Mari Yako Haisi Chaicho Chaizvo kunze Kwekuti Wakaiswa Zvizere
Vashandi venyu vangave vane rupo nemipiro yeurongwa hwekubvisa mari yako kana kuti chirongwa chako chekutsvaga, asi mari nezvimwe zvikomborero hazvisi zvechokwadi kusvikira iwe wachiteerera purogiramu yekugadzirira chirongwa.
Kusvikira panguva iyo, iwe uchiri kukwanisa kubhadhara zvikomborero zvako.
Chii Chaizvoizvo Kuzvidzivirira?
"Kuzvigadzirira" kunoreva chikamu chako chovhudzi nemari yawakapiwa sechikamu chekurega basa, sarudzo yekutengeswa kana imwe chirongwa chekubatsira. Icho chikonzero chinokanganisa kubva pasinei nokuti iwe ungaona mari mubhuku rako, iwe uchiri kukwanisa kuwana mari iyo (kana imwe rubatsiro) kana iwe ukasiya basa rako nokuti hauna kuiswa mairi.
Kuti ukurudzire kuvimbika kwako, vashandi vanowanzopa michero yavo kumubhedha wako wekusarura kana sarudzo yekutsvaga sarudzo pasi pekupa sarudzo, izvo zvinoreva kuti vanogona kudonhedzera zvipo zvavo pamberi penyu sekarrot - makore akawanda ounoshanda, zvakawanda zvezvipo zvavo zvaunowana kuchengeta. Kana ukasiya, mari yacho inodzokera kune kambani.
Kuvhara hakuiti kune chero mari ipi zvayo yaunozvipa iwe (ndiyo mari yako, uye iwe unogona kuichengeta kana iwe uchisiya kambani).
Chero pose paunopa mupiro kurongwa hwako hwekurega basa kubasa, iwe uri 100% wakapiwa muzvipo zvako. Kuisa sarudzo kunoshanda chete kune mari iyo makambani anopa mairi panzvimbo yako.
Kutsvaga Zvirongwa zvekurega Mari
Kuwana sarudzo kunouya mumitatu mitatu yekutanga:
- Kuzvigadzirira zvishoma: Sezvo zita racho rinoreva, vashandi vane chirongwa ichi chekugadzirira vanowana 100% pfuma yevashandi vavo vanofananidza mari pakarepo painoenda mumabhuku avo.
- Cliff inopa: Cliff inopa zvirongwa kutumira 100% umiridzi kune mushandi mune imwe huru chunk mushure meimwe nguva yebasa (semuenzaniso, gore rimwe). Vashandi havana kodzero kune imwe yemipiro yavo inofanirwa kana vakasiya nguva iyoyo isati yapera. Asi zuva ravanosvika musi iwoyo, vanozvigadzirisa zvose. Mutemo weBurumende unoda kuti mahombekombe apike mahedheni ekugadzirira basa rekurega basa rakadai se 401 (k) kana 403 (b) risingapfuuri makore matatu.
- Kubhadhara zvikwereti: Kubhadhara zvikwereti kunopa vashandi zvishoma nezvishoma kuwedzera upi hwemigiro yakaenzana sezvo nguva yavo yebasa inowedzera, zvichiita kuti 100% ive yavo. Semuenzaniso, purogiramu yemakore mashanu yekubhadhara yakawanda inogona kupa 20% wehupfumi mushure megore rokutanga, uye 20% kune rimwe gore gore rose kusvikira vashandi vawana huwandu huzere (100%) mushure memakore mashanu. Kana mushandi achibva makore mashanu asati apera, anongoramba akachengetedza chete chikamu chemipiro inobvumirana nayo yaanopa. Mutemo weGurumende unoisa makore matanhatu emakore pamarongerwo emari ekubhadhara mari muzvirongwa zvekurega basa.
Kuchengetedza Seduro dzeZvitsa Zvokushandisa
Nzira dzakasarudzwa dzinopa vashandi kodzero yekutsvaga kambani yekambani pamutengo wakatarwa, zvisinei nokuti inotengeswa yeiyo yemari. Tariro ndeyokuti mutengo wemugovera wekutengesa uchakwira pamusoro pemutengo wakatarwa kusati kwasarudzwa kushandiswa, zvichipa mushandi mukana kune purofiti.
Zvirongwa izvi zvinogona kuuya nemhando ipi zvayo yekutanga yekugadzirira.
Muurongwa hwemapanga, somuenzaniso, mushandi anowana kuwanikwa kwezvinhu zvose zvekutsvaga pamusi iwoyo. Muurongwa hwakarongeka, vashandi vanobvumirwa kushandisa chero chikamu chezvavanokwanisa pane imwe nguva.
Kana vashandi, somuenzaniso, vakapiwa zvingasarudzwa pamagetsi zana ane hurongwa hwekugadzira mhepo yemakore mashanu, vanofanira kushanda kwekambani kwemamwe makore mashanu vasati vazokwanisa kushandisa chero chekusarudza kutenga zvikamu. Mune purogiramu yemakore mashanu yakashandiswa, vangakwanisa kutenga zvikamu makumi maviri nemashanu pagore kusvikira vasvika pamapato zana mugore rechishanu.
Nemhaka yekuti zvipo zvizhinji zvekutsvaga zvisizvo hazvisi chikamu cherongwa hwehupfumi hwemushandi, sarudzo dzavo dzekugadzirira hazvirevi nemitemo yakafanana yezvematongerwo enyika iyo inotungamirira zvipo zvinoenderana.
Pfungwa dzekupedzisira pamusoro pekugadzira
Kuti kuderedza kana kunyange kubvisa mukana wekurasikirwa chero ani zvake anoshandira achienzanisa zvipo zvaungakodzero, zvakakosha kudzidza nekunzwisisa purogiramu yekugadzirira nemitemo pane yekambani yako.
Iva nechokwadi chekuongorora imwe nyaya yako ichangobva kuitika yekutaura, taura nemutoro wako wezvigadzirwa zvevanhu, kana chengetedza bhuku rako rekubatsira kuti udzidze zvakawanda pamusoro pese purogiramu yekugadzirira mabhuku ako ekurega mari angave achizviisa pasi.