1
00:00:00,000 --> 00:00:00,520


2
00:00:00,520 --> 00:00:07,571
Ngo-29 Mashi 2025, iKulturhaus Dornbirn yabamba umcimbi othi
"Inkululeko Nokuzinqumela – Umuntu Ophathelene

3
00:00:07,571 --> 00:00:14,560
Nemfanelo" onezethulo ezithakazelisayo mayelana
nokubusa komthetho, ubukhosi nokuphathelene nemali.

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

5
00:00:18,359 --> 00:00:24,920
I-HOCH2.TV ishicilele futhi yahlela
zonke izindaba kini, babukeli abathandekayo.

6
00:00:24,920 --> 00:00:31,780
Namuhla, i-Kla.TV ikwethula ingxoxo noHansjörg
Stützle mayelana nokususwa kwemali esontweni.

7
00:00:45,840 --> 00:00:53,679
Manje sifika kuMnu Hansjörg Stützle
nodaba lokugcinwa kwemali nokususwa kwemali.

8
00:00:53,679 --> 00:00:58,140
Futhi kuhambisana ngendikimba, nakuba kunezinguquko encane.

9
00:01:04,599 --> 00:01:07,640
Mnumzane Stützle othandekayo, mhlawumbe
kuqala ngibuze umbuzo omfishane kuwe.

10
00:01:07,640 --> 00:01:13,719
Waba kanjani ngokuzibandakanya ngokujulile kangaka
endabeni yokukhansela noma yokugcina imali esandleni?

11
00:01:13,719 --> 00:01:19,159
Yebo, kahle, kimi kwakuyisikhathi
eside kakhulu, cishe iminyaka engu-25.

12
00:01:19,159 --> 00:01:27,799
Futhi kuqala nje ngokombono wezokuqonda, ngoba
kukhona abaphikisi ohlelweni lokukhokha ngaphandle kwemali.

13
00:01:27,799 --> 00:01:30,519
Futhi lokho ikakhulu umkhakha wezezimali.

14
00:01:30,519 --> 00:01:36,920
Cishe eminyakeni engu-25 edlule, kwakucacile
kimi ukuthi le ndaba izovela ngesinye isikhathi.

15
00:01:36,920 --> 00:01:45,480
Ngoba imali ebhange isongela imodeli
yebhizinisi labo ngendlela yokugijima kwabantu ebhange.

16
00:01:45,480 --> 00:01:51,477
Lokhu kusho ukuthi imboni yezimali ngokuyisisekelo
ihlala ingaphansi kwengcindezi yokugcina ukwethenjwa

17
00:01:51,477 --> 00:01:54,680
komphakathi ohlelweni lwezimali kulesi zinga elithile.

18
00:01:54,680 --> 00:02:01,840
Uma lokhu kwehla ngaphansi komkhawulo othile,
izakhamuzi ziyakhathazeka bese ziya ebhange.

19
00:02:01,840 --> 00:02:06,640
Ufuna imali, ufuna ukuyiletha ngaphansi kokuthonya kwakhe.

20
00:02:06,640 --> 00:02:10,680
Kanti-ke kwakha imigqa, bese
kwenzeka ukugijima emabhange, njalo njalo.

21
00:02:10,680 --> 00:02:15,520
Kanti-ke, kunjalo, kwenzeka inhlekelele enkulu.

22
00:02:15,520 --> 00:02:21,840
Kwakucacile kimi ngaleso sikhathi ukuthi
kwakungekho ukubonakala kokususwa kwemali.

23
00:02:21,840 --> 00:02:28,520
Kodwa-ke, ngesikhathi senhlekelele yezimali sango-2007
kuya ku-2009, kwabonakala lokhu ngokusobala nangamandla.

24
00:02:28,520 --> 00:02:33,479
Cishe akekho owazibonayo,
ikakhulukazi ngokuvinjelwa kwemali yangempela.

25
00:02:33,479 --> 00:02:42,599
Futhi akuzange kuthinte ukunakwa okuningi ngoba
kwachazwa ngesisho esihle, okungukuthi imingcele yemali.

26
00:02:42,599 --> 00:02:47,319
Umkhawulo wemali usuyinqaba yemali ngaphezulu komkhawulo othile.

27
00:02:47,319 --> 00:02:51,845
EYurophu – lapho kwaqala khona –
sinezinhlaka eziyi-18 ezinemikhawulo yokuvinjelwa

28
00:02:51,845 --> 00:02:54,879
kwemali esidlulele ngaphezu komkhawulo othile.

29
00:02:54,879 --> 00:03:01,159
IGrisi, isibonelo, izwe elinomkhawulo
wemali esezansi kakhulu ongu-€500 kuphela.

30
00:03:01,159 --> 00:03:10,546
Lokhu kusho ukuthi uma uya eGrisi manje futhi ufuna ukukhokha
ibhili yehhotela engu-501 ama-euro, akuvunyelwe ngumthetho

31
00:03:10,546 --> 00:03:15,479
futhi kunesijeziso somthetho uma ukhokha ngemali esandleni.

32
00:03:15,479 --> 00:03:25,759
IGrisi isivele yazama kabili
ukunciphisa umkhawulo wemali ube ngu-€200.

33
00:03:25,759 --> 00:03:32,360
Kodwa lokho kwakungeke kwenzeke ngoba inothi
lama-euro angama-500 lisemthethweni njengemali.

34
00:03:32,360 --> 00:03:36,599
Futhi yilona kuphela isizathu esenza
singabi nemingcele yemali esiphansi.

35
00:03:36,599 --> 00:03:41,520
Yebo, futhi lezi zintuthuko ngokusobala azaziwa
abantu abaningi ezimpilweni zabo zansuku zonke.

36
00:03:41,520 --> 00:03:42,719
Ngakho-ke abanye abantu bayamukela nje.

37
00:03:42,719 --> 00:03:45,479
Ngicabanga ukuthi eJalimane cishe
kungama-euro ayizinkulungwane eziyishumi.

38
00:03:45,479 --> 00:03:46,719
Noma yilolo ulwazi lwami?

39
00:03:46,719 --> 00:03:52,000
Cha, okwamanje akukho mkhawulo wemali
esitolo (indawo yokuthengisa) eJalimane.

40
00:03:52,000 --> 00:03:55,879
Ngisho nasezidiphozini, ngakho-ke yilona ibopho lokuhlinzeka
ubufakazi bokuhlanza imali yentela nokunye okunjalo?

41
00:03:55,879 --> 00:04:00,486
Ngempela, ngakho-ke abathengisi banesibopho sokugcina
amarekhodi, kodwa kusukela ngo-2027 kuzosebenza

42
00:04:00,486 --> 00:04:03,599
umkhawulo wemali esandleni we-€10,000 kulo lonke elaseYurophu.

43
00:04:03,599 --> 00:04:04,360
Lena yindaba.

44
00:04:04,360 --> 00:04:07,360
Amakhaya asevele engaphansi kwalelo zinga angakugcina.

45
00:04:07,360 --> 00:04:10,520
Ungasetha umkhawulo wemali ongaphansi
kuka-£10,000 nganoma yisiphi isikhathi.

46
00:04:10,520 --> 00:04:15,039
Futhi uchaza kanjani ukuthi kusekhona
ukuqwashisa okuncane ngale nkinga kulesi sifunda?

47
00:04:15,039 --> 00:04:18,839
Ingabe izakhamuzi mhlawumbe
azikakayazi ubukhulu besongo semali yazo?

48
00:04:18,839 --> 00:04:20,920
Impela cha.

49
00:04:20,920 --> 00:04:25,240
Ngisanda kubuya ohambweni olude kakhulu lwezinkulumo.

50
00:04:25,240 --> 00:04:28,000
Kusukela ngoJanuwari, bengihamba
ngihlose kuphela ukunikeza izinkulumo.

51
00:04:28,000 --> 00:04:34,519
Uma ngikhuluma amahora amabili ngemishini esekela
ukususwa kwemali esandleni, abantu abaningi bathi:

52
00:04:34,519 --> 00:04:39,279
Bengazi ukuthi bekuyinkinga, kodwa angizange
ngiqaphele ukuthi bekuyiphikisana kangaka.

53
00:04:39,279 --> 00:04:43,120
Kodwa uma ulalela iDeutsche Bundesbank,
konke kubonakala kulungile ngokuphelele.

54
00:04:43,120 --> 00:04:46,839
Basithembisa ukuthi kunemali eyanele
nokuthi ukuqhubeka kwayo kukhona kuqinisekisiwe.

55
00:04:46,839 --> 00:04:51,439
Ngokuvamile, kubhekwa kuphela lokho
okucatshangwa ukuthi umphakathi uyakufuna.

56
00:04:51,439 --> 00:04:53,560
Sikulungiselele ukurekhoda okuncane.

57
00:04:53,560 --> 00:04:57,174
Ehlobo eledlule, ngikholelwa ukuthi
wawuyisivakashi eSüdwestrundfunk, umsakazo

58
00:04:57,174 --> 00:04:59,720
womphakathi waseJalimane ophethwe yi-ARD.

59
00:04:59,720 --> 00:05:01,160
Lokho kwakuyisihloko ngqo.

60
00:05:01,160 --> 00:05:03,939
Mhlawumbe sizobheka futhi ngokushesha.

61
00:05:06,720 --> 00:05:09,439
Hhayi-ke, nginowesivakashi ofanele
ngqo esitudiweni ozophendula lo mbuzo.

62
00:05:09,439 --> 00:05:10,439
Stefan Hardt usiphambili.

63
00:05:10,439 --> 00:05:13,560
Uhola iSebe Lezimali Esiphakathi eBundesbank.

64
00:05:13,560 --> 00:05:14,000
Ubusuku obuhle.

65
00:05:14,000 --> 00:05:14,680
Ubusuku obuhle.

66
00:05:14,680 --> 00:05:19,319
Uzohlala isikhathi esingakanani, i-Bundesbank
izoqhubeka isingakanani isikhathi isihlinzeka ngemali entsha?

67
00:05:19,319 --> 00:05:23,120
Njengoba izakhamuzi zifuna ukusebenzisa imali esandleni.

68
00:05:23,120 --> 00:05:27,360
Ingabe lokho kusebenza kuwo wonke amaphepha
emali, nakuzo zonke izingcezu zemali encane?

69
00:05:27,360 --> 00:05:28,480
Yebo, impela.

70
00:05:28,480 --> 00:05:35,439
Ngokuyisisekelo, iningi elikhulu labantu basezwe
lithi lifuna ukuba nenketho yokukhokha ngemali esandleni.

71
00:05:35,439 --> 00:05:39,120
Lokho cishe kungama-93 ekhulwini kwabantu abafuna lokhu.

72
00:05:39,120 --> 00:05:40,800
Futhi akuwona wonke azenza kanjalo.

73
00:05:40,800 --> 00:05:44,759
Kodwa okungenani bangathanda ukuba nenketho yokukhokha ngemali.

74
00:05:44,759 --> 00:05:51,279
Futhi inqobo nje uma abantu befuna
ukukhokha ngemali, sizokuqhubeka nokuyinikeza.

75
00:05:51,279 --> 00:05:54,279
Abathandi bemali manje bangaphefumula ngokukhululeka.

76
00:05:54,279 --> 00:05:56,879
Ngizwa isisindo sikhishwa emahlombe akho, Mnu. Stützle?

77
00:05:56,879 --> 00:06:06,000
Impela cha, ngoba sekushiwo ngokusobala: inqobo nje uma
kukhona isidingo, iDeutsche Bundesbank izohlala iyigcina.

78
00:06:06,000 --> 00:06:07,399
Futhi yilokho inkinga yonke.

79
00:06:07,399 --> 00:06:11,240
Ungase futhi ufune ukuchaza ukuthi isidingo siyini.

80
00:06:11,240 --> 00:06:13,240
Iphesenti lokukhokha ngemali kumele libe liphezulu kangakanani?

81
00:06:13,240 --> 00:06:19,319
Ngakho-ke, ekugcineni, kusezandleni zethu njengabantu bomphakathi
ukunquma – ngabe sikhokha ngokhadi noma ngemali esandleni?

82
00:06:19,319 --> 00:06:21,720
Lokho ngokuyisisekelo yilokho esikushoyo
lapha maqondana nokukhokha ngamakhadi.

83
00:06:21,720 --> 00:06:25,680
Ngisekela ukususwa kwemali esandleni,
noma ngisekela ukugcinwa kwemali esandleni.

84
00:06:25,680 --> 00:06:29,680
Ngakho-ke kuwumqondo obalulekile okufanele siwucabangele lapha.

85
00:06:29,680 --> 00:06:36,530
Futhi ngeshwa, izakhamuzi azisenayo imali
ephathekayo ezandleni zabo ngoba umnotho

86
00:06:36,530 --> 00:06:40,160
usuhambele phambili ekwenqabeni imali ephathekayo.

87
00:06:40,160 --> 00:06:44,040
Lokho kusho ukuthi manje sekukhona abathengisi
lapha eJalimane abenqaba ukwamukela imali esandleni.

88
00:06:44,040 --> 00:06:49,800
Futhi siyazi ukuthi, ngokususelwa
kulokhu, imali ayinakusinda esikhathini eside.

89
00:06:49,800 --> 00:06:57,459
Ngoba umnotho unquma ukuthi thina,
njengabantu besizwe, sinenketho yokukhokha ngemali.

90
00:07:02,720 --> 00:07:08,399
Yebo, ngicabanga ukuthi umbhange akazange abukeke
ejabule lapho usho lelo gama lokugcina, akunjalo?

91
00:07:08,399 --> 00:07:10,160
Yebo, lokho kwakungeyona ngempela into ayecabanga yona.

92
00:07:10,160 --> 00:07:14,560
Ngezinye izikhathi ngizwa sengathi iDeutsche Bundesbank inomthwalo
wemfanelo wokuhlala iqinisekisa abantu, ibaqinisekisa:

93
00:07:14,560 --> 00:07:16,360
Imali iphephile.

94
00:07:16,360 --> 00:07:21,040
Kodwa ekugcineni, bayixhumanisa nesidingo.

95
00:07:21,040 --> 00:07:28,680
Ngabuza umbuzo: I-Deutsche Bundesbank iqonda
kanjani isidingo – futhi akazange aphendule.

96
00:07:28,680 --> 00:07:34,399
Kukhona nje indlela ethile ehileleka
ekususweni kwemali, engifisa ukuyichaza kancane.

97
00:07:34,399 --> 00:07:36,000
Siphinde silungiselele umdwebo walokhu.

98
00:07:36,000 --> 00:07:37,720
Lokho kuyiphuzu elibaluleke kakhulu.

99
00:07:37,720 --> 00:07:43,000
Kuyiqiniso ukuthi, ngempela, lezi
zakhiwo ziyasusa imali esandleni.

100
00:07:43,000 --> 00:07:48,160
Futhi ngizama ukuchaza into evamise ukungithatha amahora amabili.

101
00:07:48,160 --> 00:07:50,879
Ngizozama lokho ngemizuzu emihlanu.

102
00:07:50,879 --> 00:07:51,680


103
00:07:51,680 --> 00:07:53,279
Isikhathi siyaphela, kulungile.

104
00:07:53,279 --> 00:07:59,160
Ngakho-ke, ohlangothini lwesobunxele, singabona ukuthi
kudingeka kusethwe ingqalasizinda yokukhokha ngaphandle kwemali.

105
00:07:59,160 --> 00:08:03,560
Kwakuyiphrojekthi enkulu kakhulu
eyathatha iminyaka eminingi ukuyiqeda.

106
00:08:03,560 --> 00:08:07,079
EJalimane, okungenani, kungathiwa seyiphelele.

107
00:08:07,079 --> 00:08:09,519
Futhi lapha e-Austria, mhlawumbe
okwamanje akukakafiki ezindlini zasentabeni.

108
00:08:09,519 --> 00:08:12,079
Kodwa ngaphandle kwalokho, ingqalasizinda isivele ikhona.

109
00:08:12,079 --> 00:08:14,879
Lokho sekuyinqume ngokuyisisekelo.

110
00:08:14,879 --> 00:08:21,040
Ngakwesokudla, singabona ukuthi ukumaketha
nokuqinisa umsindo kwenzeka ngokwemvelo ngokumaketha.

111
00:08:21,040 --> 00:08:28,160
Amabhiliyoni atshaliwe ekukhuthazeni izinkokhelo zedijithali.

112
00:08:28,160 --> 00:08:34,399
Futhi abantu abaningi ekugcineni bangena
kulesi simiso bengacabangi ngakho kakhulu.

113
00:08:34,399 --> 00:08:40,840
Okudabukisayo kancane ukuthi umkhankaso
wokukhangisa wokulwa nemali nakho wawusetshenziswa.

114
00:08:40,840 --> 00:08:46,279
Ngeshwa, sabona lokhu ngesikhathi sobhubhane
we-coronavirus, lapho izimpawu zabekwa ezitolo:

115
00:08:46,279 --> 00:08:50,519
Ngenxa yezizathu zokuhlanzeka, sicela
ungakhokhi ngemali esandleni, njll.

116
00:08:50,519 --> 00:08:57,960
Futhi abantu abaningi bakholelwa
kulokho, baze bangena ohlelweni lwedijithali.

117
00:08:57,960 --> 00:09:01,919
Khona-ke sinendaba: ukwenqatshwa kwemali ngumnotho.

118
00:09:01,919 --> 00:09:04,080
Lena yindaba ephikisanayo kakhulu.

119
00:09:04,080 --> 00:09:09,159
Imali ngempela ifakwe emthethweni
emthethweni emithathu enamandla kakhulu:

120
00:09:09,159 --> 00:09:19,211
Eqinisweni, kuMthetho we-Bundesbank; kugcinwe eSimisweni se-ECB
nakuSivumelwano se-EU ngendlela yokuthi kunikezwe ilungelo

121
00:09:19,211 --> 00:09:24,960
lokuba imali esemthethweni futhi kumele yamukelwe ekuhwebeni.

122
00:09:24,960 --> 00:09:31,738
Lokhu kwaqaliswa ngo-2010 ngesiphakamiso
seKomishana – ngesisekelo sokuthi ngenxa yenkululeko

123
00:09:31,738 --> 00:09:35,600
yenkontileka abathengisi bangenqaba imali esandleni.

124
00:09:35,600 --> 00:09:40,279
Ngakho-ke bacabanga ukuthi inkululeko yenkontileka
ebhizinisini nasemkhakheni wokuhweba ibaluleke kakhulu.

125
00:09:40,279 --> 00:09:43,399
Lokhu sekugunyazwe futhi yiDeutsche Bundesbank.

126
00:09:43,399 --> 00:09:47,480
Siphinde saxoxa ngalokhu engxoxweni.

127
00:09:47,480 --> 00:09:52,922
Lokhu kuyiqhumane, kuyingozi kakhulu, ngoba le
ncazelo isho ukuthi manje sekuyiqiniso ukuthi

128
00:09:52,922 --> 00:09:56,240
abathengisi bavunyelwe ukwenqaba imali esandleni.

129
00:09:56,240 --> 00:10:03,352
Lokhu kusho ukuthi thina, njengabantu besizwe, asisenayo imali
esandleni sethu – okusho inkululeko yokukhetha – kodwa manje

130
00:10:03,352 --> 00:10:07,039
umnotho unquma ukuthi sivunyelwe ukukhokha ngemali noma cha.

131
00:10:07,039 --> 00:10:09,000
Lokho kuyiqiniso.

132
00:10:09,000 --> 00:10:15,519
Khona-ke sinenye ingxenye, okuyiyokwethulwa kwe-e-euro.

133
00:10:15,519 --> 00:10:20,720
I-e-euro kulindeleke ukuthi ingene
esigabeni sayo sesithathu ngo-Okthoba kulo nyaka.

134
00:10:20,720 --> 00:10:25,440
Kukhona umthetho ohlongozwayo
we-e-euro, okungukuthi umthethosivivinywa.

135
00:10:25,440 --> 00:10:33,720
Kulindeleke ukuthi iPhalamende
le-EU linqume ngalokhu ngo-Okthoba.

136
00:10:33,720 --> 00:10:41,663
Futhi-ke kungase kube ukuthi eminyakeni eyodwa, emibili
noma emithathu ezayo, sizoba nomncintiswano oqondile nemali

137
00:10:41,663 --> 00:10:46,159
ekukhokhweni endaweni yokuthengisa, okungukuthi ezitolo.

138
00:10:46,159 --> 00:10:48,279
Futhi lokho kubangela konke, vele.

139
00:10:48,279 --> 00:10:57,799
Lezi zibhloko ezintathu zenza izakhamuzi zisongelwe
kakhulu kulesi simiso futhi zifundiswe ukukhokha ngedijithali.

140
00:10:57,799 --> 00:11:01,720
Futhi manje nansi – futhi lokhu yikho okubaluleke kakhulu.

141
00:11:01,720 --> 00:11:06,559
– okungukuthi, "ibanga lokukhokha
ngemali" yigama elibaluleke kakhulu.

142
00:11:06,559 --> 00:11:15,679
I-Deutsche Bundesbank nayo yathi
engxoxweni lapha ukuthi bayixhumanisa nesidingo.

143
00:11:15,679 --> 00:11:19,360
Njengoba ngishilo, ngabuza iDeutsche
Bundesbank ukuthi bisho ukuthini ngokuthi 'demand'.

144
00:11:19,360 --> 00:11:22,480
Ngokubala kwami, kungamaphesenti ayi-15.

145
00:11:22,480 --> 00:11:24,840
Kungenzeka ukuthi umuntu
angaphikisana phakathi kuka-10 no-15 ekhulwini.

146
00:11:24,840 --> 00:11:29,600
Khona-ke ingqalasizinda yemali iqala ukuba sebizayo kakhulu.

147
00:11:29,600 --> 00:11:34,000
Khona-ke kusebenza okubizwa ngokuthi "umgomo wokulingana":

148
00:11:34,000 --> 00:11:42,919
Ingabe ingqalasizinda ibiza kakhulu uma
kuqhathaniswa nokuthi abantu basakhokha ngemali – bese iwa?

149
00:11:42,919 --> 00:11:52,878
Njengamanje sinesimo lapho izinga lokukhokha ngemali
ephathekayo eJalimane lehla ngo-4% ngonyaka, noma

150
00:11:52,878 --> 00:11:58,919
ngo-3.8% sekukonke – kodwa ngiyalilinganisa phezulu ku-4%.

151
00:11:58,919 --> 00:12:05,526
Uma i-e-euro yethulwa, lokhu kuzokhula ngokuphindaphindiwe futhi
masinyane sizothola sizisesimweni esifanayo namanye amazwe,

152
00:12:05,526 --> 00:12:12,399
njengeSweden nokunye, lapho izinkokhelo zemali esandleni zingase
zibe ngu-10 noma u-15 ekhulwini kuphela kuzo zonke izinkokhelo.

153
00:12:12,399 --> 00:12:17,280
Futhi-ke, ngeshwa, imali iyaphelelwa
yisikhathi ngenxa yezizathu engizichaze ngokufingqiwe

154
00:12:17,280 --> 00:12:20,519
lapha, ezivame ukungithatha amahora amabili.

155
00:12:20,519 --> 00:12:25,502
Engingathanda ukukwazi wukuthi: Ukuhamba
okuvamile kwezimali zedijithali kuthinta

156
00:12:25,502 --> 00:12:28,639
kanjani ukuziphatha ekukhokheni ngemali esandleni?

157
00:12:28,639 --> 00:12:33,814
Kukhona abahlinzeki abaningi kakhulu
asebesebenzisa i-crypto – ngakho-ke mhlawumbe isesigabeni sayo

158
00:12:33,814 --> 00:12:36,480
sokuqala, okungenani ekuthengisweni ku-inthanethi.

159
00:12:36,480 --> 00:12:40,528
Kodwa ezinkokhelweni ngemali esandleni, ezitolo,
ngabe sekuyenzeka kwezinye izimo eJalimane ukuthi

160
00:12:40,528 --> 00:12:42,120
ngempela ukhokhe into usebenzisa i-Bitcoin, isibonelo?

161
00:12:42,120 --> 00:12:44,879
Uma uphuma uyodla ipitsa, khokha nge-crypto.

162
00:12:44,879 --> 00:12:48,489
Ingabe lokhu kungaba yisongelo esengeziwe
emalini esandleni, ngokuhambisana nezindlela

163
00:12:48,489 --> 00:12:51,080
zokukhokha zedijithali ezikhishwe amabhange kazwelonke?

164
00:12:51,080 --> 00:12:52,279
Ngokuvamile kancane.

165
00:12:52,279 --> 00:12:55,919
Ngakho-ke uma kuziwa ezindleleni
zokukhokha, kufanele uhlukanise kancane.

166
00:12:55,919 --> 00:12:57,799
Kuyindaba yokutshalwa kwemali:

167
00:12:57,799 --> 00:13:03,519
Ngakho-ke lapho kunokuguquguquka okuphezulu
kwamanani, akufaneleki ngempela ekukhokheni.

168
00:13:03,519 --> 00:13:10,679
Abantu abafuni ukusebenzisa into
njengokukhokha uma ihileleka ekucatshangelweni okukhulu.

169
00:13:10,679 --> 00:13:15,720
Ngakho-ke kungaba ngokutshala imali noma kube indlela yokukhokha.

170
00:13:15,720 --> 00:13:21,320
Indlela enhle yokukhokha ayinazo izinguquko
zokuzinza, okusho ukuthi ayinazo izinguquko enanini, njll.

171
00:13:21,320 --> 00:13:27,399
Ngakho-ke ngokombono wamanje – sizobona ukuthi izinto zizohamba
kanjani ngemali yedijithali – angiboni mingozi kulokho.

172
00:13:27,399 --> 00:13:31,480
I-e-euro empeleni ingozi enkulu kakhulu.

173
00:13:31,480 --> 00:13:36,279
I-e-euro izonikezwa ilungelo lokuba imali esemthethweni, njll.

174
00:13:36,279 --> 00:13:39,840
Angifuni ukuchaza konke manje, kuyinkimbinkimbi kakhulu kakhulu.

175
00:13:39,840 --> 00:13:44,840
Isihloko esithakazelisa kakhulu. Okuthile
okuzothakazelisa ngempela ababukeli abaningi:

176
00:13:44,840 --> 00:13:45,799
Kungani abantu benza lokho?

177
00:13:45,799 --> 00:13:49,440
Kungani imali ngempela incishiswa?

178
00:13:49,440 --> 00:13:51,600
Ingabe kuwumbuzo nje wokunethezeka?

179
00:13:51,600 --> 00:13:57,760
Noma uyabona ngokusobala lokhu kuyingxenye yohlelo
oluhloselwe ekugcineni ukwenza izakhamizi zixhomekeke futhi

180
00:13:57,760 --> 00:14:01,879
zisuswe amalungelo azo, isibonelo ngokulawulwa komphakathi?

181
00:14:01,879 --> 00:14:04,713
Ngabe ngesinye isikhathi kuzoba lula kakhulu
ngokwemvelo ukulawula ukufinyelela ezindleleni

182
00:14:04,713 --> 00:14:06,759
zokukhokha zikagesi kunokwenza kanjalo ngemali esandleni?

183
00:14:06,759 --> 00:14:10,227
Yingakho abantu besho ukuthi, "Imali ephathekayo iyinkululeko
eprintiwe," kanti imali kagesi,

184
00:14:10,227 --> 00:14:14,120
ngokungangabazeki, ivinjwe ngokungangabazeki
ekufinyeleleni kwangaphandle, uma kungathiwa kanjalo.

185
00:14:14,120 --> 00:14:16,519
Ingabe yilokho inhloso yakhona?

186
00:14:16,519 --> 00:14:18,399
Yebo, kunemigomo eminingi, impela.

187
00:14:18,399 --> 00:14:23,519
Kufanele ulandele uhlangothi lwe-'Cui
Bono', okusho ukuthi ubani ozuzayo kulo?

188
00:14:23,519 --> 00:14:26,320
Futhi-ke, vele, ufika ezimpendulweni ezithile.

189
00:14:26,320 --> 00:14:32,559
Mina uqobo angingeni kakhulu kulesi sihloko ngoba
empeleni siphazamisa isihloko esiyinhloko ngendlela ethile.

190
00:14:32,559 --> 00:14:39,480
Engikhuluma ngempela ngakho yizindlela zokusebenza
nezakhiwo ezisekela ukususwa kwemali, ngemuva komjikelezo.

191
00:14:39,480 --> 00:14:48,200
Kuyinkimbinkimbi kakhulu kunalokho: udala indawo
yemali engenayo lapho imali engenayo ingeke iphile khona.

192
00:14:48,200 --> 00:14:52,759
Lokhu kusho ukuthi imali esandleni njengamanje ihlaselwa.

193
00:14:52,759 --> 00:14:56,240
Ngakolunye uhlangothi, kunganqatshwa umnotho.

194
00:14:56,240 --> 00:15:05,879
Kodwa okubucayi nakakhulu, ngokombono wami,
wukuthi umbuso uhlanganyela kakhulu ngokwenqaba imali.

195
00:15:05,879 --> 00:15:09,480
Ngikhuluma ngeJalimane ngoba ngiyazi kancane ngayo.

196
00:15:09,480 --> 00:15:12,276
Isibonelo, amachibi okugeza ase engasamukeli
imali esandleni, futhi amachibi okugeza

197
00:15:12,276 --> 00:15:14,240
angaphandle okuqala nawo ase engasamukeli imali esandleni.

198
00:15:14,240 --> 00:15:22,000
Amaphaki ezimoto nezindawo zokupaka imoto asasebenzi
ngemali, ngisho nezikhungo zikahulumeni nazo asasebenzi ngemali.

199
00:15:22,000 --> 00:15:27,503
EDüsseldorf, isibonelo, sinesimo lapho wonke
amahhovisi abantu bomphakathi esebenza ngaphandle kwemali –

200
00:15:27,503 --> 00:15:30,759
ngaphandle kweyodwa etholakala esiteshini sesitimela.

201
00:15:30,759 --> 00:15:34,039
Lokho kuyingozi kakhulu ngoba awukwazi ukukugwema nhlobo.

202
00:15:34,039 --> 00:15:44,240
Lokhu kusho ukuthi izakhamuzi ziyaqhubeka
nokuphoqelelwa kulesi simiso, esiyingozi kakhulu kakhulu.

203
00:15:44,240 --> 00:15:51,320
Lokhu kusho ukuthi, ekugcineni, sidinga futhi ukuthi
uhulumeni uphoqeleke ukwamukela imali esandleni futhi.

204
00:15:51,320 --> 00:15:56,080
Ngiphinde ngibuze lo mbuzo maqondana nesihloko
somcimbi esithi 'Izakhamuzi Ezinomthwalo Wemfanelo'.

205
00:15:56,080 --> 00:16:00,765
Ngoba into eyodwa icacile: uma usungasakhokhi ngemali esandleni,
noma ngabe usebenzisa yiluphi uhlobo lokukhokha nge-elekthronikhi,

206
00:16:00,765 --> 00:16:02,639
ekugcineni akuseyona indlela yokukhokha engaziwa.

207
00:16:02,639 --> 00:16:03,600
Yebo, impela.

208
00:16:03,600 --> 00:16:04,039
Yilokho okubalulekile.

209
00:16:04,039 --> 00:16:05,480
Imali ephathekayo ihlala iyindlela yokukhokha engaziwa.

210
00:16:05,480 --> 00:16:07,898
Ngingaya noma kuphi, ngingakhokhela noma
yini. Akekho ongibuza ukuthi ngingubani.

211
00:16:07,898 --> 00:16:09,559
Bathatha imali yami futhi abanasithakazelo kimi.

212
00:16:09,559 --> 00:16:15,720
Lapho ngikhokha ngokhadi, cishe yonke iphothifoliyo yami, yonke
umlando wami wezezimali, ilethelwa kanye nokukhokha, ngokuthi.

213
00:16:15,720 --> 00:16:21,679
Kusukela lapho engikhona manje kuya kulokho
okwenzekayo ku-akhawunti yami, engikwenzayo.

214
00:16:21,679 --> 00:16:27,679
Yingakho ngabuza ukuthi ngabe inhloso eyisisekelo ayicacile
ngokwanele: ukusungula uhlobo lobushiqela obuphelele

215
00:16:27,679 --> 00:16:34,600
lapha, lapho izakhamuzi zingalandelwa kahle nguhulumeni
ngaso sonke isikhathi nasemazweni wonke futhi zibe sobala.

216
00:16:34,600 --> 00:16:37,440
Ngakho-ke, ngingakuthanda ukuyishiya ivulekile okwamanje.

217
00:16:37,440 --> 00:16:42,682
Kodwa into eyodwa engiyisho ngokuqinisekile:
umphakathi okhululekile udinga ngempela uhlelo

218
00:16:42,682 --> 00:16:46,539
lokukhokha olukhululekile olungeke lulandelwe.

219
00:16:55,399 --> 00:17:04,160
Futhi konke okudijithali kungabhekwa kalula kakhulu.
Eqinisweni, umphakathi uqala ukuba nesaba futhi uzithobe.

220
00:17:04,160 --> 00:17:14,559
Ngakho-ke uma lo mcimbi ukhokhelwa kuphela
ngedijithali namuhla, kuzobhalwa ukuthi ukhona lapha namuhla.

221
00:17:14,559 --> 00:17:20,680
Ngokomqondo, kungenzeka ukuthi manje nawe
uba noma ukhethwe njenge "persona non grata".

222
00:17:20,680 --> 00:17:23,539
Ngicabanga ukuthi sonke siyakwazi.

223
00:17:25,079 --> 00:17:29,039
Cha, ngenhlanhla angikakabi
njalo. Kumele ngibe ngempela ngalokho.

224
00:17:29,039 --> 00:17:37,279
Hhayi-ke, angizange ngibe nokuhlaselwa nhlobo kuze kube
uJanuwari ngoba ngangiphikisa konke ngokususelwa eqinisweni.

225
00:17:37,279 --> 00:17:42,764
Kodwa kusukela ohambweni lwami lokugcina lokunikeza
izinkulumo, ngeshwa, sekusungulwe, futhi

226
00:17:42,764 --> 00:17:46,400
akusekelwanga emaqiniso, kunalokho izinto zengezwa endabeni.

227
00:17:46,400 --> 00:17:49,640
Futhi kuyingozi kakhulu kakhulu, engikubona kuyihlazo kancane.

228
00:17:49,640 --> 00:17:50,279
Impela.

229
00:17:50,279 --> 00:17:53,240
Futhi yingakho kubalulekile ukuthi
wethule konke ngale ndlela eqinile yamaqiniso.

230
00:17:53,240 --> 00:17:56,400
Lokhu futhi kukwenza
ungahlaselwa, futhi akekho ongaphikisa lokho.

231
00:17:56,400 --> 00:18:01,799
Konke lokhu kusekelwe ngokuqondile ezintweni eziyiqiniso,
yingakho kuyisibonelelo esibaluleke kakhulu kulesi siphikiswano.

232
00:18:01,799 --> 00:18:03,480
Ngakho-ke, ngiyabonga kakhulu futhi kimi.

233
00:18:03,480 --> 00:18:05,579
Ngiyabonga.

234
00:18:08,480 --> 00:18:12,851
Sishintshe kancane ukuhleleka ukuze
kuhambisane nezihloko, ngakho-ke manje ngithanda

235
00:18:12,851 --> 00:18:16,900
ukucela uMnu. Stützle ukuthi ajoyine nami futhi.

236
00:18:24,480 --> 00:18:28,799
Yebo, lokho okwashiwo ngaphambilini
mayelana nemali kusasele engqondweni yami.

237
00:18:28,799 --> 00:18:31,599
Lapho-ke isikhathi esiphakathi
kwezinkulumo ezimbili sifushane kakhulu.

238
00:18:31,599 --> 00:18:37,440
Yingakho ukudlulela engxenyeni yesisombululo kulula
kakhulu lapha, ngoba singaqhubeka ngaphandle kokuphazamiseka.

239
00:18:37,440 --> 00:18:41,519
Ngakho-ke inkinga, njengoba sasichaze
ngaphambilini, ukuthi imali isingaphansi kwengcindezi ekhulayo.

240
00:18:41,519 --> 00:18:46,006
Manje-ke umbuzo obalulekile: singenzeni
ngabanye, ingani umuntu ngamunye angakwenza ukuvimbela

241
00:18:46,006 --> 00:18:50,279
imali ukuthi inganyamalali noma ingashiyeki emuva?

242
00:18:50,279 --> 00:18:57,079
Yebo, umbuzo omfushane, impendulo ende: kunzima kakhulu.

243
00:18:57,079 --> 00:19:07,200
Empeleni sinesimo lapho, okokuqala, umnotho ungakwazi
ukwenqaba imali, futhi okwesibili, umbuso wenqaba imali.

244
00:19:07,200 --> 00:19:13,559
Uma sesikhuluma ngalokho, imali ekhishwe
ngokuphelele nguhulumeni yi-cash kuphela!

245
00:19:13,559 --> 00:19:21,839
Futhi umbuso wenqaba imali yawo. Lokho ngokwalo sekuyinqaba.

246
00:19:21,839 --> 00:19:29,920
Eminyakeni embalwa edlule bengikhungathekile
isikhathi eside ngoba imali isehla ngokushesha.

247
00:19:29,920 --> 00:19:35,400
Imali ayimi ngokuqinile, ngokusho
kwezibalo ezivela eDeutsche Bundesbank.

248
00:19:35,400 --> 00:19:42,742
Izinhlayo zakamuva zashicilelwa ngo-2023.
Ngokwenzalo yokukhokha ngemali eJalimane,

249
00:19:42,742 --> 00:19:48,640
amaphesenti angu-51 wemikhiqizo asakhokhelwa ngemali.

250
00:19:48,640 --> 00:19:51,839
Iyancishiswa ngo-4% ngonyaka.

251
00:19:51,839 --> 00:19:56,640
Lokho kusho ukuthi manje, ngo-2025, sisemaphesenti angama-43.

252
00:19:56,640 --> 00:20:04,511
Uma umphikisi oqondile we-e-euro ehlanganiswa
nalokhu, ngonyaka ka-2030 singabona ngokushesha kakhulu

253
00:20:04,511 --> 00:20:09,039
ukukhokha ngemali kwehla kube ngu-15% noma ngaphansi.

254
00:20:09,039 --> 00:20:11,279
Futhi yilokho inkinga yonke.

255
00:20:11,279 --> 00:20:17,480
Ngazizwa ngidumele kakhulu ukuthi kwakungekho nhlobo
intando yezombusazwe yokuvikela imali ngokomthetho.

256
00:20:17,480 --> 00:20:20,559
Imali idinga ngempela ukuvikelwa ngokomthetho!

257
00:20:20,559 --> 00:20:27,160
Futhi esinye isivikelo somthetho ukuthi
sizophinde sibe nenkululeko yokukhetha ukukhokha ngemali.

258
00:20:27,160 --> 00:20:32,279
Ekugcineni ibuyela ezandleni zabantu.

259
00:20:32,279 --> 00:20:40,039
Ukuze sikufeze lokhu, sidinga ngempela inqubomgomo yokwamukelwa
okuphoqelekile kwezohwebo kanye nasemasiphalekini kahulumeni.

260
00:20:40,039 --> 00:20:49,640
Kusukela manje – futhi namuhla sikhuluma ngabantu
abanesibopho – abantu banethuba lokuphinda bavote.

261
00:20:49,640 --> 00:20:53,940
Ngakho-ke sidinga futhi inkululeko
yokukhetha, futhi ngicabanga ukuthi lokho kubalulekile.

262
00:21:00,279 --> 00:21:05,440
Kusekhona ukungabi nentando yezombusazwe namuhla.

263
00:21:05,440 --> 00:21:13,160
Kodwa sekukhona ithuba
eliyingqayizivele lokubeka imali esemthethweni.

264
00:21:13,160 --> 00:21:21,880
Hhayi ngoba kuyathandwa kwezombusazwe, kodwa ngoba labo
abasemandleni nabaphathi bezepolitiki bafuna okuthile okuhlukile.

265
00:21:21,880 --> 00:21:23,960
Bafuna i-e-euro.

266
00:21:23,960 --> 00:21:24,279
okuphoqelekile

267
00:21:24,279 --> 00:21:28,960
Bayaqhubeka nakho – yilokho okubukeka okwamanje.

268
00:21:28,960 --> 00:21:39,599
Yingakho-ke okhishwe umthetho ohlongozwayo
we-e-euro, futhi bafuna i-e-euro ibe imali esemthethweni.

269
00:21:39,599 --> 00:21:47,423
Lokhu kusho ukuthi baphoqeleka ukukhipha umthetho
obekelwe ukukhishwa kwemali ngosuku olufanayo. Lokhu kungenxa

270
00:21:47,423 --> 00:21:51,480
yokuthi imali yamanje iyona kuphela imali esemthethweni.

271
00:21:51,480 --> 00:21:55,582
Ngakho-ke lokho kusho ukuthi, ngokuphikisana,
ukwethulwa kwe-e-euro ekuqaleni kuzovikela futhi

272
00:21:55,582 --> 00:21:59,319
kuqinisekise imali esandleni, ngendlela ethile yokukhuluma?

273
00:21:59,319 --> 00:22:00,801
Cha, nakanjani cha.

274
00:22:00,801 --> 00:22:06,647
Ngakho-ke ngokuvamile bekuzoba kuhle. Singakubona lapha manje.

275
00:22:06,647 --> 00:22:11,415
Ngokwesisekelo somthetho osasekelwayo,
i-e-euro izovunywa njengemali esemthethweni ezitolo

276
00:22:11,415 --> 00:22:14,920
– okungenani ngokwesivumelwano esisayinwayo.

277
00:22:14,920 --> 00:22:18,440
Yebo, kodwa ngoba uthe baphoqeleka
ukufaka nalokho okunye emthethweni.

278
00:22:18,440 --> 00:22:20,799
Ngakho-ke womabili aqinisekisiwe emthethweni, akunjalo?

279
00:22:20,799 --> 00:22:22,713
Cha, kunezinhlinzeko ezimbili eziphakanyisiwe.

280
00:22:22,713 --> 00:22:29,834
Kukhona imithetho emibili ehlongozwayo –
eyodwa ye-e-euro nenye yemali esandleni.

281
00:22:29,834 --> 00:22:32,440
Lena iphuzu elibaluleke kakhulu.

282
00:22:32,440 --> 00:22:36,975
Kuyathakazelisa ukuqaphela ukuthi umthetho
ophakanyisiwe mayelana nemali esandleni awubeki mthwalo noma

283
00:22:36,975 --> 00:22:39,440
ukuphoqelelwa ukwamukela imali esandleni ekuthengiseni.

284
00:22:39,440 --> 00:22:41,480
Okungenani yilokho okushiwo.

285
00:22:41,480 --> 00:22:44,542
Lokho empeleni kuyihlanya ngokwalo.

286
00:22:44,542 --> 00:22:50,281
Lokhu kusho ukuthi esikhathini esizayo sizoba nemali
esemthethweni ezimbili ezihlukene – i-e-euro kanye

287
00:22:50,281 --> 00:22:54,318
nemali engaphansi kwesikhundla, okungukuthi imali esandleni.

288
00:22:54,318 --> 00:22:58,444
Futhi konke, njengokujwayelekile
ngokupheliswa kwemali, kwenzeka ngokungahleliwe.

289
00:22:58,444 --> 00:23:04,230
IKhomishini YaseYurophu igcwele
abameli, osomnotho nabaphathi bebhizinisi.

290
00:23:04,230 --> 00:23:11,559
Futhi kwenzeka benze iphutha, okungukuthi:
imali – akukho mfuneko yokuyamukela ezitolo.

291
00:23:11,559 --> 00:23:14,006
Hhayi, lokho kumangalisayo kakhulu, ngicabanga.

292
00:23:14,006 --> 00:23:21,781
Kodwa manje sinethuba, okungukuthi sithathe isinyathelo.

293
00:23:21,781 --> 00:23:25,994
Umnyango uzovalwa futhi ezinyangeni ezizayo.

294
00:23:25,994 --> 00:23:33,185
Le mali izobekwa ngokulingana ne-e-euro,
futhi izoba yimpoqo kubathengisi ukuyamukela.

295
00:23:33,185 --> 00:23:36,960
Lokhu kubaluleke ngempela, kubaluleke ngempela.

296
00:23:36,960 --> 00:23:43,453
Manje-ke kumele sibeke ingcindezi enkulu kubathathi bezinqumo
ukuze siqinisekise ukuthi lokhu nakho kuyintando yabantu.

297
00:23:43,453 --> 00:23:47,841
Ngakho-ke ngasungula isicelo ngenhloso yalokhu.

298
00:23:47,841 --> 00:23:56,640
Lena isicelo ku-www.bargelderhalt.eu,
lapho okwamanje sineziginesha eziyi-126,000.

299
00:23:56,640 --> 00:23:59,039
Inkinga ithi akwanele.

300
00:23:59,039 --> 00:24:04,811
Kumele siqinisekise ukuthi imela abantu bonke.

301
00:24:04,811 --> 00:24:12,609
Ngakho-ke ngicela nje – futhi lokhu kuwusizo olukhulu
namuhla – ukuthi usayine isicelo, usidlulisele kwabanye, njll.

302
00:24:12,609 --> 00:24:19,345
Ngesikhathi sisungula isicelo, sathumela
udaba lwabezindaba emaphephandabeni angama-350.

303
00:24:19,345 --> 00:24:23,085
Futhi sathola izimpendulo ezintathu kuphela.

304
00:24:23,085 --> 00:24:27,713
Futhi impendulo yayingathi: Sicela
ungaphinde usibhalele esikhathini esizayo.

305
00:24:27,713 --> 00:24:30,440
Lokho, kunjalo, kuwuphawu lokuthi izinto zimbi kakhulu.

306
00:24:30,440 --> 00:24:35,158
Kodwa-ke, sesithole amavoti angu-126,000 kuze kube manje.

307
00:24:35,158 --> 00:24:38,537
Kodwa sidinga okungenani izinkulungwane ezingama-300,000.

308
00:24:38,537 --> 00:24:45,137
Ngisho ukuthi empeleni sidinga ukufinyelela kumamilioni
ukuze ngikwazi ukucindezela izikhungo zikahulumeni ezifanele.

309
00:24:45,137 --> 00:24:49,311
Ngokomqondo, noma ubani angasayina lesi sicelo,
kungakhathaliseki ukuthi bangama-Austria –

310
00:24:49,311 --> 00:24:52,289
izakhamuzi zaseSwitzerland nazo zingakwenza ngokomqondo.

311
00:24:52,289 --> 00:24:55,443
Kumele nje sivote sisekela lesi sicelo.

312
00:24:55,443 --> 00:25:02,135
Futhi nansi isicelo sokuthi imali engu-cash yamukelwe njengemali
esemthethweni ezitolo, futhi, impela, yizikhungo zikahulumeni.

313
00:25:02,135 --> 00:25:04,430
Lokho ngokuyisisekelo kuyisidingo kanye nesisombululo.

314
00:25:04,430 --> 00:25:07,839
Inkinga ithi, kuzonqunywa kulo nyaka!

315
00:25:07,839 --> 00:25:11,152
Lokho kusho ukuthi sisenesikhathi esincane kakhulu kakhulu.

316
00:25:11,152 --> 00:25:17,317
Lokhu ngokwemvelo kuvusa umbuzo: kangakanani iPalamente
YaseYurophu empeleni ehlanganiswe ngamalungu anesibopho azinqumela

317
00:25:17,317 --> 00:25:20,780
ngokwabo ukuthi acabanga kanjani ngempela nokuthi afuna ini?

318
00:25:20,780 --> 00:25:22,800
Abaningi nabo abanaso isidingo sobuchwepheshe.

319
00:25:22,800 --> 00:25:26,511
Siyazi ukuthi kwezinye izimo izinqumo zeqembu
lePhalamende zivunywa nje ngaphandle kokucubungula.

320
00:25:26,511 --> 00:25:32,359
Futhi lokhu kuxazululwa ngasese ePhalamende laseYurophu
ngisho nangaphezulu kunaseziphalamende zezizwe, ngokuthi.

321
00:25:32,359 --> 00:25:35,753
Lokho kusho ukuthi ingcindezi lapha
kuzofanele ibe mkhulu. Ngaphezu kwakho konke,

322
00:25:35,753 --> 00:25:38,079
ingcindezi yomphakathi kuzofanele ibe mkhulu.

323
00:25:38,079 --> 00:25:46,228
Ngakho-ke manje, ukuze sinike inani, uhlelo lobukhulu. Ungasho
ukuthi bangaki "abafakizicelo" abafanele

324
00:25:46,228 --> 00:25:54,619
ukuze kutholakale impumelelo yangempela –
eqhuba ngempela ukuvukela okubucayi ePhalamende?

325
00:25:54,619 --> 00:25:56,347
iPhalamende liyinto eyodwa.

326
00:25:56,347 --> 00:26:02,820
Umthetho ophakanyisiwe okwamanje uyaxoxwa
yiKomidi le-ECON lePhalamende laseYurophu, futhi

327
00:26:02,820 --> 00:26:06,196
kulesi sigaba kusengaba nezinguquko ezenziwa.

328
00:26:06,196 --> 00:26:09,562
Lokhu kusho ukuthi isinyathelo sokuqala
ukwandisa ingcindezi eKomidi le-ECON.

329
00:26:09,562 --> 00:26:11,599
Ngiyenza izinto eziningi ukuze ngikufeze lokhu.

330
00:26:11,599 --> 00:26:20,720
Mhlawumbe nje ukuze wazi: ngenxa yengxenye yesicelo semali,
sesakhe umphakathi onezinhlangothi ezingu-65 000 okwamanje.

331
00:26:20,720 --> 00:26:27,931
Lokhu kusho ukuthi sizama ukusungula ilobhi
yemali ukuze sikwazi ukwenza izenzo ngokubambisana.

332
00:26:27,931 --> 00:26:30,799
Futhi senza neminye imisebenzi yokubamba iqhaza.

333
00:26:30,799 --> 00:26:37,839
Okwamanje sizama ukusondeza iKomidi le-ECON entshenzweni
yabantu ngokuhlela imikhankaso emikhulu yokubhala izincwadi.

334
00:26:37,839 --> 00:26:41,734
Abantu abayinkulungwane namakhulu amathathu babambe
iqhaza emkhankasweni wokugcina wokubhala izincwadi.

335
00:26:41,734 --> 00:26:44,158
Futhi, kunjalo, izincwadi ezihambisanayo ziyathunyelwa.

336
00:26:44,158 --> 00:26:47,015
Lokhu kusho ukuthi kumele siqale ukucindezela iKomidi le-ECON.

337
00:26:47,015 --> 00:26:52,352
Noma kunjalo, kumele kwakhiwe ukuqwashisa okusha
ngalolu daba phakathi kwabantu kanye nasezepolitiki.

338
00:26:52,352 --> 00:26:54,759
Ngakho-ke, iphuzu elibaluleke kakhulu kakhulu.

339
00:26:54,759 --> 00:27:01,200
Imali kumele ifakwe emthethweni – okusho ukuthi
kumele yamukelwe ezitolo nasezinhlanganweni zikahulumeni.

340
00:27:01,200 --> 00:27:07,521
Ngibuza nje ngoba, njengoba ngishilo, ama-146,000 – uma
uthi empeleni asakazeke eYurophu yonke – awaningi kangako.

341
00:27:07,521 --> 00:27:09,000
Lokho kusho ukuthi kumele kube khona okuningi kakhulu.

342
00:27:09,000 --> 00:27:15,319
Ngakho-ke umbuzo uthi: ungathi yini—iyini
inhloso lapha ukuze empeleni uthole amaphuzu?

343
00:27:15,319 --> 00:27:19,519
Yebo, ngicabanga ukuthi sidinga ukufinyelela umkhawulo wemillion.

344
00:27:19,519 --> 00:27:22,200
Ngikhuluma ngokuqinisa kakhulu ngeJalimane okwamanje.

345
00:27:22,200 --> 00:27:25,939
Lokho okwamanje akubonakali kahle.

346
00:27:25,939 --> 00:27:27,559
Futhi lapho sekuyizigidi, siqala ukuzwa ingcindezi.

347
00:27:27,559 --> 00:27:31,524
Lokhu akuyona imicabango nje yokufisa; kumele senze okuthile.

348
00:27:31,524 --> 00:27:40,285
Bengihambela uhambo lokunikeza izinkulumo futhi
ngizamile ukusungula ukuxhumana okuseduze nabasabalalisi.

349
00:27:40,285 --> 00:27:44,592
Lokho kusho ukuthi kusukela namuhla
ngiyeka uhambo lwami lokunikeza izinkulumo.

350
00:27:44,592 --> 00:27:51,281
Ezinyangeni ezimbili ezizayo, ngizogxila kakhulu kumachaneli
e-YouTube angimema ezingxoxweni ukuze

351
00:27:51,281 --> 00:27:58,077
ngikhuphule ukuqwashisa ngalesi sicelo – ukuze
ngempela sifinyelele kulowo mbhalo wabasigidi.

352
00:27:58,077 --> 00:28:07,228
Ngempela ngicela usizo: uma unoxhumano nabaphrinta,
amaphephandaba, njll., ngicela usungule uxhumano ukuze ngikwazi

353
00:28:07,228 --> 00:28:11,349
ukwethula lesi sicelo – futhi ukuze sithole ukubonakala.

354
00:28:11,349 --> 00:28:15,556
Khona-ke ingafinyelela kalula kumkhawulo wemiliyoni.

355
00:28:15,556 --> 00:28:17,400
Ngidinga usizo lwabo bonke kulokhu.

356
00:28:17,400 --> 00:28:21,599
Lokho futhi kungenye yezizathu eziyinhloko engimi lapha namuhla.

357
00:28:21,599 --> 00:28:23,940
Ngiyabonga kakhulu ngalokho.

358
00:28:29,429 --> 00:28:31,720
Futhi wawusho kafushane ngaphambilini ekuchazweni kwenkinga.

359
00:28:31,720 --> 00:28:36,165
– Impela, umbuzo: ikhadi kolunye uhlangothi, imali kolunye?

360
00:28:36,165 --> 00:28:38,119
Ngokomqondo, kufana nohlobo lwesinqumo sokhetho.

361
00:28:38,119 --> 00:28:41,097
Lokho kusho ukuthi, ngokomqondo, nawe
ungakwazi ukwenza okuthile ngokwakho ngokukhokha

362
00:28:41,097 --> 00:28:43,440
ngemali esandleni ngangokunokwenzeka, akunjalo?

363
00:28:43,440 --> 00:28:47,410
Ngakho-ke isihloko sanamuhla
sithi "Umhlali Onomthwalo Wemfanelo".

364
00:28:47,410 --> 00:28:54,079
Lokhu kusho ukuthi, ukuze izakhamuzi zibe nezibopho, sidinga
kuqala inkululeko yokukhetha nokwazi ukuthi yini esiyibangela.

365
00:28:54,079 --> 00:29:01,421
Siyazi ukuthi amabhange aphakathi
axhumanisa ikusasa lemali esandleni nesidingo.

366
00:29:01,421 --> 00:29:07,191
Ngokubuka lokhu, empeleni kunjalo ukuthi
njengamanje sinedemokhrasi eqondile maqondana

367
00:29:07,191 --> 00:29:11,962
nemali – ngoba kunephepha lokuvota lokugcina imali.

368
00:29:11,962 --> 00:29:17,590
Futhi iphepha lokuvota libukeka kanje, isibonelo.

369
00:29:17,590 --> 00:29:24,906
Lokhu kusho ukuthi asivoti njalo eminyakeni emine,
njengokhetho lukazwelonke, njll., kodwa kunalokho:

370
00:29:24,906 --> 00:29:29,920
Sikhetha imali nsuku zonke ngazo zonke izinto esizithenga!

371
00:29:29,920 --> 00:29:35,226
Lokho kusho ukuthi kuwumsebenzi wabantu
abanomthwalo wemfanelo ukuqaphela ukuthi kumele

372
00:29:35,226 --> 00:29:38,559
sigcine isidingo semali siphezulu ngangokunokwenzeka.

373
00:29:38,559 --> 00:29:41,812
Lokho yinto ebaluleke kakhulu,
okungukuthi ukuqaphela leli qiniso.

374
00:29:41,812 --> 00:29:49,703
Lokho kusho ukuthi lapho siya emaziveni ngokulandelayo,
sinikela iphepha lethu lokuvota ukuze sigcine imali

375
00:29:49,703 --> 00:29:54,880
– kodwa kukhona futhi iphepha lokuvota lokususa imali.

376
00:29:54,880 --> 00:30:00,626
Futhi unokukhetha ukusho: Kulungile,
ngizokhokha ngokhadi noma ngocingo lweselula.

377
00:30:00,626 --> 00:30:05,599
Futhi ngokuthi lokho, awusho lutho ngaphandle
kokuthi: ngisekela ukususwa kwemali esandleni.

378
00:30:05,599 --> 00:30:07,440
Yilokho okuyisisekelo salokhu.

379
00:30:07,440 --> 00:30:16,312
Isizathu engimi lapha phambi kwakho nje
ukuchazela abantu abakubangela ngenxa yezenzo zabo.

380
00:30:16,312 --> 00:30:20,126
Yebo, futhi ngingathanda ukubona izakhamuzi
ezinomthwalo wemfanelo ezizindla ngalokhu:

381
00:30:20,126 --> 00:30:26,839
Engikubangela ngaleli phepha lokuvota, naleli phepha lokuvota.

382
00:30:26,839 --> 00:30:29,532
Lena yiyo kuphela isizathu – ngifuna
izakhamuzi ezikwazi ukwenza izinqumo zazo.

383
00:30:29,532 --> 00:30:33,839
Futhi kubalulekile ukuthi izakhamuzi
ezinomthwalo wemfanelo zazi kahle kakhulu ngalesi sihloko.

384
00:30:33,839 --> 00:30:35,740


385
00:30:43,432 --> 00:30:45,999
Umbuzo okwamanje ubuzwa ukuthi
isicelo sizohlala isikhathi esingakanani.

386
00:30:45,999 --> 00:30:52,086
Kuzoqhubeka kuze iPhalamende laseYurophu livote ngakho.

387
00:30:52,086 --> 00:30:57,516
Ngingathi izoqhubeka kuze kube u-Okthoba 2025 okungenani.

388
00:30:57,516 --> 00:30:59,254
Kumele sibone ukuthi ingabe kufika ngaphambi kwalokho.

389
00:30:59,254 --> 00:31:08,319
Kodwa cishe ngeke kube ngo-2025, ngoba yilapho i-e-euro
elindeleke ukungena esigabeni sayo sesithathu sokuthuthukiswa.

390
00:31:08,319 --> 00:31:09,720
Yebo, ngiyabonga kakhulu ngokuhlaziywa kwakho.

391
00:31:09,720 --> 00:31:15,056
Futhi yingakho imicimbi efana nale ehlelwe
ngu-Erwin Rigo ibaluleke kangaka, ukuze sikwazi ukukhulisa

392
00:31:15,056 --> 00:31:17,830
ukuqwashisa ngalezi zindaba emphakathini jikelele.

393
00:31:17,830 --> 00:31:20,896
Ngoba abantu abaningi bayakwenza, ikakhulukazi inani
elikhulu kakhulu lapha kulesi sikamelo, kodwa

394
00:31:20,896 --> 00:31:22,992
abaningi emphakathini jikelele abakwenzi. Yebo, ngeshwa.

395
00:31:22,992 --> 00:31:25,032
Yebo, futhi ngithanda ukwengeza okuthile kulokho.

396
00:31:25,032 --> 00:31:29,119
Ungasayina wena uqobo ku-www.bargelderhalt.eu.

397
00:31:29,119 --> 00:31:35,279
Futhi uma ukhetha ibhokisi lapho, uzoba
yingxenye yomphakathi ngokuzenzakalelayo.

398
00:31:35,279 --> 00:31:40,367
Kusho ukuthi ngabe ungathanda ukwaziswa
ngenqubekela phambili eyengeziwe yesicelo.

399
00:31:40,367 --> 00:31:42,594
futhi-ke uba yingxenye yomphakathi.

400
00:31:42,594 --> 00:31:44,568
Umphakathi ubaluleke kakhulu.

401
00:31:44,568 --> 00:31:51,013
Ngoba noma siphumelela ngesicelo,
kuzomisa kuphela ukuwa kwemali ngokushesha.

402
00:31:51,013 --> 00:31:55,466
Kodwa izinyathelo zokumaketha zemboni yezimali ziya phambili.

403
00:31:55,466 --> 00:32:02,121
Lokhu kusho ukuthi kumele sizilungiselele; kumele sakhe
umkhankaso wokuthola imali, ngenxa yenkululeko yethu.

404
00:32:02,121 --> 00:32:04,688
Amazwi okuvala kanye nesifinyezo esihle kakhulu.

405
00:32:04,688 --> 00:32:08,160
Inhlanhla ngalokho, futhi uqhubeke nomsebenzi omuhle kulesi simo.

406
00:32:08,160 --> 00:32:10,099
Ngiyabonga.

407
00:32:23,173 --> 00:32:27,060
Ukuze uphendule imibuzo esele
ingaphendulwanga engxoxweni: Kungani ukwenza lokhu?

408
00:32:27,060 --> 00:32:29,580
Kungani imali ngempela incishiswa?

409
00:32:29,580 --> 00:32:41,019
- okusadingeka kuphendulwe, sizophetha umnikelo
onentshisekelo kaMnu. Stützle ngokukhombisa uhlelo lwe-Kla.TV

410
00:32:42,839 --> 00:32:47,288
Ukususwa kwemali ngenxa yokufuna amandla ngokunganaki

411
00:32:47,288 --> 00:32:57,271
Uhulumeni waseMelika ungomunye wamandla anamandla abhekele
ukususwa ngokushesha okukhulu kwemali ebusweni bomhlaba wonke.

412
00:33:37,703 --> 00:33:06,361
Ngosizo lwe-US Agency for International Development
(USAID), i-Better than Cash Alliance yasungulwa ngo-2012.

413
00:33:06,361 --> 00:33:12,309
Kusukela lapho, lokhu sekusetshenziswe ukukhuthaza
ngobuningi ukuqedwa kwemali esezandleni emhlabeni wonke.

414
00:33:12,309 --> 00:33:17,852
Isizathu salokhu ukuzibophezela kwe-US ukuthi
ukuthengiselana kokukhokha ngaphandle kwemali

415
00:33:17,852 --> 00:33:21,399
emhlabeni wonke kubuswa izinkampani zase-US.

416
00:33:21,399 --> 00:33:28,998
Lokhu ngokungaqondile kuvumela uhulumeni wase-US ukuthi alandele
ukuthengiselana kwezimali kwamanye amazwe, amabhange, izinkampani

417
00:33:28,998 --> 00:33:34,434
ngisho nabantu ngabanye, futhi abavimbe
ekuthengiselweni kwemali ngaphandle kwemali esandleni

418
00:33:34,434 --> 00:33:38,058
uma bengaziphathi ngokuhambisana nezifiso zawo.

419
00:33:38,058 --> 00:33:45,977
Lokhu kumela isici samandla esesabekayo, esingase manje
sibe cishe sikhulu njengobukhosi bezempi base-United States.

420
00:33:45,977 --> 00:33:52,715
Ngokunciphisa ukusetshenziswa kwemali,
amandla e-USA akhula ngokuzenzakalelayo.

421
00:33:52,715 --> 00:34:00,000
Manje sizohlola indlela abayithathile laba bacebisi bezimali
yokwandisa amandla abo ngokusebenzisa abahlinzeki abakhulu

422
00:34:00,000 --> 00:34:04,897
bezinsizakalo zokukhokha noma izinhlelo
zamabhange zamazwe ngamazwe, sisebenzisa

423
00:34:04,897 --> 00:34:09,477
izibonelo ezimbalwa ezivela emhlabeni wonke:

424
00:34:09,477 --> 00:34:18,401
Umhlinzeki wamazwe ngamazwe wezinsizakalo zokukhokha, i-VISA,
wethule izinyathelo eziqinile zokushintsha izinkokhelo zemali.

425
00:34:18,401 --> 00:34:24,837
Ngebhajethi engafika ku-US$500,000, amabhawa,
amakhefi nezindawo zokudlela e-United States zizothola

426
00:34:24,837 --> 00:34:30,001
uxhaso lwezimali uma ziyeka ukwamukela imali esandleni.

427
00:34:30,001 --> 00:34:36,129
Ngaphezu kwalokho, i-VISA yazama ukuthonya uhulumeni
waseBulgaria ukuba anciphise umkhawulo wemali

428
00:34:36,129 --> 00:34:40,487
esontweni ezinyathelweni ezimbili ukuze ube cishe ama-€500.

429
00:34:40,487 --> 00:34:46,377
Amanani avela e-USA afakazela ukuthi kule ndaba
kunezithakazelo zomnotho ezibonakalayo ezibekwe engcupheni.

430
00:34:46,377 --> 00:34:53,990
Ngo-2018, izinkokhelo zamakhadi esikweletu kuphela
zadala izindleko ezingama-90 billion ama-US dollar lapho.

431
00:34:53,990 --> 00:34:58,955
Imali eyayikhokhwa kakhulu amakhasimende
futhi yangena eziphongolweni zabahlinzeki

432
00:34:58,955 --> 00:35:01,935
bezinsizakalo zokukhokha ngaphandle kwemali.

433
00:35:01,935 --> 00:35:07,006
Kodwa lezi aziyona imiphumela kuphela
yokwanda kokususwa kwemali esontweni.

434
00:35:07,006 --> 00:35:13,737
Izinguquko ezinkulu eGrisi zinikeza umbono
ngemiphumela yokususwa kwemali esandleni.

435
00:35:13,737 --> 00:35:19,200
Lapho, izakhamizi zibhekana nezijeziso zentela uma zingakwazi
ukwenza izinkokhelo ezanele ezingenamali,

436
00:35:19,200 --> 00:35:24,829
kanti amabhizinisi aphoqeleka ukuthi angene
ezivumelwaneni nezinkampani ezifana ne-VISA.

437
00:35:24,829 --> 00:35:33,211
Imali egcinwe ekhaya kumele ibikwe
eziphathimandla futhi izobanjwa uma umthombo wayo ungafakazeki.

438
00:35:33,211 --> 00:35:38,875
Futhi lapha yilapho izintshisekelo zezindawo
ezimbili – abahlinzeki bezinsizakalo zokukhokha kanye

439
00:35:38,875 --> 00:35:42,441
nezinhlelo zebhange zamazwe ngamazwe – zihambisana:

440
00:35:42,441 --> 00:35:49,379
Ingxenye elandelayo icacisa ukuthi lezi zindawo zihlangana
ndawonye njengeziguqa zomshini wamawashi ukuze kutholakale

441
00:35:49,379 --> 00:35:54,295
ukulawula izinsiza zezimali, kuze kufike ezakhiweni ezizimele.

442
00:35:54,295 --> 00:35:59,786
Ukuze kuvuselelwe umnotho, i-ECB isebenze
iminyaka ngokwehlisa izinga lenzalo eliyinhloko.

443
00:35:59,786 --> 00:36:06,036
Njengoba izinga lenzalo elingezansi kwe-zero kuma-akhawunti
wokonga liholela ekuthathweni kancane kwempahla, abatshalizimali

444
00:36:06,036 --> 00:36:10,025
bangazivikela ekulahlekelweni kwenani ngokukhipha imali yabo.

445
00:36:10,025 --> 00:36:17,900
Nokho, lokhu ukuzimela ekuphatheni izimpahla
zakhe kukhawulela ikhono le-ECB lokuthonya.

446
00:36:17,900 --> 00:36:24,976
Iphepha lokusebenza le-IMF mayelana nokusetshenziswa kohlelo
lwenzalo engekho ngokuhle manje liphakamisa ukubeka

447
00:36:24,976 --> 00:36:33,197
imali yokushintshanisa kwemali ebhekisela kuleso silinganiso
senzalo esisetshenziswa ezimpahleni ezitshalwe imali.

448
00:36:33,197 --> 00:36:45,260
Ngenxa yenzalo engemuhle engu-5%, uzothola ama-euro
angu-95 ngemali esandleni uma ukhipha ama-euro angu-100 ku-ATM.

449
00:36:45,260 --> 00:36:53,142
Umphumela wukuthi ukuthandeka kwemali
njengendlela yokonga nendlela yokukhokha kuzokwehla

450
00:36:53,142 --> 00:36:59,437
kakhulu, kuvule indlela yokuyiqeda ngokuphelele.

451
00:36:59,437 --> 00:37:06,601
Profesa Hans-Werner Sinn, owayengumongameli
we-ifo Institute nomeluleki wezomnotho, uphawula:

452
00:37:06,601 --> 00:37:12,777
Uma i-ECB ifuna ukususa imali yesiliva
ye-euro, iJalimane kumele ibuyisele i-DM.

453
00:37:12,777 --> 00:37:17,303
Imali iyisici esibalulekile senkululeko.

454
00:37:17,303 --> 00:37:21,596
Imali isho inkululeko yokukhetha.

455
00:37:21,596 --> 00:37:28,164
Ngakho-ke kuyigugu kashumi kumuntu ongakaze athole lutho ngakho.

456
00:37:28,164 --> 00:37:32,641
Fyodor M. Dostoevsky, umbhali waseRussia.

457
00:37:39,783 --> 00:37:46,720
Babukeli abathandekayo, imibiko eyengeziwe ngalesi sigameko
eDornbirn isivele iyatholakala ukuze nibuke ku-HOCH2.TV.

458
00:37:46,720 --> 00:37:49,179
Uzothola izixhumanisi ngaphansi kwale nkqubo.

459
00:37:49,179 --> 00:37:53,613
Sifisa ukuthatha leli thuba ukubonga
i-HOCH2.TV ngokubambisana kwabo okuhle kakhulu.