Lokho Isikole Esiphakeme Esingakufundisanga: Isiqondiso Esiphelele Esiwusizo Sentela, Uhlelo Lohlelo Lokusetshenziswa Kwemali, Nezikhonkwane Zezwe Ezingokoqobo

Wachitha iminyaka eyishumi nambili esikoleni ufunda ukuhlukanisa imitochondria, ukuxazulula izinombolo ezine, nokuhlaziya uShakespeare − kodwa waphothula, wathola isheke langempela lemali, futhi waphaphanyiswa izikwele. Wathola izicelo zezemfundo futhi awazi ukuthi ungayishaya indiva yini. Wezwa izazi zezombangazwe "izigelekeqe zeshele" kanye "izibopho zemali zomholo" futhi waqaphela ukuthi awuqondi ukuthi zisho ukuthini. Wamukela igebe lemfundo elingokoqobo [[FLT:] futhi awuyazi ukuthi ungazi yini igebe phakathi kwalokho izikole ezifundisayo nalokho okufunwa yikho kuphila kwabantu abadala.

Lokhu akulona iphutha lakho. Imfundo yaseMelika ihlela ukulungiselela amakholiji ngaphezu kokulungiselela ukuphila, ulwazi olungenangqondo ngaphezu kwamakhono asebenzayo. Nakuba amanye amazwe egunyaza ukufunda nokubhala ngokwezimali nemfundo yomphakathi, abafundi abaningi baseU.S. abathweswa iziqu abangakwazi ukubhala izintela, ukwakha uhlelo lwemali, noma ukuqonda ukuthi uhulumeni wendawo uthinta kanjani intela yabo. Lesiqondiso esibanzi sigcwalisa lezo zikhala, sinikeza ulwazi lwezwe olungokoqobo ngentela, izimali, nezindawo zomphakathi [[FLT] ukuthi isikole esiphakeme kufanele sifundise ngazo. kodwa asizange sifundise.

Ingxenye 1: Intela - Isimiso Esingekho Esichazelwe

Ukuqonda Imali Oyitholayo: Isizathu sokuba Kuncane Kunokulindelayo

Leyomali yokuqala ekhokhelwayo iyaphi? Nakhu okwenzekayo ngempela:

[ Ukukhokha intela kugodlela Umqashi wakho ulinganisela intela yakho yaminyaka yonke futhi ayiyikhiphi ngaphandle. Lokhu akubangelwanga (ukungasekelwe ku:

• Ifomu i - W-4 ugcwalise (mhlawumbe ungaliqondi)
• Isimo sakho sokufaka isheya (ongashadile, oshadile, oyinhloko yomkhaya)
• Inani lamalungiselelo ashiwoyo
• Izilinganiso ezivamile noma ezinqunyiwe

Ukuqonda okungundoqo: Ungalungisa W-4 yakho noma nini. Ukugodla kakhulu? Unika uhulumeni imali engenanzalo. Kuncane kakhulu? Uzokweleta imali ngoApril.

FICA: Izithunzi ezingashintsheki

• Ukulondeka kobusocrial[: 6.2% weholo lakho (kungafinyelela kuR160 200 ku2023)
• iMedicare: 1.45% yayo yonke inzuzo (ayinayo i-cap)
• Addalition Medicare: 0.9% ngeholo elingaphezu kuka $200,000 [R110 000]

Umqashi wakho uhambisana naleminikelo, ngokuphumelelayo uphinda-phinde imali ezinzuzoni zakho zesikhathi esizayo. Ukuzisebenzela kwakho? Ukhokha zombili izingxenye ("intela yokuzisebenzela").

[[Umthetho:0] Isimo nentela yendawo[ i-VT ngokwendawo:

• Izifunda-zifunda-zine azinayo intela yeholo: i-Alaska, iFlorida, i-Nevada, i-New Hampshire, i-South Dakota, i-Tennessee, iTexas, i-Washington, i-Wyoming
• Amanye amadolobha anenezela eyawo [: Izakhamuzi zaseDolobheni laseNew York zikhokha intela kahulumeni, kazwelonke, kanye neholo ledolobha
• Ukuphila kwesinye isifunda, ukusebenza kwesinye? Ungakweleta kokubili

Indlela Izigwegwe Zentela Ezisebenza Ngayo

Ukungaqondi okukhulu kakhulu kwentela: [[FLT: 0]marnal vs. Izinga lentela eliphumelelayo [.

Inganekwane: "Uma ngithola idollar elilodwa, ngigxumela ebhukwini eliphezulu ngithathele ekhaya imali encane"

Iqiniso: amabhukwana entela asemaceleni(imali) kuphela phakathi kwebhaxa ngalinye elikhokhwa ngalelonani.

Isibonelo se- 2024 ye-hele elilodwa:

• Eyokuqala R1 000: 10%
• U - R1 100 kuya ku - R44 725: 12%
• U - R44 726 kuya ku - R250: 22%
• Futhi njalo...

Uma uhola ama - dollar angu - 50 000:

• U - R1 000 wokuqala ukhokhelwa u - 10% = R1 100
• Ngokulandelayo u - R3 500 ukhokhelwa i - 12% = R4,047
• U - R2 500 odlule wakhokhwa ngo - 22% = R1 600
• Intela ephelele = U - R6 307 (izinga elisebenzayo: 12,6%, hhayi 22%)

Isizathu sokuba lezindaba zikhandleke: Ungazinqabeli ukukhuphula noma ukugxuma ngezikhathi ezithe xaxa ibhuleki elesabayo. Ugcina njalo imali etholakele ngayinye.

Intela Ekhasayo: Ukubuyisana Kwaminyaka Yonke

[[U-FLT:0] Yini" ngempela esho ukuthi[ Awukhokhi izintela uma ufaka ifayela(-"ulungisa lokho osukukhokhele kakade ngokugodla okukweletayo.

[[UMTL:0] Inqubo eyisisekelo[[[QONDO:1]:

1. [[IZIKELO:0] Ibhukwana elisho ukuthi (W-2s, 1099, ama-risidi)
2. Phezu kwenani (Imali, isithakazelo, umsebenzi wegig)
3. [[I-FLT:0] Ithenanda ye- (isilinganiso noma intwana)
4. sebenzisa izikweletu (nciphisa intela yedollar-for-dollar)
5. [[UMTL:0] Qhathanisa nokugodla (i-reftermine noma inkokhelo)

Engalawuleki vs. Izihloko ezifakelwe

• Isikali (2024): $13,850 km, R27,700 ezishadile ngokuhlangene
• efakiwe: isithakazelo se-Mortgage, intela yezwe/eyasekhaya (efakwe kuR10 000), iminikelo yokusiza, izindleko zezokwelapha ezingaphezu kuka-7,5% weholo

Abantu abaningi (cishe abangu - 90%) bathatha izindleko ezivamile kusukela ngo - 2017 lapho kushintshwa intela, cishe baphindeka kabili.

[[I-FLT:0] Imali enconywayo vs. Izihlokwana

• [[AFLT:0] Izihlomelo zinciphisa iholo elikhokhwayo (kunciphisa izinga lakho lengxenye yesandla)
• [[AKL:0] Izikweleti zinciphisa intela ekweletayo ye-dollar-for-dollar (iyigugu kakhulu)

Abasebasha abavame ukunconywa:

• [[ITL:0] Ikhokhelwe intela [ (kunyukela ku $7,430 kubantu abafanele)
• [[INDAWO] Ithuba lokuthola Ithuba laseMelika (kungamaRandi angu-2 500 ezindleko zasekolishi)
• Isikhathi sokufunda [ (ukwenyukela ku $2,000 kuqhubekelwa phambili kwemfundo)
• [[Umthetho:0] Inkokhelo yokulondoloza [ (ngango $000 [R1000] yeminikelo yomhlalaphansi)

Intela Ungeke Uyikhokhe

[[UMTHWEBO: 0] Intela: Intengo yansuku zonke efihliwe[[UMTL:1]

• Izinombolo ezisukela ku 0% (iDelaware, i-Oregon, iMontana, iNew Hampshire, e - Alaska) kuya kwezingaphezu kwamaphesenti ayishumi kwezinye izindawo
• Ngokuvamile angazifaki izidingo (amakhambi, imithi) kodwa ayahlukahluka ngokwezwe
• Ukuthenga nge - Internet manje sekukhokhelwe intela ngemva kuka - 2018 isinqumo seNkantolo Ephakeme

[[ITROM:0] Intela ethambileyo: Ngisho nabangeni bakhokhe[[[Umthetho:1]

• Abaninikhaya bakhokhela ngokuqondile
• Abaqasha intela babekhokhela ngokuqondile (benzelwa ukuqasha)
• Izimali zendawo: izikole, amaphoyisa, umlilo, imigwaqo
• Ungakhishwa uma ufaka okuthile (ngeketanga le-SALT)

[[[UMTL:0] Ikhapital Izuza Intela: Lapho ukunyuswa kwemali kukhula[

• ''''''''''''''''' (ibizwa ngokuthi unyaka we <1): Intela ithengwa njengeholo elivamile
• Indawo-yokuqala (iminyaka ekhona >1): Izinga eliphansi (0%, 15%, noma 20% kusekelwe emholweni)
• Ifuna ukuqoqa amasheya, i - crypto, indawo nendawo, izinto ezitholakalayo

[[Umthetho:0] Intela efihlekile Ususuyikhokhela [

• Intela[: Federal 18.46] kanye nentela kahulumeni ngelitha
• [[INTLOBO] Ukwehlisa imilomo [: Izindleko zenkonzo yembulunga yonke, 911 i-surnuts
• Alcohol/tobacco: "Intela yesibhinbhisi" ngokuvamile idlula izindleko zomkhiqizo
• [[UMTH:0] Imoto yentengiselwano [[[FL:1]: Izintela zokuvakasha zifinyelela ku-20%+

Ingxenye 2: - Ikhono Lokuphila Elingekho Owalifundisa

Iqiniso: Lapho Imali Ihamba Khona Ngempela

[[Umthetho:0] Ukuhlelwa kwe American Baccomting Ukubhuntsha koHlelo-mali[[QL:1]:

• Indlu: 33% (indawo ezungezile/i-mortgage, izinto ezisetshenziswayo, umshuwalense)
• Izinto zokuhamba: 16% (imali yemoto, umshuwalense, igesi, nokunakekelwa kwegesi)
• Ukudla: 13% (izinsimbi nokudla ngaphandle)
• Umshuwalense: 12% (umshwabade, ukuphila, okunye)
• Ukunakekela impilo: 8% (ngaphandle kwezindleko zempophoma)
• Konke okunye: 18% (imali yokuthenga, izingubo zokugqoka, imali egciniwe)

Inkinga: Intsha eningi ayazi ukuthi imali yayo iyaphi ize iphele.

Ukwakha Imali Yakho Yokuqala Yangempela

Isitebhisi 1: landela konke kwenyanga eyodwa [ Ungashintshi ukuziphatha (futhi ugcine:

• Njalo lapho kuhanjwa ikhofi, isikhokhelo, u - Uber
• Sebenzisa ama - app (iMint, i - YNAB) noma iprogramet elula
• Hlanganisa nokusebenzisa imali (okunzima kakhulu ukulandelela)

[[Indlela:0] Isiteshi 2: Category [

• Izidingo ezihlanganisiwe: Inte, umshuwalense, izinga elilinganiselwe lokuboleka imali
• Izidingo eziqiniswayo: izikhili, igesi, izinto ezisemzimbeni
• [[Umthetho:0] Ifuna[[[QLT:1]: izibhalisa, amalungu
• Intuleka engenzeka[: Ukudla ngaphandle, ukuzijabulisa
• Iziphakamiso: isikhwama sezimali esiphuthumayo, umhlalaphansi, imigomo
• [[Umthetho:0] Ubhatalo lwe-DEbt: ngaphezulu kobuncane obuncane

Isitebhisi 3: Sebenzisa umthetho 50/30/20 (Iqinisekisiwe ngokweqiniso) Umhumusho wendabuko:

• 50% izidingo
• 30% ifuna
• 20% imali elondoloziwe nezikweletu

Ukuba ngokoqobo kwentsha esencane:

• 60-70% idinga (intela ephakeme, imali ebolekwa abafundi)
• 15-20% ifuna
• 10-20% imali elondoloziwe kanye nezikweletu ezengeziwe

Qala lapho ukhona, hhayi lapho kufanele kube khona.

Imali Ephuthumayo: Isisekelo Sakho Sezimali

Isizathu esenza ukuba u-R1000 ingasanele [ iseluleko sendabuko sithi izonga u-R1,000 kuqala. Kodwa lokho ngeke kuhlanganise:

• Ukuqasha inyanga eyodwa emadolobheni amaningi
• Ukulungiswa kwemoto okukhulu
• Ukuvakasha ekamelweni eliphuthumayo nomshuwalense
• Izindleko zomsebenzi ezingalindelekile

Isihlokwana semali yesimo esiphuthumayo [:

• Squarer: inyanga eyodwa yezindleko
• isiseko: izinyanga ezintathu zezindleko
• SEA : Izinyanga eziyisithupha zezindleko
• Izisebenzi ezikhululekile [: isilinganiso sezinyanga eziyisishiyagalolunye

[[Umthetho:0] Ukwakha Ngaphandle Kokuzwa Uphuzo[[Umthetho 1]:

• Isigebengu: U-R1,50/inkokhelo = U-R2,00/nyaka
• Umthetho owehlayo: Amasheya, amabhonasi agcina imali
• Zithengise izinto: Lesi siginci awulokothi usidlale, ama - electronic amadala
• Ingxenye efuna ngokukhethekile isikhwama sezimali esiphuthumayo

Ukuqonda Ukuthenga: Isimiso Esilawula Ukukhetha Kwakho

[[I]0] Izitayela Ezibhalwe ngombhalo[[QUL:1]

• Umlando wokukhokhela (35%): Ungaphuthi imali encishisiwe
• Ukwenza kube nokuzinza (30%): Gcina izilinganiso zamakhadi okuthenga ngesikweleti zingaphansi kwe 30% yemingcele
• [[UMTL:0] Umthetho womlando (15%): Ungawavali amakhadi amadala
• Ixredit Mix (10%): izinhlobo zosizo ezihlukene (amakhadi, imali ebolekwayo)
• [[Umthetho:0] Indumiso entsha (10%): Ungafaki kukho konke ngesikhathi esisodwa

[[Umthetho:0] I-avhareji ye-APR: 24.37% (njengo-2024)

• Inkokhelo encane ekulinganiseni kwama - dollar angu - 5 000: ~ R150
• Isikhathi sokukhokhela izinto ezincishisiwe: iminyaka engu - 23
• Inzalo ephelele yakhokhelwa: U - R6 923

[[Umthetho:0] Iqhinga lokuthenga ngendumiso [:

• Thola ikhadi lokuqala (elilondekile uma kudingeka)
• Sebenzisa isikweletu esisodwa esiphindaphindwayo (Netflix, Spoith)
• Inkokhelo ephelele yesithuthuthu
• Ungalokothi ulinganisele
• Ngemva kwezinyanga eziyisithupha, isilinganiso sesicelo sanda (isilinganiso sokusetshenziswa)

Umfundayo: Isikweleti Okungekho Umuntu Osichazele

Imali ebolekwayo. Ukungaboni ngasonye okungathiyayo kunikeza imali-mboleko ye-Federal:

• Izinketho zokukhokha imali esele
• Amalungelo Okubekezela Nokuzindela
• Inkonzo Yomphakathi Ilula Ithuba Lokuthethelela
• Amazinga enzalo asesimweni esiqondile

Imali - boleki ebolekiwe:

• Ngokuvamile amazinga ahlukahlukene
• Izivikelo ezimbalwa
• Ukungaguquguquki
• Kungase kudingeke ukuba i - cosignear ikhululwe

[[Umthetho:0] Ukukhokha iziteshi[[Umthetho:1]:

Isixhumi esilinganayo: iminyaka eyishumi, ngaphezulu kakhulu kwesithakazelo sanyanga zonke, ingqikithi yengqikithi

[[Umthetho:0] Izicwangciso zokufika-kamuva[[Umthetho 1]:

• IBR: 10-15% iholo elilawulwayo
• IPIYE: 10% iholo elisetshenziswayo
• REPAYE: 10% Iholo eligengwayo
• I - ICR: Iholo elingu - 20% elikhokhelwayo

[[[UMTL:0] Ugibe lokuthethelela[: Imali ehlawulelwe ingaba iholo elikhokhiswayo (ngaphandle kwe-PSLF)

[[Umthetho:0] Kufanele uphinde ucabange uma:

• Uneholo eliqinile
• Ukutuswa okuhle (700+)
• Awekho amapulani ePSLF
• Ungathola izinga eliphansi ngokuphawulekayo

Ungafaki uma:

• Ungase udinge izinketho zeholo elisesimweni esivulekile
• Ukulwela ukuthethelela
• Jobe okulondeka akuqiniseki

Ingxenye 3: Amabhukwana Angokoqobo Ezwe - Indlela Uhulumeni Okuthinta Ngayo Ngempela

Uhulumeni Wendawo: Lapho Ukuphila Kwakho Kwansuku Zonke Kunqunywa Khona

City/Imibuso kahulumeni ethinta ngokuqondile :

[[Umthetho:0] Ukuhogela kanye nokufushanisa [[Umthetho:1]:

• Imithetho yokuzihlela inquma ukuthi yini engakhiwa lapho
• Izimiso eziqinile (lapho zikhona)
• Ukwakha imithetho nezimfuneko zokuhlola
• Izinqubo zokukhiqiza namalungelo angaphakathi
• Amazinga entela yempahla athinta intela yentela yendlu yakho

[[Umthetho:0] Ukudlulisela [[[Umthetho:1]:

• Izindlela zokuthutha nohlelo
• Imishini yokupaka amapaki namamitha
• Ukunakekelwa komgwaqo nokususwa kweqhwa
• Imigwaqo ye - “bike ” nemigwaqwe
• Ukuhamba ngejubane lezimoto

Izinkonzo zansuku zonke[:

• Isivikelo samaphoyisa nesomlilo
• Imfucumfucu nokuqoqwa kwezindawo ezisetshenziswa kabusha
• Izinkonzo zamanzi nezokukhucululwa kwendle
• Amapaki nezinhlelo zokuzilibazisa
• Imitapo yezincwadi nezikhungo zomphakathi

[[UMTH:0] Ibhizinisi nomsebenzi [[[UMQONDO:1]:

• Izimfuneko zamabhizinisi ezivimbelayo
• Iholo elincane (amadolobha amaningi adlula uhulumeni noma isifundazwe)
• Imvume yokuhamba eholidini lokugula
• Ukuhlola ukudla okuphephile
• Izikhathi zokuvala iBar nesitolo sokudla

Ukuqonda Amandla Akho Ezombangazwe Ngakunye

[[[UMTH:0] Izinga le-Federal: Lidifiwe kodwa libalulekile

• Ummeleli wendlu yakho: Umelela abantu abangu - ~760 000
• Abahlaziyi bakho: Memela sonke isifundazwe
• UMongameli: Imelela izigidi ezingu - 330
• [ Ithonya lakho[: Lincane ngokwengxenye, libalulekile njengeqembu

Izinga lesifunda: Ifinyeleleka kakhulu

• Ummeleli woMbuso: Imeleli ~500,000-100,000
• Isisamende sombuso: Imeleli ~150 000-30 000
• Umbusi: umelela sonke isifundazwe
• [ Ithonya lakho[: ithonya eliqonde kakhulu, ngokuvamile liyazi abameleli ngabanye

[[Umthetho:0] Izinga lendawo: Lapho Unamandla angempela[

• Umkhandlu wedolobha: Umelela 5 000 000
• Ibhodi lesikole: Ngokuvamile izinkulungwane nje kuphela
• Mayor: Masengathi ungasabela ngokomuntu siqu kuma-imeyili
• Ithonya lakho[: lingashintsha okhetho, lisho ngokuqondile izikhulu

Indlela Imithetho Eyenziwa Ngayo Ngempela (Ayiyona I - Schoolhouse Rock Version)

[[Umthetho:0] Iqiniso elingokoqobo[[Umthetho:1]:

• Izikweletu eziningi zifa ekomitini ngaphandle kokuvota
• Abashisekeli bezimboni ngokuvamile babhala umthetho
• "Izinsika" faka ama-odocument angaxhumani
• I - filibuster isho amavoti angu - 60 adingekayo
• Isiyalo esiphethe sidlula izingqungquthela

Isimo sesimo seqiniso:

• Izishaya - mthetho zesikhathi esisodwa ziphuthuma ziqede izikweleti
• Umthetho wezibonelo okotshwa phakathi kwezifundazwe
• Izikweletu zokusetshenziswa kwemali zishintsha isimiso sokufihla
• Izinyathelo zomdlalo zidlulisa isishaya-mthetho
• I-veto kambusi ngokuvamile eyokugcina

[[Umthetho:0] Isimo esikhona endaweni ezungezile[[Umthetho:1]:

• Izinqumo ezinqunywa ngoMsombuluko ebusuku emihlanganweni bambalwa ababa khona
• Ithonya elithuthukisiwe ekwakheni izindawo
• Impi ye-YIMBY v. YIMBY
• Ukungezwani kobuntu kubangela isimiso
• Ukunakwa okungavamile kwemithombo yezindaba

Amalungelo Akho Ezimweni Ezingokoqobo

[[UMTL:0] Ukuhlangana kobuProthestani:

• Kumelwe unikeze i - ID uma uvalelwe ngokomthetho (I - terry)
• Ungalahla uphequlule ngaphandle kogunyazo (ngaphandle)
• Ungaqopha amaphoyisa obala
• Kufanele ucele ilungelo lokuthula
• Ngeke umelane ngisho nokuboshwa okungekho emthethweni (enkantolo)

Umsebenzi Wamalungelo Ezindawo Kaningi Ayaziwa[:

• Ukuxoxa ngeholo kuvikelwe ngokomthetho
• Ukuhlelwa kwama "contractor" okuningi akuvumelekile ngokomthetho
• Isikhathi esiningi sisebenza ezisebenzini eziningi ezithola imali engaphansi kuka - R250 568
• Ukuphindisela izikhalo akuvunyelwe ngokomthetho
• "Ngena-ke ngithanda" akusho ukuthi akukho mpendulo

[[[IQUL:0] Amalungelo angaguquki (Iziqalo ngombuso):

• Ngokuvamile i-wandload idinga isaziso samahora angu-24-48 ukuze ingene
• Izindawo ezigciniwe zokuphepha zinemithetho eqinile
• "Indlela yokuhlala" idinga izimo ezikwazi ukutholakala
• Ukukhishwa kudinga inqubo engokomthetho (akukho "zisize")
• Ukucwaswa kwezindlu akuvunyelwe ngokomthetho

Inkonzo Yakho Yangempela: Isabelo Sakho Sangempela

[[Umthetho:0] Okwenzeka ngempela[[[Umthetho:1]]:

1. Izikhombi zifika (ungashalathisi)
2. Umbiko enkantolo (letha incwadi/laptop)
3. Linda ekamelweni labasizi bejaji (isikhathi esiningi esichithwa lapha)
4. Kungenzeka kubizwa i-voir jad (ukukhetha i-jam)
5. Uma ukhethiwe, yiba sekuqulweni kwecala (ngokujwayelekile izinsuku 1-3)
6. Ukuzinqumela bese unquma

[[Umthetho:0] Isizathu sokuba abantu bazame ukuyigwema [[[Umthetho:1] (Isizathu sokuba bangadingeki):

• Imali ekhokhelwayo iyingozi kakhulu (R550/mini)
• Abaqashi kumelwe bavumele isikhathi kodwa bangaholi
• Inqubo ephazamisayo
• Kungaba nzima ngokomzwelo

Kodwa ingenye yezikhathi ezimbalwa izakhamuzi zisebenzisa amandla kahulumeni ngokuqondile.

Ukukhuluma: Ngaphandle Kokukhethwa Komongameli

Ukubhalisa iqiniso:

• Izinhlu zabafileyo ziyahlukahluka (kusukela ngosuku olufanayo kuya ezinsukwini ezingu - 30 ngaphambi kwalokho)
• Singase sisuswe uma sipholile
• Abafundi basekolishi bangabhalisa esikoleni noma ekhaya
• Ezinye izifundazwe zine - Internet, ezinye zidinga iphepha

[[Umthetho:0] Yini ngempela ku Ballot yakho:

• [[FULT:0] I-Federal: uMongameli, i-Senator, ummeleli
• Isimo[: uMbusi, isishaya-mthetho, amajaji
• endaweni ezungezile: IMayor, umkhandlu, ibhodi yesikole, i-herpriff
• Izimali ezifihlwayo: amabon, intela, izinguquko zomthetho-mthetho
• Izigodi ezihlukene: amanzi, umlilo, amabhodi ezibhedlela

[[Umthetho:0] Isizathu sokuba ukukhetha kwendawo kube yindaba kakhulu[[[Ukhetho:1]:

• Ibhodi lesikole inquma uhlelo lwezifundo, uhlelo lokusetshenziswa kwemali
• Umkhandlu wasedolobheni uhlela intela yendawo, uqoqe intela
• Ummeli wesigodi ukhetha lokho okumelwe kuqulwe icala
• I - Sheripta ibeka izinto eziza kuqala ekuqinisweni kwamaphoyisa
• Abahluleli basingatha izindaba eziningi ezingokomthetho

Nokho, ukuvota ngokuvamile kungaphansi kwe 20% kukhetho lwendawo kuphela.

Ingxenye 4: Indlela Lezi zimiso Ezixhumana Ngayo

Umjikelezo Wentela Yentela

[[Umthetho:0] Imali yakho yentela[[[Umthetho:1]:

• [[[I-FLT:0] Intela[: Izempi, Ukulondeka kwezenhlalo, iMedicare, inzalo yezikweletu
• Isimo[: Imfundo, iMedicaid, imigwaqo emikhulu, amajele
• endaweni ezungezile: izikole, amaphoyisa, umlilo, imigwaqo, amapaki

[[IZInqumo:0] Izinqumo zomjikelezo zinquma:

• Izinga lenkonzo (amakilasi, izikhathi zokusabela)
• Izakhiwo (izinga eliphakeme, ukutholakala kwe - Internet)
• Intuthuko engokomnotho (izisusa zamabhizinisi, izindlu)
• Ukufaneleka kokuphila (amapartk, imitapo yezincwadi, izinhlelo)

[[[UMTL:0] Ilungu lakho lihlanganyela amathonya [[[QL:1]:

• Ubani owenza izinqumo zokusetshenziswa kwemali
• Ikuphi okuza kuqala okusekelwayo
• Indlela esetshenziswa ngayo ngokuphumelelayo
• Ukuthi inkohlakalo iyadalulwa yini

Izibonelo Ezingokoqobo Zokungenela Kwesimiso

[[UMTH:0] Isibonelo 1: Inhlawulo ephakeme[[Umthetho:1]

• I-ICR: imithetho yokuzinga ivimbela ukutholakala kwezindlu
• Onqumayo: ikhomishane yedolobha kanye nokuhlela
• umphumela weTax: Intela yempahla eyakhelwe ukuqasha
• ctedt: Imali encane kwezinye izidingo
• Ikhambi le-Civic: Yiba khona emihlanganweni ehlanganisa indawo, vote yabazohlolwa

[[UMTH:0] Isibonelo 2: Isikweleti somfundi[[UMTL:1]

• Indima yecala : imisa imithetho yokuboleka kanye nemithetho yokuthethelela
• Indima yesifunda[:izimali amayunivesithi omphakathi (noma awakho)
• ithonya leTax: intethelelo yezentengiselwano, intela yokuthethelela
• Imiphumela efiphele: Ulibaziseko lwasekhaya, kunciphisa ukusetshenziswa kwemali
• Ikhambi le-copul: Ukusekela ukuxhasa ngemfundo, xhumana nabameleli ngosizo

[[UMTH:0] Isampuli 3: Ukunakekela impilo izindleko[

• [[I-FLT:0] Fateral: Medicare, Medicaid, ACA
• Isimo[: ukhuphuko lwe-medicaid, imithetho yomshuwalense
• endaweni ezungezile: izibhedlela zomphakathi, iminyango yezempilo
• ithonya leTax: umqashi umshuwalense wangaphambi kwentela, izincopho zezokwelapha
• Isixazululo se-Civic: Qonda izikhundla zokunakekela impilo yabazohlolwa

Ingxenye 5: Izinyathelo Eziwusizo

Izenzo Ezisheshayo (Lelisonto)

[[Umthetho:0] kwezezimali[[QUL:1]:

1. Faka i-oyili esimisweni sakho sokukhokhela futhi uqonde isheya lakho
2. Hlola umbiko wakho wesikweleti (ngaphandle kokusebenzisa i-credit Report.com)
3. Hlela zonke izikhokhelo kanye nokubhacelelwa okuphindiwe
4. Vula i-akhawunti yemali eshiywe ngaphandle kwe-oyile yemali yesikhwama esiphuthumayo
5. Layisha u-IRS Iklame uW-4 futhi uqonde imvume

[[UMTH:0][[Umthetho:1]

1. Thola ukuthi obani abameleli bakho (yonke imikhakha)
2. Hlola isimo sokubhalisa kovoti bakho
3. Buka usuku lokukhetha lwendawo olulandelayo
4. Thola isimiso somhlangano wedolobha lakho
5. Funda amalungelo akho okuqasha

Imigomo Yebanga Elifushane (Izinyanga Ezilandelayo)

[[Umthetho:0] kwezezimali[[QUL:1]:

• Yakha isikhwama senyanga eyodwa esiphuthumayo
• Yenza futhi ulandele uhlelo lokusebenzisa imali lwezinyanga ezintathu
• Misani izindleko ezizishintshayo ukuze nigweme izindleko zesikhathi sephuzile
• Ukucwaninga nokuthenga zonke izikweletu zentela ezifanelekayo
• Qonda ngokugcwele isisebenzi sakho

[[UMTH:0][[Umthetho:1]

• Yiba khona emhlanganweni weningi owodwa
• Inxusa elixhumanayo ngomagazini owodwa
• Bhalisa ukuvota uma ungabhalisile
• Abazokhethwa ngokulandelayo abazocwaningwa
• Hlanganisa inhlangano eyodwa yomphakathi

Intuthuko yesikhathi eside (Lonyaka)

[[Umthetho:0] kwezezimali[[QUL:1]:

• Isikhwama sezimali esiphuthumayo sezindleko zezinyanga ezintathu nayisithupha
• Yiba nengxenye emhlalaphansi ( okungenani emqashini)
• Thuthukisa amamaki esikweletu ngo-50+ amaphuzu
• Izintela zangempela ngokwakho noma ukuqonda lokho umlungiseleli akwenzayo
• Yenza ipulani yezimali yeminyaka emihlanu

[[UMTH:0][[Umthetho:1]

• Qaphelisisa kuzo zonke izinqumo
• Zibophelele ukuze ufeze noma umkhankaso
• Ukuqonda inqubo yokusetshenziswa kwemali yendawo
• Yakha ubuhlobo nezikhulu zendawo
• Yiba umthonse wabanye

Igebe Lamakhono Nesizathu Sokuba Likhona

Isizathu Sokuba Izikole Zingakufundisi Lokhu

Izizathu zohlelo[:

• Ukuhlola okuvamile akulinganisi amakhono asebenzayo
• Othisha abaqeqeshelwanga ngokwezimali yomuntu siqu
• Isimiso esamiswa yilabo abasuswa esimweni samanje esingokoqobo
• Ikolishi elibekwe kuqala ngaphambi kokuba liphile
• Ukumelana nemfundo yomphakathi kwezombangazwe

[[UMTL:0] Izizathu ezicubungulayo[[Umthetho:1]:

• Abazali abanyukile bayofundisa (abaningi abakwazi)
• Izingxoxo zemali zibhekwa njengeziyihlazo
• Amaqembu esonto ayebhekwa njengaphikisanayo kwezombangazwe
• Ulwazi olufiphele lwaziswa ngaphezu kokusebenza
• Imfundo eyisisekelo

Izindleko Zangempela Zokwazi

[[UMTH:% 0] Izindleko zemali[[[QUL:1]:

• Isilinganiso semikhaya sikhokha u - R1,30/206 ngezindleko ezingadingekile
• Izikweletu zamakhadi okuthenga ngesikweleti zibiza izinkulungwane zabantu ngenzalo
• Amaphutha entela abangela izijeziso
• Izikweletu ezingekho nezikweletu
• Umshuwalense oqinile kanye nokutshala imali

[[UMTH:0] Intengo ye-covic:

• Isimilo osiphikisayo siyavezwa
• Izisekelo ozidingayo ziyasikwa
• Amalungelo owake wawasebenzisa
• Izinkinga obhekana nazo azinawo amakheli
• Ukubusa ngentando yeningi kuyawohloka ngaphandle kokuhlanganyela

Isiphetho: Ukunikwa Amandla Ngemfundo

Igebe phakathi kwalokho isikole esakufundisayo nalokho ukuphila okukufunayo akukona ukuhluleka kwakho siqu, kodwa ukulinda izikole ukuba zithole izindlela zokuhlala zingavikelekile ngokwezimali, zikhishwe embusweni wezwe, futhi zikhungathekiswe yizimiso ongaziqondi.

Ukuqonda izintela [ kuziguqula kusukela ezithenelweni eziyimfihlakalo zaba iminikelo yomphakathi eqondakalayo (uma icasula). Ungazibamba kahle, uboleke izikweletu ezifanele, futhi wenze izinqumo eziqondiswe kahle ngemali nemali oyitholayo.

[ Ukuhlela uhlelo lokuhlela imali kukushintsha usuka ekukhathazekeni kwemali uye ekulawuleni ngokwezimali. Uyazi ukuthi imali iyaphi, kungani inyamalala, nokuthi ingayiqondisa kanjani emigomweni yakho kunokuba inciphe.

Ithonya lomphakathi [ likuguqula usuka esibukelini sezombangazwe uye kuhlanganyela. Uyaqonda ukuthi yiliphi izinga likahulumeni elilawula lokho, ukuthi ungakuthonya kanjani izinqumo nokuthi kungani uhlanganyela izinto eziningi kunalokho okwaziyo.

La makhono awenzika nje kuphela, anamandla. Amandla okugcina imali engeziwe. Amandla okwakha ukulondeka ngokwezimali. Amandla okulawula umphakathi wakho. Amandla angena esikhundleni noma engcebweni kodwa olwazini nasethembisweni.

Isimiso semfundo sehlulekile ukunikeza lolulwazi olusebenzayo, kodwa lokho kwehluleka akukuphuthi ukungazi. Ulwazi lukhona. Amathuluzi akhona. Umbuzo kuphela obuzayo ukuthi uzothatha umthwalo wemfanelo wokufunda ukuthi isikole asifundisanga.

Imfundo yakho yangempela iqala manje. Ikilasi liseqenjini noma nini lapho ukhetha ukuya. Izifundo ziwukuphila kwakho okungokoqobo. Ukuhlolwa kuza nsuku zonke ngezindlela zokunquma ngemali, ngokuvota, nangokuthembisana umphakathi. Ngokungafani nesikole, awunakwehluleka, ungafunda, uthuthuke, futhi uzuze amandla engeziwe ekuphileni kwakho.

Wamukelekile ezweni langempela. Nansi incwadi abakhohlwa ukuyifaka kanye nediploma yakho.

Imithombo Yengcebo Eyengeziwe

Imfundo Yezimali

• [[UMTL:0] IFAYILE Ekhululekile[[[QURT:1] - Iface yentela yamahlebo yaseMelika amaningi
• [[UMTL:0] Imali Yami.gov - Imali yokufundisa eFederal
• I-Consiumer Protection Bureau amathuluzi kanye nabaqondisi bezinqumo zemali

Ukuhlanganyela Kwesivumelwano

• USA.gov - Isango kuzo zonke izinkonzo zikahulumeni nokwaziswa
• Ballotteia - Ukhetho oluhambisana nolwazi olufuna ukuthathwa
• GovTrack.us - umthetho weNgoma kanye nabameleli abaxhumanayo

Amathuluzi Wokuhlela

• [[UMTL:0]Mint - Ukuhlelwa kohlelo lokusebenzisa nokulandelana kwemali mahhala
• [[UMTL:0] Udinga Uhlelo lokuhlela Imali (YNYB) - Isimiso sokuhlela uhlelo lwemali kodwa esibanzi
• Inhlokonhloko-nhloko yeyodwa - Inkokhelo yamahhala nenetha kufanelwe ukulandelelwa