Chibvumirano Chengetedza vs. Kudzoka
Kubhadhara ndiyo mari inoshandiswa nehomwe yemwedzi kana yega yega.
Muridzi wekutsvaga anogona kutora mari iyi mufananidzo we cheki kana kudzorera zvakare muchikwama kutenga zvigaro zvitsva. Kune nzira dzakasiyana-siyana dzekuverenga chibereko, izvo zvinogona kuva chikonzero chekuvhiringidzika kuvashambadzi vakawanda, asi nhamba idzi dzakasiyana dzinotsanangurwa munyaya yangu, Chii Chibereko Chokupararira? Chinonyanya kukosha ndechekuti kana mari yemugove yemari isingashanduki uye yakabhadhara muchero we5% mugore rakapiwa, kudzoka kwemari zvacho kwaizova 5% mugore iroro.
Zvinosuruvarisa, hazviwanzoshanda nenzira iyo muupenyu hwehupenyu. Mukuwedzera kune kudzoka kwakapiwa zvibereko, kuchinja kwezuva rimwe nerimwe mumutengo wemugove (kana kuti "mutengo wemari inoshandiswa") inopawo mupiro wekudzoka kwakakwana. Mugore rakapiwa, kuchinja uku kunogona kukonzera kudzoka kwakakwana kuve kwakakwirira kana kuti kuderera kudarika chikwama chegorosi. Kana mari inobhadhara 5% inewo kuwedzera kwe5% mugoverwa wayo, mugove wayo wose ndewe 10%. Kana iyo imwe yega yega inosangana ne5% inoderedza mutengo wayo wegoverwa, kudzoka kwakakwana 0%.
Zvichienderana nemhando yemari, izvi zvingashandurwa zvinogona kunge zvakasiyana-siyana zvekudzoka. Semuenzaniso, mari yakawanda-yakasununguka uye inowanzobuda yemari yemari yekushambadzira mari inowanzove yakakura zvikuru kudarika mari shoma yenguva yezvisungo iyo inowedzera mune zvakachengetedzwa zvepamusoro. Vasati vaita mari muchikwama, varimi vanofanira kuve nechokwadi chokuti vanonzwa vakasununguka nekukwanisa kusagadzikana.
Kunyange zvazvo mari inobhadhara muhukodhi hwehutano hwakawanda inowanzova nezvibereko zvakakwirira kudarika imwe chikwereti chebhadha chinoshandisa mari yepamusoro-chekuita, chiyero chekushanduka kukuru kunogona kunge kusina kukodzera kune vashandi vane hutambudziro husingatauri kana kuti vangada mari nguva yemberi iri pedyo.
Kupihwa Kugoverwa kweGadhe Gains Kunobatsira Chikwama Chebhengi Chidzoka
Gore roga roga, mari zhinji inobhadhara mari yakawanda pamari yavakaita kuburikidza nekutenga uye kutengesa zvigumisiro. Iyi iyi nyaya yakaoma, asi iwe pane zvimwe zvinokosha zvinokosha kuti uchengete mupfungwa:
- Kuwana mari inowanikwa mukukwereta kunokonzera kuderedzwa kwakaenzana mumutengo wemugove wemugove (kureva, mari yebhadharo inosvika $ 10 iyo inopa kubhadharwa kwemazana makumi maviri ichaona kugoverwa kwayo kugoverwa ku $ 9.80). Pasinei nehope yekutengesa mutengo, kudzoka kwakakwana kusina kuchinja nokuti wakagamuchira musiyano muhuwandu hwekutsvaga kuwanikwa.
- Vashandi vanogona kudzorera mari yacho nokutenga mamwe mashomanana, kana vanogona kutora kugoverwa semari. Chero nzira, munhu ane chikwama mumatare etareta kazhinji anowanzobhadhara mitero pakuparidzirwa - izvo zvinoreva kuti mushure mekubhadhara kwenyika kuzodzoka kunoderedzwa nemutero wemutero wakabhadharwa.
- Kudzokorora kwakazara kunotsanangurwa mune zvenhau uye kune mamwe masayiti emakambani ekubhadhara mari anotora kudzorerwa kwezvese zvikamu uye zvikwereti.
- Kunze kwekuti iwe uchida mari yekubhadhara mari, zvinoshandiswa kuti udzorerezve kuparidzirwa sezvo inobvumira simba rekugadzirisa kushanda mukufarira kwako.
The Bottom Line
Vashandi vanofanirwa kuchenjerera kuti vasavhiringidza zvibereko nekudzoka kwakakwana. Kungofanana nehomwe yezvikwama zvakasarudzwa zvinokwana 7% hazvirevi kuti ndiko kudzoka chaiyo pane iwe wekutsvaga. Mugore rakapiwa, kuchinja kwechikwama chechikwama chikamu chemari, chikwereti chemari inowanikwa kune vashandi vayo uye nenyaya dzomutero wako wekutere zvinoreva kuti iwe shure kwekubhadhara mutero kunogona kusiyana.
Nezvemari haigone kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.