Chii Chingaitika Kana Usingadzoseri Mari Yako Yevadzidzi?

Migumisiro yekusingabhadharwi kana kuti yakashata inogona kuva yakasimba

Kwete-kubhadhara chikwereti chemudzidzi inhau inokosha iyo ine simba guru pfuma yedu uye sarudzo dzedu dzezvematongerwo enyika. Kubva muna 2015, kupfuura $ 1.2 triliyoni muzvikwereti zvevakadzi vechikwereti zvaive zvakanaka. Anenge chikamu chetatu cheavo vakwereta vakanga vachiedza kuedza kubhadhara, asi vamwe 17 muzana vaifungidzirwa kuti havana kukanganisa kana kudarika. Kana uri kufunga nezvekutora chikwereti chemudzidzi, kana kuti watozvitora kunze uye uri kutambura nekubhadharwa, hezvino zvimwe zvinhu zvaunoda kuziva pamusoro pemigumisiro yekusabhadhara.

Kusiyanisa Pakati Pevashandi veSweden uye Vavamwe Vokubhadhara Vadzidzi

Iyi nhamba inotaura nezvevadzidzi (nevabereki) vakwereta mari kuburikidza nehurumende yemari yekubhadhara mari kubva kuhurumende yehurumende yepamusoro pekudzidziswa kwekoroji. Panewo mari inokweretwa kumasangano ega ega, iyo yakabhadharwa semari yevadzidzi vechikwereti. Izvi zvikwereti zvinounganidzwa nenzira yakasiyana zvachose uye zvingava nemhando shomanana dzekushandira zviripo.

Kubatanidzwa uye Kubhadhara Zvirongwa Zviripo

Kana iwe uine matambudziko ekubhadhara mari yako yepamusoro yevadzidzi, chengetai kuti vanogona kubatanidzwa muchikwereti chimwe chete kuitira kuti kubhadhara kuri nyore. Panewo huwandu hwehuwandu hwekubhadhara huripo hunogona kuwanikwa hunogona kupa vakwereta nguva yakawanda yekuripa chikwereti chavo pasina kuumba zvakakosha mari yemutoro.

Kusiyana Pakati Pakati Pakaitika uye Kudengenyeka

Chikwereti chinosvibiswa pazuva rokutanga mushure mekubhadhara kuri kukanganisa. Iko kazhinji pane zvikamu zvakasiyana-siyana zvekuparara, zvakadai semazuva makumi matatu apfuura, nekuda kwemazuva 60 apfuura, uye mazuva makumi mapfumbamwe apfuura.

Nhengo imwe neimwe inowana zvishoma zvakanyanya. Inopinda mushure mushure mekunge nguva yakareba, yepakati pepfumbamwe nemwedzi gumi nembiri, zvichienderana nehuwandu hwechikwereti. Kudengenyeka kunogona kukanganisa vakwereta nemikana yakawanda yekubhadhara, asi kusinganisa kunokonzera mutsara wezvipinduri mune zvekuita izvo zvakanyanya kuoma kubata nadzo semunhu akakwereta.

Migumisiro yekutanga yeChina

Kana imwe chikwereti ichifungidzirwa kuti hachina kukwana , migumisiro inogona kuva yakaoma kwazvo. Semuenzaniso, kubhadhara kusingabhadharwi pamwe nekufarira kunowanikwa pakarepo nekubhadharwa. Vanokwereta vanorasikirwa chero kukodzera kwaveve vave nako kwekuregererwa, kushivirira uye dzimwe zvirongwa zvekubhadhara. Havazokwanisi kubhadharwa kune rimwe remangwana redzidziro remubatsiri wevadzidzi, uye iyo iyo chikwereti chikwereti ichadzoserwa kusangano rinounganidza kuitira mamwe mabasa.

Migumisiro Yenguva refu Yezvakaipa

Vakawanda vakwereta havazivi kuti hapana mutemo wekukanganisa pamusana wekusungirwa kwemari yechikwata chemari yevadzidzi. Kunyange zvazvo hurumende inogona kukanganwira zvikwereti zvevadzidzi mune dzimwe mamiriro ezvinhu, izvi hazvirevi kune zvikwereti zvisingakoshi. Iyi ruzivo ichaonekwa pamushumo wekwereti inogona kuchinja kukwanisa kweramangwana kubhadhara mari kana kuwana basa. Hurumende inogonawo kubvisa mari yekubhadhara mari yemari, kubhadhara mibairo kana kubvisa Social Security zvikwereti kugadzirisa chikwereti. Icho chinogona kukanganisa kukwanisa kugadzirisa reisheni yekufambisa kana chiremba chebhizimisi, uye kudzivirira uyo anenge akwereta kuti asazopinda muHondo Dzemauto.

Nhamba Inoramba Ichikura

Kunyange zvazvo chikamu chekutanga chakanga chave chichigadziriswa, chikamu chinokura sezvo nguva inopera.

Iko kune mari yakawanda inobhadhara mari, mari inononoka, iyo inogona kukwereta mari yemhosva uye mari yematare, mari yekuunganidza, nezvimwe zvikwereti zvinosanganiswa nekutora mari iyo inogona kuwedzerwa pamutengo unokweretwa.

Inogona Kuva Yakakomba

Anokwereta anogona kupomerwa uye anotorwa kumatare nokuda kwekusabhadhara. Pane imwe nguva chikwereti chisina kubhadharwa chinotanga kufamba nenzira yematare, mutongi angabudisa mamwe mairairo. Kunyange zvazvo akakwereta asingagoni kusungwa chete nokuda kwekusabhadhara chikwereti, mvumo yekumusungwa inogona kubudiswa kana aya mirairo isingateverwi. Panogona kunge kune mimwe mitero, kunyange zvakadaro, kana zvakasarudzwa kuti ufeve hwakabatanidzwa muchikwata chekutanga chekubhadhara chikwereti kana kuti mashoko enhema akapiwa pa FAFSA.

Inobata Vamwe Vanhu

Chero vashandi vekubatanidza mari pachikwereti chepakutanga vanogona kuteverwa kubhadhara. Zvinoita kuti zvive zvakaomera mudzidzi wepakutanga kutenga zvimwe zvinhu, uye zvinogona kutora vana vanotora chikwereti pavanoedza kutora chikwereti chevadzidzi kubhadhara ivo pachavo dzidzo.