Category: PERSONAL FINANCE

ISINQUMO esisanda kukhishwa yiNkantolo yomThethosisekelo esigcwalisa ukuthi eNingizimu Afrika yonke imishado yesintu ihlanganisa amafa sisho ukuthi kubalulekile ukuhlelela amafa omuntu. Isho ukuthi kubaluleke kakhulu ukuqonda imiphumela yomthetho kubantu abahlela ukushada.

ABANTU akufanele babuke ukuthulwa kweSabelomali ezweni lonke njengento eyisimemezelo sosuku olulodwa. Kunaloko kufanele basibheke njengento engabasiza ukwenza izinqumo ezithinta imali nsuku zonke. 

UBUNZIMA besimo sezimali, obuvame ukudalwa yizinhloso ezinhle kodwa ezingaqondakali egameni lothando, bungaphazamisa isimbo sabantu abathandanayo bobabili.

I-STANDARD Bank Personal and Private Banking iphuthumisa uxhaxha lwayo lwamagatsha ukuhambisana noshintsho endleleni amakhasimende asenza izinto ngayo nokuncipha kwezindawo ezisebenzisa imali ewukheshi njengoba kwanda amagatsha angeke esaphatha imali kulo nyaka.

I-FINANCIAL Sector Conduct Authority (iFSCA) ixwayisa umphakathi ukuthi uqaphele abantu abazenza lo mlawuli wemboni yezimali nesisebenzi sayo. 

ABANTU abaningi baseNingizimu Afrika bakuthola kunzima ukuthola izikweletu noma ukuboleka imali ngoba abakaze babenezikweletu, abanye abazitholi ngenxa yamaphutha abawenza asengcolise igama labo lokukweleta. 

NJENGOBA sekudlule ubumnandi bangoDisemba nabantu sebefuna ukuqala impilo kabusha, amaqola acuphe zinkalo zonke ukuthatha loko okuncane abanako.

PHEZU kokwehla komthwalo emahlombe abantu baseNingizimu Afrika njengoba iBhange lomBuso lehlise imalimboleko kodwa iningi lisacwile ezikweletini.

ASISEKHO isidingo sokuthi izivakashi eziza eNingizimu Afrika zishintshe imali njengoba amabhizinisi awu-16 000 asebenzisana neStandard Bank esezokwazi ukumukela imali yamazwe ahlukene. 

USOSESHINI wabaluleka ngezikweletu eNingizimu Afrika iNatioal Debt Counselling Association (iNDCA) ufuna kuchitshiyelwe umthetho wezikweletu i-National Credit Act, ukuze kungabikhona abeluleki abangagunyaziwe kule mboni.

UKUQINISEKISA ukuthi abantu basemakhaya abangeni ezindlekweni uma bethunyelelwe imali, iStandard Bank isiyenze ukuthi imali ethunyelwa ngohlelo lwayo lwe-instant money ikhipheke nakumaspaza. 

KUXWAYISWA abantu baseNingizimu Afrika ukuthi baqaphele “izindali” ze-Black Friday njengoba kuza lolu suku oluthathwa njengokuthi lusuke lunemititilizo eminingi. 

UKUSUKA emholweni wokuqala ufinyelele ekukwazini ukuthenga umuzi wokuqala kuwuphawu lokukhula. Nokho kubantu abaningi abasanda kuqala ukusebenza loku sekuthatha isikhathi eside kunakuqala.

SEKUPHELE unyaka uhulumeni waseNingizimu Afrika wavumela abantu ukuthi banyule imali ezikhwameni zabo zempesheni ukuze benze izinto ezibaxinile. 

BAWU-250 000 abantu baseNingizimu Afrika abalulekwa ngezikweletu kanti njalo ngonyaka bakhokha uR15 billion ngazo.

INKAMPANI enkulu yobuchwepheshe bemali iMuruku imemezele ukuthi isizosebenzisana neMoneyGram, inkampani yobuchwepheshe bemali emhlabeni. 

IMINDENI eminingi eNingizimu Afrika ayikwazi ukonga. Loku kubonakala uma ivelelwe yizimo eziphuthumayo. Ukonga kubanzima ngenxa yokunyuka kwanani okudla, uphethroli nogesi.

UKUSIMAMA kobuchwepheshe kusho ukuthi asisekho isidingo sokuthi abantu bahambe bephethe amakhadi asebhange njengoba esetholakala kumaselula nasemawashini.

UKUZE ungazitholi usuciciyela ezimalini ngomuso kufanele ubenezinhlelo ezicacile ngemali. 

IHHOVISI lomxazululi wezinkinga ezithinta izikhungo zezimali iNational Financial Ombud Scheme South Africa (iNFO) libuyisele abathengi abakhale kulona ngezikhungo zezimali uR328,5 million.

UMA ingane ilambile ayikuceli ukudla kuyise kodwa itshela unina. Yilesi sizathu esenza uNkk uNcumisa Ndelu wasungula ikhasi labesifazane elibafundisa ukonga imali nokuthenga ukudla ngendlela eyonga imali.

YIZE ukunyula imali yempesheni kubonakala sengathi kungenise imali kusize abantu baseNingizimu Afrika kodwa ucwaningo olusha luveza ukuthi abaningi basaphila ngesikweletu.

UMLAWULI wemboni yezimali iFinancial Sector Conduct Authority (iFSCA) uhlawulise i-Ninety One Fund Managers uR3 million ngokuphula isigaba 42(1) no (2) sokuphatha imali.

ABANTU baseNingizimu Afrika sebenesiqiniseko sokuthi ngeke inyuke intela yezimpahla i-value added tax (i-VAT) emva kokuthi iNkantolo eNkulu eCape Town ikhiphe isinqumo esimisa ukunyuswa kwayo.

I-PRUDENTIAL Authority (iPA), uphiko oluqapha ukusebenza kwamabhange ngaphansi kweBhange loMbuso, ihlawulise i-Absa uR10 million ngokungalandeli imithetho ye-Financial Intelligence Centre Act 38 yango-2001 (i-FIC Act).

UMLAWULI wemboni yezimali iFinancial Sector Conduct Authority (iFSCA) ihlawulise i-African Bank uR700 000 ngenxa “yesikhangiso esikhohlisayo”. Kule nhlawulo, uR200 000 ulengisiwe iminyaka emibili.

UKWANDA kwezindlela zokuthenga online okufaka ukudilivelwa izimpahla, ukufuna imoto ezokuhambisa endaweni ethile, ukufuna ama-video nezinye izinto ozikhokhela usekhaya, sekuvulele amaqola ithuba.

SILULIWE isikhathi sokushintsha amakhadi okuhola izibonelelo zikahulumeni anombala osagolide njengoba abaziholayo benikwe kuze kube sekupheleni kukaMeyi ukuwashintshe.

SIGCINE sizwakele isililo sonogada osekuphele iminyaka bekhala ngokuthi babanjelwa imali yempesheni kodwa uma sebeshiye emsebenzini noma bediliziwe bangayitholi impesheni yabo.

YIZE izinto ziguquka ngenxa yobuchwepheshe kodwa kusekhona abantu abaziphilisa ngokudayisa bese bekhokhelwa ngokheshi. Laba bantu kufanele bakhuthazwe ukuthi bonge imali.

UCWANINGO olusha luveza ukuthi i-Absa iyibhange elinezindleko eziphansi kuma-akhawunti uma iqhathaniswa namanye amabhange.

SEKUKANINGI kubanombango wemali yempesheni namafa uma kufa umuntu obebeka imali yempesheni. Kwesinye isikhathi uthola umndeni ulwisa obhaliwe ukuthi imali iye kuye. Kuyenzeka kwesinye isikhathi ababheke izikhwama zempesheni basolwe ngokungenzi kahle uma bengabacazelanga imali bonke akade bondliwa wumufi.