Enye yezinto ezinkulu abatshalizimali abanazo njengamanje ukuthi kungenzeka ukuwa okukhulu kwezimakethe zamasheya omhlaba wonke. Lokhu ngokuqinisekile ukukhathazeka okuvezwa abanye abahlaziyi bemakethe abaxwayisa ngengozi yangempela yesimo esinjalo. Nokho, abanye abasabi kakhulu ezibikezelweni zabo futhi balinganisela ukuthi, esimweni esibi kakhulu, okungenzeka kube ukulungiswa okukhulu kwamanani esitoko. Kodwa akukho okunye.
Kunoma ikuphi, kungenye indlela okufanele uyicabangele. Ikakhulukazi ukuze ungabanjwa ungalindele futhi kungabangeli izinkinga ngebhalansi yakho yasebhange. Okuhlangenwe nakho kwangaphambilini emakethe yamasheya kungakwenza uqaphele kakhulu. Isu kuzoba ukubeka phambili ukuphepha kunembuyiselo engaba khona. Ngoba, ngempela, kuningi okusengozini. Akukho okungaphansi kwemali yakho.
Kunoma ikuphi, kuzoba ukuhlakanipha kakhulu ukubukeza idatha ehlukahlukene yezomnotho neyemakethe yamasheya ukuze kutholakale ukuthi ukuwa kwemakethe yamasheya emhlabeni wonke kungenzeka ngempela. Lena kuzoba yindlela enengqondo kakhulu yokuhlola izinketho zokutshala imali ezitholakalayo kuwe eminyakeni ezayo. Ngokusekelwe kulokhu kuhlolwa, ungaklama iphothifoliyo ekhethekile kakhulu, enganciphisi imbuyiselo engaba khona engayikhiqiza imali yakho oyilondolozile ngaphansi kwalesi simo esisha.
Imakethe yamasheya aseNyakatho Melika ephezulu
Esinye sezihluthulelo zokuchaza ukwehla okukhulu kwemakethe yamasheya iqiniso lokuthi izinkomba eziyinhloko zemakethe yamasheya yase-US zisezingeni eliphezulu kakhulu . Bezilokhu zikhuphuka kancane kancane eminyakeni embalwa edlule, ngaphandle kokulungiswa okuningi, kanye nalezo ebezihlala isikhathi esifushane kakhulu. Lo mkhuba ngokuqinisekile kuzodingeka uphele ngesikhathi esithile. Isihluthulelo sisekuqineni kwawo nokuthi uzokwenzeka kanjani: kungakhathaliseki ukuthi kwenzeka ngokufika kanzima, noma, ngokuphambene nalokho, ngokuwa, njengoba abanye abahlaziyi bezezimali bexwayisa.
Kulokhu, izinkomba zemakethe yamasheya aseMelika zizoba yi-barometer enhle kakhulu yokulinganisa ukuthi kungenzeka yini ukuwa kwemakethe yamasheya. Esinye isibonakaliso esibalulekile sokuphatha lesi simo esibi kakhulu kuzoba yizinyathelo ezithathwe ngumongameli omusha wase-US, uDonald Trump . Uma into eyodwa icacile ngo-2017, ukuthi ngeke kube unyaka wokunganaki kunoma ubani, ikakhulukazi abatshalizimali abancane nabaphakathi. Kuthembisa injabulo enkulu kusukela ngoJanuwari.
Esinye isici okufanele usicabangele ekuqondeni lesi simo esisha samasheya ukuthi amazinga enzalo azoshintsha kanjani kulo lonke i-Atlantic. Lokhu ngokuqinisekile kuzokunikeza izinkomba zezinqumo zakho zokutshala imali. Kunoma ikuphi, ukutshalwa kwezimali kwakho kuzoxhunyaniswa eduze namandla omnotho waseMelika. Abahlaziyi baxwayisa ngokuthi uma kwenzeka ukuwa kwemakethe yamasheya, cishe kuzokwenzeka e-US ngaphambi kokuba kwenzeke eYurophu. Kusukela kulo mbono, ngeke ube nakukhetha ngaphandle kokwehlisa intengo yale makethe yezezimali.
Ukuphahlazeka: sala kahle ephusheni laseYurophu
Esinye isizathu esingaba khona salokhu kuwa kwemakethe yamasheya kungaba ukuphela kwenqubo yokuhlanganiswa kweYurophu, okungenani njengoba kuqondwa kuze kube manje. Izingxabano zezepolitiki nezenhlalo zingaphawula ukuphela kwale nqubo. Uma kunjalo, bekungeke kumangaze uma izimakethe zamasheya bezilindele lolu shintsho olukhulu ezimpahleni eziningi zezimali, okungenzeka luholele ekuweni kwezimakethe zezimali. Amareferendum akamuva eGreat Britain nase-Italy abe yisixwayiso salokho okungase kwenzeke ngonyaka ozayo.
Vele, umbono awuthembisi kakhulu, kanti futhi kuncane kakhulu kubatshalizimali abancane. Bathatha izixwayiso eziningi ngokwengeziwe ekusebenzeni kwabo ezimakethe zezimali. Akunakuphikwa ukuthi lesi simo singaba imbangela yokuwa ezimakethe zezimali ezwenikazi elidala. Okuthi noma ikuphi, futhi ngokungafani neMelika, akuyona ephezulu ngaso sonke isikhathi. Hhayi nakumkhuba ocacile futhi ochazwe kahle njengamanje.
Akumangalisi ukuthi kukhona ukungabaza okukhulu ngesimo sangempela samabhange aseJalimane nase-Italy . Angaletha, nganoma yisiphi isikhathi, ukushaqeka okukhulu kubatshalizimali abanezikhundla ezivulekile ezimakethe zamasheya. Uma kunjalo, azoba phakathi kwemikhakha esengozini enkulu yokwehla kwamanani amasheya, ngesilinganiso esikhulu. Uma sibheka lesi simo esingaba khona, kungaba ukuhlakanipha ukugwema amasheya abo, okungenani esikhathini esifushane nesiphakathi.
Ukubuyela emuva ekukhuleni komhlaba
Lokhu ngokungangabazeki kuzoba esinye isici esibalulekile ekuletheni lesi simo esibi kakhulu ezimakethe zamasheya. Ngempela, ukwehla kwamandla omnotho okusha kungaba yinhlekelele enkulu ekushintshanisweni kwamasheya emhlabeni jikelele. Zimbalwa izimpahla ezingaphunyuka kulesi simo esingavamile nesimangalisayo "sawo wonke umuntu ngokwakhe". Zimbalwa izinkampani ezizokwazi ukugwema lokhu kwehla, futhi ngokwengeziwe, abatshalizimali bazo bazobhekana nesimo esifanayo. Bazobona amaphothifoliyo abo esitoko ehla ngeviki, noma ngisho nezinsuku uma idatha imbi kakhulu kunalokho obekulindelwe.
Lokhu akuyona into okufanele ilahlwe, njengoba abahlaziyi bezimakethe zezimali abadumile bephawulile. Lokhu kuyiqiniso ikakhulukazi mayelana nezwekazi elidala, lapho kwenzeka khona ukubuyekezwa kokwehla kwezibikezelo zokukhula kweYurophu . Lokhu kungabangela ngisho nemakethe yamasheya yaseYurophu ukuba iwe ngesikhathi esingalindelekile. Ngale ndlela, ukuvela komnotho waseShayina kungaba omunye umthombo wokungazinzi okungathinta izimakethe zamasheya. Eqinisweni, ehlobo lonyaka odlule, idatha embi ngomsebenzi wayo wezomnotho yabangela ukwehla okukhulu kwezimakethe zamasheya emhlabeni jikelele. Lokhu kusebenza njengesixwayiso, ngokusho kwabanye abahlaziyi bezezimali.
Ukuze bangabanjwa kulo mdlalo kulesi sigaba, ngeke ube nokuzikhethela ngaphandle kokulalelisisa imininingwane enikezwa njalo yizinhlangano eziyinhloko zamazwe omhlaba. I-IMF, i-BMI nezinye izikhungo ngezinye zezikhiphi zayo. Akumangalisi ukuthi bazokunikeza umkhondo ongaphezu kowodwa wokuthi umnotho womhlaba uhambela kuphi okwamanje. Ukuze ngale ndlela, ungene futhi uphume ezimakethe zezimali ngokuya ngomzuzu wokuhlangana.
Izixwayiso ze-gurus zokuhweba
Futhi akukho ukushoda kwezibikezelo ezivela kwabanye ochwepheshe abaphambili ezimakethe zezimali. Sekuyiminyaka eminingana manje, bebekhuluma ngokuthi kungenzeka yini ukuthi kube nebhamuza ezimakethe zamasheya cishe emhlabeni wonke. Akucaci ukuthi lawa mazwi avela ekuzifuneleni noma eqinisweni abatshalizimali abaningi abancane nabaphakathi abasakwazi ukufinyelela kulo. Kunoma ikuphi, kuzoba yisizathu esifanele sokusebenzisa zonke izinyathelo zokuqapha ezidingekayo ukuze kuvikelwe imali yomuntu.
Le mithombo efanayo ayizikhiphi ezinye izimpahla zezimali ezifanele kakhulu kule nhlekelele. Isibonelo, imakethe yamabhondi . Le mikhiqizo yezezimali nayo yathola isixwayiso esingathi sína ngonyaka odlule ngokwehla okukhulu kwenzuzo yayo, kwaze kwaba seqophelweni lokuthi abanikazi bezimali zokutshalwa kwezimali abaningi balahlekelwe yimali eningi kakhulu kulezi zikhundla.
Kusukela kulo mbono, elinye lamasu amahle kakhulu ongawasebenzisa ukukhetha izimpahla eziphephile ezigcina kangcono imali yakho. Enye yezimpahla ezinjalo igolide, ebilokhu isebenza kahle kakhulu ezinyangeni zamuva. Lokhu kuyinkomba ecacile yesimo sangempela sezimakethe zendabuko, lapho abatshalizimali abaningi beshintsha khona imali yabo. Kuzoba enye indlela okufanele uyicabangele lapho wakha iphothifoliyo yakho yokutshala imali yonyaka ozayo.
7 okhiye basinde
Vele, ubudlelwano bakho nezwe lokutshala imali ngeke lube lula kusukela manje kuqhubeke. Noma okungenani njengokuzivocavoca okwedlule. Le yinto okufanele uyicabange ngokushesha okukhulu. Izokusiza ukuthi ulondoloze imali yakho futhi uthuthukise nezimbuyiselo ongazithola kusukela manje. Ukwenza lula lo msebenzi, akufanele uphuthelwe amanye amathiphu ukuze usinde.
- Impela kufanele ucabangele isimo lapho bangakhula khona ukwehla okuphawulekayo kwamanani. Lokhu kungenzeka kakhulu kwenzeke kanjena.
- Izimali zakho kufanele zibe beshesha kakhulu futhi ukwenze ngaphansi kwesikhashana esifushane kakhulu unomphela ukuze ungakwazi ukubambeka ezikhundleni uma kwenzeka isimo esingesihle.
- Kuzonconywa kakhulu ukuthi ukhethe amanani aphephile nokuthi banamazinga amahle okukhokha. Kuzoba isu elisebenza kahle kakhulu ukugwema ukucasuka kakhulu kunesidingo.
- Ukungabikho ekuhwebeni akuwona umqondo omubi futhi. Kungakusiza nokuthi usebenzise lonke ulwazi lwe- amathuba ebhizinisi ezinikezwa ngamanani.
- Kulula kakhulu lokho hlukanisa izimali esikhundleni sokugxila kunani elilodwa emakethe yamasheya noma kwezinye izimakethe zezezimali. Uzogwema ezinye izingozi ekunyakazeni kwakho.
- Ungazami phuthuma izikhundla zokuwina, kepha kufanele wazi ukuthi ungathatha kanjani umhlalaphansi ngesikhathi. Ukukuvikela ekungeneleleni okungenzeka ezimakethe zezezimali.
- Awucabangi lokho nangaphansi kwanoma yiziphi izimo ukusebenza kweminyaka edlule kufanele kuphindwe kusuka manje. Lokhu akwenzeki ngaso sonke isikhathi, ngoba lokhu kungamanani futhi akulungisiwe. Ukufika ezingeni lokuthi ungakwazi ukuhlanekezela izinhloso ozibekele zona kumasu akho.