Kungakhathaliseki noma cha ukuthenga zamadola manje, noma kanjani imali yakho kusuka izinga lokwehla kwamandla emali?

Isimo sezombusazwe namuhla kwenza icabangisise esizayo. Kuyinto esabekayo hhayi kuphela yabo inhlalakahle, kodwa ukuphila. Nokho elinye izindaba ezibaluleke kakhulu kuba imali. Kungakhathaliseki noma cha ukuthenga zamadola ngezinga lamanje exchange rate simo esishubile noma uthanda lwemali kazwelonke? Le nkinga buhlukumeza hhayi kuphela bezimali kanye nengqondo kohlaziyo, kodwa abafayo abavamile. Nakuba ukonga ezincane abanikazi neze ukwazi umcebo wesikhathi esifishane kwamanani okuhwebelana noma ukwenza imali emakethe yamasheya, kodwa namanje ukuthambekela ukutshalwa kwezimali inzuzo futhi enembile izinguquko ukuhlukanisa kumanani wokuguqulwa kuzosiza imali yakho kusukela wenzuzo sikulindele ngentuthuko kungenzeka.

Kungani injabulo kangaka ukuthengwa izimali zakwamanye amazwe?

Noma ngisho kancane nesithakazelo ezindabeni futhi nizibhale izinguquko exchange rate, uphawula ukuthi eminyakeni yamuva, lezi iyehla iyenyuka zivame kakhulu. Njalo isinyathelo ingxenye imibuso yezwe okuholela avuse ushintsho Yebo. Lezi zenzakalo maphakathi ukunakwa inqwaba abezindaba Russian.

Ukuze depreciate lwemali kazwelonke waqala ngokwezinga elikhulu ngisho 2012. Usizo lwabenza imisenenzi ukuhweba zezimali kanye izibambiso emakethe yingozi enkulu futhi ukuncika kancane izindaba iyehla iyenyuka, kodwa futhi ukuthenga zamadola iba umsebenzi oyingozi empilweni yangempela. Njengoba intengo lanamuhla ukudayiswa kungaba inkulu ngokuphindwe kaningi kunemali ke kuyoba yini kusasa.

Ukuthenga izimali zakwamanye amazwe ukuba ijabulele ukuzethemba ezithile e izinzuzo ukudayiswa kwalo okwalandela. Kuvele isiqinisekiso ngokuphelele ukunikela lokhu kungenzeka omunye bengayi, okwenza kube lula ukunikeza incazelo elula nenengqondo of the ruble liqhathaniswa ne-dollar US, ikakhulu incike amanani kawoyela. Qaphela ukuthi emgqonyeni of "igolide abamnyama" akunakwenzeka ukufinyelela nasengqondweni okunethezekayo umnotho Russian phesheya e $ 100, kanti yokwehla kwezinga hydrocarbon amanani ngeke zihlale phakade.
Russia njengombuso wezwe has iziyisikhombisa ngempumelelo atholakale bonke emazweni oil-producing, esebenzisa ezingasetshenziswa kancane lokulawula isimo emakethe yezimali.

ezicashile ukusebenza

Uma izandla zakho abe isamba esikhulu semali, kuba njalo engenzeka ukuhumushela wabayisa izimali zakwamanye amazwe. Kodwa kufanele kuphawulwe ukuthi ukuze nezindleko zezimali kudingeke silinde umehluko sína exchange rate. Uma kukhona ukungabaza ukuthi kahle ukuthenga zamadola manje, kungcono ukulinda, njengoba kunjalo nanamuhla lwemali US uye ukhathele ukuthi kwakusazoba nokwanda okuphawulekayo.

Ukuze ukutshalwa ungathola njalo izindlela ephumelela kakhudlwana. Ngokwesibonelo, cishe 11 iminyaka kwakukhona kuyanda kancane intengo legolide, okuyinto ke indawo ukwehla kancane kancane amanani. Kodwa ku-observation eduze ku izinsimbi singakwazi njalo ukwenza imali inkulu kakhulu kunangendlela lwemali futhi amasheya. Uma, abahlala e-Russia, nokwamukela inkokhelo ngomsebenzi e okulingana ruble, ezibuza ukuthi ukuthenga zamadola namuhla, kufanele ngokushesha baqonde ukuthi lokhu akukona inzuzo ekhungathekisayo ukuletha. Kodwa uma kuqhathaniswa okusezingeni eliphezulu lokuhwebelana US dollar inikeza ngamathuba ebhizinisi unlimited ukuthekelisa kwezimpahla Russian. Ngaphezu kwalokho, kungcono ithuba nokuhumushela olimini nemali elinganiselwa ilwazi namakghono ehlanganiswe i-Inthanethi, futhi uthole inkokhelo izimali zakwamanye amazwe. Ngakho-ke, umbuzo noma cha ukuthenga zamadola manje kufanele sicabange ngokujulile.

Crisis lwezezimali: enkingeni noma inhlanhla?

Eqinisweni, isinqumo ngalokho ukwenzani imali yabo siqu - kungcono ukuphila kwangasese, umgomo wakhe wezimali futhi umphumela yezakhi yayo, okuyinto akufanele kuholele ekulahlekelweni izimali. Lezi Simoni kucaca emva nesenzakalo kokuntengantenga kwezimali emhlabeni wonke kunemtselela emnothweni Russian. Inkinga akuyona inhlekelele nasemnothweni. Kunalokho, kuba yokulungiswa zokudala futhi ihlanzeke futhi kuzo zonke engadingekile. Ngamanye amazwi, i-pulse a ukuthuthukiswa esiphumelela ngokwengeziwe umnotho. Kodwa umphumela omuhle obumbi ephawuleka kuphela uhulumeni, hhayi townsfolk elula, abangakwazi unqume ukuthi ukuthenga manje noma zamadola igcwele imiphumela engemihle. Yini okumelwe uyenze?

Ngakho kunengqondo ukuthenga zamadola, banikezwe isimo esishubile kuleli zwe kanye nomhlaba?

Nakanjani kudingeka ihlele ukonga, kanye kuyimali enkulu, okuyinto amanga ngaphansi kumatilasi, intengo nje encishisiwe. Uma engenayo eyinhloko kanye nezindleko lwemali kazwelonke, khona-ke akudingekile ukuba bahumushe. Kodwa uma imali abayithole, okuyinto njengoba of namuhla akuyona zibaluleke kakhulu, bakwazi zihunyushelwe okulingana dollar wembatha ukonga ezifanele akhawunti. Kodwa akukho namuhla umuntu ngeke akwazi ukubikezela ngokunembile inkambo imicimbi emakethe exchange angaphandle. Ngakho, inyanga edlule kuye kwaba ukuthambekela okusobala towards cheapening of the ruble liqhathaniswa ne-dollar ne-euro. Kodwa manje awela kusesemini. I-ruble waqala level off. Kungakhathaliseki ukuthenga zamadola manje? Kungenzeka, ikakhulukazi uma ukhululekile izingozi hhayi bona bakhele phezu kwelwazi okusheshayo nokunonophala izinhlelo.

Kungenzeka kanjani lokho?

Sibukeze ingxoxo yethu. Uma ecabanga yini noma cha ukuthenga zamadola manje, bese ubala inani imali yakho yonke, ngicabange ngezenzo esingakanani ungaya ngaphandle kwabo. Uma igama elithi kuyaphawuleka, njengoba isabelomali core wenziwa lwemali kazwelonke, kungenzeka ukuba uthumele imali ikusebenzise izikhathi ezingcono. Kufanele kuqashelwe ukuthi imalimboleko kanye nezinye loans nibaluleke ukuthatha lwemali lapho ukonga aphethwe. Kungaba ukuhlakanipha ukuba "sigcine zonke amaqanda akho kubhasikidi owodwa", njengendlela wahlukanise izingxenye ngohlobo ezahlukene ukumehlisa ngesikhathi esifanayo ukuthola inkokhelo kwenye.