Indlela yokwenza izigqibo zokuthatha umhlalaphantsi ngokwahlukileyo
Nazi iinkalo ezintlanu apho izibini zingadinga ukulungisa indlela abazenza ngayo izigqibo zomhlalaphantsi.
1. Ukuyijonga njengeMali / Imali Yakho
Iingqabane ezininzi zicinga ngokuphathelele "imali yam" kunye "nemali yakho." Elinye iqabane lingatyala imali yabo yomhlala-phantsi ngokuzimeleyo ngelixa elinye iqabane lisenza ngendlela enobudlova.
Elinye iqabane lingenza igalelo eliphezulu kwiimali zomhlala-phantsi ngamnye ngonyaka, ngelixa elinye iqabane ligalela imali encinci kuphela.
Kukho imeko efanelekileyo, njengemitshato yesibini okanye yesithathu, apho isiqingatha ngasinye sifuna ukubheka izinto zabo njengabo, kodwa ngokubanzi, xa uceba ukuhlala umhlalaphantsi, ezininzi izibini ziya kuba ngcono ngokuthatha umboniso wendlu.
Ngokomzekelo, kuthini ukuba isicwangciso sakho somhlala-phantsi sinikeza inkcazo ephantsi kweendleko zokukhetha imali kunye nesicwangciso somlingane wakho unikeza inketho enkulu yeakhawunti? Ngokulungelelanisa imizamo njengendlu, unokufikelela kwimiphumo engcono kunokukhetha ukhetho lokuzimela ngokuzimeleyo.
2. Ukungaqwalasela ukuLingana koBomi, Ubunzima bobudala kunye neMpilo
Iingxaki ziphezulu ukuba omnye okanye omnye uya kuhlala ubomi obude kunokuba ucinge. Kufuneka ucwangcise oku. Nangona kunokuba nzima ukuxoxa ngexesha lokuphila , kubalulekile ukwenza njalo.
Yaye ukuba kukho ikhefu elidala phakathi kwabo bobabini, oku kufuneka kubandakanywe kwisicwangciso sakho sokuhambisa.
Ukwahlukana kweminyaka kuthintela njani ucwangciso lwakho? Omnye wenu unokufuneka aqale ukusasazwa okuncinci kumacandelo omhlala phantsi iminyaka emininzi ngaphambi komnye. Oku kuya kubakho ngokukhokelela kwindlela eyahlukileyo yokutyalomali kwi-akhawunti ekufuneka isetyenziswe ngokukhawuleza.
Ukongezelela, ukuba umntu usemncinci aze aphile ixesha elide, kungengqiqweni ukuthenga imali yokufumana imali engenayo kwi-akhawunti ye-IRA yaloo mlingane omncinci.
Ukwahlukana kwempilo kubalulekile njengoko kuthintela imfuno yakho yokunyamekela kwexesha elide, ukhetho lwakho (kunye neendleko) zezicwangciso zempilo, kunye neentlobo zemisebenzi oyisebenzayo ngexesha lomhlalaphantsi.
3. Ukukhetha iNtum ye-Lump okanye i-Single Life Pension Option
Kunzima ukuhlawula isamba semali. Abaninzi abasetyenzisiweyo ngemali kwisicwangciso somhlala-phantsi becinga ukuba kuya kuba ngcono ukuba bafumane imali kwi-akhawunti kunokuba bahlawulelwe kubo njengempesheni ebomini babo. Oku akusoloko kusisona sigqibo esona sigqibo.
Unako ukubala izinga lokubuyisela okuza kufuneka ufumane kwiimali-mali ukuze uhambise enye ingeniso yenkxaso yenkxaso yemali, kwaye kwiimeko ezininzi, kuya kuba nzima kuwe ukufezekisa inani elilinganayo lokubuyisela. Yilumke ngabacebisi abaxelela ukuba "bangenza ngcono" kunecebo lomhlalaphantsi.
Ubomi obungatshatanga kunye nemibandela yokuphila ngokubambisana nayo. Nasi omnye umzekelo wephutha elikhulu: Inkampani eyenza umtshato wesibini ukhethe ukhetho olulodwa lomntu phantsi kwempesheni yakhe (oko kuthetha ukuba inzuzo iyayeka xa efa) kwaye ngexesha elifanayo wenza umfazi wabaxhamli be-IRAs.
Wafa malunga neenyanga ezili-18 ukuya kumhlala-phantsi kwaye imali yakhe engama-6,500 ngenyanga yintlawulo yomhlala-phantsi yanyuswa ngokukhawuleza. Kuya kuba ngcono kuwo onke amaqela ukuba wayekhethile ukhetho lokuphila oludibeneyo oluqhubeka nomhlala-phantsi kumfazi wakhe wangoku kwaye washiya i-IRAs koonyana bakhe kumtshato wakhe wangaphambili.
4. Ukunyanzelisa ukungaboni kwiNkcazelo yezeMali / iLwazi
Kuyinto eqhelekileyo ukuba elinye iqabane lingummangaleli oyintloko. Omnye umlingane akahlali ekhululekile ukwenza izigqibo ezinkulu zemali okanye angenalo ulwazi okanye isakhono esetyenziselwe ukuvavanya ukhetho lokutsalwa okanye ukusetyenziswa kwemali enzima.
Umlingani omncinci osisigxina uya kuthatha njani izinto xa elahlekelwa ngumlingani wakhe? Ngaba baya kukwazi ukulawula imali eninzi, okanye bazi indlela yokukhetha umntu ofanelekileyo ukuba enze njalo?
Abadala baseMelika baye baba yiithagethi.
Iqabane lakho liza kuthatha njani umnxeba wokuthengisa okanye uxinzelelo lomntu onokusebenzisa amaqhinga okwesabisa, okanye "umhlobo" wamacandelo ukucebisa into engafanelekanga?
Ncokola ngokunyanisekileyo kunye nomlingane wakho malunga nale nto kwaye ubone ukuba yeyiphi na inyathelo abanokuyithatha ukuba baqiniseke ukuba basesandleni esihle ukuba le meko ivela.
5. Ukuqalisa ukhuseleko lwezeNtlalo ngaphandle kokuqwalasela abaPhezulu kunye noNcedo loMtshato
Iinjongo zokhuseleko lwezeNtlalo zine-inshorensi yobomi bomshuwalense abatshatileyo ababizwa ngokuba ngumntu osinda . Ngocwangciso oluncinane, unako ukufumana imali ephezulu evela kunomntu owenzela inzuzo enkulu, kwaye loo mali ephezulu iya kuqhubeka ebomini yowesifazane ohlala ixesha elide.
Ukongezelela, kwiimeko ezininzi, iqabane elincinane elifumana umvuzo linokuqokelela inzuzo yomtshato iminyaka embalwa ngelixa ulinde umvuzo wokufumana umvuzo wokuba uqale.
Ngenxa yazo zonke izigqibo ezikhoyo, ngaphambi kokuba iibini ezitshatileyo zifuneke zijonge indlela ukhetho lwazo lweNtlalo-ntle oluchaphazelekayo luchaphazela njani enye nendlela ekuchaphazela ngayo yonke indlu.
Kuthatha uxhulumano, kodwa njengethimba, unokufumana impembelelo engcono ngokucwangcisa ndawonye.