Uhulumeni angabasiza kanjani ababoleki bezimali zangaphandle?

Isimo sabantu abanikeze izikweletu ngemali yangaphandle (i-euro, ama-dollar, i-Swiss francs) abakwazi ukuhawukela ngisho nomuntu onomona kakhulu. Ngemuva kokukhokha isikhathi eside nesithakazelo kanye "nomzimba," ngokuvamile bafanele babhange njengasekuqaleni, futhi ngezinye izikhathi ngisho nangaphezulu. Abbolekayo bathukuthele, bakha izinhlangano zomphakathi, amalungu abo abumbene nengozi evamile, bahlele imiboniso, kodwa konke akusebalulekile. Ikakhulukazi ethintekayo amakhasimende asekhaya, abaningi babo bangengozini yokushiywa ngaphandle kwephahla phezu kwamakhanda abo ngendlela engokoqobo. Abantu bafuna ukungenelela kwezwe futhi bayaqiniseka ukuthi bakhohlisiwe. Yini abangayethemba?

Inkinga ivela kanjani?

Ngokuvamile, i-sneak yanyuka ingabonakali, futhi umthombo wayo ugijime emazwini avuselelayo ebhalisi webhange, umphathi owenza isivumelwano sesibolekiso. Iklayenti ehlezi eduze kwetafula lakhe ibuza mayelana nemibandela futhi ithola impendulo eningiliziwe kunakho konke. Izindleko zentshisekelo ekutholeni inani lemali ziphansi, futhi ngama-ruble ngaphezulu ngamaphesenti amaningana. Cishe eminyakeni emithathu kuya emine eyedlule izinga lokushintshaniswa kwe-ruble lazinzile, ngezinye izikhathi kwakukhona ukuhlaziywa, okungukuthi, ukwaziswa kwentengo yemali kazwelonke ngokuphathelene nemali yangaphandle. Kubalulekile ukuqonda ukuthi inzalo kuphela yimuphi umphathi womnyango wezikwelethi ukuthi umthengi "akazange aphule", lokhu, hhayi nakancane isifiso sokumkhohlisa, washo ngokuzihlonipha kwakhe nangesizotha. Umabhalane wenza umsebenzi wakhe ngokusemandleni akhe namakhono akhe, wathatha i-calculator futhi, ngokuchofoza okhiye ngokufishane, wachaza ubukhulu "bokukhokhwa ngokweqile", okungukuthi, inani elizokwenziwa ngumthengi ukunikela phezu komzimba wesikweletu. Kwavela kahle kakhulu, ikakhulukazi uma uthatha imali yangaphandle. Futhi okukhethwa kukho kwasala kumboleki, futhi wakwenza ngokwakhe.

Ibhange lisebenza kanjani?

Ukufunda ngokwezimali kwezakhamuzi zethu, yebo, kuphansi kakhulu. E-America, cishe zonke izakhamizi zinamasheya kanye nezibopho, zithengisa, zizithenga, zidlala ezithengweni zamasheya futhi uma ziholela ekulahlekelweni, akakholelwa ukuthi ukhohlisiwe, kodwa uzibeka icala ngenxa yokungahloniphi kwakhe futhi akakwazi ukucabangela zonke izici , Ukuthinta indawo yemakethe. Futhi sinabantu abaningi ngisho nakancane bacabanga ukuthi ibhange lisebenza kanjani. Futhi lapha kufika isakhamuzi esinjalo esikhungweni sezimali, ucela ukuthi wonke umuntu amtshele ngokuningiliziwe, futhi uthola lonke ulwazi kufomu lakhe eliveziwe. Ngezinye izinketho ezikhona, abaphathi bangathula, ukuze ikhasimende lingenakwesaba, ngokwesibonelo, mayelana nokushintshashintsha kwezingcaphuno zemali. Futhi hhayi ngoba nje umuntu esaba, uyasukuma futhi ashiya. Kungokuthi bona abazi ukuthi i-dollar izoba yini ngonyaka, amabili noma amahlanu. Futhi uma bebazi, bazoba nawo wonke amathuba futhi akunzima ukuceba ukulingana, futhi kungani kufanele babe nalokhu ebhange elibophayo?

Ubani okufanele abekwe icala?

Kodwa ngisho nabakhokhisi abaningi "abangahambanga phambili" bayazi ukuthi bangumthombo wenhlalakahle yebhange lombolekisi. Futhi imali "abaphoqelela", empeleni, "ingcolile" (ngomqondo wokuthi kusadingeka ukuba bakhokhe intela kubo futhi bakhokhele amaholo kubasebenzi, nokukhanya, nokushisa, njll) inzuzo yalesi sikhungo. Imali ibalulekile futhi imali, futhi lokhu akuyona into embi. Uma ibhange lizozisola ngamakhasimende ayo, lizolahlekelwa phansi. Amadola ne-euro kuye akunikezi muntu, uyabathenga. Futhi manje inhlekelele yahlasela, izinga le-ruble lancipha futhi liqinile. Ubani owahlupheka? Ikhasimende. Ukuze ubone lokhu, kunelungelo lokufunda inkontileka, ngokusho ukuthi leyo mboleko ikhishwe. Ngithathe imali futhi ngiyiphinde ngiyibuyise. Kodwa iklayenti akayeki, ufuna ukunikeza ngokwezinga elibekwe ngesikhathi sokuphetha kwesivumelwano. Ngama-35! Kulungile, 40. Kulungile, 55. Kodwa hhayi 70! I-negotigain lapha ayilungile.

Yini ongayilindela?

Inkinga inkulu kangangokuthi ilula ("iyisiphukuphuku", njengoba isho namuhla) cishe akukho ibhange elingadinga ukubuyiselwa kwemalimboleko. Izinhlangano zezezimali kufanele zihlangabezane namakhasimende abo, zingene esikhundleni sazo, ngaphandle kwalokho izinkinga ziyokhula kuphela. Amabhange akukhona ngalokhu ngenxa yesihawu, kodwa futhi kusukela ekucabangeni okujulile. Ukuxoshwa kwamaklayenti kumpahla yokuboleka impahla, kuboniswa umlando wakamuva (isibonelo, waseMelika), emiphumeleni eyingozi ngempela. Izindawo eziningi, ezibhekwa njengezihloniphekile, zaba izindlu zokuhlala, lapho kungekho abaqashi abahloniphekile, izindlu zokuhlala zazihlala ezigodini, futhi bekuvele kuhamba ngendlela engozini emgwaqweni. Amanani awela, hhayi nje kuphela, kodwa abangela ukuwa kwezimakethe zendawo yangempela, ukwehlisa izinga lokutshalwa kwemali, kwahlushwa imboni yokwakha. Into efanayo yenzeke ngezimoto ezibolewe kakade zagijima, futhi kwakunzima ukuzithengisa. Ukubuyela ezimweni ezinjalo kunzima ukuqinisekisa. Ngokuvamile, ukugwema ukuwa okuphelele, amabhange abe ngaphezulu, kodwa futhi emingceleni ethile.

Uhulumeni uhlangene ngani nalo?

Akubona bonke abantu ababole imali yokubolekisa ngemali yangaphandle, kodwa inkinga yembule ububanzi bayo ngemva kwemibhikisho eminingi futhi ecacile. Izisulu zithi kukhona eziningi zazo, abantu abayizinkulungwane ezingamashumi ayisikhombisa. Uhulumeni unombono ohlukile ngalolu phuzu, balinganisa inani labakhokhi abalahlekelwe i-solvency ngezinkulungwane ezimbili. Isiphakamiso sokulinganisa amalungelo izakhamuzi ezangena ezivumelwaneni zokubolekwa kwe-ruble nezemali azizange zicatshangelwe ku-State Duma ngenxa yokuthi yi-utopianism ephelele futhi ecacile. Kodwa-ke, iBhange Elikhulu lalinganconywa ukuthi liphinde lenzeke kabusha izimo ngokusuka kwesilinganiso ngo-Okthoba 1, 2014 (39.38 RUR / USD). Ingabe amathangi azolandela lesi seluleko? Kulula. Kulokhu, umbuso kuzodingeka uzibuyisele ekulahlekeni, futhi izinsizakalo zalezi zimali zezimali azihlinzekiwe.

Ulahlwe

Izizathu zalokhu zenzeke kakhulu kangangokuthi kunzima ukuzibala. Inkinga yomhlaba wonke ayizange iqale izolo, ezinye izici, kubandakanya ukwehla kwamanani ama-hydrocarbons, izindleko ezihambisana nezenzakalo zeCrimea, futhi imiphumela yezinhlawulo yabekwa emiphumeleni yayo. Kungenzeka ukuthi uma kwenzeka isimo sithuthukiswa, umbuso uzothola ithuba lokusiza okungenani ababoleka kakhulu kunazo zonke abaye bakhipha izivumelwano zokubolekwa kwemali iminyaka eyishumi noma ngaphezulu ngenxa yokuthi "abangeke" badonse imigomo ". Konke okunye, kusobala, kuzomele kuqiniswe amabhande abo. Esikhathini samanje, ngaphezu kwezici eziyinhloso, umsebenzi ongenamsebenzi weBhange Elikhulu kanye nohulumeni nalo kufanele abekwe icala. Kulungile ukhetho olusanda kuvela, futhi kungabani, mayelana nezakhamuzi ngokwabo, ukulindela izinqumo ezifanele? Into eyodwa ecacile, izenzo zenomsindo ngeke zisisize imbangela.