Njengoko i-Velocity yeMali yePlummets, Ithetha ukuba ukuBuyelwa kwakhona kuNdlela
Isixa somsebenzi sichazela izinto ezininzi malunga nezempilo kunye nezikhokelo zexesha elizayo lwesizwe. Uqoqosho olusempilweni lusempembelelo ephezulu, ngelixa umgangatho owenzayo wokusebenza ubonisa ngokubanzi ukuba uhlanga lupholile, okanye luze lufikelele ekutyeni.
Umzekelo, enye idola ingasetyenziselwa, (kwaye iphinde iphinde isetyenziswe kwakhona, kwaye kwakhona, kwaye kwakhona ...), ezininzi ngezihlandlo kunyaka owodwa, emele ukunyuka okuphezulu. Ngenye indlela, idoli nganye ihlala nje kwi-akhawunti yebhanki yomntu okanye i-wallet ngeenyanga ngexesha (oko kuya kuba yinto ephantsi kakhulu).
Ukuba umthengi uhlawula kwindawo yokutyela, ngoko umnikazi wesiseko usebenzisa i-dollar ukuba athenge amamenyu avela kumshicileli, kwaye umshicileli uthenga iimpahla, ezimela ukuhamba kwezinto ezintathu (ivenkile yokungena kumnini, umnini-umshicileli, umshicileli ivenkile yokuthenga). Naliphina ixesha elithile lingasetyenziselwa ukujonga ukunyamezela ngaphezu kweyiphi na ixesha (iiveki, ezintandathu ezintandathu, iminyaka emininzi), kodwa ixesha eliqhelekileyo lililo lonyaka opheleleyo.
Ngaloo ndlela, ukuba uva ukukhawuleza ku-11, unokucinga ukuba ngokwemitha nganye idola isetyenziswe ngamaxesha angama-11 njengoko idlula kwi-economic, ngaphaya kwekhosi. Unokwazi ukukhangela ngokulula idatha yangoku kunye neyekusasa kwi-portal online yeSt. Louis Federal Reserve.
Kuloo portal, unokubona ukunyuka kwe-M1 Money Stock, kwakunye ne-M2 Money Stock. Ixesha langaphambili yile metri engcono yokusebenzisa ukulandelela i-velocity, njengoko ibonisa ukunikezelwa kwemali ngokwenene; imali; zemali; iitsheki; imfuno ephothiweyo. Ukubonelela nge-M1 kunokukhawuleza ukuguqulwa ibe yinto onokubamba ngesandla sakho ukuba kuyimfuneko.
Ngakolunye uhlangothi, i-metric i-M2 iquka izinto ezifana nokugcinwa kwemali, ukutyalo-mali oluncinci, kunye nemali yemarike yemali. Ukuchitha nayiphi na i-M2 Money Stock, kufuneka uqale ukuguqula enye yayo kwifomu ye-M1 yemali.
Ukunyuka kwee-velocity kubonisa imiba embalwa. Ibonisa ukuba abantu babambelele kwimali yabo ngaphambi kokuba bayichithe, okanye bakhetha ukugcina okanye ukuhlawula amatyala, kunokuba bathathe imali.
Kwezinye iimeko, kunokuthi ingqalelo yokuba ukunyuka kweemali kubonisa ukuba abathengi banenkxalabo malunga noqoqosho, okanye abanalo ithemba elincinane, okanye mhlawumbi bajamelana namaxesha amanzima kunzima. Oku, kubakho, kubangela ukuba baqonde ngakumbi okanye baqaphele ngokuthenga kwabo okuqhelekileyo.
Le meko ibonisa ukuba oorhulumente nabomasipala baya kubona ingeniso encinane engeniso yerhafu, efumaneka ngokuthengwa kwabathengi. Njengoko i-velocity falls, ikwaxwayisa ngokucotha kwezoqoqosho, okanye ukupholisa.
Ngokubanzi, amanqanaba omsebenzi aphakamileyo aphezulu (ukusuka kwimbono nayiphi na imetrikhi esetyenziswa ukuhlola uqoqosho). Imali yokuxhamla ingaphezulu kwexesha, kwaye ngaphezulu kwinqanaba lomsebenzi, (i-theoretically) lomelele ngakumbi kwisizwe esisisiseko phantsi kwezemali.
Nangona kunjalo, kubaluleke ngaphezu kwenani elichanekileyo, isantya kunye nesikhokelo saluphi na utshintsho. Cinga ukuba ukukhawuleza kwemali kuye kwafikelela kwi-10.68 kwikota yesine ka-2007, kungekudala ngaphambi kokuba i-mortgage crisis hit us.
Ukususela ngoko, ixabiso liye lahla e-free-fall, ekugqibeleni libetha 5.65. Oku kuye kwagqithisa okwenziwe ukuhla kwehla, ukuhla kwehla, ngokuphumela ekugqibeleni ukuba isantya sinqunywe kwisiqingatha, ngaphandle kwexesha elifutshane lokufumana.
Njengoko kuchaziwe ngentla, i-5.65 ixabisa imicimbi, kodwa ingabi nakwijubane lokuhla. Ewe, umsebenzi wezoqoqosho jikelele (njengoko ulinganiselwe ngokukhawuleza kwemali) malunga nesiqingatha oko kwakuqhelekileyo-nangona kunjalo, ukubona ixabiso lesilayidi ngokunyanisekileyo kwaye liphantsi kakhulu liya kuba nemiphumo ebalulekileyo.
Ngokomzekelo, xa utshintsho luhamba ngokukhawuleza, luye lwabandakanya kumazinga aphezulu kakhulu ekunyuka kwamaxabiso.
Amashishini enza ngcono, ukunyuka kweevenkile, kunye nezona nkalo zoqoqosho zikunceda yonke inkqubo ikhule.
Ngakolunye uhlangothi, xa olo tshintsho likhawuleza kakhulu kwiimeko eziphantsi (njengoko kuye kwimeko esicatshulwe ngasentla), ifikeleleka, okanye iyancipha zonke izinto ezinokungabikho kwezoqoqosho. Oko kuya kuba yinto esondeleyo ekufuneka sibe nayo i-metric engqinisisekayo ukuze sibonise impilo engundoqo yelizwe.
Ukuhla kwehla ngokukhawuleza kunokuthetha imali ephantsi kaRhulumente, efika ngokukhawuleza kangangokuthi oomasipala kunye namasebe e-Federal awayilungiswanga, okanye akanalo ixesha elaneleyo lokuzilungelelanisa okanye ukulungelelanisa into entsha. Imeko efanayo iya kubonisa ukuba njengokuba abathengi basebenzisa ubuncinane okanye baninzi ngokuqaphela, amashishini amaninzi aya kuba namaxesha anzima; ukunciphisa ukuthengisa; ukudibanisa ukuthenga kuxhomekeke kwizinto eziphantsi kwexabiso; Iimpahla zokubhalisa ezithengiswayo; ukuthengisa kunye nezaphulelo ziyimfuneko.
Isiphumo sokugqibela ngokuqhelekileyo ukuba amashishini amancinci (kunye namashishini amakhulu, njengento yenyani) abone ukuhla kweengcambu zabo. Ukuba besetyenziselwa ukuthengisa izinto ezili-10 ngeedola ezingama-50 ukuvelisa i-$ 4 ngenzuzo nganye, ngoku bathengisa izinto ezi-6 kuphela ngeedola ezingama-35, kwaye bafuna imali kuphela ye-$ 1 nganye.
Amashishini angaqhele ukuvumelanisa nokukhawuleza kwemali enikwe ixesha elaneleyo. Nangona kunjalo, banomxholo ogqithiseleyo wokutshintsha kakuhle xa ukuwa kwelokukhawuleza.
Isilayidi sangempela kwietriki esiye sabona ukususela ekugqibeleni ngasekupheleni konyaka ka-2007 akuzange kubekho nakakhulu. Ukuhla kwexesha elikhawulezayo kunokuvavanya impilo kunye nokuzimisela malunga neyonke ishishini elincinane laseMerika.
Ngokuqinisekileyo, kumashishini asabelayo baya kwenza oko bahlala bekwenza. Ngaphandle kokufumana iindlela ezahlukeneyo zokugcina imali, baya kubeka abasebenzi. Ngamanye amazwi, baya kuchitha ngaphantsi, kwaye baya kuhlawula ngaphantsi.
Oku kubangela abantu abangasebenziyo, obani ke kufuneka balondoloze imali, okanye bafumane imali encinane yokuchitha. Oko ke, kwandisa umjikelezo onobungozi-ukwehla kwexabiso lemali kubonakalisa ukuncipha okukhulu.
Ukuqhekeka yonke indlela ukuya ekupheleni kweli bali, kufikelela ekutyekeni kwelizwe lonke. Enyanisweni, akukho nto ejongene ngqo naluphi na uhlawulelo lwemali kunokuba uhlawule ngokukhawuleza kwimisebenzi yezoqoqosho, njengoko kuboniswa ngenani lexabiso.
Kukho nenye inxalenye yempikiswano yenkukhu-yeqanda. Mhlawumbi i-velocity iyancipha ekuphenduleni ukungena kwixesha elithengiswayo. Ingaba yimbangela okanye uphawu.
Ewe, inyaniso ebuhlungu kukuba ubuthathaka kwezoqoqosho kunye nokuyeka ukuhamba ngokukhawuleza kuhamba ngesandla. Zisondelelene kakhulu kangangokuba ngokuqhelekileyo akunakwenzeka ukuhlukanisa ukuba yimaphi amandla okanye umgangatho obangela omnye.
Ekupheleni kosuku, ngaba oko kuyenzeka? Ngelixa kunokuba lunomdla ukwazi kakuhle ukuba kuphi na indlela osibambe ngayo ebandayo okanye umkhuhlane, ayitshintshi isigulo nganoma yiphi indlela.
Mhlawumbi ulwazi lunokukunceda ukuba ugweme ukugula ngexesha elizayo, kodwa mhlawumbi akunjalo. Ngandlela-thile, uyazi ukuba uya kubamba ubanda ngexesha elide.
Oku akufani nakwezitshixo ekuhambeni kwemali. Kuya kubakho ukwanda kunye nokunciphisa ixesha elide, oku sele uyayazi. Umba obaluleke kakhulu kuwukuba kukuqonda ngokukhawuleza kwemali, jonga iqondo langoku, kwaye ulungiselele ukulungelelanisa naluphi na utshintsho olumangalisayo. Uhlobo olufana nesilayidi esibalulekileyo esibukeleyo kungekudala!