Jan 9 • Ndemanga za Msika • 10954 Views • 10 Comments pa Achifalansa Akusunga Ma Euro, Pomwe Britons Amakhulupirirabe Pension System, Zikhulupiriro Zonse Ndi Zolakwika.
Ngakhale chisokonezo cha Eurozone a French akuwonetsa chidaliro chodabwitsa m'dongosolo, mabanki awo ndi ndalama zathu, zomenyedwa komanso zovulazidwa. Ndi imodzi mwangongole zotsika kwambiri mu Eurozone, mwina chifukwa cha a French omwe sanapitirire kubwereketsa ngongole yanyumba yomwe Brits adakhala nayo mzaka khumi zapitazi, aku France akukhutira ndikupewa matiresi ngati populumukira. amawona mabanki awo ngati malo otetezeka. Kulumikizana pakati pa French ndi anzawo aku UK sikungakhale kokulirapo. Pamiyezo yomaliza opulumutsa ku UK adayika pambali 5.4% yokha ya ndalama zomwe amapeza posunga kapena kubweza ngongole, 17% ndiyofanana ndi Chifalansa.
Opulumutsa ku France akusunga ndalama zawo zotsalira pamlingo wachangu kwambiri pafupifupi zaka 30. France ili m'gulu la mayiko otukuka kwambiri m'maiko otukuka ndipo chiwopsezo cha vuto la ngongole ku Europe kufalikira ku France kwakhala ndi osunga ndalama omwe akuthamangira chitetezo chamabanki. Chuma cha France chimadalira kwambiri zofuna za ogula kuti zithandizire kukula kwake kuposa Germany yomwe imadalira zogulitsa kunja kuti ikule. Chifukwa cha kusowa kwa ntchito kwazaka 12, mabanja aku France akukonzekera zoyipa kwambiri. Ndalama zomwe zasungidwa m'nyumba zidakwera panthawi yamavuto azachuma a 2008-09 ndipo pakali pano zikuyenda pafupifupi 17 peresenti, kuchuluka kwambiri kuyambira koyambirira kwa 1983, malinga ndi Thomson Reuters Datastream.
Kugwiritsa ntchito ndalama kwa ogula kwatsika mu Novembala pamlingo wothamanga kwambiri wa miyezi 12 kuyambira February 2009, zomwe zidawonetsa vuto lazachuma la 2008-2009. Pokhala ndi ngongole zapakhomo pakati pa anthu otsika kwambiri ku Europe pali mwayi woti osunga ndalama aku France achepetse ndalama zomwe asunga kuchokera kuzomwe zikuchitika. Mabanki aku France apeza mwayi wopeza ndalama zambiri zomwe mabanki aku France apeza chifukwa kuchuluka kwa ndalama zomwe zimathandizira kuti azitha kupeza ndalama kudzera m'misika yamabanki apakati pomwe zikuthandizira kukwaniritsa zomwe zasinthidwa komanso zomwe zikubwera ku Basel III.
Ndi kulowa kwa madipoziti kuthandiza kuchepetsa kudalira mabanki aku France pa misika ndi ECB, akutsatsa mwaukali maakaunti osungitsa misonkho komanso okhometsa msonkho, Mlingo wa kukula kwa ma depositi muakaunti yosungira ya Livret A, yomwe ilibe msonkho ndipo ili ndi boma- chiwongola dzanja chowongolera cha 2.25 peresenti, chidakwera mu Seputembala mpaka 11 peresenti pa miyezi 12, malinga ndi data ya Bank of France. Ngakhale izi ndi pafupifupi kuwirikiza kawiri kuchuluka kwa avareji ya zaka 6 zapitazi, ndizokulirapo kwambiri ndi 10 peresenti yomwe idawonedwa mu Marichi 30, m'masiku ovuta kwambiri avuto lazachuma la 2009-2008.
A British
Zovuta za opulumutsa ku UK ndizosiyana kwambiri, kuyambira kumapeto kwa zaka makumi asanu ndi anayi mpaka 2008 ndalama zonse zomwe UK idapulumutsa zidatsika kwambiri. Zinafika pamalo otsika kwambiri m'miyezi itatu yoyamba ya 2008, pamene kwa nthawi yoyamba kuchokera ku 1955 Ofesi ya National Statistics (ONS) inanena kuti chiwerengero cha ndalama chikusowa; monga dziko UK idawononga ndalama zochulukirapo kuposa ndalama zomwe zingapezeke kotalali. Komabe, ngati ndalama za penshoni za abwana sizikuphatikizidwa, UK idakhalabe ndi chiwongola dzanja choyipa kuyambira 2003.
Avereji ya ndalama zosungira zaka 30 izi zisanachitike zinali pafupifupi 9%. Malinga ndi Banki Yadziko Lonse, UK ili ndi gawo lachisanu lotsika kwambiri la ndalama zonse zomwe zasungidwa monga gawo la Gross Domestic Product (GDP) ku Europe. Ndi ndalama zonse zomwe zasungidwa pa 12% ya GDP UK ili patsogolo pa Iceland pa 11%, Portugal pa 10%, Ireland pa 9% ndi Greece pa 3%. Ngakhale Spain pa 20% ndi Italy pa 16% ali patsogolo UK. Mndandandawu uli pamwamba pa Norway ndi Switzerland omwe onse ali ndi 32%.
Chiŵerengero cha ndalama zapakhomo, kuchuluka kwa ndalama zomwe anthu amasunga kapena kugwiritsa ntchito pobweza ngongole, pa Q4 2010 chinali 5.4%. Kuti timvetse zimenezi, chiŵerengero cha ndalama zimene anthu asunga m’zaka khumi zapitazi ndi 4.3 peresenti, yerekezerani zimenezi ndi zaka za m’ma 90, zimene zinali pafupifupi 9.2%, ndi za 80 zimene zinali pafupifupi 8.7%. Dziko la UK lakhala ndi limodzi mwazinthu zotsika kwambiri zosunga ndalama ku Europe ndipo anthu ake chifukwa chodalira penshoni akuwoneka osokonekera kwambiri chifukwa opitilira theka la akuluakulu aku UK sakusunga ndalama zokwanira kuti akapume pantchito. Ndi 51% yokha ya ogwira ntchito ku Britain omwe amasunga ndalama zokwanira ku ukalamba, malinga ndi lipoti lomaliza la penshoni la Amakazi aku Scottish.
Anthu amafuna, pa avareji, ndalama zopuma pantchito za £24,300 kuti azikhala momasuka, kutsika kuchokera pamtengo wamtengo wapatali wa £27,900. Komabe, kuti apeze ndalama zopuma pantchito za circa £25,000 pachaka opuma pantchito adzafunika poto yapenshoni ya circa £400,000 kuchulukitsa kanayi kuposa mphika waposachedwa wa penshoni womwe uli pafupifupi £92,000 ndikutsika mwachangu.
Tom McPhail, katswiri wa penshoni ndi mlangizi wodziyimira pawokha wazachuma Hargreaves Lansdown adati malinga ndi ziwerengero za Office for National Statistics, ndalama zambiri zapenshoni za anthu opuma azaka zapakati pa 50 mpaka 64 chaka chatha zinali $91,900, zokwanira kutulutsa ndalama zapachaka pafupifupi £. 3,500 mpaka £4,000.
Kuti mupeze ndalama zokwana £24,000, mungafunike mphika wapenshoni wa £400,000 pomwe penshoni ya boma ikaganiziridwa. Anthu masiku ano amayang’anizana ndi kusankha kophweka: kusunga ndalama zambiri, kupuma pantchito pambuyo pake, kapena kukhala ndi moyo wocheperapo akapuma pantchito.
Koma pali chisankho chachitatu chomwe alangizi a penshoni aku UK amapewa dala ndipo a French ali pakati pa kumvetsetsa, kuyika ndalama mu ndalama.
Ziwerengero zimayika kutayika kwa mphamvu zogulira za sterling pafupifupi 20- 25% pazaka zisanu zapitazi, motero mphika wapenshoni wokwana £92,000 ukhoza kukhala wocheperako poyerekeza ndi dengu landalama zogwirizana monga; yen, euro, franc, dollar, yuan, Aussie ndi Kiwi.
Kukwera kwamitengo ya ogula m'dera lanu sikuwonetsa kutayika kwa mphamvu zogulira ndalama. Tangoganizirani kusunga ndalama mu British Pounds mu 2007. Zaka zitatu pambuyo pake, mapaundi omwewo akanataya pafupifupi 25% pamtengo poyerekeza ndi ndalama zina zazikulu, monga US Dollar, Euro ndi Swiss Franc, ndi zina zambiri. Mtengo wandalama womwewo wa 2007 ukadagula 33% "zinthu" zambiri, ngati atasunga ndalama ku Swiss Francs m'malo mwa Mapaundi aku Britain. Poyerekeza ndi anthu omwe anali ndi ndalama mu ndalama zina 25% ya mphamvu zogulira idzatayika pogwira Mapaundi aku Britain. Ngati wosunga ndalama atataya 25% yamtengo wake pamsika amamva kuti watsika pang'ono, komabe zinthu zomwezi zikachitika pakusunga, anthu amawoneka kuti sakunyalanyaza, bola ngati ili nambala yofananira kapena yapamwamba yomwe ikuwonetsa. pa bank statement yawo.
Palibe chinthu chotchedwa "mtheradi wamtengo wapatali", pali katundu wochuluka komanso wocheperapo.
Ambiri aife tapusitsidwa poganiza kuti chuma chathu ndi mphamvu zathu zogulira ndizofanana ndi ndalama zomwe timapeza m'mawu odziwika bwino, kuchepetsa mtengo wa ogula pachaka. Izi sizowona momveka bwino: bwanji ngati mukufuna kugulira banja lanu nyumba mitengo yanyumba ndi renti zakwera 50% mzaka zitatu? Bwanji ngati mukufuna kusamukira kudziko lina ndipo mwadzidzidzi munapeza kuti nyumba yanu yatsopano ndi yokwera mtengo kwambiri kuposa momwe munayendera nthawi yomaliza chifukwa mphamvu yanu yogula idatsika chifukwa cha kusintha kwa ndalama?
Sindili pabizinesi yopereka upangiri wazachuma, ndalama sizikhala (monga momwe amachitira Afalansa) zotetezeka, komanso si gulu lazachuma lomwe limakhala lotetezeka kusungitsa ndalama zanu nthawi zonse. Chitetezo chanthawi yayitali chomwe muli nacho poteteza ukonde wanu ndikudziwa momwe mungadziwire ngati mitundu yosiyanasiyana ya katundu, makamaka ndalama, ikukwera kapena kutsika mtengo. Kusunga ndalama mwachimbulimbuli muakaunti yanu yosungira ndi njira yabwino yodziyika nokha pachiwopsezo chololeza kuchuluka kwa nthawi komanso zomwe boma likunena kuti "msonkho wa inflation" kukuwonongerani umphawi osazindikira zomwe zakukhudzani.
britainyuroFrance
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Achifalansa Akusunga Ma Euro, Pomwe Britons Akukhulupirirabe M'ndondomeko Yawo Ya penshoni, Zikhulupiriro Zonsezi Ndizolakwika
Jan 9 • Ndemanga za Msika • 10954 Views • 10 Comments pa Achifalansa Akusunga Ma Euro, Pomwe Britons Amakhulupirirabe Pension System, Zikhulupiriro Zonse Ndi Zolakwika.
Ngakhale chisokonezo cha Eurozone a French akuwonetsa chidaliro chodabwitsa m'dongosolo, mabanki awo ndi ndalama zathu, zomenyedwa komanso zovulazidwa. Ndi imodzi mwangongole zotsika kwambiri mu Eurozone, mwina chifukwa cha a French omwe sanapitirire kubwereketsa ngongole yanyumba yomwe Brits adakhala nayo mzaka khumi zapitazi, aku France akukhutira ndikupewa matiresi ngati populumukira. amawona mabanki awo ngati malo otetezeka. Kulumikizana pakati pa French ndi anzawo aku UK sikungakhale kokulirapo. Pamiyezo yomaliza opulumutsa ku UK adayika pambali 5.4% yokha ya ndalama zomwe amapeza posunga kapena kubweza ngongole, 17% ndiyofanana ndi Chifalansa.
Opulumutsa ku France akusunga ndalama zawo zotsalira pamlingo wachangu kwambiri pafupifupi zaka 30. France ili m'gulu la mayiko otukuka kwambiri m'maiko otukuka ndipo chiwopsezo cha vuto la ngongole ku Europe kufalikira ku France kwakhala ndi osunga ndalama omwe akuthamangira chitetezo chamabanki. Chuma cha France chimadalira kwambiri zofuna za ogula kuti zithandizire kukula kwake kuposa Germany yomwe imadalira zogulitsa kunja kuti ikule. Chifukwa cha kusowa kwa ntchito kwazaka 12, mabanja aku France akukonzekera zoyipa kwambiri. Ndalama zomwe zasungidwa m'nyumba zidakwera panthawi yamavuto azachuma a 2008-09 ndipo pakali pano zikuyenda pafupifupi 17 peresenti, kuchuluka kwambiri kuyambira koyambirira kwa 1983, malinga ndi Thomson Reuters Datastream.
Kugwiritsa ntchito ndalama kwa ogula kwatsika mu Novembala pamlingo wothamanga kwambiri wa miyezi 12 kuyambira February 2009, zomwe zidawonetsa vuto lazachuma la 2008-2009. Pokhala ndi ngongole zapakhomo pakati pa anthu otsika kwambiri ku Europe pali mwayi woti osunga ndalama aku France achepetse ndalama zomwe asunga kuchokera kuzomwe zikuchitika. Mabanki aku France apeza mwayi wopeza ndalama zambiri zomwe mabanki aku France apeza chifukwa kuchuluka kwa ndalama zomwe zimathandizira kuti azitha kupeza ndalama kudzera m'misika yamabanki apakati pomwe zikuthandizira kukwaniritsa zomwe zasinthidwa komanso zomwe zikubwera ku Basel III.
Ndi kulowa kwa madipoziti kuthandiza kuchepetsa kudalira mabanki aku France pa misika ndi ECB, akutsatsa mwaukali maakaunti osungitsa misonkho komanso okhometsa msonkho, Mlingo wa kukula kwa ma depositi muakaunti yosungira ya Livret A, yomwe ilibe msonkho ndipo ili ndi boma- chiwongola dzanja chowongolera cha 2.25 peresenti, chidakwera mu Seputembala mpaka 11 peresenti pa miyezi 12, malinga ndi data ya Bank of France. Ngakhale izi ndi pafupifupi kuwirikiza kawiri kuchuluka kwa avareji ya zaka 6 zapitazi, ndizokulirapo kwambiri ndi 10 peresenti yomwe idawonedwa mu Marichi 30, m'masiku ovuta kwambiri avuto lazachuma la 2009-2008.
A British
Zovuta za opulumutsa ku UK ndizosiyana kwambiri, kuyambira kumapeto kwa zaka makumi asanu ndi anayi mpaka 2008 ndalama zonse zomwe UK idapulumutsa zidatsika kwambiri. Zinafika pamalo otsika kwambiri m'miyezi itatu yoyamba ya 2008, pamene kwa nthawi yoyamba kuchokera ku 1955 Ofesi ya National Statistics (ONS) inanena kuti chiwerengero cha ndalama chikusowa; monga dziko UK idawononga ndalama zochulukirapo kuposa ndalama zomwe zingapezeke kotalali. Komabe, ngati ndalama za penshoni za abwana sizikuphatikizidwa, UK idakhalabe ndi chiwongola dzanja choyipa kuyambira 2003.
Avereji ya ndalama zosungira zaka 30 izi zisanachitike zinali pafupifupi 9%. Malinga ndi Banki Yadziko Lonse, UK ili ndi gawo lachisanu lotsika kwambiri la ndalama zonse zomwe zasungidwa monga gawo la Gross Domestic Product (GDP) ku Europe. Ndi ndalama zonse zomwe zasungidwa pa 12% ya GDP UK ili patsogolo pa Iceland pa 11%, Portugal pa 10%, Ireland pa 9% ndi Greece pa 3%. Ngakhale Spain pa 20% ndi Italy pa 16% ali patsogolo UK. Mndandandawu uli pamwamba pa Norway ndi Switzerland omwe onse ali ndi 32%.
Chiŵerengero cha ndalama zapakhomo, kuchuluka kwa ndalama zomwe anthu amasunga kapena kugwiritsa ntchito pobweza ngongole, pa Q4 2010 chinali 5.4%. Kuti timvetse zimenezi, chiŵerengero cha ndalama zimene anthu asunga m’zaka khumi zapitazi ndi 4.3 peresenti, yerekezerani zimenezi ndi zaka za m’ma 90, zimene zinali pafupifupi 9.2%, ndi za 80 zimene zinali pafupifupi 8.7%. Dziko la UK lakhala ndi limodzi mwazinthu zotsika kwambiri zosunga ndalama ku Europe ndipo anthu ake chifukwa chodalira penshoni akuwoneka osokonekera kwambiri chifukwa opitilira theka la akuluakulu aku UK sakusunga ndalama zokwanira kuti akapume pantchito. Ndi 51% yokha ya ogwira ntchito ku Britain omwe amasunga ndalama zokwanira ku ukalamba, malinga ndi lipoti lomaliza la penshoni la Amakazi aku Scottish.
Anthu amafuna, pa avareji, ndalama zopuma pantchito za £24,300 kuti azikhala momasuka, kutsika kuchokera pamtengo wamtengo wapatali wa £27,900. Komabe, kuti apeze ndalama zopuma pantchito za circa £25,000 pachaka opuma pantchito adzafunika poto yapenshoni ya circa £400,000 kuchulukitsa kanayi kuposa mphika waposachedwa wa penshoni womwe uli pafupifupi £92,000 ndikutsika mwachangu.
Tom McPhail, katswiri wa penshoni ndi mlangizi wodziyimira pawokha wazachuma Hargreaves Lansdown adati malinga ndi ziwerengero za Office for National Statistics, ndalama zambiri zapenshoni za anthu opuma azaka zapakati pa 50 mpaka 64 chaka chatha zinali $91,900, zokwanira kutulutsa ndalama zapachaka pafupifupi £. 3,500 mpaka £4,000.
Kuti mupeze ndalama zokwana £24,000, mungafunike mphika wapenshoni wa £400,000 pomwe penshoni ya boma ikaganiziridwa. Anthu masiku ano amayang’anizana ndi kusankha kophweka: kusunga ndalama zambiri, kupuma pantchito pambuyo pake, kapena kukhala ndi moyo wocheperapo akapuma pantchito.
Koma pali chisankho chachitatu chomwe alangizi a penshoni aku UK amapewa dala ndipo a French ali pakati pa kumvetsetsa, kuyika ndalama mu ndalama.
Ziwerengero zimayika kutayika kwa mphamvu zogulira za sterling pafupifupi 20- 25% pazaka zisanu zapitazi, motero mphika wapenshoni wokwana £92,000 ukhoza kukhala wocheperako poyerekeza ndi dengu landalama zogwirizana monga; yen, euro, franc, dollar, yuan, Aussie ndi Kiwi.
Kukwera kwamitengo ya ogula m'dera lanu sikuwonetsa kutayika kwa mphamvu zogulira ndalama. Tangoganizirani kusunga ndalama mu British Pounds mu 2007. Zaka zitatu pambuyo pake, mapaundi omwewo akanataya pafupifupi 25% pamtengo poyerekeza ndi ndalama zina zazikulu, monga US Dollar, Euro ndi Swiss Franc, ndi zina zambiri. Mtengo wandalama womwewo wa 2007 ukadagula 33% "zinthu" zambiri, ngati atasunga ndalama ku Swiss Francs m'malo mwa Mapaundi aku Britain. Poyerekeza ndi anthu omwe anali ndi ndalama mu ndalama zina 25% ya mphamvu zogulira idzatayika pogwira Mapaundi aku Britain. Ngati wosunga ndalama atataya 25% yamtengo wake pamsika amamva kuti watsika pang'ono, komabe zinthu zomwezi zikachitika pakusunga, anthu amawoneka kuti sakunyalanyaza, bola ngati ili nambala yofananira kapena yapamwamba yomwe ikuwonetsa. pa bank statement yawo.
Palibe chinthu chotchedwa "mtheradi wamtengo wapatali", pali katundu wochuluka komanso wocheperapo.
Ambiri aife tapusitsidwa poganiza kuti chuma chathu ndi mphamvu zathu zogulira ndizofanana ndi ndalama zomwe timapeza m'mawu odziwika bwino, kuchepetsa mtengo wa ogula pachaka. Izi sizowona momveka bwino: bwanji ngati mukufuna kugulira banja lanu nyumba mitengo yanyumba ndi renti zakwera 50% mzaka zitatu? Bwanji ngati mukufuna kusamukira kudziko lina ndipo mwadzidzidzi munapeza kuti nyumba yanu yatsopano ndi yokwera mtengo kwambiri kuposa momwe munayendera nthawi yomaliza chifukwa mphamvu yanu yogula idatsika chifukwa cha kusintha kwa ndalama?
Sindili pabizinesi yopereka upangiri wazachuma, ndalama sizikhala (monga momwe amachitira Afalansa) zotetezeka, komanso si gulu lazachuma lomwe limakhala lotetezeka kusungitsa ndalama zanu nthawi zonse. Chitetezo chanthawi yayitali chomwe muli nacho poteteza ukonde wanu ndikudziwa momwe mungadziwire ngati mitundu yosiyanasiyana ya katundu, makamaka ndalama, ikukwera kapena kutsika mtengo. Kusunga ndalama mwachimbulimbuli muakaunti yanu yosungira ndi njira yabwino yodziyika nokha pachiwopsezo chololeza kuchuluka kwa nthawi komanso zomwe boma likunena kuti "msonkho wa inflation" kukuwonongerani umphawi osazindikira zomwe zakukhudzani.
britainyuroFrance
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