Cwangcisa phambili kwezi zigqibo ezi-5 ezibalulekileyo zomhlalaphantsi.
1. Unonophelo lwezeMpilo - iMipigap okanye iMicare Benevantage?
Izibonelelo zonyango ziqala ngo-65, okwenza kube lula ukuba uthathe umhlalaphantsi kuma-65 kuneminyaka engama-60 okanye-62. Kodwa ke, i-Medicare ayiyi kugubungela zonke iindleko zonyango lwakho.
Ngokomyinge, lindela ukuba likhuphe malunga ne-50-60% yeendleko zonyango oza kuba nazo. Ukufumana inqaku elongezelelweyo le-inshorensi yokuthenga i-inshurensi eyongezelelweyo (umgaqo-Medigap) okanye icebo le-Medicare Benevantage plan. Le ngenye yezigqibo oza kuyidinga ukwenza ezingama-65.
Ukongeza kwenkxaso yempilo yemveli, uya kufuna ukucinga ngendlela ofuna ukujongana ngayo neendleko zokunyamekela kwexesha elide ongayenza emva koko ebomini. Ukunyamekelwa kwexesha elide akukhona nje ngokunyamekela unyango. Iquka izinto ezinjengezinto ezilula njengoko zifuna uncedo ngemisebenzi emininzi yokuphila kwansuku zonke njengokucoca, ukupheka nokuhlamba. Abaninzi abadala bafuna olu hlobo loncedo. Unokuthenga i-inshorensi yonyango elide, okanye ucwangcise ukuhlawula le nkonzo ngaphandle kwe-pocket njengoko uyifunayo.
2. Ukhuseleko loLuntu: Qala ngoku okanye emva koko?
Kufuneka uqikelele ngokucophelela i-pros and cons from the start of Social Security kwiivesi ezingama-65 elinde iminyaka embalwa.
Ngoba? Ubudala bakho obuhlala phantsi (FRA) buya kuba neminyaka engama-66 okanye kamva, kwaye uya kufumana inzuzo encitshisiwe xa uqala phambi kwe-FRA yakho. Izinzuzo zakho zoKhuselo lweNtlalo ziyaqhubeka ukunyuka inyanga nganye e-FRA eyilindele ukuba uqokelele. Emva kokuba ufike kwi-FRA baqokelela into ebizwa ngokuba yi-credited delays credits.
Inzuzo ephakamileyo enokuyifumana ngokuqala izibonelelo emva kwexesha elizayo inganika umhlala-phantsi okhuselekileyo kwiminyaka yakho emva. Kwaye, ukuba usatshatile, le mali ephakamileyo inzuzo iba ngumntu osasazekayo, enika inhlobo enamandla yobomshuwarensi womshuwalense kuwo nawuphi na onokuhlala ixesha elide.
3. Ukuhlanganiswa kweeAR?
Ukuba unemali kwisicwangciso somhlalaphantsi emsebenzini, kuya kufuneka uqikelele ukuba kufuneka uqhube le mali kwi-IRA. Kulula kakhulu ukulawula ukugcinwa kwakho komhlala-phantsi xa udibanisa yonke iakhawunti yakho yomhlala phantsi kwi-akhawunti eyodwa ye-IRA. Uya kufuneka unqume ukuba yeyiphi iziko lemali lokusebenzisa, okanye ukuqesha umcebisi wezemali ukuncedisa.
I-akhawunti ye-IRA kufuneka igcinwe phantsi kwamagama ahlukeneyo ukuze ungazihlanganisi iakhawunti yakho yomhlalaphantsi kunye neakhawunti yomhlala-phantsi yomlingane wakho. Into ongayenzayo, qi ni sekise ukuba ubizwa ngokuba ngumzuzi weeakhawunti, ngoko ke ukuba kukho into eyenzekayo kumlingane wakho, ii-akhawunti zabo zokuthatha umhlalaphantsi zingezakho kunye nakwi-vice-versa.
4. Thatha i-Akhawunti yeRhafu yeNgxowa-mali ngoku okanye emva koko?
I-IRS idinga ukuba uthathe isabelo kwii-IRA kunye nezinye izicwangciso zokuthatha umhlala-phantsi ezifanelekileyo eziqala kwi-70 ½ yobudala. Nangona kunjalo, unako ukurhoxisa imali phambi kwalo nyaka, kwaye ngamanye amaxesha ngenxa yezizathu zerhafu kunengqiqo ukwenza njalo.
Ukuba ulibazisekile Ukukhuseleka kweNtlalo, kunye / okanye ube neqabane elincinane kunani, amaninzi amathuba okucwangcisa irhafu ekhoyo phakathi kweminyaka yobudala engama-65 no-70. Ukuba ingeniso yakho ehlawulwa irhafu ephantsi kule minyaka edlulisela imali ngaphandle kwe-IRA yakho iya kwenza ngengqiqo kwaye unokukunceda ukugcina irhafu kwithuba elide. Ingakhokhela ukuba i-CPA yakho, i-preparer yakho yerhafu, okanye umcwangcisi wokuthatha umhlala-phantsi asebenze ukuhlaziywa kwentela yonyaka emininzi ukuze ubone ukuba kwaye kufuneka uqale ukuthatha ukuthatha iinqununu.
5. Funani Iseluleko Sengcali?
Ukuhla kweenkcognitive kuye kwafakazelwa ukuqala kwiminyaka engama-60. Ngenxa yesi sizathu abaninzi abantu bakhetha ukuqesha umcwangcisi wezezimali okanye umcebisi-mali kumhlala-phantsi. Oku kunceda ukuqhubeka komlingane omnye onokungazilungeleli ukulawula imali yakhe xa esinye isiqingatha sidlula kuqala.
Kwakhona ingcinga efanelekileyo ukufuna uncedo ukuba awuqinisekanga njani ukuvelisa ingeniso kwimali kunye nokutyalomali.
Kwiimeko ezininzi umcwangcisi ozimele ozihlawulayo unokubonisa indlela yokuhlawula encinane irhafu ngexesha lokuthatha umhlalaphantsi, unokucebisa xa kufuneka ube yiNtlawulo yeNtlalo, unokubonisa indlela ukugcina imali enokuyenza ngayo ingeniso yempesheni, kwaye kunokukunceda ukuba ulinganise iinkonzo utyalo-mali olunjengeentlawulo, okanye izicwangciso ezifana nokusetyenziswa kwemali yokuthenga.