Zvikwereti zvisina kubhadharwa Tsanangudzo, Mienzaniso, uye Maitiro Aanoita Sei Vashandi
Kunyangwe zvinokonzerwa nevashambadziri vangave zvisina kunyatsojeka, zvikwereti zvisingabhadharwi zvinokonzera matambudziko mune ramangwana kana pasina chakaitwa kuti tigadzirise matambudziko.
Zvikwereti zvisina kubhadharwa Tsanangudzo uye zvinyorwa
Mumari nemari yezvemari, chikwereti chikwereti chepamutemo chemunhu, sangano kana sangano rehurumende kubhadhara chikwereti chinobva pane zvakaitika kare kana kutengesa ikozvino kana kuita. Muchidimbu, mutoro ndeyekupa mhosva kumunhu ane chikwereti iye zvino kana kuti remangwana. Chero chikwereti chisina kubhadharwa chikwereti chisingakwanisi ikozvino kana chakafananidzirwa kuvhara mutoro; saka zvinonzi hazvibhadharwi.
Mienzaniso Yezvikwereti Zvisina Kubhadhara: Hurumende yeUnited States uye Pensions
Mukutaura kuhurumende yeUnited States muenzaniso mukuru wemhosva isingabhadhari ndeye Social Security. Apo Social Security yakatanga kushandiswa naFranklin D. Roosevelt muna 1935, paiva nemari yakawanda inokwana (vanoshanda nevateresi) kuti vatsigire nhamba yeVabatsiri veRubatsiro rweMagariro evanhu (retirees). Muna 1940, chiyero chezvikwereti kune vaibhadharwa chaiva che159 kune rimwe. Nhasi chiyero chevashandi kune vanobatsirwa chinodarika matatu kusvika kune imwe.
Medicare ine dambudziko rakafanana nemhosva dzisina kubhadharwa.
Imwe muenzaniso wezvikwereti zvisina kubhadharwa ndeyezvirongwa zvepenheni. Semuenzaniso, hurongwa hwehupfumi hwehurumende hunonzi huri ne $ 6 trillion muzvikwereti zvisina kubhadharwa. Nyaya dzakaipisisa dzinosanganisira California, New York, Illinois, Ohio neTexas. Purogiramu yepensheni inobhadhara mari inobhadharwa uye inobhadharwa zvachose nemushandi panzvimbo yevashandi vavo.
Zvikwereti zvakawanda zvinobhadhara chikamu chemazana emubhadharo wevashandi vasati vatora mari. Imba yeupensheni inobva yava mhedzisiro yemari yekusunungurwa kwevakasara vehupenyu hwavo. Asi apo mushandi achiri kushanda nesimba, vanovimbiswa penheji, vachifunga kuti mushandi anozadzisa zvimwe zvaanoda, zvakadai sekusara akashanda nemubhidha anotarisira imwe nhamba yemakore.
Pensions iri kuramba ichiwedzera zvisinganzwisisiki nekuda kwemutoro wezvemari wepurogiramu inotsigira uye senzira yekudzivirira zvikwereti zvakawanda zvisingabhadharwi. Nokuda kwechikonzero ichi, huwandu hwevashandirwi hunopa zvirongwa zvinorondedzerwa, zvakadai se 401 (k) hurongwa , iyo inonyanya kubhadharwa nemushandi. Mupiro wemuga wega wekushandisa kune 401 (k) s ndiyo inoshandiswa nemushandi, iyo inowanzonyatsoziva.
Zvingaitwa Mari Zvisina Kubhadhara Zvinogona Kushandisa Vateresi, Vashandi nevatengi
Vabatanidzwa vezvikwereti zvisina kubhadhara zvinosanganisira masangano ehurumende, vateresi, makambani, vateresi, uye vatengesi. Semuenzaniso, vateresi vanokonzerwa nezvikwereti izvi zvisina kubhadhara zvepensheni nekuti ndivo ndivo vanobhadhara mari yekubhadhara mubhadharo uye kubatsirwa kwevashandi vehurumende. Zvikwereti zvinowedzera zvisina kubhadhara zvinoita kuti zvikwereti zvakakwirira kune chikwereti, izvo zvinoreva kuti mari zhinji inoenda kune pensions inogona kuenda kune dzimwe hupfumi nemabasa ehurumende, zvakadai sekuchengetedzwa kwevanhu, migwagwa, uye dzidzo.
Vashandi vanogadziriswa nekudururira zvikwereti zvisingabhadharwi pavanenge vaine zvikamu zvehomwe yekambani inoona zvichiwedzera zvakaoma kubhadhara chikwereti chavo. Zvikwereti zvepamusoro zvinoshandiswa mumutsara wepasi pasi (net net), iyo inobva yava kudhonza kune purofiti. Mari inowanikwa pasi inogona kureva kukura kwemugove wekugovana uye / kana zvikamu zvakaderera zvemuwemari.
Zvikwereti zvisina kubhadharwa zvinokanganisawo vatengi nemari yakakwirira yezvinhu. Somuenzaniso, mutoro wechikwereti chepensheni yevashandi vekuAmerica vakuru vanozivikanwa kuti vakawedzera mari yeAmerica yakagadzirwa motokari yakaenzaniswa nevashambadziri vekune dzimwe nyika vasina kupa pensions kuvashandi vavo.
Pasi Payo Pamusoro Pemhosva Zvisina Kubhadharwa
Zvikwereti zvisina kubhadharwa zvinogona kurondedzerwa sejovu iri muimba kana iri pamusoro pehupenyu hwemangwana rehupfumi hweUnited States. Nehurumende dzehurumende nehurumende nedzimwe makambani makuru ari kuramba achiwedzererwa nekuwedzera zvikwereti zvezvibatsiro, hurumende dzinomanikidzwa kubvisa kubatsirwa, kuwedzera mitero, kana kusanganiswa kwezvose.
Makambani ane zvikwereti zvisina kubhadhara anofanira kuwana mari yakawanda kuburikidza nekuwedzera kwekugadzirisa, kubhadhara zvakawanda zvezvinhu zvavanoita uye mazvibvumirano, kubvuma mari shoma, kuderedza zvikamu kune vatyairi, kana kusanganiswa kweizvi.
Pasina sarudzo kana chiito chokuderedza uye kubvisa zvikwereti zvisina kubhadharwa, US uye mamwe mararamiro acharamba achiona huwandu hwekuwedzera uye matambudziko nehurombo. Vashandi vanofanirwawo kutarisa kuona kana sangano rine zvikwereti zvisingabhadharwi zvisati zvabhadharwa vasati vapa mari muhomwe yekambani.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.