Mumaguta ose ehondo, iwe uchapfuura mazamu akawanda, mabhizimusi anotangira mberi, uye kushandiswa kwevatengesi vemotokari "pasina chikwereti chaidiwa zvikwereti" kutenga motokari dzavo.
Aya mabhizinesi, ose mukati memharavha yepamusoro yeboka rehondo chero ripi zvaro riri kutarisa kune vechidiki vechiuto vane mubhadharo wakasimba vasinganzwisisi nehuwandu hwekukwereka kwezvikwereti pamhando idzi dzezvikwereti.
Pane tariro yevanhu vanofunga kushandisa mabhizinesi aya - The Navy-Marine Corps Relief Society.
Iri sangano risina purofiti rinopa mhuri dzeNavy neMarine Corps dzine rubatsiro rwemari uye chikwereti chisingabatsiri panguva yematambudziko emhuri.
Hondo uye Air Force zvakare ine Army Emergency Relief Society uye Air Force Relief Society kubatsira mashare uye airmen kuwana zvikwereti zvemarudzi ose emari mamiriro ezvinhu.
Aya mapurogiramu anopa mhuri dzechiuto chimwe chimwe pamusoro pemabhizimisi e "quick-cash" uye avo vanozopedzisira "vakavhengetedza" mukusagadzikana kwekubhadhara mari yakawanda.
Icho chisarudzo chisina kunaka kushandisa shanho yepamusoro yekutengesa mabhizinesi. Funga nezvemauto ekuyamura anotanga, nokuti kana iwe uchienda kwekambani yemari, vakakuvhara muhuwandu hwechido chakanyanya kuoma kusangana nemitoro yemwedzi.
National Consumer Law Center (NCLC) Rubatsiro
Steve Tripoli, mutauriri wekutengesa neNational Consumer Law Center, akapomerwa "mari yakakurumidza" vatengi vekutarisira nhengo dzebasa uye veterans nekururamisira zviito.
NCLC yakabudisa iyo nhamba yepamusoro-66 musi iwoyo, unoti, "Munzira yeHarm - Pamba: Vatengesi Scams uye Direct Targeting yemasoja eAmerican uye Veterans." Pakati iri sangano risina bumbiro rinobatsira rinogadzirisa nyaya dzevatengi, kunyanya iyo inobatsira vanotenga mari shoma.
Aya mabhizimusi emakwereti ari kushandisa zvinyengeri zvinopesana nehurumende mitemo yemitemo yeChokwadi muLending Law, yakagadzirirwa kuudza vatengi vemari iyo chikwereti chichabhadhara.
Uyewo, dzakawanda zvezvikwereti zvinokweretesa zvakanyanya zvinogona kuputsa mitemo yehurumende inorambidza kuita zvisina kururama, unyengeri uye dzimwe nzira dzounyengeri mumusika.
"Ivo (nhengo dzebasa) vari pasi pekukombwa nemabhizimisi aya," akadaro Tripoli. Akafananidza pfungwa yake nehurukuro yemashiripiti yakaratidza kuti zvakasiyana sei zvakachengetwa mari-zvishoma, mabhizimisi anotsvaga mari, uye mabhizimisi emagetsi epa-autwn aive akagadzira dare mumugwagwa mukuru unoendesa kuM Kings Bay Naval Submarine Base, Ga.
"Ndeipi yakaipa iyo vanhu vebasa vanowira nokuda kwayo?" Zvechokwadi nokuti vanodhura mari yavo, pane dzimwe nguva, "akadaro. "Asi hazvisi zvakaoma kuita kana mubhadharo wako wakadzika uye iwe uri muduku uye usingazivi," akadaro.
Tripoli inoti varwi "vanowanzoshungurudzika" kune vanokurumidza-mari vanokweretesa nekuda kwehupfumi nehuwandu hwevanhu.
"Vanhu vekushumira vanoyevedza zvinokanganisa nokuti ivo vaduku, mari yavo inobhadhara inobva kune imwe nzvimbo yakasimba - hurumende yeUnited States; Havasi kuzokanganiswa uye zviri pachena kutarisana - kunyanya vaduku - - mamwe matambudziko emari kare muupenyu, "akatsanangura kudaro.
Munguva iyi, kuti vaite zveuto varambe vachikwereta mari, Tripoli vakaona kuti vazhinji vanokweretesa vanopa mabhizinesi avo mazita anonzwika zvehondo.
Avo vakataurwa mumushumo vanosanganisira mazita akadai sePioneer Military Lending, Veterans First Financial Service, American Military Debt Management Service uye Mashandisirwo Emasoja eArmed. Tripoli akati mazita akadaro anowanzoita kuti vanhu vafunge kuti makambani aya ari kutarisira kune mauto. Havaiti!
"Vanokanganisa mabhuku avo ekutsvakurudza nemashoko ekutarisira mhuri dzehondo," akadaro. Akawedzera kuti zviziviso mumapepanhau emapepanhau anotungamirira nhengo dzebasa kuti vatende kuti mapepanhau aya ehurumende mapepa ehurumende kana zvisiri izvo, haaiti.
Maererano nemushumo uyu, chii chinowanzoitika pamabhizimisi anopa mari kufambira mberi pakuchengeta pachedu, kana kubhadhara zvikwereti, uye vamwe vanowanzovanzwa sefoni-kadhi, Indaneti uye makambani anotengesa-mabhizimusi ndeyekuti vanokwereta mari shoma shoma kwenguva shomanana zvakanyanya interest rate.
Usati Uwire nekuda Kwemhando iyi yekunyadzisa
Bhizimisi rinonzi Florida Internet rinopa vashandi varo mutsara wezvishoma-nguva yezvokugadzirisa zvingasarudzwa mukutsinhana kwekunyora kweInternet service.
Imwe nzira yakasarudzwa ndeye $ 480 rebate apo vatengi vanozvipira kushanda yeInternet yegore. Mari inodarika $ 80 vhiki mbiri mbiri, inotsvaga kubviswa kubva kubhengi yevashandi kana kukwereta kadhi rechikwereti, kwemaawa masere ekushanda. Uye Indaneti inogona kuwanika chete panzvimbo yekambani yezviteshi zvemasitadhi.
Apo NCLC vatsigiri vakashanyira makambani maviri, vakawana zvigaro zvina, zvikamu zviviri kumakambani ose. Zvisinei, hapana yemakombiyuta yakashandiswa, Tripoli akati.
Kunyange zvazvo kuwanikwa kweIndaneti kusingagumi pamakombiyuta epamba kunogona kutengwa ne $ 20 pamwedzi, mushumo unoti vatengi vanotenga $ 480 rebate sarudzo vachaguma vachibhadhara madhora 2,080 ($ 173.33 pamwedzi) kwegore risina basa (maawa masere kwevhiki mbiri). Chigumisiro: Mari yeR $ 480 iyo inodhura madhora 173.33 mwedzi mumwechete kwegore rimwe inoshandurwa kuva 421.6 muzana gore roga roga peresenti.
Mashoko acho akati makambani ekutengesa kadhi-foni anoshanda nenzira yakafanana. Mune rimwe muenzaniso, kambani iri pedyo neMarine Corps Base Camp Lejeune, NC, yakatengesa nhengo dzekadhi-foni dzinopa pakarepo $ 300 mari yakadzoka shure rebate. Mukutsinhanisa, akakwereta anobvumirana kutenga maminitsi mazana matatu emakadhi efoni paanodhura madhora 67.50 kwevhiki mbiri, kana $ 135 pamwedzi pamusoro pegore rakatevera.
Tripoli inoti izvi zvinoreva kuti $ 300 rebate inosvika 533 muzana gore rega rega rega.
Vatengesi vanoshandisa makambani ekutengeserana mabhuku-kambani kuti vafambise mari havawanzoshandisa kambani makamboni akabudiswa nekambani mukutsinhanisa mberi, Tripoli akacherechedza. Uye anoti zvibereko zvakapiwa nemakambani ekutengeserana mabhuku "zvakakwirira kwazvo" uye "zvepasi pasi." Akawedzera zvigadzirwa zviri pasi pekutakura zvakanyanya uye kushandiswa kwemhosva dzinoita kuti kutenga kusakosha.
Mutsara uyu unotarisa vanhu vanozvidzivirira pamutambo wepa-pawn vanopa zvikwereti zvenguva pfupi zvakakosha pamotokari yemotokari, vachishandisa musoro wayo sekutora. Muzviitiko zvakawanda, kana uyo akwereta asina kukanganisa pane chikwereti, uyo anokweretesa anotaura motokari yacho zvishoma chikamu chaicho.
Yeuka, kana mari yawakapiwa "yakanyanya kunaka kuti irege kuva yechokwadi - zvichida iri." Usaputsika nekuda kwemari nyore nyore kusarudzwa. Tarisa neketani yako yekutanga murairo uye uwane mamwe mazano ezvemari kubva kuvashandi vari chikamu cheboka rechiuto.