Akukho sizathu sokucinga ukuba umtyali mali olandelayo akanakho ukuzuza, naye.Iipelisi Eli nqaku livele ekuqaleni kwiQuora: Xa umntu esenza imali kwimarike yemasheya, ngaba omnye umntu uphulukana nemali?
Ndibe ngumrhwebi onobuchule kwisitokhwe kule minyaka ilishumi idlulileyo. Ndifumene impendulo yalo mbuzo ngengozi-kwaye yabutshintsha ubomi bam.
Kwibanga lesithandathu sidlale umdlalo wentengiso yesitokhwe. Sifumene i-10, 000 yeedola ukuba sabele naziphi na izitokhwe ezinamaxabiso aprintwe kwiWall Street Journal, kwaye emva kweenyanga ezintathu ulwabiwo oluvelise eyona nzuzo inkulu luya kuwuphumelela umdlalo. Ndifuna ukuphumelela, ndabuza utitshala ukuba kutheni amaxabiso esitokhwe enyuka. Kuba abantu bayazithenga. Kwaye kutheni bezithenga? Kungenxa yokuba amaxabiso anokunyuka, emva koko baya kuzuza. Isangqa esikhohlakeleyo kule nkcazo yemodeli yokuthatha inxaxheba kwimarike yemasheya njengomdlalo we-zero-sum. Oko kukuthi, nayiphi na inzuzo endiyenzayo iphuma ngqo epokothweni yomnye umntu. Ukungcakaza okusemthethweni.
Ewe, andizange ndithenge ukuba le nto kuphela yayikukuxelela ibali. Ukuba uninzi lweenkampani ezinkulu emhlabeni bezikhwele, kunye nazo zonke iimali zepenshini kunye neenkampani zeinshurensi, bendisazi ukuba kufanelekile ukuba kubekho enye into. Ke ngalo lonke ixesha ndidibana nomntu obonakala ngathi ulumkile kwaye unento ayaziyo malunga neshishini, bendibuza lo mbuzo. Andazi nokuba babengenakuyiqonda nje kakuhle na inyani okanye ukuba babezama nje ukuba sisimumu impendulo yomntu oselula, kodwa yonke iMBA endithethe nayo yandinika le ngqokelela yomdlalo. Ndiqale ukucinga ukuba ishishini lolabantu ababengabinangqondo ngokukodwa.
Ngexesha lesemester yam yokugqibela njenge undergrad ndandisoloko ndisiya kwi bar ekhampasini. Bendikhona rhoqo ngorhatya lwangoMvulo emva kweklasi emva kwexesha, ndenza intwana yokusela kunye nokufunda kancinci. Unjingalwazi wezoqoqosho wayehleli ecaleni kwam ebharini, naye ehla ezantsi ukusukela ngala mhla. Wayengumntu onomdla, kwaye sixoxa ngayo yonke into ukusuka kwifilosofi kunye nenkolo ukuhamba kunye newayini kusapho nakwimisebenzi. Emva kokwakha imbeko eyaneleyo kule ndoda, ndaqala ukuba nengcinga. Ukuba nabani na unokundicacisela, Ndicinge, lo mfo unako.
Ngoloyiko olukhulu ndabuza umbuzo oqhelekileyo: Kutheni umntu enokuthenga isitokhwe?
Kodwa impendulo eqhelekileyo ayibuyanga.
Lowo ayingombuzo olungileyo, John. Umbuzo olungileyo ngulo, kwakutheni ukuze umntu anike isitokhwe ukuze athengise kwindawo yentengiso kwindawo yokuqala.
Owu. Eli xesha lahlukile.
Sobabini sikule bar ngeveki nganye. Siyayithanda. Ibuphucula ubomi bethu. Kwaye sihlawula imali kwibha ethi, ukuba ishishini lebha lisebenza kakuhle, lenza inzuzo kumniniyo.
Iyavakala kakuhle. Ngapha koko, yenza ukuba izandi zivakale njengezinto ezintle eluntwini, ubuncinci kwezinye iimeko.
Kodwa xa kuziwa ekuqaliseni ishishini, kuthatha imali ukwenza imali. Umniniyo kwafuneka azibophezele kwesi sakhiwo, wathenga izinto zeglasi notywala, wafaka izitulo nale bar yamaplanga intle phambi kwethu, waqesha nabasebenzi. Uninzi lwabantu abanomdla wokuqala ishishini elincinci abahlali kwimali ebandayo, enzima. Kufuneka bayifumane kwenye indawo.
Oku kunengqiqo, kodwa ingena phi imarike yemasheya?
Kwenzeka ukuba ndimazi umnini apha, kwaye wahamba ngokudibanisa iindlela ezimbini. Inye, wafumana imali-mboleko ebhankini. Kodwa akazange afune ukuba kwi-hook kakhulu xa ibha isilele, kwaye ngaphandle koko, ibhanki ayinakumboleka imali eninzi ngaphandle kokuba unesikhumba kumdlalo. Ke wazisa umtyali mali. Iqabane lesibini lifake imali, kwaye umntu esimaziyo nawe ubeka lo msebenzi.
Kukho ibhalbhu yokukhanyisa ephumayo.
La maqabane mabini ahlulahlula iiasethi kunye nokuhamba kwemali ngokulinganayo ukuya kwisixa sebar nganye kubo. Ngamanye amagama, bayazahlulahlula inzuzo kwimisebenzi yesiqhelo yebar, kunye nobunini befanitshala notywala njalo-njalo xa kunokwenzeka bathathe isigqibo sokuyithengisa, ngokuxhomekeka ekubeni liqabane ngalinye linamalini. Kwangokunjalo, ukuba bathengisa ibha ngenye imini, emva kokuba behlawule amatyala ebhawa, bayakwahlula ingeniso.
Ixesha lokutshintsha utshintsho.
Ukuba nesitokhwe kufana nokuba lelo qabane. Unebango kuzo zonke iingeniso kunye neeasethi zeshishini emva kokuba kuhlawulwe amatyala alo njalo njalo. Ishishini linokwakha amandla alo okufumana, liqokelele iiasethi, kwaye libe ngumgqatswa onomtsalane kumashishini amakhulu ukuze lithenge, kwaye kuzo zonke iimeko isitokhwe sakho kwinkampani sinokufaka inzuzo epokothweni. Abantu bathenga isitokhwe ukuze bathathe inxaxheba kula mathuba enzuzo, kwaye ixabiso liyonyuka njengoko abantu becinga ukuba izibonelelo ezinokubakho zixabiseke ngaphezulu.
Kodwa umtyalomali ujongane ngqo nomfo oqhuba inkampani. Kwimarike yemasheya asizithengi izabelo ngqo kwinkampani, akunjalo?
Inkampani ifumana imali ngokuthe ngqo nanini na inikezela ngesitokhwe esitsha. Iibhanki zotyalo-mali ziyinceda ukuba ibeke isitokhwe esitsha kunye nabatyali mali. Kodwa abantu abanesitokhwe banokufuna ukuyithengisa, kulapho imarike yesibini ingena khona.Lapho kulapho uMama kunye nePop kunye neengxowa mali kunye njalo njalo bayahlangana ukuthenga nokuthengisa isitokhwe esele sikhutshiwe. Kuyafana nje nokuba umtyali mali kule bar uthengise isibonda sakhe ebharini komnye umntu.
Ngoku siyizisa ekhaya.
Uthenga isitokhwe ukufumana ibango kwishishini, kwaye uyathengisa xa uzimisele ukuyeka ibango ngokutshintshisa imali. Xa abantu becinga ukuba isitokhwe siza kuvelisa ixabiso elikhulu kunemali abahleli kuyo, kwaye basebenze kweso sigwebo ngokuthenga isitokhwe, ixabiso lesitokhwe liyenyuka. Kwaye ngokuchaseneyo ngokuthengisa.
Okwangoku sinokuwuphendula kakuhle umbuzo:
Khawufane ucinge ukuba umtyali mali we-bar ufake i-150 yeedola kwasekuqaleni kwaye wafumana i-50% ye-bar. Yithi yeyakhe iminyaka elishumi, kwaye ishishini liyaphumelela ngenene ngelo xesha. Ngenye, ukhupha iingeniso, ke mhlawumbi sele efumene ngaphezulu kwe- $ 150k yakhe ebuyileyo - ukuba uthengisa indawo yakhe yebha, nantoni na ayifumanayo yinzuzo emsulwa. Kwesinye, ibar mhlawumbi yakha iiasethi ezithile ngelo xesha. Kusenokwenzeka ukuba usithengile isakhiwo ekuso, kwaye icandelo lakhe lesakhiwo ngoku linokuba nexabiso elingaphezulu kolutyalo-mali lokuqala.
Ke ayisihlawulwanga kuphela ngokuhanjiswa kwemali, kodwa ubunini bayo bonyuke ngexabiso elinzima ngenxa yokulingana abanako kwisakhiwo. Nokuba uyithengisa phi uyangenelwa, kwaye eneneni unokuyithengisa ngaphezulu kunokuba ebeyifakile kwasekuqaleni.
Kwaye akukho sizathu sokucinga ukuba umtyali mali olandelayo akanako ukuzuza, naye. Ukuba ibha igcina nje isantya semali eyabelweyo iya kuhlala isiza kwaye ekugqibeleni ibar iya kuba yeyakho ngqo. Okanye banokwandisa, bongeze ukutya, okanye bavule indawo yesibini, kwaye inzuzo yabo inyuke. Wonke umntu unokuhlala eyibona imali yakhe inyuka ngaphezulu nangaphezulu, okoko nje ishishini liqhubeka liphumelela.
Kuyafana nakwimarike yemasheya. Logama amashishini eqhubeka ephumelela, amasheya anokuqhubeka ekhula ngexabiso ngaphandle kokulahlekelwa ngumntu. Inzuzo epokothweni yakho ayizukuvela kwilahleko yabanye abathathi-nxaxheba kwimarike kodwa kwixabiso elenziwe ziinkampani. Ewe, abanye abathathi-nxaxheba beemarike abanakho ukwenza inzuzo eninzi njengoko kungenjalo-kulapho ingeniso yakho ingena khona-kodwa oko kukuphulukana nethuba, hayi ilahleko yemali. Iinkampani zifumana imali (imali) yokuxhasa ngezicwangciso zeshishini. Abatyalomali bafumana ukuthatha inxaxheba kwimpumelelo yeshishini labo. Inokuphumelela ngokwenene.
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UJohn Roberson ngusomashishini, umrhwebi esitokhwe, kunye nomxazululi weengxaki zemali ohlala eAustin, TX. UJohn ukwangumnikeli weQuora. Unokulandela iQuora kwi Twitter , Facebook , kunye UGoogle + .
