Yiziphi zonke izihambi ezidinga ukuzazi ngamanani okushintshaniswa
Ihlelwe nguJoe Cortez, ngoMashi 2018
Uma uhlela ukuhamba phesheya noma nini maduzane, cishe uzothola igama elithi "izinga lokushintshaniswa". Kwenzenjani? Yini okudingeka ukwazi ngakho ngaphambi kokuba uhlele uhambo lwakho? Futhi ingakusindisa kanjani imali eholidini lakho?
Iyini izinga lokushintshaniswa kwamanye amazwe?
Isilinganiso sokushintshaniswa kwamanye amazwe yisilinganiso esihambelana phakathi kwezimali ezimbili. Mane nje ubeke i-The Balance: "Ukushintshaniswa kwamazinga yinani lemali eyodwa ongashintshanisa omunye."
Ekuhambeni, izinga lokushintshaniswa lichazwa ukuthi ingakanani imali, noma inani lemali engaphandle, ongayithengayo nge-dollar eyodwa. Isilinganiso sokushintshaniswa sichaza ukuthi zingaki i- pesos , i-euro, noma i- baht ongathola idoli elilodwa lase-US (noma lokho okulingana nedola elilodwa elizolithenga kwelinye izwe).
Ngibala kanjani inani lokushintshwa kwamanye amazwe?
Ukubala izinga lokushintshaniswa lilula, kepha lingashintsha ngosuku nosuku. Isibonelo: ake sithi izinga lokushintshaniswa kwe-Euro ngu-0.825835. Lokho kusho ukuthi i-US Dollar eyodwa ithengiwe, noma ingashintshaniswa, noma "iwufanele" i-0.825835 euros.
Ukuze uthole ukuthi ingakanani ama-euro angama-dollar ase-US, hlukanisa u-1 (njengalunye i-dollar eyodwa) ngu-0.825835 ukubala ukuthi mangaki amaRandi ayi-Euro eyodwa i-Euro ayifanele: $ 1.21. Ngakho-ke:
- 1 USD = 0.825835 ama-Euro
- I-Euro = 1.21090 USD
Ngokusebenzisa izinga lokushintshaniswa, ungabona ukuthi i-$ 1 ilingana naphezu kwama-Euro angu-80. AmaDola amabili e-US afana nama-Euro angu-1.65, kuyilapho ama-Euro amabili elinganiselwa ku-$ 2.40 e-US imali.
Yiqiniso, kunezindlela ezilula zokuthola izinga lokushintshanisa ezweni ovakashelayo. Amawebhusayithi kanye nezicelo zokubala imali, njenge-converter ye-XE's currency kanye ne-current exchange rate rate calculator, angakusiza wenze izinqumo ezihlakaniphile ngemali yakho ngaphambi nangesikhathi uhambo lwakho.
Iyini izinga lokushintshaniswa nezimo eziguquguqukayo?
Iningi lamazinga wokushintshanisa ngemali oyothola amazinga okushintshaniswa nezimo eziguquguqukayo. Okusho ukuthi izinga lokushintshanisa lingakhuphuka noma liyeke ngokusekelwe ezimweni zezomnotho.
Lezi zimo zingashintsha nsuku zonke, ngokuvamile ngezicucu ezincane phakathi nohambo lwakho.
Amazinga okushintshaniswa kwe-Flexible phakathi kwemali anqunywa imakethe yokushintshaniswa kwamanye amazwe, noma "i-forex" emfushane. Lezi zimakethe zilawula amanani abathengi abazithengayo ngemali eyodwa omunye, benethemba lokwenza imali xa imali leyo yesizwe ithola amandla.
Ukuze uthole isibonelo sezinga lokuguquguquka lokuguquguqukayo, bheka ama-shift phakathi kwe-United States neCanada. Ngo-Ephreli 2017, enye i-US Dollar yayifanele i $ 1.28 iCanada Dollars. Phakathi kuka-Ephreli no-Agasti 2017, inani lawela ngamasenti angu-8, okwenza iCanada Dollar ibe namandla kakhulu ngokushintshanisa. Kodwa ekuqaleni kuka-2018, i-American Dollar yaphinde yaqina. Uma uthathe iholidi e-Niagara Falls, eCanada ngoMeyi 2017, amaDola akho aseMelika ayengeke azuze u-$ 1.37 amaDolari aseCanada, ekunika amandla amaningi okuthenga. Kodwa uma uthatha uhambo olufanayo ngoSepthemba 2017, amaDola akho aseMelika ayengeke azuze u-$ 1.21 amaDolada aseCanada ngalinye - ukulahlekelwa okukhulu kwamandla emali.
Iyini izinga lokushintshaniswa elihleliwe?
Yize izizwe eziningi zithengisa umehluko kwizezimali zabo emakethe yokushintshaniswa kwamanye amazwe, ezinye izizwe zilawula izinga lokushintshanisa lwemali yazo ngaphandle kwamayunithi angaphandle.
Lokhu kubizwa ngokuthi izinga lokushintshaniswa okuhleliwe.
Ohulumeni abahlukene balondoloza izindinganiso ezahlukene zokugcina izinga lokushintshaniswa okuhleliwe. E-Cuba, lapho elinye i- Cuban Convertible Peso lilingana ne-Dollar eyodwa yaseMelika, i-embargo yase-US kanye nokungezwani kwezepolitiki kwabangela ukuba uhulumeni waseCuban aphathe ama-dollar okuvakasha afana ne-dollar yaseMelika. Okwamanje e-China, uhulumeni ukhetha "ukukhonkwane" lwemali yawo ngokumelene neDolari, okuholela abanye ukuba bacabange isizwe esiphezulu kakhulu emhlabeni "umshayeli wezimali."
Cabanga ngalokhu: amazinga okushintshaniswa okulinganiselwe afuna ukugcina izinga "lokuzinza" lokushintshanisa ngokulawula ukuthi imali engaphandle iyabaluleka kanjani, kanti izinga lokushintshaniswa nezimo eziguquguqukayo lisekelwe ezintweni eziningana zezomnotho, kufaka phakathi amandla esizwe sezezimali jikelele.
Yini engathinta izinga lokushintshaniswa?
Amazinga okushintshaniswa kwe-Flexible angashintsha nsuku zonke, kodwa avame ukukhula okuncane kakhulu okungaphansi kwamaphesenti ayisithupha.
Kodwa izici ezinkulu zezomnotho, njengezinguquko zikahulumeni noma izinqumo zebhizinisi zingaba nomthelela kumazinga wokushintshanisa ngamazwe ngamazwe.
Ngokwesibonelo, cabangela ama-shift e-US Dollar phakathi kuka-2002 no-2015. Lapho isikweletu sikazwelonke sase-United States sikhulisa kakhulu phakathi kuka-2002 no-2007, i-American Dollar yehle inenani uma kuqhathaniswa nabalingani bayo bamazwe ngamazwe. Lapho umnotho ungena "Ukubuyisela Okukhulu," idola lazuza amandla, ngoba izinkampani ezinkulu zazibambelele emnothweni wazo.
Ngesikhathi iGrisi iseduze kokudabuka kwezomnotho , i-Euro yayibuthakathaka ngokubaluleka. Kanti i-American Dollar yakhula ngamandla, inika amaMelika amandla amaningi okuthenga amandla e-European Economic Area. Ukuvotela kweBrithani ukuvota ukuphuma e-European Union kwashintsha inani le dollar nakakhulu , likusondeza nokuba neBritish Pound Sterling.
Izimo zomhlaba wonke zingaba nomthelela omkhulu ekutheni inani leDola lase-US lifanelekile phesheya. Ngokuqonda ukuthi lezi zinto zingashintsha kanjani amandla akho okuthenga phesheya, ungenza ngokushesha izinqumo ngesikhathi sokushintshanisa imali yakho ngemali yasendaweni, noma ubambelele kumaDola waseMelika bese uchitha usebenzisa ikhadi lakho lesikweletu noma debit.
Ingabe izimali zebhange zibhekwa njengengxenye yamanani okushintshaniswa?
Ngaphambi kokuthi uhambe, ungathola izihlinzeko zamakhadi esikweletu noma amakhadi we-debit "ngaphandle kwemali yokuthengiswa kwamazwe ngamazwe." Ingabe lezi zinezinkinga zokushintshwa kwamanye amazwe?
Njengesevisi yabashayeli, amabhange angakhetha ukucubungula ukuthenga okwenziwe nge-debit noma amakhadi esikweletu ngenkathi bephesheya. Kodwa-ke, abaningi banquma nokuthola imali eyengeziwe - ngezinye izikhathi ngokuthi "imali yokuthengiselana ngamazwe" - ekuthengiseni. Lokhu kuvame ukukhokhiswa njengephesenti lemali yokuthengiselana futhi kungase kuhlukaniswe izimali zebhange.
Ngenxa yokuthi lezi zinkokhelo ezihlukene, imali yokuthengiselana ngamazwe ayibhekwa njengengxenye yezinga lokushintshaniswa. Ukuze uthole amazinga angcono nakwamanye amazwe, qiniseka ukuthi njalo usebenzisa amakhadi esikweletu namakhadi angakhokhisi imali yokuthengiselana ngamazwe ngamazwe .
Kungani ngidinga ukwazi ukuthi izinga lokushintshaniswa lingakanani?
Ngaphambi kokuba uhambe, noma lapho uhamba, udinga ukwazi ukuthi izinga lokushintshaniswa lizokwazi ukuthi imali yakho ibaluleke kangakanani kwelinye izwe. Uma i-dollar ingafaneleki idoli elingaphandle, ungabhajethi ngokufanelekile, futhi manje ukuthi uchitha isikhathi esingakanani ngenkathi uhamba.
Ukwengeza, ukwazi izinga lokushintshanisa ngaphambi kokuhamba kungakusiza ukuthi uthole inzuzo engcono kakhulu ekuguqulweni kwemali ngaphambi kokuhamba. Kuhlale kubalulekile ukuthwala imali encane engaphandle lapho ufika, ngakho-ke ngokulandela amazinga wokushintshanisa ngaphambi kokuhamba, ungathola imali enkulu ebhange lakho noma ukushintshaniswa okhethiwe ngaphambi kokuhamba.
Ngingayithola kanjani imali engcono kakhulu yokushintshanisa imali yami?
Ungathembeki eziteshini zasemgwaqweni noma izikhumulo zezindiza kwelinye izwe ukukunikeza isilinganiso sokushintshanisa noma esinembile. Izindawo zokushintshaniswa kwemali emgwaqweni noma esikhumulweni sezindiza bayazi ukuthi akudingeki benze noma yini ukuheha abahambi, ngakho-ke bahlaba ikhomishana enkulu phezu kwayo yonke imisebenzi. Ngenxa yalokho, uzoshintshanisa imali enkulu yemali yakho ngenye yalezi zinsuku, ukuze uthole kancane kakhulu ngokubuyisela.
Uma wazi ukuthi izinga liyini, izindawo ezinhle kakhulu zokushintshanisa imali yakho ebhange noma i-ATM. Ngenxa yokuthi amabhange agijima emahoreni ajwayelekile emhlabeni jikelele, kungenzeka ukuthi akulula ngaso sonke isikhathi ukufaka imali yakho ebhange. I-ATM inikeza uhlelo oluhle lokusekela ngoba ngokuvamile ungathola imali yangakini ngesilinganiso sokushintshaniswa kwamanje. Abahambi be-Smart basebenzisa nekhadi lebit debit abangakhokhisi imali ye-ATM noma imali yokuthengiselana ngamazwe, ngakho-ke uthola njalo inani lenkokhelo yeqiniso.
Kodwa uma ukhetha ukusebenzisa ikhadi lesikweletu ngaphesheya, ukubheja kwakho okuhle ukukhetha njalo ukukhokha ngemali yendawo. Kwezinye izimo, izinkampani zokucubungula izinkokhelo zingakhetha ukwengeza imali yokuthenga uma unquma ukukhokha kumaDola waseMelika, okunciphisa amandla akho okuthenga kuphela. Uma ikhadi lakho lesikweletu alikho imali yokuthengiselana ngamazwe ngamazwe, ukukhokha ngemali yendawo kungakunika izinga lokushintshanisa elihle kakhulu ekuthengeni ngaphandle kwemali eyengeziwe efihliwe.