MMM 2011

Kuphi okuthembekile kakhulu ukuthululela ngemali ukuze uthole inzuzo enkulu? Sonke sasike sicabange ngakho. Kunezimpendulo eziningana kulo mbuzo.
I-"chips blue" eyaziwayo, izibambiso zezinkampani ezinkulu kakhulu, ukuzuzisa okuthembisayo kuthobekile kakhulu, ngesikhathi sezinkinga kakhulu. Uma izimali zihlala isikhathi eside, ngokuqinisekile kungenzeka ukuthatha amasheya afanayo. Kodwa-ke, ukutshalwa kwezimali okwesikhashana, lezi zinsuku ziyisicupho. Futhi ukuhweba kancane emakethe kungaholela ekulahlekelweni okukhulu. Kungenzeka ukubeka imali kumazwe angaphandle, kodwa ikakhulukazi eminyakeni yamuva, izimali ezihamba phambili zezwe ziwela ngokushesha ngamanani. Kulesi simo, i-ruble yaseRussia iyaba yimali eqinile kakhulu, ngoba ithinta inani lamafutha. Izifundo ze-oyela nazo ziziphatha ngendlela ephansi ngesikhathi sezinkinga. Amafutha alula agcinwe cishe nge $ 100 ngomgqomo futhi engakalungeli ukuwa phansi kakhulu. Kodwa i-RUB iyathinteka yizinye, izimo ezingapheli kakhulu, ezifana nesimo sezomnotho esingaguquki esifundazweni. Ngaphambi kokhetho, i-RUB izophoqelelwa ukuba ibanjwe, futhi okuzokwenzeka ngemuva kuka-Ephreli 4, 2012, kunzima ukusho.
Imali ebhange yamazwe angaphandle yinto enkulu, kodwa ayizuzi kakhulu. Izicaphuno ezifakwe phezulu, isikhathi eside sokutshala izimali, ukuze kube neminikelo yesikhashana esifanele kufanele itholakale kwezinye izindawo. Kunenani elikhulu lezinhlobo ezahlukene zemali yokutshala izimali ezinikeza izingcaphuno ezinhle kakhulu, futhi ukuzinza okufanayo okufanayo kungezansi isilinganiso. Ingxenye yokubeka engcupheni ekuzuzeni inzuzo ayikho ithemba. Esimweni sokungazinzi kwemali, ukuncipha kwemnotho ehamba phambili yomhlaba, ukugxekwa okungenani okungengozini akukhulumi ngokuzivikela kwabo. Amafemu okuphatha izimpahla zithengisa imali emasheya, kodwa nganoma isiphi isibili angase aphule. Inani elingamaphesenti angu-30 ngonyaka alulungiseleli lezi zinyathelo. Ungakwazi, ngaphandle kokungabaza, ukukhipha umshuwalense wezinyolo, kodwa kulokhu konke imali engenayo kusuka kulawo ma-infusions uyolingana nokuphawula kweso.
Uma ngibheka izindlela zokulondoloza imali yami engafanele, ngibheke isakhiwo sezimali seMMM 2011. Naphezu kokuthi ukutshalwa kwezimali kungathembeki kakhulu, uma kuqhathaniswa nanoma iyiphi yalezi zinkampani, namhlanje ngizohlola amathuba okulahlekelwa yizezimali, futhi izinga lika 120-150 ngonyaka libuyisela lezi zingozi ngenzalo. Le piramidi yezezimali, esesiteji sokukhulisa kokuqala, ukuthembeka kwayo manje sekuhle kakhulu, futhi ukutshalwa kwezimali okwesikhashana kwenza kube lula ukunqoba.
Ngangifuna ukuqhuba isifundo, kodwa angizange ngizame ukubeka wonke amaqanda kubhasikidi owodwa, engikutusa kuwe. Ngo-Mashi kulonyaka, ngathengile ama-ruble angu-MMM- $ 20 ayizinkulungwane, okwenzela isithakazelo esikhulu ebhange, emalini eyitshalomali, ama-ruble ayizinkulungwane ezingamashumi amabili, ebhange bathenga imigoqo yegolide ngemali efanayo. Nokho, ngolunye usuku ngangidinga imali. Njengoba ngithengise imigoqo yegolide, ngangicebile ngama-ruble angu-352, naphezu kokuthi igolide landa lonke ihlobo nekwindla ngaso sonke isikhathi. Ibhange lachaze ukuthi ibhange lihoxisa imali engu-2 - uma kwenzeka uthola igolide futhi uma kuthengiswa. Ngakho-ke, ku-navar kusuka kulolu cala kwaba yibhange kuphela. I-ruble deposit ebhange yenza izinombolo zibe ngcono - ngathola ama-ruble angu-33,427, ngicabanga ukuthi izimali zami ngalesi sikhathi ziye zancipha kakhulu kunenzuzo engangiyishiya kuyo. Futhi lapha, ekugcineni, ngifinyelele ukutshalwa kwezimali ku-MMM-2011. Ngashayela ucingo ngekhanda, empeleni ngingafuni ukubuyisela imali yami, nangosuku olulandelayo, ngaphandle kwemibuzo engadingekile, mina, njengabanye abanikelayo, mmm, ngithathe izikhathi ezintathu ngaphezu kokutshala izimali. Uma ngabe usalokhu uhlushwa ukungabi nokholo ekutheni inzuzo yokutshala izimali ku-MMM-2011, ungabuka izibuyekezo zabahlanganyeli be-MMM 2011 kwizindawo ezikhethekile. Ngezinye izikhathi ingozi isasebenza umsebenzi omuhle.