Indleko yendleko yindleko yendlela engaphambili. Ukuba ukhethe enye enye ingaphezulu kwenye, ke indleko yokukhetha enye indlela yindleko.
Ixesha leendleko zexesha eliqhelekileyo lisetyenziswe rhoqo kwizezimali nakwezoqoqosho xa uzama ukukhetha enye imali-mali, okanye i-capital, ngaphezu kwelinye. Ingumlinganiselo woluphi uhlobo lwezoqoqosho olukhethiweyo xa luqhathaniswa nelona elilandelayo.
Ngokomzekelo, kukho indleko yithuba xa ukhetha utyalo-mali kumabhonkce ngaphezu kotyalo-mali kwiimpahla.
Kutheni Ikhefu libiza ixabiso
Iindleko zamathuba azikho nje kuphela kwizigqibo ezenziwe ngabathengi, kodwa kwezinye izigqibo kunye nemveliso, ukulawula ixesha kunye nokwabiwa kwemali.
Ezinye zeMali zeZenzo
Xa ubhekisela kwiindleko zithuba, abatyali-mali bavame ukukubona njengeenzuzo onokuzifumana ngokuthatha enye inxaxheba yezemali.
Ukwahlukana ngokubuyisela phakathi kotyalo-mali otyunjweyo kunye nolunye uhlobo oluthile olukhethekileyo luyindleko yamathuba akho. Ngokomzekelo, ukuba utyalomali esitokisini kwaye ubuyisela i-3% kuphela ngonyaka, kwaye unike ithuba lokutsalwa kwetyala lokunika i-8%, iindleko zakho zithuba li-8% -3%, elingu-5%.
Ngokomzekelo, kukho indleko yithuba xa ukhetha utyalo-mali kumabhonkce ngaphezu kotyalo-mali kwiimpahla.
Ixabiso leNkcitho libukwa njenge-Off-Off
Abanye abatyali-mali bajonga iindleko zithuba njengorhwebo-off.
Ngoko ukuba ukhethe ukutyalomali kwiibhondi zikaburhulumenteni ngaphezu kweengqolowa ezinobungozi obuphezulu, yinto yokurhweba ekubuyeleni oyikhethile.
I-Trade-offs xa uvumela enye inketho kwenye. Kukho ukurhweba okubandakanyekayo nasiphi na isigqibo esidinga ukhetho olulodwa okanye olunye. Umzekelo, ukuba ukhetha ukungena kwenye indawo yokutyela ukuze udle kwelinye, oko kukurhweba.
Ukhethile ukufunda eli nqaku endaweni yokufunda enye, ukujonga iphepha lakho le-Facebook okanye ukubukela umabonwakude. Wenze ukhetho olubangele ukuhweba. Ubomi bakho bubangelwa izigqibo zakho zangaphambili. Oko , ngokwenene, yintetho yeendleko zithuba.
Yintoni Ubungakanani Bentlawulo Yethuba?
Ukuba utyalo-mali ezimbini lunako ukuvelisa ukubuyela okufanayo, kodwa enye ifuna ukuba ubophe imali yakho iminyaka emibili, ngelixa omnye engakuvumeli ukuba uthinte imali yakho iminyaka eyi-10, kufuneka wenze isigqibo esekelwe kwindlela omanzi ngayo ufuna imali yakho.
Enye inketho inokuba yinto enqwenelekayo ngokusekelwe kwisilinganiselo sokubuya, kodwa enye inketho inokubhenca ngokubhekiselele kwimfuno yokuba imali yakho ibe yelwelo.
Ixabiso elikhulu lamathuba xa kufikelele ekuhlaselweni kwezimali kubandakanya ithuba lokuba ungadlulisela "utsalomali" olushushu ngenxa yokuba awukwazi ukufumana izandla zakho kwimali yakho eboshwe kwelinye utyalo-mali.
Amanqaku afanelekileyo:
- Indleko Indleko Inkcazo
- Ziyintoni Iindleko Zobunzima?
- Isikhokelo sokuQonda iZiseko zeNkcitho
- Ayikho into efana neFree Lunch: Isifundo ngeNdleko yeNtlawulo