Ukuchitshilwa kwedatha
"Ngaphezu kwe-75% yazo zonke iinketho ezigcinwe kude kube sekuphele ixesha lokuphela ... Yingakho ufanele wenze into enokwenza ngayo kwaye uthengise ukhetho kwabanye abantu. Emva koko, ukuba ininzi yabo iya kuphelelwa yinto engenanto, kutheni ungaqokeleli imali kubo namhlanje ngelixa ixabiso? "
Omnye umcebisi uthi "Ukuthengisa izinto ezikhethiweyo kunye ne-cash-stured putings isicwangciso esiliqilileyo kunokuthenga izinto ezikhethiweyo kuba i-90% yezikhetho ziphelelwa yinto engenakucala."
Inyaniso kukuba akukho yeenkolelo ezikufuphi isondele ngokuchanekileyo. Umntu wokuqala ocatshulwayo uyangalunganga kwienkolelo zakhe kuba uyayigcina ingozi ebandakanyekayo nokuthengisa izinto. Kum, iingxelo zakhe zibonisa ukuba ukuthengisa izinto ezikhethiweyo-njengenye indlela yokuthengisa izinto ezikhethiweyo-isicwangciso esilumkileyo. Nangona kunjalo, inobungozi.
Isitatimende somntu wesibini sinesiphene, kodwa siqulethe i-nugget ye nyaniso. Abathengisi abangakumbi bakholelwa ukuba "bulumko" ukuthengisa, kunokuthenga, ukhetho. Nangona kunjalo, ingqalelo kufuneka ihlawulwe kumngcipheko wokunciphisa.
Ndiyavumelana nomgca wokubhaliweyo wokubhala iifowuni isicwangciso esilungileyo kubanini-mali abaninzi. QAPHELA: Akubalulekanga kubahwebi bexesha elifutshane.
Amanani
Ngokwezibalo ze-OCC zembali zonyaka ka-2015 (ukwenzela umsebenzi kumakhasimende kunye neenkcukacha eziqinileyo), ukuphazamiseka kulandelayo:
- Isikhundla sivaliwe ngokuthengisa inketho: 71.3%
- : 7.0%
- Iphethwe kwaye ivumelekile ukuba iphelelwe lize: 21.7%
Le datha evela kwi-OCC ichanekile. Ngoko kutheni abantu abaninzi bakholelwa ukuba i-90% yezinketho ziphelelwa lize? Eyona nto, yimpazamo ekucingeni okucacileyo.
Makhe sijonge umzekelo olula: Qaphela: umdla ovulekileyo ulinganiswa kanye kuphela ngosuku. Cinga ukuba ukhetho oluthile lunomdla ovulekileyo (I-O) we-100, kwaye loo 70 kwezo zikhetho zivaliwe ngaphambi kokuphela.
Okushiya i-O ye-30. Ukuba i-7 isetyenzisiwe kwaye iphela i-23, i-77% yomdla ovulekileyo (njengentsasa yokuphela kwelanga) iphelelwa ngumsebenzi. Abo bangayiqondi le nkohliso bathi ibininzi umdla ovulekileyo uphela ixesha elingenamsebenzi.
Iinyaniso kukuba ipesenteji ephakamileyo yomdla ovulekileyo ohlala ude uphelelwe ngumhla uyaphelelwa lixesha. Leyo inombolo ehluke kakhulu kunomdla wonke ovulekileyo.
Ukubhalwa kweefowuni yokuBhala kunye neNkcitho yokuCima
Uninzi lwezikhetho zithanda ukubhalwa kweefowuni xa ikhetho liphela lilize. Inyani kukuba le nto ibangela umphumo owanelisayo. Abahwebi basenayo isitokisi, i-premium yokukhetha i-bhanki, kwaye lixesha lokubhala unyulo olutsha kwaye uqoke elinye i-premium.
Nangona kunjalo, loo nto ingqondweni yinto encinane. Ngokuqinisekileyo, xa uthengisa isitoreli kwi-49, khawubhale iifowuni ngexabiso lemali yesigwebo se-$ 50, kwaye ukhetho luphela ngexabiso lempahla kwi-$ 49, (okanye phezulu) - isicwangciso sele sisebenze ngokunjalo kwaye singalindela kwaye umthengisi uzibambezela emva.
Nangona kunjalo, kukho iimeko ezimbini apho umrhwebi ophumelele le nto (ezikhethiweyo ziphelelwa yinto engenakucala) mhlawumbi wenza iphutha elikhulu xa elinde ukhetho lokuphelelwa yintlawulo - iphutha elithwala imali.
Makhe sijonge ezi ngxubusho zengxoxo.
- Ixabiso lentengo liye lahla . Kungathi kulungile ukuba ubhale ukhetho lwama-$ 200 kwaye ubone ukuba luphelelwa yinto engenakulinganiswa. Nangona kunjalo, ukuba oko kwenzeka njengokuba intlawulo yesitokhi sakho esezantsi iyancipha kwixabiso lakho lokuthenga lika-$ 49 ukuya (umzekelo) i-$ 41, engenakuvakalelwa kakhulu. Ngokuqinisekileyo, endaweni yokulahlekelwa yi-$ 800 kwizabelo, ukulahleka kwakho kungama-$ 600 kuphela kuba uthengise ukhetho. Kodwa oko akunakulungele.
Yintoni oya kuyenza ngoku? Ukuba unqwenela ukwamkela inyaniso yexabiso lemali engu-$ 41 kwaye ufuna ukuthengisa izinto ezikhethiweyo ngesiteleka esifanayo se-$ 50, kukho iingxaki ezimbini. ukuba i-$ 50 yefowuni isasetyenziswa, i-premium iya kuba yinto ephantsi. Ndiyathemba ukuba awuzange usebenze ngokubhaliweyo kweefowuni ngeenjongo zokuthengisa iinketho kwi-$ 10 okanye i-$ 20 xa utyalo-mali lwakho lokuqala luyi $ 4,700 (i-$ 4,900 engaphantsi kwe-$ 200 ye-premium). Ngaba uzimisele ukubhala izinketho ezibethelelwe kwi-$ 45, ukwazi ukuba ukuba unenhlanhla ngokwaneleyo ukubona ixabiso lesitoko liphinda lifumane le nto, umphumo uya kuvalelwa ekulahlekeni? Ingongoma kukuba ikusasa iba yinto engqinileyo kwaye ukwazi indlela yokuqhubeka idinga amava athile njengomrhwebi / umtyalomali.
Inkqubo efanelekileyo yayiza kuba ukulawula umngcipheko wendawo emva kokuba intengo yesitishi ihambele ngaphantsi komda okhethwe ngaphambili.
- Ukuqhutywa kwentsholongwane kwakusandul 'ukukhawuleza, kodwa kunqatshelwe ngelixesha lokuphela kwexesha. Abalobi abakhethayo bayayithanda xa ukunyanzeliswa kwezinto kuphazamise ngaphezu kwamanqanaba aloo mlando kuba banokuqokelela i-premium ephezulu ngaphezu kwexesha eliqhelekileyo xa bebhalela okukhethwa kukho kweefowuni. Enyanisweni, i-premium yokukhetha inokuba yinto enqwenelekayo ukuthengisa ukuba abanye abathengisi bayayihoxisa umngcipheko kunye nokurhweba kwinani eliphezulu elingenakulungelelaniso leemvumelwano (jonga ingxoxo kwiSayizi soBume ).
Ukufumana ingcamango yendlela i-premium yokukhetha ngayo ingahluka njani njengoko kutshintshiselwe ukutshintsha kwezinto , jonga inqaku malunga nokungahambisani nokuhlaziywa kwe-premium.
Cinga ngolu hlobo. Unayo indawo yokufowunelwa, ngokuthengisa i-$ 50 kwifowuni ekhoyo njengamaxabiso angama-$ 49 xa i-market ye-stock market ngokukhawuleza ithola i-jitters. Oku kungabangela umcimbi omkhulu wezopolitiko, njengotyulo loongameli okanye ithuba lokuba iBritani ihambe kwi-European Union ( Brexit ).
Ngaphansi kweemeko zemarike zesiko, uyavuya kakhulu ukuqokelela i-$ 150 ukuya kwi-170 yezigidi xa ubhala inyanga eyodwa. Kodwa kule ngqikelelo, iphakamileyo ebonisa ukungaxhamli - kwimihla engama-3 ngaphambi kokuba ukhetho lwakho luphelelwe yisikhathi - ukhetho oluthengisile luxabiso kwi-1.00. Le xabiso liphakame kakhulu (ngokuqhelekileyo lixabiso elilingene ne-$ 0.15), ukuba umane ulawule ukuhlawula loo nto kwaye unqume ukubamba de ikhetho ziphelelwe yisikhathi. Kodwa umhwebi onamava akhathaleli ngexabiso lelo khetho kwiphulo. Kunoko, loo mthengisi ongcono kakhulu ukhangele ixabiso lekhetho eliphelelwa inyanga emva kwenyanga. Kule ndawo ephuculweyo ye-IV, uyaphawula ukuba ukhetho oluzayo emva kwexesha luyintengiso kwi $ 3.25. Ngoko umthengisi wethu ohlakaniphile wenza ntoni? Ingena kwi-oda yokusabalalisa ukuthengisa ukusabalalisa umnxeba, ukuqokelela umahluko, okanye i-$ 2.25 ngesabelo ngasinye.
Urhwebo lubandakanya ukuthenga okukhethwa kwithuba elisondeleyo (kwi-premium engathandekiyo ye $ 1.00 kunye
kuthengisa ukhetho lwenyanga ezayo kwi-premium ekhangayo ye $ 3.25. Inkokhelo yentengo yemali yorhwebo ngu-$ 225. Imali leyo i-credit ithemba ukuba uyayigcina xa ukhetho olutsha luphela. Qaphela ukuba oku kuphezulu kunemali engenayo ye-$ 150 ukuya kwi-170 kwinyanga. Ngokuqinisekileyo kufuneka uhlawule ixabiso "eliyingozi" ukugubungula inketho ekuthengiswe kwangaphambili, kodwa inani elibaliweyo elilinganayo yimali emali eqokelelwe xa ushukumisela isikhundla ukuya kwinyanga elandelayo - kuba leyo yinzuzo yakho entsha enyangeni ezayo .
A
Izinketho zokubhala nokuzibona ziphelelwa yinto engenakulungele ukuba ziphumo ezilungileyo. Qaphela nje ukuba akusoloko kulungile into enjalo.