Ziziphi iimpembelelo ze-Inflation kwi-Economy?

Ukuqonda indlela i-Inflation inceda ngayo kunye nezoHlumali kunye nabathengi

Yiyiphi imiphumo yokunyuka kwamaxabiso? Lo mbuzo oqhelekileyo udlalwa ngabafakeli-mali abatsha baqalisa uhambo lwabo lokufikelela ekuzimela. Ukuqinisekisa ukuba sisekhasini elifanayo, ngaphambi kokuba siphumelele kwimiphumo yexabiso lentengo, kulungile ukuqala ngokucacisa ukunyuka kwamaxabiso ngokwemigangatho. Ukusetyenziswa ngokuchanekileyo, kwaye njengoko ndiya kuwusebenzisa ngokusisisele kwintetho yethu, ixesha lokunyuka kwamaxabiso libhekiselele ekuhlahleni kwamandla okuthenga kwemali ye-fiat, ngokuqhelekileyo kubangele ukubonakala kwexabiso lokunyuka xa uzama ukuthenga izinto ezibalulekileyo ezifana nengqolowa, ubisi , inyama, izambatho, iinkonzo zonyango, ikhofi, okanye umbane.

Ngamanye amazwi, ukunyuka kwamaxabiso kubhekisela kwimeko apho ufumanisa ukuba kuthatha iiyunithi ezingaphezulu zemali-ukuba u-United States, bekuza kuba iidola zase-US - ukuthenga izinto kunye neenkonzo kunokuba zithathile izolo okanye unyaka odlulileyo ukuthenga iimpahla kunye neenkonzo.

Ngokomlando, ukuba abatyali-zimali basekhaya, izinga eliphezulu lokunyuka kwamaxabiso liye lacatshangwa nantoni ngaphezu kwe-3% ukuya kwi-4% uhla lwe-year kunye ne-3% ukuya kwi-4% yabalinganiselwa babecala. Eli nqanaba, eliza kuba yi-godsend yezona zininzi zehlabathi, libangelwa zizinto ezininzi, ezinye zazo zihambelane neenzuzo ezithile zemali nezakhiwo kwizoqoqosho zase-US ezingenakuhlala ngonaphakade. Oku kuthiwa, iminyaka elishumi edluleyo, ilizwe liye lafumana indawo yokungenakudlalwa kwemingalo ephantsi ngenxa yokungenelela kwangaphambili kwinkqubo yemali yi-Federal Reserve kunye nabamthetho njengenxalenye yemizamo yokunqanda ukuwa kwe-system yezoqoqosho yehlabathi phakathi ko-2007 kunye 2009 xa i-bubble ye-real estate igxininiswe kwaye ichithwa, idibanisa zonke iintlobo zeeklasi ze- asethi kunye nayo, kubandakanywa imarike yemasheya.

Sekunjalo, ukuba imbali kukho nawuphi na umkhombisi-ndlela, kuyakunceda ukubeka ingqalelo kwimali yokunyuka kwamaxabiso ngenxa yokuba iya kuphakamisa ikhanda kwakhona kwakhona ngexesha elizayo. Ziziphi iziphumo ezithile zokunyuka kwamaxabiso? Kutheni ufanele uxhalabe malunga ne-specter yayo yokuthungula uqoqosho?

Ixabiso lemali liqala ngexabiso lokulahlekelwa kwemali

Ukuqonda imiphumo yokunyuka kwamaxabiso, ndifuna ukuba ucinge ngamanani ambalwa:

• I-bill ye-1.00 ye-$ 1.00 ngo-1971 yayinamandla athile okuthenga njengama-$ 5.95 ngo-2016. Oko kukuthi, into esiyibiza ngokuba yi-$ 1.00 namhlanje ingazithengela iimpahla ezingama-16.8 ¢ ngo-1971.
• I-£ 1.00 ibhilidi ngo-1971 yayinamandla okuthenga okufanayo njengoko i-£ 14.00 yenza ngo-2016. Oko kukuthi, into esiyibiza nge-1.00 yezigidi namhlanje ingathenga i-£ 0.07 yeempahla ngo-1971.

Njengoko ubona, umphumo omkhulu wokunyuka kwamaxabiso kukuba uhlanga olukhethiweyo lwesizwe lulahlekelwa yixabiso - kuthatha iiRandi, okanye iiPounds zeSterling, okanye iiYurophu, okanye iiYen, okanye iiFrancis, ukuba zithenge inani elifanayo lempahla. Isiphumo esicacileyo, okanye isiphumo salo, kukuba ukunyuka kwamaxabiso kwenza kube nzima ukuba abantu bakwazi ukufumana iimfuno eziphambili, kungabhekiseli kwizinto ezinobuninzi, zobomi ukuba umsebenzi wabo awukwazi ukuhamba nomlinganiselo wokunyuka kwamaxabiso. Oku kubangela ukuba iintsapho zibaleke njengoko zizama ukuqhubeka kunye nentengo yezinto ezivela kwii-cornflakes ukuya kwiikholeji.

Njengoko ubona, amazinga aphezulu okunyuka kwamaxabiso angabangela iingxaki ezinkulu njengoko ixesha liqhubeka.

Imali yokuThengiswa kweMali kuTshintshe iMali esuka kwabasindisi kunye nabaTyalo-mali kubathengi

Ukuhambela ngaphaya kwemiphumo ebalulekileyo yokunyuka kwamaxabiso, uya kubona ukuba kukho ezinye ezimbini ezibalulekileyo zokungena kwemali.

1. Impembelelo yokunyuka kwamaxabiso kubasindisi kunye nabatyalomali kukuba balahlekelwa amandla okuthenga. Ingaba ungcwatye imali yakho kwikhofi ingaba ngasemva okanye uhleli kwibhankini ekhuselekileyo kwihlabathi, kuya kuba luxabisekileyo ngaphantsi kwexesha. Oku kunokudala inkuthazo yokuchitha imali okanye, phantsi kweemeko ezingafanelekanga, ukuphazamiseka ukutyhala imali kwizinto eziza kuba zilungileyo kwimpucuko kwixesha elide.

1. Impembelelo yokunyuka kwamaxabiso kwabachaphazelekayo inokuthi kuba abatyala banokuhlawula amatyala abo ngemali engabalulekanga. Ukuba unetyala lalingama-100,000 kwi-5% yemali, kodwa ukunyuka kwamaxabiso ku-20% ngonyaka, ukhangele ngokukhawuleza u-15% wetyala lakho lihlawulelwa kunyaka ngamnye, ukhululeke ngokupheleleyo kuwe. Ngexesha elithile, uya kuba nomsebenzi omncinci weholide nge-$ 100 ngeyure kwaye utshabalalise ityala lakho.

Beka ngokugqithisileyo, umphumo wenyuka wokunyuka kwamaxabiso kukuba uhambisa imali kubasindisi kunye nabatyalomali kubabolekisi. Ijezisa abo bahlehlise ukuzonwabisa kwabo kwaye batyale imali ekwakheni iindlela, izikolo, amafektri kunye namashishini kwaye banike umvuzo labo abo batyala. Kukho ukungalungi kokuziphatha okubi, okubangelwa nguorhulumente ukunyathelisa imali-okanye, kule mihla, ukwenza okufakwayo kwikhompyutha-ukuhlawula iindleko ezingenakho ukuhlawulwa kwi-mali yengxowa-mali jikelele.

Ulwazi olungakumbi malunga nexabiso lemveliso kunye nexabiso lemali

Ukuze ufunde okubanzi, funda iNkcazo yeMali-ntsha yeNtsholongwane kunye neNqanaba leMali-mali , okhethekileyo ephendula imibuzo efana nale:

• "Yintoni Imiphumo?"
• Yintoni ebangela ixabiso eliphezulu lexabiso lemali?
• Ziziphi Iimiphumo Zemali?
• Yintoni Ikhompyutheni Yexabiso?
• Kutheni singaboni ixabiso lentengo, kunjalo?
• Kwaye ngakumbi!