Ukuvela kwamazinga wenzalo kungenye yezinto ezinquma inkomba ezobekwa izimakethe zamasheya emhlabeni wonke. Kuleso naleso silinganiso, kuya ngokuthi ngabe isu lemali ukukhulisa noma ukwehlisa. Kuzoba ipharamitha engaphezulu kokunquma ukuthi uvule noma uvale izikhundla ezimakethe zezimali. Kufike emazingeni adinga kakhulu njengoba ubonile eminyakeni yamuva. Ithonywe izinqubomgomo ezenziwa ezinhlangothini zombili ze-Atlantic.
Esimweni samanje sezomnotho, izinqumo zamabhange amakhulu ezindawo ezikhiqiza kakhulu emhlabeni ziya ngokuya zifaneleka kakhulu. Ngokuvamile okukhulu ekunyakazeni okwenziwe ngenxa yezinhloso zalabo ababhekele inqubomgomo yemali. Kufike ezingeni lokuthi zingakwenza ukuwina noma ukulahlekelwa yimali eningi emisebenzini oyenza ibe semthethweni kusukela manje kuqhubeke ezimakethe ezinkulu zezezimali. Kungakho kubaluleke kakhulu ukuthi unake kakhulu ukuvela kwayo esikhathini esifushane naphakathi.
Ukusuka kulesi simo esivamile, akungabazeki ukuthi amazinga wenzalo azoba yinto engaphezu kokufanelekile ukulungiselela i amasu okutshala imali. Ngaphezu kolunye uhlobo lokuhlaziywa, zombili kufayela le- ukuxhumana kwezobuchwepheshe njengokuyisisekelo. Ngalesi sizathu esifanayo, uzoba nezizathu ezingaphezu kwesisodwa zokulawula iphothifoliyo yakho yokutshala imali. Ngamanani athile abucayi kakhulu kunabanye ukuthatha lokhu kuhamba ngentengo yemali. Kunoma ikuphi, zibeke esimweni esibi kakhulu, ngoba zonke izibikezelo ziya ohlangothini lokukhuphuka kwamazinga wenzalo.
Izinhlobo: kungani zinquma?
Ngokuphathelene nezimakethe zezimali zaseMelika, izinto zibonakala zicace kakhulu kunezaseYurophu. Akumangalisi ukuthi, akumangazi ukuthi konke okuzoba yimiphumela yezinqubomgomo ze Donald Trump bazobonana ngonyaka ozayo. Kulesi simo esiyinkimbinkimbi, ngeke kube khona okunye ongakwenza ngaphandle kokuqonda amanani athile aseMelika futhi. Bangakhipha isimanga esingaphezu kwesisodwa esibi kulezi zikhathi. Ngoba okunye ukwesaba okukhulu okubamba abatshalizimali abancane nabaphakathi ukuthi ukuthambekela okujwayelekile kwezimakethe kule ndawo yezomnotho kungaguqulwa nganoma yisiphi isikhathi. Njengoba sikuxwayisile ngale ndlela.
Amanani wenzalo ephansi ahlala ezuzisa kakhulu izimakethe zezimali kunokuthambekela okuphambene. Ngezizathu esezivele zichaziwe kuma-athikili adlule. Ngale ncazelo noma iyiphi Ushintsho lwethrendi bangabeka izikhundla ezimfushane kubathengi. Kunoma ikuphi, kuzoba yisaba esiphelele kuwe ukushiya izikhundla zakho uma utshalwa izimakethe zezimali zezezimali. Kungaba isu eliphumelela kakhulu ukuvikela ukonga kwakho ngamandla amakhulu ezindleleni zakho zamasu.
Okunye okuhluke kakhulu yilokhu okwenzekayo ezinhlotsheni zezwekazi elidala. Lapho noma yini ingenzeka ngempela. Ukusabela okwenziwe izimakethe zezimali kusukela manje kuqhubeke akunakulindeleka. Ukuvikelwa okuncane ngeke kuze kukulimaze ukuthuthukisa noma yiluphi uhlobo lwamasu. Yize yonke into ibonakala ikhombisa ukuthi ukunyuka kwamanani kuzoba esikhathini esimaphakathi. Kepha hhayi ezinyangeni ezimbalwa ezizayo kusukela ukuthambekela okufanayo kuzogcinwa kuze kube manje. Lokho kungukuthi, ngentengo eshibhile kakhulu yemali, kumlando ongu-0%.
Imiphi imikhakha esengozini enkulu?
Lo nyaka kungaba unyaka wamabhange. Lesi yisitatimende sabahlaziyi abaningi abalandela eduze izimakethe zezimali. Ngesizathu esilula sokuchaza futhi lokho kusekelwe eqinisweni lokuthi bazoba ngabazuzi abakhulu besinqumo esingahle senziwe yi I-European Central Bank (ECB) ukukhuphula amanani kulo nyaka. Uma kunjalo, kuzobavumela ukuthi benze izimbuyiselo eziphakeme kuma-akhawunti abo ebhizinisi. Njengomphumela wokukhuphuka kwamanani wenzalo kuyo yonke imigqa yayo yekhredithi. Ngokuphumula ngemuva kweminyaka emibi evuniwe ezinyangeni ezedlule.
Ngakho-ke, kungumkhakha okufanele unake kuwo ngokukhethekile kusukela manje kuqhubeke. Ngefayela le- amandla aphezulu inamandla impela uma lesi simo sigcwaliseka ngamanani endaweni ye-euro. Eqinisweni, okwamanje bacashunwe ezimakethe ngamandla amakhulu. Ngaphezu kweminye imikhakha ebaluleke ngokukhethekile futhi esilele emuva maqondana namaqembu ezezimali abaluleke kakhulu ezweni.
Ngokombono wochwepheshe bezemali, kuneqembu elikhethiwe lamabhange abaningi abathanda futhi abangaba yinto oyithengayo kusukela manje kuqhubeke. Ngalo mqondo, amabhange abahlaziyi abathanda kakhulu yiBBVA, Bankinter neBankia. Kokubili ngemiphumela kanye nezisekelo zayo. Owesibili wabo ukubheja okusobala ohlangothini lwabalamuli bezezimali. Kuze kube seqophelweni lokuthi futhi kube yibo abathatha isinqumo esingaphambi kwesikhathi ngokushintsha kwethrendi ekuguqukeni kwamazinga wenzalo.
Eminye imikhakha yazuza kakhulu
Okunye ukubheja okukhulu kokuphela konyaka uma lesi simo sigcwaliseka yilezo ezibizwa ngamanani wokujikeleza. Phakathi kokuvelele izimboni, imikhiqizo kanokusho nezokuvakasha kanye nezinsizakalo, phakathi kwabanye. Kamuva, izindiza, amaqembu amahhotela nezikhungo zokubhuka zivelele. Kuzo zonke izimo, bazokwazi ukwenza kangcono kunayo yonke imikhakha yemakethe yamasheya. Ngamathuba aphezulu okuthola inzuzo ephezulu uma ukhetha ukutshala imali oyilondolozile ngalesi sikhathi.
Kwezinye izimo, bathengisa ngisho ngesaphulelo esithile kusuka kunani eliqondisiwe abalinikezwe ngabalamuli bezezimali. Ngamakhono angafinyelela kuma-25% kuziphakamiso ezinhle kakhulu zezintshisekelo zakho njengomtshalizimali omncane naphakathi. Kungaba yithuba lokuvula izikhundla ezinye zalezi zibambiso futhi uzifake kuphothifoliyo yakho elandelayo yokutshala imali. Ukulimaza izinkampani ezibalwe mancane amathuba okuthi zenyuke ngemuva kokunyuka kwamazinga wenzalo.
Yini ukusebenza kwakho?
Kepha okubaluleke kakhulu kuwe ukuthi ungasisebenzisa kanjani lesi simo esisha esilahlekelwa ukwethula umnotho wezwekazi elidala. Yize kubo kufanele ushintshe amasu akho okulingana, kwesinye isikhathi ngendlela enolaka kakhulu kunokujwayelekile. Uzoba nomkhondo ngezikhathi ezithile mayelana nalokho okufanele ukwenze ngezinhloso ezivezwe ngumqondisi wayo, u-Mario Daghi, emihlanganweni elandelayo ye-ECB. Lapho kunokungabaza, kungavela ezinye izindaba mayelana nezinhloso zabo zangempela zenqubomgomo yemali. Ungasebenzisa ngawo amasu athile ekusebenzeni kwemakethe yakho yamasheya. Lezi ngezinye zazo,
Qinisa izikhundla zakho ku imikhakha ihlomule kakhulu ekukhuphukeni kwamanani. Kuzoba isilinganiso esisebenza kahle kunazo zonke ongasisebenzisa ezimakethe zezimali kusukela manje kuqhubeke. Kuphi, kuzobaluleka kakhulu lokho
Khombisa eyodwa ukuqaphela okukhulu ngemisebenzi yakho kumasheya, ngoba ngokuvamile ukukhuphuka kwenzalo ezimakethe akutholakali kahle ngabo. Ikakhulu ezinsukwini ngemuva kokwenza izinqumo ngamabhange amakhulu.
Kukhona njalo uchungechunge lwemikhiqizo yezezimali ethandwa yilezi zenzo zemali. Ikakhulukazi, ezikhwameni zokutshala imali. Yilapho kufanele uthele khona zonke izenzo zakho ukwenza ukonga kwakho kube nenzuzo ngeziqinisekiso ezinkulu.
Kungaba izaba ekahle ku- buyela emuva kumikhiqizo ejwayelekile yasebhange. Imali yesikhathi, amanothi ezethembiso zebhange ngisho namabhondi kazwelonke. Ngoba empeleni, bazokwandisa ukusebenza kwabo ngalezi zinyathelo. Ngokubuya okungaguquguquki nokuqinisekisiwe kokulondolozwayo okuzokunikeza ukuphepha okukhulu.
Kumele ukhumbule ukuthi kulezi zimo inqubo ye-inflation iqala futhi ngenxa yalokho uzolahlekelwa amandla okuthenga ngenzuzo oyenzayo kutshalomali lwakho. Ngeke ibe ngamanani anelisekayo njengakuqala ngoba izoncishiswa ngokwenyuka kwamanani kuzinto ozithenga kakhulu.
Kunoma ikuphi, ukukhuphuka kwamazinga wenzalo akuzona izindaba ezinhle zezintshisekelo zakho njengomtshali-zimali omncane. Kepha kunalokho, kuzodala ukungazinzi okukhulu ezimakethe zezezimali kusukela ngesikhathi sokufakwa kwayo.
Kuzoba isikhathi esifaneleka kakhulu se- lungisa iphothifoliyo yakho yokutshala imali. Ngokubuyekezwa ngokuphelele kwezimpahla zezimali lapho unezikhundla ezivulekile khona. Ungawabeka esikhundleni sawo ngokuthanda abanye kulezi zinguquko zomjikelezo emnothweni.
Njengoba kuhlala kwenzeka kwizimali, i amathuba ebhizinisi bazophinde bavele kulezi zimo ezintsha zezomnotho. Kuzofanele ubabone kuphela ukuze bavule izikhundla kuzo futhi ngale ndlela ungafinyelela izinhloso zakho ngempumelelo enkulu.
Futhi njengoba kwenzeka kaningi kulezi zimo, kungahle kube yisikhathi sokuthi uthathe izinsuku ezimbalwa ze phula imali. Ngaphandle kwenjongo ngaphandle kokubheka ukuthi ukuvela kwangempela kwezimakethe zezezimali kuyini kulezi zinsuku ezimbalwa ezizayo. Lokhu kusebenza kuzokufanele.
Ekugcineni, ngeke ukhohlwe ukuthi sibhekene ne- ushintsho lomjikelezo maqondana namazinga wenzalo. Futhi lokho kuzodingeka ukuthi kwenziwe okuningi ngezinga lokuvuselelwa kwezomnotho kwamazwe amakhulu emhlabeni. Ngokuhluka kolunye uhlangothi noma kolunye futhi lokho kuzogcina kuthinte izikhwama.