Chitetezo chamtundu
Ambiri, koma osati onse, ogwira ntchito za boma amathandiza ku Social Security. Izi ndizofunikira chifukwa anthu omwe sagwira nawo ntchito za Social Security samachotsa ndalama panthawi yopuma pantchito kapena kulemala.
Ogwira ntchito za boma omwe sagwira nawo ntchito ayenera kuonetsetsa kuti miyendo iwiriyi ili ndi mphamvu.
Social Security ndi mpira wa ndale ku federal level. Akuluakulu a ndale amadziwa kuti zosankha zosasangalatsa ziyenera kupangidwa kuti apitirizebe kuthetsa mavutowa, koma palibe amene akufuna kuti phindu la ndale kapena zopereka zowonjezera zikhale zovuta. Mgugu uwu wa chinyumba makamaka umakhala wotopetsa chifukwa cha ndale zowzungulira.
Pulogalamu yachisungiko yokha payokha sidzapitiriza kukhala ndi moyo wopindula wamba. Mwendo umenewu uyenera kukhala wolemera kwambiri ngati n'kotheka.
Mapulani Othawa Ntchito
Ndondomeko zapuma pantchito sizinali zomwe anali kale. Akatswiri a ndale agwiritsira ntchito antchito a boma ndipo ntchito zawo zopuma pantchito zimapindula ngati zopereka zapadera zowononga ndalama za boma. Musagwiritsire ntchito ndalama zaphalala za pork komanso pulogalamu yothandiza anthu. Ogwira ntchito ndi gawo lalikulu la bajeti ya bungwe lirilonse, ndipo kuwapsereza antchito pa mfundo iyi ndi wakupha munthu.
Kusintha kwa ndale kwakhala kovuta pa ntchito yopuma pantchito . Mapindu adachepetsedwa pamene antchito awonongeke. Ngakhale kuti ntchito zapadera siziyenera kuthana ndi apolisi akulepheretsa phindu lawo lopuma pantchito, antchito ogwira ntchito payekha awonanso kuti ntchito zawo zopuma pantchito zikuchepa.
M'magulu awiriwa, ndondomeko ya ntchito yopuma pantchito 'sakhala yotsimikizirika kale.
Antchito ambiri a boma amagwira ntchito ku Federal Employees Retirement System System . Pulogalamuyi ili ndi malo ake otetezeka a Social Security, malipiro a pachaka komanso ndondomeko yowonetsera ndalama yotchedwa Thrift Savings Plan . Ogwira ntchito ku federal omwe sapereka nawo FERS amathandizira ku Boma la Kusamalira kwa Civil Service lomwe limangokhala chaka. Kwa machitidwe onsewa, annuities amatanthauzira mapulani opindula.
Maboma a boma ndi am'deralo omwe ali ndi ntchito zawo zopuma pantchito nthawi zambiri amatanthauzira mapulani opindulitsa omwe amafunika antchito kutenga nawo mbali. Ambiri ali ndi zosankha zokhala ndi ndalama zokha monga 401 (k) ndi za IRA, koma zigawozi sizimaloledwa.
Zosungira zaumwini
Monga tanenera kale, machitidwe ena opuma pantchito ali ndi zosankha kapena zofunikira kuti asungidwe. Ndondomeko ya boma ya Thrift Savings Plan ikuvomerezeka. Mabungwe amapereka ndalama zofanana ndi gawo la malipiro a antchito. Wogwira ntchitoyo angapereke zambiri. Zopereka zimakhudzidwa poyenderana zopereka mpaka mabungwe ena omwe amatanthawuza amatsutsana kapena omwe amagawana zomwe antchito amapereka mwa kufuna kwawo.
Pamene magalimoto osungira enieni alibe zinthu zofanana, ogwira ntchito za boma alibe chilimbikitso chogwiritsira ntchito ndondomeko ya dongosolo la pantchito m'malo mwa zomwe zimaperekedwa ndi makampani oyendetsa ndalama. Monga mapulani ambiri a boma omwe amathandizidwa ndi boma, Mphatso Yopulumutsira Zabwino imapereka mwayi wosankha ndalama . Makampani oyendetsa ndalama payekha ali ndi zambiri zambiri.
Ziribe kanthu momwe antchito a boma amasankhira kusungira pantchito, chinthu chofunikira ndikuti amasunga kwenikweni. Masiku akudalira pa Social Security ndi penshoni yatha.
Kusunga Kusamala
Monga momwe chithunzi chachithunzi chimasonyezera, mwendo uliwonse wa mpando ndi wofunikira. Ogwira ntchito za boma ayenera kumvetsera mwendo uliwonse ndikuonetsetsa kuti imakhalabe yolimba. Zolinga zaumphawi ndi ntchito zopuma pantchito makamaka makamaka kunja kwa ogwira ntchito, kotero antchito amalo amatha kusiyana kwambiri ndi kukhazikika kwa nthawi yaitali ndikusunga ndalama.
Ogwira ntchito omwe akufuna kuonjezera chitetezo chawo choyenera pantchito ayenera kufunsa alangizi a zachuma kudzera mu machitidwe awo opuma pantchito kapena mwa makampani oyendetsa ndalama. Machitidwe ena opuma pantchito akukonzekera ndi alangizi apadera a zachuma amene amagwira ntchito zochepa ndalama ndipo amakhala ndi mwayi wogwira ntchito ndi ogwira ntchito.