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IINKCUKACHA

Nje ukuba uthathe umnqweno wokwenza imali ngokurhweba kwakho kwaye ubeke umnqweno wokwenza okwenziwa ngabarhwebi abalungileyo, ingqondo yakho iyatshintsha kwaye ikuvumela ukuba wenze izigqibo ezilungileyo ngakumbi. -UCraig Cobb

Inyathelo phakathi kwePenury kunye neSolvency
U-Alan (amagama akulo mbhalo atshintshiwe) ufikelele esiphelweni se-tether yakhe. Umsebenzi wezandla zakhe awanelanga ukumtyisa ukutya okuziinkozo, singasathethi ke ngokuhlawula irenti. Uyaluphala kwaye kufuneka atshate ukuze aqalise usapho, kodwa akakwazi nokuhlawula owona msitho womtshato uphantsi. Ufuna ukuqokelela imali yomtshato wakhe. Ufaka isicelo kumzi-mveliso wamachiza yaye uqeshwa ngoko nangoko. Kuyenzeka ukuba nabani na ofake isicelo apho uya kuqeshwa ngoko nangoko kuba akukho mvelaphi yemfundo ifunekayo. Ngaphandle koko, oyena mntu unamandla ehlabathini akanakusebenza kumzi-mveliso kangangonyaka.

U-Alan ufumanisa ukuba iimeko zokusebenza zimbi kakhulu. Ngaphandle kwento yokuba kufuneka usebenze ubuncinane iiyure ezili-12 ngosuku (iiyure ezingama-84 ngeveki), ngomsebenzi onzima kakhulu, ukhuseleko lwasefektri lunomlinganiselo onguziro kwaye imichiza ebukhali ngokwayo inobungozi obukhulu empilweni. Ukuba wenzakala, uya kugxothwa ngaphandle koncedo lokuqala. Umvuzo wenyanga ungaphantsi kwe-100 yeedola. Wohlwaywa ngokuza emva kwexesha emsebenzini kwaye i-$3 itsalwa emvuzweni wakho ngosuku ukuba awukho, nokuba ukungabikho kwakho kungenxa yempilo.

UAlan uyakuthanda ukusebenza nzima yaye ukhuthele, ukanti wayeka emsebenzini kwisithuba esingaphantsi kweeveki ezintathu. Umchiza onukayo uyingozi empilweni yakhe.

Umfazi kaSamson ufile, eshiya abantwana abathathu ukuba abanyamekele. USamson ukholelwa ukuba ekuphela kwendlela yokubeka inkumbulo yomfazi wakhe amthandayo kukubanyamekela kakuhle abantwana bakhe. Nangona umvuzo wakhe ungeninzi kangako, uyiphatha kakuhle imali ukuze abantwana bakwazi ukuya esikolweni baze bafumane ukutya okusisiseko.

Ngequbuliso, umphathi kaSamson ubhengeza ukuba le nkampani ayisenzi ngeniso kwaye bonke abasebenzi baza kugxothwa kwisithuba esingangenyanga. Ifemu iyasonga. Ukusukela ngoko, uSamson ebekhangela umsebenzi – nawuphi na umsebenzi – ngaphandle kwempumelelo. Uhlala kwilizwe apho abemi abangaphezu kwama-40% abakhubazekileyo bengaphangeli. Abantwana bayasokola ngoku: abasafundi kwaye abondlekanga.

UAlisa ngumama wekhaya osisigxina kunye nomama onenkathalo. Uwuyekile umsebenzi wakhe ukuze anyamekele abantwana bakhe, kuba unexhala lokuba abantwana bakhe basenokutsala nzima ukuba yena nomyeni wakhe kufuneka bangabikho ekhaya ngenxa yezizathu zoqoqosho.

Noko ke, uAlisa uyaqonda ukuba umvuzo womyeni wakhe wawunganelanga ukuze axhase intsapho. Ngoko ke, kufuneka akhangele ingeniso ethile ukuze ancedise kumvuzo wentsapho aze mhlawumbi akhusele ikamva labo.

Ubomi bugcwele umngcipheko. Umntu ulahlekelwa lunyulo emva kokuba kusetyenziswe imali eninzi. Oko akwenzi ukuba kungafanelekanga ukuchitha imali kunyulo. Umntu uqala ishishini lezothutho aze aphele ebaleka elahlekelwe. Oko akuthethi ukuba ishishini lezothutho libi. Umntu ulahlekelwa ngumntwana wakhe emva kokuchitha intywenka yemali ukuze amkhulise kwaye amfundise. Loo nto ayithethi ukuba kukumosha ukunyamekela abantwana bakho. Umntu uthenga izinto ezixabisekileyo ezithi ekugqibeleni zibiwe, kodwa oko akuthethi ukuba kuphosakele ukuthenga izinto ezixabisekileyo. Kuveliswa umfanekiso oshukumayo okanye icwecwe, kodwa alithengisi kakuhle (isihloko esingacacanga okanye ukusilela okubhuqayo). Ngaba ke kufuneka sixelele abantu ukuba bakhwebuke kwimuvi okanye kwimveliso yealbham? Umzalwana othandekayo uyagula yaye usesibhedlele. Sithandazela ngokunyanisekileyo ukuba achache; ukanti uyafa. Ngaba oko kuthetha ukuba imithandazo ayinamsebenzi? Indlu yomntu othile yonakaliswa yintlekele yemvelo, kodwa oko akuthethi ukuba sifanele sishumayele ngokuchaseneyo nokuba nendlu. Umtshato womntu uyaqhekeka emva kokuchitha imali eninzi emtshatweni. Ngaba oko kuthetha ukuba kuphosakele ukutshata? Umntu ufumene ingozi ngemoto yakhe. Ngaba loo nto ithetha ukuba umntu akafanele athenge imoto? Uluhlu lungaqhubeka. Oogqirha bavalelwa entolongweni. Izikhephe ziyabhukuqa. Imigodi iyaqhuma, njl njl. Uluhlu lweengozi zobuchwephesha ngaphandle kokurhweba alupheli.

Inyaniso yokuba abanye abantu balahlekelwa kurhwebo ayikwenzi kube ngumsebenzi ombi. Oku kwahluke kakhulu kwinto ekholelwa luluntu. Ukuba babona urhwebo olunye olubi, baqalisa ukushumayela ebantwini ukuze baphephe ukurhweba njengesibetho. Aba ngabantu abafumana ilahleko kwezinye iinkalo zobomi kodwa ababoni izinto ezimbi kubo. Ukuba awubazi abarhwebi abaphumeleleyo, baninzi kubo.

Abantu abaninzi bakubona ukurhweba njengomngcipheko. Ukanti, balahlekelwa kakhulu kwezinye iinkalo zobomi. Uninzi lwabantu luqala amashishini amancinci; kodwa izibalo zibonisa ukuba ngaphezulu kwe-90% yamashishini amancinci ayasilela kwiminyaka yawo emithathu yokuqala. Cinga ngomsebenzi olula, izigidi zabantu nazo zicinga ukwenza loo msebenzi. Uqoqosho sele luzele. Ngokubanzi, imisebenzi kunye norhwebo wonke uTom, uDick kunye noHarry akufumana kulula ukwenza okanye ukuqala kunqabile ukuzisa inkululeko yemali. Iindidi zemisebenzi ezisa inkululeko yokwenyani yezemali - njengokurhweba ngeemarike - yeyona nto abantu abaninzi abayicekisayo kwaye bayifumanisa inzima kakhulu.

Abanye abantu abafundileyo bayabandezeleka ngenxa yokuba bekholelwa ukuba 'ndicela ukusebenzisa' ingqondo. Ngapha koko, sisizathu sokuba abantu abaninzi baye ekholejini. Enye yezona zinto zinzima umntu anokuzenza ngoku kukufuna nokufumana umsebenzi olungileyo. Inani labafundi abashiya isikolo liyaqhubeleka ukodlula inani lemisebenzi edaliweyo kwaye imeko inamathuba aphezulu okuba mandundu.

Ndiyamazi umntu obefuna ukuqeshwa kwinkampani yeoli eyaziwayo. Waxelelwa ukuba afumane isidanga senkosi, kuba wayenesidanga kuphela ngoko. Wabhalisa kwinkqubo yesidanga senkosi. Emva kokuba elugqibile olo cwangciso, wabuyela kwinkampani yeoli, kodwa waxelelwa ukuba akukho sithuba somsebenzi. Nangona izidanga zakhe zingeyongxaki kuye, kufuneka asebenze kwinkampani yeoli? Ngaba unokucela uDeron Wagner okanye uAnton Kreil ukuba baye kufumana izidanga zenkosi phambi kokuba ubaqeshe?

Ngaphandle kwenkululeko yezemali, ikamva likhangeleka limfiliba ngokwenene. Uninzi lweenkampani zabucala azinazicwangciso zomhlala-phantsi zabaqeshwa bazo, kwanakumazwe ahambele phambili kwezoqoqosho. Uninzi lweenkampani kunye nemibutho ngoku ikhetha abasebenzi bekhontrakthi. Ngaba uyafuna ukubeka ikamva lakho lezemali ezandleni zomphathi wakho?

Usenokuba usebenza ngoku (okanye uziqeshile), kodwa ucinga ukuba abantu basaza kuzidinga iinkonzo zakho ebudaleni? Ukuba ungumntu osebenza ngemibhobho yamanzi okanye umqhubi, ngaba abantu basengakunika imisebenzi onokuthi uyenze ebudaleni, xa kukho abafana abaninzi abanobuchule? Ngaba ude wonge imali eyaneleyo yokwaluphala, okanye ulindele ukuba abantwana bakho bakuxhase ngoko?

Ukukhula akukho tyala: lilungelo elikhethekileyo. Noko ke, abanye abaqeshi abayi kukugqala ukuba ungaphezulu kobudala obuthile obuncinane. Baza kukuxelela: "Abafaki-zicelo abangaphezulu kweminyaka engama-25 akufuneki bafake izicelo." Ngaba bangaze bayitsho loo nto kuDavid Tepper okanye kuDavid Harding?

Akukho nto yazama, akukho nto ifunyenweyo; nokungenzi nto kuya kuba lilize. Ukuba unokuba ngumrhwebi ophumelelayo, uya kufumana inkululeko yezemali. Awuyi kuthabatha umhlala-phantsi, kuba uya kuqhubeka ukurhweba ebudaleni bakho. Uyakurhweba ngokuzolileyo kwaye ngaphandle komgudu kwaye ufumane umvuzo. Abantu abafana noVan K. Tharp noJoe Ross ngabarhwebi abasele bekhulile kwaye baphumelele.

Okukhona usiba mdala kwaye kokukhona uzuza iminyaka emininzi yamava, kokukhona uxabiseke ngakumbi kwaye uya kufunwa ngakumbi.

Ukurhweba lishishini elinzulu. Sifuna ukuba ube ngumrhwebi ophumeleleyo. Ngelixa abantu bekhalazela ubunzima bezoqoqosho, uya kuncuma kuphela ukuya kwibhanki yakho.

Esi siqwenga sigqityiwe ngesicatshulwa esingezantsi:

“…Urhwebo bubugcisa bokuhlawula ixabiso lento oyifunayo. Bubugcisa bokuthatha uloyiko njengesona sono sikhulu, kunye nokuncama njengeyona mpazamo inkulu. Bubuchule bokwamkela ukungaphumeleli njengenyathelo elikhokelela ekoyiseni.” – Roy Longstreet

Ithatyathwe encwadini: “Livule ithuba lokuShishina”