Ekupheleni kwalo mzekelo unxibelelwano lweesepredishithi ezimbini, enye isampuli enye enye ingenanto ikulungele ukubala isivuno semali yokuqeshisa kunye neengxowa-mali-ngenkokhelo eziqashisayo kwiimveliso zakho.
Intlawulo yokuThengisa iNtengiso:
Imali yokuRhawula yenyanga eyi-$ 2,400.00
Ipesenti zonyaka ongenakugcinwa 5%
Phuma kwiZithuba zoNyaka weeNkcazo kwi-$ 27,360.00
Indleko yomshuwalense wonyaka i-$ 1,200.00
Imirhumo yonyaka i-$ 1,400.00
Ukuhlaziywa kohlahlo lwabiwo-mali lwama-600.00
Ipesenti yeRhafu yeMgmt Intlawulo ye-6%
Ezi zindleko zizonke kwi-Cash yonyaka ephuma kwi-$ 4842
Ingeniso ye-$ 27,360 yokunciphisa ixabiso le-$ 4842 = i-22,518 yerhafu yengeniso emva kweendleko
Iindleko zokufumana iipropati ezingama-300,000.00
I-22,518 idilesi ehlulwe ngokwexabiso lepropati ye-300,000 = Ixabiso lokuqeshiswa kwexabiso le-7.5%
Ukukhokhiswa kwemali yengeniso:
Imali yokuRhawula yenyanga eyi-$ 2,400.00
Ipesenti zonyaka ongenakugcinwa 5%
Phuma kwiZithuba zoNyaka weeNkcazo kwi-$ 27,360.00
Iindleko zokufumana iipropati ezingama-300,000.00
Intlawulo engaphantsi kweTyala - Intlawulo e-$ 60,000.00
Inani lemali mboleko $ 240,000.00
Inkokhelo yeNyanga yeNyanga / Inzala ka-1,556.64
Indleko yomshuwalense wonyaka i-$ 1,200.00
Imirhumo yonyaka i-$ 1,400.00
Ukuhlaziywa kohlahlo lwabiwo-mali lwama-600.00
Ipesenti yeRhafu yeMgmt Intlawulo ye-6%
Ezi zindleko zizonke kwi-Cash yonyaka-mali engama-23,521.28
Ingeniso ye-$ 27,360 yokunciphisa ixabiso leedola ezingama-23,521 = imali engama-3839 yemali yokubuyisela imali
U-3839 wamawaka ahlukeneyo ngokutyalwa kwemali eyi-60,000 yeeRhafu = Ukuhlawulwa kweeNgxowa-mali kwiRhafu yeeRhafu ezi-6.4%
Umngcipheko ngembuyekezo
Xa kufika kumngcipheko, bambalwa bengaxela ukuba ngexesha elifutshane i-market market ingaba yingozi kakhulu. Emva kwexesha iiblips zihlala zilungele kwaye zibuyele kumzila.
Kodwa, ukuba awukwazi ukulinda ukuba ungalahlekelwa yimali lula. Ingxelo encinci yeendaba ezimbi okanye ingxelo engafanelekanga yemali ingathatha isitoreji phantsi kanzima kwithuba elithile.
Ikhaya elikhethiweyo eliqeshwe ngokufanelekileyo liya kunika ukuhamba kwemali ngokukhawuleza kwenyanga kwaye kube ne-insulated kwiindaba ezimbi zezoqoqosho. Umqeshi usafuna indawo yokuhlala, nangona ukuba imarike yesitokisi isanda kuthatha i-dive. Ngaphezulu kwexesha elide, kufuneka ube nokwakha ubulungisa ngokuxabisa ixabiso kunye nokuhlawula imali. Olu lingano lunokuthi lufakwe kwezinye iityala.
Buyela kwi Investment
Iibhondi zingekho mngcipheko omncinci, kodwa i- trade-off iyinzuzo ephantsi . Umdla weBond kwiindawo ezikhuselekileyo zikamasipala kunye nezikarhulumente ziphantsi kunezibophelelo zenkampani, kodwa ezo azinjalo ngokwenene. Njengoko ndibhalela oku, i-Moody's Aaa Bond Bond Yi-3.6% kuphela. Kunzima ukuthokoza ngoku, ngokukodwa xa uthatha umhlalaphantsi kwaye ufumane imali engenayo.
Ukuhamba kwemali nganye yenyanga yokuhlala efanelekileyo kunokubonelela ngokuphindwe kabini ezo ntlawulo, ngokukodwa ngeenzuzo zerhafu ongazifumana kunye nezinye iintlobo zeefa. Ungasebenzisa kwakhona umyinge kunye nemali yesondlo. Esikhundleni sokuthatha imali eyi-150,000 kwiibophelelo zokuthenga imali yemali, unokuphuma ngaphandle kweedola ezingama-30,000 ukuhlawula imali kwaye uhlale ulwahlukileyo kunye nokubuya okungcono kwi-investment yakho.