Ukwesaba Ukwehla Kwemali

13 May 2021 | Ngu Richard Ahern - "Ungayigcini imali yakho ebhange noma ungathola okwakungakuthenga i-Ferrari, manje usuzokuthola kuphela isikuta esisetshenziswayo esinamabala angabazekayo endaweni yokuphahlazeka."  

Ama-indices wesitoko emhlabeni wonke kwehla ekwesabeni okubi kakhulu kokwehla kwamandla emali emashumini eminyaka!

Izitoko zobuchwepheshe zase-US zibe nosuku lwesithathu olulandelanayo lwenhlekelele. Inkomba ye-NASDAQ 100 yehle cishe ngamaphesenti angu-2.5 namuhla ngenxa yokwanda kokwesaba ukwehla kwamandla emali. Izintengo zabathengi base-US, zikalwa nge- Umthengi Price Index (Inkomba ye-CPI noma i-CPI) ikhuphuke ngesivinini esikhulu kusukela ngo-2008, kubikwa ukuthi kube ngemva kokunyuka okushaqisayo okungu-4.2% phakathi nezinyanga ezingu-12 ezedlule, okungalungiswanga ngesizini.

Ukwehla kwamandla emali bekulokhu kukhathaza selokhu kwaqala lolu bhubhane lapho ohulumeni namabhange amakhulu kufanele bafake imali emnothweni. Inqubomgomo yezimali elula yayiwububi obudingekayo njengoba izigidi zalahlekelwa imisebenzi ngenxa yobhubhane olubi kakhulu olwake lwabonakala eminyakeni eyi-100. 

UMongameli Biden ubangele olunye ukwesaba kwe-inflation e-US ngenxa 'yesu lakhe lokuhlenga' lika-$1.9 trillion. Lolo hlobo lwezindleko zikahulumeni lwavusa amashiya amaningi kosomnotho futhi kufanele. Lapho leyo mali isebenza ngendlela yayo emnothweni futhi abathengi beqala ukusebenzisa, amanani azokhuphuka ngokushesha. Yilokho kanye okwenzeka ngo-April lapho idola laseMelika (linganisa nge-dollar index) lishaya kancane. Idola elintengantengayo kanye nezintengo ezikhuphukayo zilimaza kakhulu abathengi nabase-US. Ukwesabeka kwe-inflation kwasakazeka emhlabeni wonke nge-indices yaseYurophu kanye Inkomba ye-FTSE 100 ukwehla futhi. I-Dow Jones kanye ne-S&P 500 zonke zehle cishe ngo-2% kodwa izitoko zobuchwepheshe zase-US zishayeke kakhulu. 

The I-NASDAQ 100 index okuhlanganisa izinkampani ezifana ne-Apple, iMicrosoft, iGoogle, kanye neTesla zifinyelele phezulu ngo-Ephreli ngaphezulu kwama- $ 14,000. Manje, ezinsukwini ezintathu ezedlule ngenxa yokwesaba ukwehla kwamandla emali, ihlezi cishe ku-$12,900! 

Ukwehla kwamandla emali kungenye yezinkomba zezempilo ezibaluleke kakhulu kwezomnotho, iphansi kakhulu futhi umnotho uyantenga njengoba abathengi bengasebenzisi imali, kodwa ukuphakama kakhulu kungaba yinhlekelele. Amabhange aphakathi zibekele umgomo onempilo wezinga lokwehla kwamandla emali lonyaka lika-2%. 

Umqedazwe we-COVID-19 udale isimo esihluke ngendlela emangalisayo, esimise isiphepho esihle kakhulu. Umnotho ngokusobala wancipha ngesikhathi ubhubhane luqala, kodwa amabhange amakhulu kanye nohulumeni bawugqugquzela ngokufaka izigidigidi zamadola ohlelweni. Ukuvalwa kwezindawo kusho ukunciphisa ukusetshenziswa kwemali, awekho amaholide, awekho ukudla okumnandi, awekho amaphathi, futhi akukho busuku bangoLwesihlanu endaweni yokucima ukoma. Lokhu kuye kwadala isidingo esingapheli sezengqondo kulo nyaka odlule. Wonke umuntu ufisa ukubuyela esimeni esijwayelekile futhi ukuhlonyiswa ngamasheke akhe okuvuselela kudala indlela yokubhekana nenhlekelele yokwehla kwamandla emali.

Izigidigidi zamaRandi seziqala ukusetshenziswa ngabathengi njengoba umnotho uvulwa kabusha, isidingo esikhulayo silingana namanani aphezulu, amanani aphezulu alingana nokwehla kwamandla emali.

Ukwesabela ukwehla kwamandla emali kwabanye abatshalizimali sekunesikhathi eside besatshalaliswa imali njengegolide, isiliva, namafutha njengesitolo senani. Cryptocurrency iphinde yaqhuma kulo nyaka abaningi bekholelwa ukuthi iwuthango olungcono kakhulu lokulwa nokwehla kwamandla emali ngemali eba buthaka (i-US Dollar, i-Euro, iPondo yaseBrithani, njll.). 

Isixazululo esivela kumabhange amakhulu kungase kube ukunyusa izilinganiso zenzalo njengoba lokho kukhuthaza ukonga esikhundleni salokho, kodwa ingozi yalokho ibambezela umnotho osanda kuvulwa kabusha. Amabhizinisi adinga ukuboleka imali eshibhile njengamanje ukuze abuyele ezimeni zawo, inzalo ephezulu ingaba yingozi kulokho. 

Yisikhathi esikhathazayo kubathengi, abonga, nabatshalizimali ngokufanayo. Iseluleko esihle kakhulu njalo uwukutshala imali yakho eyengeziwe ezimpahleni eziningi ezihlukahlukene ukuze uzivikele ekwenyukeni kwamandla emali. Ukwehla kwamandla emali kuyeza, kuqinisekisiwe.

Ungayigcini yonke imali yakho ebhange noma ungase uthole obekungakuthenga i-Ferrari manje sekuzokuthola kuphela isikuta esisetshenziswayo esinamabala asolisayo ku-upholstery. 

Sidinga usizo LAKHO! Sikulethela izindaba ezingahloliwe ze MAHHALA, kodwa lokhu singakwenza kuphela ngenxa yokusekelwa ngabafundi abathembekile njengalokhu WENA! Uma ukholelwa enkulumweni yamahhala futhi ujabulele izindaba zangempela, sicela ucabangele ukusekela umgomo wethu ngokuthi ekubeni umlandeli noma ngokwenza a umnikelo owodwa lapha. I-20% ye KONKE izimali zinikelwa kumakadebona!

Lesi sihloko singenzeka ngenxa yethu kuphela abaxhasi nabaxhasi!

emuva ezindabeni zezezimali

13 Agasti 2021 | Ngu Richard Ahern - Emzamweni oyinqaba wokulwa nokwehla kwamandla emali kanye nokukhuphuka kwentengo yegesi, abaphathi be-Biden bacele i-OPEC nabalingani bayo ukuthi bakhuphule ukukhiqizwa kukawoyela. 

The Indlu Emhlophe uthe isivumelwano sikaJulayi sokwandisa ukukhiqizwa kwemiphongolo engu-400,000 ngosuku “asimanele.”

Ijubane lase-US ukwehla kwamandla emali aqondene ise- Iminyaka engu-13 ephezulu, ngenxa yezingqinamba zokuthengwa kwempahla kanye nesidingo esikhulayo.

Akumangalisi…

Ukusetshenziswa kwemali kukaBiden kuholele ekutheni isikweletu sikahulumeni wesifundazwe manje njengoba inkulu kunomnotho wonke waseMelika! Njengoba imali ihlunga iye kubathengi, lokhu kuholela ekwenyukeni okuqhubekayo kwesidingo esibeka ingcindezi ephezulu emananini. 

I-petroli, eyenziwe kusukela amafutha angcolile, ingenye yezimpahla ezishayeke kakhulu ngenxa yokwehla kwamandla emali. Intengo kaphethiloli yaseMelika inyukile kulo nyaka ibeka ingcindezi enkulu yezezimali emindenini yaseMelika. 

Nge zezimali umonakalo osuvele wenzekile, I-Biden icela i-OPEC ukuthi yenyuse ukuhlinzekwa kukawoyela wangaphandle emzamweni oyinqaba wokunqanda ukwehla kwamandla emali kaphethiloli. 

Okuxakayo wukuthi kusukela ngosuku lokuqala I-Biden ukuphathwa kuye kwagxilisa imboni kawoyela yaseMelika njengengxenye yabo amandla ahlanzekile i-ajenda. Nokho, ngemva kokucekela phansi imboni kawoyela yasekhaya kanye nemisebenzi eminingi yaseMelika eza nayo, manje sebebiza abakhiqizi bakawoyela bakwamanye amazwe ukuba bonge usuku. 

Nangu umkhabi:

Okuhle kakhulu ukuthi lokhu bekungagwenywa indlela yokusetshenziswa kwemali kahulumeni eqinile. Kunalokho, Izidemokhrasi faka izigidigidi zamadola emnothweni ngaphandle kokunaka imiphumela.

Emzamweni okhubazekile wokuhlehlisa owabo umonakalo, amaDemocrats manje abuyisele iMelika emuva ekuncikeni kuwoyela wangaphandle futhi ngokuxakayo abhubhise eyawo 'amandla aluhlaza' i-ajenda. 

Ukwenyuka kokutholakala kukawoyela kungase kumise intengo yegesi okwesikhashana, kodwa ukwehla kwamandla emali aqondene izoqhubeka uma uhulumeni wobumbano eqhubeka nokusebenzisa imali budedengu. 

Indida yalo bekungaba inhlekisa uma ingabhubhisi abantu baseMelika abasebenza kanzima. 

Sidinga usizo LAKHO! Sikulethela izindaba ezingahloliwe ze MAHHALA, kodwa lokhu singakwenza kuphela ngenxa yokusekelwa ngabafundi abathembekile njengalokhu WENA! Uma ukholelwa enkulumweni yamahhala futhi ujabulele izindaba zangempela, sicela ucabangele ukusekela umgomo wethu ngokuthi ekubeni umlandeli noma ngokwenza a umnikelo owodwa lapha. I-20% ye KONKE izimali zinikelwa kumakadebona!

Lesi sihloko singenzeka ngenxa yethu kuphela abaxhasi nabaxhasi!

emuva ezindabeni zezezimali

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