EZEMALI

Ukuphathwa Kwempahla Okusebenzayo Ukuphathwa kwempahla kuyisici esibalulekile ekugcineni imisebenzi yebhizinisi ibushelelezi, kungaba sezitolo, ekukhiqizeni, ekusabalaliseni, noma emabhizinisini amancane naphakathi. Impahla eningi kakhulu ingabopha imali, yandise izindleko zokugcina, futhi yandise ingozi yokuphelelwa yisikhathi noma yokuphelelwa yisikhathi. Ngakolunye uhlangothi, impahla encane kakhulu ingaholela ekupheleni kwesitoko, ukulahlekelwa ukuthengisa, ngisho… Funda kabanzi

Ukuqonda Izimiso Zokutshalwa Kwezimali ZikaWarren Buffett UWarren Buffett waziwa njengomunye wabatshalizimali abaphumelele kakhulu emlandweni. Ngenkampani yakhe yokutshalwa kwezimali, iBerkshire Hathaway, ufakazele ukuthi isu elihlelekile, elilula, nelihambisanayo lingakhiqiza ukusebenza okungavamile kwesikhathi eside. Abantu abaningi bacabanga ukuthi impumelelo yakhe ivela "emaqhinga" ayinkimbinkimbi noma ikhono lokubikezela imakethe, kodwa empeleni uBuffett ugcizelela... Funda kabanzi

Ukunquma Izindleko Zezimpahla Ezithengisiwe Ukunquma izindleko zezimpahla ezithengisiwe (COGS) kungenye yezinyathelo ezibaluleke kakhulu ekuqhubeni ibhizinisi lokukhiqiza noma yiliphi ibhizinisi elikhiqiza izimpahla ngokuzimela, kufaka phakathi ama-MSME enza imikhiqizo eyenziwe ekhaya. I-COGS isebenza njengesisekelo sokubeka amanani okuthengisa, ukubala inzuzo, ukulawula izindleko, kanye nokwenza izinqumo zebhizinisi ezinembile kakhudlwana. Amaphutha ekubaleni i-COGS anga... Funda kabanzi

Indlela Yokuhlukanisa Izimpahla Zokutshalwa Kwezimali Ukuhlukanisa izimpahla zokutshalwa kwezimali kungenye yezimiso ezibaluleke kakhulu emhlabeni wezezimali. Kalula nje, ukuhlukahluka kusho ukuhlukanisa izimali ezinhlotsheni eziningi zezimpahla ukuze kuvinjelwe ingozi ukuthi ingaqongelelani endaweni eyodwa. Abatshalizimali abaningi abasafufusa bayalingeka ukufaka yonke imali yabo ethuluzini elilodwa, elibonakala linenzuzo, kodwa leli cebo lingaholela kalula ekwehlulekeni kwephothifoliyo... Funda kabanzi

Izinzuzo Zokutshala Imali Emafektri: Ukutshalwa kwezimali empahla sekuyisikhathi eside kubhekwa njengenye yezinketho ezidumile kakhulu zokwakha ingcebo. Phakathi kobuningi bezinto zokutshala imali zesimanje ezifana namasheya, izimali ezihlanganyelwe, kanye nezimali zedijithali, impahla isalokhu ikhanga ngenxa yemvelo yayo ebonakalayo, ukuthambekela kwayo ekukhuleni kwenani, kanye nethuba lemali engenayo engasebenzi. Kwabaningi, ukuba nendlu, umhlaba, noma iyunithi… Funda kabanzi

Izimiso Eziyisisekelo Zokuphathwa Kwezimali Zasekhaya Ukuphathwa kwezimali zasekhaya kuyikhono lokuphatha imali engenayo yomndeni kanye nezindleko ngendlela ehleliwe ukuze kuhlangatshezwane nezidingo zamanje, kufezwe imigomo yesikhathi esizayo, futhi kubhekane nezingozi zezimali ngaphandle kokwesaba. Imindeni eminingi izithola "ichitha imali yayo ngokushesha," hhayi nje ngenxa yemali engenayo eyanele, kodwa ngenxa yokuntuleka kohlelo. Izindaba ezinhle ukuthi ukuphathwa kwezezimali... Funda kabanzi

Ukuphatha Ezezimali Lapho Uqhuba Ibhizinisi Lomndeni Ukuphatha ibhizinisi lomndeni kuvame ukubonwa “njengokunethezeka” ngoba kwenziwa ngabantu abaseduze nabathembekile. Kodwa-ke, ngenxa yobuhlobo obuseduze bomndeni, izindaba zezimali zingaba umthombo omkhulu wezingxabano uma zingaphathwa kahle. Amabhizinisi amaningi omndeni, yize enemikhiqizo emihle kakhulu namakhasimende athembekile, abhekene nobunzima bokugcina amarekhodi... Funda kabanzi

Izindlela Ezihlakaniphile Zokusebenzisa Umkhawulo Wekhadi Lakho Lesikweletu Amakhadi esikweletu avame ukubhekwa “njengenkemba esika nhlangothi zombili.” Ngakolunye uhlangothi, enza kube lula ukuthengiselana, ahlinzeke ngokuguquguquka kwemali engenayo, futhi anikeze ukukhushulwa okuhlukahlukene. Ngakolunye uhlangothi, ukusetshenziswa okungahlakaniphile kungaholela ekukhuleni kwezikweletu, amazinga enzalo aphezulu, kanye nokucindezeleka kwezezimali. Isihluthulelo akukhona nje ukuba nekhadi lesikweletu, kodwa ukuqonda ukuthi ungalisebenzisa kanjani ngokuhlakanipha... Funda kabanzi

Indlela Yokutshala Imali Esikhwama Somhlalaphansi Ukuhlela umhlalaphansi akuseyona inketho, kodwa kuyisidingo. Izindleko zokuphila ziyaqhubeka nokukhuphuka, isikhathi sokuphila siyanda, futhi izindlela zokuphila ngemva kokuthatha umhlalaphansi zivame ukudinga uxhaso oluzinzile. Yilapho isikhwama somhlalaphansi siba khona ithuluzi elibalulekile: sikusiza ukuthi wakhe ukonga isikhathi eside ngendlela ehlelekile, ehlelekile, nephephile ukuze… Funda kabanzi

Ukubala Izindleko Zokukhiqiza Ebhizinisini Uma usebenzisa ibhizinisi, ikakhulukazi elikhiqiza izimpahla (ukudla, imisebenzi yezandla, izingubo, kanye nokukhiqiza okukhulu), ikhono lokubala izindleko zokukhiqiza liyisisekelo esibalulekile sokunquma amanani okuthengisa, ukuhlola inzuzo, kanye nokwenza izinqumo zokusebenza. Amabhizinisi amaningi abonakala enokuthengisa okuqinile, kodwa ekugcineni athola inzuzo ephansi noma ngisho nokulahlekelwa ngoba izindleko zokukhiqiza azibalwa kahle. … Funda kabanzi