Zonke Izibali Ezinembile

Bala izinkokhelo zenyanga zesikweletu, izindleko zenzalo eyonke, ubuke uhlelo olugcwele lokukhokha. Qhathanisa izinhlelo zenkokhelo ezilingana nezehla ngezihlangothimbili. Khipha imiphumela yakho ku-PDF ngokucofa kanye.

Hlela ukuthenga kwakho kwendlu ngokusetshenziswa okugcwele kwezindleko zemorgeji, kuhlanganisa izindleko zenotari, umshwalense, nentela yokudluliswa kwempahla. Thola kahle ukuthi iyiphi iholo eniyidingayo. Uhlelo olugcwele lokukhokha luhlotshisiwe.

Bala inkokhelo yakho yenyanga yokuqashwa usebenzisa izindlela ze-EU (balloon annuity) noma ze-US (money factor). Kuhlanganisa inkokhelo ephansi, inani elisasele, nokwehlulwa kwezindleko eziphelele. Qhathanisa izindlela zombili ngezihlangothimbili ukhiphe ku-PDF.

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Bona ukuthi izinsizwa zakho nezifondale zikhula kanjani ngokuhamba kwesikhathi ngenzalo ebhinqiwe nezinzuzo ezijwayelekile. Bona amandla okwengeza kabusha izinzuzo ngomudwebo wokusebenzisana. Qhathanisa izinga ezihlukene nezizinda zezikhathi ngokushesha.

Thola nini ukuthenga indlu sekuzoba namphethelwa nokunye kunokulungele ukuqasha ngokuqhathaniswa okunemininingwane kwezindleko zesikhathi eside. Kuhlanganisa izindleko zemorgeji, ithuba lokusebenzisa imali yokukhokha phansi, nokukhula kwempahla. Bona umkhawulo wokulingana emudwebweni.

Thola kahle ukuthi uze unenge malini ngenyanga ukufinyelela inhloso yakho yezimali ngesikhathi esifanele. Ibala inzalo ebhinqiwe ukuphakamisa ukonga kwakho. Lungisa isikhathi nesizinda sentengo ukuthola uhlelo lwakho oluhambisana nawe.

Bala ukuthi izifondale zakho zenyanga ze-SIP zikhula kanjani ngokuhamba kwesikhathi ngamandla okwengeza. Bona imiphumela eholelwa, inani elongelwe, nomcebo utholakele ngomudwebo wokusebenzisana. Hlela isu lakho lokufondelwa isikhathi eside.

Bala amaphesenti ngokushesha, thola ukuthi inombolo eyodwa ingamaliphi amaphesenti enye, noma bala ukuguquka kwamaphesenti phakathi kwamavelu amabili. Igwala zonke izinkinga zokujwayeleka zamaphesenti ethuluzi elilodwa. Imiphumela yangesikhathi esifanayo ngaphandle kwenkinobho.

Engeza noma susa i-VAT emazweni angama-30 aseYurophu ngokucofa kanye. Ixhasa wonke amavoti ajwayelekile, ahungulwa, nawangeziwe ahungulwa e-VAT. Khombisa ngokushesha intengo engenamali, inani le-VAT, nentengo eyengeziwe.

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Bala imali ongayithola ngempela ekhokhelweni lakho kusukela kuholo eliphelele wase-US, UK, Germany, India, ne-Canada — kufakwe intela yemali engenayo neminikelo yezenhlalakahle.

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Shintsha phakathi kwezinhlobo ezingama-30 zemali ezinkulu emhlabeni usebenzisa amanani okushintshanisa avuselelwa nsuku zonke, aphuma eBhange Elikhulu LaseYurophu.

Bala amanani okuthengisa, hlanganisa amasaphulelo amaningi ngendlela efanele, noma uthole inani lokuqala kusukela enanini elehliswe ngesaphulelo.

Thola ukuthi udinga malini ukuze uthathe umhlalaphansi nokuthi uhlelo lwakho lwamanje lokonga luhamba kahle yini, usebenzisa umthetho wokukhipha we-4%.

Bala inzuzo kutshalomali nenzuzo yaminyaka yonke (i-CAGR) kusukela enanini lokuqala kuya kwelokugcina.

Bala izindleko zikagesi zamathuluzi akho — nsuku zonke, ngenyanga, nangonyaka — ngokusekelwe kumandla nentengo yakho kagesi.

Bala izindleko zepharafini zohambo oluthile noma isabelo sakho senyanga. Qhathanisa izindleko zebhensini, idizili, i-LPG, nezimoto zikagesi ezinemali ezihlukene. Faka ukusetshenziswa kwemoto yakho nentengo yamanje yepharafini ukuthola imiphumela ngokushesha.

Bala inani lethiphu uhlange ibhili eliphelele ngokufana phakathi nabantu abaningi. Ixhasa amaphesenti ethiphu ngokukhethwa namazinga eqembu. Akusekho izibalo zengqondo edayini.

Bona ukuthi izimpahla ezifanayo zizobiza malini esikhathini esizayo nokuthi amandla emali yakho okuthenga azokwehla ngangakanani.

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Bala i-BMI yakho (Body Mass Index) uthole ukuthi ufela koluphi uhlobo lwabasebenzi. Bona isikhewu sakho sesisindo esiphilile ngokuya ngobude bakho. Kuhlanganisa iziwombe zombili eziyizintambo nezingezinhle.

Thola izidingo zakho zamakalori nsuku zonke ne-TDEE (Total Daily Energy Expenditure) ngokuya ngeminyaka yakho, isisindo, ubude, namazinga okusebenza. Beka inhloso yokulahla noma ukwengeza isisindo uthole inani lamakalori omgomo wakho. Isebenzisa indlela ye-Mifflin-St Jeor.

Thola isisindo sakho esifanele somzimba usebenzisa izindlela ezine zezobuchwepheshe: Hamwi, Devine, Robinson, noMiller. Bona isikhewu sesisindo esiphilile nge-BMI sobude bakho. Imiphumela ikhombiswa wabesilisa nabesifazane.

Bala Ingqikithi Yezindleko Zamandla Zansuku Zonke Nesilinganiso Se-Basal Metabolic ngokusekelwe eminyakeni yobudala, isisindo, ubude, kanye nezinga lomsebenzi. Zibekele umgomo wekhalori wokuncipha, ukunakekela, noma ukuzuza.

Bala iphesenti lamafutha omzimba wakho usebenzisa indlela ye-US Navy ngentamo, ukhalo, nezilinganiso zenyonga. Kufaka phakathi izigaba zamafutha omzimba amadoda nabesifazane kanye nokwahlukaniswa kokwakheka komzimba okubonakalayo.

Bala usuku lwakho olulinganiselwe lokukhulelwa ngesikhathi sokugcina sokuya esikhathini, usuku lokukhulelwa, noma ukudluliswa kwe-IVF. Bona iminyaka yokukhulelwa, i-trimester, nazo zonke izinyathelo ezibalulekile zokukhulelwa.

Linganisela isikhathi sakho sokuzala, usuku lwe-ovulation, nesikhathi sakho esizayo sesikhathi ngokusekelwe kumjikelezo wakho.

Thola isikhathi esihle kakhulu sokulala noma sokuvuka ngokusekelwe kumjikelezo wokulala wemizuzu engu-90.

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Bala ukuthi udinga upende omingaki egumbini — ngamalitha nangamagabha — ngokusekelwe kubukhulu bodonga, izigaba zopende, nezikhala.

Thola iminyaka yakho eqondile ngeminyaka, izinyanga, nezinsuku kusuka kunoma iyiphi idethi yokuzalwa. Bona ingqikithi yezinsuku namaviki aphile, izinsuku kuze kube usuku lwakho lokuzalwa olulandelayo, uphawu lwe-zodiac, nesilwane sase-Chinese sezinkanyezi.

Bala i-GPA yakho enesisindo usebenzisa isikali sase-US 4.0 noma isistimu yokugreda yamaphuzu angu-6 yaseYurophu. Engeza izifundo ezinamahora esikweletu ukuze uthole isilinganiso esinesisindo esinembile.

Bala inani eliqondile lezinsuku, amasonto, izinyanga, neminyaka phakathi kwamadethi amabili. Kubandakanya ukubala kwezinsuku zokusebenza kanye nokwahlukaniswa konyaka/inyanga/usuku olugcwele.

Bala ukuthi udinga ukhonkolo ongakanani kuma-slabs, amakholomu, nezinyawo. Ibonisa ivolomu kuma-cubic metres namayadi, kanye nenani lezikhwama ezidingekayo kumasayizi wemethrikhi kanye nama-imperial.

Bala ukuthi mangaki amathayili owadingayo ukuze uvale iphansi noma udonga. Faka indawo yegumbi, usayizi wethayela, namaphesenti okumosha. Ngokuzithandela thola inani lamabhokisi adingekayo.

Bala ukuthi udinga i-mulch, amatshe, isihlabathi, inhlabathi, noma inhlabathi engaphezulu kangakanani ngendawo nokujula. Ibonisa ivolumu, isisindo, kanye nenani lezikhwama ezidingekayo.

Shintsha ubude, isisindo, izinga lokushisa, umthamo, ubukhulu, nesivinini phakathi kwesistimu ye-metric neye-imperial.

Amamaki esifundo asindiwe kanye namaphuzu odinga ukuwathola ekuhlolweni kokugcina.

Hlanganisa, susa, phindaphinda, futhi wahlukanise amaqhezu, uwenze abe lula kakhulu, futhi uguqule izinombolo ze-decimal zibe amaqhezu.

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