Tam sim no muaj 100% txoj hauv kev ntawm kev lag luam kev lag luam tawm tsam Asmeskas kev lag luam hauv ib xyoos, raws li qhov kev kwv yees zaum kawg los ntawm Bloomberg.
Bloomberg economists Anna Wong thiab Eliza Winger yav dhau los tau kwv yees 65% qhov tshwm sim rau kev lag luam kev lag luam yuav tshwm sim thaum Lub Kaum Hli 2023 - tab sis Fed tus nqi hikes thiab cov nyiaj txiag tsis zoo muaj Wong thiab Winger zoo li kev lag luam yuav pom kev poob qis rau xyoo tom ntej.
Tus qauv Bloomberg Economics tso siab rau 13 qhov ntsuas macroeconomic thiab nyiaj txiag rau nws qhov kev kwv yees. Thaum lwm tus kws tshaj lij nyiaj txiag tau tsa lub suab ceeb toom tias kev lag luam poob qis yuav tshwm sim xyoo tom ntej, Thawj Tswj Hwm Biden nyuam qhuav hais rau CNBC tias nws tsis pom qhov tshwm sim.
Yog tias muaj dab tsi, Biden cia siab tias feem ntau nws yuav yog "kev lag luam me me."
Txawm li cas los xij, raws li qhov kub thiab txias pib poob, nws tab tom saib zoo li kev lag luam yuav ib yam nkaus. Qhov no txhais tau tias tam sim no yog lub sijhawm los ua cov kauj ruam tsim nyog los tiv thaiv koj cov nyiaj txiag los ntawm qhov xwm txheej phem tshaj plaws.
Tsis nco
Them koj cov nuj nqis
Nws yog qhov zoo dua los pib them koj cov nuj nqis tam sim no yog tias koj tuaj yeem ua tau, tsis yog tos kom nce nqi kom txias.
Tsoom Fwv Teb Chaws Reserve Bank ntawm New York tau tshaj tawm thaum Lub Yim Hli tias tag nrho cov nuj nqis hauv tsev hauv Teb Chaws Asmeskas tau nce mus txog $ 16.15 trillion nyob rau lub quarter thib ob ntawm 2022. Cov credit card tshuav nyiaj tau nce 13% - qhov loj tshaj qhov nce hauv ntau tshaj ob xyoo lawm - raws li ntau tus neeg Asmeskas yog tawm tsam kom tau raws li lawv cov nuj nqis txhua hnub thaum muaj kev nce nqi siab.
Txawm li cas los xij, thaum muaj kev poob qis, muaj kev lag luam tsis paub tseeb thiab kev loj hlob tsawg dua. Qhov no txhais tau tias muaj thiab muaj feem ntau dua ntawm kev poob haujlwm thiab them nyiaj txiav - qhov tseeb, Fed twb tau hais tias cov nyiaj poob haujlwm yuav nce mus rau 4.4% xyoo tom ntej thiab tseem siab rau xyoo 2025.
Them tawm koj cov nuj nqis tam sim no txhais tau tias koj yuav tsis tas yuav txhawj xeeb txog kev cuam tshuam ntawm cov paj laum. Ntxiv rau koj yuav zoo dua los daws cov teeb meem nyiaj txiag muaj xwm txheej ceev. Feem ntau muaj ob txoj hauv kev los daws koj cov nuj nqis: koj tuaj yeem pib los ntawm kev them koj cov nyiaj qiv nrog cov paj laum siab tshaj plaws ua ntej lossis cov nuj nqis me uas yooj yim dua kom them sai sai.
Khaws qee cov nyiaj seem cia tseg
Raws li cov neeg Asmeskas ntau dua nyob paycheck mus paycheck Txhawm rau kom muaj kev nce nqi nce ntxiv, tsawg dua tuaj yeem tsom mus rau kev tsim lawv cov nyiaj khaws cia.
Yuav luag ib nrab ntawm cov neeg laus hais tias lawv txuag thiab nqis peev tsawg dua li niaj zaus, raws li cov ntaub ntawv tshiab los ntawm Ipsos-Forbes Advisor US Consumer Confidence Tracker. Thiab kwv yees li peb ntawm 10 ntxiv tias lawv tab tom ua haujlwm rau tapping rau hauv lawv khaws nyiaj ntau dua li ib txwm.
Koj yuav xav tau cushioning ntau dua rau huab cua kev lag luam - cov kws tshaj lij feem ntau pom zoo rau koj teem ib sab peb mus rau rau lub hlis' tsim nyog cov nuj nqis nyob hauv ib txwm muaj. Tab sis yog tias koj tawm tsam kom txuag tau thaum tus nqi tseem siab, pib me me thiab ua haujlwm nrog ntau lub hom phiaj ua tiav.
Diversify koj cov nyiaj tau los
Koj paub lawv hais li cas — tsis txhob muab tag nrho koj cov qe tso rau hauv ib lub tawb. Thiab qhov no yog qhov tseem ceeb tshwj xeeb tshaj yog nyob rau lub sijhawm ntawm kev lag luam tsis paub tseeb.
Tej zaum koj yuav xav txog noj ib sab hustle rau qee qhov nyiaj ntxiv los ntxiv koj cov nyiaj tau los. Thiab nws tsis raug mob tias nws tuaj yeem ua lub hauv paus nyiaj txiag yog tias koj khiav mus rau qhov kev npaj txhij txog lossis poob koj txoj haujlwm.
Insurance comparison website Insuranks qhia tias 93% ntawm cov neeg Amelikas uas ua haujlwm puv sijhawm lossis ib nrab sijhawm muaj kev ntxhov siab - thiab 44% ntawm lawv hais tias lawv tau ua haujlwm ntxiv los pab ua kom tiav.
Yog tias qhov ntawd tsis tsim nyog rau koj, koj tuaj yeem nrhiav lwm txoj hauv kev los ntawm kev lag luam Tshuag. Txawm tias kev lag luam kev xav tau qis tam sim no, uas tseem ua rau nws yog lub sijhawm zoo los khaws cov khoom ntawm pheej yig. Saib rau hauv kev tsim kom muaj ntau hom kev lag luam nrog cov haujlwm uas ib txwm ua fare zoo nyob rau lub sij hawm ntev, zoo li cov neeg siv khoom staples, kev kho mob thiab kev siv hluav taws xob.
Yuav nyeem dab tsi tom ntej
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Billionaire Carl Icahn ceeb toom 'koj tuaj yeem kho tsis tau' kev nce nqi dawb-kub - tab sis thaum ib tus neeg tuaj saib nug nws rau cov khoom xaiv, nws muab cov 2 npe ' pheej yig thiab siv tau'
Kab lus no muab cov ntaub ntawv nkaus xwb thiab yuav tsum tsis txhob muab txhais ua cov lus qhia. Nws tau muab yam tsis muaj kev lees paub ntawm txhua yam.
Tau qhov twg los: https://finance.yahoo.com/news/no-doubt-bloomberg-economists-now-200000007.html