Nzira Yokudzivirira & Stop Employers kubva Kubata yako Pay
Hurumende yehurumende (uye yevateresi vatengesi) inogona uye ichagadzirira mibairo. Kune vashandi vehurumende vane zvikwereti seWorkord uye PLUS zvikwereti, hapana chikonzero chekutongwa kwepamutemo pamusoro pako - zvigadziro zvinobvumirwa "zvepamusoro," (asi vateresi vega vega vanodikanwa kukutorai muchibudi).
Havasi vadzidzi chete vari pangozi: vabereki vakatora chikwereti kuvana vavo - uye chero munhu akaisa chikwereti chomudzidzi kune mumwe munhu - angaonawo mubayiro wakagadzirirwa.
Zvinosuruvarisa, vazhinji vanobhadhara chikwereti (iyo kambani yaunotumira chikwereti kune) haakupei ruzivo rwakakwana pamusoro pekuti ungamisa sei kugadziriswa kwemari nekuda kwezvikwereti zvevadzidzi. Vangave vasingazivi kuti zvese zvamunosarudza ndezvipi, uye kazhinji havana kukurudzira kushandisa nguva vachikubatsira kuona zvinhu zvose.
Kunze kwekutora mari yako, Dhipatimendi reZvondo rine dzimwe nzira dzekuunganidza pane chikwereti chemudzidzi, kusanganisira kubhadhara mitero yekubhadhara mutero, kuderedza zvikwereti seSocial Security, uye kutora zvinhu kubva kumabhengi ako ebhangi .
Nzira Yekudzivirira Kushongedzwa Kwemarikidzi Evadzidzi
Vatengesi vanowanzokoshesa mibairo mushure mokunge vaedza kuunganidza vachishandisa dzimwe nzira. Uchawana mail yakawanda (magetsi uye yekare-kare) kukuudza kuti unoda kubhadhara.
Nguva dzose zvakanakisisa kuramba uchikurukurirana nevakweretesi, kunyange iwe usingagoni kutumira mari. Zvichida iwe uchaziva zvaunotarisira uye zvaunosarudza.
Peji ino inonyanya kutaura nezvevadzidzi vezvikwereti. Kana iwe uine zvikwereti zvemari , zvingasarudzwa zvingave zvakasiyana.
Tichavhara zvakananga zviri pasi apa, asi pakuona kwekukurumidza, kune nzira dzinenge dzingadzivirira kana kumira kugadziriswa:
- Kunda kunzwa
- Simbisai mudzidzi wako chikwereti muchikwereti chitsva
- Mari yekuvandudza
- Bhadhara chikwereti (kana kuti zvishoma kupinda muchibvumirano chekubhadhara)
Kana iwe usingaiti chinhu, hurumende yehurumende inogona kungotanga kutora 15% yebhadharo yako imwe neimwe yekubhadhara kusvikira chikwereti ichibhadharwa kubva uchishandisa Hurongwa Hwekugadziriswa Kwemari (AWG).
Tsamba
Pamberi pekugadzirisa chaizvoizvo kunotanga, Dhipatimendi reZvondo rinofanira kukuzivisa iwe nezvechinangwa chokugadzirira mubairo wako. Iwe uchawana tsamba mazuva makumi matatu isati yasvika iyo inopa mashoko anokosha. Kana ukawana chiziviso chechinangwa:
- Verenga tsamba nokukurumidza sezvinobvira - unofanirwa kuita nekukurumidza kudzivirira kugadzirisa kubva pakutanga
- Verenga ruzivo rwakanyatsonaka - rinotsanangura kodzero dzako
- Iva nechokwadi chokuti chikwereti chakarurama uye kuti mari yacho yakarurama
- Taura nemutengi wako kuti akurukure chero nzira dzakasiyana dzekuwana iwe
- Ongorora zvaunogona kusarudza (kusanganisira kubatanidza muchikwereti chitsva, asi chenjerera nezvekufamba kubva kumusangano wevadzidzi kuchikwereti kune mumwe munhu anokwereta)
- Gamuchira rubatsiro kana uchida-taura nemunhu anopa chikwereti chikwereti kana kuti gweta
Tsamba yako icharondedzera kana nguva yekushongedza inotanga, chero nguva yekutonga, uye kuti ungawana sei zvakawanda pamusoro pekwereti chako. Kana iwe usingapindure mberi kwemazuva ekupedzisira (kazhinji mazuva makumi matatu), zvishongo zvichaenderera mberi.
Zvisinei, iwe unogona kugara uchitsvaga pashure, shure kwekugadzirisa kwave kutanga - kana iwe uchikunda kunzwa kwako ipapo kugadzirisa kuchaguma.
Tora Nyaya yako
Kuti udzivise mubhadharo wako kubva pakugadziriswa, kukumbira kunzwa neDhipatimendi reZvondo. Izvi zvinokupa mukana wekutsanangura rutivi rwako rwezvinhu uye kuratidzira zuva rokutanga rekugadzirisa kwako. Kune nzira dzakawanda dzekubuda kunze kwekugadzirisa (urongwa huri pasi apa hune zvimwe zvekusarudza kwako, uye pangave nevamwe).
Dambudziko: kugadziriswa kunorongwa kunogadzira "dambudziko rakawandisa mune zvemari" kwauri kana kune vako vanovimba navo. Iwe uchada kupa zvinyorwa, nemashoko nezvemari yako, kuitira kuti uratidze kuti uri kutarisana nenhamo.
Basa: wave uri mubasa rako razvino kwemwedzi isingapfuuri gumi, uye iwe wakanga uchibviswa zvachose kubva pabasa rako rekare (rakabviswa kana rakarambidzwa, somuenzaniso).
Kushungurudza: iwe munguva ichangobva kuiswa nokuda kwekubhadhara, kana chikwereti chakataurirwa ne bankruptcy kakato.
Kwete chaipo: iwe unokwereta chikwereti, iwe uri kutora chikwereti, kana uri kutora purogiramu yekubhadhara pamwe nemari yako servicer (uye iwe uripo pane izvo zvikwereti). Chikwereti chako chinogonawo kukodzera kukanganwirwa kana wakashanda mubasa revanhu kwemakore anopfuura gumi. Mune zvimwe zviitiko, wakambovhiringidzika nemumwe munhu nekuda kwekanganiso.
ID kuvhara: iwe hauna kutora chikwereti - mumwe munhu akashandisa zita rako uye Nhamba yeNyika yeKachengeteka inonyengera.
Simbisai Mari
Kana iwe usingakwanisi kukunda kunzwa, kusungira chikwereti chako chemudzidzi ndeimwe nzira yekudzivirira kuvezwa kwemari (kana kuti kudzivisa kuti irege kuitika pakutanga). Kubatanidza kunoitika apo iwe unowana chikwereti chikuru kubhadhara zvikwereti zviduku zvishoma . Zvadaro, iwe unongotora mwedzi mumwe chete kubhadhara kusvikira chikwereti chapera. Zvechokwadi, iwe hausi kunyatsoderedza chikwereti chekwereti - iwe unongotenderera.
Kubatana kunobatsira sei? Iwe unogona kukwanisa kuwana mari yakaderera (inodhura) yokubhadhara mwedzi mumwe nomumwe - zvinoshamisa pakudzika mune dzimwe nguva. Uyezve, iwe uchava nekwereti itsva mutsva muhumi hwakanaka panzvimbo yezvikwereti zvako zvekare zvisingakoshi. Kuti uratidze chikwereti icho chave chisipo, Dhipatimendi reZvikoro inoda kuti iwe ushandise chikwereti chekubatanidza nemusarudzo yekubhadhara mari inotora mari (kana kuwana chibvumirano kubva kune waunokweretesa ikozvino), zvakadai se:
- Chengetedza Sezvaunowana Purogiramu Yokubhadhara (PAYE)
- Mari Inobhadharwa Kubhadhara Mari (IBR)
- Mari Inobhadharwa Kubhadharwa (ICR)
Kuwana chikwereti nebhadharo yakakosha kunokubatsira kuti uende kunze kwekugadzirisa, uye inokuisawo mumugwagwa kuti uwedzere mari yechikwereti . Chikwereti chako chinowedzera kuburikidza nebhadharo rakabudirira, saka iwe uchadzikisa zvishoma nezvishoma chikwereti chako . Ingova nechokwadi chekubhadhara yako yose panguva, uye taurirana nemutengi wako kana iwe uine dambudziko rokubhadhara. Vanogona kukwanisa kugadzirisa zvikwereti zvako, kana iwe unogona kukodzera kugadziriswa kana kushivirira .
Kana ukasarudza kusimbisa, chenjerera nezvekubuda kunze kwehurumende yemari yechikwereti uye muzvikwereti. Zvikwereti zvehurumende zvine zvimwe zvikomborero izvo zvichange zvisati zvaenda zvakanaka kana iwe ukabuda kunze kwehurumende yehurumende - uye kazhinji isiri pfungwa yakanaka yekurega izvozvi. Zvisinei, vamwe vateresi vega vanopa mazwi anoyevedza , saka iwe uchafanirwa kuongororisa ngozi uye mararamiro emhando dzose dzezvikwereti.
Mari yekudzorera
Nekugadzirisa zvikwereti, iwe uchachengetedza zvikwereti zvako zviripo - asi iwe uchazvibvisa kunze kwekunge watanga kudzokera kune imwe nzira nebhadharo. Chikwereti chako chinopera mushure mekunge uenda mazuva makumi maviri nemaviri pasina kubhadhara, uye iwe unorasikirwa nemvumo kune zvimwe zvikwereti (sekuregererwa, kushivirira, uye kukanganwirwa) asi zvisiri izvo.
Kazhinji iwe unofanirwa kubhadhara mwedzi miviri uchibudirira kuti ubvise zvisizvo. Zvisinei, iwe unogona kurega kuva nemubairo wakagadzirirwa mushure mokubhadhara mairi mashanu akabudirira (chikwereti ichicharamba chiripo kusvikira iwe wapedza chirongwa chekudzorera, asi angave aripo iwe waunoshandira achamira kubvisa mari kubva mubhadharo yako).
Iyi nzira inogona kuva yakaoma kana mari yakaoma. Iwe uchanyanya kuita mitsara miviri pamwedzi pane chikwereti chako chemudzidzi: kuchenesa kunotorwa kubva pamubhadharo wako, uye kubhadhara kunodiwa kubva kwauri pasi pechirongwa chekudzorera - kuvehwa kunoverengwa zvakasiyana. Pachiedza chakajeka, zvinogona kuti kubhadhara kwako kwekudzorera kuchave kwakanyanya (kuderera ne $ 5, zvichienderana nemari yako).
Taura nemari yako servicer kuti utange kugadziriswa. Sezvaunoita kudaro, kurukurai zvinoitika mushure mekudzorerazve - mari yako yakawanda sei, uye pane imwe nzira zvirongwa zvekubhadhara zviripo?
Bvisa Chikwereti
Chinhu chokupedzisira ndechokubhadhara chikwereti - kana kuti kupinda muchirongwa chekubhadhara chinogutsa chikwereti chako, loan servicer, kana sangano rekuunganidza. Zvechokwadi, dai waiva nemhando yemari iripo, iwe haungasviki, asi nguva dzose zvinogoneka kuti mamiriro ako akachinja kana wako chikwereti anoda kushanda newe.
Employer Behavior
Zvinhu zvinogona kunge zvisinganzwisisiki pabasa (muchidimbu), asi hazvifanirwe kuva chinhu chikuru.
Kana mushandi wako akawana murairo kubva kuDhipatimendi rekudzidza kuti agadzire mubairo wako uye kubhadhara chikwereti chako chemudzidzi, wako waanoshandira anoda kungoita. Zvisinei, mushandirwi wako haagoni kukupisa iwe nekugadzirisa imwe chete kubva pamari yako (kana iwe uchikwereta pamatare akawanda kana zvikwereti, zvinogona kuti iwe unogona kugumisa, asi mitemo yakasiyana kubva kune imwe nyika kuenda kune imwe nyika).
Kuchengeta mubairo wako kunoita basa rakawedzerwa kune vashandi, asi basa harisi kunze kwehuwandu hwemabasa avo ezvisikwa. Vashandi vanogona kubvumirwa kubhadhara mari shoma pamubhadharo mumwe nomumwe, asi havagoni kusarura, uye havagoni kugovera ruzivo nezvekugadzirisa kwako nevamwe vashandi (iyi nyaya yepachivande, uye vashandi vanotarisana nemigumisiro yakaoma mukuputsa mutemo).
Zvichipa zvose izvi, usatarisira kuti waunoshandira afare pamusoro pokugadzirisa mubairo wako kana kuti unobatsira zvikuru kana une mibvunzo. Usazvitora iwe pachako - pane mukana wakanaka wekuti mitsara yako yepayina haina mhinduro dzauri kutsvaga (nokuti hazvizivi), uye wako wako anonetseka pamusoro pekutaura chinhu chakaipa uye kupinda mumatambudziko epamutemo .