Empilweni yethu yansuku zonke sidinga imali, ukuze sikwazi ukukhokhela izinto zokuhamba ukusuka endaweni eya kwenye, ukuthenga i-pantry yethu noma ukuzithengela i-whim. Ngoba kukhona lokhu ukushintshaniswa okubanzi kwemali kulo lonke elaseSpain, nase-European Union, akumangazi ukuthi kunomuntu ozamayo imali engumbombayi yomgunyathi ukuze ukwazi ukuthola izinto ngomzamo omncane. Futhi lokho kungenxa yokuthi kunamaphepha emali angaphezulu kwezigidigidi eziyi-15 zama-euro, kukhona ithuba lokuthi kwesinye isikhathi kufanele sibe khona ithikithi liyimbumbulu.
Siyazi ukuthi zingaki izindleko zomgunyathi ezikhona?
Iqiniso ukuthi ngokungalawulwa singanikeza ukulinganisela kuphela, kungokwe- Idatha ye-ECB, alingana nemibhalo engamaphepha engumbombayi engaba yizigidi ezingama-670, yize empeleni lokhu bekuyilokho kuphela i-ECB ekwazile ukukubona, kanye nokuyisusa ekusakazeni kwegazi.
Kepha lesi sigaba sokugcina sisifundisa iphuzu elibaluleke kakhulu Kungani kunezimali eziningi zomgunyathi ezisakazwayo? Iqiniso ukuthi akekho umuntu ongathatha imali eyiphepha ayise ebhange azi ukuthi kungamanga, lapho-ke singabona ukuthi kunalawo maphepha asesakazwa ngoba asazi ukuthi singawahlonza kanjani kahle; Kungaleso sikhathi lapho sinikezwa esisodwa futhi singasibuyekezi, lapho ngisho nathi singawela ogibeni lwezikweletu ezishiwoyo.
Ingabe ikhona indlela yokukhomba isikweletu sangempela?
Ngoba kunabantu abaningi abazama ukukwenza lingisa futhi wenze ngomgunyathi imali engamaphepha yokuqala ye-euro, izinhlangano zikahulumeni eziphethe ukukhipha imali engamaphepha zizithathele zona ukuthi zifake izilawuli eziqinile kuzo zonke izimpawu zokukhomba ukuze zikwazi ukuthola amaphepha emali wangempela. Kodwa-ke, kusekhona abantu abazama ukwenza imali engumbombayi, futhi baphumelela ngendlela emangazayo; Kodwa-ke, kufanele samukele ukuthi elinye iphutha elikhona ukuthi ezikhathini eziningi abasebenzisi bamathikithi abazi ukuthi bangazibona kanjani zonke izimpawu zokuphepha ukuqinisekisa ithikithi.
Ngakho-ke ukuze wazi ukuthi awutholi inkokhelo engamanga, futhi awazi ukuthi ungayikhomba kanjani, sikulethela lokhu umhlahlandlela omfushane onezeluleko zokwazi ukuthi ungazibona kanjani izikweletu zomgunyathi. Ake siqale.
Amathiphu wokwazi ukuthi isikweletu asilona iqiniso yini
• Into yokuqala okufanele uyicabangele ukuze yazi uma isikweletu singamanga ukuthinta isikweletu; Lolu phawu lwezokuphepha lubhekwa njengolunye lwama-primaries, ngoba sonke sithinta imali ngezandla zethu; ukuthungwa kwemali yasebhange yoqobo Iqinile futhi iyamelana, kepha uma bekwazile ukulingisa kahle imali yombhalo wokuqala, ake siqhubeke. Kunezingxenye ezithile zemali engamaphepha ye-euro ezethula ezinye izisuli ezingabonakala kokuthintwayo, ngale ndlela uma ngokuvamile isikweletu samanga sizwakala njengesoqobo, singakukhomba uma sibona lezi zinhlawulo, noma cha.
• Enye yefayela le- izimpawu zokuphepha zemali Yizibopho zemigqa emifushane ekhululekile, lezi zitholakala emaphethelweni angakwesobunxele nangakwesokudla ebhange, futhi zingukuphambuka kwawo.
• Ukuya khomba isikweletu esingumbombayi Singasebenzisa futhi ukuhlolwa okubukwayo, kulokhu okumele sikuhlonze ukuthi ngokubeka ithikithi ekukhanyeni sizokwazi ukubona okulandelayo. Ngasohlangothini lwesobunxele lomthethosivivinywa singathola isikhala "esingenalutho", lapho umthethosivivinywa usukhanyisiwe lesi sikhala esingenalutho sigcwaliswa ngomdwebo wenzuzo, ngaphezu kwenani lomthethosivivinywa.
• Endabeni yabathile izikweletu ezintsha njengama-euro angama-5 singathola futhi isithombe se-Europe kanye nesithombe somlingiswa wasenganekwaneni osinike igama laso ezwenikazi laseYurophu.
• Olunye uphawu lwe ukuphepha okubukwayo Esingakuthola yintambo yezokuphepha yomthethosivivinywa, inani lomthethosivivinywa kufanele liqoshwe kuwo, ngakho-ke uma umthethosivivinywa ungahambisani, ngokuqinisekile ungumbombayi. Igama elithi euro, noma uphawu lwe-euro, nalo kumele livele emibhalweni yamaphepha emisha emisha. Ngakho-ke uma ungaziboni lezi zici zokuphepha komshuwalense, ubhekene nesikweletu mbumbulu.
• Manje, sesigxile engxenyeni kuphela phambi kwesikweletu, kepha asiqedile ngezimpawu zokuphepha ezikhona, futhi lokhu okulandelayo kusekelwe ekuguquleni umthethosivivinywa ukukhomba okulandelayo.
• Lapho sivula isikweletu, into yokuqala okufanele siyibheke i ibhande lesiliva ohlangothini lwesokunene lomthethosivivinywa; Uma leli qembu lilahlekile, umthethosivivinywa ungumbombayi. Kodwa-ke, uma le mali yasebhange ineribhoni lesiliva kufanele ubheke okulandelayo, kule ribhoni kokubili inani lemali yasebhange efanayo nophawu lwe-euro kufanele kuvele, ngendlela efanayo ihologram yaseYurophu okumele ivele ngayo, ongumlingiswa wasenganekwaneni.
• Uma uzama qinisekisa ithikithi elisha of 5 euro kufanele ucabangele ukuthi kukhona enye indlela ukuhlonza. Kulemibhalo engamaphepha, isibalo esisengxenyeni engezansi kwesobunxele kufanele senziwe ngethoni ekhanyayo, leli toni livumela isibalo ukuthi sibe nombala wensimbi oguquguqukayo phakathi kwemithunzi ye-emerald eluhlaza noluhlaza okwesibhakabhaka okumnyama.
Lezi zikhonjwa njengezihamba phambili izimpawu zobuqiniso be-euro eyodwaKodwa-ke, kufanele kubhekwe ukuthi ama-banknotes okuluhlobo olusha afakiwe nobuchwepheshe bamuva obutholakala ngokwezokuphepha.
Buyini lobu buchwepheshe futhi sizobazi kanjani?
Into yokuqala okufanele siyibuyekeze kusuka manje kuqhubeke ukuthi kufayela le- imali engaphambili kuye kwafakwa imigqa emifushane yokusiza esifundeni esihambisana nhlangothi zombili ezingakwesokunxele nangakwesokudla; Inhloso okwenziwe ngayo lolu phawu olusha lokuphepha wukuqinisekisa ukuthi ngisho nalabo abanohlobo oluthile lokukhubazeka okubonakalayo bayakwazi ukubona lemibhalo engamaphepha.
Enye ye izindaba zokuthi lemibhalo engamaphepha ifaka phakathi ukuthi esikhaleni sebhange esisehlangothini lwesobunxele lwemali yasebhange eshiwo kukhona i-watermark evela efasiteleni, kanye nenani lemali engamaphepha, kanye nomfanekiso womlingiswa wezinganekwane; Le watermark iyona esingayibona ngokumelene nokukhanya.
Olunye ushintsho olungabonakala ukuthi intambo yokuphepha yemali yasebhange lapho kuvela khona igama elithi euro manje kuvela uphawu lwe-euro kuphela. Lokhu kushintshiwe ukuze kusheshe futhi kube lula ukukhomba uphawu lwezokuphepha; ngaphezu kweqiniso lokuthi zonke izikweletu zomgunyathi ezenziwa ngaphambi kwalokhu kuthuthukiswa zinegama le-euro kuphela, ngakho-ke ziyizikweletu ezingasetshenziswanga, inqobo nje uma sibheka izimpawu zokuphepha.
Embossed ukuthungwa nomuzwa ocwebezelayo lokho kunikeza ukubonakaliswa kwensimbi emfanekisweni wemali yasebhange kuyavela kumbhange wamarandi ayi-10, njengakwimibhalo yasebhange engu-5.
Yonke imibuzo ehlaziyiwe lapha ine- inhloso yokukwazi ukuthola imali engumbombayi ukuze singabi izisulu zalokhu kungamanga; Ngaphandle kwalokhu, kungenzeka ukuthi singabaze ubuqiniso bombhalo. Uma lokhu kuyinkinga yethu, singaya kusizo lwesikhungo sezezimali ukuze sikwazi ukucacisa ukuthi ngabe imali engamaphepha esiyithandabuzayo ingeyokuqala noma ingumbombayi.
Iseluleko esisebenza kakhulu lapho sizithola sisezimweni lapho singasiniki khona Isikhathi sokuqinisekisa ubuqiniso bencwadi yemali kungukuthi sizigxilisa ekuthinteni ngendlela esebenza kahle futhi esheshayo; Ngale ndlela ngeke sibe nesidingo sokubeka umthethosivivinywa ngokumelene nelambu noma ukuwuguqula, ngakho-ke singathatha kuphela isikweletu, sizizwe, futhi uma sithola iphutha lapho silithinta singakwazi, uma sinquma, senqabe bill noma singathatha isikhathi ukwazi ukuqinisekisa ezinye izimpawu zokuphepha.
I-Dilma evela lapho sikhomba i- umthethosivivinywa mbumbulu ngaphandle kwesikhathi kungaba ukuthi siyisebenzise noma cha, lapha kubaluleke kakhulu ukuthi ukuze sisekele ukukokotelwa kungasathinti abantu abaningi, sisusa imali yasebhange esakazwayo, okungukuthi, asisayisebenzisi. Ngale ndlela singasiza ukuthi lezi zikhwama zingasabalali.
Manje, uma sinebhizinisi lethu, futhi ngenxa yalokhu sikhathazekile ngokuba nohlelo lokuphatha umazisi wasebhange Kulula, kungenzeka ukuthi sisebenzise amanye amadivayisi akhomba ukuthi yimaphi mbumbulu futhi ngawangempela, ngale ndlela sizogwema ukulahleka okuningi futhi sizogwema nokuchitha isikhathi esiningi sibukeza ngamunye wezikweletu. Kumele kuqashelwe ukuthi ukuze ukwazi ukuqinisekisa ukuthi idivayisi isebenza kahle, kungadingeka ukuqinisekisa ukuthi yiziphi izinhlelo zekhwalithi ukuze ikhombe amanothi omgunyathi, iphinde ihlaziye ukuthi zisebenza kanjani lezi zinhlelo.
Ukukhomba izikweletu zomgunyathi Ngaphambi kokuthi zisatshalaliswe, kuzobavimba ukuthi bangasithinti thina nabanye abantu.