Kwiimeko ezininzi, iinkokeli ziba maxhoba yerhafu, ngokwabo.
Ezi ziqholo zisebenza ngenxa yokuba zixhaphaza ubuhlobo kunye nokholo olukhoyo kula maqela, njengoko banento efanayo. Ekubeni la maqela anqamene kakhulu, kunzima ukuthotyelwa komthetho okanye abalawuli ukufumanisa izikhwama zomzimba. Amaxhoba amaninzi ahluleka ukwazisa amagunya, kwaye endaweni yoko, azama ukwenza izinto ngaphakathi kweqela lawo. Oku kuyinyani ngakumbi xa abaqhenqa basebenzise iinkokeli eziziwayo zeqela ukuba baqinisekise abanye ukuba batyale imali.
Uninzi lwezikhwama ezixhatshazwayo ziyaziwa njengeipiramidi okanye izicwangciso zePonzi . Ngale ndlela, umkhwabanisi uthabatha imali kubatyalomali abatsha ukuhlawula abatyala-mali abadala, obunikelela ukuba utyalo-mali luyimpumelelo. Le ngcamango yokuphumelela isetyenziselwa ukufumana abatyale-mali abatsha ukuba batyalile kwisikimu. Enyanisweni, ngoko ke, lowo uthabatha imilingo nje eyeba ininzi yemali yokusebenzisa kwakhe.
Ezi zicwangciso ziphumelela kuphela, nangona kunjalo, ukuba iqela labatshali-mali abatsha alinayo. Xa oko kwenzeka, icebo liya kuqubuka kwaye abatyali-mali baya kufumana imali yabo.
Ukuphepha Ulwalamano Lokusondelana
Xa utyalomali, uhlala uzibeka kwinqanaba elithile lomngcipheko, kodwa unokunciphisa umngcipheko ngokubuza imibuzo kwaye ufumane inyaniso ngqo malunga nayiphi na imali-mali ngaphambi kokuba uthenge.
Ukuphepha ezi ngxaki, landela ezi ngcebiso:
- Khangela yonke into - Ufanele uhlolisise yonke inxalenye yotyalo-mali, nokuba ngaba umntu ubonakala enokwethenjelwa. Ungalokothi wenze nayiphi inzala-mali isekelwe kuphela kwisiluleko saliphi na ilungu leqela olilungu lakho, njengenkolo okanye inhlanga. Phanda zonke iimali-mali kwaye uhlolisise inyaniso yazo zonke iingxelo ozitsheliweyo malunga nale mali-mali. Khumbula, umntu oxelela wena malunga notyalo-mali angayiqondi ukuba utsalo-mali lubi, njengoko nabo, banokuthi bathathwe ngokukhwela.
- Musa Ukuwa Iziqinisekiso - Kwakhona kufuneka uqinisekise ukuba awuwa phantsi nayiphi na isicwangciso-mali sokuqinisekisa ukubuyiswa. Ukuba utyalo-mali luvakala kakhulu ukuba luyinyaniso, mhlawumbi. Kufuneka ube yinto efanelekileyo yokutyalomali epapashwa "njengengozi." Kukho bambalwa kakhulu, ukuba kukho nayiphi imali engenayo ingozi. Nasiphi na isithembiso sokukhawuleza okanye inzuzo ephakamileyo enomngcipheko omncinci ngumqondiso weklasi wobuqhetseba.
- Yenza yonke into ekubhaliseni - Kwakhona kufuneka ube neengxaki malunga nayiphi na imali-mali enganikwa yona ngokubhaliweyo. Abaqhetseba bazame ukuphepha ukubeka nayiphi na into ebhaliweyo, kodwa utyalo-mali olusemthethweni luhlala lubhalwa njalo. Kwakhona, gweba nayiphi na imali-mali oyiceliwe ukuba ugcine imfihlo.
- Cinga Ngalo - Kufuneka uqinisekise ukuba ucinga malunga nayiphi na ithuba lokutshala imali. Ungazivumeli ukuba ungene okanye unganyanzeliswe ukuba utyalomali kunaliphi na ithuba. Kungenxa yokuba omnye umntu wenze imali okanye amabango ukwenza imali kwi-investment ayithethi ukuba uya kuthi, nawe.
- Sebenzisa isilumkiso Xa uhlola i-imeyile - Abakhohlisi baqhele ukusebenzisa i-intanethi ukujolisa amaqela athile nge-imeyile. Ukuba ufumana i-imeyile evela kumntu ongaziyo "awukwazi ukuphoswa" utsalo-mali, kukulungele ukuba udlulise ithuba kunye noshushu olushushu.