Iwe Unogona Kukwanisa Kubhadhara chete 25 ¢ pa $ 1.00 yeKodhadhi yako Chikwereti
Usati Watanga Chikwereti Chekwereti Chekwereti Nekutengesa
Chokutanga, tisati taenderera mberi, rega ndikutendese pamusoro pechisarudzo chekugadzirisa dambudziko iro pasina mubvunzo richikuita kuti uwedzere kushungurudzika. Haisi chakavanzika chokuti iwe usati waisa mari uye iwe uzvivakire pfuma iwe nemhuri yako, unofanira kuparadza yako kadhi rechikwereti chikwereti sezvazviri kazhinji ndechimwe che, kana zvisingaiti, zvikwereti zvinodhura zvikuru zvaunogona kuita; mari yose yemari inofarira inoyerera kunze kwemukova ipeni iwe usingashandisi kukura yako podfolio.
Chechipiri, regai ndikuvimbisei kuti zvinobvira kurarama pasina kadhi rechikwereti chikwereti. Zvechokwadi, kadhi rechikwereti rechikwereti harisi dambudziko kumhuri zhinji dzeAmerica; chinhu chakavanzika chokuti hakuna munhu kunze kwezvematongerwo enyika anoita seanoda kukurukura. Kuti ive yakanyatsotsanangurwa, inenge 1 kubva pa 2 mhuri dzeAmerica dzisina chikwereti chekwereti chikwereti kana kushandisa kadhi rechikwereti kuti zvive nyore uye pfungwa, kubhadhara chikwereti chakazara mwedzi mumwe chete.
Iwe unogona kubatana navo. Hazvisi zvisizvo kupedza hupenyu hwako hwakavigwa pasi pemutoro uyu.
Chechitatu, usati watarisa chikwereti chekwereti chechikwereti, ndinoenda kufunga kuti wakaedza nzira dzakadai sechando neyechando , izvo zvingabatsira kuderedza zviyero uye kusunungura kukwira kwemari nokukurumidza nekugadzirisa purogiramu yako yekubhadhara mune dzimwe nzira .
Pakupedzisira, patinopinda munyaya iyi, unofanirwa kuva wakagadzirira nekuda kwekuti kambani yako yekadhi yemakadhi ingasave yakagadzirira kufadza kana kutaurirana kugadzirisa chikwereti chekwereti chekwereti. Kana izvi zvikaitika, inguva yekufungisisa zvakanyanya kukurukura nezvekusarudza kwako neanopomerwa gweta. Mune mamwe mamiriro ezvinhu, zviri nyore zvikuru kuvakazve bhizinesi rako rega mushure mokunge zvikwereti zvako zvichibudiswa nemutongi, nokukurumidza zviri nani. Chikanganiso chinowanzoonekwa ndechekuti vanhu vanodhonza maakare akaita sa 401 (k) kana Roth IRA mukuedza kuzvichengetedza kubva pakuguma kwakadaro. Izvi zvinogona kunge zvisinganzwisisiki mapenzi sezvo iyo nhoroondo dzisingakwanisi kusvika kune vane chikwereti mumusangano wokuputsa, zvinoreva kuti, kana ukavakasiya zvakanyatsogoneka, zvinogona kuti iwe unogona kubva kunze kwechikwata chemhosva usingabhadharwi nemari yako yekusimwa ichiri kuunza zvikamu, chido , uye rents .
Chii Chikwereti Chekwereti Chekwereti Chekwereti uye Nei Kadhi Kadhi Kambani Inobvumirana kune Rimwe?
Makambani emakadhi emakadhi, akawanda ayo ane mabhangi , ane zvinhu zvakawanda zvinokosha. Yokutanga, hongu, ndeyekuita purofiti yekambani yemubereki uye vagoiri vayo (iwe unogona kunge uri mugoveri kuburikidza nemari imwe chete yaunobata mubhuku rekurega mari usingatombozvizivi).
Kana zvikava pachena kuti mumwe munhu angave asingakwanisi kubhadhara chikwereti chake, kuchinja kwekambani yekambani yekwereti kunoitika izvo zvinogona kushanda kuti iwe ubatsirwe. Bhizinesi kana kambani yekwereti yekwereti inova nehanya nechinhu chimwechete uye chinhu chimwe bedzi: kuwana yakawanda yemari yakadzoka kubva kwauri sezvaunokwanisa nekuvhara kana kuvharira kero yako. Sei? Izvi zvinovabvumira kuti vasazobhadhara mari yose pane zvinyorwa zvavo zvekuwana , izvo zvingaita kuti stock yavo iwire, kutarisira kuwana mabhonasi ezasi, uye zvichida kunyange chikamu chekugoverwa kune vagovana kuti vaderedzwe.
Kana iwe uchizivisa kubhadhara, zvinokwanisika kuti chikwereti chose chekwereti chekwereti chichatsvairwa nokuti kadhi rechikwereti chikwereti rinenge nguva dzose risina kuchengetedzwa. Izvi zvinoreva kuti haisi kutsigirwa nedaiti chaiyo kana pura yezvinhu izvo kambani yekwereti yekwereti inogona kubata muitiko yekusafa.
Zvose zvinokweretesa zvinofanira kuenderera mberi ndevimbiso yako isina kuvimbiswa yokuti iwe ucharipa chikwereti. Kusiyanisa izvi kune chimwe chinhu chakafanana nekutora chikwereti pamusha mako, icho chakachengetedzwa neimba. Kana ukakundikana kubhadhara chikwereti ichocho, bhagheni inogona kubata imba, kuiisa iyo kutengeswa kana kushambadzira, uye kugadzirisa zvimwe, kana zvisati zvese, zvemari yayo.
Usina humwe hutsika hwakasiyana-siyana hwemamiriro ezvinhu, kufungidzira kubhadhara kunenge kuri mamiriro ezvinhu akaipisisa kune kambani yemakadhi echikwereti nokuti zvinomira kurasikirwa nezvinhu zvose zvakuwedzere iwe. Izvi zvinoreva kuti vanogona kuwanzogutsikana nekutaurirana vari voga kumisangano yepamusoro we 75% yemari chikwereti, kukanganwira zvaunokweretesa mutariro yekudzosa chimwe chinhu.
Kana ukangoona kuti pane zvishoma iwe unogona kukwanisa kubhadhara chikwereti chako chekwereti chikwereti, kugadzirisa chikwereti chekwereti chekwereti zvichida kunotanga kuisa mafoni akawanda kumakambani ako kadhi rekwereti, uye zvichida kunyange mabhuku mashoma akanyorwa.
Ko Chikwereti Chekwereta Chekwereta Chekubhadhara Chinoshanda Sei?
Kana iwe wakatove uchinge washaya zvikwereti zvakati wandei uye unoziva kuti haisi mashematically zvichida iwe uchakwanisa kubhadhara chikwereti chako chekwereti chikwereti, zvinogona kuti chikoro chako chekwereti chave chave chagurwa kare. Kana iwe uchida kuedza nekugadzira chibvumirano chega nekambani yekadhi kadhidhiro musati waita bhokliya (bankruptcy), iyo inotanga paunodana kana kunyora kwavari. Izvi zvichida kuva chiitiko chinoodza mwoyo chinoda kutaurirana kwenguva yakawanda nevanhu vazhinji pamusoro pemazuva kana vhiki.
Kazhinji, iwe unoda kutsanangura kuti 1) uri kutarisa kubhadhara asi haufaniri kuisa, uye 2) uri kutarisira kubhadhara chikwereti chekwereti chekwereti chikwereti kuitira kuti iwe ugone kuva nechokwadi chokuti kambani yekadhi yemakadhi anowana imwe yemari yadzo kumashure kunyange kana isiri yakakwana, iyo iri nani kupfuura chinhu.
Kana kambani yekukweretesa kadhi rechikwereti ichida kufadza pfungwa yechikwereti chekugadzirisa, zvikwereti zvakakosha kuti ivo vachada chimwe chezviitiko zvinotevera.
- A Lump-Sum Credit Card Chikwereti Chetatu - Izvi zvinogona kunge zviri nyore kutaurirana semabhizimisi akawanda achange achida kufamba nemurwi wemari, kuderedza kurasikirwa kwavo. Kana iwe wakagamuchira bonus mubasa, nhaka, kana uchida kuparadza mari yako, iwe unopa mubhadharo wenguva imwe chete mukutsinhana kwekuregererwa kwese yakasara. Izvo zvakanakisisa iwe unogona kunge unogona kutarisira ndeye 25 ¢ pane dhora - semuenzaniso, kana iwe unokwereta $ 5,000, uchibhadhara $ 1,250. Kunyange zvakadaro, izvo hazvisi kuzova mamiriro akafanana. Dzimwe makambani dzinogona kutsvaga 40 ¢ nedhora, asi vamwe vangada zvimwe.
- Sangano Rokubhadhara Kubva Pamusoro Pezvaunowana Nemari - Chikamu chechipiri chakanakisisa, kambani yekadhi yemakadhi ingangoda kugadzirisa chikwereti chenyu chenguva yemari uye kushanda imwe yakarongwa yakarongwa yekubhadhara pane imwe muzinga yekutora. Nenzira iyi, pamusoro pemakore emakore, iwe unogona kubhadhara mubhadharo usingafungi nezve 15%, 20%, kana yepamusoro yekutora mari.
- Kushivirira Kwechigarire Chibvumirano - Zvizhinji zvinowanzoonekwa muzvinhu zvakadai sechikwereti chemari chikwereti, kushingirira kurongwa kunogona kushandiswa kubudirira mukugadziriswa kwekodhi yekubhadhara chikwereti chekwereti. Zvinonyanya, izvi zvinoreva kuti kubhadhara kwekambani yako ichave yakanyongedzwa, chikwata chekufarira chinotorwa pachikwata chakabvumiranwa pamusoro pacho pasina mhepfenyuro yakaderera kana chirango, uye hapana kubhadhara kunokonzerwa nenguva yakatarwa. Izvi zvichakupa mukana wokufema zvakakwana kuti uunganidze mari yekudzorera mari yako yakakwana pasina kuwira mberi uye mberi shure nekuda kwekudzvinyirira kwekuwedzera.
Dambudziko risina kukwana kuModhadhi Chikwereti Chetongwa
Zvinhu zvishomanana muhupenyu zvinouya pasina kusaderera uye kugadziriswa kwekadhi rechikwereti rekukweretesa chikwereti hakusi. Ramba uchifunga kuti:
- Nguva iyo iwe uchiudza kambani yako kadhi rechikwereti iwe une dambudziko rezvemari, kuwanikwa kwako kwekadhi rako rechikwereti rinenge rava kuda kuparadzwa, iyo nhoroondo yakanyanyisa, uye zvamamhosva mhaka dzinoramba.
- Chero chero zvikwereti zvekwereti zvekwereti zvekwereti zvichakanganiswa semari inotengesa kune zvinangwa zveHurumende, zvehurumende, nemitero yemunharaunda. Somuenzaniso, kana uchinge wakabatanidza zvose-muhurukuro inobhadharwa mutero ndeye 25% uye une $ 10,000 mukwereti yekwereti chikwereti chikanganwirwa, mutero wako wekubhadhara huchava $ 2 500 kumusoro kwahwo ungadai wakave wegore rekutere umo kukanganwirwa kwakaitika . Kana chikwereti chakakanganwirwa chiri $ 600 kana kupfuura, uyo anokweretesa achakupa Fomu 1099-C, Kuregwa Kwechikwereti kushandiswa mumutero wako wekutengesa. Usaedza kuedza kureva izvi sekuti IRS ichazoziviswa nezvayo nemutengi.
- Zvichienderana nezvakataurwa nezvinoitwa, kutaurirana nezvekugadzirisa chikwereti chekwereti chikwereti kunogona kuita kuti zvikwereke zvikwereti zvishoma. Izvi zvinogona kuderedza nguva yako kusvika kune imwe mari kubva kune imwe nzvimbo inokwereta sezvo iwe zvino wava kuonekwa senjodzi huru. Vamwe vanokweretesa vanogona kukubhadharai yepamusoro yemari yemari yekubhadhara nokuda kwekuwedzerwa kwatingaita. Mune dzimwe nyika, inshuwarisi yako mari yezvinhu zvakadai semishuwarenzi yemotokari ingasimuka. Zvechokwadi, kureba nekuoma kwemigumisiro iyi zvichange zvakanyanya kuipa nekunyora kwekudarika kuitira kuti zvigone kuve zvakakosha kuti zvipinde kuburikidza nekugadzirisa. Zvisinei, cherechedza kuti haisi dzose makatekiti nemvura.
Chinonyanya kukosha ndechokuti chibvumirano chekugadzirisa chikwereti chekwereti chikwereti chinogona kuva nzira inobatsira iwe kuti usapinda mudare rekubhadhara, kambani yekadhi yemakadhi kuti uwane imwe yemari yayo, uye mapato ose anotanga kuvakazve mhirizhonga yakaitwa kumabhadhiro avo uye mari mashoko kubva ku debacle. Zvichida, chinhu chinonyanya kukudzivisa kubva pakuchifunga, kana iwe unenge uchida chaizvo kutora mari yako, kuzvikudza. Hazvina kukosha. Funga kuyamwa iyo, kutora kurwadziwa kwenguva pfupi, uye kutanga kutora hupenyu hwako hwemari kumashure.