Ngisho noma ungumshayeli ocophelelayo, izici ezimbalwa ezidlalwayo zingabangela ingozi yemoto njengabanye abashayeli noma izilwane zasendle ezeqa emgwaqeni.
Kungokwemvelo ukuzibuza ngesinxephezelo esingase sibe khona ngemva kokuthola ingozi yemoto. Lesi sihloko sabelana ngenani elilinganiselwe lenkokhelo ongalilindela, ukuthi libalwa kanjani, kanye nezici ezihlukene ezithonya inani lokugcina.
Ukulungiswa Kwengozi Yemoto: Ungayithola Malini
Inani lesinxephezelo sesimangalo sengozi yemoto liyahlukahluka ngomthombo. Kodwa-ke, ungalindela ukukhokhelwa kuze kufike ku-USD $20,000. Sekushiwo lokho, abanye abantu bangathola ngaphansi kuka-USD$10,000.
Ngokusho the Isikhungo Semininingwane Yomshuwalense, isilinganiso sesimangalo sokulimala komzimba ngemva kwengozi yemoto singaphezu kuka-USD$20,000. Ngaleso sikhathi, isimangalo somonakalo wendawo cishe singama-USD $4,700. Ucwaningo oluvela e-Martindale-Nolo luveza ukuthi izicelo zezingozi zezimoto kusukela ngo-2015 kuya ku-2020 zinesilinganiso sokukhokhelwa cishe kwe-USD $ 24,000.
Zibalwa Kanjani Ukuhlaliswa Kwezingozi Zemoto
Uma uke waba sengozini yemoto, indlela engcono kakhulu yokuqinisekisa lokho uyanxeshezelwa ngoba ukulimala kwakho kanye nokulimala kwempahla yakho ukuqasha umeluleki wezomthetho onolwazi. Sesikushilo lokho, ukubalwa kwesivumelwano sengozi yezimoto kuyahlukahluka kuye ngokuthi yinkampani eyodwa iye kwenye. Ngisho nenkantolo ingaba nesilinganiso esehlukile kunesommeli wakho.
Inani elijwayelekile lokukhokhwa kwengozi yemoto ngokuvamile lisekelwe kulokhu:
- Izikweletu zezokwelapha
- Ukulimala kwempahla
- Umholo olahlekile
- Ukucindezeleka ngokomzwelo
- Ubuhlungu nokuhlupheka
Izinto Ezi-4 Ezithonya Inani Lokuqedwa Kwengozi Yemoto
- Iphutha Nesibopho
Uma omunye umuntu enecala kuphela ngokudala ingozi, cishe unelungelo lokuthola zonke izindleko zomonakalo. Kodwa-ke, uma wabelana ngomthwalo wemfanelo, inani lenkokhelo cishe lizoncishiswa.
Kuye ngomthetho wesifunda sakho, ungakwazi ukufaka isicelo sezindleko zomonakalo wakho uma utholakala unecala elingaphansi kuka-50% ngokuphahlazeka.
- Uhlobo Lokulimala Nokuqina
Uhlobo lokulimala kanye nobukhulu izisulu ezibhekana nazo lapho kushayisana kungahluka kuye ngezimo. Kungaba nomthelela oqondile enanini ongathemba ukulithola.
Ngokusobala, lapho ukulimala kubi kakhulu, iba nkulu indawo yokuhlala. Isibonelo, kungenzeka uthole isinxephezelo esithe xaxa ku-a ukulimala kwengqondo ebuhlungu kunengalo ephukile.
Noma ngabe kunjalo, ungakuvumeli lokho kukuvimbe ekufuneni isinxephezelo ngokulimala okungatheni. Uma uke walinyazwa ngenxa yokushayela budedengu komunye umuntu, ngokomthetho, ufanele ukunxeshezelwa.
- Ukuthi Uthola Ukunakwa Ngokushesha Kwezokwelapha
Ukubambezeleka ekunakekelweni kwezempilo kunganika inkampani yomshwalense isizathu sokungabaza isimangalo sakho. Bangase baphikise ngokuthi ingozi ayizange ibangele ukulimala kwakho njengoba ungazange uye kuchwepheshe wezempilo kwaze kwaba amasonto ngemva kwengozi.
Kungakhathaliseki ukuthi ukulimala kwakho kungase kube kuncane kangakanani noma uzizwa ulungile ngemva kwengozi, ukuvakashela udokotela nokuthola usizo lwezempilo ngemva kokushayisana kungakhuphula ithuba lakho lokuthola isinxephezelo esifanelekile sesicelo sakho. Qiniseka ukuthi ubika zonke izimpawu zokulimala kudokotela wakho. Futhi, uma izimpawu zakho ziba zimbi noma ukulimala okwengeziwe kwenzeka ngemva kwezinsuku ezimbalwa, qiniseka ukuthi ushayela udokotela wakho ngokushesha.
- Umshuwalensi Wokuphepha
Ezifundeni eziningi, abashayeli kudingeka babe nomshwalense wesikweletu. Lokhu kusiza ekukhokheleni isinxephezelo kuzisulu zokushayisana lapho umnikazi wepholisi enquma ukuthi unephutha. Lo mshwalense unemikhawulo. Ngakho-ke uma umonakalo udlula inani lemali ekhokhwayo, umshwalense ngeke akhokhe imali eyeqile.
Kungenzeka ukuthi izisulu ziqonde ngqo fayela isimangalo ngokumelene nomshayeli wephutha ngenxa yokulahlekelwa okungahlanganisiwe kumshwalense wabo. Kodwa-ke, abanye abantu bangase bangabi nayo imali eyanele yokukhokhela umonakalo owengeziwe, ngisho noma inkantolo ibizobanikeza. Ngakho, ukuphishekela icala lasenkantolo ukuze uthole isinxephezelo eseqile kungase kungafaneleki.
Ukudla okudlela endlini
Njengoba ubona, alikho inani elijwayelekile lokukhokhwa kwengozi yemoto—ingozi ngayinye yemoto ihlukile. Nakuba sithandazela ukuthi ungalokothi ube sengozini yemoto, uma kwenzeka, ukuba nombono wenani elilinganiselwe lokukhokhiswa kanye nezici ezimbalwa ezithonya inani kungakusiza wenze isinqumo esinolwazi. Sesikushilo lokho, uma ufuna ukuba nesibalo esinembe kakhulu, kungcono ukuthi uthintane nommeli onguchwepheshe wezingozi zemoto. Ukwenza kanjalo kungakusiza futhi ekutholeni isinxephezelo esifanele ngokulahlekelwa kwakho.
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- Nakuba sithandazela ukuthi ungalokothi ube sengozini yemoto, uma kwenzeka, ukuba nombono wenani elilinganiselwe lokukhokhiswa kanye nezici ezimbalwa ezithonya inani kungakusiza wenze isinqumo esinolwazi.
- Kuye ngomthetho wesifunda sakho, ungakwazi ukufaka isicelo sezindleko zomonakalo wakho uma utholakala unecala elingaphansi kuka-50% ngokuphahlazeka.
- Kungakhathaliseki ukuthi ukulimala kwakho kungase kube kuncane kangakanani noma uzizwa ulungile ngemva kwengozi, ukuvakashela udokotela nokuthola usizo lwezokwelapha ngemva kokushayisana kungakhuphula ithuba lakho lokuthola isinxephezelo esifanelekile sesicelo sakho.
