Izvo zvinofanirwa nemunhu wese anofambira kuziva nezvekushandurwa kwemari
Yakagadziriswa naJoe Cortez, March 2018
Kana uri kuronga paunenge uchifamba kune imwe nyika nguva ipi zvayo nokukurumidza, iwe unogona kunge wakawana izwi rokuti "shanduko yekutengesa". Chii ichochi? Chii chaunoda kuziva nezvazvo usati wagadzirira rwendo rwako? Uye ingakwanisa sei kukuchengetedza mari pazororo rako?
Chii chinowanikwa kune dzimwe nyika?
Iko kushandiswa kwekunze kwekunze ndiko kukosha kwepakati pakati pemari mbiri. Zvichinyorwa neThe Balance: "Kuchinja kwehuwandu ihuwandu hwemari imwe chete iwe unogona kuchinjana kune imwe."
Mukufamba, mutengo wekuchinjana unotsanangurwa nemari yakawanda sei, kana kuti mari yekunze, iyo iwe unogona kutenga ne US $ imwe. Shanduro yekushandura inotsanangura kuti vangani pesos , euro, kana bhahti iwe unogona kuwana imwe US $ (kana kuti yakaenzana nedhora rimwe rinotenga mune imwe nyika).
Ndingave sei kuverenga shanduro yekunze kune imwe nyika?
Kuverenga shanduro yekushandura iri nyore, asi kunogona kuchinja zuva nezuva. Semuenzaniso: ngatitaurire kuti Euro inoshandiswa mutengo ndi 0.825835. Izvozvo zvinoreva kuti imwe US Dollar inotenga, kana inogona kuchinjana, kana "inokosha" 0.825835 euros.
Kuti uwane kuti mari yakawanda yei euro inokosha mumadhora eU.S., gura 1 (seyedzi imwe dollar) ne 0.825835 kuti uverenge mari yakawanda yeAmerica imwe Euro inokosha: $ 1.21. Naizvozvo:
- 1 USD = 0.825835 Euros
- 1 Euro = 1.21090 USD
Nokushandisa shanduro yekushandura, unogona kuona iyo $ 1 yakaenzana nechekare kupfuura .80 Euros. Mamiriyoni maviri eAmerica akaenzana ne165 Euro, asi ma Euro maviri akaenzana ne $ 2.40 muAmerica mari.
Zvechokwadi, kune nzira dzakaperera dzekutsvaga shanduko yekushandura munyika yauri kushanyira. Mawebhusayithi uye mari yakawanda yekushanda kwekushanda, kufanana neXE's currency converter uye ikozvino kuchinja shanduko yekuwedzera, inogona kukubatsira kuti uite sarudzo dzakanaka pamusoro pemari yako isati yasvika uye panguva yaunofamba.
Chii chinoshandiswa kushandura shanduko?
Ruzhinji rwekushandurwa kwemari mauri iwe uchanzwa hunoenderana nekushandura mazinga. Iko kuti, mutengo wechitsinhanisi unogona kumuka kana kumira zvichibva mune zvehupfumi.
Izvi zvinogona kuchinja zuva rega rega, kazhinji nezvikamu zviduku munguva yekufamba kwako.
Flexible shanduko yemari pakati pemari mari inotsanangurwa nemusika wokutengeserana, kana kuti "forex" kwenguva pfupi. Misika iyi inodzora mitengo inoshandiswa nevatengi vari kutenga mari imwe neimwe, pamwe netariro yekuita mari yakawedzerwa apo mari iyo yenyika inowana simba.
Kune muenzaniso wekuchinja kushandiswa kwehuwandu hwekutengesa, tarisa matanho pakati peUnited States neKanada. MunaMuvhuro 2017, imwe US Dollar yairema $ 1.28 Canadian Dollars. Pakati paApril naAugust 2017, kukosha kwakaderera nemaminitsi anenge masere, zvichiita kuti Canada Dollar iwedzere kusimba. Asi kutanga kwe 2018, American Dollar yakawanazve simba. Kana iwe wakatora zororo kuenda kuNiagara Falls, Canada muna May 2017, yako American Dollars ingadai yakakosha madhora 1.37 Canadian Dollars, ichikupa simba rekutengazve. Asi kana iwe wakatora rwendo irwo munaSeptember 2017, yako America Dollars ingadai yakakosha ye $ 1.21 yeCanada Dollars imwe neimwe-kurashikirwa kukuru mune simba rekushandisa mari.
Chii chinoshandiswa kushandiswa kwehuwandu?
Kunyange zvazvo nyika dzakawanda dzichitenga mutsauko mune mari dzavo pamusika wekunze kune dzimwe nyika, dzimwe nyika dzinodzora kutengesa kwemazana emari yavo kunze kwemasangano emari.
Izvi zvinonzi kushandiswa kushandiswa kwehuwandu.
Hurumende dzakasiyana dzinochengetedza maitiro akasiyana-siyana ekuchengetedza shanduko yakashandurwa. MuCuba, uko imwe Cuban Convertible Peso yakaenzana neAmerican Dollar, US embargo uye kusiyana kwezvematongerwo enyika kwakaita kuti hurumende yeCuban iite mari yevatariri zvakafanana neAmerica madhora. Zvichakadaro muChina, hurumende inosarudza ku "chengetedza" mari yavo inopesana neDollar, inotungamirira vamwe kuti vaone nyika yepasi rose yakawanda "ine mari maniator".
Funga nezvazvo seizvi: kushandiswa kwekushandura mari inotsvaga kuchengetedza "kugadzikana" kushandiswa kwehuwandu nekudzora mari yakawanda yemari yekune imwe nyika yakakosha, asi kushandiswa kwekushandurwa kwemitengo kunobva pane zvimwe zvinhu zvoupfumi, kusanganisira simba rehuwandu hwehupfumi hwenyika.
Ndezvipi zvinogona kukanganisa kushandiswa kwenhanho?
Flexible shanduro yemitengo inogona kuchinja zuva rega rega, asi inowanzowedzera zvishoma kudarika imwechete.
Asi guru guru rezvemari, shanduko dzehurumende kana zvisarudzo zvebhizimisi zvinogona kuva nemigumisiro kune dzimwe nyika kutengesa mari.
Semuenzaniso, funga nezvemashure mu US Dollar pakati pe2002 na2015. Apo chikwereti chenyika cheUnited States chakasimudza zvikuru pakati pe2002 ne2007, American Dollar yakakonzera kuenzana nekuenzaniswa nevamwe vavo vemarudzi ose. Apo hupfumi hwakapinda mu "Great Recession," dhora rakawana simba zvakare, nokuti makambani makuru akanga akabata pfuma yavo.
Apo Girisi yakanga iri pedyo nekudonha kwehupfumi , Euro yakaderera mukoshi. Uyewo, America Dollar yakakura nesimba, ichipa vaAmerica kutenga simba muEuropean Economic Area. Bhuku reBrithani rinoratidzira kurapa kuti ibve muEuropean Union yakashandura kukosha kwechirwere ichi kunyange ichiwedzera , ichichikwevera kuva pedyo neBritish Pound Sterling.
Mamiriro ezvinhu epasi rose anogona kuva nemugumisiro mukuru wekuti US Dollar yakawanda sei kune imwe nyika. Nokunzwisisa kuti zvinhu izvi zvinogona kuchinja simba rako rekutenga kune imwe nyika, unogona kukurumidza kuita zvisarudzo paunoshandura mari yako kune mari yemunharaunda, kana kubata kuAmerican Dollars uye uchishandisa uchishandisa chikwereti chako kana debit card.
Iko mari yebhangi inofananidzwa sechikamu chekutengesa mari
Usati waenda, unogona kugamuchira zvipo zvekadhi yemakadhi kana makadhi ekubvisa "pasina mari yekubhadhara pasi rose." Izvo izvi zvinokonzera kushandiswa kwenyika kune dzimwe nyika here?
Sevhisi kune vanofamba, mabhangi anosarudza kusarudza kutenga zvakagadzirwa pamabhadhi kana makadhi emakwere apo vari kune imwe nyika. Zvisinei, vazhinji vanosarudzawo kutora mari yakawedzerwa - dzimwe nguva inonzi "mutengo wekutengeserana kwenyika dzose" -kutengeserana. Izvi zvinowanzopomerwa se peresenti yemari yekubhadhara uye inogona kunge yakasiyana nemari yebhangi.
Nemhaka yokuti idzi dzakaparadzaniswa mhosva, mutengo wekutengeserana kwenyika yose hauna kuonekwa sechikamu chekutengesa kwenhanho. Kuti uwane mhando dzakanakisisa apo uri kune dzimwe nyika, iva nechokwadi chokuti nguva dzose uchishandisa makadhi uye madhidhi makadhi asingabhadhara mutero wekutengeserana kwenyika yose .
Sei ndichida kuziva kuti chikamu chekushandura chii?
Usati waenda, kana uchiri kufamba, unoda kuziva kuti chiyero chekushandura chii kuitira kuti uzive kuti mari yako inokosha mune imwe nyika. Kana dhora risina kukodzera dhora iri kunze kwenyika, unogona kugadzirisa zvakakodzera, uye iye zvino kuti uri kunyanya kupedza sei uchifamba.
Uyezve, kuziva chiyero chekushandura usati waenda kunogona kukubatsira kuwana mari yakanakisisa yekushandiswa kwemari usati waenda. Nguva dzose inokosha kutakura mari shomanana yekune imwe nyika paunosvika, saka nokutsinhanisa kutengesa mari usati waenda, unogona kuwana mari yakawanda kubva kubhangi rako kana kushandurwa kushandurwa usati waenda.
Ndingawana sei mari yakanakisisa yekushandura mari yangu?
Usavimba nemigwagwa yemugwagwa kana zvikwata zvepanzvimbo yepamusoro kune imwe nyika kuti ndikupe iwe yakarurama kana yakakwana yakakwana shanduko. Mari inopatsanurana nzvimbo dziri mumugwagwa kana munhandare yekudenga inoziva kuti haifaniri kuita chero chinhu chokukwezva vafambi, saka vanorova basa guru pamusoro pezvinhu zvose zvekutengesa. Somugumisiro, iwe uchatengesa mari yakawanda yemari yako neimwe yezvinhu izvi, kuti uwane zvishoma zvishoma.
Kana iwe uchiziva kuti mutengo wacho ndeipi, nzvimbo dzakanakisisa dzekutsinhanisa mari yako iri pabhangi kana ATM. Nemhaka yokuti mabhangi anomhanya pamaawa akaenzana pasi rose zvakare, zvingasava nguva dzose zvingava nyore kutora mari yako kubhangi. ATM inopa chirongwa chakanaka chekuchengetedza nokuti iwe unogona kazhinji kuwana mari yemunharaunda parizvino shanduko yemari. Vashandi vanobudirira vanoshandisa kadhi yebhadhiro iyo inotora mari yeATM kana mari yekutengeserana kwenyika dzose, saka iwe unogara uchiwana kukosha kwechokwadi kwemari yako.
Asi kana ukasarudza kushandisa kadhi rechikwereti kune imwe nyika, iwe unofambisa mari yako ndeyekuti unosarudzwa nguva dzose kuti ubhadhe mari yemunharaunda. Mune mamwe mamiriro ezvinhu, makambani ekugadzirisa zvikwereti angasarudza kuwedzera mitero yekutengesa kana ukasarudza kuripa muAmerican Dollars, iyo inongopedza simba rako rokutenga chete. Kana kadhi rako rechikwereti risina mari yekutengeserana kwenyika dzose, kubhadhara mari yemunharaunda yako kunogona kukupa zvakanakisisa zvekushandurwa kwepamusoro panguva yekutenga pasina mari yakawedzerwa yakavanzwa inotorwa.