1. "Phantse bonke abaqashi beenkampani abahlolisisiweyo - ama-98 ekhulwini - babekwa phambili ngamava omsebenzi njengento ebalulekileyo yokuphumelela, kwaye iipesenti ezingama-58 zizibeka njengento ebaluleke kakhulu." Oku kubonakala kucacile, kodwa kuyamangalisa (abanye bangase batshabise) bangaphi abantu abaqala amashishini ngaphandle kokufumana amava afanelekileyo ngaphambili. Ndiyazi abantu abaye baqeshwe emisebenzini yabo kwaye baziva bephoqelelwe ukuba bathengise ishishini, baze bahluleka ngenxa yokuba babengenayo imodeli yokuphumelela. Oko akuthethi ukuba abantu abangenawo amava afanelekileyo akufanele babe ngabahwebi. Kuthetha nje ukuba bafuna ukuqonda i-gap kufuneka bayigcwalise kwaye bathathe ukungabikho kwabo.
2. "Ipesenti ezingamashumi amane zifunde izifundo ezifunyenwe kwiintsilelo njengoko zibaluleke kakhulu." Kukho i-Catch-22. Unokwenza ukuba ungaphumeleli kwishishini ngaphambi kokuba uphumelele. Ukuba awuzange uqalise ishishini ngaphambili, kufuneka ufunde indlela yokuphumelela ngaphandle kwemiphumo eyingozi.
Oku kunokuthetha ukuba uyazi nini ukutshintsha amacebo okanye xa ushiya utyalo-mali. Uninzi lwezinto zokuqalisa ezi ntsuku zizithuthukisa umsebenzi kunye nomsebenzi omnye wesikhathi esigcwele, umnini. Kodwa kunzima ukudlala zonke izikhundla kwiqela. Ukwazi ukuba uphumelele njani kwaye uphuhlise iqela elibonakalayo liyikhono elibalulekileyo ukuba uza kukwakha nayiphi na into ekwazi ukuyenza ngokwakho.
Kungakhathaliseki ukuba lukhulu kangakanani ingcamango yakho, uya kuba ngumntu olinganiselwe ukuba uyenze yonke into. Ukususela ekuqaleni, fumana abanye abantu ukuba benze izinto ongeke uyenze. Fumana umncedisi oncedisayo, u-outsource telesales ukufumana izikhokelo, fumana i-ofisi yakho yeCPA ukuba wenze ukugcinwa kweencwadi zakho. Ugxininisa kwizinto onokuzenza kuphela - fumana iimveliso ezintsha.
3. "Kwimizuzu engama-73 yabashishini abahlolisisiweyo, inhlanhla yayiyinto ebalulekileyo ekuphumeleleni." Kukho inyaniso kwi-adage yokuba abanye abantu benza inhlanhla. Kukho ityitikiti yelitikiti, ngoko kukho inhlanhla yokurhweba. Buza nawuphi na umnikazi webhishini ophumeleleyo ukuba yintoni eyona nto ebaluleke kakhulu eyenzeka kubo kwishishini eliye lavumela ukuba baphumelele. Ndiqinisekisa ukuba "inhlanhla" yenziwe ngeenjongo ezininzi.
4. "Unxibelelwano lwezentengiselwano lubalulekile ekuphumeleleni kwamashishini abo okwangoku ngamaphesenti angama-73 abesomashishini. Xa kuthelekiswa, ama-62 ekhulwini avakalelwa ngendlela efanayo nangomnatha womntu." Kwakhona, akukho noshishino osisiqithi. Ukwazi abantu kubalulekile. Bangaphi abantu oye wafikelela kuwo waza wazama ukunceda? Funda indlela yokudibanisa nokwandisa isandla kwabanye. Fumana ezinye iikredit credits kwaye uza kufumana indlela elula xa ufuna isandla.
5. "Iingxowa ezili-11 kuphela zoshishino lokuqala zanikwa inkxaso-mali, kwaye iipesenti ezili-9 zithole inkxaso-mali yangasese / ngelosi. Umyalezo: ukuba ucinga ukuba uya kufumana imali-mali yangasese eyimfuneko (ukuthenga, ingelosi, ubulungisa bodwa), amathuba okungafanelekanga. Mhlawumbi ufuna iimali ezivela kwi-bhanki elidala, okanye ngoncedo oluvela kwi-SBA, okanye kubazali bakho, abantakwabo okanye abanye. Uvakalelwa njani ngokubuza abantu, ngakumbi abantu obaziyo, ngemali?
6. "Ukuchonga imingcipheko yokuphumelela kwezoshishino, into ebizwa ngokuba yiyona nto ibalulekileyo-ngamaphesenti angama-98 abaphenduliweyo-ukungabikho kokuzikhethela okanye ukukwazi ukuthatha ingozi." Ukwazi umngcipheko obalwe kwisidenge kubaluleke kakhulu. Xa uzilungiselela ukuthatha umngcipheko wezoshishino, ngaba unobumba obanjelwa phezulu ngexesha lokuzivocavoca kwakho kwaye uhamba nalo, i-mortgage yesibini kunye nayo yonke into?
Okanye ufundisisa imeko ngokuzeleyo, ugobole kumanani, qinisekisa ukuba ucinge ngezinto zonke ezinokuthi zithintele, uze wenze ukuhamba kwakho?
7. "Ezinye izithintelo ... belixesha kunye nemigudu efunekayo (iipesenti ezingama-93), ubunzima bokukhulisa imali (91 ekhulwini), izakhono zokulawula ishishini (iipesenti ezingama-89), ulwazi malunga nendlela yokuqalisa ishishini (iipesenti ezingama-84), ishishini kunye nemarike ulwazi (ama-83 ekhulwini), kunye noxinzelelo lweentsapho / zemali ukugcina umsebenzi wendabuko, ozinzileyo (iipesenti ezingama-73). " Wow, kutheni nawuphi na umntu oqala ishishini? Nangona abantu abaphumelele ngokwenene baphula iingxaki ezinkulu kunye nobunzima. Zonke izizathu zokukholelwa, ukuba unokuya kumashishini-mveliso, ukuba akukho nto ungayenza-yenza loo nto ungayenza.