Shandisa izvi zvitubu kuti urambe uchibhadharwa mushure mokunge wabuda kunze kwehofisi.
Pane nzira dzakasiyana-siyana dzokuramba uchibhadhara mushure mekunge iwe wakanamatira pamba iyo yegoridhe uye usabvisa office yako.
Kuparadzanisa zviwanikwa zvekuregererwa kwemari yako kunotora kuvhara dendere rako denga, kukudzivirira kubva pamusika kusagadzikana uye, pane dzimwe nguva, kunopa mari isiri yemari.
Heano mamwe mararamiro anowanzoita zvekurega mari. Zvichienderana nezvinangwa zvako uye mamiriro ako, zvimwe zvezvinhu izvi zvinogona kubhadhara zvinokosha pamwedzi, asi vamwe vangangopa bheri kana kudya kwemasikati.
Mari Inowanikwa
Paunenge uchiwana makore / kuponesa kwemakore, bhadharo rako rekutsvaga mari rinofanira kutarirwa pamakwenzi ekuwedzera - zvikamu zvinotarisirwa kuwedzera kuwedzera kwekukosha kwemakore. Asi sezvo iwe uri pedyo nekurasikirwa, funga kuchinja kushivirira kwako kune zvinhu zvinowedzera kufarira, kusanganisira mashizha anokwereta zvikwereti, uye zvisungo, izvo zvinobhadhara chido. Iwe unogonawo kufunga nezvekutsvaga mari muReits, iyo inotengeswa pachena pamabhasikiti edzimba dzimba holdings; preferred stock; uye Master Limited Partnership, iyo inokubhadhara chikamu chezvigamuchiri pamashandisirwo ekuchengetedza magetsi uye nzvimbo dzokufambisa.
Paunenge uine mari yekuchengetedza, mari inogadzirwa nematambudziko aya inofanira kuiswa zvakare kune turbo-charge kukura kwedendere rako. Paunotora mari, iyo madhora anogona kuenda zvakananga kubhengi yako yebhangi.
Social Security
Hongu, Social Security ichave imomo apo iwe uchisimuka, kunyanya kana uri mumakore ako makumi mana.
Zvingaita kuti, sechikamu cheimwe nguva yemberi yekugadzirisa kwehurongwa, unogona kugamuchira zvishoma zvishoma pamwedzi kubatsirwa kupfuura nhasi vatizira, asi iwe uchabhadharwa.
Kukura kwechitsva chako che mwedzi kunotarisana, zvikuru, chikamu paunosarudza kutanga kutora rubatsiro. Iwe unogona kutanga kutora Social Security kubatsiro paunenge uine makore makumi matanhatu. Asi kana iwe ukadaro, cheki yako ichagara iri makumi matatu kubva muzana kubva pasi pane iwe kana wakanga wakamirira kusvikira wako wezera rose rekurega basa, iro rinopera nguva imwe pakati pemakore 66 ne 67, zvichienderana neiyi gore iwe wakaberekwa. Yambiro: Kana iwe ukatora basa mubasa rekusununguka usati wasvika muzera remakore ekuzorora, zvikomborero zvako zvinogona kumiswa kana kuderedzwa.
Zvaunogona kuita mwedzi miviri zvakabhadhara zvichakura zvingasvika 8 muzana gore roga roga zvausina kutora Social Security - kusvikira makore makumi manomwe apo inopera. Izvozvo hazvireve kuti iwe unofanira kumirira kusvikira iwe uri makumi manomwe. Nhamba ipi neipi yezvikonzero ichaita kuti uite chisarudzo ichi, kusanganisira hutano hwako nemari. Pasi rezasi: Tora rubatsiro rwako apo iwe unonyatsoda kuti uratidze zvaunoda.
Rental properties
Izvi zvinogona kuunza ruzivo rwakakwana rwemari kana iwe uchida kutora pane dzimwe nguva basa rokukuya wekuva muridzi weimba.
Unopinda sei mumutambo wekurenda? Kana uri kutamira paunenge uchirega basa, funga kubhadhara imba yako ikozvino panzvimbo yekuitengesa.
Kana iwe wakanyatsotsigira mari yako yekubvisa mari, uye uchiri nemari yekuisa mari, tarisa kutenga chivako chinotora kana maviri.
Imba inogona kunge inonyengera, kunyanya kuveki. Dzidza kumusoro pamusika usati waenda kumutambo wekurenda. Funga kwenguva refu uye zvakaoma nezvehuwandu hupi hwehupenyu hwako huri shure-huno hwaunoda kupedza kutarisira zvikwereti zvako. Imwe nzira ndeyokubhadhara kambani yekufambisa. Izvi zvinoderedza misoro yako - uye yako mari.
Chikamu-Nguva Jobs
Funga nezvekugadzirira basa , kunyanya mumakore achangobva kushanda. Basa rebasa rimwe chete rinogona kuunza mari inofadza, kunyange iwe unongoshanda maawa 10-15 pavhiki. Zvakare, kushanda kunogona kupa sarudzo, kushamwaridzana nevanhu uye pfungwa yechinangwa, izvo zvose zvinokosha pakugadzirisa basa rekugadzirisa basa. Usatora basa rakaipa rinokuvadza kungoita zvishoma zvishoma.
Tarisa gig inopa zvido zvako. Kana iwe uchida gorofu, tora basa kunharaunda yako. Kana iwe wakanaka nevana uye piyano, ipai zvidzidzo kana kuva mumiririri mudzidzisi mudzidzisi.
Ingoyeukei: Kana ukagamuchira Social Security musati wanyatsozadza makore (rimwe nguva mushure mekuberekwa kwako kwema 66) basa rebasa rimwe chete rinogona kukonzera kuderedzwa kana kumira kwezvibatsiro zvako.
Pensions
Kamwe chete ibwe rekona rekurega mari, pensions yakaisvonaka chinhu chekare munharaunda. Asi ivo vari kuenderera mberi munharaunda yevanhu vose, uko kubhadhara kwenguva yakareba kubhadharo kunobatsira kubvisa mibare yakaderera miripo yakabhadhara kune vadzidzisi, vanoisa moto, uye mapurisa.
Kana iwe wakabata mabasa akawanda mubasa rako zvingave zvakakodzera kutarisa kumashure kuti uone kana uri kukodzera chero upi zvake hwepenjeni. Inogona kunge iri madhora mashomanana pamwedzi, asi dhora rega rega, rakarurama?