Isitena & nodaka eCalifornia Daydreamin'Iimoto & namalori iPropati yeRhwebo iiNkampani & neMakethiAbathengiItyala BubbleEnergyEurope's DilemmasFederal ReserveIibhuluphu yeZindlu 2Ukwenyuka kwamaxabiso kunye nokuBeka ixabiso leMisebenzi yokuThutha
I-Federal Reserve namhlanje ikhuphe idatha yokusasazwa kobutyebi kwikota yokuqala ye-2021. Oku kubonakalisa ukusebenza komgaqo-mali we-Fed ekwandiseni umsantsa omkhulu phakathi kwezityebi kunye namahlwempu ongenakucingelwa e-United States. Idatha ye-Fed ibandakanya i-1%, i-9% elandelayo, i-40% elandelayo, kunye ne-50% ephantsi yobutyebi bekhaya. Ama-50%-isiqingatha sabemi base-US abahlwempuzekileyo, kwaye ababhaliswanga “kwi-monitor yobutyebi kumzi ngamnye” kuba abanamali yaneleyo.
I-1% ye-126 yezigidi zemizi yase-US (oko kukuthi, imizi ye-1.26 yezigidi) ngabaxhamli abakhulu bezenzo ze-Fed. Ekupheleni kwekota yokuqala, ubutyebi babo bubonke bebuyi-US$41.5 yetriliyoni, nomyinge we-US$32.9 yezigidi kwikhaya ngalinye. Kwiinyanga ezili-12 ezidlulileyo, ubutyebi bentsapho nganye yabo buye banda nge-7,9 yezigidi zeerandi.
“I-9% elandelayo” yawona makhaya atyebileyo anobutyebi obuyi-US$4.3 yezigidi anyuke nge-US$708,000 kwikhaya ngalinye kwiinyanga ezili-12. “I-40% elandelayo” inobutyebi obuyi-US$725,000 kwikhaya ngalinye kunye nobutyebi be-US$98,000.
Phezulu kolu luhlu ziintsapho ezingama-30 ezityebileyo zaseMelika. Ukusuka eBezos ukuya eIcahn, uMusk ukwindawo yesibini. Ngokutsho kweBloomberg Billionaires Index, ubutyebi obupheleleyo bezi ntsapho ze-30 yi-US $ 2.0 yetriliyoni, kwaye ubutyebi obuqhelekileyo kusapho ngalunye yi-US $ 67 yebhiliyoni. Ngabo abaphumeleleyo ngokupheleleyo kumgaqo-mali we-Fed.
I-50% ephantsi ayinayo i-stocks. Yipesenti encinci kuphela kubo abangabanini bomhlaba, kwaye banezabelo ezincinci kakhulu kwi-real estate. Kodwa banamatyala amaninzi. Ayisiyiyo kuphela i-50% ephantsi ayigqithiswanga yimpembelelo yobutyebi be-Fed-kufuneka bayihlawule ngexabiso eliphezulu.
Ubutyebi obuqhelekileyo bentsapho nganye yi-US$42,000, equka iimpahla ezomeleleyo ezifana neemoto, oomabonwakude, oomatshini bokuhlamba kunye neeselfowuni. Kwiinyanga ezili-12 ezidlulileyo, ubutyebi babo bunyuke kuphela nge-10,000 yeedola, ezininzi zazo aziveli kwi-Federal Reserve, kodwa kwiimali zokuvuselela zikaRhulumente. Bayonga, bahlawule amakhadi okuthenga ngetyala okanye bawasebenzisele izinto ezomeleleyo.
Kwi-50% esezantsi, kukho umahluko omkhulu. Iintsapho ezikumgangatho ophezulu zinokuba nendlu eqhelekileyo, kwaye azinako ukuhlawula imali-mboleko enkulu, i-401k encinci, kunye nemoto entle kunye nezinye izinto ezomeleleyo, thabatha imali-mboleko yemoto, imali-mboleko yabafundi, kunye netyala lekhadi letyala. Abo banethamsanqa ezantsi 50%. Kodwa olu didi lukwabandakanya abona bahluphekayo bangamahlwempu.
Itshathi engezantsi ibonisa ubutyebi obuphantsi kwe-50% (umgca obomvu) phantsi kwe "40% elandelayo" (umgca oluhlaza). "Ubutyebi" obusezantsi be-50% bunyuke kuphela nge-$ 14,000 kwiminyaka eyi-20, kungakhathaliseki ukuba ukunyuka kwamaxabiso, apho i-$ 10,600 yenzeke kwiinyanga ezili-12 ezidlulileyo, ngenxa yeentlawulo zokuvuselela.
I-50% esezantsi "yobutyebi" iquka i-$ 122,500 kwizinto zexabiso kuthatyathwe i-$81,000 etyaleni. Ityala le-mortgage lalikade lilelona tyala likhulu, kodwa ityala lomthengi-ityala lekhadi letyala, iimali-mboleko zemoto, kunye neemali-mboleko zabafundi-ligqithise ityala le-mortgage ngo-2018:
I-real estate esezantsi i-50% yeyona asethi inkulu, kwi-61,500 yeedola kwikhaya ngalinye (umgca omnyama kumfanekiso ongezantsi), ityala le-mortgage yi-39,000 yeedola, kunye ne-equity yekhaya yi-$ 22,500. Oku kuthetha ukuba ambalwa amakhaya asezantsi angama-50% anezindlu nomhlaba. Ngokwe-avareji, ingeniso yezindlu zokuhlala kwezi ntsapho yi-3,000 yeedola.
Xa umgaqo-nkqubo wefuthe lobutyebi be-Fed unyusa imarike yezindlu, uninzi lwabantu abakwi-50% esezantsi abayi kuzuza konke konke kuba abanazo izindlu. Kodwa bahlawula umphumo wobutyebi kuba iindleko zabo, kuquka irenti, ziyenyuka.
Impahla ehlala ixesha elide ikwinqanaba lesibini ngobukhulu phakathi kwama-50% elona qela linemivuzo iphantsi, kwi-US$24,000 kwikhaya ngalinye, njengezithuthi, izixhobo zombane kunye neeselfowuni (umgca oluhlaza). Kwiinyanga ezili-12 ezidlulileyo, abantu basebenzise inkxaso-mali karhulumente ukuthenga iimoto, nto leyo enyuke nge-2,500 yeedola nezinye izinto.
Izitokhwe kunye neengxowa-mali ezihlangeneyo ziluhlu oluncinci lwempahla, kunye ne-$ 1,356 kuphela kwikhaya ngalinye (umgca obomvu). I-50% esezantsi ayinakuxhamla kwiinzame ze-Fed zokunyusa i-stock market. Oku kugcinelwe i-10% ephezulu:
Imfundiso "yefuthe lobutyebi"-ukwenza abatyebi batyebe ngakumbi, ukubavumela ukuba bachithe imali encinci, uguqulelo lokugqibela lwe-economics trickle-down-kudala isisiseko esisemthethweni somgaqo-nkqubo wezemali weFederal Reserve kwaye uvele kwiindawo ezininzi zeFederal Reserves. . Kubandakanya iphepha likaJanet Yellen xa wayengusihlalo weSan Francisco Federal Reserve Bank. Kwi-2010, uBen Bernanke, usihlalo we-Federal Reserve, wachaza le ngcamango kubantu baseMerika kwi-editorial kwi-Washington Post. NgoMatshi ka-2020, uSihlalo weFederal Reserve uJerome Powell (uJerome Powell) ngobulumko wakhetha ukungalisebenzisi igama elithi “impembelelo yobutyebi”, kodwa endaweni yoko wacebisa esakhe isigama, enyusa isiphumo sobutyebi kwelona nqanaba limangalisayo, njengawe. umzobo ubonisa itshati yokuqala.
Abemi baseUnited States bebekhula iminyaka emininzi. Ngokutsho kwe-Census Bureau, kwakukho imizi ye-126 yezigidi e-United States kwikota yokuqala, ukusuka kwi-105 yezigidi zemizi ngo-2000. Ngokwenkcazo, zonke iindidi zikhulile kule minyaka ye-20. Ke ewe, ekuhambeni kweminyaka, i-1% yemizi yongeze amakhaya angama-210,000, Haleluya. Kodwa ama-50% asezantsi-abahluphekayo bongeze amakhaya azizigidi ezili-10.5.
Kwiinyanga ezili-12 eziphela kwikota yokuqala, ubutyebi be-1% yamakhaya bunyuke nge-$ 7.9 yezigidi. Ubutyebi be-50% ephantsi bunyuke nge-10,600 yeedola. Umsantsa wobutyebi phakathi kwabo uye wanda nge-US$7.9 yeebhiliyoni.
Kwiminyaka engama-30 edlulileyo, umsantsa wobutyebi phakathi kwe-1% kunye ne-50% ephantsi iye yanda ngamaxesha amathandathu, ukusuka kwi-5 yezigidi zeedola zase-US kwikhaya ngalinye ngo-1990 ukuya phantse kwi-33 yezigidi zeedola zase-US ngoku, inxalenye enkulu ye-12 edlulileyo. iinyanga. Enkosi kwiipolisi ezingadinwayo zeFederal Reserve:
Esi sisiphumo esothusayo kodwa esamkelwe ngokupheleleyo somgaqo-nkqubo wezemali weFederal Reserve. Akukho mntu uvumelekileyo nokuba ayibuze. Yamkelwa ngenxa yokuba i-10% ephezulu efana nale, kubandakanywa namalungu eCongress, ngokwenene banokwenza into malunga nayo, kwaye ngenxa yokuba i-50% ephantsi ayiyazi ngayo, kwaye ayiyiqondi into eyenziwa yi-Fed kubo. kwaye uxakekile usinda kwiphupha elibi lalo msantsa.
Uyathanda ukufunda iWOLF STREET kwaye ufuna ukuyixhasa? Sebenzisa i-ad blocker-Ndiyasiqonda ngokupheleleyo isizathu-kodwa ufuna ukuxhasa indawo? Unganikela. Ndinombulelo. Cofa kwi-beer kunye ne-ice tea cup ukuze ufunde ukuba:
“Obu bubungqina bokuba lo mdlalo uphenjelelwe. Nokuba usebenza iiyure ezingama-26 ngosuku kwaye utya iramen kunye namanzi kuphela, awukwazi ukusondela kolu lwando lobutyebi bomntu”
I-Fed iye yaphelisa amandla abantu okufikelela uhlobo oluthile lozinzo lwezemali ngokuzisindisa ... oku kudla ngokuba linyathelo lokuqala. Ukonga kubuyela umva, ukuqala ngo-2009… Kuyahlekisa oku! Ugcino luphelile. Ithuba lokuba nendlu yokuqala lincinci kakhulu. Ukwenza utyalo-mali kwisitokhwe esinexabiso elifanelekileyo... I-Fed ichaze kakubi yonke into abayichukumisileyo...
Ngokomlando, inzala ngeli xesha kwimbali kufuneka ibe ngaphezu kwe-5%, kuba nawuphi na umtyalo-mali okanye umlondolozi we-hemi-brained uyazi ukuba ngokuhamba kwexesha, kufuneka abethe izinga lokunyuka kwamaxabiso onyaka ukuze akhokele ngokwenene. Xa i-arhente karhulumente evukelayo ivunyelwe ukuba ibeke ngokusesikweni izinga lenzala engaphantsi kwexabiso lokwenyuka kwamaxabiso, yongeza ubuncinci be-30% kwi-CPI exeliweyo ukuze usondele kweli nqaku, kwaye iintlobo ezahlukeneyo zeenguqu ziya kubonakala kuqoqosho lwase-US. umahluko.
Xa nabani na onemvelaphi ye-accounting ejonga idatha kunye neetshathi ezingentla, uyaqaphela ubuthathaka bedatha ye-Federal Reserve ukususela ekuqaleni. Izinto ezibizwa ngokuba yi-asethi ezifana ne-real estate kunye ne-stocks / bonds azitshixwanga kumaxabiso, kodwa ziyahluka kakhulu ngokunyuka kunye nokuhamba kweemarike zabo. Ndihlala ndisithi xa kuqwalaselwa ii-asethi ezishiyekileyo, ezi asethi eziguquguqukayo kufuneka zisikwe ukubonisa amandla azo okuya emazantsi nangasentla.
Ngokufanayo, iimoto, izixhobo zombane, kunye neefowuni eziphathwayo ziyancipha i-asethi, ezinokuxatyiswa kuphela ngexabiso lemarike yangoku kuneendleko.
Ah, kodwa kwicala letyala le-net value equation, indibaniselwano yemali-mboleko, imali-mboleko yemoto, imali-mboleko yobuqu, imali mboleko yomfundi, kunye netyala lekhadi letyala sisixa esithile. Ayiyi kuhamba, libala bull market ububhanxa yale ntlawulo ukumiswa ityala ngokungekho mthethweni nje ezinamava, xa icala asset of the equation ubuyela ngokwembali avareji izinga ixabiso ixabiso (ngokusebenzisa ibhere market okanye, ngenxa yoko, ukuwa).
Iqamza lihlala ligqabhuka. Xa isidenge sokugqibela sidubula ibhola ePowell Casino, abanye abadlali baqala ngokucofa iqhosha elithi “thengisa” baze ngokomfuziselo baleqe ukuya ekuphumeni. I-Bitcoin kunye nezinye i-Crypto-Cruds ziyimizekelo egqibeleleyo yokudinwa ekuthengeni kumaxabiso aphezulu.
Nabani na oneedola ezilishumi unokuthenga ikhomishini yesitokhwe mahala. Nangona i-8% okanye i-10% yemivuzo yonyaka, abatyali-mali be-blue collar abanakukwazi ukuqhubeka nokunyuka kwamaxabiso. Kwi-50% yabantu abangenampahla, ukunyuka kwamaxabiso kuyahluka. Ukuba udlala phantsi i-equity kule marike yamandla ahlaziyekayo, ngoko uqhuba kakuhle wedwa. Amandla ahlaziyekayo aseyimpembelelo yokwenene yobutyebi boluntu, into entle. I-Fed ibhengeza ubungxowankulu ukuze iMelika ikwazi ukuqhubeka nokukhupha iitalente zehlabathi. Ukuba asizivumeli iitalente zamaTshayina ziphele ngoku, kuya kubakho ingxaki. Okulandelayo sinemfazwe encinci, kwaye ke uyazi ukuba zonke izazinzulu zaseTshayina zikwilabhoratri yethu. Kwangaxeshanye, aba bazizityebi baya eNew Zealand okanye eSingapore, apho babhalela iintsapho zabo iileta ezinetyhefu. Baqinisekile ukuba iUnited States iya kuba yiScandinavia. Nje ukuba ube sisityebi eUnited States, akukho mntu uya kukukhathaza. Abazange baqaphele ukuba ucango olujikelezayo lunokuhamba ngendlela enye, kodwa bayaqonda ukuba ukuthanda izwe kunceda amahlwempu. Emva koko, amahlwempu ashukumisa izinto ngamaxesha athile.
Astor, Vanderbilt, Morgan, Rockefeller, Carnegie, Frick, Fisk, Cook, Duke, Hearst, Mellon, ukukhankanya ezimbalwa.
Ekuphela kwexesha endicinga ngalo abantu abazizityebi bebeka ilizwe ngaphezu kwezilangazelelo zabo kukwixesha lokusekwa. IWashington, Jefferson, Madison, Hancock, Adams, Franklin, njl. Bonke abantu abazizityebi ababeka ubomi babo engozini kunye nobutyebi babo.
Akuzange kuhlale ixesha elide. Iriphabliki entsha idinga inkxaso-mali. Ifuna abatyali-mali ukuba bathenge iibhondi zayo. Ngombulelo kwiinzame zikaHamilton, imboni yezemali yase-US yamkelwe ngabatyalo-mali bangaphandle. Kodwa izinto ezothusayo, ezothusayo, ezothusayo, njengoko uGomelpel omkhulu wayesoloko esitsho, abantu abeza emarikeni kuqala, abantu abanobutyebi obubalulekileyo bafumana iimpahla, ngakumbi kuMntla-mpuma. Kukho ucalucalulo olukhulu, kwaye ucalucalulo lujoliswe kwizinhanha. Ikwenza ukuba uxhase uAron Burr.
Ngokokwazi kwam, akukho namnye kwinzala yeentsapho ozikhankanyileyo ongamabhiliyoni. Awuyi kufumana nayiphi na iDuPont okanye iFord kuludwe lweForbes 400. Ngapha koko, uninzi lwabantu abazizityebi kweli lizwe namhlanje banemvelaphi eqhelekileyo yomgangatho ophakathi, kodwa bayawasebenzisa amathuba akhoyo. Abanye bangamahlwempu. Omnye wabafundi endandifunda nabo kwisikolo soshishino wayedla ngokunxiba iimpahla zomkhosi phantse kuzo zonke iiklasi. Wathabatha umhlala-phantsi enesinhanha samakhulu ezigidi zeerandi.
Sineenkokeli ezivela kwiintsapho eziphakamileyo ezibeka ilizwe phambili ngexesha leMfazwe Yehlabathi yesiBini. Jonga eli lungu losapho lakwaRoosevelt:
https://www.historynet.com/teddy-roosevelt-jr-the-officer-who-stormed-normandy-with-nothing-but-a-cane-and-a-pistol.htm
Ngaba unokuba nomfanekiso-ngqondweni wakho nabani na *kulo naluphi na usapho* lweshishini lethu elikumgangatho ophezulu efika eNormandy?
UHancock akakho emva kwesehlo seBoston Tea, kuba le mpahla iya kukhuphisana neti yakhe?
Ngaphandle kwembono yakho, kutheni kungekho mfanekiso kaThomas Paine? Emva kokuba eyisele amahlwempu ukuba izinto zaziya kwahluka waza wabakhuthaza ukuba balwe, babandezeleke baze bafe ngenxa yokwahlukana, kwakutheni ukuze igama lakhe libe mdaka?
Asizange sibe “nenguquko”, sitshintshe nje abaphathi. Ndikrokrela ukuba uHancock uchitha ixesha lakhe elininzi esela iti, kwaye abanye abantu abazizityebi banjalo. Khangela amathuba obutyebi obuninzi, njengoko uAnon 1970 wachazayo… amakhulu ezigidi, eh? Ndicinga ukuba eli asilonqaku lokulahla obu buvuvu.
Ndiyathemba ukuba ndingafumana izimvo zakho "kwimibutho karhulumente ekhethiweyo". Ilungile kwaye ifanelekile kakhulu.
Hayi indlela ekuswele ngayo ulwazi nokukha phezulu! Imbali (kunye nembali, ndinokongeza…) yenye yeendlela ezininzi esizifundayo kumzamo wokufumana iingxaki / iingxaki / iimfihlakalo ezininzi ebomini, kubandakanya nombono oqhelekileyo "wobuntu" (Nangona ndiyathandabuza ukuba kukho iklasi ngaphakathi ... ayicacanga kakhulu). Iinkolelo zenkcubeko/iinqobo zokuziphatha okanye eyethu ibhayoloji yamandulo? "Ingxaki yokuzalwa / yokukhulisa" ehlala iphetshwa! Okulusizi kukuba, abanye abantu abakwazi nje ukwamkela into engaziwayo ngengqondo baze balandele izikhokelo zokutya zabanye abantu, okanye bafundiswe kwakudala ngaphambi kokuba babe nelizwi ebomini babo.
Esi sivakalisi ngandlel 'ithile sithetha ukuba unendawo kwimo ekhoyo, ulandelelwano lwe-pecking, itshathi yeNgcuka, njl., kodwa...
AmaGrike amandulo (umthombo wezona ngcamango ziphambili) ziphikisana ngokungapheliyo "yintoni ubomi obulungileyo". Abakholelwa ukuba naluphi na “ubuntu” buzinzile. Kutheni le nto kufuneka senze oku?
Ndibeke kwikholamu HAYI kunye nabantu abasezantsi, nangona ndingekho mbi njengabantu abaninzi. Kufuneka kujongwane nayo, njengokutshintsha kwemozulu kunye nenkcazelo yethu yangoku "yobomi obulungileyo".
Ndicinga iqhinga le-barbell-ifolokhwe ende kunye nentambo kwelinye icala; amakhamandela nesonka esimhlophe kwelinye. Awazi ukuba siya kuhamba ngaphi na, kodwa siyazi ukuba iya kuba gqithi.
Kusekho ingxaki, iifowuni eziphathwayo zidweliswe njenge-asethi kwaye zithathwa njengenxalenye yobutyebi bomntu. Yifowuni ephathwayo
Ixesha lokuposa: Jul-16-2021