NSSF ya Marekani si mali kitu...

Mu-Israeli

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Wana JF,
Nimesoma makala hii toka Yahoo kuhusu mfumo wa social security wa Marekani.
Hii iwe kama "wake up call" kwa wale wote wanaodhani kuwa watakuja kupata mafao mazuri uzeeni kwa kuacha mafao yao mpaka umri wa kustaafu kama wanavyodanganywa na SSRA na serikali.

Soma hapa chini:-
[h=1]Social Security not deal it once was for workers[/h]WASHINGTON (AP) —
People retiring today are part of the first generation of workers who have paid more in Social Security taxes during their careers than they will receive in benefits after they retire.
It's a historic shift that will only get worse for future retirees, according to an analysis by The Associated Press.

Soma zaidi hapa: http://news.yahoo.com/social-security-not-deal-once-workers-165327268.html

NB: Chukua mafao yako sasa, kaanzishe mradi wako, jiajiri.
 
Du ssra wakajipange upya na jinsi ya kupata fedha za kujiendesha na sio kwa kupiga pini hela zetu!! Irene aanzishe firm nyingine hata ya kusimamia mazao ya misitu na bahari kwani kuna ubabaishaji sana huko!
 
King Kong III said:
Du ssra wakajipange upya na jinsi ya kupata fedha za kujiendesha na sio kwa kupiga pini hela zetu!! Irene aanzishe firm nyingine hata ya kusimamia mazao ya misitu na bahari kwani kuna ubabaishaji sana huko!
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Ningependa sana kufahamu Irene Isaka anachangia mfuko gani wa pensheni. Maana kwa nchi hii jinsi inavyoendeshwa 'kimagamu', unaweza kukuta hachangii mfuko wowote ule wa pensheni !! Ningependa sana aisome article hii !!!
 
Mu-Israeli said:
Ningependa sana kufahamu Irene Isaka anachangia mfuko gani wa pensheni. Maana kwa nchi hii jinsi inavyoendeshwa 'kimagamu', unaweza kukuta hachangii mfuko wowote ule wa pensheni !! Ningependa sana aisome article hii !!!
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Yule kazi yake haimlazimishi kuchangia mifuko hiyo,hata kama anaichangia anaweza ku withdraw pesa yake hata akiwa bado kwenye ajira,kikubwa anachokifanya hapo ni kukopa fedha za walalahoi na kufanyia mambo yake
 
Social Security and similar programs are just glorified pyramid schemes.
 
Kiranga said:
We ushani label tatizo. Hujajua libertarian streaks run through my veins.
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Unajua Rick Perry called it a Ponzi scheme. Sasa Kiranga na Rick Perry on the same side of the issue?
 
Mu-Israeli said:
Ningependa sana kufahamu Irene Isaka anachangia mfuko gani wa pensheni. Maana kwa nchi hii jinsi inavyoendeshwa 'kimagamu', unaweza kukuta hachangii mfuko wowote ule wa pensheni !! Ningependa sana aisome article hii !!!
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Mkubwa wao hyo sheria haiwahusu,hadi wabunge,wanajeshi,viongozi wakubwa kitaifa haiwagusi kabisa,hizi sheria ni kwa ajili yetu walavumbi aka wavuja jasho!! Irene hata akichangia aki-resign tu leo kesho anakula mpunga wote na pension juu! Hawa Jamaa hawatakii mema wananchi wake bali wapo kuwalinda mafisadi na mitumbo yao tu!
 
Ndibalema said:
Ni majambazi tuu wanaojua wanafanya nini.
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Hakika, maana kwa mujibu wa taarifa ya mdhibiti na mkaguzi mkuu wa hesabu za serikali (CAG), NSSF iko hatarini kufilisika.

Soma nukuu hii hapa toka ripoti ya CAG:-

MFUKO wa Taifa wa Hifadhi ya Jamii (NSSF) uko hatarini kufilisika na kupoteza fedha za wanachama wake.

Hii inatokana na serikali kushindwa kurejesha katika mfuko huu, mabilioni ya shilingi iliyokopa au kudhamini katika miradi mbalimbali.
Kwa mujibu wa Ripoti ya Mdhibiti na Mkaguzi Mkuu wa Hesabu za Serikali (CAG) ya 2010/2011, fedha za wanachama, hata katika mifuko mingine ya jamii, ziko hatarini kupotea.

Mbali na NSSF, mifuko mingine inayotajwa kuwa katika hatari hiyo ni Mfuko wa Pensheni wa Mashirika ya Umma (PPF); Mfuko wa Wafanyakazi wa Serikali Kuu (PSPF), Mfuko wa Wafanyakazi wa Serikali za Mitaa (LAPF) na Mfuko wa Bima ya Afya (NHIF).

Kwa mwendo huu, afadhali kuchukua mafao yako mapema kabla ya ........
 
Nyani Ngabu said:
Unajua Rick Perry called it a Ponzi scheme. Sasa Kiranga na Rick Perry on the same side of the issue?
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Ukiangalia basic definition ya money flow ya Ponzi scheme na Social Security ni ile ile.

Ila moja imebarikiwa na serikali, nyingine haijabarikiwa.

Rick Perry mchemfu lakini haina maana kila anachosema pumba. Wamarekani washakunywa sana maji ya Roosevelt kwa miaka mingi kwa hiyo ni natural kwao kuwa na mgawanyiko katika hili.

Kama si Ponzi scheme wangewapa watu uchaguzi wa kutochangia tuone kama isingeanguka.

Mimi napenda Social Security system iwe optional, watu wakiona ya kijinga wanatafuta an alternative.
 
King Kong III said:
Du ssra wakajipange upya na jinsi ya kupata fedha za kujiendesha na sio kwa kupiga pini hela zetu!! Irene aanzishe firm nyingine hata ya kusimamia mazao ya misitu na bahari kwani kuna ubabaishaji sana huko!
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Sheria hii ya SSRA ikiachiwa itumike hivi hivi, SSRA na serikali watakuwa wanacheza na umri wa kustaafu.
Kila wakiona wanataka kukwapua pesa kutoka mifuko hii ya pensheni, watakuwa wanaongeza umri wa kustaafu ili watu wasichukua mafao yao.
Mfano ni huu hapa chini:- Watanzania tupo hapo !!!

[h=2][SIZE=+3]SOCIAL SECURITY[/SIZE][/h] [h=1]Fact Sheet[/h] [h=3] [SIZE=+2]Social Security[/SIZE]

 [/h] [SIZE=+1]Increase in Retirement Age[/SIZE] The Social Security Amendments of 1983 (H.R. 1900, Public Law 98-21) contained two provisions which may have an impact on when an individual decides to retire. The two provisions are an increase in the retirement age that can first affect individuals retiring in 2000 and an increase in the delayed retirement credit for those who work beyond full retirement age.

Increase in Retirement Age


  • For persons born in 1938 or later, their Social Security benefit may be affected by a provision that raises the age at which full Social Security benefits are payable.
  • The age for collecting full Social Security retirement benefits will gradually increase from 65 to 67 over a 22-year period beginning in 2000 for those retiring at 62.
  • The earliest a person can start receiving reduced Social Security retirement benefits will remain age 62.
Increase in Age for Receiving Full Social Security Benefits
 
Ni kweli mifuko hii ina mfumo karibu sawa tu na ponzi schemes. Balaa linaanzia pale wastaafu wanapokuwa wengi kuliko wanaochangia mifuko! Na hilo linawezekana. Kwa Tanzania ni rahisi ku-"Manipulate" sheria kwa kupunguza mafao na kuondoa mengine (Wameshaanza hilo la pili). Lile la kwanza halina maana kwa Tanzania kwani mafao yanayotolewa ni sawa na bure.

Badala ya mifuko kuwekeza katika biashara zinazolipa haraka kama "telecommunications", mifuko ya Tanzania imejikita katika majengo ambayo kurudisha kwake ni kwa pole pole mno (miaka hamsini na zaidi). Sasa katika hali kama hiyo mifuko hii ni rahisi sana kuanguka hata kabla walipwaji hawajawa wengi kuliko wachangiaji, sababu fedha nyingi inakuwa imenasa katika raslimali zisizolipa.

Ukiangalia matatizo ya kiuchumi ya mwaka 2008 inathibitisha kuwa uwekezaji katika nyumba nao una hatari (risk) sana. Thamani ya nyumba inaweza kushuka vile vile. Uwekezaji wa aina hii hauwezeshi mifuko kupata faida ya kutosha kuwalipa wastaafu; hasa pale wanapokuwa wengi kwa sababu ya kuboreka kwa hali ya afya ya watu na kuongezeka umri wa kuishi.

Fedha tunazochangia mifuko ni sawa na kodi tu serikalini. Siku ukistaafu unabaki omba omba vile vile. Haina maana kabisa sababu kodi hiyo ni kubwa sana. Wanachama wangepewa uhuru wa kuamua fedha hizo waziwekeze wapi, wanachama wengi wangenufaika na mifuko hiyo kuliko ilivyo sasa!
 
wezi wakubwa hawa
kwanza Jana naona kama Lukuvi na Mheshimiwa Pinda hawakufurahia huo mswada kupitiwa upya kwa marekebisho
 

please weka mambo sawa, hii ni mambo ya SSRA au NSSF za marekani? hii mifuko bwana naona inacheza na life expectancy za watu, kwa kuwa wanajua hautafika huko 60s basi automatically hakuna wa kupata kitu na hela zote zinabaki kwao, hata kama mrithi wako atajifanya kufuatilia basi siku ya siku fomula inaweza kugeuzwa...kazi kweli kweli
 
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