Kodi Chofunikira Pakatikati Mwa Momwe Timapangira Zoona

Kodi mudayamba mwadzifunsapo chifukwa chake mabanki apamwamba amakhala ndi chizolowezi chokhala ndi mawotchi oyika panja nyumba zawo? Kodi ndi mtundu pang'ono chabe wachikhalidwe womwe udayamba kwinakwake Model Zenizeni, kapena pali zakuya zomwe zikutanthauza kukhudzidwa? Moyenera, tsopano sizangochitika mwangozi kuti mabanki ndi osunga ndalama amakonda kwambiri mawotchi. Zowonjezera kuposa thupi lina lililonse, osunga ndalama amasunga: nthawi ndi ndalama.

Pamlingo wosavuta, sikovuta kuzindikira chifukwa. Zongofuna mwachitsanzo, tiyeni tiganizire kuti mukukongola $1000 kuchokera ku bungwe lazachuma lomwe limayang'anira chiwongola dzanja cha 5% pachaka. M'chaka chimodzi, mudzalipira ngongole yobwezeredwa, madola chikwi kuphatikiza asanu%, okwana $1,050. Banki idagwiritsa ntchito “nthawi” – 365 masiku, kusinthitsa $ chikwi chimodzi kuti $1050.

Lingaliro loti nthawi ndi ndalama lipitanso kukhala locheperako kwa mamuna kudzera pa dzina la martín de azpilcueta. Katswiri wazachuma waku Spain yemwe amakhala mkati mwa zaka za m'ma 1500. Iye anali mmodzi mwa oyamba kupanga lingaliro losankhidwa kapena mfundo ya ndalama ndi kulumikizana kwake ndi nthawi.

Koma lingaliro loti “nthawi ndi ndalama” amatha kutsatiridwa kumbuyo zaka zosachepera mazana awiri kale kuposa. Masiku a azpilcauta njira yamoyo wamabanki yotumiza mawotchi panja mabungwe awo adayamba mkati mwa zaka zoyambirira. Mogwirizana ndi katswiri wamagulu a anthu morris berman. Pambuyo pazaka za m'ma 1300 m'mizinda yaku Italiya “anakantha 24 maola tsikulo”. Berman adatero m'buku lake, “kukonzanso kwa bwaloli.”

sizopotoza tsogolo kuti mtundu watsopano wamalonda azachuma udasintha ndikukwera mzaka za 13th ndi 14th. Berman adati, makamaka ku Italy, momwe mawonekedwe atsopano a kuwerengera ndalama amatenga malo akale, nyumba zosokonekera. Mtundu watsopanowu wachuma udayamba kuyambika kwachuma chatsopano: capitalism. Njira, capitalism yowona pamsika monga tikudziwira masiku ano sakanalimbikiranso mpaka zaka za m'ma 1700. Koma lingaliro loti ndalama zitha kukhudzidwa kapena kuponderezedwa kudzera pakapita nthawi zimatha ndikuyenda ku ulaya mpaka mkatikati mwa kanthawi.

Masiku ano, anthu ambiri amazitenga osaganizira kuti “nthawi ndi ndalama”. Ndi lingaliro lomwe lakhala likukhazikika mu moyo wathu watsiku ndi tsiku. Ndipo khazikika kwambiri mukulingalira kwathu, sitingakhulupirire nthawi kapena dziko lapansi pomwe izi sizinali choncho. Komabe koyambirira kwa chaka 1200, nenani, pafupifupi palibe amene amaganiza za nthawi ngati ndalama. Wotchi yeniyeni yoti anthu aziphunzira inali yosowa. (mawotchi oyenda sundial ndi madzi amapitanso zaka mazana ambiri, komabe ndi nkhani ina iliyonse!). M'mbuyomu kuposa kupangidwa kwa wotchi zamakono, sipanakhalepo chidwi chotere pakapita nthawi.

Mamiliyoni aanthu masiku ano amalandila ntchito “kudzera pa ola”. Zomwe zimayendetsa zowunikira zakuti nthawi ndi ndalama. “ngati ndikugwira ntchito 8 maola kwa $10 poyenda ndi ola, ndimalandira $ makumi asanu ndi atatu!” ndipo dziwani momwe lingaliro la nthawi limagwirira ntchito mchilankhulo chathu m'njira zambiri. Ngati wina ayikapo zoposa 40 maola ogwirizana ndi sabata, ndiko kulingalira “kupitirira nthawi yanthawi zonse”. Wachiwiriyu “lembani” ya nthawi, “nthawi yowonjezera,” nthawi zambiri amakhala chuma chochulukirapo kuposa “nthawi yanthawi zonse”. Chifukwa munthuyo amalandila ndalama zambiri pogwira ntchito maola ambiri.

Chifukwa chakuti nthawi ndi ndalama, malonda a “kuwongolera nthawi kwamphamvu” wabwera ngati bizinesi pakokha. Mutha kugula mabuku kuti mugwiritse ntchito nthawi yanu mwanzeru. Tengani masemina pakuwongolera nthawi, ndi kusanthula “zanzeru” kuzigwiritsa ntchito mwamphamvu kwambiri pang'onopang'ono. Tonsefe tili ndi chidwi chogwiritsa ntchito nthawi yathu bwino chifukwa izi nthawi zambiri zimatilola kupanga ndalama zowonjezera.

Modabwitsa, Njira imodzi yopezera ndalama zowonjezera ndikuthawa kugwira ntchito yolipira molingana ndi nthawi. Anthu ena salipidwa kudzera mu ola, komabe ngati njira ina kudzera mu yr, ndi ndalama zapachaka. Ntchito zolipidwa posankha zimalipidwa bwino kuposa ntchito zolipirira ola limodzi. Vuto ndi malipiro a ola limodzi ndikuti pali maola ochepa patsiku. Kotero ziribe kanthu momwe mukufunira zambiri, kwakanthawi kukukakamiza.