M'tawuni iliyonse ya usilikali, mumadutsa masitima ambirimbiri, masitolo ogulitsira ndalama, ndi ogulitsa galimoto ogwiritsa ntchito "popanda ngongole zofunikira kuti mugule magalimoto awo.
Mabizinesi awa, onse omwe ali pafupi ndi gulu lililonse la asilikali akunyamula achinyamata omwe ali ndi malipiro osadziwika omwe sadziwa zambiri za chiwongoladzanja cha mtundu umenewu.
Pali chiyembekezo kuti anthu akuganiza kugwiritsira ntchito malonda awa - Bungwe la Nsoko Yopereka Chithandizo cha Navy-Marine Corps.
Bungwe lopanda phindu limeneli limapereka mabanja a Navy ndi Marine Corps ndi thandizo lachuma komanso ngongole yopanda chiwongoladzanja panthawi ya mavuto a m'banja.
Asilikali ndi Air Force ali ndi bungwe lothandizira mabungwe othandizira msilikali komanso bungwe la Air Force Relief Society kuti liwathandize asilikali ndi kulandira ngongole kwa mitundu yonse ya ndalama.
Mapulogalamuwa amapereka mabanja achimuna njira ina pazinthu zamalonda "mwamsanga" komanso omwe amatha "kulowetsedwa" kuti azikhala ndi ndalama zambiri.
Ndi chisankho cholakwika pogwiritsa ntchito malonda apamwamba a chiwongola dzanja. Taganizirani za bungwe lothandizira zankhondo poyamba, chifukwa ngati mupita kukapeza ndalama, iwo anakulowetsani ku chiwongoladzanja chomwe chili chovuta kukwaniritsa zofunikira pamwezi.
Thandizo la National Consumer Law Center (NCLC)
Steve Tripoli, wogulitsa malonda ndi National Consumer Law Center, akuimbidwa mlandu "ndalama zofulumira" ogulitsa anthu omwe akugwira nawo ntchito ndi amkhondo achilendo mopanda chilungamo.
NCLC inapereka lipoti la masamba 66 tsikulo, lotchedwa, "Mu Njira ya Harm - Kunyumba: Zowonongeka kwa Ogulitsa ndi Direct Targeting wa asilikali a ku America ndi Ankhondo." Pakatili ndi bungwe lopanda phindu lomwe limayesetsa kuthetsa mavuto a ogula, makamaka omwe amawagulitsa ogula ndalama zochepa.
Mabungwe awa a ngongole akugwiritsa ntchito njira zonyenga zomwe zimaphwanya malamulo a federal mu Lending Law, zomwe cholinga chake chidziwitsa ogula za ndalama zomwe ngongole idzawononge.
Ndiponso, zambiri mwa ngongole zapamwambazi zingakhale zotsutsana ndi malamulo a boma omwe amaletsa kuchita zopanda chilungamo, zonyenga ndi zonyenga zina pamsika.
"Iwo (othandizira) ali atazunguliridwa ndi mabungwe awa," adatero Tripoli. Iye adalongosola mfundo yake ndi mafilimu omwe adawonetsera momwe mabasiketi oyendetsera ndalama, ogulira ngongole mwamsanga, ndi masitolo ogulitsa pamutu wapamutu adakhazikitsa masitolo pamsewu waukulu wopita ku Kings Bay Naval Submarine Base, Ga.
"Kodi anthu ogwira ntchito akugwera bwanji?" Ndithudi, chifukwa chakuti amaletsa ndalama zawo, nthawi zina, "adatero. "Koma sizili zovuta kuchita pamene malipiro anu ali otsika ndipo ndinu aang'ono komanso osadziŵa zambiri," adatero.
Tripoli adati asilikali ndiwo "makamaka omwe ali pachiopsezo" kwa ogulitsa ndalama mofulumira chifukwa cha zachuma ndi chiwerengero cha anthu.
"Anthu ogwira ntchito ndiwopindulitsa chifukwa ali aang'ono, malipiro awo ndi ofunika kwambiri - boma la US; Iwo sali pafupi kuchotsedwa ndipo zikuoneka kuti akuyang'aniridwa - makamaka achinyamata - - mavuto ena oyambirira mu moyo, "adatero.
Panthawiyi kuti apeze ndalama zogulira ndalama, Tripoli anati oboola ambiri amapereka maina awo amalonda omwe amamveka ngati asilikali.
Amene atchulidwa mu lipotili akuphatikizapo maina monga Malipiro a Nkhondo yapainiya, Oyang'anira Vuto Loyamba la Financial Financial, American Military Debt Management Service ndi Ndalama Zothandizira Zida. Tripoli adanena kuti mayina oterewa amachititsa anthu kuganiza kuti makampaniwa amapereka ndalama kwa asilikali. SABWINO!
"Iwo amatsitsa zofalitsa zawo zofalitsa ndi mawu okhudzidwa ndi mabanja achimuna," iye adatero. Iye adanenanso kuti malonda a nyuzipepala zokhudzana ndi nyuzipepala ya usilikali akukhulupirira kuti nyuzipepala zonsezi ndizolemba nyuzipepala pomwe zilibe.
Malinga ndi lipotili, zomwe zimagwirizana ndi mabungwe omwe amapereka ndalama zowonongeka paokha, kapena kulipira ngongole, ndi ena omwe nthawi zambiri amawoneka ngati khadi la foni, makampani a intaneti ndi makampani ogulitsira malonda ndikuti amalipira ngongole yaing'ono pafupipafupi chiwongoladzanja.
Musagwere Chifukwa cha Mitundu Yotereyi
Bzinesi yotchedwa Florida Internet imapereka makasitomala ake makasitomala angapo omwe angapereke ndalama zowonjezera ndalama kuti atsegule pa intaneti.
Njira imodzi yomwe mungasankhe ndi ndalama zokwana $ 480 pamene makasitomala amapita kuntchito ya pa chaka. Mtengo ndi $ 80 milungu iwiri iliyonse, yomwe imachotsedwa ku banki kapena makhadi a ngongole, kwa maola asanu ndi atatu. Ndipo intaneti ikhoza kupezeka pokhapokha pa malo osungirako malo osungirako malo.
Otsatira a NCLC atapita ku makampani awiri, adapeza mapeto anayi, awiri pa kampani iliyonse. Komabe, palibe makompyuta omwe adagwiritsidwa ntchito, Tripoli adati.
Ngakhale kupezeka kwapadera kwa intaneti pa makompyuta kunyumba kungathe kugulitsidwa pafupifupi madola 20 pamwezi, lipoti likuti makasitomala akugula ndalama zokwana madola 480 $ adzathe kulipira madola 2,080 ($ 173.33 pamwezi) kwa chaka chochepa cha utumiki (maola eyiti milungu iwiri iliyonse). Zotsatira zake: Ndalama zokwana madola 480 zomwe zimadula $ 173.33 mwezi uliwonse kwa chaka chimodzi zimasintha pa 421.6 peresenti ya peresenti pachaka.
Lipotilo linanena kuti makampani ogulira foni-foni amagwira ntchito mofananamo. Mu chitsanzo chimodzi, kampani pafupi ndi Marine Corps Base Camp Lejeune, NC, idagulitsa ziwalo za makadi omwe amapereka ndalama zokwana madola 300 zokhazokha. Pogwiritsa ntchito ndalamazo, wobwereka amavomereza kugula makhadi a foni 300 pamtengo wa $ 67.50 milungu iwiri iliyonse, kapena $ 135 pamwezi chaka chotsatira.
Tripoli adati izi zikutanthauza kuti ndalama zokwana madola 300 zokwana madola 300 peresenti zimakhala peresenti yokwanira.
Amalonda omwe amagwiritsa ntchito makampani otengapo malonda kuti azipititsa patsogolo ndalama sagwiritsa ntchito makatoni apatsulo omwe amaperekedwa ndi kampaniyo kuti apite patsogolo, Tripoli adanena. Ndipo akunena kuti zopereka zoperekedwa ndi makampani ogulitsira malonda ndi "zotsika kwambiri" komanso "zapamwamba." Anapanganso mankhwalawa akuyenera kutumiza katundu ndi kugwiritsira ntchito ndalama zomwe zimagula zinthuzo.
Lipotili likugwiritsanso ntchito anthu ogulitsa payekha omwe amagwira ntchito payekha omwe amapereka ngongole yaifupi yomwe imachokera pa mtengo wa galimoto, pogwiritsa ntchito mutu wawo monga chogulitsa. Nthaŵi zambiri, ngati wobwereka akulephera kulandira ngongole, wobwereketsayo amavomereza kuti galimotoyo ndi yochepa kwambiri.
Kumbukirani, ngati ndalama zakupatsani "ndi zabwino kwambiri kuti zisawonongeke - mwina ndizo." Musagwe chifukwa cha zosavuta ndalama. Yang'anani ndi mndandanda wa malamulo anu poyamba ndi kupeza akatswiri a zachuma kuchokera kwa akatswiri omwe ali m'gulu la asilikali.