Imali yeyona nto isetyenziswa ngabantu. Kwaye xa sicinga ngayo, phantse yonke into ebomini bethu ilawulwa ngokusekwe koku, ukusuka ekutyeni ukuya kwimpilo kufuna imali. Kodwa ngaphambi kokuba ndichaze ukuba yintoni Fiat imali, Owona mxholo uphambili weli nqaku, kuya kufuneka uphendule imibuzo emibini: Yintoni imali? Kwaye ngaphezu kwako konke, sazi njani ixabiso lemali?
Yintoni imali
Ukuchaza imali ngendlela elula singasebenzisa le nkcazo ilandelayo: imali nayiphi na impahla, okanye kwakhona into elungileyo, esemthethweni njengendlela yokubhatala ukuze ukwazi ukwenza utshintshiselwano lwempahla. Ngamanye amagama, yiyo yonke into esiyisebenzisayo ukuthenga into; ngohlobo lokuba kungekuphela ziinkozo zemali kunye namanqaku ebhanki asemthethweni njengemali, kodwa nawo Ukudluliselwa ngekhompyutha okanye amakhadi etyala. Kodwa yintoni eyenza ukuba imali isebenze, kutheni kungekho mntu okanye iziko liprinta amatikiti okanye asebenzise amakhadi?
Ngoko ke inkqubo yezoqoqosho inokuhlala izinzile, kubalulekile ukuba kukho iziko elikhuphayo elixhasa ixabiso lemali ekhankanyiweyo. Okwangoku amaziko anoxanduva lokuba nale ndima ngoorhulumente, kwaye indlela abalawula ngayo ukuba semthethweni kwemali kungomthetho osetyenziswayo ngoku. Ke sele sifumene umntu wokuqala obandakanyekayo ekudalweni nasekuxabisweni kwemali, kodwa nangona urhulumente eyilawula kwaye eyixhasa imali esele ikho, ngaba uyayikhupha?
Impendulo yombuzo odlulileyo nguhayi, kuba iibhanki zizinto ezijongene nemicimbi eyahlukeneyo yemali, masibone ukuba ziyintoni na. Into yokuqala egcinwe ziibhanki eziphambili kunye neeminti ngummiselo kunye nolawulo lomgaqo-lawulo wemali osasebenza kwaye ovumela imali ukuba igcinwe phantsi kweliso nolawulo rhoqo. Okwesibini, la maziko anolawulo lokudala ukubonakaliswa okubonakalayo kwemali, njengamaphepha ebhanki okanye amakhadi etyala.
Sazi njani ixabiso lemali?
Ngoku ekubeni siyazi ukuba yintoni imali, masihlalutye kancinci ngembali yayo ukuze sazi ukuba yintoni le ichaza imali. Ixabiso lengqekembe okanye ibhili, ukuze kamva ube nokuchaza Fiat imali. Ekuqaleni kwembali yoluntu, xa kwakungekho mali, sasitshintshisa, oko kukuthi, satshintshiselana ngemveliso esasinayo, sayifuna okanye sayifuna. Kodwa le nkqubo ibingasebenzi kakuhle njengoko bekungekho ndawo ekubhekiswa kuyo enokuthi ixabise zonke izinto ngendlela efanelekileyo, kodwa endaweni yoko, ixabiso lezinto linikwe ngumthamo wothethathethwano lomntu.
Emva kwexesha ixabiso lezinto lalisemgangathweni ngokusetyenziswa kwesinyithi esixabisekileyo; Isizathu soku kukuba ezi zinyithi zazingumlinganiso xa zixatyiswa ngabantu. Ukongeza, banikezela ngoncedo lokusikelwa umda, ngendlela yokuba kube lula ukulawula amandla okuthenga kwabantu, kuba ayinguye wonke umntu onokwenza ingqekembe yegolide okanye yesilivere. Kwaye nangona ixabiso lezi zinto lingehli, kuyathakazelisa ukuba siqaphele ukuba umntu othile ungene endaweni yalo, imali eyaziwayo yamaphepha.
Kukweli nqanaba apho umbuzo wethu uphendulwa khona, kwaye kukuba ixabiso lemali yamaphepha lichazwa ngoovimba bentsimbi abaxabisekileyo bakarhulumente abakhupha imali engamaphepha. Ukuza kuthi ga ngoku le nkqubo isasebenza, njengoko amaziko aphambili eqhubeka nokugcina oovimba babo bexabiso lesinyithi.
Ngoku sele sikuqondile okungasentla, ukuba imali lolona tshintshiselwano, Kwaye ukuba ixabiso layo linikezelwa ngenkxaso enikezelwa liziko eliphambili, sinokuqhubeka nokuchaza Fiat imali.
Yintoni imali ye-fiat?
Olu hlobo lwemali lukwaziwa njenge Fiat imali, kwaye yimali (olutshintshiselwano oluphakathi) efumana ixabiso, hayi kwinkxaso yoovimba beziko lezemali, kodwa kunoko isekwe kukholo okanye kwintembeko yoluntu. Nangona inokubonakala ingaqhelekanga, inyani kukuba yinkqubo yemali ebalasele kwihlabathi liphela. Kodwa imvelaphi yayo ayikho ngoku.
Imali ye-Fiat yaqala ukusetyenziswa e-China, kwaye yayingo-1971 xa ixesha apho izinyithi ezixabisekileyo zichaza ixabiso lemali elinokupheliswa; Kungelo xesha ke apho izivumelwano zeBretton Woods zaqhekeka nenkqubo exhasa ixabiso ledola, ngokusebenzisa isinyithi esixabisekileyo.
Ngoku, oku kwenza ingqiqo enkulu kwinto esiyiphilayo namhlanje; kwaye umzekelo ocacileyo esinokuwubona lixabiso le-euro ngokubhekisele kwezinye iimali. Ukucacisa lo mbandela kancinci, ukuba oorhulumente basalixhasa ixabiso lemali ngesinyithi esixabisekileyo, iimali zihlala zihlala zixabisekile rhoqo. Kuxa kuzalwa imali ye-fiat apho iqala ukuvuyisana nothotho lweemali, endaweni yokuba zisekele ixabiso lazo kwi-endorsement, zibeke ixabiso labo kubudlelwane obukhoyo phakathi kwemali enye ngokubhekisele kwezinye ezikhoyo.
Kukule ndawo apho sinokuthi sicacise ukuba zikhona Iindidi ezimbini zemali, imali yorhwebo enexabiso layo kwisiseko sokuba neqabane elinjengezinyithi ezixabisekileyo; kunye nemali fiat, enexabiso phambi kwabantu naphambi koorhulumente bonke, esekwe kwisibhengezo sikarhulumente okhuphayo. Kwaye ukuze sikwazi ukushwankathela oku ngamagama alula sinokuthi i-euro inexabiso kuba, kule meko, uthotho loorhulumente bavumile ukunika ubunyani kule mali; ukuze xa urhulumente engabhengezi ukuba imali isemthethweni, ayizukusebenza njengemali, oko kukuthi, asizukukwazi ukuyitshintsha, okanye ukuthenga nantoni na.
Imali ye-Fiat
Ibhanki ephambili yaseYurophu, leyo ibhengeze ukuba i-euro iyasebenza kwaye yamkelwe njengemali, ichaza imali ye-fiat njengaleyo isekwe ngokumiselwa komthetho othile waseburhulumenteni onenjongo yokuyalela urhwebo noqoqosho lwendawo elawulwayo kwindlela Utshintshiselwano olungagungqiyo, nokuba idola okanye i-euro okanye i-yen iyathandwa.
Ngoku siyazi ukuba yintoni Fiat imali, singadlulela kwelinye inqaku elinomdla kwaye yindlela esiyisebenzisa ngayo imali ye-fiat, kunye nokuba zeziphi izixhobo ezenziwa ukuba zifumaneke kuthi ukulungiselela ukulawulwa kwale asethi.
Izixhobo ze fiat imali
Ngaphambili, xa igolide yayisisiseko soqoqosho kwaye yayiyeyona ichaza ixabiso leyunithi nganye yemali ngokubhekisele kwinkxaso yegolide eyayikho ezibhankini, indlela ekwenziwa ngayo intengiselwano, okanye ukuthengwa, yayikukuchaza Ixabiso elisisigxina kwimali, ke besisazi ukuba inqaku lemali engama-20 lixhaswa lixabiso elaneleyo ukuze sikwazi ukuthenga iipensile ezingama-20, kwaye ukuba umntu othile uzama ukuthenga iipensile ezo esebenzisa enye imali okanye olunye uhlobo lweasethi, ngokulula iyasebenza njengokuthenga, kodwa kunjengenkqiso.
Nangona kunjalo, ngokufika kwe Fiat imali Izixhobo ezisivumela ukuba senze imveliso yotshintshiselwano zivela ngaphandle kwesidingo sokuba netikiti okanye imali ebonakalayo ebibalulekile ngaphambili. Ezinye zezi zixhobo ziitsheki; Olu tshekisho lunokubonakala ngathi alusekho ngaphezulu kwephepha elinomxholo obonisa inani. Nangona kunjalo, xa eli phepha lixhaswa liziko lezemali liba yimali, ngokwenkcazo yindlela yokuthenga.
Esinye isixhobo ekufuneka sikwazi ukusenza Ukulawula imali ye-fiat ngamanqaku ezithembiso. Xa sisenza intengiso, kodwa umthengi engenayo imali eyimfuneko yokuthenga, singasebenzisa iphetshana lesithembiso, elilixwebhu elisemthethweni eliqinisekisa ukuba singabathengisi, ukuba umthengi uyavuma ukuhlawula isixa esimiselweyo ngokufanayo uxwebhu. Ke xa siqwalasele ezi ntlobo zamaxwebhu siyaqonda ukuba into esiyifumanayo yimali, imali enexabiso elisekwe kukuzithemba esinako umntu lowo uya kwenza intlawulo. Yiyo loo nto amanqaku ezithembiso ngamaxwebhu anokudluliselwa, ngohlobo lokuba xa singenamali yamaphepha, singenza ukuthengwa kwento ethile kusetyenziswa inqaku lesithembiso.
Kwelinye icala, sinokufumana amanye amaxwebhu asemthethweni ayinto yemali, efana neeakhawunti zebhanki, apho singenayo imali yamaphepha engqina ukuba imali yethu iyinyani; Endaweni yoko, umntu okanye iziko lisinika ukuqinisekiswa ngokusemthethweni ukuba le mali ikhona kwaye iyasebenza xa sisenza isigqibo sokuyinyanzelisa.
Ngaphandle kwamathandabuzo, ukwazi indlela yokuziphatha kunye nembali yemali ye-fiat kuya kusinceda kakhulu ukuqonda ngcono ukuba inkqubo yezoqoqosho kunye neyezemali isebenza njani kuninzi lwamazwe athe enza isigqibo sokutshintshela kwimali ye-fiat.