Hlalani nenyameko kule Mizila okanye uhlawule ixabiso
Iintsana ze-Baby Boomers Azinakudli umhlala-phantsi - Uphando olusandul 'u Prudential olutshanje lubonise ngaphezu kwesiqingatha salabo abaneminyaka engama-45-75 abaneminyaka engama-45 ubudala abaphoqelelwe ukuba balinde umhlalaphantsi ngenxa yokunciphisa imali
Nabo abo banako ukufumana umhlala-phantsi baya kuqhubeka besebenza kwamanye amanqanaba. I-Recent Recession yashiya izikrakra zengqondo. Okudala ukuzimisela okutsha phakathi kwabaninzi abantwana be-Baby Boomers ukugcina iindleko eziphantsi kunye neengeniso eziphezulu. Oko kuthetha ukuba imbono endala yokudlala igalofu kunye nokuthatha umhlala-phantsi ngokwenene inika iindlela ezininzi zokuhlala umhlalaphantsi.
Inkqubo yokuthatha umhlalaphantsi ithetha ukuba isizukulwana esidala asiyi kuphuma kwindlela esizukulwana esincinane. Oko kwenza iMillennials ishintshe ngokuyeka "ikhondo lomsebenzi" elidala. Bafuna ukufumana ubomi obunenjongo kubo. Abanye basebenzisa ubuchwepheshe bokutsha ukwenza imisebenzi emitsha engekhoyo namhlanje. Abaninzi baye bafumana amanqanaba aphezulu.
Abanye basebenzisa imisebenzi yesikhashana ukuxhasa imali yokuphila, njengendlela yokuhamba. Bahambelana nomsebenzi wezoshishino. Iinkampani azikho amathuba okuqesha abasebenzi abanexesha elizeleyo ngezizathu ezintathu: 1) Ukugcina umgangatho ophantsi, 2) Ukuze uhlale uguquguqukayo kwindawo engalindelekanga kunye no-3) Ukugcina ukuhlawula inzuzo ephezulu yezempilo.
Ukuze kuphuculwe, abasebenzi kufuneka benze imifudlana emininzi yemali engenayo, kwaye bahlale beguquguquka ngokwabo. Izindlela ezilungileyo zokukwenza oku? Fumana i-gig yokuzimela. Zama ukufumana indlela yokwenza imali kwi-hobby. Yiba neengqiqo malunga nomtsalane wakho kumakethi emisebenzi, nokuba kungenxa yobudala bakho okanye umlando wakho womsebenzi. Fumana izakhono ezintsha zengqesho yesikhewu esingaba yinto engaphezulu.
Yiba nomoya ovulekileyo malunga nento ongayenza ukuze ufumane imali engaphezulu. Hlalani nigxininise ekuguquleni izakhono zenu, iimpahla kunye nexesha zibe yimali eninzi. Qaphela izinto eziphathekayo kwezoqoqosho, kwaye uzisebenzise.
I-America Iyancipha kwiMandla oQoqosho loQoqosho- Ngaphambi kokunciphisa umnotho, iUnited States yiyo kuphela eyona mandla. Ngo-2009, i- G-20 ithathe isigaba seziko loqoqosho loqoqosho. Le ntlangano inika ngakumbi iChina, iRashiya, iNdiya neBrazil. La mazwe ekuqaleni aphila kwimpucuko engcono kuneYurophu okanye iUnited States. Kungenxa yokuba belawula iibhanki zabo ukuphepha iziphumo. Uqoqosho lwabo oluqinileyo lunikeze umgangatho wokufuna amandla angaphezulu kwezoqoqosho jikelele. Nangona baye badala iingxaki ezintsha zezoqoqosho ngokwabo, baye bagcina amaninzi abo.
Ukutshintshwa kwamandla omhlaba wezoqoqosho kuye kwaba negalelo kwiMelika. Kukho emva kokuhlaselwa kweentengiso zamahhala, ukukhishwa kwemisebenzi kunye nokuphathwa kwemali . Kodwa nangona iTrump iphumelela ekugqithiseni imigaqo-nkqubo yokukhusela, ezi ntengiso zelizwe ziya kuqhubeka zikhula ngamandla. Abantu babo bafuna umgangatho ofanayo wokuphila iMelika. Iinkokeli zabo ziyazi ukuba kufuneka zibonelele ukuba zihlale ngamandla.
Iimali zenzalo ziya kuphakama - I-Federal Reserve ifuna ukuphakamisa izinga lokunyusa imali kwiinjongo zayo ezi-2.
Leyo yindawo ekhangayo yeFusion. Kuthetha ukuba ukunyuka kwamaxabiso kukujoliswe kwipesenti zayo ezi-2, kwaye ukungaqeshwa kwabasebenzi kwinqanaba le-4 lemali. Ngethuba nje uqoqosho lubukeka lubuyiselwa ekuhlaleni, i-Fed iya kuhlala iphakamisa amaxabiso.
Oko kuthetha ukuba iindleko zemboleko zento yonke ukusuka kwipenitshala ukuya kwimoto ukuya kwii-mortgages ziya kuphakama. Kwakhona kuthetha ukuba abasindisi baya kufumana ngaphezulu kwiimali zabo.
Amakethimethi aMali aLawula amaxabiso - Ukubonelela kunye nokufunwa kubaluleke kakhulu ekulawuleni amanani. Kunoko, abathengisi bempahla babeke amaxabiso eoli, igesi kunye nokutya. Abathengisi bezoshishino zangaphandle bathatha inani le dollar.
Isantya sokuthengiselana kwandise ukunyanzeliswa koqoqosho. Ixabiso leGesi neoli liphakama kwaye lawa, kuxhomekeke kwiimvakalelo zabatyalomali. Eziguqulelwe kwiindleko zokutya eziphezulu okanye kwixabiso lokunciphisa impahla.
Ixabiso leGolide lithatha ixesha elide lonke ngo-2011. Ngomnyaka olandelayo inzala ibanjwe i-low-year-year . I dollar inyuke kuma-25 ekhulwini ngo-2014 no-2015 . Ngelo xesha, amaxabiso eoli awela kumgangatho oneminyaka eli-11.
Uqoqosho lukwinqanaba loKwandiswa kweShishini loShishino - Izigaba zomjikelo wezoshishino zinjengamaxesha enyaka. Inkxalabo yemali ka-2008 yayinzima kakhulu kangangokuba uqoqosho lwathatha iminyaka eyisixhenxe ukuba buyele kubuqili. Ukulibaziseka ngetyala le- US ngonyaka we-2011, i- cliff yezemali ngo-2012, kunye nokuvalwa kukaRhulumente ngo-2013.
Okwangoku sisesigaba sokwandisa. Uqoqosho lungahlala kule nqanaba iminyaka emininzi. Kodwa ngezinye iinkcukacha kuya kufikelela kwisigaba sephambili. Oku kuphawulwe ngubungqina obungenangqiqo obangela ubumbano be- asethi . Nguye umlandeleli ukuya kwizigaba zokuqhawula, kunye nezinye iingxaki zezoqoqosho. Imbali yeebhoom kunye neebhasi ziqikelela ukuba ziya kwenzeka phakathi kuka-2018 ukuya ku-2020. Qiniseka ukuba ubuyekezelele amanyathelo amahlanu awakhusela kwiinkathazo zezoqoqosho .