Ukuqonda Intela Yendawo: Isiqondiso Esinesisekelo Kuhulumeni

Intela yendawo imelela ingxenye ebalulekile yentela yakho yonke, kodwa ngokuvamile ithola ukunakekela okuncane kunentela kahulumeni noma kahulumeni. Kungakhathaliseki ukuthi unekhaya, uqhuba ibhizinisi, noma umane uthenge imali, intela yendawo ithinta cishe zonke izintengo zemali ekuphileni kwakho kwansuku zonke. Amazinga, imithetho, nokungahoxi kwemithetho kuyahluka kakhulu kuye ngokuthi uhlalaphi, okwenza kube okubalulekile ukuqonda indawo ethile yentela yendawo yakini. Lesiqondiso sinikeza ukwehlela okujulile ezinhlotsheni ezivamile zentela zendawo, sichaza indlela esebenza ngayo, futhi sinikeza namasu esebenzayo ukuze silawuleke kahle.

Iyini Intela Yendawo?

Intela yendawo ikhokhwa ngezindawo, amadolobha, izifunda, nezinye izikhungo zikamasipala ukuze kukhiqizwe imali yezinkonzo zomphakathi. Ngokungafani nentela kahulumeni neyombuso, intela yendawo ithengwa kakhulu futhi ikhokhwa ngokuqondile njengezindawo eziwumnyango wamaphoyisa nezicima umlilo, izikole zomphakathi, ukunakekelwa kwemigwaqo, indle, amapaki, nemitapo. Ukuxubana kwentela esetshenziswayo yezindawo kuxhomeke egunyeni layo elingokomthetho, ezingokomnotho, nasezintweni ezithandwa yizakhamuzi zayo.

Ukuqonda indlela lezintela ezihlelwe ngayo kungakusiza ukuba ulindele izibopho zakho, uqaphele amathuba okulondolozwa kwemali, futhi ugweme izijeziso ezibizayo.

Izinhlobo Ezivamile Zentela Yasendaweni

Nakuba izigaba eziqondile zentela zihlukahluka ngokwemithetho yazo, lezi zinhlobo zentela zendawo ezivame kakhulu abantu namabhizinisi abazitholayo.

Intela Yempahla

Intela yempahla iwumthombo wemali esele kakhulu kohulumeni bendawo abaningi. Zikhokhwa ezindaweni eziningi, `ezwe' nezakhiwo'." ezisekelwe entengoni yempahla. Izinga lentela, ngokuvamile elichazwa njengenani elibanzi (ama-dollar angu-R1,000) limiswe uhulumeni wendawo futhi lingashintsha minyaka yonke ukuze kuhlangatshelwe izidingo zohlelo.

  • Inqubo yokuhlola: Abahloli bendawo banquma inani lempahla yakho, ngokuvamile ngemishini yokuhlola inqwaba noma ukuhambela komsakazo. Unelungelo lokudlulisa izicelo uma ukholelwa ukuthi ukuhlola kwakho akunembile.
  • Intestead Expections:[ Izindawo eziningi zinikeza inani elincishisiwe lentela ezindlini eziyinhloko ezisebenzayo, ukwehlisa intela kumninikhaya.
  • [[[UMTL:0] Intela yentela:[ Ezinye izifundazwe zibeka imingcele ekutheni zingakhuphuka kangakanani izintela zempahla ngonyaka omisiwe, zinikeza ukubikezelwa kwabaninimakhaya.

Ukuthengisa Intela

Izintela zentela zikhokhwa ekuthengeni izimpahla eziningi kanye nezinkonzo ezithile lapho kuthengwa. Ezizweni eziningi, intela yendawo yenezelwa phezu kwentela kahulumeni yokuthengisa, okuphumela ekuhlanganiseni okungadlula kumaphesenti ayishumi kwamanye amadolobha. Ngokwesibonelo, ezindaweni ezinjengeChicago, IL noma iBaton Rouge, ingqikithi yentela yentela yentela yentela iphakathi kwezwe.

  • [ Izihlengo nezivuselelo: Izimo ezinjengokudla okungalungisiwe, imithi kadokotela, kanye nemishini yezokwelapha zivame ukukhishwa entelani yokuthengisa. Ezinye izindawo zinentela yamaholide futhi ezinkonzweni zesikole esibuyela emuva noma ezinhlakeni ezilungiselelwe inhlekelele.
  • Sebenzisa intela: Uma uthenga izinto kuyi-intanethi noma kumthengisi ongaqoqi intela yendawo, ungasayikhokhisa intela esetshenziswayo ehhovisi lendawo. Abakhokhi abaningi bentela abayinaki le ntela, kodwa imibuso iya iqinisa ukugcinwa kwemithetho.
  • Ukucabangela kwezentengiselwano: Amabhizinisi kumelwe aqoqe futhi afake intela yentengiselwano ezindaweni zonke lapho ene-nexus engokomzimba noma ezomnotho khona. Isinqumo seNkantolo Ephakeme yonyaka ka-2018 ku- South Dakota v. Wayfair, Inc. [ikhono elikhulisiwe lezifunda ezifuna ukuqoqa intela yezentengiso, yenza ukuvumelana kube yinkimbinkimbi kakhulu.

Intela Ekhokhwa Endaweni

Ngokungafani nentela yeholo kahulumeni noma kahulumeni, intela yeholo lendawo ayivamile kodwa ingabaluleka emadolobheni nasezindaweni eziwacindezelayo. Izibonelo eziphawulekayo zihlanganisa iNew York City, iPhiladelphia, neDetroit, kokubili intela yezakhamuzi nezisebenzi ezingasebenzi edolobheni.

  • Flat vs. Izinga elikhulisiwe: Intela yendawo eholayo isebenzisa izinga eliyisicaba emalini eholwayo, kodwa ama-authority ambalwa anezithungi eziqhubekayo.
  • Ukugodla nokuzifunza: Abaqashi kuyadingeka ukuba bagodle intela yeholo lendawo eholweni lezisebenzi. Izakhamuzi kumelwe zifake imbuyekezo yentela yendawo ehlukile, ngokuvamile ngezinsuku ezizohlukene kunemali ebotshelelwe nguhulumeni noma uhulumeni.
  • Intela Paid to Enye Indawo: Uma uhlala kwelinye izwe futhi usebenza kwelinye, ungakufanelekela ukubongwa ukuze ugweme intela ephindwe kabili. Ukuqonda izivumelwano zobujwebe phakathi kwezindawo kuyisihluthulelo.

Ukukhokha Intela Eyize

Intela yokukhokha intela ekhethekile ezinkokhelweni ezithile noma emisebenzini. Intela evamile yendawo ihlanganisa leyo eletha uphethiloli, ugwayi, utshwala, indawo yokuhlala ehhotela, izimoto zokuqasha, ngisho nokuthutha izinkonzo ezinjengo-Uber noLiyft. Lentela ngokuvamile idluliswa kubathengi njengengxenye yentengo yokuthenga. Ohulumeni bendawo basebenzisa intela yokususa izintela ukuze banqande ukuziphatha okuthile (isibele, ukubhema) kuyilapho bekhipha imali evela ezivakashini nasezivakashini.

Ilayisense Yebhizinisi, Imvume Nentela Eshisiwe

Ohulumeni abaningi bendawo bafuna amabhizinisi ukuze bathole amalayisense noma imvume yokusebenza ngokomthetho. Lemali ingaba yeyoqobo noma enzima, kuye ngohlobo lwebhizinisi nendawo. Amanye amadolobha futhi abeka intela enkulu yentela yemali ekhokhwayo ($a intela yemali ehhhala kunenzuzo. Ngokwesibonelo, iDolobha laseLos Angeles likhokha intela enkulu kakhulu emabhizinisini asekelwe emalini adonswayo yaminyaka yonke, kanye namanani ahlukahlukayo ngezezezemboni.

Indlela Intela Yasendaweni Esetshenziswa Ngayo

Ukwazi ukuthi uhamba ngamalini ekhokhayo kungakusiza ukuba uqonde ukubaluleka kwezinkonzo zendawo futhi wenze izinqumo ezisekelwe olwazini ebhokisini lokuvota.

  • Imfundo: Izifunda zesikole zithembele kakhulu ezintelani zempahla ukuze kusetshenziswe imali yokuhlela, amaholo othisha, nokulungisa izakhiwo. Ezizweni eziningi, ukuxhasa kwesikole kuyimpikiswano ephikisanayo ehlobene nokuhlukanisa ingcebo yempahla.
  • Ukuphepha kobuPublic: Amaphoyisa, iminyango yomlilo, nezinkonzo zezokwelapha eziphuthumayo zixhaswe ngokuyinhloko yintela yendawo.
  • Izakhiwo: Imigwaqo, amabhuloho, izimiso zamanzi, indlela yokukhuculula indle, kanye nokuthutha komphakathi kugcinwa ngenkokhelo yentela yendawo.
  • Izindawo zomphakathi nezokuzilibazisa: amapaki omphakathi, izikhungo zomphakathi, amadamu okubhukuda, nemitapo yezincwadi kuvame ukusekelwa ngentela enikezelwe yendawo.
  • Umbuso-wonke: Idolobha noma amahhovisi okuphatha esifunda, izinkantolo, kanye nemisebenzi yokukhetha kuxhaswe ngentela yendawo.

Izindawo eziningi zifaka futhi isibopho sokuxhasa izakhiwo ezinkulu eziyinhloko, ezikhokhelwa izikweletu ngemali yentela yesikhathi esizayo.

Izinqubo Eziwusizo Zokusingatha Intela Endaweni

Ukuphatha izintela ngendlela ephumelelayo kungakusindisa imali futhi kuvimbele ikhanda. Nanka amacebiso angu - 8 asebenzayo.

Qonda Imithetho Yakho Yentela

Qala ngokuhlola intela eqondile esebenza egunyeni lakho. Hamba ungene kuwebhusayithi yakho, hlola amarekhodi entela yempahla, futhi uhlole amazinga entela yokuthengisela. Ukukhokha intela [ kunikeza imininingwane emalini kahulumeni nentela yendawo. Ulwazi lungumandla . ._orgot

Ukunxusa Impahla Eyigugu Ngokweqile

Uma intela yempahla yakho ibonakala iphakeme kakhulu, unelungelo lokukhokha. Hlanganisa ubufakazi bamuva obubonisa amakhaya afanayo, ukuqashwa kochwepheshe, noma izithombe zomonakalo. Izikhathi zokudlulisa izicelo zivame ukufinyeza, kanti izinsuku ezingu - 30 kuya ku-60 ngemva kokuthunyelwa kwesaziso sokuhlola. Ukunciphisa intela kunganciphisa imali yakho iminyaka eminingi.

3. Thetha Konke Okukhona

Ukungakhokhi okuningi kwentela yempahla akuzizenzeli. Kumelwe ubhalisele. Ukungakhokhelwa okuvamile kuhlanganisa lezo zezakhamuzi ezikhulile, ezaziwayo, abantu abakhubazekile, nezinhlangano ezingazuzisi. Ukuthengisela intela ngemibandela yezebhizinisi (umz., izinto ezingakhishiwe) kungadinga isitifiketi sokuzikhulula. Gcina amakhophi azo zonke izinhlobo zenkululeko futhi uwavuselele njengokudingeka.

4. Sebenzisa Amarekhodi Entela Nezokusindisa

Uma indawo yakini ifaka intela yeholo, cabangela ukunikela kuma-akhawunti omhlalaphansi akhokhelwe njenge-401(k) noma i-IRA. Amanye amadolobha avumela ukuthengiselwa kweminikelo yale minikelo emalini ekhokhelwa intela yendawo.

5. Hlola Izinguquko EMthethweni Wentela

Imithetho yentela yendawo ingashintsha njalo ngenxa yezinkinga zokuhlelwa kwemali, amasheke, noma imithetho emisha. Zibophelele ephephabhukwini likahulumeni lendawo, uya emihlanganweni yehholo ledolobha, noma ulandele imithombo yezindaba enedumela elihle ehlanganisa izimali zikamasipala. Emabhizinisini, kubalulekile ukuhlala uhambisana nemithetho yentela ye-nexus. Imivuzo enjenge Streamlined Poccos Project [ ingasiza ekulawuleni ukukhokhwa kwezelelwa kwemithetho yezentengiselwano yezwe.

6. Hlela Ukuthenga Nezimpahla Ezinkulu

Amantengo entela angahlukahluka hhayi ngokwezwe kodwa ngedolobha nangesifundazwe. Uma ucabangela ukuthengwa okukhulu njengemoto, imishini, noma isakhiwo, qhathanisa amazinga ezindawo eziseduze. Ezinye izindawo zinikeza amaholide entela yezinto ezithile; ukuthengwa kwakho kungahambisana nalezi ezigciniwe. Ngokufanayo, ukuthengisa ibhizinisi noma indawo kungabangela ukudluliswa kwentela yendawo.

7 Bonana Nochwepheshe Bentela

Imithetho yentela yendawo iyinkimbinkimbi futhi ingahlanganisa nemithetho kahulumeni nohulumeni. Umbhali wezimali osemthethweni (CPA) noma inxusa lomphakathi elibhalisiwe onolwazi lwendawo angathola izikweleti nezikweleti ongazilahlekelwa, aqinisekise ukukhonzwa, futhi akumeleli ekukhokheleni izimali. Lokhu kubaluleke kakhulu kubanikazi bebhizinisi abasingatha izintela eziningi zendawo.

8. Sebenzisani Uhlelo Lokukhokhela Imali

Uma uzisebenzela noma ungenayo imali ongayigodla, kungase kudingeke ukuba ukhokhe imali yentela ngokwengxenye eyodwa kwezine. Beka eceleni ingxenye yemali ngayinye oyitholayo ukuze ugweme ukumangala ngesikhathi sokuhlela. Izikhulu eziningi zendawo zentela zivuma ukukhokha intela ngogesi, okwenza kube lula ukuhlala ukhona.

Imibono Evamile Ngentela Yasendaweni

Ukungaziqondi izintela zendawo kungaholela ekukhokheni ngokweqile noma ekujeziseni.

  • Intela yempahla iyafana yonke indawo. Iqiniso: Izindlela zokuzihlela, amazinga, nokungangeni kwemvume kuhluka kakhulu phakathi kwezindawo ngisho nasedolobheni elifanayo. Ikhaya elibiza imali enguR3 000 kungathi likweleta u-R3 000 endaweni eyodwa futhi ku-R3 000 kwenye indawo.
  • Imali yomnyuziyamu: Intela yamasheya ifakwa njalo entengoni yokufaka. Iqiniso: E-United States, intela yokuthengisa ifakwa ebhalini, ngakho inombolo yentengo ayibonisi izindleko zokugcina. Kudingeka intengo ephawuliwe kuphela ukuze ihlanganise intela.
  • Myth: Uma ngingakweletanga intela yemali kahulumeni, angikweletanga intela yeholo yendawo. Iqiniso: Amanye amadolobha namabala abeka intela yawo yeholo ngisho noma uhulumeni engayikhokhi. Ngokwesibonelo, izakhamuzi zaseNew York City zikhokha kokubili intela yesifundazwe neyasedolobheni, kuyilapho izakhamuzi zaseTexas zingakhokhi intela kahulumeni kodwa uDallas akanayo intela yendawo ekhokhelwayo.
  • Myth: Kumelwe kuphela ngibhale phansi izintela lapho ngihlala khona. Iqiniso: Intela ezindaweni eziningi oyiholayo phakathi kwemingcele yazo, ngisho noma uhlala kwenye indawo. Abaphathi-mikhosi bangadinga ukukhokha izintela eziningi zendawo futhi bakhokhele ezinye intela.
  • [[FLT: 0] Myth: Ukukhulula kusebenza ngokuzenzekelayo. Iqiniso: Ukungakhululeki okuningi kudinga uhlelo lwaminyaka yonke noma ibhukwana. Ukungahambi ngesikhathi esimisiwe kungaphumela ekukhokheleni intela ephezulu. Isibonelo, ukukhululwa ekhaya ngokuvamile kudinga ukugcinwa kanye kodwa kumelwe kugcinwe ngemva kokushintsha kobunikazi.
  • Isinqumo : Ukuthengwa nge-inthanethi akukhokho ntela. Iqiniso: Njengoba Wayfair[ isinqumo, izifundazwe kanye nezindawo kuye kwaphoqelela ukuqoqwa kwentela yokuthengwa kwentengo ekuthengeni nge-intanethi. Ezinye izifunda-Australia zifuna ukuba ubike futhi ukhokhe intela ekukhokheleni intela yakho engakhokhwashwanga nge-intanethi.

Ukucatshangelwa Okukhethekile Kwamabhizinisi

Amabhizinisi abhekene nendawo eyinkimbinkimbi engokwentela yendawo. Ngaphandle kwentela yempahla neyokudayisa, izinkampani kumelwe zisebenzise indlela yazo:

  • Intela Yomuntu siqu Yempahla: Intela emishinini, efenisha, kumacomputer, kanye nasohlwini lwezincwadi ezigcinwa yibhizinisi. Ezinye izifunda ziye zayiqeda lentela, kodwa izindawo eziningi zisayiphoqa.
  • Inombolo yeTagisi:[ Njengoba kushiwo ngaphambili, lena intela yemali egcwele intengo eshibhile. Ingaba umthwalo kakhulu emabhizinisini emidanso ephansi.
  • [[[INKQUBO: 0] Intela ekhokhelwayo: izifunda zingafuna abaqashi ukuba bakhokhe ingxenye yentela yeholo lendawo, izintela zokungasebenzi, noma ukuqeqesha izintela.
  • [[NT.0] Imali e-Lence Fees nemvume yokulawula: esuka ekulungiseni ukudla imvume yokusayina izindleko, indawo ngayinye inesimiso sayo siqu sokukhokha. Ukwehluleka ukuvuselela kungaphumela ekuhlawuliseni noma ekuvalweni.

Abanikazi bamabhizinisi kufanele bagcine ikhalenda elilandelanayo ukulandelela yonke intela efuneka emhlane kanye nelayisense. Ukusebenzisa inhlangano yomqashi onguchwepheshe (PEO) noma ukukhipha umholo kungasiza ekulawuleni izibopho zentela ezibekwa kwezinye izindawo. U.S. I-Small Business Administration[ inikeza isiqondiso esisemthethweni nasezimfunelweni zentela zendawo.

Indima Yokukhokha Intela Kwendawo Ekuthuthukeni Kwezomnotho

Intela yendawo ayiwona nje amathuluzi emali, kodwa ibuye ilolonge ukuziphatha kwezomnotho. Intela yempahla ingayehlisa ukugcinwa kwezindawo ezinde zomninikhaya kanye nokuthengwa kwezentengiselwano, kuyilapho intela ephansi ingaheha amabhizinisi kodwa iholele ezinkonzweni zomphakathi eziphansi. Izindawo eziningi zisebenzisa intela entengo ephansi, intela eyandayo (IT), kanye nezindawo zamabhizinisi ukuze zithuthukise intuthuko. Ukuqonda lezinhlelo kungazuzisa abanini-khaya namabhizinisi ngokufanayo.

Ngokwesibonelo, idolobha lingase linikeze intela yempahla iminyaka emihlanu yokuqala kumboni owakha ifektri emingceleni yalo. Ngokubuya, idolobha lithola imisebenzi futhi liphumele ngaphandle kwesimiso sezomnotho. Ngokufanayo, ukukhokhwa kwentela okungokomlando kunciphisa izindleko zokubuyisela izakhiwo ezindala. Lezi zisusa zivame ukuxoxwa ngecala, ngakho zikhokhela ukucwaninga ngalokho okunikezwa indawo yakini.

Imicabango Yokugcina

Intela yendawo ihlala njalo, kodwa akudingeki ukuba ibe yimbangela yokudideka noma ukukhathazeka. Ngokuqonda izinhlobo zezintela obhekene nazo, ukuhlala waziwa ngoshintsho, nokuthatha izinyathelo eziphuthumayo zokulawula izibopho zakho, unganciphisa umthwalo wakho wentela futhi ugweme izijeziso. Kungakhathaliseki ukuthi ungumninikhaya, umqashi, noma umninibhizinisi, isikhathi osisebenzisela ukufunda ngentela yendawo siyovuza iminyaka eminingi ezayo.

Ukuze ufunde ngokwengeziwe, abakhokhi beThwala besizwe iUnion inikeza izinqumiso zemithwalo yentela yendawo kulo lonke izwe, futhi amazwe amaningi aneziqondiso ezingokomthetho zentela yendawo. Njengesikhathi sonke, thintana nochwepheshe wezentela ofanelekayo ukuze uthole iseluleko esivumelana nesimo sakho.