Tsatirani nambalayi kuti muwonetsere kuti zoperekazo zimagwiritsidwa ntchito bwino
Palibe kukayikira kuti America ali ndi chikhalidwe cha kupereka mphatso. Malingana ndi Lilly Family School of Philanthropy ku Indiana University, mabanja 81 a US adapereka mabungwe opereka chithandizo mu 2012 pa kupereka ndalama pachaka kwa ndalama zokwana $ 900 pa banja. Izi zikutanthawuza $ 228 biliyoni chaka cha 2012, zofunikira kwambiri, zopereka zazikulu ndi zopereka zothandizira palimodzi.
Posankha chisamaliro cha HIV chothandizira, nkofunika kuti muzitsatira nthawi zonse mtima wanu. Koma panthawi imodzimodziyo, ndizofunika kuti musalole kuti mabungwe ochepa-osamvetsetseka apindule nawo. Ndipo, mwatsoka, izo zimachitika-mochuluka kuposa momwe wina angaganizire.
Mu 2012, Federal Trade Commission (FTC) inalembera kulandira madandaulo okwana 1,071,977 kudzera mwa Consumer Sentinel System, yomwe 86,495 inali amphawi ndi zopondereza.
Pamapeto pake, mukufuna kumverera bwino pamene mukupereka ndalama zanu zolemetsa, ndikutsimikiziranso kuti ndalama ikupita kumene mukuyenera kupita. Pofuna kuchita izi, muyenera kudziwa zambiri za chikondi ngati n'kotheka.
Nazi malingaliro ochepa chabe momwe mungakwaniritsire izi:
1. Onetsetsani kuti ndi omwe akunena kuti ali.
Ngati simukudziwa bwino zachikondi, onetsetsani kuti mutsimikizira kuti bungwe la msonkho la 501 (c) la msonkho limaperekedwa. Mungathe kuchita zimenezi pofufuza pa intaneti ku Internal Revenue Services 'Exempt Organisation Select Check Finder kapena kutchula IRS opanda malire pa 1-877-829-5500.
Ngati mumasankha kupereka zopereka zopanda malire, zimakhala zovuta kutsimikizira momwe ndalama zanu zimagwiritsidwira ntchito (ndipo, chofunika kwambiri, zopereka zanu sizingakhale msonkho woperekedwa).
2. Tsatirani manambala.
Kulephera kuwonetsetsa zachuma ndikungokhala osokoneza ndalama. Mchitidwe wa golide wa bungwe lirilonse lachifundo lerolino liyenera kukhazikitsa ma msonkho awo 990 pa webusaiti yawo.
Ngakhale lipoti lapachaka liri bwino kwambiri, iwo amatha kukhala ndi chidwi chodzikweza. Kwa ife, ife tingafune kuti tiwone manambala ife eni, momveka ndi mophweka.
3. Kodi masamu.
Ngati kubweza kwa msonkho kwa 990 kulipo, yang'anani mwamsanga Gawo VII - Malipiro a Maofesi, Akhomwi ndi Atrasti , koma perekani makamaka pa Gawo IX - Ndondomeko ya Zomwe Mukugwiritsa Ntchito . Pano, nkofunika kufanizitsa ndime B ( Mapulogalamu a Zamagulu a Mapulogalamu ) ndi zigawo C ndi D ( Zowonongeka ndi Zowonongeka Zambiri ndi Zowonongetsera Zokambirana ). Izi zidzakupatsani chidziwitso chabwinoko pa zomwe ndalama zanu zikugwiritsidwa ntchito pazinthu zenizeni, ndikulolani kufunsa mafunso ngati ziwerengero zikuwoneka "mwanjira iliyonse". (Pano pali chitsanzo chabwino cha kubwerera kwa msonkho kwa 990. )
4. Samalani ndi chithandizo chilichonse chomwe chimagwiritsira ntchito ndalama zosachepera 50 peresenti pa mapulogalamu.
Kwa ife, timakonda kuyang'anira zopereka zothandiza kupitirira 70%. Ena anganene kuti njirayi ndi yophweka kwambiri, makamaka popeza ena othandizira ayenera kuthandizira zambiri pa zokopa ndalama kuposa ena. Izi zinati, ngati ndalama zothandizira ndalama sizingowonjezeretsa ndalama zowonjezera pulojekiti, ndiye kuti ndizoyenera kuyang'anitsitsa kayendetsedwe ka ndalama za chikondi.
5. Musati muweruze ndi chiwerengero chokha.
Gulu laling'ono lomwe limakhazikitsidwa m'midzi, lomwe limakhala labwino kwambiri pamagulu akuluakulu, sizingatheke kukhala ndi ndalama zomwezo monga bungwe la dziko ndi zopereka za pachaka zopitirira $ 10 miliyoni. Sungani maziko anu a ndalama, koma muziwongolera zomwe mumadziwa komanso / kapena zomwe mumakumana nazo ndi bungwe limenelo. Izi zidzakuthandizani kuti muthandizidwe kwa nthawi yaitali , ndikupindulitsani inu komanso chikondi. Ngati mukuyika kukayikira, nthawi zonse mungagwiritse ntchito momwe ndalama yanu iyenera kugwiritsiridwa ntchito-kaya ikhale yogwiritsidwa ntchito pa mapulojekiti, maphunziro, zopereka zazikulu, ndi zina zotero.
6. Gwiritsani ntchito maulendo a pa intaneti.
Ngakhale kuti sichiyenera kukhala mapeto-zothandizira zonse posankha chisankho chomwe mungasankhe, ma watchdogs a pa intaneti monga CharityNavigator, CharityWatch, ndi GiveWell amapereka zidziwitso zomwe zingathandize kutsogolera chisankho chanu (pamene mukupereka malingaliro osiyana pa zomwe zimapereka chisomo choyenerera ).
7. Samalani ndi bungwe lirilonse lomwe limapereka zopambana 95 peresenti kupita ku mapulogalamu.
Nthawi zina izi zimangopereka ndalama "zopota" zomwe sizikutanthauza kuti zisocheretsa. Ndipotu, 99% imamveketsa kwambiri kuposa 79%, chabwino? Koma, nthawi zambiri, ziwerengerozi zimagwiritsidwa ntchito ndipo zimaphatikizapo zinthu zomwe sizinali bajeti monga ndalama zomwe zimagwiritsidwa ntchito kuti zigwiritsidwe ntchito mtsogolo. Kwa malingaliro athu, 79% omwe timagwiritsa ntchito pa mapulogalamu amawoneka okongola, ndipo atatu okha othandizira odwala omwe timawadziwa adayamba kufika ku 95% ya platinum.
8. Musatenge nyenyezi.
Ngakhale kutenga nawo mbali nyenyezi nthawi zambiri n'kofunikira poyang'ana ndikukweza ndalama zopereka chithandizo, musalole kuvomereza kukhala chiyambi ndi mapeto a kupanga kwanu. Pa chithandizo chilichonse chopangidwa ndi nyenyezi chomwe chimapanga ntchito zabwino monga Elton John Foundation kapena Sharon Stone ndi AMFAR -ndipo pafupifupi ambiri omwe asokoneza kapena kutseka zitseko zawo (kuphatikizapo othandizira olembedwa ndi mpira wa baseball Alex Rodriguez ndi wojambula nyimbo Wyclef Jean). Musalole kuti nyenyezi zikulepheretseni kufunsa mafunso ovuta.
9. Musalole kuti muthamangitsidwe.
Nthawi zonse muzikhala osamala ngati chithandizo chikukufikirani pa nthawi yamakono a nkhani kapena kuti akuyandikira mapeto a galimoto yophunzitsa ndalama. Palibe nthawi ya chaka pamene chikondi sichidzalandira ndalama zanu, kotero palibe chifukwa chofulumira. Mabungwe ovomerezeka ovomerezeka sayenera kutsutsana ndi omwe angapereke ndalama (ngakhale kuti nthawi zina anthu omwe amapeza ndalama zawo) amawathandiza. Mukakhala mukukankhidwa mwaukali chifukwa cha zopereka ndi telemarketer, ganizirani kuletsa mafoni ku National Registry Call.
10. Musapereke ndalama.
Nthaŵi zonse mufunire risiti. Ndipo simunayankhepo kanthu kosafuna khungu, pa intaneti kapena telefoni, yomwe imapempha zambiri za khadi la ngongole, mfundo za banki, kapena zina zilizonse zaumwini.
> Zotsatira:
> Lilly Family School of Philanthropy. "Kupatsa USA: Mphatso Zopatsa Chachikulu Zinagonjetsedwa mu 2012, koma Pang'onopang'ono, Monga Economy." Sukulu; Indianapolis, Indiana; inafalitsidwa pa June 18, 2012.
> US Federal Trade Commission (FTC). "Consumer Sentinel Network Data Book ya January-December 2012." Washington, DC; inatulutsidwa February 2013.
> Goldberg, E. "A-Rod Family Foundation Ikhala ndi 1% yokha pa Zopereka Zothandiza: Lipoti." Thupi la Huffington ; February 27, 2013.
> Adams, G. "Wyclef Jean akuyang'anitsitsa milandu yowonjezera ku Haiti." The Independent ; October 13, 2012.