Imiphumela Ebuhlungu Yokugembula

UBobby watholakala efile emotweni emile komunye umgwaqo osenyakatho yeLondon. Nakuba ayeneminyaka engu-23 kuphela ubudala, wayezibulele.

Indoda esikhulile yayikade ilala emigwaqeni isikhathi esithile ngaphambi kokuba iye esikhungweni sezenhlala-kahle. Yayibuthakathaka kakhulu, njengoba kwase kuyizinsuku ezine ingadli, futhi ingaphuzi imithi kadokotela yesifo senhliziyo.

UEmilio, ongubaba wabantwana abahlanu, wayenenhliziyo ebuhlungu. Wayeshiywe umkakhe nabantwana. Manje babenqaba ngisho nokukhuluma naye.

UKUZIBULALA, umhambuma, nobaba olahliwe: izimo ezintathu ezidabukisayo, ngokusobala ezingahlangene kodwa okungezona ezingavamile emphakathini wosuku lwanamuhla. Kodwa inhlekelele ngayinye yeyinembangela efanayo—ukuba umlutha wokugembula.

Abaningi abayimilutha yokugembula bayakwenqaba ukuvuma ukuthi banenkinga, futhi amalungu omkhaya ngokuvamile ayafihla ukuze agweme ukuhlazeka emphakathini. Kodwa nsuku zonke izigidi zemikhaya emhlabeni wonke zibhekana nosizi nokungabi nathemba ngenxa yalokhu kulutheka okubhubhisayo.

Akekho owaziyo ukuthi mingaki imilutha yokugembula ekhona. EUnited States, kuthiwa okungenani iyizigidi eziyishumi. Amanani ayethusa futhi ayenyuka kuyo yonke indawo njengoba amathuba okugembula anda emazweni amaningi. Ukuba umlutha wokugembula kuye kwachazwa ngokuthi “ukulutheka okwanda ngokushesha okukhulu.”

Eminingi yemilutha emisha yaqala ngokuba abagembuli nje ababezifunela “ukuzama inhlanhla yabo.” Khona-ke bakhukhulekela ekuluthekeni okwesabekayo kokugembula.

Lapho Ukugembula Kungasalawuleki

Yini eshintsha abazigembulelayo nje ukuba babe imilutha yako? Izimbangela ziyahlukahluka, kodwa ngandlela-thile, abagembuli bafika eqophelweni lokuphila lapho bezizwa khona bengenakukwazi ukuphila ngaphandle kokugembula. (Bheka ibhokisi ekhasini 7.) Abanye bathola injabulo ekugembuleni abayintulayo ekuphileni kwabo. Omunye umgembuli wachaza: “Kimina akusho lutho ngempela ukuthi ngiyawina noma ngiyadliwa. Lapho ngibheja, ikakhulukazi uma ngibheja ukwedlula labo abaseduze nami, ngizizwa ngiwumuntu obaluleke kakhulu emhlabeni. Abantu bayangihlonipha. Ngizizwa ngijabula kakhulu!”

Abanye baphendukela ekugembuleni ngenxa yesizungu noma ukucindezeleka. UEster, umama wabantwana abane, wayeshade nendoda eyisosha ngokuvamile eyayingabibikho ekhaya. Wazizwa enesizungu futhi waqala ukudlala imishini yokugembula ezindaweni zikaqedisizungu. Kungakadluli isikhathi eside, wayesedlala amahora amaningana nsuku zonke. Ngokushesha imali yokuthenga yaphela, futhi izinkinga zanda. Wazama ukungamtsheli umyeni wakhe ngokudliwa kwakhe kuyilapho ezama ngenkuthalo ukutsheleka imali emabhange noma kwabanye ukuze aqhubeke nokulutheka kwakhe okudla amaRandi angu-550 ngosuku.

Kukhona futhi labo abakubambeka kwabo kwabangelwa ukuwina imali eningi. URobert Custer, isikhulu kwezokulutha kokugembula, uyachaza: “Ngokuvamile yilabo abawina besaqala futhi njalo emsebenzini wabo wokugembula ababa imilutha yokugembula.” Ngemva kwalokho, isifiso sokuqhubeka bewina siyababusa.

Ugibe Lobuqili Lwenkolelo-ze

Abagembuli abaningi babuswa imizwa esikhundleni sokucabanga. Ukubala nje bekufanele kuvimbele ofuna ukuba umgembuli uma ubebuswa ukucabanga kuphela. Ngokwesibonelo, eUnited States, amathuba okubulawa umbani cishe linye kwangu-1 700 000. Ukuwina umdlalo wokubheja kaHulumeni okungenani kunzima ngokuphindwe kabili kunalokho.

Ubani olindele ukushaywa umbani? Yilowo kuphela ohlala elindele okubi ngaso sonke isikhathi. Nokho, cishe wonke umuntu othenga ithikithi lomdlalo wokubheja uphupha ngenombolo yakhe iwina. Yiqiniso, ukuwina umdlalo wokubheja kuyithemba elikhanga kakhulu, kodwa inkolelo-ze yiyo eyenza abaningi bathembele kokuthile okucishe kunganiki ithemba. Ukukhetha kwabo “izinombolo ezinenhlanhla” abazithandayo kubanikeza ithemba lokuthi bangase bawine nakuba kungathembisi.—Bheka ibhokisi ekhasini 8.

UClaudio Alsina, isazi sezibalo saseSpain, uye waveza ukuthi uma amacasino nemidlalo yokugembula bekungasebenzisa izinhlamvu zamagama esikhundleni sezinombolo emidlalweni yenhlanhla, amathuba okuwina abeyohlala efana nsé, kodwa ukukhanga okungabekezeleleki—cishe nesilinganiso esiphawulekayo samarisidi—bekuyonyamalala. Indlela izinombolo ezithile ezikhanga ngayo ingaphezu kwevamile. Izinombolo u-9, 7, 6 no-0 ziyathandeka kwabanye, kuyilapho abanye bekhetha “izinombolo” zabo “zenhlanhla” ezintweni ezinjengosuku lokuzalwa noma kulokho okushiwo izinkanyezi. Futhi kukhona labo abaqondiswa isenzakalo esithile esingavamile.

Ngolunye usuku kwenzeka okuthile okucasulayo kwenye indoda njengoba yayisondela ecasino yaseMonte Carlo. Ijuba elalindiza ngaphezu kwayo langcolisa isigqoko sayo. Ngalo lolosuku yawina u-R41 000. Ikholelwa ukuthi imisimbane yejuba yayiyibika elihle, ayiphindanga yangena ecasino ngaphambi kokuba iqale izulazule ngaphandle inamathemba okuthola esinye “isibonakaliso esivela ezulwini.” Ngakho, inkolelo-ze idukisa abagembuli abaningi ukuba bacabange ukuthi bayohlala bewina njalo. Nokho, lokhu ngokuvamile kuhambisana nokubanjwa ngonya umcabango obalawulayo futhi okungenzeka ukuthi ekugcineni ubalimaze.

Ngenxa Yothando Lwemali

Abantu bagembula ngenjongo yokuwina imali, imali enkulu uma kungenzeka. Kodwa endabeni yomlutha wokugembula, imali oyiwinayo iba yinto ekhethekile. Emehlweni awo, njengoba uRobert Custer echaza, “imali isho ukubaluleka. . . . Imali isho ubungane. . . . Imali iyikhambi.” Futhi kungani imali isho okukhulu kangaka kuwo?

Kubagembuli, abantu bayamazisa owina imali enkulu noma obheja ngemali enkulu. Bafuna ukuba seduze kwakhe. Ngakho, imali ayiwinile itshela umgembuli ukuthi ungumuntu, ukuthi uhlakaniphile. Imali imenza futhi akhohlwe izinkinga zakhe, imsiza ukuba aphumule, futhi iyamenamisa. Emazwini omcwaningi uJay Livingston, imilutha yokugembula “ibeka zonke izidingo zayo ezingokomzwelo ekugembuleni.” Kuyiphutha elibi.

Lapho ukuwina njalo kuphela futhi udliwa ngokuphindaphindiwe, imali iba ebaluleke ngisho nangokwengeziwe. Manje ufuna kakhulu ukubuyisa imali oyidliwe. Ungayiqongelela kanjani imali eyanele yokukhokhela obakweletayo, ukuphinde uwine njalo? Kungakadluli isikhathi eside ukuphila kwawo sekuba okokufuna imali njalo.

Isimo esinjalo esibi siyinto engenakubalekelwa ezigidini zabagembuli. Bangabantu babo bobubili ubulili, babo bonke ubudala, nazo zonke izizinda zokuphila. Futhi wonke umuntu usengozini, njengoba kungase kubonakale ngokwanda kwamuva nje kwemilutha yokugembula phakathi kwentsha nomame bamakhaya.

Imilutha Engabantu Abasebasha Nengomame Bamakhaya

Intsha kulula kakhulu ukuba ibe izisulu zemishini yokugembula ekhangayo noma yeminye imidlalo yenhlanhla eyinikeza ithemba lokuthola imali ngokushesha. Ukuhlola kwelinye idolobha laseNgilandi kwembula ukuthi abane kwabayisihlanu entsheni eneminyaka engu-14 ubudala babedlala njalo imishini yokugembula nokuthi abaningi babeqale lapho beneminyaka engu-9 ubudala. Abanye babelova esikoleni ukuze bagembule. Ukuhlolwa kwabafundi basesikoleni esiphakeme eU.S. kwembula ukuthi amaphesenti ayisithupha “abonisa izimpawu zokuthi kungenzeka “agembula njengokungathi aluthekile.”

UManuel Melgarejo, umongameli weqembu lokuzisiza elakhiwa ababengabagembuli eMadrid, eSpain, wachazela iPhaphama! ukuthi osemusha othathekayo angabanjwa ukuwina isizumbulu esisodwa nje semali emshinini wokugembula. Esikhathini esifushane, ukugembula kuba yinto achitha ngayo isikhathi noma kube inkanuko. Kungakadluli isikhathi eside, lomlutha osemusha ungase uthengise izinto eziyigugu zasekhaya noma webe ekhaya, uphendukele ngisho nasebugebengwini bokuthengisa izinto ezebiwe ngemali ephansi noma ebufebeni ukuze ukhokhele lokhu kulutheka.

Ochwepheshe baphawula futhi ukwanda okuphawulekayo enanini lomame bamakhaya abayimilutha yokugembula. Ngokwesibonelo, eUnited States abesifazane manje bamelela cishe amaphesenti angu-30 enani eliyingqikithi labayimilutha yokugembula, kodwa kulinganiselwa ukuthi ngonyaka ka-2000, lelinani liyobe selifinyelele emaphesentini angu-50.

UMaria, umama wesigaba sabasebenzayo onamantombazane amabili, ufana kakhulu nomame abaningi bamakhaya asebeye baba imilutha yokugembula. Eminyakeni eyisikhombisa edlule, uye wachitha u-R96 000—ngokuyinhloko imali yezinto zasekhaya—kuyibingo nasemishinini yokugembula. “Imali ihambe unomphela,” ebubula. “Ngilangazelela nje usuku lapho ngingangena ethilomu [ngino-R140] esikhwameni sami semali futhi ngibe namandla okuthengela abantwana bami ngayo [esikhundleni sokuyifaka emishinini yokugembula].”

Amaphupho Aba Amaphupho Amabi

Amaphupho ayinto ukugembula okwakhelwe phezu kwayo. Kwabanye abagembuli, amaphupho okuceba ayaphela, kodwa kwabayimilutha, abusa ingqondo yabo, aba yinto abayiphishekelayo kungakhathaliseki ukuthi kwenzekani, kuze kube yilapho bephelelwa yimali, bevalelwa ejele, noma befa ngisho nokufa.

Ukugembula kuthembisa ukugcwalisa izidingo ezizwakalayo—into yokuchitha isikhathi ethandekayo, ukuzijabulisa okuncane, imali eyengeziwe, noma ukubalekela izinkathazo zansuku zonke—kodwa imiphumela ecashile ingaba mikhulu, njengoba imilutha yokugembula iye yathola ngokudabukisayo. Ingabe lezidingo zingeneliswa kwenye indawo?

[Ibhokisi ekhasini 7]

LOKHO UMLUTHA WOKUGEMBULA OYIKHO

LOMGEMBULI uyaqhubeka egembula kungakhathaliseki ukuthi ulahlekelwa kangakanani. Uma ewina, usebenzisa leyomali ukuze aqhubeke egembula. Nakuba ungase uthi ungayeka noma nini uma ufuna, umlutha wokugembula onemali ephaketheni lawo ngeke udlulise izinsuku ezimbalwa ungazange ubheje okuthile. Unesifiso esingavamile sokugembula.

Uhlala wenza izikweletu. Lapho ungakwazi ukukhokhela obakweletayo, utsheleka kakhulu imali eyengeziwe ukuze uhlangabezane nezikweletu ezicindezela kakhulu futhi uqhubeke ugembula. Ngesinye isikhathi uqala ukungathembeki. Ungase ngisho ugembule ngemali yomqashi wawo. Ngokuvamile, ugcina ngokuba uxoshwe emsebenzini wawo.

Konke, ngisho nomkawo nabantwana, kuba isisulu sokugembula kwawo. Ukulutheka kwawo nakanjani kuholela engxabanweni yomshado futhi ekugcineni kungaphumela ekuhlaleni ngokwehlukana noma esehlukanisweni.

Imizwa ejulile yecala iwenza uzigodle ngokwengeziwe. Ukuthola kunzima ukudlelana nabanye abantu. Ekugcineni, ucindezeleka kakhulu futhi kungenzeka uzame ngisho nokuzibulala; awuyiboni enye indlela ongaphuma ngayo osizini lwawo.

[Ibhokisi/Isithombe ekhasini 8]

Indoda Eyawina Imali Eningi EMonte Carlo

UCHARLES WELLS, indoda yaseNgilandi, wavakashela ecasino yaseMonte Carlo ngoJuly 1891. Ezinsukwini ezimbalwa nje, wawina isigidi ngamafranc ayizinkulungwane eziyishumi, futhi ngokumangalisayo, wakuphinda lokhu ezinyangeni ezine kamuva. Abanye abagembuli abaningi bazama ukuthola “isu” lakhe, kodwa kwaba nhlanga zimuka nomoya. Ngaso sonke isikhathi uWells wayegomela ngokuthi akakaze abe nalo. Eqinisweni, ngonyaka olandelayo walahlekelwa yiyo yonke imali yakhe, futhi wafa engenalutho. Ngokuhlekisayo, lokhu kwaba isenzo esenza leyocasino yaduma. Yazuza udumo emhlabeni wonke engakaze ilahlekelwe yilo.

Inkohliso YaseMonte Carlo

Abagembuli abaningi bakholelwa ukuthi imishini yokugembula noma amasondo eroulette kunenkumbulo. Ngakho, umdlali weroulette angase athathe ngokuthi uma ukulandelana okuthile kwezinombolo kuye kwavela kwaze kwaba yilesosikhathi, kunamathuba okuba isondo liyoqhubeka liveza kaningi izinombolo eziqondana nalokho kulandelana. Ngokufanayo, abanye abadlala imishini yokugembula bathatha ngokuthi uma sekuyisikhathi eside isizumbulu semali singawinwa emshinini othile, kumelwe ukuba sesizobanjwa ngokushesha. Ukucabangela okunjalo okuyiphutha kubizwa ngokuthi inkohliso yaseMonte Carlo.

Kokubili isondo leroulette nomshini ohlela isizumbulu semali somshini wokugembula kuyazenzakalela ngokuphelele. Ngakho, okungenzeka ukuba kwenzekile ngaphambidlana akusebenzi. Kulemidlalo ewinwa ngenhlanhla, njengoba iNew Encyclopædia Britannica iveza, “ukudlala ngakunye kunamathuba afanayo nokunye okuveza umphumela othile.” Ngakho amathuba okuba udliwe afana nsé isikhathi ngasinye. Nokho, inkohliso yaseMonte Carlo iye yabhubhisa abagembuli abaningi kuyilapho igcwalisa amabhokisi emali amacasino.