Peter Schiff

**FPeter David Schiff** ( / ʃɪf / ; an haife shi a ranar 23 ga Maris, 1963; wanda aka yi wa laƙabi da "Dr. Doom")    ɗan dillalin hannun jari ne na Amurka, mai sharhi kan harkokin kuɗi, kuma mutumin rediyo. Ya haɗu da kafa Echelon Wealth Partners a Kanada (wanda a da yake Euro Pacific Canada).  Yana da hannu a wasu kamfanonin ayyukan kuɗi ciki har da Euro Pacific Asset Management, a matsayin mai ba da shawara kan saka hannun jari mai zaman kansa,  da Schiff Gold (wanda a da yake Euro Pacific Precious Metals).  Ya soki ayyukan banki da bashi na Amurka  da kuma kuɗaɗen crypto . 

## Rayuwa ta sirri
An haifi Schiff a cikin dangin Yahudawa masu matsakaicin matsayi  a New Haven, Connecticut . Mahaifinsa, Irwin Schiff, ɗan Yahudawa ne da suka yi ƙaura daga Poland. Iyayen Schiff sun sake shi tun yana ƙarami kuma ya yi ƙaura a cikin ƙasar tare da mahaifiyarsa da ɗan'uwansa, Andrew, daga Connecticut zuwa Manhattan zuwa Florida sannan daga ƙarshe zuwa Kudancin California .  Peter Schiff ya yaba wa mahaifinsa saboda gabatar da shi ga Makarantar Tunanin Tattalin Arziki ta Austria . 

Irwin Schiff fitaccen mutum ne a cikin ƙungiyar masu zanga-zangar haraji ta Amurka. Ya mutu a gidan yarin tarayya a watan Oktoban 2015 yayin da yake zaman gidan yari na akalla shekaru 13 saboda kin biyan haraji .   Peter Schiff bai amince da matsayin mahaifinsa mai tsauri ba, kuma a shekarar 1980, ya roƙe shi da ya daina ayyukan zanga-zangar haraji da yake yi, wanda yake ganin "ƙiyayya mara amfani". Daga baya ya bayyana cewa duk da cewa ya ga cewa batun ilimi na mahaifinsa "mai ban sha'awa", bai yarda ya bi hanyoyinsa da kuma "ra'ayinsa ba". Schiff ya yi tsokaci, "Matsalar da mahaifina ke da ita ita ce ba ya aiki. Kullum zai sha kaye".  A ranar 20 ga Oktoba, 2015, kwanaki huɗu bayan mutuwar mahaifinsa, Schiff ya zargi Ofishin Jakadancin Tarayya da yin wa mahaifinsa rashin tausayi da kuma rashin barin a saki mutane da aka saba yi. 

## Aikin kasuwanci
Schiff ya fara aikinsa a matsayin dillalin hannun jari a wani dillalin Shearson Lehman Brothers a farkon shekarun 1990. 

A shekarar 1996, Schiff da wani abokin hulɗa sun sami wani kamfanin dillali mara aiki kuma suka sake masa suna Euro Pacific Capital, kuma suka fara gudanar da shi daga wani ƙaramin ofishi a Los Angeles.  Sun ƙaura da kamfanin zuwa Darien, Connecticut, a shekarar 2005,  daga baya kuma zuwa Westport, Connecticut, inda a halin yanzu hedikwatarsa tana da ofisoshin reshe a faɗin Amurka a Scottsdale, Arizona ; Boca Raton, Florida; Newport Beach da Manhattan Beach, California ; da kuma birnin New York.  Schiff ya sayar da Euro Pacific Capital, wanda yanzu ake kira Alliance Global Partners . 

Schiff ya kafa Bankin Euro Pacific, wani cikakken bankin ajiya wanda aka fara amfani da shi a St. Vincent da Grenadines . 

### Bincike da ƙara
A ranar 30 ga Yuni, 2022, Ofishin Kwamishinan Cibiyoyin Kuɗi na Puerto Rico (OCIF) ya sanar da dakatar da ayyukan Bankin Ƙasa da Ƙasa na Euro Pacific na Schiff da ke Puerto Rico, wanda ake zargi da taimakawa wajen safarar kuɗi da kuma guje wa haraji . Kwamishinan ya bayyana cewa ya gano cewa ya karya dokokinsa da dama kuma bankin "bai so ya bi ba". Masu kula da harkokin kuɗi sun rufe bankin, kuma Schiff ya biya tarar dala $300,000.   

Schiff ya yi iƙirarin cewa matakan OCIF sun faru ne saboda zarge-zargen da  da jaridar *The Age* suka yi, suna cewa, "Babu yadda waɗannan zarge-zargen za su kasance gaskiya, amma da zarar waɗannan labaran suka bazu, kasuwancin bankin ya yi tashin gwauron zabi."  A shekarar 2022, Schiff ya shigar da ƙarar farar hula a kan jaridar Nine Network da jaridar *The Age* saboda ɓata suna kan hirar da aka yi da *60 Minutes Australia* da kuma labaran *Age* da suka biyo baya.  Daga baya a shekarar 2022, wani alkali a ƙasar Ostiraliya ya yanke hukuncin cewa *60 Minutes* ya ɓata sunan Schiff amma *The Age* bai ɓata sunan ba. 

Zuwa Disamba 2023, an warware shari'ar farar hula.  An biya Schiff dala $360,000, kuma waɗanda suka amsa sun cire dukkan nau'ikan watsa shirye-shiryen *minti 60.* 

Schiff ya bayyana cewa ya yi asarar miliyoyin daloli saboda binciken. 

## Ra'ayoyin manufofin tattalin arziki da na jama'a

### Rikicin kuɗi na 2008
A wata hira da aka yi da shi a watan Agusta na 2006, Schiff ya ce, "Amurka kamar *[[Titanic]]* take kuma ina nan tare da jirgin ceton mutane yana ƙoƙarin sa mutane su bar jirgin.... Ina ganin matsalar kuɗi ta gaske za ta zo wa Amurka."  A ranar 31 ga Disamba, 2006, a cikin wata muhawara ta talabijin a Fox News, Schiff ya yi hasashen cewa "abin da zai faru a 2007 shine farashin gidaje," wanda ya kai kololuwa a watan Disamba na 2005,  "za su dawo ƙasa."

A cikin littafinsa *na Crash Proof* na shekarar 2007, Schiff ya rubuta cewa manufofin tattalin arzikin Amurka ba su da inganci.  Tun daga lokacin ya faɗi sau da yawa cewa ba tare da canji a manufofin tattalin arzikin gwamnatin Amurka ba, za a sami hauhawar farashin kaya   kuma rashin daidaito tsakanin adadin kayayyakin da Amurka ke amfani da su da abin da ta samar zai haifar da matsaloli ga tattalin arzikin Amurka . A matsayin magani, ya fifita karuwar tanadi da samarwa na mutum don haɓaka ci gaban tattalin arziki.  Schiff ya ambaci ƙarancin kuɗin ajiyar mutum na Amurka a matsayin ɗaya daga cikin dalilan da suka sa ta sauya daga babbar ƙasar mai ba da bashi a duniya a shekarun 1970 zuwa babbar ƙasar da ke bin bashi a shekarar 2000.  Ya danganta ƙarancin kuɗin ajiyar kuɗi ga abin da ya yi iƙirarin shine hauhawar farashin kaya da ƙarancin kuɗin ruwa da Babban Bankin Tarayya ya tsara. 

A cikin shekarun 2008 da 2010 da suka bayyana a Fox News da kuma cibiyar labarai ta kuɗi ta CNBC, Schiff ya ambaci abubuwa kamar hasashe da "rashin ka'idojin bayar da rance"   a matsayin abubuwan da suka haifar da matsalar gidaje, wadda ta fara a shekarar 2007.

A ranar 13 ga Disamba, 2007, a wata hira da aka yi da shi a shirin talabijin na Bloomberg "Open Exchange," Schiff ya kara da cewa yana jin cewa rikicin zai shafi masana'antar bayar da lamuni ta katin kiredit, kuma ya kira lamunin masu amfani da katin kiredit "cutar daji ga tattalin arzikin kasuwa mai 'yanci." Schiff ya ce ƙimar riba za ta tashi, dala za ta "rushe," kuma dukkan nau'ikan kadarorin da aka tara da dala za su faɗi a darajar idan aka kwatanta da kadarorin da ba na Amurka ba. Ya yi hasashen "babban rikici" da "fashewar kuɗaɗen katin kiredit" a shekarar 2008, wanda sakamakon haka zai zama "rage" iyakokin kashe kuɗin katin kiredit na masu bayar da katin. Ya ƙara da cewa Amurkawa ba za su sake iya yin sayayya ta amfani da layukan katin kiredit ɗinsu ba. Wannan hasashen bai cika ba. Da yake magana game da kasuwar gidaje, Schiff ya ci gaba da sukar manufar gwamnatin Bush na "ɓata wa masu ba da lamuni suna kuma barazana" saboda basussukan da ba su dace ba. 

A cikin wani jawabi da ya yi a watan Maris na 2009, Schiff ya ce ba zai yiwu a biya bashin da Amurka ke bin China ba sai dai idan darajar dala ta ragu sosai sakamakon hauhawar farashin kayayyaki. A watan Satumba na 2009, inda zinare ya yi kasa da dala 1,000 a kowace oza, Schiff ya ce ya hango zinare zai kai sama da dala 5,000 a kowace oza a nan gaba, kuma taron kasuwar hannayen jari da ya fara a wannan shekarar "yawon bude ido ne a kasuwar beyar." 

### Haraji
A watan Maris na 2011, Schiff ya bayyana cewa harajin tallace-tallace na ƙasa ya kamata ya maye gurbin harajin kuɗin shiga na mutum da na kamfanoni, domin yana ganin cewa na biyun yana hana aiki maimakon harajin amfani . Zaɓinsa na biyu shine ƙimar haraji mai tsauri, wanda zai kawar da duk wasu ragi, gami da ragin harajin jinginar gida mai shahara, domin yana ganin bai kamata gwamnati ta ba da tallafi ga siyan gidaje maimakon haya ba. 

### Medicare
A watan Agusta na 2012, Schiff ya soki hanyar Paul Ryan *zuwa ga wadata* ta hanyar cewa "ba ta da yawa, ta makara." Da yake magana game da shirin Ryan na gyara Medicare, Schiff ya ce, "Me yasa za mu so mu kiyaye shi? Tsarin Ponzi ne ... Abin da muke buƙata da gaske shine ainihin rage Medicare a yau ga mutanen da suka riga suka shiga tsarin." 

### Bitcoin
Schiff mutum ne mai yawan shakku game da Bitcoin . A wasu lokutan ya kan yi tsokaci cewa yana ganin Bitcoin yana kama da kumfa mai kama da tulip mania . 

A ranar 19 ga Janairu, 2020, Schiff ya yi iƙirarin cewa walat ɗinsa na Bitcoin ya 'lalace' kuma saboda haka ya rasa duk bitcoin ɗin da ya taɓa mallaka, ba tare da laifinsa ba. "Walat ɗina ya lalace ta wata hanya kuma kalmar sirrita ba ta aiki. Don haka yanzu ba wai kawai Bitcoin dina ba shi da amfani a zahiri; ba shi da ƙimar kasuwa. Na san mallakar Bitcoin mummunan ra'ayi ne, kawai ban taɓa sanin cewa hakan ya yi muni ba."  An ce wannan iƙirarin ƙarya ne kamar yadda Erik Voorhees ya bayyana daga baya, kamar yadda ya tabbatar da cewa, hakika, ya taimaka wa Schiff ya kafa walat ɗin Bitcoin ɗinsa, kuma ya rubuta cewa Schiff "ya manta (da) pw, kuma bai taɓa rubuta kalmar (murmurewa) ba". "Idan na ba shi oza ɗaya na zinariya kuma ya jefar da shi a kan titi, shin zai yi Allah wadai da ƙarfe mai daraja a matsayin tsarin kuɗi mara amfani?"  

### Amsoshi
Gargaɗin da Schiff ya yi game da durkushewar tattalin arziki ya sa aka yi masa lakabi da "Dr. Doom",     Wani bidiyo da masu sha'awar YouTube suka wallafa, "Peter Schiff ya yi gaskiya," ya shahara a ƙarshen 2008 da 2009.   Ya ƙunshi tarin bayyanarsa a shirye-shiryen talabijin daban-daban na kuɗi tsakanin 2005 da 2007.

Dangane da lokacin da suka rungumi dabarunsa, mabiyan Schiff na iya samun riba mai ƙarfi, matsakaici ko mara kyau. A watan Janairun 2009, mai rubutun ra'ayin kanka a yanar gizo na tattalin arziki kuma mai ba da shawara kan saka hannun jari Michael Shedlock ya rubuta, "Na yi magana da mutane da yawa waɗanda ke da'awar sun saka hannun jari tare da Schiff kuma sun faɗi daga kashi 40% zuwa 70% a cikin 2008."  Daga baya a wannan makon, wani labarin ya bayyana a cikin *Jaridar Wall Street Journal* yana ba da rahoton cewa kamfanin dillalin Schiff ya "shawarci abokan cinikinsa da su yi fare cewa dala za ta ragu sosai kuma hannun jarin ƙasashen waje zai fi takwarorinsu na Amurka" amma dala daga baya ta ci gaba da ƙaruwa akan yawancin kuɗaɗen, "tana ƙara yawan asarar da aka samu daga hannun jarin ƙasashen waje."  Dangane da sukar Shedlock, Schiff ya rubuta cewa "duba ingancin dabarun saka hannun jari na nan da nan bayan babban gyara ta hanyar duba asusun da suka rungumi dabarun a lokacin da ya gabata ba daidai ba ne kuma yana da nasaba da rudani."     A watan Disamba na 2012, Schiff ya rubuta wani kasida mai taken "An fallasa Mish Shedlock" inda ya soki Shedlock saboda amfani da bayanai na ɗan gajeren lokaci a rikicin kuɗi na 2008 kuma ya yi jayayya cewa dabarun saka hannun jarinsa sun sami riba mai yawa a cikin dogon lokaci. 

Masanin tattalin arziki Paul Krugman ya soki ra'ayoyin Schiff sau da yawa, wanda ya bayyana hauhawar farashin kaya daban da Schiff, yana mai da hankali kan karuwar CPI maimakon hauhawar farashin kuɗi da kadarori. Schiff ya yi imanin cewa hauhawar farashin kaya a ƙarshe yana haifar da ƙaruwa a farashin masu amfani bayan wani lokaci na jira marar iyaka. A watan Oktoba na 2010, Krugman ya rubuta, "Ana ci gaba da gaya mini cewa Peter Schiff ya yi gaskiya game da komai; to, ta yaya wannan hauhawar farashin yake tafiya?"  A watan Disamba na 2011, Krugman ya ambaci maganar Peter Schiff daga Disamba na 2009: "Na san hauhawar farashin kaya zai yi muni a 2010. Ko zai ƙare da iko ko zai ɗauki har zuwa 2011 ko 2012, amma na san za mu sami babban rikicin kuɗi nan ba da jimawa ba. Zai ninka matsalar kuɗi kuma zai aika farashin masu amfani da shi gaba ɗaya, da kuma ƙimar riba da rashin aikin yi." Krugman ya lura cewa hauhawar farashin kayayyaki ta kasance ƙasa kuma ya kammala da cewa irin tsarin tattalin arziki na Schiff ba daidai ba ne, domin yana hasashen cewa sau uku na tushen kuɗi, kamar wanda ya faru kwanan nan, dole ne ya haifar da "mummunan tasiri ga matakin farashi." 

A watan Janairun 2012, Schiff ya bayyana cewa an jinkirta rikicin bashin Amurka da hauhawar farashin kayayyaki sakamakon manufofin gwamnati ne kawai.  A watan Nuwamban 2012 da kuma a watan Nuwamban 2014, Krugman ya maimaita sukar da ya yi wa hasashen Schiff game da hauhawar farashin kayayyaki da hauhawar farashin kayayyaki a Amurka.  

A watan Nuwamba na 2008, Schiff ya ce yana goyon bayan rage dokokin tattalin arziki na gwamnati kuma yana damuwa cewa gwamnatin Obama za ta iya ƙara irin wannan doka.  Ya ce Babban koma bayan tattalin arziki ya ba da damar canzawa daga lamuni da kashe kuɗi zuwa tanadi da samarwa. Ya soki ƙoƙarin gwamnatin Amurka na "sauƙaƙa wa radadi" da fakitin ƙarfafa tattalin arziki da ceto, domin ya yi imanin cewa maye gurbin "halattacen tanadi da injin buga littattafai" zai haifar da hauhawar farashin kadarori, hauhawar farashin masu amfani daga ƙarshe, kuma idan ba a yi taka-tsantsan ba, zai iya haifar da hauhawar farashin kayayyaki.  &#x5B; ** &#x5D;

Misali, a shekarar 2009, Schiff ya annabta "lokacin raguwar tattalin arziki tare da karuwar farashi cikin sauri." Masu sukar Schiff sun nuna cewa duk da cewa hauhawar farashin kadarori ta kasance mai yawa, hauhawar farashin masu amfani ta kasance ƙasa sosai a cikin shekaru biyar da suka biyo baya duk da hasashensa. 

Lokacin da Fed ta kawo ƙarshen shirin rage yawan kuɗi a watan Oktoba na 2014, ra'ayin gabaɗaya shine Fed zai gudanar da ƙarin hauhawar farashi da yawa a shekarar 2015. Sabanin haka, Schiff ya annabta cewa kasuwa ba za ta iya jure ko da ƙaramin ƙaruwar ƙimar riba ba, don haka Fed ta sanar da ƙarin ƙimar ba zai yi wuya ba. Duk da haka, ya buɗe yiwuwar ƙarin ƙarin ƙimar tushe amma ya yi tsammanin zai yi babban tasiri ga kasuwar hannun jari kuma zai kai Amurka ga koma bayan tattalin arziki, don haka Fed za ta tilasta wa ta soke manufofinta ta ci gaba da shirin QE.

## Aikin siyasa

### Yaƙin neman zaɓen shugaban ƙasa na Ron Paul na 2008
Schiff ya kasance mai ba da shawara kan tattalin arziki ga yakin neman zaben shugaban kasa na Ron Paul a shekarar 2008. 

### Yaƙin neman zaɓen Majalisar Dattawan Amurka na 2010
 
A watan Disamba na 2008, wasu 'yan asalin Connecticut sun ƙirƙiri wani gidan yanar gizo da ke ƙarfafa Schiff ya yi yaƙin neman zaɓe a kan Sanata mai ci Christopher Dodd .   Kimanin mutane 5,000 ne suka bayar da gudummawar kamfen ta amfani da gidan yanar gizon.  A ranar 21 ga Fabrairu, 2009, wani harin kuɗi ya tara sama da dala 20,000 don kamfen ɗin Schiff. 

A cikin wani shafin bidiyo na watan Mayun 2009, Schiff ya ce yana da ra'ayin tsayawa takarar Majalisar Dattawan Amurka, kuma lokacin da wani wakilin Washington Post ya yi masa tambaya, ya ce damar shiga siyasa "ta fi kyau fiye da 50-50." [1] A watan Yunin 2009, Schiff ya ba da umarnin gudanar da wani bincike na masu jefa ƙuri'a wanda ya nuna cewa ya biyo bayan Dodd a cikin farin jini da maki huɗu kacal. [2] A ranar 9 ga Yuli, 2009, Schiff ya ƙaddamar da kwamitin bincike da kuma gidan yanar gizon kamfen na hukuma.

Bayan ya ba da wasu shawarwari zai tsaya takara a *shirin The Daily Show*,  Schiff ya sanar da takararsa ta neman takarar jam'iyyar Republican a hukumance a ranar 17 ga Satumba, 2009, a lokacin shirin MSNBC *Morning Joe* .   Zuwa Oktoba 2009, Schiff ya sami gudummawar da ta wuce 10,000 da kuma imel da yawa daga ko'ina cikin duniya.  Kamfen ɗin Schiff ya sami goyon baya daga Ron Paul da Steve Forbes .  

A taron jam'iyyar Republican na watan Mayun 2010, Linda McMahon ta sami mafi yawan kuri'un wakilai amma ba ta isa ta hana Rob Simmons ya kayar da zaɓen fidda gwani na watan Agusta ba. Schiff ya kasa cancantar shiga zaɓen fidda gwani a taron amma ya zama ɗan takarar jam'iyyar Republican ɗaya tilo da ya yi nasarar shigar da ƙara a zaɓen.  McMahon ya lashe zaɓen fidda gwani da kashi 49% na ƙuri'un. Simmons ya zo na biyu da kashi 28% na ƙuri'un, kuma Schiff ya zo na uku da kashi 23% na ƙuri'un. 

Richard Blumenthal, wanda ya lashe zaɓen fidda gwani na jam'iyyar Democrat, ne ya lashe zaɓen. 

### Sauran amincewa
A watan Afrilun 2008, Schiff ya amince da Murray Sabrin a matsayin wanda zai tsaya takarar kujerar Majalisar Dattawan Amurka a New Jersey . 

Schiff ba ta goyi bayan McMahon a zaɓen fidda gwani na jam'iyyar Republican na 2012 ba, sai dai abokin hamayyarta, tsohon wakili Christopher Shays .  Shays ya sha kaye a zaɓen fidda gwanin a hannun McMahon,  wanda ya sha kaye a zaɓen gama gari ga ɗan Democrat Chris Murphy .

A ranar 18 ga Yuli, 2025, Schiff ya yi Allah wadai da Elon Musk da kuma jam'iyyarsa ta Amurka, yana mai cewa yunƙurin Musk na neman "tsakiya" tsakanin 'yan Republican da Democrat aiki ne na wawaye . 

## Littattafai

* *Tabbatar da Faduwar Kasuwa: Yadda Ake Riba Daga Rushewar Tattalin Arziki Mai Zuwa*, 2007, 
* *Ƙaramin Littafin Bijimi Yana Tafiya a Kasuwannin Beyar: Yadda Ake Ci Gaba da Haɓaka Fayil ɗinku Lokacin da Kasuwa Ta Ragu*, 2008, 
* *Hujjar Faɗuwa 2.0: Yadda Ake Riba Daga Rushewar Tattalin Arziki, Bugu na 2*, 2009, 
* *Ƙaramin Littafin Bijimi Yana Canzawa, Sabuntawa da Faɗaɗawa: Yadda Ake Ci gaba da Ajiye Fayil ɗinku Lokacin da Kasuwa Ta Haura, Ƙasa, Ko Gefe*, 2010, 澳门威尼斯人官网开户
* *Yadda Tattalin Arziki Ke Bunƙasa da Dalilin da Ya Sa Yake Faɗuwa*, 2010,  Yadda Tattalin Arziki Ke Bunƙasa Da Kuma Dalilin Da Ya Sa Yake Faɗuwa | Wiley 
* *Babban Hadari: Fatara Da Ke Tafe A Amurka – Yadda Za Ku Ceci Kanku Da Ƙasarku*, 2012, Cikakkun bayanai game da littafin 

## Manazarta