Mahofisi eMasisheni: Revenue vs General Obligation

Kuziva Kusiyanisa Pakati Pezvikamu zviviri zveMabhanki emunharaunda

Nokuti ndiyo nzira inoshandiswa nemaguta, matare, uye nyika kuvaka migwagwa, zvikoro, zvipatara, zvipatara, nzvimbo dzekugezera kwemvura, migwagwa yemvura, uye nezvimwe zvakawanda, mutero wemasimende mushambadzi wekutengeserana huwandu. Asi, pavanotarisa kusungirirwa kwehutano uye ruzivo rwavo, zvinokurumidza kuona pachena kuti haisi masangano ose emasisita akaumbwa zvakaenzana. Kazhinji, kune maviri maviri emasisita emumasitrasi: yekutanga anozivikanwa seGwaro Rinotarisirwa Zvibvumirano kana GO bonds, kwenguva pfupi; yechipiri inozivikanwa seRithene bonds.

Zvose zvinotarisirwa uye kubhadhara zvikwereti zvakasiyana kubva kune umwe kunekuti vane kusiyana kwakasiyana-siyana kwemari inoyerera iyo ichava nemhosva yekubhadhara vatengesi vanopa hurumende kubvisa zvisungo. Kuti ikubatsire kusiyanisa uye kunzwisisa maB bond uye Revenue bonds, ini ndichatsanangura kusiyana kukuru pasi apa, uyewo kutsanangura kuti ndeipi iyo yepamusoro yakasarudzwa chisarudzo. Izvi zvinogona kukupa simba kuti uzive kuti ndeupi rudzi rwekuchengetedza iwe uri kuwedzera pane yako yemapatoti uye, ini ndinotarisira, kukubvumira kurara zviri nani usiku nekuziva kuti chii chauri iwe pachako.

Zvose Zvinotarisirwa Mahofisi Manyika

Iyo yakawanda, uye inowanzochengeteka, rudzi rwemasisita ezvisungo dzinozivikanwa seGwaro Rinofanira Kusungirwa. Izvi zvinotsigirwa nekutenda kwakakwana uye chikwereti chemunhu anopa chikwereti, kusanganisira simba raMasisita kubhadhara vagari varo. Kubva kumataundi maduku ari pakati nepakati kwenyika kusvika kune dzimwe nyika dzakadai seCalifornia, masangano emasuo ehurumende anowanzosiyana nemasimba ane simba zvichienderana nehuwandu hwevanhu, huwandu hwevanhu, uye hupfumi hwevanhu vanogara uye vanoshanda munharaunda, pamwe chete nekodzero yemari uye bhadharo maonero yehurumende yehurumende inoburitsa zvisungo.

Vakawanda vanoona nezvekutsinhanisa mari vanoparadzanisa Gwaro reMitemo yeMagwaro ose muzvikamu zviviri:

• Mutero usingagumi Mutemo Wose Wakafanira Bond: Mabhendi aya emasisita anotsigirwa nehuwandu hwemagetsi ekubhadhara wemupi. Inogona kuwanzoshandisa mitero yemitengo, kutengesa mitero, mitero inokosha, nemamwe mabhizimusi ekubhadhara zvikwereti, uyewo chikwereti chaidiwa kune vashandi.

• Kushanda Mutero Mutoro Wose Zvikwereti Zvikwereti: Aya masangano emasisita anotsigirwa nehuwandu, hushoma simba rekutengesa. Semuenzaniso, taundi rinogona kupfuudza musungo wekuvakira bhiriji uye kubvumirana nekuwedzera kwe1 ¢ mutero wekutengesa we $ 1.00 yakaitwa mukati memuganhu weguta kwemakore mashanu kubhadhara chikwereti.

Muzana rose remakore rapfuura, Gwaro reMitemo rinosungirirwa hurumende rakange iri pakati pezvisungo zvakachengeteka zvakabviswa munyika. Chinhu chinonyanya kubatsira pakuchengeteka uku ndechekuti vazhinji vezvikwata zvezvisungo zvinongosikwa apo vateresi vanovhota panyaya dzehutano. Izvozvo zvinoreva kuti vagari venharaunda vanozvipira kumari, uye pane kazhinji pane zvinokwana zvinhu zvakakwana kana simba rekubhadhara rakavakirwa mumutauro wekuvhota kubhadhara vatyairi vanopa mari.

Revenue Municipal Bonds

Chibvumirano chekubhadhara chinobudiswa nemunharaunda ndicho chinotsigirwa nehuwandu hwemari. Semuyenzaniso:

• Guta rinogona kuvaka nhandare kana gungano rekugadzirira uye inoda mari yekushandiswa kana yakabhadharwa pamakorani makuru, misangano, kana zviitiko zvemitambo, pamwe nemari inotsigira zvikwereti.
• Mutaundi unogona kuvaka nhandare yehurumende ndokuzobhadhara mari kune dzimwe ndege dzinofamba kuenda kune imwe ndege, zvigadzirwa zvinowanikwa mumugwagwa, magaraji ekupakisa ayo vanofambisa vanoshandisa kupisa motokari dzavo, nemari inoshandiswa kune rimwe rekiti dzendege dzakatengwa nevatengi.

• Dunhu rinogona kuvaka chipatara, iro richazoshandisa mari kubva kune nguva dzose, mabasa anoramba achidzorera kubhadhara zvisungo.
• Kusungirwa kwemvura kunoshandiswa nemasitraundi kuvaka masvingo emvura uye nzvimbo dzokurapwa kwemvura. Izvisungo zvinodzokorwa kushandisa mari yekushandisa uye mari yekuongorora.

Izvo Zviri Nani Zvakanaka - Zvikwereti Zvikwereti Zvikwereti zveMasisita kana Matero eMasisita eMasitadhi?

Sezvo iri mhinduro nezvinhu zvakawanda muhupenyu, zvinobva pane zvakananga zvehupfumi hupfumi huri kutarisira kutenga kana kutengesa, pamwe chete nemutengo waunopinda mutengesi. Zvisinei, semutemo wevose, zvose zvinokwana, Gwaro reMitemo rinosungirwa zvakachengetedzwa rakachengeteka uye hazvikwanisi kupera kupfuura Revenue municipal bonds. Chikonzero, icho iwe watofungidzira, ndechokuti masuwa ane ruzivo rwakakura rwemari inogona kuwana mari iyo inogona kuvhara kana ichizviwana isingakwanisi kuita chikwereti chekufarira kana kubhadhara mari yaive yakabhadhara apo mutero unouya nokuda maturity date.

Kunyange zvakadaro, usavimba nechirevo ichocho nokuti hachisi nguva dzose chechokwadi.

Kunze kweizvi, usakanganwa kuti kutengesa kwezvinhu kunogona kuve muvengi mukuru wepaimeri yako yehupfumi yemari uye iwe unogona kushandisa kushandisa hurumende yekushambadzira hurongwa kana iwe uine hanya nezveramangwana rezvibereko.

Yeuka kuti kana uwedzerwa pane zvakasara zvekutsinhanisa mari yekushambadzirwa nematokari, zvivako, nemamwe emari ekugadzirisa zvinhu, masangano emumatare anogona kunge ari mhedzisiro yakanaka yekubhadhara mari.