Kodi ndalama? Kodi ndalama mavuto

Kumene, zinthu akumane pa chuma Russian ali kungasokoneze khalidwe la moyo wa nzika zomwe lero ali mu imfa wathunthu mmene ndalama. Against maziko a kusakhazikika kwa ndalama ya dziko, mtengo wa mafuta, kuchepetsa voliyumu ya ndalama mu dziko, nkhani imeneyi ndi yofunika kwambiri. Ndipo n'zosadabwitsa kuti ambiri akuganiza bwanji ndalama zinthu yovuta.

Zilinso zovuta, komanso Kusakhazikika mu gawo la kubanki. Motero, nzika alibe ndithu kuti mwa zida monga gawo bokosi kapena chuma, mungathe kupulumutsa ndalama zanu. Ndipo kuwasunga kunyumba "pansi pa matiresi" - komanso si njira yabwino.

Zimayambitsa kuwonongeka kwa chuma

Pamaso kutembenukira kwa funso mmene ndalama, ndibwino kusankha pa funso la chifukwa chuma Russia uli kuona si zabwino za nthawi. The zifukwa zotsatirazi:

1. The ankhanza malamulo a mayiko a azungu. ziletso pa za chuma ndi kutsogolera mphamvu Western, kuchepetsa ndalama zakunja, katangale chigawo chimodzi - zonsezi zimamupweteka kwambiri misika athu a zachuma.
2. The kudalira za chuma Russian pa mitengo mafuta. Mwatsoka, chuma Russian amadalira malonda chofunika. Kugwa kwa mtengo wa mbiya ya mafuta ndiye kuti basi amachepetsa ruble kusinthitsa ndalama, chifukwa mu zoweta banki chapakati zikutipatsa chiwongola dzanja.

Mogwirizana ndi pamwamba, kwenikweni ndi zovuta kulosera amene adzakhala opindulitsa kuti aganyali, osanenapo mmene ndalama.

katswiri maganizo

Komabe, chidwi ena zachuma ankakhulupirira kuti dziko posachedwapa kuyembekezera kuchepa msinkhu ndalama ndi kuchepetsa akubwereketsa mu gawo la kubanki. Mu theka lachiwiri la chaka mavuto azachuma kusintha penapake chifukwa ndalama zatsopano ndi ntchito.

Pafupifupi onse akatswiri timakonda kukhulupirira kuti chuma Russian, pamodzi ndi zinthu zina, adzaona andale ndi "chigawo": chimamangidwa maganizo awo Western ku Ulaya amafuna kugwiritsa zonena malo.

Menyani ca mabungwe odziimira banki

chida china chachikulu kuti akhoza umalimbana kuwonongedwa kwa chuma Russian, ndi pa dziko dongosolo lonse OFULUMIRA. Ngati zimenezi zachitika, luso kusamalira ndalama kumadzulo ndi chilungamo anaikidwa mabungwe banki akunja adzakhala kusanduka ziro.

Njira kupulumutsa ndalama zawo

Ndiyeno, kodi ndalama pa vutoli? Kwa ena, yamasika loopsa kwambiri, ndi munthu - kuthekera. N'chifukwa chake lero muyenera kusankha kudikira ndipo penyani, pamene dziko lathu mmene chuma chikuyendera anaweramuka. M'malo mwake, m'pofunika kuti uzichita chilichonse chochitika zotheka ndi kuchita.

Malo ndalama

Inu simukudziwa chimene kugula ndalama? Msungidwe yopindulitsa ndi kugula dziko, ndipo adzakhala, zogona ndi malonda malo - ndi "ndalama khola". Pa nthawi yomweyo, sitiyenera kuiwala kuti nyumba ndi maofesi nthawi kukhala mtengo, kotero muyenera kugula iwo m'mizinda akutukuka kumene phindu mu zaka chikubweracho chidzakhala odalirika.

Mukamakambirana zimene kugula ndalama, tisaiwale: kukhala mwini nyumba zapamwamba, musayembekezere kuti udzabwerera ku miyezi ingapo anakhala ndalama - kudzatenga oposa khumi. Ngati simuli okonzeka kudikira kuti yaitali, ndiye muyenera kusankha zina kuwonjezeka embodiments likulu.

ndalama ndalama zakunja

Inu mulibe ganizo bwanji ndalama pa vutoli? Njira mulingo woyenera - ndi kutembenuza ena mwa "movutikira" mu ndalama zakunja (EUR, USD, CHF). Against maziko a ruble kusinthitsa ndalama Kusakhazikika muyeso chonchi koyenera kwambiri. Koma Mulimonsemo, zopeza zawo ziyenera kusungidwa pa ndalama ya dziko, monga zovuta zinthu zidzakhalire kukhala kudumpha ake nthawi ina.

madipoziti banki

Ngati inu akuda nkhawa za funso mmene ndalama kuchokera kufufuma, ayankhe ambiri zidzakhala: pogwiritsa ntchito gawo banki. Komabe, muyenera Musaiwale kuti ntchito chida n'kopindulitsa pokhapokha ngati ndalamazo amatanthauza yosungirako kwa nthawi yaitali, ndi zomvetsa ndalama akhoza upambana kuchuluka izi. Pamaso sanawakhulupirire likulu anu mosamala onani kudalirika kwa bungwe makamaka kubanki. A mitundu yosiyanasiyana ya madipoziti banki, kusankha zinthu zimene amakulolani kuti apereke mbali zonse kapena popanda imfa ya chidwi. Kukhoza kusunga ndalama simuli mmodzi wa dongosolo la ku banki ndi ochepa (kukumbukira kuti Ukulu wa chopereka sadzalira upambana kuchuluka kwa 650 000 - kampani ya inshuwalansi kupereka chitsimikizo pa kubweranso kwa gawo kuti rubles 700 000).

zitsulo Precious

Ena vuto la mmene ndalama mu Russia, ndi njira miyambo ndi kutsimikiziridwa - iwo afika pa zitsulo wawo wamtengo wapatali. Komabe, akatswiri ena amakhulupirira kuti si muyezo, komanso njira yowopsa kwa ndalama. Zimafotokoza malo awo chifukwa chakuti siliva ndi mkuwa ndi mankhwala kuwombola-ankagulitsa, motero mtengo akhoza kwanthawi kwambiri. A nambala yaikulu ku Russia amakonda kusunga likulu lawo golidi, monga chitsulo chabwinocho nthawi mtengo, koma ndi okwera mtengo kwambiri. Komanso, golide ali ndi khalidwe ngati durability, zomwe zikutanthauza kuti ngakhale patapita zaka 100, inu kugula phindu.

Pakuika Ndalama nonse

Akufuna kuphunzira mmene kusunga ndi kuonjezera ndalama? Enclose iwo mu imodzi ya maofesi odalirika katundu, umene ntchito zochita za kampani kasamalidwe. Mtundu wa kupatula pali chinachake pakati ntchito za msika wogulitsa ndi madipoziti banki.

The zingamuthandize kwambiri phindu imatengedwa kuti pakuika ndalama ubale ndi m'matangadza. Komabe, kukhala okonzekera chakuti apa muyenera kukhala wokhoza pachiswe molondola.

magawo

Ngati ndinu kwambiri nkhawa mmene ndalama ndi kusakhulupirika, ndi bwino kuziika mu zochita. sheya awa ndi liquidity wabwino, ndipo ngati inu mumadziwa bwino kuzigwiritsa ntchito, mukhoza kwambiri patsogolo zinthu mwini chuma. Kachiwiri, tisaganize kuti kugula ndi kugulitsa m'matangadza - ndi ntchito zosavuta kuti adzabweretsa limanena lowoneka. Muyenera zonse kuyenda zochitika: tsiku lililonse kudziwa uthenga m'nthawi yake kuti akhale ophunzira a malonda ndi kutha mwaluso kusewera kuwombola kusiyana. Mulimonsemo, mudzapeza zotsatirazi: ngati inu adzakhala miliyoneya, kapena upite kusweka.

ayamikira General

Ngati simukufuna kuti akuluza ndalama zawo, akatswiri odalirika amalangiza kuti kutsatira malamulo a khalidwe.

Choyamba, kupanga okha malo thumba, amene kudzadza pa mwezi kuchuluka kwa 10% ya ndalama zanu. Ngati inu mwadzidzidzi "masiku wakuda" mu chuma, ndalama mtsogolo kuthandiza mafunde inu pa "kuyandama" kwa nthawi yaitali. Ngati ndinu eni malonda, muyenera kutsegula malo thumba, kumene ndalama chidzafika kwa ndalama zosayembekezereka.

Chachiwiri, kuphunzira kusunga. M'zaka zaposachedwapa, m'dziko mlingo mowa chinakula mpaka itafika wautali kwambiri pamene anagula ngati zinthu zofunika ndi zosafunika. The mavuto azachuma amachepetsa mphamvu kugula ndi ogula wayamba ntchito ndalama mwanzeru.

Chachitatu, nthawi zonse yosanthula ndalama m'banja lanu. Taganizirani zimene ndalama ikhoza waived.