Ixabisa malini ipakethi yecubaIxabiso lokutshaya kunye nenyaniso engasemva kwalo ngokwembono yomahluko wamaxabiso

Emehlweni abantu abaninzi, iicuba luhlobo "lwezinto ezilungileyo kubathengi bemihla ngemihla", kodwa xa ubala iindleko zexesha elide, uya kufumanisa ukuba iindleko zokutshaya ziphezulu kakhulu kunokuba bekucingelwa. Ngoko ke, ingakanani ipakethi yeecuba ngqo? Kutheni umahluko wamaxabiso ubonakala kangaka phakathi kwamazwe ahlukeneyo, imimandla, kwaneempawu? Eli nqaku liza kuqhuba uhlalutyo olunzulu lokwakheka kwamaxabiso ecuba, umahluko wehlabathi, kunye neendleko ezifihliweyo zexesha elide kwiimbono ezahlukeneyo, ukukunceda uqonde ngokupheleleyo umbuzo obonakala ulula kodwa ungelula kangako othi "Iicuba zibiza kangakanani?"

Ithini ixabiso eliqikelelweyo le-ipakethi yecuba?

Ehlabathini lonke, akukho mgangatho ufanayo wexabiso le-ipakethi yecuba.

Amaxabiso aqhelekileyo kumazwe ahlukeneyo

Ehlabathini lonke, ixabiso le-ipakethi yecubangokubanzi, ingahlulwahlulwa ibe ziintlobo ezintathu:

Uluhlu lwamaxabiso aphantsi: malunga ne-1 ukuya kwi-3 yeedola zaseMelika

Uluhlu lwamaxabiso aphakathi: malunga ne-4 ukuya kwi-8 yeedola zaseMelika

Uluhlu lwamaxabiso aphezulu: $10 okanye nangaphezulu

Oku kuthetha ukuba okufanayoipakethi yeecuba ezingama-20, ixabiso lingahluka ngokuphindwe kahlanu okanye kalishumi nangaphezulu kumazwe ahlukeneyo.

Kutheni kukho umahluko omkhulu kangaka wamaxabiso?

Ixabiso lecuba alikho nje ixabiso lecuba ngokwalo, kodwa liphenjelelwa zizinto ezininzi:

Umgaqo-nkqubo werhafu karhulumente

Uqeqesho lwezempilo yoluntu

Iindleko zokungenisa kunye nokusasaza

Inqanaba lokusetyenziswa kwendawo

Ngoko ke, umbuzo othi “Ingakanani ipakethi yecuba?” kufuneka uphendulwe kunye namazwe kunye nemimandla ethile.

Izinto eziphambili zeamaxabiso esigarethi

Ukuze siqonde ngokwenene ukuba kutheni icuba libiza kakhulu (okanye lingabizi), kubalulekile ukwahlulahlula indlela elibiza ngayo.

Irhafu yecuba: Into enexabiso eliphezulu

Kumazwe amaninzi, irhafu yecuba ibangela uninzi lwamaxabiso ecuba, kwaye kwamanye amazwe, irhafu ide ifikelele kwi-60% ukuya kwi-80% yexabiso lokuthengisa.

Injongo yayo ayisiyongeniso yemali kuphela, kodwa okubaluleke ngakumbi:

Nciphisa izinga lokutshaya

Nciphisa ukuvezwa kolutsha kwicuba

Nciphisa umthwalo wexesha elide kwinkqubo yezonyango

Le yimbangela yokubaamaxabiso esigarethi kumazwe amaninzi aphuhlileyo ayaqhubeka nokunyuka.

Umahluko phakathi kwebhrendi kunye nezikhundla

Ayizizo zonke iicuba ezithengiswa ngexabiso elifanayo

Iimpawu ezaziwayo zamazwe ngamazwe zihlala zibiza kakhulu

Iimpawu zasekuhlaleni okanye iimveliso ezinetha esezantsi zibiza kancinci

“Iicuba ezikumgangatho ophezulu” zihlala zigxininisa ekupakishweni, incasa kunye nomfanekiso

Kwidolophu enye, akuqhelekanga ukuba umahluko wamaxabiso ngephakheji phakathi kweempawu ezahlukeneyo ufikelele kwi-20% ukuya kwi-50%.

Impembelelo yeendlela zokuthengisa

Indawo yokuthenga inokuchaphazela ixabiso

Iivenkile ezingahlawulisi rhafu kwizikhululo zeenqwelo-moya zihlala zibiza kancinci

Amaxabiso kwiibhari nakwiiklabhu zasebusuku aphezulu kakhulu.

Amaxabiso eevenkile ezincinci atshintshatshintsha ngakumbi

Esi sesinye sezizathu zokuba abantu abaninzi abatshayayo badla “ngokulungisa indawo abathenga kuyo”.

Ekugqibeleni, kubiza kangakanani ukutshaya?

Ukuba umntu ujonga kuphela “ixabiso lephakheji”, abantu abaninzi banokucinga ukuba isamkeleka. Kodwa kwelinye icala, impendulo yahlukile ngokupheleleyo.

Ibalwa ngokusekelwe kwiphakheji enye ngosuku

Ingqikelelo

Ixabiso lepakethi nganye yecuba yi-6 yeedola zaseMelika

Ipakethi enye ngosuku

Ngoko ke:

Ixabisa malunga ne-180 yeedola zaseMelika ngenyanga

Ixabisa malunga ne-2,160 yeedola zaseMelika ngonyaka

Iminyaka elishumi ingaphezulu kwe-20,000 yeedola zaseMelika

Oku akubandakanyi amathuba okunyuka kwamaxabiso.

Iindleko ezifihlakeleyo zihlala zinganakwa

Ngaphandle kwemali echithwa ngokuthe ngqo kwiicuba, kukwakho nezinye iindleko ezidla ngokungananzwa

Inkcitho yezonyango inyukile

Iprimiyamu yeinshorensi inyukile

Ukuncipha kokusebenza kakuhle komsebenzi

Iindleko ezongezelelweyo ezibangelwa ziingxaki zamazinyo, ulusu kunye nenkqubo yokuphefumla

Ngokwembono yexesha elide, ixabiso lokwenyani lokutshaya liphezulu kakhulu kunemali echithwa kwicuba.

Kutheni amazwe amaninzi enyusa amaxabiso ecuba rhoqo?

Kwiminyaka yakutshanje, amazwe amaninzi ebesoloko enyusa amaxabiso eemveliso zecuba, kwaye oku akuyongozi.

Impilo yoluntu yeyona nto iphambili

Izifundo zibonisa ukuba xa amaxabiso ecuba enyuka nge-10%, izinga lokutshaya liyehla kakhulu, ingakumbi xa lichaphazela ulutsha.

Ngoko ke, ukunyusa amaxabiso kuthathwa njengenye yezona ndlela zisebenzayo zokulawula icuba.

Ukunyuka kwamaxabiso luhlobo "lokungenelela kokuziphatha".

Xa kuthelekiswa nokuthintela ngokuthe ngqo: Ukunyusa amaxabiso kulula ukukusebenzisa

Ukuxhathisa kwezentlalo kuncinci kakhulu

Ingatshintsha kancinci kancinci imikhwa yokusebenzisa

Kungoko ke, nakwiindawo ezisebenzisa kakhulu icuba, amaxabiso eqhubeka enyuka.

Kuthetha ukuthini oku kubathengi abaqhelekileyo?

Kubantu ngabanye, utshintsho kwixabiso lecuba lubonakalisa imikhwa enzulu.

Ukutshaya kuya kuba "yindlela yokuziphatha ebiza kakhulu"

Ngokwembono yemali, impilo kunye noluntu, ukutshaya kuya kutshintsha kancinci kancinci ukusuka ekubeni “ngumkhwa” ukuya ekubeni lukhetho oluneendleko eziphezulu.

Imbuyekezo yezoqoqosho yokuyeka ukutshaya ithe ngqo kakhulu

Eyona mvakalelo icacileyo yabantu abaninzi ababhemayo abaye bayeka ukutshaya yile:

Ibhalansi yenyanga inyuke kakhulu

Ayisekho ngxaki ngamaxabiso

Uxinzelelo lwezemali luncitshisiwe

Ngokwahlukileyo koko, umbuzo othi “Ingakanani ipakethi yecuba?” uhlala uba sisizathu esibalulekileyo sokuyeka ukutshaya.

Isishwankathelo:

Ipakethi yecuba ayisiyonto nje ebiza ixabiso

Xa kujongwa phezulu, “Ingakanani ipakethi yecuba?” kubonakala ngathi ngumbuzo olula wokusebenzisa, kodwa xa kuhlalutywa ngokunzulu, kufunyaniswe ukuba oku kuquka:

Ukuqhelaniswa nomgaqo-nkqubo

Impilo yoluntu

Ucwangciso lwezemali lomntu ngamnye

Umgangatho wobomi bexesha elide

Ukunyuka okuqhubekayo kwamaxabiso ecuba akuyongozi kodwa yinto eqhelekileyo kwihlabathi liphela. Ukuba uphinda uhlolisise indlela osebenzisa ngayo icuba, ungaqala ngokubala "ixabiso lokwenyani lecuba", elihlala lizisa utshintsho olungalindelekanga.

Iithegi: #icuba #ibhokisi yecuba #ibhokisi yecuba eyenziwe ngokwezifiso