Kunzwisisa Kusiyana MuREDUX Uye Kusarudzwa kweMasoja
Iko kune zvikamu zviviri zvakasiyana zvakasarudzwa zvekurega basa zvinowanikwa kune nhengo dzevashandi vekuita basa rechiuto. Izvo ndezveZvinyorwa zvitatu uye mapurogiramu eRUPUX okurasikirwa.
Kunyange nhengo dzeuto hazviwanzo kunzwisisa migumisiro yekusarudza rimwe zano pamusoro peimwe.
Mukuru Wechitatu Gwaro Rekuita Basa reMasoja
Pasi pemitemo yeHurumende yechitatu yehurumende yekurayira basa, nhengo dzeMasangano dzakapinda mubasa mushure meJuly 31, 1986, dzinokodzera kugamuchira chikamu chepenjhenji ye50% pamakore matatu ekutanga ekubhadharwa kwawo. Gore negore iyo nhengo yeuto inoshumira mushure memakore makumi maviri ekuwana inovapa kuwedzera kwehuwandu hwe5,5% kusvika kune 50% mubhadharo. Saka, somuenzaniso, kana iwe waizoshanda mamwe makore gumi uye ukarega basa nemakore makumi matatu emabasa ekushanda kubva kumasoja, iwe unogona kukodzera penhenda inokwana 75% (50% + 2.5% x 10 mamwe emakore) kuripa.
Nhengo dzemauto dzine zvigaro zvezvikamu zvekubhadhara kwadzo. Zvizhinji zvezvikwereti zvavo zvinosanganisira mubhadharo wavo wepasi kana mubhadharo uye zvipo zvekuwedzera zvakadai semugove wekutanga weimba (BAH) uye chipo chekushandisa chezvinhu kana zvokudya (BAS).
BAH neBAS havakwanisi kuverengerwa mukuverenga kwekurega basa. Masoja chete anoyera mari yekurasikirwa kwayo mubhadharo pane nhengo dzebasa rekubhadhara mubhadharo.
REDUX Ndiro Nhepfenyuro yeHurumende yeHondo yeHondo yeHondo
Apo nhengo yeuto inosvika gore remakore gumi nemashanu rebasa, ane sarudzo yekugamuchira nguva imwechete ye $ 30,000 bonus, izvo zvino zvinomuda kuti apinde muREDUX rekushandira mari.
Pasi REDUX, Dhipatimendi rekudzivirira inotora chikamu chekushandira komutori pamutengo wakaderera we 40% yebhadharo yake yepasi panzvimbo yezvakadzama 50% kwemakore makumi maviri ekushandira.
Zvimwe zvikamu zverongwa hweREDUX rekurega basa zvishoma nezvishoma rinokonzera nhengo yebasa rose rekubhadhara mari. Kusiyana netsika yepamusoro yeHurumende yechitatu yekurambidza basa, REDUX inodawo kuderedzwa mumutengo wekurarama kwemari yekugadzirisa. Pasi pechigaro cheHurumende chechitatu chekusiya basa rehurumende, hurumende inobhadhara mari yekugadzirisa mararamiro gore roga roga maererano nekuwedzera kweVatengi Vekuda Indaneti (CPI). Asi, kana ukasarudza kugamuchira chirongwa cheREDUX chokubvisa mari, mari yekugadzirisa mararamiro yakaenzana neCPI kudarika 1% gore negore.
Sei REDUC ingave chiito chakaipa?
Tumi muzana yemari yako kubva panguva yaunotora mari (zvichida sekutanga kwemakore makumi matatu nemasere) kusvika pakufa kwako inenge yakawanda inowanikwa mari. Kusiyana kwe10% kwakasara pakati peR REDUX neHorld Three retirement plans zvingangodaro kuva mari yakawanda kupfuura ye $ 30,000 bonus yawakagamuchira kunyange kana iwe wakagamuchira mukana unoshamisa wekudzoka kubhonasi iyoyo.
Semuenzaniso, Sergeant First Class mu Army (E-7) inotora chikamu muna 2013 mushure memazana makumi maviri emakore ekushanda muuto rehondo inogona kutarisira kuwana mari inenge madhora 2 140 pamwedzi yehurumende yehurumende yepenjeni pasi pemutambo weHurumende Hwechitatu hwekusarura (50% yevhareji yeaakakosha zvikuru kuwana makore matatu - $ 4 281) kana $ 25,680 gore negore.
Nokudaro, aizongowana mari $ 1 712 pamwedzi kana $ 20,548 pagore kana ainge atora chirongwa cheRUSUX chokusarura.
Takatora chirongwa cheRUSUX chokusarura mari mari inoshandiswa nhengo dzemabasa mumuenzaniso uyu zvinodarika madhora 5,000 pagore mumararamiro ekurasikirwa mari. Izvi zvinogona kuenzanisa ne $ 150,000 kurasikirwa kwemari pamusoro pemakore makumi matatu ekurega basa (makore 38 kusvika 68) kwete kusanganisira mari yekugadzirisa mararamiro. Iko $ 30,000 iri kutanga kutarisa zvakadhura zvino, handizvo here?
Paunotora REDUX Unogona Kuita Sense
Pasinei nemabhonasi e $ 30,000 panguva yebasa rekushanda kwegore rechigumi nemashanu rebasa rechiuto, pane zvakakosha zvemari kubvuma chirongwa cheRUSUX chokubvisa mari. Asi, pangava nezviitiko zvishomanana apo kugamuchira kubviswa kwepabhesi kwechikamu chechikamu chemazana zvingagadzirisa pfungwa.
Nhengo dzakawanda dzemauto dzinogamuchira chirongwa cheRUSUX chokubvisa pabasa mukuedza kubhadhara chikwereti chikuru.
Kana kuti, vanotarisana nekorosi yemariji yezvikoro zvidzidzo kuvana vavo izvo zvavasina kuchengetedza panguva yebasa ravo. Kana kuti, vangave vachida kufunga nezvemari yekusungirirwa inotarisirwa mune tariro yekuita musiyano we10% mugore roga roga rokubvisa mari.
Kunyange zvazvo bhonasi ye $ 30,000 iyo yakabatanidzwa neREDUX yekurasikirwa chirongwa ichi chinogona kuonekwa semhepo yakanaka makore mashanu usati wasvika kumakore makumi maviri emari yepensheni, zvinokosha kuti unzwisise zvinogara kwenguva refu izvo zvichaita kuti uwane mari yekubvisa mari yakakwana. Inowanzooma zvikuru kuumba 10% inoshaya muhomwe uyewo 1% inorasikirwa gore negore kubva kumari shoma yekugadzirisa mararamiro. Kazhinji hazvikodzeri kuwana pfupi kwenguva pfupi pazvibayiro zvekugara kwenguva refu mubasa rekubhadhara mari paunenge uine makore akawanda.
Munyori wevatambi Hank Coleman ndiye Major muUnited States Army iye zvino ari kushanda mubasa rinoshanda. Hank inoratidzirwa kurwisana nemuvengi wemakore anopfuura 11 nekutarisa kwegore maviri kwebasa muIraq. Uyezve, Hank anonyora pamusoro pehupfumi hwake pa blog yake Mari Q & A. Iwe unogona kutevera Hank pa Twitter @HankColeman kana kuongorora podcast yake "Your Money: Zvaunosarudza" pane iTunes.