Ukuthenga amathuna kunganikeza izinzuzo ezimbalwa
Naphezu kokukhathazeka okukhulayo ekuthunjweni emashumini eminyaka adlule, ukugujwa komzimba womuntu oshonile kuhlale kungumthombo oyinhloko wesimo emazweni amaningi emhlabeni wonke, njengama-United States, ePoland nase-Italy, nasezindaweni lapho izinkolelo zenkolo zivimbela ukuma komzimba umlilo . Lesi sihloko sihlola izizathu ezintathu ongase uthande ukuthenga isakhiwo samangcwaba ngaphambi kokuba ufe, futhi izinzuzo zokuthenga amathuna ngaphambi kokufa zinganikeza uma ukuvunywa emangcwabeni (kungenhla noma ngaphansi komhlaba) kuyindlela yakho ekhethiwe yesimo sokugcina.
"Akunakwenzeka"
Echaza ukuthi kungani eqhubeka efaka imali yakhe emzimbeni wezilwandle, u-humorist u-Will Rogers ushilo wathi, "Ngesizatfu sodwa sokuthi sasiningi kakhulu futhi sasingekho futhi, futhi abangeke baphinde benze." Ngempela izwe liyisimali esiphelele, futhi noma iyiphi i-agent real estate izokutshela ukuthi umthetho obaluleke kakhulu olawula intengo yokuthenga yendawo "Indawo, Indawo, Indawo." Izindlu ezimbili ezifanayo ezibekwe ezindaweni ezihluke kakhulu - enye enombono omuhle olwandle futhi enye ebheke ngokufelwa komhlaba, isibonelo - izothengisa ngemali ehlukene kakhulu.
Umgomo ofanayo ulawula izindleko zamangcwaba. Ukufunwa kwamathuna athile, ikakhulukazi, nokutholakala kweziza endaweni emangcwabeni ethile, ngokuvamile, ukushayela isidingo, ngakho-ke inani lemali abantu abazimisele ukuyikhokha .
Naphezu kokuba amathuna angaphezu kuka-40,000 e-United States yodwa ehlala njalo emathunjini omuntu, amathuna amaningi namuhla abhekene neqiniso elibi: awakwazi ukudala isikhala sokungcwaba futhi ekugcineni ngeke aphume egumbini .
Ukwengeza kulokhu inani elincane lezomhlaba elitholakalayo lokusetshenziswa njengamathuna ngenxa yokusabalala okungenakulinganiswa kokuthuthukiswa kokuhlala kanye nebhizinisi, imikhawulo yokuklanywa kwemikhawulo, nokuthi amathuna amaningi asekhona manje akhiwe ngenxa yokukhuliswa kwedolobha, futhi kulula ukuqonda ukuthi kungani abanye Amathuna azogcina edinga ukufaka "Ayikho Imisebenzi" emasangweni abo amakhulu.
Ngaphezu kwalokho, ngisho namathuna anezindawo eziningi ezitholakalayo emashumini amashumi ambalwa alandelayo ahlose ngokugcwele - i-cookie-cutter fashion - ukusetshenziswa okunamandla kakhulu kwalowo mhlaba ukuze kukhuliswe inani lamathuna okulahlwa bese kuhloswe lezi ziza ngokusho ukufuna indawo. Ngeshwa, kunamasayithi amancane okubusa ngaphansi kwezihlahla ze-oak emagqumeni asotshani kunokuba kuneziqephu ezihamba phambili ezilahlekile phakathi komugqa emva komugqa wamatshe amathuna aphula ngaphandle kwe-nondescript acreage. Qagela ukuthi yiluphi uhlobo lwesayithi oluthengisa maduze.
Ngakho-ke, ukuthenga amathuna ngokushesha kungakapheli kamuva akunikezi nje kuphela inombolo enkulu yamasayithi okumele ukhethe kuwo wonke amathuna anikeziwe kodwa futhi nokukhethwa okukhulu kwezindawo ezifiselekayo .
Ukufa, Izintela kanye ne-CPI
Ngokusho kukaBenjamin Franklin, ukufa kanye nezintela kuphela kwakuyiqiniso, kodwa uma ephila nanamhlanje, mhlawumbe anganezela iqiniso lokuthi cishe yonke into ikhula ngokweqile ngokuhamba kwesikhathi . (I-US Government Consumer Index Index Index, noma i-CPI, ibonisa lokhu kwanda ngentengo ejwayelekile yezimpahla phakathi neminyaka.) Ngokwesibonelo, ngonyaka ka-1991, intengo ejwayelekile yegesi yegesi ngaphesheya kwe-United States yayingu-$ 1.10, imoto entsha ngokuvamile yayigijimela u-$ 9,989, kanti baseMelika bachitha cishe amaRandi ayizi-125 500 zendlu.
Ngalolo nyaka, izindleko zomngcwabo omdala omdala olinganiselwa ku $ 3,742.
Lapho lesi sihloko sibhalwa, umngcwabo omdala omdala ugijima ngaphezu kwamaRandi ayizigidi ezingu-6 600 (isibalo esingabonakali ngisho nezindleko zamatshe ethuneni, phakathi kweminye iminye imisebenzi ye-funerary), futhi abathengi bangaphupha kuphela ukuthenga indlu, imoto noma igesi ngamanani ka-1991. Ngisho nokungahambisani nokufunwa kwento ethize (njengoba kuphawuliwe ngenhla) nokuthi kuthinta kanjani intengo, ukukhula kwanoma yikuphi abantu abanikeziwe (phakathi kwezinye izici) kwandisa izindleko zezimpahla zokugcina izinto, okungukuthi, abantu abaningi abafuna into efanayo baqonde ezinye bangakwazi / bazimisele ukuyisebenzisa ngaphezulu kunabanye.
Ngakho-ke, ukuthenga amathuna ngokushesha kunokuba mhlawumbe kamuva kusho ukuthi intengo oyikhokhayo manje isakhiwo izoba ngaphansi kokukhokha esikhathini esizayo .
Ukunethezeka Kwesikhathi
Enye inzuzo ebalulekile yokuthenga amathuna ngaphambi kokufa yikhono "lokuthenga nxazonke." Ngenkathi umqondo wokuqhathanisa iziqephu ezenziwa ngamathuna amabili noma ngaphezulu kungase kubonakale engavamile, ukuthenga amathuna ngaphandle kokucindezelwa kokungcwaba othandekayo kukuvumela ukuba ulinganise okukhethwa kukho ngokucacile ngaphandle kokuzizwa ugcwele usizi nokulahlekelwa . Izinqumo eziningi okumelwe zenziwe emva kokufa komuntu omthandayo zingabangela umthwalo uma uhlela umngcwabo futhi wangcwatshwa ngenxa yenkinga yokubandakanya. Ukubhekana nokukhetha okuningi phakathi kokudabuka, kuvamile ukukhetha izinsizakalo kanye nezinketho ngaphandle kokucabangisisa kakhulu ngenxa nje yokuthi ngokushesha ukwenza izinto kwenziwe.
Ngakolunye uhlangothi, ngokuthenga izakhiwo zamathuna ngaphambi kokuba kudingeke, ususe ukucindezela okunjalo futhi ungacabange ngokucacile. Ngesikhathi sokunethezeka kwesokunene sakho, ungahlola ngokugcwele izinketho zakho, ulungiselele umngcwabo wakho wangcwatshwa, ulungise uhlu lwemibuto lokubuza, futhi uvakashele amathuna kusengaphambili.
> Imithombo:
> "Ingabe i-Rogers izohlala kwi-Real Estate." www.willrogerstoday.com . Ibuyiselwe ngo-Agasti 20, 2013. http://www.willrogerstoday.com/will_rogers_quotes/quotes.cfm?qID=7
> "Indawo yokuphumula yokugcina: Amathuna awasobala," uMeyi 20, 2012. www.cbsnews.com . Ibuyiswe ngomhla ka-Agasti 20, 2013. http://www.cbsnews.com/8301-18560_162-57437573/cemetery-misconduct-raises-concerns
> "Kungani Ukhokha Kakhulu Kwegesi" nguJohn T. Harvey, ngo-Ephreli 26, 2011. www.forbes.com . Ibuyiswe ngomhla ka-Agasti 25, 2013. http://www.forbes.com/sites/johntharvey/2011/04/26/why-you-are-paying-so-much-for-gas
> "Amanani ema-90s." www.inthe90s.com . Ibuyiswe ngomhla ka-Agasti 25, 2013. http://www.inthe90s.com/prices.shtml
> "Inhlolovo Yohlu Olubanzi Lwezintengo." www.nfda.org . Ibuyiswe ngomhla ka-Agasti 25, 2013. http://nfda.org/about-funeral-service-/trends-and-statistics.html . Qaphela: Izibalo ezibalulwe ngenhla azibonakali izindleko zamangcwaba kanye nezindleko zesikhumbuzo / izimakethe noma amacala angeke ayenze imali, okufana nezimbali noma iziqhingi.
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