Ngaba iiBhilile zonyango ziwonakalisa imindeni yaseMelika?
Ukunyuka kweendleko zonyango kwenza izibalo zibonakale zichanekile.
Kodwa kutheni bahluke kakhulu? Yaye yintoni eyimpembelelo yonyango lokuphazamiseka kwezonyango kwizoqoqosho. Eyona nto ibaluleke kakhulu, yintoni enye indlela enokuyiphephelela ukuba ungayi kuba enye yala manani?
IiNkcazo zeBhanki
Esinye isizathu sokuba uqikelelo luhluke gqitha kukuba zenziwa kwiminyaka eyahlukileyo. Leyo minyaka yayilandela ukuKhusela okuKhulu . Ngenxa yoko, iintlawulo zeentlawulo zeentlobo zeentlobo zonke ziphakanyisiwe. Ukuphazamiseka kwabathengi kwavela ngo-822,590 ngo-2007 ukuya kwi-1.5 yezigidi ngo-2010. Ukususela ngoko, baye bawela ku-770,846 ngo-2016.
Esi sizathu esinye sokuba uqikelelo lukaMongameli Obama luphezulu. Ngo-2009, kukho izigidigidi eziyi-1.4 zeebhanki. U-Obama usekelwe ekubaleni kwakhe kwi-2009 ye-Harvard ngokufundwa nguNcedisi wakhe, u-Elizabeth Warren. Kuthetha ukuba i-62.1 pesenti yazo zonke iibhanki ngenxa yeebhilidi zonyango. Abaphandi baphenyulule abo bafakela ukutyhafa phakathi kukaJanuwari no-Ephreli 2007. Ichaza izizathu zonyango njengalezo zibandakanya abo bendwendwe ikhaya ukuba bahlawule iimali zonyango.
Kwakhona kwaquka abo babenemithetho engaphezulu kweedola ezili-1 okanye balahleka ubuncinane beveki ezimbini zomsebenzi ngenxa yokugula. Iingcali ezinzulu zagxeka abaphandi ngokuba baninzi kubandakanya ezi zizathu ezibini zokugqibela.
Nangona kunjalo, izibalo zika-Obama zaziphakamileyo. Ukwandisa izigidigidi eziyi-1.4 zee-bhondi ze-Harvard ezingama-62.1 eepesenti, kwaye ufumana amanqaku angama-877,372 e- bankruptcies eyenziwe ngamatyala eyeza .
Ngo-2011, abaphandi uTal Gross noMatewu Notowidigbo bafumene ukuba iindleko zonyango ngaphandle kwee-pocket zabangela iipesenti ezingama-26 ze-bankruptcies. Ukufunda kwabo kuphela kubhekiselele kumatyala aphantsi.
Ngo-2013, kwenziwe izifundo ezimbini ezenza izigqibo ezihlukileyo. Ingxelo ephezulu kakhulu echazwe yenziwa yiNerdwallet Health. Abaphandi baxhomekeke ekuqikeleleni kwabo kwi-2009 yeHarvard. Bayekanga ngaphandle kwee-bankruptcies ngenxa yokulahleka kwemisebenzi kwiingxaki zonyango. Abaphandi bavakalisa ukuba ama-57.1 ekhulwini ayenembile.
Kamva ngaloo nyaka, i-CNBC yabika ukuba i-Nerdwallet ibone ukuba iibhilikhi zonyango zabangela abantu abangama- 646,812 baseMerika ukuba bathenge i- bankruptcy. I-CNBC yongezelela ukuba wonke umntu ekhaya. Umyinge wekhaya unabantu aba-3, oguqulela abantu abayizigidi ezi-2 abachaphazelekayo.
I-Facebook meme isishwankathela inqaku elifanayo ukuba lifike kuqikelelo lwaloo- 643,000 lwezonyango. I-myth-buster Snopes isetyenziselwa ukufundiswa ukuchasisa i-Facebook meme ethi abantu abangama-643,000 baseMerika bahlaselwa ngamnye ngonyaka ngenxa yeebhilidi zonyango.
Kwakhona ngo-2013, ummeli we-bankruptcy uDaniel Austin watyhola ukuba ukuya kuma-26 ekhulwini wee-bankruptcies kwakukho ngenxa yeendleko zonyango. Wayebala kuphela iindleko ezinkulu zonyango njengeyona nto ebangela ukuba i-bankruptcy ibangele.
Ezi ndleko ezinkulu zazingaphezulu kwama-50 ekhulwini lesikweletu sommangalelwa, okanye ngaphezulu kwama-50 ekhulwini lomvuzo wakhe. Ubunini bebhanki bomntu ngamnye ngo-2013 beyi-1,038,720. Phinda iipesenti ezingama-26 ngama-bankruptcy kwaye ufumana i- bankruptcy 270,067.
Ngo-2015, i-Kaiser Family Foundation yabona ukuba iindleko zezokwelapha zenza abantu abayizigidi ezigidi bavakalisa ukuchithwa. Uphando lwayo lubone ukuba iipesenti ezingama-26 zabantu baseMelika abaneminyaka eyi-18 ukuya ku-64 ubudala babenzima ukuhlawula iibhili zonyango. Ngokwe-US Census, ngabantu abadala abayizigidi ezingama-52. Uphando lufumene ukuba iipesenti ezi-2, okanye i-1 yezigidi, zathi zivakalise ukutshatyalaliswa kwaloo nyaka.
Ngubani Ongakholelwa?
Abaphandi abavumelaniyo malunga nokuba iindleko zezonyango zingabangela njani ukuphazamiseka. Ingxaki enkulu ekuphenduleni umbuzo kukuba abo bafakela i-bankruptcy akudingeki ukuba basho isizathu. Ngenxa yoko, uqikelelo lu sekelwe kwiingxelo.
Indlela eyahlukileyo iyahlula kwisifundo sokufunda. Kuxhomekeke kwindlela abaphandi kunye nabaphendululwazi abaphendula ngayo bachaza ityala lonyango.
Okwesibini, iindidi zezinto ezibangelwa ukuphazamiseka. Uninzi lwabantu abanetyala lezonyango linamanye amatyala. Basenokuba nengeniso ephantsi, ukugcina imali encinane, kunye nokulahleka kwemisebenzi. Oku kwenza kube nzima ukubona ukuba i-bankrutpcy ingenxa yecala lezonyango kuphela. Ngokomzekelo, uphando lweKaiser Family Foundation lufumene ukuba iipesenti ezi-3 kuphela zathi ibhanki yabo yebhanki yayingenxa yesikweletu sezonyango. Kodwa ezinye iipesenti ezi-8 zathi kubangelwa ukuhlanganiswa kwezonyango kunye namanye amatyala.
Kwakhona kwafumanisa ukuba i-insured yayingakumbi ukuvakalisa i-bankruptcy (iipesenti ezi-3) kune-uninsured (iipesenti ezi-1). Oku kubakho kuba becinga ukuba bakhuselwe kwii-billing zonyango. Abaninzi babengazilungiselelanga ngeendleko ezingalindelekanga kunye neendleko zemali. Phantse okwesithathu abengazi ukuba isibhedlele okanye inkonzo ethile yayingeyona inxalenye yesicwangciso sabo. Omnye-kwe-ezine watyhola ukuba i-inshurensi yamkelwe amabango abo.
Ababenayo i-inshurensi baphumelela njani ngeemali ezininzi? Emva kokuncitshiswa okukhulu , iintlawulo ze-inshurensi zentsebenziswano, kunye nemida yonyaka / yokuphila , i-inshurensi yaphela. Ezinye iinkampani ziphikisana namabango okanye zacima nje i-inshurensi.
Indlela Yokugwema Ukuxhatshazwa Kwezonyango
Akuyiyo ingcamango efanelekileyo yokufakela i-bankruptcy ukuze uzalise ii-bills zonyango. Enye into, i-bankruptcy ihlala kwingxelo yakho iminyaka eyi-10. Akunakukwazi ukurenta indlu, ukufumana mboleko yemoto, okanye ukuthenga ikhaya. Abanye abaqeshi baya kukwala isicelo sakho somsebenzi ngenxa yesizathu.
Kwamanye amazwe, unokulahlekelwa ngumzi wakho. Umzekelo, i-Nebraska kuphela ikhusela i-$ 12,500 yee-home equity from seizing. Ingqikithi, unokulahlekelwa yi-$ 100,968 kwiimpahla. Ilahleko enkulu kakhulu eDelaware, apho ungalahlekelwa yi-$ 125,745 ngokulinganayo.
Ukongeza, i-bankruptcy iyabiza. Umyinge weendleko uvela kwi-$ 1,500 ukuya kwii-3,000 zamawaka kwiSahluko sesi-7 ngokufaka igosa. ISahluko 13 iindleko eziqhelekileyo zivela kwi-3,000 ukuya kwii-4,000 zamawaka ngegqwetha. Lezo ziindleko eziqhelekileyo zesizwe. Iindleko zinokuba ziphakame kakhulu kumazwe amaninzi asempumalanga.
Indlela efanelekileyo yokukhusela ukuphazamiseka kwonyango kukuthintela iibhili zonyango. Ukwenza oko, kufuneka ukhusele okanye uphathe izifo ezingapheliyo. Eyona nto ibiza kakhulu isifo sikashukela, i-$ 26,971 nganye kwintsapho, kunye neengxaki ze-neurological ezifana ne-multiple sclerosis, eyayibiza ama-34,167 ngamawaka. Iindleko ezinkulu kunazo zonke izibhedlele, ezibangele isiqingatha se-bankruptcies.
Iindleko zonyango eziphezulu ezivela kwiingozi azikwazi ukunqandwa. Kuloo meko, umxokelelwano wezemali kufuneka. Ukukhutshwa kweendleko zenyanga ezintathu ukuya kweyesithandathu kwiindleko zokugcina imali okanye kwiimarike zemali. Ingxenye yesithathu kuphela yamaMelika inama-dollar ayi-1,000.
Njengoko uphando lubonisa, inshorensi yempilo ayiyi kukukhusela ngokupheleleyo. Abantu abaninzi bebanjwe ngamabhonkco aphezulu kunye nezinye iindleko ze-pocket. Kufuneka ube ncinane ubunani bexabiso lakho lokutsalwa .