Musi waGumiguru 18, mubvunzo wekuti "Uri kunetseka here nezve kuderedzwa papenjeni yako?" wakaonekwa paThailandblog. uye pakanga paine nhamba huru yemhinduro dzakasimbiswa kwairi. Nehurombo, hapana zvikonzero zvakapihwa nei muverengi achifanira kunetsekana ndosaka ndichipa tsananguro yakadzama yezviri kuitika mupiro uyu.
Kune rekodhi, ndinoda kukuzivisai kuti ini zvechokwadi handisi nyanzvi yepenjeni uye ndisati ndaongorora ini saka ndinoda kukuudza kuti kuongorora kwangu hakuna nyanzvi zvachose, haina kukwana, haina kukodzera uye, zvakare, yakanyura mukurangana kufunga. Ndosaka ndichitenda mhinduro dzese panhaurirano iyi, asi ndinokumbira kuti musimbise mhinduro dzenyu kuitira kuti munhu wese adzidze kubva kwavari.
Iyo inonyadzisa nzira iyo iyo (policy) yemari yemari yemari yepenjeni (PFs) inoverengerwa
Mumupiro wangu kumubvunzo waGumiguru 18, ndakatsanangura maverengero ekuvhara (assets/pension liabilities * 100%) anoverengerwa maPFs. Unogona kuzviverenga zvakare pano:www.thailandblog.nl/expats-en-pensionado/pensioen/kortingen-pensioen/ . Kubva muna 2015, maPF anoshandisa izwi rekuti "policy funding ratio", inova avhareji yemari reshiyo pamusoro pemwedzi gumi nemiviri.
Mupiro wangu wakataura kuti zvikwereti zvemudyandigere zvinoiswa zvakanyanyisa kukwira nekuti hurumende inoraira yakaderera mubereko wemubereko uye kuwanda kwekuwana zvinhu kunofuratirwa zvachose. Pawebhusaiti www.gepensionerden.nl Iwe uchawana iyo "yekuongorora chishandiso 2014" pasi pezvinyorwa uye kubva pane izvi unogona kuverenga kuti angangoita makumi masere PF akashandisa avhareji actuarial mubereko we80%, nepo mugore rimwe chete kudzoka pakudyara portfolio yaive 1.89%.
Zvichida iwe zvino uri kutaura kuti 2014 yakanga isiri gore revhareji uye ndicho chikonzero ndiri kukupa muvhareji wehuwandu hwekutsvaga mari pamusoro pe1971-2014 yePF Zorg en Welzijn iri 8.7% uye yeABP munguva ye1993-2014 iri 7.5 %. Zvichida haunditendi uye naizvozvo chinongedzo kune tsamba kubva kuKNVG yaSeptember 9 kuna Mai Klijnsma nemashoko aya. Tsamba iri zvakare nezve kudzoreredza iyo indexation maonero: www.gepensionerden.nl/
Nepo zvikwereti zvepenjeni zviri kuwedzerwa kusvika pazvisati zvamboitika nekuda kweiyo yakaderera actuarial mubereko, mari yekuwana zvinhu haina kufuratirwa zvachose. Hazvaigona kuwana chero crazier, ingadaro?
Vari pamudyandigere vave kusiya mari yepenjeni yevechidiki
Ehe, inogona kutowedzera kupenga! Hauna here kuverenga kwese kuti vechidiki vanonzi vanobhadhara chembere uye kuti hari dzepenjeni hadzina kana vadiki vaenda pamudyandigere? Yokutanga ingano uye zvinopesana zvinoshanda. Yechipiri inongova chikamu chechokwadi, asi izvi zvinokonzerwa nehurumende iripo, paramende yedu yeuranda, benzi uye kusarongeka kwevashandi varipo. Zvimwe pamusoro pazvo gare gare!
Unoziva here pfungwa ye "yakanyoroveswa mutengo-inovhara premium"? Iyi imari yepenjeni yakadzikira pane inobhadhara mari inobhadharwa nevashandi nevashandirwi nokuda kwechisungo chepenjeni chinomuka mugore ripi neripi. Nemari yekubhadhara mari, yakawanda inoiswa zvekuti chisungo chepenjeni chinobva chavharwa uye chiyero chinoramba chiri padanho rinodiwa. Nemari yakavharwa-inovhara premium, mari inobhadharwa inoderedzwa nekuwedzera zvinotarisirwa maringedzo - kuburikidza nehuwandu hwemhindu hwemusika. The actuarial interest rate inoverengerwa zvisungo zvepenjeni hazvishandiswe, asi mubereko wepamusoro wemusika. Saka zvishoma zvinowedzerwa kumidziyo pane kuwedzera kwezvikwereti zvepenjeni uye nokudaro zvinoderedza midziyo uye kuvharwa kwehuwandu hwemari yepenjeni.
Muchokwadi, kune kuderedzwa kwekutanga pamibhadharo yepenjeni inofanirwa kubhadharwa nevashandi nevapeji, uye nekudaro, kuderedzwa pazvisungo zvepenjeni yevari pamudyandigere nevashandi zvichave zvakakosha mune ramangwana kubhadhara midziyo yakarasika. Nenzira iyi, vakwegura (vanodya penjeni) vanobhadhara mari yevaduku (vashandi nevakuru vavo). Mukati menguva ya2010-2015, kuderedzwa kwakasvika 28%, kana maererano nemari inoda kusvika 40 bhiriyoni, kana 3% yehuwandu hwehuwandu hwemapoinzi. Uye iwe unoziva here kuti ndiani anopa yakanyanya kuderedzwa maererano nemari? Hurumende yedu pachedu nehomwe yayo yepenjeni yeABP yevashandi vehurumende ine mutengo wakaderera weEuro 881 miriyoni. Ungada here kuverenga zvakawanda nezve cushioned cost-covering premium? Wobva watarisa pano: www.gepensionerden.nl/Brief_CSO-KNVG
Masangano evari pamudyandigere anosimudza kusarongeka uku neMunyori weNyika uye Imba yeVamiriri, asi kufarira kwehurumende kukwidza mitero yakawanda kuburikidza nemipiro yepenjeni isingabviswe uye kukosha kwepurofiti yakakwira munharaunda yebhizinesi zvinoreva kuti iwe semudyandigere unobhadhara bhiri. .
Mutemo mutsva wepenjeni uye shamwari dzako ndivanaani?
Pakupera kwa2014, paramende yakagamuchira mutemo mutsva wakatanga kushanda muna 2015 uye inonzi "New Financial Assessment Framework". Pane mitemo mitsva yakawanda mairi, asi ndiri kuita "cherry picking" nekusimbisa mashoma. Kuti uverenge zvisungo zvepenjeni, maPF anofanirwa kushandisa inonzi UFR (Ultimate Forward Rate) yezvisungo zvinodarika makore makumi maviri. Izvi zvakatanga kusvika ku20% uye zvakaderedzwa kusvika ku4.2% yePFs muna July neDutch Bank. Mainishuwarenzi anogona kuenderera mberi nekushandisa iyo yakakwira UFR uye nekudaro inoda kuchengetedza mashoma ekuchengetera maPF. Ini ndinofungidzira mhedzisiro yeUFR pachiyero chekuvhara kwePFs kuve nekushomeka nekuti zvisungo zviri padyo nenguva yekuyerwa zvinongotakura huremu hwakawanda uye iyo yakaderera mubereko inoramba ichishanda.
Chimwe chiyero ndechekuti kana paine kushaikwa kwemari (yevhavha yechikamu isingasviki 105%), kucheka kunoda kuitwa zvishoma nekukurumidza. Nguva inogamuchirwa yekuvhara yakawedzera kubva pamakore matatu kusvika mashanu uye zvidzikiso zvino zvinofanirwa kuparadzirwa mumakore gumi uye zvinofanirwa kuongororwazve gore rega rega. Zvakare, iyo Mandatory Equity (VEV) yakawedzerwa neinosvika 5% uye yave pakati pe128% ne135%. Iyo chaiyo VEV inoenderana nekuumbwa kwemidziyo muPF. Kana chiyero chemari yepolicy chakadzikira pane VEV, PF inogona kungoratidza zvishoma. Muganho wakaderera weindexation wakawedzerwa kubva pa105% kusvika 110% uye pachikamu chimwe nechimwe chepurojekiti yemari reshiyo pamusoro pe110%, PF ingangoshandisa 0.1% ye indexation. Saka tomboti PF ine Policy Funding Ratio ye120% uye wedzero yemuhoro inosvika 2%, then PF inogona index (120% -110%)*0.1 = 1%.
Ini ndinofungidzira kuti Munyori weHurumende, Mai Klijnsma, vakatumira mutemo kuParamende netsananguro, asi ndinotora rusununguko rwekumuitira izvozvo zvakare ndozofunga nezvechokwadi:
"Vanodiwa nhengo dzeSeneti uye House of Representatives. Tichifunga nezvehurongwa hwehurumende hwekuwedzera purofiti yebazi rakazvimirira pamwe nekuwedzera mari yemutero wehurumende uye tichifunga nezvekuti vakweguru (65+) muNetherlands ndevamwe vevanhu vakabudirira kwazvo (ona, pakati pevamwe, SCB 2012 report ) Ndiri kukutumirai Mutemo pane itsva Financial Assessment Framework. Pasi pemutemo uyu, maPF haachakwanisa kuita kucheka nekukasira kana paine kushomeka kwemari uyezve, kuderedzwa uku kuchapararira mumakore gumi.
Hurumende inoona zvakakosha kuti maPFs agadzire mari isingaenzaniswi inosvika makumi matatu muzana pazvikwereti zvemudyandigere uye kuti izvi zviitike sarudzo yekunyoresa midyandigere yakaganhurirwa zvakanyanya kune iwo maPF ane defisiti (yekuvhara yakaderera pane VEV). Sehurumende, ticharamba tichikurudzira mutemo wekubvisa mari dzekubhadhara mutero kuitira kuti mihoro yemitero irambe yakakwira uye kuti mari yemutero irambe yakaderera. Nekuda kwekuti muna 30 2014% yevanodya penjeni vaive nehomwe dzepenjeni ine VEV yaive yakaderera, ndinogona kukuvimbisai kuti indexation restriction inovhara vangangove vese vanodya penjeni.
Tichifunga nezvekuti hupfumi hweDutch, seJapan, hwasvika pakudzikama, mari yemudyandigere icharamba yakafanana kweanenge makore gumi kusvika makumi maviri, asi vanogona kuramba vachiwana penjeni yakagadzikana. Izvi ndezvechokwadi pakufungidzira kuti isu hatizoteresi iyo AOW. Hurumende haitarisire matambudziko makuru kubva munzanga nekuti maitiro acho akafanana nekuvira matatya (musaakanda mugango kana mvura ichivira, asi kupisa mvura inotonhora kana matatya atovamo) uye vakwegura vane zvishoma. mukana wokudzivisa . Tine zvakare dura rakakosha rekuchengetera matsamba kubva kune vakwegura uye vatsigiri vevanodya penjeni. Chekupedzisira, ndinoda kutaura kuti bhiri riripo riri kuenderana nemutemo wekuisa vakwegura kumashure kwevashandi.
Nderipi mapato ezvematongerwo enyika ari mudare reVamiriri akavhotera uye nderipi rakavhotera? Vakavhota vaitsigira VVD, PvdA, D66, Groen Links, SGP neChristian Union. Vakavhota vachipikisa vaive 50plus, SP, CDA, PVV neParty for the Animals. Ini pachangu, ndinofunga kuvhota ndichifarira PvdA ndeimwezve kuratidzwa kwebato iri. Iwe zvino wave kunzwisisa here kukodzera kwangu kweparamende, benzi, paramende inobvumirana nezviyero zvinokanganisa zvakanyanya boka rakakura, risina njodzi, risingachinjiki revanhu?
Kana uchida kuverenga iwe pachako maitiro ekuvhota, enda ku: www.loonvoorlater.nl/nieuwsbericht/stemwijzer-keuzeen-18-maart-2015.aspx
Vechidiki vanozowana penjeni yakaderera zvikuru
Pandakanga ndava nemakore 23Ste Ndakatanga kushanda, ndaifanira kumirira mamwe makore maviri ndisati ndapinda muhomwe yepenjeni uye kuunganidzwa kwepenjeni yangu kwakaitika kubva pazera ramakore makumi maviri nemashanu.Ste kusvika ndava nemakore 65Ste. Saka kuvaka kwacho kwaive kwapfuura makore makumi mana nechinangwa chekupedzisira cheAOW + yepenjeni yekuwedzera yakaenzana ne40% yemuhoro wekupedzisira. Mubayiro wawakawana wekupedzisira wakazotsiviwa nemusimboti wemuhoro wakaderera. Kubhadhara mipiro yepenjeni kunoderedza mari yemutero pamutengo wepamusoro (bhokisi 70) uye,zve, mari yepenjeni yakawedzerwa haibhadharwi mubhokisi 1. Uye pakurega, kubhadhara kunowanzoitwa pamutengo wakaderera weIB. Munzwa muhurumende uye muna 3 dare reparamende rakadzikisa zvakanyanya chikamu chinogona kuiswa parutivi pasina mutero wepenjeni. Chikonzero cheizvi chaive chekuti munhu wese anofanirwa kushanda kwenguva yakareba uye saka anogona kuchengetedza pamudyandigere kwenguva yakareba, asi kufunga chaiko kuri kuwedzera mutero uye kuwedzera purofiti yemakambani.
MaPF akagadzirisa mitemo yavo zvichienderana uye homwe yangu yepenjeni ikozvino inobvumira vanhu kuvaka penjeni kubva pazera re18 kusvika pazera re67. Vechidiki vari kutevera HBO kana dzidzo yekuyunivhesiti uye zvichida vanodawo kufamba nenyika kwegore kana kupfuura havangambovaki mudyandigere wakazara zvakare kuburikidza nekutora chikamu muhomwe yepenjeni uye kutanga nemukaha wemakore mashanu kusvika gumi. Wedzera kune izvi kuti nhanho yekurongeka kwevashandi vese uye yevechidiki kunyanya ikozvino yakaderera zvekuti zviri kuramba zvichiomera masangano evashandi kuita basa ravo sevamiriri vevashandi (vadiki). Vechidiki vanogona kuzvichengetera penjeni yavo pachavo kana kutenga zvekubhengi uye/kana zvigadzirwa zveinishuwarenzi semunhu mumwe nemumwe, asi nhoroondo yekubiridzira nyaya dzemitemo uye dambudziko rekubhanga ra2008 harikurudzire. Kana iwe uine tariro kupfuura ini, ndingakurudzira here bhuku "Ichi hachigone kuva chokwadi" naJoris Luyendijk kana zvirinani kuona iyo documentary "Mukati basa" kubva 2010?
Izvi nezvimwe zvinhu zvinorevei kwauri mune kongiri mazwi?
Pakuverenga kwangu, ndinotora penjeni yeABP ye1000 € pamwedzi uye iyi inopedzwawo pamwedzi. Uyezve, ndinofunga mamiriro ekutanga ehuwandu hwemari yemari ye99.7% pakupera kwe2015 uye kukura kusvika ku128% muna 2027. ABP zvechokwadi yakanga ine purogiramu yemari ye2015% pakupera kwaSeptember 99.7 uye yakaratidza zvakadaro. kukura kusvika 128% pakupera kwa2027. Neraki, hapana chikonzero chekucheka nekuti iyo 104.2% muganho hauzodonha pasi peiyo 110% muganho kwemakore mashanu akateedzana. Chete pamusoro pe2021% inogona kushandiswa mugore rinotevera, kekutanga muna 1001.49 uyezve mari yako inokwira kusvika ku2027 €. Pakupera kwa1061.45, mari yaunowana ichange yakwira kusvika ku1268,24 nekuda kwe indexations, asi pasuru yako yekushandisa yakwira kusvika pa €20, zvichireva kuti unenge warasikirwa nekutenga simba rinosvika makumi maviri muzana.
Nekuda kwehurongwa hwehurumende hwazvino, zvishoma zvakauya zveiyo yakavimbiswa-yakatarwa-yakakosha (kwete budiriro-yakagadziriswa) penjeni, uye handiti mitero yatowedzerwa kune vanhu vane makore makumi matanhatu nemashanu zvichikwira muna 2015? Tine tarisiro yekuti paramende ichapengenuka uye kusimudzira zvido zvevari mudyandigere.Ona maverengero ari pasi apa.
Mamwe masosi edzidziso
Kana iwe uchida kuzvitungamira mberi, ndapota tarisa kune anotevera mawebhusaiti: www.pensioenleugen.nl, www.gepensionerden.nl, www.uniekbo.nl, www.pcob.nl en www.anbo.nl uye ziva kuti ndiani achamiririra zvido zvako muparamende.
Rembrandt van Duijvenbode
Ndinoshamisika kuti sei zvisingaite kukwevera pfungwa kune iyi dingindira muhurukuro kana hurukuro chirongwa paDutch TV. BV "mushambadzi MAX". Kazhinji pane vanhu vezera repakati nepakati vakagara patafura ipapo.
Pasina mubvunzo zvichave zvinonakidza kunzwa maitiro evanhu vachasangana nazvo munguva pfupi, kana vangave vatokanganiswa nazvo ...
Ndinovimba kuti kurasikirwa kwemari hakuzoendi kusvika pari zvino zvekuti vakasiya basa havachakwanisi kupedza nguva yechando kunze kweEU. Kana izvozvo zvikaitika, ivo vachava varanda ve (R) hurumende.
Chinyorwa chikuru kubva kunyanzvi. Panyaya yesimba rekutenga, penjeni yangu yehurumende yakaderera gore rega rega kubva muna 2007 nekuti mari yakabhadharwa inoramba yakafanana. Ikoko kunoitwa gore negore, mitero mitsva nemitemo inoshandiswa panguva imwe chete, izvo zvinobvisa indexation. Kuwedzera kunouya iyo
hurumende nematanho anoremedza kune vanodya penjeni yehurumende nekuti "havachatora chikamu muhurongwa hwevashandi". Matauriro anodiwa emumwe Pechtold/D66 anotenda kuti AOW vanotambira penjeni ndeveboka rinofanirwa kurangwa nekutandara nekudhirowa mabhenefiti. Nguva iri kuuya yekuti vanhu vese vakwegura vanongowana penjeni yehurumende vachangowana mavhocha echikafu kumabhanga echikafu nekuti mari inobhadharwa mushure mekubviswa kwemitengo yakatarwa haisiye mukana wekutenga chikafu. Nekutenda kune PvdA uye D66.
mutambo unoshamisa uye handifungi kuti kana shoko rawo manyepo.Upenyu mutambo wetiyeta uye vatambi vepamusoro vanogona kuwanikwa mune zvematongerwo enyika. Ruzhinji rwevanhu vechiDutch ruchamuka riini uye ndinoshamisika kana zvidimbu zvichaendeswa zvakare zvichiratidza kuti hapana imwe nzira nekuti maDutch ari kuchembera uye haasisina mari, saka zvakakodzera kuti vakwegura vachabhadhara mari yacho. .ingori mushonga uye ndiko kuramba kuri mukati mezvinobvira zvemutemo hongu nekuti mhirizhonga haigadzirise chinhu. Sarudzo dzekutanga, hongu, uyezve kusatendera mazuva mazhinji ekusununguka ebato nebato kuti varombo vatonge. Kwete kunyange D66, nokuti inoda kuwedzera zera rekurega basa zvakanyanya. Pane mari yakawanda yekushandisa pazvinhu zvisina kunaka here? Tave nenguva tiri pabhenji uye yave nguva yekusimuka. Sosaiti yave nzanga yega yega uye inofanirwa kuve yakanyanya kushamwaridzana. Iyo polder modhi, hurongwa hwepenjeni, dziviriro yemafashama - aya aive anokosha munharaunda yedu uye zvinoitika kwavari. Muchangoverenga nyaya yekuparara kwepenjeni yedu. Vanhu vechiDutch vanorara zvakanaka uye vanomuka vaine hutano mangwana /
Tsanangudzo yakajeka Rembrand.
Mapato ezvematongerwo enyika ari kutungamira ari kusiya vanhu vari mudyandigere.
Dmv. Nemarudzi ose ekuoma kwezvinhu, chidzitiro cheutsi chinoiswa, izvo zvakaoma kuti munhuwo zvake atevedzere, kunze kwekuti mutemo une njodzi uri zvishoma nezvishoma asi zvechokwadi unowedzera kuoneka mukurasikirwa kune njodzi kwesimba rekutenga.
Taive nemapolicy ekubira, ipa chikara zita... kubira mapenjeni.
Rombo rakanaka mose.
NicoB
Ini ndinofunga munhu wese ari kudzikisirwa: ivo vakasiya pamudyandigere, avo vanotarisira kana vanotarisira kuenda pamudyandigere munguva pfupi, uye vadiki. Ndinofungidzira kuti ndinogona kuramba ndichishanda kusvikira ndava nemakore 70+ pasina kana chinhu mupenjeni yehurumende nepenjeni. Uye chii chaungaita nezvazvo? Kwete zvakawanda, ndakaverenga tsamba kubva kuhomwe yangu yepenjeni seruzivo - kwaunotoziva kare kuti inhau dzakaipa -, haugone kuita chimwe chinhu nazvo zvakadaro. Kungovaka poto iwe pachako, asi izvo hazvisi nyore kana uine mari yerupo. Saka ndinogona kungofungidzira kuti inenge yave nhamo chaiyo kana ndave mudhara, zvino inogona kunge isina kunyanya kuipa. Uye ngatione kuti tichachembera here, saka tora zuva.
Wadiwa Rob,
Unorevesa kana uchiti munhu wese ari kudzikisirwa. Ichowo chikamu chegwaro, patsanura uye ukunde. Ukapesanisa vechidiki nevakuru ukaita kuti tarisiro yacho isanyanya kunaka, ukanyengetedzawo vanhu kuti vasapinde muzvirongwa zvepenjeni. Kunyanya vechidiki, vazhinji vavo vasingaone kunze kwemhino dzavo. Iyo pension system ichiri yeramangwana-humbowo nekumwe kugadzirisa uye kwakawanda kuedza kunoda kuitwa kuti izvi zviitwe. Kumirira zvichauya inzira yakaipa, nekuti ipapo sarudzo dzinoitirwa uye nezvako. Ipapo unogona chete kugutsurira hongu uye ameni. Muupenyu hwangu hwekushanda ndakaendesa gakava revashandi vehurumende kumatare katatu ndikakunda nyaya dzose. Nyaya yekupedzisira yakatotora makore manomwe kusvika paCRVB. Kutenda mune zvakanaka uye kutsungirira ndizvo zvinhu zvakakodzera. Kune zvakare mazuva ekubvunzana kuhomwe dzepenjeni uye maonero anogona kugoverwa. Kana ukaramba wakavhara muromo wako, hauna kodzero yekutaura. Kuita sarudzo dzakakodzera dzezvematongerwo enyika kuchiri kugoneka, kunyangwe hurongwa hwedu hwegutsaruzhinji huchifanira kuvandudzwa.
Kubasa kwangu takati kune mumwe nemumwe makore makumi maviri-20 apfuura: hurumende haina kuvimbika, zvichengete iwe !!! Ita shuwa kuti une imba yako inobhadharwa kana wava nemakore makumi matanhatu nemashanu, ita shuwa kuti une capital self-managed capital zvekuti unozopedzisira wave ne25 euros yekuwedzera pamwedzi. Zvichida (zvichiri) imba yechipiri yaunogona kurenda (ok, haisi yemunhu wese).
Kwete kuti vezvematongerwo enyika vakashata, pane zvinopesana, vazhinji vezvematongerwo enyika ndevanofungidzira (vanhu vanoti vashumiri nezvimwewo vanozadza homwe, ndinoti kwavari, izvo hazvisi chokwadi uye kana muridzi wemba ari, anovimba nevaenzi vake), asi ' Vanofanira kushandisa mari yakawanda, vakavimbiswa uye kupa vanhu lollipops dzakawanda. Zvese izvi kuitira kuti vavhoti vawane mari. Uku ndiko kukanganisa kukuru kwedemocracy ...
Margaret Thatcher akazvitaura zvakajeka, kuti: “Chinetso chesocialism ndechokuti unopedzisira wapererwa nemari yevamwe vanhu.”
Hupfumi hwepamusoro hwemunhu wese hwava kumashure kwedu.
Hongu, chokwadi, simba rekutenga revakasiya basa richadzikira zvakanyanya.
Isu isu, muno muThailand, tingasazviti tine rombo rakanaka kuti kunetseka kukuru kwemari kunotipfuura?
Isu hatina mutero wemumugwagwa, mutero wepolder, mutero wemarara, mutero wezvivakwa, nezvimwe, nezvimwe, uye bhiri redu regesi harina basa. Vazhinji vedu hatibhadhare rendi kana mortgage pano futi. Saka iwe unogona kufunga zvakachengeteka kuti iwe unotanga neinenge € 1.000 pamwedzi, = bhenefiti kana ichienzaniswa nevakasiya basa vanogara muNetherlands. Nguva pfupi yapfuura ndakatarisa izvi nemumwe waanozivana naye muNetherlands ane penjeni yehurumende uye mudyandigere muduku zvikuru. Iye achawana imwe subsidy yerendi, asi izvo zvakare zvichabviswa.
Zuva richiri kupenya pano (inenge) mazuva ese uye tembiricha haitombodonha pasi pe30 degrees.
Nekuda kwekuti haudi (yechando) zvipfeko, unogona kunakidzwa nekudya kunze nhamba yakanaka yenguva.
Parizvino, ngatirambei tichinakidzwa nezvatinazvo tose.
Saka muchidimbu: hurumende zvakare yave kungoba kubva muhomwe dzedu dzepenjeni. Uye panguva ino kwete kamwe chete, asi maitiro.
Yakatsanangurwa yakajeka. Asi ndiyo mutemo wakakosha uye pasina imwe nzira inoshanda 🙂
Kare, takagamuchira cigars kubva kubhokisi redu kubva kune vedu vanoita mitemo.
Nekuda kwezviyero zvemitemo zvakaita seizvi, kune kuwedzera kwekuziva pakati pezvikamu zvakakura zvevanhu: “L'état c'est moi”.
Kutenda kune iyi mutemo, munhu wese wepakati wechiDutch, kunyangwe ruzhinji, anogona pakupedzisira kunzwa saLouis wechigumi nemana. Vese Louis XIV, kushamwari Sun King, mune mvura uye inotonhora frogland 🙂
Izvi zvinoshandawo kune veBelgians, kunyangwe akasiyana akasiyana masisitimu epenjeni.
Mumakore achangopfuura, vezvematongerwo enyika vedu vakanyatsofemerwa naJoseph Caillaux, Gurukota rezvemari reFrance muna 1907: « Faîtes payer les pauvres! Kana iwe wakapfuma, unokwanisa kutsigira kushaya simba mumba mako, asi iwe unokwanisa zvakare kutaura zvakawanda nezvazvo ».
Yakanga isiri masanga kuti murume wacho akazozivikanwawo (ane mukurumbira wakashata?) nokusuma nheyo yemutero wemari.
Wadiwa Mark,
Hupenyu ndehwekuita sarudzo uye hurumende iri kuita sarudzo dzisiridzo. Basa ravo nderekutonga nyika zvakanyanya sezvinobvira kune maDutch nevamwe vagari, uye izvo zvinosanganisira vanhu. Zvechokwadi kune dzimwe nzira, asi iwe unofanirwa kuita sarudzo dzakasiyana. Unofanira kugara kure nepenjeni nepenjeni yehurumende, hazvina kumbotengwa pasina. Mari yemutero inogona kushandiswa kamwe chete. Chikamu chakakosha chehuwandu hachisi kuteererwa zvakakwana uye vari kutora mukana weizvozvo. Zvirevo zvishoma zveFrench zvinogona kuita chero chinhu pamusoro pazvo. Iyo bogus democracy muNetherlands inoda kuvandudzwa. Nenzira, vanhu veDutch vachiri kupiwa cigars kubva mubhokisi ravo. Izvi ndizvo zvakaitika nguva pfupi yadarika nechibvumirano chekushanda pamwe chete nemapurisa. Uyewo zvakaitika kuti ane chokuita nepenjeni. Iyo bhegi yematinji ichiri kushandiswa. Uye kuti French zuva mambo haasi iye hunhu anopopota mukamuri imwe neimwe yekugara kwake uye anoisiya ipapo kuti anakirwe nazvo, ini handidi kufananidzwa nazvo, ndinokutendai netsitsi.
Yakanyorwa zvakanaka Rembrand! Asi iwe unogona zvakare kuzvitarisa nenzira yakati siyanei:
Makumi emakore apfuura, gilder yega yega yakashandiswa nehurumende yaiunza magilder mashoma mukukura kwehupfumi. Iye zvino euro imwe neimwe inongoburitsa chimwe chinhu pahurongwa hwedhiri. Mipiro yepenjeni yatinobhadhara/yatakabhadhara inodzoserwa kushandiswa. Mari yepenjeni (inosungirwa) inokweretesa chikamu chikuru cheizvi kuhurumende. Nekudaro, ivo havacha shandisa mari yakakweretwa zvakare mukudyara asi yekushandisa. Uye handizvo zvazvakarongerwa. Mhedzisiro yacho ndeyekuti isu hatichawanazve mari iyoyo yakazara, nekuti izvo zvinosuruvarisa hazvigoneke nekuda kwemutemo wehurumende yedu. Izvi zvinoitwa nemanomano nekuchengetedza mitengo yembarero yakaderera pane inflation (apo mari dzemudyandigere dzichishanda chete kana mari dzemubereko dzakakwira zvishoma muzana pane inflation). Kana kuti zvinoitika kuburikidza nekubhuroka kwehurumende (hazvigoneki? Sezvineiwo kwete) kana kuburikidza nekuiswa kwemutero unokosha kune, semuenzaniso, kubatsira vapenjeni vari munyika dzine urombo euros nekuti ivo vane kunyange kushoma kwekudya kupfuura isu. Nekudaro zvinoitika, chakakosha ndechekuti simba rekutenga revakasiya basa richaramba richidzikira kwemakumi emakore ari kuuya. Vakarega basa nokudaro vachafanira kuchengetedza iye zvino kuitira gare gare, pasinei nokuti vanodya zvishoma sei. Nokuti zviri kuramba zvishoma. Uye zviri nani kuti usaisa mari iyo mubhangi, asi kuisa mugoridhe, somuenzaniso. Nekuti goridhe rinogona kuramba richipa imwe dziviriro munguva dzakaoma (hapana vimbiso pane yangu hongu).
Tinogona zvechokwadi kupa mhosva vezvematongerwo enyika vedu nekuda kwezvinoitika izvi, asi vavhoti ivo pachavo vakavhoterawo mutemo wezvemagariro evanhu unotungamirira kumari yepamusoro yehurumende. Ndakambozvipa mhosva pachangu. Chokwadi pane zvakawanda zvinofanirwa kutaurwa kune social policy, asi inofanira kuramba ichikwanisika. Uye izvo hazvisizvo nezvehuwandu hwekuchembera uye saka hapasisina tarisiro yekukura kwehupfumi hweavhareji ye3%. Chibvumirano cheMaastricht chakabvumirana panguva iyoyo - patakanga tichiri kutarisira kukura kwegore negore kwe3% - kuti kupera kwegore negore kunogona kusvika kusvika ku3% yeGNP. Uye iyo yakazara chikwereti chenyika inokwana 60%. Nekukura kwazvino kwakaderera, izvi zvinofanirwa kuderedzwa zvakanyanya, asi izvo hazvigoneke ikozvino nekuti dzinenge nyika dzese dzakatopfuura zvakanyanya kupfuura mameximus ekare. Saka izvozvo zvichaguma zvisirizvo. Semuenzaniso, Italy yatova nechikwereti chenyika che133% uye izvi zviri kuwedzera gore rega rega. Sezvineiwo. Uye Netherlands zvakare yakajeka pamusoro peiyo 60%.
Nekudaro, pane maviri akajeka mavara:
1. Matafura ekufa anogadziriswa makore ose e5 uye mari yepenjeni inosungirwa kutora izvi. Semuenzaniso, matafura aya anofanotaura kuti munhu achiri kushanda achange ave nemakore mangani. Zvisinei, izvi hazvigoni kuverengwa uye hazvigoni kusimbiswa nenhamba. Inoramba ichiita senzvimbo yekofi. Uye pandinotarisa munzvimbo dzekofi, ndinoona kuti fungidziro idzo dzakanyanya kunaka. Uye izvo zvinoreva kuti mabhenefiti emudyandigere anogona kuparadzirwa pamusoro peboka diki, izvo zvinotungamira kumabhenefiti akakwirira. Zvakaipa papi kana tikangorarama tiri vezera rimwe chete nevabereki vedu?
2. Nzvimbo yechipiri yakajeka ndeyokuti handigoni kuona mune ramangwana uye kuti zvandinotarisira pamusoro pekuvandudzwa kwehupfumi muEurope uye mitemo yehurumende dzedu (uye ECB) inogona kuratidza kuva isina tariro.
Pasina kuda kushoropodza chidimbu chaRembrand.
Pano neapo ndinorasika panyaya dzepenjeni dzedu zvakare.
Munhu ari nyore zvandiri, tsananguro yaRembrand yakandiomera.
Ndinofungidzira zvichadaro. Asi ndinoramba ndichinetseka kuti kunyunyuta kwese uku kwakakodzera here.
Pandakaverenga (RTLZ.NL) kuti Netherlands ine yechipiri yakanakisisa yepension system munyika
Kuti iyo New York Times inonyora kuti zviri nani kuve Dutch kana waenda pamudyandigere.
Ipapo handifunge, wow, tiri kuita zvakanaka.
Asi ndinoziva kuti isu tiri nani pane nyika zhinji dzepasi.
Zvakaipa sezvazvingava.
Dzimwe nguva zvakanaka kuve nyore. Dzimwe nguva
Handizivi kana hurongwa hwemudyandigere hwakanaka zvichireva kuti uchawanawo mari yakanaka.
Hurongwa hwakanaka hunowanzoreva kuti chimwe chinhu chinotaridzika zvakanaka pabepa uye zvese zvakarongwa zvakanaka.
Izvo hazvina kufanana nehomwe yepenjeni iri kukwanisa kuwana penjeni yakanaka kune vatori vechikamu.
Nyaya yakanyorwa zvakanaka.
Havasi vese vanhu vechiDutch vakavaka (kana vachiri kuvaka) penjeni neABP, kune dzimwe mari dzepenjeni dzakatonyanya kuipa kana chimiro chiri nani.
Homwe yangu yepenjeni SFB yakawedzera penjeni zvishoma gore rino.
kwaziso ben
Sezvineiwo hapana chandakaona. SFB yave APG.Kare, SFB yaive nereshiyo yepamusoro yekuvhara kupfuura APG, saka mukuona kwangu APG iri kuita chimwe chinhu chakaipa. Ndinofunga kuti nguva yaiitwa mapensensheni panguva yezororo chinhu chekare. Mirwi yekutenda nekufona asi zvinosuruvarisa kuti nguva dzachinja. Zvichida sarudzo isiriyo yekutsvaga mari? APG.
Mazwi ekuti chembere, vechidiki nepenjeni anopikisana zvikuru uye zvine musoro nekuti munhu wese anongotarisa chinzvimbo chake. Chinhu chinogumbura pamusoro pechiDutch chikuru chemudyandigere uye hurongwa hwemudyandigere wenyika ndechekuti havatarise munhu wega. Kusvika dambudziko risati rasvika, mushandi wepakati aibhadhara pakati pe0 nepamusoro pe1,5% mumaprimiyamu epenjeni. Vashandi vemazuva ano vanga vachitarisa pamaprimiyamu e6-7% kwemakore. Kutendeseka, ini handina zano, asi munhu wese ari kutonetsekana kuti achazombove nekodzero yechinhu chipi nechipi. Vechiduku vakawanda havazivi. Pachinzvimbo changu, pamakore makumi matatu nematatu, ndiri kutoudzwa neSVB kuti kana pasina chachinja, ndichawana penjeni yehurumende kana ndava nemakore 33 nemwedzi misere. Manzwiro angu ndeokuti havasi vakwegura chete asiwo vechiduku havana maonero akanaka enguva refu. Musiyano chete ndewokuti vanhu vakwegura vanowanzoona chimwe chinhu kubva pane zvavakatobhadhara.
Chiono changu chakanangana nepenjeni yemunhu yakasungirirwa nekukurumidza sezvinobvira kuti munhu wese azive paamire. Ita kuti mupiro ushanduke uye upe mufananidzo wakajeka. Muenzaniso ona http://www.brightnl.com
Moderator: Kana iwe uchida chimwe chinhu chakadaro, unofanirwa kupa kwakabva.
Mushure memashoko nemunyori,
Ndatenda nemhinduro dzenyu uye mamwe macomments.
Chekutanga, unofanirwa kuona matanho ehurumende emudyandigere uchitarisa mamiriro ehupfumi. Iyo Netherlands yakave neyakanyanya kushomeka kwebhajeti uye kuderera kwehupfumi mumakore achangopfuura. Mhinduro yakasarudzwa yaive yekunyudza muhari dzepenjeni nemari dzemasangano edzimba. Kubvisa zvakananga kubva kumari yepenjeni kwakanga kusingabviri, asi kuburikidza nekuderedza kubviswa kwezvipo zvepenjeni uye nekubvumira vashandi kubhadhara mari shoma pane kuwedzera kwekodzero dzavo dzepenjeni, mari yaigona kuwanikwa. Nekuda kweizvozvo, mari yemutero yakakwira zvakanyanya uye mutengo wemuhoro wakadonha, zvichivandudza chinzvimbo cheDutch chekukwikwidza. Mumwe wevakataura akanyora kuti pakanga pasina imwe nzira, asi hachisi chokwadi. MuFrance, Hollande akaunza mutero wemari yepamusoro uye muNetherlands chiyero chepamusoro-soro chaigona kunge chakawedzerwa nyore, asi Mark Rutte neVVD yake vakanga vasingadi izvozvo. Dzimwe nyika dzeEurozone dzakangoita kucheka kwakasimba kwehurumende.
Kunze kwenyaya yekuti vanodya penjeni ndivo vanotambura, ndizvo zvakaitawo vechidiki. Kuwanda kwepenjeni kwavo kwakadzikira zvakanyanya uye vanenge vasingambowani penjeni yakazara, asi handinyatso nzwisisa kuti sei vasingaendi kunovharirwa. Imwe chete iri kurwisana nemazvo ndeye FNV, iyo isingadi kuwedzera kwemapurisa anobhadharwa kubva pakuderedzwa kwe15% mupenjeni (iyo inozivikanwa cigar kubva mubhokisi rayo). Zvichakadaro, makambani (inishuwarenzi) nehurumende vanodyisa nyaya yekuti vechidiki vanobhadhara kune vakwegura. Muna Chikunguru pane kubvunzurudzwa muVolkskrant naJette Klijnsma uye akashuma kuti vechidiki vakabhadhara vakwegura nekuti mari yavakaisa inogona kuunza kudzoka kwenguva refu, asi zvinosuruvarisa kuti haana kutaura kuti vechidiki vanove vachembera. Mubvunzurudzo akarota nezvemumwe munhu, poto yepenjeni inobviswa uye ingori nhanho imwe chete kubva pakuisa zvese pasi peinishuwarenzi yega. Naizvozvo ndine chidimbu chimwe chete chezano kune vechidiki: wedzera hupfumi hwako nekubhadhara imba yako yemba nenguva uye kuisa parutivi chikamu chemwedzi wega wega chekudyara kuchembera kwako.
Handinyatso kujeka kwandiri kuti sei mari yepenjeni ikozvino ichifanira kuvaka hombe, isina kufanira buffer inosvika 50 kusvika 60% yeGross National Product. Zviri pachena kuti iyo accrual ichabhadharwa nekudzikisira zvakanyanya indexations nePFs. Kana, nekufamba kwenguva, iyo buffer yagadzirwa, vezvematongerwo enyika vachasimuka kuti vawane kushandiswa kwakanaka, senge mutero wehupfumi pamari yepenjeni nekuti bhokisi rechitatu harina kubhadhariswa mutero kana kugadzirisa yakaderera pension accrual nevechidiki. Mukuverenga kwangu kwekudzikira kwesimba rekutenga, ndakaisa fungidziro yeABP pachikamu che3% chekuvhara muna 2027, asi ndichipihwa mibairo yepenjeni iripo iyo yakadzikira zvakanyanya, handina chokwadi chekuti izvi zvingaitwe.
Chekupedzisira, mumwe wenyu anonyora nezve premium yepenjeni inosvika 1,5%, asi mushure mekunge hurumende yatyisidzira kupindira muma80 nekuda kwekuwanda kwemari uye mari yepenjeni yakadzosera mari kuhurumende (30 bhiriyoni) nevemabhizinesi, penjeni yangu. premium yanga iri nguva iyoyo inenge 6 kusvika 7%. Zvakare, izvi zvidzikiso zvekutanga zvaigoneka kwenguva shoma nekuti zvakawandisa zvakange zvangovharirwa kwemakore. Hapana chandinonzwa nezvenyaya yekuti mapremium andakabhadhara akadzoserwawo kukambani panguva iyoyo.
Zano rakanaka kubva kuna Rembrand kune vechidiki.
Hapana anogona kufanotaura kuti zvinhu zvichafamba sei mune ramangwana, saka iwe unogona kupindura kune izvo, asi bhadhara chikwereti chako nenguva. hapasisina mutengo wedzimba, unovaka kuchinjika, unogona kutengesa imba yako wogara kumwe kwayakachipa, chikamu chemari yako chinoburitswa kana kutengesa imba yacho woirenda kana kuroja kumwewo, haufanirwe kugara kusvika. unofa mari yanamira mumba mako.
Hazvina mhosva kuti idiki sei, chengetedza chikamu chemari yaunowana, kana mari yako yakakwira wobva wachengeta zvishoma, isa mari, kwete mumasheya, mabhondi kana neinishuwarenzi, ukapihwa njodzi, funga nezvenyaya yekubiridzira uye / kana kuchinja kupesvedzerwa kwehurumende pamhando idzi dzezvinhu uye mutengo wekutarisira.
Chengetedza mari, semuenzaniso, goridhe Krugerrands, yakapihwa chengetedzo mukati mekugadzirwa, nezvimwe, mukuona kwangu zviri nani mune diki mupumburu / chunk yegoridhe, inova nzira yekubhadhara munyika yose uye ipapo une zvishoma kana kwete. counterparty ngozi, isa musefe. Hongu, ndinoziva kuti mutengo wegoridhe unoshandiswa, asi izvo zvinozosvika kumagumo.
Kana paine ane zano riri nani ndiudzeiwo.
Muchidimbu, ita chimwe chinhu nezvazvo uye iwe ucharamba uri mukuru weimba yako.
Rombo rakanaka.
NicoB
Vanhu vakwegura vanoda kupedza nguva yechando vari kunze kweEurope vanozonyanya kutambudzika kana kuvharika kwepasi rose kukarasika
inishuwarenzi yekutanga inotanga kubva Ndira 2017, XNUMX.
Ichaita marii?
Ndataura nemumwe murume wechiFrench nhasi uye kune inishuwarenzi yebisis inovharwa kana ukasagara kwenguva inodarika mwedzi mitanhatu
achaita hibernate.
Chii chinotevera, ndiri kunetseka chaizvo.
Peter.
Zvinotarisirwa kuti mainishuwarenzi achaita zvinopihwa, ingave chikamu cheinishuwarenzi yekufamba yakaparadzana neinishuwarenzi yehutano mukuwedzera kune yakakosha policy, kana neinishuwarenzi yehutano sekuwedzera kune yekutanga hutano hwaro.
Mubvunzo ndewokuti izvo zvinozodhura sei uye nguva yakareba sei yaunogona kugara kunze kweEU/Europe uchienderera kana gore negore uye kuti ucharegererwa pamubhadharo wenguva yaunogara kunze kwenyika. Zvichaenderera mberi.
Zviri pachena kuti zvinoda mamwe mapremium.
NicoB
Chinhu chakanaka kuti vepenjeni vari kudzikiswa. Vazhinji muThailand vanorarama sevamwari. Vanhu vaive pamudyandigere munguva apo kuenda pamudyandigere kuchiripo, pazera remakumi matanhatu, uye vakakwanisa kugara zvakanaka pazviri kwemakore, vaine mudiki Thai mumaoko. Usakwenya izvozvi, asi dock, kuti chizvarwa changu chevanopfuura-40s chivewo nechimwe chekunakidzwa gare gare. Funga iwe, TINOngotanga pazera re68 ...!
Handina kufunga! Enda unoshandira pension yako, ndizvo zvandakaitawo, kubva pamakore 15, kwemakore 47. Uye tanga kuchengetedza, kuisa mari, kuisa mari kuitira kuti uve nemari yekurega basa nekukurumidza. Ndakadarowo. Uye zvandisina kuita? Zvitsamira pane vamwe!
Wadiwa Fred,
Ndingakukurudzira kuti uverenge zvakare chinyorwa uye unzwisise zviri kuitika. Gwaro rehurumende rakatanga kurwiswa kwekodzero dzepenjeni dzevakasiya basa nevashandi.
Uyezve, unowira muboka revanhu vanobatsirwa zvakapetwa katatu. Nekuda kwekudzikisirwa kweprimiyamu, ungangobhadhara mari yepenjeni yakawandisa, asi unovaka kodzero dzakakwana uchibhadharira vanodya penjeni. Iwe uchave uine yakawanda mari yekuchengetedza nekuda kweiyo premium discounts uye sekureva kwaMs. Klijnsma, iwe unobatsirwa kubva kune avo vane makore makumi maviri nemakumi matatu nekuti mipiro yavo yepenjeni inobhadhara nguva yakareba kupfuura yechizvarwa chako.
Oo, pandakasiya basa makore anenge mana apfuura, chiyero chekuvhara chehomwe yepenjeni yangu yaive yadarika zana nekuti chizvarwa changu chakadyara zvakakwana. Uye kana iwe usingachawani penjeni yakanaka, hazvizove zvichikonzerwa nevanodya mari iwe waunofungidzira, asi kune avo vava kudzvanya mabhatani.
Wadiwa Fred, hupenyu hunotanga pamakumi mana uye ramangwana rinogona kutaridzika rakakunakira iwewo. Kwete nenzira yaunofunga kuita izvi uchibhadharisa vanodya penjeni. Vazhinji vedu hatina kugara pano saMwari muFrance uye zvingave zvakakufanira kuti urege kuita izvi zvekutaura. Kukuvara kusingakoshi hakuna kumbowana chero chinhu kune chero munhu. Pamusoro pazvo, chiitiko changu ndechekuti kana ukasachipa kune mumwe munhu, haungachiwane iwe pachako. Ndakawana mukana wekuona zvakawanda zvenyika. Ndinoziva kunogara vanhu vanorarama saMwari muFrance uye havasi vanhu vakasiya Jan Modaal vekuNetherlands, vanogara muThailand. Vazhinji vedu hatina kumira zvakanaka. Pamwe chete nevamwe vanhu vane makore ekuma40, munofanira kuona kuti chirongwa chekukasira pamudyandigere chaunzwazve uye nei muri kuita izvi, kuitira kuti muwanewo kuzorora muzera rakakodzera? Kungofanana nemunhu wese wechiDutch anofanirwa kubvumidzwa kuita izvi. Saka iwe unoita zvakawanda zvakanaka uye uchitaura uchipokana nevagadziri vezvematongerwo enyika veNetherlands nekuti ndipo pane dambudziko.
Fred, handifungi kuti wakazvinzwisisa zvachose, chirevo chako chokuti hatibvumirwi kuridza ikozvino uye kuti isu zvino tinofanira kukwira, kuti tiise zvinyoro, zvinonyangadza. Zvinoitawo sekuti hauna kunyatsonzwisisa nyaya yaRembrand.
Isu takasimudza AOW kuvabereki vedu uye takabatsira kumapoto epenjeni isu pachedu, iko zvino kwave kutendeuka kwevanhu, pakati pevamwe, boka revanopfuura 40s raunobhadhara kwete neimwe nzira.
Paunenge wagadzirira kuenda pamudyandigere, panguva iyo inenge isati yasvika zera re70+, ndinogona kukutarisira iwe kuti sisitimu ichiri yakafanana, kuti vana vako kana vechidiki panguva iyoyo vanoshamwaridzana zvekuti uchiri kuwana AOW uye kuremekedza kodzero dzepenjeni dzezera rako razvino.
Ndiyo yakanga iri chinangwa chemagariro evanhu pakupinda muhurumende yepenjeni uye mari yepenjeni.
Zvimwe unogona kurarama saMwari muThailand une mudiki Thai muruoko rwako.
NicoB
Kunyange zvakadaro, Fred ane poindi. Nemhaka yokuti hurumende, makambani uye vanhu vakazvimirira pasi rose vakakwereta mari yakawanda zvikuru, kukura kweupfumi kwakaunzwa mberi. Uku kuwedzera kwekuwedzera kwakakonzera kubudirira kwehupfumi uye nekudaro kuwedzera kukuru kwemitengo yemugove uye mitengo yezvivakwa mumakumi emakore apfuura, pamwe nemitengo yakakwira yemubereko. Mari yepenjeni (uye vari pamudyandigere parizvino) vakabatsirikana zvakanyanya kubva pane izvi. Zvimwe zvinogoneka sei kuti neisingasviki 10% premium pamakore makumi mana ebasa iwe uchagamuchira rupo rupo rwemakore makumi maviri nemashanu anotevera. Izvozvo hazvichazoitiki zvakare. Yakatongerwa kunze.
Nekudaro, ichi chihombe chechikwereti chinofanirwa kudzikiswa, zvikasadaro zvinhu zvichakanganisika uye kukura kwehupfumi kuchasara kumashure kwemakumi emakore uye mitengo yekugovana ichadonha kwete kukwira. Mari yemubereko inofanirawo kuramba yakaderera, zvikasadaro kubhuroka kuchanaya. Ramangwana rehomwe dzepenjeni nokudaro rinotaridzika kushata uye mamwe mabhafa haagone kukuvadza. Muchidimbu, vanodya mudyandigere vakabatsirwa nemitemo yezvehupfumi isiriyo uye vechidiki vachakohwa zvinovava. Vane chikonzero chaicho chekunyunyuta kwete chete nezvepenjeni yavo. Vachava nayo yakaipisisa kupfuura yataiva nayo. Isu (vakaenda pamudyandigere) tisu tine rombo rakanaka. Zvichida chizvarwa chekupedzisira kuwana budiriro yenguva refu.
Pane mumwe muzvinafundo akati zvikwereti zvenyika zvinofanira kubviswa mumapoto epenjeni kuti zvigovane zvakanaka. Ndinofunga kuti pane chokwadi mune izvozvo. Usakanganwa mari kubva kuminda yegesi, iyo yakakurudzira hupfumi uye yakachengetedza maitiro akawanda evanhu.
MuNetherlands vaifanirwa kunge vakaisa mari yegasi panzvimbo yekuisanganisira mubhajeti. Norway muenzaniso wekuti zvinogona kuitwa sei.