Yonke into ehambahambayo kufuneka ikwazi malunga namazinga okutshintsha
Ehlelwe nguJoe Cortez, ngoMatshi 2018
Ukuba uceba ukuhamba phesheya naliphi na ixesha ngokukhawuleza, uya kufumana igama elithi "rate rate exchange". Yintoni? Yintoni oyifunayo ukuba uyazi malunga nayo ngaphambi kokuba uceba uhambo lwakho? Yaye unokukunceda njani imali kwiholide yakho?
Iyini izinga lokutshintshiselana kwamanye amazwe?
Izinga lokutshintshiselana kwamanye amazwe lixabiso elilinganayo phakathi kweebhanki ezimbini. Ukufakwa nje nge-Balance: "Izinga lokutshintshana lixabiso lemali enye unokutshintshana kwenye."
Ekuhambeni, izinga lokutshintshisiswa lichazwa yimalini yemali, okanye imali yemali yangaphandle, ukuba ungathenga ngeyureli enye yase-US. Izinga lokutshintshisana lichaza ukuba zininzi i- pesos , i-euro okanye i- baht unokufumana enye idola yase-US (okanye yiyiphi ilingana nedola eliya kuthenga kwelinye ilizwe).
Ndibala njani inani lokutshintshiselana kwamanye amazwe?
Ukubala izinga lokutshintshiselana lilula, kodwa lingatshintsha ngosuku ngalunye. Njengomzekelo: masithi i-Euro exchange rate is 0.825835. Oko kuthetha ukuba enye i-US Dollar ithengwa, okanye ingatshintshaniswa kuyo, okanye "iyayixabisa" i-euro engu-0.825835.
Ukuze ufumane ukuba i-euro engakanani ixabisa kwi-dollar yase-US, hlula i-1 (njengeyadola enye) ngo-0.825835 ukubala ukuba bangaphi i-US dollar enye ye-Euro ixabisa: i-1.21. Ngoko ke:
- 1 USD = 0.825835 iiYurophu
- I-Euro = 1.21090 USD
Ngokusebenzisa izinga lokutshintshiselana, unokubona ukuba i-$ 1 ilingana ngaphaya kweeyure ezingama-80. IiDola ezimbini ze-US zilingana nee-1.65 zama-Euro, ngelixa ii-Euro ezimbini zilingana nama-2.40 e-US ngemali.
Ewe, kukho iindlela ezilula zokufumana izinga lokutshintshiselana kweli lizwe oya kulivakashelayo. Iziza kunye nezixhobo zokubala imali, njenge-converter yemali ye-XE kunye ne-calculator rate rate exchange calculator, kunokukunceda wenze izigqibo ezintle ngemali yakho ngaphambi nangokuhamba kwakho.
Yintoni inqanaba lokutshintshiselana nezimo?
Uninzi lwamaxabiso okutshintshwa kwemali oyakufumana ngamazinga atshintshiselwano. Okokuthi, izinga lokutshintshiselana liyakhula okanye linciphise ngokubhekiselele kwimicimbi yezoqoqosho.
Ezi meko zinokutshintsha imihla ngemihla, ngokuqhelekileyo ngamaqhekeza amancinci ngexesha lokuhamba.
Izinga lokutshintshisiswa kwe-Flexible phakathi kweemali zenziwa yimarike yerhwebo lwangaphandle, okanye "i-forex" efutshane. Ezi marike zilawula ixabiso apho abatyali-mali bathenga imali enye kunye, benethemba lokuba benze imali xa loo mali yesizwe ithola amandla.
Ngokomzekelo wezinga lokutshintshiselana nezimo, jonga iitshintshi phakathi kwe-United States neCanada. Ngo-Apreli 2017, enye i-US Dollar yayifanele i-$ 1.28 zeeDola zaseCanada. Ukususela ngo-Apreli no-Agasti 2017, ixabiso liye lawela ngamashumi angama-8, okwenza iCanada Dollar ibe namandla ngakumbi. Kodwa ekuqaleni kuka-2018, i-American Dollar yafumana amandla. Ukuba uthathe iholide ukuya eNiagara Falls, eKhanada ngoMeyi 2017, iiDola zaseMerika ziza kuba zixabisa i $ 1.37 zamaDola aseCanada, ekunika amandla angaphezulu okuthenga. Kodwa ukuba uthathe uhambo olufanayo ngoSeptemba 2017, ii-dollar zaseMelika ziza kuba zixabise i-$ 1.21 zeeDola zaseCanada nganye - ilahleko enkulu ngamandla.
Iyini izinga lokutshintshiselwa ngokuchanekileyo?
Ngelixa ezininzi iintlanga zixabisa umahluko kwiimali zabo kwiimarike zerhwebo lwangaphandle, ezinye iintlanga zilawula izinga lokutshintshisiswa kwemali yazo ngaphandle kweeyunithi zamali.
Oku kubizwa ngokuba ngumlinganiselo wokutshintshiselwa.
Oorhulumente abahlukeneyo balondoloza iindlela ezihlukeneyo zokugcina izinga lokutshintsha. E-Cuba, apho enye i- Convertible Peso yaseCuba ilingana ne-American Dollar, i-US embargo kunye nezopolitiko zabangela ukuba urhulumente waseCuban aphathe iidola zezokhenketho zifana needola zaseMerika. Okwangoku e-China, urhulumente ukhetha "ukugubungela" imali yawo ngokubhekiselele kwiDola, ekhokelela abanye ukuba baqwalasele isizwe esona maninzi kakhulu emhlabeni "ngumthengisi wemali."
Cinga nje ngolu hlobo: amazinga okutshintshiselwa okutshintshileyo afuna ukugcina izinga "lokuzinza" lokutshintshisa ngokulawulwa kwexabiso lemali yangaphandle, ngelixa iinguqu zokutshintshiselana eziguquguqukayo zisekelwe kwiimeko ezininzi zezoqoqosho, kubandakanywa namandla eempilo zelizwe jikelele.
Yintoni enokuchaphazela izinga lokutshintshiselana?
Izinga lokutshintshisiswa kweFlexible litshintsha imihla ngemihla, kodwa zihlala zincinci ezincinci zingaphantsi kwekhulu.
Kodwa iimeko ezinkulu zezoqoqosho, njengezithuthi zoorhulumente okanye izigqibo zoshishino zingaba nefuthe kwizinga lokutshintshiselana ngamazwe ngamazwe.
Ngokomzekelo, cinga iinguqu kwiDola laseMelika phakathi ko-2002 no-2015. Xa ityala le-United States liphakanyiswe kakhulu phakathi kuka-2002 no-2007, i-American Dollar yawa nexabiso xa kuthelekiswa namanye amazwe. Xa uqoqosho lwangena kwi-"Recession Recession," idola yafumana amandla amaninzi, kuba iinkampani ezinkulu zazibambelele kwezobutyebi.
Xa iGrisi yayisecaleni loxinzelelo lwezoqoqosho , i-Euro iyancipha ngokubaluleka. Ngaloo nto, i-American Dollar yanda ngamandla, iwanika amaMelika ukuba athenge ngakumbi amandla kwiNgingqi yezoqoqosho lweYurophu. Ivoti yaseBrithani yokuvota yokushiya iYurophu YaseYurophu yatshintshe ixabiso ledoli ngaphezu koko , idonsa ngakumbi ukuba ibe neBritish Pound Sterling.
Iingxaki zamazwe ngamazwe zinokuchaphazela kakhulu ukuba i-Dollar yase-US ibaluleke kangakanani ngaphandle. Ngokuqonda indlela ezi zinto zingatshintsha ngayo amandla akho okuthenga phesheya, unokwenza ngokukhawuleza wenze iinqununu malunga nokutshintshela imali yakho kwimali yasekuhlaleni, okanye ubambelele kwiiDola zaseMelika uze uchithe usebenzisa i-credit card okanye ikhadi lakho lokubambisa.
Ingaba imali yebhanki ithathwa njengenxalenye yerhafu yokutshintshiselwa
Ngaphambi kokuba uhambe, unokufumana izibonelelo zamakhadi-ngetyala okanye amakhadi esetyenzisiwe "ngaphandle kweemali zokuthengiselana ngamazwe ngamazwe." Ingaba ezi zinto zinokuthi zithwale ukunyuka kwamaxabiso angaphandle?
Njengeenkonzo kubahambi, iibhanki zinokukhetha ukucwangcisa ukuthengwa okwenziweyo kwi-debit okanye amakhadi enkokhelo xa bephesheya. Nangona kunjalo, abaninzi banokukhetha ukuhlawula imali eyongezelelweyo-ngamanye amaxesha kuthiwa yi "intlawulo yomhlaba jikelele" -kuthengiselana. Oku kufuthi ityala njengepesenti yomrhumo wokuthengiswa kwaye ingahle ihluke iifizi zebhanki.
Ngenxa yokuba ezi zintlawulo zihlukileyo, intlawulo yomhlaba wonke ayiqwalaselwe njengenxalenye yerhafu yokutshintshiselwa. Ukuze ufumane amaxabiso angcono xa uhlala phesheya kwelinye ilizwe, qiniseka ukuba uhlala usebenzisa amakhadi enkredithi kunye namadaka okungahlawulisi umrhumo wokuthengiselana ngamazwe ngamazwe .
Kutheni ndifuna ukwazi ukuba yintoni izinga lokutshintsha?
Ngaphambi kokuba uhambe, okanye xa uhamba, kufuneka ukwazi ukuba yintoni izinga lokutshintshisana ukuze uzazi ukuba imali yakho ilungele kwelinye ilizwe. Ukuba i dollar ayifanele i dollar phesheya, unokuhlawula ngokufanelekileyo, kwaye ngoku ungakanani uchitha ixesha xa uhamba.
Ukongeza, ukwazi ixabiso lokutshintshana ngaphambi kokuba uhambe luyakunceda ukuba ufumane ingcono yokuguqulwa kwemali ngaphambi kokuba uhambe. Kuhlala kubalulekile ukuphatha imali encinci yangaphandle ekufikeni kwakho, ngoko ke ngamazinga okutshintshiselana ngokulandelelana ngaphambi kokuhamba, unokufumana imali eninzi ebhanki yakho okanye utshintshiselwano olukhethiweyo ngaphambi kokuba uhambe.
Ndingayifumana njani inqanaba elihle lokutshintsha imali yam?
Musa ukuxhomekeka kwisitrato okanye kwiipaki zeesibhoksi kwelinye ilizwe ukunika inqanaba elichanekileyo okanye elungileyo. Iindawo zokutshintshiselwa kwemali kwisitrato okanye kwisikhululo sezindiza bayazi ukuba akufanele benze nantoni na ukukhangela abahambahambayo, ngoko baxhamla ikhomishini enkulu phezu kwayo yonke into eyenziweyo. Ngenxa yoko, uya kutshintshisa imali eninzi yemali yakho ngenye yezo zintengiselwano, ukuze ufumane umncinci kakhulu.
Ukuba uyazi ukuba izinga liphi, iindawo ezifanelekileyo zokutshintshiselana nemali yakho kwi-bhanki okanye kwi-ATM. Ngenxa yokuba iibhanki zigijima kwiiyure eziqhelekileyo ngeenxa zonke zehlabathi, akunakuhlala zikulungele ukuthabatha imali yakho kwibhanki. Iimpawu ze-ATM zinika isicwangciso esihle sokulondoloza ngenxa yokuba unako ukufumana imali yasekuhlaleni kwizinga lokutshintshiselwa kwamanje. Abahambi be-Smart basebenzisa nekhadi lokubambisa abahlawulanga iimali ze-ATM okanye iimali zokuthengiselana ngamazwe, ngoko uhlala ufumana ixabiso langempela lemali yakho.
Kodwa ukuba ukhetha ukusebenzisa ikhadi lokuthenga ngetyala kwilizwe elikude, ibhetri yakho ephambili kukuba ukhe ukhethe ukuhlawula imali. Kwezinye iimeko, iinkampani zokuhlawula iintlawulo zingakhetha ukongeza iintlawulo zokuthengisa xa unquma ukuhlawula kwiiDola zaseMelika, okunciphisa amandla akho okuthenga kuphela. Ukuba ikhadi lakho lekhredithi alikho imirhumo yokuthengiselana ngamazwe, ukuhlawula ngemali yendawo kungakunika isantya sokutshintshisana kakhulu kwinqanaba lokuthenga ngaphandle kweemali ezifihliweyo ezifihliweyo.