Indaba Yethu
Laqala Khona Uhambo
Ngenkathi ngiqala ukuhlangana no-Rawm emcimbini wenhlangano yami engenzi nzuzo i-WorldofMoney, wayemane eyingane ethukile ecashe ngemva kukamama wayo. Manje, usesikhundleni esiphakeme ngo-6'4 ekolishi, ekwazi kahle kwezezimali, futhi ungumholi wekilasi le-WorldofMoney. Ngenkathi abantu abaningi abasha abalingana naye besaphaza imali abayitholayo, uRawm wakha ingcebo ekhiqizwayo. Utshala imali ezimakethe zamasheya – kanye nekusasa lakhe. Yilowo kanye umbono wami weWorldofMoney, ofinyelela izinkulungwane zentsha ngokuhlangenwe nakho okugxilile nokuqaphela amasiko ekilasini. Ngenkathi sinwebela ohlelweni lokusebenza, i-Motley Fool yalubiza ngokuthi uhlelo lokusebenza olungcono kakhulu lokufunda ngezezimali emhlabeni. Kodwa izwe engangifuna ukulikhonza lalingakakulungeli.
Izinselelo Zasendaweni Zezifiso Zomhlaba
Ngesikhathi ngingena esiteji eNgqungqutheleni Engenazihibe eNairobi, eKenya ngo-2018, i-WorldofMoney yayisivele ilethe amandla ezimali kubantwana base-Afrika abahlakazekile iminyaka engaphezu kweshumi. Ngangise-Afrika ukuze ngikhuthaze le mibono ezinganeni nasemindenini futhi ngihlangane nothisha, abalawuli bezezimali, kanye nochwepheshe ukuze baqonde izithiyo zokwakha ingcebo emiphakathini yabo.
Lapho iGhana Stock Exchange ingitshela ukuthi ubuchwepheshe bayo abanele ukusebenzisa inkundla ye-WorldofMoney egcwele, enesevisi ephelele, ngabona ithuba. Ngakhuluma nabanye abaholi ngabona ukuthi ukuntuleka kobuchwepheshe, izimiso, kanye nemfundo kuvimbela izakhamuzi zase-Afrika ukuthi zithenge amasheya futhi zakhe ingcebo. Ichofoze ukuthi ngenkathi kunezithiyo zobuchwepheshe lapha e-Afrika, izithiyo zase-US ikakhulukazi zamasiko.
Inselele Yezamasiko Yengcebo Yesizukulwane
Amandla ezezimali abengekho njalo ku-radar yami. Ngakhulela esikweni labathengi–Ngemva nje kokuba nemali, ngaba senxanxatheleni yezitolo ngoba “ukuceba” kwakusho ukubheka ingxenye. Ngaqongelela izikweletu zokuya ezindaweni eziya esibhakabhakeni. Lapho ngingena ekolishi, ngasayina izinkontileka zosizo lwezezimali futhi ngavula amakhadi okuthenga ngesikweletu ukuze ngixhase indlela yami yokuphila. Ngangingenandaba nesikweletu sami futhi ngimane ngingazinaki izimali ezikhokhwa sekwephuzile, izinhlawulo nenzalo. Lokhu kungibambe ngokushesha lapho ngiqala ukusebenza. Ezama ukubukeka ecebile. Ukungcwatshwa ezikweletini I-Cultural Challenge of Generational Wealth Ikhono lezezimali lalingekho njalo ku-radar yami. Ngakhulela esikweni labathengi–Ngemva nje kokuba nemali, ngaba senxanxatheleni yezitolo ngoba “ukuceba” kwakusho ukubheka ingxenye. Ngaqongelela izikweletu zokuya ezindaweni eziya esibhakabhakeni. Lapho ngingena ekolishi, ngasayina izinkontileka zosizo lwezezimali futhi ngavula amakhadi okuthenga ngesikweletu ukuze ngixhase indlela yami yokuphila. Ngangingenandaba nesikweletu sami futhi ngimane ngingazinaki izimali ezikhokhwa sekwephuzile, izinhlawulo nenzalo. Lokhu kungibambe ngokushesha lapho ngiqala ukusebenza. Abaqoqi bezikweletu bashaya umnyango wami. Amakhadi esikweletu enqatshiwe yonke indawo. Ikhredithi yekhredithi ku-dumpster. Ngiphelelwe ithemba futhi ngididekile, ngazibuza ukuthi ukuphila kwami kwakuyoba njani ukube ngangifunde imikhuba efanele. Ukuthatha isifundo sami sokuqala sezezimali kwangikhuthaza ukuthi ngidale i-WorldofMoney. Bengifuna ukusiza izingane ebezibukeka njengami zakhe ikusasa elihlukile kunaleli ebenginalo. Ngo-2013, ngabhala ukuthi Ingabe Ngibukeka Njenge-ATM?: Umhlahlandlela Wabazali Wokukhulisa Izingane Zase-Afrika ZaseMelika Ezizibophezele Ngokwezimali eyaqokelwa Indondo Yomoya ye-NAACP Yomsebenzi Ovelele Wezincwadi esigabeni Sencwadi Yokufundisa. Kodwa ngokusebenzisa iWorldofMoney, ngangazi ukuthi imfundo ayanele. Imfundo yezezimali yabantu abamnyama idinga ukufakwa ohlelweni ngokwalo, kuze kufike ezinhlelweni zokusebenza esizisebenzisayo ukuphatha imali. Nakuba amathuluzi amaningi ezezimali ekhona futhi amukelwa abantu abaNsundu, akekho noyedwa owenza umzamo wokufinyelela abasebenzisi babo abamnyama ngolimi lwabo. Ngaqala ke iWekeza; IsiSwahili esisho 'londoloza' futhi 'tshala.'‘
Ukukhuluma Ulimi Lwemali
I-Wekeza iyona kuphela i-fintech eklanyelwe ukuba ikhaya labantu base-Afrika abahlakazekile ukuze bathole ingcebo. Kungakhathaliseki ukuthi ungowase-Senegal, e-Jamaica, noma e-Harlem, i-Wekeza yenza kube lula ukwazi ngezezimali, ukwazi, nokuzethemba. Ufakwa ebhange, wakhe isikweletu, utshale imali futhi wakhe ingcebo ngohlelo lokusebenza olugcina lukhuluma ngolimi lwakho namasiko akho. I-Wekeza yi-Economic Statue of Liberty for the African Diaspora e-United States.
Lokhu kudlula isiNgisi uma siqhathaniswa nesingezona isiNgisi. I-Wekeza yamukela lokho abakhangisi abakwaziyo amashumi eminyaka: abantu bazokuzwa kuphela uma bezizwela emlayezo wakho. Lapho iWorldofMoney isiza izingane, iWekeza imayelana nokwakhela wonke umndeni ingcebo. Abantu abadala bangakwazi ukutshala izimali zabo ezinkampanini ezihweba esidlangalaleni futhi bazivulele i-akhawunti yokugcina izingane zabo ngesikhathi zilapho. Yimpendulo yokuthi “yini okulandelayo?” lapho osemusha ephothula e-WorldofMoney FUTHI kuwumnikelo wenkululeko yezimali kunoma ubani owake wezwa, “shiya leyo mali ikhulume nabantu abacebile.”
IBlack Glory iyaphila eWekeza
Ukuze umlayezo uzwakale, kufanele uphume kumuntu okuzwakala sengathi uyawuthola. I-CFO yami u-Keith Wheelous - i-Wall Street CFO - futhi ngiyayithola, njengoba kufakazelwa abahloli abazimele abayi-100 abanikeza nje inguqulo ye-beta engu-4 kwezinkanyezi ezi-5. I-Wekeza idiliza izithiyo zengcebo yokukhiqiza kubantu base-Afrika abahlakazekile e-United States naseCaribbean. Okulandelayo, sinabela emazweni ase-Afrika afaka ugqozi lombono kwasekuqaleni. Izakhamizi zase-Afrika zihamba phambili, futhi zilungele uhlelo lokusebenza lwezezimali. Sizoba umdlali ophakathi, ohola izingxoxo mayelana nokwandiswa nokulawulwa kobuchwepheshe bezezimali kulo lonke izwekazi lase-Afrika. Lapho izinhlangano ezilawula amazwe abo zifinyelela kulokho okungenzeka, uWekeza uba nokuxhumana ukusiza i-Afrika yakhe ingcebo nayo. Naphezu kwezinkinga zami zezimali zakuqala, ngiphumelele. Ngabhala izincwadi eziyisithupha futhi ngavela kuSaturday Night Live. Ngiqede i-NYC Marathon kathathu futhi ngakha inhlangano engenzi nzuzo ephumelelayo esiza abantu esikalini. Ngiyazi ukuthi okhokho bami babheke phansi futhi bathi, ’Hamba, 'Brina! I-Wekeza iphupho elimangalisayo lokhokho bethu!
Hlanganani nethimba lethu
I-Wu-Tang Clan idume ngokuthi "Imali Ilawula Konke Okungizungezile". Lokho kuyiqiniso uma ungatshali imali, unesikweletu esibi, noma ungafakwanga ebhange. Ngakha iWekeza ukuze izigidi zethu emhlabeni wonke zikwazi ukubusa ekugcineni - zingabuswa - imali yethu.