Ithenda yomthetho ayisekho?Ifoto ngu-MOHAMMED HUWAIS / AFP / Getty Siye Ukuthetha ngenguqu yoluntu ukuya kuluntu olungenamali ixesha elide, kodwa ibuza umbuzo obalulekileyo: Ngaba iivenkile kunye nezinye iindawo zentengiso zinokwala ukuthatha iidola kunye neesenti?
Akumangalisi njengoko kuvakala, ayisiyongcinga kwakhona njengoko inani elincinci levenkile kunye nemizi-mveliso liyekile ukwamkela imali kwaye livumela intlawulo kuphela ngekhadi letyala, ikhadi lebhanki okanye nge-app ye-smartphone.
Iswiti eluhlaza , indawo yokutyela ephezulu yesaladi, wayeka ukwamkela imali kwiivenkile zayo eziseNew York City EyoMqungu . IBoston yokutyela kufutshane neFenway Park wahamba engenamali kulo Disemba uphelileyo. Uninzi Iinqwelo-moya ziyekile ukuthatha imali Ukuthengwa kokutya kunye neziselo ezibhabhayo malunga no-2010.
Ngelixa umkhwa wevenkile ezincinci ukwala ukwamkela amakhadi etyala ngenxa yemirhumo ephezulu isekwe kakuhle, imeko eyahlukileyo yokwala ukuthatha imali ayikhange ihlolwe kakuhle. Makhe sihlolisise ukuba kutheni bayayenza kwaye ukuba banokuhamba nayo.
Ithenda yezomthetho?
Amashishini athi akayamkeli imali ezinkozo kunciphisa ithuba iivenkile ziphangwa , isusa ukuhendwa kwabaqeshwa ukuba be imali , isusa ixesha iyafuneka kubasebenzi ukuba baye nokubuya ebhankini kwaye banciphise nenkcitho ngokuhambisa kunye nemfuno yeerejista zemali ezinkulu.
Ukanti ukuphelisa imali yingxaki enkulu kumakhaya azizigidi ezili-10 aseMelika awunaakhawunti yebhanki . Ezi ntsapho zingafakwanga iibhanki azinakho ukufikelela ngokuthe ngqo kwiinkonzo zemali ezinje ngamakhadi etyala kunye namakhadi etyala. Kubo, kunzima ukungasebenzisi mali.
Ngapha koko, abanye abathengi badidekile ngumgaqo-nkqubo okoko ngaphambili kwento yonke yemali yase-US ithi: Eli nqaku liyithenda esemthethweni kuwo onke amatyala oluntu nawabucala.
Ngapha koko, loo ngxelo ibonakalisiwe kumthetho womanyano ngeendlela ezahlukeneyo ukusukela Ekupheleni kweminyaka yoo-1800 .
Ke umbuzo ngulo, kutheni ingxelo kwingcezu nganye yemali kunye nemithetho eyahlukeneyo yomanyano exhasa loo nto ithetha ukuba indawo yokutyela, ivenkile okanye inqwelo moya kufuneka yamkele imali yamaphepha?
ICoke iba lityala nini?
Impendulo inokukumangalisa.
Iivenkile akufuneki zamkele imali yamaphepha. Ngaphandle kwebango eliluhlaza, ilungelo lokuba ivenkile yenqabe imali ixhaswa bobabini ngu UNondyebo waseU.S kwaye i Indawo yokuGcina .
Nazi izizathu ezibini ukuba ishishini linokuyala imali nokuba iyithenda esemthethweni kuwo onke amatyala oluntu nawabucala.
Kuqala, le ngxelo ithetha ukuba ekuphela kwemeko apho umntu kufuneka amkele ibhili xa umntu enetyala kwishishini ityala . Ukuba akukho tyala lenziwe, umntu okanye ishishini akufuneki ngokusemthethweni ukuba athathe imali yase-U.S.
Masithi kusebusuku kakhulu kwaye ufuna ipetroli kwimoto yakho. Izikhululo zegesi ezininzi e-U.S. Azithathi matyala amakhulu ebusuku ukukhusela ukuphanga nobusela. Ukuba isikhululo segesi sifuna ukuba abathengi bahlawule irhasi ngaphambi kokumpompa kwimoto yabo, banelungelo elisemthethweni lokwala iindleko ze-US $ 50 kunye ne- $ 100. Akukho mfuneko yokuba amkele amatyala amakhulu kuba de umthengi abeke igesi emotweni, umthengi akanatyala kumnini wesikhululo. Nangona kunjalo, ukuba umthengi uvunyelwe ukumpompa ipetroli emotweni kuqala aze ahlawule, umniniyo kufuneka amkele zonke iintlobo zamatyala aseMelika kuba umthengi unetyala lokulihlawula.
Umcimbi ofanayo ivela kwinqwelo-moya . Ukuba ufuna ukuthenga isiselo nge $ 5, i-airline akufuneki iyamkele imali yakho okoko ifuna ukuba ubhatalele isiselo kuqala. Ude usele isiselo sakho, awunatyala kwindiza.
Kufanele ukuba kubekho umthetho
Isizathu sesibini kukuba ngelixa ingxelo kwisiqwenga semali ngasinye sigcinwe kumthetho womdibaniso, akukho mthetho ungummiselo wobumbano ofuna ukuba iinkampani ziyamkele.
Njenge UNondyebo wase-U.S :
Akukho, nangona kunjalo, akukho mthetho usemthethweni ogunyazisa ukuba ishishini labucala, umntu okanye umbutho kufuneka wamkele imali okanye iimali njengentlawulo yempahla okanye iinkonzo. Amashishini abucala akhululekile ukuba avelise eyabo imigaqo-nkqubo malunga nokuba uyayamkela na imali ngaphandle kokuba kukho umthetho welizwe othi ngenye indlela.
IMassachusetts yenye yelizwe elinayo umthetho ezincwadini Oko kufuna ukuba onke amaziko athengisa amkele intlawulo ezinkozo. Nangona kunjalo, ngalo mzuzu wangoku lo mthetho uyavela ayaziwa , Inkcazo ngqo yendawo yokuthengisa ayicacanga, kodwa okona kubaluleke kakhulu umthetho awuchazi zihlwayo zokwaphula umthetho.
Iinqwelo-moya ezisuka kwisikhululo seenqwelomoya saseBoston ngokucacileyo asizizo iindawo zokuthengisa, kodwa zenze njalo Iigaraji zokupaka eBoston ezithatha kuphela amakhadi etyala ukuwela kudidi lweevenkile?
Inkqubo ye- UPhando ngeKhetho lokuHlawula abaThengi , uphononongo olwenziwa minyaka le yiBoston Federal Reserve, lubonisa ukuba ukuhlawula amatyala ngekheshi kusathandwa kakhulu. Ngo-2013, i unyaka wamva nje wedatha , ikota enye yazo zonke iintlawulo ezenziwe ngabantu bezisenziwa ngekheshi. Nangona kunjalo, enkulu intlawulo, ithuba eliphantsi lemali lalibandakanyekile.
Ithetha ukuthini yonke le nto? Imali isenokungabi yinkosi kwakhona, ngakumbi kumatyala amakhulu.
Nangona kunjalo, imali ayifi okanye ayifi, nokuba ikho amashishini ndinqwenela ukuba imali yamaphepha inyamalale.
UJay L. Zagorsky nguNzululwazi ngezoQoqosho noPhando IYunivesithi yaseOhio State . Eli nqaku lapapashwa okokuqala ngo Incoko . Funda ifayile ye- Inqaku lokuqala .
