Nangona yonke Imali Urhulumente Uprinta
Impendulo emfutshane: Umrhumo wemali urhulumente oshicilelweyo awukadluli imali eyadalwa ngamabhanki ngexesha lee-rekodi eziphantsi kweerhafu.
Ngamanye amazwi, xa ufaka imali kwibhanki, avunyelwe ukugcina kuphela iqhezu yaloo ndawo. Baya kuboleka imali engaphezulu kwexabiso olifaka kuyo. Nanku ukugqithisa ngokugqithiseleyo: Ukuba iimfuneko zokugcina izinto ziphantsi (zibekwe yi-Federal Reserve), kwaye ubeka i-$ 100,000 kwibhankini yakho, ibhanki ingadinga kuphela ukugcina i-$ 10,000 esandleni. Baya kuboleka imali engamaRandi angama-90 000 kumntu, oya kuwubeka enye ibhanki. Le bhanki isenokusebenzisa imali ukuboleka i-$ 89,000. Lo mjikelo uphinda ude ufumane i $ 100,000 yakho yokuqala, ininzi "imali" kwinkqubo. Kwimeko yethu yodwa, idiphozithi yakho kunye neentengo zemboleko zoshishino ezimbini zenze i-$ 279,000!
Yintoni ebangela ukunyuka kwamaxabiso ?
Urhulumente, uqoqosho, kunye nabaxhasi bajonga umlinganiselo wemali kwinkqubo ngohlobo. Ezi zidla ngokuba yi-M1, M2, okanye iM3 imali. Bahamba, banokubona ukuba "imali" engakanani kwisizwe ivela kwiidola zamaphepha, ubuninzi obuvela kwi-credit bank, njl njl.
Imali "eninzi" yadalwa xa inani lamanani lawa kunye nabathengi beboleke iimali zokurekhoda ukuba xa iibhanki zivalile ukuboleka ukuzama ukwakha kwakhona ibhajethi yabo, ukuba imali ilandelwe uqoqosho. Ukuba i-Federal Reserve ayizange ifathe imali, besiya ku-Deflation Depression deflation - indlu yakho kunye neempahla zaza kulahleka xabiso kodwa imali yakho yokuthenga imali yayiya kuhlala ifana.
Ngamanye amagama, ukuba unalo nawaphi na amatyala, unokwenyuka kwaye uhlaselwe ngokupheleleyo.
Urhulumente wavula imishini yokushicilela ukuzama ukutshintsha imali yebhanki eyadala imali, nethemba lokuba bangayikhupha kwinkqubo kwi-5 ukuya kwe-10 kwiminyaka ezayo, ngexeshana.
Oku kwakuyimpendulo engqiqweni kunye nobulumko. Ingxaki kukuba abantu abaninzi bayazibuza ukuba okanye i-Congress ayikwazi ukulawula imali yayo. Umzuzu wokunyatheliswa kwemali uqala ukudlula imali yethu endala yemali (ukuprintwa imali + yasebhanki eyenziwe ngemali), ukunyuka kwamaxabiso kuqala. Ngokulahleka kweprojekthi eyi-9 + trillion kwiminyaka eyi-10 ezayo, oko kuya kwenzeka kwaye yingakho abantu bathi ukunyuka kwamaxabiso kunokuza.
Ukuba iCongress iyeka ukuchitha iminyaka engama-1-2 ukususela ngoku, ukunyuka kwamaxabiso angeke kwenzeke nangona imali esiyiprinteleyo ngenxa yezinto ebezichazile. Ukuba, nangona kunjalo, iCongress iyaqhubeka nokuchitha imali, ukunyuka kwamaxabiso kungonakalisa ixabiso lentela. Njengoko ndithumelele ngaphambili nakwezinye iindawo, ukuba uyazi ukuba ungayisebenzisa njani le meko, oko kukunceda kuwe, njengoko kuya kubakho kwiinkampani ezinjengeCoca-Cola, iGener Electric, okanye uJohnson & Johnson, owenza eninzi imali yabo phesheya kwelinye ilizwe kumazwe angewona idola.
Ngokucacileyo, ingxaki ayinayo imali urhulumente ayenayo kwiminyaka emibili edluleyo. Yimali ininzi abatyali-mali bacinga ukuba urhulumente uya kuprinta kule minyaka elishumi ezayo ingxaki. Imali yamaphepha ephepha yincinci encinci, i-pesenti encinci yemali "isixa" isizwe esiye sakha naliphi na ixesha. Ngenxa yesigxina sokunqunyulwa kwetyala, urhulumente akakwazanga ukushicilela imali ngokukhawuleza ukuze atshintshe iimpahla zemali ze-M2 ne-M3 (le tshathi ikubonisa ukufika ngo-2005, indlela i-M2 ne-M3 eya kuba ngayo inkulu nepesenti enkulu iphelele "imali").