Izindlela Zokuguqulwa Kwemali
Ukuguqulwa kwemali, kumongo wokushintshaniswa kwamanye amazwe, inqubo yemakethe enquma inani elilinganayo lwemali eyodwa lapho kuthengiswa ngenye. Inqubo yokuhweba iphawuleka ngakho kokubili ukuthenga nokuthengisa ukuze wandise inani lemali yomuntu. Inqobo nje uma abathengi bezothola izizathu zokusebenzisa ezinye izimali kunezabo, lokhu kuguqulwa kuzoqhubeka nokunquma ukubaluleka kwemali ephaketheni lakho. Kungabonakala kulula kubantu ukuyibheka njengenqubo yokuhweba nje. Kodwa-ke, kukhona ubuchwepheshe obuningi obulawulwa ukuphathwa kwemali kunabathengi abajwayelekile abakwaziyo. Nazi izindlela ezimbili ezivame kakhulu ezisetshenziswa ekuguqulweni kwemali.
Izinga Lokushintshana Elintantayo
Izinga lokushintshanisa elintantayo lisondela ekuguqulweni kwezimali ngqo abathengi abazokwazi ukuthenga imali ngentengo abazimisele ukuyikhokhela. Le ndlela iboniswa kahle yizinhlobo ezintathu zezimali ezizinzile kunazo zonke emhlabeni: i-US Dollar, iCanada Dollar, ne-UK Pound. Qaphela ukuthi amazwe lapho lezi zimali zingaphansi kwawo akhiphe kanjani umnotho oqinile ngokuhamba kwesikhathi. Ukwehla okuncane emnothweni walawa mazwe kubuyiselwa emuva esikhathini esilinganisekayo nje ngokwanele ukuze inani lemali lisimamise.
Izinga Lokushintshana Elintantayo lithembele ebudlelwaneni bokuphakelwa kanye nokufunwayo. Ukuphakelwa kanye nokufunwa nakho kuthintwa yizinto ezinjengokwehla kwamandla emali, ukwehla kwamandla emali, ibhalansi yezohwebo, kanye notshalo-mali lwangaphandle. Lapho zonke lezi zinto zithandeka, imali ibeka inani elizinzile ngokwengeziwe. Uma inani lemali lizinzile, abathengi abaningi bazokwazi ukulithenga. Uma lokhu kwenzeka, ukuguqulwa kwemali kuthatha inkomba enhle.
Izinga Lokushintshaniswa Elikhanyisiwe
Ngokungafani nesilinganiso sokushintshashintsha ezintantayo esibonakala ngokuvumelana nezimo, isilinganiso sokushintshaniswa esikhonkwane siyalungiswa futhi silawulwa nguhulumeni. Le ndlela ijwayelekile emazweni aneminotho engazinzile noma leyo mnotho esathuthuka.
Njengoba i-Pegged Exchange Rate incike emalini ejwayelekile efana ne-US Dollar, izinga lokuguqulwa kwezimali ezweni lingahlala lingaguquki isikhathi esithile. Lokhu kungenzeka lapho ibhange eliphakathi lezwe ligcina inani elanele lemali engaphandle yemali. Uma ukunikezwa kwemali yakwamanye amazwe kuphela futhi kudinga ukwanda, ibhange eliphakathi likhipha enye imali yakwamanye amazwe emakethe. Uma imali yakwamanye amazwe isakazwa kakhulu, ibhange eliphakathi lilinganisela ukukhishwa kwalo. Lokhu kuthinta kanjani ukuguqulwa kwemali? Uma umthengi efuna ukuthenga iDola laseMelika ezweni lapho kutholakala khona okwanele, angalindela ukuthola inani elihle eliguquliwe. Uma kwenzeka okuphambene nalokho, yena lowo muntu angakuthola kunzima ukuthenga amaDola aseMelika ngoba imali yezwe lakhe iphansi kunalokho obekulindelekile.
Kuzona zombili izindlela ezisetshenziswe ekuguqulweni kwemali, umbono womphakathi wokuthi imali yabo ilinganiswa kanjani kunquma ukuthi kufanele yini bathenge imali ezinze noma cha. Ngenkathi izinsongo zokwehla kwamandla emali nemakethe emnyama zingenzeka, inhloso yokulawula umnotho wezwe ungagcina inani lemali yawo noma cha.
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