Ukwahlulwa kwepropati yoluntu
Xa uqhawula umtshato kwiphondo laseWashington, ulwahlulo lwepropathi yoluntu luxhomekeke kurhulumente ngokulinganayo nangokufanelekileyo. Olu luvo, oluqulethwe kwicandelo 26.09.080 ye Ikhowudi ehlaziyiweyo yaseWashington , ivumela inkundla ukuba yahlule ipropati yomtshato ngendlela eyibona ilungile, kwaye oku akunakuthetha ukuba umntu ngamnye unelungelo lokufumana isiqingatha sepropathi yomtshato.
Imithetho yoLuntu yaseWashington
I-Washington ngurhulumente wepropathi yoluntu. Oku kuthetha ukuba zonke ii-asethi kunye namatyala aqokelelweyo ngexesha lomtshato athathwa njengabanini ngokulinganayo ngabo bobabini abatshatileyo. Nayiphi na ipropathi kunye namatyala afunyenwe ngaphambi komhla womtshato okanye afunyenwe emva komhla wokwahlukana ayizizo iimpahla zomtshato. Ilifa elifunyenwe ngexesha lomtshato eligcinwa lahlukile kwiimpahla zomtshato nalo alifakwanga kubalo lwepropathi yoluntu. Ngaphantsi komthetho welizwe, ipropathi yomtshato kufuneka yahlulwe ngokulinganayo phakathi kwamaqela, nokuba aziphathanga kakuhle. Ngokwesiqhelo, iqabane ngalinye langaphambili lifumana isiqingatha sempahla yomtshato kwaye linoxanduva lwesiqingatha samatyala omtshato.
Amanqaku afanelekileyo
- Ipropathi yoLuntu kunye nokuSinda
- Ukwabiwa ngokulinganayo koqhawulo mtshato
- Iingcebiso zoMama abangatshatanga
Nangona kunjalo, imithetho yaseWashington ikwanokuguquguquka okuthile xa kwahlulwa ipropati yomtshato. Inkundla iyafuneka ukuba ithathele ingqalelo ubungakanani kunye nobungakanani bepropathi yoluntu, ubude bomtshato kunye nobume bemeko yezezimali zomlingane ngamnye xa esenza isigqibo sokwahlulahlula. Ukuba inkundla ifumanise ukuba ukwahlulwa ngokulinganayo kwepropathi kungashiya elinye iqabane kwisikhundla esisezantsi, linegunya lokunikezela ulwabiwo olungalinganiyo.
Abalingane baseWashington bangavuma ukwahlulwa kwepropathi kwaye bangenise inkundla ukuze yamkelwe. Nje ukuba kusekwe, ii-odolo zokwahlula ipropathi azinakuguqulwa okanye zicinywe ngaphandle kokuba inkundla ifumana izizathu zomthetho zokuvula ityala loqhawulo-mtshato, njengobuqhetseba.
Ii-asethi eziCingelwayo zePropathi yoLuntu
Yonke into ebonakalayo kunye nephathekayo kunye nepropathi yeyabantu. Ipropathi yokwenyani ebonakalayo ibandakanya ikhaya lomtshato kunye nenye ipropathi yokuhlala, nokuba indawo irentiwe kumntu wesithathu. Ipropathi yomntu ebonakalayo ibandakanya iimpahla, ubucwebe kunye neemoto. Ipropathi engaphathekiyo ibandakanya ukonga, umhlala phantsi kunye neeakhawunti zotyalo mali. Ilifa kunye nezipho ayisiyompahla yoluntu ngaphandle kokuba iqabane elamkelayo liyazibandakanya nazo kwaye liziphatha njengempahla yomtshato.
IWashington, nangona kunjalo, inodidi lwepropathi yoluntu. Le yipropathi efunyenwe ngumhlali wase-Washington kwaye ibekwe ngaphandle kukarhulumente, kodwa ethi ngokwemithetho yelinye ilizwe, ilawulwe ngumthetho waseWashington. Olu hlobo lwepropathi luxhaphake kakhulu emva kokuba elinye iqabane lifumene ilifa kwisalamane esihlala ngaphandle korhulumente. Le propati ingahlulwa ngokwemithetho yepropathi yoluntu, ukuba inkundla ibona ukuba ukwenjenjalo kufanelekile.
Ulwahlulo lwePropati yoLuntu eWashington
Ixabiso kufuneka linikezelwe kuyo yonke ipropathi eyahlulwe ngoqhawulo mtshato. Oku kwenziwa ngokweziphumo ze-actuary okanye ngesivumelwano sabatshati. Le mithetho ilandelayo ngokubhekisele kukwahlulwa kwee-asethi ezithile ngokubanzi kwaye inokutshintsha ngokuxhomekeka kwinyani zetyala.
iileta zothando zoqobo kumfana wam
Indawo yokuhlala emtshatweni
Kuba ikhaya alinakwahlulwa, inkundla kufuneka inike elinye iqabane umdla kwixabiso lekhaya. Rhoqo, inkundla inika iqabane elingahlaliyo, okuthetha ukuba iqabane elingahlali ekhaya, isenzo okanye uxoke ekhaya ngesabelo salo. Xa elinye iqabane lithengisa ipropathi, iqabane eliphethe isivumelwano lifumana isabelo sengeniso. Ewe, amaqabane anokuhlala evuma ukuthengisa ipropathi kwaye ahlule ingeniso kwangoko.
Iiakhawunti zoMhlala-phantsi
Iiakhawunti zomhlala phantsi, ezinje nge-IRA kunye ne-401 (k), zahlulwe enye yeendlela ezimbini: ngokwexabiso lemali yabo ngexesha lokugcwalisa uqhawulo-mtshato okanye xa kukhutshwa Kwimeko yangaphambili, amaqabane afumana isiqingatha sexabiso leakhawunti. Kule yokugqibela, amaqabane afumana isiqingatha sazo naziphi na iintlawulo ezenziwe kwiakhawunti yomhlala phantsi.
IziBonelelo zoMsebenzi
I-actuary ibala indleko zekhefu lokugula, ixesha leholide kunye nekhefu elihlawulelweyo nelingahlawulelwayo lokungabikho emsebenzini ukusuka kumhla wokwahlukana. Kuba umqeshi engeyonxalenye kwinkqubo yoqhawulo mtshato, inkundla ayinakho ukuyalela inkampani okanye umntu ukuba ahlawule elinye iqabane ngexabiso lezi zibonelelo. Ke ngoko, iqabane elinelungelo lokuhlawula izibonelelo zomsebenzi ezingasetyenziswanga zihlala zifumana enye ipropathi yoluntu njengembuyekezo yomdla wakhe.
Ngaba ikhona into enokubambela iswekile eyimpuphu
Imali
Imali eyinyani, nokuba ikuphi, yahlulwe ngokulinganayo phakathi kwamaqela. Rhoqo, elinye iqabane libhala itsheki kwelinye ngesabelo salo.
Izitokhwe
Izitokhwe ezithengwe ngexesha lomtshato kunye neengxowa-mali zomtshato zahlulwe ngokulinganayo phakathi kwamaqela. Nangona kunjalo, eyona ngxaki inkulu ngokwahlulahlula isitokhwe lixabiso labo eliqikelelweyo ngekamva. Ukusingatha lo mbandela, inkundla ihlala iyalela ukuba izitokhwe zithengiswe kwaye ingeniso yahlulwe ngokulinganayo. Ukuba, nangona kunjalo, isitokhwe kulindeleke ukuba sibe nokuzuza okubonakalayo kwikamva, inkundla inokuvumela ubunini bayo obuqhubekayo, kodwa ifuna ulwahlulo olulinganayo lwexabiso layo elizayo xa izabelo zihlawulwa okanye ekugqibeleni zithengisiwe.
I-inshurensi
Imali ehlawulwe kwi-inshurensi okanye ixabiso lemali eliqokelelwe ngumgaqo-nkqubo ngexesha lomtshato liyakwahlulwa ngokulinganayo phakathi kwabantu abatshatileyo. Elinye iqabane liya kuthi lisuse igama lalo njengendlalifa kwaye lifumane imali okanye enye ipropathi yoluntu kwindawo efanelekileyo yexabiso layo.
Izithuthi
Iimoto zixatyiswa yi-actuary kwaye ixabiso lemali lahlulwe ngokulinganayo. Kuba imoto ayinakwahlulwa phakathi, elinye iqabane linokufumana imali okanye enye ipropathi ngesixa sesabelo sayo.
Ukwahlula iPropathi yakho yoLuntu
Ukuba ufuna ukwazi ukuba ipropathi yoluntu iya kwahlulwa njani ngoqhawulo-mtshato, funa ingcebiso kwezomthetho okanye uthethe nommiselo welizwe laseWashington. Khumbula ukuba inkundla iyakunikezela ngepropathi ngokoko ikholelwa ukuba kukusasazwa okusesikweni, kwaye kunokwenzeka ukuba elinye iqabane lifumane isabelo esikhulu kakhulu kunesinye ukuba uqhawulo-mtshato luya kwityala.
