Impela sonke sizibuze lo mbuzo, ngoba ngumbuzo wamarandi ayizigidi ngomqondo ongokoqobo. Impendulo ukuthi inani liyahlukahluka futhi lincike ezimeni eziningi. Ngokuyinhloko indlela i-ephemeral echazwa ngayo umqondo wemali. Kwabanye abanomqondo okhethekile ngokwengeziwe, imali injalo igolide nesiliva. Babiza konke okunye ngesikweletu.
Kepha, uma wake wazibuza ukuthi ingakanani imali ekhona emhlabeni, mhlawumbe ucabange ukuthi impendulo yalokhu kufanele ibe yinombolo ephakeme impela, kepha impendulo ayilula kangako. Kulomhlaba lapho imali limelela amaphesenti amancane kuphela enani eliphelele, ngakho-ke kufanele sicabangele izinto eziningi ezingasinika impendulo.
Njengamanje i- inani lemali Kusungulwa ukuthembela kwabantu kuyo, lokhu kungenxa yokuthi inani elikhulu lemali elizungeza emphakathini alikhishwanga ohulumeni bezwe futhi alisekelwa yizinqolobane zamazwe, kepha ukuthi cishe i-90% yemali esakazwayo emhlabeni yimali leyo amabhange azimele ezentengiselwano Zisunguliwe futhi yi-10% kuphela eyimali ezinhlamvwini zemali nezikweletu ezikhishwa ngokusemthethweni ohulumeni.
Imali emhlabeni
Ukwazi ingakanani imali ekhona emhlabeniNgeke kwanele ukubheka izinhlamvu zemali ezahlukahlukene nezikweletu ezikhona. Imali isiyonke ingumphumela wemikhiqizo ehlukile, enye yazo eyikheshi. Imali ejikeleza kanye nemali ebonakalayo efakwe kumasefa asebhange yaziwa ngokuthi izobizwa ngokuthi isisekelo semali. Isisekelo semali yisamba esiphelele semali esikhona emhlabeni.
Izinhlobo ezahlukene zemali
Ukwazi nokwazi i- imali ephelele emhlabeniKuyafaneleka futhi ukubheka imali esinayo ekulondolozeni kwethu noma kuma-akhawunti wokuhlola, amasheke noma amadiphozi enziwe, okungukuthi, imali etholakala ngokushesha. Lolu hlobo lwemali lwaziwa njenge Imali Enciphile futhi lesi sigaba sifaka nemali, elinye igama elaziwa ngalo yi-M1.
Uma ku-M1 ufaka imali ngokutholakala esikhathini esifushane noma esimaphakathi, njengokufakwa kwesikhathi, umphumela uzoba inani eliphakeme kakhulu, elaziwa njenge-M2. Uma kulokhu kufakwa i- ukudluliswa kwemali okwesikhashana, izibambiso ngaphandle kwamasheya, ukubamba iqhaza ezimalini zemakethe yemali, kusukela kule ngxenye, kunezinhlobo ezihlukile zokubhala ezihlanganisa lezo ezishiwo ngaphambilini futhi zingahlukaniswa ngokutholakala kwazo, kanye nobuningi bemali yalokho okukhulunywa ngakho , kule modi singathola ku-M6 ngisho ne-M7.
Isamba semikhiqizo yasebhange
Ngemuva kokusho konke lokhu, kuqondakala ngokucacile ukuthi kunzima kanjani abale yonke imali emhlabeni, kodwa izilinganiso zingenziwa. Kulinganiselwa ukuthi kunezinkulungwane ezingaphezu kwamashumi ayisithupha ezigidigidi zamarandi, okuyi-1% kuphela yamaphepha noma izinhlamvu zemali, ngenxa yalesi sizathu singakucabanga ukubaluleka kwemikhiqizo kanye amabhizinisi wezezimali alawula imicu yomnotho womhlaba.
Kulezi zikhathi lapho ukufunwa kubonakala noma ikuphi, ikakhulukazi kufayela le- umkhakha we-macroeconomicsLezi zinhlobo zezikweletu zivame ukucatshangelwa njengemali futhi kulezi zindawo lelo gama lisebenza kwezinye izinto eziningi kanye nasezinhlelweni. Ngakho-ke inkinga ekuhlaziyweni akuyona inombolo enkulu yamazero ayengezwayo njengoba incazelo iyanda futhi iba yinto engabonakali kakhulu, kepha okuqukethwe nemingcele yencazelo.
Kumele futhi singenise imakethe yesiliva iyabalwa okungaba yizigidi eziyizinkulungwane eziyi-14. Into yokuqala okufanele uyazi ukuthi, ngokungafani negolide, isiliva linezinhlelo zokusebenza ezingaba yizinkulungwane eziyishumi ezimbonini zezokwelapha, ze-elekthronikhi, njll. Futhi, qonda ukusetshenziswa kwayo njengemali yangempela. Kumayelana nokuqonda ukuthi izindleko zensimbi eyigugu, noma ngabe igolide noma isiliva, ziye zacindezelwa kakhulu amashumi eminyaka ngamabhange amakhulu, ngoba umlando ukhombisile ukuthi ukuphela kwemali ebaluleke ngempela, futhi ngenxa yalesi sizathu, iyimingcele okumele ukwenziwa kwemali yakho kufanele kube nentengo efana ne-euro, idola, i-yen, iphawundi, i-peso, i-yuan, njll.
Ngokwenani le- Ukwenza imali kwenkampani ifiseleka kakhulu kuneNew York Stock Exchange, i-Apple. NgamaRandi ayizigidi eziyizinkulungwane ezingama-616, singaphuma ngokuqinile emayelana nezigidigidi zama-Anglo.
La isikweletu somhlaba uthathe isinyathelo esibalulekile, ngoba lokhu kungenxa yesikweletu esizimele njengamabhondi kazwelonke, ingqikithi yalokhu ingama- $ 199 AT atholwe futhi adalwa ngomoya omncane ngemuva kwenkinga ngo-2008. Lokhu kusho ukuthi, Isikhathi seminyaka eyi-8, umhlaba ungene ezikweletini ezengeziwe ezilingana nezikhathi ezingama-94 inani lemakethe le-Apple.
Ukuqhuma kwe-quantum
Yilapho i- ukubalwa kwezimali emhlabeni kuthatha i-somersault, njengoba inyukela ezindaweni eziphakeme kakhulu, okuyizinto ezisuselwa kokunye. Babaluleke kakhulu ngenxa yesimo sabo sokuhlanya esingu-1.2 quadrillion. Okulingana cishe nama-apula angama-2 XNUMX.
Lezi zitholakala kuthiwa zenziwe njengekhambi lokulwa nalo ubungozi bezezimali, kodwa ngokusho kwabahlaziyi abaningi umphumela ophambene ufinyelelwe, okungukukhulisa ubungozi. Eqinisweni, izikhali zezezimali zokubhujiswa kwabantu abaningi zingubufakazi balokhu futhi, yize kuliqiniso ukuthi zakha isethi engeza phezulu, izinhlekelele abazogcina bezidalile phakathi kwabagembuli ngabanye, ngokuqhuma, phakathi kokuhlelekile futhi abaphumelele badumele, labo ozakwabo abakwazanga ukubakhokhela. Ekugcineni, wonke umuntu ugcina esengokwehlulwa.
Indlela elula yokwenza incazelo kungaba ukuthi kufayela le- uhlelo lwebhange izwe ngalinye elinalo, kunabantu nezinkampani ezinemali ezihlela ukuyifaka emabhange, ngendlela yokubheka ama-akhawunti, amadiphozithi wesikhathi, amabhange okonga, njll. Lapho umuntu efake imali ebhange, le mali ibingagcinwa egumbini elingunaphakade, kulindwe lowo muntu ukuthi ayikhiphe ngelinye ilanga.
Ngokuphambene nalokho, okwenzekayo ukuthi ibhange lizosebenzisa leyo mali ukuyiboleka abanye abeza kuyo faka isicelo semalimboleko. Kodwa-ke, kufanele ugcine noma ugcine iphesenti elithile laleyo mali ezinqolobaneni, uma iklayenti lifisa ukuyikhipha nganoma yisiphi isikhathi. Amaphesenti angahluka ngokwamazwe, futhi kusungulwe yibhange eliphakathi nezwe ngalinye ukuthi amabhange azimele anesibopho esiqukethe ukugcina i-10% yamadiphozithi njengendawo yokugcina imali, kanye nalapho umuntu efaka amadola ayizinkulungwane eziyishumi ibhange, leli bhange kufanele ligcine izinkulungwane zamadola ezikweletini ngaphakathi kwamagumbi alo okugcina futhi okusele kungasetshenziswa ukuliboleka abanye ngendlela yesikweletu.
Lolu hlelo lusebenze ngale ndlela ngenxa yamathuba afunwa yilawo wonke amakhasimende khipha imali yakho ngasikhathi sinye, liphansi impela, yingakho uma kunamakhasimende ayi-100 ebhange ane-average engu- $ 2 efakwe lilinye, kuzoba nesamba esingu- $ 200 esifakiwe, ukuze ibhange libe nesibopho sokubeka amaphesenti ayi-10, alingana nama- $ 20, kanti amanye, okungama- $ 180, angasetshenziselwa ezinye izinjongo, njengokubolekisa abanye abantu.
Isibonelo, ake sithi a iklayenti lifaka amadola ayisigidi ebhange, ibhange eselikhulume ngalo lingasebenzisa imali efinyelela kuma-90% yamakhasimende ezobolekelwa abanye abasebenzisi, kulokhu kungaba ama-dollar ayizinkulungwane ezingama-900. Manje ake sithi omunye umuntu udinga ukubolekwa imali engama- $ 200 ukuthenga indlu, elinye iklayenti lidinga ama- $ 300 ukuvula ibhizinisi elisha lokuhweba, bese omunye umuntu eboleka imali engama- $ 400 kuyo yonke indlu. Njengoba ibhange line- $ 900 kuphela kusuka kumadiphozithi ekhasimende lokuqala, linganikeza lelo nani bonke abantu abathathu.
Kepha, ibhange ngeke linikeze amaklayenti alo imali engama-dollar ayizinkulungwane ezingama-900, kepha kunalokho i- engeza ku-akhawunti yakho yasebhangeLokhu kusho ukuthi imali isungulwe nje ekuqaleni, iyinombolo nje ku-database yama-akhawunti asebhange. Ngalesi sizathu, amadola ayisigidi abefakwe ekuqaleni azohlala engaphelele ngokheshi, kuphela ngohlelo lwayo lokugcina imali, ibhange linelungelo lokuqamba inani elifinyelela kumaphesenti angama-90 engqikithi egcinwe njengokheshi. Ngale ndlela, ama-dollar ayizinkulungwane ezingama-900 azobe esengezwe ohlelweni lwezezimali.