1
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2
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Ngomhla wama-29 kuMatshi 2025, iKulturhaus Dornbirn ibibambe
umsitho othi "Inkululeko & Ukuzimela – Ummi onoxanduva" onegalelo

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olunomdla malunga nolawulo lomthetho, ubukhosi kunye nemali.

4
00:00:14,560 --> 00:00:18,359
Lo msitho uququzelelwe yi-Academy
for Personal Development eDornbirn.

5
00:00:18,359 --> 00:00:24,920
I-HOCH2.TV iye yarekhoda yaza yahlela zonke
iingxelo ngenxa yenu, babukeli abathandekayo.

6
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Namhlanje, i-Kla.TV ibonisa udliwano-ndlebe
noHansjörg Stützle malunga nokunyamalaliswa kwemali engxoweni.

7
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Ngoku sifika kuMnu. Hansjörg Stützle kunye
nomxholo wokulondolozwa kwemali kunye nokupheliswa kwayo.

8
00:00:53,679 --> 00:00:58,140
Ikwanxulumene ngokwemixholo, nangona kukho utshintsho oluncinci.

9
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Mhlekazi Stützle, mhlawumbi kuqala ndinombuzo omfutshane kuwe.

10
00:01:07,640 --> 00:01:13,719
Kwenzeka njani ukuba ube nomdla ongaka kwingxaki
yokupheliswa okanye yokugcinwa kwemali engxoweni?

11
00:01:13,719 --> 00:01:19,159
Ewe, kaloku kum kwakudala kakhulu,
ngokuqinisekileyo malunga neminyaka engama-25.

12
00:01:19,159 --> 00:01:27,799
Kwaye kuqala, ngokwembono enengqiqo, kuba
kukho abachasayo inkqubo yokuhlawula yasimahla.

13
00:01:27,799 --> 00:01:30,519
Kwaye oko ikakhulu lishishini lezemali.

14
00:01:30,519 --> 00:01:36,920
Malunga neminyaka engama-25 eyadlulayo, kwakucacile
kum ukuba lo mbandela uza kuvela ngaxesha lithile.

15
00:01:36,920 --> 00:01:45,480
Kuba imali ikubeka esichengeni isicwangciso sabo
soshishino ngendlela yokubaleka kwabantu ebhankini.

16
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Oku kuthetha ukuba ishishini lezemali
ngokwenene lihlala lixinzelelwe ukugcina ukuthenjwa

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luluntu kwinkqubo yemali kwinqanaba elithile.

18
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Ukuba oku kwehla ngaphantsi komda
othile, abemi bayaxhalaba baze baye ebhankini.

19
00:02:01,840 --> 00:02:06,640
Ufuna imali, ufuna ukuyizisa phantsi kolawulo lwakhe.

20
00:02:06,640 --> 00:02:10,680
Kwaye ke kwakha imigca, emva koko kuqhamka
isiphithiphithi ezibhankini, njalo njalo.

21
00:02:10,680 --> 00:02:15,520
Kwaye ke, ngokuqinisekileyo, kuvela ingxaki enkulu.

22
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Kwakucace gca kum ngelo xesha ukuba akukho
mbonakaliso yokupheliswa kwemali engxoweni.

23
00:02:21,840 --> 00:02:28,520
Kodwa ke, ngexesha lengxaki yezemali
ka-2007–2009, kwabakho umbonakaliso oqinileyo woku.

24
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Akukho bani na owaphawulayo,
ingakumbi ngokwalelwa kwemali engukheshi.

25
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Kwaye ayizange itsale umdla ongako kuba
yayichazwa ngesibizo esihle, esithi imida yemali.

26
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Umda wemali sele ulukwalelo lwemali engaphezulu komda othile.

27
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EYurophu – kulapho kwaqala khona – sinamazwe
ali-18 anokwalelwa kwemali engaphezulu komda othile.

28
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IGirisi, umzekelo, lilizwe elinomda
wemali ongaphantsi kakhulu we-€500 kuphela.

29
00:03:01,159 --> 00:03:10,546
Oku kuthetha ukuba ukuba uya eGrisi ngoku kwaye ufuna
ukuhlawula ityala lehotele eliyi-501 yee-euro, akukho mthethweni

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00:03:10,546 --> 00:03:15,479
kwaye kuyohlwaywa ngumthetho ukuhlawula ngemali engxoweni.

31
00:03:15,479 --> 00:03:25,759
IGrieke sele izamile kabini
ukunciphisa umda wemali ukuya kwi-€200.

32
00:03:25,759 --> 00:03:32,360
Kodwa oko kwakungenakwenzeka kuba imali
yephepha ye-500 ye-euro iseyimali esemthethweni.

33
00:03:32,360 --> 00:03:36,599
Kwaye seso kuphela isizathu esenza singabi namda wemali ophantsi.

34
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Ewe, kwaye olu phuhliso ngokucacileyo alwaziwa
ngabemi abaninzi kubomi babo bemihla ngemihla.

35
00:03:41,520 --> 00:03:42,719
Ngoko abanye abantu bayamkela nje.

36
00:03:42,719 --> 00:03:45,479
Ndicinga ukuba eJamani malunga ne-10,000 ye-euro.

37
00:03:45,479 --> 00:03:46,719
Okanye yeyam leyo inkcazelo?

38
00:03:46,719 --> 00:03:52,000
Hayi, okwangoku akukho mda wemali engaphezulu
kwe-€50 kwiindawo zokuthengisela (POS) eJamani.

39
00:03:52,000 --> 00:03:55,879
Hayi nkqu needipozithi, ngoko ke ngumthwalo wokunikezela
ubungqina bokuhlantswa kwemali yerhafu nezinto ezinjalo?

40
00:03:55,879 --> 00:04:00,752
Kanye, ngoko ke abathengisi banoxanduva lokugcina
iirekhodi, kodwa ukususela ngo-2027 ukuza phambili, kuya kubakho

41
00:04:00,752 --> 00:04:03,599
umda wemali engaphezulu kwe-€10,000 kulo lonke elaseYurophu.

42
00:04:03,599 --> 00:04:04,360
Yiyo leyo isihloko.

43
00:04:04,360 --> 00:04:07,360
Amazwe asele engaphantsi kwelo nqanaba anganakho ukuligcina.

44
00:04:07,360 --> 00:04:10,520
Ungamisela umda wemali ongaphantsi
kwe-£10,000 nangaliphi na ixesha.

45
00:04:10,520 --> 00:04:15,039
Kwaye uyichaza njani into yokuba kusekho
ulwazi oluncinci kangako ngale ngxaki kule ndawo?

46
00:04:15,039 --> 00:04:18,839
Ingaba abemi abakayazi okwangoku
imingcipheko ekujongene nemali yabo?

47
00:04:18,839 --> 00:04:20,920
Ngokuqinisekileyo hayi.

48
00:04:20,920 --> 00:04:25,240
Ndisandul' ukubuya kuhambo olude kakhulu lweentetho.

49
00:04:25,240 --> 00:04:28,000
Ukususela ngoJanyuwari,
bendihamba kuphela ndinikezela ngeentetho.

50
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Xa ndithetha iiyure ezimbini malunga neendlela zokusebenza
zokupheliswa kwemali engxoweni, abantu abaninzi bathi:

51
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Bendiyazi ukuba yingxaki, kodwa
andizange ndiqonde ukuba ibangxabano kangaka.

52
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Kodwa xa uphulaphula iDeutsche Bundesbank,
yonke into ibonakala ilungile ngokugqibeleleyo.

53
00:04:43,120 --> 00:04:46,839
Basiqinisekisa ukuba kukho imali
eyaneleyo nokuba ukuqhubeka kwayo kukhuselekile.

54
00:04:46,839 --> 00:04:51,439
Ngokubanzi, kuthathelwa ingqalelo
kuphela oko kuthiwa kufunwa ngabantu.

55
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Sikulungiselele isishwankathelo esincinci.

56
00:04:53,560 --> 00:04:59,720
Ehlotyeni elidlulileyo, ndikholelwa ukuba wawungundwendwe
kwi-Südwestrundfunk, umsakazi woluntu waseJamani ongowakwa-ARD.

57
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Yiyo kanye leyo ibiyindaba.

58
00:05:01,160 --> 00:05:03,939
Mhlawumbi siza kuphinda sijonge ngokukhawuleza.

59
00:05:06,720 --> 00:05:09,439
Kulungile, ndinomndwendwe ofanelekileyo
kanye apha estudiyo oza kuphendula loo mbuzo.

60
00:05:09,439 --> 00:05:10,439
U-Stefan Hardt usinye nathi.

61
00:05:10,439 --> 00:05:13,560
Uyintloko yeCandelo loMbane ePhakathi eBundesbank.

62
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Ubusuku obuhle.

63
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Ubusuku obuhle.

64
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Nina, iBundesbank, iza kuqhubeka
ixesha elingakanani isinika imali entsha?

65
00:05:19,319 --> 00:05:23,120
Logama nje abemi befuna ukusebenzisa imali engxoweni.

66
00:05:23,120 --> 00:05:27,360
Ingaba oko kusebenza kuwo onke
amaphepha-mali, nakuzo zonke izingcango?

67
00:05:27,360 --> 00:05:28,480
Ewe, kunjalo.

68
00:05:28,480 --> 00:05:35,439
Ngokwenene, uninzi olukhulu lwabemi luthi
lufuna ukuba nokhetho lokuhlawula ngemali engxoweni.

69
00:05:35,439 --> 00:05:39,120
Loo nto imalunga nama-93 ekhulwini abemi abayifunayo.

70
00:05:39,120 --> 00:05:40,800
Kwaye ayingabo bonke abenza oko.

71
00:05:40,800 --> 00:05:44,759
Kodwa baya kuthanda ubuncinci ukuba nebhongo lokuhlawula ngemali.

72
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Kwaye logama nje abantu befuna ukuhlawula
ngemali engxoweni, siya kuqhubeka siyibonelela.

73
00:05:51,279 --> 00:05:54,279
Abathandi bemali ngoku bangaphefumla.

74
00:05:54,279 --> 00:05:56,879
Ndivakalisa isisindo siphakanyiswa emagxeni akho, Mnu Stützle?

75
00:05:56,879 --> 00:06:06,000
Hayi kwaphela, kuba kucacisiwe ngokucacileyo: logama
nje kukho imfuno, iDeutsche Bundesbank iza kuyigcina.

76
00:06:06,000 --> 00:06:07,399
Yiyo ke leyo ingxaki ipheleleyo.

77
00:06:07,399 --> 00:06:11,240
Ungafuna nokuchaza ukuba yintoni imfuno.

78
00:06:11,240 --> 00:06:13,240
Isilinganiso sentlawulo ngemali mayibe phezulu kangakanani?

79
00:06:13,240 --> 00:06:19,319
Ke ngoko, ekugqibeleni, kuxhomekeke kuthi thina njengabemi ukuba
sigqibe – ngaba sihlawula ngetshathi okanye ngemali engxoweni?

80
00:06:19,319 --> 00:06:21,720
Ngokwenene yile nto siyithethayo
apha malunga neentlawulo ngamakhadi.

81
00:06:21,720 --> 00:06:25,680
Ndivumelana nokupheliswa kwemali,
okanye ndivumelana nokugcinwa kwemali.

82
00:06:25,680 --> 00:06:29,680
Ngoko ke, le yingongoma ebaluleke
kakhulu ekufuneka siyithathele ingqalelo apha.

83
00:06:29,680 --> 00:06:40,160
Kwaye ngelishwa, abemi abasenayo imali engxoweni ngenxa
yokuba uqoqosho sele lutshintshe lwayengayifuni imali.

84
00:06:40,160 --> 00:06:44,040
Ngoko ke oko kuthetha ukuba ngoku kukho
abathengisi apha eJamani abala ukwamkela imali engxoweni.

85
00:06:44,040 --> 00:06:49,800
Kwaye siyazi ukuba, ngesiseko esinjalo,
imali ayinathuba lokusinda ekuhambeni kwexesha.

86
00:06:49,800 --> 00:06:57,459
Kuba uqoqosho luyagqiba ukuba thina,
njengabemi, sinethuba lokuhlawula ngemali engxoweni.

87
00:07:02,720 --> 00:07:08,399
Ewe, ndicinga ukuba ibhanki ibingabonakali
yonwabile xa ubusitsho eso sigaba sokugqibela, akunjalo?

88
00:07:08,399 --> 00:07:10,160
Ewe, ayisiyiyo kanye le nto ebeyiqonda.

89
00:07:10,160 --> 00:07:14,560
Maxa wambi ndiva ngathi iDeutsche Bundesbank
inoxanduva lokusoloko iqinisekisa abantu, ibaqinisekisa:

90
00:07:14,560 --> 00:07:16,360
Imali ikhuselekile.

91
00:07:16,360 --> 00:07:21,040
Kodwa ekugqibeleni, bayidibanisa nemfuno.

92
00:07:21,040 --> 00:07:28,680
Ndabuza umbuzo: I-Deutsche Bundesbank iqonda
ntoni ngokuthi 'demand' – kwaye akaphendulanga.

93
00:07:28,680 --> 00:07:34,399
Kukho nje indlela ethile ebandakanyekayo ekuphelisweni
kwemali engxoweni, endingathanda ukuyicacisa kancinci.

94
00:07:34,399 --> 00:07:36,000
Sikwulungiselele nomzobo woku.

95
00:07:36,000 --> 00:07:37,720
Leyo yingongoma ebaluleke kakhulu.

96
00:07:37,720 --> 00:07:43,000
Kunjalo, ezi ziko ziyayisusa imali engxoweni.

97
00:07:43,000 --> 00:07:48,160
Kwaye ndizama ukucacisa into edla ngokundithatha iiyure ezimbini.

98
00:07:48,160 --> 00:07:50,879
Ndiza kuzama oko ngemva kwemizuzu emihlanu.

99
00:07:50,879 --> 00:07:51,680


100
00:07:51,680 --> 00:07:53,279
Ixesha liyaphela, kulungile.

101
00:07:53,279 --> 00:07:59,160
Ngoko ke, kwicala lasekhohlo, sibona ukuba kufuneka
kumiselwe iziseko ezingundoqo zentlawulo ezingenamali.

102
00:07:59,160 --> 00:08:03,560
Yayiyiprojekthi enkulu kakhulu
eyathatha amashumi eminyaka ukugqitywa.

103
00:08:03,560 --> 00:08:07,079
EJamani, ubuncinci, kunokuthiwa igqibelele.

104
00:08:07,079 --> 00:08:09,519
Kwaye apha e-Austria, mhlawumbi
kungekakabi kwiindlwana zasentabeni.

105
00:08:09,519 --> 00:08:12,079
Ngaphandle koko, iziseko zikhona.

106
00:08:12,079 --> 00:08:14,879
Loo nto sele igqityiwe.

107
00:08:14,879 --> 00:08:21,040
Kwicala lasekunene, sibona ukuba ukuthengisa kunye
nokuxhaswa kwesandi kwenzeka ngokwendalo ngokuthengisa.

108
00:08:21,040 --> 00:08:28,160
Kutyaliwe izibhiliyoni ekukhuthazeni iintlawulo zedijithali.

109
00:08:28,160 --> 00:08:34,399
Kwaye abantu abaninzi ekugqibeleni bangena
kule nkqubo bengacinganga kakhulu ngayo.

110
00:08:34,399 --> 00:08:40,840
Into ekwadanisayo kancinci kukuba kwaphunyezwa
naphakathi iphulo lokuthengisa elalichasene nemali.

111
00:08:40,840 --> 00:08:46,279
Ngelishwa, siqaphele oku ngexesha lobhubhane
we-coronavirus, xa kwakubekwe iimpawu ezivenkileni:

112
00:08:46,279 --> 00:08:50,519
Ngenxa yezizathu zococeko, nceda
ungahlawuli ngemali engxoweni, njl.

113
00:08:50,519 --> 00:08:57,960
Kwaye abantu abaninzi bakholelwa kuloo
nto baza ke bangena kwinkqubo yedijithali.

114
00:08:57,960 --> 00:09:01,919
Emva koko sinomxholo: ukwaliwa kwemali yelizwe.

115
00:09:01,919 --> 00:09:04,080
Lo ngumxholo onempikiswano kakhulu.

116
00:09:04,080 --> 00:09:09,159
Imali ngokwenene ifakwe emthethweni
kwimithetho emithathu enamandla kakhulu:

117
00:09:09,159 --> 00:09:19,239
Enyanisweni kuMthetho weBundesbank; ifakwe ngokusesikweni kwiSiga
se-ECB nakwiSivumelwano se-EU ngendlela yokuba inelungelo

118
00:09:19,239 --> 00:09:24,960
lokuba yimali esemthethweni kwaye kufuneka yamkelwe kurhwebo.

119
00:09:24,960 --> 00:09:31,840
Oku kwaqaliswa ngo-2010 sisindululo
seKomishoni – ngesizathu senkululeko yesivumelwano

120
00:09:31,840 --> 00:09:35,600
sokuba abathengisi banokwala imali engukheshi.

121
00:09:35,600 --> 00:09:40,279
Ngoko ke, bakuthatha ukukhululeka kwesivumelwano
kwezoshishino norhwebo njengento ebaluleke ngakumbi.

122
00:09:40,279 --> 00:09:43,399
Oku kukwangqinwe yiDeutsche Bundesbank.

123
00:09:43,399 --> 00:09:47,480
Sikwathethe ngale nto kudliwano-ndlebe.

124
00:09:47,480 --> 00:09:52,879
Oku kuyagqabhuka, kuyingozi kakhulu, kuba olu
hlalutyo luthetha ukuba ngoku yinyani yokuba

125
00:09:52,879 --> 00:09:56,240
abathengisi bavumelekile ukwala imali engukheshi.

126
00:09:56,240 --> 00:10:01,823
Oku kuthetha ukuba thina, njengabemi, asisenayo imali esandleni –
oko kukuthi, inkululeko yokuzikhethela –

127
00:10:01,823 --> 00:10:07,039
kodwa ngoku yintlangano yezomnotho egqibayo ukuba
sivunyelwe na ukuhlawula ngemali okanye hayi.

128
00:10:07,039 --> 00:10:09,000
Yinyaniso leyo.

129
00:10:09,000 --> 00:10:15,519
Emva koko sinomnye umba, oyiwutshilo wokwaziswa kwe-e-euro.

130
00:10:15,519 --> 00:10:20,720
I-e-euro kulindeleke ukuba ingene
kwisigaba sayo sesithathu ngo-Okthobha walo nyaka.

131
00:10:20,720 --> 00:10:25,440
Kukho ummiselo ocetywayo we-e-euro,
oko kukuthi, umthetho osayilwayo.

132
00:10:25,440 --> 00:10:33,720
Ipalamente ye-EU kulindeleke ukuba
ithathe isigqibo ngale nto ngo-Okthobha.

133
00:10:33,720 --> 00:10:39,418
Kwaye ke kusenokwenzeka ukuba kwiminyaka elandelayo enye,
emibini, okanye emithathu, siza kuba

134
00:10:39,418 --> 00:10:46,159
nomkhuphisani othe ngqo wemali ekhawuntareni, kuloo
ndawo kuthengiswa kuyo, oko kukuthi, kwezorhwebo.

135
00:10:46,159 --> 00:10:48,279
Kwaye oko kubangela yonke into, ewe kunjalo.

136
00:10:48,279 --> 00:10:57,799
Ezi zithintelo zintathu zenza abemi batyhalelwe
ngakumbi kule nkqubo baze baqheliswe ukuhlawula ngedijithali.

137
00:10:57,799 --> 00:11:01,720
Kwaye ngoku nantsi – kwaye le yeyona nto ibalulekileyo.

138
00:11:01,720 --> 00:11:06,559
– oko kukuthi, "umlinganiselo
wentlawulo ngemali" ligama elibaluleke kakhulu.

139
00:11:06,559 --> 00:11:15,679
I-Deutsche Bundesbank ikwathe
kudliwanondlebe apha ukuba bayayidibanisa kunyango.

140
00:11:15,679 --> 00:11:19,360
Njengoko benditshilo, ndabuza iDeutsche
Bundesbank ukuba ithetha ntoni ngokuthi 'demand'.

141
00:11:19,360 --> 00:11:22,480
Ngokwezibalo zam, yiphesenti elishumi elinesihlanu.

142
00:11:22,480 --> 00:11:24,840
Umntu angaphikisana phakathi kwe-10 ne-15 pesenti.

143
00:11:24,840 --> 00:11:29,600
Kulapho iziseko zemali ziqala ukubiza kakhulu kakhulu.

144
00:11:29,600 --> 00:11:34,000
Emva koko kusebenza le nto kuthiwa "ngumgaqo wokulingana":

145
00:11:34,000 --> 00:11:42,919
Ingaba iziseko zophuhliso zibiza kakhulu ngokungqinelana
nendlela abantu abasebenzisa ngayo imali – ze ke ziwe.

146
00:11:42,919 --> 00:11:50,863
Okwangoku sinemeko apho umlinganiselo wokuhlawula ngemali
engxoweni eJamani uyawa nge-4 pesenti

147
00:11:50,863 --> 00:11:58,919
ngonyaka, okanye i-3.8 pesenti iyonke – kodwa
ndiyinyusa ndiyibeka kwi-4 pesenti – ngonyaka.

148
00:11:58,919 --> 00:12:05,550
Xa kuza kwaziswa i-e-euro, oku kuza kunyuka kakhulu kwaye
ngokukhawuleza sizakuzifumana sikwimeko efanayo nezinye iindawo,

149
00:12:05,550 --> 00:12:10,062
ezifana neSweden, njalo njalo, apho
iintlawulo ngekheshana zisenokuba zi-10% okanye

150
00:12:10,062 --> 00:12:12,399
i-15% kuphela yazo zonke iintengiselwano.

151
00:12:12,399 --> 00:12:17,039
Emva koko, ngelishwa, imali iyaphelelwa lixesha
ngenxa yezizathu endizichaze ngokufutshane

152
00:12:17,039 --> 00:12:20,519
apha, nto leyo edla ngokundithatha iiyure ezimbini.

153
00:12:20,519 --> 00:12:25,892
Into endingathanda ukuyazi yile: Ukuhamba
ngokubanzi kwe-cryptocurrencies kuyichaphazela

154
00:12:25,892 --> 00:12:28,639
njani indlela yokuhlawula ngemali engxoweni?

155
00:12:28,639 --> 00:12:33,806
Baya besanda ababoneleli abasebenzisa
i-crypto – ngoko ke mhlawumbi isekwisigaba sayo

156
00:12:33,806 --> 00:12:36,480
sokuqala, ubuncinci kurhwebo lwe-intanethi.

157
00:12:36,480 --> 00:12:40,708
Kodwa kwiintengiselwano nge-cash, kwintengiso,
ingaba sele kunokwenzeka kwiimeko ezithile eJamani

158
00:12:40,708 --> 00:12:42,120
ukuba umntu ahlawule into ngeBitcoin, umzekelo?

159
00:12:42,120 --> 00:12:44,879
Xa uphuma uyokutya ipitsa, hlawula nge-crypto.

160
00:12:44,879 --> 00:12:48,420
Ingaba oku kungabangela esinye isisongelo
kwimali engxoweni, ecaleni kweendlela

161
00:12:48,420 --> 00:12:51,080
zentlawulo zedijithali ezikhutshwe ziibhanki zelizwe?

162
00:12:51,080 --> 00:12:52,279
Ngokubanzi kuncinci.

163
00:12:52,279 --> 00:12:55,919
Ngoko ke, xa kuziwa kwiindlela
zokuhlawula, kufuneka wahlule kancinci.

164
00:12:55,919 --> 00:12:57,799
Kumalunga nokutyala imali:

165
00:12:57,799 --> 00:13:03,519
Ngoko ke xa kukho ukuguquguquka okuphezulu
, ayifanelekanga ngokwenene kwiintlawulo.

166
00:13:03,519 --> 00:13:10,679
Abantu abafuni ukusebenzisa into
njengesihlawulelo xa ikwingqikelelo enzulu.

167
00:13:10,679 --> 00:13:15,720
Ngoko ke, mhlawumbi kumalunga
nokutyala imali okanye yindlela yokuhlawula.

168
00:13:15,720 --> 00:13:21,320
Indlela entle yokuhlawula ayinantshukumo, oko
kukuthi, ayitshintshi-tshintshi ngexabiso, njl.

169
00:13:21,320 --> 00:13:24,542
Ngoko ke ngokwembono yangoku – siza kubona
ukuba izinto zihamba njani

170
00:13:24,542 --> 00:13:27,399
nge-cryptocurrencies – andiboni nayiphi na ingozi kuloo nto.

171
00:13:27,399 --> 00:13:31,480
I-e-euro eneneni yingozi enkulu kakhulu.

172
00:13:31,480 --> 00:13:36,279
I-e-euro iza kunikwa ilungelo lokuba
yimali esemthethweni, njalo njalo.

173
00:13:36,279 --> 00:13:39,840
Andifuni kuchaza yonke into ngoku, yinkimbinkimbi kakhulu.

174
00:13:39,840 --> 00:13:44,840
Umxholo onomdla kakhulu. Into eza
kuthakazelisa ngokuqinisekileyo ababukeli abaninzi:

175
00:13:44,840 --> 00:13:45,799
Kutheni abantu besenza lonto?

176
00:13:45,799 --> 00:13:49,440
Kutheni kanye kanye imali incitshiswa?

177
00:13:49,440 --> 00:13:51,600
Ngaba yimbuza nje yokulula?

178
00:13:51,600 --> 00:13:57,700
Okanye uyibona ngokucacileyo le njengenxalenye yecebo
elijolise ekugqibeleni ekwenzeni abemi babe maxhomeke

179
00:13:57,700 --> 00:14:01,879
kwaye bahluthwe amalungelo abo, umzekelo ngolawulo loluntu?

180
00:14:01,879 --> 00:14:04,697
Ingaba akuyi kufika ixesha apho kuya kuba lula kakhulu
ngokwendalo ukulawula ukufikelela kwiindlela

181
00:14:04,697 --> 00:14:06,759
zokuhlawula nge-elektroniki kunokuba kunjalo ngemali engxoweni?

182
00:14:06,759 --> 00:14:11,842
Yiyo loo nto abantu besithi, "Imali yinkululeko eprintiweyo,"
kwaye imali ye-elektroniki, ewe, ngokungenakuphepheka

183
00:14:11,842 --> 00:14:14,120
ithintelwe ekufikelelweni ngaphandle, masithi.

184
00:14:14,120 --> 00:14:16,519
Ingaba seso isizathu esingemva kwaso?

185
00:14:16,519 --> 00:14:18,399
Kulungile, zininzi izizathu, ewe.

186
00:14:18,399 --> 00:14:23,519
Kufuneka uqwalasele umba we "Cui
Bono", oko kukuthi, ngubani oxhamlayo kuko?

187
00:14:23,519 --> 00:14:26,320
Kwaye ke, ngokuqinisekileyo, ufika kwizimpendulo ezithile.

188
00:14:26,320 --> 00:14:32,559
Mna ngokwam andiyibanzi le ngongoma kuba eneneni
iyaphazamisa kwingongoma ephambili ngandlela ithile.

189
00:14:32,559 --> 00:14:39,480
Into endithetha ngayo ngokwenene yimigaqo nezakhiwo ezingasemva
kokupheliswa kwemali, nangasemva kwale meko ijikelezayo.

190
00:14:39,480 --> 00:14:48,200
Kuyinto efihlakeleyo kakhulu kunoko:
udala imeko yemali engakwaziyo ukusinda.

191
00:14:48,200 --> 00:14:52,759
Oku kuthetha ukuba imali ngoku ihlaselwa.

192
00:14:52,759 --> 00:14:56,240
Kwelinye icala, kunokwaliwa yinkqubo yoqoqosho.

193
00:14:56,240 --> 00:15:05,879
Kodwa into emangalisa nangakumbi, ngokoluvo lwam, kukuba
urhulumente ungenelela ngakumbi nangakumbi ngokwala imali.

194
00:15:05,879 --> 00:15:09,480
Ndithetha ngeJamani kuba ndiyazi kancinci ngakumbi ngayo.

195
00:15:09,480 --> 00:15:14,240
Umzekelo, amachibi okuqubha akasamkeli mali engxoweni,
kwaye namachibi okuqala angaphandle akasamkeli mali engxoweni.

196
00:15:14,240 --> 00:15:22,000
Ukuba iindawo zokupaka iimoto azisamkeli mali
engxoweni, kwaye kwanamaziko karhulumente akwasenjalo.

197
00:15:22,000 --> 00:15:30,759
EDüsseldorf, umzekelo, kukho imeko apho zonke iiofisi
zabemi zingenayo imali – ngaphandle kwenye, ekwisisitimela.

198
00:15:30,759 --> 00:15:34,039
Loo nto iyingozi kakhulu kuba awunakuyiphepha kwaphela.

199
00:15:34,039 --> 00:15:44,240
Oku kuthetha ukuba abemi bayanyanzeliswa ngakumbi ukuba
bangene kule nkqubo, nto leyo eyingozi kakhulu kakhulu.

200
00:15:44,240 --> 00:15:51,320
Oku kuthetha ukuba, ekugqibeleni, kufuneka
urhulumente anyanzelwe ukuba amkele kwakhona imali engxoweni.

201
00:15:51,320 --> 00:15:56,080
Ndimane ndibuza lo mbuzo malunga nomxholo
wesiganeko esithi 'Abemi Abanoxanduva'.

202
00:15:56,080 --> 00:16:00,220
Kuba into enye icacile: ukuba awusabhatali ngemali
engxoweni, nokuba uhlawula njani ngendlela

203
00:16:00,220 --> 00:16:02,639
yobugcisa, ekugqibeleni ayiseyiyo intlawulo engaziwayo.

204
00:16:02,639 --> 00:16:03,600
Ewe, ngokuqinisekileyo.

205
00:16:03,600 --> 00:16:04,039
Yiloo nto kanye.

206
00:16:04,039 --> 00:16:05,480
Imali yeyona ndlela yokuhlawula engachaziyo umntu.

207
00:16:05,480 --> 00:16:08,017
Ndingaya naphi na, ndingahlawulela nantoni
na. Akukho mntu undibuza ukuba ndingubani.

208
00:16:08,017 --> 00:16:09,559
Bathatha imali yam kwaye abanakho umdla kum.

209
00:16:09,559 --> 00:16:15,720
Xa ndihlawula ngekhadi, phantse yonke ifoliyo yam, yonke
imbali yam yezemali, ihanjiswa kunye neentlawulo, masithi.

210
00:16:15,720 --> 00:16:21,679
Ukusuka apho ndikhoyo ngoku, ukuya kwinto
eyenzekayo kwi-akhawunti yam, nento endiyenzayo.

211
00:16:21,679 --> 00:16:27,706
Yiyo loo nto ndabuza ukuba injongo esisiseko ibingacacanga
kakuhle na: ukuseka uhlobo lolawulo olupheleleyo apha,

212
00:16:27,706 --> 00:16:34,600
apho abemi banokulandelwa ngurhulumente ngempumelelo
ngamaxesha onke nakuzo zonke iindawo kwaye benziwa abelubala.

213
00:16:34,600 --> 00:16:37,440
Kulungile, ndingathanda ukuyiyeka ivulekile okwangoku.

214
00:16:37,440 --> 00:16:42,504
Kodwa into enye endinokuyithetha ngokuqinisekileyo:
uluntu olukhululekileyo luyadinga ngokupheleleyo

215
00:16:42,504 --> 00:16:46,539
inkqubo yokuhlawula ekhululekileyo engenakubekwa esweni.

216
00:16:55,399 --> 00:17:00,915
Kwaye yonke into edijithali,
ngokuqinisekileyo, inokulandelwa lula kakhulu. Enyanisweni,

217
00:17:00,915 --> 00:17:04,160
uluntu luqala ukuba luthimba kwaye luthobeke.

218
00:17:04,160 --> 00:17:14,559
Ngoko ke, ukuba esi siganeko besihlawulelwa nge-intanethi
kuphela namhlanje, bekuya kurekhodwa ukuba ulapha namhlanje.

219
00:17:14,559 --> 00:17:20,680
Ngokwethiyori, kunokwenzeka ukuba nawe ngoku uye
waba okanye umiselwe ukuba 'persona non grata'.

220
00:17:20,680 --> 00:17:23,539
Ndicinga ukuba sonke sikhona.

221
00:17:25,079 --> 00:17:29,039
Hayi, ngethamsanqa andikabikho. Kufuneka
ndinyaniseke ngokupheleleyo ngaloo nto.

222
00:17:29,039 --> 00:17:37,279
Ewe, andizange ndihlaselwe kwaphela de kwaba nguJanuwari
kuba bendixoxa yonke into ngokusekelwe kwinto enyani.

223
00:17:37,279 --> 00:17:43,017
Kodwa ukusukela kuhambo lwam lokugqibela
lweentetho, ngelishwa, iye yaqala, kwaye ayisekelwanga

224
00:17:43,017 --> 00:17:46,400
kwiinyaniso, kodwa kunoko izinto ziyongezwa ebalisweni.

225
00:17:46,400 --> 00:17:49,640
Kwaye kuyingozi kakhulu-kakhulu,
nto leyo endiyibona ilusizi kancinci.

226
00:17:49,640 --> 00:17:50,279
Ngokuqinisekileyo.

227
00:17:50,279 --> 00:17:53,240
Kwaye yiyo loo nto kubalulekile ukuba ubonise
yonke into ngale ndlela isekelwe kwinyaniso.

228
00:17:53,240 --> 00:17:56,400
Oku kukwenza ungahlaseleki, kwaye akukho mntu unokuphikisa oko.

229
00:17:56,400 --> 00:18:01,799
Konke oku kusekelwe kwiinyaniso ezingathandabuzekiyo,
yiyo loo nto isisibonelelo esibaluleke kakhulu kule ngxoxo.

230
00:18:01,799 --> 00:18:03,480
Ngoko ke, enkosi kakhulu kwakhona.

231
00:18:03,480 --> 00:18:05,579
Enkosi.

232
00:18:08,480 --> 00:18:12,925
Sitshintshe kancinci ucwangciso ukuze
luhambelane nezihloko, ngoko ke ngoku ndingathanda

233
00:18:12,925 --> 00:18:16,900
ukucela uMnu. Stützle ukuba aphinde adibane nam.

234
00:18:24,480 --> 00:18:28,799
Ewe, into oyithethileyo ngaphambili
malunga nemali isesentsha engqondweni yam.

235
00:18:28,799 --> 00:18:31,599
Lelo lixesha apho umahluko wexesha
phakathi kweentetho ezimbini umfutshane kakhulu.

236
00:18:31,599 --> 00:18:37,440
Yiyo loo nto utshintsho olusingisa kwinxalenye yesisombululo
lulula kakhulu apha, kuba siqhubeka ngaphandle kwengxaki.

237
00:18:37,440 --> 00:18:41,519
Ngoko ke ingxaki yile, njengoko besitshilo
ngaphambili, imali ikwimeko exineneyo ngokwandayo.

238
00:18:41,519 --> 00:18:46,229
Kwaye ngoku umbuzo obalulekileyo: yintoni esinokuyenza
ngabanye, yintoni umntu ngamnye kuthi anokuyenza ukuthintela

239
00:18:46,229 --> 00:18:50,279
imali ukuba inganyamalali okanye ingashiywe ngasemva?

240
00:18:50,279 --> 00:18:57,079
Ewe, umbuzo omfutshane, impendulo ende: kunzima kakhulu.

241
00:18:57,079 --> 00:19:07,200
Ngokwenene sinemeko apho, okokuqala, uqoqosho
lunokwala imali, kwaye, okwesibini, urhulumente wala imali.

242
00:19:07,200 --> 00:19:13,559
Kanti ke, kuphela kwemali ekhutshwe
ngurhulumente kuphela yileyo ikhasi!

243
00:19:13,559 --> 00:19:21,839
Kwaye urhulumente waleli ilizwe akwamkeli
mali yakhe. Oko ngokwako sele kungumzuzu.

244
00:19:21,839 --> 00:19:29,920
Kule minyaka imbalwa idlulileyo, bendikruqukile
ixesha elide kuba imali sele ingabalulekanga kwaphela.

245
00:19:29,920 --> 00:19:35,400
Imali ayizimiselanga,
ngokwezibalo ezivela kwiDeutsche Bundesbank.

246
00:19:35,400 --> 00:19:43,255
Iinkcukacha-manani zamva nje zapapashwa ngo-2023.
Ngokomlinganiselo wentlawulo ngemali engxoweni eJamani,

247
00:19:43,255 --> 00:19:48,640
i-51 pesenti yeemveliso isahlawulelwa ngemali engxoweni.

248
00:19:48,640 --> 00:19:51,839
Iyancitshiswa ngepesenti ezine ngonyaka.

249
00:19:51,839 --> 00:19:56,640
Oko kuthetha ukuba ngoku,
ngo-2025, sisemalunga nama-43 ekhulwini.

250
00:19:56,640 --> 00:20:04,693
Ukuba umkhuphisani oqondileyo we-e-euro wongezwa koku,
ngoko ke ngonyaka ka-2030 sinokukhawuleza sibone iintlawulo

251
00:20:04,693 --> 00:20:09,039
ngekheshini zihla ziye kwi-15 pesenti okanye ngaphantsi.

252
00:20:09,039 --> 00:20:11,279
Yaye yiyo kanye leyo ingxaki ipheleleyo.

253
00:20:11,279 --> 00:20:17,480
Nam ndandikruquke kakhulu kuba kwakungekho kwaphela
umnqweno wezopolitiko wokukhusela imali ngomthetho.

254
00:20:17,480 --> 00:20:20,559
I-Cash idinga ngokupheleleyo ukhuselo olusemthethweni!

255
00:20:20,559 --> 00:20:27,160
Kwaye esinye isikhuselo esisemthethweni kukuba siza kuphinda
sibe nenkululeko yokukhetha ukuhlawula ngemali engxoweni.

256
00:20:27,160 --> 00:20:32,279
Ukuba ekugqibeleni ibuyela ezandleni zabemi.

257
00:20:32,279 --> 00:20:36,242
Ukuze kufezekiswe oku, ngokwenene sidinga
umgaqo-nkqubo 'wokwamkelwa

258
00:20:36,242 --> 00:20:40,039
okunyanzelekileyo' kurhwebo nakwii-arhente zikarhulumente.

259
00:20:40,039 --> 00:20:49,640
Ukususela ngoku – kwaye namhlanje sithetha ngabemi
abanoxanduva – abemi ekugqibeleni banethuba lokuphinda bavote.

260
00:20:49,640 --> 00:20:53,940
Ngoko ke sidinga kwakhona inkululeko
yokuzikhethela, kwaye ndicinga ukuba oko kubalulekile.

261
00:21:00,279 --> 00:21:05,440
Akukabikho mbilini yezopolitiko nanamhlanje.

262
00:21:05,440 --> 00:21:13,160
Kodwa kuvele ithuba elikhethekileyo lokumisa imali ngokomthetho.

263
00:21:13,160 --> 00:21:21,880
Asikokuba kunqweneleka kwezopolitiko, kodwa kungenxa
yokuba abo banamandla kunye neempolitiki bafuna enye into.

264
00:21:21,880 --> 00:21:23,960
Bafuna i-e-euro.

265
00:21:23,960 --> 00:21:24,279
Kunyanzelekile.

266
00:21:24,279 --> 00:21:28,960
Bayaqhubeka nayo – yindlela ekubonakala ngayo okwangoku.

267
00:21:28,960 --> 00:21:39,599
Yiyo loo nto kupapashwe "ummiselo ocetywayo"
we-e-euro kwaye bafuna i-e-euro ibe yimali esemthethweni.

268
00:21:39,599 --> 00:21:47,493
Oku kuthetha ukuba banyanzelekile ukuba bakhuphe ummiselo
ocetywayo wemali engxoweni ngosuku olunye. Oku kungenxa yokuba

269
00:21:47,493 --> 00:21:51,480
imali engxoweni okwangoku yiyo kuphela imali esemthethweni.

270
00:21:51,480 --> 00:21:55,813
Ngoko ke oko kuthetha ukuba, ngokuphikisanayo,
ukwaziswa kwe-e-euro ekuqaleni kuya kukhusela kwaye

271
00:21:55,813 --> 00:21:59,319
kuqinisekise imali engqesho, ngokwendlela yokuthetha?

272
00:21:59,319 --> 00:22:00,801
Hayi, konke konke.

273
00:22:00,801 --> 00:22:06,647
Ngoko ke ngesiqhelo kungakuhle. Singakubona apha ngoku.

274
00:22:06,647 --> 00:22:11,360
Ngokomthetho osayilwayo, i-e-euro iza
kwamkelwa njengemali esemthethweni ezivenkileni

275
00:22:11,360 --> 00:22:14,920
– ubuncinci ngokwesivumelwano esisayilwayo.

276
00:22:14,920 --> 00:22:18,440
Ewe, kodwa kungenxa yokuba uthe banyanzelwa
ukuba bafake naloo nto enye kuloo mthetho.

277
00:22:18,440 --> 00:22:20,799
Ngoko ke zombini ziqinisekisiwe kumgaqo-nkqubo, akunjalo?

278
00:22:20,799 --> 00:22:22,713
Hayi, kukho imimiselo emibini ecetywayo.

279
00:22:22,713 --> 00:22:29,834
Kukho imimiselo emibini ecetywayo –
enye ye-e-euro nenye yemali engxoweni.

280
00:22:29,834 --> 00:22:32,440
Leyo yingongoma ebaluleke kakhulu.

281
00:22:32,440 --> 00:22:36,501
Kuyathakazelisa ukuqaphela ukuba ummiselo
ocetywayo malunga nemali engxoweni

282
00:22:36,501 --> 00:22:39,440
awunyanzelisi ukuba imali engxoweni yamkelwe kurhwebo.

283
00:22:39,440 --> 00:22:41,480
Ubuncinci yiloo nto ethethwayo.

284
00:22:41,480 --> 00:22:44,542
Loo nto ngokwayo ayinangqondo.

285
00:22:44,542 --> 00:22:50,347
Oku kuthetha ukuba kwixesha elizayo siza kuba nemali
ezimbini ezahlukeneyo ezisemthethweni – i-e-euro

286
00:22:50,347 --> 00:22:54,318
kunye nenye enethuba elincinci, kanye imali engamaphepha.

287
00:22:54,318 --> 00:22:58,444
Kwaye yonke into, njengesiqhelo ngokupheliswa
kwemali engxoweni, yenzeka ngamabona-ndenzile.

288
00:22:58,444 --> 00:23:04,230
IKhomishini yaseYurophu izele ngamagqwetha,
iingcali zezoqoqosho kunye nabalawuli bamashishini.

289
00:23:04,230 --> 00:23:11,559
Kwaye kwenzeka ukuba benze impazamo, yile:
imali – akukho nyanzeliso yokuyamkela ezivenkileni.

290
00:23:11,559 --> 00:23:14,006
Ewe, oko kumangalisa kakhulu, ndicinga.

291
00:23:14,006 --> 00:23:21,781
Kodwa ngoku sinethuba, elikukuba sithathe amanyathelo.

292
00:23:21,781 --> 00:23:25,994
Ucango luza kuvalwa kwakhona kwiinyanga ezizayo.

293
00:23:25,994 --> 00:23:33,185
Loo mali ikwangqinwa njenge-e-euro, kwaye kuya
kuba nyanzeliso kubathengisi ukuba bayamkele.

294
00:23:33,185 --> 00:23:36,960
Oku kubaluleke kakhulu, kubaluleke kakhulu.

295
00:23:36,960 --> 00:23:43,453
Ngoku kufuneka sicinezele kakhulu abenzi
bezigqibo ukuqinisekisa ukuba nolu lukuzo lwabantu.

296
00:23:43,453 --> 00:23:47,841
Ngoko ke ndenze isicelo ngenjongo yale nto.

297
00:23:47,841 --> 00:23:56,640
Le yipetishoni ekwi-www.bargelderhalt.eu,
esinazo kuyo ngoku iisayini eziyi-126,000.

298
00:23:56,640 --> 00:23:59,039
Ingxaki yile, ayonelanga.

299
00:23:59,039 --> 00:24:04,811
Kufuneka siqinisekise ukuba imele abemi.

300
00:24:04,811 --> 00:24:09,558
Ngoko ke ndicela nje – kwaye oku kukubongoza
uncedo namhlanje – ukuba usayine le

301
00:24:09,558 --> 00:24:12,609
petishoni, uze uyidlulisele kwabanye, njalo njalo.

302
00:24:12,609 --> 00:24:18,674
Xa sasungula isicelo-mbekiselo, sathumela
inqaku lasemaphephandabeni kumaphephandaba

303
00:24:18,674 --> 00:24:23,085
angama-350. Kwaye safumana iimpendulo ezintathu kuphela.

304
00:24:23,085 --> 00:24:27,713
Kwaye impendulo yaba: Nceda
ungaphindi usibhalele kwixesha elizayo.

305
00:24:27,713 --> 00:24:30,440
Oko, ewe kona, luphawu lokuba izinto zimbi kakhulu.

306
00:24:30,440 --> 00:24:35,158
Kanti ke, sifumene iivoti eziyi-126,000 ukuza kuthi ga ngoku.

307
00:24:35,158 --> 00:24:38,537
Kodwa sidinga ubuncinci i-300,000.

308
00:24:38,537 --> 00:24:42,315
Ndithetha ukuthi, kungafuneka ngokwenene sifike
kwinani elizigidi ukuze ndikwazi ukufaka

309
00:24:42,315 --> 00:24:45,137
uxinzelelo kwii-arhente zikarhulumente ezifanelekileyo.

310
00:24:45,137 --> 00:24:49,227
Ngokomgaqo, nabani na angenza isicelo esi,
nokuba ayingommi wase-Austria – nabemi

311
00:24:49,227 --> 00:24:52,289
baseSwitzerland nabo banako ukwenza njalo ngokomgaqo.

312
00:24:52,289 --> 00:24:55,443
Kufuneka nje sivotele ukuxhasa esi sicelo.

313
00:24:55,443 --> 00:24:59,628
Kwaye nantsi imfuno yokuba imali engukheshi
yamkelwe njengesixhobo esisemthethweni sokuhlawula

314
00:24:59,628 --> 00:25:02,135
ezivenkileni, kwaye ke, namaziko karhulumente.

315
00:25:02,135 --> 00:25:04,430
Ngokusisiseko, seso isicelo nesisombululo.

316
00:25:04,430 --> 00:25:07,839
Ingxaki yile, kuza kugqitywa kulo nyaka!

317
00:25:07,839 --> 00:25:11,152
Oko kuthetha ukuba sinalo ixesha elincinci kakhulu.

318
00:25:11,152 --> 00:25:16,904
Oku ngokwendalo kuvusa umbuzo: kangakanani iPalamente
yaseYurophu yenene yenziwe ngamaLungu anoxanduva

319
00:25:16,904 --> 00:25:20,780
azigqibelela ngokwabo ukubaacinga ntoni na kwaye afuna ntoni?

320
00:25:20,780 --> 00:25:22,800
Abaninzi kananjalo abanaso isakhono sobuchwepheshe esifunekayo.

321
00:25:22,800 --> 00:25:26,511
Siyazi ukuba kwezinye iimeko, izigqibo zeqela
lepalamente zivunywa nje ngaphandle kokuqwalaselwa.

322
00:25:26,511 --> 00:25:32,359
Kwaye ukuba oku kuxoxwa ngasese kwiPalamente
yaseYurophu nangakumbi kunaseepalamente zezizwe, masithi.

323
00:25:32,359 --> 00:25:38,079
Oko kuthetha ukuba uxinzelelo kuya kufuneka lukhulu apha.
Ngaphezu kwako konke, uxinzelelo loluntu kuya kufuneka lukhulu.

324
00:25:38,079 --> 00:25:46,226
Ngoku ke, ukunika inani, uluhlu lobukhulu. Ungathi luluphi inani
'labaqhankqalazi' elifunekayo ukuze kufikelelwe

325
00:25:46,226 --> 00:25:54,619
kwimpumelelo enkulu yokwenene – eyakukhokelela
ngokwenene kwintshatsheli ebalulekileyo ePalamente?

326
00:25:54,619 --> 00:25:56,347
IPalamente iyodwa.

327
00:25:56,347 --> 00:26:02,565
Lo mthetho usayilwayo okwangoku uyaxoxwa
yiKomiti ye-ECON yePalamente yaseYurophu,

328
00:26:02,565 --> 00:26:06,196
kwaye kusenokwenziwa utshintsho kweli nqanaba.

329
00:26:06,196 --> 00:26:09,562
Oku kuthetha ukuba inyathelo lokuqala
kukunyusa uxinzelelo kwiKomiti yezoQoqosho.

330
00:26:09,562 --> 00:26:11,599
Ndenza izinto ezininzi ukuze ndikwazi ukufezekisa oku.

331
00:26:11,599 --> 00:26:20,720
Mhlawumbi ukwazisa nje: ngenxa yecela lemali, siye
sakha uluntu olunamalungu angama-65,000 ngokupheleleyo.

332
00:26:20,720 --> 00:26:27,931
Oku kuthetha ukuba sizama ukuseka iqela elizimiselayo
ukufumana imali, ukuze sikwazi ukwenza izenzo ngokubambisana.

333
00:26:27,931 --> 00:26:30,799
Kwaye senza imisebenzi ethile esenza sonke.

334
00:26:30,799 --> 00:26:37,839
Okwangoku sizama ukusondeza iKomiti ye-ECON kwintando
yabantu ngokuququzelela amaphulo amakhulu okubhalwa kweeleta.

335
00:26:37,839 --> 00:26:41,832
Abantu abali-1,300 bathathe inxaxheba
kwiphulo lokugqibela lokubhala iileta. Kwaye,

336
00:26:41,832 --> 00:26:44,158
ewe, iileta ezihambelanayo ziyathunyelwa.

337
00:26:44,158 --> 00:26:47,015
Oku kuthetha ukuba kufuneka siqale
sibeke uxinzelelo kwiKomiti ye-ECON.

338
00:26:47,015 --> 00:26:52,352
Nangona kunjalo, kufuneka kwakhiwe ulwazi olutsha
ngalo mba phakathi koluntu kunye naphakathi kwezopolitiko.

339
00:26:52,352 --> 00:26:54,759
Ngoko ke, ingongoma ebaluleke kakhulu kakhulu.

340
00:26:54,759 --> 00:27:01,200
Imali ekhoyo kufuneka ifakwe emthethweni – oko kukuthi,
kufuneka yamkelwe ezivenkileni nakumaqumrhu karhulumente.

341
00:27:01,200 --> 00:27:07,521
Ndibuza nje kuba, njengoko benditshilo, i-146,000 – ukuba
uthi ikwilizwekazi lonke laseYurophu – ayingako ngokwenene.

342
00:27:07,521 --> 00:27:09,000
Oko kuthetha ukuba kufuneka kubekho okuninzi kakhulu.

343
00:27:09,000 --> 00:27:15,319
Ngoko ke umbuzo ngulo, ungathi yintoni: yintoni
injongo apha ukuze ufumane amanqaku ngokwenene?

344
00:27:15,319 --> 00:27:19,519
Ewe, ndicinga ukuba kufuneka sifikelele kwinani elizigidi.

345
00:27:19,519 --> 00:27:22,200
Ngoku ndithetha kakhulu ngeJamani.

346
00:27:22,200 --> 00:27:25,939
Akubonakali kakuhle okwangoku.

347
00:27:25,939 --> 00:27:27,559
Kwimilioni, siqala ukuziva uxinzelelo.

348
00:27:27,559 --> 00:27:31,524
Oku asikokucinga nje ngethemba; kufuneka nje senze into.

349
00:27:31,524 --> 00:27:40,285
Bendikuhambo lokunikezela iintetho kwaye ndizamile
ukuseka unxibelelwano olusondeleyo nabantu abanempembelelo.

350
00:27:40,285 --> 00:27:44,592
Oko kuthetha ukuba ukususela namhlanje,
ndiyayiphelisa indwendwelo yam yentetho.

351
00:27:44,592 --> 00:27:53,212
Kwiinyanga ezimbini ezizayo, ndiza kugxila kakhulu kumajelo
e-YouTube andimema kudliwano-ndlebe ukuze ndinyuse ulwazi ngale

352
00:27:53,212 --> 00:27:58,077
petishoni – ukuze siwufikelele ngokwenene loo mmandla wesigidi.

353
00:27:58,077 --> 00:28:05,008
Ndiyacela uncedo ngokwenene: ukuba unabantu onxibelelana nabo
abasebenza kumaphephandaba, kumajelo eendaba,

354
00:28:05,008 --> 00:28:11,349
njl.njl., nceda ndincede ndiqhagamshelane nabo ukuze
ndikwazi ukungenisa esi sicelo – kwaye ukuze sibonakale.

355
00:28:11,349 --> 00:28:15,556
Ke ngoko inokufikelela kwisigidi ngokulula.

356
00:28:15,556 --> 00:28:17,400
Ndingadinga uncedo lwenu nonke ngale nto.

357
00:28:17,400 --> 00:28:21,599
Loo nto ikwayesinye sezizathu
eziphambili zokuba ndimi apha namhlanje.

358
00:28:21,599 --> 00:28:23,940
Enkosi kakhulu ngaloo nto.

359
00:28:29,429 --> 00:28:31,720
Kwaye ukukhankanyile ngokufutshane
ngaphambili kwinkcazelo yengxaki.

360
00:28:31,720 --> 00:28:36,165
– Kakade ke, umbuzo: ikhadi kwelinye icala, imali kwelinye?

361
00:28:36,165 --> 00:28:38,119
Ngokomgaqo, kufana nentlobo ethile yesigqibo sonyulo.

362
00:28:38,119 --> 00:28:43,440
Oko kuthetha ukuba, ngokomgaqo, nawe ungenza into ngokwakho
ngokuhlawula ngemali engako kangangoko kunokwenzeka, akunjalo?

363
00:28:43,440 --> 00:28:47,410
Ngoko isihloko sanamhlanje sithi "Ummi Oxanduva".

364
00:28:47,410 --> 00:28:54,079
Oku kuthetha ukuba, ukuze abemi babe noxanduva, kufuneka
kuqala inkululeko yokukhetha nokwazi ngento esiyibangela.

365
00:28:54,079 --> 00:29:01,421
Siyazi ukuba iibhanki ezingundoqo
zixhumanisa ikamva lemali ekhoyo kunyango.

366
00:29:01,421 --> 00:29:07,475
Ngale mbono, kuyinyani ukuba okwangoku
sinedemokhrasi ethe ngqo ngokumalunga nemali –

367
00:29:07,475 --> 00:29:11,962
kuba kukho iphepha lokuvota lokugcina imali.

368
00:29:11,962 --> 00:29:17,590
Kwaye iphepha lokuvota linjalo, umzekelo.

369
00:29:17,590 --> 00:29:24,906
Oku kuthetha ukuba asivoti rhoqo kwiminyaka emine, njengakwimeko
yonyulo lukarhulumente womdibaniso, njl., kodwa endaweni yoko:

370
00:29:24,906 --> 00:29:29,920
Sikhetha ikheshi yonke imihla kuko konke esikuthengayo!

371
00:29:29,920 --> 00:29:38,559
Oko kuthetha ukuba ngumbuzo wabemi abanoxanduva abaqondayo ukuba
kufuneka sigcine imfuno yemali iphezulu kangangoko kunokwenzeka.

372
00:29:38,559 --> 00:29:41,812
Eyona nto ibalulekileyo yile, kowona mba wokwazi le nyaniso.

373
00:29:41,812 --> 00:29:49,777
Ngoko ke oko kuthetha ukuba xa sisiya kwakhona kuthenga, sinikela
iphepha lethu lokuvota, nokuba kukukhetha ukugcina imali

374
00:29:49,777 --> 00:29:54,880
– kodwa kukwakho nelinye iphepha lokuvota lokuphelisa imali.

375
00:29:54,880 --> 00:30:00,626
Kwaye ukwanayo nenketho yokuthi: Kulungile,
ndiza kuhlawula ngekhadi okanye ngeselula.

376
00:30:00,626 --> 00:30:05,599
Kwaye ngokuthetha oko, uthetha nje oku:
Ndikuxhasa ukupheliswa kwemali engxoweni.

377
00:30:05,599 --> 00:30:07,440
Yiyo ke imongo yayo.

378
00:30:07,440 --> 00:30:16,312
Isizathu sokuba ndimi apha phambi kwenu
kukucacisela abantu nje into abayibangelayo ngezenzo zabo.

379
00:30:16,312 --> 00:30:20,126
Ewe, kwaye ndingathanda ukubona abemi
abanoxanduva abacingisisa ngale nto:

380
00:30:20,126 --> 00:30:26,839
Into endiyibangela ngeli phepha lokuvota,
nento endiyibangela ngeli phepha lokuvota.

381
00:30:26,839 --> 00:30:29,532
Seso kuphela isizathu – ndifuna abemi
abanokukwazi ukwenza ezabo izigqibo.

382
00:30:29,532 --> 00:30:33,839
Kwaye kubalulekile kubemi abanoxanduva ukuba
babe nolwazi olunzulu kakhulu ngalo mbandela.

383
00:30:33,839 --> 00:30:35,740


384
00:30:43,432 --> 00:30:45,999
Umbuzo obuzwayo ngoku ngowokuba le
petishoni iza kuqhubeka ixesha elingakanani.

385
00:30:45,999 --> 00:30:52,086
Iza kuqhuba de iPalamente yaseYurophu ivote ngayo.

386
00:30:52,086 --> 00:30:57,516
Ndingathi iza kuqhuba kude kube
ngu-Okthobha 2025, kanye ekugqibeleni.

387
00:30:57,516 --> 00:30:59,254
Kufuneka sibone ukuba kuza kuvela ngaphambi koko na.

388
00:30:59,254 --> 00:31:08,319
Kodwa kunokwenzeka kakhulu ukuba ayizukuba ngo-2025, kuba kulapho
i-e-euro iza kungena kwisigaba sayo sesithathu sophuhliso.

389
00:31:08,319 --> 00:31:09,720
Ewe, enkosi kakhulu ngovavanyo lwakho.

390
00:31:09,720 --> 00:31:14,807
Kwaye seso isizathu esenza imisitho efana nale,
eququzelelwe ngu-Erwin Rigo, ibe yeyona ibalulekileyo,

391
00:31:14,807 --> 00:31:17,830
ukuze sikwazi ukuqwashisa uluntu ngokubanzi ngale micimbi.

392
00:31:17,830 --> 00:31:21,033
Kuba abantu abaninzi bayayenza, ngokuqinisekileyo
inani elikhulu ngokugqithisileyo apha kule gumbi, kodwa

393
00:31:21,033 --> 00:31:22,992
abaninzi eluntwini jikelele abayenzi. Ewe, ngelishwa.

394
00:31:22,992 --> 00:31:25,032
Ewe, kwaye ndingathanda ukongeza into kuloo nto.

395
00:31:25,032 --> 00:31:29,119
Ungazisayinela ngokwakho ku-www.bargelderhalt.eu.

396
00:31:29,119 --> 00:31:35,279
Kwaye ukuba uphawula ibhokisi apho, uya
kuba yinxalenye yoluntu ngokuzenzekelayo.

397
00:31:35,279 --> 00:31:40,367
Ithi ukuba ungathanda na ukwaziswa
malunga nenkqubela phambili yepetishoni.

398
00:31:40,367 --> 00:31:42,594
kwaye ke uba yinxalenye yoluntu.

399
00:31:42,594 --> 00:31:44,568
Uluntu lubaluleke kakhulu.

400
00:31:44,568 --> 00:31:51,013
Kuba nokuba singaphumelela ngesicelo, kuza
kuba kukunqanda kuphela ukuhla okukhulu kwemali.

401
00:31:51,013 --> 00:31:55,466
Kodwa amanyathelo okuthengisa shishini lezemali aya phambili.

402
00:31:55,466 --> 00:32:02,121
Oku kuthetha ukuba kufuneka sizilungiselele;
kufuneka sidale uxinzelelo lwemali, lwenkululeko yethu.

403
00:32:02,121 --> 00:32:04,688
Amazwi okuvala amahle kakhulu kunye nesishwankathelo.

404
00:32:04,688 --> 00:32:08,160
Ube nethamsanqa ngaloo nto, kwaye
uqhubeke nomsebenzi omhle kulo mba.

405
00:32:08,160 --> 00:32:10,099
Enkosi.

406
00:32:23,173 --> 00:32:27,060
Ukuphendula imibuzo eshiywe
ingaphendulwanga kudliwanondlebe: Kutheni usenza oku?

407
00:32:27,060 --> 00:32:29,580
Kutheni kanye kanye imali encinciyiswa?

408
00:32:29,580 --> 00:32:41,019
- okusafuneka kuphendulwe, siza kuthomalalisa igalelo
elinomdla likaMnu. Stützle ngokubonisa inkqubo ye-Kla.TV

409
00:32:42,839 --> 00:32:47,288
Ukupheliswa kwemali ngenxa yokuzingela amandla ngokungakhathali

410
00:32:47,288 --> 00:32:52,839
Urhulumente waseMelika ngomnye wamandla
anamandla axanduva lokupheliswa kwemali engxoweni

411
00:32:52,839 --> 00:32:57,271
ngokukhawuleza okwandayo kwihlabathi jikelele.

412
00:33:37,703 --> 00:33:06,361
Ngoncedo lwe-Arhente yaseMelika yoPhuhliso lwaMazwe ngaMazwe
(i-USAID), i-Better than Cash Alliance yasekwa ngo-2012.

413
00:33:06,361 --> 00:33:12,309
Ukusukela ngoko, oku kuye kwasetyenziswa ukukhuthaza
kakhulu ukupheliswa kwemali engxoweni kwihlabathi jikelele.

414
00:33:12,309 --> 00:33:17,559
Isizathu sesi sithembiso ngakwicala lase-US
kukuba iintengiselwano zentlawulo ezingenamali

415
00:33:17,559 --> 00:33:21,399
kwihlabathi jikelele zilawulwa ziinkampani zase-US.

416
00:33:21,399 --> 00:33:29,253
Oku kuvumela ngokungathanga ngqo urhulumente wase-US ukuba abeke
iliso kwiintengiselwano zezimali zamazwe athile, iibhanki,

417
00:33:29,253 --> 00:33:38,058
iinkampani, kwanabantu ngabanye, aze abakhiphe kwiintengiselwano
zentlawulo ezingenamali ukuba abaziphathi ngokwezifiso zawo.

418
00:33:38,058 --> 00:33:45,977
Oku kumele amandla amakhulu kakhulu, ngoku kunokwenzeka
ukuba aphantse alingane nobukhosi bemikhosi baseMelika.

419
00:33:45,977 --> 00:33:52,715
Ngokunciphisa ukusetyenziswa kwemali
engxoweni, amandla e-USA akhulisa ngokuzenzekelayo.

420
00:33:52,715 --> 00:34:00,335
Ngoku siza kuphonononga indlela ethathwe ngabaqambi bamacebo
ezemali ukwandisa amandla abo ngokusebenzisa ababoneleli abakhulu

421
00:34:00,335 --> 00:34:09,477
beenkonzo zentlawulo okanye iinkqubo zamazwe ngamazwe zebhanki,
sisebenzisa imizekelo embalwa evela kwihlabathi jikelele:

422
00:34:09,477 --> 00:34:15,045
Umboneleli weenkonzo zentlawulo wamazwe
ngamazwe i-VISA wazise amanyathelo angqongqo

423
00:34:15,045 --> 00:34:18,401
okuthatha indawo yeentlawulo ngemali engxoweni.

424
00:34:18,401 --> 00:34:24,738
Ngebhajethi efikelela kwi-$500,000, iibhari,
iikhefi kunye neeresityu eUnited States ziza

425
00:34:24,738 --> 00:34:30,001
kufumana inkxaso-mali ukuba ziyeka ukwamkela imali.

426
00:34:30,001 --> 00:34:36,202
Ngaphezu koko, i-VISA yazama ukuphembelela
urhulumente waseBulgaria ukuba wehlise umda

427
00:34:36,202 --> 00:34:40,487
wemali engaphezulu kwe-€500 ngamanyathelo amabini.

428
00:34:40,487 --> 00:34:46,377
Amanani avela e-USA angqina ukuba kukho
iimfuno eziphathekayo zoqoqosho ezisengozini apha.

429
00:34:46,377 --> 00:34:53,990
Ngo-2018, iintlawulo zamakhadi etyala zodwa zavelisa
iindleko ze-90 yeebhiliyoni zeedola zaseMelika apho.

430
00:34:53,990 --> 00:35:01,935
Imali eyayihlawulwa ubukhulu becala ngabathengi yaza yangena
ezipokothweni zababoneleli beenkonzo zentlawulo engenamali.

431
00:35:01,935 --> 00:35:07,006
Kodwa ezi asizoziphumo kuphela zokunyuka
kokungasasetyenziswa kwemali engxoweni.

432
00:35:07,006 --> 00:35:13,737
Iinkqubela ezikhawulezayo ngezantsi eGrisi zinika
umbono ngeziphumo zokupheliswa kwemali engxoweni.

433
00:35:13,737 --> 00:35:20,304
Apho, abemi bayohlwaywa ngerhafu ukuba abayenzi intlawulo
ezaneleyo ngeendlela ezingasebenzisi mali, kwaye amashishini

434
00:35:20,304 --> 00:35:24,829
anyanzeliswa ukuba enze izivumelwano neenkampani ezifana neVISA.

435
00:35:24,829 --> 00:35:33,211
Imali egciniweyo ekhaya nayo kufuneka ixeliwe kubasemagunyeni
kwaye iya kuthathwa ukuba imvelaphi yayo ayinakungqinwa.

436
00:35:33,211 --> 00:35:38,718
Kwaye kulapho ke iimfuno zeendawo ezimbini –
ababoneleli ngeenkonzo zentlawulo kunye neenkqubo

437
00:35:38,718 --> 00:35:42,441
zebhanki zamazwe ngamazwe – zihamba ngokunxulumeneyo:

438
00:35:42,441 --> 00:35:49,637
Le ngxenye ilandelayo icacisa ukuba ezi ndawo ziyadibana
ngathi zizizinyo zomatshini wawotshixo ukuze kufunyanwe ulawulo

439
00:35:49,637 --> 00:35:54,295
phezu kwezibonelelo zemali, kude kuse kwimpahla yabucala.

440
00:35:54,295 --> 00:35:59,786
Ukuze kuvuselelwe uqoqosho, i-ECB ibisebenza
ngezinga lenzala eliphambili elihla iminyaka.

441
00:35:59,786 --> 00:36:05,816
Ngenxa yokuba iirates zenzala ezingentla kwi-akhawunti zokonga
zifana nokuthathwa kwempahla ngokucothayo, abatyali-mali

442
00:36:05,816 --> 00:36:10,025
banokuzikhusela ekulahlekelweni lixabiso ngokurhoxisa imali yabo.

443
00:36:10,025 --> 00:36:17,900
Nangona kunjalo, olu gunya lokuzikhethela
kwimpahla yomntu lunciphisa amandla e-ECB okuchaphazela.

444
00:36:17,900 --> 00:36:25,171
Uxwebhu lophando lwe-IMF malunga nokuphunyezwa kwenkqubo yenzala
engekho ngentle ngoku lucebisa ukuba kubekwe

445
00:36:25,171 --> 00:36:33,197
intlawulo yokutshintshiselana ngemali engukheshi,
elingana nenzala efanayo esebenza kwimpahla etyaliweyo.

446
00:36:33,197 --> 00:36:45,260
Ngezinga lenzala elingaphantsi, masithi yi -5%,
uya kufumana i-€95 yimali xa utsala i-€100 kwi-ATM.

447
00:36:45,260 --> 00:36:50,838
Isiphumo soku sibe kukuba umtsalane wemali engxoweni
njengesixhobo sokonga kunye nendlela

448
00:36:50,838 --> 00:36:59,437
yokuhlawula uya kwehla kakhulu, nto leyo eya kuvula
indlela ekuphelisweni kwemali engxoweni ekugqibeleni.

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NguProfesa Hans-Werner Sinn, owayesakuba ngumongameli
we-ifo Institute kwaye engumgqirha kwezoqoqosho, uphawula:

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Ukuba i-ECB ifuna ukuphelisa imali engxoweni
ye-euro, iJamani kufuneka iphinde yazise i-DM.

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00:37:12,777 --> 00:37:17,303
Imali yinxalenye ebalulekileyo yenkululeko.

452
00:37:17,303 --> 00:37:21,596
Imali ithetha inkululeko yokukhetha.

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00:37:21,596 --> 00:37:28,164
Ngoko ke, ixabiseke ngokuphindwe kalishumi
kumntu onqanyuliweyo ngokupheleleyo kuyo.

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00:37:28,164 --> 00:37:32,641
Fyodor M. Dostoevsky, umbhali waseRashiya.

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00:37:39,783 --> 00:37:46,720
Babukeli abathandekayo, iingxelo ezithe vetshe ngesi siganeko
saseDornbirn sele zifumaneka ukuba zibukelwe kwi-HOCH2.TV.

456
00:37:46,720 --> 00:37:49,179
Uza kufumana amakhonkco apha ngezantsi kwale nkqubo.

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00:37:49,179 --> 00:37:53,613
Singathanda ukuthatha eli thuba ukubulela
i-HOCH2.TV ngentsebenziswano yabo egqwesileyo.