Mubereki ane kodzero yepamutemo kana yepamutemo yekubhadhara chikoro chemwana wekoroji? Mubvunzo iwoyo uri kutambidzwa mukati, kune dzimwe nzvimbo, madareghensi ekuputsa nyika yose. Nekubhadhara kwemari yepamusoro yepamusoro, uye chikwereti chechikwereti chevadzidzi pamusana pese-nguva yakakwirira kudarika madhora madhiriyoni, vabereki vanogona kukwanisa kubatsira vana vavo kubhadhara mari yepamusoro yepamusoro inogona kuita.
Asi zvakadini nevabereki ivavo vanoedza kubatsira asi vasiri mune imwe nzvimbo yakagadzikana yemari yekuita kudaro? Kana ruzivo rwavo rwemari ruchinyanya kuve rwakaoma, uye ivo vanosarudza kuisa chikwereti chekubhadhara, kojiji inogona kuzviwanira mumiririri mumhosva nemutongi we bankruptcy kuti adzorere iyo mitsara yekubhadhara.
Kururamisira muBhishopiti
Sei dare rebhengi rine kodzero yekuenda shure kwebhadhadziro yebhazidzo yakaitwa kare - zvakadai semakore maviri zvisati zvaitika - mhosva yekubhadhara inoiswa? Izvo zvose zvinobva pane imwe pfungwa yakagadzirirwa kuita kuti kushandiswa kwebhengi kuve kwakakwana sezvinobvira uye kuva nechokwadi chokuti vakwereti vakafanana vanobatwa zvakafanana. Uye izvi hazvirevi kungoita bhajiko pachako, asi rinoziva kuti vatengi vangave vakambobatwa zvisina kufanira apo munhu ane dambudziko rezvemari ainge asina basa uye aifungisisa kudhinda chikwereti chekudarika.
Zvinotarisirwa zveBhangeruptcy
MuChitsauko 7 bankruptcy case, dare rinosarudza mutasitiri webasa rake rinosanganisira kuzivikanwa, kushambadzira uye kuregererwa kwezvinhu zvakasara zvemufereti kuti zviparidzirwe kune chikwereti.
Aine chikwereti - munhu anokwidza chikwereti chebhengi - haasi kupa zvinhu zvake zvose paanoshandisa kubhadhara. Munhu ane chikwereti anobvumirwa kuchengetedza zvimwe zvinhu zvechimwe chikosha kuitira kuti awane "kutanga kutanga" kana nyaya yacho yapera. Izvi zvinonzi kusunungurwa kana kuregererwa . Mutrasti anotora nzvimbo iyo isina kuregererwa uye inoshandura iyo kana yakafanira.
Panguva ino, avo vane chikwereti vane zvikwereti zvikwereti nedare. Kana musimboti apedza basa rekuchenesa zvinhu zvisiri izvo, achaita kuti zvirevo zvive zvakakodzera uye zvakanyatsotsigirwa. Zvadaro, achagovera dziva remari yaakawana kuti agutse zvirevo maererano nehurongwa hwekutanga huri mumutemo webhengi. Kana asingakwanisi kubhadhara vane chikwereti 100%, vakweretesi vese vanogamuchira purogiramu yepando yedhuri .
Zvaunofarira uye Zvinyorwa Zvokunyengera
Imwe nzira inotungamira mubhadhadzi ndeyekuenzana kwevamwe vatengesi vakafanana. Izvi zvinowedzera kunze kwekugoverwa kwezvinhu zvakagadzirwa nematirastii. Kana munhu ane chikwereti ari kusvika kusingabvumirwi, dzimwe nguva ane chikwereti achashandisa mari shoma kubhadhara chikwereti chakanaka. Izvi zvinonzi kushandiswa kwakasiyana . Zvinyorwa zvinoshandiswa zvinowanikwa mumazuva makumi mapfumbamwe apfuura kushandiswa kwebhengi, kana kwenguva yakareba segore kana zvichiitwa kana kuti kubatsirwe kune imwe nzvimbo, sehama. Kuti udzidze zvakawanda pamusoro pezvido zvekushanyira Chii chiri Chokutumira Mutemo?
Saizvozvowo, munhu ane chikwereti angashandisa kuderera kwezvinhu kuti atsire zvinhu kana mabasa pasina kuwana chiyero chakaenzana chakakwana mukudzoka. Kana uyo ane chikwereti angangodaro akatamisa nhumbi sechipo.
Izvi zvinonzi kufambiswa kwenhema . Nepo unyengeri hwechokwadi husingabatanidzwi, mamiriro acho akafanana. Akwereta akarasikirwa nemafuta asina kuchinjwa nehuwandu hunokosha. Kuti udzidze zvakawanda nezvenyaya idzi, ona Chii Chinonzi Kudzingiswa Kwekunyengera?
Nhamba yekodzero inopa matareti anonyanya kushandiswa ekutengesa zvikwereti izvozvo, uye "kuvhara" izvo zvinhu. Izvi zvinowanzozonzi simba rerasti "simba rakasimba" masimba. Mune zvimwe zviitiko, mutrasti anogona kudzokera kumashure kusvika kumakore maviri kuti aunze mabhizimusi emari mubhadhadzi yefa. Mune zvimwe zviitiko anokwanisa kudzokera zvakare kupfuura pasi pemutemo wehurumende. Mukuwedzera, mutasitiri anopiwa ruzivo rwakawanda zvikuru kana zvikwereti zviripo kana kuti kubatsirwa "nechekare." Insiders inogona kusanganisira vakaroorana nevashandi, asi vanogonawo kusanganisira hama.
Nokuda kwechikonzero ichocho, vane chikwereti vanofanirwawo kuzivisa mari yekutengesa iyo yakaitika mukati memakore maviri nyika isati yabhadhara chikwereti ichi, kunyange zvazvo mutongi ari mukati mekodzero dzake yekuongorora zvakasununguka kuti aone kana uyo ane chikwereti akabhadhara mari yaigona kunge yakasarudzwa kana kuti yakagadzirwa isina shanduro yakaenzana yekukosha kumunhu ane chikwereti.
The Tuition Claw Back
Pinda mukana wechikoro claw zvakare. Ichangobva kuve nevatongi vanobva vatanga kushandisa simba ravo remaoko kuti vakwanise kubhadhara chikoro chebhadziro chakaitwa nevakwereta kune vana vavo. Maererano nenyaya iri muWall Street Journal * kutsvaga zvinyorwa zvevanhu kubva muna 2008 zvakashandura zvikwata zvakaiswa kune makoroji 25 akasiyana. Inopfuura makumi maviri emakoroji akadzora uye akadzoka zvimwe zvidzidzo kumatirastii.Ukudzoka kunotangira kubva kune madhora mashomanana kusvika kumazana makumi ezviuru. Makoroji akawanda anokurumidzira kugadzirisa kusava nechokwadi nekubhadhara kwekambani yakatongerwa mhosva.
* Bankruptcy Trustees Vanodzika Chikoro Chikoro Chikoro Chakabhadharwa Mafirimu 'Vana , K. Stech, Wall Street Journal, May 5, 2015.
Kufunga kwemashure mekutonga kunoenda chimwe chinhu chakadai:
- Mwana ari kupfuura makore ehuwandu.
- Vabereki havasisina mutemo wemhosva yekupa mwana.
- Idzidzo yekubhadhara zvipo zvipi zvigadzirwa kumwana kana kuti zvigadziridzwa kureji kumwana.
- Kunyange zvazvo mwana wacho zvichida achiwana kukosha kwekubhadhara chikoro chebhadharo, kukosha ikoko hakufambi kune vabereki.
- Mwana wacho "ari muchengeti" wevabereki vane chikwereti, saka, mutsigiri anogona kutsvaga shure kwegore rimwe gwaro risati rasvika rakaiswa mukana wokutengesa, kunyanya kutengesa kushandiswa.
Dzidzo yekubhadhara yakagadzirirwa kumwana asati asvika muzera rehuwandu inogonawo kudziviswa sechinhu chakanaka kana chekunyengera. Mutemo wehurumende dzakawanda unoda kuti mubereki anopa chimwe chinhu kunze kwezvinodiwa zvakadai sekudya, mvura, zvokupfeka, kurapa, dzidzo uye denga pamusoro pemisoro yavo. Dzidzo yezvidzidzo haingasanganisi chikoro chepachikoro kana kojiji kunze kwekuti mwana ane zvinodiwa zvakasiyana izvo zvisingagoni kutaridzirwa nenzira isingadhuri.
Chikoro cheChikoro
Dzimwe nhaurirano dzakapiwa nemagazini iyi dzakabatana nemakoroji. Nzira idzi dzinowanzotaura nezvemitemo kana tsika dzevanhu kuti vabereki vabatsire vana vavo nemari yemari yepamusoro kana vachikwanisa kuita kudaro. Nenzira imwechete dare rakaratidza kuti kubhadhara kwaisakodzeri kufanirwa kana kushandiswa kwekunyengedza nokuti kwaive kunonzwisisa uye kwakakosha mukuchengetedza mhuri. Chimwe chikonzero chinogona kukonzera kukosha kwevabereki semukana wakawanda wekuti mwana wacho achasiya kojiji akagadzirira kuita mararamiro uye haazokwanisi kubvumira kumba.
Ko Kwete Chekudzivirirwa Tuition Payments Unogara Usingaregi?
Zvakadini nezvikoro zvekudzidzira zvakaitwa zvichienderana nechibvumirano chechibvumirano chokurambana kana chibvumirano chekugadzirisa pfuma? Kunyange izvo zvinogona kudziviswa kushandiswa kunofanirwa kana kuti sekunyengedza kwekunyengera. Mubereki angasava nemhosva yepamutemo yekubhadhara vana kutsigirwa, asi vabereki vanowanzopinda muzvibvumirano zvekugovera zvinhu zvakadai sekurapa uye kudzidziswa kwekoroji kuvana vavo. Zvibvumirano zvekugadziriswa kwezvivigiro hazviregi kuregererwa muChitsauko 7, kunyange zvazvo zvingave zvisingabhadharwi muChitsauko 13 chekubhadhara chirongwa. Asi hapana chinyorwa mubhadhadzi yekodzero ingaratidza kuti mari iyi haisi pasi pemasimba ematrasti emasimba akasimba.
Mubvunzo pane zvikwereti zvisiri zvekuregererwa hazvirevi kuti vanogona kuvharwa zvakare, asi kana chikwereti chinodzorerwa chichachengetedza humbo hwacho sechisiri chekuregererwa. Izvi zvinoratidzika kuva mubvunzo usina kupindurwa. Kana mutongi wacho achidzivisa chisarudzo kana kuti kutengesa kutengesa, chikwereti chinodzorerwa. Saka, kana uyo ane chikwereti achibhadhara $ 1 000 pamutasitiri, uyo ane chikwereti ndiye anokwereta $ 1,000 zvakare. Mubvunzo unoratidzika sewe unokwereta chikwereti. Icho chiri chikwereti chebhengi kana kuti chikwereti pachedu here? Kana iri chikwereti pachedu, chikwereti chichapona kubhadhara. Pane kupatsana kwechiremera panyaya iyi. Saka, inogona kuvimba nehutongi hupi huri kurarama.
Ko Kusvetwa Kunoita Kunoita Sei Kwakaita Mamiriro Evadzidzi?
Kunyanya kunetseka kudarika kusununguka kwehutano kunogona kuva ukama pakati pemudzidzi neyechikoro mushure mekuti mushuti wacho akabudirira sutu. Mudzidzi akagamuchira kukosha kwemari yakaiswa panzvimbo yake. Apo mudzidzi ane chikwereti chemari kana mari, zvikoro zvinowanzotora mitemo inoramba zvinyorwa kana mamwe maropafadzo kune mudzidzi. Vazhinji vevadzidzi vanoita kunge vari kutora nzira yakanaka uye vachiziva kuti mudzidzi haana simba pamusoro pemigumisiro uye haafaniri kutora mhosva yevabereki vake nyaya dzezvemari kana sarudzo yekusarudza kutsvaga kwemari.