UJan 9 • Amagqabantshintshi eMarike • 10971 izimvo • 10 Comments AmaFrentshi agcina ii-Euro, ngelixa amaBritane asakholelwa kwiNkqubo yawo yomhlalaphantsi, zombini iinkolelo azilunganga.
Ngaphandle kwe-eurozone debacle amaFrentshi abonisa ukuthembela okumangalisayo kwinkqubo, iibhanki zabo kunye ne-Beleaguered, ibethwe kwaye igruzukile Imali enye. Ngomnye welona nqanaba lisezantsi lamatyala omntu kwi-Eurozone, ngokuyinxenye ngenxa yokuba amaFrentshi angaziniki ngaphezulu kwetyala lemali ebolekwayo iBrits eqhube ngalo kule minyaka ilishumi idlulileyo, amaFrentshi anelisekile kukunqanda oomatrasi njengendawo yokugcina indawo yokuhlala. bajonge iibhanki zabo njengeendawo ezikhuselekileyo. Ukudityaniswa phakathi kwamaFrentshi kunye nabalingane babo base-UK akunakuze kube nzima. Kwimilinganiselo yokugqibela abagcini bogcino base-UK babeke ecaleni kuphela i-5.4% yengeniso enokulahlwa ukuze balondoloze okanye babuyisele iimali-mboleko, i-17% ilingana nesiFrentshi.
Abagcini bogcino baseFransi bagcina imali yabo esecaleni ngeyona ndlela ikhawulezayo phantse kwiminyaka engama-30. I-France lelinye lawona mazwe anobutyebi kwihlabathi eliphuhlileyo kwaye isoyikiso sengxaki yamatyala aseYurophu enwenwela eFrance iye yanabagcini ababalekela ukhuseleko olucingelwayo lweeakhawunti zebhanki. Uqoqosho lwaseFransi luxhomekeke kakhulu kwimfuno yabathengi ukuze luxhase ukukhula kwalo kuneJamani exhomekeke kwimpahla ethunyelwa ngaphandle ukuze ikhule. Ngamabango entswela-ngqesho kwindawo ephezulu ye-12 leminyaka, amakhaya aseFransi alungiselela eyona nto imbi. Izinga lokonga imali yendlu yanyuka ngexesha lentlekele yezemali ka-2008-09 kwaye ngoku iqhuba malunga neepesenti ezili-17, elona nqanaba liphezulu ukusukela ekuqaleni kuka-1983, ngokutsho kweThomson Reuters Datastream.
Inkcitho yabathengi iwile ngoNovemba ngesantya esikhawulezayo seenyanga ezili-12 ukusukela ngoFebruwari 2009, ephawule umkhombe wengxaki yezemali ka-2008-2009. Ngamatyala asekhaya phakathi kwawona aphantsi eYurophu kukho indawo yokuba abongi baseFransi banciphise ukonga kwabo kuphezulu ngoku. Izinga eliphezulu lokonga libonakala liluncedo kwiibhanki zaseFransi njengoko idipozithi eyongezelelekileyo inceda ukuthomalalisa uxinzelelo lokuzixhasa ngokwazo ngeemalike ze-interbank ngelixa inceda ukuhlangabezana nomlinganiselo ohlaziyiweyo nozayo we-Basel III wokwanela kwenkunzi.
Ngokungena kwediphozithi kunceda ekunciphiseni ukuthembela kweebhanki zaseFransi kwiimarike kunye ne-ECB, zithengisa ngokungqongqo irhafu-akhawunti yokulondoloza irhafu kunye nerhafu, Izinga lokukhula kweediphozithi kwi-akhawunti yokonga ye-Livret A, engahlawuli rhafu kwaye ibe ne-state- ilawulwa izinga lenzala ye-2.25 ekhulwini, isantya ngoSeptemba ukuya kwi-11 ekhulwini ngaphezu kweenyanga ze-12, ngokutsho kwedatha yeBhanki yaseFransi. Ngelixa oko kuphantse ukuphinda kabini umyinge wepesenti ezi-6 zomndilili weminyaka eli-10 edlulileyo, kukude lee kuma-30 eepesenti abonwe ngoMatshi ka-2009, ngezona ntsuku zimnyama zobunzima bemali ka-2008-09.
AmaNgesi
Ingxaki yabalondolozi base-UK yahluke kakhulu, ukusuka ekupheleni kweminyaka yamashumi alithoba ukuya kutsho ngo-2008 isixa sisonke se-UK siye sehla kakhulu. Ifikelele kwelona nqanaba lisezantsi kwiinyanga ezintathu zokuqala zika-2008, xa ngokokuqala ngqa ukusukela ngo-1955 iOfisi yeNkcazo-manani yeSizwe (i-ONS) yabika umlinganiselo ombi wokonga; njengelizwe i-UK ichithe ngaphezulu komvuzo wayo olahlwayo kuloo kota. Nangona kunjalo, ukuba iminikelo yomhlalaphantsi yomqeshi ayiqukwanga, i-UK igcine umlinganiselo ombi wokonga ukusukela ngo-2003.
Umyinge wokonga imali kwiminyaka engama-30 phambi koku wawumalunga ne-9%. NgokweBhanki yeHlabathi i-UK inenqanaba lesihlanu eliphantsi logcino olupheleleyo njengepesenti yeGross Domestic Product (GDP) eYurophu. Ngolondolozo olupheleleyo kwi-12% ye-GDP yase-UK kuphela ngaphambi kwe-Iceland kwi-11%, iPortugal kwi-10%, i-Ireland kwi-9% kunye neGrisi kwi-3%. Nditsho iSpain kwi-20% kunye ne-Italiya kwi-16% iphambi kwe-UK. Uluhlu luphezulu yiNorway kunye neSwitzerland zombini zine-32%.
Umlinganiselo wokongiwa kwekhaya, ipesenti yengeniso echithwayo abantu abayigcinayo okanye abayisebenzisela ukubuyisela iimali-mboleko, kwi-Q4 ka-2010 ibe yi-5.4%. Ukubeka oku ngokwembono i-avareji yogcino lwe-avareji yeshumi leminyaka edlulileyo yi-4.3%, thelekisa oku kunye ne-90's, ekwi-avareji ye-9.2%, kunye ne-80's ephakathi kwe-8.7%. I-UK iye yaba nelona nqanaba lisezantsi lokonga eYurophu kwaye abantu bayo ngokuxhomekeke kwipenshini babonakala belahlekisa kakhulu njengoko ngaphezulu kwesiqingatha sabantu abadala base-UK abagcini ngokwaneleyo ukulungiselela umhlala-phantsi. Kuphela yi-51% yabasebenzi baseBritane abongela ngokwaneleyo abantu abadala, ngokwengxelo yokugqibela yonyaka yabahlolokazi baseScotland.
Abantu bafuna, ngokomndilili, umvuzo wonyaka womhlalaphantsi we-£ 24,300 ukuze baphile kamnandi, ezantsi ukusuka kwinani langaphambi kokudodobala koqoqosho lwe-£ 27,900. Nangona kunjalo, ukuze ufumane ingeniso yomhlala-phantsi malunga ne-£25,000 ngonyaka abantu abadla umhlala-phantsi baya kufuna imbiza yepenshini emalunga ne-£400,000 ngaphezulu kokuphindwe kane kunomndilili wembiza yokonga yomhlalaphantsi ekwi-£92,000 kwaye iwa ngokukhawuleza.
UTom McPhail, ingcali yomhlalaphantsi kunye nomcebisi wezezimali ozimeleyo uHargreaves Lansdown uthe ngokweOfisi yamanani eNkcazo yeSizwe, umyinge wokonga imali yomhlalaphantsi yabantu abathatha umhlala-phantsi phakathi kweminyaka engama-50 ukuya kuma-64 kunyaka ophelileyo yayiyi-£91,900, eyaneleyo ukuvelisa ingeniso yonyaka malunga ne-£. 3,500 ukuya kwi-£4,000.
Ukuvelisa ingeniso emalunga ne-£24,000, uya kufuna imbiza yomhlalaphantsi emalunga ne-£400,000 xa ipension karhulumente ithathelwe ingqalelo. Abantu namhlanje bajongene nokhetho olulula kakhulu: ukonga imali eninzi, ukurhola umhlala-phantsi kamva, okanye ukuphila ngemali encinane xa udla umhlala-phantsi.
Kodwa kukho ukhetho lwesithathu abacebisi bomhlalaphantsi base-UK abaluphepha ngabom kwaye amaFrentshi aphakathi kwendlela yokuqonda, ukutyala imali kwiimali.
Uqikelelo lubeka ilahleko yamandla okuthenga e-sterling malunga nama-20- 25% kule minyaka mihlanu idlulileyo, ngoko ke loo mbiza yomndilili ye-£92,000 inokuba nexabiso elingaphantsi ngokuthelekiswa ngqo nebhaskithi yeemali ezinxibeleleneyo ezifana; yen, euro, franc, dollar, yuan, the Aussie and Kiwi.
Ukunyuka kwamaxabiso abathengi basekhaya akubonisi ilahleko yamandla okuthenga emali. Khawufane ucinge ukuba ugcina imali kwiiPonti zaseBritane ngo-2007. Kwiminyaka emithathu emva koko, ezo pounds zinye zaziya kulahlekelwa malunga ne-25% ngexabiso xa kuthelekiswa nezinye iimali ezinkulu, ezifana ne-US Dollar, i-Euro kunye ne-Swiss Franc, kwaye nangaphezulu kwezinye. Ixabiso lemali elifanayo le-2007 liza kuthenga i-33% ngaphezulu "izinto", ukuba ubambe ukugcinwa kwi-Swiss Francs endaweni ye-British Pounds. Xa kuthelekiswa nabantu ababambe ukonga kwezinye iimali i-25% yamandla okuthenga aya kulahleka ngokubamba iiPonti zaseBritane. Ukuba umlondolozi uphulukene ne-25% ye-net yexabiso lakhe kwi-stock market banokuziva bethotyiwe, kodwa xa kusenzeka into efanayo kulondolozo, abantu babonakala bengayikhathaleli loo nto, ukuba nje iyafana okanye inani eliphezulu legama elibonisayo. kwisiteyitimenti sabo sebhanki.
Akukho nto ifana "nexabiso elipheleleyo", kukho kuphela ii-asethi ezixabiswayo nezingaxabisekanga.
Uninzi lwethu lukhohliswe ekucingeni ukuba ubutyebi bethu kunye namandla ethu okuthenga ayafana nexabiso lethu eliseleyo ngokwemali yemali, kuncitshiswe ukutshintshwa kwexabiso lomthengi ngonyaka. Oku akuyonyani ngokucacileyo: kuthekani ukuba ubufuna ukuthengela usapho lwakho indlu emva kokuba amaxabiso endlu kunye nerenti enyuke nge-50% kwiminyaka emi-3? Kuthekani ukuba ufuna ukufudukela kwelinye ilizwe kwaye ngequbuliso wafumanisa ukuba ikhaya lakho elitsha libiza kakhulu kunokuba wawulixesha lokugqibela undwendwela ngenxa yokuba amandla akho okuthenga ayehlile ngenxa yotshintsho lwexabiso lotshintshiselwano?
Andikho kwishishini lokunikezela ngeengcebiso zotyalo-mali, imali ayi (njengoko amaFrentshi ekholelwa) ayikhuselekanga ngakumbi, kwaye ayilulo udidi lwe-asethi olukhuseleke ngakumbi ukubamba rhoqo kwimali yakho yasekhaya. Ukhuseleko lwexesha elide kuphela onalo ekukhuseleni ixabiso le-net yakho kukufunda indlela yokuchonga ukuba kwaye xa iintlobo ezahlukeneyo ze-asethi, ngakumbi iimali, zixatyiswa kakhulu okanye zingaxatyiswanga. Ukubamba imali ngokumfamekileyo kwi-akhawunti yakho yogcino yindlela entle yokuzibeka emngciphekweni wokuvumela ukuhamba kwexesha kunye nengxelo karhulumente “yerhafu yokunyuka kwamaxabiso” ukuba akuhlwempuzeke ngaphandle kokuba uqonde ukuba ubethwe yintoni.
britanieuroFransi
« Izizathu zokuba ube noMntu oNovuyo 1-2-3 Abakhokeli bexesha elizayo be-Forex bafaka iiBhendi zabo ngokuQikelela i-Euro ukuba ibe yi- $ 1.30 Ngu-2013 »
AmaFrentshi AyaGcina kwii-Euro, Ngelixa iBriton isakholelwa kwiNkqubo yabo yoMhlala-phantsi, zombini ezi nkolelo azilunganga.
UJan 9 • Amagqabantshintshi eMarike • 10971 izimvo • 10 Comments AmaFrentshi agcina ii-Euro, ngelixa amaBritane asakholelwa kwiNkqubo yawo yomhlalaphantsi, zombini iinkolelo azilunganga.
Ngaphandle kwe-eurozone debacle amaFrentshi abonisa ukuthembela okumangalisayo kwinkqubo, iibhanki zabo kunye ne-Beleaguered, ibethwe kwaye igruzukile Imali enye. Ngomnye welona nqanaba lisezantsi lamatyala omntu kwi-Eurozone, ngokuyinxenye ngenxa yokuba amaFrentshi angaziniki ngaphezulu kwetyala lemali ebolekwayo iBrits eqhube ngalo kule minyaka ilishumi idlulileyo, amaFrentshi anelisekile kukunqanda oomatrasi njengendawo yokugcina indawo yokuhlala. bajonge iibhanki zabo njengeendawo ezikhuselekileyo. Ukudityaniswa phakathi kwamaFrentshi kunye nabalingane babo base-UK akunakuze kube nzima. Kwimilinganiselo yokugqibela abagcini bogcino base-UK babeke ecaleni kuphela i-5.4% yengeniso enokulahlwa ukuze balondoloze okanye babuyisele iimali-mboleko, i-17% ilingana nesiFrentshi.
Abagcini bogcino baseFransi bagcina imali yabo esecaleni ngeyona ndlela ikhawulezayo phantse kwiminyaka engama-30. I-France lelinye lawona mazwe anobutyebi kwihlabathi eliphuhlileyo kwaye isoyikiso sengxaki yamatyala aseYurophu enwenwela eFrance iye yanabagcini ababalekela ukhuseleko olucingelwayo lweeakhawunti zebhanki. Uqoqosho lwaseFransi luxhomekeke kakhulu kwimfuno yabathengi ukuze luxhase ukukhula kwalo kuneJamani exhomekeke kwimpahla ethunyelwa ngaphandle ukuze ikhule. Ngamabango entswela-ngqesho kwindawo ephezulu ye-12 leminyaka, amakhaya aseFransi alungiselela eyona nto imbi. Izinga lokonga imali yendlu yanyuka ngexesha lentlekele yezemali ka-2008-09 kwaye ngoku iqhuba malunga neepesenti ezili-17, elona nqanaba liphezulu ukusukela ekuqaleni kuka-1983, ngokutsho kweThomson Reuters Datastream.
Inkcitho yabathengi iwile ngoNovemba ngesantya esikhawulezayo seenyanga ezili-12 ukusukela ngoFebruwari 2009, ephawule umkhombe wengxaki yezemali ka-2008-2009. Ngamatyala asekhaya phakathi kwawona aphantsi eYurophu kukho indawo yokuba abongi baseFransi banciphise ukonga kwabo kuphezulu ngoku. Izinga eliphezulu lokonga libonakala liluncedo kwiibhanki zaseFransi njengoko idipozithi eyongezelelekileyo inceda ukuthomalalisa uxinzelelo lokuzixhasa ngokwazo ngeemalike ze-interbank ngelixa inceda ukuhlangabezana nomlinganiselo ohlaziyiweyo nozayo we-Basel III wokwanela kwenkunzi.
Ngokungena kwediphozithi kunceda ekunciphiseni ukuthembela kweebhanki zaseFransi kwiimarike kunye ne-ECB, zithengisa ngokungqongqo irhafu-akhawunti yokulondoloza irhafu kunye nerhafu, Izinga lokukhula kweediphozithi kwi-akhawunti yokonga ye-Livret A, engahlawuli rhafu kwaye ibe ne-state- ilawulwa izinga lenzala ye-2.25 ekhulwini, isantya ngoSeptemba ukuya kwi-11 ekhulwini ngaphezu kweenyanga ze-12, ngokutsho kwedatha yeBhanki yaseFransi. Ngelixa oko kuphantse ukuphinda kabini umyinge wepesenti ezi-6 zomndilili weminyaka eli-10 edlulileyo, kukude lee kuma-30 eepesenti abonwe ngoMatshi ka-2009, ngezona ntsuku zimnyama zobunzima bemali ka-2008-09.
AmaNgesi
Ingxaki yabalondolozi base-UK yahluke kakhulu, ukusuka ekupheleni kweminyaka yamashumi alithoba ukuya kutsho ngo-2008 isixa sisonke se-UK siye sehla kakhulu. Ifikelele kwelona nqanaba lisezantsi kwiinyanga ezintathu zokuqala zika-2008, xa ngokokuqala ngqa ukusukela ngo-1955 iOfisi yeNkcazo-manani yeSizwe (i-ONS) yabika umlinganiselo ombi wokonga; njengelizwe i-UK ichithe ngaphezulu komvuzo wayo olahlwayo kuloo kota. Nangona kunjalo, ukuba iminikelo yomhlalaphantsi yomqeshi ayiqukwanga, i-UK igcine umlinganiselo ombi wokonga ukusukela ngo-2003.
Umyinge wokonga imali kwiminyaka engama-30 phambi koku wawumalunga ne-9%. NgokweBhanki yeHlabathi i-UK inenqanaba lesihlanu eliphantsi logcino olupheleleyo njengepesenti yeGross Domestic Product (GDP) eYurophu. Ngolondolozo olupheleleyo kwi-12% ye-GDP yase-UK kuphela ngaphambi kwe-Iceland kwi-11%, iPortugal kwi-10%, i-Ireland kwi-9% kunye neGrisi kwi-3%. Nditsho iSpain kwi-20% kunye ne-Italiya kwi-16% iphambi kwe-UK. Uluhlu luphezulu yiNorway kunye neSwitzerland zombini zine-32%.
Umlinganiselo wokongiwa kwekhaya, ipesenti yengeniso echithwayo abantu abayigcinayo okanye abayisebenzisela ukubuyisela iimali-mboleko, kwi-Q4 ka-2010 ibe yi-5.4%. Ukubeka oku ngokwembono i-avareji yogcino lwe-avareji yeshumi leminyaka edlulileyo yi-4.3%, thelekisa oku kunye ne-90's, ekwi-avareji ye-9.2%, kunye ne-80's ephakathi kwe-8.7%. I-UK iye yaba nelona nqanaba lisezantsi lokonga eYurophu kwaye abantu bayo ngokuxhomekeke kwipenshini babonakala belahlekisa kakhulu njengoko ngaphezulu kwesiqingatha sabantu abadala base-UK abagcini ngokwaneleyo ukulungiselela umhlala-phantsi. Kuphela yi-51% yabasebenzi baseBritane abongela ngokwaneleyo abantu abadala, ngokwengxelo yokugqibela yonyaka yabahlolokazi baseScotland.
Abantu bafuna, ngokomndilili, umvuzo wonyaka womhlalaphantsi we-£ 24,300 ukuze baphile kamnandi, ezantsi ukusuka kwinani langaphambi kokudodobala koqoqosho lwe-£ 27,900. Nangona kunjalo, ukuze ufumane ingeniso yomhlala-phantsi malunga ne-£25,000 ngonyaka abantu abadla umhlala-phantsi baya kufuna imbiza yepenshini emalunga ne-£400,000 ngaphezulu kokuphindwe kane kunomndilili wembiza yokonga yomhlalaphantsi ekwi-£92,000 kwaye iwa ngokukhawuleza.
UTom McPhail, ingcali yomhlalaphantsi kunye nomcebisi wezezimali ozimeleyo uHargreaves Lansdown uthe ngokweOfisi yamanani eNkcazo yeSizwe, umyinge wokonga imali yomhlalaphantsi yabantu abathatha umhlala-phantsi phakathi kweminyaka engama-50 ukuya kuma-64 kunyaka ophelileyo yayiyi-£91,900, eyaneleyo ukuvelisa ingeniso yonyaka malunga ne-£. 3,500 ukuya kwi-£4,000.
Ukuvelisa ingeniso emalunga ne-£24,000, uya kufuna imbiza yomhlalaphantsi emalunga ne-£400,000 xa ipension karhulumente ithathelwe ingqalelo. Abantu namhlanje bajongene nokhetho olulula kakhulu: ukonga imali eninzi, ukurhola umhlala-phantsi kamva, okanye ukuphila ngemali encinane xa udla umhlala-phantsi.
Kodwa kukho ukhetho lwesithathu abacebisi bomhlalaphantsi base-UK abaluphepha ngabom kwaye amaFrentshi aphakathi kwendlela yokuqonda, ukutyala imali kwiimali.
Uqikelelo lubeka ilahleko yamandla okuthenga e-sterling malunga nama-20- 25% kule minyaka mihlanu idlulileyo, ngoko ke loo mbiza yomndilili ye-£92,000 inokuba nexabiso elingaphantsi ngokuthelekiswa ngqo nebhaskithi yeemali ezinxibeleleneyo ezifana; yen, euro, franc, dollar, yuan, the Aussie and Kiwi.
Ukunyuka kwamaxabiso abathengi basekhaya akubonisi ilahleko yamandla okuthenga emali. Khawufane ucinge ukuba ugcina imali kwiiPonti zaseBritane ngo-2007. Kwiminyaka emithathu emva koko, ezo pounds zinye zaziya kulahlekelwa malunga ne-25% ngexabiso xa kuthelekiswa nezinye iimali ezinkulu, ezifana ne-US Dollar, i-Euro kunye ne-Swiss Franc, kwaye nangaphezulu kwezinye. Ixabiso lemali elifanayo le-2007 liza kuthenga i-33% ngaphezulu "izinto", ukuba ubambe ukugcinwa kwi-Swiss Francs endaweni ye-British Pounds. Xa kuthelekiswa nabantu ababambe ukonga kwezinye iimali i-25% yamandla okuthenga aya kulahleka ngokubamba iiPonti zaseBritane. Ukuba umlondolozi uphulukene ne-25% ye-net yexabiso lakhe kwi-stock market banokuziva bethotyiwe, kodwa xa kusenzeka into efanayo kulondolozo, abantu babonakala bengayikhathaleli loo nto, ukuba nje iyafana okanye inani eliphezulu legama elibonisayo. kwisiteyitimenti sabo sebhanki.
Akukho nto ifana "nexabiso elipheleleyo", kukho kuphela ii-asethi ezixabiswayo nezingaxabisekanga.
Uninzi lwethu lukhohliswe ekucingeni ukuba ubutyebi bethu kunye namandla ethu okuthenga ayafana nexabiso lethu eliseleyo ngokwemali yemali, kuncitshiswe ukutshintshwa kwexabiso lomthengi ngonyaka. Oku akuyonyani ngokucacileyo: kuthekani ukuba ubufuna ukuthengela usapho lwakho indlu emva kokuba amaxabiso endlu kunye nerenti enyuke nge-50% kwiminyaka emi-3? Kuthekani ukuba ufuna ukufudukela kwelinye ilizwe kwaye ngequbuliso wafumanisa ukuba ikhaya lakho elitsha libiza kakhulu kunokuba wawulixesha lokugqibela undwendwela ngenxa yokuba amandla akho okuthenga ayehlile ngenxa yotshintsho lwexabiso lotshintshiselwano?
Andikho kwishishini lokunikezela ngeengcebiso zotyalo-mali, imali ayi (njengoko amaFrentshi ekholelwa) ayikhuselekanga ngakumbi, kwaye ayilulo udidi lwe-asethi olukhuseleke ngakumbi ukubamba rhoqo kwimali yakho yasekhaya. Ukhuseleko lwexesha elide kuphela onalo ekukhuseleni ixabiso le-net yakho kukufunda indlela yokuchonga ukuba kwaye xa iintlobo ezahlukeneyo ze-asethi, ngakumbi iimali, zixatyiswa kakhulu okanye zingaxatyiswanga. Ukubamba imali ngokumfamekileyo kwi-akhawunti yakho yogcino yindlela entle yokuzibeka emngciphekweni wokuvumela ukuhamba kwexesha kunye nengxelo karhulumente “yerhafu yokunyuka kwamaxabiso” ukuba akuhlwempuzeke ngaphandle kokuba uqonde ukuba ubethwe yintoni.
britanieuroFransi
« Izizathu zokuba ube noMntu oNovuyo 1-2-3 Abakhokeli bexesha elizayo be-Forex bafaka iiBhendi zabo ngokuQikelela i-Euro ukuba ibe yi- $ 1.30 Ngu-2013 »