3 Matanho Ekuti Uite Zvakawanda Zvokuchengetedzwa Kwemagariro Evanhu Pakurasikirwa
Paakasaina Social Security kuva mutemo muna 1935, Roosevelt akati. "Hapana chemari yemari yakabhadharwa kune mumwe munhu mubatsiro kana mu inshuwarisi inoparidzira chero chinhu chinosvika zvakawanda.
Asi ivo vachapa izvo zvishoma zvingoda kuti varambe vachiita ... "
Ndizvo zvakadaro. Asi nhasi Social Security inopa 35 kubva muzana yevakabhadharwa ne 90 muzana kana yakawanda yemari yavo yemwedzi.
Kuwedzerwa kwedu-kudarika kwehupfumi hwevanhu, iyo inobhadhara muvhareji we $ 1,180 chete pamwedzi, inonyanya kukosha kwekuchinja mumabasa anobatsira uye sangano. Pamwechete pensions pensions, iyo imwechete yekona yekubhadhara mari, inenge yakanyangarika, yakatsiviwa ne 401 (k) nemamwe mapurogiramu ekuchengetedza anoda kuti isu zvikuru tive mari yedu yekuchengetedza uye kusachengetedza zvakashata kusvika kune chinangwa ichocho. Munguva iyi, isu tiri kurarama kwenguva yakareba, tine vana gare gare muupenyu uye kazhinji tinotsigira vabereki vakwegura - vose vari mune hupfumi husina kunaka. Izvi zvinogona kukanganisa kukanganiswa kwevamwe vaviri vanoita basa rekuchengetedza mari.
Kana uri kutarisana netarisiro yekuvimba neSocial Security mukurega basa, kune matanho aunogona kutora kuti uite zvakanyanya izvo zvishoma-kupfuura-zvakanakisisa mamiriro ezvinhu, kunyange iwe uri pedyo nezera rekurega basa.
1. Max Out Your Benefits
Iva nechokwadi chokuti iwe unoshanda makore makumi matatu, kunyange kana izvo zvinoreva kusundira kudzokera kwako. Social Security benefits inobva pamakore makumi matatu ekukwanisa kubhadhara . Shanda zvishoma kudarika makore makumi matatu uye makore asina kukwana anopinda mukuverenga semafuta emaoose, izvo zvinogona kuderedza zvakanyanya kubhadharwa kwemwedzi pamwedzi.
Paunenge uchishanda, wedzera mari yako. Kana iwe uri pamusoro pemari yekubhadhara mubasa rako rebasa, funga nezvekutora basa rechipiri. Chinhu chipi nechipi chaunoita kuti uwedzere mari yako yegore rose ichabhadhara kwenguva refu paunofanirwa kuongorora Social Security check. Unoda kutarisa kuti uri kuitei? Iwe unogona kuwana tsananguro yakazara pamusoro pewebsite ye Social Social Administration.
2. Bvisa Kubata Kutora Makomborero
Iwe unoda kuve nechokwadi kuti iwe wakamirira kusvikira iwe uchinge wakazara makore ose ekurega basa kuti utange kuda kubatsirwa. Nguva yako yakazara kana "yakasununguka" yekurega basa, sezvinotsanangurwa neSocial Security Administration, iri pakati pe65 ne67; zvichienderana negore ripi rawakazvarwa naro.
Kusarudza kutora kugovera kwekutanga kuchaderedza mwedzi wako wekubhadhara mari yemari yehupenyu. Kana iwe uchikwanisa, dzokerazve kuisa muzvikomborero zvako kusvikira wava nemakore 70. Izvi zvichakuwana izvo zvinonzi Social Security Administration inoshevedza "kunonoka kubhadhara chikwereti." Zvikomborero zvako zvinowedzera 8 muzana gore roga roga unononoka kutenga Social Security mari kusvikira makore 70. Kurindira kusvikira iwe hit 70 inoshandura mune imwe chetatu mari yakawanda yehupenyu.
3. Enda kuNzvimbo Isina Zvishoma
Funga kutamira kune imwe nzvimbo inodhura kuderedza mari yako yekurega basa. Iyi tsika-inoremekedzwa inobatsira kutsanangura kuenderera mberi kwekutama kwevakuru veAmerica kubva munzvimbo dzakadai seNew York uye Massachusetts kusvika kuFlorida neNorth Carolina.
Kune nhamba ipi zvayo yemaguta maduku maunogara mairi hupenyu hwakakwana uye huvhara mari yako yakakura - dzimba, zvokudya, uye nezvera - pane izvo iwe nemumwe wako munogamuchira kubva kuna Uncle Sam. Unogona kufunga nezvekufamba kune imwe nyika kune imwe yenyika dzeCentral uye yeSouth America dzinogamuchira vakunda vekuAmerica nemashambirwo, mararamiro ari nyore, mararamiro emazuva ano uye mari shoma yekurarama.
Zvakanaka, Social Security inofanira kuva imwe chete yemari inobhadharwa mumari yako yekubvisa mari . Kuponesa, basa rekugadzirisa nguva uye kunyange mari yekubhadhara inofanira kunge iri mumusanganiswa. Asi hupenyu hunoitika - dzimwe nguva nekutyisa nguva. Kana zvinhu zvichienda kune dzimwe nzvimbo, zivai kuti kuburikidza nekushandisa nzira idzi iwe unogona kunge uine hupenyu hukuru hwehupenyu huri shure, uchitsigira nezvezvikomborero zvawakatanga kuwana muchikoro chesekondari semusiteresi kana gesi pombi jockey.