Ukwahlukana imajini - sisixhobo esiphumelelayo abathengisa amakamva

Ukuze siqonde i elide njengoko "ukwahluka imajini" lufuneka States oko eludinini ngengqiqo jikelele. Ngoko ke, lo imajini - isixa esithile semali ifunyanwa liqela elinye njengesiqinisekiso ndaneliseke iimeko intengiselwano yi elinye iqela. Isiseko yale ngqiqo kukuba xa ngequbuliso uhlawule icala kwimida kuba matyala kwaye akakwazi ufezekisa izibophelelo ezithile, le pati wathabatha eludinini, kukwazi ukuhlawula nayo indawo yayo ivuliwe. Ngamanye amazwi, umda nga kuqwalaselwa indlela ebalulekileyo ngokwaneleyo intlawulo, apho ukususwa kwale nkampani ziya kuba nako ukulawula umngcipheko omkhulu ngorhwebo stock.

Ukwahlukana imajini le akhawunti yenzuzo nelahleko imihla umrhwebi amakamva contract. Ngamanye amazwi, le umphumo mali ngokoMthetho ngokwemali ekupheleni kweseshoni nganye yorhwebo emarikeni.

Kwimeko ka loguqu udini ngeniso yi-HIV, kwaye ukuba umrhwebi ilahleko, ngoko eli salathisi has engenaxabiso yaye isixa-mali efunyenweyo iya kutsalwa kwi-akhawunti yakho ekupheleni okucoca.

Umehluko omkhulu phakathi amakamva kwemicimbi isabelo - ngokwemiqathango kwemali kwi-akhawunti. Ngoko, xa iintengiselwano amakamva Enrolment okanye imali efunyenwe ngosuku ngalunye, nokuba yokuthengisa kanye, ize ke izabelo ziya kuya kwingxelo mali zithengiswa kuphela xa.

Zama ukuqonda ngumzekelo ethile. ixabiso kwimpahla lweshishini yi engange-200. kunye umrhwebi ayithenge ngenxa engange 200 efanayo. Ixabiso Isabelo liye lantinga laya 220 engange. Kodwa xa isitokhwe azithengiswa, ndifuna kwi akhawunti hayi yamkelwe.

Ke kaloku omnye okufana intsebenziswano kunye izabelo ezifanayo - bazisebenzise zentengiselwano, apho uya kubona kunye oyintsusa calculation. Zomthengisi wathenga isivumelwano ikamva kwizabelo lweshishini efanayo ngexesha xa ixabiso kwimarike izibambiso waba engange-200. Indleko yale mvumelwano amakamva ziya kuba 20,000 engange. (Ngamnye contract amakamva kuquka iindleko lezabelo 100). Ukuze abe umnini omnye amakamva yomrhwebi kufuneka ahlawule ukuqinisekisa ukhuseleko kwi mali ka-12% ukususela 20,000 engange. kunye 2400 engange. Yonke imihla, ushwankathelwa isivumelwano esinjalo. Ngokomzekelo, ekupheleni ixabiso kwemfuyo ngosuku lokuqala liye lantinga laya 220 engange., Ngokulandelelana, kwaye ixabiso ikamva ikhula 22,000 engange. umahluko ezincumisayo kwizifundo 2000 engange. kwi-akhawunti ukuba bazisebenzise umrhwebi, nangona kukuba isithuba ayenziwanga ivaliwe yaye amakamva azithengiswa. Lo mahluko lo umda ongenabuyambo, yaye zikhuthaza.

Ukubalwa eludinini loguqu ngosuku olulandelayo wenziwe, ezisekelwe phezu ikamva ixabiso 22,000 engange. Ukuba imarike ngaloo mini iya kuvalwa phezu amaxabiso izabelo engange 21300, kuya kuncipha xa kuthelekiswa ne yangaphambili imini 700 miri., Nguwuphi uya kubizwa nge akhawunti ikamva. Ngenxa yoko, umrhwebi ufumana ukwahluka imajini elibi.

Njengoko kubonakala kule mzekelo, engundoqo ukubonisa ukuba ngenxa imicimbi engekenziwa kwi imarike amakamva ke umda emsindweni njengoko kuchaziwe ngokwayo ibonisa ngephanyazo entle xa isetyenziselwe. Oku kwemali yengeniso kungakhathaliseki nokuba ngaba intengiso ikamva, ngokuchaseneyo norhwebo ngokhuselo kwi imali eninzi.

Nangona kunjalo, zikhona downsides ukuba usebenzisa esi sixhobo amakamva zorhwebo. Oku yindlela ugunyaziso esisigxina nomda okubi yokugqitywa ngokupheleleyo kwemali ngenxa mthengisi kwimeko iintshukumo ixabiso share in a kwicala kokulahlekelwa. Ngoko ke, ukuba ukubamba ikamva broker xa imfuneko yokwenza imali engaphezulu kwi-akhawunti, ngenye indlela, le sikhundla ukuba ngenkani ivaliwe, uya kuzisa ilahleko ezithile uMrhwebi.

Kolu tyalo istock market iimeko ezinjalo abayi ayavela kuba xa ukuthengwa uhlawule ixabiso ngokupheleleyo kwizabelo, kunokuba-12% ye ngummeli wowona ulungileyo, njengokuba amakamva kwiintengiselwano.

Ukwahlukana imajini for amakamva ezahlukeneyo kwemvumelwano kubalwa ngokususela ubuchule esemthethweni enikwe kwi incazelo ye ikamva. Exchange iinkcukacha luxwebhu oluqulathe i parameters eziphambili kwekhontrakthi. Kwaba kukhona ekuvunyelwene nepesenti yexabiso lezabelo izibambiso.