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Banki nkuru y’igihugu uyu munsi yashyize ahagaragara amakuru yo gukwirakwiza umutungo mu gihembwe cya mbere cy’umwaka wa 2021. Ibi birerekana ko politiki y’ifaranga rya Federasiyo yaguye mu kwagura ikinyuranyo kinini hagati y’abakire n’abakene bitigeze bitekerezwa muri Amerika. Amakuru ya Federasiyo akubiyemo 1%, 9% akurikira, 40% akurikira, na 50% byumutungo wurugo. Hasi 50% -igice cyabatuye muri Amerika-ni abakene, kandi ntibaniyandikishije kuri "monite-monite moniteur" kubera ko badafite amafaranga ahagije.
1% by'ingo zingana na miliyoni 126 zo muri Amerika (ni ukuvuga ingo miliyoni 1.26) ni bo bungukirwa n’ibikorwa bya Federasiyo. Mu mpera z'igihembwe cya mbere, umutungo wabo wose wari tiriyari 41.5 z'amadolari ya Amerika, ugereranije na miliyoni 32.9 US $ kuri buri rugo. Mu mezi 12 ashize, umutungo wa buri muryango wabo wiyongereyeho miliyoni 7.9.
“Ibikurikira 9%” by'ingo zikize zifite impuzandengo ya miliyoni 4.3 z'amadolari ya Amerika byiyongereyeho 708.000 US $ kuri buri rugo mu mezi 12. “40% iri imbere” ifite impuzandengo ya US $ 725.000 kuri buri rugo n'ubutunzi bwa $ 98,000.
Ku isonga ryurutonde hari imiryango 30 ikize yabanyamerika. Kuva Bezos kugera Icahn, Musk iri kumwanya wa kabiri. Nk’uko byatangajwe na Bloomberg Billionaires Index, umutungo wose w’iyi miryango 30 ni miliyari ebyiri z'amadolari ya Amerika, naho umutungo ugereranyije wa buri muryango ni miliyari 67 z'amadolari y'Amerika. Nibo batsinze byimazeyo politiki yifaranga rya Federasiyo.
Hasi 50% ntanubwo bafite ububiko. Gusa ijanisha rito muribo bafite imitungo itimukanwa, kandi bafite imigabane mike cyane mumitungo itimukanwa. Ariko bafite imyenda myinshi. Ntabwo 50% yo hasi gusa itirengagijwe ningaruka zubutunzi bwa Federasiyo - bagomba no kuyishyura mugiciro kinini.
Impuzandengo ya buri muryango mu miryango yabo ni US $ 42.000, ikubiyemo ibicuruzwa biramba nk'imodoka, TV, imashini imesa na terefone zigendanwa. Mu mezi 12 ashize, umutungo wabo wiyongereyeho amadorari 10,000 gusa, amenshi muri yo akaba atari ayo muri Banki nkuru y’igihugu, ahubwo yaturutse mu kigega cya leta cyo gukangurira. Barazigama, bishyura amakarita yinguzanyo cyangwa bayakoresha kubicuruzwa biramba.
Hasi ya 50%, hari kandi itandukaniro rinini. Imiryango yo mu rwego rwo hejuru irashobora gutunga inzu isanzwe, kandi ntishobora kwishyura gusa inguzanyo nini, ntoya 401k, hiyongereyeho imodoka nziza nibindi bicuruzwa biramba, ukuyemo inguzanyo yimodoka, inguzanyo zabanyeshuri, hamwe nideni ryamakarita yinguzanyo. Abo ni abanyamahirwe hepfo 50%. Ariko iki cyiciro kirimo kandi abakene bakennye cyane.
Imbonerahamwe ikurikira irerekana ubutunzi bwo hepfo 50% (umurongo utukura) munsi ya "40% ikurikira" (umurongo wicyatsi). “Ubutunzi” bwo hasi ya 50% bwiyongereyeho $ 14,000 gusa mu myaka 20, hatitawe ku guta agaciro kw’ifaranga, muri ryo amadorari 10,600 yabaye mu mezi 12 ashize, bitewe no kwishyura.
Hasi 50% y "ubutunzi" igizwe n $ 122.500 mumitungo ukuyemo amadolari 81.000. Umwenda w'inguzanyo wasangaga igice kinini cy'umwenda, ariko umwenda w'abaguzi - umwenda w'amakarita y'inguzanyo, inguzanyo z'imodoka, n'inguzanyo z'abanyeshuri - warenze umwenda w'inguzanyo muri 2018:
Umutungo utimukanwa uri munsi ya 50% niwo mutungo munini, ku madorari 61.500 kuri buri rugo (umurongo wirabura ku gishushanyo kiri hepfo), umwenda w’inguzanyo ni 39.000 $, naho inzu ni 22.500 $. Ibi bivuze ko ugereranije ingo nke ziri munsi ya 50% zifite imitungo itimukanwa. Ugereranije, umutungo utimukanwa w’iyi miryango ni $ 3000.
Iyo politiki yubutunzi bwa Federasiyo izamuye isoko ryimitungo itimukanwa, abantu benshi bari munsi ya 50% ntibazunguka namba kuko badafite amazu. Ariko barimo kwishyura ingaruka zubutunzi kuko ibiciro byabo, harimo n'ubukode, biriyongera.
Ibicuruzwa biramba nicyiciro cya kabiri kinini muri 50% byitsinda ryinjiza amafaranga make, kuri US $ 24,000 kumurugo, nkibinyabiziga, ibikoresho byamashanyarazi na terefone zigendanwa (umurongo wicyatsi). Mu mezi 12 ashize, abantu bakoresheje inkunga ya leta mu kugura imodoka, yiyongereyeho amadorari 2500 n'ibindi.
Imigabane hamwe na mutuelle nicyiciro gito cyumutungo, hamwe $ 1,356 gusa murugo (umurongo utukura). Hasi 50% gusa ntishobora kungukirwa nimbaraga za Federasiyo yo kuzamura isoko ryimigabane hejuru. Ibi bihariwe hejuru ya 10%:
Inyigisho y "ingaruka zubutunzi" -kugira abakire bakize, kubareka bagakoresha amafaranga make, verisiyo yanyuma yubukungu bwifashe nabi-kuva kera ni ishingiro ryemewe rya politiki y’ifaranga rya Banki nkuru y’igihugu kandi yagaragaye muri Banki nkuru y’igihugu. . Harimo impapuro za Janet Yellen igihe yari umuyobozi wa banki nkuru yigihugu ya San Francisco. Mu mwaka wa 2010, Ben Bernanke, umuyobozi wa Banki nkuru y’igihugu, yasobanuriye abanyamerika iki gitekerezo mu nyandiko yasohotse mu kinyamakuru Washington Post. Muri Werurwe 2020, Umuyobozi wa Banki nkuru y’igihugu, Jerome Powell (Jerome Powell) yahisemo ubwenge adakoresha ijambo "ingaruka z’ubutunzi", ahubwo yasabye ijambo rye bwite, azamura ingaruka z’ubutunzi ku rwego rwiza cyane kuruta izindi zose, nkawe Umurongo w'icyatsi urimo igishushanyo cyerekana imbonerahamwe ya mbere.
Abaturage ba Amerika biyongereye imyaka myinshi. Nk’uko ibiro bishinzwe ibarura bibitangaza, mu gihembwe cya mbere muri Leta zunze ubumwe z’Amerika hari ingo miliyoni 126, aho zavuye mu ngo miliyoni 105 mu 2000. Nkurikije ibisobanuro, ibyiciro byose byiyongereye muri iyi myaka 20. Yego rero, uko imyaka yagiye ihita, 1% ingo zongeyeho ingo 210.000, Halleluya. Ariko hepfo 50% -abakene bongeyeho ingo miliyoni 10.5.
Mu mezi 12 arangira mu gihembwe cya mbere, umutungo w’ingo 1% wiyongereyeho miliyoni 7.9. Ubutunzi bwo hasi 50% bwiyongereyeho $ 10,600. Ikinyuranyo cyubutunzi hagati yabo cyiyongereyeho miliyari 7.9 USD.
Mu myaka 30 ishize, ikinyuranyo cy’ubutunzi kiri hagati ya 1% na 50% yo hasi cyiyongereyeho inshuro esheshatu, kiva kuri miliyoni 5 z’amadolari y’Amerika kuri buri rugo mu 1990 kigera kuri miliyoni 33 z’amadolari y’Amerika ubu, igice kinini cyacyo kikaba kiri mu myaka 12 ishize amezi. Ndashimira politiki idacogora ya Banki nkuru yigihugu:
Iki nigisubizo gitangaje ariko cyemewe rwose cya politiki yifaranga rya Banki nkuru yigihugu. Nta muntu n'umwe wemerewe kubibariza. Biremewe kuko 10% byambere nkibi, harimo nabagize Kongere, mubyukuri barashobora kugira icyo babikoraho, kandi kubera ko 50% yo hasi batabizi, kandi ntibumva icyo Fed yabakoreye Niki, kandi arahuze kurokoka inzozi ziki cyuho.
Ukunda gusoma UMUHANDA W'IMBORO kandi ushaka kubishyigikira? Koresha iyamamaza-Ndumva neza impamvu-ariko ushaka gushyigikira urubuga? Urashobora gutanga. Ndishimye. Kanda kuri byeri hamwe nicyayi cyicyayi kugirango umenye uko:
Ati: “Ibi ni ibimenyetso byerekana ko umukino wakoreshejwe. Nubwo wakora amasaha 26 kumunsi ukarya ramen n'amazi gusa, ntushobora kwegera uku kwiyongera k'umutungo bwite ”
Fed yakuyeho ubushobozi bwabantu kugirango bagere kumutungo runaka mukwikiza… iyi niyo ntambwe yambere. Kuzigama bigenda bisubira inyuma, guhera muri 2009… Ibi birasekeje! Kuzigama byarangiye. Amahirwe yo gutunga inzu yambere ni nto cyane. Gushora mu biciro bihendutse… Fed yagaragaje nabi ibyo bakoze byose…
Amateka, igipimo cyinyungu muri iki gihe cyamateka kigomba kuba hejuru ya 5%, kubera ko umushoramari cyangwa umutekamutwe wese ufite ubwonko azi ko igihe kirenze, agomba gutsinda igipimo cy’ifaranga ngarukamwaka kugira ngo ayobore rwose. Mugihe ikigo cya leta cyigometse cyemerewe gushyiraho igipimo cyinyungu kiri munsi yikigereranyo cy’ifaranga nyaryo, ongera byibuze 30% kuri CPI yatangajwe kugirango wegere iyi ngingo, kandi impinduka zitandukanye zizagaragara mubukungu bwamerika. itandukaniro.
Iyo umuntu wese ufite ibaruramari areba amakuru nimbonerahamwe iri hejuru, amenya intege nke zamakuru ya Banki nkuru yigihugu. Ibintu byitwa umutungo nkumutungo utimukanwa hamwe nububiko / ingwate ntabwo bifunze mubiciro, ariko biratandukanye cyane nibigenda byiyongera kumasoko yabo. Nahoraga mvuga ko mugihe dusuzumye umutungo utimukanwa, uyu mutungo uhinduka ugomba kugabanywa kugirango ugaragaze ubushobozi bwabo bwo kwerekeza mumajyepfo no mumajyaruguru.
Mu buryo nk'ubwo, ibinyabiziga, ibikoresho by'amashanyarazi, na terefone zigendanwa bitesha agaciro umutungo, ushobora kugurwa gusa ku giciro kiriho aho kuba ikiguzi.
Ah, ariko kuruhande rwimyenda yumutungo ufite agaciro kangana, guhuza inguzanyo, inguzanyo yimodoka, inguzanyo kugiti cyawe, inguzanyo yabanyeshuri, hamwe namakarita yinguzanyo ni umubare runaka. Ntabwo bizashira, wibagirwe isoko yimfizi idafite ishingiro yuku kwishyura umwenda utemewe n'amategeko byabayeho, mugihe uruhande rwumutungo uringaniye rugarutse kumateka yarwo yo kugereranya ibiciro (binyuze mumasoko y'idubu cyangwa, kubwibyo, impanuka).
Igituba gihora giturika. Iyo umuswa wanyuma arashe umupira we muri Powell Casino, abandi bakinnyi byanze bikunze batangira gukanda buto "kugurisha" hanyuma mu buryo bw'ikigereranyo bihutira gusohoka. Bitcoin hamwe na Crypto-Cruds ni urugero rwiza rwo kunanirwa kugura ibiciro biri hejuru.
Umuntu wese ufite amadorari icumi arashobora kugura komisiyo yimigabane kubuntu. Ndetse hamwe na 8% cyangwa 10% byinjiza buri mwaka, abashoramari b'ubururu ntibashobora kugumana n'ifaranga. Kuri 50% byabantu badafite umutungo, inflation iratandukanye. Niba ukina uburinganire muri iri soko ryingufu zishobora kuvugururwa, noneho uba ukora neza wenyine. Ingufu zisubirwamo ziracyari ingaruka zubutunzi nyabwo bwabaturage, nibyiza. Fed yamamaza capitalism kugirango Amerika ikomeze guta impano zisi. Niba tutaretse impano zishinwa zishira nonaha, hazabaho ikibazo. Ubutaha dufite intambara nto, hanyuma umenye ko abahanga bose b'Abashinwa bari muri laboratoire yacu. Muri icyo gihe, abakire ba paranoide bagiye muri Nouvelle-Zélande cyangwa Singapuru, aho bandikira imiryango yabo amakaramu y'uburozi. Bazi neza rwose ko Amerika izahinduka Scandinavia. Numara kuba umukire muri Amerika, ntawe uzagutesha umutwe. Ntabwo bigeze babona ko umuryango uzunguruka ushobora kugenda inzira imwe, ariko bamenye ko gukunda igihugu bikorera abakene. Noneho, abakene bahindagura ibintu rimwe na rimwe.
Astor, Vanderbilt, Morgan, Rockefeller, Carnegie, Frick, Fisk, Cook, Duke, Hearst, Mellon, kuvuga amazina make.
Igihe cyonyine ntekereza kubakire bashyira igihugu hejuru yinyungu zabo ni mugihe cyo gushinga. Washington, Jefferson, Madison, Hancock, Adams, Franklin, nibindi byose ni abakire bashyira ubuzima bwabo mu kaga n'ubutunzi.
Ntibyatinze. Repubulika nshya ikeneye inkunga. Irasaba abashoramari kugura ingwate zayo. Kubera imbaraga za Hamilton, inganda z’imari zo muri Amerika zakiriwe n’abashoramari b’amahanga. Ariko gutungurwa, gutungurwa, gutungurwa, nkuko Gomelpel ukomeye yakunze kubivuga, abantu baza ku isoko mbere, abantu bafite ubutunzi bukomeye babona ibicuruzwa, cyane cyane mu majyaruguru y'uburasirazuba. Hariho gutonesha gukomeye, kandi gutonesha bigamije abakire. Ubwoko butuma ushyigikira Aaron Burr.
Nkuko mbizi, ntanumwe mubakomoka mumiryango mwavuze numuherwe. Ntushobora kubona DuPont cyangwa Ford kurutonde rwa Forbes 400. Mubyukuri, benshi mubantu bakize mu gihugu muri iki gihe bafite amateka asanzwe yo mu rwego rwo hagati, ariko bakoresha amahirwe ahari. Bamwe ni abakene rwose. Umwe mu bo twigana mu ishuri ry’ubucuruzi yakundaga kwambara imyenda ya gisirikare hafi ya buri cyiciro. Yasezeye afite umutungo wa miliyoni amagana.
Dufite abayobozi bo mu miryango y'indashyikirwa bashyize igihugu imbere mu Ntambara ya Kabiri y'Isi Yose. Reba uyu munyamuryango wumuryango wa Roosevelt:
https://www.amateka.com
Urashobora kwiyumvisha umuntu uwo ari we wese * mumuryango * wintore zacu cyangwa abanyapolitiki bakomeye binjira muri Normandy?
Hancock ntabwo ari inyuma yicyayi cya Boston, kuko ibyoherezwa bizahangana nicyayi cye?
Usibye uko ubibona, kuki nta shusho ya Thomas Paine? Amaze kwemeza abakene ko ibintu bitandukanye kandi akabashishikariza kurwana, kubabara no gupfa kubitandukaniro, kuki izina rye ryabaye umwanda?
Ntabwo twagize "revolution", twahinduye ubuyobozi. Ndakeka cyane ko Hancock amara igihe kinini anywa icyayi, kandi abakire bamwe bameze gutya. Shakisha amahirwe kubutunzi bwinshi, nkuko Anon 1970 yabisobanuye… miliyoni amagana, eh? Ntekereza ko iyi atari ingingo yo guta ibyo bidafite ishingiro.
Nizere ko nshobora kubona ibitekerezo byawe kuri "imiryango ya leta yatoranijwe". Nibyiza cyane kandi bifite akamaro.
Mbega ubujiji kandi burenze! Amateka (hamwe namateka, nshobora kongeraho…) nimwe gusa mubyiciro byinshi twiga mugushaka kumenya ibibazo / ibibazo / amayobera mubuzima, harimo igitekerezo rusange cyerekeye "ubumuntu" (Nubwo nkeka niba hariho icyiciro imbere… kidasobanutse). Imyizerere yumuco / indangagaciro / imyitwarire cyangwa ibinyabuzima byacu byambere? "Ikibazo kavukire / kurera" gihora kirindwa! Ikibabaje ni uko abantu bamwe badashobora kwemera ibitazwi mumutwe bagakurikiza amabwiriza yimirire yabandi, cyangwa bigishwa kera mbere yuko bagira icyo bavuga mubuzima bwabo.
Iyi nteruro isobanura bimwe ko ufite umwanya muburyo, uko gutondeka, imbonerahamwe ya Wolf, nibindi, ariko…
Abagereki ba kera (isoko ya "ibitekerezo" byacu byibanze) bahoraga impaka zidashira "ubuzima bwiza". Ntabwo bizera ko "ubumuntu" ubwo aribwo bwose. Kuki tugomba kubikora?
Unshyire muri OYA inkingi nabantu hepfo, nubwo ntari mubi nkabantu benshi. Igomba gukemurwa, kimwe n’imihindagurikire y’ikirere hamwe n’ubusobanuro dufite kuri ubu “ubuzima bwiza”.
Ndatekereza kuri stratégies ya barbell-ikibuga kirekire kandi umutego kuruhande rumwe; ingoyi n'umugati wera kurundi. Ntabwo uzi inzira tuzanyuramo, ariko tuzi ko bizaba bikabije.
Haracyari ikibazo, terefone zigendanwa zashyizwe ku rutonde nkumutungo kandi zifatwa nkigice cyumutungo bwite. Ni terefone igendanwa
Igihe cyo kohereza: Nyakanga-16-2021