Inkqubo ekhoyo ngoku yongxowankulu ayisebenzi kakuhle ukusuka kubulungisa/ubulungisa kunye nembono yoqoqosho nokugcinwa kwemithombo yendalo.
Eyona mbono iphambili kwimisebenzi yoshishino lwemali yobungxowankulu isebenzisa into ebizwa ngokuba sisixa sesaphulelo esithatha ukuba imali iya kuba nexabiso elingaphantsi (ekugqibeleni ingabi naxabiso) kwixesha elizayo, ngaloo ndlela idala imfuneko yokufumana inzuzo engaphaya komqobo "womqobo" okhokelela ekuxhatshazweni ngokungekho sikweni nangokungenabulumko. abasebenzi, ababoleki, kunye nemithombo yendalo, kunye nokunyuka kwamaxabiso.
Ukusetyenziswa kwetyala ayiloshishini lilungileyo okanye umkhuba wobuqu. Kwishishini, kufuneka idimazeke kuba ababolekisi banamabango okuqala kwiingeniso ezishiyekileyo kwaye babambe ikhonkco kwipropathi yokwenyani kunye neeasethi ezinkulu. "Kubathengi", ukusetyenziswa kwekhredithi akubobulumko kuba inkqubo imiselwe ukukhupha inzuzo kwinzala ngaloo ndlela iqinisekisa ukuba xa abathengi besebenzisa ikhredithi balahlekelwa yimali malunga nokunyuka kwamaxabiso. Ngokuqinisekileyo ingxaki yangoku yothingo e-USA bubungqina obuninzi bokunyuka kwamaxabiso kunye nokungabikho kobulungisa kunye nokungabi nampilo kwenkqubo yemali mboleko.
Iimanyano zeTyala kunye neenkampani ze-Inshorensi ye-Inshurensi ngokwethiyori kwiinzame zokuseka idemokhrasi yoqoqosho engenzi nzuzo kumashishini abo. Nangona kunjalo, ngenxa yesidingo sokukhuphisana kubathengi, zombini ezi ntlobo zentlangano yenkonzo yemali enenkqubela phambili zinyanzeliswa ukuba zidlale umdlalo ofanayo otshabalalisa abantu, iintsapho, uluntu kunye nendalo. Ngokufanelekileyo, intengo yetyala kufuneka isetyenziswe kuphela njengecebo lokugqibela, ngakumbi kungakhethwanga kwaphela. Kufuneka sitshintshe yonke imiba yenkqubo yemali ekhoyo sifake iManyano yoBulungisa. Ngandlelโ ithile, inkampani yeinshorensi emanyeneyo iyafana nomanyano lwamashishini alinganayo. Nangona kunjalo, ngenxa yokuba iinkampani ezinjalo kufuneka zifumane inzuzo ukuze zikhuphisane "nabaphathi bemigaqo-nkqubo" (abatyali-mali ngokwenene), iinkampani ezibandakanya iipotfoliyo zeefemu ze-inshorensi ezihlangeneyo azikwazi ukwenza inzuzo, azikwazi ukuba yimibutho edibeneyo ngokwazo.
Kwinkqubo yeenkonzo zemali ye-Equity Union engenzi ngeniso esekwe kwimigaqo yomanyano olusebenza ngekonsathi eneenqobo ezisesikweni, ezilumkileyo, ezinolwazi, kunye noluntu olukrelekrele, phakathi koluntu, phakathi kwemimandla, kunye nocwangciso lwehlabathi jikelele ngokuqinisekileyo kuya kubakho indima ebalulekileyo kwezemali. abasebenzi benkonzo.
Umqobo omkhulu kuManyano yoBulungisa iya kuba lulutho olukhuphisanayo lwecandelo lezemali langoku kunye noloyiko lokruthakruthwano lotshintsho kwabo bantu kunye nemibutho. Ukujongana neli candelo "loqoqosho", kuya kuba yinto enokwenzeka ngakumbi malunga nokuchasa ubuKhapitali kunye nobuntu, ukutshintshela ngocwangco nangoxolo ukuya kwiManyano yoBulungisa, elungelelaniswe nesicwangciso soqoqosho esizinzileyo.
Ndibhala kwaye ndithetha ngotshintsho olucothayo, olucwangcisiweyo, kunye nobuncinci bobunzima kunye nobunzima obuvela kwinkqubo yezemali engasebenziyo, esekwe kumdla wobuqu, ukuya kweyenzelwe ukunceda wonke umntu.
Emngciphekweni wokujongelwa phantsi, kuya kuthatha umsebenzi omkhulu ukufundisa abantu ngesidingo kunye neenzuzo zolo tshintsho kunye nokunxibelelana neSicwangciso esisisiseko. UCwangciso loTshintsho nalo luya kuba yinkqubo enzima kakhulu, kodwa andiyiboni enye indlela yokuwohloka kwezoqoqosho, ezopolitiko, ezentlalo, kunye nendalo ekhoyo ngoku, ezayo kunye nembi kakhulu kwihlabathi jikelele.
Umbono wePeoples' Equity Union uyilwe ukuba ube yingcambu yengca, ukhetho oludumileyo "intshukumo". Ndiququzelela nabantu, abasebenzi, kunye noonovenkile kwindawo yam, ingingqi ezidityanisiweyo, nange-inter-net kuye nabani na endinokuthi nditsalele umdla kulo mbono.
Ingqwalasela ikakhulu yeyasekhaya, kodwa yengingqi, kunye neyehlabathi ngaxeshanye. Iliphupha lam, ingelilo ithemba okwangoku, ukukhuthaza inyambalala yabantu ukuba baququzelele ekuhlaleni bajikeleze uthumo olumanyanisayo, imithetho-siseko emanyanisayo, amaqhinga amanyanisayo, kunye nokumanyanisa amaqhinga ukuze kuncitshiswe isixa solawulo kwingingqi nakuluntu olubanzi lwentsebenziswano.
Ithiyori yeyokuba iindawo zokuhlala, ingingqi yoluntu/umbutho we-hybridi yabasebenzi iya kuba nokuzimela okukhulu kwaye iya kukhokelwa kuphela, kubudlelwane babo becandelo loluntu kunye noqoqosho oluphakathi kweeBhodi zoCwangciso zengingqi kunye neKomiti yoMgaqo-nkqubo weHlabathi.
Kufuneka sitshintshe iinkqubo zangoku zokurhweba ngezabelo zamashishini ezingenanzala emisiweyo, amaqumrhu eenkampani ezimanyeneyo, iinkampani zeinshorensi, kunye neenkqubo zokubhanka ezikwimo ekhoyo yobungxowankulu sisebenzise iManyano yoBulungisa behlabathi jikelele enamasebe kuzo zonke iindawo zoluntu/ubumelwane.
Injongo kukuba yidemokhrasi yokwenyani yezoqoqosho: ye, ngenxa, kunye nabantu.
IINDLU NOBUNINI BEPROPATI
Ngokuhambelana nohlaziyo lweenkqubo zezimali, apho ukwabelana ngokulinganayo kunye nentsebenziswano engeyiyo eyengeniso iya kuthatha indawo yepharadigm yezemali yotyalo-mali lwenzuzo yolingano, urhwebo lwe-equity, kunye namalungiselelo okuthenga ngetyala, kufuneka siguqukele kwinkqubo eyahlukileyo ngokubhekiselele kwindawo yokuhlala. kunye namanye amalungiselelo emihlaba yokwenyani.
Endaweni yerenti okanye irenti, abantu kufuneka bavunyelwe ukuba bafumane i-equity kwiindawo zabo zokuhlala kunye neepropati zoshishino. Ngokomzekelo, kwimeko yendawo yokuhlala, ukuba umntu uhlawule i-$ 500 ngenyanga kwifemu yolawulo lwepropathi, masithi i-$ 50 ngenyanga iya kulondolozo lwepropathi, kunye nenye i-$ 40 kwimirhumo yolawulo, i-inshurensi, njl. Oku kuya kushiya umhlali kunye. I-$410 ye-equity eqokelelweyo yongezwa kwi-akhawunti yabo ngenyanga nganye. Ukuba besinombutho omkhulu wezindlu wentsebenziswano (ngokukhethekileyo kwihlabathi liphela, kwaye kukhethwa kuphela uhlobo lobunini bezakhiwo) ngoko xa umntu kufuneka afuduke okanye efuna ukufuduka, unokuthatha i-equity yakhe kunye nayo ukuya kwindawo entsha.
Ngokumalunga nemboleko-mali yokubambisa, balobola ngokumasikizi kwaye kufuneka bavalwe. Imeko echazwe ngasentla iya kuthatha indawo yenkqubo yangoku yokuxhasa ngemali "imali-mboleko yobunini bezindlu".
Ingxaki enkulu esijongene nayo ngoku kukunyuka kwamaxabiso okubi kakhulu kumaxabiso emarike yepropathi yokwenyani (kunye ne-capital assets, kulo mbandela). Ukuba sidibanise i-equity yethu, sidibanise ii-asethi zethu, kwaye ngokudibeneyo sabhala amatyala ethu, ngoko ke sinokubhala phantsi amaxabiso emarike ee-asethi zokwenyani kunye nezenkunzi.
Ngakumbi kwi-Equity Union(ii)
Kwinkqubo yeenkonzo zemali ye-Equity Union engenzi nzuzo esekwe kwimithetho-siseko
yokusebenzisana ukusebenza ngekonsathi neenqobo ezisesikweni, ubulumko, ulwazi, kunye noluntu olukrelekrele, phakathi koluntu, ukucwangciswa kweengingqi kuya kunceda iimfuno zabantu.
Kwiimanyano zasekhaya nezasekuhlaleni, ukwabelana ngokulinganayo kuya kuba yimodus operandi. Abantu abaneemali ezigcinwe kwiimanyano zabasebenzi banelungelo lokuzikhethela ukuba babe nesabelo kwiiprojekthi zokuphucula uluntu ezizezabasebenzi ngokusekwe kwimigaqo yomgangatho wobomi, ulingano (nto leyo ethetha ubunini, kwaye ikwathetha ukulingana), ubuntu, kunye nozinzo (okuthetha ukuthi apho iya kuba luqoqosho kunye nemithombo yendalo kulutsha kunye nabantwana, nakwizizukulwana ezizayo).
Ukuba i-inflation spiral inokususwa (kunye neendleko ze-real kunye ne-capital assets zibuyiselwe emhlabeni), ngoko ke abasebenzi abahluphekayo kunye nabahluphekileyo banokuba nethemba lokunyusa i-equity holds kunye nomgangatho we-asethi yobomi kunye nabatyali-mali banethemba lokufumana imali yabo. Ezinye iinzame, ngaphaya kokutyebisa abasebenzi abahlwempuzekileyo, aziyi kuba yinzuzo. Oko kukuthi, ingeniso eyenziwe ngaphaya kwembuyekezo esele imisiwe kubasebenzi abahluphekayo, iya kuphinda ityalwe kumashishini axubileyo okuphucula abasebenzi/abahlali (ngokukhethekileyo ookopolotyeni).
Utyalo-mali lwe-equity kumashishini oluntu alukwazanga ukuthengiswa kwabanye, kodwa lunokuthengwa kwakhona ngexabiso elilinganayo (ixabiso lesabelo sempahla xa ityaliwe). Olo hlobo luyakutyhafiswa, kwaye lungavunyelwa ukuba ibingumtyali-mali onengeniso ephantsi/ubutyebi obuphantsi obufanelekileyo, onokuthi, okanye angabinako ukuba bebevunyelwe ukuba baqokelele izabelo (ezilinganiselweyo) zobuqu.
Amasebe eManyano ye-Equity kwimivuzo ephantsi/kwimimandla yobutyebi obuphantsi iya kuvunyelwa ukuba iseke imibutho engenzi ngeniso ukuze ifumane iminikelo kwingxowa-mali yobulungisa kwiindawo abahlala kuzo, igcinwe kwiManyano yoBulungisa bengingqi kunye neemali ezabiwe (izibonelelo zobulungisa) Ibhodi izibophelele kuphuculo loluntu kunye nempumelelo enokubakhona yeenzame.
I-Equity Union โ Umzekelo
Ndiyaqalisa
Molo Mike,
(inye incwadi icinyiwe)
[Kaloku, ngoku ndinomvuzo ongaphezulu kunowulungele mna
indlela yokuphila, kwaye ngoku ndisanda kufumana imali eyongezelelweyo.
Andiyiqhelanga le meko. Ngaba unazo naziphi na iingcebiso malunga
apho 'kufuneka ndityale imali' ukuze kulungelwe ngakumbi, ndikhumbula eyona nto iphambili yam
iinkxalabo zihlala kuqala 'zishushu zehlabathi', kwaye emva koko zibe mfutshane ngokubanzi
Iindlela eziya kwi-eutopias enokwenzeka xa kuthelekiswa ne-dystopias enokwenzeka?]
Dan
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Molo Dan,
(inye incwadi icinyiwe)
Nam, ndinemali enokuvela endifuna ukuyithemba
kwinkonzo yoluntu kunye nemizamo yokuzinikela. Mhlawumbi, mna nawe (kunye nabanye ukuba sinokuzifumana) kufuneka siphande ngokudala ingxowa-mali yasekuhlaleni yePeoples' Equity. Umbono wam koko kukubona ukuba singakwazi na ukuvula i-akhawunti ye-trust yeqela kwi-Credit Union, apho umphathiswa ngamnye uya kuba ne-akhawunti yakhe, ukanti ulwabiwo kwiiprojekthi zokuphucula uluntu lunokwenziwa ngokudibeneyo, umntu ngamnye atyikitye isixa asinike sona. ufuna ukunikezela kwiprojekthi.
Umbono iya kuba kukuba "siyatyala" kwiiprojekthi zokuphucula uluntu ngenkathalo esiya kulindela ukufumana kuphela ixabiso elilinganayo "lotyalo-mali" lwethu okanye sinokukhetha ukwenza umntu ngamnye kunye / okanye irhafu edibeneyo okanye mhlawumbi irhafu. Imirhumo evumelekileyo ngetyala kwimibutho "eqinisekisiweyo" engenzi nzuzo yokuphucula uluntu (CBOs)
Ii-CBOs zinokungenzeli nzuzo, zingenzi nzuzo okanye zombini.
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I-equity union ayifanelanga ukuthatha indawo yeemanyano zamatyala, kodwa iza kusebenza ngekonsathi nazo.
Indima yeManyano yoBulungisa kukuguqula iinjongo zolwabiwo, izinto eziphambili ngokubaluleka, kunye nezenzo zoTyalo-mali "Klasi" (okt abanini beeBhanki namaShishini kunye nabaRhwebi eWall Street kunye neendawo ezifanayo).
Phakathi kweenjongo zemanyano ye-equity kukusiphuhlisa kude nomtyali-mali "udidi", abangabasebenzi abaphila ngeenzuzo zenkunzi kunye nezabelo. Ingqiqo nenjongo (yokuhlangabezana neemfuno zoluntu kunye neemfuno ezivakalayo) Uthatho-nxaxheba ngobulungisa, ukwabelana, kunye nokunikezelwa kuya kuthatha indawo yotyalo-mali oluqikelelwayo lwe-equity, urhwebo lwe-equity, kunye nokubolekisa (olusetyenziswa ngokwengcaciso kwaye ngokuqinisekileyo lusebenza).
Ngelixa iiyuniyoni zetyala ikakhulu zenza imali-mboleko yokubambisa, iimali-mboleko zemoto, iimali-mboleko zabathengi, kwaye kwezinye iimeko ezikhethekileyo mboleko kumashishini amancinci, imanyano ye-equity (ene-akhawunti kwimanyano yetyala lophuhliso loluntu) iya kuzinikela ngokukodwa ekwenzeni izibonelelo ze-equity, ukuthatha inxaxheba kwi-equity, kunye nezabelo zokwabelana ngokulinganayo kwimibutho yokuphucula uluntu (CBOs).
Xa umbutho wezezimali uboleka imali, unebango lokuqala kwiingeniso ezishiyekileyo. Ngamanye amazwi, phambi kokuba imanyano yabasebenzi okanye ishishini lodwa eliqhelekileyo, intsebenziswano, okanye iqumrhu likwazi ukuzihlawula ngokwabo, kufuneka baqale bahlawule inzala (kwaye ekugqibeleni ibe yinqununu) kwimali-mboleko.
Kuthabatho nxaxheba lwemanyano yezabelo zamashishini ezingenanzala emisiweyo (njengoko yahluliwe kwisibonelelo esithe ngqo), naziphi na iintlawulo eziya kubathathi-nxaxheba kumbutho we-equity ziya kuhlawulwa njengenxalenye yenkxaso yabanini-basebenzi okanye yabahlali/abanini babasebenzi befemu ye-CBO. Ilungiselelo liya kuthethathethwana. Ukuba uthethathethwano alufuni zabelo, nokuba yeyiphi na, oko kuya kubizwa ngokuba kukwabelana ngokulinganayo.
Izabelo ze-Equity/uthatho-nxaxheba kwi-CBO akunakuthengiswa kwaye kunokuthengwa kuphela ngamalungu e-Equity Union ngexabiso elilinganayo. Ngamanye amazwi, akukho nzuzo yenkunzi iya kuvunyelwa.
I-ZNetwork ixhaswa ngemali kuphela ngesisa sabafundi bayo.
Nikela