Into oyithengayo imihla ngemihla iqhuba uqoqosho lwe-US
Phantse kubini kwisithathu seendleko zabathengi kusezinkonzweni, njengendawo yokuhlala kunye nokunakekelwa kwezempilo . Ezinye iinkonzo ziquka iinkonzo zezezimali (njengebhanki, utyalo-mali kunye ne-inshurensi).
Iinkonzo ze-Intanethi kunye ne-intanethi zibala, kunye neenkonzo ezivela ngaphandle kweenzuzo.
Inxalenye yesithathu yenkcitho yethu yokusetyenziswa komntu iyimpahla . Ezi ziquka izinto ezibizwa ngokuba yizinto ezizinzileyo , ezifana nokushiya imishini, iimoto kunye nefenitshala. Ngokuphindaphindiweyo, sithenga iimpahla ezingapheliyo, i-petroliyali, ukutya kunye nezambatho.
Iinqununu ezinhlanu zokuThengwa koThengi
Kukho iinqununu ezinhlanu zokusetyenziswa kweethengi. Ezi zinto zichaphazela ukuba uchitha ixesha elingakanani. Utshintsho kwiyiphi na yalezi zixhobo ziya kuthintela imali yokuthengisa.
Ingqungquthela ebaluleke kakhulu ingeniso efumanekayo. Leyo yerhafu yexabiso engenayo irhafu. Ngaphandle kwayo, akukho mntu uza kuba nemali yokuthenga izinto abayidingayo. Oku kwenza ingeniso ehlawulwayo enye yezona zinto zibaluleke kakhulu kwiimfuno . Njengoko ingeniso yenyuka iyafuneka. Ukuba abavelisi behamba ukuhlangabezana nemfuno, badala imisebenzi. Umvuzo wabaSebenzi uphakama, ukudala imali ethe xaxa.
Umjikelezo onobuhle okhokelela ekunyuseni koqoqosho oluqhubekayo. Ukuba ukunyuka kweemfuno kodwa abavelisi abanako ukwandisa ukubonelela, ngoko baya kuphakamisa amaxabiso. Oko kubangela ukunyuka kwamaxabiso .
Icandelo lesibini ngumvuzo ngenkunzi nganye . Ikwaxelela ukuba umntu ngamnye kufuneka achithe. Imilinganiselo yeNgeniso ingakhula nje ngenxa yokuba abantu bayanda.
Ingeniso ngomntu ngamnye ibonisa ukuba umgangatho womntu ngamnye wokuphila uphinde uphucule.
Ukungalingani kwemali kuyimilinganiselo yesithathu yokuchitha. Ingeniso yabantu abathile inokunyuka ngokukhawuleza kunokuba abanye. Uqoqosho luzuza xa uninzi lwentlalo luya kwiintsapho ezifumana imali engaphantsi. Kufuneka bachithe isabelo esibalulekileyo sodola ngalinye kwiimfuneko baze bafikelele umvuzo ophilayo . Uqoqosho aluzuzi kakhulu xa ukunyuka kuya kubazuzi abaphezulu. Basenokwenzeka ukuba basindise okanye batyale izongezo kwingeniso endaweni yokuchitha imali.
Into yesine yinkalo yematyala emakhaya. Oku kuquka ityala lekhadi lesikweletu , iimali-mboleko zemali, kunye nemali mboleko yesikolo. Inani lamatyala lamanje langoku libonisa ukuba amatyala omzi sele afinyelele amanqanaba amarekhodi amatsha. Okumangalisa kukuba, iindleko zempilo ephakamileyo yimbambano enkulu yecala elixakekayo.
Isiqingatha sesihlanu sikulindelwe ngabathengi. Ukuba abantu banokuqiniseka, banako ukuchitha ngoku ngoku. Isikhokelo soKhuseleko lwaBathengi sichaza indlela abantu abanokuqiniseka ngayo ngekamva. Kubandakanya ukulindela kwawo kwexabiso lentengo. Ukuba abathengi balindele ukunyuka kwamaxabiso kube phezulu, baya kuthenga ngakumbi ngoku ukukhusela ukunyuswa kwexabiso elizayo. Yingakho i-Federal Reserve ijolise i-2% yexabiso lokunyuka kwamaxabiso .
Kutheni Kubalulekile
Inkcitho yabathengi iyona nto ibaluleke kakhulu yokuqhubela phambili koqoqosho lwe-US. Inkcazo yezoqoqosho zeCnesie ithi urhulumente kufuneka akhuthaze ukuchitha imali ukuphelisa umnotho. Amacandelo oqoqosho -mali axhasayo. Bakholelwa ukuba urhulumente kufuneka anqumle irhafu yoshishino ukuze enze imisebenzi. Kodwa iinkampani aziyi kukhulisa imveliso ukuba imfuno ayikho.
Ukuba ungathandabuzeki oku, cinga malunga nokuba kwenzekani xa wonke umntu eyeka ukusebenzisa. Amashishini ekugqibeleni aya kugqithisa kwaye aphelise abasebenzi. Urhulumente ke akanakho ukuba ahlawule irhafu.
Uqoqosho luya kufuneka lithembele kumazwe angaphandle, ukucinga ukuba amanye amazwe agcina imali yabo yokuthengisa. Ukuboleka kuyo kugcina urhulumente kunye namafama avulekileyo. Ezi zixhobo ezongezelelweyo zomkhiqizo wangaphakathi welizwe azibalulekanga njengokuba kuthengwa kwabathengi.
Nokuba ukwehla okuncinci kwintengo yabathengi kungonakalisa uqoqosho. Njengoko iyanqamuka, ukukhula koqoqosho kuhamba. Amanani aya kulahla, okudala ukuhlengahlengiswa . Ukuba ukusetyenziswa komxhasi okucothayo kuyaqhubeka, uqoqosho luya kungena kwimali .
Kodwa into eninzi kakhulu into enokuyingozi. Xa ukufunwa kwabathengi kudlula ukukwazi ukuvelisa iimpahla kunye neenkonzo, amanani akhula. Ukuba oku kuqhubeka, kudala ukunyuka kwamaxabiso . Ukuba abathengi balindele ukunyuka kwamaxabiso, baya kuchitha ngaphezulu ngoku. Oko kwandisa ukwanda kwemfuno, ukuphoqeleka ishishini ukunyuka kwamaxabiso abo. Iba isiprofeto esizimeleyo esinzima kakhulu ukuyeka. Yingakho igunya eliphambili lebhanki eliphambili lesizwe, i- Federal Reserve , kukukhusela ukunyuka kwamaxabiso.
UkuThengwa koMThengi kuLinganiswa njani
Inkcitho yabathengi ibalwa ngeendlela ezahlukeneyo. Ingxelo epheleleyo yinkcazo yenyanga yokuThengwa kweNdleko .
Uphando lwaBathengi Inkcitho lukhishwa ngo-Agasti ngamnye ngonyaka yi-Bureau of Labor Statistics. Kufana ne-PCE kodwa inenkcazelo encinane malunga neentlobo zamakhaya. Kungenxa yokuba i-BLS ihlalutya idatha evela kwi-US Census. I-BLS ikhupha ingxelo yayo ngoSeptemba ngamnye ngonyaka. Nantsi ingxelo ekhoyo kakhulu.
Ukuthengiswa kweeNtengiso ngenye inxalenye yenkcitho yabathengi. Unokujonga ukuba usempilweni kangakanani neenkcukacha zokuthengisa ezithengiswa ngokutsha .
Ezinye iingxelo zeendleko zabathengi: Uhlolo lweeMali zoThengi lweBallup | Index Index Price) Iindleko zokuSebenziselwa kweNdleko Inkcazo ye-Inflation Index Index Index Trust