Xa ukuphathwa kakubi kwamashishini okanye ukungakwazi ukulimaza kubangele abathintela abanini-mali, ngamanye amaxesha bayaphikisana nokutshitshiswa-kwaye ngokwenene, abatyali-mali ba-Facebook baxhomekeke kwi-minas fiasco.
Ukuba ufumanisa imeko efana nale, yile nto okufuneka uyazi malunga namacala omatyala kunye namathuba akho okuphumelela.
Yiyiphi iNkundla yoTyalo-mali?
Ummato-mali-mvume ngumthetho wezomthetho owenziwe liqela labatyala-mali malunga nenkampani abanayo izabelo. Ngokuqhelekileyo efakwe njengeNkqubo yeCandelo loLondiso, kulolu hlobo lwabo batyala-mthetho kufuneka bathengise ukuba babenobungozi bezoqoqosho njengemiphumo echanekileyo yokuphulwa komthetho kwemithetho yokubambisa. Abatyalomali baye bafaka amatyala kwezinye iimeko apho babetyala ngenxa yezoqoqosho ngenxa yokunyaniseka okanye okunye okungekho mthethweni, kodwa abatyali-mali abasoloko bephumelele.
Ngokomzekelo, ngo-2014 no-2015, isitokisi sokutya ngokukhawuleza esityebileyo se-Chipotle sithela ngokugqithiseleyo njengoko kuthengiswa kweenkampani ngexesha loluhlu lwesifo sokutya. Izabelo zawa ngamaphesenti angama-47 ngaphezu kweenyanga ezintlanu, ukulahleka okukhulu kubalimi-mali.
Abatyalomali balahlekelwa yi-Chipotle enkulu kunye neye-sued, bathi i-nkampani ayizange ibhengeze utshintsho kwizenzo zayo zoshishino kunye nembali yezifo zabathengi.
Kule meko, ijaji yathi inkundla ayizange ibonakalise naziphi na iziganeko zabaphathi bePototle bazi ukuba benza ingxelo engamanga okanye behluleka ukuchazela ulwazi lwezinto eziphathekayo, ngoko ke isigwebo saxoshwa.
Indlela yokufaka i-Lawsuit ye-Investment Lawsuit
Ukufakela isenzo seCandelo loKhuseleko kunzima kakhulu kunengxabano yenkundla encinci.
Ezi zigwebo zilawulwa ngokubanzi ngamafemu omthetho onamava, kunye nenani lamafemu eyaziwa ngokugqithiseleyo ukukhwabanisa kwamasheya kunye nezenzo zeklasi zokugcina.
Ukuba ukholwa wena, kunye nabanye abatyala-mali, unobungozi bemali ngenxa yobuqhetseba, ukungabikho kwezichazo okanye ezinye izenzo zokwenza ulawulo, unokuqhagamshelana nenkampani yamagunya okusebenza kwamagunya athile ukuze uxoxe ngamathuba enkundla. Ukuba ukholelwa ukuba inkampani yaphula imithetho yezophulo-mthetho, ungaphinda uhlole i-FINRA ukuze ufunde ngamanye amashishini eklasi ezenzayo.
Ziziphi i-Lawsuits eziphumelelayo zezoTyalo-mali eziye ziqhelekileyo
Iingxowa-mali eziphambili kunye nezona mpu melelo zazibangelwa ubuqhetseba obukhulu ngabaphathi. I-Enron, i-WorldCom, kunye ne-Tyco International-lawsuit lawsuits zonke zikhokelela kwiindawo zokuhlala ezilisithoba. Kwabaninzi abangenalo-mali-mali, le meko enkulu yobuqhetseba ibangele ukuba iinkampani zibe ngamagama emakhaya.
Ukuze umgwebi-mali uphumelele, abatyali-mali kufuneka baveze ukuba inkampani okanye iinkokeli zayo zenze iingxelo ezilahlekisiweyo okanye ukuchithwa okuhambelanayo ngokukhawuleza nokuhla kwexabiso elikhulu. Xa ezo zibini zinyuka, umgwebo unako ukuphumelela.
Ukukhwabanisa ukukhwabanisa kubangelwa ukugwetywa ngokumelene neVolkswagen kwaye ngumgqatswa wokuba yimpumelelo.
Ukukhwabanisa ukukhwabanisa kwaziwa ngokubanzi kwakhokelela ekunciphiseni kwexabiso lentengo.
Gcina nje ukhumbule ukuba ukuhlala okukhulu kunokulimaza inkampani ngokwezemali, ngoko ke ukuba usabamba amashishini angase ahlawule, nangakumbi, xa kuvela umgwebi-mali okanye uhlawulelo olukhulu.
Indawo yezomthetho ihlala iguquka
Njengamacwecwe e-tectonic ngokukhawuleza aphinde abuyele umhlaba phantsi kweenyawo zethu, amagosa karhulumente karhulumente, imibono yezogwebo, kunye nemimiselo emitsha ishintshintsha ngokukhawuleza indlela ulwaphulo-mthetho olunokusebenza ngayo. Amagosa olawulo lweTrump ajonga umda wamalungelo abo batyali-mali ukuba bamangalele, okwenza izinto zibe nzima ngakumbi kwixesha elizayo.
Kodwa okwangoku, abagwebi-mthetho bahlala kwiifom zabo zangoku, kwaye i-Facebook ihlala kwii-crosshairs. Kukho amashishini ambalwa aneprofayile ephezulu kune-Facebook, kunye neebhiliyoni zabasebenzisi emhlabeni jikelele.
Lapha eUnited States, abaninzi balabo basebenzisi banelisekile malunga nokuba ulwazi lwabo lusetyenziswa njani ngaphandle kwemvume yabo, kodwa kungekhona njengotshaba njengabanini-nxaxheba ababukeleyo izabelo zabo ziphantse malunga needola ezingama-30 ukusuka kwi-$ 185 ukuya kwi-152 kwi-11 kwiintsuku ezili-11 ngo-Matshi 2018.
Akukho mntu uyazi ukuba zonke ziya kuphuma njani ekupheleni, kodwa abatyali-mali banokuba netyala elihle ezandleni zabo. Ixesha liya kuxela ukuba umgwebi wabanikazi abanini-nxaxheba ukhokelela kumvuzo omkhulu, okanye ukuba yiyo kuphela into ehamba ngayo njengoko i-Facebook iya phambili.