Kuze kube ngoku, amanyathelo okukhusela utyalo-mali ka-Obama abambelele ngokukhawuleza.
Umthetho weSebe laseMelika "umgaqo wokubambisa" ocela abadayisi ukuba baphephe ukungquzulana komdla xa kunika iingcebiso zomhlala-phantsi kuye kwagqithiswa ngaphezulu kwonyaka odlulileyo kunomdaniso we-limbo kwi-saw-saw in earthquake.
Ukunyanzelwa ngulawulo luka-Obama njengenguquko kumkhuseleko wabathengi, kwahlekwa yintsuku ngemihla yokuqala yolawulo lweTrump. Kuye kwimeko yamatyala enkundla ethintele unyana weNkundla ePhakamileyo yeNkundla eyilwayo, ijaji elibomvu-jongene nalo, kwaye ukucinga okungakumbi malunga nexesha ekugqibeleni liya kuthatha ukusebenza-ukuba kukho.
Ngoku, abaqeqeshi bezezimali kunye nabaxumi abaye babela ekugqibeleni banempendulo: Ukusa kwexesha lokulawula i-tridyary age is just days away.
Ngomhleli we-Wall Street Journal owapapashwa ngoMeyi 22, uNobhala weSebe lezeMisebenzi u-Alexander Acosta wachaza ukuba lo mgaqo uza kusebenza ngoJuni 9. Kwamangalisa kwaye kukhwankqiswa kwabanye, njengoko ulawulo lweTrump liye laphuza ukuphunyezwa kwalo kwangaphambili ngo-Ephreli 10 , kwaye ulawulo lubonakala lusezantsi.
Nangona kunjalo i-flag yeJuni 9 eluhlaza i-shades ithobile kuyo, njengoko umgaqo ngokusemthethweni uphantsi kokuhlaziywa-kuthetha ukuba ngomhla ozayo, unokuhlaziywa, uphuzisa okanye uphitshwe ngokupheleleyo.
I-Acosta yathi "nangona inkundla inqinele lo mgaqo ngokuhambelana nomlawuli weCongress of delegation, umgaqo-myalelo njengokuba ubhaliweyo awunakuhambelana neenjongo zokulawulwa komgaqo-nkqubo."
Nantsi indlela injingalwazi uJamie Hopkins, inkqubo yokufumana umhlala-phantsi yomncedisi we-American College yeeNkonzo zezeMali e-Bryn Mar, i-Pa., Iguqulela olo lwimi: "Ithoni evela kwi-Acosta kukuba ukusabalalisa kuyaza, kodwa [iCongress kunye nolawulo] kufuneka silandele inkqubo yomthetho kunye ne-rulemaking. "
Ngoko, abantu bafanele balindele ntoni? "Phakathi kukaJuni 9 noJan. 1, ngo-2018, kulindeleke ukuba i-DOL iqhube phambili kunye ne-rulemaking entsha ukuguqula okanye ubuncinane ukuguqula umthetho okhoyo wamanje," kusho uHopkins. "Ngaphezu koko, abaninzi balindele ukuphunyezwa okupheleleyo komhla kaJan. 1, 2018 ukuba ihlehliswe."
Ngelizwi: Huh?
Ngoko yintoni le "standard standard"? Okokuqala, masiqale ngelo gama elithi pesky elithi "fiduciary," oye wahlala usebenzise xa i-NPR yePuzzles Master Will Will Shortz ikucela ukuba ufumane isigqi "sesigxina."
Ukubeka nje, i-trust fiduciary ngumntu okanye inhlangano ekwaxanduva lwakho lokholo oluhle kunye nokholo. Ngoko ukuba umcebisi wezemali unalo owaziwa ngokuba "ngumsebenzi wokuzimela," oko kuthetha ukuba kufuneka benze okusemandleni akho: "ukuba uthembele" ngokuqinisekileyo kuthetha okungaphezulu kwamagama nje.
Kukhulu kuba kwiinkonzo zezimali, abantu abaninzi baya kuzama ukukuthengisa izinto ezininzi ezininzi-kwaye kwiimeko ezininzi ezininzi kunye nelihlo malunga nokuba bangakanani okwenzayo kunokuba ungakanani.
Ngako-ke inxalenye enkulu, umgaqo-nkqubo we-fiduciary ujoliswe kwimirhumo engaphezulu. Amaqela afana ne-Consumer Federation of America aye avikela umgaqo njengento yokubethekisa into abaye bazibonakalisa njengomenzi omkhulu wemali kubasebenzi bezezimali.
Uhambo oluya phambili luza njengoko uDonald Trump uye wahlaselwa yiinkxalabo emacaleni onke ekuvusweni kwakhe kwintloko ye-FBI uJames Comey kunye ne-swirl of controversy. Okwangoku, uqhubeka elwa ne-ajenda ye-monolithic yomthetho engekho ngokupheleleyo. Ngaphambi kokushisa kwangaphambili njengamanje: uhlahlo lwabiwo-mali olutsha, utshintsho kuMthetho woNonophelo olungabonakaliyo kunye nokulungiswa kweerhafu.
Xa kuthelekiswa nezo zinto eziphambili kwi-A, umgaqo-nkqubo we-fiduciary yi-fly in the ointment.
Nangona kunjalo phantsi kweemeko ezincinci, umgaqo-nkqubo uza kubamba ingxoxo kwiCapitol Hill. Intlanzi yaqala emva kokusayinwa kokumangalisa kwememorandam kamongameli ukuba ixhomekeke ngokungapheliyo ukuphunyezwa komgaqo. Umyalezo wawucacile, njengoko kuboniswe kule ngqungquthela yomxholo we-TIME: "I-Trump ifuna ukubulala umgaqo wokubambisana."
Kodwa ngaphantsi kweveki kamva, uMgwebi oyiNtloko weSithili sase-US uBarbara Lynn (osebenza kwisiThili saseNorthern Texas) wagxothisa isigqibo sekhasi eli-81 ukuxhasa ukubusa kwexesha lika-Obama. Kubi kangakanani i-White House? I-CNBC ichaze isigqibo sikaLynn ngokuthi "ukugubha." (ULynn wamiselwa isikhundla sakhe phantsi koMongameli uBill Clinton.)
Isenzo se-Acosta sichaza ukuphela kwe-dogfight? Ngaphandle. Kubaqalayo, iinkonzo zeenkonzo zezemali aziyazi ukuba zibuyele ekulweni okanye zihlupheke ngenxa yokungabikho kwemali okanye ukuxhamla ukuqhuba.
Ummeli waseGibson Dunn kunye no-Crutcher U-Eugene Scalia-unyana we-Supreme Court Justice Antonin Scalia-uye wafaka amaqela amashishini ekuloleni ukubulala umthetho.
Kwaye njengoko ungalindela kwintsapho yakhe, u-Scalia omncinane unedumela lokufumana iimfazwe zomthetho ngokuchasene nomthetho egameni leWall Street. Ukuba naliphi na icala elibandakanya i-fiduciary ekugqibeleni liya kwiNkundla ePhakamileyo, iSalalia inokufumana inzuzo efanelekileyo yomthetho yabangane abasondeleyo kwiindawo eziphakamileyo.
Umgaqo uphinde usengozini ngenxa yokuba uhlala untsha kwiincwadi-wawusanda kuvezwa ngo-Apreli 2016. Ngoko ke akukho mlando wecala kuwo, kunye nemiphumo emibi kubacebisi bezezimali bangaphonsa yonke inkqubo yokuphunyezwa ibe ngumsila.
Oku kwacaca ukuba, "Kuyinto emangalisa ukuba emva kweminyaka engama-8 yokudibana nokuphuhliswa kwalo mgaqo ukuba awuyi kuphunyezwa," kusho uKeith Baker, owayengumnye weCFO we-Enhance Financial Services Group Inc. kwaye ngoku umququzeleli weprogram iinkonzo zebhanki kunye nezezimali kwiNorth Lake College e-Irving, eTexas. "Oko kuthetha ukuba isimo sabantu abacebisi ngezezimali-ikakhulukazi abo bathengisa kwimbuyekezo yekhomishini okanye imali-mali.
UB Baker ubonisa ukuba iBhodi eQinisekisiweyo yeMali yeBhodi isekela utshintsho. Ingxelo kwiwebhusayithi yeBhodi yeCFP ithi: "Uphando lubonisa ukuba iindleko zabadayisi-mthengisi ukufezekisa umgangatho wokugcina uya kuba mncinci, kwaye abacebisi abathengisa-mali nabanini-mali ababonelela ngeenkonzo zezemali phantsi kobuchule obunzima bamaxabiso kunye nokukhula kwemali kunezo phantsi komgangatho ofanelekileyo. "
Umzamo wokufihla iifizi "ukhuthaza ukuphuhliswa kweemveliso ezingenakudityaniswa ngokungenasiphelo kunye ne-opaque," i-Consumer Federation of America ibhala kwiphepha lephepha lesibhozo echaza iingenelo zolawulo lwe-DOL . "Emva koko, indlela elula yokufihla iindleko eziphakamileyo kwimveliso enzima kakhulu kwaye ihlawulwe umtyalo-mali oqhelekileyo ukuba aqonde."
Kwi-Tweet ejoliswe kwi-DOL, umlawuli weCFA okhuseleko lotyalo-mali uBarbara Roper wachaza iimvakalelo zakhe ezingaphantsi kwama-140 abalinganiswa: "Siwagcoba @SecretaryAcosta ngokuqonda ukuba inhlonipho yolawulo lomthetho ifuna ukuba umthetho we-#DOL uphunyezwe."
Ukuthotyelwa kweXX (i-website ejongene nokuthotyelwa kunye nemimiselo yolawulo lweenkonzo zenkxaso-mali) iphinda ixelele ukuba uDennis Kelleher, umongameli weqela lokuvakaliswa kweMarokethi elungileyo, udumise ukuhamba. "Siqinisekile ukuba nayiphi na i-data-driven, uhlalutyo olunamandla oluqwalasela ngokuqinisekileyo iinyaniso ziya kuqinisekisa kwakhona ukuba ama-America asindisa umhlala-phantsi afanele ukuba neminqweno engcono yokubeka ngaphezu kwabacebisi bezoqoqosho abacebisi ngezezimali."
Isimiso somthetho siya kuza emva kweNgxelo kaFebruwari 2016 evela kwiBhunga leNdlu ye-White House yabacebisi bezoQoqosho . Oku ngaphezu kwemveliso yasekhaya yase-Iceland, eNicaragua okanye eSenegal.
Ngoko kwenzeka ntoni kumgaqo wokubakho ngoku? Khangela nayiphi na okanye zonke ezi zinto zilandelayo ukuba zenzeke kwiinyanga ezimbalwa ezizayo: iingxaki ezingaphezulu zomthetho; imiyalelo yesigqeba esiphezulu (i-Trump ayiyazi kakuhle ngokubamba ibali lakhe); umnxeba wenguqu echazwe yizitatimenti ezivela kwiinkonzo zentlalo yeenkonzo zemali; ukudideka kwamanye amacandelo omashishini; kunye nokuqhutyelwa phambili kumaqela abathengi ukuvumela ukuba umgaqo ume njengoko uphuma emhlabathini.
I-Hopkins ivuma ikhetho lezinto ezinokuthi zihlale zikhona, ukuba zingenakulungiswa ngokupheleleyo kwixesha. "Nangona kubonakala konke kodwa ngo-Juni 9 kuya kuvelisa ixesha elitsha kwisicwangciso somhlala phantsi phantsi komgaqo-siseko, kukho iindlela ezimbini ezinokuthi umgaqo ungabambezeleka."
Nantsi indlela: "Okokuqala, inkundla inokulibazisa ukulawula. Nangona kunjalo, oku kubonakala ngathi akunakwenzeka njengoko inkundla ezininzi zifumene ngokufanelekileyo kumgaqo ngoku. Okwesibini, iCongress kunye nomongameli bangasayina i-bill in umthetho ukulibazisa okanye ukususa umgaqo-siseko. Nangona kunjalo, oku kubonakala ngathi akunakwenzeka ukuba kufezwe malunga neveki ezimbini neyesigamu njengoko unyango lwempilo kunye nokulungiswa kwemirhumo kubonakala ngathi yiyona nto ephambili kwaye ayengayifumanga kwiCongress kwideskiti likaMongameli. "
Nangona kunjalo kungakhathaliseki ukuba yintoni umphumo, kunokwenzeka ukuba esinye isiphumo singaphumelela konke oku ngasentla: ukuthotyelwa ngokuzithandela komgaqo, ingaba imile, iwa okanye ixhomekeke kwi-limbo: ukuthotyelwa ngokuzithandela.
Iinkampani ezininzi ziye zafudukela phambili zalungiselela ukulawula emva kowe-2016 xa zadlulileyo, "kuchaza uHopkins. "Kwaye iinkampani ezininzi kunye nabacebisi bezezimali belibalekile ngokubambelela ngethemba lokuba umgaqo awuyi kubona ukukhanya kwemini."
Kuyavunywa, umgaqo wokugcina ungasasaza ngexesha elithile. "Kodwa ngokulandela izimvo zika-Acosta, kubalulekile ukuba amafemu enkonzo zezezimali nabacebisi bezezimali baqiniseke ukuba bayavumelana noJuni 9," kusho uHopkins. "Ukungahambelani nalo mgaqo kwaye ubonisa ukuba akukho mzamo onokholo wokuthobela unokukubeka ngaphandle kweshishini."
UPaul Pagnato, umsunguli e-PagnatoKarp, ubonisa ukuba ngaphambi kokugqithiswa komthetho, iifemu ezinjengeMerrill Lynch zikhupha iintengiso ngokuthi zivumelene "ngentliziyo yonke" ngesigqibo kwaye "aziyi kuqokelela iikomishini nayiphi na loo ma-akhawunti aphantsi komhlalaphantsi".
UPagnato, owasebenza eMerrill Lynch iminyaka engama-19 waza waphatha i-ofisi eyi-dollar eyi-1 billion kwizinto eziphathekayo, unokwakheka kwindlela amajelo amakhulu eyobambisana ngayo nomgaqo. Ngokwengxenye yakhe, ukhethe ukulandela into ebizwa ngokuba yi-True Fiduciary, ekhupha ukuhlawula iikomishina kunaliphi na iakhawunti.
NjengeCFA kunye neCFP, iPagano iye yaqhubela phambili ukuthotyelwa komgangatho wokugcina umcebisi ngabacebisi ngezezimali. Ngoku-okanye ubuncinci ngoku-elinye iqela lakhe liyanyanzelekile ukuba lilandele imigaqo ngokulandela imigaqo.
Njengoko iPagano ithi: "Iifemu kunye nabacebisi sele beyitshintsha indlela yabo yokuziphatha ngokuhambelanayo nomgangatho wokugcina. Isitimela sele sishiye isitishi. "