3 Amanyathelo okwenza Uninzi lweNkxaso yeNhlalakahle yeNtlalo kwiMhlalaphantsi
Emva kokusayina iNkonzo yoKhuseleko loLuntu ngo-1935, uRovelvelt uthe. "Akukho namanani eemali ezihlawulwe ngabanye kuncediso okanye kwi-inshurensi iya kupela nayiphi na into esondela kuyo.
Kodwa baya kunika loo mfuneko encinci yokuqhubeka ... "
Seko kunjalo. Nangona kunjalo uLondolozo lwezeNtlalo namhlanje luhlinzeka ngamaphesenti angama-35 abathathe umhlala-phantsi kunye neepesenti ezingama-90 okanye ngaphezulu kwenyanga engenayo.
Ukuxhomekeka kwethu ngokubanzi kwiNtlalo yoKhuseleko, ehlawula umyinge we $ 1,180 ngenyanga, ngokuyininzi isiphumo seenguqu kwiingqesho kunye noluntu. Iipension zecandelo labucala, kanye nelifa lembombo lemali yokuthatha umhlala-phantsi, sele linyamalale, lithatyathwa ngu-401 (k) kunye nezinye iiprogram zokulondoloza ezifuna ukuba sikwazi ukuxhasa imali yethu yomhlalaphantsi kwaye silondoloze ngokusisigxina kuloo njongo. Okwangoku, siphila ixesha elide, sinezingane kamva ebomini kwaye sisoloko sisekela abazali asebekhulile - bonke bezoqoqosho. Ezi zinto zingadlala ingxaki ngemigudu yokulondoloza umhlalaphantsi.
Ukuba ujongene nethemba lokuba uthembele kwiNtlalo yoKhuseleko ngexesha lokuthatha umhlalaphantsi, kukho amanyathelo onokuthatha ukuze wenze uninzi lwaloo mqathango ongaphantsi kweyona ndlela, nangona usondele kwiminyaka yobudala.
1. Khupha iiNcedo zakho
Qinisekisa ukuba usebenza ubuncinane iminyaka engama-35, nangona oko kuthetha ukunyusa umhlalaphantsi wakho. Izinzuzo zoKhuseleko lwezeNtlalo zisekelwe kwiminyaka engama-35 ephezulu yokusebenza. Sebenza ngaphantsi kweminyaka engama-35 kunye nokulahleka kweeminyaka ukuya ekubaleni njengamaqanda e-oose, okungawunciphise kakhulu umvuzo wakho wenyanga yomhlalaphantsi.
Ngelixa usebenza, wandise inzuzo yakho. Ukuba uphezulu kwinqanaba lokuhlawula emsebenzini wakho, cinga ngokuthatha umsebenzi wesibini. Nantoni na oyenzayo ukunyusa imali engenayo yonyaka uya kuhlawula ngokukhawuleza kwi-Check Safety yakho. Ufuna ukujonga indlela oyenzayo? Unokufumana uqikelelo olunzulu kwiwebhusayithi yoLawulo loKhuseleko loLuntu.
2. Ukubambelela ekuthatheni inzuzo
Ufuna ukuqinisekisa ukuba ulinde de ubuncinane ubuncinane bexesha lokuthatha umhlalaphantsi ukuqala ukubiza izicelo. Ubudala bakho obupheleleyo okanye "obuqhelekileyo" bokuthatha umhlalaphantsi, njengoko kuchazwe nguLawulo loKhuselo loLuntu, luphakathi ko-65 no-67; kuxhomekeke kulophi unyaka owazalwa ngawo.
Ukukhetha ukuthatha ukwabiwa kwangethuba kuya kunciphisa inani lakho lokuxhamla ngenyanga. Ukuba unako, hlela emva kokungena kwiintlawulo zakho ude uneminyaka engama-70. Oku kuza kukufumana oko okubizwa ngokuba yi-Administration Security Administration ". u-70 usuqulela kwisithuba semali engaphezulu yesithathu ebomini.
3. Hambisa kwindawo engabizi
Cinga ukuthuthela kwindawo engabizi kakhulu ukunciphisa iindleko zakho zokuhlala emsebenzini. Isiko esihlonishwayo sihlandlo sinceda ukuchazela ukufudukela kwabantu abadala baseMerika kwiindawo ezifana neNew York kunye neMassachusetts ukuya eFlorida naseNorth Carolina.
Kukho naziphi na inani lezixeko ezincinci apho ungaphila ubomi obuzeleyo kwaye uhlawule iindleko zakho ezinkulu - izindlu, ukutya, kunye nendawo - oko wena kunye nomlingane wakho nifumana ku-Uncle Sam. Unokuba usenokuqwalasela ukufuduka phesheya kwelinye ilizwe lamazwe aseMbindi naseMzantsi Melika amkela abahlala emadodini aseMelika ngokufudumala, iindlela zokuphila ezilula, izibonelelo zanamhlanje kunye neendleko eziphantsi zokuphila.
Ngokufanelekileyo, Ukhuseleko lweNtlalo kufuneka libe ngumjelo omnye wemali kwingeniso yakho yomhlalaphantsi . Ukulondolozwa, umsebenzi wexeshana kunye nemali yengeniso yendawo yokuqeshisa kufuneka kwakhona ibe kumxube. Kodwa ubomi kwenzeka - ngamanye amaxesha ngexesha elibi. Ukuba izinto zihamba ngecala, yazi ukuba ngokusebenzisa ezi zicwangciso unako ukufumana ubomi obuninzi obusemva kwendlela yokuphila, uzuko lweenzuzo oziqale ukufumana esikolweni esiphakeme njenge-waitress okanye ipompo ye-gas jockey.