News and Society, Umnotho
Iphiramidi zemali
Kule mihla ehlabathini kukho inani elikhulu amaziko zemali ezahlukeneyo ezithembisa abagcinisa yayo okanye "umvuzo" kwixesha elizayo, njengoko umthetho, kakhulu ngaphezu zingafumaneka ngoncedo ifakwe kwibhanki. Enye yezi zakhiwo na scheme iphiramidi. Ngamanye amaxesha ibizwa ngokuba utyalo-mali, kodwa oko akuthethi ukutshintsha izibakala.
Yintoni scheme yephiramidi?
Onke amaziko akhoyo kule hlobo kuba komnye iintlobo ezimbini:
- utya- scheme
- iphiramidi-level multi
scheme utya- ufumana igama layo igama izama American Charles utya-, ngubani wabalekela eUnited States iphiramidi onjalo 1920 ekuqaleni. Nangona yokuba izikim ezinjalo ziye zaziwa ukuya kweli xesha, ukuba icebo yephiramidi uCharles utya- ngenxa inxaxheba inani elikhulu labantu eUnited States laduma ebanzi kakhulu.
scheme iphiramidi Multilevel kusebenza ngokwahlukileyo kancinci. Phantsi eli cebo, ungumsebenzi ngamnye kufuneka kuqala imali yokubhalisa. Le mali ke ngoko nangoko yahlulwe phakathi umntu wamema mafikizolo kunye namalungu ngaphambili zepiramidi, leyo bayamenywa ukuba ukuba vele. Emva kokuba intlawulo yokuqala efunekayo ukutsala abantu mafikizolo ubuncinane ezimbini kwaye inkqubo iyaqhubeka kunye kwinqanaba ngalinye elitsha. Maxa wambi, ezifana yephiramidi-level multi siyabutyaka. Isizathu ilula: ngokuba isakhiwo hlobo kuyimfuneko ukuba inani labathathi-nxaxheba landa ngokucacileyo, ie, ngokukhawuleza kakhulu. Kuba amanyathelo 10-15 zokuqala kunokunganeli, nkqu abemi belizwe bebonke. Ngoko ke, malunga 80-90% abathathi-nxaxheba emva kokuba kuhlawulwe imali yokungenela uhlala ne nto.
Indlela ukuqaphela nonxantathu?
Ukuze ukuba kuwa ngenxa igcina ukuba ulahlekelwe imali yakho, kufuneka ubuze le projekthi onomdla kwizinto ezintathu:
1. Musa athembise ukuba le projekthi isivuno omkhulu? Ukuba ingeniso wathembisa yenyanga kufuneka ibe ngaphezulu kwama-30% ibe ngumqondiso wokuqala yephiramidi.
2. intengiso olomeleleyo kunye PR. Abaququzeleli zepiramidi isoloko kuqala kufuna ukutsala abantu abaninzi kangangoko kunokwenzeka.
3. kwikhompyutha Easy kwaye kulula ngokusebenzisana imali encinane.
ezilandelanayo ngoku eninzi kunene, kukho umlinganiselo akukho minyaka ingaphezu kwezonka ezihlanu aphinde avele phantsi igama elitsha okanye kwindawo eyahlukileyo. Kubenza kunokwenzeka kuphela phantsi komqathango wokuba unethamsanqa lokuba abe ngomnye nxaxheba yokuqala, nangona kunjalo, ukuba oko kwenziwa ngokubanzi? Ndiyakholwa ukuba kukho, kwaye siyathemba ukuba nawe uyavumelana nam ngokupheleleyo.
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