Zvinotyisa kufunga nezvekuisa zviwanikwa kuti ubhadhara chikwereti chekare chekwereti chikwereti, asi pfungwa yekurasikirwa nebasa rako rinokuita iwe kunyanya kunetseka.
Aya mazano anogona kuisa zvimwe zvekunetseka kwako kuzorora.
Nokuda kwechikamu chikuru, unogona kuchengetedza mari yako yekusunungurwa muZvitsauko 7 uye Chitsauko 13 kubhadhara, asi pane zvimwe. Usati watanga kutengesa chero chipi nechipi kana kutora chikwereti chekubhadhara mari, ndinonyatsokurudzira kuti uwane mazano anyanzvi kubva kumunhu anokwanisa kugadzirisa gweta. Zvimwe zviito zvaunogona kutora zvinogona kushandiswa nekunyoresa kubhadhara.
Heano humwe huwandu hunoti huchaita kuti utange:
Chii Chinoitika Kumucheto Makambani muBhengruptcy?
Mareji epamberi anouya mumhando dzakasiyana-siyana. Nenzira yakanaka, munyaya yekushungurudza yakawanda yavo inodzivirirwa . Heano mamwe emhando dzakawanda dzinowanikwa dzekodhi dzinoshandiswa nevanhu kuti vawane mari yekurega basa:
- kuchengetedzwa kwevanhu
- mhemberero yemashandi-yakabhadhara mari
- 401 (k) nhoroondo
- IRA
- annuity
- nhoroondo yekuchengetedza tsika
Kunyangwe iwe uchichengeta mari yako yokurasikirwa mubhadharo inobva pasinei nokuti imba yacho inopindirana muchikwata chezvinhu zvatinodanidza kurega pfuma.
Chii Chinobudiswa Zvinhu?
Kana iwe ukaisa chikwereti chekudarika, iwe chinangwa ndechokuita (kubvisa) sechikwereti chakawanda iwe unogona kuti iwe uwane hutwo hutsva. Mukutsinhana kwekubudiswa uku, unofanira kusiya pfuma yausingadi yekutanga iko. Zvamunochengeta zvinodzivirirwa kubva kumatare ekudarika uye kubva kune vane chikwereti.
Tinodana kuti kusunungurwa pfuma.
Kuti udzivirire pfuma yako inofanirwa kuenderana mune imwe nzvimbo yekusunungurwa , uye chikamu chikuru hachikwanise kudarika chimwe chikamu chemari. Hurumende imwe neimwe ine zvigadziro zvayo zvekuregererwa, uyewo chikwangwani chebhengi chinowanikwawo chekuregererwa . Mune dzimwe nyika, iwe unogona kungoshandisa urongwa hwekuregererwa hwakagadzirirwa nehurumende, asi mune vamwe unogona kusarudza kana uchishandisa nyika kana mvumo yehurumende.
Makore akawanda akapfuura, Congress yakasarudza kuti zvaive zvakanaka kune sangano rose kana vashandirwi vachigona kuvimba nemari yavo yekubvisa mari uye kuchengetedza iyo mari kubva kune vane chikwereti. Saka, Congress yakawedzera kusunungurwa kwemakambani akawanda ekurega basa. Izvo zvikwereti zvinowanikwa kune vanhu vanowedzera kubhadhara kunyange kana vakasarudza mvumo yehurumende yeimwe nzvimbo. Kana iwe ukwanisa kusarudza mvumo yehurumende inowanikwa mumutsetse webhengi, iwe unogona kukwanisa kuchengetedza mari yakawanda yekurasikirwa.
Ndezvipi zvePensheni neRetirement Account zvinodzivirirwa?
Zvinosuruvarisa, zvizhinji, asi kwete mari yose yekurasikirwa yakachengetedzwa kana iwe ukakonzera chikwereti chekudarika. Heano mamwe mazano anowanikwa.
Zvekuchengetedzwa Kwemagariro: Kuchengetedzwa kwehutano kwehutano kwakachengeteka munyaya yekusungirirwa, zvisati zvasvikira zvadonhedzwa mubhengi rako rebhangi.
Mune dzimwe nyika, mari mumabhengi ebhangi haabhadharwi. Chimiro chako chakanaka ndechokuti uchengetedze hutano hwako hwemagariro hunoiswa mune imwe nhoroondo kuitira kuti irege kuenzaniswa nedzimwe mari uye naizvozvo zvakaoma kutevera.
Pensheni: Private company pensions inodzivirirwa kana vakakodzera pasi pemutemo unonzi Employment Retirement Income Security Act muna 1974 (ERISA). Kuti zvikwanise, zvirongwa izvi zvinofanira kusangana nezvimwe zvinoda zviri mu ERISA uye Internal Revenue Code. Purogiramu yako murairidzi anogona kutaura kana chirongwa chako chinokwanisa.
Purojekiti kubva kune dzimwe nzvimbo dzakadai sehurumende, machechi, asina mari, hukama hwehutano, dzimba dzehurumende, uye masangano asingabhadharwi emitero haasi ERISA anodiwa, asi ivo vachiri kusunungurwa kana vachiwana zvimwe zvinodikanwa zveNyaya yeRevenue Code.
401 (k) Nhoroondo: Aya majeti okutsinhanisa anochengetedzwa pasi peChechi 401 (k) yeInternal Revenue Code, saka zita racho.
Iras yemaitiro uye Roth IRAs: Nhasi, unogona kuchengetedza mari inokwana madhora 1,283,025 munharaunda kana Roth IRAs. Iyi mari inogadziriswa makore ose matatu.
Annuities: In Internal Revenue Code inodzivirira zvimwe zvikwereti, zvichienderana nemari iyo mari yakabhadharwa uye mamiriro ekubhadhara. Somuenzaniso, annuity yakagadzirirwa kukubhadhara yako lottery yako winnings haichazoregereri, asi iyo inotanga kukubhadhara kana iwe uchisvika makumi matanhatu ichachengetedzwa.
Will A Reverse Mortgage Help?
Kudzorera zvikwereti zvekare zvingonakidza pfungwa. Izvo zvakagadzirirwa kukubvumira kuti iwe usvike pakuenzana kwako pasina kusiya musha wako. Mukutsinhanisa pamaripo yemwedzi, chikwereti chemari, kana mutsara wechikwereti, unobvumirana kuti imba yako ichadzokera kumunhu anenge achikweretesa kana wapfuura kana kuti kubvapo zvachose.
Iyo chaiyo chaiyo pano ndiyo kuenzana mumba mako. Zvakare, tinofanira kudzokera kumamiriro ehurumende uye nehurumende kuti tione kana kuenzana kunodzivirirwa. Zvimwe zvematongerwo enyika zvinokubvumira kuti udzivirire 100% yehutano, asi zvizhinji zvinoreva kuderedza mari yaunogona kuregeredza, uye inowanzosiyana. MuMaine, unogona kuchengetedza $ 47 500 muhutano mumwe nomumwe, asi iwe unogona kudarika izvozvi kusvika ku $ 95,000 kana iwe ukaisa bhengi rekuda pamwe chete. Kana iwe uri kupfuura makumi matanhatu kana akaremara, pamwe chete iwe unogona kubhadhara $ 190,000, izvo zvingadai zvichiri kusiya anenge $ 60,000 asina kudzivirirwa.
Maine haakupi iwe sarudzo yekushandisa mvumo yehurumende, asi haizokubatsiri zvikuru, Iwe unobvumirwa $ 23,675 mumwe nomumwe kana $ 47,350 kana iwe mose maisa faira, zvishoma kudarika zvaunogona kudzivirira pasi pekuregererwa kweMaine.
Isango Rakachengetedzwa Here?
Ichi chikamu cheimba chingatova chakaoma kukudzivirira. Izvo hazvikwanise kubhadharwa kwemisha sezvinoita imba yako. Ichingochengetedzwa chete kana nyika yako isingabhadharwi ine chikamu chekuvhara iyo. Mune mvumo yehurumende, kune chikamu chinonzi "wild card" chinokubvumira kuchengetedza chinhu chipi nechipi chinokosha che $ 1,250 (chakagadziriswa makore ose matatu), pamwe chete kusvika ku $ 11,850 yemari ipi zvayo isingashandiswi kumusha. Sezvo iwe watototanga kushandisa yose yako yehurumende yekuregererwa kwemisha, iyo yakawedzerwa mari haichawaniki kwauri.
Iwe Unogona Kudzivirira Idzimba Hako Equity Imwe Nzira?
Zvichida uri kushamisika kana pane imwe nzira yekudzivirira kuenzana pamusha wako kana mujenya. Zvinogona kuitika, asi zvinonyangadza uye zvinogona kudzorera.
Nzira Yakaoma: Unogona kutora chikwereti paimba kana kutengesa rakarashika uye kuisa mari yacho mu 401 (k) kana IRA, iyo inodzivirirwa maakaiti.
Ndicho chikonzero izvi zvichida hazvigoni kushanda: Unofanirwa kuzivisa zvakawanda zvekutengeserana kwemari kune imwe yapfuura kusvika kumakore maviri apo iwe uisa yako bankruptcy case. Dare richaongorora izvo zvinotengeserana, uye kana zvichiita seunenge uchiedza kuchinja zvinhu zvisiri izvo kuti uchengetedze mari chete kuti uchengetedze mari kubva kune vako vane chikwereti, dare rekudarika rinogona kugadzirisa mutengesi uye kushandisa mari yacho kubhadhara vatengi vako. Izvi zvinonzi kusagadziriswa kusati kwatanga kubhadhara.
Nzira Yakanakisisa: Asi apa pane chimwe chinhu chichashanda. Kadhi kadi yekwereti chikwereti iri $ 50,000. Kana iwe waizoisa chikwereti chekubhadhara, dare rinenge risina mubvunzo kuti iwe unoda kuti udzorere pfuma yakakwana yekubhadhara chikwereti ichocho. Asi pane homwe yesirivha pano. Kunyange iwe unokwereta $ 50,000, izvozvo hazvirevi kuti iwe uchabhadhara $ 50,000. Vanokweretesa vanofanira kutora zvikwereti vasati vabhadharwa, uye izvo zvikwanganiso zvinofanira kutevera zvimwe zvinoda, kana mutongi (uyo akasarudzwa nedare rinotungamirira nyaya yako) anogona kupikisa kudai uye zvichida akadzingwa. Zvimwe zvikwereti hazvingotambudzi kutumira kudai. Chero chirevo chisina kuiswa kana chibvumirwe nedare chicharehwa. Saka, pane mukana wakaisvonaka iwe unofanirwa kubhadhara mari shoma pane $ 50,000 mune chikwereti.
Izvi zvinoreva here kuti iwe unofanira kurasa imba yako? Ndiyo imwe nzira yekugadzirisa nayo. Mutrasti aizotengesa imba yacho, anokubhadhara chikwereti chakakwana chekuregererwa kwako kubhadhara (kusvika pamadhora 190 000 kana iwe uchikodzera pasi pemutemo wekuregererwa kweMaine), kuripa mari yekutengeswa, kubhadhara muteresi wega wega (anobhadhara chikamu chemari anotungamirira), uye anokwereta zvose zvinotenderwa kudaidzwa. Dare richadzorera kwauri chero chii chakasara.
Sezvimwewo, iwe unogona kugovera kuisa chimwe chinhu chisina kukodzera pfuma kana mari kuti iwe uchengetedze imba yako uye yakawanda yehutano hwako mairi. Ikoko nzvimbo iyo inotsiviwa inobva kupi? Zvingangodaro, iwe unogona kukwereta kururamisa kwako, zvichida nechechirwere chekutengesa chaunofungidzira kana chechikwereti chemari kana imba yekuenzanisa chikwereti chekwereti.
Saka, zvichida uri kushamisika kuti nei faira yakaparara zvachose; iwe unogona kungokwereta mari ikozvino, kuripa makadhi emakadhi, uye urege kubhadhara zvachose. Ichokwadi. Uye, iwe unogona kukwanisa kutaurirana nemuzhinji wevaya vane chikwereti kugadzirisa zvishoma kune zvaunokwereta . Sezvo kutaura kwekare kwaenda, zvinogona kuva "zvikamu zvitanhatu zvehafu nehafu yeimwe." Kuzviita iwe pachako kunogona kutora basa rakawanda pane iwe, asi iwe hauzovi nekodzero inokutevera iwe kune gumi inotevera makore.
Kudzivisa Kubhadhara Nokushandisa Kubhadharwa Mazano Kubhadhara Zvikwereti
Saka, zvakadini nemamiriro ezvinhu akasiyana? Panzvimbo pokutora chikwereti chakawanda kuti udzore kuenzana kuti uregedze pfuma, zvakadini kana iwe ukashandisa yako 401 (k) neIRA yako kubhadhara imwe chikwereti chako? Izvi zvinenge zvisati zvamboita pfungwa yakanaka nokuti uri kushandisa mari yakachengetedzwa kubhadhara chikwereti chinogona kubviswa chete nekuisa chikwereti chekugadzirisa. Ndichakubvumira pane zvakavanzika zvishoma. Izvi zvinenge zvisati zvambogadzirisa dambudziko guru. Iwe unogona kubhadhara chikwereti, asi chii chinoitika mumakore mashomanana apo iwe wakakwereta iyo maakaiti zvakare? Iwe uchazviwana iwe wakadzika pachikwereti zvakare pasina kubatira. Uye, kana iwe ukabvisa mari iyoyo kubva kune yako 401 (k) kana yako IRA usati watora 59 nehafu, iwe uchine chikwereti chikuru chemutero mushure megore.
The Bottom Line
Iwe usati waita chero chiito, iwe unofanirwa kugara pasi nemudzidzi anonyatsoziva kugadzirisa gweta . Iko kune mitero inoshandiswa kune zvimwe zvekutengeserana, uye vamwe vachanyatsogadzirira nekugadzirisa nguva yekugutsa dare rekudarika kana ukasarudza iyo nzira. Vazhinji vashandi vanopedzisira vatsigiri vachakupai hurukuro yekutanga yekusununguka, asi kunyange kana iwe uchibhadhara, iyo mazano ichave yakakosha.