\u00deegar vi\u00f0 bjuggum \u00ed Danm\u00f6rku fyrir 7 \u00e1rum voru tekjur m\u00ednar a\u00f0 mestu \u00ed \u00edslenskum kr\u00f3num og \u00fev\u00ed f\u00e9kk \u00e9g nokkurn \u00e1huga \u00e1 gjaldeyrisvi\u00f0skiptum, enda ger\u00f0ist \u00fea\u00f0 \u00e1 \u00feessum t\u00edma a\u00f0 grei\u00f0slu seinka\u00f0i fr\u00e1 einum vi\u00f0skiptavini m\u00ednum og \u00feegar h\u00fan loksins barst, 1 og 1\/2 m\u00e1nu\u00f0i of seint haf\u00f0i kaupm\u00e1ttur hennar \u00ed Kaupmannah\u00f6fn r\u00fdrna\u00f0 um r\u00fam 20%. \u00deetta var enda \u00e1 \u00feeim t\u00edma sem $1 f\u00f3r \u00far 75 kr\u00f3num \u00ed 110 kr\u00f3nur \u00e1 nokkrum m\u00e1nu\u00f0um. \u00d3st\u00f6\u00f0ugleiki gengisins ger\u00f0i okkur erfitt fyrir og f\u00f3r svo a\u00f0 vi\u00f0 fluttum heim \u00ed d\u00fdrt\u00ed\u00f0ina og \u00e9g h\u00e6tti gjaldeyrisp\u00e6lingum.<\/p>\n
Enn \u00e1 n\u00fd sn\u00fdst l\u00edf mitt um gjaldeyri. \u00deegar vi\u00f0 seldum \u00edb\u00fa\u00f0ina okkar og veltum vi\u00f0 \u00fe\u00f3nokku\u00f0 fyrir okkur a\u00f0 millif\u00e6ra hagna\u00f0 s\u00f6lunnar til BNA, enda var gengi\u00f0 \u00e1 \u00feeim t\u00edma a\u00f0 g\u00e6la vi\u00f0 60 kr\u00f3nur fyrir hvern $1. \u00dear sem vi\u00f0 hins vegar \u00e6tlu\u00f0um ekki a\u00f0 nota hagna\u00f0inn h\u00e9r, heldur \u00e1vaxta hann hurfum vi\u00f0 fr\u00e1 \u00feessum hugmyndum og settum peningana inn \u00e1 lausan \u00f3ver\u00f0trygg\u00f0an bankareikning (vi\u00f0 erum \u00e1h\u00e6ttuf\u00e6lin \u00feegar kemur a\u00f0 peningum). \u00c1 \u00feessum t\u00edma hefur reikningurinn bori\u00f0 a\u00f0 jafna\u00f0i 12%+ vexti. Vi\u00f0 h\u00f6fum s\u00ed\u00f0an lagt allar tekjur fr\u00e1 \u00cdslandi inn \u00e1 reikninginn og millif\u00e6rt eftir \u00fe\u00f6rfum hinga\u00f0 til BNA e\u00f0a teki\u00f0 upp \u00edslensku grei\u00f0slukortin \u00feegar gengi\u00f0 hefur veri\u00f0 einstaklega hagst\u00e6tt.<\/p>\n
Vi\u00f0 \u00e1kv\u00e1\u00f0um hins vegar n\u00fa \u00ed lok j\u00fal\u00ed a\u00f0 millif\u00e6ra a\u00f0eins umfram \u00fearfir, einfaldlega \u00fear sem gengi\u00f0 er \u00f3venjuhagst\u00e6tt okkur \u00ed BNA og um lei\u00f0 \u00e1kva\u00f0 \u00e9g a\u00f0 sko\u00f0a hvernig \u00feetta fyrirkomulag haf\u00f0i komi\u00f0 \u00fat fj\u00e1rhagslega. S\u00e9r \u00ed lagi \u00fear sem s\u00e9rfr\u00e6\u00f0ingur minn \u00ed hagfr\u00e6\u00f0i benti m\u00e9r \u00e1 \u00ed j\u00fal\u00edbyrjun, a\u00f0 l\u00edklegast hef\u00f0u okkur or\u00f0i\u00f0 \u00e1 mist\u00f6k, me\u00f0 a\u00f0 f\u00e6ra peninginn ekki \u00e1 s\u00ednum t\u00edma. [Lei\u00f0r\u00e9tting: S\u00e9rfr\u00e6\u00f0ingurinn benti reyndar \u00e1 a\u00f0 st\u00e6rstu mist\u00f6kin hef\u00f0u veri\u00f0 a\u00f0 selja \u00edb\u00fa\u00f0ina, en ekki leigja \u00fat, \u00fear sem \u00edb\u00fa\u00f0arver\u00f0 hefur haldi\u00f0 \u00e1fram a\u00f0 h\u00e6kka, \u00fevert \u00e1 sp\u00e1r hausti\u00f0 2005. En hins vegar hef\u00f0i sl\u00edk hugmynd \u00e1 s\u00ednum t\u00edma og traust \u00e1 \u00e1framhaldandi \u00feenslu \u00e1 \u00edb\u00fa\u00f0armarka\u00f0i veri\u00f0 alv\u00f6ru “tr\u00faarst\u00f6kk”, sem vi\u00f0 vorum ekki til \u00ed \u00e1 \u00feeim t\u00edma.]<\/p>\n
Helstu ni\u00f0urst\u00f6\u00f0ur athugunar minnar var a\u00f0 vi\u00f0 h\u00f6fum f\u00e6rt pening \u00e1 milli \u00e1 gengi fr\u00e1 59,56 kr\u00f3nur og upp \u00ed 70,95 kr\u00f3nur. Me\u00f0algengi sem vi\u00f0 h\u00f6fum keypt \u00e1 er 66,04 kr\u00f3nur. Ef vi\u00f0 hef\u00f0um f\u00e6rt allt \u00ed upphafi hef\u00f0i gengi\u00f0 veri\u00f0 61,37 kr\u00f3nur. Vi\u00f0 h\u00f6fum \u00fev\u00ed borga\u00f0 a\u00f0 me\u00f0altali yfir 1,5 \u00e1rs t\u00edmabil 8% h\u00e6rra fyrir dollarann me\u00f0 \u00fev\u00ed a\u00f0 nota “demand”-a\u00f0fer\u00f0ina fremur en a\u00f0 f\u00e6ra allt \u00ed upphafi. Vextir h\u00e9r \u00ed BNA eru mj\u00f6g \u00f3verulegir \u00e1 sparna\u00f0arreikningum, hugsanlega 2,5%, ef vi\u00f0 hef\u00f0um beytt miklum fort\u00f6lum. Hins vegar hafa peningarnir bori\u00f0 r\u00famlega 12%+ vexti \u00e1 \u00cdslandi \u00e1 \u00feessum t\u00edma og \u00fev\u00ed l\u00edtur \u00fat fyrir a\u00f0 \u00e1kv\u00f6r\u00f0unin \u00ed upphafi hafi ekki veri\u00f0 mj\u00f6g r\u00f6ng\/r\u00e9tt, \u00fe\u00f3 \u00fea\u00f0 \u00feurfi mun fl\u00f3knari \u00fatreikninga til a\u00f0 sj\u00e1 hver hagna\u00f0ur\/tapi\u00f0 hafi reynst.<\/p>\n
Hins vegar er \u00f3vissan n\u00fa l\u00edkast til meiri en \u00e1\u00f0ur og lj\u00f3st a\u00f0 ef $1, tekur s\u00e9r langt\u00edmab\u00fasta\u00f0 ofan vi\u00f0 72 kr\u00f3nur e\u00f0a h\u00e6rra, \u00fe\u00e1 b\u00e6ta \u00edslensku vextirnir \u00fea\u00f0 ekki upp. En \u00e9g treysti \u00fev\u00ed a\u00f0 s\u00e9rfr\u00e6\u00f0ingar Se\u00f0labankans haldi \u00e1fram a\u00f0 nota vexti til a\u00f0 \u00fevinga ver\u00f0m\u00e6ti kr\u00f3nunnar upp \u00e1 vi\u00f0.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u00deegar vi\u00f0 bjuggum \u00ed Danm\u00f6rku fyrir 7 \u00e1rum voru tekjur m\u00ednar a\u00f0 mestu \u00ed \u00edslenskum kr\u00f3num og \u00fev\u00ed f\u00e9kk \u00e9g nokkurn \u00e1huga \u00e1 gjaldeyrisvi\u00f0skiptum, enda ger\u00f0ist \u00fea\u00f0 \u00e1 \u00feessum t\u00edma a\u00f0 grei\u00f0slu seinka\u00f0i fr\u00e1 einum vi\u00f0skiptavini m\u00ednum og \u00feegar h\u00fan loksins barst, 1 og 1\/2 m\u00e1nu\u00f0i of seint haf\u00f0i kaupm\u00e1ttur hennar \u00ed Kaupmannah\u00f6fn r\u00fdrna\u00f0 um … Continue reading Sveiflukennd kr\u00f3na<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wds_primary_category":0,"footnotes":""},"categories":[2],"tags":[21],"class_list":["post-1144","post","type-post","status-publish","format-standard","hentry","category-islenska","tag-business"],"_links":{"self":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts\/1144","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/comments?post=1144"}],"version-history":[{"count":0,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts\/1144\/revisions"}],"wp:attachment":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/media?parent=1144"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/categories?post=1144"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/tags?post=1144"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}