Ingqondo yobuhlwempu: abangqibi bathandazela ukuba ubuhlwempu babo buqinisekiswe

I-psychology yentlupheko kunye nokucinga komntu ohluphekileyo, ubunzima bokungabikho kwemali kunye nentlupheko – kutheni abantu abahluphekayo batsala ubuhlwempu, kwaye abantu abazizityebi batsala imali. Makhe sizame ukuwuphendula lo mbuzo. Kwaye okona kubaluleke kakhulu, ukuba wenze ntoni ngayo ukuba inqila yomngqibi iyakukhathaza? Inqaku lenziwe ngokusekelwe kuluhlu lwezithuba ezivela kwitshaneli yeTelegram ye-OpexBot , yongezwa ngumbono wombhali kunye nombono we-AI.

Ngaba wakha wazibuza ukuba kutheni izityebi zityeba ngakumbi, ngoxa amahlwempu engenakukwazi ukubaleka amahlwempu?

Esinye sezizathu sachazwa nguRichard Thaler kwaye wayibiza ngokuba “yimpembelelo yobutyebi bokuqala.” Ukuba ubuwathanda amabali amade esikolweni, funda incwadi ethi “Fundamental Ideas of the Financial World.” Indaleko”: Peter Bernstein. Kwabo bathanda ukubaliswa kwakhona okufutshane, ndiza kuchaza eyona nto. URichard Thaler wenze uvavanyo lokuvavanya ukunqongophala kokucinga okungaguqukiyo kwezemali. ✔ Umeme iqela labafundi ukuba licinge ukuba ngamnye wabo uphumelele i-30 USD. Emva koko kukho iindlela ezimbini zokukhetha: ukuphosa ingqekembe kwaye, kuxhomekeke ekubeni ivela kwiintloko okanye umsila, fumana ngaphezulu okanye unike i-9.00. Okanye ungayipheyi ingqekembe kwaphela. I-70% yezifundo yagqiba ekubeni iphose ingqekembe. ✔ Ngosuku olulandelayo uThaler wacebisa le meko kubafundi. I-capital yabo yokuqala ingu-zero, kwaye ukhethe enye yezi ndlela zilandelayo: ukuphosa ingqekembe kwaye ufumane i-$ 39 ukuba ifike phezu kweentloko, okanye i-$ 21 ukuba ifike emisileni. Okanye ungayiyeki kwaye uqinisekisiwe ukufumana i-30 yeedola. Kuphela i-43% yabafundi ivumile ukuphosa emngciphekweni, abanye bakhetha ukuphumelela okuqinisekisiweyo. Ingongoma kukubaisiphelo isiphumo ESINYE. Nokuba uqala nge $30 okanye ukusuka ku-zero, ukuphumelela okunokwenzeka ngexesha ngalinye kuthelekiswa nesixa esiqinisekisiweyo. Abafundi, nangona kunjalo, babonisa izinto abazikhethayo ezahlukeneyo, ngaloo ndlela bebonisa ukunqongophala kokungaguquguquki. UThaler ubize oku kungangqinelani “yimpembelelo yobutyebi bokuqala.” Ukuba unemali epokothweni yakho, udla ngokuthatha umngcipheko. Ukuba ayinalutho, ngoko unokukhetha ukuthatha i-30 USD ngesiqinisekiso, kunokuba udlale emngciphekweni wokufumana i-21 USD. Kwaye oku akusiyo i-abstract. Kwihlabathi lokwenyani, esi siphumo asibalulekanga kangako. Kwaye kungekhona kuphela kwicandelo lezemali. Kwabahluphekileyo, intlupheko ezinzileyo yexesha elide isondele “kumngcipheko” wokuba sisityebi, kodwa kunye nokwenzeka kokulahlekelwa ipeni. Kukho umnqweno onamandla wokulondoloza kunokwandisa, nangona kukho ingozi ethile. Oku kuchasene nengqiqo, kodwa uloyiko alulali. Kodwa asiyiyo yonke into engenathemba kangako. Ukuqonda ingxaki sisiqingatha sesisombululo sayo. Ukuba ubonakala uphilile, ke oku akuyongxaki, kodwa luphawu lokucinga. Kuvela kwezi zikhokelo ezenziweyo ekufuneka siziqhaqhe. Imikhwa yamahlwempu:

Ngendlela, uvavanyo: iziseko zokuqonda intlupheko kunye nobutyebi zachazwa yi-metronome

Ubuhlwempu buyosulela, ngokunjalo nobutyebi.Uvavanyo lwenziwa. I-Metronomes ifakwe kwiqonga elihambayo, eliqale lihamba ngokungalindelekanga. Ngokuthe ngcembe baye bangqamanisa ekuhambeni kwabo. Oku kusebenza nalo naliphi na inani leemetronomes. Nokuba leliphi na icala elajikwa sisininzi, iqonga nabo bonke abanye baya kuya apho. Kuyafana nakubantu. Okusingqongileyo kumenza umntu. Kuya kufuneka ungene kwinkampani elungileyo ukuze ungqamanise nabantu abaphumeleleyo abamangalisayo kwaye uphuhlise rhoqo! https://youtu.be/tJaTxfRPvGI Bakhuphele kude abantu abaphelelwe lithemba, banetyhefu, abangenamigaqo nabangamavila abanokujiwulela iqonga kwicala elingalunganga.

Ucinga ntoni umntu owazi yonke into nge-AI malunga nokucinga komntu ohluphekayo kunye nomntu osisityebi?

Apha ngezantsi kuqulunqwe iimbono zobukrelekrele bokwenziwa kule mibuzo ilandelayo: ukucinga ngomngqibi, ukucinga ngomntu osisityebi, ukuntsonkotha komntu olihlwempu, ukucinga ngobugqwirha. Umbhalo uguqulwe ngokwemigangatho yemithombo ye-opexflow ngaphandle kokuphazamisa uluvo lwe-AI. Kuluntu lwanamhlanje, ingcamango yentlupheko ihambelana ngokukodwa nokungabikho kwamathuba ezinto eziphathekayo. Nangona kunjalo, kukho elinye icala elingabalulekanga kangako kule ngxaki-ingqondo ehamba nabantu abahlwempuzekileyo. Ubuhlwempu bunempembelelo enamandla kwimeko yengqondo yomntu ngamnye, ukuziphatha kwakhe kunye nokucinga. Ukuziva ungenamandla, ukuzithemba okuphantsi kunye nokungabi nathemba yinxalenye ebalulekileyo yobomi babo bajongene nobunzima bezemali.Enye yezinto eziphambili zesayikholoji yentlupheko luxinzelelo oluqhubekayo. Iingxaki zemali zinokubangela uxinezeleko oluqhubekayo kunye nokuxhalaba, nto leyo echaphazela kakubi impilo yomntu ngokwasemzimbeni nangokweemvakalelo. Ukuphazamiseka kwengqondo okunjalo kunokukhokelela ekuphuhlisweni kweengxaki ezahlukeneyo zengqondo ezifana nokudandatheka, ukuxhalaba kunye nokuphazamiseka kokulala. Ukongezelela, ubuhlwempu bunokubangela imiphumo emibi kwiinkqubo zengqondo kunye nokwenza izigqibo ezinengqiqo. Ukuhlala ujongela phantsi imeko yakho yemali kunokukhokelela kumbono olinganiselweyo wekamva kunye nezicwangciso zexesha elide, kunye nokuncipha kwenkuthazo kunye namathemba. Kwakhona kuyafaneleka ukuba uqaphele ukuba i-psychology yentlupheko inokukhokelela ekubunjweni kwemifanekiso yentlalo embi. Ukuvala Impatho embi nokuba ndlongondlongo ngamanye amaxesha iba ziziphumo zokuhlala kwindawo ehlala ingasebenzi kakuhle. Abantu abathwaxwa bubuhlwempu basenokuba nengqumbo nokungekho sikweni, nto leyo enokuphumela kuqhanqalazo nongquzulwano ekuhlaleni. Nangona kunjalo, akufanele sikhohlwe ukuba i-psychology yentlupheko ayikho into engenakuphepheka, kwaye abantu abaninzi bafumana amandla okuphuma kule meko. Kubalulekile ukubonelela ngenkxaso, ngemali nangengqondo, ukunceda abo bafumana ubunzima. Ukuqwalasela i-psychology yentlupheko ibalulekile ekudaleni iinkqubo kunye neenkxaso eziya kunceda abantu bajongane kuphela ngemali, kodwa nangokweemvakalelo. Akuyimfuneko kuphela ukubonelela ngezinto eziphathekayo, kodwa kunye nokunceda ukubuyisela ukuzithemba kunye nokholo kumandla omntu. Ngoko, I-psychology yentlupheko ngumba onzima kunye nobuninzi obufuna ukuqwalaselwa kunye nohlalutyo. Kubonisa ukuba ngaphaya kwemiba yezemali, intlupheko inempembelelo enkulu kwisimo sengqondo somntu nokuziphatha kwakhe. Ukuqaphela oku kunye nokuthatha amanyathelo okubonelela ngenkxaso kuya kuba linyathelo elikhokelela kuluntu olunobulungisa noluntu. Uphawu olunomdla malunga nomahluko phakathi kokucinga kunye nezenzo zabantu abahluphekayo kunye nezityebi:

Kwaye esinye isifundo malunga nentlupheko, ubutyebi kunye nomahluko phakathi kwabo: imali iphelisa intlungu kungekhona ngokufuziselayo, kodwa ngokwenene

Intlupheko yintlungu – yokwenene, iyatshisa kwaye ayinyamezeleki. Olu lwazi lubonelelwa luphando apho abantu abazizigidi ezisisi-1.3 abavela kumazwe ali-146 bathathe inxaxheba. Abathathi-nxaxheba babuzwa malunga nomvuzo wabo wenyanga kwaye emva koko ukuba bafumene iintlungu zoMZIMBA izolo. Abantu abanemivuzo ephantsi baye baba neentlungu rhoqo. Iingcali zentlalo ziye zagqiba ekubeni intlungu yomzimba ibangela ukungazinzi kwengqondo phakathi komgangatho wokuphila womphenduli kunye nomfanekiso omhle welizwe langaphandle. Ukuxinezeleka, ukucaphuka, ukudandatheka, ukuhlaselwa kwe-panic, ngenxa yoko. Isizathu sesibini kukuba akunyamezeleki ngokweemvakalelo ukuba umntu, ukuba akaqinisekanga kwixesha elizayo, ukwanelisa iimfuno ezisisiseko, umgomo wokuqala. Ngaphantsi koxinzelelo olugqithisileyo, ingqondo ayinakukwazi ukuma kwaye ezinye iintlungu zengqondo “distilled” kwiintlungu zomzimba.

Yintoni enokuyenza ngale nyaniso?

Uluvo lwam lucacile: ukuphelisa intlungu, kufuneka uphathe imbangela yayo. Fikelela kwinqanaba lobomi apho imeko yakho yeemvakalelo izinzile. Okanye ziqhelanise nenyaniso yezityalo kwaye ulahle iinjongo eziphezulu. Kodwa oku kumalunga nokuthomalalisa iimpawu. Kwaye lo ngumlinganiselo ongasebenziyo kunye nowexeshana. Woyisiwe nokuba.