Lumka! Amaqothaqikili Aphum’ Iphulo
KHAWUBE nomfanekiso-ngqondweni woku kwenzekayo. Kusandul’ ukudlula isiphango. Nesivondoviya somoya sele sidambile njengoko besidlakaza yonke nje into ephambi kwaso, nezikhukula ziwuthile. Abo basindileyo nabawakhuph’ entloko amehlo luloyiko bayaphuma kwiindawo abebezifihle kuzo, ibe mgama abantu abafuduswayo abanxubileyo naboyikayo bayabuya ukuza kuhlola umonakalo owenziwe sesi siphango. Izindlu azisenamaphahla; imithi isiphuke neengcambu ibe ngaphezulu kuthe saa izinto zangaphakathi endlwini ezimanzi tixi yimvula. Iingcingo zombane ziwile, nto leyo eyenza kube nzima ukutsala umnxeba nokudlulisela imiyalezo ngokukhawuleza. Wambi amakhaya abesakuba ziindawo ezikhuselekileyo kwiintsapho ezonwabileyo, abubutyobo—onakele kangangokuba akanakuze aphinde alungiseke. Ummandla owakha wazola kungokunje uvuthulukile yaye awuniki themba.
Abemi bale ndawo bathi funqunqu ngamxhelo mnye—bezimisele ukwakha kwakhona. Abamelwane bayancedisana; abanye abazange bazane kwaukwazana ngaphambili. Amadoda abolekisana ngezixhobo zokusebenza efundisana nobuchule. Amabhinqa aphekela abo bakhayo logama abantwana abadadlana begcina abo basema ngenja. Apho kuthontelana umngcelele weenqwelo-mafutha ezikhwelise abasebenzi abasuka ngaphandle nabazimisele ukunceda—iingcaphephe zokufulela, iingcaphephe zokususa imithi, abachweli, abapeyintayo. Noko ke, phakathi kwabo kuthe qhushe namaqothaqikili, asele elungele ukuxhaphaza aba basindileyo.
Afuna inkuntyula yemali ngaphambi kokuba aqalise umsebenzi wokulungisa. Iintsizana zabaninimzi abafuna ukuncedwa ziwanika imali yazo, baze abo basebenzi baphel’ emehlweni naloo mali, bangaphinde babonakale nangetshengele. Amachule okufulela “azingomb’ izifuba” esithi ayakwazi ukusebenza awayingcibi kakuhle imingxuma evulekileyo ibe imvula ina nje kube kanye kuvuze kuthi gxii. Zisithela ngesebe lenkawu lokuba ziza kuqesha izixhobo ezikhulu zokusebenza ukwenzela umsebenzi wosuku olulandelayo, iingcaphephe zokususa imithi zibagqebh’ olungophiyo aba bantu ngokuthabatha amawaka eerandi ngaphambi kokuba ziqalise ukusebenza. Ngengomso soze uphinde uzibone.
Phezu kwalo monakalo nelahleko, nabaninimzi basala belil’ esimantshiyane ngenxa yokuba behlawula iimali ezinkulu kwiinkampani zeinshorensi ezitshonileyo nezobuqhetseba ezingasafuniyo ukuhlawulela umonakalo owenzekileyo okanye esele kukhal’ ibhungane kwiiofisi zazo, kuba abanini bazo baye baphel’ emehlweni. Abo baba nethamsanqa lokude bayibamb’ esandleni imali yeinshorensi yokuhlawula umonakalo bafumanisa ukuba amaxesha amaninzi basoloko befumana iikontraka ezinganyanisekanga nezingawaziyo umsebenzi xa ezo zizingcaphephe zingakwazi ukuwenza wonke umsebenzi. Oko kuphumela ekubeni, umsebenzi wenziwe dlakadlaka, nto leyo ebaxhela ngakumbi abaninimzi abasele beneentliziyo ezingamahlwili kakade.
Abo behlelwe yintlekele basoloko bezizisulu zokuxhatshazwa. Ukumanyana kwebutho labantu elidlavulwe yintlekele ukuze lincedane, kwabanye kuguquka kube kukubethwa ngemf’ iphindiwe.
Kwenye indawo, emva kwenkanyamba, ixabiso leelekese lantinga laya kutsho kwii-R18 nokutya kosana kwadla oomama ii-R27 ngenkonkxa. Kwenye ivenkile wawungenakuthenga bhetri ngaphandle kokuba uthenge umabonwakude okanye unomathotholo. Abathengisi bezinto zokwakha bafumana iimali ezinkulu ngokuthengisa izinto ngamaxabiso aphakame ngendlela engekho ngqiqweni. Kwenye imeko, abo banamakhaya akwaziinqwelo-mafutha nabafuna ukuba arhuqwe asiwe kummandla osezintabeni ngexesha lezikhukula bahlawula imali enyuke kangangama-600 ekhulwini. Emva kwenyikima, ibhinqa elineminyaka engama-84 ubudala elonakalelwa ngumzi latsalelwa umnxeba ngumntu othile owathi ungumsebenzi wakwarhulumente. Eli bhinqa lalicinga ukuba amaxwebhu elawatyikityayo kamva ayezizicelo zoncedo lukarhulumente nezitampu eziphuma kurhulumente zokuthenga ukutya. Eneneni yayingamaxwebhu okuhlawula imali yokubambisa ezii-R80 000 yomsebenzi owawuza kwenziwa kwikhaya lakhe nekwafumaniseka ukuba uzii-R22 000 kuphela.
Ubuqhetseba Bokurhweba Ngemfonomfono
‘Sithi Huntshu, Nksk. S——! Namhlanje uwelwe ngumqa esandleni.’ Lawo isenokuba ngamazwi okuqala kumnxeba obungawulindelanga. ‘Uzuze . . .’ Abantu abaninzi baye batsalelwa umnxeba kusithiwa “sele bezuze amabhaso,” yaye amabhaso abo “anesiqinisekiso.” “Ibhaso” lisenokuba yinqwelo-mafutha entsha, isidlali somculo, okanye mhlawumbi umsesane wedayimani.
Ngaba wakha watsalelwa umnxeba kusithiwa uza kufumana isipho simahla? Ngaba intliziyo yakho yayixhumaxhuma luvuyo? Ngaba oko kwakuvakala kuyintsomi? Ukuba wawuphendula loo mnxeba, ngaba wada walifumana ibhaso lakho? Okanye ngaba waba lixhoba lobuqhetseba bokurhweba ngemfonomfono? Ukuba loo nto yakwehlela, asinguwe wedwa. Ngokutsho kwephephancwadi iConsumers’ Research, eUnited States kuphela, amaqothaqikili arhweba ngemfonomfono aqhatha malunga nabantu abalishumi ngomzuzu ngamnye. Nyaka ngamnye amaqothaqikili angenalusizi afumana ngondlela-mnyama ii-$10 lamawaka ezigidi (ii-R44 300 zezigidi) ukusa kwii-$40 zamawaka ezigidi (ii-R177 200 zezigidi) kubathengi, mali leyo emalunga nee-$7500 (ii-R33 250) ngomzuzu ngamnye.
IReader’s Digest yanikela le ngxelo: “Nyaka ngamnye kulo lonke elaseKhanada, ngabantu abangaphezu kwe-150 000 abatsalelwa umnxeba ngamaqothaqikili anobuqhetseba abaxelela ukuba ‘baphumelele’ okanye ‘baye bakhethelwa’ ukuzuza ibhaso elikhulu. Ibe nyaka ngamnye amawaka abantu baseKhanada bayakhohliswa ngokutsalelwa umnxeba, ngamnye kubo ehlawula imali engangee-$2000 [ii-R6400] ukuze afumane ibhaso lakhe.” Elinye igosa lamaPolisa ePhondo laseOntario lathi: “Ukuqhatha ngemfonomfono bobunye bobona buqhetseba bukhulu kwimbali yaseKhanada.” Longezelela ngelithi: “Siyazi kakuhle ukuba budla abantu baseKhanada izigidi zeedola ngonyaka.” La manani achaza kuphela iziganeko eziye zaxelwa emapoliseni. Noko ke, ekubeni kuqikelelwa ukuba bali-10 ekhulwini kuphela abantu abaxelayo xa beqhathiwe, kunzima ukuyazi kakuhle le ngxaki.
Elinye iqothaqikili lavuma lathi: “Xa abantu sibaxelela ukuba baphumelele bathi ti ingqondo.” Longezelela ngelithi: “Siye sibaqhathele ukuba bathumele imali, ibe asinikezeli.” Xa iqothaqikili sele limbethe lamosela lo mntu ngemf’ iphindiwe, igama lakhe lithengiswa kumaqumrhu arhweba ngemfonomfono lize libekwe kuludwe “lwezityhifili.” Amagama azo anokuthengiswa kwabanye, abaya kuthi, bazitsalele umnxeba ngokuphindaphindiweyo. Omnye owayesakusebenza nabo barhweba ngemfonomfono eToronto wathi: “Xa sisebenza ngolu ludwe lwezityhifili, sifumana abantu abamalunga nama-75 ekhulwini abathenga umnxeba wokuqala otsaliweyo. Elo nani lehla ngama-50 ekhulwini xa sele siluqwalasela okwesithathu olu ludwe. Xa sele bengenile kule nto, abantu abaninzi abayeki; bayifun’ apho ibikho imali yabo.”
Ingakanani imali eya kuhlawulwa zezi zityhifili kwabo barhweba ngemfonomfono banobuqhetseba ngenxa yokuba zizinqininqini zifuna ukuphumelela ibhaso elimangalisayo? Omnye umcuphi uthi: “Kuye kwafuneka sisebenzisane neebhanki ukuzama ukukhusela imali yabemi abasele bekhulile ingatyiwa iphele.” Kufunyaniswe ukuba elinye ibhinqa elisandul’ ukufelwa ngumyeni lihlawule izihlandlo ezingama-36 kubarhwebi ngeemfonomfono abahlukeneyo abali-16, mali leyo engaphezu kwee-$85 000 (ii-R272 000). Njengembuyiselo, liye lafumana “into eninzi yobuvilikitshana bokuhombisa.”
Ubuqhetseba Obuchuliweyo Obenzelwe Abo Banobunkunkqele
Noko ke, la maqothaqikili abetha yonke into ephambi kwawo. Aqhatha abantu kungakhathaliseki umgangatho abakuwo ngokwezoqoqosho kwibutho labantu. Nditsho nezifundiswa ezinobunkunkqele ziye zadyojwa ngentshongw’ emehlweni. Le nkohliso ichulwe kangangokuba noyena mthengi uvule amehlo unokuxhatshazwa. Ubuqhetseba obuxabisa imali eninzi nobulungiselelwe abathengi abanobunkunkqele bunokubhengezwa kumabonwakude okanye kumaphepha anemibalabala athunyelwa ngeposi. Bunokuquka utyalo-mali oluthembisa ngokukubuyisela imali eninzi—ukutyala imali kwiindawo zemiboniso eshukumayo, kwimigodi yegolide, iindawo ekufunyanwa kuzo ioli. Singabala kuse gede. Noko ke, iphumela kwinto enye—ubuya noboya bentenetya.
Elinye ibhinqa elaxhatshazwayo nelisisifundiswa lathi: “Akuqhath’ ungakholelwa. Njengomfundisi-ntsapho, bendicinga ukuba ndivulile aph’ entloko. . . . Ayendithembisa ngezulu nomhlaba.” Latyelwa ii-R88 000 kubuqhetseba obubandakanya inkampani evelisa imifanekiso eshukumayo.
Ubuqhetseba bokurhweba ngemfonomfono bugquba ehlabathini lonke. Abaphandi baqikelela ukuba “buza kuthabath’ unyawo kule nkulungwane.” Kodwa, lumka! Kukho nezinye iindlela zobuqhetseba, ibe amanye amaqothaqikili anamanye amaxhoba awathandayo—abalupheleyo.
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Walumkele amaqothaqikili afika emva kwesiphango!
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“Uzuze ibhaso lasimahla!”—okanye ngaba kunjalo ngokwenene?