Umngcipheko uvame ukuxhomekeka kwimpahla. Uninzi lwabantu abangabandakanyeki kwishishini lezinto eziphathekayo bakholelwa ukuba amaxabiso eemveliso zi-broncos zasendle, kwaye zihlala zichanekile. Ingxenye encinci kuphela yoluntu iyaqonda iimveliso kwaye ikulungele ukuthatha inxaxheba kwibala lokuhlola.
Nangona kunjalo, ukungazinzi kunye nomngcipheko kubangela amathuba okufumana inzuzo. Kwilahleko ezithwele ingozi, ukulungelelaniswa kwelahleko kukhulu, kodwa kunjalo ke amathuba okufumana inzuzo.
Abantu bahlala bengacaci kakuhle ingozi ekhoyo kwimarike yeemveliso.
Kutheni iimveliso ziyiNgcipheko
Isizathu esona sizathu sokuba izinto eziphathekayo ziyisiphakamiso esichengileyo kukuba zorhwebo kwiimarike ezizayo ezinikezela ngeqondo eliphezulu. Umthengisi wezinto eziqhelekileyo ngokuqhelekileyo kufuneka ukuba athathe i-5 ukuya kwe-15 ekhulwini yexabiso lekhontrakthi kwixabiso elizayo lomda wokulawula utyalo-mali kwixabiso lemvumelwano.
Ngokomzekelo, ukuba ixabiso leoli engcolileyo lirhweba nge-$ 82 umgqomo kunye nekhontrakthi yexesha elizayo leoli liyimigodi eyi-1 000, inani elipheleleyo lekontrakthi yexesha elizayo li-$ 82,000. Umthengisi unokumele athumele malunga ne-$ 5,100 ukulawula i-$ 82,000 yamafutha angcolileyo. Kuyo yonke i-$ 1 leyo ihamba ngamafutha angcolileyo, loo mthengisi unako ukufumana okanye ukulahlekelwa i-$ 1,000 ngesivumelwano esiphethwe.
Ioli engcolileyo ingahamba ngaphezu kwama-2 ebudeni kwimihla yokuthengisa. I-$ 2 ephakamileyo okanye ephantsi ihambelana nokuhamba kwe-40% xa kuthelekiswa nomda ofunekayo ukuthengisa intengiso yesivumelwano sexesha elizayo.
Ngoko ke, umngcipheko wezabelo zezinto ezithengiswayo yinto eheha abanye kwaye igcina abanye kude. Ukunyuka kunokuba yingozi kwizandla zomthengisi ongabhalwa phantsi. Isibhengezo sisona sizathu esona sizathu, baninzi abathengisi bempahla entsha balahlekelwa yimali. Abathengisi abancinci abatsha kwiimarike bathambekele ekulahlekeni imali ngokukhawuleza.
Iimveliso zengqungquthela zengqungquthela zoshishino eziye zenziwa ngoshishino ziye zaziqonda iimarike ezinokuzithengisa.
Abacebisi ngezeNtengiso zeZintengiso (i-CTA's) bavame ukufezekisa ukubuyiswa okulungileyo ngenxa yamava abo kwi-future management stadium. I-Index ye-Barclay CTA ibonisa ukuba ii-CTA zithole ukuphindaphinda kwe-compound yonyaka we-11.56% kwithuba phakathi ko-1980 no-2009. I-CTA yayineminyaka emithathu ilahlekelwa yiminyaka, kwaye ukuchithwa okubi kakhulu kwaba yi--1.19%.
Iinkalo ze-CTA zibonisa ukuba ngelixa izinto eziyimingcipheko zithathwa ngumngcipheko kumthengisi omncinci, abaqeqeshi beemarike baye bakwazi ukubonisa ukubuyiswa okuqhubekayo kunye namachibi amakhulu emali, kwaye banokulawula umngcipheko ngokusebenzisa iindlela ezahlukeneyo zokuvavanya kunye nokuhlolwa kwexesha. Ekugqibeleni, iimveliso zingakhohliswa okanye enye intshawulo-mali esoloko ibonelela ngokuphindaphindiweyo.
Imivuzo neMingcipheko
Umvuzo ngumsebenzi othe ngqo wengozi. Ehlabathini lezinto eziphathekayo, imivuzo emikhulu ifike ngezinga eliphezulu lokubeka ingozi. Ixesha elizayo leempahla zixhobo zokuhlawula; kuthatha inani elincinane lemida ukulawula isixa esikhulu sempahla. Ngoko ke, umrhwebi okanye umtyalo-zimali unokukwenza imali eninzi, kodwa banokulahlekelwa lukhulu.
Imveliso yilapha ye-aseset class. Akuqhelekanga kwixabiso lempahla eluhlaza ukuya kwisiqingatha okanye kabini, kathathu okanye ngaphezu kwexesha elifutshane kakhulu.
Iibhanki, iibhondi, kunye neemeko ziba neentlupheko eziphantsi kunye nokuthengwa kwezinto ezingaphezulu kwemveliso.
Ngokomzekelo, ukunyanzeliswa kwansuku zonke kwemali efana ne dollar kunamaxabiso angaphantsi kwe-10% ngelixa i-metric efanayo yexabiso elifana negesi yendalo liba ngaphezu kwama-30%. Izinto zokuthengisa ziyimpahla engozi. Ngoko ke, ukugweba kakuhle, ukuqaphela, kunye nolwazi malunga nezixhobo othengisa ngazo okanye utyalo-mali kubaluleke kakhulu kwiimpawu zexesha elizayo.
Kwiyiphi na imarike, umngcipheko omkhulu awunalo ukuqonda ngokupheleleyo kwoshishini. Ibhizinisi ngalinye linobungozi. Umngcipheko wemboleko, umngcipheko we-margin, umngcipheko wemarike kunye nobungozi bokungabi nantoni zizinto ezimbalwa zengozi abantu abajamelana nayo imihla ngemihla kwizorhwebo. Ehlabathini leemarike zezinto ezizayo, iimveliso ezinikezelwa ngumgama zibeka umngcipheko wengozi apho abantu abaninzi bajolise khona.