Chiyambi: Kumvetsa Msonkho M’mayiko Ena

Malamulo a msonkho ndiwo njira yaikulu imene maboma amaperekera katundu wa onse ndi mautumiki, koma mathayo a kusonkhanitsa ndi kuyang'anira misonkho amagawidwa m'mayiko onse, boma, ndi malo akwawo m'dongosolo lovuta la uyang'aniro. Mabungwe ameneŵa akutanthauza kuti anthu ndi mabizinesi akugwirizana ndi akuluakulu a msonkho, aliyense ndi malamulo ake, miyeso, ndi zolinga zake. Kwa aphunzitsi ndi ophunzira, kumvetsetsa kusiyana kumeneku sikuli chabe kuyesayesa kwa maphunziro kwa za maphunziro, kuli kofunika kuzindikira mmene ntchito za boma zimayendetsera, mmene zosankha za za zachuma zimalinganizira, ndi mmene pangano la mapangano limathandizira kuyang'anirana kwa misonkhoma pamlingo uliwonse wa boma, kufufuza mmene amachitira mogwirizana, ndi kukambitsirana mmene amachitira ndi kuyendetsa kwa anthu.

Ngakhale kuti nkhani yoyamba imakhudza kwambiri zigawo zikuluzikulu, kuyang'ana kwambiri kumasonyeza kuti maudindo a msonkho amasiyanasiyana osati m'mafashoni okha komanso m’makonzedwe, kayendetsedwe ka zinthu, ndalama, SEP, ndi kuchuluka kwa ufulu umene anthu akukhala nawo pamlingo uliwonse. Boma la boma, mwachitsanzo, limapeza ndalama zambiri kuchokera ku misonkho yopita patsogolo, pamene boma ndi maboma a m'madera nthaŵi zambiri amadalira pa kuchepetsa malonda ndi misonkho. Kusiyana kumeneku kuli ndi zotsatira zazikulu pa kulingana, khalidwe la zachuma, ndi mtundu wa ntchito zimene anthu amalandira. Mwa kukulitsa luso lathu la malonda, tingayamikire bwinopo za malamulo okhudza msonkho ndi mikangano yopitirizabe pa zimene ayenera kulipira chifukwa cha zimene.

Udindo wa Msonkho wa Maboma

Boma la boma, logwira ntchito kupyolera mwa Internal Revenue Service (IRS) , ndilo gulu lalikulu losonkhanitsa msonkho ku United States. Malo ake aakulu a ndalama amalinganizidwira kusungitsa maprogramu a dziko lonse lapansi , kuphatikizapo chitetezo cha dziko lonse, Social Security, Medicare, maprojekiti a maphunziro, ndi maphunziro a boma omwe amapindulitsa nzika zonse mosasamala kanthu za boma kapena malo. Dongo la msonkho limadziŵika ndi maziko ake aakulu ndi milingo yopita patsogolo, kutanthauza kuti olandira ndalama zambiri zopezedwa m'makhomakolo.

Misonkho Yaikulu

  • Msonkho wa anthu onse: Mapilo aakulu koposa a ndalama za boma, okhala ndi pafupifupi 50% ya malisiti onse. Imagwiritsira ntchito misonkho yamalipiro yochepera imene imakhala kuyambira pa 10% mpaka 37% (monga 2025) ndipo imaphatikizapo ndalama zosiyanasiyana zokwezedwa, ngongole, ndi kusalembetsa kumene kumachepetsa malipiro oyenera kulipira msonkho.
  • Kakomyunizimu ya Ndalama: Inachita Levi pa phindu la makampani. Tsima ndi ntchito za 2017 Ichepetsa mlingo wophwanyika kuchokera pa 35% mpaka 21%. Ndalama za msonkho za ndalama za boma, ngakhale kuti ziŵerengero zogwira ntchito zimasiyana chifukwa cha ndalama ndi ngongole.
  • Masheya: Osungidwa pansi pa Federal Insurancess Act (FICA) kusungitsa chitetezo cha Social Security (12.4% pa malipiro a ku kapusi) ndi Medicare (2.9% yopanda cholowa). Olemba ntchito ndi antchito amagaŵa katundu, ndi anthu olembedwa ntchito omwe alipiridwa ndalama zonse. Misonkhoma imeneyi imachotsedwa chifukwa samagwira ntchito pa ndalama za kayendetsedwe ka chuma ndipo amasungidwa ku ezaumoyo wa anthu.
  • Capital Gails Trisk : Msonkho wa phindu la kugulitsa katundu monga masitolo, zomangira, ndi malo enieni. Zotsatira za malikulu a nthaŵi yaitali (zokhala ndi chaka chimodzi) zimakhomedwa pamiyeso ya ndalama. (0%, 15%, kapena 20% malinga ndi ndalama zimene amapeza )
  • [[MFUTO:0] Misonkho ya Khirisimasi: Misonkho pa zinthu zina monga petulo, moŵa, fodya, ndi matikiti a ndege. Imeneyi kaŵirikaŵiri imaikiridwa kaamba ka ndalama zoikizira (m'jere, Highway Trust Fund).
  • Catestate ndi Msonkho: Kanizani kutumiza chuma pamwamba pa mipata yapamwamba yochotsera munthu ndalama ($12.92 miliyoni pa munthu mu 2024). Msonkho umenewu umayambukira kokha chigawo chochepa cha magawo.

IRS imasungitsa misonkho imeneyi kupyolera m'dongosolo la kugonjera kwaufulu, kugonja, kuyerekezera malipiro, ndi kupenda. Kucholoŵana kwa malamulo a boma . Masamba zikwi zambiri kwachititsa mikangano yopitirizabe yokhudza kuwonjezera, koma kakonzedwe kakupitirizidwako kadakali mbali yaikulu. Kwa aphunzitsi, kuzindikira dongosolo la boma kumapereka maziko oyerekezera boma ndi njira za kumaloko. Website ya IRS imapereka ziŵerengero ndi mitundu imene ingagwiritsiridwe ntchito m’kalasi.

Mathayo a Msonkho a Boma

Maboma amayendetsa malamulo awo a msonkho, omwe amasiyanasiyana kwambiri m'makonzedwe ndi kudalira pa zinthu zosiyanasiyana. Mosiyana ndi boma la boma, maboma amayang'anizana ndi zopinga zambiri: iwo ayenera kulinganiza bajeti yawo (ambiri ali ndi malamulo oyenerera kapena malamulo ogwirizana), sangasindikize ndalama, ndi kupikisana ndi ntchito zachuma mwa kusintha malamulo a msonkho. Maphunziro a ndalama (K /12 ndi maphunziro apamwamba), zoyendera, maprogramu a zaumoyo (kuphatikizapo Médicaid), ndi mautumiki a zaumoyo.

Msonkho Wofala wa Boma

  • Msonkho wa msonkho: Msonkho woperekedwa pa kugulitsa katundu ndi mautumiki ena. Pa 2025, maboma 45 ndi District ya Columbia levy infation, ndi ndalama zoyambira 2.9% (Colado) mpaka 7.25% (California). Maboma ambiri amawonjezera misonkho yawo, kupanga ziŵerengero zophatikizapo kufika pa 10.25% m'mizinda monga Chicago, Illinois. Maakatale amaonedwa kukhala obwezera chifukwa chakuti mabanja otsika amawononga gawo lalikulu la ndalama zawo pa ndalama za msonkho.
  • Katundu Wona: Pakali pano, maboma 41 amakhazikitsa msonkho wa munthu mwini. Mwa ameneŵa, 11 ali ndi mlingo umodzi wa maliwo (kuyambira pa 2.5% ku Colorado mpaka 4.9% ku Illinois), pamene enawo amagwiritsa ntchito mabuleki opita patsogolo. Maboma asanu ndi anayi (Alahka, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, ndi Wyoming) alibe msonkho wa boma, ngakhale kuti New Hampshire chiwongola dzanja ndi phindu. Maboma amene alibe msonkho wochuluka wodalira pa malonda ndi misonkho ndi ndalama kapena m'makezo, m'maiko onga ngati Alaska ndi Wayming, pa misonkhoma ya mafuta ndi mafuta.
  • Msonkho wogwirizana: Pamene kuli kwakuti kwakukulukulu anali magwero a ndalama za kumaloko, maboma ambiri amapanganso msonkho wa katundu wa dziko lonse (kaŵirikaŵiri wotchedwa “msonkho wa maphunziro a boma”) kapena kugwirizana ndi malo kupyolera mwa miyezo ya kupima ndi kulingana. Mitengo ya msonkho wa katundu ndi njira zofufuzira zimasiyana kwambiri.
  • [[MTL:0] Misonkho ya Exce: Madziko amakhazikitsa misonkho pa mafuta a galimoto, zoledzeretsa, fodya, ndi cannabis (kwalamulo). Kaŵirikaŵiri imeneyi ndiyo “misonkho yauchimo" yolinganizidwa kuletsa kugwiritsiridwa ntchito kwa ndalama pamene akukweza ndalama.
  • Invovo ndi Bizinesi: Ndalama zambiri za makampani a msonkho, ndi ziŵerengero za kuyambira 2.5% (North Carolina) mpaka 11.5% (New Jersey). Maboma ena amakakamizanso misonkho yaikulu (m's., Commercial Accounting traxies) kapena misonkho ya franti pa makampani a malonda.
  • Misonkho ya kubwezedwa : Inakhala ndi lamulo la kuchotsa zinthu zachilengedwe monga mafuta, gasi, malasha, ndi matabwa. Maboma onga Texas, Alaska, ndi North Dakota amadalira kwambiri ndalama zimenezi, zimene zingatenge nthaŵi chifukwa cha mtengo wa katundu.

Kusiyanasiyana kwa maboma kuli ndi laboratory yachibadwa yophunzirira malamulo a msonkho. Mwachitsanzo, Texas imadalira pa kusapereka msonkho wa munthu aliyense koma ili ndi imodzi ya misonkho yapamwamba koposa ya katundu m'dzikolo, pamene Oregon alibe msonkho wa malonda koma msonkho wa ndalama wopita patsogolo. Zosankha zimenezi zimasonyeza zikondwerero zandale, zachuma, ndi malamulo a mbiri yakale. [FLT]x Foundation imapereka kuyerekezera kwakukulu kwa madongosolo a msonkho a boma, kuphatikizapo malo apamwamba a zamalonda. Aphunzitsi angagwiritse ntchito chuma chimenechi kupenda mmene kulinganiza kwa makampani, kupikisana, ndi kulipira.

Udindo wa Msonkho wa Kumeneko

Maboma akwawo . . . . ndilo likulu la boma lapafupi ndi nzika za dzikolo. Maboma a boma amayang'anira kwambiri ntchito za ndalama zimene anthu amagwiritsa ntchito tsiku ndi tsiku: maphunziro a pulayimale ndi a sekondale, apolisi ndi oteteza moto, misewu, zimbudzi, mapaki, ndi makhoti. Chifukwa chakuti maboma a m'deralo ali ndi ndalama zochepa zopezera ndalama ndiponso msonkho (kaŵirikaŵiri malinga ndi malamulo a boma), iwo amadalira kwambiri misonkho ya katundu.

Msonkho Wofunika Kwambiri

  • Tchata cha Malonda: Msonkho wa ntchito ya ndalama za kumaloko. Misonkho ya katundu ndi yofanana ndi ndalama (yozikidwa pa mtengo woyeneretsedwa) ndipo iri kwenikweni magwero aakulu a ndalama za chigawo chimodzi za sukulu ndi makampani. Njirayi imaphatikiza kupenda mtengo wa katundu weniweni, kugwiritsa ntchito ziŵerengero za kuŵerengera (m.g. 100 m'maiko ambiri), ndipo kenaka kuchuluka ndi chiŵerengero cha ndalama (malipiro amodzi a $1,000 pa mtengo woikidwiratu). Mwachitsanzo, nyumba yoikizidwa pa $200,000 mu chigawo ndi ndalama 500,000 m'milingo ya katundu. Mayi ambiri amapereka ndalama zolanditsa ndalama za nyumba za anthu, akuluakulu, kapena nyumba zolandira ndalama zochepa.
  • Maboma ambiri amalola kuti magawo, mizinda, ndi maulamuliro a zaulendo awonjezere msonkho wa malonda a kumaloko pamlingo wa boma. Mtengo wa chigawowu ungasiyane ngakhale m'malo amodzi. Mwachitsanzo, ku Alabama, misonkho ya malonda yakumaloko ingawonjezere 7% pa chiŵerengero cha 4% cha boma, kuyambitsa milingo yophatikizapo 11% m’mizinda ina. Misonkhoma ya malonda ya kumaloko imagwiritsiridwa ntchito kusungitsa ntchito monga mabwalo a msonkhano, mabwalo a msonkhano, mabwalo a kanema, kapena kupititsa patsogolo zoyendera.
  • Msonkho wa Kumalo Omwe kuliko kapena Wage: Ndi chigawo cha magawo, makamaka kumpoto kwa chigawo cha kummaŵa ndi Midwest, levy malipiro kapena msonkho wakwawo. Mwachitsanzo, Mzinda wa New York City umakakamiza msonkho wa ndalama za mzinda kwa nzika, ndipo maboma onga Pennsylvania amalola mizinda (m’mphini, Filadelphia) ndi chigawo cha sukulu kulola kulipira msonkho kwa onse okhala m’dziko ndi anthu omwe sakukhala m’dzikolo. Kaŵirikaŵiri misonkhoma imeneyi imayala ndipo ikhoza kupanga malo oyendera.
  • Malayisensi a malonda ndi Octucation Fees: Maboma a kumalo amafuna mabizinesi kupeza malaisensi ndi zilolezo, zimene zimapanga ndalama ndi uyang'aniro. Makampani amasiyana malinga ndi mtundu wa malonda, chiŵerengero cha antchito, kapena malisiti a ndalama. Matauni ena amakakamizanso “msonkho wa mwaŵi wa malonda” wofanana ndi malisiti a msonkho wokulirapo.
  • Zikalata zapadera: Malo angapereke ndalama pa zinthu zimene zimapindula mwachindunji ndi kuwongoleredwa kwa njira, monga magetsi a m’khwalala, kapena steam . Iyi si misonkho yachisawawa koma imasungidwa kuti apindule.

Zilikolini Institute of Land Policy zimapereka kufufuza kwakukulu pa msonkho wa katundu ndi ndalama za kumaloko. Kwa makalasi, kuyerekezera ndalama za msonkho wa katundu ku ma state osiyanasiyana . Kugwiritsira ntchito makompyuta a pa Intaneti -* kungapereke chitsanzo mmene mapindu a katundu ndi mitengo ya mafakitale amagwirizanirana kutsatsa ndalama zambiri m'masukulu, nkhani yaikulu pa mikangano ya mapangano.

Kupenda Moyerekezera Msonkho

Kuyerekezera mwadongosolo dongosolo la misonkho ya boma, boma, ndi malo akumeneko kumasonyeza kusiyana kwakukulu kwa malire, njira zopezera ndalama, malamulo a zachuma, ndi mmene zinthu zimayendera. Kusiyana kumeneku sikunachitike mwangozi; kumasonyeza mmene boma la America linapangira zinthu, zimene zimaika ntchito zina pamlingo uliwonse ndipo kumapereka zida zoyendera.

Chifuno ndi Kufikira

Nkhoma zapam'dziko zinapangidwa kuti zipereke ndalama za misonkho ya boma . drefense, kutetezedwa kwa ndalama za boma, kuthandizirana kwa mayiko, ndi kugoma kwa macrobia. Maziko awo aakulu amawathandiza kusokonezeka kwa zachuma. [[FLT:] misonkho ya chigawo cha boma [[FLT:]] imasungidwa kwambiri m'makhoma a misonkhoma m'dziko, ndi maphunziro kukhala ndalama zochuluka. Chifukwa chakuti maboma ayenera kulinganiza ndalama, misonkhoma ndi yokhudzidwa kwambiri ndi nyengo za malonda. [[FLT:] misonkhoma inamangidwa kwambiri kumudzi, imafunikira msonkho yodalirika, koma yopindulitsa, koma yosagwirizana pakati pa madera osauka.

Kudalira Ndalama

Boma la boma limadalira kwambiri misonkho ya malipiro a munthu ndi a ndalama zowonjezereka (pafupifupi 50% ya ndalama) ndi kulipira misonkho ya pepala (pafupifupi 35%). Maboma ali osiyanasiyana: pafupifupi 1 chigawo chimodzi mwa ndalama za boma zimachokera ku misonkho ya malonda, chitatu kuchokera ku msonkho wa ndalama zimene amapeza, chitatu kuchokera ku zinthu zina (kuphatikizapo katundu, kampani, ndi ndalama zoperekedwa ndi boma). Maboma amalandira 70% ya ndalama zawo pa misonkhoma ya katundu, limodzi ndi ndalama zotsala kuchokera ku misonkhongo ya malonda, malipiro, ndi kutumiza malonda kuchokera ku maboma. Zimenezi zikutanthauza kuti dongosolo la boma likupita patsogolo, pamene madongosolo a dziko akukhala opitirizidwa.

Malangizo Ogometsa Ndiponso Ochititsa Chidwi

Malamulo a msonkho a Federal ndi ofanana m'dziko lonselo, olamulidwa ndi bungwe limodzi (IRS). Malamulo a msonkho amagawidwa; ntchito ya kampani m'mayiko ambiri iyenera kugwirizana ndi mabungwe 50 osiyanasiyana a malamulo a ndalama, misonkho yogulitsa, ndi ma nexus. Kuyambira South Dakotal v. Wayfair[FLS] [2018] Chigamulo cha Khoti Lapamwamba], maboma angafunikire ogulitsa msonkho wa kumadera akutali, kuwonjezeranso katundu wovomerezera msonkho, komanso kuchepetsa kuseŵera kwa masitolo a njerwa ndi mbanda. Ku , chiŵerengero chachikulu cha maboma a msonkho malinga ndi U. Centracturea ndi ntchito yomwe ikhoza kusokoneza anthu a m'dziko.

Kulinganiza ndi Kugaŵira Ziyambukiro

Chifukwa chakuti kuchotsa ndalama za msonkho kumathandizira sukulu za m'dziko, chuma cha katundu kumayambitsa kulephera maphunziro. Mayiko amayesa kuchepetsa zimenezi mwa njira zothandizira boma. Pa mlingo wa boma, misonkho yopita patsogolo ya ndalama imachepetsa ndalama zimene amapeza pambuyo pa misonkho, koma ndalama zochepetsedwa za msonkho wa boma ndi wa kumaloko (SALT) ndi makonzedwe ena angachepetse kupita patsogolo. Kusintha kwa malonda ndi misonkho ya katundu kumatanthauza kuti mabanja opeza ndalama zochepa apereke gawo lalikulu la ndalama zawo m’dziko ndi la msonkho wakwawo, indei, indei imayambitsa mikangano ya chitukuko ndi kuteteza ukonde.

Kuthandiza Mautumiki a Anthu Onse ndi Kupita Patsogolo kwa Chuma

Kugawa kwa misonkho kumasintha kwambiri mautumiki a boma ndiponso kulemera kwa chuma m'madera. Pamene misonkho ili yochepa kapena yosakhazikika, maboma akulimbana ndi kugwiritsa ntchito ndalama zothandizira pa ntchito zofunika pa nthaŵi ya zachuma. Mwachitsanzo, akuti kudalira kwambiri pa misonkho ya ndalama zimene amapeza kumakhala ndi mavuto aakulu, kukakamiza kuchepetsa maphunziro ndi maprogramu a zaumoyo. Koma, boma la kumaloko limapeza ndalama zambiri koma limalimbana ndi kuchepetsa ndalama zimene anthu apeza akayamba kukwera ndi ndalama (nkhani ya “makhomakhoma" monga kukwera kwa ntchito 13 ku California).

Malamulo a msonkho amakhudzanso zosankha za malo a malonda. Mayiko opanda msonkho (monga Texas ndi Florida) amakopa makampani ndi anthu ena, koma kaŵirikaŵiri amalipira ndi katundu wapamwamba kapena misonkho kapena kutsika kwa ntchito ya anthu. “kuloŵa pansi [1] m'misonkho ya makampani achititsa maboma ena kupereka zisonkhezero zofunidwa, zimene otsutsa amatsutsa kuchotsako msonkho popanda kukulitsa chuma. Maboma amapikisana ndi malonda mwa kuwonjezera ndalama za msonkho (TE) kapena kulipira katundu, zimene zingayambitse ziyambukiro za kutayikiridwa kwa makampani apafupi.

Kwa aphunzitsi, zimenezi zimapereka kufufuza kochuluka. Mwachitsanzo, vuto la zachuma ku Detroit linagogomezera mmene kudalira kwambiri misonkho ya katundu kuchokera ku malo otsika kunatsogolera ntchito ndi kulephera kwa ntchito ndi kulephera kwa maboma. Mosiyana ndi zimenezi, kuwonjezeka kwa maboma a Sun Belt kumasonyeza mmene malamulo a msonkho pamodzi ndi kuchuluka kwa chuma zingapangitse kusamuka ndi kuwonjezeka kwa chuma. Kumvetsa zimenezi kumathandiza ophunzira kugwirizanitsa chiphunzitso cha msonkho ndi zotsatira zenizeni za dziko.

Wopereka Msonkho ndi Uyang’aniro Kupyola Malo

Kupereka katundu kumasiyana kwambiri ndi mlingo wa boma. Kugonjera msonkho kwa boma kumaperekedwa chifukwa IRS imapatsa ndalama zaulere (Failo la Ufulu) ndi maluso oyenerera. Komabe, kuvuta kwa malamulo a okhoma msonkho ambiri kugwiritsira ntchito zopeka. Kugonjera kuwonjezera: okhoma msonkho m'maiko ambiri amayenera kubwezera boma, ndi malamulo osiyanasiyana a ndalama, ndi ngongole. Maboma amawonjezera ndalama zowonongedwa pa ndalama za boma zosinthidwa (AGI) kukhala zopepuka, koma kusiyanako kudakalipobe (m., maiko ena salola kukwezembetsa msonkho wa boma kaamba ka boma ndi wa kumaloko). Kupereka msonkho kwa kumaloko kumaperekedwa mwachindunji kupyola pa ndalama za nyumba za eni kapena ndalama za boma; misonkhoma imalandira ndi malonda a boma ndi kugaŵanso msonkho, ndipo amagaŵanso mabizinesi a boma ena.

Kuyendetsa madongosolo ambiri a msonkho kuli kofunika. Ofesi ya Banki Yapachaka [[FLT :1] ([[FLT]] CBO]) ndi [Malamulo a Boma] Oŵerengera [Malamulo] Ovomerezeka [Maofesi Oŵerengera [ adalemba kuti anthu a ku America amathera maola mabiliyoni ambiri chaka chilichonse popereka msonkho. Malamulo monga “makhomakhoma msonkho a boma pa kubwerera kudziko, kapena kupanga nyumba yosungiramo katundu, adatsutsana ndi zopimira zandale ndi malamulo.

Kusinthika kwa Mbiri Yakale kwa Mabungwe ndi Msonkho

Kugaŵira kwa masiku ano misonkho sikunasinthe; kwasintha chifukwa cha kusintha kwa malamulo a boma, zigamulo za khoti, ndi mavuto a zachuma. Pasanachitike chipwirikiti cha 16 (1913), boma linadalira pa malamulo ndi misonkho; kukhazikitsa kulola msonkho wachikhalire. Kulephera kwa zachuma kunasonkhezera boma kukhazikitsa udindo waukulu wa ntchito, Chisungiko cha Mayanjano (1935), ndipo pambuyo pake, Medicaid (1965). Pambuyo pake, nyengo ya nkhondo yachiŵiri ya dzikolo inaona kuti boma la United States ligwiritsire ntchito ndalama (m.g., kaamba ka makwalala aakulu ndi maphunziro) kusonkhezera boma ndi malamulo ena, kutchedwa “uniko. Mgwirizano wa boma. [1980] Kupatuka kwa California 138]

Makhoti aumbanso udindo wa msonkho. Foderation of Independent Business v. Sebelius (202), Khoti Lapamwamba linachirikiza lamulo la munthu aliyense la Afford Care Act Act Act Act, kukhazikitsanso mphamvu ya boma yokhoma msonkho. Mosiyana ndi zimenezo, Wayfair [ chigamulo cha boma chofutukulidwa cha boma pa kulipira msonkho pa malonda akutali. Zimenezi zimasonyeza kuti malire a msonkho amatsutsidwa ndi kusinthidwa, kupangitsa kukhala kofunika kwa nzika kuti zikhale zouzidwa.

Kumaliza: Chithunzi Chachikulu cha Aphunzitsi ndi Ophunzira

Kufufuza kusiyana kwa misonkho m'magawo a boma kumasonyeza njira yovuta ndi yoyambira ku demokrase. Ndalama za msonkho za boma, kulinganiza ndalama za msonkho ndi kuchirikiza ntchito za m'deralo, ndi misonkho yakumaloko imapereka njira yophunzitsira anthu. Kuphatikiza pakati pa milingo imeneyi, kupereka ndalama, ndi kupereka msonkho kwa anthu. Kuthandiza anthu kukhala ndi maphunziro, malo apamwamba, ndi chitetezo cha anthu. Kwa aphunzitsi, mutu umenewu umapereka njira yophunzitsira maphunziro a boma, kulingalira kwa zachuma, ndi malonda ophatikizidwa m'zopanga zosankha.

Ophunzira amene amamvetsa bwino ntchito ya msonkho angapende bwino lomwe malamulo a boma monga kuchepetsa msonkho wa ndalama zimene amakhoma, kuchepetsa mamembala a sukulu, kapena kukambirana za ndalama za boma. Iwo angamvetse chifukwa chake mzinda wokhala ndi malo otukuka kwambiri m’tauni ungagwiritsitse ntchito paki yatsopano, pamene kuli kwakuti chigawo chakumidzi chikuvutika kuyang'anira misewu. Mwakuyerekezera malamulo a msonkho kumayiko osiyanasiyana, amaphunzira kukayikira mfundo za chilungamo, chipambano, ndi ntchito ya boma m’moyo wawo. Potsirizira pake, chidziŵitso chimenechi chimapereka mphamvu kwa nzika zamtsogolo kuti zikhale ndi kukambitsirana kwa amene akulandira ndalama, amene amapindula, ndi kumanga chitaganya choyenerera.