WEBVTT

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Ngo-29 Mashi 2025, iKulturhaus Dornbirn yabamba umcimbi othi
"Inkululeko Nokuzinqumela – Umuntu Ophathelene

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Nemfanelo" onezethulo ezithakazelisayo mayelana
nokubusa komthetho, ubukhosi nokuphathelene nemali.

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Lo mcimbi wahlelwa yi-Academy for Personal Development eDornbirn.

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I-HOCH2.TV ishicilele futhi yahlela
zonke izindaba kini, babukeli abathandekayo.

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Namuhla, i-Kla.TV ikwethula ingxoxo noHansjörg
Stützle mayelana nokususwa kwemali esontweni.

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Manje sifika kuMnu Hansjörg Stützle
nodaba lokugcinwa kwemali nokususwa kwemali.

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Futhi kuhambisana ngendikimba, nakuba kunezinguquko encane.

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Mnumzane Stützle othandekayo, mhlawumbe
kuqala ngibuze umbuzo omfishane kuwe.

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Waba kanjani ngokuzibandakanya ngokujulile kangaka
endabeni yokukhansela noma yokugcina imali esandleni?

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Yebo, kahle, kimi kwakuyisikhathi
eside kakhulu, cishe iminyaka engu-25.

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Futhi kuqala nje ngokombono wezokuqonda, ngoba
kukhona abaphikisi ohlelweni lokukhokha ngaphandle kwemali.

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Futhi lokho ikakhulu umkhakha wezezimali.

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Cishe eminyakeni engu-25 edlule, kwakucacile
kimi ukuthi le ndaba izovela ngesinye isikhathi.

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Ngoba imali ebhange isongela imodeli
yebhizinisi labo ngendlela yokugijima kwabantu ebhange.

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Lokhu kusho ukuthi imboni yezimali ngokuyisisekelo
ihlala ingaphansi kwengcindezi yokugcina ukwethenjwa

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komphakathi ohlelweni lwezimali kulesi zinga elithile.

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Uma lokhu kwehla ngaphansi komkhawulo othile,
izakhamuzi ziyakhathazeka bese ziya ebhange.

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Ufuna imali, ufuna ukuyiletha ngaphansi kokuthonya kwakhe.

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Kanti-ke kwakha imigqa, bese
kwenzeka ukugijima emabhange, njalo njalo.

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Kanti-ke, kunjalo, kwenzeka inhlekelele enkulu.

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Kwakucacile kimi ngaleso sikhathi ukuthi
kwakungekho ukubonakala kokususwa kwemali.

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Kodwa-ke, ngesikhathi senhlekelele yezimali sango-2007
kuya ku-2009, kwabonakala lokhu ngokusobala nangamandla.

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Cishe akekho owazibonayo,
ikakhulukazi ngokuvinjelwa kwemali yangempela.

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Futhi akuzange kuthinte ukunakwa okuningi ngoba
kwachazwa ngesisho esihle, okungukuthi imingcele yemali.

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Umkhawulo wemali usuyinqaba yemali ngaphezulu komkhawulo othile.

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EYurophu – lapho kwaqala khona –
sinezinhlaka eziyi-18 ezinemikhawulo yokuvinjelwa

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kwemali esidlulele ngaphezu komkhawulo othile.

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IGrisi, isibonelo, izwe elinomkhawulo
wemali esezansi kakhulu ongu-€500 kuphela.

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Lokhu kusho ukuthi uma uya eGrisi manje futhi ufuna ukukhokha
ibhili yehhotela engu-501 ama-euro, akuvunyelwe ngumthetho

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futhi kunesijeziso somthetho uma ukhokha ngemali esandleni.

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IGrisi isivele yazama kabili
ukunciphisa umkhawulo wemali ube ngu-€200.

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Kodwa lokho kwakungeke kwenzeke ngoba inothi
lama-euro angama-500 lisemthethweni njengemali.

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Futhi yilona kuphela isizathu esenza
singabi nemingcele yemali esiphansi.

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Yebo, futhi lezi zintuthuko ngokusobala azaziwa
abantu abaningi ezimpilweni zabo zansuku zonke.

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Ngakho-ke abanye abantu bayamukela nje.

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Ngicabanga ukuthi eJalimane cishe
kungama-euro ayizinkulungwane eziyishumi.

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Noma yilolo ulwazi lwami?

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Cha, okwamanje akukho mkhawulo wemali
esitolo (indawo yokuthengisa) eJalimane.

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Ngisho nasezidiphozini, ngakho-ke yilona ibopho lokuhlinzeka
ubufakazi bokuhlanza imali yentela nokunye okunjalo?

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Ngempela, ngakho-ke abathengisi banesibopho sokugcina
amarekhodi, kodwa kusukela ngo-2027 kuzosebenza

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umkhawulo wemali esandleni we-€10,000 kulo lonke elaseYurophu.

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Lena yindaba.

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Amakhaya asevele engaphansi kwalelo zinga angakugcina.

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Ungasetha umkhawulo wemali ongaphansi
kuka-£10,000 nganoma yisiphi isikhathi.

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Futhi uchaza kanjani ukuthi kusekhona
ukuqwashisa okuncane ngale nkinga kulesi sifunda?

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Ingabe izakhamuzi mhlawumbe
azikakayazi ubukhulu besongo semali yazo?

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Impela cha.

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Ngisanda kubuya ohambweni olude kakhulu lwezinkulumo.

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Kusukela ngoJanuwari, bengihamba
ngihlose kuphela ukunikeza izinkulumo.

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Uma ngikhuluma amahora amabili ngemishini esekela
ukususwa kwemali esandleni, abantu abaningi bathi:

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Bengazi ukuthi bekuyinkinga, kodwa angizange
ngiqaphele ukuthi bekuyiphikisana kangaka.

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Kodwa uma ulalela iDeutsche Bundesbank,
konke kubonakala kulungile ngokuphelele.

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Basithembisa ukuthi kunemali eyanele
nokuthi ukuqhubeka kwayo kukhona kuqinisekisiwe.

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Ngokuvamile, kubhekwa kuphela lokho
okucatshangwa ukuthi umphakathi uyakufuna.

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Sikulungiselele ukurekhoda okuncane.

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Ehlobo eledlule, ngikholelwa ukuthi
wawuyisivakashi eSüdwestrundfunk, umsakazo

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womphakathi waseJalimane ophethwe yi-ARD.

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Lokho kwakuyisihloko ngqo.

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Mhlawumbe sizobheka futhi ngokushesha.

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Hhayi-ke, nginowesivakashi ofanele
ngqo esitudiweni ozophendula lo mbuzo.

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Stefan Hardt usiphambili.

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Uhola iSebe Lezimali Esiphakathi eBundesbank.

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Ubusuku obuhle.

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Ubusuku obuhle.

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Uzohlala isikhathi esingakanani, i-Bundesbank
izoqhubeka isingakanani isikhathi isihlinzeka ngemali entsha?

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Njengoba izakhamuzi zifuna ukusebenzisa imali esandleni.

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Ingabe lokho kusebenza kuwo wonke amaphepha
emali, nakuzo zonke izingcezu zemali encane?

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Yebo, impela.

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Ngokuyisisekelo, iningi elikhulu labantu basezwe
lithi lifuna ukuba nenketho yokukhokha ngemali esandleni.

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Lokho cishe kungama-93 ekhulwini kwabantu abafuna lokhu.

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Futhi akuwona wonke azenza kanjalo.

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Kodwa okungenani bangathanda ukuba nenketho yokukhokha ngemali.

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Futhi inqobo nje uma abantu befuna
ukukhokha ngemali, sizokuqhubeka nokuyinikeza.

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Abathandi bemali manje bangaphefumula ngokukhululeka.

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Ngizwa isisindo sikhishwa emahlombe akho, Mnu. Stützle?

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Impela cha, ngoba sekushiwo ngokusobala: inqobo nje uma
kukhona isidingo, iDeutsche Bundesbank izohlala iyigcina.

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Futhi yilokho inkinga yonke.

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Ungase futhi ufune ukuchaza ukuthi isidingo siyini.

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Iphesenti lokukhokha ngemali kumele libe liphezulu kangakanani?

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Ngakho-ke, ekugcineni, kusezandleni zethu njengabantu bomphakathi
ukunquma – ngabe sikhokha ngokhadi noma ngemali esandleni?

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Lokho ngokuyisisekelo yilokho esikushoyo
lapha maqondana nokukhokha ngamakhadi.

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Ngisekela ukususwa kwemali esandleni,
noma ngisekela ukugcinwa kwemali esandleni.

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Ngakho-ke kuwumqondo obalulekile okufanele siwucabangele lapha.

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Futhi ngeshwa, izakhamuzi azisenayo imali
ephathekayo ezandleni zabo ngoba umnotho

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usuhambele phambili ekwenqabeni imali ephathekayo.

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Lokho kusho ukuthi manje sekukhona abathengisi
lapha eJalimane abenqaba ukwamukela imali esandleni.

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Futhi siyazi ukuthi, ngokususelwa
kulokhu, imali ayinakusinda esikhathini eside.

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Ngoba umnotho unquma ukuthi thina,
njengabantu besizwe, sinenketho yokukhokha ngemali.

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Yebo, ngicabanga ukuthi umbhange akazange abukeke
ejabule lapho usho lelo gama lokugcina, akunjalo?

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Yebo, lokho kwakungeyona ngempela into ayecabanga yona.

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Ngezinye izikhathi ngizwa sengathi iDeutsche Bundesbank inomthwalo
wemfanelo wokuhlala iqinisekisa abantu, ibaqinisekisa:

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Imali iphephile.

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Kodwa ekugcineni, bayixhumanisa nesidingo.

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Ngabuza umbuzo: I-Deutsche Bundesbank iqonda
kanjani isidingo – futhi akazange aphendule.

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Kukhona nje indlela ethile ehileleka
ekususweni kwemali, engifisa ukuyichaza kancane.

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Siphinde silungiselele umdwebo walokhu.

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Lokho kuyiphuzu elibaluleke kakhulu.

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Kuyiqiniso ukuthi, ngempela, lezi
zakhiwo ziyasusa imali esandleni.

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Futhi ngizama ukuchaza into evamise ukungithatha amahora amabili.

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Ngizozama lokho ngemizuzu emihlanu.

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Isikhathi siyaphela, kulungile.

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Ngakho-ke, ohlangothini lwesobunxele, singabona ukuthi
kudingeka kusethwe ingqalasizinda yokukhokha ngaphandle kwemali.

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Kwakuyiphrojekthi enkulu kakhulu
eyathatha iminyaka eminingi ukuyiqeda.

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EJalimane, okungenani, kungathiwa seyiphelele.

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Futhi lapha e-Austria, mhlawumbe
okwamanje akukakafiki ezindlini zasentabeni.

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Kodwa ngaphandle kwalokho, ingqalasizinda isivele ikhona.

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Lokho sekuyinqume ngokuyisisekelo.

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Ngakwesokudla, singabona ukuthi ukumaketha
nokuqinisa umsindo kwenzeka ngokwemvelo ngokumaketha.

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Amabhiliyoni atshaliwe ekukhuthazeni izinkokhelo zedijithali.

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Futhi abantu abaningi ekugcineni bangena
kulesi simiso bengacabangi ngakho kakhulu.

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Okudabukisayo kancane ukuthi umkhankaso
wokukhangisa wokulwa nemali nakho wawusetshenziswa.

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Ngeshwa, sabona lokhu ngesikhathi sobhubhane
we-coronavirus, lapho izimpawu zabekwa ezitolo:

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Ngenxa yezizathu zokuhlanzeka, sicela
ungakhokhi ngemali esandleni, njll.

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Futhi abantu abaningi bakholelwa
kulokho, baze bangena ohlelweni lwedijithali.

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Khona-ke sinendaba: ukwenqatshwa kwemali ngumnotho.

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Lena yindaba ephikisanayo kakhulu.

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Imali ngempela ifakwe emthethweni
emthethweni emithathu enamandla kakhulu:

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Eqinisweni, kuMthetho we-Bundesbank; kugcinwe eSimisweni se-ECB
nakuSivumelwano se-EU ngendlela yokuthi kunikezwe ilungelo

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lokuba imali esemthethweni futhi kumele yamukelwe ekuhwebeni.

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Lokhu kwaqaliswa ngo-2010 ngesiphakamiso
seKomishana – ngesisekelo sokuthi ngenxa yenkululeko

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yenkontileka abathengisi bangenqaba imali esandleni.

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Ngakho-ke bacabanga ukuthi inkululeko yenkontileka
ebhizinisini nasemkhakheni wokuhweba ibaluleke kakhulu.

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Lokhu sekugunyazwe futhi yiDeutsche Bundesbank.

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Siphinde saxoxa ngalokhu engxoxweni.

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Lokhu kuyiqhumane, kuyingozi kakhulu, ngoba le
ncazelo isho ukuthi manje sekuyiqiniso ukuthi

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abathengisi bavunyelwe ukwenqaba imali esandleni.

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Lokhu kusho ukuthi thina, njengabantu besizwe, asisenayo imali
esandleni sethu – okusho inkululeko yokukhetha – kodwa manje

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umnotho unquma ukuthi sivunyelwe ukukhokha ngemali noma cha.

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Lokho kuyiqiniso.

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Khona-ke sinenye ingxenye, okuyiyokwethulwa kwe-e-euro.

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I-e-euro kulindeleke ukuthi ingene
esigabeni sayo sesithathu ngo-Okthoba kulo nyaka.

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Kukhona umthetho ohlongozwayo
we-e-euro, okungukuthi umthethosivivinywa.

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Kulindeleke ukuthi iPhalamende
le-EU linqume ngalokhu ngo-Okthoba.

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Futhi-ke kungase kube ukuthi eminyakeni eyodwa, emibili
noma emithathu ezayo, sizoba nomncintiswano oqondile nemali

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ekukhokhweni endaweni yokuthengisa, okungukuthi ezitolo.

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Futhi lokho kubangela konke, vele.

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Lezi zibhloko ezintathu zenza izakhamuzi zisongelwe
kakhulu kulesi simiso futhi zifundiswe ukukhokha ngedijithali.

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Futhi manje nansi – futhi lokhu yikho okubaluleke kakhulu.

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– okungukuthi, "ibanga lokukhokha
ngemali" yigama elibaluleke kakhulu.

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I-Deutsche Bundesbank nayo yathi
engxoxweni lapha ukuthi bayixhumanisa nesidingo.

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Njengoba ngishilo, ngabuza iDeutsche
Bundesbank ukuthi bisho ukuthini ngokuthi 'demand'.

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Ngokubala kwami, kungamaphesenti ayi-15.

11:22.480 --> 11:24.840
Kungenzeka ukuthi umuntu
angaphikisana phakathi kuka-10 no-15 ekhulwini.

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Khona-ke ingqalasizinda yemali iqala ukuba sebizayo kakhulu.

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Khona-ke kusebenza okubizwa ngokuthi "umgomo wokulingana":

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Ingabe ingqalasizinda ibiza kakhulu uma
kuqhathaniswa nokuthi abantu basakhokha ngemali – bese iwa?

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Njengamanje sinesimo lapho izinga lokukhokha ngemali
ephathekayo eJalimane lehla ngo-4% ngonyaka, noma

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ngo-3.8% sekukonke – kodwa ngiyalilinganisa phezulu ku-4%.

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Uma i-e-euro yethulwa, lokhu kuzokhula ngokuphindaphindiwe futhi
masinyane sizothola sizisesimweni esifanayo namanye amazwe,

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njengeSweden nokunye, lapho izinkokhelo zemali esandleni zingase
zibe ngu-10 noma u-15 ekhulwini kuphela kuzo zonke izinkokhelo.

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Futhi-ke, ngeshwa, imali iyaphelelwa
yisikhathi ngenxa yezizathu engizichaze ngokufingqiwe

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lapha, ezivame ukungithatha amahora amabili.

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Engingathanda ukukwazi wukuthi: Ukuhamba
okuvamile kwezimali zedijithali kuthinta

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kanjani ukuziphatha ekukhokheni ngemali esandleni?

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Kukhona abahlinzeki abaningi kakhulu
asebesebenzisa i-crypto – ngakho-ke mhlawumbe isesigabeni sayo

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sokuqala, okungenani ekuthengisweni ku-inthanethi.

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Kodwa ezinkokhelweni ngemali esandleni, ezitolo,
ngabe sekuyenzeka kwezinye izimo eJalimane ukuthi

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ngempela ukhokhe into usebenzisa i-Bitcoin, isibonelo?

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Uma uphuma uyodla ipitsa, khokha nge-crypto.

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Ingabe lokhu kungaba yisongelo esengeziwe
emalini esandleni, ngokuhambisana nezindlela

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zokukhokha zedijithali ezikhishwe amabhange kazwelonke?

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Ngokuvamile kancane.

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Ngakho-ke uma kuziwa ezindleleni
zokukhokha, kufanele uhlukanise kancane.

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Kuyindaba yokutshalwa kwemali:

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Ngakho-ke lapho kunokuguquguquka okuphezulu
kwamanani, akufaneleki ngempela ekukhokheni.

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Abantu abafuni ukusebenzisa into
njengokukhokha uma ihileleka ekucatshangelweni okukhulu.

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Ngakho-ke kungaba ngokutshala imali noma kube indlela yokukhokha.

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Indlela enhle yokukhokha ayinazo izinguquko
zokuzinza, okusho ukuthi ayinazo izinguquko enanini, njll.

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Ngakho-ke ngokombono wamanje – sizobona ukuthi izinto zizohamba
kanjani ngemali yedijithali – angiboni mingozi kulokho.

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I-e-euro empeleni ingozi enkulu kakhulu.

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I-e-euro izonikezwa ilungelo lokuba imali esemthethweni, njll.

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Angifuni ukuchaza konke manje, kuyinkimbinkimbi kakhulu kakhulu.

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Isihloko esithakazelisa kakhulu. Okuthile
okuzothakazelisa ngempela ababukeli abaningi:

13:44.840 --> 13:45.799
Kungani abantu benza lokho?

13:45.799 --> 13:49.440
Kungani imali ngempela incishiswa?

13:49.440 --> 13:51.600
Ingabe kuwumbuzo nje wokunethezeka?

13:51.600 --> 13:57.760
Noma uyabona ngokusobala lokhu kuyingxenye yohlelo
oluhloselwe ekugcineni ukwenza izakhamizi zixhomekeke futhi

13:57.760 --> 14:01.879
zisuswe amalungelo azo, isibonelo ngokulawulwa komphakathi?

14:01.879 --> 14:04.713
Ngabe ngesinye isikhathi kuzoba lula kakhulu
ngokwemvelo ukulawula ukufinyelela ezindleleni

14:04.713 --> 14:06.759
zokukhokha zikagesi kunokwenza kanjalo ngemali esandleni?

14:06.759 --> 14:10.227
Yingakho abantu besho ukuthi, "Imali ephathekayo iyinkululeko
eprintiwe," kanti imali kagesi,

14:10.227 --> 14:14.120
ngokungangabazeki, ivinjwe ngokungangabazeki
ekufinyeleleni kwangaphandle, uma kungathiwa kanjalo.

14:14.120 --> 14:16.519
Ingabe yilokho inhloso yakhona?

14:16.519 --> 14:18.399
Yebo, kunemigomo eminingi, impela.

14:18.399 --> 14:23.519
Kufanele ulandele uhlangothi lwe-'Cui
Bono', okusho ukuthi ubani ozuzayo kulo?

14:23.519 --> 14:26.320
Futhi-ke, vele, ufika ezimpendulweni ezithile.

14:26.320 --> 14:32.559
Mina uqobo angingeni kakhulu kulesi sihloko ngoba
empeleni siphazamisa isihloko esiyinhloko ngendlela ethile.

14:32.559 --> 14:39.480
Engikhuluma ngempela ngakho yizindlela zokusebenza
nezakhiwo ezisekela ukususwa kwemali, ngemuva komjikelezo.

14:39.480 --> 14:48.200
Kuyinkimbinkimbi kakhulu kunalokho: udala indawo
yemali engenayo lapho imali engenayo ingeke iphile khona.

14:48.200 --> 14:52.759
Lokhu kusho ukuthi imali esandleni njengamanje ihlaselwa.

14:52.759 --> 14:56.240
Ngakolunye uhlangothi, kunganqatshwa umnotho.

14:56.240 --> 15:05.879
Kodwa okubucayi nakakhulu, ngokombono wami,
wukuthi umbuso uhlanganyela kakhulu ngokwenqaba imali.

15:05.879 --> 15:09.480
Ngikhuluma ngeJalimane ngoba ngiyazi kancane ngayo.

15:09.480 --> 15:12.276
Isibonelo, amachibi okugeza ase engasamukeli
imali esandleni, futhi amachibi okugeza

15:12.276 --> 15:14.240
angaphandle okuqala nawo ase engasamukeli imali esandleni.

15:14.240 --> 15:22.000
Amaphaki ezimoto nezindawo zokupaka imoto asasebenzi
ngemali, ngisho nezikhungo zikahulumeni nazo asasebenzi ngemali.

15:22.000 --> 15:27.503
EDüsseldorf, isibonelo, sinesimo lapho wonke
amahhovisi abantu bomphakathi esebenza ngaphandle kwemali –

15:27.503 --> 15:30.759
ngaphandle kweyodwa etholakala esiteshini sesitimela.

15:30.759 --> 15:34.039
Lokho kuyingozi kakhulu ngoba awukwazi ukukugwema nhlobo.

15:34.039 --> 15:44.240
Lokhu kusho ukuthi izakhamuzi ziyaqhubeka
nokuphoqelelwa kulesi simiso, esiyingozi kakhulu kakhulu.

15:44.240 --> 15:51.320
Lokhu kusho ukuthi, ekugcineni, sidinga futhi ukuthi
uhulumeni uphoqeleke ukwamukela imali esandleni futhi.

15:51.320 --> 15:56.080
Ngiphinde ngibuze lo mbuzo maqondana nesihloko
somcimbi esithi 'Izakhamuzi Ezinomthwalo Wemfanelo'.

15:56.080 --> 16:00.765
Ngoba into eyodwa icacile: uma usungasakhokhi ngemali esandleni,
noma ngabe usebenzisa yiluphi uhlobo lokukhokha nge-elekthronikhi,

16:00.765 --> 16:02.639
ekugcineni akuseyona indlela yokukhokha engaziwa.

16:02.639 --> 16:03.600
Yebo, impela.

16:03.600 --> 16:04.039
Yilokho okubalulekile.

16:04.039 --> 16:05.480
Imali ephathekayo ihlala iyindlela yokukhokha engaziwa.

16:05.480 --> 16:07.898
Ngingaya noma kuphi, ngingakhokhela noma
yini. Akekho ongibuza ukuthi ngingubani.

16:07.898 --> 16:09.559
Bathatha imali yami futhi abanasithakazelo kimi.

16:09.559 --> 16:15.720
Lapho ngikhokha ngokhadi, cishe yonke iphothifoliyo yami, yonke
umlando wami wezezimali, ilethelwa kanye nokukhokha, ngokuthi.

16:15.720 --> 16:21.679
Kusukela lapho engikhona manje kuya kulokho
okwenzekayo ku-akhawunti yami, engikwenzayo.

16:21.679 --> 16:27.679
Yingakho ngabuza ukuthi ngabe inhloso eyisisekelo ayicacile
ngokwanele: ukusungula uhlobo lobushiqela obuphelele

16:27.679 --> 16:34.600
lapha, lapho izakhamuzi zingalandelwa kahle nguhulumeni
ngaso sonke isikhathi nasemazweni wonke futhi zibe sobala.

16:34.600 --> 16:37.440
Ngakho-ke, ngingakuthanda ukuyishiya ivulekile okwamanje.

16:37.440 --> 16:42.682
Kodwa into eyodwa engiyisho ngokuqinisekile:
umphakathi okhululekile udinga ngempela uhlelo

16:42.682 --> 16:46.539
lokukhokha olukhululekile olungeke lulandelwe.

16:55.399 --> 17:04.160
Futhi konke okudijithali kungabhekwa kalula kakhulu.
Eqinisweni, umphakathi uqala ukuba nesaba futhi uzithobe.

17:04.160 --> 17:14.559
Ngakho-ke uma lo mcimbi ukhokhelwa kuphela
ngedijithali namuhla, kuzobhalwa ukuthi ukhona lapha namuhla.

17:14.559 --> 17:20.680
Ngokomqondo, kungenzeka ukuthi manje nawe
uba noma ukhethwe njenge "persona non grata".

17:20.680 --> 17:23.539
Ngicabanga ukuthi sonke siyakwazi.

17:25.079 --> 17:29.039
Cha, ngenhlanhla angikakabi
njalo. Kumele ngibe ngempela ngalokho.

17:29.039 --> 17:37.279
Hhayi-ke, angizange ngibe nokuhlaselwa nhlobo kuze kube
uJanuwari ngoba ngangiphikisa konke ngokususelwa eqinisweni.

17:37.279 --> 17:42.764
Kodwa kusukela ohambweni lwami lokugcina lokunikeza
izinkulumo, ngeshwa, sekusungulwe, futhi

17:42.764 --> 17:46.400
akusekelwanga emaqiniso, kunalokho izinto zengezwa endabeni.

17:46.400 --> 17:49.640
Futhi kuyingozi kakhulu kakhulu, engikubona kuyihlazo kancane.

17:49.640 --> 17:50.279
Impela.

17:50.279 --> 17:53.240
Futhi yingakho kubalulekile ukuthi
wethule konke ngale ndlela eqinile yamaqiniso.

17:53.240 --> 17:56.400
Lokhu futhi kukwenza
ungahlaselwa, futhi akekho ongaphikisa lokho.

17:56.400 --> 18:01.799
Konke lokhu kusekelwe ngokuqondile ezintweni eziyiqiniso,
yingakho kuyisibonelelo esibaluleke kakhulu kulesi siphikiswano.

18:01.799 --> 18:03.480
Ngakho-ke, ngiyabonga kakhulu futhi kimi.

18:03.480 --> 18:05.579
Ngiyabonga.

18:08.480 --> 18:12.851
Sishintshe kancane ukuhleleka ukuze
kuhambisane nezihloko, ngakho-ke manje ngithanda

18:12.851 --> 18:16.900
ukucela uMnu. Stützle ukuthi ajoyine nami futhi.

18:24.480 --> 18:28.799
Yebo, lokho okwashiwo ngaphambilini
mayelana nemali kusasele engqondweni yami.

18:28.799 --> 18:31.599
Lapho-ke isikhathi esiphakathi
kwezinkulumo ezimbili sifushane kakhulu.

18:31.599 --> 18:37.440
Yingakho ukudlulela engxenyeni yesisombululo kulula
kakhulu lapha, ngoba singaqhubeka ngaphandle kokuphazamiseka.

18:37.440 --> 18:41.519
Ngakho-ke inkinga, njengoba sasichaze
ngaphambilini, ukuthi imali isingaphansi kwengcindezi ekhulayo.

18:41.519 --> 18:46.006
Manje-ke umbuzo obalulekile: singenzeni
ngabanye, ingani umuntu ngamunye angakwenza ukuvimbela

18:46.006 --> 18:50.279
imali ukuthi inganyamalali noma ingashiyeki emuva?

18:50.279 --> 18:57.079
Yebo, umbuzo omfushane, impendulo ende: kunzima kakhulu.

18:57.079 --> 19:07.200
Empeleni sinesimo lapho, okokuqala, umnotho ungakwazi
ukwenqaba imali, futhi okwesibili, umbuso wenqaba imali.

19:07.200 --> 19:13.559
Uma sesikhuluma ngalokho, imali ekhishwe
ngokuphelele nguhulumeni yi-cash kuphela!

19:13.559 --> 19:21.839
Futhi umbuso wenqaba imali yawo. Lokho ngokwalo sekuyinqaba.

19:21.839 --> 19:29.920
Eminyakeni embalwa edlule bengikhungathekile
isikhathi eside ngoba imali isehla ngokushesha.

19:29.920 --> 19:35.400
Imali ayimi ngokuqinile, ngokusho
kwezibalo ezivela eDeutsche Bundesbank.

19:35.400 --> 19:42.742
Izinhlayo zakamuva zashicilelwa ngo-2023.
Ngokwenzalo yokukhokha ngemali eJalimane,

19:42.742 --> 19:48.640
amaphesenti angu-51 wemikhiqizo asakhokhelwa ngemali.

19:48.640 --> 19:51.839
Iyancishiswa ngo-4% ngonyaka.

19:51.839 --> 19:56.640
Lokho kusho ukuthi manje, ngo-2025, sisemaphesenti angama-43.

19:56.640 --> 20:04.511
Uma umphikisi oqondile we-e-euro ehlanganiswa
nalokhu, ngonyaka ka-2030 singabona ngokushesha kakhulu

20:04.511 --> 20:09.039
ukukhokha ngemali kwehla kube ngu-15% noma ngaphansi.

20:09.039 --> 20:11.279
Futhi yilokho inkinga yonke.

20:11.279 --> 20:17.480
Ngazizwa ngidumele kakhulu ukuthi kwakungekho nhlobo
intando yezombusazwe yokuvikela imali ngokomthetho.

20:17.480 --> 20:20.559
Imali idinga ngempela ukuvikelwa ngokomthetho!

20:20.559 --> 20:27.160
Futhi esinye isivikelo somthetho ukuthi
sizophinde sibe nenkululeko yokukhetha ukukhokha ngemali.

20:27.160 --> 20:32.279
Ekugcineni ibuyela ezandleni zabantu.

20:32.279 --> 20:40.039
Ukuze sikufeze lokhu, sidinga ngempela inqubomgomo yokwamukelwa
okuphoqelekile kwezohwebo kanye nasemasiphalekini kahulumeni.

20:40.039 --> 20:49.640
Kusukela manje – futhi namuhla sikhuluma ngabantu
abanesibopho – abantu banethuba lokuphinda bavote.

20:49.640 --> 20:53.940
Ngakho-ke sidinga futhi inkululeko
yokukhetha, futhi ngicabanga ukuthi lokho kubalulekile.

21:00.279 --> 21:05.440
Kusekhona ukungabi nentando yezombusazwe namuhla.

21:05.440 --> 21:13.160
Kodwa sekukhona ithuba
eliyingqayizivele lokubeka imali esemthethweni.

21:13.160 --> 21:21.880
Hhayi ngoba kuyathandwa kwezombusazwe, kodwa ngoba labo
abasemandleni nabaphathi bezepolitiki bafuna okuthile okuhlukile.

21:21.880 --> 21:23.960
Bafuna i-e-euro.

21:23.960 --> 21:24.279
okuphoqelekile

21:24.279 --> 21:28.960
Bayaqhubeka nakho – yilokho okubukeka okwamanje.

21:28.960 --> 21:39.599
Yingakho-ke okhishwe umthetho ohlongozwayo
we-e-euro, futhi bafuna i-e-euro ibe imali esemthethweni.

21:39.599 --> 21:47.423
Lokhu kusho ukuthi baphoqeleka ukukhipha umthetho
obekelwe ukukhishwa kwemali ngosuku olufanayo. Lokhu kungenxa

21:47.423 --> 21:51.480
yokuthi imali yamanje iyona kuphela imali esemthethweni.

21:51.480 --> 21:55.582
Ngakho-ke lokho kusho ukuthi, ngokuphikisana,
ukwethulwa kwe-e-euro ekuqaleni kuzovikela futhi

21:55.582 --> 21:59.319
kuqinisekise imali esandleni, ngendlela ethile yokukhuluma?

21:59.319 --> 22:00.801
Cha, nakanjani cha.

22:00.801 --> 22:06.647
Ngakho-ke ngokuvamile bekuzoba kuhle. Singakubona lapha manje.

22:06.647 --> 22:11.415
Ngokwesisekelo somthetho osasekelwayo,
i-e-euro izovunywa njengemali esemthethweni ezitolo

22:11.415 --> 22:14.920
– okungenani ngokwesivumelwano esisayinwayo.

22:14.920 --> 22:18.440
Yebo, kodwa ngoba uthe baphoqeleka
ukufaka nalokho okunye emthethweni.

22:18.440 --> 22:20.799
Ngakho-ke womabili aqinisekisiwe emthethweni, akunjalo?

22:20.799 --> 22:22.713
Cha, kunezinhlinzeko ezimbili eziphakanyisiwe.

22:22.713 --> 22:29.834
Kukhona imithetho emibili ehlongozwayo –
eyodwa ye-e-euro nenye yemali esandleni.

22:29.834 --> 22:32.440
Lena iphuzu elibaluleke kakhulu.

22:32.440 --> 22:36.975
Kuyathakazelisa ukuqaphela ukuthi umthetho
ophakanyisiwe mayelana nemali esandleni awubeki mthwalo noma

22:36.975 --> 22:39.440
ukuphoqelelwa ukwamukela imali esandleni ekuthengiseni.

22:39.440 --> 22:41.480
Okungenani yilokho okushiwo.

22:41.480 --> 22:44.542
Lokho empeleni kuyihlanya ngokwalo.

22:44.542 --> 22:50.281
Lokhu kusho ukuthi esikhathini esizayo sizoba nemali
esemthethweni ezimbili ezihlukene – i-e-euro kanye

22:50.281 --> 22:54.318
nemali engaphansi kwesikhundla, okungukuthi imali esandleni.

22:54.318 --> 22:58.444
Futhi konke, njengokujwayelekile
ngokupheliswa kwemali, kwenzeka ngokungahleliwe.

22:58.444 --> 23:04.230
IKhomishini YaseYurophu igcwele
abameli, osomnotho nabaphathi bebhizinisi.

23:04.230 --> 23:11.559
Futhi kwenzeka benze iphutha, okungukuthi:
imali – akukho mfuneko yokuyamukela ezitolo.

23:11.559 --> 23:14.006
Hhayi, lokho kumangalisayo kakhulu, ngicabanga.

23:14.006 --> 23:21.781
Kodwa manje sinethuba, okungukuthi sithathe isinyathelo.

23:21.781 --> 23:25.994
Umnyango uzovalwa futhi ezinyangeni ezizayo.

23:25.994 --> 23:33.185
Le mali izobekwa ngokulingana ne-e-euro,
futhi izoba yimpoqo kubathengisi ukuyamukela.

23:33.185 --> 23:36.960
Lokhu kubaluleke ngempela, kubaluleke ngempela.

23:36.960 --> 23:43.453
Manje-ke kumele sibeke ingcindezi enkulu kubathathi bezinqumo
ukuze siqinisekise ukuthi lokhu nakho kuyintando yabantu.

23:43.453 --> 23:47.841
Ngakho-ke ngasungula isicelo ngenhloso yalokhu.

23:47.841 --> 23:56.640
Lena isicelo ku-www.bargelderhalt.eu,
lapho okwamanje sineziginesha eziyi-126,000.

23:56.640 --> 23:59.039
Inkinga ithi akwanele.

23:59.039 --> 24:04.811
Kumele siqinisekise ukuthi imela abantu bonke.

24:04.811 --> 24:12.609
Ngakho-ke ngicela nje – futhi lokhu kuwusizo olukhulu
namuhla – ukuthi usayine isicelo, usidlulisele kwabanye, njll.

24:12.609 --> 24:19.345
Ngesikhathi sisungula isicelo, sathumela
udaba lwabezindaba emaphephandabeni angama-350.

24:19.345 --> 24:23.085
Futhi sathola izimpendulo ezintathu kuphela.

24:23.085 --> 24:27.713
Futhi impendulo yayingathi: Sicela
ungaphinde usibhalele esikhathini esizayo.

24:27.713 --> 24:30.440
Lokho, kunjalo, kuwuphawu lokuthi izinto zimbi kakhulu.

24:30.440 --> 24:35.158
Kodwa-ke, sesithole amavoti angu-126,000 kuze kube manje.

24:35.158 --> 24:38.537
Kodwa sidinga okungenani izinkulungwane ezingama-300,000.

24:38.537 --> 24:45.137
Ngisho ukuthi empeleni sidinga ukufinyelela kumamilioni
ukuze ngikwazi ukucindezela izikhungo zikahulumeni ezifanele.

24:45.137 --> 24:49.311
Ngokomqondo, noma ubani angasayina lesi sicelo,
kungakhathaliseki ukuthi bangama-Austria –

24:49.311 --> 24:52.289
izakhamuzi zaseSwitzerland nazo zingakwenza ngokomqondo.

24:52.289 --> 24:55.443
Kumele nje sivote sisekela lesi sicelo.

24:55.443 --> 25:02.135
Futhi nansi isicelo sokuthi imali engu-cash yamukelwe njengemali
esemthethweni ezitolo, futhi, impela, yizikhungo zikahulumeni.

25:02.135 --> 25:04.430
Lokho ngokuyisisekelo kuyisidingo kanye nesisombululo.

25:04.430 --> 25:07.839
Inkinga ithi, kuzonqunywa kulo nyaka!

25:07.839 --> 25:11.152
Lokho kusho ukuthi sisenesikhathi esincane kakhulu kakhulu.

25:11.152 --> 25:17.317
Lokhu ngokwemvelo kuvusa umbuzo: kangakanani iPalamente
YaseYurophu empeleni ehlanganiswe ngamalungu anesibopho azinqumela

25:17.317 --> 25:20.780
ngokwabo ukuthi acabanga kanjani ngempela nokuthi afuna ini?

25:20.780 --> 25:22.800
Abaningi nabo abanaso isidingo sobuchwepheshe.

25:22.800 --> 25:26.511
Siyazi ukuthi kwezinye izimo izinqumo zeqembu
lePhalamende zivunywa nje ngaphandle kokucubungula.

25:26.511 --> 25:32.359
Futhi lokhu kuxazululwa ngasese ePhalamende laseYurophu
ngisho nangaphezulu kunaseziphalamende zezizwe, ngokuthi.

25:32.359 --> 25:35.753
Lokho kusho ukuthi ingcindezi lapha
kuzofanele ibe mkhulu. Ngaphezu kwakho konke,

25:35.753 --> 25:38.079
ingcindezi yomphakathi kuzofanele ibe mkhulu.

25:38.079 --> 25:46.228
Ngakho-ke manje, ukuze sinike inani, uhlelo lobukhulu. Ungasho
ukuthi bangaki "abafakizicelo" abafanele

25:46.228 --> 25:54.619
ukuze kutholakale impumelelo yangempela –
eqhuba ngempela ukuvukela okubucayi ePhalamende?

25:54.619 --> 25:56.347
iPhalamende liyinto eyodwa.

25:56.347 --> 26:02.820
Umthetho ophakanyisiwe okwamanje uyaxoxwa
yiKomidi le-ECON lePhalamende laseYurophu, futhi

26:02.820 --> 26:06.196
kulesi sigaba kusengaba nezinguquko ezenziwa.

26:06.196 --> 26:09.562
Lokhu kusho ukuthi isinyathelo sokuqala
ukwandisa ingcindezi eKomidi le-ECON.

26:09.562 --> 26:11.599
Ngiyenza izinto eziningi ukuze ngikufeze lokhu.

26:11.599 --> 26:20.720
Mhlawumbe nje ukuze wazi: ngenxa yengxenye yesicelo semali,
sesakhe umphakathi onezinhlangothi ezingu-65 000 okwamanje.

26:20.720 --> 26:27.931
Lokhu kusho ukuthi sizama ukusungula ilobhi
yemali ukuze sikwazi ukwenza izenzo ngokubambisana.

26:27.931 --> 26:30.799
Futhi senza neminye imisebenzi yokubamba iqhaza.

26:30.799 --> 26:37.839
Okwamanje sizama ukusondeza iKomidi le-ECON entshenzweni
yabantu ngokuhlela imikhankaso emikhulu yokubhala izincwadi.

26:37.839 --> 26:41.734
Abantu abayinkulungwane namakhulu amathathu babambe
iqhaza emkhankasweni wokugcina wokubhala izincwadi.

26:41.734 --> 26:44.158
Futhi, kunjalo, izincwadi ezihambisanayo ziyathunyelwa.

26:44.158 --> 26:47.015
Lokhu kusho ukuthi kumele siqale ukucindezela iKomidi le-ECON.

26:47.015 --> 26:52.352
Noma kunjalo, kumele kwakhiwe ukuqwashisa okusha
ngalolu daba phakathi kwabantu kanye nasezepolitiki.

26:52.352 --> 26:54.759
Ngakho-ke, iphuzu elibaluleke kakhulu kakhulu.

26:54.759 --> 27:01.200
Imali kumele ifakwe emthethweni – okusho ukuthi
kumele yamukelwe ezitolo nasezinhlanganweni zikahulumeni.

27:01.200 --> 27:07.521
Ngibuza nje ngoba, njengoba ngishilo, ama-146,000 – uma
uthi empeleni asakazeke eYurophu yonke – awaningi kangako.

27:07.521 --> 27:09.000
Lokho kusho ukuthi kumele kube khona okuningi kakhulu.

27:09.000 --> 27:15.319
Ngakho-ke umbuzo uthi: ungathi yini—iyini
inhloso lapha ukuze empeleni uthole amaphuzu?

27:15.319 --> 27:19.519
Yebo, ngicabanga ukuthi sidinga ukufinyelela umkhawulo wemillion.

27:19.519 --> 27:22.200
Ngikhuluma ngokuqinisa kakhulu ngeJalimane okwamanje.

27:22.200 --> 27:25.939
Lokho okwamanje akubonakali kahle.

27:25.939 --> 27:27.559
Futhi lapho sekuyizigidi, siqala ukuzwa ingcindezi.

27:27.559 --> 27:31.524
Lokhu akuyona imicabango nje yokufisa; kumele senze okuthile.

27:31.524 --> 27:40.285
Bengihambela uhambo lokunikeza izinkulumo futhi
ngizamile ukusungula ukuxhumana okuseduze nabasabalalisi.

27:40.285 --> 27:44.592
Lokho kusho ukuthi kusukela namuhla
ngiyeka uhambo lwami lokunikeza izinkulumo.

27:44.592 --> 27:51.281
Ezinyangeni ezimbili ezizayo, ngizogxila kakhulu kumachaneli
e-YouTube angimema ezingxoxweni ukuze

27:51.281 --> 27:58.077
ngikhuphule ukuqwashisa ngalesi sicelo – ukuze
ngempela sifinyelele kulowo mbhalo wabasigidi.

27:58.077 --> 28:07.228
Ngempela ngicela usizo: uma unoxhumano nabaphrinta,
amaphephandaba, njll., ngicela usungule uxhumano ukuze ngikwazi

28:07.228 --> 28:11.349
ukwethula lesi sicelo – futhi ukuze sithole ukubonakala.

28:11.349 --> 28:15.556
Khona-ke ingafinyelela kalula kumkhawulo wemiliyoni.

28:15.556 --> 28:17.400
Ngidinga usizo lwabo bonke kulokhu.

28:17.400 --> 28:21.599
Lokho futhi kungenye yezizathu eziyinhloko engimi lapha namuhla.

28:21.599 --> 28:23.940
Ngiyabonga kakhulu ngalokho.

28:29.429 --> 28:31.720
Futhi wawusho kafushane ngaphambilini ekuchazweni kwenkinga.

28:31.720 --> 28:36.165
– Impela, umbuzo: ikhadi kolunye uhlangothi, imali kolunye?

28:36.165 --> 28:38.119
Ngokomqondo, kufana nohlobo lwesinqumo sokhetho.

28:38.119 --> 28:41.097
Lokho kusho ukuthi, ngokomqondo, nawe
ungakwazi ukwenza okuthile ngokwakho ngokukhokha

28:41.097 --> 28:43.440
ngemali esandleni ngangokunokwenzeka, akunjalo?

28:43.440 --> 28:47.410
Ngakho-ke isihloko sanamuhla
sithi "Umhlali Onomthwalo Wemfanelo".

28:47.410 --> 28:54.079
Lokhu kusho ukuthi, ukuze izakhamuzi zibe nezibopho, sidinga
kuqala inkululeko yokukhetha nokwazi ukuthi yini esiyibangela.

28:54.079 --> 29:01.421
Siyazi ukuthi amabhange aphakathi
axhumanisa ikusasa lemali esandleni nesidingo.

29:01.421 --> 29:07.191
Ngokubuka lokhu, empeleni kunjalo ukuthi
njengamanje sinedemokhrasi eqondile maqondana

29:07.191 --> 29:11.962
nemali – ngoba kunephepha lokuvota lokugcina imali.

29:11.962 --> 29:17.590
Futhi iphepha lokuvota libukeka kanje, isibonelo.

29:17.590 --> 29:24.906
Lokhu kusho ukuthi asivoti njalo eminyakeni emine,
njengokhetho lukazwelonke, njll., kodwa kunalokho:

29:24.906 --> 29:29.920
Sikhetha imali nsuku zonke ngazo zonke izinto esizithenga!

29:29.920 --> 29:35.226
Lokho kusho ukuthi kuwumsebenzi wabantu
abanomthwalo wemfanelo ukuqaphela ukuthi kumele

29:35.226 --> 29:38.559
sigcine isidingo semali siphezulu ngangokunokwenzeka.

29:38.559 --> 29:41.812
Lokho yinto ebaluleke kakhulu,
okungukuthi ukuqaphela leli qiniso.

29:41.812 --> 29:49.703
Lokho kusho ukuthi lapho siya emaziveni ngokulandelayo,
sinikela iphepha lethu lokuvota ukuze sigcine imali

29:49.703 --> 29:54.880
– kodwa kukhona futhi iphepha lokuvota lokususa imali.

29:54.880 --> 30:00.626
Futhi unokukhetha ukusho: Kulungile,
ngizokhokha ngokhadi noma ngocingo lweselula.

30:00.626 --> 30:05.599
Futhi ngokuthi lokho, awusho lutho ngaphandle
kokuthi: ngisekela ukususwa kwemali esandleni.

30:05.599 --> 30:07.440
Yilokho okuyisisekelo salokhu.

30:07.440 --> 30:16.312
Isizathu engimi lapha phambi kwakho nje
ukuchazela abantu abakubangela ngenxa yezenzo zabo.

30:16.312 --> 30:20.126
Yebo, futhi ngingathanda ukubona izakhamuzi
ezinomthwalo wemfanelo ezizindla ngalokhu:

30:20.126 --> 30:26.839
Engikubangela ngaleli phepha lokuvota, naleli phepha lokuvota.

30:26.839 --> 30:29.532
Lena yiyo kuphela isizathu – ngifuna
izakhamuzi ezikwazi ukwenza izinqumo zazo.

30:29.532 --> 30:33.839
Futhi kubalulekile ukuthi izakhamuzi
ezinomthwalo wemfanelo zazi kahle kakhulu ngalesi sihloko.

30:43.432 --> 30:45.999
Umbuzo okwamanje ubuzwa ukuthi
isicelo sizohlala isikhathi esingakanani.

30:45.999 --> 30:52.086
Kuzoqhubeka kuze iPhalamende laseYurophu livote ngakho.

30:52.086 --> 30:57.516
Ngingathi izoqhubeka kuze kube u-Okthoba 2025 okungenani.

30:57.516 --> 30:59.254
Kumele sibone ukuthi ingabe kufika ngaphambi kwalokho.

30:59.254 --> 31:08.319
Kodwa cishe ngeke kube ngo-2025, ngoba yilapho i-e-euro
elindeleke ukungena esigabeni sayo sesithathu sokuthuthukiswa.

31:08.319 --> 31:09.720
Yebo, ngiyabonga kakhulu ngokuhlaziywa kwakho.

31:09.720 --> 31:15.056
Futhi yingakho imicimbi efana nale ehlelwe
ngu-Erwin Rigo ibaluleke kangaka, ukuze sikwazi ukukhulisa

31:15.056 --> 31:17.830
ukuqwashisa ngalezi zindaba emphakathini jikelele.

31:17.830 --> 31:20.896
Ngoba abantu abaningi bayakwenza, ikakhulukazi inani
elikhulu kakhulu lapha kulesi sikamelo, kodwa

31:20.896 --> 31:22.992
abaningi emphakathini jikelele abakwenzi. Yebo, ngeshwa.

31:22.992 --> 31:25.032
Yebo, futhi ngithanda ukwengeza okuthile kulokho.

31:25.032 --> 31:29.119
Ungasayina wena uqobo ku-www.bargelderhalt.eu.

31:29.119 --> 31:35.279
Futhi uma ukhetha ibhokisi lapho, uzoba
yingxenye yomphakathi ngokuzenzakalelayo.

31:35.279 --> 31:40.367
Kusho ukuthi ngabe ungathanda ukwaziswa
ngenqubekela phambili eyengeziwe yesicelo.

31:40.367 --> 31:42.594
futhi-ke uba yingxenye yomphakathi.

31:42.594 --> 31:44.568
Umphakathi ubaluleke kakhulu.

31:44.568 --> 31:51.013
Ngoba noma siphumelela ngesicelo,
kuzomisa kuphela ukuwa kwemali ngokushesha.

31:51.013 --> 31:55.466
Kodwa izinyathelo zokumaketha zemboni yezimali ziya phambili.

31:55.466 --> 32:02.121
Lokhu kusho ukuthi kumele sizilungiselele; kumele sakhe
umkhankaso wokuthola imali, ngenxa yenkululeko yethu.

32:02.121 --> 32:04.688
Amazwi okuvala kanye nesifinyezo esihle kakhulu.

32:04.688 --> 32:08.160
Inhlanhla ngalokho, futhi uqhubeke nomsebenzi omuhle kulesi simo.

32:08.160 --> 32:10.099
Ngiyabonga.

32:23.173 --> 32:27.060
Ukuze uphendule imibuzo esele
ingaphendulwanga engxoxweni: Kungani ukwenza lokhu?

32:27.060 --> 32:29.580
Kungani imali ngempela incishiswa?

32:29.580 --> 32:41.019
- okusadingeka kuphendulwe, sizophetha umnikelo
onentshisekelo kaMnu. Stützle ngokukhombisa uhlelo lwe-Kla.TV

32:42.839 --> 32:47.288
Ukususwa kwemali ngenxa yokufuna amandla ngokunganaki

32:47.288 --> 32:57.271
Uhulumeni waseMelika ungomunye wamandla anamandla abhekele
ukususwa ngokushesha okukhulu kwemali ebusweni bomhlaba wonke.

33:06.361 --> 33:12.309
Kusukela lapho, lokhu sekusetshenziswe ukukhuthaza
ngobuningi ukuqedwa kwemali esezandleni emhlabeni wonke.

33:12.309 --> 33:17.852
Isizathu salokhu ukuzibophezela kwe-US ukuthi
ukuthengiselana kokukhokha ngaphandle kwemali

33:17.852 --> 33:21.399
emhlabeni wonke kubuswa izinkampani zase-US.

33:21.399 --> 33:28.998
Lokhu ngokungaqondile kuvumela uhulumeni wase-US ukuthi alandele
ukuthengiselana kwezimali kwamanye amazwe, amabhange, izinkampani

33:28.998 --> 33:34.434
ngisho nabantu ngabanye, futhi abavimbe
ekuthengiselweni kwemali ngaphandle kwemali esandleni

33:34.434 --> 33:38.058
uma bengaziphathi ngokuhambisana nezifiso zawo.

33:37.703 --> 33:38.058
Ngosizo lwe-US Agency for International Development
(USAID), i-Better than Cash Alliance yasungulwa ngo-2012.

33:38.058 --> 33:45.977
Lokhu kumela isici samandla esesabekayo, esingase manje
sibe cishe sikhulu njengobukhosi bezempi base-United States.

33:45.977 --> 33:52.715
Ngokunciphisa ukusetshenziswa kwemali,
amandla e-USA akhula ngokuzenzakalelayo.

33:52.715 --> 34:00.000
Manje sizohlola indlela abayithathile laba bacebisi bezimali
yokwandisa amandla abo ngokusebenzisa abahlinzeki abakhulu

34:00.000 --> 34:04.897
bezinsizakalo zokukhokha noma izinhlelo
zamabhange zamazwe ngamazwe, sisebenzisa

34:04.897 --> 34:09.477
izibonelo ezimbalwa ezivela emhlabeni wonke:

34:09.477 --> 34:18.401
Umhlinzeki wamazwe ngamazwe wezinsizakalo zokukhokha, i-VISA,
wethule izinyathelo eziqinile zokushintsha izinkokhelo zemali.

34:18.401 --> 34:24.837
Ngebhajethi engafika ku-US$500,000, amabhawa,
amakhefi nezindawo zokudlela e-United States zizothola

34:24.837 --> 34:30.001
uxhaso lwezimali uma ziyeka ukwamukela imali esandleni.

34:30.001 --> 34:36.129
Ngaphezu kwalokho, i-VISA yazama ukuthonya uhulumeni
waseBulgaria ukuba anciphise umkhawulo wemali

34:36.129 --> 34:40.487
esontweni ezinyathelweni ezimbili ukuze ube cishe ama-€500.

34:40.487 --> 34:46.377
Amanani avela e-USA afakazela ukuthi kule ndaba
kunezithakazelo zomnotho ezibonakalayo ezibekwe engcupheni.

34:46.377 --> 34:53.990
Ngo-2018, izinkokhelo zamakhadi esikweletu kuphela
zadala izindleko ezingama-90 billion ama-US dollar lapho.

34:53.990 --> 34:58.955
Imali eyayikhokhwa kakhulu amakhasimende
futhi yangena eziphongolweni zabahlinzeki

34:58.955 --> 35:01.935
bezinsizakalo zokukhokha ngaphandle kwemali.

35:01.935 --> 35:07.006
Kodwa lezi aziyona imiphumela kuphela
yokwanda kokususwa kwemali esontweni.

35:07.006 --> 35:13.737
Izinguquko ezinkulu eGrisi zinikeza umbono
ngemiphumela yokususwa kwemali esandleni.

35:13.737 --> 35:19.200
Lapho, izakhamizi zibhekana nezijeziso zentela uma zingakwazi
ukwenza izinkokhelo ezanele ezingenamali,

35:19.200 --> 35:24.829
kanti amabhizinisi aphoqeleka ukuthi angene
ezivumelwaneni nezinkampani ezifana ne-VISA.

35:24.829 --> 35:33.211
Imali egcinwe ekhaya kumele ibikwe
eziphathimandla futhi izobanjwa uma umthombo wayo ungafakazeki.

35:33.211 --> 35:38.875
Futhi lapha yilapho izintshisekelo zezindawo
ezimbili – abahlinzeki bezinsizakalo zokukhokha kanye

35:38.875 --> 35:42.441
nezinhlelo zebhange zamazwe ngamazwe – zihambisana:

35:42.441 --> 35:49.379
Ingxenye elandelayo icacisa ukuthi lezi zindawo zihlangana
ndawonye njengeziguqa zomshini wamawashi ukuze kutholakale

35:49.379 --> 35:54.295
ukulawula izinsiza zezimali, kuze kufike ezakhiweni ezizimele.

35:54.295 --> 35:59.786
Ukuze kuvuselelwe umnotho, i-ECB isebenze
iminyaka ngokwehlisa izinga lenzalo eliyinhloko.

35:59.786 --> 36:06.036
Njengoba izinga lenzalo elingezansi kwe-zero kuma-akhawunti
wokonga liholela ekuthathweni kancane kwempahla, abatshalizimali

36:06.036 --> 36:10.025
bangazivikela ekulahlekelweni kwenani ngokukhipha imali yabo.

36:10.025 --> 36:17.900
Nokho, lokhu ukuzimela ekuphatheni izimpahla
zakhe kukhawulela ikhono le-ECB lokuthonya.

36:17.900 --> 36:24.976
Iphepha lokusebenza le-IMF mayelana nokusetshenziswa kohlelo
lwenzalo engekho ngokuhle manje liphakamisa ukubeka

36:24.976 --> 36:33.197
imali yokushintshanisa kwemali ebhekisela kuleso silinganiso
senzalo esisetshenziswa ezimpahleni ezitshalwe imali.

36:33.197 --> 36:45.260
Ngenxa yenzalo engemuhle engu-5%, uzothola ama-euro
angu-95 ngemali esandleni uma ukhipha ama-euro angu-100 ku-ATM.

36:45.260 --> 36:53.142
Umphumela wukuthi ukuthandeka kwemali
njengendlela yokonga nendlela yokukhokha kuzokwehla

36:53.142 --> 36:59.437
kakhulu, kuvule indlela yokuyiqeda ngokuphelele.

36:59.437 --> 37:06.601
Profesa Hans-Werner Sinn, owayengumongameli
we-ifo Institute nomeluleki wezomnotho, uphawula:

37:06.601 --> 37:12.777
Uma i-ECB ifuna ukususa imali yesiliva
ye-euro, iJalimane kumele ibuyisele i-DM.

37:12.777 --> 37:17.303
Imali iyisici esibalulekile senkululeko.

37:17.303 --> 37:21.596
Imali isho inkululeko yokukhetha.

37:21.596 --> 37:28.164
Ngakho-ke kuyigugu kashumi kumuntu ongakaze athole lutho ngakho.

37:28.164 --> 37:32.641
Fyodor M. Dostoevsky, umbhali waseRussia.

37:39.783 --> 37:46.720
Babukeli abathandekayo, imibiko eyengeziwe ngalesi sigameko
eDornbirn isivele iyatholakala ukuze nibuke ku-HOCH2.TV.

37:46.720 --> 37:49.179
Uzothola izixhumanisi ngaphansi kwale nkqubo.

37:49.179 --> 37:53.613
Sifisa ukuthatha leli thuba ukubonga
i-HOCH2.TV ngokubambisana kwabo okuhle kakhulu.