Mitero yomunzvimbomo inomirira imwe yenzira dzakananga zvikurusa vagari vemo vanowanira nayo mari nzanga dzavo, asi tapuro dzayo dzinokwira nomubhadharo uri wose wemari yapamba munzira dzinowanzosacherechedzwa. Kubva pamutero wezvinhu unoiswa murendi yako yemwedzi nomwedzi kumuraudzo wokutenga kuwetesitisiro inowedzerwa kumari inotengeswa, iyi mitero inoumba ndyiko yokurarama nayo, kunaka kwemitero yavose, uye zvisarudzo zvemari zvinoita zuva riri rose. Kunzwisisa kuti mutengo wemitero womunzvimbomo unokosha sei nokuda kwomunhu upi noupi anotarisira imba, kuronga basa, kana kuti kungoedza kunzwisisa bedzi uko mari yavo inoendeswa. Nyaya inonzvera mitero yomunzvimbomo yomunzvimbomo, muuyo chaiwo paupenyu hwezuva nezuva, uye gadziriro dzinoshanda nokuda kwokushandisa rutivi urwu rusingadzivisiki rwemari yazvinodavirwa.

Mitero Yomunzvimbomo Chii?

Mitero yomunzvimbomo inyikwa kumanikidzirwa nesangano rehurumende renyika duku, mativi ezvikoro, mataundiki, uye maruwa chaiwo nenzvimbo dzinonzi “kutsigira mabasa nezvivako izvo hurumende kana kuti hurumende dzisingapi. Kusafanana nemitero yehurumende, mitero yomunzvimbomo yakabatanidzwa pamiganhu yenyika, zvinoreva kuti mwero negadziriro zvinogona kuchinja zvikuru apo unodarika taundi kana kuti kutamira kuruwa ruri pedyo. Mukuwirirana ne . S.[CM]

Mitero Yorudzi Rwomunharaunda

Kunzwisisa mapoka makuru kunobetsera kujekesa uko mari yako inoenda uye chikonzero nei dzimwe ndyiko dzichinzwa dzichirema zvikuru kupfuura dzimwe.

Mitero Yezvinhu

Mitero yezvinhu ndiwo manyuko makurusa emari yomutero yomunzvimbomo muUnited States, inoiswa neanopfuura 70% yemitero yose yomunzvimbomo mune dzimwe nyika. Inobhadharwa panzvimbo nezvivako zvakavakirwa paukoshi hwezvinhu. Mwero wemitero, unowanzoratidzirwa semwero mukurusa (mari inokwana $6 000 yemari inoongororwa), inoiswa nehurumende kuti itsigire zvikoro, mapurisa nedziviriro yomoto, kuchengetedzwa kwemigwagwa, maraibhurari emari, uye mapaki. Nemhaka yokuti mipimo inosiana zvikuru, varidzi vemisha munharaunda dzomumataundi makuru vanobhadhara kupfuura iyo iri mumisha yomumaruwa, kunyange pamwero wemari yakafanana. Vashanyi vanonzwawo kuvatasi: mitero inopfuura mari yemitero kupfurikidza nechikamu chavagari vemo chemari, mari inovavakidzwa senzvimbo inochengeterwa mitero, mitero yakavanzwawo.

Mitero Inotengeswa

Mitero inotengeswa inoshandiswa pakutenga zvinhu zvakawanda uye mamwe mabasa. Mitero yemo yokutengesa inowedzerwa pamutero wehurumende, naizvozvo mwero wese unogona kuvambira pa5% kusvikira ku 10% zvichitsamira paguta kana kuti nyika. Muhurumende dzakadai seTennessee, Louisiana, uye Alabama, mari yokuwedzera inogona kumanikidza mari yemari inotengwa pamusoro pe 10%. Iyi mitero inodzorwa zvakananga nemitero yakadai semari inobhadharwa (mumitero yezvokudya), zvipfeko, mafoni, makombiyuta, uye zvokudya kunze kwemari. Nemhaka yokuti mutero unodzoresa unodzosa mutengo wemari inoriswa nemari inotambirwa.

Mitero Inobhadharwa Munharaunda

Kunyange zvazvo mitero yemari inobhadharwa isati yanyanya kuzivikanwa zvikuru pane yemitero yokutengesa, mitero yemari inobhadharwa munyika inokwana 5 000 muUnited States. Inonyimwa mibayiro uye ingava inosara kana kuti ingava nhamba yakapedza kufunda. Maguta akadai seNew York City, Philadelphia, Detroit, uye vamiriniyati vakawanda muOhio nePennsylvania vanoisa mitero yemari inobhadharwa munyika. Iyi mitero inoderedza kubhadharwa kwadzorwa kwadzoresa, inova inova inotambira mari inobhadharwa uye inobhadharwa. Vagari vanobhadhara mitero yehurumende neyamu inobhadharwa, mutoro unowedzerwa unogona kuva mukuru, zvikurukuru munzvimbo dzinorarama.

Nharo Chaidzo Nevamwe VaRevhi

Mimwe mitero yomunzvimbomo inobatanidza mitero yokugara muhotera (inobhadharwa navashanyi asi inotapura ndyiko dzomunzvimbomo), mitero yemagetsi (pamagetsi, gasi, kana kuti kushandiswa kwemvura) mitero yemari yemota, mitero yemari yemari yenguva imwe kana kuti yenguva inotsamira pabetsero dzakatarwa. Iyi mitero miduku inobatanidza mitero yokugara muhotera (inobhadharwa navashanyi asi inotapura ndyiko dzomunzvimbomo), mitero yemari yemagetsi (pamagetsi, gasi, kana kuti kushandiswa kwemvura) mitero yemotokari, uye reze yebhizimisi. Iyi mitero miduku inogona kuwedzera uye kazhinji kacho inoiswa isingacherechedzwi kusvikira pandyiko hurusa yehotera kana kuti kunyoreswa kwemotokari, inodzokororo, inoidzosera.

Mashandiro Aiita Vashandi Vemasangano Okubhadharisa Mitero Munharaunda

Mitero yomunzvimbo iyoyo haisi mitsva, asi mitero inoshandiswa nemari inoshandiswa nevanhu vokuAmerica pakuitira vamwe mabasa avanenge vachiitira zuva nezuva.

K-12 Dzidzo

Zvikoro zvavose ndizvo zvikurusa zvinogamuchira mitero yemari yenzvimbo yomunzvimbomo. Mumaruwa akawanda, maruwa ezvikoro anotsamira pamitero yenzvimbo yomunzvimbomo nokuda kweinopfuura hafu yemari yavo. Maruwa ezvikoro akasanorongwa anokwezva mhuri nokuchengeta mipimo yepfuma, asi anodawo mwero wemitero yakakwirira. Nenzira inopesana, maruwa ane pfuma yakaderera angaparapatika kuti agovere mari yakakwana, kutungamirira vabereki kurangarira chikoro chapachivande kana kuti kuperekedza mari inodzorwa zvakananga asi inokosha nomutemo wemitero womunzvimbomo. Maererano neDidziro yeDidzo yemari yemari yemari yemari yemari [[FT:1], avhareji inoshandiswa nezviuru zvemari pakati pemaruwa, inowirirana zvakananga nemitero yomunzvimbomo.

Kuchengeteka Kwevanhu Vose

Mapurisa, madhipatimendi emoto, masangano ezvokurapa, uye kuchengeteka kwemitemo zvinotsigirwa zvikurukuru nemitero yomunzvimbomo. Mitengo yezvokuchengeteka yapamutemo yakasimba inowanzova nemwero yakaderera youtsotsi uye nguva dzokudavidza dzinokurumidza, kuderedza ndyiko dzemari dzechipavhudziro nokuda kwevagari vemo (muchib., gadziriro dzekudzivirira dzapachivande, mari yakakwirira yeinishuwarenzi, kana kuti mitero yezvokufambisa). Nzvimbo dzakabatanidzwa neiyi mitero dzingaita kuti vagari vemo vaderegere kupfurikidza neinishuwarenzi dzinodhutsanwa zvikuru kana kuti kudikanwa kwekubhadhadharo yadzo dzomunhu oga.

Kugadzirwa Kwezvinhu uye Zvekufambisa

Mitero yomunzvimbomo inochengeta migwagwa, mabhiriji, zviratidzo zvemotokari, nzira, uye gadziriro dzokufambisa vanhu vose. Migwagwa inezvokunaya inoderedza kupera nokusakara uye inovandudza kushanda zvakanaka kwemafuta, ichichengetedza vatyairi mazana emadhora pagore. Mukupesana, nzanga dzine simba rakaipa ravagari kuti vapedze yakawanda mukugadzira motokari, kutsiva matai, uye kunyange kuderedza motokari. Kutakura vanhu kunotsigirwa nemitero yomunzvimbomo kunogona kuderedza mari inotengwa nedzimba dzinorega motokari yechipiri.

Mapaki, Maraibhurari, uye Zvirongwa Zvenzanga

Madhora omunharaunda anotsigira mapaka emitero, nzvimbo dzevaraidzo, madziva okushambira, maraibhurari, nzvimbo dzapamusoro, uye mapurogiramu etsika.

Tapuro Yakananga Pandyiko Dzezuva Riri Rose

Pasi apa pane mitero mikuru inoita basa guru.

Mitengo Yedzimba

Mitero yenzvimbo imari yakananga nokuda kwavaridzi vemisha nemutengo usina kunanga kuvarendi. Munzvimbo dzemitero yakakwirira seNew Jersey, ine avhareji yemwero wemitero yenzvimbo ye 2,23% yemari yemusha, musha unotakura mutero wegore negore wemari inodokusvika $9 000. Iyo inoshandura kusvika ku $750 pamwedzi yakavakirwa mumutengo wedzimba. Vatendi vanobhadhara iyi nerendi yakakwirira seyakakwirira se-New Jersey, ine mari yemitero yemari yemari yemari yebasa, uye mari yokutenga mari yemisika inogadziridzwa. Mhuri, kuenda kupepa rekitari resitorendi resivhi regore rimwe nerimwe dzinogona kusunungura mazana emadhora emadhora, asi kazhinji kacho zvinoreva kuva nemabasa makuru, zvikoro zvinokwirira vanhu vomumaguta.

Kutenga Nokudya

Nguva iri yose yaunotenga shangu, kudya paresitorendi, kana kuti kutenga zvinhu zvemhuri, mutero wezvokutengeserana womunzvimbomo unowedzera kuhwerengedzo. Mumaguta ane mitero yakakwirira seChicago, nyika yakabatanidzwa pamwero womunzvimbomo inopfuura 10.25%, kureva mari ye $100 yenzvero ye $10.25. Gore rimwe, mhuri inopedzera $3,000 pamitero inobhadharwa uye mabasa inogona kubhadhara mari yokuwedzera $3,3 500 (mutero womunzvimbomo unoenzaniswa nemhuri munharaunda yakaderera seColoradorado Spylands (iyo ine mwero wakabatanidzwa we 8% kana kuti pasi).

Kufamba uye Kuva Muzvinabhizimisi

Mitero yemunzvimbo dzinochengetedzwa inochinja mari yokufambisa nemimwe mizhinji. Mitero yemutero (inowanzopiwa kunzvimbo dzose dzehurumende nedzemo) inowedzera mari parita rimwe chete. Mitero yezvitoro kana kuti mari yokunyoresa zvinhu, inobhadharwa gore negore mune dzimwe nyika, kuwedzera kumutengo wemotokari. Uyezve, mutero wokutenga motokari itsva kana kuti inoshandiswa unowedzera zviuru zvemadhora. Kutengesa mari yehurumende pamitero yemochadenga kunogona kuderedza mari iyi, asi vagari vemo bedzi vanoshandisa basa racho.

Kurapwa Neinishuwarenzi

Nepo mitero yomunzvimbomo ichidzorwa zvakananga, pesvedzero yezvoutano yomunzvimbomo inoshandiswa kupfurikidza nemitero yoruwa rwechipatara (inoshandiswa kutsigira zvipatara) uye kupfurikidza nemitero yenzvimbo inotsigira madhipatimendi outano. Nzvimbo dzine gadziriro dzoutano dzavanhu dzakashatiswa dzingaona mari dzeinishuwarenzi dzakakwirira zvikuru kana kuti kushandiswa kwakawanda kwetarisiro yekamuri rekurumidziro inodhura. Mitero yenzvimbo inobhadharira mari yemoto neEMS, izvo zvinogona kutapura mari dzinobhadharwa namuridzi veinishuwarenzi dzeinishuwarenzi dzinotungamirira kukuva pasi peISO (Hofisi yemahofisi yemipiyunzi) uye kuderedza mari dzinobhadharwa.

Mitero Yomunharaunda Yakasiyana - siyana

Mhuri mbiri dzinowana mari imwe cheteyo mumativi akasiyana enyika dzinogona kuva nemitoro yemitero yakasiana zvikuru uye, somuuyo, mari inoraswa yakasiana - siana.

Mahure Akakwirira

Maguta makuru akadai seNew York, San Francisco, Chicago, uye Los Angeles anobatanidza mitero yenzvimbo yakakwirira, mitero yakakwirira yemari inotengeswa, uye kazhinji kazhinji mitero yemari yomunharaunda. Vagari veNew York City, somuenzaniso, vanobhadhara mutero wemari wemo we3,876% pamusoro pemitero yehurumende. Mitero yenzvimbo inokwidziridzwawo. Ikoku kunoparira mutengo wakakwirira wokurarama uyo unodzora mhuri kugovera mugove mukuru wemari inotambirwa kumitero, kuderedza mari yakachengetwa uye kubhadharwa mari.

Nharaunda dzomumaruwa nedzine Turban

Mitero yemaruwa nemimwe miduku miduku inochengeta mitero yakaderera kuti ikwezve vagari namabhizimisi. Somuenzaniso, mativi eTexas haana mitero yomusha yaanowana nemwero wemitero yemari iri pasi pe 1.5%. Mitero yemari munharaunda dzomumaruwa ingavawo yakaderera. Zvisinei, mari yemitero yakaderera kazhinji kazhinji inoreva mitengo yavose yavose yakaderera zvikuru. Nguva dzekurumidziro, kugadzirirwa kwemigwagwa kwakawanda, uye kuva nenharo shomanene. Vagari vemo vanofanira kuyera kushambadza pakati pemitero yakaderera uye mwero webasa.

Nzvimbo Dzisina Mitero Nemaruwa Anokosha

Dzimwe nzvimbo dzinoita maruwa emitero anobatsira kuti pave nemitero yenguva pfupi kuti pave nebasa rinoita kuti pave nenzvimbo dzinonzi dzinofanira kubhadhara mitero, uye dzimwe nzvimbo dzinoita kuti vanhu vasabhadhara mitero yakawanda, asi dzinoita kuti mitero yacho iende kune dzimwe nzvimbo kana kuti kune vaya vachabhadhara mitero.

Mitero Yakavanzwa uye Yakavigwa

Kunze kwemapoka makuru, mitero mishomanene yomunzvimbomo isingaonekwi zvikuru inotapura chinyararire ndyiko yezuva riri rose.

  • Mitero yokusawana mari: Maguta akawanda anoisa mutero pamagetsi ako, gasi romusikirwo, mvura, kana kuti tsvina yetsvina (kazhinji kazhinji mutengo wakati wawedzerwa kumashoko ose emwedzi nomwedzi. Ikoku kunokwidza ndyiko dzokuchengeta musha wako wakabatidzwa, unodziya, uye uchimhanya.
  • Kugara mutero: Uchibhadharwa zvikurukuru navafambi, iyi mitero (kazhinji kazhinji 3-8% yemwero wekamuri) inowedzera ndyiko yeshanyo dzomunzvimbomo, iyo inotapurawo mabhizimisi omunzvimbomo navashandi.
  • Mitero yeAlcohol nefodya: Dzimwe nguva hurumende dzomunzvimbomo dzinowedzera mitero yadzo dzimene yekare pazvinodhaka, fodya, kana kuti zvigadzirwa zvemuchina, kukwidza mitengo nenzira inokosha.
  • Mitero yerendi yenhambo nenhambo: Mumhinduro kukukura kweAirbnb neVRBO, maguta mazhinji zvino anotera marendi enhambo pfupi, anogona kuwedzera ndyiko nokuda kwavagari vanorenda kamuri kana kuti misha panhambo nenhambo.
  • [ Mitengo yokupaka yomunharaunda nemitengo: Mitengo yokupaka yomunharaunda, kukwidza, uye migwagwa inobetsera mibhadharo youshandi inoshanda zvinobudirira semitero, ichiwedzera kundyiko dzezvokufambisa.

Mitero iyi yakavanzwa inowanzova miduku muukuru asi pamwe chete inowedzera. Imba ingabhadhara mari yokuwedzera $100 - R220 pagore mumitero inoshanda bedzi, uye mimwe mazana anoverengeka mumitero yokupaka motokari, kunyoresa kwemotokari, uye mitero yemotokari.

Kupunzika Kwemitero Nokuzvidzwa Kwevagari Vemo

Mitero yakawanda inobvisa vanhu panzvimbo yavanobhadhara mitero, kana kuti inobhadhara zvikwereti zvinogona kuderedza simba remapoka akati.

  • Kusapinda pamusha kwenzvimbo: Nyika zhinji dzinobvumira varidzi vemisha kubvisa chikamu chomutengo wemisha yavo pamutero wezvinhu, kuderedza chitsama chinobhadharwa. Ikoku kazhinji kazhinji kunoitirwa padzimba dzokugara dzokutanga kubatsira varidzi vemisha. Varidzi vedzimba.
  • Mugari wemo akaremara nokusasunungurwa:[[FL:1] Ma Senior (zvikurukuru anopfuura 65) uye vagari vakaremara vangakwanirisa nokuda kwemari yenhumbi yakaderedzwa yomutero kana kuti kuoma kwechando pamwero wekuwedzera.
  • Mitero inoregeredzwa pazvinodikanwa:[[FL:1] Dzimwe nyika dzinohesvura zvokudya, mirimo inobvumirwa nachiremba, uye zvipfeko pamutero wokutengesa, kunyange zvazvo hurumende dzomunzvimbomo dzichiri kubhadhara zvinhu izvi mune zvimwe zviitiko.
  • Tsvakaro dzemitero dzinobhadharwa: Maguta mashomanene anopa zvikwereti zvemitero inotambira mari inotambirwa kana kuti chikwereti chemhuri dzinowana mari shoma kuti atsive mitero yemari yomunharaunda.
  • [ Mitero inodzorwa: Vamwe vanobvumira vakuru kunonoka kubhadhara mitero yenzvimbo kutozosvikira musha watengeswa, kuchideredza dzvinyiriro yemari.

Vakawanda havatombozivi kuti varipo nokuti mawebsite ehurumende yeko nemahofisi anoongorora mitero anogovera zvimiro, asi kutsvakurudza kunoitwa kunoitwa nehurumende kunoda basa.

Kutarisira Mutoro Wako Wemitero Womunzvimbomo

Nepo usingagoni kudzivisa mitero yomunzvimbomo chose chose, unogona kuita nhano dzokuderedza muuyo wayo pamari yako yomunhu oga.

Nzwisisa Mitero Yako Yomunzvimbomo

Tanga kupfurikidza nokunzvera mwero yemitero nemitemo muguta rako neruwa. Trust Foundation inobudisa State-Anogement Taxil Ranlistrals inoratidzira kuti vagari vanobhadhara vanhu vangani sechikamu chemari inotambirwa. Kuziva mwero wako wemitero unoshanda zvinobetsera nokuronga mari uye kuronga nguva refu.

Kutemwa kweMitero

Kana nzvimbo yaunogara ichibvumira, shandisa maAwakense Ezveutano (HS AS), Maakaundi Okushandisa Akachinjane Nemashandisirwo Anoita Mari (Masika), kana kuti mipiro yokurega basa kuti uderedze mari inobhadharwa yomunzvimbomo inoshanda (zvikuru nokuda kwemitero yemari yomunzvimbo yomunzvimbomo).

Kumbirai Kukumbirwa Kupiwa Mitero Yezvinhu

Kana ukoshi hwemusha wako hwakanzverwa huchiita sohwakakwirira zvikuru pamusoro pokutengesa kuchangobva kuitwa, unogona kunyora chinyorwa chefashoni.varidzi vemisha vakawanda vanoderedza nenzira inobudirira mutero wavo kupfurikidza nokugovera mashoko akaenzana okutengesa kana kuti ufakazi hwezvikanganiso zvezvinhu.

Tengai Nenjere Mutero Mundangariro

Munzvimbo dzine mitero yakawanda yezvokutengesa, funga nezvokutenga zvinhu zvikuru (maappliance, maelectronic, fanicha) zviri pasi pemitero kana iri pamutemo. Kutenga paIndaneti kungakuchidzira “kushandisa mitero”, asi kuchengetwa kunosiyana.

Ita Basa rehurumende Yomunzvimbomo

Pinda misangano yedare reguta, vhota musarudzo yomunzvimbomo, uye tsigiro kana kuti shora nhano dzemitero. Muitiro wemitero womunzvimbomo unoumbwa nomuvhoti anotora rutivi. Muvhoti akasanoumbwa anogona kusunda zvivako zvemitero zvinowirirana zvikuru uye kushandiswa kwokungwarira.

Kuda Kubhadhara Mutero Kwomunguva Yemberi

Zvinhu zvakasiyana - siyana zvichachinja mashandisiro anoita vanhu vagari vemo mitero iyi mumakore anouya.

  • Basa rokubhadharisa ne nexus yemitero: Sezvo vanhu vakawanda vanoshanda vachibva pamba, nhau yeuko mari inotambirwa iri kuva yakaoma. Mamwe maguta ari kuedza kubhadhara mutero wavashandi vasiri voga, zvichitungamirira kuhondo dzepamutemo uye kuchinja kungabvira munzvimbo umo mitero yomunharaunda inoshanda.
  • Mitero yemitero yemitero yemitero yemabasa: mitero inodzorwa, kuzvinyoresa kwesoftware, uye kushambadza kwemichina kunonangidzirwa nenzira inowedzera nemitero yomunzvimbomo. Ikoku kukudza nharaunda yemitero asi kunowedzerawo ndyiko nokuda kwavatengi.
  • Kuchinja mutero kwaichinje: Mipimo yemusha inokwira yakanyandura kukumbirwa kwekepisi pamutero wezvinhu wedzero kana kuti kusunungurwa kworupo zvikuru kudzivisa kubviswa kwavagari venguva refu.
  • [ Mitero yemari: Mitero yecarbon, mari inotengwa nemhepo, uye kunzvera kwemipimo yemichero yevhu zviri kubuda sezvo hurumende dzomunzvimbomo dzinochinja mugariro wokunze. Ikoku kuchawedzera kumitengo yepfuma nenguva.
  • [[[NHAU: 0] Kuzvidira nokuunganidzwa kwemitero yokutengesa:[[FT: 1] ruzivo rwokugadzirwa kwezvinhu rwakavandudzwa ruchaita kuti zvive zvakaoma zvikuru kuti vatengesi vepaIndaneti vadzivise kuunganidza mutero wokutengesa womunzvimbomo, ungagona kuderedza mwero yechinhu chimwe nechimwe sezvo kukura kwehwaro.

mhedziso

Mitero yemo inogara inogara iripo kuti ive chinhu chinobatsira munzanga dzose. Zvinotsigira mabasa anokosha ayo vagari vemo vanotsamira pazuva nezuva, asi zvinomanikidzawo mari yakananga uye inopfuudzira pamhuri. Nokunzwisisa mhatsa dzakasiyana - siyana dzemitero yomunzvimbomo, kuziva zvadzinoita pakugara, kutenga, zvokufambisa, uye dzimwe mari dzezuva nezuva, uye kuramba vachiziva nezvokuti kusabvumirwa uye kuchinja kwemaitiro, vanhu vanogona kuita zvisarudzo zvemari zvakanaka. Kana uri mudzidzi anodzidza zvemari, mudzidzisi akagadzirira chidzidzo, kana kuti mhuri inoshandisa mari, mano okuongorora mitero yomunzvimbomo chishandiso chine simba. Munhambo yokuwedzera kwekusaenzana kwemitero uye kuchinja mashandiro, kurukurirano pamusoro pezvinopiwa nechakura nokuda kwechanzi. Nhanhonga yokutanga ndeyokuziva kuti unobhadhara uye nei.