Funda ngeMyinge yeNdleko yeNgxowa yokuzibandakanya kunye nendlela yokubeka iBhajethi
Xa uqwalasela into oyichithayo kwi-ring ring, khumbula ukuba ngelixa abathengisi kunye neendaba zoluntu zentlalo baqhelana neziqabane ukuba bakholelwe ukuba ubukhulu kunye nentengo yedayimane ngandlela-thile ihambelana nomgangatho wothando nokuzinikela, uyazi ukuba akunjalo.
Ngoko nasi isiluleko esithembekileyo nesingabalulekanga malunga nendlela yokuthenga idayim yokubandakanya indandatho ngokuhlakanipha kwaye ngaphandle kokuphula iibhanki.
I-Diamond njengeNtsalo-mali
Hlala phantsi nasiphi na isalathisi sezobucwebe kwaye uya kuqinisekiswa ukuba uvale i-pitch yokuthengisa malunga ne-almine ephezulu yeyona mveliso. Nangona kuyi nyaniso ukuba idayimane yintengiso eyigugu kunye nokuba inokwandisa kwixabiso ngelixesha, khumbula ukuba ukufumana imali-mali ayiyiyo injongo yokuthenga. Ukuba ngaba, nawuphi na umcebisi wezemali uza kukucebisa ukuba ukhangele kwenye indawo kungekho mntu kufuneka athenge intsimbi ye-diamond yokubandakanya njengendlela yokwahlula iipotifoliyo zabo. Iidayimenti zokubandakanya i-Diamant akufanele kube yinkxaso-mali yenkxwaleko yeso sibini okanye indawo yokutshala imali, gxininisa imali yakho ngoku kwaye ucinge ngexabiso ledayimani kunye nexabiso namhlanje.
Iingqungquthela zokubambisa iingqungquthela zeengxowa-mali
Ngaphambi kokuba ungene kwizinto ezifanele uchithe kwindandatho yokubambisana, makhe siqale nge-debunking ezinye zeengxoxo zeengxelo zebhajethi eziqhelekileyo zokubandakanya:
Iingoma 1: Ufanele uchithe umvuzo wenyanga ye-X
Usenokuba uvile ngeemali "zomvuzo wenyanga ezimbini" okanye "umvuzo wenyanga yesithathu", kodwa ukuba "umgangatho" awuqwalaselanga isikhundla sakho sezimali okanye iinjongo zakho kwaye ukhangeleka. Ngoko le ndawo ilawulwa phi na? Nangona iqhutywe phambili kwaye ishintshile kule minyaka, ichaza isabelomali esicetywayo sokubambisana ngokumalunga nomvuzo wenyanga uqale ngezikhangiso eziqaliswe yi-conglomerate DeBeers kuma-1930.
Nabani na abathengi abanomsoco ngemali kufuneka baqonde ukuba iingcebiso zequmrhu elibhekiselele kwinzuzo evela kumaxabiso aphezulu akufanele kuthathwe njengolwazi olungenamkhethe.
Inkolelo-mfundiso yesi-2: Ufanele usebenzise yonke into eyenziwa ngumntu wonke
Abanye basebenzisa iindleko eziqhelekileyo zendandatho yokubandakanya njengendawo yokuqala. Nangona okokuqala kunokubonakala ngathi yindawo enhle yokuqalisa incoko, ixabiso eliqhelekileyo alizange lihlale lizinzileyo kwiminyaka embalwa edluleyo. Enyanisweni, kuye kwanda kuphela. Nangona ixabiso eliqhelekileyo lentsimbi yokugaya idayimane yokugcina idayimane ikhuphuke ngoku ukuya kuma-5,800 ukuya kwii-6,000 zamawaka ngo-2015, ngokunjalo uneminyaka yobudala bomtshato wokuqala kwaye ngenxa yoko, ukhuseleko lwezezimali zabathengi abanokuthenga. Nangona umdla othakazelisayo ukwazi, ininzi iyavuma ukuba iindleko zokubambisana eziqhelekileyo akufanele zibe nempembelelo yangempela kwi-bhajethi yakho yokumakisha.
Kufuneka Uninzi Kangakanani
Ngoko ke isiluleko esilungileyo esinokusinika sisigqibo kwisabelo-mali sakho esisekelwe kwiimeko zakho zemali ngaphambi kokuba uphume kwi-store jewelry, apho uzibeka phantsi koxinzelelo lwabantu abathengisayo kunye nezibonelelo ezizodwa. Yiba neengqiqo malunga noko unokukwazi ukukwenza okanye inqanaba lesikweletu ozimiseleyo kwaye uyakwazi ukuthatha kwaye ixesha elide.
Khumbula ukuba awukho ukukhawuleza i-jeweler (ongeke udibana nayo ngaphambili) okanye nawuphi na umntu onenani lentlawulo yakho yokubandakanya. Hlala ngaphakathi kweerameters yakho uze uhlale ungaphandle kwetyala.
Cinga ukuthengwa kwendowodlana ndawonye
Ubuninzi beenkcukacha zibonisa ukuba ngaphezu kwesigamu sabantu bayamangalisa umthandwa wabo kunye nesandi sokumanyaniswa kwidayimane ngexesha lokucebisa. Oku kuthetha ukuba uninzi lwabathengi abathengi abathengi abafumani nongeniso malunga noko kubaluleke kakhulu kwiqabane labo elizayo kwikhonkco yokubambisana, engenza ukuba uhlahlo lwabiwo-mali lubambelele kunzima kunzima. Ngokuzisa iqabane lakho elizayo ukuba lijonge iindandatho ezinokwenzeka, unokufumana umfanekiso ongcono wengxowa yodibaniso oya kuyifuna ngokwenene, eya kuzisa ukuthenga kwakho. Ngaphandle kokuba uthengisa ukudibanisa ndawonye akusiyo imeko yakho efanelekileyo, ukuthetha nje malunga nokuba izinto ezifana nobukhulu, ukusika, isitayela, kunye neendleko zibalulekile kubo bobabini kuni uya kunika isikhokelo esiphezulu.
Ukuba isitayela sibaluleke ngaphezu kobukhulu okanye ukusika kubaluleke ngaphezu kokucacileyo, uya kuba nako ukunquma indlela yokuphucula i-best and allocation uhlahlo lwabiwo-mali .
Zingakanani iindleko zeDamily Engagement Izindleko
Kukho iimbini ezibalulekileyo ezifaka isandla kwixabiso ledayimane: inkqubo yokulinganisela ebizwa ngokuba "ii-Cs ezine" nokuba ingaba idayimani i-ASG / GIA iqinisekisiweyo. I ezine Cs zibhekisela kumbala wedayim, ukusika, ukucaca, kunye nobukhulu be-carat. Njengomgaqo jikelele, njengoko idayimane inyuselwa ngobukhulu nokucaca, kwaye iyancipha ngombala, ixabiso le-diamond likhuphuka. Iimayimane ezi-ASG / GIA eziqinisekisiweyo zibiza kakhulu.
Izitolo ezininzi zobuncwane zilandelelanisa isakhiwo semali esifana nesilandelayo (nangona ezinye iimeko ezinjengeemveliso ziya kuhlala zilinganisela kwixabiso lokugqibela lokuthenga):
- Ikota yeKarat okanye idayimani encinane, i-$ 125 ukuya kuma-500 ayikwe kwi-carat yegolide
- 0.3 ukuya kwisiqingatha se-carat, i-$ 750 ukuya kwi-1 000 e-gold carat okanye i-platinum, mhlawumbi ngaphezulu xa i-ASG / GIA igunyazisiweyo
- Iidayimani ukuya kwi-0.75 carat, okanye i-ASG / GIA yamatye aqinisekisiweyo, i-$ 1,000- $ 2,000
- Iidayimani ukuya kwi-1 carat, i-$ 2,000 ukuya kwii-3 500 zamawaka, isetyenziswe kwi-carat yegolide
- Umgangatho ophezulu 1 i-carat diamond, i-$ 4,000 okanye ngaphezulu, usekwe kwigolide le-18 ye-carat okanye i-platinum
Ngaphambi kokuba uchithe i-$ 5,000 kwindandatho yokubamba idayimani, cingisisa malunga nokusetyenziswa okungakumbi kwimali efana nentlawulo ephantsi kwindlu okanye ukuqala intsapho. Idayimane inokuhlala ngonaphakade, kodwa ukuba awukho kwisimo semali ukufumana indleko enkulu enokuthi uhlale uqala uphuculo olutsha kwaye uhlaziywe kamva ukuba ubungakanani bubalulekile kubo bobabini. Ngaba ungathanda ukuchitha iminyaka emihlanu ezayo ukuhlawula ityala lekhadi lesikweletu kwintengo yokuthenga intsimbi okanye uqale ubomi obatshatileyo kwisiseko sezimali esisisiseko?
Iingcebiso ezingakumbi zokulondoloza imali kwiNgxowa yokuzibandakanya
Nazi ezinye iindlela zokuthenga intsimbi yakho kwi-jeweler ebiza kakhulu:
- Sebenzisa inkomfa yentsapho ekubandakanyekeni kwakho
- Thenga intsimbi evela kwivenkile ye-antitique
- I-cubric zirconia eziphezulu eziphezulu
- Iintengiso zePawn okanye iintengiso ezikhethiweyo
- Cinga ngelinye ilitye kwidayimane
- Ukuthenga isilungiselelo usebenzisa amatye amaninzi amancinci endaweni yelitye elikhulu