Ukwenza ezi mpazamo zoCwangciso lweZakhiwo zingabangela ukuqhuma kweNdlela
Ukucwangciswa kwezindlu akuyiyo into abantu abaninzi abafuna ukucinga ngayo, kodwa kubalulekile kwisicwangciso sakho sobomi. Ukucwangciswa kwezindlu kuya kuqinisekisa ukuba abathandekayo bakho banezinto abazifunayo xa usugqithisile. Kubalulekile ukuba uqaphele ukuba kukho iingcinga ezininzi kunye neengcamango eziphosakeleyo apho malunga nokucwangciswa kwezindlu, kodwa uqonde ukuba ukuba unesixhoba sale nyaniso, uya kushiya intsapho yakho xa uhamba.
Ukubeka isicwangciso endaweni yinto engcono kakhulu ongayenza ukuze uqinisekise ukuba iintsapho zakho kunye neenjongo zemali zanyamekelwa kwaye abantu abashiye emva kwakho bayazi ukuba ufuna.
Kwizinto ezininzi zokucwangciswa kwezindlu kunye neengcamango eziphosakeleyo, ezi zilandelayo sizivayo rhoqo. Qinisekisa ukuba ukuba kukho na enye yalezi ziqhelo eziqhelekileyo ukuba kukulungele ukucinga ngokukhetha kwakho. Musa ukucinga ukuba iimeko zakho zikunqanda ukuzenza ezi zigqibo zobomi obubalulekileyo.
1. Ucwangciso lwezindlu luhlala nje kubabutyebi. Ucwangciso lwezindlu lusebenza kuwo wonke umntu, kungekhona nje ngabantu abacebileyo. Akunandaba nokuba unayo kangakanani kwiakhawunti yakho okanye zingaphi izinto ezixabisekileyo oziphetheyo. Ufuna ukuqiniseka ukuba nantoni na oyenzayo iya kumntu ozikhethile.
2. Ndimncinci kakhulu ukuba ndingakhathazeki ngokucwangciswa kwezindlu. Ngelishwa, sonke siyazi kakuhle ukuba ubomi bunokutshintsha kwi-dime. Inyaniso kukuba, akunandaba nokuba singakanani ubudala okanye ubunjani bendawo esinokuyinyamekela ngayo, ukubeka isicwangciso sinyathelo ngokukhawuleza kunokwenzeka into enokuyenza wena nabathandekayo bakho.
3. Nditshatile, ngoko ke yonke into iya kuhamba kumyeni wam. Nangona utshatile yenza ukwahlula i-asethi yakho kubonakala kulula, kukho izinto ezininzi ezingatshintsha oko. Kuthiwani ukuba iqabane lakho liphinde litshatile okanye ukuba wena kunye neqabane lakho nidlula kunye? Kuthekani ukuba kukho izinto ezithile onokuthanda ukuya kuzo kubantwana bakho?
Ezi ziganeko zivela rhoqo, kwaye ngaphandle kwecebo lepropati, ziyakushiya iimali zakho zidibene.
4. Intsapho yam iya kwenza "into elungileyo." Nangona ithemba liyiyo intsapho yethu iya kuhlonipha iinqwenela zethu kwaye yenze into elungileyo, into efanelekileyo enokuyenza kukuba ubhale phantsi ukunciphisa nayiphi na into enokuyenza. Ngokwenza izifiso zakho zicacwe ngokucacileyo, ungathemba ukuba intsapho yakho iya kukunyamekela izinto ngendlela oza kuyenza.
5. Andikho ukulungelelanisa iakhawunti yomhlalaphantsi okanye i-inshorensi. Nangona kubonakala ngathi u-401 (k) kunye ne-inshorensi yobomi bayingxenye yefa lakho, kufuneka bafakwe xa beceba abaxhamli bakho kunye nokwahlukana kwamafa. Khumbula, umntu oyikhethayo ukufumana imali kwiingxelo ezifanelekileyo kufuneka afane nomntu oboniswe kwisicwangciso sakho sempahla.
6. Ukuthobela iimeko ezikhoyo. Ukucwangciswa kwezindlu akuyona nje into elula njengokuba utyumba umxhamli kwaye uyishiye kuloo nto. Kufuneka uthathe ingqalelo kwiimeko ezinokuthi zithini ukuba umntu othemba ukufumana ifa lakho lidlula? Okanye kuthekani ukuba loo mntu akasakwazi ukwenza izigqibo zakhe? Qinisekisa ukuba unezinye izicwangciso zeefayili zakho xa imeko iguquka.
7. Unxibelelwano luphambili. Xa uceba indawo yakho, qi niseka ukuba uthethe kunye neendlalifa zakho kunye nabathandekayo malunga nezicwangciso zakho. Imiba idlala yonke imihla apho umntu othandekayo efa kwaye abantwana bakhe baqala ukuhlula izinto zabo, ukuvala ii-akhawunti zebhanki, kunye nokunye okuninzi ngaphandle kokukhathazeka ukufunda naziphi na iimpepha zezindlu. Imigaqo-nkqubo ye-inshurensi, iimpahla kunye neepropati zingahamba zingabonakali ngaphandle kwanxibelelwano. Vumela abathandekayo bakho bazi oko ucebayo kunye nawaphi na amanyathelo ongathanda ukuba athathe emva kokuba uhambe.
8. Ukuzama ukwenza wonke umntu onwabileyo. Kukho ilizwi eliya "unokukholisa abanye abantu ngexesha elithile, kodwa awukwazi ukukholisa bonke abantu ixesha lonke." Oku kunjalo nokucwangciswa kwezindlu. Uya kudala intando, ulwahlule i-asethi yakho, kwaye wenze yonke into ebhaliweyo ngokuqinisekileyo oyifunayo, kwaye kunjalo, umntu akayilo.
Kodwa khumbula, yindawo yakho, kwaye kufuneka uzinakekele njengoko ubona kufanelekile.
9. Cwangcisa konke ngokwakho. Ukucwangciswa kwezindlu akuyiyo iprojekthi yakho. Uya kufuna ngokwenene ukuthetha nomqeqeshi-umcebisi wezemali kunye nomcebisi wezinto ezizaziyo owaziyo nokuphuma komthetho xa kuziwa kwiirhafu, ukuzithemba nokuthanda.
10. Ukungaphumeleli ukuhlaziya amaxwebhu. Ukucwangciswa kwezindlu akufanele kubhekiswe njengokuthi "yibeke kwaye uyibale." Uya kufuneka ukuba wenze izilungiso kunye noshintsho ubuncinane kanye okanye uya kulahleka amaninzi amanqaku kwi-puzzle yakho yezemali. Ii-asethi ziya kukhange ziqaphele ngokupheleleyo, i-akhawunti ayinakuqwalaselwa, kwaye utyalo-mali osebenze kanzima ukuze lungabi nantoni.
11. Ukungaphumeleli ukubeka ingqalelo kwiimpahla ezidibeneyo. Ukuba wena kunye neqabane lakho nidibanise iimpahla zenu ukudala ifa elikhulu kuni bantwana kunye / okanye abathandekayo, awufuni ukungawunaki iimpembelelo ezinokubakho zerhafu ye-federal tax estate. Ukushiya yonke ifa lakho kumlingane ongenanto yerhafu, kodwa ukuba nonke nidlula, imithetho iyahluka. Thetha nomcebisi wezemali ukufumanisa indlela efanelekileyo yokukhetha umxhamli ukuze ukhusele iirhafu ezinkulu kwifa lakho.
12. Ukungacingi ngokunika izipho ezithile ngaphambi kokudlula kwakho. Ukuba unempahla emininzi kwaye ufuna ukuphepha ukuthathwa kweerhafu, unokufuna ukuvavanya abanye babo kwaye ucinge ngokuzipha izipho kubathandekayo bakho ngaphambi kokuba udlule. Ngonyaka ka-2015, ukukhutshwa kwentela yesipho somthetho kukuvumela ukuba unike isipho ukuya kwii-14,000 zamawaka kubantu abaninzi njengoko unqwenelayo ngaphandle kokuba kubalwa ngokuchasene ne-$ 5.43 yezigidi zempahla.
Qinisekisa ukuba uqonde iinjongo emva kokucwangciswa kwempahla kwaye ungacingi ukuba iimeko zakho azikuthinteli ekwenzeni ezi zigqibo ezibalulekileyo zobomi. F
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.