Iqiniso Mayelana Nezivivinyo Zemitholampilo

-Delile

• Izibalo Zabantu Abazama Ukuhlolwa
• Kungani Abantu Behileleka
• Amathrendi Ezezimali Phakathi Kovivinyo Lomtholampilo
• Imibono Eqondile
• Ithonya Likahulumeni
• Okuhlangenwe nakho Kwezilingo Zemitholampilo, ngoGender
• Umphumela Womdlavuza Kuzilingo Zemitholampilo
• Ukubamba iqhaza kwecala lokuhlolwa, ngeminyaka
• Abahlanganyeli Besikhathi Esizayo
• Umhlahlandlela Wakho Wezinkinga Zezempilo

Inani lezivivinyo zokwelashwa ezenziwa e-U.S. Likhule ngaphezu kuka-190% kusukela ngonyaka ka-2000.

Ukusiza odokotela nososayensi ekwelapheni, ekuvimbeleni nasekuxilongweni kwezifo ezisakazeke kakhulu namuhla, siyazifunda. Lokhu kubandakanya ukuhlolwa kwemithi emisha noma amadivayisi. Ngenkathi le mishanguzo namadivayisi ehlolwa ngokuqinile ngaphambi kokudlulela esigabeni esilandelayo, izivivinyo zokwelashwa ziyingxenye ebalulekile yenqubo yocwaningo.

Sihlolisise ababambiqhaza bezilingo zomtholampilo ababalelwa ku-180 futhi cishe abangabahlanganyeli abayi-140 mayelana nokuhlangenwe nakho kwabo nemicabango yabo mayelana nokuhlolwa kwemitholampilo. Noma ngabe ubambe iqhaza esivivinyweni sasemtholampilo ngaphambilini noma ucabanga ukubamba iqhaza okokuqala, singakusiza uqonde ukuthi yini ongayilindela - kusukela kunxephezelo lezezimali kuye ethubeni lokubamba iqhaza futhi. Qhubeka ufunde ukuze ufunde kabanzi.

Izibalo Zabantu Abazama Ukuhlolwa

Kubabambiqhaza abangaphezu kuka-170 abakhona manje nabangaphambilini, cishe izingxenye ezimbili kwezintathu kwakungabesifazane, futhi cishe amaphesenti angama-80 ayengabantu baseCaucasus. Ngenkathi ucwaningo luphakamisa ukuthi izivivinyo zokwelashwa - ikakhulukazi lezo ezigxilwe ekwelashweni ngomdlavuza - zingahluka ngokwengeziwe ngokobuzwe, sathola ukuthi cishe ama-Hispanic (amaphesenti ayisikhombisa) acishe aphindwe kabili kune-Asia-American noma i-African-American (amaphesenti amane).

Cishe amaphesenti angama-40 ahlala eNingizimu, kanti amaphesenti ayi-18 abamba iqhaza ezivivinyweni zokwelashwa ahlala eNyakatho-mpumalanga. Kuzwelonke, ngaphezu kwamaphesenti ayi-17 wabantu bahlala eNyakatho-mpumalanga, futhi cishe amaphesenti angama-38 ahlala eNingizimu. Ekugcineni, ababambiqhaza besilingo somtholampilo kungenzeka ukuthi babe yiminyaka eyizinkulungwane noma ama-baby boomers.

Kungani Abantu Behileleka

Sibuze abaphendulile ukuthi yini ebakhuthaze ukuthi babambe iqhaza ezifundweni abazibhalisele. Ngenkathi ngaphezulu kwengxenye yesine befuna ukuthola ukwelashwa okusha kokukhathazeka ngokwelashwa noma ukugula, abangaphezu kwengxenye yesithathu babefuna ukusiza ucwaningo lwesayensi. Ukuhlolwa okuningi kwemitholampilo kube nemiphumela esindisa impilo kulabo ababamba iqhaza, futhi labo abaphilile futhi ababamba iqhaza kulezi zivivinyo banomthelela omkhulu ekutholeni kwalezi zifundo.

Ngenkathi cishe amaphesenti angama-60 alabo ababambe iqhaza ezivivinyweni babenesimo, cishe amaphesenti angama-26 akhethe ukuzibandakanya njengabahlanganyeli abanempilo. Ngoba izivivinyo eziningi zehluleka ngenxa yokuntuleka kokubamba iqhaza, imizamo yalabo abaphilile futhi abafuna ukusiza ukuqhubekisela phambili ucwaningo lwesayensi ingaba yinto ezuzisayo. Njengoba omunye umuntu asitshela, “Isizathu sami sasikabili; eyodwa, ukusiza umuntu oza emva kwami ​​nababili, ukuzinika elinye ithuba lokushaya lesi sifo. ”

Amathrendi Ezezimali Phakathi Kovivinyo Lomtholampilo

Ngenkathi ababambiqhaza abaningi bezilingo zokwelashwa bathola isinxephezelo, abaningi abakhokhelwanga ukubamba iqhaza kwabo ezivivinyweni zokwelashwa. Kusukela kulabo abakhonjwe njengabanempilo noma ababambe iqhaza ukusiza ukuqhubeka nocwaningo lwesayensi, kulabo ababegula futhi abadinga ukusekelwa kwezokwelapha okusha noma okuwusizo kakhulu, ngaphezu kwamaphesenti angama-30 awatholanga sinxephezelo semali ngesikhathi sabo. Kodwa-ke, ababambiqhaza abaningi bezivivinyo zokwelashwa bathola ukwelashwa kwamahhala obekungakhokhiswa kumshwalense wabo.

Kodwa-ke, cishe amaphesenti angama-70 athola isinxephezelo sezezimali ngokubamba iqhaza ezivivinyweni zokwelashwa. Ucwaningo olukhokhelwayo lungasiza esivivinyweni somtholampilo futhi lukhuthaze ukubhaliswa okufika ngesikhathi kepha akuqinisekisi ngaso sonke isikhathi iqembu lokufunda elihlukahlukene. Isinxephezelo esivame kakhulu sasiphakathi kuka- $ 100 kuya ku- $ 249, kuyilapho abanye babika ukuthi bathola amanani aphakeme kakhulu. Ngaphezudlwana kwamaphesenti angama-30 athe athola ama- $ 250 noma ngaphezulu.

Imibono Eqondile

Sibuze labo abanolwazi ngezivivinyo zomtholampilo ukuthi bazizwa kanjani ngenqubo. Kusukela ekuvakasheleni odokotela ekwelashweni okutholakele nokunakekelwa kokulandelwa ngemuva kwalokho, ngaphezulu kwengxenye yesithathu babeke umuzwa wabo kwabahlanu kwabahlanu (okuhle kakhulu).

Ukuhlolwa kwemitholampilo akusizi nje ukuhambisa umphakathi wezokwelapha phambili. Zingaba nakho okuhle kakhulu kwabahlanganyeli, ngaphandle kwezidingo zabo zezempilo.

Abangaphezu kwesigamu balinganisele isipiliyoni sabo noma abathathu noma abane esikalini sethu, ngamazinga abo bonke abahlanganyeli abalinganiselwa ku-3.8. Empeleni, Amaphesenti angama-86 azobamba iqhaza esivivinyweni somtholampilo futhi.

Ithonya Likahulumeni

Ngesikhathi salokhu kubhalwa, isiphakamiso sesabelomali sikaMongameli uDonald Trump besingakaphasiswa yiCongress, kepha ukusika ezinhlelweni ezibalulekile ezisekela ama-ejensi ocwaningo lwezokwelapha kanye nezesayensi kungaba nomthelela omkhulu ekuqhubekeni kocwaningo lwezokwelapha luya phambili, ngokusho kwabanye abagxeki. Njengoba kunikezwe lezi zinguquko ezihlongozwayo, kanye namandla okuvinjelwa kokuhamba kanye nemikhawulo yokuthinta kabi umphakathi wezokwelapha, sibuze labo ababambe iqhaza ezivivinyweni zokwelashwa esikhathini esedlule ukuthi ngabe bakhathazekile yini ngomthelela wokuphatha kukaTrump ezifundweni ezizayo.

Iningi (amaphesenti angama-58) lithe likhathazekile ngenguquko engaba khona yomthelela kusuka ekuphathweni okusha okungaba nayo, futhi ngaphezulu kokuthathu kokuthathu kwalabo abangaphansi kweminyaka engama-50 bazizwa bekhathazekile ngezinguquko ezivivinyweni zokwelashwa.

Okuhlangenwe nakho Kwezilingo Zemitholampilo, ngoGender

Ngenkathi izifundo zangaphambilini kungenzeka ukuthi zathola igebe lobulili okwehlukahlukana phakathi kokuhlolwa kwemitholampilo, ucwaningo lwethu alutholanga nje kuphela ukuthi abesifazane bangabahlanganyeli abadlangile, bakhokhelwa kakhulu ngokubamba kwabo iqhaza futhi babenamathuba amaningi okulinganisela ulwazi uma kuqhathaniswa nabesilisa.

Cishe izingxenye ezimbili kwezintathu zabesifazane zibambe iqhaza ezivivinyweni zokwelashwa ukuphatha noma ukwelapha ukukhathazeka okuthile kwezempilo, uma kuqhathaniswa nabangaphezu nje kwesigamu samadoda. Ingxenye yabo ilinganise amava abo kwabahlanu kwabahlanu, kuyilapho kuphela amaphesenti ayi-17 wamadoda asho okufanayo. Abesifazane nabo babenamathuba amaningi okuthi babambe iqhaza kwezinye izivivinyo (Amaphesenti angama-93), uma kuqhathaniswa nabesilisa (amaphesenti angama-77).

Umphumela Womdlavuza Kuzilingo Zemitholampilo

Minyaka yonke, kutholakala ukuthi abantu banomdlavuza e-United States, futhi bacishe babe yi-600,000 ababulawa yilesi sifo. Ngaphandle kokudlanga komdlavuza e-U.S., Ngabantu abadala kuphela abatholakala benomdlavuza ababamba iqhaza ezivivinyweni zokwelashwa ukusiza ukuphatha izimpawu zesimo sabo. Lokhu kuzibandakanya okulinganiselwe kubangela ukuthi izilingo ezi-1 ezigxilwe umdlavuza zihluleke ngenxa yokuntuleka kokubamba iqhaza.

Sithole labo abanomdlavuza balinganise isipiliyoni sabo sesilingo somtholampilo kangcono kunaleso esingatholakali. Abahlanganyeli abanomdlavuza babekwazi kakhulu ukukala ikhwalithi yesipiliyoni sabo kungaba ezine noma ezinhlanu kwabahlanu, uma kuqhathaniswa nalabo ababengenomdlavuza.

Cishe uhhafu walabo abatholakala benomdlavuza nabo babambe iqhaza ezivivinyweni zokwelashwa ngaphandle kokuthola isinxephezelo, futhi labo abathola imali bathola ngaphansi kuka- $ 249 ngokwesilinganiso. Labo abangazange batholwe ukuthi babenamathuba acishe aphindwe kathathu okuthola phakathi kuka- $ 750 kuya ku- $ 1,499 ngokubamba kwabo iqhaza ezivivinyweni zokwelashwa.

Ukubamba iqhaza kwecala lokuhlolwa, ngeminyaka

Abangaphezu kwengxenye yesithathu yabahlanganyeli abangaphansi kweminyaka engama-50 bazwakalise ukubamba iqhaza kulezi zifundo ukuthola ukwelashwa okusha yesifo esithile, futhi abangaphezu kwamaphesenti angama-20 bakwenza lokho ukuthola ukunakekelwa nokunakekelwa okwengeziwe.

Labo abadala kunama-50 babenamathuba angaphezu kokuphindwe kabili okubamba iqhaza ezivivinyweni zokwelashwa ukusiza ucwaningo lwesayensi, uma kuqhathaniswa nalabo abangaphansi kweminyaka engama-50; futhi babencane amathuba okukhombisa ukukwenza ngemali. Iqembu le-50-plus nalo lalinethuba elikhulu lokubamba iqhaza ezivivinyweni zokwelashwa ukusiza abanye okungenzeka ukuthi bagula.

Ngenkathi labo abangaphansi kweminyaka engama-50 bevuma ukuthi babamba iqhaza kaningi empilweni yabo, babenjalo mancane amathuba okuthi ubambe iqhaza esivivinyweni sasemtholampilo futhi uma kuqhathaniswa nalabo abaneminyaka engaphezu kwengu-50.

Abahlanganyeli Besikhathi Esizayo

Siphinde sahlola abantu abayi-139 abangakaze babambe iqhaza esivivinyweni somtholampilo ukukala ukuzimisela kwabo ukubamba iqhaza ngokuzayo. Kulabo abavunyelwe, Amaphesenti angama-92 angabheka isivivinyo somtholampilo ngesikhathi esithile empilweni yabo.

Ngaphezu kwengxenye yesithathu yalabo abaphendule kahle, inhloso yabo eyinhloko kwakuwukusiza ucwaningo lwesayensi, futhi ngaphezu kwamaphesenti angama-26, kwakuwukuthola ukwelashwa okusha sha. Ngaphansi kwamaphesenti ayi-10 angayenzela imali.

Umhlahlandlela Wakho Wezinkinga Zezempilo

Kusuka kwabaphilile, abafuna ukuqhubekisela phambili ucwaningo lwesayensi ngenxa yabanye, kulabo abatholakala benezifo ezinjengomdlavuza abafuna izindlela ezintsha nezintsha kakhulu ezitholakalayo, abantu abaningi ababamba iqhaza ezivivinyweni zokwelashwa abanalo nje ulwazi oluhle kepha futhi bangacabanga ukuphinda bakwenze futhi.

Uma unezinkinga zezempilo noma ufuna imininingwane ethe xaxa ngezinqubo ezintsha zezempilo, vakashela i-Healthline.com. Njengesiza sezempilo sabathengi esikhula ngokushesha kunazo zonke emhlabeni, inhloso yethu ukuba ngumlingani wakho othembekile ekuphishekeleni indlela yokuphila enempilo. Ukusuka ekwehliseni ubungozi bokuthola izifo ezinjengomdlavuza ukuhlala nokuwelapha, i-Healthline ingumhlahlandlela wakho wokukhathazeka kwezempilo kwanamuhla. Sivakashele ku-inthanethi ukuze ufunde kabanzi.

Indlela yokusebenza

Sihlolisise ababambiqhaza bezivivinyo zokwelashwa eziyi-178 kokuhlangenwe nakho kwabo. Ngaphezu kwalokho, sibuze abantu abayi-139 abangazange babambe iqhaza esivivinyweni somtholampilo ngemibono yabo ngale ndaba. Lolu cwaningo lunamaphesenti we-8 wephutha, kubalwa kusuka ezingeni lokuzethemba elilinganisiwe, usayizi wabantu, kanye nokusatshalaliswa kwempendulo.

Isitatimende Esifanele Sokusetshenziswa

Njengezivivinyo zokwelashwa, siza abafundi bakho ukuthi bayiqonde kangcono le ndaba ngokwabelana ngokuqukethwe kwethu ngezinjongo ezingezona ezentengiso kuphela. Ngicela unikeze isikweletu esifanele kubacwaningi bethu (noma ababhali baleli khasi).