Kukula kwa penshioni US

Mwamtheradi aliyense, posapita nthawi kuganizira za tsogolo lawo. Akukhulupirira kuti penshoni US ali apamwamba poyerekeza ndi mayiko ena. Kodi izi ndi zoona? M'nkhani ino mungapeze mudziwe zambiri za penshoni mu United States.

Pulogalamu chikhalidwe. General zokhudza bilu

Chaka chatha, United States of America, pulogalamu chikhalidwe ndi zaka 80. Bill chinaperekedwa mu 1935. Dziwani kuti sanasinthe. Lero, bilu chimakwirira za 96% ya chonse cha anthu. Lililonse American sitikayikira kuti iye atangolandira ndalama za penshoni, ngakhale mmene chuma chikuyendera ndi kusintha kwa boma. N'zosadabwitsa, koma kumayambiriro a chaka chatha, zotchinjiriza moyo analandira nzika oposa 50 miliyoni. Zikuphatikizapo pensioners, olumala ndi ambiri anthu ena.

Anthu ambiri amadabwa za mmene penshioni mu United States ali. Ndi N'zosadabwitsa, chifukwa anthu ake kulipira zonse ndipo mosachedwa. Ndi chifukwa chake mu United States kuti kukhazikikamo nthawi zambiri anthu ochokera m'mayiko ena.

The ndondomeko ya n'kupanga penshioni mu United States of America

Mu United States, pali payekha ndi anthu machitidwe penshioni. Pa nkhani imeneyi, nzika iliyonse mukhoza kupeza penshoni awiri kapena atatu.

Dongosolo payekha ukugwirira ntchito pa ndalama za ndalama, ndipo boma aumbike mwa zopereka za malonda ndi anthu. Dziwani kuti kupeza chikhalidwe moyo malipiro mu United States ndi okhawo nzika ndi zaka 30 zinachitikira. The penshioni ambiri ku US ndi pafupifupi 40% ya malipiro.

The zaka zopuma pantchito mu United States

Mu United States, a zaka zopuma pantchito kwa anthu osiyana zingasiyane mwakuthupi. Izo zimatengera chaka cha kubadwa kwa wokhala ndi. Ngati nzika anabadwa mu 1937 kapena kale, ndiye angalandire zotchinjiriza moyo patapita zaka 65. M'dzikoli, chaka cha kubadwa limene limayamba mu 1955, alandire ndalama za penshoni, kokha kwa zaka 66.

Mu US, ambiri pantchito zaka akazi ndi zaka 65 ndipo amuna - 67. Dziwani kuti ngati mwaganiza amasamukira ku United States kuti ntchito kumeneko ndiponso kulandira phindu chikhalidwe, ndiye inu amafuna kudziwa ndi kukumbukira zotsatirazi zambiri. Ngati mukufuna kupuma patsogolo ndandanda, kukula kwake yafupika kwambiri. Mwachitsanzo, mukayamba madalitso kwa zaka zitatu, kukula zake kuchepetsedwa ndi 20%. Ngati nzika sanayambe ntchito, m'malo ndalama za penshoni, zimakhala anapereka thandizo boma. Kawirikawiri $ 280. Pafupifupi aliyense mu United States atamukoka penshioni a. Age nzika amene madalitso, chimadaliranso malo a ntchito ndi zinachitikira.

The penshioni osachepera mu United States of America

Amakhulupirira kuti mu United States - zinthu zabwino pensioners. zotchinjiriza moyo ndi mwamtheradi nzika zonse, kuphatikizapo anthu amene sanakhalepo ntchito. The penshioni osachepera mu US ndi madola 280-300. Ikumasuliridwa rubles Russian ndi pafupifupi 18 chikwi.

Ngati nzika ali chondichitikira chaching'ono, pantchito adzakhala $ 600. Pachifukwa ichi kuti United States zambiri kusankha osamukawo.

nkhondo penshioni

Mu okhudza za boma la penshioni usilikali wokwera. Bill poyamba pa zonse zotchinjiriza moyo wa wakale servicemen anavomerezedwa mu 1861. M'kupita kwa nthawi, lamuloli anali kusinthidwa wodzilemekeza ndiponso.

Masiku ano, US zaka penshioni asilikali chikalata okha Nthawi zina - chifukwa matenda, mkulu ndi pa kufika zaka yoyenera. Tikumbukenso kuti zotchinjiriza moyo mu United States komanso amadalira mabanja a asilikali amene adamphera. Komabe, kuyembekezera kupuma okhawo nzika ndi kuntchito ya zaka zoposa 20. Kuwerengetsa kuchuluka kwa penshioni mu United States ayenera kuganizira malipiro apamwamba msilikali kwa zaka zitatu ntchito mosalekeza.

Ngati nzika, ndi zaka 20 zinachitikira, si cholinga zotchinjiriza moyo, 2.5% ku boma wantchito penshioni nadbavlyaet pachaka. zotchinjiriza moyo servicemen akhoza kukhala chifukwa cha matenda. Ngati kuntchito ali ndi kutalika kwa zosaposa zisanu ndi zitatu, koma simungathe kupitiriza kugwira ntchito chifukwa cha matenda kapena kuvulala, penshioni ndi nzika za US adzakhala masamu pokhapokha ngati boma la matenda chikanachitika chifukwa cha ntchito. Kumbukirani kuti penshoni mwina upambana 75% ya wantchito m'munsi malipiro. Kuwonjezera chikhalidwe chitetezo, asilikali, amene anatsanzika chifukwa chodwala, nawonso akuyenera kupindula. Nzika angalandire alionse pa dzanja, kapena deduct izo zolinga msonkho.

Muyezo wa chikhalidwe cha pensioners mu US

Malinga ndi kafukufuku, ambiri amayembekeza kukhala ndi moyo mu United States ndi zaka 78. Kale ndi zaka 20, anthu kuganizira za tsogolo lawo. Monga ulamuliro, anthu ambiri amakonda padera ndalama nkhani za ndalama payekha penshioni kapena kukhala magawo ndi chuma.

Pantchito ku United States amalola anthu amene amadya mgonerowo, kuyenda. Nthawi zambiri nzika kulandira moyo ndi anaganiza kusuntha lalikulu. Asamukire ku mzinda kapena dziko la maloto ao. M'matawuni ena, pali ngakhale maofesi lonse anapuma pa ntchito amene asankha kuti asinthe miyoyo yawo. Pa gawo lawo lili ndi dziwe losambira, ndi ampira, ma biliyadi ndi zambiri.

Anthu ambiri amasokoneza maofesi ndi nyumba okalamba. Iwo ndi osiyana kwambiri. Mu maofesi cha anthu achikulire kuposa 55, Aliyense kanyumba osiyana. M'gawo lake zinthu zonse wosangalala ndi osasamala moyo. Mkulu penshoni mu United States chifukwa chakuti ambiri amalandira ndalama za inshuwalansi. Ndi chifukwa chake kukula kwa chitetezo chikhalidwe cha anthu ambiri kuposa malamulo osachepera.

Wina khalidwe labwino la ndalama kuchokera ku boma la United States ndi kuti bilu kwa zaka zambiri amakhalabe sichinasinthe. Aliyense pensioner otsimikiza kuti iye analandira chitetezo choyenera chikhalidwe.

Maphunziro ndi ntchito

osamukawo ambiri ndi anthu a m'mayiko ena amakopeka penshoni mu United States. Kukula kwa ndalama chikhalidwe ndi mkulu mokwanira. Ngakhale izi, pensioners ambiri kupeza ntchito yatsopano kapena anathana kupeza maphunziro zina. Chifukwa chiyani?

Ambiri US nzika akapuma kusankha chokuchititsani maphunziro ndi kupeza digiri ina. Zimenezi n'zosadabwitsa, monga kawirikawiri ndi zaka munthu akudziwa kuti iye anasankha ntchito molakwika. Nthawi zambiri, anthu a pantchito zaka zokonda mu film, kupenta ndi nyimbo.

Nthawi zambiri, pambuyo pantchito nzika kusankha ntchito. Amadziwika kuti mu United States, pafupifupi 30% ya anthu ogwira ntchito ndi zaka zaka zoposa 50.

Penshoni ndi ubwino

osamukawo ambiri amakopeka penshoni mu USA. Kukula kwa ubwino chikhalidwe mu dziko lino ndi apamwamba kuposa mayiko ena. Akukhulupirira kuti penshioni chapamwamba kwambiri mu United States ndi asilikali, atumiki akale boma ndi ogwira ntchito ya ndege.

Malipiro ogwira ntchito luso avareji madola 8000, penshioni - kuchokera 2-3 zikwi. Dziwani kuti United States sasamalira phindu lina nzika okalamba. Zimenezi n'zosadabwitsa, monga Mbali imeneyi ndi kuchepetsa ndi mitengo m'munsi zovala ndi chakudya, komanso umafuna malonda ndi malonda sizachilendo.

Kuchepetsa penshoni asilikali

Zaka ziwiri zapitazo, Barack Obama anasaina kalata yomwe imapereka kwa kuchepetsa penshoni ya usilikali. lamuloli imakhudzanso anthu olumala. Tsopano, antchito yemwe anali asolola ubwino, asanafike zaka 62 zakubadwa, adzalandira 1% zochepa. Kusintha Zikuoneka zonyozeka. Komabe, ndi khumi zambiri, zaka zoposa 40, mukhoza kutaya madola zikwi 50. Ndi pafupifupi 3 miliyoni rubles.

Bill analowa mphamvu May chaka chatha. Iwo adzalola State kupulumutsa kuchuluka yokulirapo. Ambiri amakhulupirira kuti lamulo limeneli limakhudza kwambiri woyenera gulu. Iwo amakhulupirira kuti zabwino adzakhala kuti chuma yotheka dongosolo zaumoyo. Komanso kusintha anachititsa ndi funde la mkwiyo pa mbali ya anapuma. Dziwani kuti zotchinjiriza moyo wa anamenyela amatenga theka la chitetezo bajeti United States.

Msonkho penshoni yachilendo

Anthu ambiri akudziwa chomwe penshioni mu United States, ndipo anaganiza amasamukira apo. Choncho, pafupifupi nkhawa aliyense kulibe misonkho pa chikhalidwe chitetezo ndi chikhalidwe cha kumeneko. Ndi mfundo zonse zofunikira angapezeke mu nkhani yathu.

Mu United States zotchinjiriza moyo boma wina msonkho monga ndalama ina iliyonse. Dziwani kuti pa misonkho ya bilu amapereka mndandanda wa mayiko umene United States amapereka ufulu achire. Zikuphatikizapo Russia. Malinga ndi bilu ogwira ntchito amene anapita kukagwira ku Russia kulipira msonkho pa dera la boma mbadwa. Cholinga cha lamuloli ndi kupewa awiri misonkho.

njira zingapo kuti zotchinjiriza moyo pa US

Anthu ambiri amakhulupirira kuti moyo womasuka kwambiri ndi anthu amene ali otsika kapena mkulu mlingo wa ndalama mu United States. Si chinsinsi kuti ambiri osamukira mukufunira penshioni, pitani kwa miyeso kwambiri. The njira yotchuka kwambiri ya kupeza zotchinjiriza moyo pa US pasadakhale - ndi wosakhalitsa ukalamba. Kuti zimenezi, anapita kukagwira ayenera kukambirana mu ofesi pasipoti ya Kuwonjezera zakubadwa. Kusintha masiku ndipo ayenera kukhala pa satifiketi kubadwa. Monga ulamuliro, Pamatha zolembedwa mu United States, ndi buku limodzi lokhali. Njira imeneyi imagwira adzapereka penshioni kwa zaka 5-8 patsogolo.

Njira ina oyambirira kulembetsa wa penshioni mu US - ndi olumala. N'zosadabwitsa kuti mu United States kulandira kalata yoteroyo zina nzika amene ali mu mkhalidwe maganizo. Kuti tichite zimenezi, magazini ya olumala kwa ndikuphunzitsidwa m'deralo. Ndi zofunika kuti mabuku amenewa ndi malo yapita okhala.

zaphindu muyezo wina - namwino. Amaganiza free, pensioners kapena olumala. malipiro ake ndi pafupifupi madola zikwi. Kukhala namwino akhoza mwalamulo ntchito wachibale wa pensioner lapansi. Zikomo kuti banja zimenezi owonjezera madola 600-1000 mwezi.

Ife kwambiri amalangiza kuti sachita njira zimenezi chifukwa iwo ali oletsedwa. Kupanda kutero, inu pachiswe kuti akhale m'ndende.

Velfer

nzika onse amene anasamukira ku United States of America, ali otchedwa khadi wobiriwira. Ngati iwo afika zaka zopuma pantchito, nambveka velfer. zovuta uwu wadzadza ndi chikhalidwe chitetezo. Izi zikuphatikizapo masitampu chakudya, free zachipatala chisamaliro ndi kuyenda pa mabasi ndi magalimoto, komanso kuchotsera pa lendi. Ndi chifukwa chake anapuma ambiri amasamukira ku United States. Chitetezo choterocho chikhalidwe ayenera kulemba ntchito analembera akuluakulu zogwirizana. Pambuyo pake, nzika kuti aletse kukula kwa revenues ake ndi kufotokoza zinthu zonsezo. Ngati muyezo wa chikhalidwe anafika okhala ndi otsika, izo zikanakhala, kuwonjezera penshoni, adzaphedwa ndi mitundu yosiyanasiyana ya chikhalidwe chitetezo. Izi mwayi kwa anthu ambiri a zaka zopuma pantchito. Zimenezi zimathandiza kusunga zayamba pa mwezi kwa chakudya ndi mankhwala.

Polongosola mwachidule

anthu ambiri amasamukira ku United States. Ndi N'zosadabwitsa, chifukwa mu dziko lino mkulu zokwanira mlingo wa penshoni. Komanso, anthu ambiri amadalira ndalama zina kuphatikiza anapereka kwa zotchinjiriza moyo. Chifukwa cha yamasika, simungathe yekha kukhala omasuka, koma ngakhale zonse kuyenda. N'zosadabwitsa kuti United States nzika akapuma ayamba moyo. Iwo amachita zomwe amafuna moyo wake onse. Ichi ndi chifukwa chitetezo woyenera chikhalidwe. Dziwani kuti penshioni apamwamba amavalidwa okhawo amene ali ndi zaka zosachepera 20 ntchito.