Mari Ndiro Rwizi Paunenge Uchishanda Uye Imba Chero Kana Waenda Pamba
Kusvikira panguva ino, takafukidzira zvakavanzika zvitatu zvekutanga zvevakasununguka zvikuru. Kudzokorora:
Mari Yakadzama # 1: Sarudza zvaunoda uye kuti mari ichaita sei hupenyu huri kuda kurarama
Mari Yakadzama # 2: Ratidza kuti unoda mari yakawanda sei
Mari Yakavanzika # 3: Bvisa mari yako yekutengesa ... nokukurumidza!
Imwe mari inotevera yakavanzika inobatanidza nekuti uri kuenda sei kuunza mari musuo kana iwe uchingotanga kupinda muhotera. Kunyange zvazvo zvakanaka kuti tive nekubhadharwa kuripo kweW-2 kana kubhadhara isu (semabhizimisi emabhizimisi), tinofanira kushandura mafungiro edu tisati tapinda mukutora basa.
Kana zvasvika pakubereka mari, iri pfungwa yakanaka kubva kune kuvimba pane imwe nzira yekuwana kune vakawanda. Chaizvoizvo, iwe uri kusika sevashandi vakawanda sezvinobvira kuti uuye pamwechete mune rimwe rutsva, rinotarisirwa ruzivo rwakakura. Tarisa pazviri nenzira iyi, mari iri rwizi apo iwe uri kushanda uye gorosi iwe paunenge warega. Iwe unogona kunge wava nemafungiro mupfungwa yako pamusoro pekugona kwaungawana dzimwe nzvimbo dzekuwana mari. Izvi zvinogona kusanganisira mari kubva kumapenheni akawanda, kuchengetedzwa kwevanhu, kubhadharwa mari yebhadharo, basa rekushanda kwemaawa, kana mari yekutsvaga mari yose yakaiswa mune rimwe rwizi rukuru.
Chikamu-Nguva Inoshanda
Kune vazhinji vakasiya mari vangave vakagadzirira kusiya mari yebasa renguva yakazara asi vachiri kufarira kuchengetedza rimwe basa remaawa. Izvi zvinogona kuva ruzivo rwakakura rwemari. Ndinoda kuratidza kuti kune avo vanofarira kushanda nguva-yekuti iwe unotora basa kuita chimwe chinhu chauri kuda.
Zvichida chimwe chinhu chakasiyana zvachose kune zvawaiwanzoita- kana kana iwe uchida zvawaimboita, funga kutora mikana yekutsvaga nguva.
Ndeipi nzira iri nani yekuita mari uye kuramba uchiita zvekuita nekushanda pane kuramba uchibhadharwa zvimwe zvezvinhu zvawakanga uchiita zvakanaka iwe usati watora mararamiro?
Kunyange zvazvo basa renguva yakawanda ringasave rakanyanya kushanda, risina kuchengeteka, uye rinosanganisira zvidimbu zvishoma, ndiyo nzira yakanakisisa yekuchengetedza sarudzo yekuunza mari yekuwedzera yekubhadhara kana basa rako guru rinosvika pakaguma.
Uye rangarira, funga mitozi shomanana, kwete rimwe rwizi rukuru.
Social Security
Vanenge vose veAmerica, kana iwe ukabhadhara mukati memakore ako ekushanda, uchawana rubatsiro rwekuchengetedzwa kwevanhu mune imwe nguva muupenyu hwavo. Maererano nehutachiona hwebasaiti, 9 pavatatu vanhu 65 nekuremba vanowana rubatsiro rwemagariro evanhu.
Social Security haafaniri kutyisidzirwa maererano nehutano hwako hwekurega basa. Kunyangwe nechinangwa chekuchinja pane zvitsva, ndiyo imwe yemvura yaunoda ichiyerera ichipinda muimba yako. Kunyange zvazvo vamwe vanhu vangawana mari shomanana $ 800 pamwedzi uye vamwe vanogona kuwana mari inodarika madhora 3 000 pamwedzi, chokwadi chechinhu chacho ndechekuti rimwe rukova. Uye chikamu chikuru pamusoro pekuchengetedzwa kwevanhu ndechekuti kana ikatanga, unogona kuvimba nemanhamba kuti kazhinji urambe uchienzaniswa zvakafanana nekuwedzera kwakanyanya kunosungirirwa kuhupfumi.
Pension Income
Kwete vanhu vazhinji vane pensions zvakare, saka kana iwe uri pakati pevamwe vane ruzivo, ndizvo zvakanaka! Verengai izvi semumwe ruzivo rwemari. Kana iwe unonetseka kuti pane chimwe chikonzero kambani yako isingakubhadhara mubhadharo yawakakupikira, yeuka izvi: Pension Benefit Guarantee Corporation (PBCG) isangano rehurumende yeUnited States iro rinoshanda kuti ridzivirire mari inotora mari yomutero inopfuura 40 Mamiriyoni evashandi veAmerica mune vanopfuura 26 000 vega vakazvimirira vakarondedzera zvirongwa zvepenjeni.
Iko mikana yokuti penheji ichachinja kana yakashata iri chaizvo yakadzika uye pamwe nechekare shure kubva PBGC, unofanira kunge wakachengeteka. Saka kana iwe uine penhesi, inobatsira uye yakavimbika, uye iwe unogona kufara kuti iende ichipinda mudziyo iro.
Kushandiswa Imba
Imwe ruzivo rwakakura rwemari inowanikwa mari yekubhadhara. Kune nzira mbiri dzaunogona kutora:
1. Chimirira kubvisa basa uye shandisa chikamu chedendere rako mazai kuti iwe uwane mari yekuwana mari.
2. Iva muchengeti wekuvakwa kwemaimba munguva. Zvimwe zviitiko zvakasiyana:
Kana iwe uchitenga imba ye $ 100 000 mune mari uye pasina mari yekubhadhara mari, iwe uchave uchiita madhora gumi nemakumi maviri pagore mubhadharo yakazara yekubhadhara (a 10 muzana yezvibereko zvakanyanya pamari yawakapa); kana
Iwe unoisa mari pasi (taura, 20 muzana) uye chikwereti makumi makumi masere kubva muzana kubva mubhangi (chinyorwa pasi apa pamusoro pezvipingamupinyi).
Chero bedzi iwe une chikwereti chakanaka chechikwereti pane chikwereti, iwe unofanirwa kunge uine chisarudzo chekuti mari yakanaka inobva kune imwe nzvimbo.
Muzviitiko zviviri, iwe zvino une pfuma inobhadhara mari inokubhadhara iwe mwedzi wega wega mari inoyerera chero bedzi imba ichimire uye iwe unotora. Ndakaona vanhu vasingaverengeki vakasiya basa vanoshandisa nzira iyi uye vanochinja chikamu chekugara kwavo chikafu chekurega basa muchipinda chemari yekuunganidza .
Izvi zvingava kushandiswa zvinobudirira kwechikamu chenzvimbo yako yekurega basa chikavha. Kwete chete iyo inoshanda zvikuru pakuita mari inoyerera, inogona kukupa basa rekugadzirisa basa kana uine zvishoma zvacho. Vamwe vanhu vanonakidzwa chaizvo kuva muridzi weimba. Zvinodziita kuti zvive zvakabatikana uye zvichengetedza imwe ruzivo rwemari inopinda mumvura.
* Ndapota cherechedza kuti kukwereta mari inzira yakanakisisa yekutenga nzvimbo yakanaka yepamusoro uye kuunza mari yekurenda- chero bedzi iwe usingakwanisi kutora mari yako. Iva nechokwadi kuti iwe unongoshandisa zvaunogona kuita uye kwete penny. Zvandiri kureva izvi izvi fungidzira zvikwereti zvako zvose zvekumba zvakadanwa kamwechete. Chokwadi unogona kutengesa zvinhu uye kubhadhara chikwereti. Asi zvakadini kana zvisina kudaro? Funga nezvemamiriro emari-mabanhasi ari kukumbira mari yavo kumashure, achidana zvikwereti zvako. Kana iwe usina mvura yakasvibiswa kuti uite kudaro, uye kana yako isiri iyo isina kukwana, unogona kukurumidza kushanduka. Iva nechokwadi chekuchengetedza izvi mupfungwa usati watora kuwandisa kwakawanda kana chikwereti.
Ikokupedzisira ruzhinji rwekuwana mari inowanikwa mari. Izvi zvakanyanya kuoma uye isu tichataura pamusoro pezvimwe apo patinosvika pakavanzika # 5.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo