Dzidza Nekuunganidza Kuchengetedzwa Kwevanhu, Medicare uye Zvimwe
1. Haufaniri Kutanga Social Security Nokuda Kwekuti Unotora Basa
Vazhinji vakasiya basa vanoti kutya kwavo kukuru kunopera mari. Imwe nzira yekudzivirira pfuma yako yeramangwana ndeyokuita sarudzo yakanaka pamusoro penguva yekutanga yako Social Security.
Social Security inopa mari yekugadzirisa mari yakagadziriswa kwenguva yose yaunogara.
Kungofanana nokuti iwe unotora pamba pa 62, hazvirevi kuti unotanga kutanga kuunganidza Social Security pa 62 . Iwe uchawana rubatsiro rukuru kuburikidza kumirira kuunganidza kusvika iwe wakwegura, uye kune dzimwe nzira dzekuchengetedzwa kwehupfumi dzakaroorana nevarume vakaroorana vanogona kushandisa kuti vawane zvakawanda kunze kwekubatana kwavo kune zvavanogona kuwana kana mumwe nomumwe achiita chisarudzo chavo pachavo.
Sezvakangoitika, vakaroora vanoita sarudzo dzakanaka pamusoro pokuti uye nguva yekuunganidza zvipi zvingagamuchira zviuru zvezviuru mune zvekubatsiririra pamusoro pehupenyu hwavo hwekubatana pane avo vanounganidza pakutanga pasina kuongorora. Iwe unogona kushandisa Social Security calculator kuti uone musiyano pakati pechirevo chakanaka chisarudzo uye murombo.
Saka kana ukanonoka kuunganidza Social Security, iwe unobata pamba sei? Vazhinji vakasiya mari vanofanira kufungidzira kushandisa mari yavo pachavo kuti vafukidze mari yavo yekurasikirwa pavanonoka kutanga musi weChishanu Chekuchengetedzwa Kwadzo.
Izvi zvinogona kuvhara mune imwe yepamusoro yakagadziriswa mari yakapera gare gare uye inokubatsira kudzivirira kubva pakuwedzera mari yako.
2. Medicare Haikwanisi Kusvikira kusvika 65
Medicare inobatsira haisati yatanga kusvikira wava nemakore makumi matanhatu nemashanu. Kana iwe ukasimuka pa 62 iwe uchada kuve nechokwadi kuti unogona kuwana hutano hwehutano hwehutano hwakakwana kusvika pazera remakore 65 apo Medicare inobatsira inotanga .
NeChinakidza Care Care Act , iwe unobvumirwa kuti uwane ruzivo kunyange kana iwe uine mamiriro ezvinhu akambovapo - uye iwe haugone kukwaniswa kupfuura munhu ane hutano. Asi mutengo unogona kusiyanisa nenzvimbo uye vazhinji vanouya mubhadharo avo vanoshandira mari vanobhadhara inshuwarisi yavo vanobatwa nehuwandu hwehutano hwehutano hwehutano hungave.
Uyewo, chengetedza mupfungwa, Medicare haifaniri kuchengetedza mari yose yekutarisira hutano, saka vanhu vazhinji vanotenga huwandu hwehutano hwezvehutano kuti vatsigire Medicare avo. Tsvaga zvinyorwa pahutano hwehutano inshumo kuitira kuti iwe ugone kuvaka mari iyi mubhadharo rako rekugara .
3. Kubatanidza Mapato Ekubhadhara Kwekuda Kurega Kurairwa
Kana uine mari muIRAs, 401 (k) s kana mumwe muvakidzani akaritsigirwa zvirongwa, funga nezvekugadzirisa zvirongwa zvakasiyana-siyana zvekurasikirwa mune imwe nhoroondo. Vanhu vazhinji vanotenda kuti mari yavo yakachengeteka kana ichipararira kune dzimwe makambani akasiyana. Ichokwadi ndechekuti paunoshandisa guru rekuchengetedza mari rinozivikanwa iwe unogona kuvaka nzvimbo dzakasiyana-siyana dzekusimudza nekuva nemhando dzakawanda dzekutsvaga kwezvinhu zvose zvakachengetwa mukati mekodhi imwe. Izvo zviri pasi ndezvawe - hazvisi zvinhu zvekambani yemari. Izvi zvinoreva kuti pane zvishoma-kuchengetedzwa kwakawedzerwa kuburikidza nekuti mabhuku akapararira kune dzakawanda masangano emari.
Chimwe chikonzero chekubatanidza: pamitemo yemitero yemakore 70 1/2 inoda kuti iwe utange kutora kugovera s kubva kumakoro ako ekurega. Zviri nyore kwazvo kutevera mitemo iyi apo mabhuku enyu ekurega basa akabatanidzwa.
Uyewo chengetedza mupfungwa, kunyange zvazvo iwe usingafaniri kutora mari kubva muIRA yako kana mamwe mabhuku ekurega basa kusvikira makore makumi manomwe ½, kune vamwe vanhu zvingava zvine musoro kutanga kutora matanho musati wafanirwa kuita kudaro. Ichinoenderana nechepamusoro yako yebhasikiti yebhakoni uye mamwe mavambo emari yako. Kuti uone kana izvi zvakakodzera iwe, unogona kuda kushanda nemuchengeti wekugara muhurumende anonyanya kubatsira kubatsira vanhu kusarudza mari yakawanda yekushandisa mari yavo yekurasikirwa.