Lapho ukutshala kwesigidi: izinketho

Wena uzuze isizumbulu semali, futhi leyo mali lubonakaliswa izinombolo eziyisithupha-ngisho nangokwengeziwe? Halala! Manje kubalulekile ukucabanga mayelana lapho ukubeka kwesigidi, kodwa ukuthi yena baletha imali!

Into efika kuqala ngokuvamile kusikhumbuze umuntu - ukubeka imali ebhange ngoba idiphozi. Enokwethenjelwa kakhulu futhi evikelekile izindlela. Nakuba namanje akayikhohliwe isimo esenzeka endaweni '90s ... Yiqiniso, isakhiwo yasebhange ishintshile isikhathi eside, imali yezakhamuzi angaphansi umshwalense ayimpoqo, uma kwenzeka ucabanga ebhange nakanjani ubuye 700.000 ka etshaliwe million. Futhi ungakwazi ukubuyela zonke - nje bahlukana imali ngesigamu futhi agcinwe amabhange ezahlukene. imibuzo Abahlaziyi izakhamuzi 'mayelana nokuthi izigidi, ukuhlangabezana - e ebhange, kodwa ihlukaniswe yaba ezifakwa eziningana ngohlobo ezahlukene, bese ukhetha ebhange nge isimo iqhaza. Lena yindlela elula futhi okungenani okuyingozi.

Futhi uma ufuna ukuqiniseka ukuthi imali nje walondoloza, waletha imali encane yokwenziwa, futhi "wasebenza" futhi waletha okuningi? Lapho inzuzo imali unga Kulezo zimo? Ochwepheshe ukweluleka ukuba banake utshalomali e izibambiso. Izibalo zibonisa ukuthi kule minyaka eyikhulu zokugcina inzuzo ezimakethe zamasheya, okungukuthi, engenayo izibambiso, cishe kabili emali, futhi kuba - ngempela inzuzo okumsulwa! It kuphakamisa imibuzo eminingi - ingozi, ukubuyiselwa, iwaranti, futhi umbuzo oyinhloko lapho. izigidi etshaliwe ngokuphelele amasheya enkampani kwakuyokwenzeka okufanayo, okungenani, nomuntu oyisiphukuphuku. Kuwufanele kokuba "reserve isitokwe", okungase agcinwe ebhange efanayo, uma esiphuthumayo lapho kwaba ukuthatha kancane.

Ubungozi - imbangela esihle, kodwa uvumele siqu sakhe abakwazi njalo, bakithi bakhetha babe phambi kwamehlo ami inkulumo impahla lokunamathelisa yabo kusho. On umbuzo lapho ukutshala yisigidi, 99% izakhamuzi banesibopho - ingcebo! Kuyaqondakala - ngaphambi esibucayi, amanani izindlu wakhula ngokukhulu ukushesha, ngakho labo babe arsenal zabo "ingcebo ukutshalwa" ngesimo zokuhlala, lalingabulawa kalula ukuwudayisa ngentengo fabulous noma wamukele eyengeziwe nyangazonke imali dovolno- namanje usayizi emnandi. Kuze kube manje, amanani uzinzo futhi sithuthukisa comparability zabo emali, ukuze lolu hlobo utshalomali iyafana ebhange - inzuzo akuyona omkhulu kangaka ngokheshi zokubala kabusha! Yiqiniso, uma okwamanje une izindlu esikhiphekayo, bese ikhambi licacile - udinga ukuxazulula inkinga izindlu.

Lawa kwakungamadodana izindlela ezivame kakhulu nephephile ukulondolozwa kanye nekusita nenhloko-dolobha yalo. Nokho, kukhona inala ongakhetha - kokuvula okwabo, ukuthenga igolide nezinye izinsimbi eziyigugu, ukungena a izimali entsha ngokuphelele zezimali ezithembisa inzuzo enkulu ngesikhathi esifushane, nokunye. Ngakho-ke, ngaphambi kokuba ekugcineni banqume ukuthi ukutshala ruble yisigidi, Cabangisisa ngawo wonke "kochwepheshe" futhi "ngokumelene" izikhathi ezingaphezu kwesisodwa, ngoba kulula kakhulu ukulahlekelwa, kanye nokubuyiselwa kungathatha iminyaka yonke!