Umhlala-phantsi ubalwa njani?

Abemi abaninzi banokukhathazeka kakhulu ngombuzo wendlela umhlala-phantsi ubalwa ngayo? Iyini na kwaye yintoni na into ekhoyo? Ziziphi iingenelo kunye nokuphazamiseka kwemali yomhlalaphantsi karhulumente kunye nabalingane babo abangewona uhlanga. Kukho ezinye izinto ezibalulekileyo.

Wonke ummi unelungelo lokuphumla, ingakumbi ukuba ngumbuzo wokuphumla komhlalaphantsi. Oku kuthetha ukuba ukusebenza kwelinye ishishini, elo mntu usebenza kuyo yonke imisebenzi yakhe, kufuneka amnike ubomi bakhe bonke. Akukho mbuzo ukuba ishishini kufuneka libonelele ngokwalo, oku kwenziwa ngesikhwama somhlala-phantsi, apho ngamnye umqeshi esebenzisa umrhumo onyanzelekileyo. KwiRussia Federation, ukwakheka, ukufakwa kwemali, ukuhlawulwa kwempesheni kuqhutyelwa kunye nokugcinwa komthetho ngokomthetho "KwiiPenshini zabasebenzi eRashiya". Ukuba sithetha ngendlela ipenshini ehlawulwa ngayo, kufuneka kuthiwe ukuba akufanelekanga kuphela, kodwa inokuxhaswa ngokuzithandela, ebonisa ukuba kungenzeka ukusebenzisa imali yokubeka imali ehlawulwa kwingxowa-mali engaphantsi kombuso. Kukho iintlobo ezininzi zeempesheni ezinyanzelekileyo, ungabiza igama ngalinye: ipenshoni yokukhubazeka, inzuzo yabasindayo kunye nomhlala-phantsi wokudala. Umhlala-phantsi wezabasebenzi uquka ukwakhiwa kwawo ezintathu izinto: ezisisiseko, i-inshorensi, i-accumulative.

Isiseko sepensheni

Umbutho ngamnye kunye noxanduva lokubambisa i-inshorensi yenkxaso-mali yomshuwalense, ukuba isiqingatha sale mali sidluliselwe kwisikhwama somhlala-phantsi. Yonke le mali ayikhethiweyo, oko kukuthi, idluliselwa kwingxowa-mali, apho isetyenziselwa ukuhlawula iintlawulo ezikhoyo kubahlala phantsi. Le ngxenye inxalenye engundoqo yempesheni, ubungakanani bayo obuncike ngokuxhomekeka kubuncinane bemali, imali yemali-mali kunye nokunyuka kwamaxabiso. Icandelo elisisiseko lizimeleyo ngokupheleleyo ngobude benkonzo, umyinge wemvuzo, inokuhlawulwa kwabangaphandle kunye nabantu abangenabo ubemi, abahlala ngokusisigxina kwingingqi yaseRashiya.

Indlela yokufumana ipensheni: inxalenye yomshuwalense

Inxalenye yomshuwalense ihluke kakhulu ukusuka kwisiseko esisisiseko sokuthi unxibelelwano lomntu othile, kwaye ubukhulu bayo buxhomekeke kwixesha leentlawulo ezilindelekileyo, kunye nexabiso lemali ehlangene. Umqeshi ngamnye usebenzisa iimrhumo ezinyanzelisayo kwimali ye-8-14% yemali ehlawulwa irhafu yomqeshwa omnye, kuyinto yesiko ukubandakanya umvuzo ngokwawo kuphela, kodwa nakwezinye iimali eziqhutywe yeshishini kumqeshwa omnye.

Umhlala-phantsi omdala ubudala ubalwa njani: ipenshini exhaswa ngemali

Ukubala kwale nxalenye kwenziwa ngendlela efanayo njengoko inxalenye yomshuwalense ibalwa, kodwa imali yempesheni kule mali ithatyathwa yindleko yokuqokelela. Ezi ndolozo zommi ngamnye ziboniswe kwincandelo ekhethekileyo yeakhawunti. Ingxenye ehlukileyo yenkxaso exhaswa ngemali kukuba ibekwe kwiixhobo ezahlukeneyo zotyalo-mali, ingadluliselwa kwimali eyahlukeneyo yokuphunyezwa kolawulo, kwakunye nokunokwenzeka kokutshala imali kwiimpahla ezahlukahlukeneyo, kubandakanywa nokugcina. Wonke umntu osebenzayo unokukwazi ukuzimela ngokuzimeleyo inxalenye yakhe yempesheni, enika ilungelo lokungavumi okanye ukuvuma ukusebenzisana nenkampani ethile yokuphatha okanye imali.

Izinzuzo zokusebenzisa imali engekho yelizwe zicacile. Okokuqala, kulungile ukuthetha malunga nokutshala imali ngokufanelekileyo, okuya kuqinisekisa ukukhula ngokufanelekileyo kwempesheni. Iimali zikaRhulumente zikhetha utyalo-mali lwezixhobo ezinjalo, ezibhekwa njengokwethenjelwa kakhulu, nangona kunjalo, oku kuphazamisa kakhulu inzuzo yabo.

Ngoko, ngoku kuya kufuneka kucaciswe ukuba umhlala-phantsi ubalwa njani.