Isebe le-Nondyebo yase-United States: Lithini Nokuba Nomphumo Walo

Izimfihlakalo zeSebe leMali leMelika

Isebe le-Nondyebo yase-United States igatsha elilawulayo lombuso karhulumente olawula iimali zikazwelonke. Akumiseli umgaqo-nkqubo wezemali ukususela ngoMthetho-siseko wase-US wanika igunya kwiCongress . UNondyebo uqokelela irhafu ngeNkonzo yangaphakathi yeNgeniso . Ihlawula ityala le- US ngokuthengisa ii- bhulo-mali, amanqaku kunye nezibophelelo . Ikwacebisa kwakhona i-Ofisi kaMongameli ngemali, kworhwebo, kunye nentlawulo yerhafu .

Yintoni eyenziwa yiSebe leNondyebo

Ngokungafani kwamanye amasebe aseburhulumenteni, amaphesenti angama-98 omsebenzi weNondyebo ayenziwa ngama-Bureaus angama-10.

1. I-IRS iqokelela irhafu yengeniso.
2. UMhloli woMlawuli oyiNondyebo woLawulo lweRhafu uvimbela ukukhwabanisa kwe-IRS.
3. I-Bureau yeSebe lezeMali ilawula ityala likarhulumente .
4. Iintsika zase-US ziprinta izitampu zokuposa, imali, kunye nemali.
5. I-Bureau ye-Engraving and Printing designs kwaye ivelisa imali yase-US kunye ne-securities.
6. I-Ofisi yoMphathi-mali weMali ilawula ibhanki kazwelonke.
7. UMhloli-Jikelele wenza uhlolo-zincwadi.
8. Ulwaphulo-mthetho lweNkqubo yoLwaphulo-mthetho lweCandelo loKhenketho lwezeMali luphanda kwaye lutshutshise abahlaseli berhafu, abakhohlisi kunye nabasebenzi. Inceda imfazwe yenkxalabo ngokuchonga kunye neengcipheko zemali zamaphekula.
9. Intlawulo yoTywala kunye noTywala kunye neBusiness Bureau ikhuthaza imithetho yokulawula utywala kunye nocuba. Iqokelela imirhumo kunye neentlawulo zeempahla.
10. INgxowa-mali yeZiko lezeMali yoPhuhliso loLuntu lixhoba iitaliti kwiindawo ezihluphekayo

I-Ofisi kaNobhala we-Nondyebo yenza iipesenti ezi-2 zomsebenzi. UNobhala ucebisa umongameli ngemigaqo-mali, yezoqoqosho kunye neerhafu. Unceda ukubeka imigaqo-nkqubo yezemali kunye nohlahlo lwabiwo-mali.

Ngo-1789, iCongress yadala iSebe lezeNondyebo kunye namanye amasebe olawulo olukhuselekileyo kunye noRhulumente .

INondyebo isebenzisa abantu abangama-117 000 abanesabelo-mali se-R11 billion. Ilawula iibhiliyoni ezingama-358 zama-credited tax and credit funding.

Indlela Echaphazela Ngayo Uqoqosho Lwase-US

Iintengiso zeNondyebo izibophelelo zeeNondyebo ukuhlawula ityala le-US. Inqaku eli- 10 leNondyebo leNgcaciso libeka ireyithi yokulinganisela kuzo zonke ezinye iitalente ezide. Isondlo seNondyebo sibonakalisa imfuno yetyala likarhulumente. Eyona mfuno enkulu, i-down the yield. Oku kunciphisa ixabiso lentengo kwi-interest-fixed interest interest year-year and 30 years.

Izindleko zemali eziphantsi zomelela uqoqosho ngokuvumela abathengi basekhaya ukuba bathenge izindlu ezinkulu nakakhulu. Okukhuthaza i- real estate industry . Ixabiso elincinci likhuthaza ukuba abanini-mboleko babolekele ngaphezulu malunga nokulingana ekhaya labo. Oko kuvumela ukuba basebenzise ngaphezulu kwimveliso yabathengi.

U-Nondyebo ubhekene nendima ebalulekileyo xa kukho iNkcazo ilibaziseka ukuphakamisa ityala . Xa ityala likawonkewonke lihlasele isilitye, uNondyebo kufuneka amise intengiso kwinqanaba elitsha leNondyebo. Ukuba kuyimfuneko, inokuboleka kwiimali zomhlalaphantsi ezilawulwa ngumbutho ngaphandle koKhuselo loLuntu . Emva koko uqala ukuboleka kumanqaku eNondyebo athengwe yi- Federal Reserve .

Xa sele ixakeke le nyathelo lexakeka, uNondyebo kufuneka athembele kwingeniso engenayo engenayo ukuhlawula iibhili zorhulumente.

Uninzi lwangonyaka, akwanele. Ingenakho ukuhlawula inzuzo kwi-Social Security kunye nabamkeli be-Medicare. Abaqeshwa baseburhulumenteni bafanele ukuba bavuthwe.

Ukuba ayikwazi ukuhlawula umdla kwityala, i-United States iya kuhlawulwa kwetyala . Nangona kubonakala ngathi iCongress ingathanda ukuyiphepha nakuyo nayiphi na indleko, yenze i- crisis crisis ngonyaka ka-2011 kwaye ivalwe urhulumente ngo-2013.

Indlela ekuchaphazela ngayo

INondyebo ikuchaphazela ngqo. Ngomhla we-Apreli, i-IRS ilindele isheke kuwe, ngaphandle kokuba ikhuphe ngokwaneleyo kwi-paycheck yakho. Unokuba ne- US Savings Bonds . Ukuba unenkxalabo malunga nokunyuka kwamaxabiso, unakho u- Bonds ovela kwiBhodi yeTyala likaRhulumente.

Izibophelelo ze-Nondyebo zichaphazela ngokuchaphazela amaxabiso omhlalaphantsi . Okuchaphazela ukukwazi ukuthenga nokuthengisa indlu yakho kunye nokufumana imali mboleko .

Kwakhona kuthinta ixabiso le dollar . Echaphazela iindleko zokungeniswa kwempahla kunye nokunyuka kwamaxabiso. Ngaphezulu kwexesha elide, i- dollar eyanciphayo isusa imali yakho yokugcina umhlala phantsi kwinqanaba lokuba unokuqhubeka usebenza iminyaka engama-65.

Iimfuno zamanqaku eziNondyebo zibonisa iimfuno zeedola zase-US . Xa umfuno uphakamileyo, ugcina intengo yezinto ezingeniswa ngaphandle , ukunciphisa ukunyuka kwamaxabiso . Kodwa ukulahleka kwe-akhawunti yangoku yase-US kusongela ukunciphisa ukuzithemba kwixabiso leli dola . Oku kuya kunyusa iindleko zokungeniswa kwamanye amazwe, ukunyusa izinga lokunyuka kwamaxabiso. Okubi kakhulu, kunokubangela ukulahleka kwedola .

Imali engalawulwayo: Isebe leNondyebo linelungelo elinikwe ekuncedeni ukuba ufumane imali engenakunikwa . Yilapho ubeka iifowuni zee-IRS zokubuyiselwa kwembuyekezo , iibhondi zokugcina imali, kunye nezibophelelo ze-Nondyebo. Iyakwenza ukwazi ukulandelela ipropati evela kumazwe ohlala kuyo, ama-action action suits, kunye namashishini angama-credit unions. Iwebhusayithi yaseMelika yeNgxowa-mali engabonakaliyo iya kukunceda ufumane nantoni na onokukuhlawulwa.