Imithetho yeThumbana ingaba yisikhathi - Zizinto ezimbalwa ezingenakusebenza
Xa kuziwa kwimali, izinto zitshintsha kwinqanaba lomkhonto kwaye ngokuqinisekileyo ziyinyaniso malunga nezigqibo zomhlalaphantsi. Izigqibo ezininzi zokuthatha umhlala-phantsi zisenziwa ngokusekelwe kubulumko obuqhelekileyo. Ngamanye amaxesha, ngeenhlanhla, ezikhokelela kwisigqibo esifanelekileyo kodwa ngokuphindaphindiweyo isiphumo sishiya umntu onemiphumo emihle-engekho enkulu. Ngezantsi zingama-7 ezithatha umhlala-phantsi zomhlala-phantsi zihlala zihlala kwindawo yokucwangcisa imali.
1. Thatha iNgcaciso yeNhlalakahle Ekuqaleni - Kungenakubekho
Abantu abaninzi banokucinga ukuba kufuneka bathathe iNgcaciso yeNtlalontle kwiminyaka yokuqala kakhulu .
Esi sisigqibo esifanelekileyo kwicandelo elincinane labantu. Ngokukodwa umntu otshatileyo kwaye wayengummeli ophezulu, ukuthatha i-Social Security ekuqaleni kungakulimaza ukhuseleko lwakho lwexesha elizayo. Esikhundleni sokuba "uthathe i-Social Security ekuqaleni, thabatha xa kusemgangathweni ngemali. Oko kuthetha ukudala isicwangciso semali esicacisiweyo, ngokuphindaphindiweyo ngokubonisana nochwepheshe. Olu hlalutyo lufanele luqwalasele ukulindela ubomi, isimo somtshato esidlulileyo kunye nesimo samanje, inzuzo yomtshato kunye nokusinda, ukunyuka kwamaxabiso, kunye neemfuno zengeniso yokuphila.
2. I-Medicare iza Kufihla zonke iindleko zonyango
Abantu abaninzi bacinga ukuba xa beba ngu-65 abayi kuba nexhala malunga neendleko zonyango kuba i- Medicare iya kugubungela ezo ndleko . Nangona ugqirha lwe-Medicare luqala ngo-65, luza kufikelela kuphela kwisiqingatha seendleko zakho eziphathekayo zononophelo lwezempilo. Esikhundleni sokuba "i-Medicare iza kuwugubungela," phila kwingqondo ye-Medicare ibe yincwadana yesicwangciso sakho solawulo lwezempilo.
Mhlawumbi ufuna i-Medicare Supplement okanye i- Medigap umgaqo-nkqubo wokunceda uvale ikhefu kwi-coverage.
3. Musa ukurhoxiswa kwi-IRAs kunye neAkhawunti yeRhafu yomhlala-phantsi ukuya ku-70 ½
Kubantu abathile oku kunengqiqo, kodwa kwabanye, kungenangqiqo. Xa ukhangele ingeniso yakho yomhlala-phantsi ngokubanzi, ucinga ngawo yonke impahla yakho kunye nemithombo yengeniso njengeziqwenga ze-puzzle.
Emva koko, njengokuhlanganisa i-puzzle, ubabeka ndawonye ukudala umfanekiso. Xa ukhangela ngale ndlela, ngamanye amaxesha ufumana umfanekiso olungcono (njengengeniso engaphezulu yempilo) ngokurhoxisa kwiakhawunti yomhlalaphantsi ngaphambili - kungekudala. Kwakhona, indlela yokwenza isigqibo ngexesha elona xesha elifanelekileyo lokurhoxiswa kwemali kukufumana isicwangciso somhlala-phantsi oqwalasela yonke imithombo yemali engenayo.
4. Hlala ngaphandle kweNzala kunye neSahlulo
Amanani omdla awaxhomekekanga kwaye iinkampani zinokunciphisa izabelo. Iimpahla zakho zezemali zikhona ukuze zisetyenziswe ukudala ubomi obukhululekile. Xa uxinzelelo-vavanya isicwangciso sakho malunga nokubuya okuhlukeneyo, ukunyuka kwamaxabiso kunye neengxaki zenkcitho, uya kubona ukuba kulungile ukuchitha iinqununu ngamanye amaxesha. Kuya kuba kuhle ukuhlala kuphela kwimali kunye negalelo kodwa oko kungenakwenzeka ngokuxhomekeka kwizikolo zakho. Injongo enkulu kodwa ungenzi isicwangciso esichaphazela imbono.
5. Ukuhlawula zonke iziTyala kwaye ungaziMali nayiphi na into
Uninzi iinkampani zigcina ityala njengenxalenye yesicwangciso esiqinileyo sezemali. Iintsapho eziphumelelayo zezezimali ziba ngcono xa ziqhuba isicwangciso esifanayo kunokugxininisa iinzame zokunciphisa amatyala. Njengoko i-asethi yakho ikhula, inani lemali elithwalayo liyakhula kwakhona.
Kwabanye abantu abanamatyala banengqiqo kodwa ukuba unengxaki kwixesha elidlulileyo, okanye njengamanje unomthwalo ophezulu-mboleko, ungangeni kumhlalaphantsi kunye neentlawulo ezinkulu zematyala. Ukuba unobungakanani obuphezulu, ukubamba ityala lingaba nengqiqo.
6. Thatha i-Summ Sum
Iinkampani ezininzi ezinikela ipenshoni zinika inketho yokuhlawula imali. Abantu abaninzi bacinga ukuba bangcono ekulawuleni imali kwaye banokufumana ixabiso elifanelekileyo lokubuyela ngokutyalomali loo mali. Izicwangciso zempesheni zilawulwa ngokusemthethweni, kwaye xa zijongwa ngokwemiqathango yeziphumo kunye nobomi bexesha lokuhlala, isikhewu semali asiyi kuba yiyona nto ingcono. Imali yakho yomhlalaphantsi ayikho apho ufunda ukutyalomali. Ukuba uya kuthatha isamba semali, mnike umcebisi wezezimali ngerekhodi yomzila weerhafu ezibonakalisiweyo okanye ungathathi isamba semali.
7. Cwangcisa Njengaye Ukuba Awuyi Kuphila Kude
Ukulindela ubomi kuthintela izigqibo ezininzi zomhlalaphantsi. Abantu abaninzi banokwenza isigqibo "xa kwenzeka" badlula kusasa, xa eqinisweni, iifomati zisitsho ukuba iziphumo ziza kuba ziya kuhlala zide. Izigqibo zezezimali kufuneka zenziwe, ubuncinci, njengokungathi uhlala iminyaka embalwa edlulileyo yokuphila . Ikamva lakho uya kukubulela ngokujonga ngale ndlela. Yenza izicwangciso njengoko ufuna ukubonelela uneminyaka engama-88 ubudala ngenxa yokuba unamathuba, uza kuhlala ixesha elide kunokuba ucinge.