Izithiyo ezinhlanu empumelelweni yethu njengabahwebi, okulula ukuzinqoba uma sesizibonile
Iningi labafundi bamabhulogi nezithangami lisha sha ekuhwebeni, njengoba bebelokhu behweba isikhathi esingaphansi kweminyaka emihlanu. Ngaleso sikhathi bazobe bebhekene nazo zonke izimo zemakethe izimakethe ezingazakha. Empeleni kusukela ngo-2008/2009 sibone isiyaluyalu esimangalisayo 'kanye empilweni' ezimakethe zethu. Sibe nokuwa kwamabhange aseNtshonalanga Nenkabazwe, e-USA sithole i-QE1 - QE3 kanye namabhilidi amaningi - abanye bayimfihlo ngokuyimfihlo, namanani wenzalo elandela inqubomgomo yeZIRP cishe iminyaka emihlanu kuya kweyisithupha.
E-Europe sinezinye izinto zokutakula kanye nezinguqulo ze-QE nge-ECB, ezungeze imithetho eqinile 'yokuphrinta imali'; baphinde balandela inqubomgomo yenzalo engeyona inzalo kumanani wenzalo. E-UK i-BoE yatakula amabhange ngendlela yokuvuselela ubuzwe nokuzibandakanya ku-QE kuze kufike ezingeni lika- $ 375 bn, ngokufanayo amanani ayisisekelo e-UK ahlala ebangeni eliphansi isikhathi sokurekhoda. Ekugcineni yonke iminotho yomhlaba yayibona imimoya emibi yokuwa, ikakhulukazi iJapan isalokhu ingalulami eminyakeni engamashumi amabili yokukhula nokusebenza kwayo, ngenkathi inesikweletu esikhulu uma kuqhathaniswa ne-GDP engaba ngu-220%.
Yonke imithetho yenqubomgomo eshiwo ngenhla kanye nemicimbi yomthelela omkhulu kakhulu ithinte intengo nokunyakaza kwezimakethe zezimali, izinkomba nempahla kakhulu. Eqinisweni sikubonile ukwenziwa kwamathrendi amakhulu namathrendi wokuphikisa eminyakeni edlule. Ngezindlela eziningi kube yisikhathi esibi kakhulu ukuba ngumhwebi, kungakhathalekile ukwenza imali (noma cha) eminyakeni embalwa edlule kube yisikhathi esimnandi ngempela (ngokwencazelo yangempela yegama) isikhathi sabadayisi, njengoba sikubonile ngempela konke . Kodwa-ke, ngalolo lwazi kwavela udaba olungeziwe lokuthi kungenzeka amaphutha omuntu akhulisiwe, ikakhulukazi ngezikhathi zomsebenzi omkhulu wemakethe kanye noshintsho olukhulu.
Eminyakeni embalwa eyedlule kusinikeze nethuba eliyisimanga lokuthi sibheke izifundo esizifundile kule minyaka futhi ngaphezu kwalokho sibheke ukuthi iziphi izifundo okube nzima kakhulu ukuzishaya futhi ezithathe isikhathi eside ekugcineni ukucwila kuzo. Sizobheka ezifundweni ezinhlanu ezihlukile, ezihlala zikhula njengezithiyo zempumelelo. Ekuziqhakambiseni nasekuhlinzekeni izixazululo ezingaba khona, ngethemba lokuthi sizonciphisa kakhulu amajika wethu wokufunda.
"Isifundo sokuphathwa kwemali ngisithole sinzima kakhulu ukusifunda ”
Kungaba umsebenzi ongenakwenzeka ukweluleka abathengisi abasha ukuthi amathuba abo okuguqula ama- $ 300 abo okuqala abe ngama- $ 30,000 awanakwa. Kukhuthazwe izinganekwane zempumelelo kumaforamu nakumabhulogi, kusukela kwabaphuphile abathi baphendukele ku- $ 1,000 kuya ku- $ 1,000,000, abathengisi abaningi abasha bayenqaba ukwamukela iqiniso futhi kuze kube yilapho beqala ukuhweba, baqala ukugembula kuze kufike ku-10% we-akhawunti yabo ngokuhweba ngakunye, ukuthi iqiniso liqala ukungena. Ukulahlekelwa uhhafu we-akhawunti ngemisebenzi emihlanu yokulahlekelwa ochungechungeni, uma ukuhweba ngosuku ngezikhathi ezingezansi, akuyona into engavamile. Futhi ukuqhathanisa okuqatha nje ukuthi ukulahlekelwa kufanele kube kuphela okungu-5% kuphela okuzonyakazisa umhwebi omusha ezinkolelweni zabo. Ngempela sinzima kunazo zonke, nokho kufanele kube isifundo esilula ukusithola.
“Ekugcineni ngithole ukuthi okuyisisekelo kuqhubela phambili izimakethe ze-FX, izinkomba nezimpahla”
Akunandaba noma singatshelwa kangaki njengabahwebi ukuthi yini ngempela ehambisa le makethe kunenkani enenkani ekhona laphaya 'ezweni labadayisi' enqaba ukwamukela iqiniso, okuwukuthi izinqumo zenqubomgomo eyisisekelo kanye nemicimbi yezindaba ezinomthelela omkhulu kuqhuba lokhu izimakethe phambili. Izinguquko zamazinga wenzalo, ukwehliswa kokuncipha kwenani kube yizinto ezimbili ezinkulu kakhulu.
"Ngifunde izifundo zami ukuthi ukuhlaziywa kwezobuchwepheshe kushiya imininingwane yemakethe"
Intengo iyasabela kuma-SMA amakhulu njenge-200 SMA, intengo iyaphela futhi ibuyele kulokho okungaba iziphrofetho ezizigcwalisayo zamazinga abalulekile we-Fibonacci, kepha ingxenye enkulu yentengo iphendula izinqumo zenqubomgomo eziyisisekelo ezenziwe ngamabhange amakhulu nohulumeni . Intengo ayiphenduli kwi-MACD, noma ezinye izinkomba ezisilelayo futhi akukho zinkomba zokukhomba, ngaphandle kwentengo ephikisanayo, ebonakalayo ngesenzo sentengo.
"Ekugcineni sengikwamukele ukulinganiselwa kwami. ”
Kukhona induduzo ethile ongayithola ekugcineni ukwamukela ukuthi asisona isidalwa esiphakeme esizodonsa inzuzo ezimakethe ngentando. Ngemuva kokuthi siqale ubudlelwano bethu nezimakethe siqala ngokushesha ukwamukela ukulinganiselwa kwethu, kokubili ngokwalokho esikwaziyo ukukwenza njengomuntu nokuthi yini esikwaziyo ngokwenzuzo ehlobene nathi esingayithatha njalo ezimakethe. Kubalulekile ukuthi singene ebhodini ukuthi izinga lokuheha embonini yethu likhulu futhi uma sizuza ngokungaguquguquki, esikhathini esingangonyaka owodwa, lapho-ke siphakathi kwenqwaba yabantu abakhulu abaxazulule iphazili lelo lokuhweba uhlala unikela.
"Manje sengiyazi ukuthi sengingayikhulisa i-akhawunti yami ngomkhawulo ongokoqobo."
Ukuzibekela imigomo enengqondo kuyisihloko esidlule kuzo eziningi zezindatshana zethu, 'ukukhululeka kwengcindezi' esikujabulelayo kubalulekile uma sazi ukuthi empeleni singabheka inzuzo yonyaka enqunyelwe kumanani amabili mhlawumbe ngokuthola amaphesenti ngonyaka , ngokungafani ne-100% +. Kuyafaneleka ukuphinda ukuthi iningi labathengisi abanenzuzo bayashintsha futhi noma babeke ukuhweba ngezinqumo zabo kwenziwa kumashadi ansuku zonke nangaphezulu. Ngamazwi alula kufanele sicabangele ukuhweba kancane nokwenza okuningi. Akufanele silwe nezimakethe futhi kufanele sihlale sicabanga ngokwezilinganiso. Uma ukuhlakanipha esikulethwayo kuphakamisa ukuthi abathengisi be-swing bangabathengisi abaphumelele kakhulu nokuthi babeka engozini ngokwesilinganiso esingu-1% ngokuhweba ngakunye, ukuthi bahlala ekuhwebeni isikhathi esingu-x futhi ngokwesilinganiso benza inani le-x ngokuya ngokukhula kwe-akhawunti, lapho-ke Izinhloso zethu ezingokoqobo zezezimali kufanele kube sobala ukuthi kufanele sizilwele.
“Kungithathe iminyaka eminingi ukuhlukanisa iqiniso nezinganekwane ezisakazeke yonke indawo.”
Akunasinqamuleli sokudlula isisekelo solwazi lomuntu siqu esidinga ukusiqongelela njengengxenye yenqubo yethu yokufunda. Kuthatha isikhathi ukumunca yonke impahla efanele esiyidingayo ukuze sisebenze ngempumelelo futhi kuthatha ubude besikhathi obulinganayo ukuhlukanisa izinto ezingalungile. Sihlaselwa yizikhangiso zemboni yethu ngaso sonke isikhathi, ikakhulukazi uma isiphequluli sethu sigcina umlando wethu ngemuva kokuvakashela njalo izinkundla zokuhweba ezinkulu, noma amabhulogi okuhweba. Ngaphezu kwalokho, sihlaselwa ngabakhangisi abasezingeni eliphezulu kwizithangami lapho sithatha isinqumo sokuzibandakanya thina futhi laba bakhangisi abanekhono ngokuvamile bangabathengisi abampofu abafuna ukwelekelela imali abayitholayo, noma yini embi kakhulu abathengisi abahlulekile abenze ikhono elingaqondakali lokukwazi ukuletha lokho kanye izilaleli zidinga. Ngeshwa alikho ikhambi elisheshayo lokukhomba iqiniso kwi-scammer, kuthatha isipiliyoni, kepha-ke manje sesihlomile ngaphambili futhi sixwayiswe ngaphambili.
« IMarkit Economics flash USA yokukhiqiza i-PMI iyadumaza ngoMsombuluko njengoba izimakethe zihlehla eYurophu ngenxa yezinkinga zase-Ukraine Ukwehla kwamandla emali e-UK kufinyelela eminyakeni emihlanu ephansi njengoba amanani ezindlu zase-UK afinyelela eminyakeni emihlanu ephezulu »
