Iwe Uchada Kubhadhara Kubva Pari Yenyu?
Kana iwe nemumwe wako muchibvumirana muchiwana $ 100,000, semuenzaniso, unofanira kuronga kuchengetedza mari yakakwana kuti uwane $ 75,000 kusvika $ 85,000 pagore paunotora basa.
Asi munguva pfupi yapfuura, mutemo uyu wechigunwe wakadanwa mubvunzo. Nyanzvi dzezvehupfumi hwehupfumi dziri kutaura iye zvino kuti ZVAUNOFANIRA, kwete mari yako, inofanira kutungamira urongwa hwako hwekusarura.
Panzvimbo pokutsvaga nhamba isina kukwana inobva mubhadharo wawakambokurukura nemukuru wako wemazuva ano, vanoti, iwe unofanira kufungidzira mari yakawanda yaunoda kurarama gore rega roga panguva yekurega. Zvadaro wedzera ne25 . Ndizvo zvaunoda kuti uchengetedze.
Kana iwe newawakaroorana naye musarudza kusarudza kubvisa $ 40,000 pagore kubva pakubhadhara mari yako yekushambadzira (kuwedzera yako Social Security ), somuenzaniso, iwe unoda huwandu hwemadhora e $ 1 mamiriyoni paunotora basa. Kana iwe nemumwe wako muchida kubvisa $ 80,000 pagore, muchada $ 2 mamiriyoni.
Kutsigira chinangwa chako chekuchengetedza basa pamari yako inotarisirwa gore roga roga-panzvimbo pemari yako yemazuva ega-inoita zvakawanda. Ini ndinotsigira nzira iyi uye ndinotenda kuti inobata mutemo wechechi wechigunwe unowedzera pamusoro pezvaunowana.
Zvechokwadi, pane chimwe chinhu chinonyanya kukosha kuita kuti izvi zvishandise kushanda. Unofanira kunge uchikwanisa kuongorora zvakarurama kuti mari yakawanda yaunoda gore rega rega nekuda kwehupenyu hwako kana iwe uchirega.
Unogona sei kuverenga izvi?
Danho Rokutanga: Tarisa Paunenge Uchishandisa Parizvino
Ongorora mari yaunoshandisa gore rega rega. Icho chinhu chakanaka chekutanga. (Hamuzivi mhinduro? Izvi mapepa anogona kubatsira.)
Danho repiri: Zvibvunze mibvunzo inotevera:
- Une vana vanozovimba nemwi nekuda kwekubatsira mari kana mushure mokurega basa? Funga nezvemari yekuvatumira kukoroji uye zvichida kubatsira kuvatsigira kuburikidza nekupedza chikoro. Funga kana kana kwete ivo vachakubvunza kana vakakwanisa kubhadhara mari yekutenga motokari, imba kana nhete yekuita. Unoronga kubhadhara mari yavo here? Izvi zvinogona kuwedzera pamari yako yekurega mari.
- Iwe newawakaroorana naye mune utano hwakanaka here? Iwe une nhoroondo dzemhuri dzehutano hwakakura hunogona kuratidza kuti huri kudhura here? Medicare inotora mamwe mari, asi vakwegura vanobhadhara kunze kwehomwe yevamwe mari. Mukuwedzera, "zvisina kufanira" kurapwa kwechiremba kufanana nekutora-kukodzera imba yako kuti ugare newiricheya-ushamwari kunogona kutenga mari.
- Une chikwereti, zvakadai semarikiti yekwereti yemari, chikwereti chemotokari kana zvikwereti zvevadzidzi?
- Ko imba yako inotora chikwereti ichabhadharwa zvizere nenguva yaunotora basa here?
- Ndezvipi zvakakosha zvepfuma yako uye nevhudzi vemunishuwarenzi?
- Iwe iwe kana mudzimai wako mune vabereki vakwegura vangangoda rubatsiro rwenyama kana mari?
- Iwe une vana vomunin'ina kana vanun'una avo vangada kubatsirwa here?
Wedzera izvi zvinofungidzirwa mari pane bhajeti yako yemazuva ano. Itai mari yekuita imwe nguva. Kana uchitarisira kubhadhara $ 20,000 pamuchato wemwana wako, somuenzaniso, funga kuti mari yako yegore rekusununguka ichave, pamwero, $ 2,000 pagore rakakwirira kudarika yemari yako ikozvino.
Bvisa chero mari yaunotora kubva bhajeti yako iripo kana zvichidiwa. Kana bhajeti yako iripo inosanganisira kubhadhara chikwereti , iwe unogona kutora chikamu uye chikamu chikamu chemari yako yekubhadhara mari kubva pane zvaunotarisira kubhadhara mari. Usakanganwa kuwedzera kudhura kwemitero yeimba uye varidzi vemunishuwarensi kumashure!
Pakupera kwechiito ichi, iwe unofanira kunge uine nhamba inoratidza kuti iwe uchapedza gore rega rega paunotora basa.
Danho rechitatu: Tora Zvaunofambisa Zvokuchengetedzwa Kwevanhu uye Pension Income
Pasingapfuuri chetatu chevashandi vechiAmerica vanowana penheji. Kana iwe uri mumwe wevane nhanho, bvunza waunoshandira iwe kuti uchawana zvakawanda sei. (Dhipatimendi reHuman Resources ndiyo nzvimbo yakanakisisa yokutanga kubvunza).
Social Security inokumbirisa iwe fomu kamwe chete pagore inokuudza kuti iwe unokodzera sei kugamuchira mukurasira, zvichienderana nemari yako yemazuva ano. Tarisa fomu iyoyo kuti uwane chikwereti chaunotarisira. Kana iwe usingakwanisi kuwana fomu, kana iwe uri mutsva kune vashandi, shandisa muenzanisi pane webhusaiti ye Social Social website.
Nhanho Nhatu: Kubvisa uye Kuwedzera
Bvisa mari yako inotarisirwa yepfumi uye yehupfumi yehupfumi kubva pamari yako inotarisirwa gore negore.
Kana iwe uine imwe nzvimbo yekuwana mari yekubvisa mari, yakadai sekubhadhara mari kubva kune imwe nzvimbo, zvikwereti kana kuti zvikwereti, kubvisa izvi zvakare.
Mari yakasara ndeyekuti iwe unoda zvakadini kubvisa kubva pane yako portfolio. Wedzera iyi nhamba ne 25. Izvi ndizvo zvakakura kuti chikwereti chenyu chinoda kuva.
Heano muenzaniso:
Zvinotarisirwa Kubhadhara Imari: $ 65,000 pagore
Pension uye Social Security Inowanikwa: $ 30,000 pagore
Net Rental Property Property: $ 5,000 pagore
Fomu: $ 65,000 - $ 30,000 - $ 5,000 = $ 30,000. Iyi ndiyo mari, gore negore, iyo inofanira kubviswa kubva pamusana pehupfumi.
$ 30,000 x 25 = $ 750,000 basa rekuchengetedza basa rinodiwa.
Saka ndechipi nhamba yako?