Umkhiqizo wokuphela wezimali zokubambisana ngemali yizintengo ezifanele zalezi zimoto zokutshala izimali kanye nesabelo esifanele semali yokutshala izimali kubanikazi bayo. Ngakho-ke, lokhu kuyinkinga enkulu kubaphathi bezezimali abakhulu, abaphathi kanye nabaphathi bemisebenzi yezinkampani zomxhaso.
Izinhlaka zezimali eziMali eziPhakathi
Ihlanganisa imisebenzi ehlukahlukene eyisisekelo, okungenzeka yenziwe ngabasebenzi bangaphakathi noma abahlinzekelwe kwabanye abahlinzeki, njengamabhange aphephile:
- Ukubala ukubaluleka kwephothifoliyo yayo yokutshala izimali nsuku zonke. Bona ingxoxo yenani lemali lentengo (NAV) ngezansi.
- Ukulindela nokurekhoda yonke imali engenayo, njengezinzuzo kanye nesithakazelo.
- Ukwandisa ngokugcwele isithakazelo kumabhondi nezinye izibambiso ezifakiwe ezingenayo ezibekwe kwiphothifoliyo yokutshala izimali.
- Ukuhlehlisa kahle isaphulelo noma i-premium ekuthengweni kwesibopho. Bheka incazelo eningiliziwe ngezansi.
- Ukurekhoda konke ukuthengiswa kwemfihlo, okufana nokuthenga nokuthengisa kwezimali zephothifoliyo.
- Ukuqopha konke okuzuzwayo okuyinhloko, kokubili isikhathi esifushane nesikhathi eside, okuphumela ekuthengisweni kwezimali ezikulesi sikhwama.
- Ukurekhoda konke ukungena nokuphuma kwemali ngenxa yokuthenga nokuhlengwa kwamasheya ngabasomali.
- Ukugcina amarekhodi amasheya anakho, kanye nokuthengiselana okwenziwayo, ngumnikazi wesabelo ngamunye esikhwameni.
- Ukusabalalisa ukulandelwa kwemali engenayo kanye nenzuzo eyinzuzo eyenziwa kubanikazi bamasheya esikhwameni.
Eminye iminyango yokubalwa kwemali yezimpahla zomphakathi, lezi zenzo zizotholakala ngokuzenzekelayo. Kodwa-ke, okunye okufakwayo kwe-manual, ukubuyekezwa, nokulungiswa okwamanje kungadingeka.
Inani lefa le-Net
Ngokuvamile i-NAV efingqiwe, yinani eliphelele lephothifoliyo yokutshalwa kwezimali esikhungweni sokubambisana ehlukaniswe inani lamasheya alo elivelele. Umhlangano ojwayelekile kufanele ukubala i-NA ekupheleni kosuku lokuhweba ngalunye, ngokususelwa kumanani okuvala azo zonke izibambiso ezigcinwe kuyo. I-NAV ibuye ilandele ezinye izenzo ezibalulwe ngenhla.
Imiyalo yokuthenga noma yokuthengisa amasheya esikhwama sokubambisana ibulawa nge-NAV yokuvala yosuku uma itholakele ngaphambi kokuba imakethe ivaliwe. Uma kungenjalo, zibulawa nge-NAV yokuvala ngosuku olulandelayo lokuhweba.
I-Bond Amortization
Uma izibopho zithengwa ngesaphulelo noma i-premium ku-value yabo ye-par (okungukuthi, ngentengo ephansi noma ephakeme kunenani eliyinhloko elizobuyiselwa kumtshali-zimali elibambe lapho isibopho sikhula), umehluko phakathi kwentengo yokuthenga kanye ne-par Inani lirekhodwa ngokuhamba kwesikhathi njengendlela yokulungiswa kwenzalo yenzalo eyenziwa yisibopho.
Imali engenayo yenzalo ebonwe esikhwameni esithengiwe esaphulelo kuyoba ngaphezulu kunezinkokhelo zangempela zenzalo ezitholiwe.
Ngesibopho esithengiwe nge-premium, kuyoba ngaphansi. Umphumela wenetha wukuthi noma yisiphi Isaphulelo noma i-premium ekuthengweni kwesibopho esiphathwe ekuvuthweni ngeke kubonakale njengenzuzo noma ukulahlekelwa kwemali, kodwa esikhundleni sokulungiswa kwemali engenayo. Imali yokubambisana ibalwa ibalwa nsuku zonke yizivumelwano zomphakathi.
Ucwaningo lwesigameko
Lokhu kuyisibonelo esihle sezinhlobo zokuxhumana ezihlangene emkhakheni wokubonisana nokusebenza. Ibhange eligcinayo elilondolozayo linikeze izinsizakalo zokubambisana ngezimali zomphakathi ezinkampanini zesikhwama sokubambisana esasisebenzise kakade ukuze kugcinwe ukugcinwa kwamasheya. Ukubalwa kwezimali zomphakathi, kulo mongo, ngokuyinhloko kwakuhilelekile ekubalweni kwansuku zonke kwenani lemali lentengo (NAV). Ibhange kanye namakhasimende ayo ahlangene ayenganelisekanga ngesikhathi sokulinganisa nokunemba kokubalwa kwe-NAV okwenziwe.
Ibhange libandakanya iqembu labaxhumanisi abavela ku- Big Four accounting accounting firm ukutadisha izinqubo ngaphakathi komnyango wezimali zokubambisana kanye nokuncoma izinguquko zokuyithuthukisa. Ithimba lezokubonisana elivela e-Big Four liqedile izinsuku ezimbalwa libheke indlela umnyango wezokuphathwa kwemali yomphakathi osebenza ngayo, ngokuthungatha abasebenzi bawo njengoba benza imisebenzi yabo yansuku zonke. Ababonisi babuye baxoxisana nabasebenzi kanye nabaphathi babo, ukuze baqonde kangcono ukuthi babheka kanjani imithwalo yabo yemfanelo, kanye nokuhlola ukuthi bebengabazi kanjani mayelana nensimu yokubambisana imali.
Ithimba lezokubonisana lenze izinqubo ezihamba phambili zezinqubo emnyangweni futhi zaxoxisana nalezi ziphathamandla, zikhomba ukuthi izinqubo zomsebenzi zingathuthukiswa kanjani. Ababonisi baphakamise futhi ukuthi kuthuthukiswe ukuzenzekelayo. Ngemva kokuthola imvume kusuka ekuphathweni kwebhange, ababonisi basesha abadayisi be-software abaphethe amaphakheji afanele isimo sebhange. Bese bekhomba ozimisele ukwenza ngezifiso uhlelo lwaso olukhona ukuze ahlangabezane nezidingo ezidingekayo esimweni esiyingqayizivele sasebhange kanye nokuxuba kwamakhasimende.
Ngokulandelayo, ababonisi bakhipha lezi zici ngokuningiliziwe, futhi bahlolisisa kakhulu isofthiwe njengoba imoduli ngayinye igcwalisiwe, ukuqinisekisa ukuthi izibalo zenziwe kahle, futhi uhlelo luhlala luqinile futhi lunokwethenjelwa. Isigaba sokuhlolwa komsebenzisi sokwamukela sithatha izinyanga ezimbalwa futhi sidinga ukunakwa okuningiliziwe ngemininingwane.
Lapho uhlelo luphelile ekuqedeni imininingwane, ithimba lokubonisana libheke ukufakwa nokusebenza kwalo, futhi liholele ukuqeqeshwa kwabasebenzi, ukuhlala kusayithi kuze kufike ibhange likhululekile ukuthi izinqubo ezintsha zisebenza kahle. Kuzo zonke, le phrojekthi yahlala cishe ngonyaka, kanye neqembu labaxhumanisi abathathu kwi-site ebhange nsuku zonke.