi nawuphi na ngenxa yokuba nabani na obuza le mbuzo akulungele ukuthengisa izinto.
Hayi ngoku, kwaye (ewe, eli lizwi elibi) mhlawumbi kungekho.
Kufuneka ube neengcamango malunga nendlela ongakhetha ngayo kwixabiso lemarike phambi kokuqala ukurhweba. Oko kudinga ukuqonda iingcamango ezisisiseko zokusebenzisa iindlela kunye nokuvakalelwa ukuba zeziphi izinto ezibalalayo xa kuchongwa ukuba ukhetho lufanelekile. Ngaloo nto ingqiqo, uyazi ukuba akukho mntu wakhe / engqondweni yakhe efanelekileyo-kwaye ndiyathetha nanini- sebenzisa inketho yocingo nje ngokuba isitokisi "sihlasela ixabiso lesiteleka ."
Kukho izizathu ezininzi zokuba kutheni oku kuyinyani, kodwa ezi zintathu zifanele zicacise oku:
1) Ucinga ngokucacileyo ukuba abhaliweyo beefowuni bathengisa kuphela ukukhetha okungekho kwemali. Oku akunjalo kwaye abathengisi abaninzi bathengisa izinto ezikhethiweyo kwimali - kwaye oko kuthetha ukuba isitishi siye sabetha intengo yesiteleka - xa ukhetho luthengiswa (lubhaliweyo). Qaphela: Umthengi wokhetho lwakho akakwazi ukuba ungumlobi wocingo, kwaye akafanelekanga.
Usebenzisa inketho xa efuna ukwenza njalo, kwaye ngaphandle kokuba kukho igalelo elikhulu , oko kuthetha ukuba akalokothi usebenzise ngaphambi kokuphelelwa yisikhathi.
Enye indlela yokuphendula umbuzo wakho kubandakanya ukujonga idatha evulekileyo (i-OI) yazo zonke iinketho kwisitokisini osithengisayo. Ngokucacileyo, akukho mntu usebenzisa izinto ezikhethiweyo ngaphandle kwemali.
Kodwa jonga i-OI malunga neenketho ezisele kwimali. Uyabona ukuba i-O ayiyiyo yonke indawo okanye ayikufuphi na? Yiyo yonke into omele uyazi ukuba uqonde ukuba abahwebi abaqhubeki ngokukhawuleza ukufowunelwa (okanye ukubeka) iinketho xa bekhona kwimali. Enye ngongoma: Jonga umthamo wezorhwebo kwaye uya kubona ukuba abantu bathengisa imali-ye-imali yokukhetha - kumaxabiso angaphezulu kwexabiso lawo. Oko kwakungeke kwenzeke ukuba ikhetho zenziwa ngokukhawuleza. Ngoba? Ngenxa yokuba ukhetho lusetyenziswa, i-premium ilahlekile kwaye isisitoreji sayo sisetyenziswe (kuthengwe ngentengo yesiteleka).
2) Ngokuchasene nenkolelo yakho, i-100% iqinisekisiwe ukuba umnini-fowuni akayi kuyenza inketho ngokukhawuleza ukuba isitokethi sihlasele intengo yesiteleka.
Nasi ubungqina. Khangela nayiphi na in-imali-khetho kwisitokethi esinikeziwe.
Ndisebenzisa umzekelo wehlabathi loqobo ngokwenjongo yokuthengisa ngokuthe ngqo - kodwa kufuneka kube lula ukuba uqonde ukuba ndifihla ubunjani besitokethi esithile. Kungekudala ukuba intengo yokuvala i-stock engaziwayo yayingu-109.52.
a) Ukujonga umdla ovulekileyo lwee-Nov 100 zee-short-term, ndiyaqaphela ukuba umdla ovulekileyo uninzi lwezivumelwano ezinkulungwane. Kuthetha ntoni oko ngokwemibuzo yombuzo wakho? I-OI ephakamileyo ibonisa ukuba abantu abanezo zifowuni azizange zisebenzise (ngaphandle koko, iOI yayiza kuba yinto).
Qaphela ukuba wonke umntu onaloo khetho akazange asebenze xa kuthengiswa intengo yesitoko, okanye idluliselwe idlule i-$ 100 (ezenzeke kwiiveki ezimbalwa ezedlule).
Emva koko, ndikhangele i-O yeeNombolo 90. Ezi zinzulu kwimali. Ingaba umdla ovulekile? Ngaba wonke umntu usebenzisa i-Nov 90 yeefowuni xa i-stock iqhutywe ngaphaya kwe-90? Impendulo ayikho, kwaye umdla ovulekileyo usengaphezu kwezi-15,000.
b) Masicinge ngexabiso lentengiso (i-premium) ye-Nov 100 call. Ukuba umnini-fowuni usebenzisa ukhetho, uthengisa isitoreli kwi-100 yeesabelo ngasinye xa kuthengisa i-109.52.
Xa ndijonge umsebenzi wezohwebo zangezolo, ndiyabona ukuba le fowuni yagqitywa ngokuthengisa kufuphi ne-19 yezivumelwano. Khangela oku kuvela kumbono wentengiso yomthengi. Ingaba kunengqiqo ukuba loo mthengi ahlawule i-$ 1,900 yokukhetha kwaye asebenzise ngokukhawuleza?
Ukuba wayithatha eso senzo, uza kuhlawula i-dollar eyi-100 (intengo yesiteleka) kunye neRandi 19 (ixabiso lentetho), kwaye kwakuya kubabiza i-$ 119 ngesabelo ngasinye. Ngubani oya kwenza loo nto xa isitokhe sinokuthengwa nge $ 109.52? Kucacile ukuba akukho mntu uza kwenza oko.
Yaye ukuba uthenge loo fowuni ngentengo ephantsi kakhulu (zithi, iinyanga ezimbini ezedlulileyo), wayeza kuthengisa i-$ 19, kwaye angayisebenzisi - eyiyo ngokufana nokuthengisa inketho kwi-$ 9.52.
3) Umnini umnxeba unomngcipheko omncinci. Wayehlawula i-premium ukuze abe nesimo esinomngcipheko omncinci. Ukuba ixabiso lesitoksi liyawa, ilahleko ephezulu yindleko yekhetho. Emva kokukhethwa kwendlela, umtyalo-mali unesitokisiso - kwaye siza kunye nokulahleka okukhulu xa ixabiso lesitoko liwela. Kuya kuba yintlanzi ukuhlawula umngcipheko obuncitshiswayo kwaye uhlawulele ukuba i-premium ibe nesitokisi sayo (ngokubalulekileyo) ingozi engenamkhawulo.
Ukuba awuyiqondi isizathu sokuba akukho mtyalo-mali okanye umthengisi uza kuyenza njengoko ucebisayo, ngoko awukho ukhetho lwezorhwebo. Kuya kuba nzima kakhulu ukwenza imali xa iingcamango ezisisiseko zivela ngaphandle.
Nceda uthathe le ngcebiso: Funda izinto ezisiseko. Emva koko zorhwebo. Akukho ukukhawuleza ngenxa yokuba uhlala ixesha lakho lokuphila ukuze wenze izinto zokuthengisa kwaye ngoku yisikhathi sokufumana imfundo yakho.