Ingcamango yokuba ishishini lakho liyakunika inzuzo emva kokuba ungasayi kubakho. Kufuneka uxhomekeke kuwe. Thatha ixesha lokujonga ii-ezine zeqhinga lokuphuma kwi shishini: ukufa, ukukhubazeka, umtshato kunye nokushiya. Ukuze ube neshishini eliyimpumelelo, kufuneka uceba zonke ii-ezine ze-D'.
I-Four D's yeShishini lokuPhuma
Ukufa: Umcimbi wokufa komnini-shishini lomncinci kufuneka uqwalaselwe ngexesha lokuqalisa kweshishini. Ngelishwa, ngexesha lokudalwa kweemvumelwano ezininzi zokuthenga / ukuthengisa, umcimbi wokufa ulawulwa kuphela ekubongozwa kwe-inshurensi yomshuwalense. Kwiintlanganiso, unqumle ngokugqithiseleyo ukuba unjani i-inshurensi onokuyifumana kwaye ingaba inkampani yakho ibaluleke kangakanani xa ungazi.
Ukukhubazeka: Ukufa akusekho ukuphelisa ubudlelwane bezoshishino njengokhubazeko. Ukuphila kwamancinci amancinci ngokuqhelekileyo kuya kuthatha isicatshulwa sokukhupha umlingane okhubazekile. Ukuba umntu ubalulekile kwishishini, impembelelo yezemali ichaphazela ishishini kunye nosapho oluxhomekeke kwingeniso.
Ukwahlukanisa: Unokucinga ngeso sivakalelo xa kukho ukukhubazeka kwenzeka, kodwa kuthekani ukuba amaqabane angakwazi ukuhlangana? Sisahlula njani intsebenziswano ngaphandle kokuphazamiseka ngokwezimali? Oku kunokuba nzima kuninzi lwabantu, abanye bangenokuba yiyonxalenye yeengxabano, kodwa banokuchaphazeleka ngemali.
Ukuhamba: Nonke unokuvuyela ukusebenza kunye, kodwa iqabane lakho okanye unokugqiba ukushiya elinye ithuba okanye ukulula ubomi. Ngubani oza kwenza lo msebenzi? Yintoni efunekayo kumlingani oshiyayo? Uphi imali evela kuyo? Yonke into ebalulekileyo yeqhinga lakho lokuphuma kwishishini .
I-Fair Buy / Sell Agreement
Kumnini-shishini lomncinci, nganye yee-ezine zineemfuno ezizodwa: intsapho, ingeniso, irhafu, kunye nokudluliselwa kolawulo lweefa. Isivumelwano, esivame ukubizwa ngokuthi izivumelwano zokuthenga / ukuthengisa, singasetyenziselwa ukuphatha ii-D'ezine. Inkxalabo yentsapho okanye ingeniso ingqubana ne shishini. Ibhizinisi likhoyo njengento ehlukeneyo. Ukunciphisa ingxabano ngokuphuhlisa izivumelwano ezifanelekileyo kunye kunye nenqanaba elifunayo lemali engenayo.
Ukudala iSicwangciso seShishini sokuPhuma
Emva kokuba uqonda ii-D'ezine, zibandakanya izenzo ezilandelayo ekudalweni kwesicwangciso sakho sokuphuma kweshishini:
- Cinga ukubandakanya ibhizinisi lakho elincinci ukuba uzibonele wena kunye nebhizinisi lakho njengamashishini ahlukeneyo ngokusemthethweni
- fumana indlela yokuqulunqwa kwexabiso lenkampani enokuthi yenziwe okungenani ngonyaka kwaye iya kuzuza phantsi kwemiqathango ye-IRS
- ukuphuhlisa isicwangciso senzuzo somqeshwa esiza kuncedisa ekuhambeni kweqabane ngalinye xa kwenzeka ukufa, ukukhubazeka okanye umhlalaphantsi
- Isicwangciso sokuba ngubani ogcina ubunikazi beenkampani kwaye ohlawulwayo
I dream yaseMelika enkulu kukuba: ukwakha ishishini lakho; kuzisa e bomini; kuphumelele. Indlela oceba ngayo iqhinga lakho lokuphuma kwe shishini liza kugqiba impumelelo yakho yemali. Njengoko ukwakha ibhizinisi eliyimpumelelo kuthatha icebo, umsebenzi onzima, kunye nenhlanzana encinane ngoko uhamba ngayo.
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Ngombhali weendwendwe: Brent Dees, CFP, CSA nguMongameli we-Brent Dees Financial Planning kunye nenqununu ebhalisiweyo kunye neNkxaso-mali ye-Investment Investment Corporation. Ungomnye wabacebisi abancinci kuphela kwisizwe esinezicwangciso zemali eziqinisekisiweyo kunye nabaqeshwe abacebisi abaphezulu abaqinisekisiweyo.