UNovemba 12 • Phakathi kwemigqa, Izihloko ezifakiwe • Ukubukwa okungu-16008 • Amazwana Off ku Ngabe ungaphila ngokuhweba nge-FX? Lapho iqiniso liluma futhi libuhlungu…
Kunezizathu eziningi zokuthi singene ekuhwebeni okudayisa futhi kukhona okungaguquki okuthile, okuqhubeka phakathi nenqubo yethu yokuthatha izinqumo ekugcineni kusiholele ekuhwebeni njengendlela yokuziphilisa noma into yokuzilibazisa. Mhlawumbe isizathu esikhulu esisenza singene kwezohwebo ukuze sizimele futhi ekugcineni sicebe futhi masikhulume iqiniso sonke sizitika ngemicabango yethu mayelana nengcebo futhi akukho lutho olungalungile ngalokho kuzitika… Bambalwa kakhulu kithi abahlangabezana nenguquko ephelele; ukuthola imboni, ukuhweba izimakethe isikhathi esithile (ngenkathi sibambe umsebenzi wesikhathi esigcwele) ukuze ekugcineni siqale ukuhweba njengomsebenzi wethu oyinhloko wesikhathi esigcwele. Njengoba sigcizelele izikhathi eziningi akekho kithi olandela indlela efanayo endleleni yethu yokukhanyiselwa ngabahwebi; sonke silandela izindlela zomuntu ngamunye eziya empumelelweni eziyingqayizivele kithi njengesimilo nobuntu bethu.
Omunye wemibuzo yokuqala esiyiphakamisayo lapho sithola ukuhweba okokuqala ngqa ukuthi; “singaphila ngemali etholakala ngokudayisa?” Phela lincane kakhulu iphuzu lokungena kulo mkhakha uhlose ukuthi ekugcineni ube ngokugcwele ngaphandle kokuthi lowo mbuzo ubuzwe. Ukuthi sizodinga malini, ukuze sihwebe ngaphandle kweholo elivikelekile elivela emsebenzini, kungahluka kakhulu ngokuya ngokuthi uhwebela kuphi ngempela. Isibonelo, sazi ngomhwebi oshiseka kakhulu e-Cairo ohweba nge-akhawunti yamadola angu-5,000 futhi ubheka ukwenza cishe u-$500 ngenyanga, okuthi (ngokusho kwakhe) ahlinzeke ngomholo ophilayo eGibhithe. Akulona iholo 'elihle', kodwa kuyena, njengomhwebi osemusha ongenayo imali encane kakhulu, linikeza lokho akubiza ngokuthi “iholo eliphilayo ukusiza yena kanye namalungu omndeni wakhe”. Lesi yisikhathi e-Egypt lapho izwe libhekene nezinxushunxushu ezinkulu kanye noshintsho futhi ukuntuleka kwemisebenzi kusezingeni eliphezulu kulabo abaneminyaka engaphansi kwengama-30, njengoba ukuntuleka kwemisebenzi kusezingeni eliphakeme. Njengamanje (ngokungekho emthethweni) ingaphezulu kwamazinga emazweni ase-Europe njenge-Italy, Spain kanye neGreece, i-Egypt iku-70% yabantu abasha abangasebenzi. Ngakho-ke indoda yethu yaseCairo “ibala izibusiso zayo” ngokuthi ithole imali engenayo 'engenayo intela,' angakwazi ukuyithuthukisa kusukela ekuxhumekeni kwe-inthanethi okunesizotha kanye nekhompyutha ephathekayo (ebonakala izinsuku ezingcono). Ngakho-ke nasi isibonelo esisodwa esingavuthiwe nesingokoqobo kakhulu somuntu ophila ngenzuzo yokuhweba kwe-FX, ngezindlela eziningi akubi ngokoqobo noma kube nzima nakakhulu futhi uyakwazi ukukwenza ngaphansi kwengcindezi abaningi bethu emazweni asentshonalanga abangenayo. ukuhlupheka. Kodwa ukusinda kwakhe ekuhwebeni i-FX (ngokuqhathaniswa nokuchuma) kwembula ukuqhathanisa okuthakazelisayo; ingakanani inzuzo uma uqhathaniswa nosayizi we-akhawunti yakho oyidingayo ukuze uphumelele embonini ye-FX? Futhi ukusebenzisa lokho manje, ikakhulukazi uma usaqala umsebenzi wakho wokuhweba, mhlawumbe kuzoba esinye sezibalo ezibaluleke kakhulu ongayenza lapho uhweba. Izovimbela 'ukuphupha emini' mayelana nalokho okwenzekayo nalokho okungenakwenzeka.
Abahwebi base-UK, Europe nase-USA abakwazi ukuphila nge-akhawunti yama-dollar angu-5,000 ekhiqiza cishe amaphesenti ayishumi embuyekezo ngenyanga beletha imali engenayo evamile, okuyimbuyiselo evelele yezilinganiso zanoma ubani futhi umngane wethu waseGibhithe kufanele ahalaliselwe ukuzuza okunjalo. ukungaguquguquki. Ngakho-ke kufanele yini abahwebi be-'western hemisphere' babheke usayizi wabo wokuqala we-akhawunti futhi benze isinqumo mayelana namandla abo okuba abahwebi besikhathi esigcwele? “Yebo” impendulo emfushane futhi sizochaza ukuthi kungani. Kuvame ukushiwo ukuthi ukuphela kwendlela yokwenza isigidi ekuhwebeni kwe-FX ukuqala ngezigidi eziyishumi. Ukwenza imbuyiselo engamaphesenti ayishumi ku-akhawunti kufanele kutholakale kunoma ubani. Ungase uhwebe mhlawumbe u-0.1% kuphela we-akhawunti eyizigidi eziyishumi ukuze uthole imbuyiselo yamaphesenti ayishumi ngonyaka. Ngomqondo olungile jikelele, ukuphathwa kwemali kanye nendlela, ukubuyisela isigidi esisodwa ku-akhawunti yezigidi eziyishumi kufanele kube lula njengokubuyisela amadola ayi-1000 ku-akhawunti yezinkulungwane eziyishumi zamadola. Kodwa kwabaningi bethu iqiniso liwukuthi asisoze sahweba nge-akhawunti yamadola ayizigidi eziyishumi futhi lokho ngokoqobo kufanele kudlulele esimweni sakho samanje. Abahwebi kufanele, ekuqaleni nje komsebenzi wabo wokuhweba, njengoba bebophezela imithetho yabo njll ohlelweni lwabo lokuhweba, babhekane namaqiniso ngokuphathelene nosayizi we-akhawunti abanayo nokuthi kungabayisa kuphi. Uma uno-$5,000 manje, umsebenzi wakho wamanje awukushiyi nemali eningi oyongile ukuze ukhuphule leli zinga futhi mancane amathuba okuthi uthole izigaxa ngefa elivela esihlotsheni sakho, asikho isidingo sokuphupha, sekuyisikhathi. ukuba ngokoqobo. Yilapho iqiniso liluma khona futhi lingalimaza ukuziqhenya nemizwelo yabadayisi abasafufusa abayengwe izithembiso zengcebo abaningi embonini yethu abahlulekayo ukuzidlalela. Kodwa ukuba namaqiniso mayelana nokuthi yini engenzeka, engenzeka futhi engokoqobo, kungenye yezithiyo zokuqala abathengisi abasha okufanele bazinqobe ukuze bajabulele noma yiluphi uhlobo lwempumelelo. Futhi njengoba umthengisi wethu waseCairo efakazela ukuthi kuhlala kunezinga lapho impumelelo ehlobene ingajatshulelwa. Ngakho-ke kubalulekile ukuthi abathengisi abasha bafanise izifiso zabo nosayizi we-akhawunti yabo, kokubili lapho beqala ukuhweba nalapho bethuthuka.
« I-EC ingaphenya ngensalela yokuhweba yaseJalimane, ngenkathi ukwehla kwamandla emali e-UK kungahle kwehle kube ngu-2.5% Ukwehla kwamandla emali eJalimane kufinyelela eminyakeni emithathu ephansi, i-UK yehle yafika ku-2.2%, njengoba u-Asmussen ethi i-ECB ayikafiki umkhawulo wokuthi “yini engayenza” kumazinga wenzalo… »
