Zamkati
- Ukwati umakuthandizani kuti mukhale ndi thanzi labwino
- Ndi malo abwino kwa ana
- Chilolezo chokwatirana chimakupatsirani ufulu wamitundu yonse
- Mutha kulandira maubwino azachuma
- Kukhala pabanja kumatha kukupangitsani kukhala osangalala
- Ubwino wina
Panali nthawi ina pamene ukwati unali maziko a chikhalidwe chathu. Komabe, kuyambira mzaka za 1960, banja latsika pafupifupi 72 peresenti. Izi zikutanthauza kuti theka la anthu aku America ali pachibwenzi.
Osati zokhazo, koma malinga ndi Pew Research Center, maulendo 15 kuchuluka kwa mabanja tsopano amakhala limodzi kuposa momwe amachitira zaka 60, ndipo 40% ya anthu osakwatirana amakhulupirira kuti ukwati sukhala ndi chosowa kapena kufunika monga kale.
Tsoka ilo, kwa ambiri, a chiphaso chokwatirana sichina koma chidutswa cha pepala.
Ena anganene kuti ngati malingaliro amenewo adakambitsirana m'khothi, ndizosangalatsa kuti chikalata cha nyumba kapena dzina la galimoto sichimangowonedwa ngati "pepala" chabe - ndipo amakhala ndi mkangano woyenera. Ukwati siubwenzi chabe wa anthu awiri omwe amakondana.
Ndiye chiphaso chani chaukwati? ndipo cholinga chololeza ukwati ndichani? Mwachidule, ndi chikalata chokwaniritsidwa ndi banja chomwe chaperekedwa ndi tchalitchi kapena akuluakulu aboma omwe amawapatsa mphamvu zokwatirana.
Ukwati ndichipangano chovomerezeka komanso mgwirizano. Ndipo kotero, anthu awiri akaganiza zokhala othandizana nawo mothandizidwa ndi chiphaso chokwatirana ndi mwambo waukwati, pamakhala zabwino zambiri zomwe zimadza ndi izi.
Musanayambe kusokoneza kufunika kwa layisensi yaukwati, tiyeni tikudziwitseni chifukwa chake mukufunikira chiphaso chokwatirana? muyenera kulandira liti laukwati wanu? ndipo ndi zinthu ziti zofunika pa chiphaso chaukwati?
Ukwati umakuthandizani kuti mukhale ndi thanzi labwino
Aliyense amafuna "kukhala bwino ndikuchita bwino", sichoncho? Njira imodzi yochitira izi ndi kukwatira. Mwachitsanzo, pali kafukufuku yemwe akuwonetsa kuti "iwo omwe sanakwatirane anali ndi mwayi wopitilira kawiri kuposa omwe anali paukwati wokhazikika m'moyo wawo wonse wachikulire".
Sikuti ukwati ungapulumutse moyo wokha (kwenikweni), koma umachepetsa mwayi wokhala ndi matenda osatha, umakulitsa thanzi lam'maganizo ndi malingaliro komanso palinso maphunziro omwe akuwonetsa kuti kugonana okwatirana ndibwino kuposa kugonana pakati pa osakwatira.
Chifukwa chimodzi ndichakuti anthu apabanja amakonda kugonana nthawi zonse kuposa amuna okhaokha; izi zimapangitsa kuti ma calories ambiri awotchedwe komanso kukhala ndi thanzi la mtima wabwino. Komanso, kuchita zinthu ndi wokondedwa wanu ndi kotetezeka kwambiri.
Ndi malo abwino kwa ana
Pali pang'ono pangati pano. Ukwati ndi a malo abwino kwa ana ngati ukwati wokha uli wabwino.
Pokumbukira izi, pali malipoti ambiri omwe akuwonetsa kuti ana omwe ali ndi makolo awiri mnyumbamo amakhoza bwino, amatha kupitiliza maphunziro (ndikupita kukoleji), amakhala ndi mwayi wochepa wogwiritsa ntchito mankhwala osokoneza bongo kapena kumwa mosakwana msinkhu , sakhala pachiwopsezo chazovuta zam'maganizo komanso kukhumudwa ndipo ali ndi mwayi waukulu wokwatirana akadzakula.
Chilolezo chokwatirana chimakupatsirani ufulu wamitundu yonse
Ngakhale kuti palibe amene ayenera kukwatira chifukwa cha maubwino alamulo, ndibwino kudziwa kuti pali ena. Ambiri, makamaka. Kukhala wokwatira kumakupatsirani ufulu wopeza maubwino a Social Security, Medicare, ngakhalenso kulumala.
Zimakupatsani mwayi wopanga zisankho zazikulu zachipatala m'malo mwa mnzanu. Ngati mnzanuyo anali ndi ana musanakwatirane, mutha kulembetsa mwalamulo ntchito ya kholo lopeza kapena ngakhale kulera ana.
Mutha kusaina kuti mukhazikitsane pangano la mnzanu. Ndipo, akamwalira, mutha kuvomereza njira zakufa pambuyo pake ndikupanganso mapulani omaliza a maliro. Muthanso kupeza mwayi wolipirira ogwira nawo ntchito kapena ndalama zapuma pantchito.
Mutha kulandira maubwino azachuma
Kodi mumadziwa kuti alipo maubwino azachuma zomwe zimadza ndikukwatira? Ukwati ungakupezereni kuchotsera msonkho kangapo.
Itha kutetezanso malo anu, kuchepetsa ndalama zomwe mumawonongera pa zaumoyo, kukupezerani ndalama zochulukirapo pazopereka zachifundo ndipo itha kukhalanso ngati pobisalira misonkho ngati mnzanu ali ndi bizinesi yomwe imatha kutaya ndalama.
Kukhala pabanja kumatha kukupangitsani kukhala osangalala
Kodi mutha kukhala ndi moyo wosangalala osakwatira? Inde, mungathe!
Koma mukadziwa kuti muli ndi munthu wina kumbali yanu amene akudzipereka kukuthandizani ndikulimbikitsani, munthawi zabwino komanso zovuta, m'moyo wanu wonse, izi zimatha kudzetsa mpumulo ndi chisangalalo.
Ndicho chifukwa chake palinso maphunziro omwe akuwonetsa kuti anthu okwatirana amakhala achimwemwe, okhalitsa, kuposa osakwatira (ndi osudzulana).
Ubwino wina
Kupatula kugwira ntchito ngati umboni wofunikira waukwati, a chiphaso chokwatirana ili ndi maubwino ena ambiri. Zina mwa izi ndi izi:
- Kupeza kuvomereza kwa mnzanu
- Kuonetsetsa kuti anthu akutetezedwa
- Zopindulitsa kwa amayi chifukwa zimatha kudzidalira
- Zothandiza pakufuna inshuwaransi ya moyo, penshoni, ndi ndalama zina kubanki
- Zitha kukhala zofunikira pakupatukana kwalamulo, chisamaliro, ngakhale banja
- Kulowa m'malo mwa katundu.
Chifukwa chake, monga mukuwonera, mukamaganiza zakuti kapena kulandira chiphaso chokwatirana kungasinthe bwanji moyo wanu pankhani yokhudza ubale wanu, pali umboni wochuluka womwe ukunena kuti ungatero.
Kukwatirana ndizoposa kungokhala ndi "pepala" chabe. Pafupifupi pagulu lililonse lomwe mungaganizire, zimadza ndi zabwino zambiri. Zomwe zitha kukhala moyo wonse!