Table of Contents

Maprogramu a boma ndi ofunika kwambiri opangidwa ndi boma, boma, ndi boma kuti apereke mautumiki, chichirikizo, ndi chuma kwa nzika ku United States. Maprogramu ameneŵa amalongosola mavuto osiyanasiyana a chikhalidwe cha anthu, zachuma, malo ozungulira, ndi zaumoyo zogwirizana ndi zimene zimayambukira anthu mamiliyoni ambiri a ku America tsiku lililonse. Kumvetsa mmene maprogramu a boma amagwirira ntchito, mtundu wa chithandizo chimene chilipo, ndi mmene kupeza mapindu ameneŵa kungathandizire kwambiri moyo wanu ndi kukuthandizani kuyendetsa mikhalidwe yovuta.

Kodi Maprogramu a Boma Nchiyani?

Maprogramu a boma ndi olinganiza za mautumiki ndi mapindu ochirikizidwa ndi ndalama za msonkho ndi operekedwa ndi mabungwe osiyanasiyana a boma pa maboma, boma, ndi malo amodzi. Maprogramu ameneŵa amatumikira zifuno zambiri, kuphatikizapo kupereka chithandizo cha ndalama kwa osoŵa, kutsimikizira kuti anthu ovutika apeze chithandizo cha mankhwala, kuchirikiza maphunziro, kuteteza anthu ovutika, ndi kuchirikiza kukhazikika kwa chuma. Cholinga chachikulu cha ntchito zimenezi ndicho kupanga khoka la nzika panthaŵi zovuta ndi kupititsa patsogolo ubwino wa anthu onse.

Maprogramu a boma angakhale oyenera kapena odziwidwa. Maprogramu a boma, otchedwanso kuti ndi oyenerera, amafunikira ndi lamulo ndipo amaphatikizapo Social Security, Medicare, ndi Medicaid. Maprogramu a luntha amafunikira mayeso a chaka ndi chaka kuchokera ku Congress ndipo amaphatikizapo ndalama zothandizira pamaphunziro, chithandizo cha nyumba, ndi mautumiki ena. Kumvetsetsa zimenezi kumathandizira kulongosola bwino mmene maprogramu amachirikizidwa ndi kusungidwira m'kupita kwa nthaŵi.

Maprogramu Aakulu Atatu a Boma

Maprogramu a Boma la Federal

Maprogramu a Federal amaperekedwa ndi mabungwe a dziko ndi madipatimenti ndipo ali ndi zofunika zosasintha m'maiko onse. Maprogramu ameneŵa amalandira ndalama kupyolera mwa ntchito ya boma ya kulinganiza ndalama ndipo amaphatikizapo njira zazikulu zonga Social Security, Medicare, Southal Nutrition Aniordition Program (SNAP), ndi chithandizo cha ophunzira cha boma. Maprogramu a Federal kaŵirikaŵiri amakhazikitsa miyezo ya maziko imene maboma ayenera kutsatira, ngakhale kuti kusinthikako kungaperekedwe kaamba ka kukwaniritsa kwa boma.

Boma la boma limayang'anira madipatimenti ambiri amene amayang'anira pulogalamu yakutiyakuti. Dipatimenti ya Zaumoyo ndi ya Anthu imayang'anira ntchito zaumoyo ndi zaumoyo, Dipatimenti ya Zaulimi imayang'anira chakudya, Dipatimenti ya House ndi Urban Development iyang'anira ntchito za nyumba, ndipo Dipatimenti ya Maphunziro imayang'anira ndalama zothandizira maphunziro ndi ngongole. Dipatimenti iliyonse ili ndi njira yakeyayo yofunsira, njira zoyenerera, ndi zopindulitsa nyumba.

Maprogramu a Boma

Maprogramu a boma amaperekedwa kupyolera mwa bajeti ya boma ndipo angawonjezere maprogramu a boma kapena kupereka mautumiki owonjezereka a ku boma limenelo. Maboma ali ndi kusinthika kwakukulu m'njira imene amagwiritsira ntchito maprogramu ena a boma, makamaka Medicaid ndi ulova. Zimenezi zimatanthauza ziyeneretso za kuchuluka kwa ndalama, phindu, ndi njira zogwiritsira ntchito zingasiyane kwambiri kuchokera ku boma limodzi kupita ku lina. Maprogramu a boma kaŵirikaŵiri amasamalira zosoŵa zenizeni za anthu awo ndipo angaphatikizepo chithandizo chowonjezereka cha nyumba, osamalira ana, ndi kukulitsa ntchito.

Boma lililonse limagwira ntchito yothandiza anthu, ndipo limatchedwa Dipatimenti ya Mautumiki a Anthu, Dipatimenti ya Mayanjano, kapena dzina lofanana ndi limeneli. Mabungwe amenewa ndi ofunika kwambiri kwa anthu okhala m’dzikolo amene akufuna thandizo la boma ndi kugwirizanitsa mapulogalamu onse a boma ndi a boma. Mayiko ambiri apanga madoko a pa Intaneti kuti apereke mapulogalamu osiyanasiyana ndipo akuchititsa kuti zikhale zosavuta kwa anthu okhala pa dzikolo kuti apeze mapulogalamu osiyanasiyana kudzera pa pulogalamu imodzi.

Maprogramu a Boma Lakumaloko

Maprogramu a boma amaperekedwa ku chigawo kapena m'boma ndipo kaŵirikaŵiri amasumika maganizo pa zosoŵa zachindunji za anthu. Maprogramu ameneŵa angaphatikizepo chithandizo chamwadzidzidzi, ntchito za nyumba za kumaloko, ntchito zaumoyo za anthu, ndi maprogramu a magetsi othandiza. Maboma akumaloko kaŵirikaŵiri amathandizira ndi mabungwe osapanga phindu kuti apereke maprogramu amene amathandizira boma ndi boma. Magawo ndi mizinda kaŵirikaŵiri amakhala ndi kukambitsirana kwachindunji kwa anthu ndipo angapereke chithandizo chaumwini poyendetsa malo ovuta a maprogramungwe a boma.

Maprogramu Aakulu a Boma

Maprogramu a Chikhalidwe cha Anthu

Maprogramu a zaumoyo ndiwo maziko a chitetezo cha boma, kupereka chithandizo cha ndalama ndi chithandizo kwa anthu ndi mabanja amene akuyang'anizana ndi mavuto a zachuma. Maprogramu ameneŵa anapangidwa kuthandiza anthu kukwaniritsa zosoŵa zofunika, kusunga ulemu panthaŵi zovuta, ndi kugwirira ntchito kuti apeze ndalama zothandizira anthu. Ubwino wa kakhalidwe umaphatikizapo zinthu zambiri kuphatikizapo ndalama zothandizira anthu, chakudya, ndi mitundu yosiyanasiyana ya ndalama zothandizira.

Komiti ya Kanthaŵi Kothandiza Mabanja Osoŵa (TANF) imapereka ndalama zothandizira mabanja olandira zochepera ndi ana, kuwathandiza kukwaniritsa zosoŵa zazikulu pamene akugwirira ntchito ndi kulephera kwa ntchito. Programu imeneyi imaphatikizapo zofunika za ntchito ndi malire a nthaŵi, kugogomezera mkhalidwe wa kanthaŵi wa chithandizo. Security Income (SI) imapereka ndalama mwezi ndi mwezi kwa achikulire olumala ndi ana, limodzi ndi achikulire a zaka 65 kapena achikulire amene ali ndi ndalama zochepa ndi chuma.

Maprogramu a Zaumoyo

Maprogramu a zaumoyo amatsimikizira kuti anthu a ku America ali ndi mautumiki a zachipatala mosasamala kanthu za mmene alili. Maprogramu ameneŵa ali zina za ndalama zochuluka za boma ndipo amathandizira anthu mamiliyoni ambiri opindula. Medicare amapereka inshuwalansi ya thanzi kwa anthu a zaka 65 ndi kupitirirapo, komanso achinyamata amene ali ndi matenda enaake. Programuyi imaphatikizapo mbali zosiyanasiyana zothandizira kusamalira chipatala, machipatala, ndi mankhwala operekedwa ndi dokotala.

Medicaid akupereka nkhani zaumoyo kwa anthu olandira ndalama zochepa ndi mabanja, akazi oyembekezera, ana, achikulire, ndi anthu olumala. Mosiyana ndi Medicare, Medicaid amachirikizidwa ndi maboma a boma ndi boma, ndipo zofunika za kuchuluka zimasiyana ndi boma. Ana a Health Inshuwalansi (CHIP) Amapereka kwa ana a m’mabanja amene amapeza ndalama zambiri zoyenerera kuyenerera Mdicaid koma satha kulipira inshuwalansi yaumwini. Makampani a Affordable Care Act imapatsa anthu ndi mabanja amene sayenerera Médica (CHIP) kuti athandizidwe.

Maprogramu a Thandizo la Zakudya

Maprogramu a chakudya chopatsa thanzi amathandiza kutsimikizira kuti anthu onse a ku America ali ndi chakudya chokwanira, mosasamala kanthu za mikhalidwe yawo ya zachuma. The Someral Nutrition Alternation Program (SNAP) imapereka $107 biliyoni popereka ndalama zokakamiza pofika pa September 2026, kupangitsa kuti ikhale imodzi ya maprogramu aakulu kwambiri a boma opereka chakudya. Mapindu a SNAP amagaŵiridwa kupyolera mwa makhadi a Eclectronic Befeed Tour (EBT) amene angagwiritsiridwe kugulira zakudya zoyenera kwa ogulitsa.

Pulogalamu yapadera ya Special Nutrition Program ya Akazi, Ana, ndi Ana (WIC) imapereka maphunziro a chakudya chopatsa thanzi, chakudya chopatsa thanzi, ndi kuchirikiza amayi oyembekezera ocheperapo, ndi ana aang'ono. Programme imeneyi imakhudza kwambiri kukula kwa nthaŵi zambiri ndipo yasonyezedwa kuwongolera zotulukapo za thanzi la amayi ndi ana. Maprogramu a sukulu, kuphatikizapo National School Lunch Program ndi School Breast program , kutsimikizira kuti ana a m'mabanja osauka amalandira chakudya chopatsa thanzi patsiku la sukulu. Maprogramu a chakudya chapamwamba amapatsa anthu okalamba amene angavutike kukonza chakudya kapena kupeza masitolo ogulitsa zakudya.

Programu za Thandizo la Kunyumba

Maprogramu a nyumba amathandiza mabanja olandira ndalama zochepa, okalamba, ndi anthu olumala kukhala ndi nyumba zabwino ndi zabwino. Nyumba Chosankha Voucher Program, yodziŵika kwambiri monga Chigawo 8, imapereka chithandizo cha lendi ku mabanja oyenerera, kulola iwo kudzisankhira nyumba zawo m'masitolo. Nyumba za anthu zimapereka malo obwereka otsika a nyumba a anthu a m'madera akumeneko. Kusintha kumeneku kumapereka nyumba zanthaŵi yaitali kwa mabanja amene sangathe kugula masitolo obwereka.

Komiti ya Zotsatira za Nyumba Zothandizira Anthu Okhala M’malo mwa Mabanja osiyanasiyana imathandiza mabanja kuti apeze ndalama zothandizira anthu osowa pokhala. Malo a kampani ya Low-Inhome Home Energy Appive Program (LIHEAP) amathandiza mabanja kulipira zotenthetsa ndi kuziziritsa mphamvu ndi kukonza nyumba. Maprogramu a chithandizo cha m'manyumba osoŵa amathandiza anthu ndi mabanja amene akusoŵa pokhala kapena amene ali pangozi yotaya nyumba zawo.

Programu za Maphunziro

Maprogramu a maphunziro amapanga mwaŵi wa kuphunzira kwa ophunzira a zikhalidwe zonse zachuma. Pell Grant mphoto yaikulu imasungidwa pa $7,395 pa chaka cha 2026 mpaka 2027 pachaka cha 2027, kupereka chithandizo chofunika kwambiri cha ndalama kuti ophunzira apeze ndalama zochepa. Pell Grants safunikira kubwezeredwa ndipo angagwiritsiridwe ntchito pa ndalama, ndalama, chipinda ndi pepala, ndi ndalama zina za maphunziro.

Malikole a ophunzira a Federal amapereka ndalama zochepera za maphunziro a koleji, ndi zosankha zosiyanasiyana za malipiro kuphatikizapo mapulani a ndalama zoyendetsedwa. Programu ya Federal Work-Study imapereka mwaŵi wantchito wanthaŵi yake kwa ophunzira okhala ndi kusoŵa kwa ndalama, kuwalola kupeza ndalama pamene akupeza chidziŵitso cha ntchito. Maprogramu a TRIO amapereka chithandizo cha maphunziro kwa ophunzira ochokera ku ziyambi zapamwamba ndi koleji. Mutu wa Federal Wogwira ntchito amapereka maphunziro apamwamba a ubwana, thanzi, chakudya, ndi mautumiki aumoyo kwa makolo kuti apeze ana ndi mabanja awo otsika.

Maprogramu a Ntchito ndi Ulova

Inshuwalansi ya ulova ndi programu ya boma yogwirizana imene imapatsa ndalama antchito oyenerera, limodzi ndi boma lililonse lopereka programu yapadera ya inshuwalansi ya ulova yotsatira zitsogozo zokhazikitsidwa ndi boma. Mapindu operekedwa kaŵirikaŵiri kwa milungu 26, ngakhale kuti mapindu owonjezereka angakhalepo mkati mwa nyengo za ulova wokulira. Kuti ayeneretsedwa, antchito ayenera kutaya ntchito zawo popanda chifukwa cha iwo eni ndipo ayenera kukwaniritsa ntchito ya boma ndi kukwaniritsa ziyeneretso za malipiro.

Maprogramu a ntchito yopanga maluso ndi maphunziro ofunika pantchito. Maprogramu ameneŵa amaphatikizapo chithandizo cha ntchito, malangizo a ntchito, maphunziro a ntchito, ndi maluso a ntchito. Ndalama za ntchito zosiyanasiyana ndi mautumiki ophunzitsa kuphatikiza pa ma Centers a ku America. Trade Sult Transformation amathandiza antchito amene achotsedwa ntchito chifukwa cha mpikisano wa kumaiko ena mwa kuwapatsa maphunziro, kufunafuna ntchito, ndi kuchirikiza ndalama.

Anthu Odya Njuchi Amapindula

Olandira ndalama amazindikira utumiki ndi kudzimana kwa asilikali mwa kupereka mautumiki owonjezereka. Dipatimenti ya Veterans Affairs (VA) imayang'anira zaumoyo kudzera ku machipatala a Va ndi zipatala m'dziko lonselo, kupereka chisamaliro choyamba, chisamaliro chapadera, mautumiki a zaumoyo, ndi mankhwala operekedwa ndi boma. Opunduka amalipira ndalama mwezi ndi mwezi kwa akatswiri odziŵa bwino ndi zopinga, limodzi ndi ndalama zozikidwa pa ukulu wa matendawo.

GI Bill amapereka maphunziro kwa ozoloŵera ndi odalira pa iwo, kuphimba malo a thumba, nyumba, mabuku, ndi zinthu zothandizira pa koleji, maphunziro a ntchito, ndi maprogramu ena a maphunziro. Ngongole yapanyumba imathandiza anthu akale kugula nyumba ndi njira zabwino, kuphatikizapo kusachepetsa zofunikira zolipiridwa ndi ziwongola za chiwongola dzanja. Maprogramu a penshoni amalandira ndalama za ndalama kwa akalemberedwa ndi okalamba kapena opunduka. Mautumiki a kukonza zothandizira odziŵa ntchito yothandiza okonzekera, kupeza ntchito, ndi kusunga ntchito yabwino.

Maprogramu a Chitetezo cha Anthu

Anthu amene agwira ntchito yapamwamba kwa zaka 10 kapena kuposa pamenepo, amapatsidwa ndalama zolipiridwa mwezi uliwonse malinga ndi malipiro awo amene amagwira ntchito ndipo amalipira misonkho ya anthu amene apuma pantchito.

Social Security Issurability (SDI) imapereka mapindu kwa antchito amene sathanso kugwira ntchito chifukwa cha matenda oyembekezeredwa kukhala kwa nthaŵi yosachepera chaka chimodzi kapena imfa. Opulumuka amapindula ndi ziŵalo za banja za antchito akufa, kuphatikizapo akazi amasiye, amuna amasiye, ndi ana odalira anzawo. Programu imeneyi imapereka chisungiko cha ndalama kwa mamiliyoni a mabanja a ku Amereka ndipo imasonyeza imodzi ya maprogramu achipambano kwambiri olimbana ndi umphaŵi m'mbiri ya dzikolo.

Kumvetsetsa Zofunika Zosagonja

Kuyenerera maprogramu a boma kumadalira pa zinthu zosiyanasiyana zimene zimasiyana ndi mtundu ndi mlingo wa boma. Kumvetsetsa zofunika zimenezi nkofunika posankha maprogramu amene mungayenerere ndi kukonzekera bwino mapulogalamu. Maprogramu ambiri amalingalira njira zosiyanasiyana posankha kukhala woyenerera, ndipo kukwaniritsa chimodzi sikutsimikizira kuyenerera ngati njira zina sizikukwaniritsidwa.

Zofunika Kuti Tipeze Zinthu Zina

Olandira mapindu a boma kaŵirikaŵiri ayenera kutsimikizira kuti ndalama zawo nzapamwamba, zimene zili chigawo china cha mlingo wa umphaŵi wa boma. Malipiro amasiyana kwambiri pakati pa maprogramu ndipo angayambitse pa ndalama za ndalama zopezedwa (pasadakhale misonkho ndi ndalama zokwezedwa) kapena ndalama za khoka (pambuyo pa zochepetsedwa). Maprogramu ena amagwiritsira ntchito zitsogozo zaumphaŵi za boma monga maziko, pamene kuli kwakuti ena amakhazikitsa malo awo a malipiro.

Poŵerengera ndalama zimene mumalandira, maprogramu kaŵirikaŵiri amalingalira malipiro, malipiro, malipiro a ntchito zaumwini, mapindu a Social Security, malipiro a ulova, ndi magwero ena a ndalama zopezedwa nthaŵi zonse. Maprogramu ena amalola zochepetsetsa, monga ngati kusamala ana kapena kulipira kwa mankhwala, zimene zingachepetse ndalama zanu zoŵerengeka. Malipiro angawongoledwe chaka chilichonse kuti musonyeze kusintha kwa mtengo wa moyo. Nkofunika kuzindikira kuti ndalama zimene munthu amapeza zingasiyane ndi kukula kwa banja, ndi mabanja aakulu amene ali ndi ndalama zambiri zopitira ndalama kuposa mabanja aang'ono.

Malire a Zinthu ndi Malire a Chisungiko

Maprogramu ambiri amaika malire pa phindu la katundu kapena chuma chimene mungakhale nacho pamene mukulandira phindu. Masewera ambiri amaphatikizapo maakaunti a ku banki, kuikizira ndalama, katundu weniweni osati malo anu oyamba, ndi magalimoto opitirira mtengo winawake. Maprogramu ambiri saphatikiza nyumba yanu, galimoto yanu, katundu wanu, ndi katundu wanu wa panyumba panu. Maprogramu ena alibe mlingo wa zinthu zofunika, pamene ena amaika malo amene ofunsira sangapitire kupyola.

Kuzindikira chimene chili chofunika kwambiri ndi chimene chikuchotsedwa nkofunika kwambiri pozindikira kuti munthu apeza bwino. Maakaunti a kupuma pantchito angasamalidwe mosiyanasiyana malinga ndi ngati mukupereka kapena kulandira makampani. Malamulo a inshuwalansi a moyo okhala ndi ndalama angadalire ku mlingo wa zinthu zofunika. Maprogramu ena amalola okalamba kapena opunduka kukhala ndi malire apamwamba, kuzindikira kufunika kwawo kwa kusungidwa kwa ndalama pamene akulandira chithandizo.

Kukhala Nzika ndi Zofunika Kuti Ukhale Wokhulupirika

Maprogramu ambiri amafuna kuti mukhale nzika ya United States kapena munthu wosakwanira. Osakhoza kupezeka angaphatikizepo nzika zachikhalire (zokhala ndi makadi a green khadi), othaŵa kwawo, ndi malo ena osamukira ku United States. Programu iliyonse ili ndi malamulo apadera amene anthu osafika kudziko lina afunikira, ndipo maprogramu ena ali ndi nyengo zoyembekezera alendo asanafike kumene angalandire mapindu.

Ziyeneretso za kutsimikizira kuti ofunsirawo amakhala m'boma kapena ulamuliro kumene amagwiritsira ntchito mapindu. Mufunikiradi kupereka umboni wa kukhala ndi malo kupyolera mwa zikalata zonga mafaindi a magetsi, mapangano a kampani, kapena makalata a boma. Maprogramu ena amafuna kuti mukhalebe m'boma, pamene kuli kwakuti ena ali ndi zofunika zenizeni za kukhala. Kumvetsetsa zofunika zimenezi kumakuthandizani kutsimikizira kuti mugwiritsira ntchito ulamuliro wolondola ndi kupereka mapepala oyenerera.

Zofunika Kugwira Ntchito

Maprogramu ena amaphatikizapo zifuno za ntchito kapena ntchito zogwirizana ndi mkhalidwe wa kuyenerera kwa ntchito. Zofunika zimenezi zimalimbikitsa kusintha kwa kukhupuka ndi kuthandiza opindula ndi ntchito. Zofunika zantchito zingaphatikizepo kufunafuna ntchito, kutengamo mbali m'maprogramu a ntchito, kuchita utumiki wa m'chitaganya, kapena kugwira ntchito kwa maola ochepa pa mlungu. Kuchotsako kuli kofala kwa anthu okalamba, opunduka, osamalira ana aang’ono, kapena oyang’anizana ndi zopinga zina za ntchito.

ZIYENZO za ntchito za SNAP zimagwira ntchito kwa achikulire okhoza popanda odalira, kuchepetsa mapindu a miyezi itatu m'nyengo ya zaka zitatu pokhapokha ngati afikitsa ziyeneretso za ntchito zimene zimawonjezera nthaŵi. Inshuwalansi ya ntchito imafunikira odzinenera kufunafuna ntchito ndi kulandira ntchito yabwino. Kumvetsetsa zofunika za ntchito ndi kusaloledwa kopezeka nkofunika kuti musungirira kukhala ndi moyo wabwino ndi kupeŵa zododometsa zopindulitsa.

Kulinganiza Banja

Maprogramu ambiri ali ndi ziyeneretso za boma zozikidwa pa ukulu wa banja ndi tsatanetsatane wa ndalama zimene amapeza. Mmene programu imafotokozera "nyumba" imakhudza kwambiri kukhala wogwira ntchito ndi kupindula. Maprogramu ena amalingalira aliyense wokhala m’nyumba kukhala mbali ya banja, pamene ena amaŵerengera ziŵalo za banja. Kumvetsetsa malamulo a m'nyumba kumatsimikizira mapempho olondola ndi kupindula.

Pamaprogramu a chithandizo cha chakudya, mabanja kwenikweni amaphatikiza anthu amene amakhala pamodzi ndi kugula ndi kukonza chakudya pamodzi. Pazifuno za msonkho, odalira pa misonkho ayenera kukumana ndi maunansi apadera, malo okhala, msinkhu, ndi kuchirikiza. Maprogramu a nyumba angakhale ndi miyezo imene imachepetsa chiŵerengero cha anthu amene angakhale ndi moyo m’chigawo chaching'ono. Kusimba molondola nyimbo zapanyumba kuli kofunika, popeza kuti zolakwa zingatsogolere ku phindu kapena ku zinenezo zolakwika za chinyengo.

Mmene Mungagwiritsire Ntchito Mapindu a Boma

Kugwiritsira ntchito kaamba ka mapindu a boma kungawonekere kukhala kothetsa nzeru, koma kumvetsetsa kachitidwe ndi kukonzekera bwino kungaichititse kukhala yokhoza kuyendetsedwa bwino. Programu iriyonse iri ndi njira zake zogwiritsirira ntchito, koma ambiri amatsatira njira zofanana. Kutenga njira yadongosolo ndi kusonkhanitsa zikalata zofunika musanayambe kudzathandiza kutsimikizira njira yogwiritsira ntchito bwino.

Mfundo 1: Muzisankha Kuti Ndi Maprogramu Ati Amene Mungayenerere

Gwiritsirani ntchito chipangizo chopezera phindu kapena fufuza ndi gulu kuti mudziwe phindu limene inuyo ndi banja lanu mungakhale nalo. Webusaiti ya Boma imapereka chida choonera zinthu zonse zimene zikukufunsani mafunso okhudza vuto lanu komanso ikupereka ndandanda ya mapulogalamu amene mungathe kuyenerera. Chidachi sichifuna kudziwa zinthu zaumwini ndipo chimagwira ntchito ngati maziko abwino kwambiri opezera chithandizo.

Boma ndi mawebusaiti a boma kaŵirikaŵiri ali ndi mapindu awoawo kapena mapulogalamu. Mabungwe a anthu, mabungwe othandiza anthu, ndi maofesi a zamalamulo angakuthandizeninso kukhazikitsa maprogramu ofunika. Ganizirani zofunika zanu / chakudya, nyumba, zosamalira ndalama, maprogramu ofufuza zinthu zofunikira ndi olinganiza kuti athandize. Musaganize kuti simunapambane; ziyeneretso za kuyenerera zingakhale zazikulu kuposa zimene mumayembekezera, ndi maprogramu ambiri amatumikira mabanja ogwira ntchito, osati awo okha opanda ndalama.

Sitepe 2: Sonkhanitsani Malemba Ofunika

Malinga ndi phindu limene mukufunsira, mungafunikire kudzaza fomu ndi kupereka zikalata zina, monga ngati umboni wa ndalama zimene mumalandira, umboni wa malo amene mukukhala. Makalata ambiri amaphatikizapo chilolezo cha boma cha zithunzi (laisensi ya mfuko, ID ya boma, kapena pasipoti) makhadi a Social Security a anthu onse a m’banja, zikalata zoperekera, umboni wa unzika kapena malo a anthu osamukira kudziko, ndi zobwezera zaposachedwapa.

Mungafunikirenso maakaunti a ku banki, mapepala a magetsi osonyeza maadiresi anu, malisiti a nyumba, mapepala a zamankhwala kapena zolemala, umboni wa zowonongedwa monga kusamala ana kapena kugwiritsa ntchito ndalama za mankhwala, ndi zolembedwa za ena alionse. Kukonza mapepalawa musanayambe kufunsira kufunsira kumasunga nthaŵi ndi kuchepetsa kuthekera kwa kuchedwa. Pangani makope a mapepala onse amene mumapereka, ndi kuwasunga pamalo otetezereka. Ngati mulibe ndi mapepala ena, funsani chikalatachoti kuti mufunse za mitundu ina ya kulondola imene angavomereze.

Mfundo 3: Malizitsani Kufotokoza Mfundoyi

Mapulogalamu ambiri a boma tsopano amapereka mafomu a pa Intaneti kudzera pa webusaiti ya bungwe la boma, ndipo amathandiza kuti ntchitoyi ikhale yosavuta komanso yothandiza.

Ngati mungakonde kapena mufuna kugwiritsa ntchito mwaumwini, mungachezere ofesi yanu ya zachuma yakwanu m’maola a bizinesi. Mabungwe ena amalandiranso mafomu papositi kapena pafoni. Ngati amaliza mapempho, ŵerengani malangizo onse mosamalitsa ndi kuyankha funso lililonse. Maprogramu osakwanira angakuchedwetseni kwambiri. Ngati funso silikukhudzani, lembani "N/A" kapena "Ayi" mmalo mosiya popanda kanthu. Khalani oona mtima pa mikhalidwe yanu; kupereka chidziŵitso chonyenga kungabweretse kukana mapindu kapena zinenezo zaupandu.

Mafomu ambiri ndi aatali ndipo atsatanetsatane, amafunikira chidziŵitso chonena za ndalama zimene mumalandira, zowonongedwa, katundu, ziŵalo za banja, ndi mkhalidwe wanu . Mukhale ndi nthaŵi ndi kupenda mayankho anu kaŵiri musanapereke. Ngati mufuna thandizo la kumaliza fomu, mabungwe ambiri amapereka chithandizo kupyolera m’maofesi awo, ndipo mabungwe a chitaganya kaŵirikaŵiri amapereka mautumiki ofunsira.

Sitepe 4: Muziyankhapo pa Nkhani Yofunsa

Pamasiku 30 pambuyo pa kufunsira kwanu, mudzafunikira kumaliza kufunsa mafunso ndi kupereka umboni (kutsimikizira) wa chidziŵitso chimene munapereka, ndi kufunsa komaliza pa foni kapena mwa munthu. Kufunsako kulola wopereka mayeso kumasulira chidziŵitso, kufunsa mafunso otsatira, ndi kutsimikizira kuti iwo ali ndi chidziŵitso chokwanira cha mkhalidwe wanu.

Konzekerani kufunsa mafunso anu mwa kupendanso fomu yanu ndi kusonkhanitsa zikalata zina zimene bungwelo linapempha. Khalani wokonzeka kufotokoza mmene mulili, kumene mumalandira ndalama, ndalama zimene mumawononga, ndi chifukwa chake mufunikira thandizo. Yankhani mafunso moona mtima ndiponso kotheratu. Ngati simukumvetsa funso, funsani kaamba ka kumasulira. Wochita ntchitoyo alipo kuti athandize kudziŵa kuti muli ndi mphamvu, osati kuweruza mikhalidwe yanu.

Ngati muli ndi vuto la kulankhulana m'Chingelezi, pemphani womasulira. Ngati muli ndi vuto limene limayambukira kulankhulana, pemphani malo ogona oyenera. Muli ndi ufulu wa kubweretsa wina kwa inu kuti akufunseni mafunso, ngakhale kuti iwo sangakhoze kuyankha mafunso anu pokhapo ngati ali woimira wanu wololedwa. Sonkhanitsani pamene mukufunsa, kuphatikizapo dzina la wopereka mayeso ndi malangizo alionse amene amapereka.

Sitepe 5: Yembekezani Kuti Musankhe Zochita

Nthaŵi zambiri, mukapereka pempho lanu, bungwe lanu la boma kapena ofesi yakwanuko lidzakonza ndi kukutumizirani chidziŵitso chakuti kaya muyenere kupindula kapena ayi m’masiku 30. Maprogramu ena amakhala ndi nthaŵi yachidule yokonza, makamaka ya mavuto adzidzidzi. Inishuwalansi ya ulova, imatenga milungu iŵiri kapena itatu pambuyo pa kutumiza shekesi yanu yoyamba kuti mulandire phindu.

Mukadikira, bungweli lingakufunseni kuti mudziwe zambiri kapena mulembe zinthu zina. Mukhoza kufunsa mwamsanga ngati mukufuna kuti musamachedwe. Mukhoza kufunsa kampaniyo kuti mudziwe ngati mukugwira ntchito pa Intaneti kapena ngati simunasankhepo kanthu pa pulogalamu ya nthawi imene mwalemba.

Ngati mwalandira chosankha, chiŵerengeni mosamalitsa. ngati chilozerocho chidzalongosola phindu lanu, pamene mapindu anu adzayamba, ndi zofunika zilizonse zopitirizabe zimene muyenera kuzikwaniritsa. Ngati zofunikirazo zikanaperekedwa, chidziŵitsocho chiyenera kulongosola chifukwa chake mukana kutero ndi kuyenera kwanu kupempha.

Sitepe 6: Zindikirani Ufulu ndi Udindo Wanu

Ngati simukugwirizana ndi zimene mwasankha, mukhoza kupempha kuti mkulu wa boma amene akufunika ndi lamulo amve nkhani yanu pa nthawi yake, kuti azikulemekezani ndiponso kuti mukhale ndi ulemu, kuti nkhani zanu zikhale zachinsinsi, ndiponso kuti mupemphe kuti mumve zimene mukusiyanazo.

Udindo wanu umaphatikizapo kufotokoza kusintha kwa zinthu zimene zingakhudze ndalama zimene mumalandira, kulembedwa kwa nyumba, adiresi, kapena malo a ntchito. Muyenera kusimba kusintha kumeneku m'nthawi imene pulogalamuyo yatchula, makamaka pa masiku 10 okha. Kulephera kulemba masinthidwe kungachititse kuti mubweze ndalama zochuluka kwambiri, kapena ngakhale ndalama zimene munalipira pa zinthu zikuluzikulu.

Mulinso ndi thayo la kutsimikizira kukhazikika kwanu pa nyengo zanthaŵi zonse, zimene zingakhale miyezi isanu ndi umodzi iriyonse, chaka ndi chaka, kapena pa nyengo zina kudalira pa programu. Bungwelo lidzakudziŵitsani pamene kulembedwanso kwatsopano kwayenerera ndi chidziŵitso chimene mufunikira kupereka. Kusoŵa kwa masiku a kulembedwanso kungatulutse phindu la kutha, kukufunikiritsani kututa ndi kupeza mpata m’kuthandiza.

Maprogramu Othandiza Boma Lofala Molongosoka

Programu ya Chithandizo cha Zakudya Zowonjezera (SNAP)

SNAP, yomwe kale inkadziŵika monga zidindo za chakudya, ndiyo programu yaikulu ya dziko ya chakudya, kuthandiza mamiliyoni a anthu olandira ndalama zochepa ndi mabanja kugula chakudya. Mapindu amaperekedwa kupyolera mwa khadi la Electronic Benefit Transfution (EBT) limene limagwira ntchito monga khadi lochotsera anthu ogulitsa zakudya zovomerezeka. Phindu la SAP lingagwiritsiridwe ntchito kugula zakudya zambiri zodyedwa panyumba, kuphatikizapo zipatso, ndiwo zamasamba, nyama, zakudya za mkaka, mkate, zakudya, ndi mbewu kuti zikule. Mapindu amwa sagwiritsidwa ntchito monga moŵa, fodya, zakudya zotentha, mavitameni, kapena zinthu zina zopanda chakudya.

Kukhoza kwa SNAP kumachokera pa ndalama zimene anthu okalamba, ndalama, ndi zinthu zina zowonongedwa. Mabanja ambiri ayenera kukwaniritsa malire a ndalama zimene amapeza (asanagule ndalama) ndi ndalama zimene amapeza (wopeza atalandira ndalama zovomerezeka). Malo ogona angaphatikizepo ndalama zimene mungathe kulipira, ndalama zimene mumalandira, ndalama zolipirira, ndalama zimene okalamba kapena opunduka amalipira, ndiponso ndalama zimene mumalandira pogona. Ndalama zimene mumalandira zimadalira pa msinkhu wa nyumba yanu ndi ndalama zimene mumapeza pa khofi, pokwaniritsa ndalama zimene mumapeza pogula chakudya chanu chambiri.

Muyenera kufunsira SNAP m'boma limene mukukhala panopo, ndipo chifukwa chakuti boma lililonse lili ndi mtundu ndi njira yogwiritsira ntchito yosiyana, mungalankhule ndi bungwe la boma lanu mwa kuyendera ofesi yakwanu ya SNAP, kuchezera webusaiti ya boma lanu, kapena kuitana ndalama za boma lanu zokhala ndi SNAP Information . Maboma ambiri tsopano amapereka maseŵero a pa Intaneti ndi macheza a pa telefoni, kupangitsa kuti ntchitoyo itheke. Mapindu a SNAP amatsimikiziridwa bwino pa miyezi 6 iliyonse mpaka 12 ikuluikuluikulu, malinga ndi mmene zinthu zilili m’banja lanu.

Medicaid

Medicaid ndi programu yogwirizana ya boma yopereka chithandizo chamankhwala kwa mamiliyoni a Aamereka, kuphatikizapo achikulire olandira ndalama zochepa, ana, akazi apakati, achikulire, ndi anthu olumala. Medicaid ndi gwero limodzi lalikulu la machiritso aumoyo ku United States, akuphatikizapo anthu oposa 80 miliyoni. Programuyi imalipira kaamba ka machiritso ambiri, kuphatikizapo maulendo a madokotala, chisamaliro cha m’chipatala, mankhwala operekedwa ndi dokotala, kutetezera, mautumiki a zaumoyo, ndi chisamaliro chanthaŵi yaitali.

Kukhoza kwa Medicaid kumasiyana malinga ndi boma chifukwa mayiko ali ndi ufulu woika ndalama zoyendera komanso magulu ogwirizana. Affordal Care Act inawonjezera kulephera kwa Medicaid m'mayiko amene ali ndi mbali m'zochitikazo kuphatikizapo achikulire amene ali ndi ndalama zokwana 138% ya umphaŵi wa boma. Si mayiko onse amene atengera kukula kwa dzikolo, zimene zimachititsa kuti pakhale kusiyana kwakukulu m'dziko lonse. Ana ndi akazi oyembekezera ali ndi polekezera ndalama zimene amapeza kuposa anthu achikulire amene alibe ana.

Kugwiritsira ntchito Medicaid kungachitidwe kupyolera mwa bungwe la boma lanu la Medicaid, kupyolera mwa Health Inshuwalansisnce Mendare Medocare.gov, kapena ku ofesi ya mautumiki a zaumoyo yakwanu. Maboma ambiri asankha njira zolembera zimene zimakulolani kufunsira Medicaid ndi mapindu ena panthaŵi imodzi. Ngati mupeza kuti muyenerera, kuulutsa kumayamba mwezi umene munagwiritsira ntchito kapena mwezi umene munakhala woyenerera, ndipo mungathe kulipira kaamba ka zikalata za mankhwala kuyambira pa miyezi itatu musanafunsidwe.

Ntchito Yosankha Nyumba (Chiphunzitso 8)

Program ya Chosankhira Voucher, yomwe imatchedwa chigawo 8, ndiyo programu yaikulu ya boma yothandiza mabanja opeza ndalama zochepa kwambiri, okalamba, ndi anthu opunduka apeza nyumba zabwino, zotetezeka, ndi zaukhondo pamsika wa munthu. Otenga mbali angasankhe nyumba iliyonse imene imagwirizana ndi programu, kuphatikizapo nyumba za banja limodzi, nyumba za tauni, ndi nyumba zogonamo. Programu ya nyumba yosankhidwa ya boma imayendetsedwa ndi mabungwe a anthu onse (PH).

Banja lolandira chikalata chosonyeza nyumba likulipira pafupifupi 30 peresenti ya ndalama zake zosinthidwa mwezi ndi mwezi za lendi ndi zamagetsi, ndipo PHA imalipira zotsalazo mwachindunji kwa mwini nyumba. Kulephera kumagamulidwa ndi PHA malinga ndi ndalama zonse zapachaka ndi ukulu wa banja, ndipo kuli kokha kwa nzika za U.S. ndi magulu otchulirapo a anthu osakhala a m'zipatala zoyenerera.

Kufuna kwa olemba malo ogona kumaposa kuperekedwa, ndipo ambiri a PH monga momwe alili ndi mpambo wa kuyembekezera wautali. Ena monga momwe angatsekere mpambo wawo woyembekezera pamene ali ndi mabanja ambiri kuposa amene angawathandize m’tsogolo muno. Pochita zimenezi, mufunikira kupereka chidziŵitso chonena za kulembedwa kwa banja, ndalama, chuma, ndi chiŵalo chilichonse cha banja chopunduka. Ngati nchovomerezedwa, mudzapeza woimira ndi kukhala ndi nthaŵi yochepa (makamaka 60 -20 masiku) kuti mupeze nyumba yabwino ndi kuivomereza ndi PHA.

Inshuwalansi ya Ulova

Department of Labor’s inshuwalansi ya antchito ya United States imapereka mapindu a ulova kwa antchito omwe ali oyenera kukhala malova popanda chifukwa chawo ndi kukwaniritsa ziyeneretso zina zofunikira kupatsidwa. Programuyi imapereka chichirikizo cha ndalama zopezedwa kwakanthaŵi pamene mukufunafuna ntchito yatsopano. Mapindu alinganizidwira kulowa mmalo mwa malipiro otayika, makamaka kupereka theka la malipiro anu apitawo kufikira pa unyinji wa boma.

Kuti mulandire mapindu a inshuwalansi ya ulova, mufunikira kulemba chikalata ndi pulogalamu ya inshuwalansi ya ulova m'boma limene munagwirako ntchito, ndipo malinga ndi boma, zinenezo zingasungidwe pamaso pa munthu, pa telefoni, kapena pa Intaneti. Muyenera kulemba zimene munena mwamsanga pambuyo pa kukhala malova, monga mapindu amene sakwaniritsa nthaŵiyo musanalembe kulemberani. Ngati mulemba, mufunikira chidziŵitso chonena za ntchito yanu yaposachedwapa, kuphatikizapo maina a abwana anu, maadiresi, masiku a ntchito, ndi chifukwa cha kulekana.

Kuti mupitirize kulandira mapindu, muyenera kufikitsa zofunika zopitirizabe, zimene kaŵirikaŵiri zimaphatikizapo kufunafuna ntchito, kukhala wokhoza ndi wopezeka kuntchito, ndi kuvomereza ntchito yoyenerera kuperekedwa. Mudzafunikira kulemba mafaelo mlungu ndi mlungu kapena mlungu kutsimikizira kuti mufikiritsa zofunika zimenezi. Maboma ambiri amafuna kuti mulembetse ndi ntchito ya boma ndi kukonza ntchito zanu. Mapindu okhalitsa kwa milungu 26, ngakhale kuti zimenezi zimasinthasintha ndi mapindu owonjezereka angakhalepo mkati mwa nyengo za ulova wokulira.

Aid Yothandiza Ophunzira ya Federal

Chithandizo cha ophunzira cha Federal chimathandiza ophunzira ndi mabanja awo kulipirira maphunziro a ku koleji kapena a ntchito. Dipatimenti ya Maphunziro ya United States imapatsa ndalama, loni, ndi ndalama zogwirira ntchito kuthandiza kupanga maphunziro kupyola sukulu yasekondale yokhoza. Mosiyana ndi ngongole za ophunzira aumwini, chithandizo cha ophunzira a boma chimapereka mapindu onga ngati malipiro okhazikika, makonzedwe a malipiro obweretsedwa, ndi maprogramu othekera a kukhululukira.

Kuti afunsire kaamba ka chithandizo cha ophunzira a boma, ophunzira ayenera kumaliza Free Application for Federal Students Aid (FAFSA) chaka chilichonse iwo akufuna kulandira chithandizo. FAFASA imasonkhanitsa chidziŵitso cha ndalama ponena za wophunzira ndi banja lawo kugamula za Kupereka Kwabanja Koyembekezeredwa (EFC) ndi kuthekera kwa chithandizo chofunikira. Kufunsirako kumatsegulidwa pa October 1 chaka chirichonse kaamba ka chaka chotsatira cha maphunziro, ndipo ophunzira ayenera kugwiritsa ntchito mofulumira monga momwe kungathekere chifukwa chakuti chithandizo china chaperekedwa pa zopereka zoyambirira, maziko oyamba.

Federal Pell Grants ndi maziko a chithandizo cha ophunzira a boma, kupereka ndalama zofunikira kwa ophunzira otsika olandira ndalama. Mosiyana ndi ngongole , ndalama sizifunikira kulipiridwa kusiyapo m’mikhalidwe ina. Ndalama za ophunzira a Federal zimaphatikizapo za Chikole cha Nyenerezo cha Ofesi Ochepa kwa ophunzira osoŵa ndalama, Kuthandiza ophunzira a Loanded ndi omaliza maphunzirowo kupeza ndalama zothandizira pamtengo wa pansi pa thumba, ndi PLUS Loans wa makolo a ophunzira ndi ophunzira omaliza maphunziro. Federal Wogwira ntchito ndi Study imagaŵira ntchito yaganyu yaganyu ya ophunzira okhala ndi zosoŵa za ndalama, kuwalola kupeza ndalama zothandizira maphunziro.

Mfundo Zothandiza Kuti Tizitsatira Bwino Makonzedwe a Boma

Musamalembe Nkhani Zosaimbidwa Mogometsa

Kusunga zolembedwa zolinganizidwa za kugwirizana kwanu ndi mabungwe a boma nkofunika kwambiri kuti muthe kugwiritsa ntchito bwino mapindu anu. Pangani faira kapena mafaelo opatulidwa a programu iliyonse imene mumachita, ndi kusunga makope a maseŵero, macheke, makalata, ndi zothandizira. Kopera deti, nthaŵi, ndi dzina la munthu aliyense amene mumalankhula naye, limodzi ndi chidule cha kukambitsirana. Sungani malo a makalata alionse amene mumapereka kapena ndalama zoloŵetsedwa pa fomu yanu yofunsira.

Mabuku ameneŵa amakutetezani ngati pabuka mafunso okhudza kuchuluka kapena phindu la ndalama zanu. Kumapangitsanso kukhala kosavuta kutsimikizira kuti mudzapeza chidziŵitso chonse chofunikira. Ngati mukufuna kukopa chosankha, zolemba zanu zidzakhala umboni wofunika. Ganizirani kusunga makope onse aŵiri a zolembedwa zofunika kwambiri kuti mutetezedwe.

Tidzadziŵana ndi Mizere Yakufa Yonse

Maprogramu a boma amagwira ntchito pa mizera yanthaŵi yolimba, ndipo nthaŵi zophonya zingatuluke m'mapindu ochedwetsa, phindu, kapena kukana kugwiritsa ntchito kwanu. Madeti ofunika pakalendala, kuphatikizapo masiku otsatizana, masiku olemba mawu, kusimba masiku a ntchito, ndi masiku ofunsira. Ikani zikumbutso pasadakhale kuti mukhale ndi nthaŵi yosonkhanitsa chidziŵitso chofunika ndi kuchita zinthu zofunikira.

Ngati muzindikira kuti mudzaphonya nthaŵi yoikidwiratu, funsani bungwelo mwamsanga kuti mufotokoze mkhalidwe wanu. Mabungwe ena angapereke zowonjezera kaamba ka chifukwa chabwino, koma muyenera kuzipempha zisanathe. Ngati muphonya nthaŵi ndi mapindu, mungafunikire kututa, zimene zingapange mpata wa chithandizo panthaŵi imene mukufunikira kwambiri.

Pitani Mwamsanga

Maprogramu ambiri amafuna kuti munene masinthidwe a mikhalidwe yanu mkati mwa ndandanda ya nthaŵi, makamaka masiku 10. Kusintha kumene kuyenera kusimbidwa kaŵirikaŵiri kumaphatikizapo kusintha kwa ndalama, malo a ntchito, kulemba zapanyumba, adresi, chuma, kapena ndalama zimene mukuwononga. Ngakhale ngati simukutsimikizira kuti kusinthako kungakhudze kulephera kwanu, kuli bwino kusimba ndi kulola bungwelo kutsimikiza zimenezo.

Kulephera kusimba masinthidwe kungachititse kulipira mopambanitsa kumene mudzafunikira kulipirira, mwina ndi chilango. Pankhani zazikulu, kulephera kusimba masinthidwe kungalingaliridwe kukhala chinyengo, kutulukapo mlandu wa upandu, malipoti, ndi kuchotsedwa kotheratu kwa maprogramu. Mabungwe ambiri amapanga kukhala kosavuta kupereka masinthidwe pa makhonti a pa Intaneti, mafoni otentha, kapena maulendo a pafoni.

Pemphani Thandizo Ngati Likufunika

Kukhazikitsa maprogramu a boma kungakhale kovuta, ndipo simufunikira kuzichita nokha. Chuma chochuluka chiripo kukuthandizani kumvetsetsa maprogramu, mapempho athunthu, ndi kuthetsa mavuto. Mabungwe a mautumiki a anthu kaŵirikaŵiri amakhala ndi antchito odzipereka kuthandiza anthu kaamba ka mapindu. Mabungwe a ntchito a chitaganya, mabungwe a za chithandizo chalamulo, ndi opereka chithandizo chaulere ndi mapempho ndi zifunsi.

Malaibulale ambiri amathandiza makompyuta ndi Intaneti kuti muthe kugwiritsa ntchito mawebusaiti a boma. Mabungwe ena amapereka mapindu opimira ndi kugwiritsa ntchito makamaka okalamba, anthu odziwa ntchito, olumala, kapena anthu ena. Musazengereze kufunsa mafunso kapena kupempha thandizo. Mapulogalamuwa alipo kuti athandize inuyo, ndipo mabungwe amafuna kuonetsetsa kuti anthu oyenerera akulandira chithandizo chimene akufuna.

Dziŵani Ufulu Wanu wa Kukopa

Ngati fomu yanu yaletsedwa kapena mapindu anu achepetsedwa, muli ndi kuyenera kwa kukopa chosankha. Zoyenera za apilo ndi njira zoyendetsera zimasiyanasiyana ndi pulogalamu, koma kaŵirikaŵiri muyenera kupempha pempho m'kulemba mkati mwa frame ya nthaŵi yakutiyakuti, kaŵirikaŵiri masiku 30 mpaka 90 kuchokera pa deti la chidziŵitso. Kachitidwe ka apilu kachidziŵitso kamaphatikizapo kumvetsera kwa mkulu wa akumva kapena woweruza walamulo wopanda tsankho.

Mkati mwa mlanduwo, mungapereke umboni, kuitana mboni, ndi kulongosola chifukwa chake mumakhulupirira kuti chosankha cha bungwelo chinali cholakwika. Muli ndi kuyenera kwa kuimira, ngakhale kuti mudzafunikira kulinganiza zimenezi monga momwe boma silingaperekere loya wanu. Mabungwe alamulo angathandize kufunsira. Konzekerani bwino makutu anu mwa kusonkhanitsa zikalata zonse zofunika, kulinganiza umboni wanu, ndi kukonzekera mafotokozedwe omveka a malo anu.

Dziŵani za Amisiri

Mwatsoka, mbala zambiri achinyengo amabera anthu ofuna mapindu a boma. Samalani ndi aliyense amene amakulankhulani kuti ndi wa bungwe la boma ndi kupempha chidziŵitso chaumwini, malipiro, kapena kuchitapo kanthu mwamsanga. Mabungwe a boma sadzaitana, kutumiza intayi, kapena kulemba makalata ofuna kuti apereke ndalama kapena kumangidwa mwamsanga. Samafuna kulipira kudzera m’makadi a mphatso, kutumiza mawaya, kapena kutumiza zinthu mwachinyengo.

Nthaŵi zonse tsimikizirani kuti ndani amene amanena kuti amaimira bungwe la boma mwa kuimbira foni bungwelo foni mwachindunji pogwiritsa ntchito nambala ya foni imene mupeza panokha, osati imodzi yokha yoperekedwa ndi woimba foni. Samalani ndi mawebusaiti amene amakulipirani kuti akuthandizeni kufunsira maprogramu aulere a boma aulere. Pamene kuli kwakuti mautumiki ovomerezeka a zofunsira za boma alipo, mungathe nthaŵi zonse kugwiritsa ntchito mwachindunji pawebusaiti za boma popanda mtengo. Mawebusaiti a boma amathera mu .gov, ndipo muyenera kukayikira malo amene ali ndi mapulogalamu ena a boma amene amati akupereka mautumiki a boma.

Zinthu Zothandiza Kupeza ndi Kugwiritsa Ntchito Maprogramu a Boma

Mawebusaiti a Boma

Malo apakati a mapulogalamu ambiri a boma ndi USA.gov, amene amagwira ntchito ngati khomo, kukutsogolerani ku mabungwe a boma ndi ntchito. Webusaiti yodziwika bwino imeneyi imapereka chidziŵitso chonena za ntchito za boma, mapindu, ndi maprogramu, ndi magulu ogwirizana ndi mapulogalamu, ndi zinthu zosavuta kutchula monga mapindu ndi ndalama, zogulira thanzi, ndalama, misonkho, ndi ulendo. Malowawa amathandiza kuti mudziwe mapulogalamu amene mungayenere malinga ndi mikhalidwe yanu.

Mapindu.gov ndi chinthu china chofunika, kupereka ndandanda ya maprogramu opindulitsa a boma ndi chiŵiya choonera chimene chimafunsa mafunso okhudza mkhalidwe wanu ndi kupereka mpambo wa maprogramu amene mungayenerere. Malowo ali ndi chidziŵitso chatsatanetsatane chonena za programu iliyonse, kuphatikizapo zofunika, mmene mungagwiritsire ntchito, ndi chidziŵitso. Health Care.gov ndi malo a kugulitsirako a zaumoyo pansi pa Affordica Care Act, kumene mungayerekezere mapulani, kugwiritsa ntchito popereka pulogalamu, ndi kuona ngati muyenerera kaamba ka ndalama zothandizira kapena Madi.

Bungwe la boma limodzi lokha limasunga mawebusaiti awo ndi chidziŵitso chatsatanetsatane ponena za maprogramu awo. Bungwe la Social Security Administration (SA.gov) limapereka chidziŵitso chonena za kupuma pantchito, kupunduka, ndi opulumuka. Mawebusaiti a Zakudya ndi Nutrition Service (FS.Fus.gov) akupereka chidziŵitso chodalirika kwambiri ponena za SNAP ndi maprogramu ena a chakudya. Dipatimenti ya Howate and Urban Development (H.G.SV) imapereka ndalama zothandizira ntchito za mapulogalamu a nyumba.

Boma ndi Chuma Chakumene Amakhala

Mabungwewa amayang’anira ntchito za boma ndipo amathandiza anthu amene akukhala m’dzikolo. Mawebusaiti a boma amaphatikizapo mapulogalamu a pa Intaneti, mafomu ofunsira chithandizo pa Intaneti, mapulogalamu ofunsira thandizo pa Intaneti komanso malo ena a ofesi.

Mayiko ambiri apanga njira zothandizira anthu kuti azitha kugwiritsa ntchito mapulogalamu osiyanasiyana pogwiritsa ntchito njira imodzi. Makompyutawa amathandiza anthu amene apempha thandizo kuti apeze thandizo losiyanasiyana. Maboma a m’chigawo ndi m'makampani amathandizanso mapulogalamu komanso chithandizo chamwadzidzidzi, ndipo angakutsogolereni ku zinthu zofunika.

Maofesi a zaumoyo akupereka chithandizo kwa anthu a m'dzikolo mwa kufunsira, kutsimikiza mtima, ndi kuyang'anira nkhani. Ogwira ntchito atha kuyankha mafunso, kukuthandizani kumaliza mapempho, ndi kukugwirizanitsani ndi zipangizo zina za anthu. Ngakhale kuti mautumiki ambiri alipo tsopano, maofesi akumeneko adakali ofunika kwambiri, makamaka kwa anthu amene alibe Intaneti kapena amene amafunikira thandizo laumwini.

Mabungwe a Anthu ndi Zosapindulitsa

Mabungwe ambiri a chitaganya ndi mabungwe osapanga phindu amapereka chithandizo chaulere ndi mafunsidwe a boma. Community Action Actment, yopezeka pafupifupi m'chigawo chilichonse, imathandiza anthu ndi mabanja kupeza ndalama zochepa ndi ntchito. Mabungwe ameneŵa kaŵirikaŵiri amapereka mapindu a kupima, chithandizo cha makampani, ndi kutumiza. United Way's 2-1-1 amagwirizanitsa anthu a paulendo ndi chuma chakwawo, kuphatikizapo chidziŵitso chonena za maprogramu a boma ndi mabungwe amene angathandizire ndi maseŵero.

Mabungwe othandizira anthu olandira ndalama zochepa amathandiza kwaulere, kuphatikizapo kuthandiza ndi mafunsiro opindulitsa, zikalata, ndi mikangano ndi mabungwe. Mabungwe Oona za Ukalamba amatumikira achikulire ndi owasamalira, akumapereka chidziŵitso cha Medicare, Social Security, ndi maprogramu ena a achikulire. Bungwe la ankhondo a ku Officea limathandiza akatswiri a ntchito ndi mabanja awo kuyendetsa Va ndi maprogramu ena. Mabungwe a chikhulupiriro odalira pa chakudya, mabanki, ndi nyumba zogona zosowa kaŵirikaŵiri amakhala ndi antchito kapena antchito odzifunira kuthandiza anthu ndi chithandizo cha boma.

Mafoni Otentha ndi Malo Othandizira

Mabungwe ambiri a boma akugwira ntchito yotentha yosawononga ndalama kumene mungapeze chidziŵitso, kuyang'ana malo ofunsira, kapena kulankhula ndi nthumwi. Nambala ya boma yopanda malipiro (1800-77-1213) imapereka chidziŵitso cha maprogramu onse a Social Security. USDA National Hunger Hotline (1-866-3-UNGRY) imathandiza anthu kupeza maprogramu a chithandizo cha chakudya. Dipatimenti ya ntchito yothandiza anthu kupeza ndalama zaulerefu (877-US - 2 JOBS)

Mabungwe a boma amagwiritsira ntchito njira zawozawo popanga mapulogalamu. Manambala ameneŵa amandandalikidwa pa mawebusaiti a bungwe ndi m'zopangapanga. Pamene kuli kwakuti nthaŵi zoyembekezera zingakhale zazitali, mapulogalamu otentha nthaŵi zina amathandiza anthu amene afunikira kulankhula mwachindunji kapena amene alibe Intaneti. Poitana, mukhale ndi nambala yanu ya chopereka ndi chidziŵitso choyenerera chokonzeka kukuthandizani.

Mtsogolo mwa Maprogramu a Boma

Kumvetsa zimene zikuchitika panopa ndiponso malangizo amene timalandira kungakuthandizeni kudziwa zimene zingadzasinthe pa moyo wanu kapena zimene zingakuthandizeni kupeza njira zatsopano zokuthandizani.

Kusintha kwa Magetsi

Mabungwe a boma akusintha kwambiri zinthu pa Intaneti, ndipo zimenezi zikuthandiza kuti anthu azifunsira thandizo, kuyang’ana malo a kampani, kusintha kwa mafomu, ndi kusamalira vuto lawo. Makinawa achepetsa kufunika kwa maulendo oyendera ndi olemba, kufulumizitsa nthawi zoyendera ndiponso kukonza zinthu molondola. Makompyuta a m’manja akupangidwa kuti athandize anthu kudziwa zambiri kudzera m’mafoni, pozindikira kuti anthu ambiri amalowa pa Intaneti makamaka kudzera m’makompyuta.

Ngakhale kuti makompyuta amathandiza anthu ambiri kukhala ndi moyo wabwino, mabungwe amafunika kuonetsetsa kuti anthu amene alibe luso la pa Intaneti lotha kuwerenga ndi kulemba atha kupezabe mapindu. Kusunga mafoni, foni, ndi makompyuta n’kofunika kwambiri pothandiza anthu osiyanasiyana. Pamene luso la zopangapanga likupita patsogolo, mabungwe akuyesetsa kukonza njira zothandizira anthu olandira makompyuta kuti akhale otetezeka komanso kuti ateteze chidziŵitso chawo chaumwini.

Kulandira Ana Otumikira Mosaloledwa

Mayiko ambiri akuyendera njira zogwirizanitsa anthu zimene zimalola anthu kugwiritsa ntchito mapulogalamu ambiri kudzera pa imodzi. Izi zikusonyeza kuti mabanja amafunikira thandizo la mitundu yosiyanasiyana ndipo amachepetsa ntchito yoyang’anira yomaliza mapulogalamu osiyanasiyana. Madongosolo opangidwa ndi mapulogalamu angawongolerenso kugwirizana kwa mapulogalamu, kutsimikizira kuti anthu alandira mapindu onse amene ali oyenerera.

Kugaŵana zinthu pakati pa mabungwe, ngati kuchitidwa ndi zitetezero zoyenerera zachinsinsi, kungatsimikizire ndi kuchepetsa mtolo wa zolembedwa kwa ofunsira. Mwachitsanzo, ngati bungwe lina latsimikizira kale ndalama zanu, bungwe lina lingakhoze kugwiritsira ntchito chidziŵitso chimenecho mmalo mwa kukufunitsani kutumizanso zikalata zofanana. Kuwongolera kumeneku kungapangitse dongosololo kukhala logwirizana ndi laubwenzi wochuluka ndi wokhoza kugwiritsa ntchito bwino.

Kusintha kwa Kayendetsedwe ka Ntchito ndi Kupereka Ndalama

Maprogramu a boma ali okhoza kusintha mwa malamulo, malamulo, ndi kayendetsedwe ka ulamuliro. Zofunika za kuyenerera, mapindu, ndi malamulo a programu zingasinthe mogwirizana ndi zinthu zofunika za ndale zadziko, zopinga, ndi kuchotsa kumvetsetsa kwa zimene zimagwira ntchito bwino kutumikira anthu osoŵa. Kudziŵa za masinthidwe a malamulo amene angayambukire mapindu anu nkofunika kuti musungebe kukhala wokondwa ndi kulinganiza mtsogolo.

Makampani a zachuma akonza njira za kayendetsedwe ka zinthu zapachaka, ndipo ndalama zimene mumapereka zingasinthe malinga ndi zinthu zofunika kwambiri ndiponso kukambirana za bajeti. Maprogramu ena ali ndi ndalama zoyendetsera ntchito zimene zimapitiriza, pamene ena amafuna kuti pachaka pakhale mayeso ndipo angaonedwe mokayikira. Kumvetsa mmene maprogramu amathandizira kuyembekezera kusintha ndi kuchirikiza maprogramu amene mumadalira.

Kumaliza

Maprogramu a boma amapereka chichirikizo chofunika kwa mamiliyoni a Aamereka, kuthandiza anthu ndi mabanja kukwaniritsa zosoŵa zazikulu, chisamaliro cha zaumoyo, kulondola maphunziro, ndi kusunga kukhazikika kwa chuma panthaŵi zovuta. Kumvetsetsa malo a maprogramu opezeka, zofunika zoyenerera, ndi njira zogwiritsira ntchito kukuthandizani kupeza chithandizo chimene mufunikira. Pamene kuli kwakuti maprogramu a boma nthaŵi zina angamve kukhala ochulukitsitsa, zinthu zambiri zofunikira zikupezeka kukuthandizani kupyola mchitidwewo.

Kumbukirani kuti maprogramu ameneŵa alipo kuti akutumikireni, ndipo palibe manyazi kufunafuna chithandizo pamene mukufunikira. Mabanja ambiri ogwira ntchito ndi anthu ena amene akuyang'anizana ndi zopinga za kanthaŵi amapindula ndi maprogramu a boma. Mwa kugwiritsira ntchito chithandizo chimene chilipo, mungasumike maganizo pa kuwongolera mkhalidwe wanu ndi kugwirira ntchito kulinga ku bata ndi kukhazikika kwanthaŵi yaitali ndi kudzidalira.

Khalanibe odziŵitsidwa za maprogramu amene angapindulitse inu ndi banja lanu, sungani zolembedwa za zochita zanu ndi mabungwe, kwaniritsani nthaŵi zonse ndi zofunika zopereka lipoti, ndipo musazengereze kufunafuna chithandizo pamene mukufunikira. Kaya muyang'anizana ndi vuto la kanthaŵi kapena kulimbana ndi mavuto anthaŵi yaitali, maprogramu a boma angapereke chichirikizo chofunika kwambiri kukuthandizani inu m’nthaŵi zovuta ndi kukulitsa mtsogolo mwabwinopo.

Kaamba ka chidziŵitso chowonjezereka ponena za maprogramu akutiakuti ndi kuyamba njira yofunsira, chezerani USA.gov , .Bomafit .gov, kapena kutumiza makampani a boma anu a mautumiki a anthu. Chuma ndi chithandizo china chimapezeka kudzera mwa mabungwe a boma, maofesi othandizira anthu, ndi mamaofesi akwanu.