Table of Contents

Kuyang'anira malo ovuta a boma ndi mautumiki kungakuvuteni, koma kuzindikira zimene zilipo ndi mmene mungachitire maprogramu ameneŵa n’kofunika kwa anthu mamiliyoni ambiri a ku America. Kaya muyang'anizana ndi mavuto a zachuma, kukonzekera zopuma pantchito, kuyang'anira zosamalira zaumoyo, kapena kungoyesa kukwaniritsa, maboma a boma ndi boma amapereka maprogramu ambiri othandiza olinganizidwa kuchirikiza nzika za anthu m’nyengo zosiyanasiyana ndi mikhalidwe. Chitsogozo chimenechi chingakuthandizeni kumvetsa mapindu aakulu a boma, zofunika kulephera kugwiritsa ntchito ntchito ntchito ntchito, ndi njira zothandizira kuwonjezera chithandizo chimene mungakhale nacho ndi udindo wolandira.

Kumvetsetsa Chiyeso cha Umphaŵi ndi Zitsogozo Zosagonjetseka

Maziko a maprogramu ambiri a chithandizo cha boma amayamba ndi Federal Poverty Lequence (FPL), kupima kofuna ndalama kumene kumasonyeza phindu la maboma ndi boma. Federal Poverty Level ndi mlingo wa ndalama zoperekedwa chaka chilichonse ndi Dipatimenti ya Zaumoyo ndi za Anthu ku United States (HS) ndipo amagwiritsidwa ntchito kutsimikizira kuti kuli bwino maprogramu a boma ndi boma, kuphatikizapo Médicaid, SNAP, ACACCCF, ndi zina zambiri.

2026 Federal Poverty Levence ya munthu wosakwatira m'maiko 48 ogwederako ndi $15,650 pachaka ($1,304 pa mwezi), ndipo kwa banja la anthu anayi, 2026 aumphaŵi ali $2,150 pachaka). Ziŵerengero zimenezi zikuimira chiwonjezeko chochepa kuchokera ku chaka chatha, kusonyeza masinthidwe a kukwera kwa mtengo.

N’kofunika kwambiri kudziwa kuti mapulogalamu ambiri sagwiritsa ntchito 100% a FPL monga kudula kwake, koma mmalo mwake gwiritsani ntchito chigawo chimodzi cha FPL. Maprogramu osiyanasiyana amaika magawo a ndalama zawo za malipiro awo pamlingo wosiyana ndi aumphaŵi, zimene zimachititsa kuti mabanja okhala ndi ndalama zambiri azikhala oyenererabe kaamba ka thandizo.

MAKONGOSI a msonkho wapamwamba amapezeka 400% FPL, CHAIP amaphatikiza ana m'mabanja pafupifupi 200% mpaka 300% FPL kudalira pa boma, ndipo SNAP imagwiritsira ntchito 130% ya FPL monga mlingo wa ndalama zoikika. Njira imeneyi yotsatizana ikutsimikizira kuti mabanja ogwira ntchito amene amapeza ndalama zoposa paumphaŵi koma akulimbanabe ndi ndalama angapeze mautumiki ovuta ochirikizira.

Kwa nzika za Alaska ndi Hawaii, malangizo osiyana amagwira ntchito chifukwa cha kukwera kwa ndalama zokhalira moyo. FPL ya ku Alaska ndi yokwera 5,000 peresenti ndipo Hawaii n’njapamwamba senti 15% kuposa chiŵerengero cha mayiko osinthasintha. Kusintha kumeneku kumazindikira mavuto apadera a zachuma amene anthu akukhala m’mayiko ameneŵa amakumana nawo.

Mbali Zazikulu za Mapindu ndi Mautumiki a Boma

Mapindu a Zaumoyo ndi Programu za Inshuwalansi

Kusamalira thanzi ndi chimodzi mwa zinthu zofunika kwambiri kwa mabanja a ku America, ndipo boma limapereka maprogramu angapo othandiza nzika kupeza chithandizo chamankhwala chotsika mtengo. Maprogramu a zaumoyo a boma amaphatikizapo Medicaid, CHIP, Medicare, ACA Health Inshuwalance Makessica, ndi COBRA.

Medicaid imapereka thanzi kwa mamiliyoni a anthu a ku Amereka olandira ndalama zochepa, kuphatikizapo achikulire, ana, akazi apakati, achikulire, ndi anthu olumala. M’mawu akuti anawonjezera Medicaid pansi pa Afford Care Act, akulu okhala ndi ndalama zapanyumba kufikira 138% ya Federal Poverty Lequence project ya Mdicaid. Médicaid amaperekedwa ndi maboma mogwirizana ndi zifuno za boma, tanthauzo ndi mapindu angasiyane malinga ndi kumene mukukhala.

Medicare imatumikira monga programu yoyamba ya inshuwalansi ya thanzi ya Aamereka a zaka 65 ndi kuposapo, limodzinso ndi anthu ena achichepere opunduka. Programuyi ili ndi mbali zosiyanasiyana zophikira inshuwalansi ya chipatala, inshuwalansi ya zamankhwala, ndi mankhwala operekedwa ndi mankhwala. Understanding Medicas mes media mes mes programmes ndi mafices ogwiritsirirapo ndi opeŵera chilango.

Program ya Ana ya Inshuwalansi ya Zaumoyo (CHIP) imapereka kwa ana zaumoyo zotsika m’mabanja amene amapeza ndalama zambiri zoyenerera ku Medicaid koma satha kugula inshuwalansi yaumwini. Boma lililonse limayendetsa programu yake ya CHAP ndi malire a ndalama ndi mautumiki opimira.

Act yothandiza kugwiritsa ntchito mankhwala (ACA) Inishuwarensi ya zaumoyo imalola anthu ndi mabanja kugula kaamba ka makonzedwe a inshuwalansi ya zaumoyo ndi kuyenerera kaamba ka ngongole za ndalama ndi kuchepetsa kowonjezereka kodalira pa ndalama zopezedwa. Nthaŵi zotsegulidwa za kulembetsa zimachitika chaka chilichonse, ngakhale kuti kuyenerera kwa zochitika za moyo kungayambitse mwaŵi wapadera wa kulembetsa.

Maprogramu a Chithandizo cha Chakudya ndi Chakudya

Kusoŵa chakudya kumakhudza anthu mamiliyoni ambiri a ku America, ndipo maprogramu a boma akupereka chichirikizo chachikulu chothandizira mabanja kukhala ndi chakudya chokwanira ndi chopatsa thanzi. Nzika zingapeze chakudya chopatsa thanzi kudzera mu SNAP (zidindo za chakudya), WAC kwa akazi, makanda, ndi ana, ndi chithandizo cha chakudya chamwadzidzidzi.

Supplial Nutrition Information Program (SNAP) [NTHAŴI], yodziŵika kwambiri monga zidindo za chakudya, imaimira programu yaikulu ya chithandizo cha chakudya cha dziko. SNAP imapereka mapindu a mwezi ndi mwezi opangidwa pa khadi la Electronic Refectal Information Transrection (EBT) imene ingagwiritsiridwe ntchito kugula zakudya zoyenerera kwa ogulitsa ololedwa. Kulephera kumazikidwa kwenikweni pa ndalama zapanyumba ndi ukulu wake, limodzi ndi mabanja ambiri ofunikira kukwaniritsa zonse ziŵiri mlingo wa ndalama zimene amapeza.

Special Innopletion Program ya Akazi, Ana, ndi Ana (WIC) imatumikira akazi oyembekezera, amayi atsopano, ndi ana aang'ono asanu amene ali pangozi ya chakudya. . WIC tsopano amatumikira oposa 8 miliyoni a mimba ndi amayi apartum, makanda, ndi ana mu US, ndipo kwa banja kuti atenge nawo ntchitoyi ayenera kukhala ndi phindu lalikulu la kusapitirira 185 peresenti ya umphaŵi wa boma ndipo ali pangozi ya chakudya. WiC akupereka chakudya chomanga thupi, chakudya, kuchirikiza maŵereŵe, ndi zopereka zaumoyo.

Programs Zakudya za kanema [1] amatsimikizira kuti ana a m'mabanja otsika olandira chakudya amalandira chakudya chopatsa thanzi ndi chakudya chamasana m'chaka cha sukulu. National School Lunch ndi Creast Program yothandiza pagulu ndi m'masukulu a anthu ndi malo osungira ana osapindula ndi phindu.

Maprogramu ena a chakudya chamagulu amaphatikizapo Emergency Food Alternation Program (TEFAP), imene imapatsa chakudya chamwadzidzidzi anthu a ku Amereka olandira chakudya chochepa kudzera m’mabanki a chakudya ndi m’masitolo, ndi Child ndi Adult Care Food Program (CACFP), imene imapereka chakudya ndi zakudya zoziziritsa m’masana ndi m’malo osamalira anthu achikulire.

Thandizo ndi Chichirikizo cha Nyumba

Mabanja ambiri a ku America amavutika kwambiri kupeza nyumba zodula chifukwa chakuti mapulogalamu a boma amapereka chithandizo kwa anthu obwereka nyumba ndi ogula, amakonza nyumba zokhalamo anthu osoŵa, ndiponso amathandiza kuti asathamangitsidwe.

Kusankha Voucher Program (Ubwino) imaimira programu yaikulu ya boma yothandizira mabanja opeza ndalama zochepa, okalamba, ndi anthu opunduka popereka ndalama zabwino, zotetezereka, ndi nyumba zaukhondo pamsika. Programu imeneyi ya boma imachepetsa mtengo wa kubwereka malo achinsinsi kaamba ka mabanja otsika kwambiri, kuphatikizapo okalamba kapena anthu olumala, ndi boma lolipira mbali ya lendiyo mwachindunji kwa eni nyumba ndi obwereka ndalama zolipirira kuwona malo awo okhala.

Malo ovomerezeka opezera nyumba ndi oyendetsedwa ndi boma koma amaperekedwa ndi mabungwe a boma (PHA), ndipo kwenikweni, mabanja okhala ndi ndalama zimene sizikupitirira 50% ya ndalama zimene amapeza m'manyuzipepala m'chigawo chawo kapena m'tauni. Chifukwa cha kufunidwa kwambiri, ndandanda yoyembekezera malo osungira nyumba ingakhale yaitali m’madera ambiri.

[[FLT: 0] Nyumba za Public imapereka nyumba zokhoza kwa mabanja opeza ndalama zochepa, okalamba, ndi anthu opunduka. Mabungwe a nyumba a m’dzikolo ali ake ndi kusamalira malo ameneŵa, ndi lendi yoikidwa pa 30% ya ndalama za banja zosinthidwa mwezi uliwonse.

[[FLT: 0] Maprogramu odziŵa za MPENDERE MPUNDO [1] amathandiza anthu ndi mabanja kulipira ndalama zolipirira nyumba, kutetezera kusoŵa pokhala ndi kukhazikitsa nyumba zabwino panthaŵi ya mavuto a zachuma. Maprogramu ameneŵa anakhala ofunika kwambiri makamaka m'nthaŵi ya kutsika kwa chuma ndi masoka achilengedwe.

Maprogramu ena a nyumba amaphatikizapo Nyumba za Malo Osungiramo Nyumba za Anthu, zimene zimathandiza mayiko ndi madera kusungitsa ntchito zomanga nyumba zotsika mtengo, ndi maprogramu osiyanasiyana othandiza ogula nyumba posawononga ndalama zambiri.

Mapindu a Chisungiko

Chitetezo cha Anthu chimaphatikizapo kupuma pantchito ndiponso kupumula, ndiponso kupereka chidziŵitso cha mmene mungapezere khadi lanu la Social Security kapena mmene mungaliloŵetse m’malo.

Mapindu Ochepetsedwa amapereka ndalama mwezi ndi mwezi kwa antchito amene apereka ku social Security system. Ndalama zimene mungalandire zimadalira pa malipiro anu a moyo wanu ndi msinkhu umene muyamba kusonkhanitsa mapindu. Pamene mungathe kuyamba kulandira mapindu ocheperapo pa msinkhu wa 62, kudikira kufikira mutafika zaka zanu zonse za kuleka ntchito kapena ngakhale zaka 70 zingawonjezere kwambiri malipiro anu a mwezi ndi mwezi.

Kwa amene amapitirizabe kugwira ntchito pamene akulandira mapindu a Social Security asanafike msinkhu wokwanira wa kupuma pantchito, malipiro akugwira ntchito. Ngati muli wamng'ono kwa FRA mu 2026, Social Security iyenera kuchotsa $1 $1 pa mapindu anu a K20,480 ya malipiro a ndalama zimene mumalandira kuposa $44,40 [2026], ndipo ngati mufika zaka zopuma pantchito mu 2026, adzachotsa $1 kuchokera ku mapindu anu pa $3 iliyonse imene mumalandira $25,160 ($2,160) kufikira mwezi umene mudzafika zaka za kupuma pantchito.

Security Insurance (SDI) [SDI] imapereka mapindu kwa anthu amene sangathe kugwira ntchito chifukwa cha matenda oyembekezeredwa kukhala chaka chimodzi kapena imfa. Kulephera kumafuna kukhala atagwira ntchito ndi kukhoma misonkho ya zachitetezo kwa nyengo yakutiyakuti, ndi zofunika zenizeni malinga ndi msinkhu wanu pamene munakhala opunduka.

Supplial Security Infit (SSI) imapereka ndalama mwezi ndi mwezi kwa anthu opunduka, akhungu, kapena a zaka 65 kapena kuposa. Mosiyana ndi SSDI, SSI safuna mbiri koma ali ndi ndalama ndi polekezera ndalama.

Mapindu Opulumukira akupereka ndalama mwezi ndi mwezi kwa akazi amasiye, amuna ofedwa, ndi odalira antchito oyenerera. Mapindu ameneŵa angakhale ofunika kwambiri kwa mabanja amene ataya wowapezera zofunika.

Thandizo Lokanthaŵi la Mabanja Osoŵa (TANF)

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TANF imagogomezera ntchito, udindo, ndi kulephera kugwiritsa ntchito. Maboma ambiri amafuna kuti anthu azigwira ntchito, kufunafuna ntchito, kuphunzira ntchito, kapena ntchito za m'dera. Nthawi imaletsa kuti mabanja alandire ndalama, kulimbikitsa anthu kuti ayambe kudzidalira pa zachuma.

Kuwonjezera pa kuwapatsa ndalama, mapulogalamu a TANF nthawi zambiri amathandiza kwambiri ana, amathandiza pa ntchito za m’galimoto, ndiponso amathandiza anthu kuwapatsa ntchito.

Kupereŵera kwa Mphamvu ndi Thandizo

Maprogramu a boma amathandiza kulipira mafoni, Intaneti, ndi mapulogalamu amagetsi, ndipo amathandiza kuti mabanja amene amapeza ndalama zochepa azikhala ndi zinthu zofunika ngakhale pamene ali pa mavuto a zachuma.

Kuthandiza Inhome Home Energy Application Program (LIHEP) [1] Kuthandiza mabanja olandira ndalama zochepera kulipirira kutenthetsa ndi kuziziritsa ndalama, ndi kupereka chithandizo panthaŵi ya ngozi za mphamvu ya magetsi. LIIAHP ikhozanso kuchirikiza kukonza kwa nyengo ndi kukonza kwa mphamvu zoyendera nyumba kuti ichepetse kuwonongetsa ndalama zamagetsi kwa nthaŵi yaitali.

Program ya Moyo wa moyo imapereka ziŵerengero za foni ndi intaneti zoyeneretsa ogula olandira ochepa, kutsimikizira kuti angakhale ogwirizana ndi ntchito, maphunziro, chisamaliro cha zaumoyo, ndi mautumiki angozi. Programu yasintha kukhala yophatikizapo ntchito ya pa Intaneti yochuluka, kuzindikira kufunika kwake m'moyo wamakono.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . kukonza, kukonza kapena kubwezeretsa, ndi kuwongolera kwina kumene kumachepetsa kugwiritsira ntchito magetsi.

Maphunziro ndi Maphunziro Amapindulitsa

Maprogramu a boma amathandiza anthu kuphunzira kuyambira ali ana, chifukwa aphunzira kwambiri maphunziro apamwamba ndiponso amathandiza anthu kuti akhale ndi luso komanso kuti adziwe zinthu zambiri kuti apite patsogolo pa zachuma.

Grants amapereka mphatso zofunikira kwa ophunzira ochepera okhoza kupatsidwa kuthandiza kulipiridwa kaamba ka koleji. Kugwiritsira ntchito, matsirize Mapedi a Free for Federal Students Aid (FAFRASA), imene imangosankha mlingo wa Pell Grants ndi chithandizo china chilichonse cha ndalama m’chaka chakutsogolo. Mosiyana ndi ngongole za sukulu. Pell Grants sati afunikira kulipiridwa, kuwapangira chuma chamtengo wapatali kwa ophunzira ochokera ku mabanja otsika.

Wophunzira Wophunzira Wofuna ndalama [1] Kupereka ngongole zochepera kuthandiza ophunzira ndi makolo kulipirira koleji. Ngongole zimenezi zili ndi ziŵiya zabwino kwambiri kuposa ngongole zaumwini, kuphatikizapo makonzedwe a malipiro a ndalama ndi maprogramu okhululukira othekera kwa awo ogwira ntchito muutumiki wa anthu onse.

Head Start ndi Early Head Start imachirikiza kukonzekera sukulu kwa ana ochokera m’mabanja opeza bwino mwa kugaŵira maphunziro aukhanda, thanzi, chakudya, ndi ntchito za kholo. Maprogramu ameneŵa amatumikira ana kuyambira pa kubadwa kufikira pa msinkhu wa zaka zisanu ndi akazi oyembekezera.

Programs zopititsa patsogolo ntchito [1] Athandiza ofunafuna ntchito kukulitsa maluso, kupeza ntchito, ndi kupita patsogolo pantchito zawo. Mautumiki angaphatikizepo kupereka uphungu wa ntchito, maphunziro a ntchito, chithandizonso, ndi kuchirikiza ntchito ku Ma Center a ku America a Ntchito m’dziko lonselo.

Anthu Odya Njuchi Amapindula

Department of Veterans Affairs imakhazikitsa maprogramu ambiri ochirikiza awo amene anatumikira m'gulu lankhondo ndi mabanja awo. Mapindu ameneŵa amazindikira kudzimana kochitidwa ndi ziŵalo za utumiki ndipo amathandiza kutsimikizira kuti iwo ali bwino pambuyo pa utumiki wankhondo.

. VASPAS Health religion [FLT :1] imapereka mautumiki a zaumoyo okhutiritsa oyenerera odziŵa ntchito kupyola machipatala a Va ndi zipatala m'dziko lonselo. Mautumiki amasiyana ndi chisamaliro chotetezera ndi chithandizo chapadera cha mikhalidwe ya utumiki.

Kuchuluka kwa bungwe kumapereka ndalama za msonkho mwezi uliwonse kwa anthu amene anazoloŵera kudwala omwe ali ndi vuto lokhudzana ndi usilikali. Ndalamazo zimadalira pa ukulu wa kupunduka kwake ndi kaya wozoloŵerayo ali wodalira.

Mapindu a Phunziro kupyolera mwa Gi Bill amathandiza ozoloŵera ndi mabanja awo kulipirira kaamba ka koleji, sukulu yomaliza, ndi maprogramu ophunzitsa. Maprogramu osiyanasiyana a Gi Bill amatumikira ozoloŵera kwa nthaŵi zosiyanasiyana ndi nkhani zosiyanasiyana za utumiki.

VA Home Loans athandiza ozoloŵera, ziŵalo za utumiki, ndi oyenerera okwatirana otsala amakhala eninyumba kupyolera mwa mapangano oyenerera, kaŵirikaŵiri osafuna kulipirira ndi kupereka ziwongola dzanja za mpikisano.

Programs za kubwezera imapereka ndalama mwezi ndi mwezi kwa anthu amene anamenya nkhondo ya nkhondo omwe ali ndi ndalama zochepa ndi opunduka kotheratu, kapena amene ali ndi zaka 65 ndi kuposerapo.

Mapindu ndi Maprogramu a Olembedwa Ntchito Yauyang’anira

Kumvetsetsa mapindu ameneŵa nkofunika kuti antchito amakono ndi omwe kale anali a boma awonjezere malipiro awo.

Mapindu a Thanzi la Olembedwa Ntchito a Federal (FEHB)

Kwa 2026, Programu ya FEHB idzapanga onyamula 47 okhala ndi mapulani 132, pamene kuli kwakuti PSHB Program yatsopano yofukula antchito a pa positi ndi opuma pantchito imapereka kokha 17 ndi zosankha 75. Kusankha kokulira kumeneku kupatsa antchito a boma kusankha mapulani a thanzi amene angakwane ndi banja lawo.

Monga wantchito wa boma, mungalembe mu FEHB mesejing . ndi kuphatikizapo ziŵalo za banja zoyenerera zirizonse . Pamasiku 60 a kuikidwa kwanu koyamba, ndipo ngati simulembetsa panthaŵi imeneyo, mungasaine kapena kupanga masinthidwe mkati mwa nyengo ya Nyengo Yotseguka chaka chilichonse. Kulembetsa kumatsimikiziridwa kuti n’kosafunikira.

Programu ya FEHB imapereka mitundu yambiri ya kufalitsa kuphatikizapo kudziloŵetsamo, kudziphatikiza, ndi kusankha chimodzi, ndi zosankha za banja. Olembedwa ntchito amagaŵana mtengo wa ndalama zowonongedwa ndi boma, zimene zimalipira pafupifupi 72% ya ndalama zonse zowonongedwa. Wolemba ntchito ameneyu amapangitsa FEHB kukhala yosagulika kwambiri kuposa inshuwalansi zambiri zaumwini.

Programu ya Utumiki ya Pambuyo Pake ya Thanzi (PSHB)

Pulogalamu ya Postal Service Health Benence imaimira kusintha kwakukulu kwa antchito a positi ofesi ndi opuma pantchito. Programu ya PSHB imachitidwa mwachindunji kaamba ka Mapasita Service ndipo ili chiyeneretso cha 2022 Service Reform Act ya 202, imene inalamula kuti OPM ikhazikitse programu ya zaumoyo ya USPS pofika January 2025.

FEHB ndi PSHB ndi kulembetsa kotchedwa Medicare . Anthu ambiri opuma pantchito a boma olembetsedwa mu FEHB, Medicare progadenti ali odzisankhira, ngakhale kuti awo amene amalembetsa ku Medicare Part B kaŵirikaŵiri amaona ndalama zotsika za pa kapeti, koma pansi pa programu yatsopano ya PHB, opuma pantchito ndi ziŵalo za banja zokhala ndi mamediarenti a zaka 65 kapena kuposapo afunikira kulembetsa ku Medicare Part B kuti asungebe pulogalamu yawo ya PHB.

Ogwira Ntchito a Federal Dental ndi Evision Inshuwalansi (FEDVIP)

Federal Gweennes Dental and Resource Inshuwalansis Program imapereka ofunikira kusankha pakati pa 21 okonzekera 2026 (kuwonjezeka kuchokera 2025) ndi 10 mapulani a maso (mofanana ndi chaka chatha). Mosiyana ndi FEHB, boma silimathandizira kutsata ndalama za FEDVIP, koma programuyo imapereka mipikisano.

Madokotala, mano, ndi maso amasintha pokhapokha mutasintha, koma muyenera kuwerenganso chaka chilichonse kuti ndalama zanu za FSA zikhalebe zoyendera. Kupitiriza kumeneku kumapangitsa kuti kukhale kosavuta kufalitsa, ngakhale kuti antchito ayenera kupenda njira zawo chaka chilichonse panthaŵi ya Ulendo Wotseguka kuti atsimikizire kuti ali ndi njira yabwino yopezera zofunika pa moyo.

Programu ya Kugwiritsira Ntchito Ndalama Mosinthasintha (FSAFEDS)

Programu ya FSAFEDS imakulolani kusunga ndalama zotsala zapasadakhale kaamba ka ndalama zoyenerera za thanzi ndi zosamalira zodalira pa odalira. Programu imeneyi ikhoza kupereka ndalama za msonkho mwa kulola antchito kulipirira ndalama za mankhwala otayidwa ndi ndalama zodalira pa mtengo wa ndalama zotsala.

FSAFEDS imaphatikizapo mankhwala a zaumoyo (A. Health Care FSA), Malire Oferetsa A Health Care FSA (LEX HCFSA) ndi A CHESC CH FA . HCFSA ikuphatikizapo mankhwala oyenerera, mano ndi ndalama zolipirira zimene sizilipiridwa kapena kubwezeredwa ndi thanzi lanu. LuX HCFFFSA ndi njira yosamalira mano kapena maso n’zogwirizana ndi kupulumutsa thanzi la munthu ndi ndalama zolipirira mano ndi maso oyenerera. DCFSA imapereka ndalama za ndalama zothandizira mwana woyenerera ndi wosamalira tsiku lauchikulitsidwa.

Mosiyana ndi anthu olembetsa inshuwalansi ya zaumoyo, ngati mulembetsa ndipo mukufuna kupitiriza kutengamo mbali m’nyengo ya 2026 ya mapindu, muyenera kubwereranso mu injini, monga momwe FSAFEDS simapitirizira. Chiyeneretso cha pachaka cha kulembetsanso chimenechi chimatsimikizira antchito kusamala kwambiri ndalama zimene akuyembekeza chaka chikudzacho.

Makonzedwe a Kusunga Malo Osungira Zinthu (TSP)

Thrift Savings Plan imatumikira monga ndalama zosungidwa ndi makonzedwe a boma a kupuma pantchito ndi zoikizira ndalama, zofanana ndi 401 (k) m'chigawo cha anthu. Olembedwa ntchito a Federal angapereke madola asanafike msonkho kapena Roth (pambuyo pa msonkho) ku maakaunti awo a TSP, ndi boma likumapereka zopereka zofanana kwa antchito ofoleredwa pansi pa Federal Holees System (AFENTers).

Makampaniwa amathandiza kuti pakhale ndalama zambiri zoyendetsera ndalama, kuphatikizapo ndalama zoyendera njinga zimene anthu amalandira akapuma pantchito.

Kuwonjeza zinthu kwaposachedwapa kumaphatikizapo Roth mu ndandanda ya kutembenuza. Kuyambira mwezi uno, chisankho cha Roth m'maplani akupezeka mu Account, zikukulolani kutembenuza ndalama kuchokera ku mwambo wanu (mutu wa pasadakhale) kupita ku mlingo wa Roth (pambuyo pa msonkhano) m'kaundula wanu wa TSP. Kusintha kumeneku kumathandiza otengamo mbali kuyang'anira mkhalidwe wawo wa msonkho bwino.

Mmene Mungapezere ndi Kugwiritsira Ntchito Mapindu a Boma

Kudziwa zimene mungakwanitse kuchita powerenga komanso kulemba zimene mukufuna kungakuthandizeni, koma pali zinthu zambiri zimene zingathandize nzikazo.

Kugwiritsira Ntchito Zipangizo Zopezera Mapindu

Mungagwiritsire ntchito chiŵiya chopezera phindu kapena kufufuza mwadongosolo kuti mudziŵe mapindu amene inu ndi banja lanu mungakhale oyenerera kaamba ka, kudziŵa mmene mungagwiritsirire ntchito zimene mukuyenerera, ndi kuyankha mafunso ena ofunika kuti mupeze mpambo wolinganizidwa wa mapindu othekera a boma amene mungakhale oyenerera kaamba ka zochitika za moyo.

The federal government's Benefits.gov website serves as a comprehensive resource for exploring available programs. By answering questions about your household size, income, location, and circumstances, the benefit finder generates a personalized list of programs you may qualify for, along with information about how to apply.

Maboma ambiri apanganso ziŵiya zawo zopezera phindu ndi makhofi ogwirizana. Malo a boma ameneŵa angakuthandizeni kudziŵa ndi kugwiritsa ntchito maprogramu onse a boma ndi boma kudzera m'zolemba ziwiri, kutchula njira yofunsira.

Njira Yabwino Yogwiritsa Ntchito

Njira yofunsira imaphatikizapo kutumiza fomu yofunsira ndi kupereka mapepala ochirikiza kukhala kwanu oyenerera, monga ngati umboni wa ndalama zimene mumalandira, kudziŵidwa, ndi zikalata zina zogwirizana. Pamene kuli kwakuti zofunika zapadera zimasiyana ndi pulogalamu, maseŵero ambiri amafuna chidziŵitso choyambirira ndi zikalata zofanana.

Makalata ofala ofunikira kaamba ka mafunsidwe ndi monga:

  • Umboni wa chizindikiritso (laisensi ya mtsiri, ID ya boma, pasipoti, kapena chikalata cha kubadwa)
  • Chiŵerengero cha Chisungiko cha Mabanja onse
  • Umboni wakuti ndalama zimene munthu amapeza (malipiro ake, mafomu a msonkho, ndi ndemanga zopindulitsa)
  • Umboni wa kuchuluka kwa nyumba (mapepala a ndalama zokhaliramo, mapangano a ngongole, ndi zikalata za nyumba)
  • Maakaunti a ku banki ndi chidziŵitso chonena za chuma
  • Mapepala ofufuzira (ngati ali oyenerera)
  • Zolembedwa za Zamankhwala (zokhudza maprogramu opunduka)

Komabe, mapulogalamu ambiri amathandiza anthu amene akufuna thandizolo, kugwiritsa ntchito maofesi a m’dziko lawo, mabungwe a boma, ndi mabungwe othandiza anthu.

Boma ndi Chuma Chakumene Amakhala

Ngakhale kuti maprogramu ambiri amapindula ndi boma, kaŵirikaŵiri maboma amawapatsa mosinthika m’zosankha ndi kupindula. Mukhoza kuphunzira zambiri ponena za mmene mungayenerere kaamba ka maprogramu akutiakuti ndi kufunsira kaamba ka mautumiki a pa Intaneti kapena pa imodzi ya Maofesi a Utumiki Wachigwirizano a m’boma lonselo, ndipo ngati mufunikira womasulira kapena chithandizo, mungapeze chithandizo pa maofesi athu onse.

Mabungwe othandiza anthu, mabungwe olimbikitsa anthu, ndiponso mabungwe amene sapanga phindu, nthawi zambiri amathandiza anthu ndipo angakuthandizeni kudziwa mapulogalamu amene angapindulitse banja lanu.

Malaibulale, malo apamwamba, ndi malo osungirako anthu ambiri kaŵirikaŵiri amapindula ndi zochitika za kumene nthumwi za maprogramu osiyanasiyana zili zokhoza kuyankha mafunso ndi chithandizo chogwiritsira ntchito. zochitika zimenezi zingakhale zofunika kwambiri pophunzira maprogramu ambiri panthaŵi imodzi.

Kupewa Kupusitsidwa ndi Akuba

Mwatsoka, mbala zambiri obera amabera anthu ofuna thandizo la boma. Mabungwe a boma sadzakupemphani kulipira ndalama kuti mupemphe thandizo, malipiro a mwamsanga, kapena pempho la malipiro kupyolera mwa makhadi a mphatso, kutumiza mawaya, kapena kubisa. Sadzaitana, kutumiza maimelo, kapena kulemba makalata amene mumapempha kuti mukhale ndi nambala yanu ya Social Security kapena chidziŵitso cha ku banki popanda kuyamba kukambitsirana.

Nthaŵi zonse tsimikizirani kuti muli pa webusaiti ya boma mwa kufunafuna malo a .gov. Samalani ndi mawebusaiti amene amalipira ndalama za chidziŵitso chimene chilipo kwa boma. Ngati wina amene mumamulankhula naye akuchokera ku bungwe la boma, ikani ndi kuimbira foni kampaniyo mwachindunji pogwiritsa ntchito nambala ya foni imene muipezayo, osati yoperekedwa ndi woitanayo.

Lipoti likukayikira kuti lithandiza apolisi a bungwe la Federal Trade Commission ku ReportFraud.ft.gov ndi ku bungwe la boma loona za milandu ya kupima.

Kuwonjezera Mapindu Anu

Kumvetsa bwino ubwino wa ndalama zimene mungathe kugwiritsa ntchito kungakuthandizeni kwambiri. Nawa njira zothandizira kuti mupindule kwambiri ndi mapulogalamu amene alipo.

Gwiritsirani Ntchito Maprogramu Onse Odalirika

Anthu ambiri amayeneretsedwa kaamba ka maprogramu angapo koma kokha kufunsira chimodzi kapena ziŵiri. Kugwiritsira ntchito ndandanda ya magetsi ya magetsi ya pulogalamu imene simunaganizirepo. Mwachitsanzo, mabanja amene amalandira mapindu a SNAP angayenererenso kaamba ka chithandizo cha magetsi, chakudya chakusukulu, mautumiki a pa Internet ochepetsedwa, ndi maprogramu a zaumoyo.

Mapulogalamu ena amakhala ndi mafomu ofunsira anthu amene alowa m’dzikolo kapena amene amathandiza anthu amene alandira kale madalitso enaake.

Dziŵani Zofunika Kuti Mukhale Otsimikiza

Maprogramu ambiri opindulitsa amafunikira kutsimikizira kwa apa ndi apo kuti zitsimikiziro zopitirizabe. Kusoŵa kwa masiku a kulembetsa kungatulukepo kupindula, ngakhale ngati mukali woyenerera.

Maboma ena agwiritsa ntchito njira zopeputsira zikalata zolembera zinthu kapena zolembera zinthu zina kwa nthawi yaitali.

Pitani Mwamsanga

Maprogramu ambiri amafuna kuti munene masinthidwe a mikhalidwe imene ingayambukire malipiro anu kapena phindu. Zimenezi zimaphatikizapo kusintha kwa ndalama zimene mumalandira, kulemba nkhani za m’nyumba, adiresi, kapena malo a ntchito. Kusimba kusintha kwa ntchito mwamsanga kumathandiza kupeŵa malipiro opambanitsa amene mungabweze pambuyo pake ndipo kumatsimikizira kuti mulandira ndalama zopindulitsa zoyenerera.

Pamene kuli kwakuti kungaoneke kukhala kotsutsana kusimba masinthidwe abwino monga ndalama zowonjezereka, kulephera kuchita zimenezo kungatulukepo zinenezo zachinyengo ndi kuchotsedwa pa maprogramu. Maprogramu ambiri ali ndi kunyalanyaza ndalama ndi kutuluka kwapang'onopang'ono kumene kumakulolani kusunga mapindu ena pamene ndalama zanu zikuwonjezereka, kuchirikiza kusintha kwanu ku kukhoza kwanu kwaumwini kokulirapo.

Gwiritsani Ntchito Ntchito Zothandiza Ena

Maprogramu ambiri opindulitsa a kampaniyi amathandiza anthu kupeza ntchito, maphunziro, ndiponso ntchito zowathandiza monga kusamalira ana ndiponso kuwathandiza pa ulendo.

Maprogramu opititsa patsogolo ntchito ogwirizanitsidwa ndi maprogramu othandiza angapereke uphungu wofunika wa ntchito, chithandizo choyambiranso, kukonzekera kufunsa mafunso, ndi mautumiki ogaŵira ntchito. mautumiki ameneŵa alinganizidwira kuthandiza olandira ntchito ndi kupeza ufulu wa zachuma.

Konzekerani Kuthandiza Mavu

Kumvetsa mmene mapulogalamu osiyanasiyana amathandizira munthu akachuluka pang’ono pa ndalama kungachititse kuti mabanja asiye kupeza ndalama zambiri, ndipo zimenezi zingachititse kuti apeze ndalama zambiri.

Mayiko ena agwiritsa ntchito njira zopimira matanthwe, monga ngati mapindu owonjezereka kapena kupita patsogolo pang'onopang'ono. Funsani za wothandiza wodwalayo ngati pali zichilikizo pamene mukulingalira za kusintha ntchito kumene kungakhudze mapindu anu.

Mautumiki a zandalama, amene kaŵirikaŵiri amapezeka kupyolera m’mabungwe a m’chitaganya, angakuthandizeni kutsanzira mikhalidwe yosiyanasiyana ndi kumvetsetsa phindu lenileni la ndalama za ndalama pamene mulingalira mapindu onse ndi zowonongedwa.

Kuganizira Mwapadera Mikhalidwe Yosiyana ya Moyo

Phindu kwa Agogo

Anthu a ku America akamakula, phindu limene amapeza pa ntchito yopuma pantchito ndiponso kuchuluka kwa anthu okalamba, mwina angayenerere kulandira mapulogalamu ena owonjezera owathandiza pa mavuto apadera a ukalamba.

Maprogramu osungira zinthu za magetsi athandiza kulipira ndalama zopindulira Medicara, zopimira, ndi ndalama zothandizira anthu opeza ndalama zochepa ndi zotsala. Maprogramu ameneŵa angachepetse kwambiri ndalama zosamalira okalamba oyenerera.

Pulogalamu ya Extranditional Help imathandiza kugula mankhwala operekedwa ndi mankhwala oletsedwa, kuthandiza anthu achikulire kugula mankhwala ofunika.

Program ya Alimi Aakulu a Interior Interition imapereka kwa achikulire olandira ndalama zochepa ndi timapepala togulira zipatso, ndiwo zamasamba, ndi mankhwala pa misika ya alimi, m’mbali mwa msewu, ndi maprogramu aulimi osungidwa ndi anthu.

Maprogramu a kupereka msonkho wa katundu, opezeka m’maiko ambiri, amathandiza eninyumba kusamalira misonkho ya katundu pa malipiro okhazikika.

Ubwino wa Anthu Olumala

Maprogramu a anthu olumala amazindikira kuti kupunduka kumawononga ndalama zambiri ndiponso kuvuta kowonjezereka ndipo amathandiza kuti munthu akhale wodziimira payekha ndiponso kuti akhale ndi moyo wabwino.

Social Security Disability Inshuwalansi (SDI) ndi Security Infige (SSI) akupereka ndalama mwezi ndi mwezi kuti athandize anthu opunduka. SSDI ikufuna mbiri ya ntchito, pamene SSI imafunikira kuphunzitsidwa ndipo siikufuna ntchito isanachitidwe.

Medicaid akupereka malipoti a zaumoyo kwa anthu ambiri opunduka, kaŵirikaŵiri ophimba mautumiki osaphatikizidwa m’makonzedwe ena a inshuwalansi, monga ngati mautumiki a chisamaliro chaumwini, ziŵiya zokhalitsa zamankhwala, ndi chisamaliro chanthaŵi yaitali.

Kupita ku ntchito kumathandiza anthu amene ali ndi vuto la Social Security amene akufuna kugwira ntchito kwaulere, kukonzanso ntchito, ndi kuwathandiza kupeza ntchito ndi kuisamalira kwinaku akuwateteza pa nthawi imene akusintha.

MABUKU olembedwa bwino amalola anthu olumala kusunga ndalama popanda kugwiritsa ntchito njira zopimira monga SSI ndi Medicaid. Maakaunti a ndalama zosungidwa za msonkho ameneŵa angagwiritsiridwe ntchito pogwiritsira ntchito ndalama zoyenderana ndi kulemala.

Mapindu kwa Mabanja a Ana

Mabanja amene ali ndi ana ali ndi mapulogalamu osiyanasiyana othandizira ana kukula, kukhala ndi thanzi labwino, ndiponso kuthandiza makolo kuti asamalire bwino ntchito ndi udindo wa m’banja.

Child Care Ahelp imathandizira mabanja ogwira ntchito zotsika kulipirira kusamalira ana, kutheketsa makolo kusunga ntchito kapena maphunziro ndi maphunziro. Kuwoneka bwino ndi mapindu zimasiyana ndi boma, ndi malo oyamba kwa mabanja olandira TANF kapena kuchotsako ubwino.

Mathayo ameneŵa angabweze ndalama zambiri, ngakhalenso mabanja amene salipira msonkho, ndipo amathandiza kwambiri pa nkhani za ndalama.

Machakudya a tchuthi cha phee ndi amtengo wapatali amatsimikizira ana a m’mabanja osauka kuti amalandira chakudya chopatsa thanzi patsiku la sukulu. Kulephera kudya bwino kusukulu kaŵirikaŵiri kumathandiza kupeza mapindu ena ndi kuchepetsa ndalama zogulira ntchito ndi mautumiki a kusukulu.

Ana a Inshuwalansi ya zaumoyo Program (CHIP) imapatsa ana ndalama zambiri za thanzi m’mabanja amene amapeza ndalama zambiri kuti ayenerere ku Medicaid koma satha kugula inshuwalansi yaumwini. CHAIP imaphatikizapo kupimidwa kwanthaŵi zonse, katemera, maulendo a dokotala, makalata, mankhwala a mano ndi maso, ndi mautumiki angozi.

Phindu la Ophunzira

Ophunzira amene akuphunzira maphunziro apamwamba amatha kupeza maprogramu osiyanasiyana a boma ndi boma kuti athandize kulipirira koleji ndi kuchepetsa ngongole za ophunzira.

Federal Students Aid, yopezeka ku FaFSA, imaphatikizapo ndalama, maprogramu a ntchito, ndi ngongole. Kulondola FasSA nkofunika kupezera chithandizo cha ndalama chamitundu yambiri, kuphatikizapo maprogramu ambiri a boma ndi a bungwe.

Maphunziro a za Ntchito amathandiza ophunzira ocheperapo ntchito ndi omaliza maphunziro okhala ndi kusoŵa kwa ndalama, kuwalola kupeza ndalama zothandizira kulipirira zowonongedwa za maphunziro pamene akupeza chidziŵitso cha ntchito chamtengo wapatali.

Maprogramu a Mphunzitsi Loan Relance akhululukira ndalama zokwana $17,500 m’ngongole za ophunzira a boma kaamba ka aphunzitsi amene amagwira ntchito m’sukulu zotsika kapena mabungwe autumiki ophunzitsa kwa zaka zisanu zotsatizana.

Public Service Loan Forrence imakhululukira ndalama zandalama zandalama zandalama zandalama za ophunzira zotsala pambuyo pa kuyenerera kwa malipiro 120 a mwezi ndi mwezi pamene akugwirira ntchito kwa olemba ntchito oyeneretsedwa, kuphatikizapo mabungwe a boma ndi mabungwe osapanga phindu.

Mapindu a Ogwira Ntchito Opanda Ntchito

Inshuwalansi ya ulova imathandizira kupeza ndalama kwakanthaŵi antchito amene amataya ntchito zawo popanda kulakwa kwawo. Maboma amapereka mapindu, ndipo mapindu ake amalingana ndi malo osiyanasiyana.

Kuti muyenerere kupindula ndi ulova, muyenera kuti munagwira ntchito ya nthaŵi yakutiyakuti, munapeza malipiro ochepa, mukhoza kugwira ntchito, ndipo mumafunika kufunafuna ntchito mwakhama.

Malo a United States a ntchito, omwe ali m’dziko lonselo, amapereka ntchito zaulere kuphatikizapo kufunafuna ntchito, kupitiriza kuthandiza, kupenda maluso, kupereka malangizo a ntchito, ndi chidziŵitso chonena za njira zophunzitsira. Mautumiki ameneŵa alipo kwa onse ofuna ntchito, mosasamala kanthu kuti akulandira mapindu a ulova.

Kusintha kwa Malonda kumathandiza antchito amene achotsedwa ntchito chifukwa cha malonda achilendo mwa kupereka maphunziro a ntchito, ndalama zopezera ndalama, kufufuza ntchito ndi kusamuka, ndi ngongole ya msonkho yothandizira kulipirira inshuwalansi ya zaumoyo.

Mapindu Aakulu ndi Kusiyana kwa Zinthu

Ngakhale kuti maprogramu ambiri apindula ndi boma, kaŵirikaŵiri maboma amakhala ndi kusintha kwakukulu pa mmene amachitira maprogramu ameneŵa ndipo angapereke mapindu ena owonjezereka a boma. Kumvetsetsa maprogramu ndi zofunika za boma lanu nkofunika kuwonjezera chichirikizo chimene chilipo.

Maprogramu a boma Medicaid amasiyana kwambiri m'zochitika za kuchuluka kwa anthu, mautumiki ophikira, ndi mabungwe operekera katundu. Mayiko ena afutukula Medicaid pansi pa Affordal Care Act, pamene kuli kwakuti ena sanasinthe, mokulira kuyenerera kwa anthu achikulire olandira ndalama zochepa popanda ana.

Maprogramu a TANF amasiyana kwambiri ndi boma kuti apindule ndi ndalama za ntchito, kufunika kwa nthaŵi, ndi mautumiki ochirikiza.

Maprogramu operekedwa ndi boma angaphatikizepo chithandizo chowonjezereka chosakhalapo kupyolera m’maprogramu a boma, monga ngati chithandizo cha boma chakuchindunji cha nyumba, chithandizo cha magetsi kupyola pa LIHEAP, ngongole za malipiro a boma, ndi maprogramu a chithandizo chamwadzidzidzi.

Maboma ambiri apanga malo ochitira mapulogalamu ochitira mapulogalamu oyenera kuti anthu apezeko mapulogalamu osiyanasiyana.

Kusintha kwa Zinthu Komwe Kwachitika Posachedwapa

Maprogramu a boma amapindula ndi kusintha kwa nthaŵi yaitali m’kuyankha ku mikhalidwe ya zachuma, kusintha kwa malamulo, ndi kubuka kwa zinthu. Kukhalabe wodziŵitsidwa za kusintha kumakuthandizani kukhala wotsimikiza kuti mukhalabe wokhoza ndi wokhoza kupeza mapindu.

2026 Federal Poverty Level imasonyeza masinthidwe opitirizabe a kukwera mtengo. Zitsogozo zaumphaŵi 2026 zinawonjezeka modekha poyerekezera ndi 2025, zikumasonyeza kukwera kwa mtengo kwa mtengo kwa CPI-U. kwa munthu, FPL inakwera ndi $10 (kuyambira $15,650 mpaka $1,960), pafupifupi kuwonjezeka kwa ndalama zokwanira $5.

Zipangizo zamakono zikusintha njira zimene anthu amagwiritsira ntchito pogwiritsa ntchito Intaneti, mapulogalamu ambiri ogwiritsa ntchito mapulogalamu a m’manja kuti athe kugwiritsa ntchito bwino Intaneti, ndiponso kuti azitha kugwiritsa ntchito bwino zipangizo zamakono.

Kukambitsirana kwa malamulo pa maprogramu kukupitirizabe pamlingo wa boma ndi boma, ndi masinthidwe othekera ku miyezo ya kukhala ndi mwaŵi, phindu la ndalama, zofunika za ntchito, ndi nyumba za pulogalamu. Kukhala wodziŵitsidwa kupyolera m'zofalitsa zodalirika ndi njira zolankhulirana za boma kukuthandizani kuyembekezera ndi kukonzekera masinthidwe amene angayambukire mapindu anu.

Kupeza Thandizo ndi Chuma Chowonjezereka

Kunyalanyaza phindu la boma sikuyenera kukhala ntchito yaumwini. Chuma ndi mabungwe ambiri alipo kuti akuthandizeni kumvetsa ndi kugwiritsa ntchito mapulogalamu amene alipo.

[[FULT:0] Zikwanero za Boma:[[FULT:1]

  • Benefit.gov - Comprehensive wild wild wind wind professor ndi chiŵiya chopimira
  • USA.gov
  • Nkhani ya zachitetezo za Ubwino wa Anthu ndi za Chisungiko
  • Kusamalira thanzi. kugulitsa inshuwalansi ya thanzi ndi chidziŵitso cha Medicaid
  • Boma limapindula ndi ma portals -Boma lakulongosoledwa la programu ndi maprogramu

[[ML:0] Ziŵiya za Malo:

  • Mabungwe a ntchito zaumoyo akumaloko akupereka chithandizo ndi kuyang’anira nkhani
  • Ntchito za m’Nyanja Yothandiza Oloŵa M’dziko
  • Chithandizo chalamulo cha mabungwe opereka chithandizo chaufulu cha lamulo ndi mapindu a kukana ndi kuchonderera
  • Mabungwe osapanga phindu amene amachirikiza mwapadera anthu kapena zosoŵa zawo
  • Kugwiritsa ntchito Intaneti popanda kugwiritsa ntchito malaibulale, makompyuta, ndiponso nthawi zina kumathandiza anthu kulembetsa
  • Malo aakulu ochezerako ndi chidziŵitso ndi chithandizo cha achikulire
  • Kulephera kuyendetsa bwino zinthu m’njira zosiyanasiyana kumathandiza anthu ovutika kuyenda m’njira zosiyanasiyana

[[FULT:0] Thandizo la Ntchito:

Aphungu opindulitsa, ogwira ntchito yothandiza anthu, ndi oyang’anira milandu angapereke chitsogozo chaumwini chozikidwa pa mikhalidwe yanu.

Pankhani zovuta kwambiri zokhudza maprogramu angapo kapena zikalata zopempha kuti anthu adzimane, kufunsa loya amene ali ndi ntchito yothandiza anthu ku boma kungakhale koyenera.

Aphungu a zachuma angakuthandizeni kumvetsa mmene mapindu amagwirizanira ndi mkhalidwe wanu wa zachuma ndi kulinganiza kaamba ka kukhazikika kwa ndalama kwa nthaŵi yaitali.

Kuzindikira Ufulu ndi Udindo Wanu

Monga wolandira wopindulitsa, muli ndi ufulu ndi mathayo omwe ofunika kuwamvetsetsa.

Ufulu Wanu

Muli ndi kuyenera kwa kufunsira kaamba ka programu iriyonse ya phindu imene mumakhulupirira kuti muli oyenerera. Ofuna zachuma sangasankhule mozikidwa pa fuko, mtundu, chiyambi cha dziko, kugonana, msinkhu, kupunduka, chipembedzo, kapena zikhulupiriro za ndale zadziko.

Muyenera kuuzidwa zimene mwasankha kuchita pa nkhani ya ubwino, kuphatikizapo kukana kapena kutaya maganizo, pofotokoza zifukwa zimene mwasankhira zochitazo.

Muli ndi kuyenera kwa kufunsira kupindula kukana kapena kuchotsa. Kuchondererako kumasiyanasiyana ndi programu koma kaŵirikaŵiri kumaphatikizapo kupenda kwamitundumitundu, kungaphatikizepo kuzenga milandu kwa boma ndi apilo a khoti.

Makampani a boma amafunika kuteteza zinthu zanu ndipo angathandize kuti mudziwe zinthu zina zimene mukuzidziwazo.

Maprogramu ambiri amathandiza kumasulira ndi kumasulira zinthu za anthu olankhula chinenero chosakhala Chingelezi.

Muyenera kukhala m’nyumba yabwino ngati muli ndi vuto limene limakulepheretsani kupempha kapena kukonza malo oyenera.

Udindo Wanu

Kupereka chidziŵitso chonyenga kungatulutse mlandu waupandu, kupindula ndi kusayenerera, ndi kulipira.

Muyenera kusimba za kusintha kwa zinthu kumene kungakhudze kuyenerera kwanu kapena phindu la mlingo wa nthaŵi imene mufuna.

Muyenera kugwirizana ndi zofunika za programu, zimene zingaphatikizepo zofunika za ntchito, ntchito zofufuza ntchito, kutengamo mbali m’maprogramu a ntchito, opezeka pasukulu, ziyeneretso za katemera, kapena mikhalidwe ina ya kukhala wokhoza kupatsidwa.

Mwachitsanzo, ndalama zogulira chakudya chotchedwa SNAP zingangogwiritsidwa ntchito pogula chakudya choyenera, ndipo ndalama zogulira nyumba ziyenera kugwiritsidwa ntchito pomanga nyumba.

Muyenera kugwirizana ndi kupenda kwapamwamba, kufufuza kwachinyengo, ndi ntchito zina zauyang’aniro, izi zingaphatikizepo kupereka zikalata, kutengamo mbali m’kufunsa, ndi kulola maulendo apanyumba pamene afunikira ndi malamulo a programu.

Muyenera kulimbitsanso kuchuluka kwa madesiki anu ofunikira kuti mupitirize kulandira mapindu. Kusoŵa kwa masiku olembedwanso kungathetsedwe.

Kumaliza: Kuchitapo Kanthu Kuti Mupeze Mapindu

Mapindu a boma ndi mautumiki zimaimira njira yotetezera ndi yochirikizira mamiliyoni a Aamereka. Kaya muyang’anizana ndi mavuto osakhalitsa, kuyang'anira mkhalidwe wosachiritsika, kukonzekera kaamba ka kuleka ntchito, kapena kungogwira ntchito kuti mupeze zofunika za moyo, maprogramu alipo kukuthandizani kukwaniritsa zosoŵa zanu zofunika ndi kuwongolera mkhalidwe wanu wa moyo.

Chinsinsi cha kupeza mapindu ameneŵa ndicho kuzindikira zimene zilipo, kuzindikira kuti muli ndi ufulu, ndi kuchitapo kanthu kuti mugwiritse ntchito. Musalole kucholoŵana kapena kukayikira kukulepheretsani kufuna thandizo limene muyenera kulandira. Gwiritsirani ntchito zipangizo zothandizira kupeza thandizo, fikirani ku mabungwe othandiza akwanuko, ndipo musazengereze kufunsa mafunso pamene mukufunikira kulongosola.

Kumbukirani kuti kufunsira mapindu sikuli chizindikiro cha kufooka kapena kulephera . Maprogramu ameneŵa amakhalapo makamaka kuthandiza nzika panthaŵi zovuta ndi kusintha kwa moyo. Anthu ambiri odzidalira adalira pa thandizo la boma panthaŵi ina m’moyo wawo kuti athe kupyola nyengo zovuta kapena kukwaniritsa zonulirapo zofunika monga maphunziro kapena kukhala ndi mwininyumba.

Mukhozanso kugwiritsa ntchito zipangizo zamakono kuti mudziwe ubwino wake. Mukhozanso kulemba mapepala oyenera kuti mukonze mapulogalamu amene mukufuna.

Khalanibe odziŵitsidwa za mapindu anu, kwaniritsani zikalata zofunikira, lengezani kusintha kwa mwamsanga, ndi kugwiritsira ntchito mautumiki ochirikiza amene angakuthandizeni kukulitsa kukhazikika kwa ndalama ndi kudziimira pawekha.