Ukuhlolwa kwesikhuthazo sesine kuyafika - uma uhlala kulezi zifundazwe

Kubonakala sengathi ngaso sonke isikhathi lapho kuthunyelwa isheke le-dunning, kuba khona ukuphumula kwemizuzwana emihlanu ngaphambi kokuba othile aqale ukubuza, "Ngakho-ke... kuzoba khona...?" ? enye (Isikhumbuzi: isheke lesithathu le-stimulus lithunyelwe ngenyanga yesithathu yonyaka wezi-2021). Uma ungomunye wabantu abazibuzayo ukuthi kuzoba ne-quarter stimulus, sinempendulo yakho: Yebo into efana. Iqiniso, isheke lesine le-stimulus es kodwa uma kuphela Uhlala ezifundazweni ezithile zaseMelika.

Okwamanje, kufanele ucabange, Linda, linda, linda, linda, linda. Linda, ini? Hawu ngempela?

Yebo kuyiqiniso. Sizoqinisa lesi sendlalelo ngokumboza futhi ukusuka ogwini kuye ogwini.

Ingabe izithende ze-4th stimulus sezifikile ngempela?

Bona wakhe-kodwa aziveli kuhulumeni wobumbano njengama-stubs okugcina amathathu. Kulokhu kuncike esimweni ohlala kuso. Kunjalo, lawo masheke wesine wokuvuselela okwamanje aya kubantu abathile ezingeni likahulumeni nelikamasipala.

Ngenkathi kwethulwa ibheyili yase-US, izifundazwe ezingama-50 eqenjini layo zithole amaRandi ayizigidi eziyizinkulungwane eziyi-195.000 (okungenani amaRandi ayizigidi eziyizinkulungwane ezingama-500 esifundazweni ngasinye) ukusiza ngezimali ukusimama kwazo komnotho ngokushesha.¹ Imali encane impela leyo. Kodwa nakhu okubambekayo: akudingeki ukuthi usebenzise leyo mali unomphela. Amazwe kufanele athole ukuthi angayisebenzisa kanjani imali ngaphambi kokuphela kuka-2024, bese-ke kufanele kuze kube sekupheleni kuka-2026 ukusebenzisa yonke leyo mali.² Lezi zinsuku zokugcina zingabonakala zikude kakhulu, kodwa iwashi liyahamba.

Iziphi izifundazwe ezinikeza isheke lesine lokuvuselela?

Nakhu, zonke izifundazwe ezingama-50 ziyakwazi ukufinyelela le mali, kodwa okokuqala kufanele zazi ukuthi zifuna ukuyisebenzisa kanjani. Kuze kube manje, lezi yizifundazwe esezenze uhlelo lwegeyimu lokusebenzisa imali njengesheke lekota lokukhuthaza.

isheke lesine lokuvuselela lilethwa emaqenjini athile

Ezinye izifundazwe zicwila obishini lwemali uhulumeni azinike yona bese zisabalalisa i-Fourth Stimulus stubs emaqenjini athile abantu. Izimo azifani esimweni ngasinye, kodwa zonke zibonakala zinamaphuzu athile afanayo, njengokuba semazingeni athile omholo noma ezimweni ezinzima kakhulu.

• Arizona

I-Grand Canyon State ithatha indlela ehlukile kuma-stimulus stubs: Iyisabalalisa kubantu ababuyela emsebenzini. Uhlelo lwase-Arizona lwe-Back to Work luhlinzeka ngo-$2.000 kulabo abathole umsebenzi ngemva kokuphelelwa umsebenzi.³ Kodwa kufanele ube emsebenzini wakho omusha okungenani amasonto ayisishiyagalombili ngaphambi kokuthi uthole inzuzo.

• California

I-Golden State iyona kuphela ohlwini enikeza amasheke amakhulu okuvuselela afana nalawo avela kuhulumeni wobumbano. Nansi indlela izinombolo zabo eziphuka ngayo: Abantu baseCalifornia abahola u-$75.000 noma ngaphansi bathole isheke lesikhathi esisodwa lika-$600 noma u-$1.200 ngaphansi kwe-Golden State Stimulus I.⁴ Futhi nge-Golden State Stimulus II, bangase bafanelekele inkokhelo yesibili yokuvuselela ephakathi kuka-$500 no-$1.100.⁵ Lokhu kwenezela emalini eyengeziwe uMbuso oyithengile nge-Early Childhood Tax Credit yalabo abanezingane ezineminyaka engu-6 ubudala noma ngaphansi.⁶

• Colorado

Laba bafana banqume ukugxila ekunikezeni amasheke abo okuvuselela abantu abangasebenzi. Bathumele amadola aseMelika angama-375 kulabo ababethole okungenani inkokhelo eyodwa yesheke labangasebenzi phakathi kukaMashi 15, 2020 no-Okthoba 24, 2020.⁷

• Maine

Enyakatho-mpumalanga, i-Maine isabalalisa izinkokhelo “zosizo lwezinhlekelele”. Lawa ma-stubs angama- $ 285 athunyelwa njengokubonga kulabo abebesemsebenzini kulo lonke lolu bhubhane.⁸

Futhi ngo-Ephreli 2022, iMaine yamemezela ukuthi izothumela amasheke osizo angama- $ 850 ezakhamizini zayo ezingaba ngu-858.000 ukuze kulungiswe imiphumela yokwehla kwamandla emali.⁹ Exhaswe imali enqwabelene yesabelomali sikahulumeni, amasheke azothunyelwa ngeposi kusukela ngoJuni 2022.

• Maryland

EMaryland, noma ngubani owafuna i-Earned Capital Tax Credit ngezintela zabo zango-2019 angathola amasheke okuvuselela ama- $500 (imindeni) noma ama- $300 (ngabanye).¹⁰

• Missouri

Uma uhlala e-Missouri futhi usebenza esibhedlela sabagula ngengqondo, ekhaya lomhlalaphansi, noma isikhungo sokuhlunyeleliswa kwezimilo (esaziwa nangokuthi ijele), naka. Umbuso usabalalisa enye imali engu-US$250 ngomholo ngamunye kulaba bantu ukuze sibabonge ngomsebenzi wabo kulo lonke lolu bhubhane.¹¹

• ENuevo México

Ezweni Lokuthakathwa, izigidi ezi-5 zamadola aseMelika zizonikezwa labo abangazange bafanelekele iphakethe le-federal stimulus package. Abantu abasha baseMexico abahola kancane bazothola inkokhelo yesikhathi esisodwa engu-$750.¹²

• ENew York

Ngohlelo olubizwa nge-Excluded Workers Fund, i-New York State isabalalisa phakathi kuka-$3.200 no-15.600 wezinzuzo zokungasebenzi ngesikhathi esisodwa kubasebenzi abalahlekelwe yimisebenzi noma iholo ngesikhathi sodlame lwe-COVID-19, kodwa abangazange bahlangabezane nezidingo zokuthola usizo njengezinzuzo zokungasebenzi noma izinkokhelo zokukhuthaza.¹³

• Vermont

Isoftware ye-Vermont Frontline Hazard Grant inikeze amasheke ka-$1.200 kuya ku-$2.000 kubasebenzi abangaphambili abasebenze ezinyangeni zokuqala zalolu bhubhane.¹⁴ Abasebenzi abathole isheke bahlanganisa imisebenzi eyahlukene, okubalwa izitolo nezokudla, abanakekeli nabasebenzi bezempilo.

Ukuhlolwa kwe-4th Incentive kwabafundisi

Kwezinye izifundazwe, ukuhlolwa kwabo kwesine kwesikhuthazo kuthola ubuso obusha: amabhonasi othisha! Akuyona imfihlo ukuthi abafundisi bangamaqhawe angaziwa emiphakathini yethu, y Bahlolwa ngesikhathi sobhadane. Ukuze ubabonise ukuqashelwa okubafanele, ezinye izifundazwe zinikeza abafundisi igumbi elikhangayo.

• Florida

EFlorida, othisha bazothola ibhonasi ka-$1.000, nakuba olunye ulwazi lungakaziwa ngokuthi ubani onelungelo lokuyithola. Uma ungumfundisi ku-Sunshine State, hlola nesifunda sakho ukuze ubone ukuthi uyafaneleka yini.¹⁵

• Georgia

I-Georgia inweba ibhonasi engu-$1.000 kothisha nabaphathi besikhathi esigcwele. Othisha besikhashana bazoqhubeka nokuthola ibhonasi ka-US$500, futhi kukhona ngisho nohlelo lokunikeza ibhonasi othisha basenkulisa.¹⁶

• Michigan

Ekuqaleni kuka-2021, iMichigan yasebenzisa imali yesibonelelo ukuze ikhokhele abafundisi bayo amabhonasi angu-$500 kanye no-$250 kubasebenzi abeseka izikole. Akukaziwa ukuthi bazosabalalisa yini enye ibhonasi.¹⁷

• Tennessee

I-Tennessee yethu ihlinzeka othisha besikhathi esigcwele u-$1.000 kanye nabafundisi besikhashana u-$500 ukuze sibonge ngomsebenzi wabo onzima.¹⁸

• Texas

Manje akukho osekwenzekile kuso sonke isimo okwamanje, kodwa ezinye izifunda ku-Lone Star State zikhipha amabhonasi azo. Izifunda zinikeza izinto ezifana nokukhushulwa okungu-2-4%, ibhonasi ka-$500, kanye nesikhuthazo sika-$2.000 sokubuyisela othisha abathile ekilasini.¹⁹

Imaphi amadolobha asabalalisa amavawusha e-4 e-stimulus?

Kulungile: amadolobha nawo abambe iqhaza kumavawusha okuvuselela (bekuyindaba nje yesikhathi, akunjalo?). Hlola ukuthi idolobha lakho lisohlwini yini:

• Chicago

Izakhamuzi ezihola kancane ze-Locality of the Wind bathole amasheke okuvuselela okungahleliwe. Ufunde lokho kahle. I-Chicago izosabalalisa amasheke angu-$500 ngenyanga kubantu abangu-5.000 phakathi no-2022. Azokhethwa ngokungahleliwe kulo mdwebo wokuvuselela.²⁰

• Los Angeles

NjengeChicago, i-Los Angeles isabalalisa izinkokhelo kubahlali abahola kancane unyaka wonke. Uhlelo lwabo, olubizwa ngokuthi BIG:LEAP, luzonikeza abantu abangu-3.200 abakhethwe ngokungahleliwe u-$1.000 ngenyanga.²¹

• Pittsburgh

Uhlelo lwase-Pittsburgh lubizwa ngokuthi i-Secured Money experiment futhi lunikeza izakhamuzi ezihola kancane ezingu-200 u-$500 ngenyanga iminyaka embalwa. Isofthiwe izosebenzisa u-$2,5 wezigidi kumakhodi e-zip ahola kancane.²²

• Santa Ana

Izakhamizi eziseduze zase-Los Angeles zithola olwazo uhlelo lokukhuthaza, olubizwa ngokuthi i-Santa Ana Resident Stimulus Programme Izosabalalisa amaRandi ayizigidi eziyisi-6 ezindaweni eziseSanta Ana ezingaphansi komugqa wobumpofu. Izinkokhelo zama-US$300 zizolayishwa emakhadini edebithi akhokhelwa ngaphambili futhi zisatshalaliswe indlu ngendlu kubahlali abangaba ngu-20.000.²³

• Seattle

I-Seattle iphakathi kwezinkokhelo ezinhle kakhulu ohlwini. I-Seattle Relief Fund wuhlelo lwama-dollar ayizigidi ezingu-16 olukhokha u-$1.000 kuya ku-$3.000 kubahlali base-Emerald City abahola kancane.²⁴

Ingabe kuzoba nelinye isheke le-federal stimulus?

Iningi labantu liyavuma ukuthi uhulumeni wobumbano mancane amathuba okuthi athumele elinye isheke elikhulu lokukhuthaza. Kodwa-ke, abanye abenzi bomthetho bayaqhubeka nokufuna enye isheke lokuvuselela ukusiza abantu baseMelika abadonsa kanzima ukuthi bakhe kabusha ngenxa ye-COVID-19 kanye nomthelela wayo kwezomnotho. Futhi ngokuhlukahluka kwe-Delta ne-Omicron laphaya, kungenzeka yini enye isheke lokukhuthaza... todo el mundo? Ngeke wazi. Noma kunjalo, nje el tiempo uzoqinisekisa. Abantu abaningi bebengacabangi ukuthi sizobona isheke lesithathu lesikhuthazo, kodwa kwenzeka.

Njengoba umnotho nokuqashwa kwabantu kukhuphuka, isidingo sokuhlolwa kokuvuselela sincane kakhulu kunalokho ebesiyikho selokhu kwaqala lolu bhubhane. Ingasaphathwa eyokuthi abantu abaningi bebethola imali eyengeziwe nyanga zonke ngenxa yesikweletu sentela yezingane. Uma sihlanganisa konke lokhu, kulula ukubona ukuthi kungaba khona cha kube esinye isheke sokuvuselela. Kodwa uma kukhona, ungakhathazeki, sizokwenza uqonde.

Abantu baseMelika basebenzise kanjani amasheke abo okukhuthaza?

Kwakukhona abathathu - babale -tres ukugqugquzelwa kukahulumeni kubheka ngezinga elikhulu kusukela kwaqala lolu bhubhane. Futhi manje njengoba sekudlule isikhathi esihle kusukela kuthunyelwe isheke lokuqala, sesiqala ukufunda ukuthi leyo mali isetshenziswe kanjani. Inhlolovo yethu yezezimali yomuntu siqu ithole ukuthi kulabo abathole isheke lokukhuthaza:

• U-41% wawusebenzisela ukukhokhela izinto ezifana nokudla nezikweletu
• U-38% wongiwe imali
• U-11% uwusebenzise ezintweni ebezingabhekwa njengesidingo
• U-5% utshale imali

Futhi ngaphezu kwalokho, nazi izindaba ezinhle: Idatha YeCensus Bureau ibonisa ukuthi ukushoda kokudla kwehle ngo-40% futhi ukuntengantenga kwezimali kwehle ngo-45% ngemva kokuhlolwa kokuvuselela okubili kokugcina.²⁵ Inkinga enkulu leyo. Kodwa umbuzo lapha uthi: ngabe isixuku sisesimweni esingcono manjeNgabe bazozimisela kakhulu ukuphatha imali yabo ukuze baqinisekise ukuthi konke kuhamba kahle? kusenjalo ngale ndlela?

Ungalindi isheke lesi-4 le-stimulus ukuze ulawule imali yakho

Ukuthola imadlana eyengeziwe uma usenkingeni kungase kubonakale kuwumoya ohlanzekile, kodwa unganciki ekukhetheni kwami ​​njengohlelo lwemali. Sesikushilo ngaphambilini futhi sizokusho ngokuphindaphindiwe (izikhathi eziningi ezidingekayo): ungalindi ukuthi uhulumeni akunakekele. Ingabe akakaze ukubheja okwamukelekayo.

Futhi iqiniso liwukuthi uzolinda isikhathi eside. Impela, ukuhlolwa kwesikhuthazi sesine kungakusiza, kodwa ngeke kube yimpilo yakho. Uma ufuna ngempela ukulawula imali yakho, udinga uhlelo olufakazelwe lokho tú nguwe ophethe.

Bheka, ukuhlolwa kokuvuselela kuzokugcina untanta isikhathi eside. Kodwa ukuqonda ukuthi ungayenza kanjani ibhajethi, ulondoloze, futhi uphathe imali yakho ngokuhamba kwesikhathi kuzokusiza ukuthi usuke ekusindeni uye ekuchumeni. Futhi siqonda kahle ukuthi yini edingekayo ukuze ukufinyelele.

Uma wenza ibhajethi nge-EveryDollar, maningi amathuba okuthi ugcine indlela osebenzisa ngayo imali ilawulwa futhi uthuthukele ezinhlosweni zakho zezezimali. Yenza imali yakho ikusebenzele uqale ukuphila impilo oyifunayo, ungalindi uhulumeni. Qala ukwenza ibhajethi mahhala nge-EveryDollar namuhla!