MuStan The Annuity Man universe, kana iwe usingatsvaki kugadzirisa 1 kana kupfuura yeiyo nyaya 4, saka haufaniri kutora annuity.
Pane imwezve chinhu chinogona kugadziriswa annuity, asi mune dzimwe nyika. Iko inokosha check check box ibasa rekuchengetedza uye chikwereti. Nyaya dzehurumende hadzina mitemo inopa izvi kudzivirirwa pamhosva dzinotyisa uye zviito zvekukweretesa, saka zvakakosha kutarisa nemutemo wemutero munharaunda yako waunovimba kuti uone mutemo wako chaiwo wezvematongerwo enyika pamusoro peiyi nyaya. Kune 2 nheyo dzinoti ine mitemo yakasimba uye yekodzero yekuchengetedza yveshuwarisi yehupenyu uye mari, uye ivo vari Florida neTexas.
Annuity Kudzivirirwa muFlorida
Florida ndeimwe yematunhu ane simba rakachengetedzwa rakachengetedzwa. Izvozvo chaiyo murairo ndewe 222.14, uye inowanikwa seinotevera:
Kuregererwa kwekubhadhara mari mari yema inshuwarisi yehupenyu uye zvibvumirano zvemari kubva pamutemo.
Iko mari yekupira mari yehutano yemishuwarenzi yakabudiswa pamusoro pehupenyu hwevagari vemo kana vagari venyika uye zvinowanikwa kune zvibvumirano zvinopihwa kune vagari vemo kana vagari vehurumende, pamhando ipi zvayo, havafaniri kuve nekodzero yekubatanidza, kugadziriswa kana mvumo yepamutemo inobatsira chero munhu ane chikwereti chomunhu ane hupenyu huri inshuwarisi yakadai kana kune ani zvake ane chikwereti chomunhu anobhadhara chikwereti chakadai, kunze kwekuti bumbiro reinishuwarenzi kana chikwereti chebhengi chakaitwa kuitira kuti chikwereti chakadaro chibudirire.
Ndiyo chaizvoizvo mutemo, shoko neshoko, uye rakanaka rinotsanangurwa. Vanachiremba vakawanda, vanachiremba, vashandi vezvemabhizimisi, uye vamwe vanochengetedza zvakakwana zvinhu zvavo zvose nekubhadhara imba yavo yakazara (uye vanochengetedzwa muFlorida) vozoisa zvinhu zvavo zvose zvisiri zveIRA (zvisina kukodzera) mu annuities. Taura pamusoro pekubhadhara mari bullet uchapupu!
Kudzivirirwa Kwemari muTexas
Texas ine mitemo yakafanana iyo yakasimba seFlorida. Mari inokosha inowanikwa ye annuity kana inishuwarenzi inonzi yakasunungurwa kubva kune chikwereti nemhosva. Ndinorarama munyika huru yeFlorida, uye ndinogara ndichiseka kuti kana Florida yose ichichinja mitemo yavo yekuchengetedza mararamiro, ini ndiri pane imwe ndege inotevera kuTexas. Hey, bhazi dzavo dzakanaka chero zvakadaro!
IRAs uye Account Accounts
Vanhu vazhinji havazive izvi, asi maIRA ega uye maakaiti akakodzera akaita se 401k, 403b, nezvimwewo zvakachengetedzwa zvakakwana kubva kune vane chikwereti uye zvinotyisa zvekare. Zvokudya zvekufungidzira: kana iwe ukaisa mari yako yose isiri IRA mumashandisirwo kana mari yemishonga yemishuwarenzi, ipapo mari yako yakachengetedzwa zvakakwana.
Urongwa hwokugadzirira hunokosha
Mitemo iyi yekudzivirira mari yako inonakidza, asi iwe haugone kushandisa chirongwa ichi kana wapomerwa, kana kana mhosva iri kugadzirira kuitika.
Iwe unofanirwa kuva nechirongwa ichi munzvimbo zvisati zvave nezvinetso zviri pedyo, saka zvakakosha kuti usazvidzivirira kana kuchengetedzwa kwemari ndiyo chinangwa chikuru. Kana mhosva yakashata kana chikwereti ichiva nehasha, unoda kukwanisa kuratidza kuti annuities yakanga iripo nguva refu zvisati zvaitwa. Kana iwe wakamboita izvozvo, saka zvikara izvi hazvina gumbo kuti rimire.
Creditor uye kuchengetedzwa kwemasikirti ndeimwe chikonzero chekuita zvakanaka chikoro chako chekuchikoro paunenge uchitarisa gore. Zvichienderana nehupenyu hupi huri kurarama mairi, pangave kune zvimwe zvingabatsiro zvausina kuziva, uye imwe inogona kuchengetedza zviri pamutemo mari yako yakaoma yakawanikwa.
Verenga zvakawanda kuti ungapedza sei Kubata Kuchengetedza uchishandisa Fixed Rate Annuities
Verenga zvakawanda nezve Fixed Rate Annuities