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Bungwe la Federal Reserve lero latulutsa deta yogawa chuma m'gawo loyamba la 2021. Izi zikutsimikizira kugwira ntchito kwa ndondomeko ya ndalama za Fed pakukulitsa kusiyana kwakukulu pakati pa olemera ndi osauka omwe akhala osayerekezeka ku United States.Deta ya Fed imakhudza 1%, 9% yotsatira, 40% yotsatira, ndi pansi 50% ya chuma chapakhomo.Otsika 50% -theka la anthu aku US ndi osauka, ndipo sanalembetsedwe pa "chuma changa panyumba" chifukwa alibe ndalama zokwanira.
1% mwa mabanja 126 miliyoni aku US (ndiko kuti, mabanja 1.26 miliyoni) ndi omwe amapindula kwambiri ndi zomwe Fed idachita.Kumapeto kwa kotala yoyamba, chuma chawo chonse chinali US $ 41.5 thililiyoni, ndi pafupifupi US $ 32.9 miliyoni panyumba iliyonse.M’miyezi 12 yapitayi, chuma cha banja lililonse chawonjezeka ndi $7.9 miliyoni.
"9% yotsatira" ya mabanja olemera kwambiri omwe ali ndi chuma chapakati pa US $ 4.3 miliyoni awonjezeka ndi US $ 708,000 panyumba pa miyezi 12."40% yotsatira" ili ndi chuma chapakati pa US $ 725,000 panyumba ndi chuma cha US $ 98,000.
Pamwamba pa mndandandawu pali mabanja 30 olemera kwambiri a ku America.Kuchokera ku Bezos kupita ku Icahn, Musk ali pachiwiri.Malinga ndi Bloomberg Billionaires Index, chuma chonse cha mabanja 30wa ndi US $ 2.0 thililiyoni, ndipo pafupifupi chuma cha banja lililonse ndi US $ 67 biliyoni.Ndiwo opambana mtheradi pa ndondomeko yandalama ya Fed.
Otsika 50% alibe masheya.Ndi ochepa okha mwa iwo omwe ali ndi malo, ndipo ali ndi ndalama zochepa kwambiri pa malo ndi malo.Koma ali ndi ngongole zambiri.Sikuti 50% yokhayo yomwe ili pansi siimadutsa ndi zotsatira za chuma cha Fed-ayeneranso kulipira pamtengo wapamwamba.
Chuma chapakati pa banja lililonse ndi US $ 42,000, zomwe zimaphatikizapo katundu wokhazikika monga magalimoto, ma TV, makina ochapira ndi mafoni a m'manja.M'miyezi 12 yapitayi, chuma chawo chinangowonjezeka ndi $ 10,000, zambiri zomwe sizichokera ku Federal Reserve, koma kuchokera ku ndalama zolimbikitsira boma.Amasunga, amalipira makhadi kapena amawagwiritsa ntchito ngati zinthu zokhazikika.
Pansi pa 50% palinso kusiyana kwakukulu.Mabanja apamwamba amatha kukhala ndi nyumba wamba, ndipo sangathe kulipira ngongole yayikulu, 401k yaying'ono, kuphatikiza galimoto yokongola ndi zinthu zina zolimba, kuchotsera ngongole zamagalimoto, ngongole za ophunzira, ndi ngongole za kirediti kadi.Awa ndi omwe ali ndi mwayi pansi 50%.Koma m’gululi mulinso anthu osauka kwambiri.
Tchati chomwe chili pansipa chikuwonetsa chuma chapansi 50% (mzere wofiira) pansi pa "40% yotsatira" (mzere wobiriwira)."Chuma" cha 50% chapansi chawonjezeka ndi $ 14,000 m'zaka 20, mosasamala kanthu za kukwera kwa mitengo, zomwe $ 10,600 zinachitika m'miyezi 12 yapitayi, chifukwa cha malipiro olimbikitsa.
50% yotsika ya "chuma" imakhala $122,500 muzinthu zomwe zili ndi ngongole $81,000.Ngongole yanyumba inali gawo lalikulu kwambiri langongole, koma ngongole ya ogula -ngongole ya kirediti kadi, ngongole zamagalimoto, ndi ngongole za ophunzira - idaposa ngongole yanyumba mu 2018:
Malo omwe ali pansi pa 50% ndiye chuma chachikulu kwambiri, pa $ 61,500 panyumba (mzere wakuda pachithunzi pansipa), ngongole yanyumba ndi $39,000, ndipo ndalama zanyumba ndi $22,500.Izi zikutanthauza kuti ndi mabanja ochepa omwe ali pansi 50% omwe ali ndi malo.Pafupifupi, ndalama zogulira nyumba za mabanjawa ndi $3,000.
Pamene ndondomeko ya chuma cha Fed imayambitsa msika wogulitsa nyumba, anthu ambiri omwe ali pansi pa 50% sangapindule konse chifukwa alibe nyumba.Koma akulipira chifukwa cha chumacho chifukwa ndalama zawo, kuphatikizapo renti, zikukwera.
Katundu wokhazikika ndi gulu lachiwiri lalikulu pakati pa 50% ya omwe amapeza ndalama zochepa kwambiri, $24,000 panyumba iliyonse, monga magalimoto, zida zamagetsi ndi mafoni am'manja (njira yobiriwira).M’miyezi 12 yapitayi, anthu akhala akugwiritsa ntchito ndalama zothandizira boma pogula magalimoto, zomwe zakwera ndi madola 2,500 ndi zinthu zina.
Masheya ndi ndalama zogawana ndi gulu laling'ono kwambiri lazachuma, ndi $1,356 yokha panyumba (mzere wofiira).Pansi 50% sangapindule ndi zoyesayesa za Fed kukweza msika wamsika.Izi zasungidwa 10% yapamwamba:
Chiphunzitso cha "chuma" -kupangitsa olemera kukhala olemera, kuwalola kuti azigwiritsa ntchito ndalama zochulukirapo, njira yomaliza yazachuma-yakhala maziko ovomerezeka a ndondomeko yazachuma ya Federal Reserve ndipo yawonekera m'malo ambiri a Federal Reserves. .Kuphatikizapo pepala la Janet Yellen pamene anali wapampando wa San Francisco Federal Reserve Bank.Mu 2010, Ben Bernanke, yemwe anali tcheyamani wa Federal Reserve, anafotokoza mfundo imeneyi kwa anthu a ku America m’nkhani ya m’nyuzipepala ya Washington Post.Mu Marichi 2020, Wapampando wa Federal Reserve Jerome Powell (Jerome Powell) mwanzeru adasankha kusagwiritsa ntchito mawu oti "chuma", koma m'malo mwake adapereka mawu akeake, kukweza kuchuluka kwachuma kumlingo wodabwitsa kwambiri, monga inu. chithunzicho chikuwonetsa tchati choyamba.
Chiwerengero cha anthu ku United States chakhala chikukula kwa zaka zambiri.Malinga ndi Census Bureau, kunali mabanja 126 miliyoni ku United States m'gawo loyamba, kuchokera ku mabanja 105 miliyoni mu 2000. Mwa kutanthauzira, magulu onse akula m'zaka 20 izi.Kotero inde, pazaka zapitazi, 1% ya mabanja awonjezera nyumba 210,000, Aleluya.Koma pansi 50% - osauka-anawonjezera 10.5 miliyoni mabanja.
M'miyezi 12 yomaliza m'gawo loyamba, chuma cha 1% cha mabanja chinawonjezeka ndi $ 7.9 miliyoni.Chuma chapansi 50% chinawonjezeka ndi $ 10,600.Kusiyana kwachuma pakati pawo kwakula ndi US $ 7.9 biliyoni.
M'zaka zapitazi za 30, kusiyana kwachuma pakati pa 1% ndi pansi 50% kwakula kasanu ndi kamodzi, kuchokera ku madola 5 miliyoni a US panyumba mu 1990 mpaka pafupifupi 33 miliyoni madola US tsopano, gawo lalikulu lomwe lili m'mbuyomu 12. miyezi.Chifukwa cha mfundo zosatopa za Federal Reserve:
Izi ndi zotsatira zodabwitsa koma zovomerezeka kwathunthu za ndondomeko ya ndalama ya Federal Reserve.Palibe amene amaloledwa ngakhale kufunsa.Zimavomerezedwa chifukwa 10% yapamwamba ngati iyi, kuphatikizapo mamembala a Congress, akhoza kuchitapo kanthu pa izo, ndipo chifukwa pansi 50% sadziwa za izo, ndipo samamvetsa zomwe Fed yawachitira? ndipo ali wotanganidwa kupulumuka zoopsa za kusiyana kumeneku.
Kodi mumakonda kuwerenga WOLF STREET ndipo mukufuna kuthandizira?Gwiritsani ntchito choletsa malonda-Ndimamvetsetsa chifukwa chake-koma mukufuna kuthandizira tsambalo?Mutha kupereka.Ndine woyamikira.Dinani pa kapu ya tiyi ya mowa ndi ayezi kuti mudziwe momwe mungachitire:
“Uwu ndi umboni woti masewerawa asinthidwa.Ngakhale mutagwira ntchito maola 26 patsiku ndikungodya ramen ndi madzi, simungayandikirebe kuchuluka kwa chuma chaumwini”
Bungwe la Fed lathetsa kuthekera kwa anthu kupeza mtundu wina wa bata lazachuma podzipulumutsa…nthawi zambiri iyi ndi sitepe yoyamba.Kusunga kukubwerera mmbuyo, kuyambira mu 2009… Izi nzopusa!Ndalama zatha.Kuthekera kokhala ndi nyumba yoyamba kumakhala kochepa kwambiri.Kuyika ndalama m'masheya amtengo wokwanira… The Fed inaimilira molakwika chilichonse chomwe idakhudza…
Zakale, chiwongoladzanja pa nthawi ino m'mbiri chiyenera kukhala pamwamba pa 5%, chifukwa aliyense wogulitsa hemi-brained kapena saver amadziwa kuti pakapita nthawi, ayenera kugonjetsa chiwongoladzanja cha pachaka kuti atsogolere.Pamene bungwe la boma lopanduka likuloledwa kuti likhazikitse chiwongoladzanja chokhazikika pansi pa chiwongoladzanja chenichenicho, onjezerani osachepera 30% ku CPI yomwe inanenedwa kuti ifike pafupi ndi mfundoyi, ndipo mitundu yosiyanasiyana ya kusintha idzawonekera mu chuma cha US.kusiyana.
Pamene aliyense amene ali ndi mbiri yowerengera akuyang'ana deta ndi ma chart omwe ali pamwambapa, amazindikira kufooka kwa deta ya Federal Reserve kuyambira pachiyambi.Zomwe zimatchedwa katundu monga malo ogulitsa katundu ndi masheya / ma bond sizinatsekeredwe pamitengo, koma zimasiyana mosiyanasiyana ndikuyenda kwamisika yawo.Ndakhala ndikunena kuti poganizira za chuma chamtengo wapatali, zinthu zosinthikazi ziyenera kudulidwa kuti ziwonetse mphamvu zawo zosunthira kumwera ndi kumpoto.
Mofananamo, magalimoto, zipangizo zamagetsi, ndi mafoni a m'manja akutsika mtengo, zomwe zingathe kugulidwa pamtengo wamakono wa msika osati mtengo.
Aa, koma kumbali ya ngongole ya mtengo wamtengo wapatali, kuphatikiza ngongole yanyumba, ngongole ya galimoto, ngongole yaumwini, ngongole ya ophunzira, ndi ngongole ya kirediti kadi ndi ndalama zina.Sizidzatha, iwalani zamsika wamsika wa ng'ombe zamkhutu za kuyimitsidwa kwangongole kosaloledwa kwangongole kumene, pomwe mbali ya equation ibwereranso ku mtengo wake wamtengo wapatali (kudzera mumsika wa chimbalangondo kapena, chifukwa chake, kuwonongeka).
Kuphulika kumaphulika nthawi zonse.Chitsiru chomaliza chikawombera mpira wake ku Powell Casino, osewera ena amayamba kukanikiza batani la "gulitsani" ndikuthamangira mophiphiritsira potuluka.Bitcoin ndi zina Crypto-Cruds ndi zitsanzo zabwino za kutopa chifukwa chogula pamtengo wapamwamba.
Aliyense amene ali ndi madola khumi akhoza kugula katundu wa katundu kwaulere.Ngakhale ndi 8% kapena 10% zomwe amapeza pachaka, osunga buluu sangagwirizane ndi kukwera kwa mitengo.Kwa 50% ya anthu opanda katundu, kukwera kwa mitengo ndi kosiyana.Ngati mumasewera zotsika mtengo pamsika wamagetsi ongowonjezwdwowu, ndiye kuti mukuchita bwino nokha.Mphamvu zongowonjezwdwa akadali chuma chenicheni zotsatira za anthu, zomwe ndi zabwino.Bungwe la Fed likulengeza za capitalism kuti dziko la United States lipitilize kuwononga talente yapadziko lonse lapansi.Ngati sitilola talente yaku China kukhetsa tsopano, ndiye kuti padzakhala vuto.Kenako tili ndi nkhondo yaying'ono, ndiyeno mukudziwa kuti asayansi onse abwino kwambiri aku China ali mu labotale yathu.Panthawi imodzimodziyo, anthu olemera akupita ku New Zealand kapena Singapore, kumene amalembera makalata olembera mabanja awo.Ali otsimikiza kuti United States idzakhala Scandinavia.Mukakhala olemera ku United States, palibe amene adzakuvutitsani.Sanaonepo kuti khomo lozungulira likhoza kupita njira imodzi, koma amazindikira kuti kukonda dziko lako kumatumikira osauka.Kenako, osauka amagwedeza zinthu nthawi ndi nthawi.
Astor, Vanderbilt, Morgan, Rockefeller, Carnegie, Frick, Fisk, Cook, Duke, Hearst, Mellon, kutchula ochepa.
Nthawi yokhayo yomwe ndimaganizira za anthu olemera omwe amaika dziko patsogolo pa zofuna zawo ndi nthawi yokhazikitsidwa.Washington, Jefferson, Madison, Hancock, Adams, Franklin, etc. onse ndi anthu olemera omwe amaika moyo wawo pangozi ndi chuma chawo.
Sizinatenge nthawi.Dziko latsopano likufunika ndalama.Imafunika osunga ndalama kuti agule ma bond ake.Chifukwa cha khama la Hamilton, makampani azachuma aku US adalandiridwa ndi osunga ndalama akunja.Koma zodabwitsa, zodabwitsa, zodabwitsa, monga momwe Gomelpel wamkulu ankanenera nthawi zambiri, anthu omwe amabwera kumsika poyamba, anthu omwe ali ndi chuma chambiri amapeza katunduyo, makamaka kumpoto chakum'mawa.Pali kukondera kwakukulu, ndipo kukondera kumalunjika kwa abwenzi olemera.Zimakupangitsani kuti muthandizire Aaron Burr.
Monga ndikudziwira, palibe mbadwa za mabanja omwe mwawatchulawa omwe ali mabiliyoni.Simupeza DuPont kapena Ford iliyonse pamndandanda wa Forbes 400.Ndipotu, anthu ambiri olemera kwambiri m'dzikoli masiku ano ali ndi chikhalidwe chapakati, koma amapezerapo mwayi pa mwayi umene ulipo.Ena ndi osauka ndithu.Mnzanga wina wa kusukulu ya zamalonda ankakonda kuvala yunifolomu ya asilikali pafupifupi kalasi iliyonse.Anapuma pantchito ndi chuma chambiri cha madola mamiliyoni mazana.
Tili ndi atsogoleri ochokera m'mabanja osankhika omwe amaika dziko patsogolo pa Nkhondo Yachiwiri Yapadziko Lonse.Onani membala uyu wa banja la Roosevelt:
https://www.historynet.com/teddy-roosevelt-jr-the-officer-who-stormed-normandy-with-nothing-but-a-cane-and-a-pistol.htm
Kodi mungayerekeze aliyense mu *banja lililonse* lazakampani kapena osankhika andale akutera ku Normandy?
Hancock sali kumbuyo kwa chochitika cha Boston Tea, chifukwa kutumiza kumeneku kupikisana ndi tiyi wake?
Kupatula malingaliro anu, chifukwa chiyani palibe fano la Thomas Paine?Atatsimikizira osauka kuti zinthu zidzakhala zosiyana ndi kuwalimbikitsa kumenyana, kuvutika ndi kufa chifukwa cha kusiyanako, n'chifukwa chiyani dzina lake linadetsedwa?
Sitinakhale ndi "revolution", tinangosintha kasamalidwe.Ndikukayikira kwambiri kuti Hancock amathera nthawi yake yambiri akumwa tiyi, ndipo anthu olemera ena ali choncho.Fufuzani mwayi wopeza chuma chochulukirapo, monga momwe Anon 1970 adafotokozera… mazana a mamiliyoni, eh?Ndikuganiza kuti iyi sinkhani yongotaya zamkhutu izi.
Ndikuyembekeza kuti ndingapeze ndemanga zanu pa "mabungwe athu osankhidwa a boma".Ndi zabwino kwambiri komanso zogwirizana kwambiri.
Ndi umbuli ndi wachiphamaso chotani nanga!Mbiri (ndi mbiri yakale, ndikhoza kuwonjezera ...) ndi imodzi mwa maphunziro ambiri omwe timaphunzira kuti tipeze mavuto / mavuto / zinsinsi zambiri pamoyo, kuphatikizapo lingaliro lodziwika bwino la "umunthu" (Ngakhale ndikukayikira ngati pali kalasi mkati ... mosadziwika bwino).Zikhulupiriro/zikhalidwe/makhalidwe kapena biology yathu yakale?"Vuto lobadwa / kulera" lomwe nthawi zonse limapewedwa!N'zomvetsa chisoni kuti anthu ena sangavomereze zomwe sizikudziwika m'maganizo ndi kutsatira malangizo a zakudya za anthu ena, kapena amaphunzitsidwa kalekale asanakhale ndi zonena m'miyoyo yawo.
Chiganizochi chikutanthauza kuti muli ndi malo momwe mulili, momwe mukufunira, tchati cha Wolf, ndi zina zotero, koma ...
Agiriki akale (magwero a "malingaliro" athu ambiri) amatsutsana mosalekeza "moyo wabwino ndi chiyani".Sakhulupirira kuti “umunthu” uliwonse umakhazikika.N’cifukwa ciani tiyenela kucita zimenezi?
Ndiyikeni mgawo OSATI ndi anthu pansi, ngakhale sindine woyipa ngati anthu ambiri.Iyenera kuthetsedwa, monga kusintha kwa nyengo komanso tanthauzo la "moyo wabwino".
Ndikuganiza za njira yolumikizira mipiringidzo - chifoloko chachitali komanso cholumikizira mbali imodzi;unyolo ndi buledi woyera pa inayo.Simukudziwa njira yomwe tipite, koma tikudziwa kuti zikhala monyanyira.
Pali vuto, mafoni am'manja amalembedwa ngati chuma ndipo amatengedwa ngati gawo la chuma chamunthu.Ndi foni yam'manja
Nthawi yotumiza: Jul-16-2021