Mashoko Akanakisisa Anotungamirira Kuvandudza Mari Yokubhadhara Chikoro Chevadzidzi Zvisarudzo
Mushure mokunge "Pompump and Circumstance" zvinoguma, vazhinji vepesjiji vapedza kudzidza vane mwedzi mitanhatu kuti vawane hupenyu hwavo hwemari vasati vatanga kudzorera zvikwereti zvevadzidzi . Panzvimbo pokutora nguva ino kutsvakurudza zvavanosarudza, kunyange zvakadaro, vanogadzirisa zvakakwana chero zvipi zvinotengeswa nemari inoshandiswa, kunyange zvazvo inoisa mutoro wemari kwavari.
Zvakanaka kuti zvive nehutano pamusoro pemari yechikwereti chevadzidzi, zvisinei, kupfuura kumirira uye kutora.
Zvikoro zvehurumende zvekubhadhara zvakanyanya zvinoshandisa nzira dzakasiyana dzekubhadhara dzinoita kuti zvive nyore kugadzirisa chikwereti. Dzidza nezvezvinhu izvi zvingasarudzwa zvino, shandisa muverengi wokubhadhara, uye uwane chirongwa chinonyatsokodzera mari yako yakasiyana yakasiyana-siyana:
- Purogiramu Yokudzorera Yakakwana: Iri ndiro chirongwa chekubhadhara icho "chichagoverwa" kwauri kana iwe usingaiti sarudzo imwe. Maripo inotarirwa pamutengo wakatarwa, uye iwe unowanzobhadhara mari iyi kusvika kumakore gumi - kana kusvika kumakore makumi matatu ekubatanidza mari. Kana iwe uchinzwa kuti unokwanisa kuwana mari iyi, kazhinji iyi ndiyo nzira yakanakisisa apo iwe unoziva kuti uchabhadhara zvakadini kwenguva yakareba. Zvose zvakakosha uye chido chaunenge uchiripa ndezvishoma pane zvimwe zvingasarudzwa.
- Dhipatimendi Rokubhadhara Rakapedza Kudzidza: Kana mari yako inofungidzirwa yakaderera pakutanga, asi iwe unotarisira kuti ichawedzera nekufamba kwenguva, izvi zvingave zviri nani. Ikozvino mari yako ichave yakaderera pakutanga uye yowedzera, kazhinji makore maviri. Kufanana neurongwa hwekubhadhara, iwe unowanzobhadhara chikwereti ichi kusvika makore gumi kana kusvika kumakore makumi matatu ekubatanidza mari. Nemhaka yekuti yako yekutanga kubhadhara yakaderedza, kufarira kunowedzera, saka mari yaunenge uchibhadhara pane nguva ichave yakakwirira kudarika urongwa hwese.
- Kuwedzerwa Kwekubhadharwa Kwepurogiramu: Kana chikwereti chako chiri chepamusoro, kana iwe usingafungi kuti bhajeti yako ichagadzirisa mari yakakwirira yekubhadhara, ungada kutarisa kuwedzera nguva yeurongwa hwako hwekubhadhara. Mari yako inogona kugadziriswa kana kupedza kudzidza, asi pano nguva yekubhadhara ichawedzerwa kusvika makore 25. Muzviitiko zvakawanda, unofanirwa kuva nemadhora makumi matatu emadhora emudzidzi chikwereti chikwereti kuti uwane ruzivo rwepurogiramu iyi. Kunyange zvazvo kubhadhara kwako kwemazuva ose kungave kwakaderera, mari yaunenge uchibhadhara ichadzokorora zvakare nokuti iwe uri kuve uri kubhadhara kwenguva refu.
- Revised Pay Pay Sezvaunowana Purogiramu Yokubhadhara (REPAYE) : Izvi hazvirevi kuChinhu Chekubhadhara . Muchirongwa ichi, mari yako yepamwedzi ichasvika kune 10 muzana yemari yako yekuwana. Iyi yakawanda inodzokororwa gore rega rega, zvichienderana nemari yako yazvino uye mhuri yechiyero. Chero chipi nechipi chakakosha chikwereti chemari chikakanganwirwa kana chikwereti chako chisina kubhadharwa zvakakwana pashure pemakore makumi maviri nemashanu kana makumi maviri. Ramba uchifunga kuti iwe unogona kubhadhara mitero yemari pane chero chikwereti chipi zvacho chakakanganwirwa, asi izvi zvingava sarudzo yakanaka kune avo vanofunga nezveHurumende yeMari yekuregerera (PSLF). Iyo inochengetedza chikwereti chiri pasi apo iwe unoshanda pane izvo zvingava basa rekubhadhara zvakaderera pane zvinodiwa nevanhu.
- Sangano-Rakabhadharwa Kudzokorora Purogiramu (IBR) : Izvi zvakafanana nepurogiramu yeRePAYE, kunze kwekuti inosanganisira Kubatanidza Mari. Kana iwe wakaroorana, mari yawakaroorana naye kana chikwereti chako chikwereti chichaongororwa chete kana iwe ukaisa joint joint tax return.
- Mari Inobhadharwa Kubhadharwa (ICR) : Izvi hazvirevi kuKubatanidzwa Kwemari. Muchirongwa ichi, kubhadhara kwako kwemwedzi ndeye mari shomanana ye20 muzana yekusarudzwa kwemari, kana mari yaunenge uchibhadhara purogiramu yekubhadhara nebhadharo yakatarwa makore gumi nemaviri, yakagadzirirwa maererano nemari yako yaunowana.
- Mari Inobhadharwa Kubhadharwa Kwepurogiramu : Kubhadhara kwako kwemwedzi kunowanikwa pamari yegore negore, asi iyo inoshandiswa kugadzirisa mari yekubhadhara inogona kusiyanisa mari inokweretesa. Nguva yokubhadhara inosvika makore 15.
Zvirongwa zvekubhadhara zvinogona kuchinjwa chero nguva. Zvakanakisisa kutaura nemudzidzi wako chikwereti servicer kana une mibvunzo. Zvidzidzo zvakadzidziswa nekoroji yepamusoro zvingavewo zvikwereti zvikwereti zvevadzidzi zvevadzidzi vanenge vava kuda kuenda kuchikoro. Ita zvisarudzo zvakanaka pamusoro pemari yako yekubatsira mari ikozvino, uye iwe ungasava nematambudziko akawanda emari gare gare.