Litaba
- 1. Buisanang 'me le rere merero ea lona ea chelete
- 2. Ikopanye le lichelete tsa hau
- 3. Ho thusana ho hatela pele
Bakeng sa banyalani, Letsatsi la Valentine hangata le kenyelletsa chokolete, lipalesa, lijo tsa mantsiboea tse majabajaba le limpho tse majabajaba - tseo kaofela li kenyelletsang pontšo ea theko e boima haholo ea lerato. Ho ea ka National Retail Foundation, ts'ebeliso ea chelete ea Letsatsi la Baratani e lebelletsoe ho fihlella ho feta $ 20 billion selemong sena.
Sebakeng sa ho sebelisa lidolara tse makholo ka Letsatsi la Valentine, uena le molekane oa hau le ka bonts'a hore na le na le bokae ho e mong ka ho etsa lichelete tsena hammoho.
Karolo e molemohali:
Le ntse le thusana ho ntlafatsa maphelo a ba bang a lichelete - tsela e nang le moelelo ho feta ea ho keteka lerato la hau ho e mong.
1. Buisanang 'me le rere merero ea lona ea chelete
Nka monyetla ona ho qoqa ka lichelete tsa motho ka mong le lipheo tsa lichelete.
Bua ka kamano ea hau le chelete ea hau, merero ea hau ea mosebetsi, le seo u ikemiselitseng ho se fihlela ho latela pono ea lichelete.
Sheba:
Chelete ke taba e amang maikutlo lipakeng tsa mang kapa mang, eseng feela banyalani. Hangata sehlooho se kenyelletsa maikutlo a ho ba tlokotsing.
Bokhoni ba ho senola le ho arolelana boemo ba hau ba lichelete le pono ea hau e ka ba boiphihlelo bo boholo ba kamano e bonts'ang ts'epo.
Fumana leqephe le le leng ka lichelete kapele le hantle hobane hangata chelete ke lona lebaka la hore likamano ha li sebetse qetellong.
2. Ikopanye le lichelete tsa hau
Bontša boitlamo ba hau ho motho oa hau oa bohlokoa ka ho nka mehato ea ho kopanya lichelete ka tsela e itseng.
E ka kenyelletsa:
- Ho fallela hammoho
- Ho bula ak'haonte ea banka e kopaneng
- Ho theha moralo oa lichelete hammoho
Ho na le boemo bo phahameng ba ponaletso bo hlokehang mehato ena ea lichelete.
Mohlala, ho lula hammoho ke mohato o moholo maikutlong le licheleteng. Le ntse le lula 'moho' me seo se ka bolela ho arola litšenyehelo le boikarabello bo bong ba lichelete.
Ho tloha setšoantšong se seholo, motsamao ona o ka matlafatsa phallo ea chelete bakeng sa hau le molekane oa hau hobane litšenyehelo tse arolelanoeng li tlase ho feta ho lula ka thoko.
Kapa, haeba u bula ak'haonte ea banka e kopaneng, u senola tšebetso ea tšebeliso ea chelete le chelete e bolokang boikarabello ho lipheo tseo e kanna eaba li behiloe mohatong oa pele. E bontša hore mahlakore ka bobeli a ikemiselitse ho etsa liphetoho licheleteng tsa bona molemong oa kamano.
3. Ho thusana ho hatela pele
Na ho na le liphoso ho uena kapa tlhophisong ea lichelete ea molekane oa hau? Na le ka thusana ho hatela pele ka tsela e nepahetseng?
Le ka ithaopela ho thusana:
- Ho eketsa lintlha tsa mokitlane
- Laola mokoloto hamolemo
- Lekola photefolio ea matsete
Haeba ho na le merero ea ho nyalana le ho reka ntlo hammoho, lintlha tse matla tsa mokitlane li bohlokoa bakeng sa mekoloto efe kapa efe e meholo e hlokahalang nakong e tlang. Mme, ho theha mokitlane o motle ho ka nka nako.
Tsela e 'ngoe ea ho thusa molekane oa hau ho aha mokitlane ke ho ba eketsa joalo ka mosebelisi ea lumelloang ka karete ea mokoloto, e ka thusang ho theola lintlha tsa hae tsa mokoloto.
Moroalo o mong oa lichelete ho batho ba bangata ke mekoloto, haholo-holo litekanyo tse phahameng tsa likarete tsa mokoloto. Ke mohloli oa khatello ea maikutlo - 'me ho imoloha kelellong eo e ka ba "mpho" e ntle ea letsatsi la Valentine. Lulang fatše le hlahlobe boemo ba mekoloto ea e mong ho bona hore na ho na le mekhoa ea ho sebetsana le mekoloto hamolemo. Na mekoloto e lefuoa ka tsela e tla fella ka litekanyo tsa $ 0? Na hoa utloahala hore e mong oa lona a kenye likoloto molemong oa phaello e tlase?
Qetellong, sheba hore na uena le molekane oa hau le atamela matsete joang. Nyatsa lipotefolio tsa ba bang bakeng sa kabo ea thepa, mamello ea likotsi, litšenyehelo le melemo ea lekhetho. Na e mong oa lona o tsetetse haholo 'marakeng o le mong? Na u bona lichelete tse theko e tlaase kapa li-ETF tse ka nkelang sebaka se teng pele? Na ak'haonte ea motho ea tlohelang mosebetsi (IRA) ha e eo mosebetsing?
Qetellong, mehato ena e likoloha kamanong e nang le boikemisetso bo botle ba chelete. Hape, e ka ba tšusumetso e matla haholo ketsahalong ea Letsatsi la Valentine ho feta phapanyetsano efe kapa efe ea thepa.