Nthawi zosiyana anthu adayesa kupeza ndalama, osati kuchita china chilichonse, koma kukopa anthu ochuluka kuti agwire ntchito yawo. Poyamba, mawu akuti "piramidi yachuma" anali ndi tanthauzo losiyana ndipo zaka 70 zokha zinayamba kufotokoza zachinyengo.
Kodi piramidi ya ndalama ikugwira ntchito bwanji?
Okonza bungwe la malonda oterewa amaika kampani yawo ngati polojekiti yachuma, akulonjeza kuti amalonda awo amapeza ndalama zambiri kuposa zamsika. Anthu omwe ali ndi chidwi ndi momwe piramidi ya ndalama ikuyendetsedwera, ndibwino kuti tiyankhe kuti kampaniyo sichipeza chilichonse ndipo sichigulitsa: imapereka ndalama kwa ophunzira pokhapokha pakhomo la obwera kumene. Phindu lalikulu kwambiri la izi laperekedwa kwa okonza ntchitoyo komanso momwe zilili, anthu ambiri "amayamba kugwira ntchito".
Zizindikiro za piramidi ya ndalama
Pali zofunikira zambiri zomwe mungapeze polojekiti yotereyi:
- Malipiro apamwamba kwambiri, kufika 50-100%.
- Piramidi yachuma imakhala ndi malonda ovomerezeka, okondweretsa ndi mawu omwe anthu wamba sawamvetsa.
- Kuperewera kwa chidziwitso chachindunji, chomwe chingatsimikizidwe, chozikidwa pazipangizo zodziimira.
- Chizindikiro cha piramidi ya ndalama ndi kayendetsedwe ka ndalama kunja.
- Kusasintha kwa deta pa okonza ndi oyang'anira.
- Udindo wopanda cholembedwa ndi charter. Kulibe malemba omwe amatsimikizira kulembedwa kwa boma.
- Inshuwalansi ya malonda a kampani kudera lina.
Kodi mungasiyanitse bwanji kampani yamalonda kuchokera ku piramidi?
Kawirikawiri, ntchito yovomerezeka yolandira ndalama imatengedwa kuti ikhale piramidi, makamaka ngati yatenthedwa ndipo ndalama zambiri zowonjezedwa zimapita kumalipiro kwa oyambilira oyambirira. Komabe, pali kusiyana kwakukulu pakati pawo. Anthu amene amapempha chomwe sichiri chizindikiro cha piramidi ya ndalama, ndiyenera kunena kuti kampani yopanga ndalama siibisa ntchito zake. Ngati mukufuna, mungathe kudziwa nthawi zonse kuti ndi ndani yemwe ali woyambitsa ndi mtsogoleri wawo, ndipo ndi mtundu wanji wa bizinesi yomwe kampaniyi imapereka.
Musanayambe kulembetsa bungwe lotero, mukhoza kuwerenga za intaneti pa Intaneti, kuyankhula ndi ochita malonda, kupeza ngati amalandira malipiro nthawi zonse ndi kukula kwake. Piramidi yachuma imagwira ntchito pokopa chiwerengero chowonjezeka cha anthu, koma mu kampani yowona ndalama, mwiniwakeyo adzalandira ndalama zake mosasamala kanthu kuti ndi anthu angati omwe akukhudzidwa ndi polojekitiyi.
Kodi pali kusiyana kotani pakati pa malonda a malonda ndi piramidi ya ndalama?
Pano, kusiyana kuli kovuta kwambiri, chifukwa ngakhale makampani ovomerezeka, ofalitsa sakudziwitsidwa za kuchuluka kwa ndalama zomwe adzalandira chifukwa cha ntchito zawo, ngakhale malonda akulonjeza. Kusiyana pakati pa malonda a pa intaneti ndi piramidi yachuma ndizole zomwe kale zimagulitsa malonda ndi zinthu zina. Ngakhale m'makampani ambiri, ogulitsa akhoza kulandira ndalama osati kuchokera ku kugulitsa katundu, koma kulipira malipiro ochokera kwa ogwira ntchito ku kampani.
Mitundu ya mapiramidi a ndalama
Masiku ano, mitundu iwiri ya mapiramidi ndi ofala kwambiri:
- Piramidi ya pytilevel. Chitsanzo ndi "Organization of Indies" ndi John Law. Wokonza bungwe anakopa oyendetsa ndalama kuti amange mtsinje wa Mississippi. Ndipotu, ndalama zambiri zomwe zimagulitsidwa zimapita kukagula mabungwe a boma. Kuwonjezeka kwa magawo mu mtengo kunayambika ndi kuthamanga kwakukulu ndipo pamene ndalama zimakhala zazikulu, ndipo mtengo unalumphira kupita kosawerengeka, piramidi inagwa.
- Ponzi Piramidi Ponzi . Chitsanzo ndi "SXC", yomwe inagwiritsidwa ntchito pogulitsa ngongole zake. Otsatsa malonda adakopa wokonza bungwelo, akuwalonjeza kuti apindula potsatsa malonda, ngakhale kuti sakagula makoni, chifukwa sangathe kusinthanitsa ndalama. Pamene "Magazini ya Post" inati chiwerengero cha ndalama zonse zofalitsa zikuyenera kukhala ndi zikoni 160 miliyoni, ziwonetserozi zinawonekera, chifukwa chiwerengero cha anthu awo chinali 27,000 okha.
Kodi mungapange bwanji piramidi ya ndalama?
Zosiyanasiyana, momwe mungapangire piramidi ya ndalama, pali zambiri mu intaneti, ndi zenizeni. Mu Webusaiti Yadziko Lonse, dongosolo la "7 wallets" liri lotchuka kwambiri. Wopanga bungwe amapereka ndalama zing'onozing'ono za 7 zikwama zamagetsi, kenaka akuwonjezera nambala yake ya akaunti ku mndandandawu ndi kutumiza malonda pa malo ochezera , magulu ndi maulendo, akuitanira kuti alowe mu polojekitiyo. Komabe, mukufuna kudziwa momwe mungapangire piramidi ya ndalama, muyenera kukumbukira kuti ntchito iliyonse ya mtundu umenewu idzalephera. Ngakhale anthu onse okhala padziko lapansi akujowina, idzatha pamene membala womaliza atalowa.
Kodi mungagwiritse ntchito bwanji ndalama pamapiramidi?
Osakhalanso anthu adyera amapeza ndalama mwa kulowa nawo bungwe loterolo. Chinthu chachikulu sichiyenera kulingalira zapindula pa mapiramidi a ndalama monga chitsimikizo chokha ndi chosatha cha ndalama. Kulowa mu bungwe liyenera kukhala pachimake cha chitukuko chake, osati pamene abwenzi ambiri ndi abwenzi adalandira kale, chifukwa mfundo ya piramidi ya ndalama ndi yakuti sakhala moyo wautali. Mukamaliza kukhalapo, ndalama pamodzi ndi chiwongoladzanja ziyenera kuchotsedwa ndipo zisakhalenso zoopsa.
Zotsatira za mapiramidi a ndalama
Nkhani zambiri zoopsya zikugwirizana ndi ntchito yawo. Kumapeto kwa zaka za m'ma 1900 ku Albania, makampani onse omwe anali ndi ndalama zokwana 30 peresenti ya GDP pachaka ya dzikoli anawononga ku boma kuti pambuyo pa kugwa kwa dongosolo lino, asilikali adayenera kubwezeretsa dongosolo ndi kulimbikitsa okwiya. Chifukwa chake, anthu anafa, ndipo boma linakakamizika kusiya ntchito. Piramidi yopanga ndalama imakhudza anthu omwe ali pachiopsezo kwambiri, chifukwa ambiri a iwo amavutika ndi anthu osawerengeka, osaphunzira.
Psychology of ozunzidwa ndi mapiramidi a ndalama
Omwe akugwira ntchito yotereyi sikuti amadziwa bwino kuwerenga, koma amadziwika bwino pankhani zalamulo ndi anthu olemera. Iwo samachita manyazi ndi chinyengo, ndipo iwo ali okonzeka kuti anyengedwe, kuti mutha kudzipusitsa nokha. Anthu oterewa amapanga mtundu wa asteroid. Chikhalidwe chawo chimadziwika ndi kutengeka, kukhudzidwa mtima, zosavuta kuganiza, osatchula kuti hypnosis.
Iwo akufuna kudziwa momwe angagwiritsire ntchito ndalama pa piramidi ya ndalama, ndipo okonzekera ali okonzeka kuyankha mafunso awo onse, kufotokozera chirichonse mu mitundu yosiyanasiyana, kuseka ndi kubwezera zifukwa zonse zomveka ndikupanga chikhalidwe chachinyengo, kusewera kwa anthu opanda chidwi, umbombo ndi mantha akusowa mwayi. Ndipo pamene malipiro oyambirira amayamba, munthu sangathe kuima. Zili ngati kusewera, pomwe chisangalalo chimawatsutsa mfundo zonse za malingaliro.
Mapiramidi otchuka kwambiri azachuma
Dziko likudziwa ntchito zambiri zonyenga zomwe zasokoneza zikwi ndi mamiliyoni a anthu. Zina mwa izo:
- YAM'MBUYO YOTSATIRA "MMM" S. Mavrodi . Poyamba, kampani yake inkachita zamalonda ndi malonda, ndipo mu 1994 anayamba kugulitsa magawo ake, kuyika gawo linalake la kugula ndi kugulitsa malondawa, omwe akhala akukula nthawi zonse. Bungwe la bankrupt lidazindikiridwa kokha mu 1997 ndipo pa nthawiyi Mavrodi adakwanitsa kukhala wotsogolera, ndipo pamene chinyengo chake chidaululidwa kale. Malingaliro osiyanasiyana, oposa 2-15 miliyoni omwe anagonjetsedwa anali ozunzidwa.
- Mapiramidi otchuka a zachuma ndiwo kampani ya Bernard L. Madoff Investment Securities LLC B. Meidoff . Anakhazikitsa bungwe lake mu 1960, ndipo mu 2009 anaimbidwa mlandu wonyenga ndipo anaweruzidwa kundende zaka 150.
- "Vlastilina" VI. Solovyovoy . Kampani yake inadzitamandira chifukwa choyamba kupeza magalimoto, koma zaka ziwiri gulu litagwa mu 1994, likusiya anthu opitirira 16,000 opanda magazi awo.