Le Yimibuzo Yomhlala-phantsi Eyona Ngayo Iyimfuneko
1. Ngimfuneko nini ukuba ndiqalise ukuthatha ukhuseleko loluntu?
Ixesha lokuthabatha umbuzo woKhuseleko loLuntu luphezulu kwoluhlu kuba kuyisigqibo malunga nawo wonke ama-America kufuneka enze. Ufumana ingeniso engaphantsi kwenyanga xa uqala izibonelelo kwangaphambili, kunye nengeniso yenyanga ngenyanga xa uqala izibonelelo kwixesha elizayo. Abantu abaninzi banokucinga ukuba sisisigqibo esilula - kwaye bathabatha inketho ebeka imali engaphezulu kwiipokethi zabo ekuqaleni.
Ukukhetha okulula njengale nto kunokuhlawula amawaka entsapho (kwezinye iimeko nakwikhulu lamawaka) zeenzuzo ezilahlekileyo. Kunokuba wenze isigqibo malunga noKhuseleko loLuntu ngokuzimeleyo kwimeko yakho yonke, kufuneka ukhangele indlela ehambelana ngayo ngokubanzi kunye nayo yonke imiba yesicwangciso sakho sokufumana umhlala-phantsi, njengokungena kwemali, ukuhlala ixesha elide, imfuneko yembuyekezo engenayo, inani iimpahla zakho zezimali, izicwangciso zakho zokusebenzela ixesha lokuthatha umhlalaphantsi kunye neemeko zakho zerhafu.
2. Ingakanani Imali Yami yokugqibela?
Lo ngumbuzo oqhelekileyo womhlalaphantsi, kwaye ngelishwa, enye yezona zinzima kakhulu ukuphendula. Ukuze uphendule kufuneka uqikelele izinto ezinjengexesha eliza kuhlala ngayo, ubuninzi obuya kuchitha, yintoni izinga lokubuyisela oza kufumana kwi-imali kunye notyalo-mali, yiziphi iintlobo zeendleko zonyango oza kuzenza, kwaye ziza kuba ziphi iirhafu zerhafu. Emva kokuba uqikelele ezi zinto, unokuqikelela ukuba uza kuhlala ixesha elingakanani umhlalaphantsi .
Nangona kunjalo, kunokuba ulungiselele "kwinombolo" kukulungele ukuza neendlela ezimbalwa ezahlukileyo ezibonisa ukuba uzakufuna phi ukuba ukubuyela kwakho kungaphantsi, nokuba uchithe ngaphezulu. Olu hlobo lokucwangcisa luza kukunika uluhlu lokulondoloza olufunekayo, endicinga ukuba luyindlela engcono kunokuba ijolise kwinani elilodwa.
3. Ingakanani Imali endiyifunayo ukuba ndiKhathathe umhlalaphantsi?
Njengombuzo womhlalaphantsi ngasentla, impendulo yalo mbuzo incike kwizinto ezininzi. Abanye abantu bachitha encinane kakhulu, basebenze kumsebenzi ofanayo babo bonke ubomi, kwaye baya kuthatha umhlalaphantsi kunye nomhlalaphantsi wenyanga. Basenokufuna imali encinci ngaphaya komhlalaphantsi ukuze bafumane ubomi obukhululekile. Abanye abantu basetyenziselwa ukuchitha ezininzi kwaye abanalo ipensheni. Baya kuthi badinga imali eninzi yokonga ukuxhasa indlela yabo yokuphila okanye baya kufuna ukufumana indlela yokuphila ngokuzonwabisa ngokuncinci. Ukuba ufuna ukuza uqikelelo lweemfuno zakho zemali yomhlala-phantsi apha unamanyathelo amane ongayisebenzisa ukuqikelela ukuba uzakufuneka uthathe umhlalaphantsi .
4. Ngaba ndimele ndithenge i-Annuity?
Imali yintengo yomshuwalense eqinisekisa ingeniso yakho yobomi. Ukuba uneminye imithombo yengeniso eqinisekisiwe njengeSondlo soLuntu kunye nomhlalaphantsi, kwaye loo mithombo ifaka iindleko ezininzi zokuhlala kumhlala-phantsi kwaye mhlawumbi awunayo imfuneko yokuqinisekisa enye ingeniso. Nangona kunjalo, ukuba ungenayo imali eninzi eqinisekisiweyo, kuya kuba nengqiqo ukuthatha i-savings yakho kwaye uyisebenzise ukuyithenga i-annuity iya kuqinisekisa inani elincinci lemali engenayo. Esi sinqumo, njengezigqibo ezininzi zezemali, yinto eyenziweyo eyona nto iyenziwe njengenxalenye yesicwangciso sezimali esipheleleyo.
5. Ndiza kuchitha ixesha elingakanani?
Abanye abantu bachitha ngaphezulu xa bekhulile umhlalaphantsi; Bahamba okanye baqhube ngakumbi kwizinto zokuzilibazisa ezifana negalufa, ukushushuluza, ukuhamba ngeenqanawa, njl. Abanye bafumanisa ukuba bachitha imali encinane njengoko bengasayi kuhamba, ukuhlawula ukucoceka ngokucokisekileyo, okanye ukutya okuninzi. Ukuqaphela ukuba ungayichitha ixesha elingakanani umhlalaphantsi kuqala uhlale phantsi kwaye uhlole iindleko zakho zangoku. Emva koko uqikelele ukuba yiziphi izinto ezinokunyuka okanye ukunciphisa ukuza nebhajethi yomhlalaphantsi . Ukuba umqeshi wakho akanikezeli isicwangciso socwangciso lwempilo yabathathe umhlala-phantsi, qinisekisa ukuba uyayifaka kwiiprayimari zokunakekelwa kwezempilo eziya kufuneka uzihlawule.
6. Ndiya kulihlawula njani iindleko zonyango kwiRhafu?
Ugqirha lwezempilo lwempilo luqala ngo-65 ubudala, kodwa, ngokuqhelekileyo, luya kufikelela kuphela malunga ne-50% yeendleko zakho zonyango zonke kwi-retrait . Uza kuba neendleko zesikhwama sokunakekelwa kwamehlo, amazinyo, ukuva, ukuhlawula i-premium, ii-premium ze-Medicare Part B kunye nama-premium zezinye iinkqubo zomshuwalense ongezelelweyo ongazithenga njenge-Medigap nkqubo kunye ne-inshorensi yonyango elide.
Iindleko zonyango ziyahluka ngokubanzi ngendawo yokuhlala, kodwa ngokulinganayo, kulindeleke ukuba uchithe malunga ne-$ 5,000-$ 10,000 ngonyaka ngomntu ngamnye.
7. Ngaba ndimele ndiwuthabathe iPensheni njengeSump Sum?
Amapensheni amaninzi anikezela isithuba semali okanye isithuba sokuhlawula imali esihlawula imali engenayo ngenyanga. Ndibona abaninzi abantu bathabatha isamba semali ngaphandle kokuhlalutya ngokucophelela iziphumo zokuphila zabo zokukhetha. Xa ukhangela ixesha lokuphila, inketho ye-annuity ingaba yinto engcono kakhulu kunokuba isamba semali. Qinisekisa ukuba uhlolisise ingcinga yakho yepenshini ngokucokisekileyo ngokubhekiselele kwimifanekiso yakho yonke yemali ngaphambi kokuba wenze isigqibo.