Iyi Ndiyo Inowanzobvunzwa Mubasa Rekurega Basa
1. Ndirini Pandinofanira Kutanga Kutora Social Security?
Iyo nguva yekutora Social Security mubvunzo iri pamusoro pezveruzhinji nokuti ichisarudzo inenge yose yeAmerica inofanira kuita. Iwe unowanikwa mari shoma pamwedzi kana iwe uchitanga kubatsirwa kare, uye mamwe mari pamwedzi kana iwe uchitanga kubatsirika pane imwe nguva yezera. Vanhu vakawanda vanofunga kuti ichi chisarudzo chakanaka - uye vanotora sarudzo iyo inoisa mari yakawanda muhomwe dzavo mangwanani.
Chisarudzo chisina kunyanya kufanana neizvi chinogona kukanganisa mhuri dzezviuru (mune dzimwe nguva kunyange mazana ezviuru) zvezvipo zvisingabatsiri. Panzvimbo pokuita chisarudzo pamusoro peHurumende kuchengetedzeka pasina humwe mamiriro ako ezvinhu, iwe unofanirwa kutarisa kuti unopindirana sei zvakakwana nezvose zvese zvepurogiramu yako yekubvisa mari, yakadai sekutsvaga kwemari, kurarama kwenguva refu, chido chekuwana mari yakachengetedzwa, mari yehupfumi yaunayo, zvirongwa zvako zvekushanda chikamu-nguva yekurega, uye yako mamiriro emitero.
2. Mari Yangu Ingaguma Rini?
Uyu ndiwo mubvunzo wakajairika wokurega basa, uye zvinosuruvarisa, chimwe chezvinhu zvakaoma zvikuru kupindura. Kuti uzvipindure unofanira kufungidzira zvinhu zvakadai sokugara kwaunenge uchigara, kuti iwe uchapedza mari yakawanda sei, iwe uwandu hupi hwekudzorera iwe uchawana pane yekuchengetedza uye kuisa mari, ndeapi mararamiro ezvokurapa waunotora, uye ndeapi mitero ichava. Kana uchinge wataura zvinhu izvi, unogona kuenzanisa kuti mari yako ichagara kwenguva yakareba sei mukutora basa .
Zvisinei, panzvimbo pokugadzirisa pane "nhamba" zviri nani kuti uuye nemamiriro mashomanana akasiyana anokuratidza kuti ungada sei kana iwe uchidzoka wakaderera, kana iwe ukashandisa zvakawanda. Urwu urongwa hwekugadzirira huchakupa mararamiro ezvokuchengetedza zvinodiwa, zvandinofunga ndiyo nzira iri nani pane kutarisa nhamba imwe chete.
3. Mari Yakadini Ine Yandinoda Kurega?
Kungofanana nomubvunzo wokurega basa pamusoro apa, mhinduro kumubvunzo uyu inobva pane zvakawanda zvakasiyana. Vamwe vanhu vanopedza zvishomanana, vachishanda mubasa rimwe chete muupenyu hwavo hwose, uye vachabva vaenda kune imwe imba yakawanda yepensheni. Vangada mari shoma shoma kupfuura iyo penhesi kuti vatsigire mararamiro akanaka. Vamwe vanhu vanoshandiswa kushandisa mari yakawanda uye vasina penheji. Vachange vachida mari zhinji yekuchengetedza mararamiro avo kana ivo vachada kuwana nzira yekuve neupenyu hunofadza zvishoma. Kana iwe uchida kuuya nemuongorori wezvaunoda zvekubhadhara mari pano pano maitiro mana iwe ungashandisa kuenzanisa kuti iwe uchadirei kubvisa basa .
4. Ndinofanira Kutenga Imari Here?
An annuity is inshutukiti yakagadzirisa mari yako yeupenyu. Kana iwe uine dzimwe nzvimbo dzekuwana mari yakajeka yakadai seSocial Security uye penhesi, uye iyo inowanikwa yakavhara zvizhinji zvehupenyu hwako muhupfumi iwe pachako haufaniri kuva nechido chokutsigira mamwe mari. Zvisinei, kana usina mari yakawanda yakachengetedzwa, zvino zvingava zvine musoro kutora zvimwe zvekuchengetedza kwako uye kuzvishandisa kuti utenge gore rinowedzera huwandu huwandu hwemari inotevera. Ichi chisarudzo, kufanana nechisarudzo chezvemari, ndicho chakanaka chakaitwa sechikamu chepfungwa yakakwana yemari.
5. Ndichapedza Mari Yakawanda Sei?
Vamwe vanhu vanopedza kakawanda kamwe pavakasiya basa; vanofamba kana kuti vanoita zvakawanda mukuzvivaraidza zvakadai segorofu, kutamba, kufambisa ngarava, nezvimwewo. Vamwe vanoona kuti vanopedza zvishoma sezvavasingave vachienda, vachibhadhara kunatswa, kana kudya zvakawanda. Kuti uone kuti iwe ungashandisa mari yakawanda sei mubasa rekugara muutoro ugare pasi uye uongorore mari yako yazvino. Zvino chienzanisa kuti zvinhu zvipi zvingawedzera kana kuderera kuti zviuye nemari yekusarura . Kana wako waunoshandira asingatauri chirongwa chekuchengetedza hutano kune vakasiya mari vozova nechokwadi chekuti iwe unobata mupaimari yehutano yehutano yaunoda kubhadhara kunze kwehomwe.
6. Ndichabhadhara Sei Mari Yezvekurapa Mukurasi?
Medicare Kuchengetwa kwehutano kunotanga pazera remakore makumi matanhatu, asi, pavhareji, inongotarisa nezve50% yehutano hwako hwehutano huripo muhutano . Iwe uchava nehomwe mari yekuchengetedza kwemaziso, mazino, kunzwa, kubhadhara, Medicare Part B premiums, uye premium kune mamwe mazano ekuwedzera inshuwarisi maungatenga seyoMedigap nemitemo yehutano yeperi.
Zvokurapa zvinogona kusiyana zvakasiyana nenzvimbo, asi paavhareji, vanotarisira kupedza anenge madhora 5,000 - $ 10 000 pagore nemunhu.
7. Ndinofanira Kutora Pension Yangu seChikamu Chete?
Pensheni dzakawanda dzinopa mari yekusarudzwa kana yekusarudzwa kunobhadhara mwedzi wemari yeupenyu. Ndinoonawo vanhu vakawanda vanotora chikwereti ichi pasina kunyatsorongedza zvisikwa zvoupenyu zvezvisarudzo zvavanokwanisa. Kana pachitarisa pamusoro pekutarisira hupenyu, kusarudzwa kwegore rinogona kunge iri sarudzo yakanakisisa kudarika chepfu. Iva nechokwadi chekufungisisa nekufungisisa kusarudzwa kwako kwepasheni mushure mehuwandu hwemari yako yese yemari usati waita chisarudzo.