SISWATI
SICEPHU 1: KUSISA NEKULONDVOLOTA
UmBhali:
Badlali:
UMSAKATI: Uyisebentela matima imali yakho, angitsi? Hhayi-ke, nyalo sekusikhatsi sekwenta imali yakho ikusebentele matima?sikhatsi sekuyandzisa?yi Nyuku Time?.
UMSAKATI: Sicephu 1: KuSisa nekuLondvolota?.
Palisa, wena ucabanga kutsi ngikuphi?
awubuke?.
PALESA: Usho kutsini nawutsi angeke ngikwente loko?
ANDREW: Hhayi suka! Uyati nawe kutsi ngicabangani ngemabhange?.
PALESA: Kodvwa indvodza lehlakaniphe njengawe, beyingayisisa (phela ngisho ku-investa) ilondvoloteke, angitsi?
ANDREW: Ngiyisise? Ngeke, kusisa imali kuyingoti?.
PALESA: Ase sitsi-ke indlu iyasha?
ANDREW: Leyo mali bengiloku ngiyibeka kulesikotela iminyaka lesihlanu. Kusete loke wayeba.
PALESA: Ini? Iminyaka Lesihlanu? Kodvwa utsini-ke ngekwehla kwemandla emali ?
ANDREW: Kwehla kwemandla emali (inflation)? Ukhuluma ngani? Kwehla kwemandla emali?
PALESA: Kwehla kwemandla emali (inflation)? Minyaka yonkhe tintfo tiyenyuka ngelinani lentsengo. Ngemnyaka lowedlule, ukhokhe R100 nawutsenga ema-bhokhathi, lonyaka atakubita R110. Kulomnyaka lotako atawubita R120. Loko, nguloko-ke kwehla kwemandla emali (inflation).
PALESA: Babe, nawungayisisi imali yakho, itawulahlekelwa sisindvo. Kwenta njalo-ke kwehla kwemandla emali.
SUBDUED HHo, nguwe Nkhosikati Ndlovu?. Cha, imoto yakho ayikalungi ngibhizi ngayo njenganyalo?.Yebo Nkhosikati Ndlovu?. Cha, Nkhosikati Ndlovu?. Kusasa? Ngitawutama ? kodvwa angeke ngitsembise?. Yebo, ngiyati kutsi kumcoka, kodvwa imoto yakho iyagula, Nkhosikati Ndlovu. Igula kabi. SIGHS Yebo?yebo?. Ngitawutama. Usale kahle Nkhosikati Ndlovu.
ANDREW: Hho, ngiyetsemba kutsi unelicebo lelincono, angitsi?
PALESA: Ecinisweni, Babe, libhange ngilona lelitsembeke kakhulu.
PALESA: Babe, kumele uyisise kahle imali yakho. Kufanele ucabangele likusasa. Kumele wente imali yakho ikusebentele.
ANDREW: Ase ume kancane yePalesa. Ngiyakucela.
Ngiyalihlelela likusasa. Futsi sengikutjelile angiwatsandzi mabhange!
PALESA: Babe, kubeka imali yakho esikoteleni semakukisi akusiko kuyinakekela kahle loko. Futsi akusiko nekuhlelela likusasa!
ANDREW: Hho, wena-ke unelisu lelincono?
PALESA: Kusebentisa libhange indlela lelula. Ukwati kutfola imali yakho kalula ubefutsi ukwati nekumelana nekwehla kwemandla emali. Kantsi futsi kukhona letinye tinto longakwati kutenta - kutsenga indlu, ujoyine inhlangano yekungcwabisana, utitsatsele nemshwalense wemphilo, titokfela, emashezi, ma-unit trusts ?. Tintfo nje letinyenti?.
Ngingumakhenikha wasegalaji, hhayi, Ngcongcoshe wetiMali!
PALESA: (EXASPERATED) Hawu, babe, nobe ngubani angakwati kusisa kahle. Kufanele utfole seluleko nje kuphela.
ANDREW: Kubeka imali esikoteleni semakukisi kwamulungela babe wami, nami futsi kusangilungele.
Ubokhumbula kutsi ukhuluma nabani.
ANDREW: Bheka lapha, nginemsebenti lokumele ngiwente?.
CHWEPHESHE UYAPHAWULA
UMLANDZISI: Ngako-ke wena ucabanga kutsi uMnumzane
Chabeli kufanele kutsi ayisise imali yakhe? (BEAT)
KUPHENDVULA LOMBUTO SACOCISANA NACHWEPHESHE WETIMALI, UMNUMZANE KHUMALO?.
CHWEPHESHE:
Wonkhewonkhe kumele alondvolotele likusasa aphindze futsi acabangele tidzingo tangemuso ? naMnumzane Chabeli naye akakehluki kuloko. Ngenhlanhla lembi, ngekubeka kwakhe imali yakhe esikoteleni semakukisi nobe ayifihle ngephansi kwamatilasi kutamenta angakutfoli konkhe loku.
Uma labanye bantfu bakhuluma ngekulondvolota imali kanye nekusisa (ma-investment), ecinisweni basuke basho kubeka imali ebhange. Kodvwa tinyenti tintfo longatenta ngemali yakho ngephandle kwekuyibeka ku-akhawunti yekulondvolota ebhange.
Loko akusho kutsi mabhange awasiyo indlela lephephile naletsembekile yekonga imali, kodvwa inkinga kutsi awakhokhi intalo lenkhulu. Loku kungenca yekutsi emabhange asebentisa imali yakho loyongile ngekutsi bayisise ngendlela yekuyiboleka tinkampanini, kute titsenge emashezi, nobe titsenge imphahla, lokusho kutsi mabhange kumele ayisebentele lemali lakukhokhela ngayo intalo yakho aphindze ente nenzuzo. Mabhange ecinisweni akukhokhela ngetulu kwekwehla kwemandla emali ? kodvwa hhayi ngetulu kangako. Futsi kufanele ucabange kwehla kwemandla emali ngobe kwehla kwemandla emali loku kulimata imali yakho loyilondvolotako ebhange. Kwenta kutsi imali yakho ilahlekelwe sisindvo sayo, kantsi loko kungakubita kakhulu ekuhambeni kwesikhatsi..
Kwehla kwemandla emali phela, kwenyuka kwemanani jikelele lokuchubekela embili njalo. Nobe kuyibeka ngalenye indlela, linani letimphahla letetayelekile ? konkhe kusukela kumahhabhula kuya kumazipi ? kutakubita ngetulu emnyakeni lotako uma ucatsanisa nalomnyaka. Singatsi-nje, sibonelo, uma kwehla kwemandla emali kuchubeka nga 10% ngemnyaka, kusho kutsi intfo lebita R100 kulomnyaka itawubita R110 ngemnyaka lotako. Lenye futsi indlela lesingakubuka ngayo kutsi R100 kulomnyaka utakutsengela kuphela timphahla letibita R90 ngemnyaka lotako.
Kubalulekile kukhumbula kutsi tinyenti tindlela longatikhetsela tona kunemabhange. Lomunye angasisa emphahleni njenesibonelo, nobe ajoyine inhlangano yekungcwabana, nobe atsatse umshwalensi wemphilo, nobe ajoyine sitokfela, nobe asise emakethe yetimali (capital market). Sibonelo, muva nje, tinkampani temshwalensi, iSanlam ne-Old Mutual, tinikete umphakatsi litfuba lekutsenga emashezi kuto, ngalesikhatsi sato sekuniketela ngemashezi (se-Demutualisation). Umphumela walesipho kwaba kusungulwa kwalabo lebangebaninimashezi (shareholders) labasha labanemashezi langetulu kwa 5 million eNingizimu Afrika.
Mbamba-mbamba umbuto utsi, ukukhetsa njani longasisa kuko? Imphendvulo itsi kufanele wati kucala tinhloso netinjongo takho. Utitjele kutsi: tiyini tidzingo tami letikhetsekile? Yini lengifuna kuyongela imali? Ngingakhona kulondvolota nobe kusisa imali lengakanani?
Kufanele futsi uhlele kahle kutsi ufuna inhlobo lenjani yekusisa. Sibonelo, ufuna kusisa ngemashezi nobe ngema bhondi? Ufuna kusisa kwesikhashana nobe ufuna kusisa sikhatsi lesidze? Ufuna liholo njalo nobe ufuna imali yakho ikhule? Uma sewutibutile watiphendvula tonkhe letinhlobo temibuzo, utawube se unelwati loluphelele lekutsatsa sincumo.
UMLANDZISI: Ngenhlanhla yakhe uMnumzane Chabeli, Palesa angeke amyekele kalula kanjalo?.
CONTINUING ? PLEADING Ngiyakucela, babe, kute umuntfu lotakuphocelela kutsi wente intfo longayifuni.
PALESA: Lengikucelako mine, kutsi tfola indlela longayinakekela ngayo imali yakho.
Akusiko lokufanele mine.
PALESA: Babe, uyangihlekisa! Mine lengikucelako kuwe kutsi tfola kutsi tiyini tintfo longakhetsa kuto. Sicelo lesimatima leso?
ANDREW: Yimali yami, utsini ngaloko? Kodvwa-ke, sitawucela bani?
PALESA: Kukhona lengimatiko mine unguchwepheshe.
Utakunika seluleko lesihle.
PALESA: Angeke kukubite kakhulu babe.
ANDREW: Ngembi kwekutsi utihluphe ngaloko, ngifuna kwati kutsi mbamba lochwepheshe wakho wetimali utangibita malini.
PALESA: Nami anginasiciniseko. Kepha singakubuta loko.
Ngiyakholwa kutsi utawuba neluvelo.
PALESA: Kwaze kwabamnandzi-ke loko!
Nkhosikati Ndlovu?. babe? Yebo ukhona. Ngikubitele yena??
UMLANDZISI: EsiGcawini sekucala sifundze ngekubaluleka kwekulondvolota ngendlela lehlakaniphile, nekutsi loko singakwenta ngetindlela letehlukene njengekubaluleka kwekulondvolota imali ngekuhlakanipha, njengekufaka imali ebhange, kutsenga umshwalensi wemphilo, nobe kujoyina sitokfela.
EsiGcawini sesibili seNyuku Time sitawubuka tinhlobo letehlukahlukene letikhona longakhetsa kuto uma usisa.?
Khumbula: Ngiso lesi sikhatsi, nyalo ngiso sikhatsi?sikhatsi sekunakekela imali yakho?sikhatsi sekuyandzisa?. iNyuku Time?.
I-Nyuku Time luchungechunge lwemidlalo lesihlanu lemifishane lecondzene nekunakekela imali yakho, kuyisisa futsi uyandzise. Ngako hlalaphansi. Unetseteke. Ulalele. Ngoba lesi Sicephu sesibili.
SICEPHU 2: TINHLOBO LETEHLUKAHLUKENE TEKUSISA
Badlali:
UMSAKATI: Sekuyi Nyuku Time! Sikhatsi sekufundza kwenta imali yakho ikusebentele matima iphindze yandze futsi?.Nyuku Time?.
UMSAKATI: Sicephu sesibili: Tinhlobo letehlukahlukene tekusisa?.
ANDREW: Awu nkosiyami! Bangihlasela ngatotonkhe tindlela, ngisho naNgcongcoshe wetiMali imbala!
PALESA: Babe, sesicocile kakhulu ngaloku!
Uyasidzinga yini seluleko lesihle macondzana nekutsi wenteni ngemali yakho?
PALESA: Kulungile. Nguloko-ke latakwenta uMnumzane
PALESA: Kute muntfu lotakuphocelela kutsi wente longakufuni.
Lokumele ukwente ?nje wena kubuta imibuzo. Bese utitsatsela sincumo.
PALESA: Mine ngalesikhatsi ngikulungiselela kutsi nibonane, uMnumzane Khumalo utibalile tintfo letitsite lokumele uticabange?.
PALESA: Yebo. Kwekucala utsite kufanele uhlolisise kahle tintfo letisembili naletimcoka emphilweni yakho?.
PALESA: Kusho kutsi-nje kumele utsatse sincumo sekutsi yini lotama kuyenta ngemali yakho?
PALESA: Siyakwati loko! Lakushoko kutsi, ngabe usisa ngoba ufuna kutsenga lokutsite kwelikhetselo njengendlu nobe libhizimisi?
PALESA: Pho nangabe unayo indlu nelibhizimisi, usiselani?
ANDREW: (BEAT - LIGHTHEARTED) .?Ngifuna indlu lenkhulu nelibhizimisi lelikhulu, futsi nekuciniseka kutsi imali yami kayiphelelwa sisindvo sayo. Konje batsi yini kona loko?
ANDREW: Awuva-ke, ngifuna kuncoba loko kwehla kwemandla emali. Futsi ngifuna siciniseko sekutsi imali yami iphephile. (MORE SERIOUSLY). Bese futsi ngilondvolota imali yekuguga kwami, neyendvodzakati yami?nakutfuke kwenteka lokutsite kimi ngaphambi kwaloko.
PALESA: Kulungile. Loko-ke ngiko lokusembili nalokumcoka kuwe.Kwekucala: Kwandzisa imali yakho. Kwesibili: Kuphepha. Kwesitsatfu: Kuncoba kwehla kwemandla emali. Kwesine: kutfola impesheni yakho nase ugugile, kantsi Kwesihlanu: Kutsengela mine i-Ferrari.
PALESA: UMnumzane Khumalo naye futsi utsite kumele utincumele wena kutsi ufuna kusisa imali lengakanani futsi kube sikhatsi lesingakanani.
ANDREW: (ALARMED) Loko akuchazi kutsi imali yami itawuvaleleka ku-akhawunti letsite ngingabe ngisakwati kufinyelela kuyo, akusinjalo?
PALESA: (PATIENTLY) Cha, babe, akusinjalo. Kodvwa una- Seventeen thousand Rand kulesasikotela semakukisi longakaze umtsintse, sekuze kwengce iminyaka lesihlanu. Futsi-nje nelibhizimisi lakho lichubeka kahle. Utfola imali lesanele natsi kutsi siphile kahle. Ngaphandle kwaloko-nje, angeke uyidzinge yonkhe le-R17 000 yakho ngasikhatsi sinye. Ungakwati kuyisisa esikhatsini lesifishane, bese ubeka lenye yekutsatsa umhlalaphansi eminyakeni lengu 25.
ANDREW: Konkhe loko kuvakala kuyinkinga kimi.
Yini lombhedvo lekhuluma ngawo lendvodza
PALESA: Ewu! Kube ngimane gatibindzela. Hawu kodvwa, babe, yini ungamvumeli achaze?
Ngicinisile, Angati?.
ANDREW: Nkhosikati Ndlovu, ngiyacolisa, sekufanele ngihambe ngineliphoyinti lelitsite nalomunye. Sitawubuye sicoce ngaloku, Kulungile? Yebo?. Yebo?. Usale kahle.
CHWEPHESHE UYAPHAWULA
UMLANDZISI: Emhlanganweni uMnumzane Chabeli ubute uMnumzane Khumalo mibuzo leminyenti. Bekafuna kwati ngetinhlobo letahlukene tekusisa, utsandze kwati kutsi angasisa njani, wafuna nekwati ngetingoti letibakhona kuloko. Naku lakushito uMnumzane Khumalo?
CHWEPHESHE: Njengabo bonkhe labasisa timali, uMnumzane
Chabeli, kwekucala kumele ahlole lokusembili nalokumcoka kuye bese uyancuma kutsi angakhona kusisa lokungakanani, nekutsi futsi angayisisa sikhatsi lesingakanani leyo mali yakhe.
Nangabe ute luphahla ngetulu kwenhloko yakho, lokumele ukucabange kucala kutsi kufanele yini nobe cha kutsenga indlu. Nobe kunjalo, kufanele kutsi ulondvolote imali letsite ebhange kubhekana nesimo lesingakalindzeleki, lapho ungakwati kufinyelela khona kalula. Kusisa sincumo sesikhatsi lesidze, ngaloko-ke akukalindzeleki kutsi umane uyidvonse-nje imali yakho ngobe ufuna kulungisa liphayiphi leliphukile!
Lokumcoka lokumele ukukhumbule kutsi tonkhe tinhlobo tekusisa tinetigaba letahlukene tebungoti. Singatsi-nje, uma ungabeka imali yakho ekhaya kungenteka intjontjwe, nobe ishe iphele emlilweni, nawuyilondvolota ebhange ingase ikulahlekele naliwa libhange, uma uyisisa ngemashezi, sisindvo selinani lemashezi akho singehla, nobe leyonkampani iwe.
Ngalokutayelekile, uma luhlelo lokusisa linebungoti lobukhulu, nemandla enzuzo lewaniketwako abamakhulu kute idvonse bantfu kutsi basise. Ngalamanye magama, uma leluhlelo lekusisa linelizinga lelisetulu kakhulu lenzuzo, loko kungakucacela kahle kutsi lelo luhlelo linebungoti lobuselizingeni lelisetulu.
Lesinye sifundvo lesilusito longasikhumbula kutsi ungawafaki onkhe emacandza akho ekusisa kubhaskidi munye. Sibonelo, uma ufaka yonkhe imali yakho ku-mashezi enkampani yinye bese iyadliwa leyonkampani, lapho-ke ungalahlekelwa ngiko konkhe. Kuncono kakhulu kutsi uyisabalalise imali yakho unciphise bungoti. Leyo ngulenye yetintfo i-Investment Fund lengakusita kutsi utente. Umhwebingemashezi (broker) lonelayisensi, nemuntfu lodvumile lohweba ngemashezi bahlala njalo banayo ilayisensi ? bangakweluleka ngemashezi, ema-Bond nema-Unit Trusts, bakusite futsi ngekutsenga nobe utsengise ngelinani lelihle. Sisakhuluma ngabo bahwebingemashezi, empeleni, cinisekisa kutsi uyabukabuka kute utfole loncono ngendlela latakukhokhisa ngayo, ngelusito latakuniketa lona.
Loyo muntfu lohweba ngemashezi lomkhetsile utawubese uya emakethe yetimali (stock market) ayobona kutsi ngutiphi tinkampani letiniketa ematfuba lamahle ekusisa. Kulokukhetsa lokubanti utawube se usita ngekukwentela luhlu lekusisa (i-Investment portfolio). Lolo nalolo luhlu luhlukile. Ngoba empeleni bonkhe bantfu nabo behlukile. Bantfu labehlukene banemanani emali lehlukene labawasisako, futsi banetidzingo netinhloso letehlukile. Lokuhle lokumcoka ngeluhlu lekusisa nalicatsaniswa nekusisa lekukodvwa (ne-single investment), kutsi lehlisa bungoti. Njengaloku ngike ngasho, nangabe usisa ngelishezi linye kuphela, nalo lelolishezi bese lilahlekelwa sisindvo salo (yi-value yalo), ungalahlekelwa samba lesikhulu semali yakho. Nobe kunjalo, uma usisa ngemashezi lahlukene, akukalindzeleki kutsi linani lawo onkhe emashezi lowatsengile lehle ngasikhatsi sinye. Loku kwenta kutsi timali lotisisile tiphephe kakhulu.
UMLANDZISI: Watsi nasekabuyele eligalaji lakhe ekhaya uMnumzane Chabeli watitfola anetintfo letinyenti laticabangako?.
PALESA: Manje, Babe, sewusitsatsile sincumo sekusisa imali yakho?
PALESA: Kwaba kuhle loko. Manje, yini lotayenta?
ANDREW: Ewu! Ngisengakati kwanyalo. Kusenetintfo letimbalwa letisengakangikhanyeli kahle.
nemashezi.
BOMBASTIC Kusisa imali akusiyo intfo umuntfu lokumele ayijake, nobe ayente ngekucwabita kweliso, Palesa.
UMSAKATI: Esigcawini 2 se?Nyuku Time? Sifundze ngaletinye tinhlobo letikhona longakhetsa kuto tinhlobo tekusisa ngendlela longasabalalisa ngayo bungoti, kanye netinhlobo tekusisa tesikhatsi lesidze nalesifishane.
: UMSAKATI: Khumbula! Sikhatsi ngunyalo, nyalo ngiso sikhatsi?.sikhatsi sekunakekela imali yakho?sikhatsi sekuyandzisa ? yi Nyuku Time?.
BEATI-Nyuku Time luchungechunge lwemidlalo lesihlanu lemifishane lecondzene nekunakekela imali yakho, kuyilondvolota nekuyandzisa.
Ngako-ke, hlala phansi. Unetseteke. Ulalele. Ngobe nasi Sicephu sesitsatfu se-?Nyuku Time? (Tinhlobo letehlukahlukene)?.
SICEPHU: 3 TIMAKETHE TETIMALI
Badlali
Umsakati
UMSAKATI: Imali ayimili etihlahleni, akunjalo? Nawe kufanele kahle. Hhayi-ke, nyalo sesikhatsi sekwenta imali yakho ikusebentele matima?sikhatsi sekuyandzisa?yi-?Nyuku Time??
UMSAKATI: Sicephu: 3 tiMakethe tetiMali?
PALESA: Ekugcineni sewuze wayicedza kuyilungisa.
Ivakala ilunge mbamba.
Palesa. Ayikaze yanakekelwa kahle, nguloko! Angikholwa kutsi lemoto yake yaseviswa kusukela yatsengwa. (BEAT) Empeleni wena yini lekuletse lapha manje ekuseni?
PALESA: Ngitele kutokukhumbuta kutsi umngani wakho, uMnumzane Khumalo utofika atokubona futsi lamuhla ? ngalo R17 000 lofuna kumsisa...
Ngicabanga kubeka incenye letsite yemali yami emakethe yemphahla (stock markets), kodvwa ngisafuna kumbuta kucala ngaloko.
Lentfo yekusisa iyatfokotisa, Palesa. (BEAT) Bewati kutsi letinye tinkampani nabo hulumende baboleka imali emakethe yetimali nabafuna kusisa futsi batitfutfukise?
Lishezi, mntfwanaketfu, yincenye yenkampani. Nangabe inkampani inikela ngesigidzi semashezi kutsi atsengiswe, kantsi wena unelishezi linye kuyo, unelishezi leliyinobolo yesigidzi kuleyo nkampani.
ANDREW: Ungitjelile uMnumzane Khumalo, kodvwa sengikhohliwe. (BEAT) Inkampani itsatsa ibhondi bese ikhokha intalo kuma nobe ngubani lokhiphe ibhondi. Inkampani futsi ibese seyibhadala leyo mali leyibolekile esikhatsini lesitsite lesibekiwe. Loko kufana ngco nekutsatsa ibhondi yendlu, akunjalo?.
Ngaloko usengakati kutsi utawusisa ngemashezi nobe ngemabhondi?
ANDREW: Lengikukhumbulako kutsi emashezi nema-bhondi kokubili kungehla kwenyuke ngesisindvo ngasosonkhe sikhatsi kodwva ma-bhondi ehluke kancane, ikakhulu ma-bhondi ahulumende. Cishe abhadala inzuzo kumninimashezi.
PALESA: Mhlawumbe udzinga kutsi ufake imali yakho leningi kuma-bhondi. Ngaleyo ndlela uyati kutsi utawutfola inzuzo.
ANDREW: Yebo, kodvwa lelibhuku lengilifundzile litsite ungenta imali lenyenti ngemashezi kunemabhondi.
PALESA: Kodvwa mabhondi aphephile, akunjalo, kungako ungatfoli lokunyenti ngema bhondi.
ANDREW: (UNCERTAIN) Ngibona kanjalo. Mabhondi akuniketa inzuzo lotayitfola njalo sikhatsi lesidze, futsi akunangoti lenkhulu. Emashezi anebungoti lobukhulu, kodvwa ungakwati kwenta imali lenyenti ngesikhatsi lesifishane.
PALESA: Manje na utsenga emashezi uma linani lawo liphansi bese uyawatsengisa uma linani selenyukile, utawubuyelwa yimali lenyenti. Lapho-ke sengiyayitfola i-Ferrari lena uloku ungitsembisa yona. Anginaso sidzingo sekulindza.
PALESA: Ngaloko lichinga lisekutseni wati emashezi lokumele uwatsenge?
ANDREW: Yebo, nguloko-ke lengifuna kumbuta kona umngani wami,uMnumzane Khumalo: ngiwatsenga njani emashezi lakahle?
PALESA: Bekungu Nkhosikati Ndlovu, babe. Ufuna kukhuluma nawe ngekutsi umnikete sikweleti lesincane.
CHWEPHESHE UYAPHAWULA
UMLANDZISI: Nabanatsa litiya ngaleyo ntsambama, Mnumzane
Khumalo wamtjela uMnumzane Chabeli konkhe labekafuna kukwati ngemakethe yetimali.
ngulapho tinkampani naHulumende ayakhona kuyocokelela imali. Njengesibonelo, Hulumende, naye kulesinye sikhatsi uyayidzinga imali ? nobe i-capital, ngendlela levame kubitwa ngayo - kuyokhokhela tindleko temisebenti letahlukene tetinhlobo ngetinhlobo, njengetinhlelo temanti, ema-kliniki, tikolo nobe timpesheni tebantfu labadzala. Netinkampani tiyayidzinga ? imali kukhulisa nobekuyisisa ku-tisetjentiswa letinsha (equipment) nobe isayensi.
Indlela lesebenta ngayo ngule: uma inkampani incuma kutsi ifuna kutsengisa emashezi ayo emakethe yemphahla (ku-stock market), sisindvo (i-value) sayo, yonkhe ingcebo yenkampani ? takhiwo, tintfo tekusebenta, umkhicito njalonjalo kuyahlelwa kahle bese kufinyelelwa elinanini leliphelele (total value) lenkampani. Lelo linani-ke libe seliyahlukaniswa libe tincetu letilinganako. Letotincetu letilinganako, letibitwa ngekutsi ngema-shezi, tibe se tibekelwa kutsengiswa.
Uma utsenga emashezi, usuke utsenga incenye yenkampani kantsi futsi na utsenga emashezi lamanyenti, incenye lenkhulu yenkampani iba ngeyakho. Kufanele ukhumbule, nobe kunjalo, kutsi ngekuba nelishezi akusho kutsi imphahla yaleyonkampani nayo iba ngeyakho, njengetitulo nobe litafula, kodwva kuba incenye-nje yaleyo nkampani. Kuvamise kutsi tinkampani tibe netigidzi temashezi e-bantfu nobe etinhlangano letingemakhulukhulu. Lokunye futsi, kuba nemashezi enkampanini akusho kutsi sewuneligunya lekubhekana netikweleti taleyo nkampani. Nangabe leyonkampani losise kuyo iyawa kungenteka kutsi ulahlekelwe ngito tonkhe timali lotisisile, kodvwa nguloko-nje kuphela. Lapho-ke awusakhokhi lenye futsi imali.
Uma ngabe lenkampani losise kuyo yenta inzuzo, ingatsatsa sincumo sekutsi itsatse incenye, nobe yonkhe lenzuzo iyinikete labo labatsenge mashezi kuyo. Loku-ke kubitwa ngekutsi kwehlukaniselana (i-divident). Kwehlukaniselana loku kwenteka kanye ngemnyaka, kuya-ke ngekutsi umuntfu utsenge emashezi langakanani. Emhlanganweni waminyaka yonkhe baninimashezi bayavota kuze bancume kutsi ingakanani inzuzo lekumele bahlukaniselane yona, nekutsi ingakanani imali lekumele baphindze bayisise kulenkampani.
Kukhula kwemali (capital growth) ngumehluko loba khona phakatsi kwelinani lotsenga ngalo lishezi, nelinani lotsengisa ngalo lelolishezi. Kukhula kwemali yakho kuncike ekutseni leyonkampani isebenta njani, nanekutsi emashezi ayo advume kangakanani kubatsengi emakethe yemphahla.
Ngalamanye magama, sisindvo (value) selishezi siya ngekuphakelwa kwalo (supply) nekutsi lifunwa kangakanani kandzi futsi singagucuka lusuku ngelusuku. Uma lishezi lehla ngesisindvo, nawe futsi ulitsengise ngemali lengaphansi kwaleyo lowalitsenga ngayo, loku-ke kubitwa ngekutsi kulahlekelwa yimali (yi-capital loss).
Lenye indlela longasisa ngayo emakethe yetimali ingaba nguloku lokubitwa ngekutsi ngema-bhondi. Ema-bhondi akhokha lizinga lelingagucuki (fixed rate) lentalo ngendlela leyetayelekile, futsi atsatfwa ngekutsi ayindlela lenhle yekusisa yesikhatsi lesidze, nalanebungoti lobuncane. Nasikhuluma-nje ngema-bhondi akanayo, inzuzo kangako njengemashezi, loko kungenca yekutsi anebungoti lobuncane (less risky).
Kwekugcina, ngifuna kunitjela ngema-investment funds?. Ema- investment funds tinhlangano letisisela (investela) bantfu timali tabo. Lusito lolukhulu lwaletinhlangano ngukutsi tisabalalisa bungoti bakho (your risk) ticinisekise kutsi awuwafaki onkhe emacandza akho kubhasikidi munye.
Kukhona tindleko letidvonswako talomsebenti lolusito, vele - kunjalo imvamisa kuba ngemaphesenti latsite alelonani lemali lolisisako ngako - ciniseka kutsi tiyini leto tindleko letidvonswako ngaphambi kwekusayina nobe yini.
UMLANDZISI: Emuva kwemhlangano, uMnumzane Chabeli naPalesa bacoca ngaloko lebakufundzile?.
PALESA: Sewucabangile kahle kutsi usise imali yakho emakethe yemphahla?
ANDREW: Yebo ? letsite, kodvwa hhayi yonkhe. Ngisho kutsi, ngiyawutsandza lomcondvo wekuphakelwa kwenzuzo ngekuya kwebuningi bemashezi lowatsengile (dividends), nekukhula kwemali (i-capital growth), kanye nebulula (flexibility), njalonjalo, kodvwa ngifuna kusabalalisa bungoti ngalokukhulu kucaphela.
PALESA: Mhlawumbe kumele usise imali yakho letsite esikhwameni sekusisa (ku-investment fund). Ngaleyondlela utawuba nabochwepheshelabatakubhekela kahle imali yakho.
ANDREW: Ucinisile, naloko kuvakala kungumcondvo lomuhle futsi, kodvwa kunetindleko ekhatsi.
PALESA: Uyati kutsini, babe, kimi kubonakala shangatsi kute mbamba-mbamba indlela yinye lekahle yekusisa, lete tinkinga. Nguleyo naleyo yehlukile futsi inetidzingo letimcoka letehlukile. Lokusho kutsi lowo nalowo angasisa ngendlela yakhe lemgculisako.
ANDREW: Uyihlabe esikhonkhosini! Kungako-nje ngisete nemibuto lengifuna kuyibuta ngaphambi kwekutsi ngisise nobe nguyiphi imali yami lengiyisebentele matima.
ANDREW: Yebo, ngalokutako utangichazela kabanti konkhe nge-JSE kanye nekutsengwa nekutsengiswa kwemashezi.
Oh, lishonile, Nkhosikati Ndlovu?. (SIGHS). Cha, isengakalungi imoto yakho. Ecinisweni, ngibona kutsi sewudzinga lensha?. Yebo, ngiyati timoto tiyadula?.Yebo?kunjalo?. Buka lapha, ngiyadzabuka kutsi babe wakakho njengaloku sekashonile-nje, akazange alicabangele likusasa?. Yebo, vele ngiyatsandza kukusita, kodvwa?. Ini, kudla kwakusihlwa? Angicabangi kutsi?. Yebo, vele ngiyayitsandza inkhukhu?. Kutawuba ngitsi-nje sobabili?? Angi?
UMSAKATI: Khumbula: sikhatsi ngunyalo, nyalo ngiso sikhatsi?sikhatsi sekunakekela imali yakho?. Sikhatsi sekuyandzisa?. Nyuku Time?
I-Nyuku Time luchungechunge lwemidlalo lesihlanu lemifishane lecondzene nekunakekela imali yakho, kuyi-investa nekuyandzisa.
SICEPHU 4: I-JSE KUTSENGWA NEKUTSENGISWA KWEMASHEZI
Badlali
UMSAKATI: Uyafuna kutsi imali yakho ikusebentele matima?
Uyafuna kuyandzisa? Uma kunjalo-ke, lalela kahle ngoba?sekuyi-?Nyuku Time??.
UMSAKATI: Sicephu: 4 I-JSE, kuTsengwa nekuTsengiswa kwemaShezi.
(ACOUSTIC) LOFUNDZA TINDZABA ?Lokhulumela i-JSE lamuhla utsite kunelitsemba etimakethe tempahla taseNingizimu Afrika ngaphambi kwekwetfulwa kwesipho semashezi lesilindzeleke kusasa uma inhlangano lendzala yedayimane imemetela imiphumela yayo yemnyaka yetimali?.?
Kantsi akusiyo intfo leyatiwako?
ANDREW: Empeleni, sengicabange kutsi ngisise lo-R17 000
kulamanye emashezi, kute imali yami icale kungisebentela ingizuzele lenye imali.
ANDREW: Ngako-ke, ngikhetsa lengingakutsenga. Ngibeke elubondzeni eliphepha lelikhuluma ngetimali, nobe nguyiphi inkampani li- dart lami lelitayishaya?
ANDREW: Ngitawutsenga emashezi ayo leyonkampani.
PALESA: (HORRIFED) Babe, akusiyo indlela lokumele ukhetse ngayo emashezi le!
ANDREW: Hho, unelisu lelincono wena, angitsi? Awubuke-nje tonkhe letinkampani leti ku-JSE?.
CONTINUING Liningi lato angikaze ngive lutfo ngato. Nguyiphi-ke lenye indlela lengingakhetsa ngayo lengifuna kukutsenga?
PALESA: Umhwebimashezi. Uyakhumbula uMnumzane Khumalo wasitjela, - umuntfu loya kuye uma ufuna kutsenga nobe kutsengisa emashezi.
ANDREW: Kute umhwebingemashezi lengimatiko mine.
PALESA: Yebo, Ungalutfola luhlu lwebahwebingemashezi ku-
JSE. Ukhetsa abe munye, uchaze kutsi ufuna kusisa malini, usho nesizatfu, nekutsi yini lofuna kuyitsenga. Umhwebimashezi utawube se uyakweluleka.
PALESA: Empeleni, Babe, utawube amele wena. Ngaloko-ke kutawuba kuhle akhokhelwe. Lokukhokhako wena kutakuya ngaleyo femu yebahwebingemashezi broker. Ngiva kutsiwa labanye babita linani lelitsite lelincuyiwe, njenga R150. Labanye babita cishe liphesenti linye.
ANDREW: Ngako-ke, ngicabanga kutsi kufanelekile kutsi ngitsi kubukabuka ngifune sisindvo (i-value) semashezi lesikahle. Manje lowo mhwebingemashezi utawuphindze futsi atsengise emashezi ami?
PALESA: Kutsengisa nobe kutsenga ?kusahamba ngawo lowo mgomo lofanako.
PALESA: Cha, akusadzingeki! Umhwebingemashezi wakho angatsenga ngelucingo, nobe nge-Inthanethi.
ANDREW: Ngubani loncumako kutsi lishezi ngalinye kumele libite malini?
ANDREW: Palesa, uyangiphukuta? Vele ukhona lotsatsa sincumo.Kumele kubekhona loshoko kutsi lishezi lingumalini!
PALESA: Cha, babe. Yimakethe lencumako. Uma liningi lebantfu lifuna kutsenga lishezi lelitsite, abe angekho emashezi lanele ekubatsengisela, lapho-ke linani liyenyuka.
ANDREW: Nangabe bangekho labanyenti labafuna kutsenga lishezi lelitsite?
PALESA: Lapho-phela, linani liyehla.
PALESA: (TICKLING HIM TEASINGLY) Hheyi kodvwa babe uyatsandza kungikhatsata ngalesinye sikhatsi, uyati-nje, uyangikhatsata impela.?
Sigcawu: 2 Kuseshabhu leligalaji lakaChabeli ? kusemini
UMLANDZISI: (AMUSED) Ngenhlanhla lenhle uMnumzane Chabeli bese awehlisile umoya ngesikhatsi ahlangana naMnumzane Khumalo, lowamchazela konkhe nge-J SE, nangekutsenga nekutsengisa emashezi.?
CHWEPHESHE UYAPHAWULA
CHWEPHESHE: Kwekucala-nje asesibuke kutsi loluhlelo lusebenta njani?. Empeleni timbili kuphela tinhlobo tekuhweba ngemashezi. Lena lenye leyatiwa kakhulu bantfu labanyenti kutsiwa yi-?Open Outcry? lapha ngulapho bonkhe bahwebingemashezi basebentela khona ehholweni lenkhulu lenemsindvo, bahweba ngemashezi ngekumemeta (ema-buy and sell orders abo) batsi lishezi alitsengwe nobe litsengiswe ngendlela lebukeka shangatsi icakile futsi isangene. Etindzaweni letinyenti, nobe kunjalo, lendlela ye-?open outcry? seyitsatselwe indzawo yindlela lehweba ngalokuphelele ngekusebentisa ema-khopyutha, lokuyintfo lotayibona uma uvakashela i-JSE nobe i-London Stock Exchange ? ludvwendvwe lebatsengisi labahleti kuma-khopyutha. Kuletinsuku, nawufuna kubona luhlelo le-?Open Outcry? kutawufanele kutsi uye e-New York nobe e-Tokyo.
Ngaphambi kwekutsi inkampani yente ?luhla?, ngalamanye emagama inikete emashezi ayo kutsi atsengiswe emakathe yemphahla, linani lalelo-nalelo lishezi kumele libalwe kucala. Loku kwentiwa bochwepheshe betimali labenta intfo lebitwa ngekutsi yi-?Offer Price?. I-?Offer Price linani lekuvula, lokutawutsengiswa ngalo, lishezi lelitsite, likwati kuhweba. Uma-nje lishezi seliphumile kutsi liyotsengiswa ngaleyo-Offer Price yalo, emandla etimakethe tekuhweba ayacala kusebenta, nelinani lalelolishezi lingase lenyuke nobe lehle, kuya ngekutsi likhishwe kangakanani nekutsi lifunwa kangakanani.
Intfo lemcoka lokumele ikhunjulwe kutsi wena njengemuntfu losisile, awufanele kuya e-stock exchange uyotsenga nobe uyotsengisa emashezi. Kutsenga nekutsengisa kwentiwa ngumhwebingemashezi. Ungahle utibute kutsi tiyini tindleko letibakhona ekutsengeni nasekutsengiseni emashezi? Empeleni loko kuya ngaleyo femu yebantfu labatsengisa mashezi. Bantfu labahlukene labatsengisa mashezi babita emanani lahlukene. Labanye, kakhulu labo labatsengisa nge-inthanethi batsatsa nje kuphela linani lemali lelibekiwe lelisemkhatsini wa R150-R250 kuloko kuhweba ngakunye (transaction). Labanye batsatsa ikhomishini yabo njengeliphesenti lesisindvo semashezi latsengiwe nalatsengisiwe. Imvamisa ikhomishini isukela lapha kubo [0,55 kuya ku 2% ] yesisindvo saloko kuhweba ngakunye. Loko kuchaza kutsi uma utsenga emashezi labita 10,000 wemarandi, i-khomishini yetfu itawuba semkhatsini wa 55 na 200 wemarandi. Umsebenti wekuhweba ngemashezi lapho tindleko tekutsenga netekutsengisa titincane khona nawo ungatfolakala.
Uma utjela lomhwebingemashezi kutsi utsengisa lamanye emashezi akho, utawucala ngekuhlola ku-khompyutha kutsi lawo mashezi ngabe ngewakho mbamba, emvakwaloko utawube se utfola umtsengi e-JSE. Uma sekuvunyelenwe ngelinani, umhwebingemashezi lomele lona lotsengako, wendlulisela imali yemtsengi kumabhalane (transfer secretary) londlulisela imali kuloyo lotsengisa emashezi lawo. Lomhwebingemashezi wakho utawube se undlulisela emashezi akho ? nawo futsi aye kulomabhalane. Uma nje lomabhalane sekanaloko kokubili, emashezi latsengiswako nemali yekuwatsenga, abe se andluliselwa kumnikati wawo lomusha, lirekhodi lelishoko kutsi ngubani umnikati wemashezi, libe se liyalungiswa, nemali itfunyelwe kuwe. Lolu luhlelo lolumalula futsi lolutsembekile.
Esikhatsini lesitako ngitanitjela kabanti ngekusisa emakethe yemphahla?.
Chabeli watsatsa sincumo?.
Sigcawu: 3 Kusekhishini
PALESA: Sincumo lesihle leso, Babe.
PALESA: Lena lenye incenye yemali yakho yona?
PALESA: Kuvakala kumnandzi loko, Babe.
UMLANDZISI: KuSicephu 4 se ?Nyuku Time? uvile kutsi umhwebingemashezi wentani nekutsi atsengwa atsengiswe kanjani emashezi e-JSE. Esigcawini 5 utokwati ngemalungelo akho nemagunya akho njengemuntfu losisako...
Khumbula. Sikhatsi ngunyalo, nyalo ngiso sikhatsi?sikhatsi sekunakekela imali yakho?. Sikhatsi sekuyandzisa?Nyuku Time?.
I-Nyuku Time luchungechunge lwemidlalo lesihlanu lemifishane lecondzene nekunakekela imali yakho ngekutsi uyisise futsi uyandzise.
Ngako hlala phansi. Unetseteke. ulalele. Ngoba lesi Sicephu 5 se-?Nyuku Time?? (I-JSE: kuTsenga nekuTsengisa emaShezi)?.
SICEPHU: 5 KUVIKELWA KWEBATSENGI
Badlali
UMSAKATI: Uyisebentele matima imali yakho, angitsi?
Hhayi-ke, manje sesikhatsi sekufundza kutsi uyente ikusebentele matima. Nekutsi ungayandzisa njani! Sekuyi-?Nyuku Time??
UMSAKATI: Sicephu 5: Kuvikelwa kwebaTsengi
Sigcawu: 1 Kusekameleni lekulala laMnumzane Chabeli ? kusebusuku
PALESA: Ngikuve ngisekamelweni lami umemeta.
ANDREW: Yebo.. Beyihambe yonkhe?le-R17 000
PALESA: Ungakhatsateki, loko ngeke kwenteke.
ANDREW: Ha, awati lutfo wena. Ungatsini nangabe lomhwebingemashezi lengimsebentisako uyintjontja yonkhe lemali yami? Ungatsini nakangawenti kahle umsebenti wakhe?
PALESA: Babe, bahwebingemashezi bantfu labaceceshiwe.
Kumele babenjalo ngoba ngaphandle kwaloko bangalahlekelwa ngumsebenti. Kumele babe nemalayisensi. Kukhona nemitsetfo yekutiphatsa kahle lebalawulako (YAWN).
PALESA: Ngisho kutsi, kunemitsetfo nemibandzela letsite eyenta siciniseko sekutsi bahwebingemashezi bayinakekela kahle imali yakho (YAWN).
ANDREW: Yebo, kulula kuwe kukusho loko.
PALESA: Akunjalo babe, ngicinisile. Umtsetfo labanawo usho kutsi kufanele batsengele emakhasimende abo emashezi ngelinani leliphansi kakhulu, batsengise lawo mashezi ngelinani lelisetulu kakhulu.
Sengingahamba ngiyolala nyalo?
Yini mbamba-mbamba leyentiwa nguletinhlangano?
tilandzela imitsetfo lebekiwe.
ANDREW: Ngaloko-ke imali yami iphephile?
PALESA: (PATIENTLY) Yebo, babe, iphephile. Kute lotakweba imali yakho loyisebentele matima.
Kuyabongeka loko. Uke watsi kungikhatsata kancane.
ANDREW: Kukhona lophosa ematje efasteleni!
CHWEPHESHE UYAPHAWULA
Ndlovu ? uliphela endlebeni. Kodvwa futsi kusikhumbuto saloko lokungenteka nawungayinakekeli kahle imali yakho.
Loko kwaba ngulesinye setizatfu lesenta kutsi Andrew abute uMnumzane Khumalo ngemalungelo nemagunya akhe njengalosisa timali, nabaphindza futsi babonana?.
CHWEPHESHE: Njengalosisa timali unemalungelo nekutiphendvulela ngekutsi uhambele umhlangano waminyaka yonkhe lapho kutsatfwa khona tincumo letibalulekile ngelikusasa lenkampani. KuloMhlangano waMinyaka Yonkhe baninimashezi batfola litfuba lekukhipha tikhalo tabo mayelana nendlela inkampani isebenta ngayo, kandzi futsi bakwati nekuvotela tintfo letibalulekile, njengebukhulu bemali lebabelana yona. Kandzi futsi uma ngabe libhodi lebaphatsi alenti umsebenti walo kahle, baninimashezi bangavota kutsi libhodi licoshwe.
Nobe kunjalo khumbula naku. Nakwenteka kutsi usebenta efemini lapho unemashezi khona, loku akukuniketi ematfuba lakhetsekile emsebenti. Njengemninimashezi unemalungelo ebaninimashezi, futsi nawusisebenti unemalungelo etisebenti, kodvwa emashezi akakuniki siciniseko sekutsi ungacashwa emsebentini kalula. Ngako-ke nobe ngabe ungumninimashezi, usengacoshwa emsebentini.
Kusenjalo, kute longakwemuka emashezi akho nemalungelo lakuniketa wona. Nobe ngabe ulahlekelwe ngumsebenti wakho, usasenawo onkhe emalungelo emashezi akho uze uwatsengise lawo mashezi.
Lelinye lilungelo lakho njengemninimashezi kutsi uvumelekile kutfola ikhophi yembiko wemnyaka, yenkampani, longawufundza utfole lwati ngekutsi inkampani ichuba njani.
Kubalulekile futsi kutsi uhlale uvule mehlo akho wentele kuva timemetelo letikhishwa yinkampani ekuhambeni kwemnyaka, ngoba loko kungakusita ekuboneni kutsi kusafanele yini kutsi uchubeke nekutisisa timali takho kuleyo nkampani nobe cha. Nangabe loko akwenele, utawuphindze utfole imibiko yamalanga onkhe nge-stock exchange, tinkampani letiseluhlwini, kanye nemashezi latsengiswako kuwo onkhe maphephandzaba lamakhulu. Empeleni, nangabe awufuni umtfwalo wekulawula timali lotisisile, lapho-ke ungasebentisa sikhwama sekusisa (investment fund).
Ecinisweni, kutakutfokotisa kwati kutsi imali yakho ivikelekile uma uyisisa e-JSE. Loko akusho kutsi uvikelekile kutsi emashezi akho angalahlekelwa mandla, kodvwa uvikelekile kutsi umhwebingemashezi angantjontji imali yakho nobe atsengise emashezi akho ngaphandle kwemvume.
Bahwebingemashezi balawulwa sikhungo saHulumende lesibitwa ngekutsi yi-Financial Services Board nobe i-FSB, ngalamafishane. Umsebenti we-FSB kugadza imakethe yemphahla (stock market) nekuvikela tinjongo talabasisa timali. I-FSB futsi icinisekisa kutsi tinkampani tiyabatisa njalo labasisa timali ngekusebenta kwetimali tabo, nekutsi bahwebingemashezi benta konkhe ngendlela letsembekile lengenako kugodlelana (transparent). Ubokhumbula kutsi kufanele usebentise umhwebingemashezi lonelayisensi legunyatiswe yi-FSB, uma utsenga nobe utsengisa emashezi. Ngaphandle kwaloko awunako lokutakuvikela ebugebengwini.
Kwekugcina, kusisa timali etimakethe tetimali ngalesinye sikhatsi kuvakala njengenkinga, kodvwa liciniso kutsi akusinjalo. Futsi kusisa timali kunayo inzuzo. Sibonelo, nangabe bewushiye R10 000 ngephansi kwamatalasi wakho eminyakeni lesihlanu leyengcile, ngabe ulahlekelwe ngu 34% wesisindvo sayo ngenca yekwehla kwemandla emali. Ngalamanye magama, cabanga kutsi mahhabhula bekangu R1 lilinye eminyakeni lesihlanu leyengcile. Nawuyifihla kwekucala imali yakho ngephansi kwamatalasi wakho bewutokhona kutsenga langu 10 000. Kodvwa lamuhla ungatfola kuphela langu 6,590! Ngakulolunye luhlangotsi uma ngabe bewusise R10 000 wakho esikhwameni lesinelwati lwetinkampani letingu 40 letisembili e-JSE, lapho bewutokhona kutsenga ngetulu kwemahhabhula langu 14 000 lamuhla! Leyo yintfo longacabanga ngayo, akunjalo?
UMLANDZISI: Kusho kutsi, uMnumzane Chabeli angeke awente maphutsa lafana nalawa lentiwe nguNkhosikati Ndlovu. Ciniseka kutsi umhwebingemashezi wakho unelayisensi futsi ugunyatiwe.
PALESA: Uvakala sengatsi utsakasile, babe.
Inakekelwe kahle. Nyalo lokufanele ngikwente kuyibukela nayandza.
Imoto yakhe seyilungile, kodvwa akakwati kuyikhokhela. Wayilahla yonkhe imali yakhe ngekusisa imali yakhe kabi.
PALESA: Pho-manje sewutokwenta njani?
ANDREW: Ngitamvela. Kutakuba kanye-nje?.
Yebo imoto yakho seyilungile. Nawungeta utongibona ntsambama, singabonisana kutsi ungayikhokhela njani, kulungile??Yebo, ngiyati kutsi uyatisola ngakokonkhe lokwentile?.yebo?lihora lesitsatfu lilungile. Oh, Nkhosikati Ndlovu futsi . sitawukhuluma ngetindlela tekukhokha ? tindlela tekukhokha ngemali, kulungile. Kute lokunye. Kulungile? Angidlali, hhayi lokunye.
UMLANDZISI: Kuloluchungechunge sibonile kutsi kubalulekile kulondvolotela likusasa. Akukaphephi futsi akusiko kuhlakanipha kubeka imali yakho esikoteleni nobe ngephansi kwematalasi wakho, ngenca yetingoti lesitatiko temlilo nekweba. Futsi nakanjani itawulahlekelwa sisindvo ngenca yekwehla kwemandla emali.
UMLANDZISI: Tinyenti tindlela longatikhetsa tekwandzisa imali yakho. Njengekutsenga imphahla, ujoyine sitokfela, uvule i-akhawunti yekonga ebhange kanye nekusisa emakethe yetimali. Setsemba kutsi sikhonile kukusita kutsi uvisise lamanye matfuba lovulelwe wona.
Khumbula, uyisebentele matima imali yakho, yenta kutsi nayo ikusebentele matima!
I-Nyuku Time luchungechunge lwemidlalo lesihlanu (lemifishane) lecondzene nekunakekela imali yakho, (uyisise) futsi uyandzise.
LIVI: Unemaphupho lamabi ngekulondvolota imali?
Ukhatsatwa yindlela lowonga ngayo? Uphicwa yimakethe yemphahla? Ngako-ke lalela tinhlelo te-?Nyuku Time? letitawusakatwa esiteshini sakho kungekudzala?konkhe lofuna kukwati macondzana nekonga nekubeka imali uyilondvolote?uyisibentele matima imali yakho. Nyalo-ke yivumele imali yakho ikusebentele matima ? ulale kahle ebusuku ngekukhululeka?
