Iphiramidi yezezimali - kuyini: incazelo nencazelo + izinhlobo eziyinhloko nezimpawu zamaphiramidi ezezimali

Sawubona, bafundi abathandekayo bemagazini ye-Ideas for Life! Namuhla sizokutshela ukuthi iyini iphiramidi yezezimali, yiziphi izimpawu zamaphiramidi ezezimali nokuthi ungazibona kanjani zisencane.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Ngakho-ke, uzofunda kule ndatshana:

• Luyini uhlelo lwephiramidi futhi lusebenza kanjani;
• Umlando wamaphiramidi;
• Yiziphi izinhlobo zamaphiramidi ezezimali akhona nokuthi ungawabona kanjani kusenesikhathi;
• Kwehluke kanjani ukumaketha kwenethiwekhi kuhlelo lwephiramidi;
• neminye imininingwane eminingi ewusizo.

I-athikili izoba wusizo kuwo wonke umuntu onentshisekelo ezindabeni zezezimali, nakwalabo abafuna ukungalahlekelwa yimali emicimbini enjalo. Musa ukuchitha isikhathi sakho! Funda i-athikili njengamanje.

Mayelana nemipiramidi yezezimali, ukuthi ayini, ayizinhlobo ezinjani, inhloso yokwakha amaphiramidi - funda ku

1. Yini iphiramidi yezezimali - incazelo nencazelo yethemu 📑

Iphiramidi yezezimali (ngokombono wezomnotho) - lokhu uhlelo olwenzelwe ngokukhethekile ukudala imali ngokuheha amalungu amasha amasha.

Ngamanye amazwi, labo abangena kule mbhoshongo banikela ngemali kulabo abangene kuqala.

Kukhona ezinye izikimu lapho zonke izimali zigxilwe kumuntu oyedwa kuphela, ongumgqugquzeli walo mbhoshongo.

ERussia, lapho kukhulunywa ngombhoshongo wezezimali, ngokushesha kufike engqondweni Mmm, okwakhuthazwa ngenkuthalo ekuqaleni kweminyaka engamashumi ayisishiyagalolunye. Lapho lombhoshongo uwa, izinkulungwane zabantu zahlupheka.

Amapiramidi amaningi acasha ngemuva kwesifihla emisebenzini yawo utshalomali, futhi esiza abantulayo izimali, izinkampaniukukhiqiza izimpahla ezingamanga kunikeza abafaka imali isethembiso sokuthatha imali ngokungazelele.

Bangu olunye uhlobo lwephiramidi yezezimali... Kuvela kwezinye izimo nanjengomphumela wokuqhuba ibhizinisi elijwayelekile. Lokhu kwenzeka uma umhleli womsebenzi ebalwe ngokungafanele inzuzo. Ngenxa yalokhu, esikhundleni senzuzo, kutholakala ukulahleka, akukho lutho okufanele ukhokhe nababolekisi kanye nabatshalizimali.

Ukugcina ibhizinisi liqhubeka, nalabo umnikazi wabo abakweleta imali, bengamangaleli, kuthathwa imali mboleko emisha. Imali etholakele isetshenziselwa ukukhokha izibopho ezicatshangwe ngaphambilini. Akulungile ngokuphelele ukubheka uhlelo olunjalo njengokukhwabanisa; kunalokho, lubhekisa ebhizinisini elingekho emthethweni.

Imvamisa abakhwabanisi vala imbhoshongo ngokwenza ibhizinisi. Kulokhu, kungahle kube nokukhokha okuncane, kepha kuhlala kuncane kuneminikelo eyinhloko kwiphiramidi uqobo. Iningi lemali engenayo yokucabanga ivela eminikelweni yabatshalizimali.

2. Umlando wokuvela kwamaphiramidi ezezimali 📚

Igama elithi "amapiramidi ezezimali" izikimu zokukhwabanisa zaqala ukubizwa eNgilandi eminyakeni engamashumi ayisikhombisa. Kodwa-ke, bavele ngaphambili kakhulu. Iphiramidi yokuqala (Inhlangano ye-Indies Joint Stock Company) yadalwa nguJohn Law. ukuqoqa imali yokuthuthukisa iMississippi.

Ngokokuqala ngqá isakhiwo esifana nesamanje amaphiramidi ezingeni elilodwa avela ngo-1919... Umuntu waseMelika waba ngumsunguli wale phrojekthi UCharles Ponzi... Kungenxa yegama lakhe lapho lezi zinhlelo zibizwa namuhla.

Le nkohliso ibiboshelwe kumakhuphoni, okuvele ukuthi abengathengiswa ngemali. Ukuphela kwento ebingenziwa ngabo bekungukuthi ukushintshanisa... Noma kunjalo, ababambiqhaza bokuqala kule phiramidi bathola imali engenayo, ngokwemvelo, ngenxa yokutheleka kwabatshalizimali abasha.

UMaxim Fadeev

Uchwepheshe emkhakheni wezezimali nakwezomnotho.

ERussia, inani eliphakeme lomsebenzi wamaphiramidi lawela esikhathini sokushintshela emnothweni wezimakethe. Kungaleso sikhathi lapho kwaba khona ihlazo elikhulu ngephrojekthi ye-MMM.

Namuhla, izikimu zamaphiramidi azivunyelwe emazweni amaningi. E-United Arab Emirates, kanye nase China, kungakhiwa kungakhishwa iphiramidi yezezimali Isigwebo sentambo... ERussia, izenzo ezinjalo zingaphansi kwesibopho sobugebengu.

📌 Funda futhi isihloko esithi "Umlando Wemvelaphi Yemali".

Izizathu eziyinhloko zokwenziwa kwamaphiramidi ezezimali

Izizathu ze-3.7 zokuvela kwamaphiramidi ezezimali 📎

Amaphiramidi ezezimali aqala ukwakheka ngesikhathi esifanelekayo ezepolitiki futhi kwezomnotho isimo.

Izidingo ezibaluleke kakhulu zokuvela kwezinhlelo ezinjengalezi:

1. ukwehla kwamandla emali okuphansi;
2. umbuso kufanele usebenzise imigomo yomnotho wezimakethe;
3. kufanele kube nokusakazwa kwamahhala kwezokuphepha ezweni;
4. ukulawulwa komthetho kokwakhiwa nokusebenza kwezinhlaka ezinjalo athuthukisiwe kahle, azikho izinkambiso ezihambisanayo;
5. ukwanda kwezinga lemali engenayo yeningi labantu;
6. izakhamizi zinezimali zamahhala ezilungele ukutshala ezinhlakeni ezehlukene zezezimali;
7. izinga eliphansi lokufunda ngezezimali kwabantu, kanye nokwesekwa kolwazi okungekuhle.

Zonke lezi zimfuneko ziqhuba abantu abasebenzayo ukuthi bakhe izikimu zamaphiramidi ezephula imithetho yezwe.

4. Izinhloso zokwakha amaphiramidi ezezimali 📑

Amaphiramidi ezezimali enziwa ngenhloso yokucebisa abahleli bawo futhi lokhu kwenzeka ngenxa yokutheleka kwabatshalizimali abasha. Kwesinye isikhathi labo abangena kulolu hlelo ekuqaleni kwamapiramidi, base bekhipha imali yabo ngesikhathi, nabo bathola inzuzo.

Iminikelo (idiphozi) kuphiramidi yezezimali akakaze atshale ndawo... Bathunyelwa ukukhokha umholo emazingeni aphezulu ababambiqhaza.

Ngamanye amazwi, labo asebavele bangena kule mbhoshongo bathola imali yabo ngokuheha amalungu amasha namasha. Ngakho-ke, kuyasiza kubo bonke abanikeli ukuheha abantu abaningi ngangokunokwenzeka kulesi sikimu. Kulesi simo kuphela lapho bezothola khona inzuzo.

Ngakho-ke, amaphiramidi athola ukuthandwa masinyane futhi anezinga eliphakeme lokusatshalaliswa.

Kwesinye isikhathi, ukuze kufihlwe iphiramidi yezezimali, kwenziwa umkhiqizo othile. Kodwa-ke, lokhu akushintshi umnyombo wohlelo. Umkhiqizo awuthwali nzuzo, wenziwa kuphela ngenxa yeminikelo yabahlanganyeli abasha kule phiramidi.

Ngaphandle kokuthi izimali ezingenayo zisatshalaliswa ngokwezinhlelo ezahlukahlukene, umgomo oyinhloko wanoma iyiphi iphiramidi ukuheha abahlanganyeli abasha abaningi ngangokunokwenzeka.

Ngokushesha noma kamuva, ukungena kwabatshalizimali abasha kuyoma futhi okwamanje akukho lutho lokukhokha kubabambiqhaza bepiramidi. Umphumela uhlala ufana - iphiramidi liyawa.

Lapho bengena kulo mbhoshongo, ababambiqhaza kumele bazi ukuthi akubona bonke abantu abazobuyiselwa imali yabo (ingasaphathwa imali engenayo). Labo abazoba ngabokugcina ukungena kulo mbhoshongo cishe bazolahlekelwa yikho konke ukutshalwa kwemali kwabo.

Imvamisa, abanikazi bohlelo lokukhwabanisa, lapho bebona ukuthi ukungena kwabantu abafake imali sehlile, bayamisa ukukhokha. Ngemuva kwalokho, baqoqa ngokuthula izinsalela zezimali eziqoqiwe futhi banyamalale ngendlela engaziwa.

U-Emil Askerov

Isazi sokufunda ngezimali, umhlaziyi kanye nochwepheshe.

Buza umbuzo

Yingakho kungafanele ulindele ukuthi uzokwazi ukuceba ngokwenza imali engabazisayo. Kunzima ukuthola ukuthi iphiramidi yezezimali ikusiphi isigaba nokuthi izokuwa nini. Lokho wukuthi, ubungozi bokulahlekelwa yimali etshalwe kupiramidi buhlala buphakeme kakhulu.

Kungakuhle ucabangele utshalomali oluthembekile nolunenzuzo. Isibonelo, ukutshalwa kwezimali kwebhizinisi kungaletha imali engenayo eningi kunezinsimbi zezimali ezingaziwa nezinengozi enkulu.

Ngabe lusebenza kanjani uhlelo lwephiramidi - izigaba eziyinhloko zokudala

5. Isimiso sephiramidi yezezimali - izigaba ezi-3 zepiramidi yakudala 📝

Umqondo wezikimu zamaphiramidi ubungeke uphelele uma ungafundi ukuthi zisebenza kanjani. Indlela elula yokuqonda lolu hlelo ukubheka izigaba zokuba khona kwephiramidi usebenzisa amanani wezinombolo.

Isigaba 1. Dala iphiramidi (ileveli yokuqala)

Umhleli uqinisekisa abahlanganyeli abangu-4 (abane) ukuthi bajoyine iphiramidi. Ngesikhathi esifanayo, uthatha kubo 100$ njengemali yokungena futhi uthembisa ukukhokhela ilungu ngalinye elisha 25$.

Imali engenayo yomhleli esigabeni sokuqala yayingu-100 x 4 = 400$

Izindleko ziyi- $ 0

Isigaba 2. Ukudalwa kwezinga lesibili lephiramidi

Ababambe iqhaza ezingeni lokuqala baheha abafaka imali abayi-4 (abane) kule phiramidi ngemigomo efanayo naleyo abazizele yona. Kumnikeli ngamunye odonsekile, ababambiqhaza bezinga lokuqala bathola 25$.

Imali engenayo esigabeni sesibili: 4 x 4 x 100 = $ 1,600

Ingqikithi yemali engenayo selokhu yadalwa: 400 + 1,600 = 2 000$

Izindleko: 4 x 4 x 25 = $ 400

Inzuzo ephelele yomhleli: 2,000 - 400 = 1,600 $

Isigaba 3. Ukudalwa kwezinga lesithathu

Bonke ababambiqhaza bezinga lesithathu bangena abanikeli abasha abayi-4 kuphiramidi (izimo ziyafana).

Imali engenayo esigabeni sesithathu: 16 x 4 x 100 = $ 6,400

Ingqikithi yemali engenayo selokhu yadalwa: 6,400 + 2,000 = 8 400$

Izindleko: 16 x 4 x 25 = $ 2,000

Inzuzo ephelele yomhleli: 8,400 - 2,000 = $ 6,400

Lolu hlelo lokuqoqa imali lungathatha isikhathi eside kakhulu. Kuyazuzisa kubahleli ukuthi ababambiqhaza abaningi ngangokunokwenzeka bangene kwipiramidi, ngoba inzuzo yabo incike kulokhu.

Kodwa-ke, lapho isikimu sikhula ngokushesha kunombhoshongo, siyashesha ngokwengeziwe ukuwa... Lokhu kungenxa yokuthi inani labangafaka imali njalo kunjalo.

Lapho ukungena kwabahlanganyeli abasha, yingakho nemali isoma, abahleli bepiramidi bayanyamalala nemali eqoqwe okwamanje.

Izinkokhelo ezifakwa kwabafaka imali ziyamiswa futhi, ngenxa yalokho, labo abangena kule mbhoshongo esigabeni sokugcina basala bengenalutho.

Kodwa-ke, emphakathini wanamuhla, amacebo anjalo iphiramidi yezezimali yakudala akuvamile. Ngenxa yokuthuthuka kwe-Intanethi, izinketho eziningi zokukhohlisa ziyavela. Ngakho-ke, ukuze ungabi yizisulu zabakhohlisi, kufanele ufunde ngokucophelela izimpawu zamaphiramidi ezezimali.

Izimpawu eziyinhloko zephiramidi yezezimali

6.20 isayina ukuthi ingachazwa kanjani iphiramidi yezezimali 📊

Imvamisa, abasanda kufika ekutshaleni imali bayaqiniseka ukuthi batshala imali kumaphrojekthi ahlukaniswa ngamathemba entuthuko, ukuzinza kanye nembuyiselo ephezulu. Kodwa-ke, ukuhlaziywa okuningiliziwe kokutshalwa kwezimali kuvela ukuthi batshale imali yabo ibe yiphiramidi ejwayelekile yezezimali.

Ngenxa yalokho, abatshalizimali abaningi be-novice balahlekelwa izimali zabo ngokushesha okukhulu... Ukugwema ukuba yisisulu futhi ungangeni esimweni esinjalo, kubalulekile ukuthi ufunde ukuthi ungazibona kanjani izinhlelo zokukhwabanisa. Akunakwenzeka ukwenza lokhu ngaphandle kokwazi izici eziyinhloko zamaphiramidi ezezimali.

Namuhla, ngenxa yokuthuthuka komhlaba wonke kwe-Intanethi, izinhlelo zamaphiramidi zisabalele. Ku-inthanethi nsuku zonke zidaliwe futhi ukudilika inani elikhulu lamaphiramidi. Ngasikhathi sinye, kunama-pyramid okuthiwa awaxhunyiwe kwi-inthanethi angaxhunyanisiwe ne-Intanethi.

Ingxenye yamaphiramidi idalwa ngokuqala kabusha amaphrojekthi abekade ekhona. Kulokhu, uhlelo luyasha, ama-akhawunti asethwe kabusha, futhi inqubo iqala kabusha. Kuvame ukuba nezimo lapho abanikazi bepiramidi elilodwa eselivele liwile bakha elisha, ngishintsha nje igama layo.

Abadali abaningi bamaphiramidi anamuhla bavela ohlelweni oludumile lweMMM-2011. Le misebenzi inenani elikhulu lamagama. Kepha kufanele sikukhumbule lokho AMAHIPHALA, futhi at matrices, kanye nezinye izikimu eziningi zinezimpawu zezikimu zamaphiramidi.

Nsuku zonke, ngeposi, ukuxhumana nomphakathi, i-skype, abantu bathola inqwaba yeziphakamiso zokujoyina amaphrojekthi ahlukahlukene anenzuzo enkulu. Ungahlangabezana nezingcingo zokubamba iqhaza kumaphiramidi kumasayithi anikezwa ngemisebenzi, kanye namaphrojekthi anikezelwe ekwenzeni imali online.

Sabhala ngokwenza imali kwi-Intanethi ngaphandle kokutshala imali nokukhohlisa endabeni yethu edlule, lapho sibheke khona izindlela ezinokwethenjelwa neziqinisekisiwe zokwenza imali online.

Akunakuphikiswa ukuthi wonke umuntu ongena kulo mbhoshongo uzolahlekelwa yimali yakhe, ngoba labo abangena esikimini ngaphambi kwesikhathi kunabanye bakwazi ukuthola imali enesizotha.

kodwa ungakhohlwa ukuthi iphesenti lokungena enombolweni yabo lincane kakhulu, ngoba isabelo salabo abenze inzuzo enanini eliphelele lababambe iqhaza sincane kakhulu. Ngakho-ke, ukuze ubone kusengaphambili ukuthi iphrojekthi iyiphiramidi yezezimali, kubalulekile ukwazi izici zazo ezihlukile. Kuzoxoxwa ngazo ngezansi.

Isici 1. Izinga eliphezulu lemali ethenjisiwe

Abatshalizimali abanolwazi bayazi ukuthi izimali ezingaphansi 25-35% unyaka usungabizwa ngokuthi uyingozi impela. Uma isivuno esinjalo sithenjiswa ngenyanga, kunezibonakaliso ezicacile zepiramidi.

Sign 2. Isimo sokuthola imali siheha ababambiqhaza abasha

Lesi sibonakaliso sikhomba ngokusobala ukuthi iphrojekthi iyiphiramidi yezezimali. Kwesinye isikhathi izinkampani zicasha ngeqiniso lokuthi zisebenza njengamaphiramidi ezezimali.

Nokho, ungakhohlwa mayelana nengqikithi yesenzo sezinhlelo ezinjalo: ababambiqhaza abasha bayadingeka ukuze iminikelo yabo iye emholweni wabahlanganyeli abadala nokuqinisekisa inzuzo yabahleli.

Uphawu 3. Isikimu sokukhokhwa kwemali engenayo asicaci noma asstruse kakhulu

Ngamanye amagama, umtshalizimali uthenjiswa imbuyiselo enkulu engatholwa ngokufeza imibandela ethile. Ngaphezu kwalokho, zonke izimo ezidingekayo ziqukethe inani elikhulu lamaphuzu.

Kuyacaca ukuthi ezimweni ezinjalo, impela kuzoba nesizathu sokungazikhokhi izimali, kubhekiswe eqinisweni lokuthi elinye lamaphuzu esivumelwano alikafezeki.

Isici 4. Imali engenayo eqinisekisiwe

Azikho izindlela zokutshala imali ezingaqinisekisa imali engenayo yomtshalizimali. Ngakho-ke, uma ukukhangisa kuqinisekisa imali engenayo, ngisho nemali engenayo ephezulu kakhulu, lokhu kungakhombisa ubukhona bezimpawu zepiramidi ezenzweni zenkampani.

Isici 5. Imali engenayo ekhokhelwe abafaka imali ngenxa yamalungu amasha enkampani

Lesi sici silandela kusuka kusikimu sephiramidi. Njengoba ingekho inzuzo yangempela, ukuphela kwendlela yokukhokha imali engenayo ukuheha abatshalizimali abasha.

Isici 6. Ukuphoqa ukwenza iminikelo ngezikhathi ezithile noma ukuthenga izimpahla zenkampani

Uma, ukuze ubambe iqhaza kutshalo-mali, inkampani idinga njalo faka imali noma bathenge izimpahla abazidingi ngamanani aphezulu, lapho-ke inhlangano ayitholi nzuzo emisebenzini yayo. Kugcinwa kuntanta kuphela ngenxa yokutheleleka kwabahlanganyeli kuhlelo.

Sayina 7. Umkhiqizo ubukeka njengowenganekwane noma uthengiswa ngentengo ekhuphuke kakhulu

Lesi sici sikuvumela ukuthi ubone ukuthi inkampani uhlelo lwephiramidi noma imane isebenza ngaphakathi kohlaka lokumaketha kwenethiwekhi. Kulokhu kokugcina, umkhiqizo wangempela usatshalaliswa ngamanani wangempela.

Sibhale ngokuningiliziwe ngomgomo wokumaketha kwenethiwekhi nokuthi uyini endabeni ehlukile.

Lo mbhoshongo uthengisa into efana nejikijolo laseCuba, okuthi, ngemuva kokuvunwa, lithunyelwe eJapane, lapho kwenziwa khona i-pomace ngalo, elifakwa e-Italy. Umphumela uyithuluzi elikuvumela ukuthi ulahlekelwe isisindo ngokushesha nezindleko 399$ ngamagremu ayi-100.

Ngokwenza njalo, okungenani, bathengisa ukumnika kwamakhambi ajwayelekile asensimini. Ukuthengisa okunjalo kukhombisa ngokusobala ukuba khona kwezikimu zokukhwabanisa.

Isibonakaliso 8. Isisusa esiqhubekayo

Abadali bamaphiramidi baqinisekisa njalo abatshalizimali babo ukuthi umsebenzi ufana nobugqila, wonke umuntu owenele ufuna ukuthola imali engenayo, ukuzimela kwezezimali. Abasunguli bayavumaukuthi inkampani yabo ikuvumela ukuthi ulahle abaqashi, ngoba lokhu kwanele ukusebenza eqenjini elinobungane futhi kuzuze lona. Iyini imali engenayo yokwenziwa nokuthi ungayakha kanjani, ungafunda ku-athikili yethu.

Isikhuthazo esinjalo sinengcindezi enamandla kunayo yonke engokwengqondo kuwo wonke umuntu onezinkinga ezincane zezimali. Ukubona kuzikhalazo indlela ekahle yokuhola imali, abantu baletha izimali zabo enkampanini.

Ngokwenzayo, yenza imali ngamaphiramidi yehluleka cishe noma ngubani.Imali ingatholwa kuphela ngabadali, kanye nemvelo yabo eseduze, evame ukutholakala emazingeni aphezulu ohlelo. Futhi-ke bazosebenza kuphela uma bengalethwa enkantolo.

Isici 9. Izikhangiso ezingenalo ulwazi oluthile

Isikhangiso sifuna ukujoyina iphrojekthi eyingqayizivele, enenzuzo enkulu, futhi entsha. Ngasikhathi sinye, akukho okubonisa ngokusobala ukuthi iyiphi.

Sign 10. Izingcingo zokujaha ukutshala imali

Iziqubulo ezinjalo zikhomba ukuthi ngabatshalizimali bokuqala kuphela abazokwazi ukuthola imali yangempela.

Ngaphambi kokuba utshale imali yakho, udinga ukuthi uhlaziye ngokucophelela yonke imininingwane yotshalo-mali futhi ungagijimeli ukutshala imali. Sincoma futhi ukuthi sifunde imibhalo yethu - "Ungatshala kuphi ukuze uthole imali yenyanga", ekhuluma ngezindlela eziyinhloko neziqinisekisiwe zokutshala imali.

Uphawu 11. Ubiza isenzo manje

Lesi sibonakaliso sifana kakhulu nesangaphambilini. Iziqubulo zokujoyina lo msebenzi Namuhla, ngesonto nokunye okunjalo kuhloselwe ingcindezi yengqondo. Bafaka ingcindezi kokungazi, beveza ukuthi esikhathini esizayo esiseduze ukunikezwa okulingayo kuzophela. Kungcono ukuziqhelelanisa neziqubulo ezinjalo.

Isimpawu 12. Imininingwane itholakala kuphela kuzethulo zevidiyo

Okuvame kakhulu ukwehluka imibiko yevidiyo, izethulo, amarekhodi omhlangano futhi izingqungquthelakukhombisa inani elikhulu lababambiqhaza nokwabiwa kwemali, ziwuphawu olucacile lwamaphiramidi... Ngokokuqala ngqá izindlela ezinjalo zokuheha abafaka imali ezweni lethu zisetshenziswe nguSergey Mavrodi.

Kumele kukhunjulwe ukuthi izinkampani zokutshala imali zangempela zisebenzisa i-arsenal ebanzi kakhulu yezindlela zokutshela ngazo nokuheha amaklayenti.

Isici 13. Ukungaziwa

Imininingwane ngabadali bephrojekthi ayikhangiswa ndawo, bamane nje abekho, cishe akunakwenzeka ukuthola ukuthi ngubani owadala futhi ophethe iphrojekthi.

Kwesinye isikhathi izikimu zamaphiramidi zibhekisa eqinisweni lokuthi leyo mininingwane iyimfihlo yokuhweba.

Isignali 14. Ukuthola imininingwane yephrojekthi, udinga ukuya engqungqutheleni noma emhlanganweni

Abangaba abaxhasi bangakhangwa yimicimbi eyahlukahlukene. Kwesinye isikhathi le ndlela yokuheha isetshenziswa nayizinkampani zokumaketha zenethiwekhi kanye nabathengisi bezezimali.

Kodwa-ke, ngokuhlanganiswa nezinye izimpawu ezivela ohlwini, izenzo ezinjalo zibonisa ukwakhiwa kwepiramidi. Ngaphezu kwalokho, maqondana nemipiramidi, ababambiqhaza emhlanganweni banxenxwa ngentshiseko ukuthi batshale izimali besebenzisa izindlela ezahlukahlukene zengqondo.

Sign 15. Isethenjwa esivumelwaneni sokuthi inkampani ayinaso isibopho sokubuyisa izimali ezitshalwe kuso

Abadali bamaphiramidi bavamise ukuba nolwazi olunzulu ngamagama asemthethweni. Ngakho-ke, ekubeni benomshwalense ophikisana nezinqubo ezahlukahlukene zomthetho, basesivumelwaneni khipha izigaba mayelana nezibopho zenkampani kubabeki bamadiphozithikanye neziqinisekiso zokubuyiselwa imali.

Imvamisa lapho kutshalwa imali kumaphiramidi, kutshalwa imali njengeminikelo noma iminikelo yokuzithandela. Ngasikhathi sinye, abatshalizimali bafundiswa ukuthi akunakwenzeka ukwenza utshalomali lube semthethweni ngenye indlela, futhi kunikezwa izizathu ezahlukahlukene zomthetho. Kodwa-ke, amaqhinga anjalo kufanele axwayise abatshalizimali, ngoba akhombisa ngokusobala ukuxhaswa kwepiramidi.

Isici 16. Le nkampani ibhaliswe phesheya, imvamisa isolwandle

Akuvamile ukuthi uhlangane nokunikezwa kokutshala imali ezinkampanini zakwamanye amazwe ezinenzuzo. Ukubhalisa kude neRussia kungakhombisa iphiramidi, ngoba cishe kuzoba nzima ukuletha inkampani (inhlangano) enkantolo.

Isici 17. Inkampani ayikho nhlobo

Kulokhu, inhlangano esemthethweni ayibhalisiwe nhlobo. Inani elithile labantu abajwayelekile abazimele (bemvelo) abashintshana ngemali.

Kuyiqiniso, ezinhlelweni ezinjalo, abanikazi bephrojekthi abazami ukufihla iqiniso lokuthi bahlele iphiramidi ejwayelekile yezezimali.

Isici 18. Awekho amalayisense wokwenza imisebenzi yezezimali

ERussia, kuphela lezo zinkampani ezitholile ilayisense lemisebenzi enjalo ezingadonsela abantu imali. Ukungabi bikho kwayo kukhombisa ukungabi semthethweni kwalowo msebenzi.

Uphawu 19. Umtshalizimali akaxwayiswa ngobungozi

Noma iyiphi inketho yezimali zokutshala imali ihambisana nezingozi. Izinkampani kufanele zixwayise abatshalizimali ngalokhu. Ngakho-ke, uma isixwayiso sengozi engekho noma ngisho umtshali-zimali athenjiswa ukuthi uzotshala imali ngaphandle kwezingozi, singasho ngokuzethemba ukuthi lena yiphiramidi yezezimali.

Isibonakaliso 20. Ukuvinjelwa kokudalulwa kwezimfihlo

Uma umtshali-zimali ecelwa ukuthi asayine isivumelwano ngokungadalulwa kwezimfihlo zezentengiso mayelana nomnikelo owenziwayo kanye nemigomo yotshalo-mali, kungenzeka ukuthi uhlelo lwephiramidi luyenzeka. Izinkampani ezithembekile mancane amathuba okuthi zifihle imininingwane enjalo.

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Kunezimpawu ezimbalwa zamaphiramidi ezezimali, kepha akudingekile nakancane ukuthi babekhona ngasikhathi sinye. Kepha ukuba khona kwanoma iluphi uphawu akusho ukuthi inkampani uhlelo lwephiramidi. Into esemqoka ukuthi ukubonakaliswa kwezimpawu ezinjalo kufanele kuxwayise abatshalizimali.

Kubalulekile futhi ukwazi ukuthi imipiramidi eminingi yesimanje izifihla njengenhlangano elandelayo:

• amafemu wokutshala imali;
• izinkampani zezimali;
• izinhlangano imisebenzi yazo ihlobene nokukhangisa ngenethiwekhi;
• abadayisi.

Kumtshalizimali we-novice, kubalulekile ukuthi ufunde ukuthi unganquma kanjani ukuthi ngabe iphrojekthi iyiphiramidi yezezimali.

7. Izinhlobo zamaphiramidi ezezimali (izinga elilodwa, amazinga amaningi, i-matrix) 📄

Zonke izikimu zokukhwabanisa ezisuselwa kumaphiramidi, ngokwesakhiwo sazo sokwakha, zingaba njalo ihlukaniswe ngamaqembu ama-3 (amathathu)... Abanye abadali bathi bakwazile ukwakha uhlelo olushaqisayo. Kodwa-ke, ekuhlaziyweni ngokucophelela, noma iyiphi yazo ingabangelwa elinye lamaqembu avezwe ngezansi.

Uhlobo lokuqala lwamaphiramidi ezezimali - izinga elilodwa

7.1. Amapiramidi wesibling noma uhlelo lwePonzi

Lolu hlobo lwephiramidi lubhekwa njengolulula kakhulu ngakho-ke luvame kakhulu. Igama lohlelo lwePonzi luvela esibongweni somkhwabanisi wase-Italy okokuqala ngqa ukwazile ukukhohlisa abantu ngale ndlela.

Kulokhu, umgqugquzeli walo mbhoshongo uheha ababambiqhaza kuwo, aqinisekise inzuzo enkulu esheshayo. Kulokhu, kwanele ukwenza umnikelo, akudingekile ukuheha ababambiqhaza abasha.

Abafaka imali bokuqala bakhokhelwa ngumnikazi wesikimu. Lapho udumo lwephiramidi luqala ukukhula, izimali zabatshalizimali abasha ziyahamba ziyoklomelisa abadala. Ngenxa yalokho, inkazimulo yephrojekthi njengokuletha imali yangempela ikhula ngokungenakugwenywa... Ngenxa yalokho, inani labahlanganyeli liyakhula. Abanikeli abaningi benza iminikelo eyengeziwe.

U-Andrey Vernov

Ochwepheshe bezezimali nokutshalwa kwezimali.

Amapiramidi anjalo kaningi azibeka njengezikhwama zokusiza noma zokutshala imali, kanye namaphrojekthi wokusizana. Ngokwemvelo, lokhu kuyisembozo kuphela, empeleni akukho msebenzi owenziwayo.

Ngokungenakugwenywa, enqubeni yokwakhiwa kwephiramidi yezezimali, kufika isikhathi lapho izibopho zenani elikhulu lababambiqhaza zanda njalo, futhi nokungena kuhlelo lwabatshalizimali abasha kuyehla. Ngalesi sikhathi, umnikazi wephrojekthi uqeda umsebenzi bese enyamalala nemali eqoqiwe.

Isikhathi sokuphila sombhoshongo onjalo sinqunywa ukuthi sithandwa kangakanani. Imvamisa kuba njalo kusuka ezinyangeni ezingu-4 kuye kwezingu-24... Ngemuva kokuwa kwephiramidi, inzuzo isala hhayi ngaphezulu kwama-20% bonke abanikeli.

Kunezibonelo eziningana zamaphiramidi kaPonzi:

• MMM, eyenziwe nguSergei Mavrodi;
• Iphrojekthi KaTannenbaum Yokuxhasa ngemali Izidakamizwa;
• Iphiramidi ye-iPhone;
• nabanye.

7.2. Amaphiramidi ezezimali eMultilevel

Uhlobo lwesibili lwamaphiramidi ezezimali - multilevel

Isikimu sokwakha iphiramidi enjalo siyefana nokwakheka kwezinkampani ezibandakanya ukumaketha kwenethiwekhi. Amapiramidi anjalo ambozwa yimisebenzi yokuhweba noma imali enenzuzo enkulu.

Kodwa-ke, noma ngabe umkhiqizo utholakala, unezinga eliphansi futhi awulifanele inani elibekelwe wona. Imikhiqizo enjalo ihloselwe ukuphazamisa ukunakwa kwabafaka imali, lapho izinhlaka ezinjalo zivame ukuthembisa imali engenayo ezingeni elidlula 100% minyaka yonke nokufinyelela 450-500%.

Umhlanganyeli ngamunye kuphrojekthi kufanele akhokhe imali yokungena. Izimali ezitholwe ngale ndlela kwasatshalaliswa phakathi kwabahlanganyeli, etholakala emazingeni aphezulu - labo abameme lo osanda kufika nabambalwa ngenhla kwakhe.

Yakovleva Galina

Uchwepheshe wezezimali.

Buza umbuzo

Ngaphezu kwalokho, umhlanganyeli omusha kufanele ahehe amasha amasha esakhiweni. Imvamisa, kuyadingeka ukuletha kusuka kwababili (ababili) kuye kwabangu-5 (abahlanu) abafaka imali. Ukwenza lokhu, ngqo noma ngokufihla, utshelwa ukuthi iphrojekthi idinga ababambiqhaza abasha, futhi kuphela uma behehwa, umtshali-zimali uzoqala ukuthola imali, aqoqe kancane kancane izimali ezitshaliwe angene enzuzweni.

Kuvela ukuthi, njengakwi- isikimu se-ponzi, imali isatshalaliswa phakathi kwabafaka imali. Inani lamazinga landa kancane kancane, ngenkathi inani labahlanganyeli landa kakhulu.

Emazingeni angaba ngu-10-15, inani lababeki-mali lingalingana nenani lazo zonke izifundazwe.

Ngokushesha noma kamuva umzuzu uzofika lapho kungasekho muntu ozoheha okuqhubekayo. Kwakungalesi sikhathi lapho umhleli asonga iphrojekthi futhi anyamalale nayo yonke imali eqoqiwe. Ngenxa yalokho cishe 90% abafaka imali balahlekelwa yikho konke ukutshalwa kwezimali kwabo.

Izikimu zamaphiramidi zeMultilevel azihlali isikhathi eside. Ngokuvamile, ukuwa kwabo kwenzeka kungakapheli izinyanga eziyisithupha kusukela ngosuku lokudalwa. Ukunweba impilo yale phiramidi, abagqugquzeli bashintsha igama lalo, indawo elikuyo, noma baxhumeke ku-inthanethi.

Izakhiwo ezidume kakhulu zalolu hlobo yilezi:

• I-Talk Fusion;
• MMM 2011 nango-2012;
• IBinar.

7.3. Amaphiramidi ezezimali ohlobo lweMatrix

Amapiramidi anjalo amele izakhiwo eziyinkimbinkimbi zemilevelvel... Umkhiqizo wangempela uvame ukubakhona lapha, ngokwesibonelo, izinsimbi eziyigugu, ama-teas amancane noma izinhlelo ezikhokhelwayo eziqanjiwe ukuqeqesha osomabhizinisi abafisa ukusebenzela.

Uhlobo lwesithathu lwamaphiramidi ezezimali - amaphrojekthi we-matrix

Ngaphandle kokuthi izinkampani ezinjalo ziyizinhlelo zamaphiramidi, abaningi bakholelwa ngobuqotho ukuthi lolu wuhlobo olusha lokutshala imali.

Uhlelo lomsebenzi walezi zinkampani lucishe lulandelayo:

1. Lapho ujoyina iphrojekthi, umbambiqhaza ukhokha imali yokuqala. Ngemuva kwalokho, ulinda ukuthi lonke ibanga ligcwaliswe.
2. Lapho nje izinga eliphansi seligcwalisiwe, i-matrix izohlukaniswa ibe yizinto ezimbili ezifanayo, futhi umhlanganyeli wethu uzokhuphuka ngezinga elilodwa.
3. Manje ababambiqhaza abaningi badinga ukuqashwa ukuze bagcwalise izinga eliphansi.
4. Yile ndlela ukuhlukaniswa okuqhubekayo komatikuletsheni kwenzeka kancane kancane, futhi umhlanganyeli uzokhuphuka kancane kancane.
5. Lapho nje umhlanganyeli efika ezingeni lokuqala ku-matrix yakhe, uzokhokhelwa umvuzo. Kungaba yimali noma impahla, njengebha yegolide. Umkhiqizo, uma ufiswa, ungathengiswa enkampanini efanayo.

U-Aleksenko Sergey Nikolaevich

Umtshalizimali, uthuthukisa ibhizinisi lakhe online futhi ungumqeqeshi oqeqeshiwe wezezimali.

Buza umbuzo

Eqinisweni, kuvela ukuthi ngenkathi kwenziwa iphiramidi ye-matrix, ababambiqhaza abasezingeni eliphansi bayaphonswa ukuze bathenge isipho somhlanganyeli wezinga lokuqala. Umhlanganyeli ngamunye osezansi kancane uya phezulu. Ukusheshisa le nqubo, kungasiza ukuheha abafaka imali abasha.

Kubalulekile ukuqondaukuthi ngaphansi kwezimo zamaphiramidi wohlobo lwe-matrix kuboniswe ngokungaqondakali ukuthi uwuthola kanjani umvuzo okufanele. Esikhathini esiningi kukhonjiswa lapha ukuthi kulokhu kubalulekile ukulinda kuze kugcwale i-matrix. Ngasikhathi sinye, akucaci ukuthi lokhu kuzokwenzeka nini nokuthi kuzokwenzeka nhlobo.

Kodwa-ke, amaphiramidi we-matrix ahlala isikhathi eside kunamanye. Kepha ungathembi: ukuwa kuzokwenzeka kubo.

Ekuphetheni kwalesi sigaba, ake siqhathanise izinhlobo ezi-3 (ezintathu) zamapiramidi. Ukuze kube lula, umphumela wokuqhathanisa uvezwa etafuleni.

Isici sokuqhathanisa	Iphiramidi elilodwa elilodwa	Iphiramidi ye-Multilevel	Iphiramidi yeMatrix
Isakhiwo	Phakathi nendawo umnikazi wephrojekthi. Imali ifika kuye kuze kube umzuzu othile, nguyena osabalalisa imivuzo.	Abahlanganyeli abaningana. Umhleli wepiramidi uxhumana kuphela nezinga lokuqala, kepha wengamela imisebenzi yalo lonke iphiramidi.	Umgogodla ungabahlanganyeli abambalwa abakhuthele. Banentshisekelo kuma-newbies, ngenkathi beletha abatshalizimali abasha.
Umthombo wenzuzo yemfundo	Ukutshalwa kwezimali kanye namaphrojekthi okusiza.	Kuphela imali yokungena yamalungu amasha. Isakhiwo sephiramidi singasifihlwa ngokuthengiswa kwemikhiqizo ehlukahlukene.	Iminikelo evela kubanikeli abangenayo kuphela. Ukubukisa, kusetshenziswa amacebo ayinkimbinkimbi okuthengisa umkhiqizo.
Ukusebenza	Kuya kuphela ngokuncenga komhleli.	Ukuwa kuza ngokushesha okukhulu, njengoba iphiramidi ikhula ngesivinini esisheshayo.	Kungaba isikhathi eside impela, ngoba isikhathi esiqondile sokugcwaliswa kwamatikuletsheni asaziwa.

Njengoba ukwazi ukubona etafuleni, imibhoshongo iyawa noma kunjalo. Ngakho-ke, sincoma ukuthi uthathe indlela eqaphe kakhulu yokutshala imali yakho bese ukhetha ethembeke kunazo zonke kuzo. Isibonelo, kungcono ukukhetha utshalomali lwezezakhiwo kunokutshala imali kuma-HYIP noma kwamanye amaphrojekthi asolisayo.

8. Uyini umehluko phakathi kohlelo lwephiramidi nezinkampani zokumaketha zenethiwekhi 📋

Abaningi bayakukholelwa lokho ukumaketha kwenethiwekhi futhi amaphiramidi ezezimali — into efanayo... Lokhu kungenxa yokuthi ngokuqhathanisa okungenamqondo, le mibono emibili inezici ezithile ezifanayo. Kodwa-ke, kubalulekile ukuthi abatshalizimali bafunde ukuhlukanisa phakathi kwabo.

Ukumaketha Kwenethiwekhi Kuyindlela Esemthethweni ukukhushulwa kwezimpahla kusuka kubakhiqizi kuya kubathengingenkathi kususwa abalamuli abaningana abaphakathi. Ezakhiweni ezinjalo, imali engenayo yomhlanganyeli ngamunye ihlanganiswa kususelwa enanini lezimpahla amawadi akhe azokwazi ukuzithengisa.

Kuvela ukuthi uma ababambiqhaza kulolu hlelo bengathengi noma bathengise noma yini, kepha bamane babhalise, abayitholi imali. Ngesikhathi esifanayo, ukubhaliswa ezinkampanini zokumaketha zenethiwekhi kumahhala ngokuphelele, noma imali yokungena incane kakhulu - kufika kuma-ruble angama-500 (amakhulu amahlanu).

Izinkinga zivame ukuqala ezimeni lapho iphiramidi lizama ukuzifihla njengokumaketha kwenethiwekhi. Ukunquma ukuthi hlobo luni lwenkampani, kubalulekile ukubheka izimpawu zamaphiramidi ezezimali, esizichaze ngenhla ku-athikili.

Izinhlobo zamaphiramidi ezezimali ku-Intanethi - izikhwama zemilingo nama-HYIP

9. Amaphiramidi ezezimali ku-inthanethi (online) - ama-HYIP kanye nezikhwama zemali 💸💻

Ukuthuthukiswa kwe-Intanethi kwenza kube lula kakhulu dala futhi ukuthuthukisa amaphiramidi ezezimali... Lokhu kukuvumela ukuthi wandise ukufakwa kwendawo kwabatshalizimali abangahle babe khona. Ngasikhathi sinye, kakhulu kwehlile izindleko zokukhangisa.

Ukuthuthukiswa kwesakhiwo sephiramidi kwenziwa lula yinkimbinkimbi yokulandelela ukuhamba kwezimali ngezinhlelo zokukhokha ngogesi.

Amasayithi awavamile ukubhaliswa nabantu bangempela, noma imininingwane ngomnikazi ifihliwe. Lapho kwenziwa amapiramidi ku-Intanethi, kunzima ukuthola umkhwabanisi lapho ewa ezoshushisa.

Iphiramidi yezezimali enkulu kunazo zonke kunethiwekhi – I-Stock Generation... Umhleli wayo nguSergei Mavrodi owaziwayo. Kwakumele ukugembula okuthile. Ngokuya ngemigomo yalo mdlalo, amasheya ezinkampani ezingekho nhlobo athengiswa.

Izimo zazifana nokuhweba ngamasheya: intengo yamasheya ihambe iye phezulu naphansi. Umbhoshongo wawukhona iminyaka emi-2 (emibili). Ngemuva kokuwa kwayo, inani elikhulu labantu lahlupheka: ngokusho kokulinganisela okuhlukahlukene, kusuka kubantu abayizinkulungwane ezingama-300 (amakhulu amathathu) kuya ezigidini ezimbalwa.

Enye imiklamo emikhulu kakhulu evela kuMavrodi – imibhoshongo MMM-2011 futhi 2012... Ngenhloso yokudalwa kwabo, kwasungulwa i- "Mavro", okuyimali ebonakalayo.

Kuhlaka lokuqala yathengwa futhi yathengiswa ngamalungu ahamba phambili ezingeni.

Kowesibili - Izindawo zokuhlala zenziwa ngqo phakathi kwabahlanganyeli kule phiramidi, ingqikithi yephrojekthi yehliselwa esikhwameni sokusiza ngokubambisana. Ngokwemvelo, ukungena kwabahlanganyeli neminikelo yemali kwaba yize. Baqala ukweba imali kumaphiramidi, amaphiramidi aqala ukuvalwa.

UMavrodi uzame ukuqala kabusha iphrojekthi kaningana. Kodwa-ke, ukwethembeka komdali kwehle kakhulu, ngakho-ke usayizi wamaphiramidi usube mncane kakhulu.

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Amaphiramidi e-inthanethi ahluke kakhulu futhi aziwa kakhulu phakathi kwawo ngamaqembu ama-2 (amabili): ama-hypes, futhi izikhwama zemilingo... Ake sizame ukuqonda izici zalezi zinhlelo.

9.1. Ama-HYIP (uhlobo lwephiramidi yezezimali)

Ama-HYIP noma ngenye indlela amaphrojekthi we-HYIP amaphrojekthi wokutshala imali athembisa ukubuya okuphezulu. Ama-HYIP akhiwe ngesisekelo sephiramidi yezezimali.

Amaphrojekthi anjalo ahlanganiswa nokutshalwa kwemali ku- ukuphepha, izimali ezihlangenekwesinye isikhathi bathi bayakwenza ukuphathwa kwe-trust... Kwezinye izimo, abahleli be-HYIP ababiki lutho nhlobo mayelana nokuthi hlobo luni lomsebenzi abawenzayo.

Abanye abasebenzisi be-Intanethi banombono wokuthi ukutshala imali kuma-HYIP kungenza imali enhle, into esemqoka ukwenza utshalomali ngendlela efanele. Ngaphezu kwalokho, kukhona okushicilelwe ku-Intanethi, lapho ababambiqhaza kumaphrojekthi anjalo bechaza ngokuningiliziwe amasu afanele okutshala imali kuma-HYIP. Bayakutshela ukuthi ungabeka kanjani imali ngendlela yokuthi uphume kuphrojekthi ngesikhathi (ngaphambi kokuwa kwe-hype) bese uthola inzuzo ebonakalayo.

Kepha ungakhohlwaukuthi amaphrojekthi anjalo e-Intanethi ahlelwe ngokomthetho wamaphiramidi ajwayelekile. Ngokungenakugwenywa badlula kuzo zonke izigaba zentuthuko ezihambisana nemipiramidi. Ngakho-ke, kungekudala, i-HYIP ishayisa ngaphandle kokwehluleka.

Kumaphiramidi kunokuhamba kwezimali kusuka komhlanganyeli oyedwa kuye komunye, ngakho-ke, mhlawumbe omunye umuntu uzokwazi ukwenza imali ngama-HYIPs. Kodwa-ke, lokhu bazokwenza ngezindleko zeminikelo evela kubaxhasi abasha. Ngaphezu kwalokho, iphesenti labanenhlanhla liphansi kakhulu. Noma kunjalo iningi leminikelo lizophelela emaphaketheni abahleli bepiramidi.

Ama-HYIP afana nezinkampani ezithile zangempela nezinsimbi zezezimali. Isibonelo, kunezimali zemali yokuzikhandla kwi-Intanethi, okungenye yezindlela eziningi zokutshala imali. Lezi zinkampani zibandakanyeka ekutshalweni kwangempela kuzinsimbi zezezimali ezinemali ephezulu. Njengama-HYIPs, ukutshalwa kwezimali okunjalo ku-Intanethi kusengozini enkulu.

Kuvela ukuthi lezi zinhlobo ezimbili zezinkampani ziyefana kakhulu futhi kubalulekile ukuthi abatshalizimali bakwazi ukuhlukanisa phakathi kwabo. Kunezimpawu eziningi ezijwayelekile kumaphrojekthi we-HYIP, kepha hhayi ezejwayelekile ezimali zebhizinisi.

Phakathi kwazo kukhona okulandelayo:

• izinto zokutshala imali zisunguliwe noma azihambisani neqiniso;
• isayithi limibalabala kakhulu;
• ingqikithi yephrojekthi ifiphalisiwe, akucaci ngokuphelele ukuthi iqukethe ini;
• ukukhangisa okuphazamisayo kakhulu, okusho ukuthi ukubuyiswa kwezimali kuqinisekisiwe, abukho ubungozi bokutshalwa kwezimali, okukhohlisa kakhulu ukuthi utshale imali;
• akunakwenzeka ukuthola idatha yomhleli - igama lenkampani, ikheli, inombolo yocingo, ophethe;
• alukho ulwazi mayelana nokutholakala kwamalayisense, izitifiketi zokubhalisa, noma le mibhalo ingamanga;
• izinga lemali engenayo ethenjisiwe liyedlula 1-2% ngosuku, kepha kukhona ama-HYIP lapho le nkomba ikhona 0,5%, lesi sici asikwazi ukusetshenziswa kubo;
• izimo ezingacacile noma ezinzima kakhulu zokwenza inzuzo.

Ukudlulisela izimali kuma-HYIPs, imvamisa basebenzisa izikhwama ze-elektroniki ezingadingi ukukhonjwa, ngokwesibonelo, Qiwi, Imali ephelele, Okhokhelayo... Ngenxa yalokho, kuba cishe akunakwenzeka ukubala idatha yangempela yozakwabo.

Noma yini esho okungenani ubunikazi bomuntu obuncane kakhulu ayemukeleki kuma-HYIP. Cishe wonke amaphrojekthi anjalo angalesi sizathu wenqaba ukusebenzisa uhlelo lokukhokha lweWebMoney.

Ngokuya ngezinga lemali engenayo, kunezigaba ezintathu zama-HYIP:

9.1.1. Imali engenayo ephansi

Isikhathi sokuphila kwezikimu zamapiramidi ezinjalo kusuka onyakeni owodwa nohhafu kuye eminyakeni emithathu... Ngasikhathi sinye, imali engenayo ethenjisiwe isezingeni elingadluli 15% ngenyanga... Ama-HYIP amaningi alolu hlobo athembisa ukukhokha u-0.5% ngosuku.

Ngokwesiko, amaphiramidi alolu hlobo ambozwe yizinkampani ezenza imisebenzi yokuphathwa kwempahla yezimpahla ezahlukahlukene. Ngasikhathi sinye, kuvame ukuba nzima kakhulu ukuhlukanisa ama-HYIP ahola kancane kuzinhlelo zezomthetho.

9.1.2. Imali engenayo ephakathi

Isikhathi sokuphila semipiramidi yezezimali eyenziwe ngohlobo lwama-HYIPs anengeniso ephakathi kusuka ezinyangeni eziyisithupha (eziyisithupha) kuya kwele-12 (ishumi nambili). Isivuno lapha siphezulu kakhulu kunesigaba sangaphambilini futhi cishe 3% nsuku zonke... Ngenyanga, lapho utshala imali kuma-HYIP anjalo, inzuzo ithenjiswa ezingeni 15-60%.

Izikimu ezinjalo zamaphiramidi zibonakala ngokukhula okusheshayo kokuthandwa. Lokhu kusho ukuthi ukuphakama kwayo kuzofinyelelwa ngokushesha okukhulu, okungukuthi, ukuwa kwephiramidi ngeke kukugcine ulindile.

9.1.3. Inenzuzo kakhulu

Izikimu ezinje zamaphiramidi zithuthuka ngokushesha. Mayelana ne- 2-5 amasonto badlula kuwo wonke umjikelezo wempilo. Ngasikhathi sinye, inzuzo ethenjisiwe iyedlula 3% ngosuku noma ngaphezu kwama-60% ngenyanga.

Ama-hyips anjalo avaliwe ngokushesha futhi okungalindelekile ngokuphelele... Ngakho-ke, inhloso yephrojekthi ukuheha inani elikhulu lababeki bezimali ngokushesha ngangokunokwenzeka, futhi lokhu kwenziwa ngokukhangisa okunolaka kakhulu nokungenayo.

Iziqubulo ziqinisekisa imali enkulu kulabo abafaka imali uma kwenzeka bebhalisa "lapha manje".

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Ekwakhiweni nasekusebenzeni ngempumelelo kwama-HYIP, akubalulekile awabo kuphela abahleli, kodwa futhi ukudluliselwa... Ngaphansi kwalo mqondo, abantu ababambe iqhaza ekukhuthazeni iphiramidi babumbene. Bakhangisa ku-Intanethi ngokwakhiwa kwephrojekthi.

Ngaphandle kwalokho, umsebenzi obaluleke kakhulu wokudluliselwa ukuphazanyiswa kwezinethiwekhi ukujoyina i-HYIP, okungukuthi, ukuheha abanikeli abaningi ngangokunokwenzeka.

Yizenzo ezinekhono zabaphathi bokudlulisa ezinquma impumelelo eqhubekayo yephrojekthi. Basebenza njengabenzeli bohlelo lwephiramidi. Ngakho-ke, ukubambisana phakathi kwabahleli bepiramidi nokudluliselwa kwenziwa ngokuqedela isivumelwano se-ejensi.

Ukusebenzisana kwenziwa ngazo zonke izinhlobo zezinhlelo ezihambisanayo, okungukuthi, ukudluliselwa kuthola imali njengephesenti leminikelo yabanikeli babo abakhangisiwe. Lokhu kuchaza kalula ukuthi kungani ukuhanjiswa kukhuthaza kakhulu ama-HYIP.

Bathumela izindaba ezimibalabala nezinemininingwane (kaningi, kunjalo, eqanjiwe), mayelana nokuthi bashaya kanjani i-jackpot ngokujoyina iphrojekthi. Lokhu kwenziwa ngokudluliselwa kumabhulogi ahlukahlukene, ukuxhumana nomphakathi, kanye nakumaforamu.

U-Aleksenko Sergey Nikolaevich

Umtshalizimali, uthuthukisa ibhizinisi lakhe online futhi ungumqeqeshi oqeqeshiwe wezezimali.

Buza umbuzo

Imvamisa, abahleli be-HYIP banikela ababambiqhaza babo ukuthi bazifunele ngokuzimela abanikeli abasha besebenzisa uhlelo lokudlulisela. Ngenxa yalokhu, ijubane lokukhuthazwa kwe-hyip kwi-Intanethi liyakhula, linikeze ukungena okuphawulekayo kwemali.

Ngokufanisa nombhoshongo, ngesikhathi sokukhula kokuthandwa kwephrojekthi ye-HYIP, ababambiqhaza bayo bakhokhelwa imivuzo ethenjisiwe. Lolu hlobo lokusebenza olusebenzayo seluqhubeke isikhathi esithile. Esikhathini esithile, ukugeleza kwemali engenayo kuqala ukwehla, ukugeleza kwemali kuba ngaphansi komthamo wezinkokhelo. Lokhu kuba yisiginali sabahleli ukuthi sekuyisikhathi sokuvala iphrojekthi. IHype ivaliwe, futhi imali eqoqwe ngalesi sikhathi ihlala nabadali bayo.

Ngale ndlela, ungenza imali ngama-HYIPs, kodwa inzuzo ihlala abadali bephrojekthi, labo oyikhuthazayo, futhi abafaka imaliabakwazile ukuqoqa imali yabo ngesikhathi.

Kodwa-ke, inani labaphumelele lincane uma liqhathaniswa nenani labahlanganyeli abathi, ngenxa yalokho, balahlekelwa yimali yabo.

9.2. Izikhwama zemilingo ziwuhlobo olukhethekile lwamaphiramidi ezezimali

Muva nje, indlela yokufuna ukwazi yokwenza imali isabalele kunethiwekhi, ebizwa "Izikhwama zemilingo".

Ingqikithi yendlela yokuhola ilula impela: kufanele uthumele imali encane (kaningi kusuka kuma-ruble ayishumi kuya kwangu-70) ngezikhwama eziyisikhombisa. Ngale njongo, kuvame ukusetshenziswa amasistimu emali kagesi. I-Yandex futhi I-WebMoney... Ngemuva kwalokho, kufanele ususe inombolo ephezulu yesikhwama, ufake eyakho esikhundleni.

Kuhlala ukubeka umlayezo wokukhangisa ezinkundleni eziningi nasemabhodini emiyalezo ngangokunokwenzeka. Imvamisa, imilayezo efanayo ingatholakala kumasayithi lapho abantu bafuna khona umsebenzi.

Abantu abaningi bakholelwa ukuthi uma konke kwenziwa ngendlela efanele, kwanele cishe i-100 (ikhulu) noma ama-200 (amakhulu amabili) imiyalezo, ukuze amanani amakhulu aqale ukuza esikhwameni. Incazelo ilula: abalandelayo abajoyine iphrojekthi bazodlulisela imali esikhwameni, ngemuva kwalokho bazoqala futhi nokukhuthaza umyalezo.

Eqinisweni, kuvela ukuthi uhlelo lokusebenza kwezikhwama zemilingo luyiphiramidi ejwayelekile yezezimali. Ngaphezu kwalokho, ayikho ngaphansi kokulawulwa.

Ukwenza imali ngale ndlela cishe akunakwenzeka. Okokuqala, asikho isiqinisekiso sokuthi labo abathatha isinqumo sokuqhubeka nochungechunge lwemiyalezo bazothumela imali kwizikhwama zangaphambilini. Okwesibili, bangawela ngaphezu kwenombolo yesikhwama, njengoba kushiwo kumiyalo, kepha ngaphezulu ngokufaka eyabo esikhundleni salokho.

Kepha noma sicabanga ukuthi umbambiqhaza ngamunye olandelayo uzokwenza konke ngokwemiyalo, iphiramidi lizokhula ngesivinini esikhulu. Ngisho nabantu bomhlaba wonke ngeke banele ukumboza amazinga we-4-5.

Ngokombono, yiqiniso, umhlanganyeli wokuqala ngemuva kwamazinga ama-2-3 angathola cishe ama-ruble ayisigidi, futhi lokhu kunikezwa ukuthi umhlanganyeli ngamunye omusha uzokwazi ukuheha abantu aba-5. Kodwa-ke, empeleni, lesi simo okungenangqondo ngokuphelele ngenxa yokuntuleka okufanayo kwabahlanganyeli.

Ngakho-ke, ukuceba usebenzisa izikhwama zemilingo ngeke kusebenze. Ngaphezu kwalokho, izinhlelo zokukhokha nge-elektroniki zenza konke okusemandleni ukulwa nezinhlelo ezinjalo. Bangavimba kahle izikhwama zemali eziboniswe kwimilayezo yokukhangisa (yogaxekile).

Izinsizakalo zokuqapha ezokuphepha nezezezimali ezinhlelweni zokukhokha ngogesi ziqapha ngokucophelela ukubonakala kwemiyalezo enjalo kunethiwekhi.

Ezinsukwini ezimbalwa, ngenxa yalesi sizathu, amaphiramidi awasekho.

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Amaphiramidi ezezimali - uhlu lwezinto ezintsha nezindala

10. Uhlu lwamaphiramidi wezezimali amadala namasha eRussia - kusuka kuMMM Mavrodi kuya kokusha kakhulu 📜

ERussia, imibhoshongo yokuqala yezimali yavela ngemuva kokuwa kweSoviet Union. Eminyakeni yokuqala yokushintshela emnothweni wemakethe, ingxenye enkulu yabantu bezwe yahlushwa yibo.

Iphiramidi elikhulu nelidume kunawo wonke libhekwa ngabaningi njengelikhona I-JSC "MMM"... Usuku lokudalwa kwenkampani lubhekwa njengo-1989. Kodwa-ke, ngaleso sikhathi, wayenza umsebenzi wezomthetho ngokuphelele.

Ngo-1994 i-JSC MMM yaqala ukusebenza ngokohlelo lwephiramidi yezezimali... Umhleli wephrojekthi - USergey Mavrodi uzibandakanya ekukhishweni okusebenzayo kwezinhlobo ezi-2 (ezimbili) zezokuphepha:

1. amasheya akhishwe cishe Izigidi ezingama-27;
2. amathikithi akhishiwe - ngaphezulu Izigidi ezingama-72.

Abezindaba abaningi bakhangise ngentshiseko inkampani (imibhoshongo) Wonke umuntu owayeneminyaka yobudala wokuqonda ngaleso sikhathi ukhumbula isikhangiso ngo-Lena Golubkov. Lokhu, kanye nezithembiso kubatshalizimali zenzuzo enanini le- kusuka kuma-500 (amakhulu amahlanu) kuya ku-1000 (izinkulungwane)%kuholele kumbhoshongo inani elikhulu lababeka imali. Ngokwezibalo ezinzima, cishe Izigidi eziyi-10-15 Izakhamizi zaseRussia.

Abatshalizimali abanikwanga imibhalo ngokuphelele, bekungekho ukuthengiswa kwamahhala kwezokuphepha zeMMM. Eqinisweni, yinkampani kuphela engabathola. Izindleko zezokuphepha zabekwa ngqo ngumhleli.

Kuvele isasasa elingakaze libonwe ezungeze iphiramidi ye-MMM, okuholele ekunyukeni okukhulu kwentengo yezokuphepha kwenkampani. Njengomphumela, ngesikhathi esifushane, amasheya anenani elilinganayo le- 1000 (inkulungwane) ama-ruble, aqala ukubiza 125 000 ama-ruble lilinye. Ngokwemvelo, inani langempela labo laliphansi kakhulu.

Kwabanikeli, imininingwane yaqala ukusabalala ukuthi umhleli weMMM Mavrodi unayo izinkinga zomthetho... Wayesolwa ngokwenza imisebenzi engekho emthethweni yebhizinisi, kanye nezinkinga neziphathimandla zentela.

Uvalo lwalukhula phakathi kwabantu. Ngenxa yalokho, izindleko zezokuphepha yaqala ukuwa kakhulu... Ngenxa yalokho, zathengwa cishe izikhathi eziyikhulu. Eqinisweni, ukuphepha kwe-JSC "MMM" sekungasizi ngalutho, kungenamsebenzi "okusongelwa uswidi".

Umphumela waba ukugadla kwehhovisi leMMM, lapho kwaboshwa khona uMavrodi. Umhleli walo mbhoshongo wagwetshwa iminyaka engu-4,5 ebhadla ejele. Umonakalo ohlaselwe yisibalo sezwe kusuka ezenzweni zikasomabhizinisi zizonke 3 (amathathu) ama-ruble ayizigidi eziyizinkulungwane.

Ngasikhathi sinye, uMavrodi ukwazile ukususa icala ngokuwa kwepiramidi kuhulumeni. Uveze ukuthi inkampani ephumelele ethembisa ukunothisa izakhamizi eziningi ibhujiswe ngenhloso.

Ngemuva kwalokho, amanye amaphiramidi ezezimali adalwa nguSergey Mavrodi:

• IStock Generation, ebisebenza kwi-Intanethi;
• MMM-2011;
• I-MMM Global Republic yeBitcoin.

Mayelana nempumelelo emangazayo yophiramidi lwezezimali lweMMM eRussia e Ama-90s (ayisishiyagalolunye) nama-2000s (izinkulungwane ezimbili) iminyaka, amanye amaphrojekthi afanayo adalwa.

Okudume kakhulu phakathi kwabo yilezi:

• Vlastina;
• URuby (SAN);
• I-Selenga Russian House;
• Hopper-imali;
• I-Tibet.

Inani lezisulu zezenzo zamaphiramidi ezezimali izakhamuzi zaseRussia zazingabalelwa ezigidini zabantu. Kuhlelo ngalunye, izakhamizi zalahlekelwa kusuka ezigidini ezimbalwa kuya ezigidini eziyizinkulungwane eziningana.

Cishe bonke abahleli bamaphiramidi ezezimali baboshwa, abanye bakwazile ukubalekela endaweni engaziwa.

Ngaphandle kwemiphumela emibi yemisebenzi yamaphiramidi ngaleso sikhathi, yaqhubeka ikhona.

Lokhu kuchazwa kalula: iningi labantu lifuna ukuceba lingenzi lutho. Njengoba cishe bonke abantu bamagovu futhi bekhohliseka kalula, bakulungele ukutshala imali kunoma yimaphi amaphrojekthi athembisa inzuzo engakaze ibonwe.

Ukuthuthuka kwe-Intanethi kudlale indima enkulu ebukhoneni bemibhoshongo yempumelelo yezimali. Ngokusebenzisa inethiwekhi, kulula kakhulu ukwenza imikhankaso yokukhangisa, kanye nokubamba iqhaza kumaphrojekthi ahlukahlukene. Kwababeka imali, iphiramidi ingaqhathaniswa nekhasino: cishe akunakwenzeka ukuqagela ukuthi izophumelela noma izolahlekelwa yimali.

Uhlu lwamaphiramidi amasha wezezimali adumile:

• MMM 2012 kanye no-2016;
• Super Piggy Bank;
• Kabusha;
• Eleurus;
• I-Credex nabanye.

Ngokuphathelene nenani elikhulu lezisulu zezenzo zamaphiramidi ezezimali eRussia, umthetho ubuyekezwe.

Kuze kube manje, ukuhlelwa nokusatshalaliswa kwezinhlelo ezinje kwethulwe isigebengu futhi umthwalo wokuphatha.

11. Yini okufanele uyenze uma imali isivele ifakiwe kumbhoshongo wezezimali 📌

Kuyenzeka ukuthi abantu baqale batshale imali bese bebona ukuthi iphrojekthi abayitshalile yiyona iphiramidi ejwayelekile yezezimali... Yini okufanele uyenze kuleli cala?

Yakovleva Galina

Uchwepheshe wezezimali.

Buza umbuzo

Ochwepheshe bancoma ukwehlisa umoya ekuqaleni, ngoba kulokhu kunzima ukuthi umuntu ahlole isimo bese ethatha isinqumo esifanele. Okulandelayo, kufanele uhlole ngokuphelele isimo samanje futhi uthathe izinyathelo ezidingekayo zokusixazulula.

Ochwepheshe baphakamisa ukuthatha lezi zinyathelo ezilandelayo:

1. Thintana nehhovisi lenkampani imali edluliselwe kuyo. Ezimweni lapho lokhu kungenakwenzeka nganoma yisiphi isizathu, kufanele uthinte umuntu otholwe kuye isimemo sokujoyina iphrojekthi. Kubalulekile ukuqonda ukuthi amathuba okubuyiselwa kwemali etshalwe imali aphezulu uma kunemibhalo eqinisekisa ukudluliswa kwemali.
2. Uma abakhohlisi benqaba ukubuyisa izimali ezitshaliwe, kufanele baziswe ngenhloso yabo yokufaka isicelo ehhovisi lomshushisi nasemaphoyiseni.
3. Uma izinsongo zingasebenzi, kufanele uxhumane nabomthetho ngokushesha. Ngasikhathi sinye, kuyadingeka ukukhumbula imininingwane ephezulu kakhulu eyaziwayo: igama nekheli lenkampani, izimpawu eziningiliziwe zabantu okwenziwe ukuxhumana nabo, bathembisa ini, bathengisani kanye neminye imininingwane ewusizo.

Okubalulekile! Bhala isitatimende ngokushesha okukhulu, ngoba kungenzeka kakhulu ukuthi ngesikhathi abomthetho beqala ukusithatha isinyathelo, abakhohlisi bazobe sebengasekho.

12. Isiphetho + ividiyo esihlokweni 🎥

Ngaphandle kwesibalo esikhulu sezisulu zokutshala imali kumaphiramidi ezezimali, abantu bayaqhubeka nokutshala imali kuzinhlelo ezinjalo. Othile akazi ukuthi kungenzeka kube nenkohliso, othile ulindele ukukhipha imali ngaphambi kokuphahlazeka. Kunoma ikuphi, kuyasiza kubo bonke abatshalizimali ukwazi ukuthi yiziphi izimpawu ezikhombisa amaphiramidi ezezimali.

Uma kuvela ukuthi izimali sezivele zifakiwe ohlelweni lokukhwabanisa, kufanele uzame ukuthola imali yakho ngaphandle kokwethuka okungadingekile.

Siphakamisa ukuthi ubuke ividiyo - "Uyini umbhoshongo wezezimali?":

Ekuphetheni, siphakamisa ukuthi sibuke idokhumentari emayelana neMMM:

Ithimba le-Ideas for Life likufisela inhlanhla nempumelelo ezindabeni zakho zezezimali. Uma uneminye imibono noma imibuzo ngesihloko, bese ubabuza kumazwana angezansi.

Bukela ividiyo: SAPS Major General Gonya on brutal gang war in Newcastle (Juni 2024).