Pasinei Nemari Yose Mari iyo Gwaro Rakadhinda
Mhinduro Pfupi: Mari yehurumende yakadhindwa haisati yadarika mari yakasikwa nebhangi munguva dzekurekodha kwema-interest rates.
Mune mamwe mazwi, kana iwe ukaisa mari mubhangi, vanobvumirwa kuchengeta chikamu chiduku cheiyo pane zvakachengetwa. Vanogona kukweretesa mari yakawanda kupfuura mari yaunoisa. Hezvino zvakanyanya kudarika: Kana zvigadziriswa zvitsva zviri pasi (zvakatemwa neGeral Reserve Reserve), uye iwe ukaisa $ 100,000 mubhangi rako, bhangi ringangoda kuchengetedza $ 10 000 paruoko. Vanogona kukweretesa $ 90,000 kune mumwe munhu, anoenda ndokuisa rimwe bhangi. Iri bhangi rinogona kushandisa mari yacho kubhadhara $ 89,000. Izvi zvinodzokorora kusvikira $ 100,000 yako yepakutanga yakawanda, yakawanda kwazvo "mari" mumutambo. Mune mhaka yedu chete, mari yako pamwe nezvikwereti zviviri zvebhizimisi zvakabhadhara $ 279,000!
Chii chinokonzera kutengesa ?
Hurumende, economists, uye vezvemari vanocherechedza mari yakawanda mumutambo nemhando. Izvi zvinowanzozonzi M1, M2, kana M3 mari. Iyo nzira, vanogona kuona kuti "mari" yakawanda sei mune rumwe rudzi inobva pamapepa emari, mari yakawanda inobva kubhengi yebhanki, nezvimwewo.
Saka "mari" yakawanda yakasikwa apo chido chekuderera chakawira uye vatengi vakweretwa rekodhi sekuti mabhenji paanovhara chikwereti kuedza nekuvaka zvakare bhadha ravo, kuti mari yakadyiwa kunze kwehupfumi. Dai iyo Federal Reserve isina kudhinda mari, tingadai takapinda mukuderera kukuru kwekutambudzika - imba yako nefuma zvingadai zvakarashika kukosha asi mari yako yaungadai yakaramba iri yakafanana.
Mune mamwe mazwi, kana iwe waive nechikwereti zvachose, ungadai wakanyatsogadziriswa zvachose.
Hurumende yakashandura mabhizimisi ekudhinda kuedza kudzorera bhagheni yakagadzira mari, nekutarisira kuti vanogona kuitora kunze kwehurongwa pamusoro pemakore mashanu kusvika kune gumi anotevera zvishoma nezvishoma, zvishoma pane imwe nguva.
Ichi chaive chirevo chakanaka uye chakanaka. Dambudziko nderokuti vanhu vazhinji vanoshamisika kana Congress isingagoni kudzora mari yayo. Nguva iyo yakadhindwa mari inotanga kupfuurira mari yedu yekare yekupa mari (yakadhindwa mari + bhadha yakaumbwa mari), kutengesa kwenyika kunotanga. Nekukanganiswa kwawakaita kwe $ 9 + trillion pamusoro pemakore 10 ari kuuya, izvo zvaizoitika uye ndicho chikonzero vanhu vakati kutengesa kwezvinhu kungave kuri kuuya.
Kana Congress inorega kupedza makore 1-2 kubva ikozvino, kutengesa kwenyika hakuzoitiki pasinei nemari yatakadhinda nekuda kwezvinhu zvandatozvitaura. Kana zvakadaro, Congress inoramba ichishandisa mari, inflation inogona kuparadza kukosha kwedhora. Sezvandakatumira kare uye kune imwe nzvimbo, kana iwe uchiziva kuti ungashandisa sei mamiriro ezvinhu aya, izvo zvinogona kuva zvakanaka kwauri, sezvazvichava zvekambani dzakadai seCoca-Cola, General Electric, kana Johnson & Johnson, dzinoita mari yavo yakawandisa kune dzimwe nyika kunze kwenyika.
Taura zviri nyore, dambudziko haisi mari iyo hurumende yakadhinda pamusoro pemakore maviri akapfuura. Ndiyo mari iyo vashandi vakawanda vanofunga kuti hurumende ichadhindwa pamusoro pemakore gumi ariyo ndiyo dambudziko. Zvechokwadi mapepa emari yakawanda, duku muzana ye "mari" yose nyika yakasikwa chero nguva ipi zvayo. Somugumisiro wechikwereti kubviswa, hurumende yaisakwanisa kudhinda mari nokukurumidza kuti inotora mari yeM2 neM3 (iyi chati inokuratidza iwe kusvikira muna 2005, kuti M2 uye M3 yaive sei kuve yakawanda uye yakawanda muzana ye chizere "mari").