Umxholo
- 1. I-27% yootata abaqhawule umtshato abanonxibelelwano nabantwana
- 2. I-20-40% yoqhawulo mtshato kumanyano olwenzeka ngenxa yokungathembeki
- 3. Ngaphezulu kwe-780,000 yoqhawulo mtshato e-USA ngo-2018
- 4. Malunga nesiqingatha sayo yonke imitshato eMelika iyakuphela ngokwahlukana okanye ngoqhawulo-mtshato
- 5. Imitshato eli-9 yenzeka ngelixa isibini sicengceleza isifungo somtshato
- 6. Elona zinga liphezulu loqhawulo-mtshato ngomsebenzi liphakathi kwabadanisi
- 7. Ngokomndilili, izibini ziya kuqhawulo-mtshato wokuqala zineminyaka engama-30
- 8. $ 270 ngumndilili wereyithi yeyure yamagqwetha aseMelika
- 9. Umndilili weendleko zoqhawulo mtshato zii-12, 900 zeedola
- 10. Iinyanga ezilishumi elinambini zanele ukugqibezela uqhawulo-mtshato
- 11. Ngaphezulu komndilili ”ii-IQs ngama-50% amathuba okuba aqhawule umtshato
Abantu abaninzi bacinga ukuba inqanaba loqhawulo-mtshato eMelika likhula ngokumangalisayo kwezi ntsuku. Abanye bathi le nkqubo sele iqhubekile iminyaka elishumi okanye nangaphezulu. Ungazi njani ukuba le nyaniso yoqhawulo-mtshato iyinyani okanye ayinyani?
Jika kwi-statistic yoqhawulo-mtshato yase-U.S. Kuphela kwendlela yokufikelela kwizibalo zoqhawulo mtshato ezinokuthenjwa. Akusoloko ufuna ukubonisana ngobungcali ukuze ufunde iinyani zoqhawulo-mtshato kunye neenkcukacha-manani.
Funda ufumanise iinyani ezili-11 ezimangalisayo nezinomdla malunga noqhawulo mtshato eMelika.
1. I-27% yootata abaqhawule umtshato abanonxibelelwano nabantwana
Ngokwezibalo, ootata abaqhawule umtshato bachitha ixesha elincinci kakhulu nabantwana babo, bexakekile yimisebenzi yokuqala yobuzali. Oku kubandakanya ukunceda ngomsebenzi wesikolo wasekhaya, ukuthatha abantwana ukuya kubonana, ukufunda amabali okulala, ukupheka, njl.
Malunga neepesenti ezingama-22 babona abantwana babo ngeveki, iipesenti ezingama-29- ngaphantsi kwamatyeli amane ngeveki, ngelixa ama-27% engenanxibelelwano kwaphela. Ngokumalunga nabo bathwala uxanduva lwabantwana, i-25% yamakhaya ikhokelwa ngootata abangatshatanga.
2. I-20-40% yoqhawulo mtshato kumanyano olwenzeka ngenxa yokungathembeki
Izifundo zibanga ukuba i-13% yabasetyhini kunye ne-21% yamadoda bayakopa. Into enika umdla yoqhawulo-mtshato kukuba abafazi abazimeleyo ngokwezezimali bayakhohlisa ngaphezulu kwabo baxhomekeke ngokwezezimali kumaqabane abo.
Iziphumo zokukopa emtshatweni zibalulekile. Phantse i-20-40% yoqhawulo-mtshato yenzeka ngenxa yokungathembeki. Nangona kunjalo, ukukopa akusoloko kukhokelela kulwaphulo-mthetho. Phantse isiqingatha sabalingane abangathembekanga abazahluli.
3. Ngaphezulu kwe-780,000 yoqhawulo mtshato e-USA ngo-2018
NgokweNqanaba loMtshato kunye noQhawulo-mtshato lweSizwe, bekukho imitshato engama-2,132,853 ngo-2018 (idatha ebonisiweyo yexeshana ngo-2018). Inombolo yetyala yoqhawulo mtshato igqithe kuma-780,000 (ama-45 anika ingxelo amazwe aseMelika kunye neDC).
Inqanaba loqhawulo-mtshato lwalungu-2.9 kubantu abali-1 000. Ingaphezulu kokuphindwe kabini kunenqanaba lomtshato kunyaka omnye.
4. Malunga nesiqingatha sayo yonke imitshato eMelika iyakuphela ngokwahlukana okanye ngoqhawulo-mtshato
Kuqikelelwa ukuba phantse i-50% yayo yonke imitshato iyakuphela ngokwahlukana, kodwa ayizizo zonke eziya kuqhawula umtshato. Amathuba okwahlukana aphezulu kumtshato wesibini nowesithathu. Ukuze uthelekise iinkcukacha-manani zezi:
- I-41% yayo yonke imitshato yokuqala iphelela kuqhawulo-mtshato
- I-60% yayo yonke imitshato yesibini iphelela kuqhawulo mtshato
- I-73% yayo yonke imitshato yesithathu iphelela kuqhawulo mtshato
5. Imitshato eli-9 yenzeka ngelixa isibini sicengceleza isifungo somtshato
Uqhawulo mtshato olunye lwenzeka rhoqo kwimizuzwana eli-13 eMelika. Kuthetha ukuba uqhawulo-mtshato ngama-277 ngeyure, uqhawulo-mtshato olungama-6 646 ngosuku. Isibini sifuna imizuzu emi-2 ukucengceleza izifungo zomtshato.
Ke ngoko, ngelixa esinye isibini sicengceleza izifungo, izibini ezisithoba ziyaqhawula umtshato. Ulwamkelo lomtshato luthatha malunga neeyure ezi-5.
6. Elona zinga liphezulu loqhawulo-mtshato ngomsebenzi liphakathi kwabadanisi
Inqanaba loqhawulo-mtshato kubantu abaxakekileyo njengabadanisi lelona liphezulu. Ngu-43. Udidi olulandelayo ngabahambi-bhari-38.4. Emva koko kuhamba, i-massage Therapists (38.2), abasebenzi beshishini lokudlala (34.6), kunye ne-IT abasebenzi benkonzo (31.3).
Elona zinga lisezantsi lokuqhawula umtshato liphakathi kwabantu abaziinjineli zezolimo (1.78).
7. Ngokomndilili, izibini ziya kuqhawulo-mtshato wokuqala zineminyaka engama-30
Ngokophando, izibini ziyafumana uqhawulo-mtshato lwabo lokuqala beneminyaka engama-30 ubudala.
Inani elifanayo labantu liya kuqhawula umtshato ukuba batshata abaneminyaka engama-20 ukuya kwengama-25.
8. $ 270 ngumndilili wereyithi yeyure yamagqwetha aseMelika
Umndilili weendleko zegqwetha lomtshato zii-270 zeedola ngeyure. Phantse iipesenti ezingama-70 zabaphenduli bathi bahlawula phakathi kwe- $ 200-300 ngeyure. I-11% ifumene ingcali ngenqanaba leedola ezili-100. I-20% ichithe i-400 yeedola nangaphezulu.
9. Umndilili weendleko zoqhawulo mtshato zii-12, 900 zeedola
Ngokwesiqhelo, abantu babhatala i- $ 7,500 yokuqhawula umtshato. Nangona kunjalo, indleko eziphakathi yi- $ 12,900. Uninzi lwenkcitho luya kwimirhumo yegqwetha. Benza i-11,300 yeedola. Eminye- $ 1,600- yiya kwezinye iindleko ezinje ngabacebisi ngerhafu, iindleko zenkundla, njl.
10. Iinyanga ezilishumi elinambini zanele ukugqibezela uqhawulo-mtshato
Ngokomndilili, kuthatha unyaka ukugqiba uqhawulo-mtshato. Nangona kunjalo, ixesha linde kwabo baye kwityala loqhawulo-mtshato. Ixesha liyothatha iinyanga ezintandathu ukuba izibini zinomcimbi omnye ekufuneka zisonjululwe.
11. Ngaphezulu komndilili ”ii-IQs ngama-50% amathuba okuba aqhawule umtshato
Ngokwedatha, abantu abane-IQ engaphantsi komndilili ngama-50% amathuba okuqhawula umtshato. Inqanaba lemfundo likwachaphazela amathuba okwahlukana. Abo baya kwikholeji banamathuba ali-13% okuqhawula umtshato.
Kwangelo xesha, ukuphuma kwesikolo esiphakamileyo yi-13% ngaphezulu.
Njengoko ubona, izinto ezininzi zichaphazela umngcipheko wokuqhawula umtshato. Phakathi kwabo yimvelaphi engalunganga yemfundo, imitshato yangaphambili, kunye nemisebenzi ethile efana nabadanisi.
Uqhawulo-mtshato yinkqubo ende nexabisa kakhulu. Ixabiso eliphakathi lidlula i-12,000 yeedola. Uninzi lusetyenziselwa igqwetha. Ngelixa oku kunokuba kubiza, ingcali iyayazi indlela yokuphumelela ityala loqhawulo-mtshato. Emva kwayo yonke loo nto, uncedo kumthetho wetyala loqhawulo mtshato lubalulekile.
Yeyiphi inyani yoqhawulo-mtshato eyakumangalisayo? Ngawaphi amanani abeluncedo? Yabelana nathi kwizimvo.