Vanhu veAmerica vanowanzotora zvisizvo zvinobatsira.
Kukoshesa zvikomborero zvako zvakakodzera, tanga nekufunga nezveSocial Security (kana kuti mari yepensheni) maererano nezvinofanira kuva nazvo mubhangi paunotora basa kuti upe mari yakafanana yemari yemwedzi iwe pachako.
Maitiro Okukoshesa Zvaunobatsira
Ngatiti kana uchitanga pazera remakore 66 uchawana $ 1,500 pamwedzi kubva ku Social Security, uye gore roga roga mari inokwana madhora 1,500 pamwedzi ichakwira kana mari yekurarama ( yakaenzana nemutengo wekutengesa index ) inowedzera. Zvino chifunga kuti iwe uchararama makore makumi maviri. Iko mari yakawanda sei iyo inowanikwa mari inokosha?
Iwe unogona kupindura mubvunzo uyu nekutora kukosha kwezvino kwekutsvaga kwemari inoyerera . Iwe unoda $ 263,977 mubhangi iri kuwana 5% yehuwandu hwekudzoka kwegore kuitira kuti uzvishandire iwe $ 1,500 pamwedzi (uchiwedzera pa 2% pagore) kwemakore makumi maviri.
Kana ukararama makore makumi matatu, iwe unoda $ 348,535 mubhangi.
Uye, kana iwe uchifungidzira kuti pane nzvimbo yaunowana porefimari inowana 5% iwe uri kushandisa mari yakachengeteka inowana 2% (iyo yakaenzana yekutengesa kutengesa kwenyika iyo inowedzera mari yako gore negore) iwe unoda $ 352,941 mubhangi kuitira mari makore makumi maviri, uye $ 529,411 mubhangi yemari inowanikwa kuti igare makore makumi matatu.
A $ 1,500 pamwedzi Kubatsirwa kweSocial Security, zvishoma, inokosha mazana ezviuru zvemadhora.
Uye izvozvo hazviiti kuti zvibatsiro zvibatsiro zvakadai sevakaroorana kana kuti vanoponeswa .
Kukosha ndeye Kunyanya Vakaroora Vakaroorana
Paunofunga nezvekuti Social Security ingakosha sei kune vakaroorana, unogona kushamisika kuona kuti hazvisi zvisizvo kune zvikomborero zvakakosha kupfuura mamiriyoni emabhangi.
Tora varume vaviri (uyu murume nemudzimai chaiye wandakashanda navo) apo vose vakaberekerwa muna 1950, uye vose vari vaviri vakashandira kuwana mubayiro wakanaka. Kubatsirwa kwaanoita pazera rake rekurega basa richava $ 2 668 pamwedzi, uye iye pazera rake rekurega basa richava $ 1,659 pamwedzi. Kana mumwe nomumwe achizviti anobatsira pazera ravo rose rekurega basa, uye anorarama kune 85 uye iye kusvika kune 90, kukosha kwezvino kweupenyu hwavo hunobatsira zvinenge madhora $ 941,000.
Asi kana akaisa uye akamisa purogiramu yake pazera remakore makumi matanhatu nemana, izvi zvinomubvumira kuti awane kubatsirana . Aizotora kubatsirana kwemurume kwemakore mana, ozoshandura kumubatsiro wake pazera remakore makumi manomwe. Aizotanga kubatsirwa kwake pazera remakore makumi manomwe. Nenzira iyi ivo vaviri vanowana kukanganisa kwekubhadhara mari iyo inobvumira kuti vatore mari yakawanda pamwedzi chiyero.
Iyi nzira yekuronga inosimudzira kukosha kwezvino kwehupenyu hwavo inobhadhara madhora 1,057,000. Iko nhamba dzekukoshesa ikozvino dzakaverengwa kuburikidza nebhadharo reInternet Security Security chikwata chinonzi Social Security Timing. Ndaifunga kuti kuwedzera kwegore rimwechete kwezvikamu zviviri kubva muzvikamu zvakakonzerwa nekuderera, uye 5% kubhadhara mutengo, kana kuti chiyero chekudzoka icho chikwereti chaizoda kuwana.
Kukoshesa Mamwe Makomborero
Vaya vanoenda kunzvimbo dzakasununguka vanowanzochechera kuti mari yakabhadharwa yakawanikwa yakakodzera sei.
Iyi tsika yekuderedza kukosha kwekuwana mari inoshanda kumapiro ezvepensheni uyewo Social Security.
Kunyange zvazvo kuderedza kukosha kwekuwana mari yakagadziriswa, vashandirwi vanowanzotarisa kukosha kwezvakawanda zvekuchengetedza uye kudyara. Vanowanzofunga kuti mari iyo inogona kubhadhara mari yakawanda kana kuwana mari yakakwirira yekudzoka pane izvo zvinoitika. Izvi zvinogona kutungamirira vanhu kuti vasarudze mukana wekugadzirisa mari yavo yepenjeni panzvimbo yekusarudzwa kwegore , nekuda kwekuti havana kuziva kukosha kwechokwadi kwegore iroro rekuwana mari.
Usatora kukosha kwehutano hwako hwe Social Security kana zvimwe zviwanikwa zvemari yakagadziriswa. Iyi mari yegore negore inogona kunge inokosha kupfuura iwe unofunga.