01 Igunya leGqwetha leMicimbi yezeMali
Igunya lommeli lichaza umntu ukuba asebenze ngezimali zakho. Le nto ibaluleke kakhulu ukuba wonke umntu abe nayo. Ukuba uyalimala okanye ukhubazekile, okwethutyana okanye ngokusisigxina, kufuneka uqinisekise ukuba ukhethe i-agent ukunyamekela imicimbi yakho yezezimali. Akudingeki ube ngumdala ukufuna le nto. Abantu abaselula bayalimala kwiingozi kwaye banamaxesha okungafumaneki okanye ukungakwazi ukukhubazeka kanye nabantu abadala.
Uninzi lwabantu luya kuba nexesha elithile ebomini babo apho abakwazi ukunyamekela izinto ngokwabo-enoba bancinci okanye bakudala. Esi sisithuba sokuthi amandla egqwetha azalise.
Umlingane wakho akanalo igunya lokusebenza kuwe. Ukutshata nje akuniki umlingani wakho ukulawula imali yakho.
Izinto ezinokudinga ukuba zenzelwe wena ukuba ulwaphule okanye ungenakukhubazeka zihlawula iindleko, ukwenza iibango zomshuwalense, ukulawula utyalo-mali, ukufaka iintlawulo zeerhafu. Qinisekisa ukuba ubiza i-arhente-back-up xa umntu wokuqala ogama lingenakukwazi okanye angayi kukhonza.
Ukuba awukwazi ukunyamekela ngemali yakho kwaye awukhethi umntu njengommeli phantsi kwamagunya egqwetha, yodwa enye ingumgcini omiselweyo wenkundla . Leyo yindleko ephezulu kakhulu, engenakunzima kwaye eyimithwalo.
Ngamandla ommeli unokukhetha ukuba ngubani omele abe ngumgcini wakho ukuba kuyimfuneko ukuba ube nomgcini oqeshwe yinkundla.
02 Amandla weGqwetha leMicimbi yezoNyango
Ukuba awukwazi kwaye isigqibo kufuneka senziwe malunga nophatho lwezonyango, ngubani osenza isigqibo? Okanye ukuba unokukhubazeka, ngubani owenza izigqibo zonyango? Ngokufanayo kumandla emali wegqwetha kunye negunya lonyango okanye amandla omnakekeli wezempilo ummeli ukhetha i-arhente ukwenza izigqibo zonyango kuwe xa ungeke wenze oko ngokwakho.
Qinisekisa ukuba ubiza i-agent back-up xa umntu wokuqala ogama lingenakukwazi okanye angayi kukhonza. Olu xwebhu kufuneka lube nedilesi, i-imeyile, kunye neenombolo zefowuni zee-agosa ukwenzela ukuba ababoneleli bezempilo banokuzifumana.
03 Ukuphila
Leli igama elingavumelekanga lombhalo ochaza ukuthanda kwakho malunga nokuphela kokunakekelwa kobomi. Ukuba u-ad adwelwe ngogonyamelo akakwazi ukuchaza zakho iimfuno, unjani uhlobo lwenyango olufunayo. Ngaba ufanele ugcine kwi-ventilator, dialysis okanye ezinye iintlobo zonyango. I- intando ephilayo ibaluleke kakhulu kwintsapho yakho kunye nababoneleli ngeenkonzo zonyango - ichaza ngokucacileyo ukuba iziphi iimfuno zakho kwaye zinceda ukususa ukungathandabuzeki kunye netyala.
04 Ngaba
Ukuba uyafa ngaphandle kwentando, ummiselo wakho wesigxina saseburhulumenteni uya kupela ngubani ofumana ipropati yakho. Akungena ngokuzenzekelayo kwilizwe. Ukusabalalisa ngokuqhelekileyo yinto yesahlulo somlingane osindayo kunye nokulinganisela kubantwana okanye kubazali. Ukuba akukho mlingane ohlalayo, ke kubantwana, ngoko ke abazali, abazalwana, abantakwabo kunye nabantwana.
05 Utyalo lwabantu abancedisayo
Izicwangciso zomhlala-phantsi, ii-IRAs, inshorensi yobomi, i-annuities-bonke banike umnikazi ithuba lokukhetha umxhamli . Ukuba umxhamli utyunjwe, ezi zinto zihlawulwa ngqo kumxhamli. Abadluli ngokwemfuno.
Abantu abaninzi banamanani amaninzi kulolu hlobo lwempahla, ngokukodwa izicwangciso zomhlalaphantsi ezifana ne-4019 (k) kunye nee-IRAs. Ngelishwa, iifom zokwakheka zihlala zikunika isikhala esincinane ukuba ubhale iimfuno zakho. Musa ukubanjwa entolongweni! Bhala "jonga uqhotyoshelweyo" kunye nakwiphepha elilodwa lephepha bhala indlela ofuna ngayo inzuzo yakho. Qinisekisa ukuba uquka abaxhamli baninzi xa ngaba abaxhamli begama lakho bengasindisi.
06 Ukubuyisela
Njengaye nawuphi na uxwebhu olusemthethweni, kufuneka uhlale udibana nommeli. Qinisekisa ukuba ugqwetha odibanayo lwazi nolwazi malunga nokucwangciswa kwempahla. Cinga ngezinto ezi-5 ngaphambi kwexesha ukwenzela ukuba intlanganiso yakho kunye nommeli wakho uphumelele.