Basa rehuruzhinji nderimwe remitsetse yakasimba yebasa rinogona kutevera. Kunyange kana mushumiri wepachena wevanhu achinetseka nekuderedza kushanda , masangano ehurumende anoita zvose zvaanogona kubatsira vabatsiri vavo kuchengeta mabasa. Mukuwedzera kune kugadzikana kunopiwa nehurumende, kubhadhara mari inobhadharwa ibasa guru rekutengesa rekubhadhara mari itsva.
Hazvisi chakavanzika kukosha kwehupfumi hwehupfumi hwehupfumi hwevanhu huri kuitika munhoroondo yezvino; zvisinei, zvakadaro kune kukosha kwezvipo zvakafanana munharaunda. Hurumende inobhadharwa mari yehupfumi haisi iyo yaimbova, asi ichiri kurova hurumende.
Asi chii chinoita kuti hurumende inobhadhara mari inobatsira kudaro? Zvikonzero zvakasiyana-siyana zvinoita kuti zviitike izvi zvikonzero chikonzero vanhu vanosarudza kushanda kwehurumende uye vanonamatira. Zvikuru zvitatu zvakanyorwa pasi apa.
01 Inofanirwa Kubhadhara
Mitemo yehurumende yekusarura mari inongogara isiri kuchinja kune vashandi vemazuva ano. Vanowanzoregererwa kubva kuchinja kunogona kuvakanganisa. Pane kudaro, vateereri vemitemo vanobvumira kuchinja kwevashandi vatsva vasingazove nekunzwisisa zvishoma mitemo yekare maererano nemitemo mitsva. Ikozvino vashandi vanogara vakagutsikana, uye vashandi vatsva havazivi chakavarova.
Izvi hazvirevi kuti mitemo yemutambo haifaniri kushanduka kune vashandi vehurumende vemazuva ano. Asi kuchinja kwakadaro kunoitika pane dzimwe nguva. Pavanoita, vashumiri vehuruzhinji vanofanira kukurumidza kuongorora kuti zvinorevei zvinorevei ivo pachavo vozogadzirisa matanho avo ekuchengetedza basa.
Nekushingaira kuronga mberi kwebasa ravo, vashandi vehurumende vanokwanisa kuve nechokwadi kuti pensions yavo ne Social Security vanovapa zvose kana zvinenge mari yose yavanoda. Mishonga yekusimudza uye Social Security inopa mwedzi wose mwedzi mari, uye kuchengetwa kwevanhu pachavo kunopa hurumende kubheti yekuchengetedza kwemari isingatarisirwi.
02 Inofadza Health Insurance Options
Vatorwa vangasaona kunyange musiyano. Semuenzaniso, kana vashandi vane zvikwereti zvemishonga yemishuwarenzi yehutano vakavhara 100% uye mhuri yavo yepamusoro yakavharwa ne50%, izvi zvinoramba zvichienda mubasa rekusarura.Hazvifaniri kunetseka nezvekurasikirwa nehutano hwehutano hwehutano nokuti havasisina vashandi. Iyo yekusarura inotora chikamu chemutemo webhadhadzi wekare waibhadhara.
03 Mari yeHupenyu
Iyi mari yehupenyu inokosha inokosha pakugadzirisa basa rekurega basa. Vanhu vanogona kuziva zvavanozogamuchira mwedzi woga woga kwehupenyu hwavo hwose. Maitiro mazhinji ekurasikirwa akashanda-mumari -e--hupenyu huri kugadzirisa kuitira kuti mari yakakwana ichengetedze simba ravo rekutenga kwenguva.
Mamwe masangano ekurasikirwa ane mazano apo vashandirwi vanofanira kusarudza kushandiswa kwevatengesi pakati pekukura kwekubhadhara kwekubhadhara kunopesana nekuwanda kwemudzimai kunogamuchirwe kana kusunungurwa kuchipfuura. Heano muenzaniso. Imwe nzira yekurasikirwa ndeyekuti mukadzi anenge apona awane 50% yekusunungurwa kwegore. Nzira yacho inopa vashandi zvigadziriswa zvimwe zvingasarudzwa zvekuita kuti mudzimai anenge ari mupenyu awane ruzivo rwakanyanya. Mukutsinhanisa nekuderedzwa kwe12.5% mugore rega, mudzimai anoramba aripo anogamuchira 75% ye annuity mushure mekufa kwekurasikirwa. Mukutsinhanisa nekuderedzwa kwe25% mugore rimwe chete, hurongwa hwekurega mari hunobhadhara 100% yegore rakapera kusvikira vaviri vakaroorana vapfuura.
Mari inogutsikana inobatsira zvikuru kuvashandi vehurumende. Munyika iyo yakanyanya kuenda kunotsanangurwa zvirongwa zvepano, chirongwa chinorondedzerwa chirongwa chinonyanya kudiwa.