Ukubalwa umkhawulo imali - ngokushesha futhi kalula!

Okthoba 12, 2011 Russian Central Bank eshicilelwe isimemezelo mayelana imali ukuthengiselana, owawuthi ngo-2012 izinhlangano kwezomnotho yanoma iyiphi ifomu yenhlangano-legal aphoqelelwe ukuba enze ukubala ehlukile umkhawulo imali. Futhi uma ngaye ekuqaleni kwalo magazini ngokuqinile kungase bathembele ngokuphelele ibhange elikhulu ke manje kufanele kunethonya amandla abo bese unquma ngokwakho. Kumayelana kanye osomabhizinisi umuntu manje kufanele ugcine wonke amarekhodi eziwukheshi, sokunaka imikhawulo ekhona ku imali ezilinganisweni. Kodwa musa ukusheshe phekula futhi ethukile, ukubala imali imikhawulo nokulandela yemali isiyalo - kungcono akunzima kangako!

umkhawulo Cash kuyinto inani cash ukuthi kungenziwa ngokufanele egcinwe ibhokisi ehhovisi le-ezamabhizinisi amancane, kungabi ukuthatha ebhange. Injongo eyinhloko yawo yiliphi ibhizinisi nje ukukhetha umkhawulo elilungile wena, bese uzinike isikhathi isivuno sisiningi kakhulu khona imali izimali. Ngokomthetho, ayikho imithetho eqinile mayelana nokuthi ungakwenza kanjani ukubala umkhawulo imali esele, ukuze ukwazi ukukhetha noma yimuphi isikhathi izimali babe ukuqhutshwa. Ngokuvamile, ukugwema ubuhlungu bekhanda ngenxa yokuntula noma babutha imali, zama ukubeka phezulu ibhalansi yemali. Kumele kuqashelwe ukuthi le ukheshi ukuthi umkhawulo ukudela ebhange nge imvamisa okungenani kanye ngesonto. Ukuxolela zenziwa kuphela izifunda kude lé eRussia, lapho kungekho khona ebhange eyodwa. Kubo, isikhathi eziyi-14 zokusebenza.

I-algorithm ukubala umkhawulo imali

1. Khetha isikhathi esingajulisa Eqinisweni, ukubala nokuphuma kwemali. Ngokusho umthetho, ngeke kube izinsuku ezingaphezu kwezingu-92 zokusebenza.

2. Ukubalwa kwemali umkhawulo eyenziwa ngefomula zokucathula:

"Umkhawulo kwezimali" = "ukheshe ukuqhutshwa" / "inani lezinsuku esikhathini lokukhokhisa" * "inani lezinsuku phakathi yokubuyiswa imali."

3. ukuba bagcine imali isiyalo, futhi konke kuzolunga!

Cabanga ngesibonelo sika-kubalwa umkhawulo imali

1. Esimweni sokuqala, inkampani ngezimali. Ake sithi, Ltd. "ukwethula" waziphatha ukudayiswa izipho yasekuqaleni zonke izikhathi. Uma ngesikhathi bakhetha ngesigamu sesithathu sonyaka ka 2011, isikhathi izinsuku 71, ka lapho imali kwaba-500 000, kanye nokugcina Rents imali njalo ngoLwesihlanu, bese ngokuvumelana ifomula: LK = 500.000 / 71 * 5 = 35 211 ruble.

2. Kodwa wenzani uma inkampani ayinakho namarisidi imali? Kulokhu, esikhundleni inani lezinsuku phakathi ngokuqasha ifomula isebenzisa inani lezinsuku zokusebenza, okuyinto banwebe isikhathi phakathi izingcingo ebhange ukuthola imali. Ngokwesibonelo, LLC "ubisi Rustic" ukwenza ukuthengwa imikhiqizo yobisi oqhamuka kubalimi izakhamizi zasemaphandleni. Ake sithi ukuphathwa le nkampani iye yanquma ukuthi zilawule sekubika ka -October 2012, lapho ukuthenga buye baba bukhulu kakhulu. Ake cashier uthola uma imali njalo ezinsukwini ezingu-3, futhi kwakukhona ezingu-20 zokusebenza ngo-Okthoba. Khona-ke, uma ngemali "Village Ubisi" ngalesi sikhathi zaba ama-ruble ayizigidi 300, ukubala umkhawulo imali kuyoba: LK = 300,000 / 20 * 3 = ruble 60 000.