Amatyala angahlawulwanga ngetyala Inkcazelo, imizekelo, nendlela abachaphazela ngayo abatyalo-mali
Nangona impembelelo kubatyalomali ingabonanga ngqo, izibophelelo ezingenayo imali zingabhekiselele kwiingxaki kwixesha elizayo ukuba akukho nto iyenziwe ukujongana namatyala.
Amatyala angaxhaswanga kwiNgxelo
Kwizezimali nakwezoqoqosho, uxanduva lomthetho ngumntu, umbutho okanye urhulumente karhulumente ukuhlawula ityala elivela kwintsebenzo esedlulileyo okanye yangoku. Ngomfutshane, inxaxheba ibango kumatyala ekhoyo okanye ezayo. Inkokhelo engahlawulwanga yimali yimbopheleleko engenayo ixabiso elikhoyo okanye elixeliweyo ukukhawuleza uxanduva; ngoko kuthiwa ayikho imali.
Imizekelo yeMatyala angahlawulwanga: Urhulumente wase-US kunye neePensheni
Ngokubhekiselele kuburhulumente base-US umzekelo oyintloko wokuxanduva lokungahlawulwanga imali yi-Social Security. Xa uxolo lweNtlalontle lwaqala ukusebenza nguFranklin D. Roosevelt ngowe-1935, kwakukho iintlawulo ezaneleyo (abahlawuli berhafu) ukuxhasa inani labaxhamli beNtlalo (abahlala phantsi). Ngomnyaka we-1940, umyinge weentlawulo kwabazuzi ba-159 ukuya kwenye. Namhlanje umlinganiselo wabasebenzi kubaxhamli ungaphantsi kweyesithathu ukuya kwenye.
I-Medicare inengxaki efanayo kunye namatyala angahlawulwanga.
Omnye umzekelo wamatyala angahlawulwanga ngeprogram. Ngokomzekelo, izicwangciso zempesheni yelizwe zichazwe ukuba zinama $ 6 trillion kwiimfanelo ezingahlawulwanga. Amazwi amaninzi afaka iCalifornia, eNew York, e-Illinois, e-Ohio naseTexas. Isicwangciso somhlala-phantsi ngumvuzo wempesheni oxhasiweyo kwaye uxhaswa ngokupheleleyo ngumqeshi egameni labasebenzi bawo.
Uninzi lweepensheni zihlawula ipesenteji ezichazwe ngenzuzo yengqesho yomhlalaphantsi ngaphambi komhlalaphantsi. Umhlala-phantsi uya kuba ngumthombo wemvuzo ngenjongo yokuthatha umhlala-phantsi kwintsali yobomi babo. Kodwa ngelixa umqeshwa esele eseqeshwe ngentshiseko, bathembisa ipenshini, becinga ukuba umqeshwa uhlangabezana neemfuno ezithile, ezifana nokuhlala eqeshwe nomqeshi oxhasayo kwinani elithile leminyaka.
Izimpesheni ziba nzima kakhulu ngenxa yemithwalo yemali yesicwangciso esixhasayo kwaye njengendlela yokuthintela iimfanelo ezingenakubalwa. Ngenxa yoko, uninzi lwabaqeshi linikeza izicwangciso zenkxaso echaziweyo, njenge- 401 (k) isicwangciso , esixhaswa ngemali ngumqeshwa. Igalelo lomqeshi kuphela kwi-401 (k) yomdlalo womqeshi, odla ukuqonda.
Iimali eziMali ezingahlawulwanga ziyakwenza njani abaThengi, abaTyalo-mali kunye nabaThengi
Abachaphazelekayo bamatyala angahlawulwanga zibandakanya amaziko karhulumente, abahlawuli berhafu, iinkampani, ababolekisi, kunye nabatyalomali. Ngokomzekelo, abahlawuli berhafu bachaphazelekayo ngamatyala angahlawulwanga ngamarhente kuba ngaba yinkxaso yengeniso yokuhlawula umvuzo kunye neenzuzo zabasebenzi bakaRhulumente. Iimfanelo ezikhulayo ezingenakubalwa zidala iintlawulo eziphezulu kwi-matyala, oko kuthetha ukuba imali ephezulu iya kwiipensenti eziya kwezinye izibonelelo kunye neenkonzo zorhulumente, njengokhuseleko loluntu, iindlela kunye nemfundo.
Abatyalomali bachaphazelekile ngokuzikhupha izikweletu ezingenakunikwa imali xa benamasheya esitokisi senkampani efumana kunzima ukuxhaswa ngamatyala abo. Iimfanelo eziphezulu ziguqulela kumgca ophantsi (umvuzo ongezantsi), oya kuba yi-drag drag on profits. Inzuzo engaphantsi inokuthi ukukhula okuphantsi kwexabiso lesabelo kunye / okanye izabelo eziphantsi kumtyalo-mali.
Iimfanelo ezingenayo imali zichaphazela abathengi ngeendleko eziphezulu zeempahla. Ngokomzekelo, umthwalo wetyala wepensenti zabasebenzi abakhulu be-automobiles base-US baziwa ukuba bandise iindleko zemoto eyenziwa yiMelika xa kuthelekiswa nabathengisi bamazwe angaphandle abangenise iipenshoni kubasebenzi babo.
Ngaphantsi kweMatyala angahlawulwanga
Iimfanelo ezingenayo imali zingachazwa njengendlovu egumbini xa kuziwa kwimpilo ezayo yoqoqosho lwe-US. Oorhulumenteni kunye noorhulumente amakhulu kunye neenkampani ezinkulu ziba nzima ngokunyuka ngamatyala eenzuzo, oorhulumente baphoqelelwe ukuthatha inzuzo, ukwandisa irhafu, okanye ukudibanisa kokubili.
Amashishini aneemfanelo ezingenayo imali kufuneka afumane ingeniso engakumbi ngokunyusa ukusebenza kakuhle, ukuhlawula ngaphezulu iimveliso kunye neenkonzo, zamkela iingeniso eziphantsi, ukunciphisa izabelo kubalimi-mali okanye ukuhlanganiswa kwezi zinto.
Ngaphandle kwesisombululo okanye isenzo sokunciphisa nokuphelisa izibophelelo ezingahlawulwanga, i-US kunye nolunye uqoqosho luya kuqhubeka lubona ukunyuka kwamaxabiso kunye neengxaki zentlupheko. Abatyalomali kufuneka bajonge kwakhona ukuba babone ukuba i-corporation inamatyala amakhulu angahlawulwanga ngaphambi kokutyalomali kwi-stock yenkampani.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.