Indlela iNkqubo yeRhafu yokuThuthuka inokunceda nangona ukuba awunayo
Kutheni kufuneka ukuba abatyebi bahlawule inxalenye enkulu yengeniso yabo kurhulumente? Iintsapho ezihluphekileyo zichitha inxaxheba enkulu kwinzuzo yabo kwiindleko zokuhlala . Bayafuna yonke imali abayifumanayo ukuze bakwazi ukufumana izinto ezisiseko ezifana nokukhusela, ukutya kunye nokuhamba. Irhafu iyanciphisa ukukwazi kwabo ukufumana izinga elifanelekileyo lokuphila .
Obutyebi, ngakolunye uhlangothi, unokukwazi ukufumana izinto ezisisiseko. Irhafu iyanciphisa amandla abo okutshala imali kwiimpahla, ukufaka imali yokugcina umhlalaphantsi, okanye ukuthenga izinto zokunethezeka.
Ingxelo ye-Expenditure Expenditures ka-2015 ibonisa le ngongoma. Kufumene ukuba abantu abahlanu abafumana imali ephantsi kakhulu bachitha i-$ 24,470 ngo-2015. Ngaloo nto, bachithe iipesenti ezili-15 ekudleni, ama-35 ekhulwini kwiindawo zokukhusela kunye nezibonelelo, kodwa iipesenti ezi-2 kuphela zokugcina umhlala-phantsi. Umvuzo wesihlanu ophezulu uchithe i-$ 110,508. Kuloo nto, bachithe iipesenti ezili-11 ekudleni, iipesenti ezingama-33 kwiindawo zokukhusela kunye nezibonelelo, kunye neepesenti ezili-14 zokulondoloza umhlala-phantsi.
U mzekelo
Intlawulo yengeniso yase-US iqhubeka. Iirhafu zerhafu ziphakamileyo njengoko ukwanda kweengeniso. Nantsi i- 2018-2025 irhafu yerhafu yengeniso yefesenti yezibini ezingatshatanga kunye nezibini ezitshatileyo ezifakwe ngokubambisana. Amanqanaba engeniso yenzalo yentela emva kwentela, emva kokuba konke ukuxolelwa kunye neentlawulo zithathwe. Uyabona ukuba abo bakhonkcoli bemivuzo ephakamileyo bahlawula irhafu ephezulu.
| Ireyithi yentlawulo yeNgeniso | Amanqanaba eNgeniso kulabo abafakela njenge: | |
|---|---|---|
| Ngoku | Ongatshatanga | Umtshato-odibeneyo |
| 10% | $ 0- $ 9,525 | $ 0- $ 19,050 |
| 12% | $ 9,325- $ 38,700 | $ 19,050- $ 77,400 |
| 22% | $ 38,700- $ 82,500 | $ 77,400- $ 165,000 |
| 24% | $ 82,500- $ 157,500 | $ 165,000- $ 315,000 |
| 32% | $ 157,500- $ 200,000 | $ 315,000- $ 400,000 |
| 35% | $ 200,000- $ 500,000 | $ 400,000- $ 600,000 |
| 37% | $ 500,000 | $ 600,000 |
Imali yerhafu ye-Obamacare iyaqhubeka.
Kusebenza kuphela kulabo benza imali engaphezulu kwama-200,000 ngonyaka (i-$ 250,000 ngokutshata ngokutshata ngokubambisana). Ihlawula i-0.9 yepesenti yentlawulo yesibhedlele ye-Medicare nayiphi na ingeniso kunye neengeniso zengqesho yokuzimela ngaphandle kwembombo. Kwakhona ihlawulisa i-3.8 ekhulwini kwiholo-mali. Ezibandakanya izahlulo kunye neenzuzo eziyinkunzi ezingaphezu komda.
Intlawulo yengeniso ye-Investment iyaqhubeka. Zijolise kwingeniso yokuba iintsapho ezizinzileyo zikwazi ukufumana ngcono kuneentsapho ezihluphekileyo. Imirhumo kwiintengo ezinkulu kunye neentlawulo zi-15 ekhulwini xa zigcinwe ubuncinane ngonyaka. Abanye abagxekayo bathi le ntlawulo ayiqhubeki ngokwaneleyo. Ingeniso ye-Investment kufuneka ihlawulwe irhafu rhoqo. Abantu abaninzi abazizityebi bafumana yonke ingeniso yabo kule mali. Bafumana phantse ixabiso lentlawulo ephantsi.
Irhafu kwenzalo efunyenweyo iqhubela phambili ngenxa yesinye sezizathu zentlawulo yotyalo-mali. Zisebenza kuphela kulabo abanemali eyaneleyo yokugcina nokufumana umdla.
Imivuzo yokuqeshisa ihlolwa njengezinga lokuhlawula irhafu. Kodwa abanini bepropati banokubamba zonke iindleko. Ukulahlekelwa kwipropati enye inokudityaniswa kwezinye iipropati. Abanye abanikazi bezindlu abazizityebi bangasebenzisa ezo zithintelo ukuphepha zonke iirhafu. Ngenxa yoko, irhafu kwiingeniso zihamba phambili kwaye zihlaziyeka, kuxhomekeke kwindlela ushishino ngayo.
Irhafu yentlawulo ihamba phambili. Ihlawulwa kwizinto eziphathekayo abantwana abazuze kubazali babo. Ngama-40 ekhulwini kwiimali eziphambili kunezigidi ezi-5.43 zeedola. Isicwangciso serhafu soThutho sandile izinga lokukhululwa kwerhafu, okwenza kube lula ukuqhubeka.
Iingxowa-zentlawulo zabarhoxayo nazo zihamba phambili. Ziyasuswa kwiirhafu zomntu ezihlawulwayo, ukunciphisa irhafu ngenani lekhredithi. Zihamba phambili kuba inani elondoloziweyo lithetha ngakumbi kumntu ongenayo imali encinci. Ezinye iikhredithi zithe gqolo ngakumbi kuba zifumaneka kulabo abahlala ngaphantsi kwezinga elithile lemali engenayo.
- Ikhredithi yerhafu yokufumana ingeniso ihlawulwa nganye kuxhomekeke kumanqanaba athile. Inkqubela phambili ekubeni umhlawuli-ntlawulo ufumana i-credit ngisho nokuba ngaphezulu kweerhafu ezifunekayo.
- Ikhredithi yerhafu esebekhulile kunye nekhubazekile inikezelwa kulabo abangama-65 nangaphezulu okanye abahlala phantsi ekukhubazekeni. Kufumaneka kuphela kulabo abangaphantsi komlinganiselo omncinci kakhulu wokufumana imali, okwenza uqhubeke.
- Ingxowa yerhafu yengane iqhubela phambili kuba ixabiso elithile elibhekiselele kumntu ohluphekileyo.
- Igalelo lokugcina umhlala-mali lenkxaso-mali liqhubela phambili kwiingcamango kuba lifumaneka kuphela kwiholo elithile. Kuxhomekeke kwizinto eziqhelekileyo ngenxa yokuba iintsapho ezininzi ezihluphekileyo azenzile ngokwaneleyo ukugcina into ezayo.
Intlawulo yokuhlawula i-Social Security tax regress , iyaphambana nokuqhubela phambili. Okokuqala, ihlawulwa ngesantya esifanayo, kungakhathaliseki ukuba ingeniso. Abasebenzi bahlawula iipesenti ezi-6.2 zengeniso yabo, ngelixa abanikazi bezentengiselwano bahlawula i-12.4 ekhulwini. Kubaluleke ngakumbi, abasebenzi kunye nabanini-shishini abanakho ukuhlawula irhafu kwingeniso engaphezulu kwinqanaba elithile. Ngo-2018, umda u-$ 128,400.
Ukuncitshiswa kweerhafu kuhlaziywa. Ukuncitshiswa okuqhelekileyo ngumlinganiselo osisigxina osuswe kwingeniso ehlawulwayo. Zixabisa ngakumbi kubarhafi berhafu kwiibhakethi eziphezulu. Ngokomzekelo, ukukhutshwa kwe-$ 10,000 kunciphisa iirhafu nge-$ 1,500 kubantu abantu kwi-bhaskiti yentela ye-15. Ukuncitshiswa kwe-R10 000 efanayo kunciphisa irhafu nge-$ 3,500 yezigidi kubantu abakwi-35 ekhulwini yentela.
Ukuncitshiswa okubhaliweyo kubandakanya ukugcinwa komhlalaphantsi, inzala kwimali-mboleko yomfundi, kunye neengxelo zokulondoloza impilo. Ezi zenza irhafu yengeniso ingaphantsi, kuba abantu abahluphekileyo abanako ukufumana ingeniso eyaneleyo yokufumana ezi ndleko. Ngenxa yoko, abanako ukuxhamla kwiirhafu.
Indlela Echaphazela ngayo Uqoqosho
Iirhafu eziqhubekayo zihlobo lokubuyisela kwakhona imali. URhulumente uchitha enye yemali yerhafu kwiinkonzo zabampofu ukwenzela ukuba i- American Dream ifikeleleke. Uzama ukubonelela ngamnye umntwana ithuba lokulingana lwakhe lonwabo.
Iirhafu ze- Obamacare ziyaqhubeka. Baqinisekisa ukuba abahlwempuzekileyo banako ukunyamekela ukunakekelwa, ukunciphisa iindleko zomntu wonke zonyango. Iindleko zokunakekelwa kwegumbi loxakeka ngongxamiseko kwi-uninsured yi-$ 10 yezigidigidi ngonyaka. Ukunyamekelwa kwezibhedlele kubiza kakhulu, okwenza i-third-thirti yazo zonke iindleko zonyango eMelika. Phantse kwisiqingatha sezigulane zesibhedlele (iipesenti ezingama-46.3) zahamba kuba babengenayo enye indawo eya kuzo ukunakekelwa kwezempilo. Oku kuyinyani ngokukodwa kwi-uninsured . Eli xabiso liya kutshintshwa kwiimali-mali ze-inshorensi zezempilo kunye neMedicaid. Ukuba abahlwempuzekileyo banakho ukufumana i-inshorensi yempilo kunye nokunakekelwa kwezonyango, banako ukufumana unyango lokukhusela. Bangafumana unyango kwizifo ezingapheliyo ngaphambi kokuba basongele ubomi. Isiphumo sineendleko zokunakekelwa kwempilo emfutshane kubantu bonke.
Iinkqubo zerhafu eziqhubekayo zithuthukisa amandla ompofu okuthenga izinto zansuku zonke, ukwanda kweemfuno zezoqoqosho. Ngokomzekelo, uphando ngo-Economy.com lubonise ukuba yonke idola echithwe kwiitampu zokutya ivuselela i-$ 1.73 kwiimfuneko. I $ 1 ingazenza njani i $ 1.73? Idala impembelelo. Ngokomzekelo, idola echithwe kwivenkile ihlawula ukutya. Kwakhona kunceda ukuhlawula umvuzo womabhalana, iilori ezikhupha ukutya, kunye nomlimi owakhula. Amabhalana, iilori kunye namafama athetha ukuthenga, ehlawula abanye abasebenzi. Esi siphumo sogxobhozo sihlala sidinga ngamandla, senza inzuzo eyongeziweyo. Ngesidingo esinamandla, akukho mfuneko yokulahla abasebenzi.
Ikhefu leentlawulo zezityebi linomphumo obuthathaka. Ngokomzekelo, iikhefu zerhafu zeshishini zivelisa ama-33 engama-dollar engenayo.