Ukuthola indawo ephephile, ehloniphekile, nekwazi ukuthenga indawo yokuhlala kungenye yezidingo eziyisisekelo zanoma yimuphi umuntu noma umkhaya. Nokho, ngokunyuka kwentela yokuqasha, iholo elishibhile, kanye nezimakethe zokuhlala eziqinile kulo lonke izwe, lesi sidingo esiyisisekelo sengxoxo yezwe ngokuvamile igxila ezimisweni zikahulumeni noma ezentengiselwano zezentengiselwano, izixazulu ezisheshayo nezingasetshenziswayo zitholakala ezindaweni zendawo. Idolobha lakini, isifunda, noma izifunda zezindawo zokuhlala zinikeza uhlu lwezinhlelo eziklanywe ukuvala igebe phakathi kwemali okwazi ukuyithenga nalokho okufunwa imakethe. Ukuqonda le zinhlelo zezokuthengisa, ukuthi zisebenza kanjani, futhi zisebenza kanjani umehluko phakathi kokuntengantenga nekhaya elilondekile. Lendlela yokuqondisa izakhiwo yasekhaya inikeza ukusetshenziswa kwezinhlelo zikahulumeni zendawo.

Okwenza Izinhlelo Zikahulumeni Wendawo Zibaluleke Ukuze Kutholakale Izindlu Ezibiza Kakhulu

Ohulumeni bendawo banezikhundla ezikhethekile zokusingatha izinselele zezindlu ngoba baqonda amandla akhethekile emiphakathi yabo siqu. Ngokungafani nezindlela zikahulumeni ezibanzi ezisebenza kulo lonke izwe, izinhlelo zendawo zingahlotshaniswa ngamazinga eholo lesifunda, amasheya, namanani entela ezindawo. Lezinhlelo zivame ukuphelelwa amandla, zivumele ubuhlobo obuqondile nabanikazi bendawo, abakhokheli bemali, nabathuthukisi. Babuye basebenze njengenetha lokuphepha elibucayi, bengagodli nje kuphela usizo kodwa futhi nezindlela zokuqasha izindlu, izinkonzo zokuhlala eziphuthuma, kanye nezinkonzo ezisekelayo ezibangela impande yokungalondeki kwezindlu, umsebenzi onjalo wokulahlekelwa noma ukulahlekelwa ezokwelapha.

Ngaphezu kwalokho, izikhulu zendawo zezindlu (LHA) kanye neminyango yokuthuthukisa umphakathi zinikeza izimali zikahulumeni njenge-Community Development Block Grant (CDBG) ne-HOME Investivation Stains Program, ezinezela ezindinganisweni zesibopho sendawo noma intela. Lokhu kubekwa kwezimali eziqinile kusho ukuthi ngisho noma uhlelo olulodwa lunohlu olulindile, olunye lungase lube nezivulo ezisheshayo. Ngokufunda indawo yonke yeminikelo yendawo, wandisa amathuba akho okuthola ikhambiso elifanelana nesimo sakho esiyingqayizivele.

Izinhlobo Zosizo Lwezindlu Zohulumeni Wendawo

Ohulumeni bendawo abaningi banikeza izinhlelo zezinhlelo. Nakuba amagama nemininingwane eqondile kuhluka ngokwendlela ebekwe ngayo, ngokuvamile bawela eziqenjini eziningana eziyinhloko. Ukuqonda lezizigaba kuyisinyathelo sokuqala sokuthola ukuthi yini engase itholakale endaweni yakini.

Izinhlelo Zosizo Lwamazinyo

Indlela eyaziwayo yosizo lokuqasha i-Home Choucer Program, evame ukubizwa ngokuthi i-Cate 8, kodwa ohulumeni bendawo abaningi basebenzisa izinhlelo zabo siqu ezingaphansi kwentela yentela yendawo noma imali ekhethekile. Laba baxhasi bendawo ngokuvamile banezinhlu ezimfushane zokulinda nemithetho ethambile.

  • Ukukhokha i Voucher (HCV): Ikhonzwa yi-'inkampani yomphakathi yendawo yakini (PA). Uthola inkampani yakho yokuqasha (ehlangabezana nezindinganiso zohlelo), nePHA ikhokha ingxenye yentela kumnini-ndlu ngokuqondile. Ukhokha cishe i-30% yeholo lakho elithuthukisiwe ngenyanga ngaphaya.
  • Ama-Rental Subsidies asendaweni ezungezile (umzk., iDolobha noma i-County Vouchers): Abanye omasipala bahlela izimali ezivamile zezimali noma iziqobo zikahulumeni banikeza izimali zokwakha usizo oluqashelweyo noma izingosi zemali ezingasho lutho ezingase zithathiwe uhlelo lwe-HCV. Laba bangahlasela imiphakathi ethile njengasebekhulile, omakadlwandi, noma imikhaya ephunyukayo ebudloveni basekhaya.
  • Rapid Re-Howing (RRH): Iklanyelwe abantu nemikhaya engenamakhaya noma esengozini eseduze yokungabi nakhaya. RRH inikeza usizo olufushane lokuqasha kanye nokuphathwa kwezezimali ukuze uvikele izindlu ngokushesha futhi uzuze ukuzinza.

Izindlu Zomphakathi

Izindlu zomphakathi zihlanganisa izakhiwo zokuhlala noma amakhaya omkhaya owodwa ophethwe futhi aphethwe yigunya lezindlu lendawo. Ama-rent abekwe emazingeni angafinyeleleki . Ngokuvamile amaphesenti angu-30 eholo elilungisiwe lendlu. Nakuba izindlu zomphakathi ziyisibonelo esidala, iziphathimandla eziningi zihlola izigaba zazo ngezinhlelo zikahulumeni njenge Renel IntectalFrectionition (RAD) ukuze zithuthukise izimo nokugcinwa kwezikhathi ezinde. Ukulinda uhlu lwezindlu zomphakathi kungabande, kodwa ezinye izinhlu zimiswe abantu abadala noma abantu abakhubazekile, ezingakhulula abantu.

Izinhlelo Zokusiza Abaninikhaya

Imikhaya eminingi isuke ifuna ukuqasha indawo yayo. Ohulumeni bendawo banikeza izinhlelo ezihlukahlukene zokuhlala ukuze le mpahla ikwazi ukutholakala, ikakhulukazi kubathengi bokuqala.

  • Imali ebhakathiwe ephansi ne-Closing Cost Active: Lemali iyimali ebolekwayo ethethelelwayo noma imvume ekhokhelwayo ehlanganisa isamba semali kusukela ku-R35 000 kuya ku-R350 000 ukuyokhokha imali ehhhala noma emalini yokuphetha. Uma kushintshwane, kungase kudingeke uhlale ekhaya isikhathi esithile seminyaka.
  • [[NTL:0] IMartgage Credit satifiketi sokwenzelwa (MCC):[ I-MCC ikuvumela ukuba uthengise intela kahulumeni ngengxenye yenzalo yokwenzelwa isikweletu osikhokha unyaka ngamunye, ukwandisa imali yakho yokuthatha ikhaya futhi wenze ukuba umninikhaya athenge.
  • Below-Market-Rate- (BMR) Umninikhaya: Amanye amadolobha adinga abathuthukisi bezindlu ezintsha ezidayiswayo ezithengiselwa abathengi abaphansi nabathola imali elinganiselwe. Ukungasheshi kusekelwe emalini oyitholayo, futhi ungadinga ukuthatha izifundo zemfundo yasekhaya.
  • Imali eyi-commonity Land Trusts (Izintengo): Inhlangano engenanzuzo noma uhulumeni wendawo yiyo kuphela esendaweni, futhi uthenga indlu. Lokhu kunciphisa kakhulu inani lokuthenga futhi kuqinisekise ukuthi inzuzo ikhona isikhathi eside. Ohulumeni abaningi bendawo banikeza izisusa zentela noma imali eqondile exhasa iCLT.

Intuthuko yomphakathi u-Grant (CDBG) Uhlelo

Isimiso se CDBG samazwe aphethe sinikeza ohulumeni bendawo imali evumelanayo ukuze babhekane nezidingo zezindlu nezomphakathi.

  • Indlu eqashiwe ekhona ihlalisa umnikazi noma indlu yokuqasha.
  • Ukwakha noma ukuthuthukisa izindawo zokukhosela ezingenamakhaya nezindlu ezishintshashintshayo.
  • Ukuxhasa ngokukhokha amacebiso alungile ezindawo zokuhlala nezinkonzo zokusiza umnini-ndlu.
  • Ukunikeza izimali zokulungisa ikhaya eliphuthumayo kubanikazi bezindlu abaholayo abaphansi (isib., ukubuyisela, ukulungisa isimiso sophahla) ukuze kuvinjelwe ukushenxiswa ngenxa yokuphulwa kwemithetho.

Njengoba i CDBG iyisiphakamiso, iminikelo eqondile iyahlukahluka kakhulu ngedolobha noma isifundazwe. Thintana nomnyango wokuthuthukisa umphakathi wakini ukuze uthole ukuthi yiziphi izinhlelo ezithize ze CDBG-ozifakiwe ezikhona endaweni yakini.

Izindlu Ezisekelayo Nezinhlelo Ezikhethekile

Ohulumeni abaningi bendawo abasebenza nezinhlangano ezingazuzisi ukunikeza "izindlu zokuxhasa"" `Izindawo zokuqasha ezingakhokhwayo ezihlangene nezinkonzo zempilo yengqondo noma ezihlangene njengezeluleko zengqondo, ukwelashwa ngezidakamizwa, ukuqeqeshwa emsebenzini, noma ukunakekelwa kwabantwana. Lezi zinhlelo zivame ukuhloselwe:

  • Abantu abangenamakhaya ngokulandelana kwesikhathi.
  • Abahlali (ngezincwadi ze - HUD - VASH kanye nezindlela zokuthatha izindlu zomuntu wendawo).
  • Abasinda ebudloveni basekhaya.
  • Abantu abane - HIV/AIDS.
  • Abantu ababevalelwe ngaphambili baphinde bangena emphakathini.

Uma wena noma othile ekhaya lakho ewela kwesinye salezi zigaba, ukufuna isimiso sokusekela indlu yendawo kungase kunganikeli nje kuphela ukuqashwa kwentela okubizayo kodwa futhi nokuzinziswa kwemali yokuziphilisa.

Indlela yokuthola Izinhlelo Zokuhlalisa Zasendaweni: Isiqondiso Esilandelanayo

Ukwazi ukuthi lezi zinhlelo zikhona kungenye into; ukunyakazisa inqubo yokusebenza ngempumelelo kungenye. Nali ibalazwe elisebenzayo lomgwaqo ukuze uxhunyiwe nesimiso sendawo esiyiso.

Isinyathelo Sokuqala: Thola Igunya Lezindawo Zokuhlala Nehhovisi Lentuthuko Yomphakathi

Isinyathelo sakho sokuqala ukuthola izinhlangano eziqondile eziqondisa izinhlelo zezindlu edolobheni lakho noma esifundeni. Funa amagama afana "[Dolobha] Igunya Lezindlu" noma "[Umnyango Wesifunda Sakho] Wewebhu yezendlu ye-Community Development". inikeza uhlu lwezinhlangano zezindawo zomphakathi zezindawo zokuhlala ngombuso [, olungaba iphuzu eliwusizo. Iphawu lewebhusayithi lenhlangano nezimpawu ze-imeyili uma zikhona, njengoba uhlu lwezindawo zokulinda luvame ukumenyezelwa ngesaziso esincane.

Isinyathelo Sesibili: Ukucwaninga Ngezinhlelo Okukhona Futhi Uhlole Ukufaneleka Kwakho

Uma ususendaweni ye-athom, funa i- “Horing Programs” noma“Usizo Lwamazinyo”. Uhlelo ngalunye luzodweba uhlu lwezilinganiso zokungangeni, ngokuvamile olusekelwe ku:

  • Inzuzo: Izinhlelo eziningi zibeka isilinganiso seholo eligcwele, ngokuvamile elivezwe njengephesenti le-Aquare Median Income (AMI). Ngokwesibonelo, uhlelo lungatholakala kuphela emikhayeni ethola noma engaphansi kwe 50% noma 80% ye-AMI.
  • Isayizi yendlu yendawana: Imingcele iyahlukahluka ngokwenani labantu emkhayeni wakho.
  • I-Citizeship noma isimo sokufuduka: Izinhlelo eziningi ezifakwe i-HUD zidinga i-ud yase-U.S. noma isimo sesifiki esifanelekile, kodwa ezinye izinhlelo zendawo zingaba nemithetho ehlukile.
  • Iziqu ezikhethekile:[ Ezinye izinhlelo zigcinelwe abantu abadala (62+), abantu abakhubazekile, abangomakadebona, noma abantu abangenamakhaya.

Ukusebenzisa uhlelo ongalufanelekeli ukuze uchithe isikhathi sakho kunganciphisa ukufaneleka kwakho futhi kungase kwehlise ijubane labanye abafanelekayo.

Isinyathelo 3: Butha Umhumusho Odingekayo Kusenesikhathi

Ilinde kuze kube ifasitela lokusebenza livuleka ukuqoqa amadokhumende kuyiphutha elivamile eliholela ekuphunyukeni kwezinsuku ezimisiwe. Lungisa lezizinto ngaphambi kwesikhathi:

  • Ubufakazi bokuthi ungubani wonke amalungu emikhaya (iphepha - mvume lomfula, isitifiketi sokuzalwa, ipasi lokungena).
  • Amakhadi Omphakathi Awokulondeka noma izincwadi ezingokomthetho zomuntu ngamunye.
  • Ubufakazi beholo: ukukhokha iziphazamiso, amafomu entela, izincwadi ze - Social Security award, izingane zisekela imvume egciniwe, ukungasebenzi kuzuzisa izinkulumo.
  • Ubufakazi bempahla: amasheya asebhange, ama - akhawunti okutshala imali, izincwadi zokuba nempahla.
  • Isivumelwano sokunqanda nokukhokha izindleko zesimiso sokuzivikela (uma manje uqasha).
  • Izincwadi zokuxoshwa noma zokungabi nakhaya (uma zisetshenziswa) nezincwadi ezivela kubaqashi benkonzo.

Ukuba nala maphepha kukuvumela ukuba uthumele uhlelo oluphelele ngesikhathi sokulinda kuvulwa uhlu, olubucayi ngoba uhlu oluningi luzakuza kuqala, lugcinwe kuqala.

Isinyathelo 4: Beka Isicelo Sakho Ngokufanele Nangokuphelele

Izikhulu eziningi zendawo zezindlu manje zisamukela izicelo kuyi-inthanethi. Nokho, ezinye izinhlangano ezincane zingase zifune ukufakwa kwephepha noma ukuhla kwephepha. Landela iziyalezo ngokunembile. Izihibe ezivamile zihlanganisa:

  • Phuma amasimu angabhalwanga lutho (sebenzisa “N/A” uma kungakhokhwa).
  • Ukunikeza izinombolo zokulondeka komphakathi ezinganembile noma izilinganiso zemali edonswayo.
  • Awekho amalungu omkhaya (kuhlanganise nezingane noma abazali asebekhulile abahlala nawe).
  • Ukungabikho kohlelo lokusebenza oluthatha isikhathi eside ngisho nangomzuzu owodwa (amawashi esimiso angaba aqinile).

Uma uhlelo lukuvumela ukuba ugcine futhi ubuye kamuva, ungalindi kuze kube usuku lokugcina. Faka okungenani amahora angama-24 ngaphambi kokugcina isikhathi ugwema amagilishi obuchwepheshe.

Isinyathelo Sesihlanu: Phishekela Ukuzibandakanya Nezingane Zakho

Ngemva kokunikeza, phawula isiqinisekiso noma irisithi. Uma ungezwa emuva phakathi kwe-drame yesikhathi esilindelekile (futhi izinsuku ezingu-30-90), xhumana nomnyango we-odoli yokudla. Gcina umbhalo wazo zonke izinkulumo(usuku), isikhathi, igama lommeleli, kanye nalokho okuxoxwe ngakho. Qondisa ukwaziswa kwakho kothintana ne-PHA ngokushesha uma unyakazisa noma ushintsha izinombolo zocingo. Ukulinda uhlu lungathatha izinyanga noma ngisho neminyaka, futhi uma i-PHA izama ukufinyelela kuwe futhi ihluleka, ungasuswa ohlwini.

Ukwandisa Ukufuna Kwakho: Imithombo Ehlobene Nobuhlobo

Izinhlelo zikahulumeni wendawo zezindlu ngokuvamile zisebenza ekuhlanganiseni nezinye izinhlangano zomphakathi.

Abeluleki Bezindlu Abangazuzisi

Izinhlangano zezeluleko zezindlu ezigunyazwe yi - UD ngokuvamile zixhaswe ohulumeni bendawo. Zinganikeza usizo olulodwa olukhululekile ngezindlela zokusebenza, ukulungiswa kwesikweleti, ukweluleka ngezimali, nokuqonda amalungelo ezindlu ezilungile. Ukuze uthole umeluleki eduze kwakho, vakashela umeluleki wezindlu [[[FLT:] noma ucingo olungu-2-1 [1]

Ukuthembana Kwezwe Lomphakathi Nokuhlinzwa Okulinganiselwe

Ohulumeni abaningi bendawo basekela ukuthenjelwa kwezindawo zomphakathi kanye nokubambisana okulinganiselwe kwezindlu ezikhona njengezibonelo zokukhokha ezifinyelelekayo. E-CLT, ukuthenjelwa kwezwe kugcina indawo, kwenza ikhaya ngokwalo libe elishibhile kakhulu. Imingcele yokubuyisela ivimbela iqinisekisa ukuthi ikhaya lihlala likwazi ukuthengwa abathengi besikhathi esizayo. Buza umnyango wakho wokuhlela uma kune-CLT endaweni yakini nokuthi ungayisebenzisa kanjani ikhaya elikhona.

Izibopho Zezindlu Zasendaweni Nokuzilungisa

Eminyakeni yamuva, amadolobha adlulise izibopho zezindlu ukuze axhase ukusungulwa kwezindlu okungabizi lutho nokukhokhelwa kwezimali zokuqasha. Imithetho yokuhlela i- Inclusion idinga abakhi abahlanganisa amaqembu abizayo emikhankasweni yezentengiselwano ezintsha. Lamaqembu ngokuvamile atholakala ngesimiso somdlalo welotho. Hlola uhlelo lwedolobha lakho noma ingosi yezindlu zendlu ukuze uthole ukwaziswa ngezindawo zokubheja ezizansi zezindawo zokuthengisela. Imvume yale lemidlalo ivame ukwehlukaniswe kuhlu lwe-PHA elindiwe.

Ukunqoba Izithiyo Ezivamile Nezihibe

Nakuba uthola ukwaziswa okuqondile, indlela yokuthola izindlu ezibiza imali eshisiwe ingagcwala izithiyo.

Izimiso Ezinde Zokulinda Nezakuqala

Izinhlelo eziningi zosizo lwentela zilindele ukuba kuhlale izinhlu ezilinganayo iminyaka eminingi, kodwa kukhona amasu:

  • Sebenzisa uhlelo oluningi[ -- ngayinye inohlu lwayo.
  • Funa isimo esiza kuqala[: Uma ungenakhaya, uyisisulu sobudlova basekhaya, ungabekwa phezulu ohlwini.
  • [ Ikhasi lidinga i-acter : Amanye ama-PH asebenzisa “amakhopho” emikhaya ekhokhela amaphesenti angaphezu kwangu-50 emali eholo, ukuhlala ezindlini eziphansi, noma ukufuduka ngokungenanjongo.
  • Cela ukususwa udlulele endaweni ehlukile: ukuqinisekiswa kwezindawo kukuvumela ukuba usebenzise isikhombi sakho kunoma iyiphi indawo lapho iPHA iqondisa khona uhlelo, uma uhamba usondela emsebenzini noma emkhayeni. Ezinye izinhlangano ezincane zinezinhlu ezimfushane zokulinda.

Izinhlelo Eziyinkimbinkimbi Zokusetshenziswa Nezithiyo Zolimi

Izindlela zohlelo lokusebenza zingadida, ikakhulukazi kulezo ezikhuluma isiNgisi. Izikhulu eziningi zezindlu zinikeza izinkonzo zokuhumusha uma zicela noma zinikezelwe izisebenzi zokusiza abantu abakhubazekile. Ungangabazi ukucela usizo. I-Fair Howation Act idinga izinhlangano ukuze zenze indawo yokuhlala elinganiselwe, kuhlanganise nokunikeza izicelo kumafomethi ahlukile noma ukunikeza usizo olusemthethweni.

Ukukhohlisa Nokuvimbela Ukukhwabanisa

Ngeshwa, abakhohlisi bavame ukuhlasela abantu abafuna izindlu ngenkani. Ungakhokhi imali yokufaka isicelo sesiqephu sesi - 8 se-licer noma sezindlu zomphakathi .Le zinhlelo zikhululekile ukucela isicelo. Iziphathimandla zezindawo zokuhlala azisoze zacela ukukhokha ngocingo noma ngokudluliswa ngocingo. Uma ubona isimemezelo noma uthola ucingo oluthi ungalu “phonsa uhlu lokulinda” ngenkokhelo, kuyisikhokhiso.

Izindaba Eziphumelele: Imiphumela Yangempela Yezinhlelo Zendawo

Ukuze ubone ukuthi lokhu kwabathinta kanjani, cabanga ngezimo ezimbili ezivamile lapho izinhlelo zendawo ziye zasiza khona.

UMaria, umama oyedwa onezingane ezimbili ezisebenza njengekhaya elinempilo, wayefuna ukuthenga indlu kodwa engenamali egciniwe yokuyikhokha. Wafunda ngesimiso sokukhokha esikhokhela isimiso sokukhokha ngegunya lezemfundo lendawo. Ngemali ekhokhelwayo engokomthetho yezindlu. Ngemali ekhokhelwayo engu - R2 500 000 exolelwayo, wakwazi ukuthenga indlu elinganiselwe yegumbi lokulala. Imali yakhe yanyanga zonke (kuhlanganise intela nomshuwalense) yayingaphansi kokukhokha intela eholweni. Uhlelo lwafuna futhi ukuba aqede izifundo zemfundo zasekhaya, ezamnika amakhono okunakekela ikhaya lakhe ngokwezimali. Eminyakeni emihlanu kamuva, wakwazi ukuthenga isilinganiso esiphansi futhi ukulondoloza inzuzo yekhaya lakhe, ngesikhathi sokukhula kwezingane zakhe.

Umkhaya weRodriguez ne-Local Voucher: Umkhaya wakwaRodriguez wabantu abahlanu ababhekene nokuxoshwa ngemva kokuqashwa wakhuphuka kusuka kuR1,800 kuya kuR3,00 ngenyanga. Bafaka isicelo sokhetho lwe Home Commetion Voucher kodwa batshelwa ukuthi balindile. Nokho, ngokungakhokheli kwabo inzuzo yendawo, bafunda ngohlelo oluphuthumayo lokuqasha oluxhaswe yiCDBG ngokwenaniswe yindawo yesikhashana. Emasontweni amathathu, bathola i-compareter eyamboza ukwanda kwezinyanga eziyisithupha, ibanika isikhathi sokuthola umsebenzi ozinzile futhi bashintsha indawo yokuhlala engathekayo. Uhlelo oluhlangene nomqeqeshisi wezimali owabasiza ukuba bahlele imali futhi bahlele imali eqashiswe.

Lezizindaba zigcizelela ukuthi ukuphikelela, ulwazi, nokuxhumana okufanelekile kwendawo kungaveza imiphumela yangempela.

Imibuzo Ebuzwa Kaningi

Q: Kuthatha isikhathi esingakanani ukuthola isiqephu sesine se-projekthi egunyeni lami lezindlu lendawo?
A: Kuyahlukahluka kakhulu. Ezinye izindawo zasemadolobheni zilindele izinhlu ezinde iminyaka. Nokho, eziningi ze-PH njengamanje zisebenzisa “ukukhetha kwe-random” ukuze zilawule isidingo. Kubalulekile ukusebenzisa ngokushesha lapho uhlu lokulinda luvulwa. Futhi, hlola uma i-PAH inikeza“ Ukukhomba umsebenzi, ngezinye izikhathi okunezinhlu ezimfushane ezilindele izigaba ezithile.

Q: Ngingasebenzisa isikhombi sendlu uma ngiqasha indlu?[FLT:] A: Yebo, uma umninindlu evuma ukuhlanganyela esimisweni futhi iyunithi idlulisa izinga lezindlu (HQS). Uma uhlala kakade engxenyeni yegumbi, ungacela umnikazi wakho ukuba afake isicelo sokuba abe umniki-zindlu wohlelo.

Q: Kuthiwani uma nginemvume yokuxoshwa noma irekhodi lobugebengu esikhathini esidlule?
A: Uhlelo ngalunye lunemithetho yalo. Izinhlelo eziningi zendawo zinezimiso ezicabangela isimo nobukhulu bomthetho nesikhathi esidlulile. Ezinye zihlela “amaphutha esikhathi esibili,” ikakhulukazi emacaleni amancane. Kufanelekile ukusebenzisa nokwethembeka. Izakhiwo zizohlola isizinda sakho njengengxenye yenqubo yobunkomba kodwa zingaba nokuhlakanipha ekusebenziseni izindinganiso zazo.

Q: Zikhona yini izinhlelo zendawo zabantu abangezona izakhamuzi zase-U.S.?
A: Eminye imifula exhasa izimali idinga izakhamuzi, kodwa eminye ayifuni. Imindeni exutshiwe (lapho amanye amalungu eyizakhamuzi futhi amanye engekho) ingasafanelekela ukuthola usizo oluqinisiwe. Indlela engcono ukuxhumana ne-inhlangano ngokuqondile nokubuza ngemithetho eqinile ye-okin.

Isiphetho: Thatha Isinyathelo Ulonde Ikhaya Lakho

Izinhlelo zikahulumeni wendawo azilona nje iqoqo lokuphepha, kodwa ziyithuluzi elisebenzayo lokufinyelela indawo yokuhlala emile nenyukayo. Isihluthulelo siwukusondela kuzo ngesimiso sengqondo esisebenzayo: ukucwaninga ngokucophelela, sebenzisa izincwadi zakho kusenesikhathi futhi uhlale uphikelela ezinhlabeni zokulinda kanye nasezinkingeni zokuzimela.

Inkinga yezindlu ezibizayo ngeke ixazululwe ngobusuku obubodwa, kodwa njengamanje, edolobheni lakho noma esifundeni sakho, kunezinhlelo ezinegama lakho kuzo ("uma wazi ukuthi ungalibhekaphi futhi ungalisebenzisa kanjani."Qala namuhla ngokubona igunya lezindawo zokwakha lendawo ohlala kuyo, ngokusayina izixwayiso, nokulungisa isicelo sakho. Izindlu ezithengwayo azilona iphupho nje; ngemithombo yendawo elungile, zingaba yiqiniso kuwe.