Ndine Zvakafanira Kurega Here?

Chinhu Chakanyoresa 5 Kutora Nhanho Kunogona Kukuudza Kana Une Zvakafanira Kurega

Iwe une zvakakwana here kuti upiwe basa? Kana iwe uchida chaizvo kuziva, iwe uchada kuita mamwe maverengero ako pachako zvichibva pane iwe unoda kubvisa pabasa, uye kuti unoda kushandisa mari yakawanda sei uchiri kurega basa.

Kuti uwane kuongororwa kwakaoma kufamba nematanho mashanu pasi apa uye mumaminitsi mashanu unogona kuuya neyekuti hongu kana kwete mhinduro.

5 Nhanho Kuverenga

Heano mhedziso yechinhu chisina matanho mashanu-danho kuverenga iwe unogona kushandisa kuti uone kana iwe uchinge uine mari yakakwana uye uchichengetedza kubhadhara mari yako mukurasira.

1. Ndezvipi zvipo zvako zvegore negore zvekurega mari?
2. Wedzera nhamba iyoyo nehuwandu hwemakore yakasara kusvikira kubhadhara ("iwe paunoda kubvisa" chikamu).
3. Wedzera yako ikozvino yekurega mari yekuchengetedza kunhamba iyoyo.
4. Gurai nenhamba yemakore munotarisira kurarama mukurasira.
5. Wedzera izvozvo kune mamwe magwaro anovimbiswa emari.

Kana wapedza nehuwandu uenzanise mhinduro yemari yako yegore yegore rose kuti uone kana mari yaunofunga kuva nayo yakakwana yekuvhara mari yekugara iwe yaunowanzove nayo.

Muenzaniso Uchishandisa Zvakakwana Kuti Usarudze Kuverenga

Tichafamba nematanho mashanu ekugadzirisa emuenzaniso wemudzimai:

• Mumwe murume, makore 55.
• Mumwe nomumwe anopa chikamu chikuru kumabhuku avo eIRA gore roga roga, pamwe chete ne $ 13,000 emipiro yeIRA gore rega rega ($ 6,500 mumwe nomumwe).
• Iva ne $ 150,000 yakachengetwa kare.
• Vanoda kubvisa pazera ravo rekurega basa sezvinotsanangurwa neSocial Security, iyo inenge iine makore 66 nemwedzi maviri, asi isu tichaitumidza makore 67.

• Kubva pane zvakabuda kubva kuupenyu hushoma hwekutarisira calculators , vanotarisira kuti mumwe wavo ave kurarama kusvika makore 94 saka vanotarisira kuva nemakore makumi maviri nemaviri ekurega basa.
• Achava ne $ 2 200 pamwedzi ($ 26,400 pagore) mu Social Security inobatsira, uye achaunganidza hafu yemari iyi ($ 13 200 pagore) sevakaroorana vanobatsirwa .

Kushandisa deta yavo, iyi ndiyo iyo yakakwana yekuita basa rekushanda inoshanda:

1. $ 13,000 (Iyi ndiyo mitsara yavo yegore rose yekurega mari.)
2. $ 13,000 x 12 = $ 156,000 (Kubhadhara kwavo kwegore rose kwekurega basa kwakapetwa nemakore zvakasara kusvika pakubhadhara.)
3. $ 156,000 + $ 150,000 = $ 306,000 (iyo yose inotarisirwa kushandiswa kwemari yemberi inowedzera kune mari yakachengetedzwa.)
4. $ 306,000 / 27 = $ 11,333 (Zuva rose remangwana uye rakachengetedzwa riripo rakaparadzaniswa nenhamba yemakore unotarisira kurarama mukurasikirwa.)
5. $ 11,333 + $ 26,400 + $ 13,200 = $ 50,933 (Gore roga roga rinotarisirwa kubhadhara mari kubva kune mari yakawedzerwa kune mamwe mabhadharo emari yakachengetedzwa; mune yavo Social Security.)

Muchiitiko ichi, $ 50,933 inomiririra gore rega rega rinotarisirwa kubhadhara mari. Vanofananidza kuenzanisa izvi nemari yavo kuti vaone kana zvichange zvakakwana. Kana iwe usingazivi kuti mari yako inenge iri chii pakubhadhara mari inobhadhara mari yekurasikirwa yakatarwa kuti iwane nekufungidzira.

Iyi kuverenga inokwana kufungidzira vose vari vaviri vari vapenyu asi pamusana pekufa kwowakaroorana wekutanga Social Social amount (iye ari munyaya ino) ichaenda uye iyo yakakwirira icharamba ichiita sechirikadzi / mubavha kubatsirwa. Zvisinei, zvimwe zvikwereti zvinogonawo kuwira pasi pakufa kwomumwe wako, zvakadai sehutano uye mari yehushuwarenzi, kutfambisa uye zvishandiso.

Zvinopesana neNzira iyi yekuverengera Chikwereti

Vamwe vacharamba kuti izvi zviri nyore-ku-kurega kuverenga hazvifungi nezvekuwedzera kwemazvikwereti, kana kutengesa kwezvinhu. Nokuda kwekuita nyore, kutora kukura kwekuchengeteka kwezvinhu 3%, uye kuwedzera kwezvikamu zvinokwana 3%. Izvozvo zviviri zvinenge zvichange zvichisimbirirana.

Hazvibviri kunyatsofanotaura zvese zvinoshandiswa zvichabata chirongwa chemari yekubvisa mari kune imwe makore makumi matatu nemakore. Zvimwe zvakarongwa zvakarongwa zvinobatsira, asi izvi zviri nyore zvakakwana-ku-kurega kuverenga pamusoro apa zvinopa nzvimbo huru yekutanga.

Ko kana Iwe Usave Wakakwana?

Vamwe vanhu havadi kuita chero kuverenga nokuti vanotya mhinduro. Iyi ndiyo nzira yemhou. Usaita izvi! Hazvisi kunetseka zvikuru kuita zvidzidzo, kutarisana nechokwadi, uye kuronga hurongwa hwekuita pane kuti uwane kubhadhara uye unouya pfupi.

Kana iwe uchimhanya kuburikidza nehuwandu hwepamusoro uye uchifunga kuti iwe hauna zvakakwana kuti upiwe basa iwe unogona kutsvaga mikana yakawanda sekushanda kwenguva yakareba, kuwana nzira dzekuwana mari yakawedzerwa, kutsvaga nzira dzokuderedza mari, kana kutamira kune imwe nzvimbo inodhura. Zvose izvi zviito zvinogona kubatsira kubvisa basa rekurega basa.