Ngakho-ke sithuthukise indlela necebo lokuhweba eliphumelelayo, ngemuva kokuthi sibuyele emuva silivivinya, senzenjani ngokulandelayo?
Sisungule indlela 'esebenza kahle'; ukwehliswa kuncane, ukulahleka kuncane futhi kuyalawuleka kakhulu. Njenganoma iyiphi indlela yokuhweba ibhekana nemifudlana elahlekile, kepha ephathekayo yokulahlekelwa. Sibuye sayivivinya le ndlela cishe izinyanga eziyisithupha manje futhi umbuzo osalayo ukuthi lesi yisikhathi eside ngokwanele ukwenza isinqumo sangempela sendlela nohlelo lokuhweba jikelele? Sisebenzisa kanjani ukuhlaziywa kwezibalo okuhle kakhulu okutholakalayo ukuze kusetshenziswe kudatha ukwahlulela uhlelo lwethu futhi kufanele ngabe sifunani?
Okokuqala kuzofanele sinqume ukuthi isikhathi sokuhlola emuva sinde ngokwanele ngokususelwa kuzona zikhathi esizimisele ukuhweba ngazo. Isibonelo, ukuhlolwa kwenyanga eyisithupha kwesu lokuhweba kwe-swing akusona nje isikhathi esanele sokuthi indlela yethu nohlelo lwethu lube nazo zonke izimo zemakethe, njengokuphuma, ukushintsha okukhulu kwezinqubomgomo eziyisisekelo - ukulungiswa kwenzalo yenzalo, noma izinhlelo zokunciphisa ubuningi ( ukuthayishwa noma ukwandiswa).
Singafuna ukukhuphula isivivinyo sethu sangemuva sibe yiminyaka eminingana uma sibheke ukuthuthukisa isu lokuhweba le-swing ukufaka ukuwa okukhulu kokuzethemba ohlelweni lwezezimali. Umqondo kungaba wukuthatha uhlelo lubuyele ku-2008 kusuka ku-2014 ukuhlanganisa cishe zonke izimo zemakethe ebesingazicabanga (zabathengisi be-swing) kule minyaka edlule.
Kodwa-ke, uma uhlelo lwethu lokuhweba nendlela yethu kuyisistimu yokuhweba yosuku mhlawumbe iwindi lezinyanga eziyisithupha lanele ukwenza isinqumo ngendlela yethu yokusebenza nokusebenza kohlelo jikelele. Singayihlola ngokuphepha okukodwa futhi uma sihlela ukusuka, ngokwesibonelo, isikhathi sehora elilodwa 'singathatha' ukuhweba okungaba ngu-400 ngesikhathi sokuhlolwa kwethu kwangemuva. Lokhu kuzokwehla njengokuhweba okucishe kube yishumi ngeviki esikhathini esiyizinyanga eziyisithupha, okufanele kwanele ukuthatha isinqumo esinolwazi.
Ngenye indlela singabheka ishadi lansuku zonke nangemuva kokufuna izehlakalo ezinkulu zezindaba ezihambise imakethe isikhathi esingangonyaka, bese sidlula leyo micimbi nesikhathi sethu sehora elilodwa ukubona ukuthi intengo isabela kanjani lapho kuthathwa izinqumo ezinkulu zenqubomgomo, noma izindaba ezinomthelela omkhulu imicimbi ishicilelwe. Ngokusebenzisa lokhu kuhlaziywa singaqiniseka ke ukuthi usuku lwethu lokuhweba emuva luye lwakhuthazelela futhi lasinda esikhathini sokungazinzi okukhulu, mhlawumbe ngenxa yokwehla komcimbi omkhulu wezindaba.
Lapho sesibuyele emuva sivivinyiwe kufanele sidlulise ukuhlolwa bukhoma endaweni yemakethe
Ukuhlolwa kwangemuva kungabonakala kungalungile. Iningi emphakathini wethu selichithe izinyanga, uma kungenjalo iminyaka, libuyisela emuva izinhlelo zokuhlola ephepheni kuphela ukuthola ukuthi azisebenzi kahle njengoba bekulindelekile ekuhloleni phambili nasemakethe yangempela. Kungani lokhu kwenzeka ngezizathu eziningana; isikhathi sokumaketha nezinkinga ezingokwengqondo njengokuhluleka ukuqonda ukuthi okuhlangenwe nakho kwesikhathi sangempela kuzoba nomthelela omkhulu kanjani enzuzweni yethu esemqoka. Izikhathi zesikhathi esiphansi kunzima kakhulu ukuzihlola ngenxa yokushelela nokusabalala okungazukuvela ekuhlolweni kwangemuva lapho singavele sithathe indawo ephansi futhi noma ephezulu yekhandlela njengendawo yethu yokungena noma yokuphuma. Ngakho-ke kufanele sihambise isivivinyo sethu sangemuva siye phambili esivivinyweni futhi sibheke ukuhlolwa kwethu okuphambili 'njengesikhathi sokufukamela'.
Kuyoze kube nini ukufaka isivivinyo sethu sokuya phambili futhi ingabe 'siya bukhoma' ngezimali zangempela noma ngokuhlolwa kwangaphambili kudemo?
Isigaba sethu esilandelayo ekuhloleni phambili ukunquma ukuthi sizohlola ngesikhathi sangempela ngemali yangempela, noma ingabe sizokwenza idemo ukuhweba isikhashana noma ngabe kukhona okunye, singakwenza kokubili? Ake sichaze…
Sinqume ukuthi sizodlulisela phambili ukuhlolwa bukhoma, kepha esikhundleni sokwenza usayizi we-akhawunti yethu ojwayelekile ongu-1% ngokuhweba ngakunye sinqume ukubeka engcupheni kuphela u-0.1% ngokuhweba ngakunye esikhathini sokuhlolwa kwezinyanga ezimbili futhi silindele ukuthatha i-circa Ukuhweba okungu-150 kuleso sikhathi. Kodwa-ke, sithathe nesinqumo sokuthi sizoqhuba uhlelo lokuhweba ngezibuko ngokuhlolwa kwethu okuphambili kodwa kwimodi yedemo. Sizofihla ukuhweba kwethu kwangempela ngokuhweba ku-akhawunti yethu yedemo futhi nge-akhawunti yedemo sinqume ukwandisa ubungozi bethu bube ngu-2%. Lokhu kuzoba ukuphela kwenguquko kumasu ethu; konke okunye okuqukethwe kuhlelo lokuhweba kuzohlala kunjalo. Ukuma, amandla R: R njll.
Ukuqalisa i-akhawunti yedemo eceleni kwe-akhawunti yethu yesikhashana ebukhoma kufanele ngokweqiniso kusinike okuhle kunakho konke imihlaba. Sithola ukuvivinywa ngesikhathi sangempela ngengozi encane kakhulu ekuhwebeni ngakunye okubukhoma ngenkathi isibonakaliso sibonisa uhlobo olunolaka kakhulu lwecebo elifanayo kumodi yedemo. Ngakho-ke uma ukuhlolwa kwethu okubukhoma okuphambili kusebenza kahle singaqiniseka ngokuphelele ukuthi lapho sikhuphukela esivivinyweni sangempela isu lethu lilonke lingathwala ukusebenza kwenani eliphakeme lobungozi okufanele lisinikeze ukuzethemba okukhulu kakhulu kunendlela yethu uma sesiphile ngokugcwele ngaphakathi amapharamitha ajwayelekile.
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