Isifundo seNkundla yoBomi boBomi boBomi
Kwiminyaka emininzi edlulileyo ndihleli eofisi yegosa le-trust ye-local kwi-bhanki enkulu yesizwe. Sasixoxa ngongomali-mali-mali kunye nobudlelwane bamakhasimende. Ibhanki endiye ndithetha naye uthetha ngeentlobo ezahlukeneyo zabantu abaye bahlangana nazo emsebenzini wakhe, kwaye wandixelela ukuba watyhola abatshali-mali abaphumelele kakhulu babethengiswa ngumthengi wakhe ocebileyo, umfama onomhlala umfama osemhlala phantsi.
Lo mlimi wobisi wayeneminyaka engama-80 okanye engama-90 ubudala.
Kulo lonke ubomi bakhe, wayesetyenzisile abameli be-trust kwi-bhanki kwaye bathabatha inxalenye yefama yakhe yokuhamba kwemali ukuze batyalwe kwiimpahla zeenkampani eziphezulu, kubandakanywa ne- bluechip stocks . Emva koko wabambelela kula maqhinga amashumi eminyaka, aphinde ahlawule izahlulo kwaye avelise amaxesha ambalwa ngonyaka ukwenzela ukuthenga okongeziweyo. Phantse iminyaka engama-30 okanye engama-40 eyadlulayo, wathengisa ishishini elinxulumene nefama yakhe yobisi waza wangena ngemali eninzi yemali. Wayenemiyalelo ecacileyo malunga nendlela ayefuna ukuba ityala ngayo, kubandakanywa nenyaniso awayenqwenela ukuhlala kuyo kwinxalenye yengeniso engenayo eyenziwa yi- stock and bond bondings .
"Kungakhathaliseki ukuba ndiyenze ntoni," umgcini-bhanki wathi kum, "andiyena namnye wam ngaphambili, ndingamqinisekisa ukuba athengise nayiphi na imali atyala ngayo. , ukuhlaselwa kwemakethe yemasheya, ukunyuka kwexabiso lokunyuka kwamanani , okanye intlekele yendalo, umxhasi wam uyazi ukuba wayenakho, kwaye umsebenzi wethu wawukuphela kokusingatha ezinye zeengxowankulu kunye nokuqhuba imisebenzi. "
Ibhanki yabe isethetha ukuba umlimi wobisi wayesebenzela izabelo zeenkampani ezifana ne-IBM, eyayithengiwe ngawo-1960, ezinye zazo zinexabiso leendleko ezimbalwa zeedola okanye ezinye iisenti ngeesabelo esahlukileyo!
Into endiyolandayo malunga nebali kwakuyinto yokuba umlimi wayesehlala kwindlu encinane efanayo yokuhlala epilini ayehlala kuyo ininzi yobomi bakhe, wagxotha enye iloli elaliyithandayo, kwaye akukho namnye ngaphandle kokuba umfazi wayenenkcazelo ixabisa izigidi zeedola-kungekhona nabantwana bakhe.
Lo mntu ubonakala ethanda inkqubo yokutyalomali kwaye, ukuba ndikhumbula ngokuchanekileyo, wayecwangcise ukushiya ininzi yecala lakhe kwi-charity.
Yintoni esinokuyifunda kwiFilimi yethu yeMfama?
Ziziphi izifundo zokutshala iimali esinokuzikhothoza kulo mcebisi othobekileyo, kodwa ophumelelayo?
- Khetha ngokufanelekileyo utyalo-mali . Kubaluleke kakhulu ukukhusela into embi njengoko kukufumana into enhle.
- Awunayo inkcitho enkulu kwipotfolio yakho. Oku kuza kugcina iindleko zokuxhatshazwa njengemishini yamashishini ebhanki , ukuthengiswa kwemarike , ukusabalala kwintsebenziswano kunye neentlawulo zentengo ebuncinci . Amashishini afanelekileyo kwixesha elide; ungaqeshisi amasheya.
- Cinga ngokuzimela kwaye ungalandeli isihlwele . Zifundise ngokwaneleyo ukwazi ukuba nini ukwenza isigqibo esichasene nabacebisi ebomini bakho ukuze ungenzi nto nantoni na ongeyonto. Oku kunokukunceda ukuba ugweme ukuthenga kwi-hype yefayili yokutshala imali okanye i-bubble yokucinga. Ekugqibeleni, kufuneka ube nexanduva lokulahlekelwa kwakho. Ukukhusela imali yakho ngumthwalo wakho.
- Musa ukukhathazeka ngokuhlala kunye namaJones. Endaweni yokusebenzisa imali yakho njengesixhobo sokubonelela, ukhuseleko kunye nokuzimela kwemali kwintsapho yakho. Gwema ityala lekhadi lesikweletu kunye nezinye iintlobo zeetyala zabathengi, ukuhlawula imali ngempahla xa kunokwenzeka.
Njengokuba "ukutya okuncinci kunye nokuzivocavoca" yindlela eqinisekileyo yokutshaya isisindo, isiluleko sethu sokutyalwa kwelokulima umlimi singabonakala silula okanye sithe tye, kodwa inyaniso isoloko isondele. Oko kubonakala kunengqiqo akukho nto iqhelekileyo kuba abantu abaninzi banzima ukuphumeza ubulumko kwimisebenzi yabo yemihla ngemihla.