VaThai, vanhu vane hupfumi
Ehe, vazhinji vekuThai vanokwereta kupfuura kuchenjera. Kazhinji kune (zvakare) motokari inodhura, asi kunyange kakawanda kunze kwekudikanwa, semuenzaniso wezvidzidzo zvevana, kutenga fetiraiza, kutanga kwebhizimisi duku kana kuti mari isingatarisirwi.
Izvo zvakare zvinopesvedzera mufananidzo inyaya dzinogara dzichitenderera dzekuti Thai haatarise kumberi kupfuura nhasi uye izvi zvinoratidzwa nenyaya dzemabhawa avo - kunyangwe dambudziko reCovid risati rasvika - vaive nemari yakawanda asi uko mari yakabuda kunze. mukova nyore nyore. Asi vazhinji veThais vanofanirwa kushandira mari yavo nesimba uye nekudaro vanoona kukosha kwemari, kunyange kupfuura avhareji farang anoita. Uye munharaunda mavo vanoonawo isingaverengeki mienzaniso yevanhu vanofanirwa kurarama ne600 baht pamwedzi mukuchembera kwavo kana vakasiiwa vasina simba nekuda kwezvimhingamupinyi muhupenyu uye nekushaya mabasa munharaunda. Avo veThai vanoda kuzvidzivirira panjodzi yakadai nekuisa chimwe chinhu parutivi nguva nenguva, kana zvichibvira. Ndichapa mimwe mienzaniso yeizvi.
Semuenzaniso, ini ndinoziva mubatsiri mudzidzisi ane mari pamwedzi yegumi 10.000 baht. Zvakatomukwanira nekuti anogara akapfuma, achiri kugara nevabereki vake uye haana mwana. Anopa mari kubva pamari yake kashoma pasvondo kune vanoyamura kubva kuvanhu vakarasikirwa nemisha yavo kupfuta nzou dziri kufa nenzara uye zvechokwadi masangano anodiwa echiBuddha. Anoisawo mari muhomwe yehupfumi ine 4% yekudzoka, iyo yaanowana semudzidzisi. Parizvino ari kuita course yeinvestment nekuti anodawo kuisa mari mumashares. Ndinozivawo mwana wechikoro ari mugore rake rekupedzisira uye akatotenga mamwe mashares. Iyi ingori mienzaniso miviri chete, asi zvinoshamisa kuti ivo vese vakandiudza izvi zvisina kukumbirwa, vakazvimirira vega. Zvichida maitiro pakati pevechidiki muThailand vane dzidzo yakanaka.
Vakwegura
Ini handikwanise kupa chero mienzaniso yevanhu vakura munharaunda yangu (Isaan) vanoisa mari mumasheya. Vanowanzo chengetedza nenzira yakasiyana. Semuenzaniso, ndinoziva murume nemukadzi vakura uko murume ane mari inofungidzirwa ye30.000 baht uye mukadzi, semugadziri webvudzi, pamwe anowanawo kupfuura mari shoma. Kuwedzera pakutenga motokari, vanopota vachitenga dzimwe nzvimbo sechibatiso cheukweguru hwavo. Asi mhuri dzevarimiwo dzinoitawo izvi kana dziine nzira dzekuzviita. Somuenzaniso, kune imwe mhuri uko, kunze kwokurima mupunga wake, murume anoshandawo somutyairi werori uye mudzimai wake anotengesa muriwo pamisika yomunzvimbomo. Asi ivo vanokwanisawo kutenga imwe nzvimbo yekuwedzera nguva nenguva.
Asi pasina mubvunzo iyo inonyanya kufarirwa yekurega basa muThailand igoridhe. Uye pane zvikonzero zvakawanda zveizvi. Semuenzaniso, kune anenge asina mapazi emabhangi kumaruwa uye vazhinji Thais vanogara kumaruwa havatomboshanyi maguta. Goridhe rinobva rashandiswa seimwe nzira yakanaka kune account yekubhangi. Muguta guru repurovhinzi senge Ubon chete, kune akawanda ezvitoro zvegoridhe kwaunogona kutenga asiwo nekutengesa goridhe, uko musiyano pakati pekutenga nekutengesa mutengo unongori 3% chete mune yemari uye zvishoma zvishoma kune anonyanya kufarirwa cheni. . Goridhe iroro rinogonawo kuchinjaniswa kwenguva pfupi nemari kune pawnbroker kana kushanda sechibatiso chechikwereti kubva kune vanozivana. Semuenzaniso, takambogamuchira cheni yegoridhe tisina kukumbirwa sechibatiso chechikwereti. Nechibatiso chakadaro iwe unogona zvechokwadi kuve nechokwadi chekuti uchadzoserwa mari yako. Ndarama yakazviratidza semari yakagadzikana kweanenge makore 3000, kunyange zvazvo iri pasi pekuchinja kwemitengo. Kunze kwezvo, ndiani anoziva kuti goridhe rakaunza zvibereko zvakakwirira kudarika chero musika wemari muzana rino remakore? Uye nematanho azvino akanyanya kutorwa nemabhanga mazhinji epakati, unogona kutarisira kuti maitiro acho achaenderera mberi kwemakore anotevera.
Ndarama
Chero ani zvake anopokana avhareji yemuridzi wegoridhe weThai anga asiri kuterera uye akapotsa mitsetse pazvitoro zvegoridhe mumwedzi ichangopfuura. Vanhu vaive mumitsetse iyi vaivepo vachitengesa goridhe ravo uye goridhe racho raive rakawanda zvekuti zvimwe zvitoro zvegoridhe zvakatozovharwa nekuti vaive vasisina mari yekutenga goridhe. Goridhe iro rakazotengeswa kuSwitzerland, pakati pevamwe (nepo Thailand inowanzo tenga goridhe kunze kwenyika) uye muhuwandu hukuru zvekuti, maererano neCentral Bank yeThailand, yaive nechikamu chikuru mukutengeserana kwakanaka kweThailand mumwedzi iyoyo uye kunyange. zvakakonzera kukwira kuri pachena kwebhaht. The Bangkok Post yakatsanangura kuti kugoverwa kukuru kwegoridhe kubva pamutengo wakakwirira wegoridhe. Vanhu veThai vaizotenga goridhe kana yakachipa uye vachitengesa kana ichidhura, kusiyana nevazhinji vanoita mari yekuMadokero vanongotanga kutenga kana yave kukwira kwechinguva. Iyo Bangkok Post haina mubvunzo nezve izvi, asi ingori tsananguro shoma.
Chikamu chikuru chekutengesa pasina mubvunzo chave chiri chikumbiro chemuridzi wegoridhe kune basa regoridhe senzira yekununura munguva dzakaoma. Uye nguva dzave dzakaomera vazhinji Thais mumwedzi ichangopfuura, zvichivamanikidza kuita mari imwe yegoridhe ravo kuti vararame. Nekuti goridhe harisi kunyanya kuisa mari, asi ishuwarisi yakavimbika yekutarisana nezvipingamupinyi. Inishuwarenzi iyoyo inogona kuratidza kuva yakakosha kana, sezvinotarisira vamwe vezvehupfumi, hyperinflation ikaitika munyika dzekuMadokero, sezvakaitika muWeimar Republic makore 90 apfuura. Uye tarisiro iyoyo inobva pakugadzirwa kwemari yakanyanyisa uye pachokwadi chekuti mabhanga epakati haakwanise kukwidza mitengo yemubereko nechimiro chechikwereti chehurumende dzakawanda, makambani nevanhu vakazvimirira. Pakabuda inflation makore makumi mana apfuura, inflation inogona kubudirira kudzvinyirirwa, semuenzaniso, kukwidza mubereko pachikwereti chehurumende uye zvikwereti kusvika 40% muNetherlands uye kunyange kupfuura makumi maviri muzana muUK. Chimbichimbi chakadaro hachichagoneki. Kana hyperinflation ikaitika - izvo zvandisingatarisire uye ndisingafungidzire, asi zvisingaite - ipapo murimi wemupunga weThai ndiye achave mukundi mukuru pachinzvimbo chake semugadziri wezvekudya uye aine goridhe rake. Uye farang nemaeuro ayo asina maturo, yens, madhora kana pondo kazhinji inotsamira pamurimi iyeye wemupunga. Mabasa anobva adzoserwa kumashure zvakanyanya. Chimwe chikonzero chekuve nemutsa kune hama yedu yeThai ikozvino nekuti isu tinogona kudzida zvakanyanya mune imwe nguva.
Chikwereti chisina musoro
Pakupedzisira, mumwe muenzaniso wechikwereti chisingadikanwi uye chisina musoro kubva kumurimi wemupunga weThai. Ini handidi kuratidza kuti avhareji yeThai inotora zvikwereti zvisina basa, asi kuti zvinokurudzira zvehunhu husina musoro zvinosiyana zvishoma kubva kune zveavhareji farang. Murimi wemupunga uyu aitaurwa nezvake akange asina kumira zvakanaka – akange asina mota, semuenzaniso – asi chaive chamunetsa ndechekuti pavana vemhuri iyi – kunze kwemurimi, mudzimai wake nevanasikana vake vaviri – akabatsirawo zvishoma. mari yemhuri. Kunyanya kukosha, aive neziso rake kune mukadzi wechidiki uye aida kumufadza. Akafunga kutenga muchina wekurima waizofanira kubhadharwa nechikwereti achishandisa munda wemudzimai wake sechibatiso. Mudzimai wake aizvipikisa asi akazobvuma.
Paitaurwawo nyaya yekuti taikwereta asi mudzimai wangu aifunga kuti zvainge zvisina basa nekuti mumusha mainge matova nemichina yekurima yaitokwana uye yaitova nemari yakati wandei. Mhuri yevarimi yakazokwanisa kuwana mari uye isu tasarirwa nemakore maviri. Neraki, kusvika nguva pfupi yadarika vakakwanisa kubhadhara uye kubhadhara mubereko nenguva, asi parizvino kune kutyisidzira kwemubereko wemubairo nekuda kwekunonoka kana kusakwana kubhadhara. Mudzimai wangu akamhanyisa ruoko rwake pamwoyo wake - nerombo rakanaka yanga isiri yakawanda - saka vakachengeteka kwerimwe gore. Uye murimi wemupunga? Chokwadi akabudirira nemusikana wake nekuti pari zvino akazvitakura, nyangwe akazvionawo kuti kuva nemushini wekurima hazvireve kuti unobudirira muhupenyu.
Chinhu chakadaro chinowanzo Thai? Kwete, mudzidzisi wangu wenhoroondo kuchikoro chesekondari akatsanangura maitiro evanhu vakawanda vane simba neshoko rokuti "cherchez la femme", iro rinoshandurwa kuti "tsvaga mukadzi". Kubva kuna Julius Caesar kusvika kumadzimambo eFrance, aigona kutsanangura zvisarudzo zvavo zvedzimwe nguva zvinoshamisa zvikuru nokunongedzera kuvakadzi vakavapoteredza. Nenzira, kuchema ikoko hakubvi kune munyori wezvakaitika kare asi kubva kumunyori, asi izvo zviri kunze kweiyo pfungwa.
Maitiro iwayo echienzi haana kuganhurirwa kumadzimambo eFrance. Somuenzaniso, mumwe munhu wandaizivana naye akambondiudza nenzira yapachokwadi kuti muhuduku hwake akanga amhanya makiromita akawanda kwemwedzi yakawanda kuti aderedze uremu mukuedza zvichida kusina tariro kuti ave nomukana uri nani wokuwana nyasha dzomusikana wechiduku waakanga adanana naye. misungo. Uye ndeupi murume angaramba kuti akamboita zveupenzi zvekuda kupfimba mukadzi. Zvirinani ini handidaro, kunyangwe ini ndisingaende mune zvakadzama.
Mubvunzo kuvaverengi vedu: vakadzi havanawo njere kudaro here?
Chinyorwa chakanaka, asi musika wemasheya haungobatanidzi kuwedzera kukosha, sezvazvakaita negoridhe, tora chikamu munhoroondo uye unowana mufananidzo wakasiyana zvachose. Yese Return Stock Index yemakore makumi mashanu apfuura:
Musika wemasheya: 13.611%
Ndarama: 4.772%
Musiyano chaiwo. Kwakabva :https://www.longtermtrends.net/stocks-vs-gold-comparison/
Skroka pasi 1 chati ye "Kusanganisira Dividends: Total Return Stock Index"
Une chokwadi chekuti iwe unofanirwa kusanganisira madividendi. Uye kuti sarudzo yenguva yakakosha zvikuru. Asi kunyangwe iwe ukatora chikamu mukurangarira, goridhe rave nani kusvika pari zvino zana rino. Chokwadi kwete kwenhambo yemakore makumi mashanu. Asi zviri chaizvo nezvezvichaitika mune ramangwana uye izvo zvichagara zvisina chokwadi. Uye goridhe haifanirwe kuonekwa sekudyara asi zvakanyanya seinishuwarenzi, semuenzaniso kurwisa hyperinflation.
Wadiwa Hans, yaive yenhamba uye ini ndinogara ndichida kutarisa uye ndakashandisa iyo yakafanana link kubva kuna Mike. Kunyangwe muzana remakore = 100 makore iwe unogona kuita kuenzanisa kwetsuro nehozhwa:
goridhe: 8166% kuwedzera
migove (total return stock index): 1482131% kuwedzera
Zvechokwadi, ndakazvitarisa zvishoma, kudzoka kwechokwadi kwemamiriyoni e1,4 muzana yezvikamu uye ndiko kudzoka kwe181 x zvakanyanya. Ingondipai kirogiramu yemashare panzvimbo pekirogiramu yegoridhe, kana zvimwe zvakadaro.
Izvo hazvina kunaka, 100 makore emusika wemasheya vs goridhe ”
Musika wemasheya: 1.482.000%
Ndarama: 8.166
Kunyangwe pasina migove, musika wemasheya uri nani pane goridhe mumakore zana: 100%
Goridhe imari yakanaka kana musika wemasheya wakashata, asi idzi dzinowanzova nguva pfupi kunze kweiyo 1929-1939 mamiriro. Nekudaro, isu tave nehupfumi hwakasiyana zvachose kupfuura WWII isati yasvika. Nehurombo, shanduko huru kubva ipapo kwaive kusiiwa kweyero yegoridhe neUSA imwe nguva muma2.
Wakarurama chose pakunongedza kusiiwa kwechiyero chegoridhe. Nguva iyoyo isati yasvika (1971/Nixon) mutengo wegoridhe waive wakanyanya kana kushoma nechando, saka hapana chikonzero pakuenzanisa. Idi rokuti ndakasarudza imwe nhambo yamakore makumi maviri (“zana ramakore rino”) imhaka yokuti kusikwa kwemari kwakavamba chaizvoizvo mumakore 20 apfuura uye zvinotsanangura chikonzero nei ndarama yakaita zvakanaka kwazvo munguva iyoyo. Uye nekuti isu tinogona kutarisira kuti madhinari emari acharamba achishanda nguva yakawandisa panguva ino, unogona zvakare kutarisira kuwedzera kukwira kwegoridhe. Hongu handizvo zvekufembera zvangu, handiite zvekuzviita.
Iyi inyaya yakakosha, Hans, uye ndinoitsigira zvizere. Vazhinji veThais vanobata mari yavo zvakanaka, uye vanochengetedza yakawanda. Kune mari zhinji yemumusha umo vanhu vanoisa mari, semuenzaniso serudzi rweinishuwarenzi yemariro. Mamwe marudzi einishuwarenzi yehupenyu anoshandawo semhando yenguruve bank: ivo vanobhadhara pazera rekukura.
Zvakanaka kuti une ruzivo rwakanyanya nezve zviri kuitika muThailand. :
Thanks Tino,
Sezvineiwo, ndakambonzwa kuti mari yeinishuwarenzi yemariro yemumusha yakadai inobhadhara. Mari yakakwira zvakanyanya tichifunga nezve yakaderera premium. Ndinofunga kuti imhaka yekuti vanhu vanobva mumusha uyu havachabhadhare miripo nekudaro havachawana rubatsiro. Vanobva varasikirwa nemari yavakaisa, izvo zvinobatsira avo vanosara. Uye sezviri pachena hapana mutengo wepamusoro senge muNetherlands.
Ah hongu, uyezve iwe zvakare une mhando yemapoka ekuchengetedza ega, bhangi remumusha. Unoisa mari shoma mwedzi wega wega wobva wakwereta kana zvichidiwa.
Wadiwa Tino, hapana chandati ndawana nezve mari dzemumusha painternet, asi zvinotonyanya kunakidza, pamwe nekuti ndinofunga kuti yanga ichishanda zvine mutsindo kwemakore zana pasina hunyanzvi hwekudyara, kuona nhanho. yemaprimiyamu uye nekuona huwandu hwebhenefiti (mukudada kwangu ndinenge ndichiyedzwa kupa zano, asi ini handingaite izvozvo zvakadaro). Zvinoita sezviri nyore kubiridzirwa, asi zviri pachena kuti iro harisi dambudziko. Inonongedzerawo kukubatana kwakasimba munzanga.
Ini ndinofunga vazhinji Thais havagone kuchengetedza nekuti hapana mari.
Vazhinji vachazoendesa mota yavo kubhanga nekuti havachaikwanisa.
Kana iwe unogona kukwereta smart kufamba kubva kubhangi.
Kukubatsira kuti upinde mudambudziko zvakanyanya
Dzimwe nguva unoshamisika kuti varombo zvikuru vanozoita goridhe. Ava vanenge vasiri vanhu vakatenga mota nemari yekukwereta. Ini zvakare ndinoziva mukadzi wechiLaotian akagara muThailand kwemakumi emakore muimba ine hurombo zvakanyanya, kunyangwe neIsan zviyero. Asi aive aine cheni yegoridhe yaikosha 50 rods uye mamiriro ake emari paakaita nani, akachinjana - kuti awane imwe muripo - necheni inokosha 1 baht.
Mu 'Welcome to Bangkok slaughterhouse' umo baba Joe vanotsanangura hupenyu muslum yeKlong Toey, pane anecdote nezve moto unopisa chikamu chenharaunda. Mushure mokunge moto wadzimwa, vagari vemo vanokurumidza kutanga kuchera mumasara egoridhe ravo rakavanzwa (maketani, nezvimwewo).
Uye ndinokutendai zvakare nechidimbu ichi chakasimba, mudiwa Hans. 🙂
Musiyano pakati pekutenga nekutengesa goridhe ungangova 3 muzana chete. Zvinosuruvarisa izvi zvakasiyana zvishoma.
Usatenge zvivakwa zvine mutsauko we3 muzana!
Mutengo wegoridhe zvakare hauna kugadzikana! Ikozvino mutengo wegoridhe pabhaht wakakwira.
Paunenge uchitengesa, mutengi anogara achitambura, nokuti chitoro chegoridhe uye mupfuri wegoridhe haafariri
mugoridhe rega.
Iwe unofanirwa kubhadhara mubereko kune pawnbroker uye ipapo iwe uchakurumidza kubhadhara inodarika 3%. Asi chitoro chegoridhe chinoda goridhe rako nekuti anorarama nekutengesa nekutenga. Uye kana kupa kwacho kwakakura, sezvazvave mumwedzi ichangopfuura, inogona kugara ichitumirwa kuSwitzerland. Mari yekufambisa yakaderera, kunyange kusanganisira inishuwarenzi inodiwa yekubiwa.
Izvi zvakanyatsosiyana muNetherlands nekuti mutengo wevashandi (uye marudzi ese emitero) unoda mari yakawanda.
Zvinotaurwa naHans ndezvechokwadi, mudzimai wangu akatenga goridhe makore mashoma apfuura ne18000 Bth pakugeza uye parizvino akatengesa 24,500 Bth pakugeza.
(Zano) Izvo zvakare zvinoenderana zvakanyanya nechitoro chipi chaunotengesera, dzimwe nguva uchichengetedza kupfuura 1000 yekugezera pachitoro.
Saka bvunza kutanga, saka handizvo kuti unowana mutengo wakafanana muchitoro chese.
Rimwe zano: tengesa goridhe muchitoro chimwe chawakatenga, kana zvichibvira nehumbowo hwekutenga. Iwe zvichida uchawana mutengo wakanakisisa. Izvo zvinogona zvakare kutsanangura musiyano we1000 baht.
Nyaya yacho haina musoro zvachose. Izvo chaizvo ndezvekutenga nekutengesa goridhe. Handifungi kuti zvine chekuita nekuchengetedza asi nenhaka. Yakawanda yegoridhe uye mari kubva pakuita mari iyo goridhe dzimwe nguva zvave zviri mumhuri kwemakumi emakore. Vanhu kazhinji havazivi kuti zvakaguma sei mumhuri, asi dzimwe nguva kuburikidza nechivi-sod yambuya.
Zvichienderana nenhamba, maThais havasi vanhu vane hupfumi zvachose asi vanhu vanotenga zvakanyanya: izvo zvavanoona (kune vavakidzani) ivo vanofanirwa kuve nazvo (mota, mbozhanhare, flat screen, moped) uye nekukurumidza sezvinobvira. Uye saka vanhu vanokwereta uye vanobhejera nekuti ndidzo nzira dzinokurumidza (vanofunga) dzekuwana mari. Zvikwereti hazviwanzo kubhadharwa, asi gaka rimwe rinovharwa mushure meimwe. Uye mari yakawanda inorasika pakubhejera, kusanganisira dzimwe nguva mari yokukwereta. Ini handina imwe chete, asi yakawanda yemuenzaniso weizvi mune yangu chivakwa checondo. Uye kune zvakare vane hupfumi Thais, asi iyo ishoma vashoma. Musikana wangu wekare akanga asina kuchengetedza, akanga ane utsinye: haana kumbodzoka (chete chechipiri-ruoko), kunyange pakupera kwevhiki aipfeka yunifomu yekambani yake (nokuti yakanga isingabhadhari); chikafu hachina kumboraswa asi chaipiswazve kwekudya kwemasikati zuva raitevera rekushanda, moped yaive nemakore makumi mana uye yaigara ichiiswa zvigamba. Mugumisiro wacho waiva wokuti akanga ava nedzimba mbiri uye utano husina kunaka. (kunyanya dumbu uye intestinal zvichemo)
Kutengeswa kukuru kwegoridhe mumwedzi ichangopfuura, nepo kazhinji goridhe rakawanda rinotengwa pane kutengeswa (Thailand kazhinji inotenga goridhe kubva kunze) kunoratidza zvakasimba kuti goridhe rakatengeswa kuchengetedza misoro yavo pamusoro pemvura. Uye ndizvo zvaunochengetera, pakati pezvimwe zvinhu. Ukatenga goridhe unovimba kuti harizombofa rakafanira kutengesa uyezve rinopfuura kuvana.
Uye zvakare, ndinofungidzira kuti kutengwa kwegoridhe hakubatanidzwe munhamba dzaunoreva.
Iwe unochengetedza kuchengetedza musoro wako pamusoro pemvura ?????? Kwete, vaThai vakatengesa goridhe ravo kuti misoro yavo irambe iri pamusoro pemvura nekuti havana kana chavakachengeta. Muchokwadi, mamwe maslobs asina kana akaundi yekubhangi.
Hongu, hongu, Chris.
Huwandu hunoti muThailand 10% yemari yenyika inochengetwa (izvi zvingangove zvakanyanya pakati pemari yepakati nepamusoro), Zvikwereti zvepachivande i85% yechigadzirwa chenyika, muNetherlands inodarika 200%.
Zvikwereti hazviwanzo kubhadharwa? Chokwadi uye zvechokwadi? Zvino ndiani achakweretesa? Handitendi zvauri kutaura. Zvikwereti zvizhinji zvinodzorerwa.
Pamwe iwe unofanirwa kutanga kutarisa kupfuura yako condo.
Ndinoita izvozvo, kazhinji, uye mudzimai wangu anofamba muThailand yese kubasa.
zvinoita sekunge Thais akajairwa anoera kwauri uye Thais ane ruzha uye mauto ndivo vanhu vakaipa, vakomana vakaoma.
Asi pamwe iwe unofanirwa kuverenga chimwe chinhu nezvematambudziko echikwereti edzimba dzeThai. Ini ndichakupa pekutangira, asi kune akawanda ezvimwe zvinyorwa (kuwedzera kune zvakaoma-ku-kuwana-zvisina zvikwereti zvikwereti zvine loanshark uye savings cooperatives).
https://www.thailand-business-news.com/banking/75454-thailands-dangerous-debt-addiction.html
https://www.bangkokpost.com/business/1804389/household-debt-up-7-4-in-2019-amid-economic-woes
htthttps://www.thaiexaminer.com/thai-news-foreigners/2019/09/18/personal-debt-thailand-bank-governor-suffiency-economic-thinking-young-thai-people/ps://tradingeconomics. com/thailand/households-debt-to-gdp
https://news.cgtn.com/news/2020-03-28/COVID-19-leaves-Thailand-high-household-debts-high-odds-of-recession–Pel2pphmJq/index.html
https://www.bangkokpost.com/thailand/general/1910092/student-loans-boost-as-crisis-bites
http://www.en.moe.go.th/enMoe2017/index.php/articles/476-student-loan-defaults-blamed-on-poor-discipline
Iyo 85% hairevi chinhu zvachose kana GDP chaiyo inogadzirwa nevashoma vevanhu. MuNetherlands, vanhu vakawanda vakawanda vanopa kuGDP. Ingotarisa paavhareji yemari.
Zvakanaka, Chris, ini ndichasarudza imwe sosi:
https://www.bangkokpost.com/business/1804389/household-debt-up-7-4-in-2019-amid-economic-woes
Kutora kubva pachinyorwa ichocho:
VaThanavath vakati chikwereti chemumba cheThailand chakawedzera gore rega rega, asi chiyero cheGDP chinoramba chiri pasi pe80%.
“Zvikwereti zvizhinji zvinoitwa pazvinhu zvinodiwa zvakadai sekutenga motokari nechikwereti chedzimba,” vakadaro. "Chiyero parizvino che78% kuGDP haisati yaonekwa seyakanyanya."
Thai yakavanzika chikwereti 'hachisati chiri kunetseka'.
Kubva kune imwe sosi ndinoziva kuti muThailand zvinopfuura makumi mashanu muzana ezvikwereti zvikwereti (chimiro chekuchengetedza ...), 50% imotokari uye zvimwe zvinhu zvakawanda. Dambudziko guru nderevanokwereta mari vanobhadharisa mubereko wakawanda, izvo zvisingabvumidzwe, asi izvo hurumende inoita zvishoma nezvazvo. Kufungidzira katatu kuti sei kwete.
Uye handizombotauri chinhu chakaipa pamusoro pechiuto zvakare. Mukuru wehondo Apirat akati uto “rinoyera,” achishandisa shoko rechiThai rokuti “saksit,” rinoera saMwari kana kuti Buddha.
Moderator: Kunze kwenyaya.
Ini handizive kuvimbika kweiyo link, asi chimwe chinhu chakaitwa pamusoro peiyo chikwereti shark chinhu.
Icho chokwadi chekuti chikwereti shark chinogona kuva ichi chine zvakawanda zvekuita nekushaikwa kwekugona kuita mari. Vanokwereta havasi vanobatwa asi chikonzero chedambudziko, kunze kwezviitiko zvishoma, hongu.
https://www.pattayamail.com/business/thai-police-arrests-nearly-5500-loan-sharks-and-debt-collectors-305732
Tino,
Chiyero kuGDP chinobva pazvikwereti zvepamutemo kuburikidza nebhangi, ndinofungidzira.
Mutoro chaiwo wechikwereti hauonekwi munhamba.
Kana zvasvika kumotokari, panowanzova nemutengo wakaderera wekutenga uye mubhadharo wepamwedzi.
Saka hapana chikwereti pano, asi kana mubhadharo ukasaitwa kwemwedzi yakati wandei, mota inotorerwa uye ucharasikirwa nemari yawakabhadhara kare.
Zvikwereti paimba hazviitike pakati pevarombo.
Iwe haudi remba pamatare emarara uye mamwe matombo ekuvaka.
Kubhejera uye kupindwa muropa nedoro zvinokonzera zvikwereti.
Kunze kwemutsara wekupedzisira, ndinobvumirana newe khun moo.
Kubva mumhinduro dzako dzekare ndinonzwisisa kuti doro uye kupindwa muropa nekubhejera ndiyo honzeri huru munharaunda yako yepedyo, asi munharaunda yangu yeThai izvi zvishoma. Makore ekupedzisira e2 akanyanya kushaikwa kwemari, nekuti hapana basa. Pakanga pasina kana rutsigiro kubva kuhurumende yeThai.
Uyu mupiro wakaitwa naHans Pronk unobva kumakore maviri apfuura uye kubva ipapo mutoro wechikwereti wakaderera zvakanyanya, sezvazvinoonekwa kubva pane ino girafu (https://tradingeconomics.com/thailand/households-debt-to-gdp) yekutengeserana kwehupfumi.
Pakutanga kwedenda rekorona, vanhu vazhinji vakakwanisa kubhadhara mari yavo yekugara uye zvikwereti nekubata mari yavo nekutengesa goridhe, asi iwe unogona kutoona mutoro wechikwereti uchikwira zvishoma kubva Q1 2020. Handizive kuti sei Q2 2021 ichiratidza dip, asi pamwe imhaka yekuti vanhu vari kutengesa goridhe ravo rakawanda?
MuQ3 2021, mutoro wechikwereti uchakwira mudenga (goridhe rese ratengeswa?) uye kukwereta kunozodiwa kuti urarame.
Vanhu vari pazasi penzanga, avo vanogara vachitambura nekurova kwakanyanya, vakatotengesa kana kuisa remba zvese zvakakosha uye vanogona chete kutendeukira kune loansharks. Kana pasina chibatiso, vanhu ivavo vanowanzobhadharisa 20% mubereko pamwedzi.
30% kusvika 60% pamwedzi mubereko uye loanshark dzakapararira semoto wesango muThailand yose.
Pamusoro, vakuru vakuru vevakwereta ndivo vakuru vemauto nemapurisa
muenzaniso mukadzi wechiThai anokwereta 5000 baht pa1% pazuva mubereko.
Mukadzi wechiThai anga achibhadhara chiuru nemazana mashanu emubereko kwegore rimwe, saka akabhadhara zviuru gumi nezvisere zvebaht mugore rimwe pamari ye1 baht nekuda kwekuti haakwanise kubhadhara zviuru zvishanu zvasara uye iye zvino anobhadhara zviuru zvishanu zvebhaht pamwedzi kusvika. kuguma kwemazuva.
Hongu, chokwadi chekuti Netherlands ine mutoro wechikwereti chakakwira imhaka yezvikwereti. Asi iyo inongori capital accumulation uye zvikwereti zvemondgage zvinodzikiswa nekukosha kwemba, iyo iri paavhareji yakakura kaviri uye saka yakanaka pachiyero. Imwe mukana wechikwereti chemondgage ndechekuti inopa mabhenefiti emutero uye nekudaro mari yakawanda inoraswa. Kuenzanisa neThailand kwakakanganisika zvachose, semuenzaniso, maDutch anochengetedzawo mari yakawanda yebasa rezvemagariro uye ane inishuwarenzi kune chero rudzi rwenjodzi yakadai sekushaya basa, kurwara kwenguva refu, nezvimwe. Uye zvinosungirwa kuchengetedza penjeni, uchivaita. pakati pehari dzepamusoro dzekuchengetedza pasi rose.
https://economie.rabobank.com/publicaties/2018/juli/nederlandse-huishoudens-weinig-vrij-spaargeld/
Mukati meiyi link mune zvakawanda zvinongedzo kune vamwe umo zvakawanda zvinotsanangurwa nekutsanangurwa.
Chris, unenge uchifunga kuti goridhe haisi mari. Ndinoda kuratidza kuti vamwe vanoona goridhe semari chete: “Money Is Gold, and Nothing else” Goridhe imari. …Kutevera Kutyisa kwa1907, John Pierpont Morgan akadaidzwa kuzopupura pamberi peCongress muna 1912 pamusoro penyaya yeWall Street manipulations.
Sezvinobvumwa chirevo chemakore anopfuura zana apfuura, asi zvichipihwa chokwadi chekuti mabhanga epakati achiri muridzi uye kunyange kutenga goridhe, unogona kufunga kuti hapana chakachinja munguva iyoyo. Nekudaro, panguva iyoyo mari yese yakabviswa kubva kugoridhe uye nekudaro haichatsigirwi nechimwe chinhu kunze kwekuvimba kuti vamwe vanoigamuchira nekuda kwekupa masevhisi uye kuendesa zvinhu. Uye sezvamunoziva pasina mubvunzo, kuvimba kunokwira bhiza uye kunouya netsoka.
Ndinofunga kuti goridhe haisi mari, asi simbi inokosha sesirivha, inoita mari pandinoitengesa. Kungofanana nemafuta, mota dzekare uye zvisingawanzo zvinhu zvakaita semavhasi, pendi, mari uye zvitambi uye ivhu.
Kubatsira kwegoridhe (nesirivha) ndeyekuti idiki, haufanirwe kuziva kukosha kwayo nekuti inotengeswa uye inotengwa nehuremu uye saka kune mazana ezvitoro muThailand kwaunogona kutenga nekutengesa goridhe; uye kashoma chero zvitoro zvinotengesa zvitambi kana zvinhu zvekare.
Asi ndine chokwadi chekuti zviri nani kuisa mari yako muhunyanzvi pane kuisa mugoridhe. Kana mukambani yeinternet seAmazon kana Facebook. Asi hongu, nokuda kweizvozvo unofanira kuunganidza ruzivo rwakawanda.
Chris, kuti goridhe haisi mari ishoko risingadzivirirwe. Zvinotevera zvakataurwa pawebhusaiti yeDNB: “Mabhanga makuru akaita seDNB saka pachivanhu ane goridhe rakawanda mumba. Ndarama ndiyo dendere rekupedzisira zai: anchor yekuvimba yehurongwa hwemari. Kana hurongwa hwese hukadonha, goridhe rinopa chibvumirano chekutanga patsva. "
Hongu, kana hurongwa huchiputsika, DNB ingangobudisa mari itsva yakabatanidzwa negoridhe uye naizvozvo haisi pasi pekukwira kwemitengo uye iyo ichava nechivimbo chevanhu vose vari munyika. Iye zvino haugone kuchinja maeuro ako negoridhe kuDNB. Kana ukaita izvozvo, vachati: “Enda kumwewo uye edza kuchinja mapepa ako kana mazero ako neayo ari pakombiyuta nendarama. Haungatore goridhe redu.
Haunzwisisi basa rinokosha regoridhe.
Nemari ndinogona kubhadhara musupermarket, kubheka nebutcher uye ndinogona kubhadhara rendi yangu. Izvo hazvibviri negoridhe. Uye ndosaka goridhe isiri mari. Goridhe rine kukosha uye kukosha uye zvinobuda kuti kukosha ikoko kwakasimba. Asi goridhe pacharo haribatsiri chinhu. Ndosaka tichizvitaura mumari uye ndicho chibvumirano chete. Dzimwe nguva inogadzikana kupfuura mari yandinoshandisa kutenga zvangu. Asi kungonakidzwa, edza kubhadhara girosari yevhiki nevhiki kuTesco nemhete yegoridhe. Rombo rakanaka.
Ndine urombo Chris, ini handibvumi; mari haina chainoda, ndinotenda kuti bepa rinodhura masendi gumi, ndakambonzwa.
Unokanganwa chinhu chimwe chete; Unogona kudhinda mari, ingotarisa USA nechikwereti chayo chekudhinda che 1 trillion. Goridhe haigone, nekudaro kuchengetedza kwayo kukosha kwemazana emakore.
Mwedzi mishoma yapfuura imba yakatengwa muVietnam uye yakabhadharwa negoridhe. Zvinogoneka, kunyangwe zvichiri kusarudzika kukuru nekuti, pakati pezvimwe zvinhu, greenhouse system haina kugadzirirwa iyo. Asi panotova cryptocurrencies mukusimudzira yakabatana negoridhe uye ipapo iwe unogona kubhadhara mumilligrams kana kunyange micrograms egoridhe, chero kuti mumwe wacho anogamuchira izvi hongu. Asi izvo zvinogona kusimuka zvakanyanya nekuti mutengo wegoridhe pasi rose wakangofanana kwese.
Kubhadhara nemari yegoridhe kana zvindori zvegoridhe zvichagara zvisingakodzeri uye ndosaka mari yemapepa yakaunzwa. Pakutanga yakabatanidzwa uye inogona kuregererwa kugoridhe. Wakabhadhara negoridhe kare ikako. Nehurombo, iyo hurongwa yakaderedzwa nevezvematongerwo enyika nevepakati mabhengi uye ikozvino kune njodzi yekudonha kwese kwehurongwa hwazvino, sezvinoratidzwa neDutch Bank. Uye tingadzokera kutsika yekare, zvamazvirokwazvo yakavakirwa panzira yazvino uno. Uye zvino tinobhadhara negoridhe zvakare.
Zvino wagutsikana, handizvo here?
Mune dzimwe nyika unogona kubhadhara negoridhe, muzhinji haugone. Haisi mvumo yepamutemo. Kana mutengesi achigamuchira chimwe chinhu mukudzoka zviri kumutengesi. Ndinogonawo kutenga imba naVan Gogh chaiyo.
Hurongwa huripo hwave kuda kuparara nekuti harisisiri Central Bank rinogadzira mari nekudhinda mari, asi nekuti mabhanga ese anogadzira mari nezvikwereti zvaisavapo.
https://www.monetaryalliance.org/how-is-money-created-today/
Hatife takabhadhara negoridhe zvakare, asi nemari yemuno inogona kushandiswa chete mudunhu. Izvi zvave zvichiitika kwenguva yakareba munyika dzakawanda kana matunhu.
Kwete Chris, haugone kutenga imba ine Van Gogh. A Van Gogh haazadzise zvese zvinodiwa kuti mari iite. Semuenzaniso, unogona kuona bhari regoridhe nepakati pasina kunyatso shandura kukosha kwayo. Ukaita izvozvo ne Van Gogh hapana chasara. Ona semuenzaniso https://medium.com/datadriveninvestor/why-was-gold-used-as-money-over-all-other-elements-56fd3f943f84.
Hazvisi pasina chikonzero kuti goridhe rave mari kwezviuru zvemakore. Uye ndingashamisika kana zvisiri izvo nezvevatorwa.
Hongu Chris nevoucher yako>mari inogona kukubhadhara chero pasina hyperinflation.
Iti zvakanaka kwauri maEuro ... kana zvikaramba zvakadai!
Nyika dzakawanda dzave kutya kuti hupfumi hwadzo hwekubhanga hunogona kuzomiswa neAmerica mune remangwana kana dzikasaita zvinodiwa.
Vladimir Putin anozivisa kusikwa kwemari nyowani yepasi rose pamusangano wechigumi neina weBRICS - Turkey, Egypt neSaudi Arabia vanofunga kujoinha BRICS.
https://fintechs.fi/2022/07/25/brics-nations-plan-to-create-a-new-international-reserve-currency/
Pamusoro pezvo, Turkey, Egypt neSaudi Arabia dziri kufunga kupinda muboka reBRICS. Vanoongorora vanoti danho reBRICS rekuda kugadzira mari yekuchengetera mari inzira yekuda kukanganisa dhora rekuAmerica nemaSDR eIMF.
kuwedzera kudiki kubva kuWikipedia:
Ndarama ndiyo muenzaniso unozivikanwa zvikuru wemari yezvinhu. Zvakadaro, paive nekuipira goridhe: kunaka, kunyangwe kunoenderana zvakanyanya kupfuura mamwe marudzi mazhinji emari yezvinhu, kwaisagara kwakafanana uye kutengeserana kwega kwega kwaida chikero chekuona huwandu hwegoridhe. Kare kare, dombo raishandiswa kuongorora kunaka kwegoridhe. Alexander Mukuru ndiye akatanga kugadzira goridhe nehurumende, ndiko kuti, kuidhinda kuti ive nechokwadi chemhando uye uremu. Kuvimba nechitambi kwaidiwa: vanhu vaivimba kuti goridhe zvechokwadi rine kukosha kwakaratidzwa nechitambi, asi kana paine kusahadzika unogona kuzvitarisa iwe pachako.
Kushandisa ndarama senzira yokubhadhara nayo kwakanga kune ngozi zvikuru. Apo muripo mukuru waifanira kuitwa, mabhegi makuru endarama aifanira kutakurwa kubva kumubhadhari kuenda kumugamuchiri. Ngozi yekutakura goridhe rakadaro kubirwa yaive yakanyanya. Dzimwe nzira dzekubhadhara mari dzaivewo nedambudziko iri.
uye zvakare:
Goridhe haisi mvumo yepamutemo. Kukosha kwetenderi yepamutemo kunovimbiswa negoridhe.
idk Hans gold imari.
Handisi kunzwa kuda kuisa mari zvachose.
Uye saka ndakatenga mari yegoridhe muna 2016 pamutengo we1.130 euros imwe neimwe.
Mutengo wekutenga nhasi = € 1.816,00 pachidimbu
Buyback garandi: ndeye 100% yemutengo wenzvimbo.
ona:https://zilvergoudwinkel.nl/nld/goud-zilver-verkopen
Spot mutengo nhasi 16:52 PM = 1.714,89
Iyo SDR yakatanga kutsanangurwa seyakaenzana ne0,888671 magiramu egoridhe rakanakisa - iyo panguva iyoyo yaive yakaenzana nedhora rekuAmerica. Mushure mekudonha kweBretton Woods system, iyo SDR yakatsanangurwa patsva sedengu remari.
https://www.imf.org/en/About/Factsheets/Sheets/2016/08/01/14/51/Special-Drawing-Right-SDR
Dengu remari rinotarisa kukosha kweSDR
SDR VALUE
Iko kukosha kweSDR muUS dhora mazwi inotarwa zuva nezuva zvichibva pamitengo yekutsinhana kwenzvimbo inocherechedzwa panguva dzemasikati nguva yeLondon uye inotumirwa pawebhusaiti yeIMF.
Iyo SDR yakatanga kutsanangurwa seyakaenzana ne0,888671 magiramu egoridhe rakanakisa - iyo panguva iyoyo yaive yakaenzana nedhora rekuAmerica. Mushure mekudonha kweBretton Woods system, iyo SDR yakatsanangurwa patsva sedengu remari.
Mari inosanganisirwa mubhasiketi reSDR inofanirwa kusangana nemaitiro maviri: chiyero chekutumira kunze kwenyika uye yakasununguka inoshandiswa. Mari inosangana nezvinodiwa kunze kwenyika kana muridzi ari nhengo yeIMF kana mubatanidzwa wezvemari unosanganisira nhengo dzeIMF, uye iriwo pakati pevashanu vepamusoro vanotengesa kunze kwenyika. Kuita kuti mari "ishandiswe pachena" neIMF,
================================================= ======== ====================
Muna 2008, kuvimbana kwemabhanga kwaive 0,000%.
Ndarama inobva yagadzirisa!
Zimbabwe younza mari dzegoridhe senzira yekununura!
https://goudzaken.nl/kennisbank/zimbabwe-introduceert-gouden-munten-als-redmiddel/
Mukuwedzera pakushanduka kwemari yefiat, nhau inoratidza kuti basa regoridhe rave rakafanana munzanga kwemakore anoda kusvika 5000 XNUMX. Chero zvazvingava, hazvisi zvetsaona kuti nyika dzinochengeta matura makuru egoridhe.
https://goudzaken.nl/kennisbank/zimbabwe-introduceert-gouden-munten-als-redmiddel/
Zimbabwe Inflation yave pa191,6% uye mari yechimbadzo yakwira kusvika pa200%. Hapana matanho anoita seanoshanda kurwisa inflation. Saka Zimbabwe inosarudza kudzokera kumashure panyaya yegoridhe.
VAT Mari yaunowana kubva kubhangi haipfuuri vhocha imwe chete.
Bhangi rinongove neakanakisa ekuedza chisungo kana zvinhu zvikashata.
Uye muteresi anogona kubhadhara mari yako yawakachengeta kusvika ku100.000 euros?
Asi zvakadini kana izvo zvichange zvakaoma zvikuru ???? Ko Mr. Rutte vachangoita 25.000 euros mangwana ...? muchimiro che….. voucher? Haha
btw... muChina parizvino kune Bank Run.
Vane mari yavo panhare mbozha yavo... COLOR = RED!
Zvakare ndinobvumirana zvachose naHans; Pane musiyano uripo pakati pemari nemari uye yekupedzisira inosanganisirawo goridhe.Mari inogona kuparara, asi goridhe iri shoma (nyaya chaiyo) Yekupedzisira yakamira kukosha kwayo kwemazana emakore.
Ndarama inotora mari. Dzinenge nyika dzese dzine goridhe uye dzinorichengeta. Mumamodhi ekuverenga ehupfumi izvi zvinobva zvatariswa uye pane kutengeserana chete kuona kuti goridhe harichinjike zvakanyanya. Mutengo wacho unochengetwa padanho rimwe chete kwete goridhe chete.
Ndakamboverenga kuti Netherlands yakanga ine matani 600 egoridhe. Yakachengetwa kwemakumi emakore munyika dzakasiyana-siyana.
Chii chaizobhadharwa pakurinda goridhe iroro? Izvo zvinopinda mumakumi, zvichida mazana emamiriyoni / gore. Saka goridhe rinongodhura zvakanyanya muhuwandu hukuru.
Zvisinei, zvakafanana zvinoshanda.
Saka goridhe rinogona kudhura nekuda kwemamodeli ekuverenga, asi harishandiswe kubhadhara zvikwereti zvehurumende. Kuti uite izvozvo, unongokwidza mitero uye woramba uchipambadza mari iyoyo.
Pane imwe nguva, Netherlands yakakwanisa kukwereta mari UYE kugamuchira mari. Handisati ndambopihwa izvozvo.
Thais anoda guarantor yechikwereti, kana pasina, hapana chaunowana. Saka zvino ku loanshark.
Ndakaverenga kuti Thailand iri kuita chimwe chinhu pamusoro peizvi uye pane zviitiko apo Thai akadzosa zvinhu zvake (Asean Zvino). Izvi zvave nenguva zvichiitika, handizivi kana zvaramba.
Seve Thai? Zvichida zviripo, asi zvakangofanana neNetherlands. Kazhinji kazhinji vanhu vanonzwa kuti vanofanira kuzvipedzera pazvinhu zvoupenzi, kuti varege kuchengeta uye vanopinda muchinetso.
Isarudzo.
Imwe hama yekuThai yakasangana nemunhu asiriye, akaisa mari uye…akarasika.
Achiri mudiki uye asina njere. Kuita nekukurumidza uye pasina kubvunzana. Asi iwe unodzidza. Zvakaitika ndiye mudzidzisi akanakisa. Kunyange zvazvo vamwe vasingambodzidzi.
Padivi pechinoti…makore zana apfuura sutu yaidhura 100/1 Ounce/Goridhe… uye zvichiri zvimwe chete nanhasi. Vanhu vakabhadhara madhora mashoma nekuda kwesutu yakashongedzwa, ikozvino yakawanda. Ndarama inochengeta kukosha kwayo, nguva dzose. Mari yakagadzikana…