Ko Mishonga Yezvokurapa Inonyangadza Mhuri dzeAmerica Here?
Kuwedzera kwoutano hwekutarisira kunoita kuti maverengi aya ave seechokwadi.
Asi nei vakasiyana zvakadaro? Uye chii chinokonzera kukanganisa kwechiremba mune zvehupfumi. Chinonyanya kukosha, ndeipi nzira yakanakisisa yokuti iwe urege kuva umwe wevadzidzi?
Medical Bankruptcy Facts
Chimwe chikonzero nei zviyero zvakasiyana zvakasiyana ndezvokuti zvakaitwa mumakore akasiyana. Makore iwayo akanga achitevera Kubva Kukuruka . Somugumisiro, kubhadhara mitengo yemarudzi ose yakasvibiswa. Vashandi vehurumende vakabuda kubva 822,590 muna 2007 kusvika kune mamiriyoni 1,5 muna 2010. Kubva panguva iyo, vakawira kusvika 770 846 muna 2016.
Ndicho chikonzero chimwe chinoita kuti mutungamiri Obama ataridzike. Muna 2009, pakanga paine zvikwereti zvemamiriyoni 1,4. Obama akavakira kuverenga kwake muna 2009 Harvard kudzidza yakabvumirwa neMubatsiri wake, Elizabeth Warren. Yakati 62.1 muzana yezvose zvakashungurudzwa ndeyekubhadhara mari. Vatsvakurudzi vakabvunzurudza avo vakaisa mari yekuparara pakati paJanuary naApril 2007. Yakarondedzera zvinokonzera zvekurapa sezvo izvo zvinosanganisira avo vanotengesa imba yekubhadhara zvikwereti zvemishonga.
Yakaisawo avo vakange vane zvikwereti zvemishonga zvakakura kudarika $ 1 000 kana vakarasikirwa kwevhiki mbiri dzebasa nekuda kwekurwara. Masayendisiti akaverengeka akatsoropodza vatsvakurudzi nezvekuwanda kwazvo mukubatanidza zvikonzero zviviri zvekupedzisira.
Kunyange zvakadaro, kuverenga kwaBaby Obama kwaive kwakakwirira. Itai kuti mamirioni 1,4 akaparadzana neHarvard kudzidza 62.1 muzana, uye iwe uwane 877 372 kukanganisa kwakagadzirwa nemitemo yezvokurapa.
Muna 2011, vatsvakurudzi Tal Gross naMateus Notowidigbo vakaona kuti kunze kwemahombekodha yezvokurapa kwakakonzera 26 muzana yekushungurudzika. Kudzidzira kwavo kungotarisa kune vanotora chikwereti.
Muna 2013, zvidzidzo zviviri zvakaitwa zvakagadzira zvakasiyana zvakagadziriswa. Inonyanya kuparadzirwa-yakataurwa yakaitwa neNerdwallet Health. Vatsvakurudzi vakatevedzera maonero avo pamusoro pekudzidza kweHarvard muna 2009. Vakabvisa chikwereti chinobva pamabasa ekurasikirwa kubva mumatambudziko ezvoutano. Vatsvakurudzi vakataura kuti 57.1 muzana yakanga yakarurama.
Gare gare gore iroro, CNBC yakashuma kuti Nerdwallet yakawana kuti mabhizimisi ezvehutano akaita kuti 646 812 vokuAmerica vataure kuti vanoparara. CNBC yakawedzera huwandu kune wese wese mumba mavo. Vavhareji veimba vane vanhu 3, iyo inoshandura kusvika kumamiriyoni maviri evanhu akabatwa.
Izvo Facebook meme yakapfupisa nyaya imwe chete iyo inosvika pakufungidzira kwayo 643,000 kudarika kwechiremba. Nhema-bhoti Snopes yakashandisa chidzidzo ichi kuti irege kupikisa Facebook meme iyo ichiti 643,000 veAmerica vanorasikirwa gore roga roga nekuda kwezvikwereti zvemishonga.
Uyewo mugore ra2013, gweta rakaparara Daniel Austin rakawana kuti kusvika 26 kubva muzana yekushungurudzwa kwakange kuri kunyanya kubhadhara mari yekurapa. Akangotarisa zvikwereti zvakakura zvekurapa sechikonzero chinokonzera kukanganisa.
Izvi zvinodhura zvikuru zvaive zvinopfuura 50 kubva muzana yemukwereti weaipomerwa, kana kupfuura makumi mashanu kubva muzana yemari yake. Zvose zvinokonzerwa nehupfumi muna 2013 zvaive 1 1038 720. Wedzera 26 kubva muzana nehuwandu hwekushungurudza uye iwe unowana 270,067 kudarika.
Muna 2015, Kaiser Family Foundation yakagamuchira kuti zvikwereti zvezvokurapa zvakaita kuti vanhu vane mamiriyoni 1 vazivise kuparara. Ongororo yaro yakawana kuti 26 muzana yevaAmerica vane makore 18-64 vakaedza kubhadhara zvikwereti zvemari. Maererano neUnited States Census, ndiwo mamiriyoni 52 evanhu vakuru. Kuongororwa kwakawanikwa kuti 2 muzana, kana mamiriyoni 1, vakati vakatsanangura kubhadhara gore iroro.
Ndiani Unogona Kudavira?
Vatsvakurudzi havabvumirani nezvokuti mari yakawanda yezvechiremba inokonzera sei kubhadhara. Dambudziko guru mukupindura mubvunzo uyu ndeyokuti avo vanyoresa kubhadhara havadi kuti vataure chikonzero. Somugumisiro, kuongororwa kwakavakirwa paongororo.
Iyo nzira inopesana nekudzidza kudzidza. Izvo zvinoenderana nekuti vatsvakurudzi nevanotsvakurudza vanoongorora vanotsanangura sei chikwereti chechiremba.
Chechipiri, zvikonzero zvakasiyana-siyana zvinokonzera kukanganisa. Vanhu vakawanda vane chikwereti chechiremba vane imwe chikwereti. Vangave vanewo mari shoma, mari shoma, uye kurasikirwa kwebasa. Izvo zvinoita kuti zvive zvakaoma kuziva kana bankrutpcy yaiva nekuda kwechikwereti chechiremba chete. Somuenzaniso, chirongwa cheKaiser Family Foundation chakawana kuti 3 muzana chete vanoti bankrutpcy yavo yaiva nekuda kwemari yechikwereti. Asi vamwe 8 muzana vakati izvi ndezvekubatana kwechiremba uye imwe chikwereti.
Yakawanawo kuti inshuwarisi yaiva shoma yekuzivisa kubhadhara (3 muzana) kupfuura yeuninsured (1 muzana). Izvozvo zvingave nokuti vaifunga kuti vakachengetedzwa kubva kumitambo yezvechiremba. Vakawanda vakanga vasina kugadzirira zvisingatarisirwi deductible uye coinsurance cost. Inenge chetatu vakanga vasingazivi kuti chimwe chipatara kana basa rakanga risati riri chikamu cherongwa hwavo. Mumwe-mu-mana akawana kuti inshuwarisi yakaramba zvirevo zvavo.
Vaya vane inshuwalisi vakafambisa sei nemitemo yakawanda? Mushure mekudzikinurwa kwakakwirira , co-inshurensi mari, uye gore rega rega / hupenyu hwose , iyo inshuwarisi yakabuda. Mamwe makambani akaramba zvipupuriro kana kuti akaregesa inshuwarisi.
Nzira Yokudzivisa Kurapa Bhizinesi
Haisi pfungwa yakanaka yekupa bhadhakiti kuti ibudise zvikwereti zvemari. Kune chimwe chinhu, kubhadhara kunoramba kuri pane zvinyorwa zvemakore gumi. Iwe unogona kusakwanisa kukwereta imba, kuwana chikwereti chemotokari, kana kutenga imba. Vamwe vashandi vangaramba basa renyu rebasa nekuda kwechikonzero ichocho.
Mune dzimwe nyika, iwe unogona kurasikirwa neimba yako. Somuenzaniso, Nebraska inongochengetedza $ 12 500 mumusha wekutengesa kubva kubatwa. Pose, iwe unogona kurasikirwa ne $ 100,968 muzvinhu. Kurasikirwa kukuru kuri Delaware, kwaunogona kurasikirwa ne $ 125,745 pamwero.
Mukuwedzera, kubhadhara kunodhura. Avhareji mari inobva ku $ 1,500 kusvika ku $ 3,000 yeChitsauko 7 kunyoresa nemhosva. Chitsauko 13 mavhareji emari inobva ku $ 3,000 kusvika ku $ 4,000 neine gweta. Izvo ndezvenyika yepamutengo mari. Iko mari inogona kunge yakakwirira zvikuru munzvimbo dzakawanda kumabvazuva.
Nzira yakanakisisa yekudzivisa kurapwa kwechiremba ndeyokudzivirira zvikwereti zvemari. Kuti uite izvozvo, unofanira kudzivirira kana kutarisira zvirwere zvisingaperi. Iko inodhura zvikuru chirwere cheshuga, pa $ 26,971 pamhuri, uye zvinetso zvepfungwa zvakadai seingi multiple sclerosis, iyo inodhura madhora 34,167 paavhareji. Mari inodhura zvikuru inotarisirwa muzvipatara, izvo zvakakonzera hafu yekushungurudzwa.
Zvikwereti zvepamusoro zvemishonga kubva pangozi hazvigone kudziviswa. Kune mamiriro ezvinhu, kukanganisa kwemari ndiko kunofanirwa. Sock kure mwedzi mitatu kusvika kumitanhatu yekudhura mumari yekuchengetedza kana mari yemusika. Chetatu chevanhu veAmerica vane mari inopfuura $ 1 000 pakuchengetedza.
Sezvo kutsvakurudza kuri kuratidza, inshuwarhu yehutano haingakudziviri zvachose. Vanhu vazhinji vakanga vasina kubhadharwa nezvikwereti zvakakwirira uye zvimwe kunze kwemari. Iwe unofanirwa kunge uine chikamu chemari yako yakabviswa mukuchengetedza.