Usawedzera Dambudziko Rako Nokuderedza Kusara Kwako
Varidzi vepamba havasi kuregererwa kubva kuchokwadi ichi. Iko tsika inopiwa kuti inenge wese munhu ari mukati meUnited States ane chido chokuva nemba yake chaiyo zvakakwana; kuti unakidzwe neimba yekutengesa pfuma pasina uye yakajeka yekusagadzikana kwebhangi kana sangano rezvemari chikamu chekuAmerica kurota. Kunyange zvakadaro, kunze kwekuti iwe uri mukana wokubvisa chikwereti chose chekutenga chikwereti chako chekugara, kubhadhara mari yakawanda kukuderedza chikwereti chikuru kunogona kutungamirira kumatambudziko emari, kunyanya kana iwe usina kuchengeta mari yako yekukurumidza . Izvozvo zvingave zvakaoma kutenda, asi ichokwadi. Apo hupfumi hunoenda kumaodzanyemba, kuve nemari yakawanda iripo kuti uchengetedze kurasikirwa kwebasa, dambudziko rezvoutano, kana hurumende dzomumhuri zvinogona kureva kusiyana pakati pekurara usiku uye rugare rwemukati.
Kuwanda Kwakawanda Iwe Une Musha Wako, Iko Mukurumbira Wakawanda Bhizimisi Richazopfuura Kana Uchishaya Maripo
Fungidzira iwe une bhangi.
Iwe une vashandi vaviri, John naMaria, vose vane dzimba vakaongororwa pa $ 200,000. John akazova kuurawa kwevanhu vose, kune maziso ake echechi rechikwereti chikwereti, achibhadhara motokari yake, haazove nemafuta emvura, uye ane nhoroondo isina kushanda yemabasa. Maria, kune rumwe rutivi, ane chikwereti chakanakisisa, uye kunyange zvazvo asina mari yakawanda yakachengetwa iripo, akatendeka akatora kaviri kana katatu kubhadhara kuderedza chikamu pane mari yake, iyo ikozvino inomirira $ 15,000 chete.
Ari kutarisira nomwoyo wose zuva raanokwanisa kutumira vouketi yekupedzisira kubhangi uye kuziva kuti imba yake yakakwana uye yakakwana yake.
Zvino, fungidzira kuti zvose zvinotambura nenjodzi. Zvichida vakanga vari pangozi uye vasingakwanisi kushanda kana kuti vakaregererwa nekuda kwematambudziko . Sezvo bhagheni, iwe hauchazocherechedza kusvikira kubhadhara kuripo. Iwe uri kunyatsotarisa uye unoteerera kana mazuva makumi matanhatu apfuura, uye hapana cheki yakagamuchirwa mune tsamba. Pane imwe nguva, chikumbaridzo chakapfuura apo mitemo yebhangi nemitemo inoda kuti iwe uzive kuti zvinokwanisika iwe haungagamuchirizve mari kubva kunaJohn kana Maria. Ichokwadi kuti vashandi vebhangi vanoda kudzivisa izvi nokuti inoderedza kushandiswa kwavo kunoburitswa , inoderedza simba rebhadharo ravo , inoita kuti vatongi vavo vatsamwiswe, uye vanowana varidzi (kana vashandi kana bhengi iri kutengeswa pachena ) vachiita kuti vashandure mamiriro ezvinhu kana njodzi yekurasikirwa nemabasa avo.
Kuzvidzivirira izvi, vashandi vebhangi vari kutora matanho anobatsira ekudzosera chikwereti kumashure e "accrual status" nokukurumidza sezvinobvira kuitira kuti irege kukuvadza zvinyorwa zvemari. Nzira huru iyo iyi inogona kuitwa ndeyokufanotarisa pfuma uye kuvhengesa iyo kune mutengi.
Kubva pamaonero ako sebhengi webhangi, ndianiko iwe unogona kutanga kuenda shure? John, uyo anenge asina chaanoita mumba make, kana Maria? Kana iwe waizofanirwa mberi naJohn, iwe uchazofanira kudzorera inenge yakazara $ 200,000 uchikumbira mutengo wokudzima chikwereti pamabhuku ako. Kana iwe ukatangira Mariya, iwe unogona kuvhara pfuma yacho patsika shoma zvikuru, nokukurumidza zvikuru uye kubvisa chikwereti chakazara che $ 15,000.
Hungu, Mary ave ari munhu akanaka chaizvo. Hongu, iye akaita zvose zvakanaka. Zvichida hazvina kunaka kuti iye ndiye wokutanga waunotevera asi kuti unzwisise kuti nei izvi zvaitwa, unofanira kuziva chimiro chekurudzira chinowanikwa munzvimbo yevashandi neWall Street iyo, zvakare, inoguma yevatengesi vanoda kuve vakagadzikana, uye yakakwirira, pfuma.
Ndivanaani vatyairi? Iwe neni. Muna 401 (k) zvirongwa , nhoroondo dzeIRA, kana kuburikidza nehuwandu hwemari yekuenzanisira kana hupfumi humwe mune imwe nguva yekwereti yekwereti .
Ndiyo mari yepensheni inobhadhara cheko kuvabereki vako kana sekurukurukuru. Ndiyo kambani ye inshuwarisi inoda kuunza mari yekubhadhara zvirevo. Nevatengesi vanotsvaka zvikwereti, Wall Street haifaniri kuona bhangi ine zvakawanda zvemaimba. Vashandi vebhangi renyu havazoiti pangozi basa ravo nekuedza kunyora imba yaJohn kwemwedzi mitanhatu kuitira kuti awane zvishoma zvishoma kubva mazviri. Vanongova nehanya chete mukudzivirira mari yavakagadzira John, uye akavimbisa kubhadhara. Ndicho chikonzero ivo vanotendeukira kumatengesheni. Havakwanisi kukanda imba yaJohn nokuti mari yacho inogona kunge isina kukwana kubhadhara chikwereti. Imba yaMaria, kune rumwe rutivi, inogona kuverengwa kune $ 125,000 pane imwe nzvimbo. Vanowana $ 15,000 uye vanochengeta purogiramu yepakati pepaji apo iye anorasikirwa $ 75,000 muhutano hwaigona kunge hwakatorwa iye aikwanisa kunyora pfuma pamusika kwenguva yakakwana kuti agamuchire chinopiwa chinoremekedzwa.
"Zvakadini naJohn?" Unobvunza. Icho chikamu chakaipa. Mabhengi mazhinji anowanzoita kuti agadzirise mazwi ekubhadhara kuti amubatsire kubva mumamiriro acho ezvinhu nokuti ivo vanogona kuzviisa pamabhuku acho se "chikwereti chakanaka". Vanogona kupa mubhadharo webhoti pamagumo ekubhadhara chikwereti kuderedza mari yazvino. Vanogona kubvumira makore maviri ekufarira-chete chete. Pakati pemitemo yekutonga, denga ndiro muganhu, uye zvakanyatsoenderana nekunyanya kuti bhagi rinoda sei kudzivisa kukanganisa kumiganhu yayo.
Ko Muridzi weimba angazvidzivirira sei kana iye pachake kubva pane izvi?
Chekudzivirirwa kukuru kune umwe wevatengesi ane kupesana kwekuvhara kwekutsvaga. Taura kakawanda. Bhizinesi haisi kunyanya kunetseka nemari yaunokwereta, sezvo iwe unoramba uchibhadhara panguva, pasina nguva, naizvozvo nhamba yavo inotarisa.
Mariya angadai akave ari nani zvikuru nokutora iyo mari mbiri uye katatu zvaakanga achiita paaitenga uye achizviisa mubhadharo yemari yemari yemari kana mari. (Panguva iyo nyaya iyi yaive yakanyorwa pakutanga, mari yakadaro yaibhadhara 4% kusvika ku5%) Mazuva ano, haungawani zvakawanda munzira yekuwana mari , asi zvichiri kukosha kuderedza dambudziko.) Kana chimwe chinhu chakaitika, iye aigona kuvhara kukanganisa kuburikidza nekupinda mukati mekuchengetwa kwaakavaka. Kana ichiita sekuti mamiriro ezvinhu aisazochinja, aigona kuisa imba yake pamusika ezvo achiedza kuzvichenesa kubva mumamiriro ezvinhu asati atarisana nematambudziko emari.
Dambudziko rimwe chete rinonyanya kuve nehutano hunonyanya kuisa pachena kune ngozi ndeyekuti mumwe munhu anoshandisa mari iyo achichengetedza chikwereti. Nhoroondo ine mari yakawanda yemari isingarambidzwi inongova muedzo mukuru kune vanhu vakawanda. Zvichida vanobva kumashure pamabhiridhi avo emakadhi echikwereti. Zvichida vanoda chidimbu chitsva cheterevhizheni uye vanofunga kuti vachipinda muhomwe uye vachiripa zvakare mumwedzi mishomanana. (Hazvamboratidzi kushanda nenzira iyi nokuda kwehuwandu hwevanhu.) Sezvo zvakadaro, kana paine chero mukana wekuti iwe unenge uchida kushandisa mari kune chimwe chinhu kunze kwekuita imba yako kubhadhara kana zvichiitika kune imwe nguva, zvichida chinhu chakaipa. Icho chinonyatsouya kune kuzvidzora uye mutsa.
Imwe njodzi huru ndiyo muedzo wekuenda kune zvishoma zvishoma zvepakati pehutano hwekudzoka nekutsvaga mumari riskier. Iyi imwe nzira yezvemari inofanirwa nekuchengeteka kwevakuru. Kune vanhu vazhinji, izvi zvinoreva zvakanyanya kusungirwa mutero-zvakakosha zvakachengetedzwa zvakadai semari yemari yemari inotengeswa mumasuo ehurumende. Muzviitiko zvakasiyana-siyana, avo vane ruzivo rwakanyanya ruzivo rwemisika yakasiyana (yakadai sematokari kana zvivako) vanogona kuisa mari idzi nehuwandu huripo. Izvo zvakachengetedzwa pane zvese zvinoshandiswa kwemvura zvinowanzoonekwa seChinyorwa cheHaidersDirect chakazara neMarikiti yemari yepamusoro inobatanidzwa neUnited States Treasury Department.