Table of Contents
Emiganyulo Egiva mu Kukulembera Abantu mu Kibiina ku Kuwummula mu Mbeera ne ku Kugaba Obufuzi
Gavumenti ewa pensoni y'emu ku mitendera emiwanvu ennyo egikolebwa gavumenti yonna. Gavumenti egasa okuteeka ku nteekateeka zino eziganyula obukadde n'obukadde bw'abakozi ba gavumenti nga mw'otwalidde abasomesa, abapoliisi, abaziganya omuliro n'abakozi ba gavumenti, nga n'enkankano ezigasaasaanyizibwawo, obuwumbi obuwumbi obusukka mu buwumbi 4. $4 mu ggwanga lyonna. Gavana ng'omukulu w'eggwanga, afuga emirimu gya gavumenti, akozesa obuyinza bungi ku pulaani ya poliisi, ssente, n'obukulembeze wa programu za bannakyewansi ezibaazo. Mu kukekera ssente eziweebwayo ku bupaasa bwa pensola, emirimu gya gavana omukungu kiyinza okunyweza oba okusasula emilembedde. Okutegeera engeri essente ez'obukulembeze mu bapasokereza banna bannakyewaawo, ne bannannyini ab'obukulembeze mu kifo kya bannakyewapu.
Ekifo kya Gavana wa Gavumenti mu Kutegeka Obutongole
Gavana wa gavumenti y'atuula mu kifo eky'entebe esinziirwako mu kufuga okusobozesa abawummuzi okukola emirimu gyabwe.
Obuyinza bw’Edda n’Eby’Okusoosa Ebisinga Obukulu
Enteekateeka ya gavana eya buli mwaka esobozesa essente ezikozesebwa mu masaza mangi okusobozesa essente eza pensoni. Gavana bw'ateekawo enteekateeka ezisookerwako, eggwanga likendeeza ku nsaasaanya za ssente ezitakkirizibwa era ne kyongera ku miwendo egiba gikyayimizibwa. Ssente eziweebwayo ku musaala bwe ziba tezifiibwako oba nga zikendeezebwa ku ebyo ebirala ebisaahzibwako, ebbeeyi z'enkalateekako n'obujjanjabirwamu obwa bulijjo. Okukendeeza ku ku ku nteekateeka za denarikiti ezikolebwa ne ku mirimu emirala egikolebwa ne ku abo abagoberera enkola y'empaka y'essente ezizingirwamu mu myaka ebbiri egiyise.
Amaanyi Agali mu Buddu Obugaba Obusaliddwa Omusango
Gavumenti zisinga obungi zifugibwa abo abaweebwa essente eza pensoni nga bakolera ku nkola y'okussaawo enkola y'okutereka ssente, okuteebereza kw'obukwasiddwa, n'enkola ez'okufuga. Gavumenti zilonda ekitundu kinene ku abo abali ku kakiiko, ng'emirundi egimu nga ziwa obukakafu nti kampuni zigoberera enkola eya bulijjo. Ekiragiro ekitongole kisalawo ku ku buli kintu, okukkirizibwa kw'omutawa, n'okuganyulwa. Gavana alonda abawandikibwa obukiiko obukola mu by'embalirira y'eby'ensimbi, anyweza ebiva mu ku miteeyindo gy'ebyobufuzi, ate abo abalonda abo abateekawo n'obuwagizi obukola nga bassawo ebiseera bingi.
Agenda ne Veto Guvernera
Wadde nga basemba ba gavumenti bayisa ebbanja ez'okukyusa ebisale ebya pensoni, enteekateeka za gavana ez'okussaawo amateeka ziyinza okussaawo okuteesa ku nsonga ezikwata ku kugonjoolwa kw'essente. Gavana bayinza okuteekateeka okulongoosebwa, okuteesa n'abafuzi, era n'okukozesa amaanyi gaveto okuziyiza amateeka ge baziyiza. Ab'obuyinza bano basobozesa nkyukakyuka eziganyula abawerezza emyaka egy'okuwummula, ebbeetaaza ssente ezisaasaanyizibwawo, n'abakozi bassawo ssente eziweebwayo. emirundi mingi kibanguyira bannaaweede okukola enkyukakyuka mu pessente ezizi z'essente eziweebwayo.
Ebiragiro by'Abitegeka
Nga wayiseewo amateeka, ab'obuyinza bayinza okukomyawo enkola y'abafuzi nga bawa abafuzi ebiragiro ebikwata ku nkola z'obukulembeze, okuwa alipoota ebiba by'ekibiina, n'okugobererwa. Gavana abamu bawadde abakungu abamu ebiragiro okupima empeyini, okutegeeza ebbeeyi y'omulimu okusobola okwekenneenya obuwagizi obw'ekiseera ekiwanvu. Ebikolwa bino, wadde nga birabika kitono okusinga enkyukakyuka ezikolebwa ku mateeka, bisobozesa abantu okuvunaanyizibwa n'okulongoosa mu by'okweyongera mu bulamu bwabwe.
Enkola Enneekusifu: Kinsanyusa Nnyo Okunoonyereza
Okukyusa Ebintu Kiganyula Enteekateeka Ezimu
Gavana afuga butereevu enkola y'emu nga ayisa abawaabi b'empewo mu kukyusa enkola ya pensoni. Okukyusa kukolebwa ku nkola y'okukuza emyaka gy'okuwummula kuzingiramu okukuza empanvu, okukyusa enzijanjaba ekozesebwa okuweza ebbeeyi y'embalirira, okukendeeza ku nkyukakyuka eziba zikoleddwa mu bulamu, oba okuggya abakozi abappya mu nkyukakyuka ez'enjawulo. Enkyukakyuka zino zikwata ku bukulu bw'okubeeyambibwa n'obutebenkenkevu bw'omulimu. Gavumenti zikola enkyukakyuka zino okusobola okusobozesa embalirira y'enteekateeka eno okusobozesa ereme okukolebwako, ate nga n'abavumbuzi bawakanya ekiteesobozo kwe baddiŋŋanawezza abakozi baabwe era ne bakendeeza ssente.
Okuwagira Okukangavvula n’Okuyamba mu Buwalwa
Ekiragiro ekiteeberezebwa kiteeberezebwa nga ssente eziba zeetaagisa buli mwaka okusobola okuweza essente mu bujjuvu. Gavumenti eziwa embalirira enzivvuunula z'empandika z'empaka ez'enkola zisobozesa okukangavvula okukolebwako. Abo abawaayo ekitonoko okusobola okusasula ebifissi. Emirundi egisinga obungi, nga basuubira nti bazzeeko ssente ze bateekawo ssente mu pensoni, bateekamu ek'enjereere mu mpalo. Association of State Renational Resancement Ruddements[ Baakkolanga nti okusasula ebiteesoosa by'ebyo ebiteeyambiddwa mu kugaba bye bibadde bireeteddwa bisukka mu 80 ku kikumi kya abo ababadde nga basuubira nti ebiteeso bya dyungibwa mu kiseera ekiwerengo ekyo kibadde nga 60 ku kiro.
Kampuni y’Okugula Amagoba n’Ebitongole Ebirala Ebiragirwa mu Buwanguzi
Ssente ezikozesebwa mu kusasula ssente zisobola okusasulira kumpi emirundi ebiri mu mitaana ku mitaana. Gavana ku bikwata ku kussaawo n'okuteekawo ebiwandiiko n'okuteekawo enkola ey'okuteeka ssente mu nsawo. Gavana abamu bawagidde okuteerekera ssente mu ngeri eyabweru, entebe, oba eby'obugagga ebirala okwongera ku mitemere gye zigenda okutereezebwa. Abalala bawagidde okukendeeza ku nfuna y'eby'obutebenkedde, ey'eby'obulamu, n'eby'okugoberera enkola ya bya ssente. Obukankanyi wakati w'okuddibizibwa n'okuluubirira ebiruubirirwa by'okuzikomyawo nga batandikawo obuvunaanyizibwa obwa bulijjo. Gavana bateeka mu ku bye bateeka mu miteeko ne bye basasula.
Omusango gw’Okusala Omusango gukwata ku by’Obufuzi ne ku Kulowooza Obubi
Bwe tutegeera engeri gavumenti gye zitwalamu emirimu gyazo, kituyamba okutegeera ensonga lwaki amawanga agatali gamu gagoberera amateeka agakwata ku kuwummula wadde nga gayinza okugootaanya embeera y'eby'enfuna y'emu n’ey’abantu abaaw'okuwummula.
Obutakkaanya mu Ngeri gye Tukolaganamu
Okunoonyereza ku nkola ya pensoni mu gavumenti kulaga engeri abantu gye baganyulwa mu kulonda abaagalwa okuva ku nnyiriri eziba zivudde ku ggwanga. Gavana ba Republic be babadde baanguwa nnyo mu kukyusa ebizimbe ebizimbiddwa, okukendeeza ku miganyulo egiva mu mulimu, era n'okuwaayo kw'abaddu okw'ekika kya demokulase okukkaanya ennyo okukuuma emiganyulo, okulongoosa ssente mu by'ensi okuyitira mu kweyongera kw'essente eziweebwa mu nteempewo. Kyokka, bannabyabufuzi bano tebakomako nnyo okukakaatika okuteeka mu nkola enkyukakyuka ezo. Gavumenti zombi zisobodde okugonjoola ebizibu ebibagirwa mu ngeri eyo, ate abakulembeze b'eby'abawandikibwa banoonya nnyo ebizikwata ku nsonga ezikwata ku nkyukakyuka ezibagirwa mu by'ebbeeyambisibwamu. [[FLG:0] Ekitongole ekitongole ekitongole ekitongole ekitongole ekitongole ekitongole kya 'Fluct:1] bwe kye kiwagira ekiba nti, era nga n'ebigattiddwamu ebiva mu n'ebiva mu n'ebyo ebivamu
Ebibiina by'abantu abaagala okuyiga bikola bingi
Ebibiina ebikoleramu abaddu ba gavumenti bye bimu ku ebyo ebikyasinze okubaamu ennyo enkaayana ezikwata ku ssente eza pensoni. Gavana agezaako okuzza empeyini ku buwagizi bamemba abagezaako okugootaanya empewo, baziyizibwa abagattiddwa abalwanirira obuwanguzi obuliwo. Wabula, bannabyabufuzi abayamba okubutuukiriza nga bataddewo obukulembeze bw'obukulembeze bw'obukulembeze bwa gavumenti, bakolagana bulungi n'okussaawo amateeka agabafuga, era bawangulira ddala obuwagizi bwa gavumenti nga bakolagana bulungi n'abawagizi b'omusoloo n'abawagizi b'omusoloooooooooo.
Okufaayo ku Bannabyabufuzi n’Akazibu Akayinza Okuvaamu
Okulongoosebwa kw'entambula kulimu akabi ak'amaanyi kubanga kulina eky'amaanyi kye kukyusa mu ngeri entegeke obulungi era n'okuyisa ebigambo. Gavana agezaako okuleetawo enkyukakyuka ez'amaanyi ayinza okuziyizibwa abakozi mu kulonda, ate abo ababuusa amaaso akabi ak'ennamba okuleka abasolooza ssente mu biseera eby'omu maaso nga balina omugugu ogutayinza kugwetaangusibwa. Ekiseera eky'enkyukakyuka ezikwata ku nkyukakyuka ezikwata ku nkyukakyuka mu nkyukakyuka mu by'obufuzi. Gavana akolera mu ngeri eyo nga basoose kutuukiriza muwere, baba n'ebiseera bingi okufuna emiganyulo egy'okufuuka bannakyewansi n'okuva mu by'obufuzi. Abo abeeyeeyamanguko okulekawo n'okuvaawo n'okukyusiza abakozi baabwe mu by'okusasula ssente zaabwe, era n'okuvanyuma kw'okweyongerayongerayongera ku bizibu by'enkyukakyuka eziba zeetaago eziba mu by'obukulembeze bwa bannannyini. Gavumenjanjaawe b'ebyawekyuganda ab'ebitongole abasinga obungi
Okunoonyereza ku Bukulembeze bw’Enjawulo
Gavana A: Enkyukakyuka Ezibaawo mu Nkyukakyuka era n’Okukangavvula
Gavana okuva mu ssemazinga wa bugwanjuba wa ssemazinga yayolekagana ne kampuni eya ddinanti 55 ku buli kikumi eyaweebwa ensalo ya ssente z'essaawa nga zirina okuwera obuwumbi 2. Gavana yawa essente eziwera okusobola okuzza obuwumbi bwa doola nga 40 ku buli kikumi. Gavana yateekawo ekiteesobozo eky'okukuzaamu abaweebwa okuva ku myaka 55 okutuuka 60 ku gy'abasibe abaakola nga abatali ba mu madde ab'omulembe gwe bamalako, ekikendeeza ebbeeyi y'enfissi 3 ku buli kikumi okukendeeza ku muwendo gw'essente ezisaahzibwa ku mulembezo ogwa bulijjo. Gavana era yateekawo ekyetaagisa amateeka agafuga essente ekyetaagisa mu mwaka ogugerekebeesa, ne kikugira amasomero g'eby'eby'ebyeyambisibwawo mu ku nkola y'eby'eby'ebyempewo, ebibadde biyamba okulongoosebwa mu nkola y'eby'eby'eby'eby’obukungu obutongole, ebiva mu ngeri y'obutongole eby'obu
Gavana B: Gavumenti Ekulaakulana era n’Enkyukakyuka Ezikoleddwa
Gavana okuva ku ttwale ery'oku nnyanja yakola enkola eyawukana, ng'assa essira ku miganyulo egiva mu kuwummula emirimu nga bw'anoonya engeri y'okulongoosa ssente mu nfuna. Gavana eyassawo amateeka okuzzaawo enkyukakyuka ez'amaanyi ezaalekebwa mu kiseera ekizibu eky'enkyukakyuka ya nkozesa ey'edda, yayamba ab'omulimu abamala emyaka egisukka mu 25, era n'ateekawo enteekateeka empya ez'okuwummu ez'okuwummula ez'amaanyi eri abakozi abaakola nga bannayo. Okukendeeza ku ssente ezibadde zigenda mu myaka egyaddirira, gaayimiririzaamu enzijizo ez'enkyukakyuka mu by'amaguzi ebyabanga bikolerwawo nga bitwaliramu n'okuddizibwa kw'eby'enteebbanja, n'okuddizibwa okw'amaanyi okuddizibwa kw'eby'entengo. Leewabo yavumbula ssente ezibadde n'abavumbuzi abawanjudde mu myaka egiddirira obulungi.
Gavana C: Okukuba Obucaase n’Okukwata Obutoffaali
Gavana mu bugwanjuba yakolera wamu enkola y'emu. Omuntu omunyazi yakolera wamu n'ajjanjabinja n'akolera wamu n'awaka abaddu ba bannakyewa, abawa b'omusolo, abakugu ku by'ensimbi, n'abakulu b'eby'amateeka. Omuntu oyo yawa abakungu essente ezisukka mu kkumi eya bulijjo essaagibwa awamu n'ebyambi ey'amaanyi. Omuntu omunyanjufu ey'enkola eyo yaweebwa nga 1 ku buli kikumi ku musaala buli mwaka okuva ku nteekateeka y'omulembendo ogw'enkola, nga bassawo 401(k) alipoota y'ebyo ebiva mu ssente z'abakozi 8 ku buli kikumi eby'omusaala. Ebbeeyambi eriwo yaggyibwa ku bannannyini abawa omulimu abappya naye nga bakuumiddwawo n'abateegonyisigibwa, nga balaga obuteesokero obutonotono obubavuzibwa mu ku ku kukolebwa mu kukolebwa mukir'enkola y'ebitongole ebitongole ebigo.
Obuzibu Ennyo bw’Oyolekagana n’Emitendera Egiyitibwa Ennimi ng’Egimu Egimenyeddwa mu Gavumenti
Obulimba n’Endowooza Ennuŋŋamu
Ebbanja lino liba nga livudde ku kunoonyereza okwakakolebwa mu kiseera kino n'okwongera ku ssente ezibadde ziweebwayo. Omugugu ogw'okusasula ssente n'okusasula ssente ezibadde ziweebwayo, guyimirizidwa ku muwendo gwa bannannyini ssente ezisabibwa obuwumbi obuwumbi 1.[FLT] obuwumbi 4.4] ngakasa obuwumbi obuwumbi obuwumbi obuwumbi obusukka mu obusukka mu kkumi bwenkanankanankanankana obuna n'obuwumbi obunene obwaka obusukka mu kivvuunvu eky'okusasula ebbanja enzijizo ze baawereza ebiva mu biseera eby'emabega n'ebbeetaandiro. Emirimu ku kigeraageranya nti ssente ezisabikolebwa tezirimu ssente ezibakibwawo mu mwaka gwa bulijjo, era nga n'ebbeeyinzivu ezo eziba nga zeyongera ku ssente ezisaawerera ebiseera eby'omuweentu ebibadde bibadde biramba.
Okunyigirizibwa mu Bulamu bw’Abantu n’Akabi k’Okuwangaala
Mu masekkati g'emyaka nga 10 Amerika gyolekedde okubeera mu bulamu mu kiseera kino, kwe kugamba nti abawummula bafuna emiganyulo mu biseera eby'obuwanvu n'ebyo ebyabanga bisuubirwa. Ekirango ky'abakozi abawummula emirimu kyakendeera okuva ku 3 okutuuka ku 1 mu 1980 okutuuka ku 1,5 okutuuka ku 1,0 mu sistemu nnyingi. Omuwendo guno ogw'abantu abawummula emirimu gutegeeza nti abagenda mu mulimu bakendeeza ku ssente ze basasula ssente ze basasula nga bwe zigenda mulala. Gavumenti amanyi ebiri mu bitundu eby'omuwerevu, ne byeyongera ku mirimu gyokka bisobola okukakasa nti omuwendo gwa sipiidi gwe gubalirawo ddala.
Obuteesiteesi n’Obusuubuzi Biddamu Okwenyumiriza mu Bantu
Ssente ezisinga obungi ezikozesebwa mu pensoni mu gavumenti zibalirira okuddiza emiwendo gy'awaawerera ddala 6.5 ne 7.5 ku buli kikumi buli mwaka, nga wayiseewo emyaka kkumi nga bagula ssente n'okugula ebizitowa. Bwe wabaawo okusaasaana kw'ebbeeyi, ebiteetaagibwa by'eyambisibwa byeyongera oba ebinoonyezebwa ebisaahzibwa. Ekiragiro ekitongole kya deseesitekiti kya desenti eya CHOID-1920 kyaleetera okufiirwa ekipimo eky'akaseera mu maduuka amangi mu nsi nnyingi, kyokka nga ate nga mu kiseera ekyo okutereezebwa kw'okuddizibwa kw'amaanyi ku by'oteeka mu n'okulongoosa kwa maanyi. Baganjawo bateekwa okukakasa nti okusasula obukkessi kw'emiwereerezi gy'ebintu eby'omumaguzi okusobozesa ebizigizibwa obukyasinze.
Engeri Ezisingayo Obulungi ez’Eby’Okukolamu n’Obulagirizi Obunaavaamu
Okutaangaala n'Okuvunaanibwa
Gavana bwe yenyigira mu kuwaayo empewo okugaziya obuwagizi mu kuteeka ssente za pensoni mu bantu abateeka ssente mu kampuni, era n'akakasa nti omuntu avunaanyizibwa ku ngeri gye yatuukirizaamu embalirira y'omulimu. Ekiragiro okusaasaanya lipoota ezimala obwakatemba kitwaliramu ebipimo ebizirimu nga bakozesa engeri ez'enjawulo ez'okupima ebipimo, okusasulira ebizirimu okusasulirako ebisalebwa n'okusasulira ebisalebwawo ebisalebwawo, era n'okugezesa ebigezo eby'eby'eby'enfuna eby'enjawulo kisobozesa abantu okutegeera embeera z'obulamu obwa nnamaddala mu nsi. Amerika nga South Dakota [[FLT] ne [FLT] droughton[F:3] tract] ebibadde ebibonerowo ebiteeso bino ebikozesebwa mu ggwanga.
Afuna Empuliziganya Ennungi
Okulongoosa kw'empaka kusinga okuvaamu ebibala singa abawagizi batandika dda era nga banyiikirira okukola. Gavana akola ebizingirwa mu mirimu egitali gimu, atuusa abakungu ba bameeri ku mirimu, era n'ategeeza butereevu abasolooza emisolo ku bwetaavu bw'okuleetawo enkyukakyuka mu by'obufuzi, ebinaayamba okuwanirira enkyukakyuka ez'amaanyi. Empuliziganya ey'ebiseera n'ensonga ezikwata ku ssente z'empewo, n'okukulaakulana mu by'ebiruubirirwa eby'embalirira by'ensimbi bikendeeza ku butuufu era bisobozesa okuwanirira enkola y'amalo.
Enkyukakyuka Ezikoleddwa mu Bufuzi
Ekimu ku bintu ebikulu ebikolebwa mu nkola ya pensoni gye buvuddeko awo kwe kukyusa engeri ezikola ku nkyukakyuka mu nkola ya pensoni ezikolebwa mu nkola y'amateeka ageetebwawo naye nga tebeetaagisa nkola yaazo. Enkola zino ziyinza okukyusa ebbeeyi y'embalirira y'ebintu ebikolebwako, engoye z'abakozi, oba ebiganyula ebikoledwa okusinziira ku kipimo eky'abawagizi oba emikutu emirala. Nga baggyawo obwetaavu bw'okugobererwa kw'amateeka, enkyukakyuka ezajjawo zireetera okukendeeza ku bizibu ebireetebwawo mu by'obufuzi era ne kyongera enneeyisa ezo. . Amawanga agakozesemba ezo zikoze ebiteeyambiddwa mu ku nkyukakyuka mu by'okusasula ebiva mu ku bizibu.
Ebitundu Ebirimu Obudde n’Ebizibu Ebingi
Enteekateeka z'eggwanga ezikola empewo egenda mu maaso okuva ku nteekateeka ezigobererwa ezikwata ku nkola za pensoni mu nsi ezigattika ebitundu ebigina ebisobola okuganyula n'okusobozesa enkola ezikolebwa. Abayingi bano bassawo akabi ku bakozesa ne bakozi baabwe, era ne basobozesa gavumenti okweyongera okumanyibwa nga zikola emirimu egitambula. Okukola emirimu gya pensola, emirimu gigatta awamu abakozesa abatono okufuna obukugufu mu by'obujja bw'eby'omulembe n'obukulembeze, nga kino kye kisobozesa abakozi abawagizi mu masaza okusuna okusujja essente eza pensoni mu masaza amatono agatayinza kuwagira entegeka zaabwe ezibaalimu. Gavana abanoonyereza ku mirimu egyo egy'okuwummula ebibayamba ab'emirimu n'abakungu okusobola okufuna ssente eza ssente zeetaagisa.
fundikira
Obukulembeze mu bifo ebya bulijjo kye kimu ku bintu ebifuula enkola y'okussaawo enzijanjaba y'eggwanga. Ebyo abafuzi bye basalawo ku bikwata ku ntegeka y'embalirira y'embalirira, okussaawo enkambi, okugattika ebitongole ebifuga n'okufuga bikakasa obanga empeyini zisobola okuwanirira, obutakyukakyuka, era n'okutuukiriza ebisuubizo eri abakozesa. Okunoonyereza kuno kulaga obanga abafuzi balina engeri ez'omuganyulo, okuva ku ku ku kukyusa mu by'enkola y'enkola n'okussaawo y'enkola, n'okussaawo entegeka ennongoosobiko. Enteekateeka eza bannaakyewaabitebe abafuzi abalungi beeyamyenyanyanya beeyamanjula okutuukiriza, nga batwala abawagizi mu by'obutebenkenkenkerevu, okukomya omulimu ogw'okugobeeyeeya mu by'amaguzi, okuleetawo okusoomooza, okuteekawo okuziganya, okuteekawo ensonga ez'obukulembeze, obukulembeze mu n'obukulembeze bw'obukulembezevubi mu mateeka obunene mu nsi z'ebyakyewamu.