Indlela Ongazivikela Ngayo Kubakhwabanisi

KUNGENZEKA wake wasizwa lesi sisho, “Awunakumkhohlisa umuntu othembekile.” Njengezisho eziningi, leso sisho asilona iqiniso. Nsuku zonke abantu abathembekile baba yizisulu zabakhwabanisi; ukuthembeka kukodwa akubavikeli. Abanye babantu abangamaqili emhlabeni bakha amasu futhi bawasebenzise ukuze baphuce abantu imali yabo. Eminyakeni engaphezu kwekhulu edlule, umlobi othile waphawula: “Kunezenzo ezithile zokukhwabanisa ezenziwa ngobuqili obukhulu, kangangokuthi kungaba ubulima uma ungakhohliseki.”

Ukukhohlisa kade kwaba khona, kusukela emuva ensimini yase-Edene. (Genesise 3:1-5) Kunamaqhinga amadala ahlukahlukene, futhi kusungulwa amasha ngaso sonke isikhathi. Ungazivikela kanjani-ke? Akudingeki ukuba uzame ukufunda zonke izindlela izigebengu ezibakhohlisa ngazo abantu. Izinyathelo ezimbalwa zokuqapha ziyoba usizo kakhulu ekukuvikeleni ungabi yisisulu.

Londa Imininingwane Yakho

Uma kungenzeka umuntu ebe incwadi yakho yamasheke noma amakhadi okuthenga ngesikweleti, angathenga ngawo. Uma eba imininingwane ye-akhawunti yakho yasebhange, angase akwazi uku-oda nokusayina amasheke ngegama lakho. Uma ethola ukwaziswa okwanele ngawe, angazenza wena. Lapho imininingwane yakho seyebiwe, isigebengu singakhipha imali yakho emabhange, sithenge ngesikweleti ngamakhadi akho, futhi sitsheleke imali ngegama lakho.a Ungase uboshelwe ngisho nobugebengu ongabenzanga!

Ukuze uzivikele ekukhwabaniseni okunjalo, qapha zonke izincwadi ezinemininingwane yakho, kuhlanganise nezitatimende zasebhange nezincwadi zamasheke, ilayisense yokushayela, kanye nomazisi wakho. Ungavumi ukunika abanye ukwaziswa ngawe noma ngezimali zakho ngaphandle kwalapho kunesizathu esizwakalayo sokuthi kungani kufanele babe nako. Lokhu kubalulekile ikakhulukazi uma kuziwa ezinombolweni zamakhadi okuthenga ngesikweleti kanye nemininingwane yasebhange. Okuwukuphela kwesikhathi lapho kufanele unike othile inombolo yekhadi lakho kulapho ufuna ukuthenga okuthile ngalo.

Abakhwabanisi abasesha imigqomo baphequlula udoti befuna ukwaziswa okunjalo. Esikhundleni sokumane ulahle amaphepha anokwaziswa ngawe, kuyoba ukuhlakanipha ukuwashisa noma ukuwadabula. Lokhu kuhlanganisa amasheke asesebenzile nezitatimende zasebhange noma zamasheya kanye namakhadi esikweleti amadala, ilayisense yokushayela, nezincwadi zokungena kwamanye amazwe. Kuwukuhlakanipha futhi ukudabula izicelo zamakhadi okuthenga ngesikweleti ongawacelanga owathola ngeposi, ngoba ngokuvamile aqukethe ukwaziswa ngawe omunye umuntu angase akusebenzise kabi.

Sebenzisa Ukuhluzeka Kwengqondo

Izenzo eziningi zokukhwabanisa zivame ukuthembisa imbuyiselo eningi ngokweqile uma utshala imali. Isu elivamile lokuceba ngokushesha elikamasikhuphulane. Nakuba kunezinhlobonhlobo zalo, ngokuvamile abatshala imali kufanele bafune abanye abazotshala imali, bese bona behlomula uma bethola abantu abasha.b Izincwadi zomasikhuphulane zisebenza ngendlela efanayo ngokukucela ukuba uthumele imali kubantu abaphezulu ohlwini. Uthenjiswa ukuthi uzothola izinkulungwane zamaRandi uma igama lakho lifika phezulu ohlwini.

Omasikhuphulane bayawa njalo ngoba ayikho indlela yokunezela amalungu amasha unomphela. Ake ubheke nazi izibalo. Uma abantu abahlanu beqala umasikhuphulane, ngamunye athole abanye abantu abahlanu, inani labantu abasha ababhaliswayo liba ngu-25. Uma umuntu ngamunye kulaba bantu naye ebhalisa abanye abahlanu, lokho kusho ukuthi kunabantu abangu-125 abengeziwe. Lapho lokhu kubhaliswa kwabantu sekufinyelela kwabesi-9, kuyobe sekunabantu abangaba yizigidi ezimbili okungadingeka babhalise abanye abantu abayizigidi ezingu-9! Abagqugquzeli bomasikhuphulane bazi kahle kamhlophe ukuthi kuneqophelo lapho kungenakwenzeka khona ukunezela abantu abasha. Lapho becabanga ukuthi lelo qophelo seliseduze, bathatha imali badle phansi. Cishe uyolahlekelwa yimali yakho, futhi labo obabhalisile manje bayozama ukuthola imali ebalahlekele kuwe. Khumbula, ukuze wenze imali kumasikhuphulane, othile kufanele alahlekelwe yimali.

Ingabe kunomuntu okucebisa ukuthola imali kalula noma inzuzo enkulu uma utshala imali? Nasi isixwayiso: Uma isithembiso sibonakala siyisimangaliso ukuba singaba yiqiniso, ngokuvamile sisuke singelona iqiniso. Ungasheshi ukholelwe yizithembiso zabakhangisi nofakazi babo, ucabanga ukuthi, “Lokhu kuhlukile.” Khumbula ukuthi abantu abenzi ibhizinisi ukuze baphe abanye imali noma babelane nabo ngezimfihlo zokuthola ingcebo. Uma othile ethi unolwazi olukhethekile olungakusiza ucebe, zibuze: ‘Kungani yena engalusebenzisi ukuze azicebise? Kungani echitha isikhathi ezama ukungidayisela lona?’

Kuthiwani uma utshelwa ukuthi uwine umncintiswano noma umklomelo othile? Ungathatheki—kungase kube yiqhinga, eselilimaze abaningi. Ngokwesibonelo, owesifazane othile eNgilandi wathola incwadi evela eCanada eyayimazisa ukuthi uzuze umklomelo kodwa kwakudingeka athumele u-$25 (R165) wokulungisa amaphepha. Ngemva kokuthumela leyo mali, wathola ucingo oluvela eCanada olwamtshela ukuthi kwakutonyulwe igama lakhe futhi uzuze umklomelo wesithathu ongaba ngu-$245 000 (amaRandi ayizigidi ezingu-1,6) kodwa kwakufanele akhokhe ingxenyana ethile yalelo nani ukuze kulungiswe amanye amaphepha. Wathumela imali engu-$2 450 (R16 000) kodwa wangathola lutho. Uma kufanele ukhokhe ukuze uthole “isipho samahhala” noma umklomelo, yiqhinga lokukhohlisa lelo. Zibuze, ‘Kungenzeka kanjani ukuba ngiwine umklomelo emncintiswaneni engingawungenelanga?’

Yenza Ibhizinisi Nabantu Abanedumela Elihle Kuphela

Ingabe ucabanga ukuthi ungabona lapho abantu bekukhohlisa? Qaphela! Abakhohlisi kuthiwa bangongoti bokuzuza ukwethenjwa ngoba bayazi ukuthi bangenza kanjani ukuze abanye abantu babethembe. Banekhono lokwenza izisulu zabo zibethembe. Abadayisi, abathembekile nabangamaqili, bayazi ukuthi ngaphambi kokuba udayise umkhiqizo othile, kufanele uzenze uthenjwe. Yiqiniso, lokhu akusho ukuthi kufanele usole bonke abantu, kodwa ukungabaza ngezinga elithile kubalulekile ukuze uzivikele kubakhwabanisi. Esikhundleni sokuzama ukunquma ukuthi umuntu uyathembeka ngokuncika emizweni yakho, bheka izimpawu ezimbili zabakhwabanisi abaningi: Okokuqala, ingabe okuthenjiswayo kuzwakala kukuhle kakhulu ukuba kungaba yiqiniso, okwesibili, ingabe umdayisi uzama ukukucindezela ukuba wenze isinqumo ngokushesha?

I-Internet inezithembiso eziningi ezizwakala zizinhle kakhulu ngendlela esolisayo. Nakuba i-Internet inokuningi okuwusizo, ibuye isize izigebengu zikwazi ukukhohlisa izisulu ngokushesha futhi zingaziwa. Ingabe une-E-mail? Uma kunjalo, ungase uthole iposi lezikhangiso ongalidingi nge-E-mail. Nakuba le ndlela yokukhangisa inezinto nezinkonzo eziningi, eziningi zazo ziwukukhohlisa. Uma uphendula i-E-mail ongayicelanga ngokuthumela imali yomkhiqizo noma inkonzo ethile, cishe ngeke uthole lutho. Uma kwenzeka ukuthola, ngokusobala kuyobe kungalingani nhlobo nemali oyithumele. Nanti icebiso eliwusizo, Ungathengi lutho kumuntu okhangisa nge-E-mail.

Kungokufanayo nangalabo abashaya ucingo bekudayisela okuthile. Nakuba izingcingo eziningi zokudayisa zivela emabhizinisini asemthethweni, amaqhinga okudayisa ngocingo akhwabanisela abantu izigidi zezinkulungwane zamaRandi unyaka ngamunye. Akunandlela yokwazi ukuthi okudayiswayo kuyiqiniso ngokumane nje ukhulume nothile ocingweni. Umkhohlisi angase azenze ngisho nommeleli webhange noma wenhlangano yokuvikela abathenga ngamakhadi esikweleti. Kunesizathu esihle sokusola uma othile ekushayela ucingo ethi umelela ibhange noma inkampani ethile oyikhasimende layo kodwa acele ukwaziswa okufanele ngabe sebenakho kakade. Uma lokho kwenzeka, ungase ucele inombolo yocingo yalowo muntu. Yibe usumshayela ucingo ngemva kokuqinisekisa ukuthi leyo nombolo ngempela eyasebhange noma eyaleyo nhlangano osebenzelana nayo.

Isimiso esihle siwukuba ungamniki umuntu ongamazi okushayela ucingo inombolo yekhadi lakho lokuthenga ngesikweleti nanoma yikuphi okunye ukwaziswa okuphathelene nawe. Uma umuntu ekushayela ucingo ekudayisela okuthile ongakufuni, ngomoya ophansi ungase uthi, “Ngiyaxolisa, angihileleki kwezebhizinisi ngocingo nabantu engingabazi.” Yibe usuluvala ucingo. Asikho isizathu sokuxoxa ungathandi nomuntu ongamazi okungenzeka uzama ukukukhohlisa.

Sebenzelana kuphela namabhizinisi nabantu abanedumela elihle. Kunezinkampani eziningi ezisemthethweni ongasebenzelana nazo ngokuphephile ngocingo noma nge-Internet. Uma kungenzeka, xhumana nenkampani ezimele ikutholele ukuthi lowo mdayisi ungubani, usebenzela yiphi inkampani, nokuthi yini ehilelekile ekutshaleni imali yakho. Cela ukwaziswa ngalokho kutshala imali, futhi ukufundisise ukuze uqiniseke ukuthi kusemthethweni. Ungavumi ukuthi ucindezelwe ukuba unqume ngokushesha.

Bhala Phansi Imininingwane

Akukhona konke ukukhwabanisa okuqala kuwukukhwabanisa. Ibhizinisi elithembekile lingabhuntsha. Uma lokho kwenzeka, abaliphethe bangase babe novalo bese besebenzisa izindlela zokukhwabanisa ukuze babuyelwe imali yabo. Akungabazeki ukuthi usuke wezwa ngabaphathi bamabhizinisi abaqamba amanga ngemali eyinzuzo engenayo, okwathi lapho ibhizinisi liwa, babaleka nemali esele.

Ukuze uzivikele kubakhwabanisi nasezinkingeni zokungazwisisani, kufanele ubhale yonke imininingwane phansi ngaphambi kokutshala noma iyiphi imali enkulu. Zonke izivumelwano ozisayinayo kufanele zichaze yonke imidanti yokutshala imali nezithembiso ezenziwe. Phawula futhi ukuthi kungakhathaliseki ukuthi ukutshala imali kubonakala kunengqondo kangakanani, akukho muntu ongaqinisekisa ukuthi izinto zizohamba njengoba kuhleliwe. (UmShumayeli 9:11) Phela, akukho ukutshala imali okungenazingozi. Ngakho, isivumelwano kufanele sibhale ngokuqondile ukuthi umuntu ngamunye uyokwenzenjani uma kwenzeka ibhizinisi liwa.

Ngokwazi nangokusebenzisa izimiso eziyisisekelo esithe fahla-fahla ngazo, uzivikela ethubeni lokuba isisulu sabakhwabanisi. Isaga sasendulo seBhayibheli sinikeza iseluleko esiwusizo. Sithi: “Noma ubani ongenalwazi uba nokholo kuwo wonke amazwi, kodwa okhaliphile uyazicabangela izinyathelo zakhe.” (IzAga 14:15) Umkhohlisi ukhetha izisulu ezilula, abantu abathambekele ekukholelweni konke akushoyo. Ngokudabukisayo, baningi abantu abangazithathi izinyathelo zokuzivikela kubakhwabanisi.

[Imibhalo yaphansi]

[Amazwi acashunwe esihlokweni ekhasini 7]

Uma isithembiso sibonakala siyisimangaliso ukuba singaba yiqiniso, ngokuvamile sisuke singelona iqiniso

[Ibhokisi/Isithombe ekhasini 6]

Iseluleko Kwabayizisulu Zabakhwabanisi

Izisulu zabakhwabanisi zivame ukugajwa amahloni, umuzwa wecala, wokuhlazeka, nowokuzithukuthelela. Ungazibeki icala. Uyisisulu; icala elomuntu okukhohlisile. Uma wenze iphutha, livume, bese uqhubeka nokuphila kwakho. Ungaphethi ngokuthi uyisiwula. Khumbula ukuthi abakhwabanisi bayaphumelela ekukhohliseni abantu abahlakaniphe ngempela—izikhulu zoMbuso, zamabhange, zezinkampani, zezimali, abameli, nabanye.

Izisulu zabakhwabanisi azilahlekelwa nje imali yazo noma impahla kuphela kodwa nokuzethemba nokuzihlonipha. Uma ukhohliswe “umngane,” usuke esizakale ngokumethemba kwakho. Kubuhlungu ukukhohliswa. Zinike isikhathi sokudabuka. Ngokuvamile kuyasiza ukuxoxa ngale ndaba nothile ongamembulela isifuba sakho. Umthandazo nawo ungaba yinduduzo kakhulu. (Filipi 4:6-8) Nokho, qaphela ukuthi ngemva kwesikhathi esithile kudingeka uludlulise lolu daba. Kungani kufanele uqhathe umunyu isikhathi eside? Zibekele imigomo eyakhayo, futhi ulwele ukuyifinyelela.

Qaphela amaqhinga okukubuyisela imali ekulahlekele. Abakhwabanisi bangase bathinte umuntu okhwabaniselwe ngocingo bathembise ukumsiza athole leyo mali. Inhloso yabo kusuke kuwukumkhwabanisela futhi.

[Ibhokisi/Isithombe ekhasini 8, 9]

Izikhangiso Zobuqili Zama-computer Amaqhinga Ayisithupha Avamile Okukhohlisa Nge-e-mail

1. Omasikhuphulane: Bavame ukubonakala njengamathuba okwenza imali eningi ngaphandle kokuzikhandla nokutshala imali enkulu. Omunye umasikhuphulane ukuthembisa i-computer noma omunye umshini wama-electronic uma ukhokha imali yokujoyina bese uthola namanye amakhasimende. Omunye uba izincwadi ezidluliselwayo. Cishe zonke izincwadi ezinjalo azivunyelwe umthetho. Iningi labantu abatshala imali kuzo lilahlekelwa yimali yalo.

2. Amaqhinga okusebenzela ekhaya: Kolunye uhlobo lwaleli qhinga, unikezwa ithuba lokuqongelela izinto ezinjengemigexo eyigugu, amathoyizi, noma izinto zobuciko. Usebenzisa imali uchithe nesikhathi uziqongelela, bese utshelwa kamuva ukuthi imikhiqizo yakho ayidayisekanga ngoba ayiyona eyezinga elifanele.

3. Ukukhohliswa kwezempilo nokudla: I-Internet igcwele izikhangiso zezinto ezinjengamaphilisi akusiza ukuba unciphise umzimba ngaphandle kokuzivivinya noma kokunciphisa ekudleni, amakhambi okwelapha ukuphela kwesifiso sobulili kwabesilisa, namafutha okukhulisa izinwele. Lezi zikhangiso ngezinye izikhathi zihambisana nobufakazi bamakhasimende anelisekile. Izinkulumo ezivamile ezivela kulezi zikhangiso zihlanganisa amazwi anjengokuthi “intuthuko kwezesayensi,” “ikhambi eliyisimangaliso,” “inhlanganisela eyimfihlo,” nathi “isithako sasendulo.” Iqiniso liwukuthi eminingi yale mikhiqizo ayisebenzi.

4. Amathuba okutshala imali: La maqhinga avame ukuthembisa imbuyiselo ephakeme cishe ngaphandle kwengozi. Uhlobo oluvamile luhlanganisa ukutshala imali ebhange lakwelinye izwe. Abatshali bemali bahehwa yiziqinisekiso zokuthi labo ababaphathisa imali yabo baxhumene nezinhlangano zezimali eziphambili futhi bayazi ukuthi obani abangabaqondisi.

5. Ukuhlanza igama lakho ezikweletini: La maqhinga athembisa ukususa ukwaziswa okungekuhle emarekhodini akho esikweleti ukuze ufanelekele ukuthola ikhadi lokuthenga ngesikweleti, ukuboleka imali yokuthenga imoto, noma ukuthola umsebenzi. Naphezu kwalezi ziqinisekiso, abanikazi bawo abakwazi ukukwenza abakuthembisayo.

6. Izikhangiso zemiklomelo yeholidi: Uthola i-E-mail ekuhalalisela ngokuwina ithuba lokuya eholidini ngentengo ephansi kakhulu. Ezinye izikhangiso zithi uqokwe ngokukhethekile. Khumbula ukuthi kungenzeka umyalezo ofanayo uthunyelelwe nabanye abayizigidi nokuthi indawo oyithenjiswayo iyokunika inkonzo ephansi kakhulu kunalokho okukhangisiwe.

[Umthombo]

Source: U.S. Federal Trade Commission

[Isithombe ekhasini 7]

Omasikhuphulane bayawa njalo

[Isithombe ekhasini 9]

Noma isiphi isivumelwano osisayinayo kufanele sibhale phansi yonke imininingwane yokutshala imali nezithembiso ezenziwe