Umngcipheko: Umbono omnye woMthengisi weNketho

Ukwenza imali ngeenketho

Xa kuziwa kumashishini ngeengozi ezingenamkhawulo, imeko yam kukuba abaninzi beentengiso kufuneka bawaphephe. Ingqiqo ebalulekileyo kukuba izikhundla ezinjalo zidinga ukulawulwa kwengozi ngokucokisekileyo kwaye ndicinga ukuba abahwebi abatsha-abangazange baqaphele ukubaluleka kokuphuhlisa izakhono ezifanelekileyo zokulawulwa kwengozi-baya kuhendwa ukuba bafumane ezi zicwangciso ngaphambi kokuba baqonde ukuba imali no ku lahleka. Ulawulo olusemgangathweni lwezakhono luyimfuneko eyimfuneko kunoma yimuphi umthengisi.

Ngokusekelwe kumava am nje njengomthengisi ongakhetha kukho (ngo-1973 ukuya ku-2014), ndenze uluvo lokuba ukulawulwa kwengozi kubonisa into ebaluleke kakhulu yokuthengisa kubo bonke abathengisi. Oku akuyinto endiyifumene lula kwiminyaka yam njengomenzi wemakethe ye- CBOE. Namhlanje, ndikhuthaza imbono yokuqwalasela ingqalelo engozini-kwaye iquka ukutholwa kweendlela ezinobungozi obuncitshiswayo kunye nokunyamekela ukuthengisa ubungakanani besimo esifanelekileyo.

Sonke sifuna ukwenza imali NGAMANJE, Nangona kunjalo, kubaluleke kakhulu ukuqonda indlela yokwenza imali ngaphezu kwexesha elide, kwaye oko kuthetha ukuba kuyimfuneko ukuba ufunde indlela ongakhetha ngayo ngaphambi kokubeka imali yakho engozini.

Ngamnye wethu kufuneka anqume ukuba zeziphi iindlela zokukhetha ezifanelekileyo ezifanelekileyo kwiintengiso zethu kwaye zidlula ukunyamezela kwethu umngcipheko . Ukufumana ulwazi olwaneleyo lokwenza isigqibo esinjalo, izicwangciso kufuneka ziqondwe kwaye zenziwe. Oko kubangela ingxaki ebalulekileyo kulabo abakhawuleza ukuqala.

Abahwebi abatsha abanakho ukufuna ukuxhatshazwa ngokusebenzisa i-akhawunti yokuthengisa iphepha kunye nokugqiba ukuthengisa kunye nemali yangempela-kunye nomngcipheko wangempela. Ngenxa yoko, ndibona kukulungele ukukhusela nayiphi na inkcazo yezicwangciso ezinobungozi obukhulu.

Nangona kunjalo, ukuba yinto engokoqobo, ndiyazi ukuba abatyali-zimali abakhuthazayo bahlala befumana umngcipheko omkhulu kunokuba baqonda.

Ngokomzekelo, xa umthengisi ekhwela, yena / akaqapheli ukuba ukuthenga isitokisi "kuyingozi." Emva koko, abatyali-mali abanokuqonda bayakhuthazwa ukuba bathenge amasheya (kwaye babambelele kuwo ixesha elide). Akukho mntu ukholelwa ukuba intengo yekhethi lakhe elikhethiweyo lingaphantsi kwe-50% eliphantsi - kwaye abanini-zimpahla abacingi ukuba bacinga ukuba kungenzeka ukuba ii-akhawunti zabo zinqunywe kwisiqingatha. Kodwa kwenzeka, nangona kungabi njalo.

Uninzi lwabatyalomali baziziva bekhuselekile xa banesitokisi kwaye abaninzi bakholelwa ukuba ukuhweba okukhethwa ngabantu abathanda ingozi enkulu. Oku akunjalo nje. Izinketho zisetyenziswe lula ukunciphisa umngcipheko. Nantsi enye imeko elula kwinqanaba:

• Ukuthengisa izinto ezikhethiweyo zeentengiso zivakalelwa into enyanyekayo - kumntu ongaqondi indlela ongakhetha ngayo.
• Abantu bakholelwa ukuba ukuthenga isitorethi kunengqiqo kodwa ukuthengisa okukhethiweyo akukhethi.
• Sekunjalo, ukuba neengxenye eziyi-100 zesitokisi kubandakanya ithuba lokulahlekelwa yimali engaphezulu kunomthengisi wekhetho olukhethiweyo.

Musa ukungaqondi. Andiyicingi ukuba wonke umntu uthengisa. Ndifuna ukuqiniseka ukuba abafundi bayifumana: Ukuthengwa kwesitokhwe kusemngciphekweni njengamanye amacandelo okukhethwa kwingozi. Nangona kunjalo, abathengisi bokukhetha bangakwazi ukubeka ingozi ngokulula. Ngokomzekelo, endaweni yokuthengisa ama-naked, umthengisi angakwazi ukuthenga enye ibekwe kuyo nganye ithengiswe.

Oku kunokunciphisa inzuzo, kodwa kunciphisa ukulahleka okuthe tye kwintengiso kwinani elincinci (xa kuthelekiswa nokuthengisa i-naked).

Umzekelo : I-XYZ i $ 93.10 ngesabelo ngasinye:

a) Thengisa i-1 XYZ uNgo-18 ka-16 '16 90
b) Thenga 1 XYZ Nov 18 '16 80 uyibeke

Le nhlanganisela ibhekiselwa kuyo njenge-spread spread. Kulo mzekelo, uthengisa i-XYZ Nov 80/90 isasazeka, kunye nezithuba eziphelelwa yisikhathi emva kokuba imarike ivale ngoNovemba 18, 2016. Isimo esona sikhulu kakhulu sibangela ukulahleka kwe-$ 1,000 ukusasazeka (kuncitshiswe yi-premium eqokelelwe xa kuqaliswa isikhundla). Le yorhwebo olunobungozi.

Umthengisi we-naked XYZ Nov 18 '16 90 abeka unokulahlekelwa ukufikelela kuma-$ 4,500 (ngaphantsi kwe-premium eqokelelwe) ukuba isitoksi sinciphise yonke indlela ukuya kwi-45.00

Umnini-mboleko unokulahlekelwa iRandi 4,810 ukuba isitokisi siwela kwi-$ 45.00. Kucacile ukuba ilahleko ingaba ngakumbi xa ixabiso lentengo liyaqhubeka nokuhla.

Kodwa ukusabalalisa umthengisi akunakuze ulahlekelwe yimali emininzi-kungakhathaliseki ukuba ixabiso lentengo liphantsi kangakanani.

Eyona nto: Ukuthengisa izinto ezizimeleyo kubandakanya umngcipheko wokuba lulahlekelwe kakhulu. Kodwa kunjalo ukuthengwa kwempahla.