Indlela imali yesithunzi ingashintsha ngayo ukuqhubeka

Uma uqashiwe namuhla, cishe bekufanele ugcwalise i-resume, uthumele incwadi ekhavayo bese ufaka iphothifoliyo noma mhlawumbe inhlanganisela yakho konke okuthathu.

Abaqashi bafuna ukukala izinga labasebenzi babo futhi babone ukuthi ukuqasha umuntu ekugcineni kuzoba yisinqumo esibalulekile ngokwezimali. Lokhu akukusha neze: abantu, lapho benza ukuthengiselana phakathi komunye nomunye, bahlala befuna ukuzuza esinqumweni. Kungakhathaliseki ukuthi njengesisebenzi, esibheke ukuvuzwa kahle ngomsebenzi omuhle, noma njengomqashi, ofuna ukuthola umsebenzi omuhle ngezindleko ezifanele.

Ngezinga elikhulu lezinkampani, lokhu mhlawumbe akubonakali kangako kuwo wonke amaholo, izinzuzo namabhonasi, kodwa uma sibheka izinkundla zebhizinisi ezintsha ezakha ku-inthanethi namuhla, ezixhumanisa abantu ngezinga elincane kumawebhusayithi afana neKijiji, Craigslist, Taskrabbit, Zopa, noma i-Skillshare, ochwepheshe abafana no-Rachel Botsman bayaqaphela ukubuyela "ezimisweni zemakethe ezindala kanye nokuziphatha kokubambisana" okugxilwe ekuhwebeni kwabantu kusukela ekuzalweni kokubhala.

Imithelela yalezi zinguquko miningi, futhi mhlawumbe ime njengenqaba kulabo abathi inkathi yolwazi isinqamule ezinkambisweni nasezinkambisweni zesintu zakudala. Kodwa enye yezindawo ezithakazelisa kakhulu zalezi zinkundla zebhizinisi ezintsha uRachel Botsman athinta kuzo enkulumweni yakamuva ye-TED, izinhlelo zokulinganisa nokubuyekeza ezikhona.

Cabangela ukubukeza umkhiqizo ku-Amazon: ekubuyekezeni, umuntu uncoma kwabanye abasebenzisi ukuthi umkhiqizo ukuthengwa okunenzuzo noma cha. Imikhiqizo eminingi e-Amazon ayikwazi ukubuyiselwa uma isesimweni esibi, ngakho abasebenzisi kufanele bathembele ekubuyekezweni kwamakhasimende. Kungakhathalekile ikhwalithi yesibuyekezo, kusenesici sokwethenjwa esihilelekile: uma othile ekhetha ukuthenga into ngaphezu kwenye ngokusekelwe kuzibuyekezo ezinhle, ucabanga ukuthi ababuyekezi bebekhuluma iqiniso mayelana nekhwalithi yento.

Lesi sici sokwethembana sibaluleke nakakhulu ezinkundleni ezintsha zebhizinisi ukuthi, esikhundleni sokuxhuma abantu ngemikhiqizo, zixhumanisa abantu nabantu - cishe njalo, abantu abangabazi nabantu abangabazi. Umuntu umeme umuntu othile endlini yakhe ukuze ahambise inja yakhe noma ayowashela izingubo uthemba lowo muntu - okungenzeka ukuthi akamazi nhlobo kuleli qophelo - ngokusekelwe ekudlulisweni nasekunconyweni.

Nakuba lokhu kungenziwa ngokuqala kabusha, ama-CV, izincwadi ezikhava nokunye okunjalo. I-inthanethi isinikeze ithuba lokuqoqa lolu lwazi ku-inthanethi, senze iphothifoliyo enamandla kakhulu ukuze sibonise izimfanelo nekhono labantu abafuna umsebenzi - "indlela yesithunzi" njengoba u-Botsman ebiza kanjalo.

Lawa maphrofayili aku-inthanethi, noma ngabe ochwepheshe bokunakekela utshani be-Superrabbit ku-Taskrabbit noma womklami wewebhu ku-Skillshare, alungile “emnothweni wolwazi” wesimanjemanje. Umnotho wolwazi, njengoba uchazwe uPowell noSnullman ephepheni labo elithi, “The Knowledge Economy,” “ukukhiqiza nezinkonzo ezisekelwe emisebenzini egxilisa ulwazi enomthelela ekuthuthukeni okusheshayo kwezobuchwepheshe nesayensi kanye nasekuphelelweni umsebenzi ngokushesha ngokulinganayo.”

Njengoba u-David Skyrme echaza, lo mnotho omusha ubonakala ngobuningi bezinsiza - ulwazi nolwazi - okwabelwana ngazo kubantu ngokushesha. Ulwazi alunqunyelwe yizithiyo zezwe, kodwa kunalokho lusakazwa kunethiwekhi yomhlaba wonke.

Noma kunjalo, njengoba ulwazi lwakamuva noma olubalulekile lunenani elikhulu ngokwemvelo kunolwazi oludala, olungabalulekile kangako, amakhono abasebenzi ayingxenye ebalulekile ekugcineni ukukhiqiza nokusebenza kahle. Isisebenzi esingaletha imibono emisha noma ulwazi ngezicelo ezingokoqobo sibaluleke kakhulu enkampanini kunomsebenzi onganikezi lutho olusha.

Lokhu ekuqaleni akubonakali kugqagqana kakhulu nombono wendlela yesithunzi, kodwa umuntu kufanele ahlole ukuthi amawebhusayithi afana ne-Taskrabbit noma i-Skillshare asebenza kanjani. Empeleni, bavumela abantu ukuthi bakhiphe amakhandidethi afanelekile emisebenzi emincane ngokusekelwe ekubuyekezweni nasekulandeleni idumela.

Kodwa ukuqhubekisela phambili lezi zibuyekezo nokwakha iphothifoliyo kuzo - njengoba u-Botsman ebonisa - kungavumela othile ukuthi akhe uhlobo olusha lwe-resume, abonise isithunzi somuntu esiphelele kanye nezinye zezimfanelo zakhe ezinhle ezisekelwe ezincomo eziningi.

Lena yindlela umqondo wokuqalisa kabusha emnothweni wolwazi ongadalwa ngayo kusetshenziswa uhlobo lwemali lwesithunzi. Ngenxa yobuningi bezibonelo eziku-inthanethi esinazo, singabona ukuthi izindlela ezintsha zokulinganisa nokuhlaziya amakhono omuntu zingazuzisa kanjani umnotho wolwazi lwesimanje. Ehlola izinzuzo ezinikezwa yisistimu yemali yesithunzi kanye nemithelela enayo emnothweni wolwazi, umuntu angazama ukuchaza ukuthi iphothifoliyo yesikhathi esizayo ingase ibukeke kanjani ngokusekelwe kulolu lwazi, okuvumela amazinga amasha okusebenza kahle - kanye nokwethemba - ukuthi kufinyelelwe kuwo phakathi. abantu abasezingeni lochwepheshe.

Yiziphi izinzuzo zemali yesithunzi?

Kunezinzuzo ezine eziyinhloko emalini yesithunzi namuhla: ivumela ukukala kalula kwekhono lomuntu; yenza abantu balandise ngokuziphatha kwabo; kusiza abantu ukuthi bagxile ezindaweni lapho bephumelela khona; futhi ikhuthaza ukwethembana phakathi kwabantu abangabazi.

Amasayithi afana ne-Taskrabbit e-US noma i-Ayoudo e-Canada, esekelwe kuhlobo lwemali yesithunzi, anezinhlelo zokulinganisa ezikhona zokukala umsebenzi womuntu emisebenzini ehlukahlukene ayiqedayo. Ku-Ayoudo, abahlinzeki besevisi bathola I-Trust Score, ekhuphuka ngokusekelwe kuzincomo abazithola kwabanye ngokusekelwe emsebenzini wabo.

Uhlelo "lwezinga" lwe-Taskrabbit, olukhuphukela ku-25, lukhuphuka ngenani lemisebenzi emihle eyenziwe yi-Taskrabbit. Zombili lezi zinhlelo zivumela iphosta ukuthi ibone kalula ukuthi umuntu uthembeke kangakanani kanye nekhwalithi yomsebenzi wakhe, inzuzo enkulu ngisho nesistimu yokulinganisa elula ngaphandle kwe-5, njengoba iphinde ibonise izinga elithile lokuhlangenwe nakho nokuzibophezela kwesikhathi uhlelo.

Lezi zinhlelo zokulinganisa ziphinde zisho ukuthi, nakuba abantu abaxhumayo ngokuvamile bengabantu abangabazi, banesibopho sokuziphatha nezenzo zabo. Amasistimu okulinganisa nezibuyekezo zisho ukuthi i-Taskrabbit embi izothola igama elibi kuphela - "indlela yesithunzi" esibi - ngenxa yomsebenzi owenziwe kabi noma owenziwe ngaphandle kokunakekelwa noma inhlonipho. “Umenzi womsebenzi” ongaphansi kokusebenza uzothola imisebenzi embalwa kunabanye, abe nesilinganiso esiphansi ngokuphelele, futhi angase abe nenkinga yokuthola imisebenzi emisha. Ngakho-ke, umsebenzi omuhle uzuzisa kakhulu izinhlangothi zombili, ukhuthaza umsebenzi wekhwalithi kungakhathaliseki izinga lesipiliyoni.

Nakuba lezi zingosi ezakhelwe phezu kwezimali ezihlonishwayo zivame ukwakhelwa izinkontileka eziyisisekelo - nakuba i-Taskrabbit YeBhizinisi manje isiyinkundla yokuqasha izisebenzi zesikhashana - ezinye ezifana ne-Skillshare zingasiza abantu bathole amathuba emisebenzi emisha ezindaweni lapho benza kahle khona, noma ngokusebenzisa amakhono abangase bawasebenzise. baye badebeselela noma bafunda amakhono amasha abanikeza izinzuzo ezibalulekile emisebenzini yabo.

Ngalezi zinsizakalo, abanye bayakwazi ukuthola isikhathi eside ngokuxhumana nabantu abafuna abasebenzi abanamakhono nolwazi olufiselekayo.

Izibonelo eziphuma ku-Skillshare zifaka iphrojekthi yokugcina ka-Eric Corpus evela ekilasini lokubhala amahlaya evezwe kuMcSweeney's Internet Tendency kanye nomkhankaso oyimpumelelo we-Kickstarter ka-Brian Park ngemva kokubhalisa ku-Michael Karnjanaprakorn ethi “Yethula Umbono Wakho Wokuqalisa Ngaphansi Ko-$1,000” Ikilasi le-inthanethi lamakhono e-inthanethi.

Lokhu kukhombisa futhi izinzuzo zesistimu yemali yesithunzi emnothweni wolwazi, njengoba izisebenzi eziqinile ezinobuchwepheshe obubalulekile ziyaqeqeshwa futhi zitholwe ngokusebenzisa lezi zinhlelo zemali edume ngazo ngaphambi kokuletha imiqondo emisha nemininingwane kubasebenzi.

Zonke lezi zinzuzo, zihlangene ngalawa mawebhusayithi, zisiza kakhulu ekukhuthazeni umoya wokwethembana phakathi kwabantu osushabalala kancane esikhathini solwazi ngenxa yokungaziwa kwe-inthanethi. Ngokuxhumanisa abantu bangempela ndawonye futhi, lawa masayithi asiza ukubandakanya imiphakathi futhi akhuthaze abantu ukuthi basekele futhi bahlangane nabanye abantu.

Indaba eyodwa uBotsman awabelana ngayo enkulumweni yakhe ye-TED kwakungeyendoda yaseLondon eyasebenzisa i-Airbnb, isizindalwazi sokuxhumanisa abantu nabanikazi bezindlu emhlabeni wonke abazimisele ukuqasha ikamelo eliyisipele futhi banikeze izivakashi ezihambelayo ukudla kwasekuseni. Ngemva kokusingatha izivakashi isikhathi esithile, umninikhaya, ngesikhathi sezibhelu zaseLondon, wathintwa izivakashi ezimbalwa zangaphambili ukuze kuqinisekiswe ukuphepha kwakhe phakathi nezibhelu. Umoya wokuhlalisana okhuthazwa yilezi zinhlelo umane nje uyinzuzo eyodwa kubo - ukukhuthaza abantu abaningi nakakhulu ukuthi bahlole izinkundla ezisekelwe emalini esekelwe ku-inthanethi futhi basebenzise amakhono nezinkonzo zabo.

Iyini imiphumela yalolu hlelo emnothweni wolwazi?

Imithelela yesistimu esekelwe kuhlobo lwemali yesithunzi yomnotho wolwazi iwubufakazi bezindlela eziningi zezinzuzo zemali yesithunzi. Umnotho wolwazi wuhlelo olusebenzela ukusebenza kahle kanye nekhono eliphezulu, kanye nelikhona endaweni yobuchwepheshe ethuthukayo nethuthukayo. Imali yesithunzi ikwazisa ukusebenza kahle nokukhiqiza futhi isiza ukukhulisa ukugeleza kwemibono, into evame ukubonakala emnothweni wolwazi, lapho “ulwazi nolwazi ‘luvuza’ lapho isidingo siphezulu khona nezithiyo ziphansi kakhulu.”

Ngokusebenzisa uhlelo lwemali oludumile, inqubo yokuqasha isevisi kanye nabasebenzi besikhashana iba lula kakhulu ezinkampanini. Uhlelo lwe-Taskrabbit “lwenethiwekhi yesevisi” esigabeni sabo sebhizinisi lunqamula umuntu omdala we-ejensi yokuqashwa, i-ejensi yesikhashana noma ibhodi lemisebenzi ye-inthanethi ngokuxhumanisa abaqashi ngokushesha nabasebenzi. Amasistimu amaningi ezinhlamvu zemali adume athembele kusizindalwazi esiku-inthanethi esixhumanisa izinhlangothi zombili ekwenziweni avumela lolu hlobo lokusebenza kahle.

Akukhona nje kuphela ukuthi ukuqasha kwenziwa kwaba lula ngohlelo lwemali yesithunzi, futhi kusebenza kakhulu. Izinkampani zingahlola ikhono lesisebenzi sangomuso ngokusekelwe kulwazi lwakhe lwenkonzo nosizo lwabanye, lokho okushiwo ukubuyekezwa ngaye, kanye nolwazi lwakhe ngomkhakha wakhe.

Ukungafihli nokuhlala unomphela kwe-inthanethi kuvumela inkampani ukuthi ibone lapho umdidiyeli wohlelo wasiza ukufundisa abanye abahleli bezinhlelo nge-Stack Overflow, noma ukuthi i-Taskrabbit egunda utshani yenze kahle kangakanani emisebenzini yakhe embalwa yokugcina. Lolu wusizo olukhulu ekukhetheni amakhandidethi alungile njengoba ulwazi olumayelana nawo lufinyeleleka kalula futhi kalula, futhi ikhandidethi lingahlukaniswa kalula njengowusizo, ohlakaniphile, noma njengomholi ngokusekelwe ekusebenzelaneni kwabo nabanye ku-inthanethi.

Lokhu kukodwa kuthuthukisa kakhulu ukugeleza kwemibono phakathi kwabantu nezinkampani njengoba kuxhumanisa izinkampani ezinamakhandidethi anamandla ngokushesha. Uma kubhekwa ukuthi izinkampani zibazisa kangakanani abasebenzi abanamakhono ngemibono emisha, enenzuzo enkulu emnothweni wolwazi, uhlobo lwemali lwesithunzi luyisibusiso esicacile sokuthola abantu abanjalo nokusebenzisa ulwazi lwabo.

Ngaphezu kwalokho, inethiwekhi yokuxhumana eyakhiwe ngemali yesithunzi - njengoba kwakunjalo ngosokhaya we-Airbnb phakathi nezibhelu zase-London - ivumela amafemu ukuthi athole ukufinyelela okukhulu nakakhulu emibonweni emisha kuyo yonke imikhakha yolwazi ehlukahlukene lapho eqasha khona abasebenzi abaxhumene. Ngokusheshisa okumangazayo kwenani lamalungelo obunikazi ngonyaka e-US, kukhona indawo yokuqagela ukuthi ukusheshisa okunjalo ngokwengxenye kungase kuncike ekuxoxweni kalula kwemibono phakathi kwabantu nge-inthanethi nezinkundla zochwepheshe ku-inthanethi.

Amafemu angathola amakhandidethi aqinile ngenxa yalokhu kugeleza kwemibono okunamandla, njengoba abasebenzi abaningi ngokwengeziwe, lapho bexhunywe ku-inthanethi, bekwazi ukwabelana futhi bathole ulwazi olusha ukuze kuzuze umnotho wolwazi okhulayo.

Ingabukeka kanjani iphothifoliyo yemali yangemuva kwesithunzi?

Uma kubhekwa lokhu kuqonda kokubili okuhle kwezimali zesithunzi kanye nemithelela yazo emnothweni wolwazi, umuntu kufanele ahlole ukuthi iphothifoliyo yangempela ingase ibonakale kanjani kwakuyimali yesithunzi ukuze ibe yingxenye enkulu yomnotho wesimanje. Kakade, u-Botsman usehlongoze iphothifoliyo esekelwe olwazini olusetshenziswe kumawebhusayithi awahlolayo enkulumweni yakhe, kodwa singase futhi siphakamise amathuba anikezwe ukugxila kwezinhlelo zemali yesithunzi kanye nomnotho wolwazi.

Ukusetshenziswa kwesistimu yamaphuzu kuvamile kumasayithi kokubili ukulinganisa ulwazi kanye nesilinganiso sekhono lesisebenzi. Uhlelo oluhle lokwenza kanjalo lungaba namazinga athile okuphumelela noma izimpawu zamaphuzu ahlukene, ukuhlukanisa amazinga ahlukene okuphumelela umuntu afinyelele kuwo.

Ngamandla amakhulu olwazi oluxhumene ku-inthanethi, ukubuyekezwa nezincomo zingafinyeleleka kalula kumabhizinisi afunda amakhandidethi. Lokhu kungase kuhlanganyele nesilinganiso esishelelayo noma ukwakheka “kwegama” lamathegi akhomba kalula ikhandidethi, njengoba nje u-Botsman ebonise isethulo sakhe lapho amagama anjengokuthi “cophelela” kanye “nosizo” ayewuhlobo olukhudlwana ukuze abonise ukuvela kwawo ngokuphindaphindiwe ukubuyekezwa.

Lolu hlobo lwephothifoliyo lungadinga uxhumano kwamanye amawebhusayithi amaningi aku-inthanethi. Lokhu kuxhumana kungaholela futhi emandleni okuxhumanisa amaphothifoliyo nezinye izinsiza eziku-inthanethi emkhakheni wokuxhumana nabantu njengesibonelo. Ngokuba nokuxhumana phakathi kwezinhlobonhlobo zamasayithi namasevisi, kungaba lula kakhulu ukukala umuntu ozongenela ukhetho ngokugcwele uma kubhekwa zonke izenzo zakhe eziku-inthanethi.

Kukhona ubungozi ekuxhumaneni okunjalo nokho njengoba kungase kwephule ubumfihlo bomsebenzi noma ukwehlukana komuntu siqu komsebenzi - umuntu uziphatha ngendlela ehlukile ku-Facebook wakhe siqu kunalapho esiza umfundi odidekile esithangamini sabasebenzi bakagesi. Kodwa njengoba kubonakale kunezinkampani eziningi ezicela abasebenzi ukuthi babone amaphrofayili abo e-Facebook, kungenzeka ukuthi esikhathini esizayo abasebenzi bazomane bamukele ukuthi umsebenzi wabo uhlanganiswe ezimpilweni zabo. Kuzofanele kubonakale ukuthi amafemu nabantu bakhetha kanjani ukusebenzisa isithunzi sabo ngazo zonke izindlela abaphila ngazo nokuthi izenzo zethu zingathuthukisa kanjani ukwethenjwa nomphakathi eminyakeni ezayo.