Vashandi vehurumende Vanyoresa zvakananga
Kana munhu atora basa nemasangano ehurumende, munhu iyeye anonyorwa mubasa remushandirwi. Semuenzaniso, vashandi vezvematongerwo enyika vanobatsira kuHome Federal Employees Retirement System kana FERS .
Hurumende uye hurumende dzenzvimbo dzine maitiro akafanana. Kunyange zvazvo urongwa huno husiyana munyika yose, hukuru hwakangofanana nehuwandu hwevashandisi vanopa mari , mari yezvekubhadharwa inobhadharwa sei , kuti mari yekubhadhara mari inotarirwa sei uye kuti kubhadhara mari yekusunungurwa kunotsanangurwa sei.
Kunyange zvazvo zvingaita sekutya kuti mushandirwi aite basa rokubatanidzwa muurongwa hwekusarura hunotora mari zvakananga kunze kwekubhadhara kwevashandi, kuita izvozvo kunofanirwa kwehurongwa hwakasimba hwokurasikirwa hucharamba huchishanda mukusingaperi. Vashandi vemari vanopa mari inoshandiswa kune zvinangwa zviviri: kuisa mari kune ramangwana kumabhadharo uye kubhadhara mari yavanotora mari ikozvino. Kunze kwekuti munhu wose atora chikamu, izvi zviviri zvinoshandisa mari kuti zvisaitike nekuda kwekushaya mari yakakwana.
Vamwe vanotarisa urongwa uhwu uye vanohufananidza neshoko pamusoro pokubvuta Petro kubhadhara Pauro. Kune imwe nzvimbo, kodzero yavo. Vashandirwi vemazuva ano vari kunyanya kushandiswa mari yekubhadhara mari kubhadhari vemazuva ano, asi paunotarisa nguva, vashandi vemazuva ano vachava vashandi vemazuva ano, uye chizvarwa chitsva chevashandi chikamu chemari yevanoshandira mari.
Chero bedzi paine vashandi, zvikwereti zveuchenjeri, uye kuchengetedza mari, hurumende idzi dzekurasira hurumende dzinobata nguva.
Imwe Nyaya Inobasa Vashandi Vasingabatsiri
Nguva bedzi vashandi vasave vasingabatsiri ndevaya pavanodzoka-ku-kubhadharwa basa vanochera annuities kubva pamutambo wekusasiya.
Hazviiti kuti zvive nechinangwa chikuru chekuregera kubatsirana kuita mari yekurasikirwa kana munhu iyeyo ari kutambira kare kubhadhara mari. Dzimwe hurumende inotora mari inobhadhara masangano ekubhadharwa mari yekuti mari yekudzoka-ku-kushanda yekusarudzwa kwesangano haisi kupa uye saka inoderedza nhamba yevatsigiri. Mari iyo inobatsira kubvisa kukanganisa kusina kunaka kwehurongwa hwekurega basa.
Vaya vakasiya basa kubva kune imwe nzira yekusarura asi vari kushanda sangano rinopindirana nerimwe rakasiyana rinofanira kubatsira kumushandi wehurongwa. Kunyange zvazvo kudzokera kune-kubasa kusununguka kunogona kubvisa michero usati wasvika makore anodiwa ekushandira kuti uwane chikwereti, vose vashandi vanofanira kubatanidzwa nokuti hurongwa hwekurega basa husina nzira yekuziva kuti ndeapi kana kuti pakupedzisira haazogadziri mari .
Kazhinji yenguva, vashandi vehurumende havafungi kuti vanofanira kubatanidzwa muhurongwa hwokurasikirwa. Aya maitiro anoita kuti urongwa hwekurega basa huve nyore kana huenzaniswa nezvinodiwa nevashandi vebato rega. Kune vashandirwi vakawanda vanobatira pabasa, kushandiswa kwemitambo yekubvisa mari inoumba chikamu chikuru chemari yavo yega mwedzi. Sungai izvozvo neSocial Security, saka kuchengetwa kwevanhu pachavo hakudi kuti vaite chikamu chikuru chekuita basa rekutsigira mararamiro ake.
Vashandi vehurumende vachiri kuponesa ivo pachavo, asi havakwanisi kutarisana nehuwandu hwekutsvaga kwekutsvaga hutsva hunoita kuti vawane mazai avo. Kune vakawanda, chigaro chezvikwereti zvitatu zvehupfumi hwehurumende hachisi nyore nyore kuchengetedza.