Vanovenga mubatanidzwa wenyika vane chinangwa chitsva, vashandi veveruzhinji veDetroit, kubvira guta rakava hombe munhoroondo yekufoira kubhuroka. Masangano eDetroit achanetsana nemutongi wekubhuroka uku kudonha pamusoro pemabatiro emadhora mazana matatu nemazana mashanu emadhora muzvisungo zvepenjeni kune zviuru gumi nezviviri.
Vagari vemuguta vanogashira mari inokwana $19,213 pagore paavhareji. Zvisungo zvepenjeni kune vashandi ava zvinokwana zvisingasviki makumi maviri muzana echikwereti cheDetroit. Asi chokwadi hachina kuchengetedza vakasiya basa kuti vatakure dambudziko rekuparara kwemari.
Muchokwadi, vezvematongerwo enyika kutenderera nyika vari kutora nguva dzakaoma dzeDetroit sechikonzero chekudzikisa penjeni yeveruzhinji padyo nepamba. Kwavari-uye kune vemabhangi vachitsvaga chimwe chiitiko-iyi inogona kunge iri budiriro yavanga vakamirira.
Vagadziri vemitemo kubva kumapato ese vari vaviri vakwira pane imwecheteyo mhere-mhere sevari kurudyi vanogunun'una kuti mari dzemudyandigere dzakawandisa, vachitadza kuzvidzora nekuda kwemasangano evashandi. Ivo vanokanda muchokwadi chekuti vakasiya basa vari kurarama kwenguva yakareba, uye tout iyo ichakurumidza-kuzvimba nhanho dzevacheche vanoregedza, kuwedzera imwe nhamba yekuvhara pamitongo yavo nekunongedza zvigunwe.
DAMBUDZIKO AKABUDZWA
Asi chokwadi ndechekuti dambudziko remari yemudyandigere, veruzhinji neveruzhinji, rakagadzirwa. Yakadzika midzi muEnron-style accounting uye "chimwe chinhu-chisina-chisina" engineering yezvemari iyo yakatanga kuparara kwemari muna 2008.
Kuita fungidziro dzezvishuvo pamusoro pemafambiro emusika wemasheya, makambani anoita mapenjeni akachinja, kutsausa madhora muzvikamu zvakakura uye mabhonasi e stratospheric ivo pachavo. Vazhinji vaive vaenda kare panguva iyo bhiri rakasvika.
Masimba mamwechetewo akasunda vezvematongerwo enyika - vane hunyanzvi hwekuudza vanhu zvavanoda kunzwa - kuti vataure kuti chokwadi, makambani nevapfumi vaigona kuderedzwa mutero nepo vashandi vehurumende vachiramba vachiwana penjeni yavo uye kukwidziridzwa nguva dzose.
Izvozvi hurumende nehurumende dzemunharaunda dziri kushambira neingi tsvuku nekuda kwekuderedzwa kwemitero uye kunyungudika kweWall Street, mibatanidzwa inobatwa netsoka dzakadzikama. Vaimbobatana navo, mushure mekuyedza mhepo dzezvematongerwo enyika dzanhasi, zvino vanosvika nedemo mubhadharo wavo uye penjeni.
Rhode Island yakadhirowa mepu yevezvematongerwo enyika kwese kwese makore maviri apfuura, vachicheka penjeni yevashandi vehurumende nevemanisiparati ne "shanduko" ine hutsinye iyo yakamanikidza vashandi vazhinji kuti vauye kuhurongwa hwakasanganiswa uye kumisa kugadzirisa kwemitengo yekurarama.
Dambudziko racho rakawira kune vakarega basa semudzimi wemoto wemakore 19 Paul St. George, uyo ane $ 36,000-gore-penjeni yakashandurwa kuva $24,000 usiku hwose. Aifanira kubuda mumba make achienda mune imwe furati ndokuwana basa renguva yakazara somugadziri wezvinhu, akaudza pepanhau.
ARITHMETIC isingafadzi
Kuwedzera kutukwa nekukuvara, nyika yakapa mari inodarika bhiriyoni imwe yemadhora emari yepenjeni kumakambani ehedge fund kuti agadzirise-mukuchinjana nemari inotarisirwa mabhiriyoni maviri nechidimbu emadhora mumakore makumi maviri, yakatorwa kubva muhomwe dzevakasiya basa, avo vaizosiya madhora mazana maviri nemazana matatu emadhora. bhiriyoni muCOLAs panguva imwe cheteyo.
Hazvishamisi kuti Wall Street yakapomba madhora miriyoni maviri mumushandirapamwe wegubernatorial waGina Raimondo, uyo akagadzira Rhode Island scam, sezvakataurwa naMat Taibbi kuRolling Stone.
Kunyangwe dambudziko rezvemari ra2008 risati rasvika uye maburi aakagadzira mumabhajeti ehurumende neemuno, penjeni yaive mhuka iri mungozi. Muna 1980, 40 muzana yevashandi vaiva nepenjeni yagara ichitsanangurwa-yekubatsira. Nhasi iri pasi pehafu iyoyo.
Makambani akafambisa iyi shanduko-axing zvirongwa zvekurega basa zvachose pavakakwanisa kubva nazvo, vachichinjira ku401 (k) zvirongwa kwavasingakwanise. Zvirongwa izvi zvakanyoreswa zviri pamutemo muna 1978 uye zvakambogadzirirwa kuwedzera penjeni yechinyakare. Asi 401 (k) s yakakurumidza kupa nzira yakachipa yekutiza, inodhura makambani anenge hafu yakawanda seyemudyandigere. Zvakatonyanya kukosha, 401 (k) s yakabvisa njodzi kubva kumakambani uye kwatiri.
Penisheni yechinyakare yaive chibaya pamhinduro yakabatana yedambudziko repasi rose-mararamiro akanaka kana makore ako ekushanda apera. Kubatanidza mari dzemudyandigere pakati pevashandi vekambani huru, kana indasitiri yese, kwakagadzirisa kusachengeteka kumunhu wese. Iye zvino ndiwe chete nemusika wemasheya.
Tsvagiridzo inoratidza kuti unozopedzisira uine zvishoma muhomwe yako. A 401 (k) inowanzobereka 10 kusvika ku33 muzana zvakanyanya sepenjeni yekare. Hafu yevose vatori vechikamu pakati pemakore e55 ne64 vane zvishoma kudarika $ 120,000 mu401 (k) s yavo.
PRIVATE SEKTA PLAYBOOK
Kune nhengo dzemubatanidzwa mubazi rakazvimiririra, kurwiswa kwemazuva ano pamapenjeni ehurumende kune mhete yavanoziva. Makambani akapedza makore achitamba iyo yakatsanangurwa-benefit pension system nenzira yakafanana: Kutanga, kubvisa mipiro yepenjeni kuti iwedzere purofiti-zvakareruka sekutora iyo kambani spreadsheet kuratidza rosier fungidziro yekudzoka kwako kwekudyara.
Zvino, kana magimmicks e accounting achinge aridzwa, chema nezvemitengo yenhaka, zivisa kubhuroka, uye namatira mumwe munhu nebhiri.
Makambani kubva kusimbi hofori LTV kuenda kuTwinkie-mugadziri Hostess akatevera iyi pateni. Uye zvinhu zvabva pakuipa zvichienda pakuipisisa mumakore mashanu kubva pakadonha Wall Street.
Pakupera kwegore ra2012, zvirongwa zvakazvimirira zvakatsanangurwa-zvirongwa zvaingova ne75 muzana yezvavaikwereta vatori vechikamu. Kushaikwa kwegore rino kunogona kuwedzera kusvika pamabhiriyoni mazana matatu nemakumi maviri nemaviri emadhora โ kubva pamadhora mabhiriyoni makumi mana nemanomwe pakupera kwa322 โ maererano nePension Benefit Guaranty Corporation.
PBGC, bazi rehurumende rakavambwa muna 1975 kuti ridzore mari dzemudyandigere dzebazi rakazvimirira, rinotsigirwa nemari inobhadharwa nezvirongwa zvine hutano, pamwe chete nemidziyo yakatorwa kubva kumakambani akabhuroka. Asi nhasi zvakazara nehurongwa husina kumira zvakanaka, sangano iri riri kushanda rakatsvuka. Gore rakapera kushomeka pakati pemari yaanowana nezvisungo zvayo kwakawedzera kusvika kune rekodhi $35 bhiriyoni.
Kunyangwe ingi tsvuku isati yatanga, mubhadharo wePBGC waiwanzosvika isingasviki hafu yezvakavimbiswa nevanosiya basa nevashandirwi vavo. Republic Steel muenzaniso wakashata: vashandi vakatarisa penjeni yavo ichideredzwa kusvika kumadhora chiuru pamwedzi muna 1,000 apo PBGC yakatora masimba, ndokuzochekwa zvakare muna 2002.
Muchikamu chechipiri, vamwe vakasiya basa vakaona mabhenefiti avo achidzika kusvika pamadhora zana nemakumi maviri nemashanu pamwedzi.
Iyo PBGC's bulging deficits inogona kukonzeresa kuderedzwa kwakawanda kukubhadhara, neWashington pasina mumo kune chero mari yekukurumidza.
Kune vashandi vari muzvirongwa zvepenjeni yevashandi vakawanda seTeamsters 'inorwara yeCentral States Fund, yakamirira mutemo wemubatanidzwa unobvumidza kutemwa kwepamberi kunyangwe pasina kubatanidzwa kwePBGC (ona Stealth Bill Inobvumidza Kuchekwa kune Yazvino Pensheni).
CHIBAYA CHIMWE NEZVIVIRI
Kunyangwe zvikamu makumi masere kubva muzana zvevashandi vehurumende vachiri nepenjeni yechinyakare, vezvematongerwo enyika vakawanda vari kuverenga kubva mubhuku rekutamba rakazvimirira. Mushure mekusvetuka mubhadharo mumari yavo yepenjeni kakawanda munguva dzehupfumi huri nani, apo mari yairatidzika seyakapfava, iko zvino vari kusundira kuderedzwa kwakadzika.
"Nhamba idzi dzinozvitaurira - hurongwa hwemudyandigere sezvatinoziva kuti haugoneki," Andrew Cuomo akasimbirira mushure mekusarudzwa kwake gavhuna weNew York.
Cuomo, sevezvematongerwo enyika munzvimbo dzese dzezvematongerwo enyika, akapokana nevashandi vehurumende nemibatanidzwa yavo nevateresi - ukuwo makambani ne1% avo vakabatsirwa nemakumi emakore ekuderedzwa kwemitero chinyararire vachibuda pachena.
Nezvikamu zviviri kubva muzvitatu zvepensheni yehurumende yakatarisana nekushomeka - kusvika kumadhora mazana manomwe emadhora muna 700 - kurwiswa uku kubva kune vezvematongerwo enyika kuri kuwedzera.
New York, imwe yematunhu gumi ekusundidzira kuburikidza nekuchinja kukuru kumapenjeni gore rapfuura, yakawedzera chikamu chechitanhatu chemihoro mitsva muhurongwa hwayo hwenyika. Dzimwe nyika dzakatora matanho akaomarara akafanana, sekudonhedza penjeni yechinyakare kuvashandi vatsva vachifarira zvirongwa zvakatsanangurwa, kuwedzera zera uye zvinodiwa zvebasa rekuenda pamudyandigere, nekubira mipiro yevashandi. Alabama yakatora nhanho inokakavadzana yekumisa chirongwa chayo chemudyandigere.
Kure nekumisa hurongwa hwedu hwekurega basa, matanho aya anongowedzera kupatsanuka, achiisa chidimbu chega chega chevanhu muchikepe chakasiyana chinovuza.
Sezvo masangano anorwira kudzivirira mapenjeni enhengo, zvakafanira kufunga kupfuura kuderera kwechikamu chedu chevashandi kune matanho anozobatsira munhu wese. Kune hafu yevashandi venyika, Social Security yatova zvose zvavanazvo. Uye paflip side, vamwe kana vese vashandi vehurumende mumatunhu gumi nemashanu havawane Social Security, saka mari yavo yepenjeni ndiyo chete yavainayo.
Zvakadini kana isu takatora zvakakomba magumo evakaenda pamudyandigere, uye tikasimbisa Social Security kuitira kuti ikwanise kubhadhara mari yakawanda yekugara? Kuti pamudyandigere wako waive wegoridhe kana kuti tinfoil hazvinei neutano hwemumwe waunoshandira - chirevo chakasimba, kutaura chokwadi.
Isu tiri kure kure nehurongwa hwekurega basa hwepasirese hwakasimba. Kucheka Social Security ingangoita bipartisan chinangwa izvozvi. Saka danho rekutanga nderekumisa vezvematongerwo enyika kubira kuSocial Security sechikamu che "grand bargain" padenga rechikwereti, Obamacare, kuvharwa kwehurumende mune ramangwana, kana chimwe chinhu.
ZNetwork inopihwa mari chete kuburikidza nerupo rwevaverengi vayo.
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