Umzekeliso Ngamandla Amandla
Cinga ukuba iminyaka engamashumi amathandathu edlulileyo, ngowe-1950, intsapho efana neyakho e-United States ithenge i-franchise ye-Dairy Queen. Siza kubiza le ntsapho i-Smiths. Bakha ishishini elincinci elibizwa ngokuba yiSmith Family Holdings ukuqhuba le ntengiso.
Inkampani yabo encinci inika ubomi obukhululekile.
Ngomsebenzi wokusebenza kanzima, uxhomekeke ngaphakathi kwintlalo yoluntu, emele konke okulungileyo nokufanelekileyo malunga ne-dolophu yaseMelika. Akunakuze kubonakale kuninzi imali eseleyo, kodwa ibeka ukutya kwitheyibhile kwaye inikezele ingqesho, yenza ukuba ixabise ingxaki naphezu kweentloko zabasebenzi, i-inshorensi kunye neendleko ezinkulu eziyinxalenye engenakukupheka yokuba nenxalenye encinci shishini.
Utyalo-mali oluncinane lukhula ngokunyanisekileyo
UMnu noNksk Smith banquma ukuba bafuna ukutshala imali kwiintsapho zabo kodwa abayizi kakhulu ngemali okanye kwimarike. Ukulandela iingcebiso zabanye abatyali-zimali abakhulu , bajonga oko bakuqondayo. Baqala ukukhangela ibhishini labo kunye nophando kwiinkampani ezabanika zona iimveliso ezazithengiswa kumakhasimende abo.
I-Smiths iyaqonda ukuba, kwimveliso ye-ayisikrimu, ubuninzi beemveliso ze-candy ziveliswa ngqo okanye ngokungathanga ngqo kwiifemu ezimbini, i-Mars Candy kunye ne-Hershey Foods.
Abadlali be-Snickers, i-Reese's Peanut Butter Cups, i-M & M, i-Butterfingers, i-Baby Ruth, kunye neendawo ezininzi ezinxulumene nazo, zibonelela ngabathengi babo. Ezi mveliso zibuye zithengise kakuhle kwiivenkile ezinkulu zendawo, iifilimu zee-movie kunye nezitishi zegesi. UMnu Smith ubala ukuba xa umntu ethanda ibha ye-Snickers, akayi kupheka kwaye ngokukhawuleza ayeke ukuyidla kuba "ixabiso elihle".
Ngelishwa, uMnumzane Smith ufumanisa ukuba iMars ihlale ikhona, kwaye ihlala, ishishini lentsapho elizimeleyo ukuze akwazi ukutshala imali kuyo. I-Hershey Foods, nangona kunjalo, ininzi yoluntu. Intsapho yaseSmith inquma ukubekela eceleni i-$ 10 ngeveki, okuyiyo yonke into abanokuyenza.
Benza inkqubo encinci yomhlalaphantsi yentsapho kwaye babhalise kwi-Hershey Foods isicwangciso sokuthenga esitokisini esithe ngqo , esivumela ukuba bathenge amashishini encinci okanye ngaphandle kwekhomishini ngokuthe ngqo kwiinkampani (malunga nazo zonke iinkampani ezinkulu ezi neenkqubo, nangona abatsha-mali abatsha abazi malunga nabo ngenxa yokuba abadayisi bafuna ukufumana ikhomishishini kwimisebenzi). Bahlala bephinde bahlawulele zabo izabelo .
Intsapho yaseSmith ihamba ngezoshishino zabo kunye nokufa kukaMnu noNksk Smith, ishishini lentsapho lidluliselwa kubantwana babo babini, intombi egama linguSusie Smith kunye nendodana egama linguWalter Smith, oqhubeka eqhuba.
Amashumi adlula, abantwana bazalwa, amalungu omndeni afe, amafashoni ashintsho, kwaye ihlabathi liqhubeka lijikeleza. Kulo xesha, le ncinane ye-Dairy Queen franchise phakathi kweMelika iyaqhubeka nokubonelela ngokufanelekileyo abaphathi bayo, abaziqhenyayo, abakhutheleyo, abanyanisekileyo.
Ngokungafihli, nangona kunjalo, kuwo wonke loo minyaka, uNksz Smith waqala ukubhalela i-$ 10 isheke iveki nganye kwi-Hershey Foods yokuthenga isitoko.
Emva kokufa kwakhe, intombi yakhe, uSusie Smith, ithatha uxanduva kwaye yabhala ezo zihlole. Azange akhulise inani elondolozwe nganye veki, oku kuthetha ukuba i-$ 10 ngoku imele ngaphantsi kweendleko zetikiti enye ye-movie!
Ngenxa yokuba yayiyinxalenye yesicwangciso somhlala-phantsi esiphethwe yinkampani, noSusie noWalter Smith abazange banake ingqalelo kwi-akhawunti ye-Hershey stock abazali babo ababeyifumene nayo yonke loo minyaka edlulileyo. Bacinga ukuba i-$ 10 ngeveki yayincinci, ngoko babe nethemba lokuba nayiphi na intshontshi xa beyishiya umhlala-phantsi kwaye bathengise i-Queen's Dairy iya kuba ibhonasi enhle; ukukrola kwiqebengwane, ukubonelela ngokukhuselekileyo.
Ngelinye ilanga, uSusie noWalter, ngoku baphakathi kwezingane zabo, banquma ukuba abanakukwazi ukuqhuba ivenkile. Inkcitho-mali iyaqhubeka ikhula, abafuni ukubophelela kwimboleko entsha yezo shishino, kwaye baziva ukuba lixesha lokuhamba kwaye baqale ngokutsha.
Badibana ne-accounting firm esebenze nabazali babo iminyaka emininzi kwaye iqala inkqubo yokucinywa.
Emva kokuhlawula iibhilikhwe kunye namatyala, loo mabini ashiywe ngemali encinane, i-$ 50,000, ngokubanzi ibonisa ukulingana kwi- propati . Ngaphandle kwemisebenzi i-franchise enikezela amalungu entsapho, akukho nto inokubonisa ngayo iminyaka yemigudu nokusebenza kanzima. Ngoxube lokudakumba nokukhululeka, esi sahluko sentsapho yaseSmith sifikile ekupheleni. Uhlobo lukaWalter noSusie baya kuluhlula i-$ 50,000, nganye ithatha i-25,000 zama-dollar, kwaye yenziwe ngorhwebo lokutya.
Ziya kudibana ne-firm firm ephethe i-parent's and business business ukususela ekuqaleni. Bathabatha iirekhodi ezingama-25,000 zama-$ kwaye bavuka ukuze bahambe. Njengoko bemi ukuphuma ngaphandle kweofisi, umgcini-mboleko ubonakala edidekile. Uya kuphi na? Asikaxubulanga ngesicwangciso somhlala-phantsi! " uthi kuSusie noWalter. Ukucinga ngeminikelo encinane yeveki yonke, u-Susie uyaphendula, "Thengisa yonke into, uyigcine kwaye usithumele isheke kuyo yonke into ekhoyo.
Umgcini-akhawunti uhamba kwifayili yefayili, ukhupha isitatimende, kwaye uyisandla kuye. NjengoSusie ebheka phaya kwiphepha, wenza i-double-take. Inkqubo yomhlala phantsi ka-Smith Family Holdings, engazange ifumane ngaphezu kwe-10 kwiiveki kwiminikelo, ngoku iqulethe i-hisa ezingama-226,040 ze-Hershey Foods stock. Kwi $ 47.20 ngesabelo ngasinye, ixabiso lentlawulo yeentsapho ngu-10,669,088. U-Hershe uhlawula igalelo lonyaka we-$ 1.28 ngesabelo ngasinye, ngoko ke i-akhawunti ifumana i-$ 289,331.20 yerhafu ngonyaka, okanye i-$ 24,110.93 ngenyanga, ehlawulelwa kwisicwangciso sokuthenga izabelo ezininzi ze-Hershey.
"Singazi njani ngoku?" UWalter ufuna. "Ewe, ngenxa yokuba utyalo-mali luqhutywe yinkampani yakho, uSmith Smith Holdings, kwaye isicwangciso sohlala phantsi, akukho nxaxheba kule nkcitho okanye ubutyebi obuye baboniswa kwimbuyekezo yakho yerhafu. Abazali bakho abafuni ukucima i-akhawunti kuba babeza kubakhokhela irhafu kwiirhafu. Baye bacinga ukuba imali esele yashiywe ingakhuselekanga ukuba ikhule, ibe ngcono kwintsapho. "
I-Morality yebali
Ingongoma yeli bali kukuba, kunikezelwa ixesha elaneleyo, imali encinane ingaba yinzuzo enkulu ngenxa yamandla enzala . Amasheya , iibhondi, iimali ezithengiswayo, i-real estate, ukhetho, ubugcisa bokuqala, imoto yokuhlamba ... ezi zinto azikho ngaphezu kwezithuthi ezikuvumela ukuba ukhulise imali yakho.
Naliphi na umnini-shishini omncinci osenayo iidola ezimbalwa eziseleyo ekupheleni kweveki ebambe amandla ukuba abe nobutyebi kwizandla zakhe. Ihla nje ukuya kwisantya sokubuyisa angayifumana okanye ubude bexesha unokuvumela ukuba imali ikhule, ingaphazamiseki. Akuyiyo i-rocket yesayensi.
Oko Ndingayenza
Ukuba ndisekuqaleni kwendawo kaMnu noNksk Smith, ndiza kuseka iakhawunti kunye neenkampani eziliqela eziye ndaziqonda - i-Hershey Foods, i-PepsiCo, i-Coca-Cola Inkampani, i-Tootsie Roll Industries kunye no-HJ Heinz, ezimbalwa. Ndandula ke ndiyilondoloze i-weekly savings njengesikhokhelo esiza kuhlawulwa. Ukuba kuyimfuneko, ndiza kulihlawula kuqala kwaye ndiyitshintshe enye iindleko (andingaboni - umbane oza kufuneka ukuba alinde ukuhlawulwa).
Cinga ukuba umndeni wakwaSmith wawuneemisebenzi engaphandle kwaye wasebenza kwivenkile yokutyela ukuze ikhululeke. Baye bathatha umvuzo wabo baze babhale "ukuhlawula" kwizicwangciso zabo zokuthenga izitokisi. Kwimeko apho, intsapho iya kuba nexabiso elingaphezu kwezigidi eziyi-100 zamaRandi.
Le yenye yezona zizathu andingazange ndiyithathe ipenithi enye ngomvuzo okanye umvuzo ngaphandle kwamashishini asebenzayo. Yonke into iyavuselelwa kwaye ndihlala kwiindawo ezibuyiselwe kwiiprojekthi ndizenzile emva kwimihla yam kholeji. Siphila kuqoqosho oluxhomekeke kwiimarike kwimbali yentlalo yabantu. Nabani na ofuna ukuba namandla okuba nesityebi. Akunakho ukukhawuleza, kodwa kulula.