Ndiani anosarudza?
Semuenzaniso, bhagheni inogona kukwidza mari yezvikwereti pane kadhi rechikwereti kana iwe ukasasikirwa nehomwe.
Nhepfenyuro Inobata Mazana Emakore Mashoma Okuda
Libor : Iyi ndiyo mhanho emabhanji anotengeserana kuti vabhadharwe zvikwereti zvemasikati kuitira kuti vasangane neFed's reserve requirements . Icho chiri chirevo cheLondon InterBank Offering Rate. Inowanzova zvishoma zvishoma zvegumi zvehupamhi zvakakwirira kudarika Fed mari yakawanda.
Prime Rate : Ndezvipi mabhengi anotenga vatengi vavo. Inowanzova pamusoro peFed mari yehuwandu, asi huwandu humwe pasi apa huwandu hunowanikwa huwandu hwekuda. Nharaunda dzinoshandiswa dzinoita kuti hupfumi hurumidze. Apo Federal Reserve inoshandura Fed mari yehuwandu , inogona kutora mwedzi 12-18 nekuda kwekushandurwa kwehusekiti muhupfumi hwose. Sezvo mitengo ichiwedzera, mabhanki anononoka kubhadhara zvishomanana, uye mabhizimisi anononoka kuwedzera kuwedzera. Saizvozvowo, vatengi vanoona zvishoma nezvishoma kuti havasi sevapfumi sezvavakambove, uye vanobvisa kutenga.
Vatengesi vemabhizimisi emabhizimisi uye vatengesi vanoona mwedzi weFOMC misangano pedyo.
A 0.25 chidimbu chinoderera mumutengo pakarepo inotumira misika inowedzera mukufara nokuti inoziva kuti ichasimudzira hupfumi. Kune rumwe rutivi, kuwedzera kwe2,55 muzinga kunogona kutumira misika, sezvo inotarisira kukura kunonoka. Vatsoropodzi vanonyora pamusoro peshoko rimwe nerimwe rinotaurwa nemunhu wese muFed kuti aedze uye kuwana ruzivo rwekuti Fed ichaitei.
Mhando dzakasiyana dzekuda mari dzinotungamirirwa nemasimba akasiyana. Zvimwe zvinoshandiswa mutengo zvinoshandiswa ndizvo zvinotaurwa nezita racho, zvinopesana mukati mehupenyu hwechikwereti. Dhaka inomutsa kana kuderedza mari yakadyidzana nemari nezvishandiso zvayo.
Kuti Vashandi Vepfuma Vanopinda Sei Mazuva Ekupedzisira
Mari inotora chikwereti kwenguva yakareba, yakadai semakore gumi nemashanu nemakore makumi matatu nemasere akatarisirwa mortgage rate, yakagadzirirwa nguva yekwereti, makore gumi nemashanu kana makumi matatu. Izvozvowo ndezvezvikwereti zvezvikwereti pane chikwereti chisingatauri. Izvi zvinowanikwa zvikweretesi zvevatengi pamotokari, dzidzo uye kutengesa kukuru kwevatengi semafambisi. Izvo zvikwereti zvinokwidzika zvakakwirira kudarika zvinotangira , asi zvishoma kupfuura revolving chikwereti. Sezvo zvikwereti izvi zvinowanzova imwe chete, zvitatu, zvishanu kana gumi, zvinopesana pamwe chete nezvibereko kune rimwe gore, makore mashanu, uye 10-year Treasury manotsi .
Izvo zvikwereti zvekufarira hazvifambidzwe zvakadyiwa mari yekutengesa zvachose. Panzvimbo pezvo, vanotevera zvibereko pane 10- kana 30-year Treasury Notes .
Izvi zvinotengeswa neDhipatimendi reMari yeUnited States kune wepamusoro-soro. Zvibereko zvinopindurwa pamutengo unowanikwa . Kana pane kudiwa kukuru kwemashoko aya, ipapo zvibereko zvinogona kuva zvishoma. Kana pasina kudiwa kwakanyanya, saka zvibereko zvinoda kuva zvakakwirira kuti zvikwekwe vatengesi.
Mabhenji Anobatsira Sei Mamwe Marudzi Anofarira Mutengo
Kusvikira mazamu eimba mumavambo ekutanga kwema2000, akasiyana pamwe nemafuta emari. Icho ndicho chinotarisirwa chinotarisirwa nehuwandu zvakanyatsorongedzwa neAi sezvo imba yekusimudzira dzimba ichikurumidza, mhando itsva dzekushandurwa kwemari yezvikwereti zvinokweretwa zvakasikwa. Zvimwe zvakasiyana-siyana maererano nemaitiro. Gore rokutanga raiva 1 muzana kana 2 muzana, uye iyo yakashambadza mugore rechipiri kana rechitatu. Vanhu vazhinji vakaronga kutengesa imba yavo nyika isati yasvika, asi vamwe vakabatwa apo matengo emba akatanga kutangira muna 2006.
Kunyanya kuipa ndechokuti chikwereti chaifarira-chido chete . Vanokwereta vakangobhadhara chikwereti, uye havana kumboderedza mutungamiriri. Icho chakanyanya kuipa chakanga chakaipa chekubhadhara chikwereti . Kubhadhara kwemwedzi kwaive kwakaderera kudarika kudiwa kubhadhara chido. Pane kudaro, mukuru wechikwereti ichi zvirokwazvo akawedzera mwedzi mumwe nomumwe.
Kadhi kadikodhi inowanzowanzova yepamusoro yezvikwereti zvehuwandu hwevose Izvi ndezvokuti makadhi emakwereti anoda zvakawanda zvekuchengetedza sezvo vari chikamu chechikwata chikwereti chekwereti. Izvo zvikwereti zvekufarira zvinowanzoita mapeji akawanda kupfuura yeBuror muyero .
Chikonzero nei Kufarira Mitengo Kunokosha
Nharaunda dzinofadza dzinodzora kukwira kwemari muhupfumi. Nhamba yepamusoro yemari inokonzera kutengesa , asiwo inononoka pasi pehupfumi. Kuderera kwekuderera kunokonzera hupfumi, asi kunogona kutungamirira kuhupfumi. Nokudaro, iwe haufaniri kuziva kwete chete kana mamiriyoni ari kuwedzera kana kuderera, asi ndezvipi zvimwe zviratidzo zvemari zviri kutaura.
- Kana zvikwereti zvinowedzera uye Indekisi yeZvengi yeVatengi iri kuderera, izvi zvinoreva hupfumi husiri kupisa, izvo zvakanaka.
- Asi, kana huwandu huri kuwedzera uye chigadzirwa chakakomba chemhuri chiri kuderera, hupfumi huri kunonoka zvakanyanya, izvo zvinogona kutungamirira kuhupfumi .
- Kana huwandu huri kuderera uye GDP iri kuwedzera, hupfumi huchikurumidzira, uye izvi zvakanaka.
- Asi, kana uwandu huri kuderera uye CPI iri kuwedzera, hupfumi hunoenda kuhupfumi.
Nzira Inofanirwa Nayo Nhamba Inofadza Inobatsira US Economy
Mazana ekuderera kwema2008 aive akafanotaurirwa nekusvibiswa kwezvibereko zvekukohwa . Iyi ndiyo apo iyo Treasury Note nguva yakareba yehuwandu yakaderera pane yakaderera mazana emitengo. Chivigiro chinobereka chikafu chegore remakore mazana maviri nemakumi mana nemakumi mana. Kubva panguva iyo, chibereko pamakore gumi emari cheMarivha yakasimuka kupfuura 2 muzana.
Nharaunda Dzakanaka Dzinokubatsira Iwe
Inonyanya kukonzerwa nehuwandu hwekuda mari inenge iri pamba pako. Kana zvikwereti zvikwereka zvakanyanya, zvikwereti zvako zvinokwereta zvichava zvakakura. Kana uri kutenga imba , izvi zvinoreva kuti unokwanisa kutenga imba inodhura. Kunyangwe iwe usati uri mumusika, kukosha kwako kweimba hakuzosimudzi uye kunogona kuderera munguva dzemahombekombe ekudhura.
Ukuwo rumwe rutivi, huwandu hwemari inotapira inopedza kutengesa kwezvinhu. Izvi zvinoreva kuti mutengo wezvimwe zvinhu zvakadai sezvokudya uye peteroti zvicharamba zvakaderera, uye mubhadharo wako uchaenda mberi. Kana iwe wakanga wakachenjera zvakakwana kuvhara muzvikwereti zvakagadziriswa-chikwereti pamutengo wakaderera, mari yako inowedzera kutowedzera.
Kana zvikwereti zvezvibereko zvinoramba zvakanyanya kusvika kwenguva yakareba, zvinokonzera kutengesa, izvo zvinokonzera kukanganisa semabhizimisi anonoka. Kana iwe uri munharaunda yemagetsi , kana nzvimbo inotambura, iwe unogona kuregererwa.