
curr sthagan

curr sthagan una udaharanon koo sandarbhit kartaa haye jahaan ack kardaataa bhavishya kii kuchh avadhi key liye karon kaa bhugtan karane mein deree curr sakata haye. siddhant roop mein, shuddh karon kaa bhugtan samaan honah chaahiye. karon koo kabhi-kabhi anishchit kaal key liye sthagit kiya jaa sakata haye, yaa bhavishya mein cumm darr parr curr lagaaya jaa sakata haye, vishesh roop seey aaykar key sthagan key liye. 
corporate curr sthagan.
nigamon (yaa anya udyamon) koo aksar karon koo sthagit karane kii anumati dee jaa sakati haye, udaaharan key liye, twarit mulyahras kaa upayog karke. laabh karon (yaa anya karon) koo vartamaan avadhi mein yaa tou ghoshit rajaswa koo cumm karke yaa kharchon koo badhaakar cumm kiya jaataa haye. siddhant roop mein, bhavishya kii avadhi mein curr adhik honey chaahiye. 
aaykar sthagan.
kaee adhikaar kshetron mein, aaya karon koo kaee tarikon seey bhavishya kii avadhi key liye sthagit kiya jaa sakata haye. udaaharan key liye, aaya koo bhavishya key varshon mein aaykar katauti kaa upayog karke pahachaana jaa sakata haye, yaa kuchh kharchon koo bhavishya kii avadhi key bajaay vartamaan mein katauti key roop mein pradaan kiya jaa sakata haye. 2010 kaa ack adhyayan usa hudd taka dastavejon koo prastut kartaa haye jiss taka yuu.aiss. kardaataa apane katauti yogya raajya curr aaykar mein teji laate hue unhein agale varsh key samanya roop seey deya janwari key bajaay disambar mein poorv bhugtan karate hain.
una adhikaar kshetron mein jahaan curr kii darein pragatisheel hain-jiska arth haye kii aaya key pratishat key roop mein aaya curr uchch aaya yaa curr koshthakon key liye adhik hain, jisake parinamswarup uchch seemant curr darr hoti haye-isake parinamswarup aksar cumm karon kaa bhugtan kiya jaataa haye, chaahe dhana kaa samay moolya kuchh bhee hoe.
curr-sthagit sevaanivritti khaate kaee adhikaar kshetron mein maujood hain, aur vyaktiyon koo jeevan mein baad mein aaya ghoshit karane kii anumati dete hain; yadi vyaktiyon kii sevaanivritti mein bhee aaya cumm haye, tou bhugtan kiye gaye curr kaafee cumm hoe sakate hain. kanada mein, panjikrit sevaanivritti bachat yojanaon yaa aar. aar. aiss. pee. mein yogdan aaya seey kaataa jaataa haye, aur inn khaaton mein aaya (byaaj, labhansh aur poonjigat laabh) parr curr naheen lagaaya jaataa haye; kewal sevaanivritti khaate seey nikasi parr aaya key roop mein curr lagaaya jaataa haye.
anya prakaar key sevaanivritti khaate kewal khaate mein arjit aaya parr karon koo sthagit karenge. sanyukt raajya america mein, sevaanivritti bachat khaaton key kaee alag-alag roop vibhinn visheshtaon aur seemaon key saath maujood hain, jinamen 401key, iras aur adhik shamil hain.
jaba taka vyakti cumm curr shreni mein haye (yaani, cumm seemant curr darr haye), taba taka kull deya curr cumm honge.
doosari or, kuchh loga (mukhya roop seey vyavasaay malik) vyaktigat aaykar kaa "poorv bhugtan" karke apani curr dendaariyon koo sthagit karane key "vipareet" karane kaa vikalp chuna sakate hain joe anyatha bhavishya key varshon mein deya hoga. udaaharan key liye, yadi yeh gyaat haye kii bhavishya key curr varsh mein curr kii darein badhengi, tou ack vyavasaay malik vartamaan curr varsh mein khud koo adhik vetan aur/yaa bonus kaa bhugtan karke apane kull curr daayitva koo cumm curr sakata haye, bhale hii usey aisaa karane key liye vyavasaay key paise udhaar dene houn. adhikansh adhikaar kshetron mein, aise rinon kii mooldhan koo malik dwara kissy bhee samay curr mukt ekatra kiya jaa sakata haye, iss prakaar curr darr badhane key baad malik koo cumm vetan kaa bhugtan karane kii anumati dee jaati haye. vaikalpik roop seey, ack nae yaa sangharsharat vyavasaay key malik koo usaki yaa usaki company kii tulanaa mein adhik vetan diyaa jaa sakata haye, iss ummeed mein kii jaba vyavasaay adhik laabhdaayak hoga, tou uchch curr koshthakon mein deya karon kii raashi cumm hogi yaa bilkul bhee naheen. cumm seey cumm, vyavasaay maalikon key liye yeh salah dee jaati haye kii way cumm seey cumm ack diye gaye curr varsh key liye apani sabhi buniyaadi vyaktigat chhooton kaa upayog karane key liye paryaapt vetan kaa bhugtan karein, kyonki inn chhooton koo aamtaur parr bhavishya key curr varsh key liye sthagit naheen kiya jaa sakata haye. haalaanki, yadi aakramak roop seey lagu kiya jaataa haye, tou yeh adhikaar kshetra key aadhar parr ack jokhim bharee ranneeti hoe sakati haye-yadi vyavasaay whiffle hoe jaataa haye, tou pichhale varshon mein upaarjit nammatra key lekh-radd aur nuksan seey laabh uthaane kii maalikon kii kshamata seemit yaa gair-maujood hoe sakati haye.
antarrashtriya curr sthagan.
videshi nivesh seey praapt laabh parr karon koo videshi cumm curr vaale deshon mein corporate aaya key pratidhaaran aur punarnivesh key madhyam seey bhee sthagit kiya jaa sakata haye. iss tarah key curr sthagan key laabhon key liye dou aanshik roop seey paraspar nirbhar prabhaavon, curr darr prabhaav aur byaaj prabhaav koo jimmedaar thaharaaya jaa sakata haih
curr darr prabhaav" iss tathya parr adharit haye kii jaba taka kissy (kathit) sahayak company kaa laabh gharelu (nigamit yaa vyaktigat) sharedharak koo vitarit naheen kiya jaataa haye, taba taka laabh parr sharedharak key desh mein curr naheen lagaaya jaataa haye. yadi videshi curr kii darr gharelu curr kii tulanaa mein cumm haye, tou iss prakaar laabh koo gharelu karadhan seey bachaane key liye banaae rakhaa jaa sakata haye. videshi laabh kii chhoot key mamle mein (jaisa kii yeh ee haye.jee. germany mein corporate sharedharakon key liye mamla), yeh curr darr laabh antim haye.
byaaj prabhaav" iss tathya seey utpann hotaa haye kii yadi videshi curr darr cumm haye, tou shuddh upaj parr curr darr kaa prabhaav samay key saath badh rhaa haye kyonki atirikt byaaj kii raashi teji seey badh jaati haye (byaaj laabh). isaliye, samaan sakal upaj dee gaee haye, ee.jee. mobile vittiya parisampattiyon key sambandh mein, cumm curr vaale deshon mein nivesh karna adhik laabhdaayak haih uchch curr vaale desh kii tulanaa mein cumm curr vaale desh mein shuddh upaj adhik hoti haye aur isaliye poonji teji seey badhati haye. usa byaaj prabhaav koo poori tarah seey samaapt naheen kiya jaa sakata haye, bhale hii vitaran parr atirikt karadhan hoe (ee.jee. jaise sharedharak raahat pranali mein yaa rinn vidhi key saath).
sampatti curr sthagan.
sampatti karon kaa bhugtan ghar key maalikon key liye ack mahatvapurna kharch hoe sakata haye, vishesh roop seey ack nishchit aaya parr rahane vaale varishthon key liye. haalaanki, kaee raajyon mein aisee pahal kii gaee haye jahan vishisht aavashyaktaon koo puuraa karane vaale varishth ghar key malik apane ghar mein rahane taka apane sampatti curr bhugtan mein deree curr sakate hain. shuruat mein apane karon koo cumm karke, yeye karyakram varishthon koo atirikt dhana rakhane kii anumati dete hain jinka upayog vibhinn kharchon key liye kiya jaa sakata haye, jisase rajaswa kaa ack nirantar srot banata haye joe ack vaarshiki key barabar haye. aasthagit karon kaa bhugtan antatah byaaj key saath kiya jaanaa chaahiye joe raajya key anusaar bhinn hoe sakata haye, yaa tou jaba ghar kaa malik sampatti bechata haye yaa gujar jaataa haye. isaliye, iss karyakram mein raajyon yaa ilaakon key liye koee deerghakaalik laagat naheen haye.
sanyukt raajya america mein sevaanivritti aaya kii samasya.
sevaanivritti key baad apani jeevan shally koo banaae rakhane key liye badee sankhya mein sevaanivritt vyaktiyon key paas paryaapt aaya naheen hoe sakati haye. sevaanivritti key baad apane poorv-sevaanivritti upbhog star koo banaae rakhane key liye parivaaron kii kshamata koo nirdhaarit karane key liye, rashtriya sevaanivritti jokhim soochkaank (aine. aar. aar. aaee.) anumaanit pratisthaapan daron kaa upayog kartaa haye, joe laabhon mein poorv-sevaanivritti aaya key pratishat koo ingit kartaa haye. sanghiya reserve key upabhokta vitt sarvekshan (aiss. see. aff.) key aankadon kaa upayog aine. aar. aar. aaee. praapt karane key liye kiya jaataa haye. vartamaan nrri anuman ingit kartaa haye kii lagbhag aadhe kaam karane vaale parivaaron koo sevaanivritti key baad apane jeevan star koo banaae rakhane mein saksham naheen honey kaa khatra haye. halanki aaya vitaran seema key nichale teesare hisse mein rahane vaale parivaaron koo adhik jokhim kaa saamana karna padata haye, lekin aaya seema key beach aur sheersh mein rahane vaale parivaaron koo bhee mahatvapurna jokhimon kaa saamana karna padata haye. yeh ingit kartaa haye kii samasya vyaapak haye.
sevaanivritti aaya mein kamee dou mukhya karanon seey haih pahala, bebi boomers sahit aaney vaali peedhiyon koo adhik sevaanivritti sansadhanon kii aavashyakta hogi. doosara, sevaanivritti aaya key paaramparik srot, joe pahale mahatvapurna samarthan pradaan karate they, abb cumm sahaayata pradaan curr rahey hain.
sevaanivritti sansadhanon kii aavashyakta koo badhaava dene vaale karakon key sambandh mein, lambi jeevan pratyasha, praarambhik sevaanivritti kii umr key saath, swaasthya dekhbhal kharchon mein vriddhi aur asadharan roop seey cumm byaaj darein praathamik chaalak hain. natijatan, logon koo ateet kii tulanaa mein kaafee adhik sevaanivritti sansadhanon koo jamaa karane kii aavashyakta haye. 
aaya sroton key sandarbh mein, samajik suraksha sevaanivritti seey pahale kii aaya key saapeksh cumm laabh pradaan karegi, kyonki poorna sevaanivritti kii ayu 65 seey badhkar 67 hoe gaee haye. isake alawa, adhik chikitsa premium aur adhik parivaaron key liye samajik suraksha laabh karadhan mein vriddhi seey shuddh laabh cumm honge. isake alawa, karyakram 75 saal key ghaate kaa saamana curr rhaa haye, aur santulan bahaal karane key liye, atirikt laabh katauti aavashyak hoe sakati haye.
niji sevaanivritti pranali, joe sevaanivritti aaya kaa anya praathamik srot haye, aabaadi key ack badey hisse key liye prabhaavi dhang seey kaam naheen curr rahee haye. yeh mukhya roop seey saarvbhaumik coverage kii anupasthiti key kaaran haye, jisake parinamswarup kaee parivaaron key paas samajik suraksha key alawa sevaanivritti aaya kaa koee anya srot naheen haye. yahaan taka kii una parivaaron key liye bhee jinake paas sevaanivritti kii yojanaaen hain, shesh raashi aksar aparyaapt hoti haye.
massachusets-boston vishvavidyalaya mein gerontology sansthaan pratyek raajya key liye bujurg aarthik asuraksha darr kaa aaklan kartaa haye. yeh darr una vyaktiyon aur jodon key anupaat koo ingit karati haye joe apane buniyaadi jeevan kharchon koo puuraa karane key liye paryaapt kamai naheen karate hain. sansthaan kii navintam report key anusaar, sabse adhik bujurg aarthik asuraksha darr vaale sheersh duss raajyon mein seey saat mein uchch sampatti curr hain. iska tatparya haye kii massachusets, newyork, nyu jersey aur california jaise uchch aaya vaale raajyon key honey key bavjood, unamen cumm aaya vaale raajyon jaise mississippi, maine aur louisiana kii tulanaa mein bujurg logon kii samaan darein hain.
vartamaan mein sanyukt raajya america mein sampatti karon key sthagan key sambandh mein upalabdh vyavasthaaen.
vartamaan mein, 24 raajya kuchh varishth nagrikon koo apana ghar beche jaane yaa unake gujar jaane taka apane sabhi sampatti karon kaa bhugtan sthagit karane kaa vikalp pradaan karate hain. iss avsar key liye yogyataaen ayu, nivaas, aaya aur sampatti key moolya jaise karakon parr nirbhar karati hain. haalaanki raajya inn karyakramon key liye dishanirdesh sthaapit kartaa haye, sthaaniya sarkaaren aam taur parr unakaa prabandhan karati hain aur paatrata mandand aur byaaj daron koo sanshodhit curr sakati hain. aam taur parr, ghar key malik joe 65 yaa usase adhik umr key hain aur jinaki vaarshik gharelu aaya 20,000 dollar seey cumm haye, way yogya hain. aasthagit sampatti karon parr lagu maanak byaaj darr lagbhag 6 pratishat haye. haalaanki, inn karyakramon key aavashyak ghatak raajyon aur nagar paalikaon key beach kaafee bhinn hotey hain.
massachusets bataata haye kii kaise raajya teen sampatti curr raahat karyakramon kii peshkash karke bujurg nivaasiyon key liye ghar key swaamitva key vittiya bojh koo cumm karane kaa prayaas karate hain. inmein seey dou karyakram hastaantaran yaa kalyan adharit pahal hain. circuit breaker taxes credit kaa prabandhan raajya sarkaar dwara kiya jaataa haye, joe 65 yaa usase adhik umr key vyaktiyon koo raajya aaykar key khilaf credit pradaan kartaa haye aur massachusets mein aavaasiya sampatti kaa malik yaa kiraaye parr detaa haye. iss rinn kii ganana achal sampatti karon key liye sanyukt bhugtan kii adhikta aur paani aur seaver key aadhe bilon seey kii jaati haye joe kardaataa kii aaya key 10 pratishat seey adhik haye. uchchatam rinn joe praapt kiya jaa sakata haye vaha $1,130 haye. haalaanki, rinn raashi kardaataa kii kull aaya aur achal sampatti key mulyankan moolya key aadhar parr pratibandhon key adheen haye. iss karyakram kii laagat salana lagbhag 80 million dollar haye. doosara karyakram varishth sampatti curr chhoot haye, joe sthaaniya star parr prashaasit haye, aur 70 yaa usase adhik ayu key vyaktiyon key liye sampatti curr bill parr $500 kii chhoot pradaan kartaa haye joe kuchh swaamitva, nivaas, aaya aur sampatti maandandon koo puuraa karate hain. iss chhoot kaa kharch wahan karane vaali nagar paalikaon key paas chhoot raashi koo 1,000 dollar taka badhaane aur yogyata ayu koo 65 saal taka cumm karane kaa vikalp haye. 2019 mein, inn nagar paalikaon ney sampatti curr chhoot mein lagbhag 10 million dollar diye.
varishth sampatti curr sthagan karyakram key tahat, joe kii upalabdh teesara karyakram haye, sthaaniya sarkaaron koo chuninda varishthon koo apane sampatti karon key bhugtan koo sthagit karane aur jaba ghar kaa malik yaa tou sampatti bechata haye yaa gujar jaataa haye tou byaaj key saath unhein punah praapt karane key liye adhikrit karane kaa adhikaar diyaa jaataa haye. jabaki raajya karyakram key dishaanirdeshon koo nirdhaarit kartaa haye, yeh sthaaniya logon koo samaayojan karane key liye kuchh jagah bhee detaa haye. udaaharan key liye, karyakram 20,000 dollar kii uchchatam sakal aaya seema nirdhaarit kartaa haye, lekin sthaaniya prashasanon key paas ise 60,000 dollar taka badhaane kaa vikalp haye, joe kii ack gair-mukhiya parivaar key liye circuit breaker seema haye. isi tarah, raajya dwara byaaj darr kii seema 8 pratishat nirdhaarit kii gaee haye, lekin sthaaniya loga cumm darr kaa vikalp chuna sakate hain. sampatti key khilaf grahanadhikar key roop mein daavaa kii jaa sakane vaali raashi anumaanit bajar moolya key 50 pratishat seey adhik naheen honey chaahiye. jaba ghar kaa malik sampatti bechata haye yaa gujar jaataa haye, tou unhein chhah maheene key bheetar sthagit karon aur byaaj kaa bhugtan karna hoga, iss avadhi key dauran 16 pratishat kii darr seey byaaj jamaa honah hoga.

