Iimali zenzalo kunye nendlela ezichaphazela ngayo ngokuthe ngqo
Inzala yomdla ngowolunye lwezihloko eziqhelekileyo xa kuziwa ekutyaleni imali kunye noqoqosho, kodwa nakwinto encinci eqondwa ngabantu. Ngolu hlobo lokuqala lokunyuka kweeveki kwiminyaka elisithoba edlulileyo, isigqibo se-Federal Reserve (FED) sibheke phambili kwaye sibeka kwihlabathi jikelele.
Inzala yemali echazwe yi-FED ineempembelelo ezibalulekileyo kuzo zonke iinkalo zobomi bakho boqoqosho, ukusuka kumandla akho kwemali ukuya kwisixa ohlawula imali yakho yemali mboleko.
Ndiyichaza ezininzi iindlela ezi kuza kukuchaphazela ngqo kule vidiyo emfutshane, kodwa zibeka nje, iphakamileyo izinga, ngaphezulu uya kuhlawula nayiphi na imali mboleko okanye ityala.
Ngeli veki ye-1/4 yenyuka yepesenti kwinqanaba lomyinge, iibhanki ngoku zikwazi ukuhlawula i-1/4 yeepesenti ngaphezulu kwiqondo lokutsalwa kwemali, iimali-mboleko kunye nemigca yemboleko. Ayivakala njengento eninzi, kwaye ngokuqinisekileyo akukho nto ibonisa ukuba isixa-mali sesigxina kwiendaba zezimali, kodwa i-FED ingaphakamisa inzala engamaxesha ambalwa ngo-2006, nangaphezulu.
Emva kokuba konke oku ku-1/4 kunye ne-1/2 yokulungiswa kwezinga lokuphakanyiswa kwongeza, unokuqala ukuva nemiphumo. I-FED ibonise ukuba iyakwazi ukufumana ipesenti epheleleyo ephezulu kunyaka ozayo, ize iqhube phambili ngokuxhomekeka kwimpilo yoqoqosho.
Olunye uqikelelo lunako ukunyuka kwamaxabiso emva kweetriliyoni ekunyathelweni kwemali. Ukunyuka kwamaxabiso ngokuqhelekileyo kunokulwa nemilinganiselo yenzalo, nje kuphela ukuba izinga lala maxabiso liphezulu kunezinga lokunyuka kwamaxabiso.
Ngamanye amazwi, i-11% yokunyuka kwamaxabiso inokuthi ichithwe ngamaxabiso angama-13% ... Sizimisele ukufumana iminyaka emininzi phambi kwalo mzekelo, kodwa isetyenziswe ukucacisa ingcamango.
Ixabiso lentlawulo ephakamileyo lithetha ukuba:
- kuya kuba neendleko ezingaphezulu kweebhiliyoni zeMelika ukuhlawula umdla kwi-matyala abo ahlawulwe
- kuba yindleko kunezinye iintlanga, ezibolekwe eMelika, ukuba zibuyiselwe izinto ezihlawulwayo
- Ubhonkco kunye nexabiso le-IOU ngokuwa (ngenxa yokuba isivuno esiphezulu esivela kwizixhobo zamatyala amatsha sinciphisa ukubuyisela okuthelekiswayo kunye nezibophelelo zangaphambili)
- ngaphandle kokuba bevalelwe kuyo, uhlawula ngaphezulu kumakhadi-mboleko, iimali zokubolekwa kwemali, iimali-mboleko, imigangatho yekhredithi kunye neentlawulo zemoto
- Ibhanki inokuhlawulisa inzala emininzi (nangona idibeneyo ngoku ukuhlawula ngaphezulu ukugcina imali ebhankini)
Ungabona kwakhona i-dollar yase-US exabisekileyo, xa kuthelekiswa nezinye iirhafu, kunye neempahla ezixabiso eliseDola laseMelika (njengegolide, ioli). Ukuphakama kwamaxabiso emali yethu, ukubuyisela ezinye iintlanga ziya kufumana ngokuthenga izibophelelo ze-US kunye namatyala.
Iimeko ezifanelekileyo kakhulu, uhlawulela ityala kwaye ugcine indawo enemali yokusebenzisa amathuba ekuphumeni kwawo. Ngokomzekelo, ukuba amaxabiso aphakama ngokukhawuleza (njengepesenti ephakamileyo ngaphezu konyaka okanye njalo), abantu abaninzi abayi kuba nako ukukwazi ukuhlawula amatyala abo.
Ukuba imeko enjalo ibangela abantu abathengisa izindlu zabo, okanye bengathengi nje ngezindlu eziphambili / ezibiza, kunokubakho ukutya. Ngalo naluphi na umrhumo ongezantsi, amaxabiso aya kuhla, kwaye imoto enqabileyo okanye ikhaya elihle unayo iliso lakho ekuthengiseni okungaphantsi konyaka okanye ezimbini ukususela ngoku.