Yiyiphi iMboleko ehambayo kwiShishini soShishino
Umboleki ufuna ukwazi izinto ezimbini kuphela:
1. Ufuna ntoni?
2. Uya kulihlawula njani?
Yiyo leyo. Yonke into ihamba nje.
Awudingi isicwangciso seshishini se-200 ukuxelela lo bhanki.
Khumbula i-KISS - Gcina ifutshane kwaye ilula. Ngaphambi kokuba uqale, hlaziya inqaku lam kwindlela yokudala isicwangciso seshishini ngesinyathelo .
Isicwangciso soShishino oluqhelekileyo Iziphoso
Kwizinkulungwane zezicwangciso zoshishino ndiye ndazihlaziya ngokudlulileyo kwiminyaka, ezi ziphoso ziqhelekileyo:
Ukungasebenzisi umntu wesithathu.
Bhala nje ukuba awuyena umnikazi webhishini, kodwa umbhali oqashiweyo othetha ngoshishino. Ukuthi, umzekelo, "I-XYZ Corporation iya kuvula iingcango zayo ngoSeptemba 1, 2010 ...." kungekhona "Siya kuvula iingcango zethu ...." Umntu wesithathu uvakalisa uqeqesho olunjengeengcali kunye nobungcali-bhanki. Ukuba usebenzisa umntu wokuqala, uvakala ukuvakala njenge-cheerleader kwaye ungaphantsi njengomntu onengqiqo. Ndiyazi ukuba kubonakala kuyicala; Ndithembele kona kulo.
Ukungakhangeli iiNombolo.
Ukuba isishwankathelo sakho sogqirha sithi ufuna i-$ 158,000 kunye neepredishithi zakho zibonisa ukuba ufuna i-$ 190,000, ibhanki yakho iya kubuza ubuchule bakho.
Wonke amanani afanele ahambelane kuzo zonke iicandelo zesicwangciso soshishino. Omnye umzekelo, ukuba uthetha ngabaqeshwa abathathu, kodwa ukuhamba kwakho kwemali kubonisa kuphela umvuzo / iintlawulo enye, unamaphutha okuqhubekayo. Ngaba umntu uhamba ngesicwangciso ngaphambi kokuba uyithumele, nje ukujonga zonke iinombolo.
Akuqiniseki ukuba yonke into iphelele.
Ndibambe ezininzi iimpazamo zokuthayibhile, ukuphosa iimpazamo, iziqendu zesigwebo kwizicwangciso zoshishino.
Isicwangciso sitshintshile amafonti amaninzi amaninzi, emva nangaphandle ukusuka kwiArial ukuya eTahoma. Iifoto okanye iirafu zazingamaphepha angalunganga. Ukuba neziphene kwisicwangciso sakho sezoshishino zithumela umyalezo kumboleki wakho ongazikhathalele ngeenkcukacha.
Ukuba neenjongo.
Umboleki ufuna iinjongo, ayikho into ethembekileyo. Ngokomzekelo, uqikelele ngaphezu kweendleko zakho kwaye ungaphantsi kwemilinganiselo yakho yengeniso. Umboleki ufuna ukubona oko kuza kwenzeka ukuba "imeko enzima" yenzeke. Sebenzisa iitshathi ezinentsingiselo, iigrafu, izitatimende zemali, okanye iipredishithi ukubonisa ukuba ukuhamba kwakho kwemali kuza kubonakala njani. Hlanganisa nohlalutyo-nokuba luhlalutyo , ngoko umboleki-mboleko unokubona indlela kwaye nini uza kuqala ukwenza inzuzo. Musa ukuchitha iphepha elibonisa indlela ebalulekileyo ngayo ishishini lakho; kuthetha malunga nendlela eya kunika ngayo inzuzo kubathengi bakho kunye nendlela eyahluke ngayo kumncintiswano.
Ukudibanisa imali ngeenzuzo.
Ibhizinisi lakho linokuba luncedo kwaye awukwazi ukufumana imali. Ngaphandle kokungena kwemali ngokukhawuleza kwixesha elifanelekileyo, ishishini lakho aliyi kuba ne- solvency (ukukwazi ukuhlawula iindleko zalo) okanye ukuhlala ixesha elide (ukusinda). Akukho mali esho ukuba imboleko yemashishini ayiyi kubuyiselwa kwaye uvala iingcango zakho. Bonisa indlela ukuhamba kwakho kwemali kuza kuxhaswa ngayo imali yakho mboleko.
Ukushiya Imibuzo Engaphenduliweyo.
Musa ukucinga ukuba umboleki wakho uyazi malunga nebhizinisi lakho. Yenza sengathi u-idiot (kungekhona into engeyinyani, kwiimeko ezininzi), ubuncinane malunga nezoshishino ongena kuzo. Ngaba umntu ongekho kwi shishini lakho ufunde isicwangciso seshishini kwaye abuze imibuzo. Emva koko ufake ezo mibuzo kwisicwangciso kwindawo efanelekileyo. Ukuba abathengi abadidekileyo abazithengi, ukudideka kwamabhanki akuboleki.
Akubandakanyi iSishwankathelo seSigqeba .
Iimali mboleko zoshishino zihlala ziphakamisa umgca kwibhanki, kwaye abaphathi abaphakamileyo bafuna ukwazi "umgca." Mxelele nje (1) isivakalisi okanye amabini malunga neshishini lakho, (2) ubuninzi obunayo, ngamanani okanye ngetshathi elula, kwaye (3) njani ulindele ukuhlawula umboleko. Yiyo leyo. Akukho namaphepha angaphezu kwamanye amabini okufunekayo.
Indlela yokulungisa ezi mpazamo
Uninzi lwezi mpazamo lunokusombulula ngokuba nabantu abaninzi bafunde isicwangciso sakho.
Buza umntu ngamnye ukuba ahlaziye into ethile apha ngasentla aze abatshele ukuba bafune ntoni. Thola igrammarian / umbhali ukuphonononga isicwangciso. Khumbula, ayikho ithuba lesibini lokwenza umboniso wokuqala wokuqala.