Ingozi iyingxenye yoTyalo-mali
Ukhetho oluthatywayo lokutshala imali olufezekisa iinjongo zakho kunye neprofayili yengozi zigcina ingozi yomntu ngamnye kunye nobungozi bebhondi kwizinga elimkelekileyo.
Nangona kunjalo, enye ingozi iyingenelo yokutyalomali ongenakho ukulawula. Uninzi lwaloo mngcipheko luchaphazela iimarike okanye uqoqosho kwaye kufuna abatyalo-mali ukuba bahlengahlengise iiphothifoliyo okanye baphume ngaphandle kwesiqhwithi.
Nazi iindlela ezine eziphambili zobungozi abatyali-mali abajongene nazo kunye nezinye izicwangciso, apho kufanelekile ukujongana neengxaki ezibangelwa ezi zorhwebo kunye nezoqoqosho.
Ingozi zo qoqosho
Enye yeengozi ezibonakalayo zokutyalomali kukuba uqoqosho luya kuba lubi. Ukulandela ukuhlaselwa kweemarike ngo-2000 kunye nokuhlaselwa kwezigebengu ngo-2001, uqoqosho luye lwaba luhlobo olubi.
Ukudibanisa kwezinto ezibonayo iimarike zeemarike zilahlekelwa ipesenti ezikhulu. Kwathatha iminyaka ukubuyela kumanqanaba asondele kumanqaku angaphambi kwe-9/11, kuphela ukuba iphantsi iphinde iphinde ibuye kwakhona ngo-2008-09.
Kuba abatshali-mali abatsha, isicwangciso esona siqhelo sivame ukuzingela phantsi nokukhupha oku kuhla. Ukuba unokwandisa isikhundla sakho kwiinkampani ezintle, ezi zihlandlo zihlala zilungele ukukwenza njalo.
Izitoko zangaphandle zingaba yindawo eqaqambileyo xa imarike yasekhaya isekho xa uqhuba umsebenzi wakho wesikolo. Ngombulelo kwihlabathi, ezinye iinkampani zase-US zifumana ininzi yeenzuzo zabo phesheya.
Nangona kunjalo, ekutshatyalaliswa njengentlekele ka-2008-09, akukho ndawo ikhuselekileyo ukuyijika.
Abatyalomali abasemdala babophezela kakhulu. Ukuba uhlala okanye usekuhlaleni umhlalaphantsi, ukugqithisa okukhulu kwiitokshi kunokuphazamisa ukuba awuzange utshintshe iimpahla ezibonakalayo kwiibhonkco okanye kwii-secured securities.
I xabiso
Imali yerhafu yerhafu kuwo wonke umntu.
Itshabalalisa ixabiso kwaye idale ukuhanjiswa.
Nangona sikholelwa ukuba ukunyuka kwamaxabiso kungaphantsi kolawulo lwethu, ukunyanga kwamazinga athile aphezulu kunokuthi kube ngenye ingxaki njengengxaki. Ngorhulumente omkhulu obolekisa ukuxhasa iiphakheji zokuvuselela, yinto nje yexesha ngaphambi kokubuya kwexabiso lentengo.
Abatyali bemali baye bahlala "kwiimpahla ezinzima" ezifana nezakhiwo kunye nezitye ezixabisekileyo , ngakumbi igolide, ngamaxesha okunyuka kwamaxabiso.
Ixabiso lemali lilimaza abatyali-mali kwiimali eziqhotyoshelweyo kubangelwa ukuba lilahle ixabiso lentlawulo yabo yengeniso. Amasheya yindlela ekhuselekileyo yokukhusela ukunyuka kwamaxabiso kuba iinkampani ziyakwazi ukulungelelanisa amanani kwizinga lokunyuka kwamaxabiso .
Ukunciphisa umhlaba kungathetha ukuba izitokisi ziza kulwabalalisa ixesha elide ngaphambi kokuba uqoqosho lomelele ngokwaneleyo ukuba kuthwale amanani aphezulu.
Akusiyo isisombululo esipheleleyo, kodwa ke kutheni nabanini-mali abathathe umhlala-phantsi kufuneka bagcine ezinye zeempahla zabo kwiimpahla.
Ubungozi beNtengiso
Umngcipheko wobungakanani bemarike ubhekisela kwinto eyenzekayo xa i-marhwebo iphendulela okanye ingayinaki utyalo-mali.
Kwenzeka xa iimakethi iyahamba ixoshe "into elandelayo ishushu" kwaye ishiya ezininzi iinkampani ezintle, kodwa ezingenakunxusa.
Kwakhona kwenzeka xa iimarike zitshona- ezinobungozi ezintle, kunye nezitokisi ezimbi , zihlupheka njengoko abatyala-mali batshabalalisa ngaphandle kwemarike.
Abanye abatyali-mali bayifumana le nto entle kwaye bayibheke njengethuba lokulayisha kwiindawo ezinobuninzi xa kuthengiswa ixabiso.
Ngakolunye uhlangothi, aluyi kuqhubela phambili isizathu sakho ukuba ubukele inyanga yakho ye-flat line-line emva kwenyanga ngelixa ezinye iinxalenye zemarike ziya kunyuka.
Isifundo kukuba: ungabanjwanga nazo zonke utyalo-mali lwakho kwicandelo elinye loqoqosho. Ngokusasaza lwakho utyalo-mali kumacandelo amaningana, unethuba elingcono lokuthatha inxaxheba ekukhuleni kwezinye iibhokhwe zakho nganoma naluphi na ixesha.
Ukuzimela
Akukho nto iphosakeleyo ngokuba ngumtyalo-mali ogcinayo okanye oqapheleyo. Nangona kunjalo, ukuba ungalokothi uthathe umngcipheko, kunokuba nzima ukufikelela kwiinjongo zakho zemali.
Unokufuneka uhlawule ngeminyaka eyi-15 ukuya kwe-20 yomhlalaphantsi kunye neqanda lakho lesidleke . Ukuzigcina zonke kwiimpahla zokulondoloza akunako ukufumana umsebenzi.
Isiphelo
Ndiyakholwa ukuba ufunda ngemingcipheko yokutyalo-mali kwaye wenze umsebenzi wesikolo sakho kwiimali-mali ngamnye, unokwenza izigqibo eziza kukunceda ufezekise iinjongo zakho zezemali uze uvumele ukulala ebusuku.