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Maqaalkan ku akhri English, Spanish, ama Hmong.
Illaa iyo badhatamihii Maarso, in kabadan 380,000 oo qof oo degan Minnesota ayaa dalbaday kaalmada la siiyo dadka shaqo la’aanta ah, taas oo cadayn aan la inkiri karin u ah saameynta ay aafadan koronafayras-ka (coronavirus) ku yeelatay dhaqaalaha.
Illaa iyo wakhtigaas, dowladda faderaalka iyo midda gobolkuba waxay durbadiiba sameeyeen barnaamijyo cusub iyaga oo kuwii horay u sii jirayna ay sii balaadhiyeen si loogu gargaago dadka dhaqaale ahaan ay musiibadan saameysay.
Hoos waxaad ka helaysaa tusmo kooban oo ku saabsan deeqaha, deymaha iyo kaalmooyinka kale ee ay heli karaan dadka cawimaada u baahan.
Shaqadaydii ayaan waayay markii ay musiibadan dhacday. Ma dalban karaa kaalmada la siiyo dadka ay ku dhacday shaqo la’aantu?
Si aad xaq ugu yeelato kaalmada caymiska ee la siiyo dadka ay ku dhacday shaqo la’aantu, wa in shaqadii lagaa caydhiyay ama saacadihii aad shaqayneysay aad loo yareeyay adiga oon wax khalad ah galin. Haddii shaqadii lagaa caydhiyay sababo la xidhiidha khaladaad aan ula kac ahayn oo aad samaysay, ama xirfaddaadii oon loo baahanin, waxaa laga yaabaa in aad wali xaq u yeelato kaalmada la siiyo dadka ay ku dhacday shaqo la’aantu. Gobolka ayaa dhibaatooyinka uu keenay COVID-19 ku daray liiska sababaha uu qofku ku dalban karo kaalmada la siiyo dadka shaqo la’aanta ah.
Lacagta lagu siinayo ayaa ku salaysan lacagtii aad qaadan jirtay 12-kii bilood ee ugu danbeeyay waana qiyaastii boqolkiiba 50 lacagtii aad qaadan jirtay xilligaas, ugu badnaana waxaad heli karaa $740 usbuuciiba. Halkan ayaad ku xisaabin kartaa lacagta laga yaabo in lagu siiyo.
Intaas waxaa sii dheer, dhammaan dadka shaqo la’aantu ku dhacday in ay helayaan $600 oo siyaado ah usbuuciiba, lacagtaas oo ka imaanaysa dowladda faderaalka ah taas oo soconaysa laga billaabo Maarso 29-keeda ilaa Juulaay 31-deeda. Lacagta $600 ee siyaadada ah waxay qayb ka tahay $2 tiriliyan oo ah sharciga gargaarka koronafayras ee uu Kongareysku ansixiyay, Madaxwayne Trump-na uu saxiixay bishii hore.
Si aad wali xaq ugu sii lahaato in aad qaadato kaalmada dadka shaqo la’aanta ah waa in aad raadisaa shaqo u qalanta xirfaddaada, diyaarna aad u noqoto in aad shaqayso marka ugu horaysa ee fursad shaqo ay soo baxdo. Reer Minnesota ayaa lagu boorinayaa in ay kaalmada shaqo la’aanta dalbadaan, iyaga oo ka buuxinaya Wasaaradda Shaqaaleynta iyo Horumarinta Dhaqaalaha (DEED). Waxaa kale oo dadka lagu boorinayaa in ay online ku buuxiyaan.
Waxaan ahay qof iskii-u-shaqayste ah, hadana shaqo la’aan ah sababta koronafayras darteed. Xaq ma u leeyahay kaalamada la siinayo dadka shaqo la’aanta ah?
Haa. Koronafayras ka hor, dadka iskood-u-shaqaystayaasha ah iyo qandaraasleyda madaxa banaan xaq uma lahayn kaalmada la siiyo dadka shaqo la’aanta ah, laakiinse hadda waxay ku jiraan barnaamij la yiraahdo Kaalmada Shaqo la’aanta Musiibadu keentay (Pandemic Unemployment Assistance), taas oo qayb ka ah kaalmada guud ee dowladda faderaadlku kula tacaaleyso koronofayras. DEED wali albaabada maysan u furin dadka dhawaan xaqa u yeeshay barnaamijkan, laakiinse arrintaas ayay hadda ka shaqaynaysaa iyada oo rajaynaysa in kaalmada la balaadhiyay ay diyaar noqon doonto dhamaadka Abriil.
Haddaba, dadka iskood-u-shaqaystayaasha ah ee shaqo la’aantu ku dhacday ayaa dalban kara Kaalmada Shaqo la’aanta Musiibadu keentay (Pandemic Unemployment Assistance), DEED-na waxaad ka heli kartaa tusaalooyin cad-cad sidii aad u dalban lahayd barnaamijkaas.
Ma si toos ah ayaa u helayaa lacagta dowladda faderaalku ay u soo dirayso dadka?
Iyada oo ay qayb ka tahay xirmada gargaarka ee faderaalka, ayaa Kongaresku wuxuu ogolaaday in hal mar dadka waaweyn la siiyo lacag gaaraysa $1,200, carruurta da’doodu ay ka yar tahay 17 sano ee waalidkood la noolna la siiyo $500. Waaxda Ururinta Dakhliga Gudaha (IRS) ayaa go’aaminaysa haddii aad xaq u leedahay iyo inta ay la egtahay lacagta aad helayso, iyada oo tix raacaysa canshuur-xarayntii aad samaysay 2019 ama tii aad xaraysay 2018.
Haddii aad canshuurta xaraysay labadaas sano midkood, waxba ma samaynaysid in aad sugto in ay lacagtu kuu soo dhacdo mooyee. Jeegaga la soo dirayo ayaa wakhti badan qaadanaya in lahelo markii loo fiiriyo lacagta tooska ugu soo dhacaysa koontada xisaabta bangiyada. Hadii aad u baahantahay in koontada xisaabta bangiga aad IRS-ta ka samaysato,, halkan ayaad ka samaysan kartaa.
Waxaa waajib ah in aad leedahay lambarka damaanada bulshada si aad lacagtan xaq ugu yeelato. Mana noqon kartid qof ku tiirsan qof kale.
Waxaan ahay ganacsade, yareeyayna saacadihii shaqada, dhimayna shaqaalihiisii, walina dhibaato ay haysato. Halkee ayaan ka dalban karaa kaalmo?
Markii la fiiriyo magaalada Minneapolis ahaan, hadii ganacsigaagu ay 20 qof ka shaqeeyaan ama in ka yar, dakhliga ku soo galana uu yahay $1 milyan ama ka yar sanadkii, waxaad dalban kartaa deyn aan dulsaar lahayn oo u dhaxaysa $5,000 ilaa $10,000.
Gobal ahaana, DEED ayaa bixinaysa deyn deg-deg ah oo aan dulsaar lahayn oo la siinayo ganacsatada yar yar, taas oo u dhaxaysa $2,500 ilaa $35,000. Kaalmadaas halkan ayaad ka dalban kartaa.
Faderaal ahaana, Kongareyska ayaa ansixiyay dhawr barnaamij oo loogu talagalay in lagu kaalmeeyo ganacsiga, taas oo qayb ka ah sharci dhaqaalo kobcineed oo aad u balaadhan oo loogu tala galay koronofayras-ka. Barnaamijyadaas waxaa ka mid ah Barnaamijka Badbaadinta Mushaarka ee Maamulka Ganacsiga Yar-Yar ee Mareykanka (U.S. Small Business Administration’s Paycheck Protection Program), kaas oo ganacsiga ku kaalmaynaya in ay bangiyada ka helaan illaa $10 milyan, iyo barnaamijka Deynta Musiibada Hoos u Dhaca Dhaqaalaha (Economic Injury Disaster Loans), kaas oo illaa $2 milyan siinaya ganacsiga uu saameeyay koronfayras. Deymahaas waxay leeyihiin dulsaar.
Gobolku wuxuu ka dhigay gancasigayga mid aan muhiim ahayn, amrayana in la xidho, laakiinse waxaan doonayaa in aan dib u furo markii xannibaadan la qaado. Waa maxay waxyaabaha aan isticmaali karo oo igu kaalmeyn kara in aan wali biilashii sii bixiyo aniga oon macaamiil haysanin?
Ganacsiyada xaaladahaas oo kale ku jira waxay dalban karaan barnaamijyada aan kor ku soo sheegnay. Sidoo kale, haddii ganacsigaagu uu ku yaalo St. Paul, gobalkuna uu amray in la xidho taas oo qayb ka ah la tacaalka koronofayras, waxaad halkan ka dalban kartaa lacag dhan $7,500 oo qayb ka ah St. Paul Bridge Fund.
Waxaan ahay milkiile ganacsi oo musiibadan darteed ganacsigiisu u xidhan yahay. Shakhsi ahaan xaq ma u leeyahay kaalmada dadka shaqo la’aanta ah la siiyo?
Milkiilayaasha gacansiga oo hadda ka hor doortay caymiska shaqo la’aanta, bixiyayna canshuurta shaqo la’aanta, xaq ayay u leeyihiin caymiska shaqo la’aanta ee gobolka. Dadka kale ee aan xaqiijin karin in ay xaq u leeyihiin iyo in kale waxaa lagu boorinayaa in ay dalbadaan barnaamijkaas.
Hadda ma awoodo in aan biil caafimaad bixiyo. Halkee ayaan ka heli karaa kaalmo?
Haddii shaqada lagaa caydhiyay oo aad wayday caymiskii caafimaadka, waxaa lagugu boorinayaa in aad fiirisid in aad xaq u leedahay Medical Assistance (MA), ahna sida Medicad oo kale. Haddii mushaarkaagu bishii uu yahay $1,467 ama in ka yar (ama $1,983 qoys leh laba caruur ah, ama $3,013 qoys leh afar caruur ah), waxaad xaq u leedahay MA. Waxaad ka dalban kartaa meesha gobolku ugu tala galay in caafimaadka laga buuxiyo oo halkan ah.
Baadhitaanka Koronafayras ayaa bilaash u ah dadka leh caymiska caafimaadka ee MA, Medicare, MNSure, caafimaadka milatariga iyo caafimaadka ay shaqooyinku bixiyaan.
Waxaa iga dhamaaday caymiskii caafimaadka. Ma dalban karaa caymis khaas ah oo aan ka dalbanayo barnaamijka MNSure dhaxdiisa?
Gobolka Minnesota ayaa furay wakhti khaas ah oo MNSure la iska diiwaan galin karo, taas oo billaabatay Maarso 23-deedii dhamaanaysana Abriil 21-deeda. Qofkii aan haysanin caymis caafimaad halkan ayuu ka dalban karaa. Qofkii xaq u lahaada, caymiska caafimaadka waxaa looga soo billaabayaa Abriil 1-deeda.
Iskama bixin karo kiradii ama deyntii aan guriga ku gatay. Arrintan oo kale kaalmo ma leedahay?
Dadka dakhligoodu uu aad u yar yahay ee degan St. Paul waxaa laga yaabaa in ay xaq u yeeshaan kaalo dhinaca kirada ah. Qoys ka kooban afar qof oo degan St. Paul, sanadkiina ay soo gasho $40,000 ama ka yar, wuxuu dalban karaa $1,000 oo ay isaga bixin karaan kirada ama deyntii guriga ay ku gateen taas oo ay ka dalbanayaan St. Paul Bridge Fund. Sidaa si la mid ah,, dadka degan Minnepolis ayaa iyagana kaalmo ka dalban kara Emergency Housing Assistance Program. Qoys ka kooban afar qof oo sanadkii samaynaya $30,000 ama in ka yar ayaa xaq u leh $1,500 oo kaalmo ah, iyo illaa $2,000 oo loo fiirinayo xaaladaha adag ee dadku ku jiraan.
Milkiilayaasha guryaha oo guryahooda ku iibsaday barnaamijyada daymaha ah ee ay dawladdu kabto sida Fannie Mae, Freddie Mac, or Veterans Affairs, ayaa deymihii ay bixin jireen dib u dhigi kara ugu yaraan 180 maalmood iyada oo wax ganaax ah aysan ka soo gaadhaynin arrintaas, waxayna ku sii darsan karaan 180 maalmood oo kale haddii ay doonayaan. Milkiilayaasha guryaha ee guryahooda ku iibsaday deymo ay ka qaateen bangiyada khaaska ah waxaa laga yaabaa in ay xaq u yeeshaan in ay dib u dhigaan deyn bixinta, waxaana lagu boorinayaa in ay la xidhiidhaan bangiyadaas si ay u waydiiyaan ikhtiyaarka ay haystaan.
Hadii aadan biilashaas iska bixin karin, gurigaaga lagaama saari karo inta lagu jiro musiibadan COVID-19, sida uu amar ku bixiyay Badhasaab Tim Walz.
Hadda ma bixin karo deyntii aan u soo qaatay waxbarashada. Lacag bixintaas dib ma u dhigi karaa?
Haddii aad haysato deyn dhinaca faderaalka ah, deyntaas dulsaar ma fuulayso laga billaabo Abriil ilaa iyo Sebteembar ee sanadkan. Si kale haddii loo dhigo, deyntaada waxbarsho ma kordhayso bilahaas hadii aad doorato in aadan waxba bixinin. Laakiinse deyntii wali waa lagugu leeyahay.
Waxaan ahay sharci laawe. Barnaamijyadee ayaan xaq u leeyahay?
Soo galootiyaasha aan sharciga lahayn xaq uma laha in ay helaan lacagta faderaalka ah ee qayb ka ah kaalmada faderalka ee koronfayras ama kaalmada caymiska ee gobolka ee loogu tala galay dadka shaqo la’aanta ah.
Laakiinse, milkiilayaasha ganacsiga ee aan sharciga lahayn ayaa xaq u leh deynta aan dulsaarka lahayn oo u dhaxaysa $5,000 ilaa $10,000 taas oo kor lagu soo sheegay. Mas’uuliyiinta Minneapolis ayaa sidoo kale ka shaqaynaya lacago yar-yar oo la siinayo daka hoteelada iyo xirfadaha kale ka shaqeeya kuwaas oo ay saameysay COVID-19, gaar ahaan kuwa aan xaqa u lahayn kaalmooyinka kale ee koronafayras.
Soo galootiyaasha aan sharciga lahayn ayaan iyagu xaq u lahayn Medical Assistance. Dowlada faderaalka ayaa ka soo reebtay daaweynta koronofayras-ka khidmooyinka laga yaabo in ay horseedaan in dadka soo galootiga ah loo cuskado sharciyada dhawaan la kordhiyay ee loo arko in soogalootinimadu ay culays ku tahay bulshada kale.
