Tsarin yana sannu a hankali, rashin hankali, mai mutuwa. Yana farawa da matsalolin kuɗi ta hanyoyi daban-daban, sa'an nan kuma, bisa ga girma shaida, yana haifar da matsalolin lafiya da kuma gajeren rayuwa.
Ana haifar da matsalolin kuɗi a kanmu ta dalilin riba na jari-hujja, wanda ke ba da ƙwaƙƙwara kaɗan don ciyar da yara masu fama da yunwa, don kula da marasa lafiya, don tabbatar da mu a cikin ritaya, don samar da damar aiki ga Amurkawa masu matsakaicin matsayi. Wasu daga cikin matakan da ake aiwatarwa suna ƙara zama sananne a gare mu.
1. Bada Rabin 401 (k) ga Bankuna
Dokokin Farko The Retirement Gamble ya ba da rahoton cewa asusun 401 (k) yana samun kashi 7% a shekara tare da 2% a cikin kudade zai yi asarar kusan kashi 60% na ƙimar asusun mara ƙima.
Kuɗin 2% bai yi kama da yawa ba, amma iƙirarin shirin ya kasance kusa da gaskiya. Dangane da 6%tarihi dawo da hannun jari, ma'aikaci yana saka hannun jari $ 1,000 a shekara tsawon shekaru 30 a cikin asusun da ba a biya ba sannan kuma rike da jimlar tara na wasu shekaru 20 zai ƙare da $269,000. Sanya kuɗin shekara 2% zai rage jimillar ƙarshe zuwa $127,000, asarar 53%. Sanya kuɗin 1.3%, wanda bisa ga shirin shine matsakaicin masana'antu, zai rage jimillar ƙarshe zuwa $165,000, asarar 39%.
Masana'antar hada-hadar kudi suna karɓar wannan kuɗin daga yawancin mu kowace shekara. Yawan ma'aikatan kamfanoni masu zaman kansu dangane da 401 (k) maimakon fensho na kamfani yana da ƙara daga kashi 12 zuwa 68 bisa dari tun 1983.
2. Kallon Yara 24,000,000 Suna Yunwa Don Gujewa Rarraba Mutane 20 Masu Arziki
Wannan ciniki ne da ba za a yi tsammani ba, amma yana faruwa. Kodayake kasafin kudin 2013 SNAP (tambarin abinci). $ 78 biliyan kasa da abin da aka samu na saka hannun jari na 2012 Amurkawa 20 masu arziki, SNAP yana kasancewa yanke alhalin ba a karbo ko sisin kwabo daga wajen biliyoyin kudi.
Yaran, waɗanda suka yi kusan rabi na 48 miliyan masu karɓa, yanzu za su samu $1.40 don abinci maimakon $1.50.
3. Sauraron "Masu Ƙirƙirar Ayuba" Suna Ba'a ga Gaskiya
Billionaire Casino Steve Wynn: "Maza kamar ni masu kirkiro aiki ne kuma ba ma son a yi mana fentin idon bijimi a bayanmu."
Shugaban bankin John A. Allison IV: "Maimakon kai hari kan kashi 1 cikin dari, bari mu kira shi hari kan masu fa'ida sosai."
Gaskiyar ita ce ribar kamfanoni suna da ninkininki cikin shekaru goma, kuma kashi na harajin kamfanoni an rage rabin, yayin da miliyoyin ayyuka aka yi rasa. Wasu daga cikin bayanan yanke aikin sun fito daga The Nation, Watch Market, Da kuma business Insider.
Ta yaya "masu ƙirƙira ayyuka" Steve Wynn da John A. Allison IV suka yi? Ana ɗaukar lambobi masu zuwa daga rahotannin 10-K na shekara-shekara, waɗanda aka ƙaddamar ga SEC:
daga Wynn Resorts: Yawan riba ko fiye, raguwar ma'aikata
-- Kudin shiga 2012 $728,699,000 / Ma'aikata 16,000
-- Kudin shiga 2011 $825,113,000 / Ma'aikata 16,400
-- Kudin shiga 2010 $316,596,000 / Ma'aikata 16,405
-- 2009 Kudin shiga $ 39,107,000 / Ma'aikata 18,900
Daga bankin Allison, BB&T: Riba ninki biyu ko fiye, ɗan bambanci a cikin ma'aikata
-- Kudin shiga 2012 $2,028,000,000 / Ma'aikata 34,000
-- Kudin shiga 2011 $1,332,000,000 / Ma'aikata 31,800
-- 2010 Kudin shiga $ 854,000,000 / Ma'aikata 31,400
-- 2009 Kudin shiga $ 877,000,000 / Ma'aikata 32,400
4. Jin Damuwa Mai Ragewa
Sama da 200 kwanan nan karatu sun tabbatar da alaƙa tsakanin damuwar kuɗi da rashin lafiya. A cikin shekaru 20 kacal Amurka ta yi fice a cikin kasashen da suka ci gaba kika aika akan kusan kowane babban ma'aunin lafiya.
Rashin ingantaccen kulawar lafiya shine tushen wannan damuwa. A Nazarin Harvard an kiyasta cewa kusan Amurkawa 45,000 ne suka rasa rayukansu a cikin 2005 saboda rashin inshorar lafiya.
Baya ga illolinsa ga lafiyar jikinmu, damuwa ta kuɗi tana barazana ga lafiyar kwakwalwarmu. Abin mamaki, daya daga cikin kowane manya na Amurka biyar yana da rashin lafiya tunanin mutum a cikin 2011, kamar yadda Hukumar Abuse da Kula da Lafiyar Zuciya ta ruwaito. Wani kwanan nan binciken ya gano cewa rashin aikin yi, na son rai ko na son rai, na iya yin tasiri sosai kan lafiyar kwakwalwar mutum. Amma ɗayan Amurkawa biyu ne kawai ke buƙatar kula da lafiyar hankali iya magani.
Grimmer har yanzu shine girma yawan kashe kansa, kuma yana da alaƙa da rashin aikin yi da kuma raguwar dukiya. Adadin yana dakara tun daga koma bayan tattalin arziki na 2008.
Bayanai sun nuna cewa mu mutane ne masu koshin lafiya har sai da tsarin jari-hujja na kasuwa mara tsari ya fara kawo cikas ga rayuwarmu. Yanzu, saboda dalilin cin nasara-dukkan riba, muna fafutukar kare rayukanmu a zahiri.
Paul Buchheit malami ne na kwaleji, marubuci don wallafe-wallafen ci gaba, kuma wanda ya kafa kuma mai haɓaka adalci na zamantakewa da shafukan yanar gizo na ilimi (UsAgainstGreed.org, PayUpNow.org, RappingHistory.org).
ZNetwork ana samun kuɗi ta hanyar karimcin masu karatun sa.
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