Kuyo yonke indawo yaseStan The Annuity Man, ukuba awunakuze ulungise i-1 okanye ngaphezulu kwale micimbi ye-4, ke awuyidingi i-annuity.
Kukhona enye into enokuthi isisombululo sinokuyicombulula, kodwa kuphela kwiindawo ezithile. Le bhokisi ebalulekileyo yokubhekisisa iyimpahla kunye nokukhuselwa kwemboleko. Uninzi lwamazwe alinayo imimiselo enika ukukhuselwa kumacala amacala kunye namanyathelo omboleko, ngoko kubalulekile ukukhangela igqwetha lorhafu kwindawo othembekileyo ukuba ufumene umthetho owona mgaqo malunga nombandela. Kukho ii-2 ezibonisa ukuba zinempahla enamandla kakhulu kunye nemimiselo yokukhusela imboleko yomshuwalense wobomi kunye neentlawulo, kwaye ziFlorida naseTexas.
Ukukhuselwa Kwemali eFlorida
IFlorida yenye yezona zizwe ezinomgaqo okhuselekileyo wokukhusela. Lo myalelo ungo-222.14, kwaye ufundwa ngale ndlela:
Ukukhutshwa kwexabiso lokunikezela ngemali ye-inshorensi yobomi kunye neenkontileka zokuhlawula kwiinkqubo zomthetho.
Ukunikezelwa kwemali kwindleko zeminshuwalense yobomi ekhutshwe kubomi bemihlali okanye abahlali baseburhulumenteni kunye nemali yeemvumelwano ezikhutshwe kubemi okanye abahlali baseburhulumenteni, kwiphina i-form, akuyikuba nayiphi na into enokubambathiswa, ukuhlobisa okanye inkqubo yomthetho ngokuphathelele nawuphi na umboleki womntu onobungozi obunjalo okanye lowo nawuphi na umbolekisi womntu onelungelo lokufumana inkontileka yenkampani leyo, ngaphandle kokuba inkontileka yomshuwalense okanye inkontileka yesikhorensi yenzelwe ukufumana inzuzo yomthengi.
Lo ngumthetho wenyani, igama ngelizwi, kwaye lihle ngokucacileyo. Oogqirha abaninzi, oogqirha, oosomashishini kunye nabanye bawakhusela ngokupheleleyo yonke impahla yabo ngokuhlawula indlu yabo ngokugcwele (kunye nokukhuseleka eFlorida) baze bafake yonke impahla yabo engeyiyo i-IRA (engafanelekiyo) kwiimali zonyaka. Xoxa ngokuba ngumbono wezobugqwetha!
Ukukhuselwa Kwemali eTexas
I-Texas inomthetho ofanayo omeleleyo njengeFlorida. Ixabiso lentengo yenkcitho yonyaka okanye i-inshorensi ithathwa njengokhululwa kwabathengi kunye nezigwegwe. Ndihlala kwimeko enkulu yaseFlorida, kwaye ndihlale ndihleka ukuba xa iFlorida yonke iguqula imithetho yabo yokukhusela i-asethi, ndilo moya olandelayo ukuya eTexas. Hayi, i-BBQ yabo ibhetele kangangoko!
IRAs kunye neAkhawunti ezifanelekileyo
Abantu abaninzi abaqapheli oku, kodwa ii- IRA ezizimeleyo kunye nama-akhawunti afanelekileyo afana ne-401ks, 403bs, njl. Zikhuselwe ngokupheleleyo kubathengi kunye nezigwebo zomthetho. Ukutya okucingayo: ukuba ubeka yonke imali yakho engekho ye-IRA kwimali-mboleko okanye kwimveliso ye-inshorensi yobomi, imali yakho ikhuselekile ngokupheleleyo.
UkuCwangcisa okuPhambili kubalulekile
Le mithetho ukukhusela imali yakho iyamangalisa, kodwa awukwazi ukuphumeza isicwangciso emva kokuba ugwetyelwe, okanye ukuba umgwebo ulungele ukwenzeka.
Kufuneka ube nesi sicwangciso phambi kokuba kukho naziphi na iingxaki ekugqibeleni, ngoko kubalulekile ukuba ungalokothi uphinde unqande ukuba ukukhuselwa kwempahla yinjongo yokugqibela. Ukuba umgwebo okanye umboleki-mboleko uba ngumsindo, kufuneka ukwazi ukubonisa ukuba ukuhlawulwa kwexesha bekude ngaphambi kokuba kwenziwe nayiphi na inyathelo. Ukuba ukwenzile oko, ke aba bantu abanalo mlenze awunayo umlenze wokuma.
Umgcini-mboleko kunye nokukhuselwa kwempahla yisona sizathu esinye sokwenza umsebenzi wakho wesikolo ngokufanelekileyo xa ucinga ngemali. Ngokuxhomekeka kwimeko ohlala kuyo, kunokufumana inzuzo eyongezelelweyo ongayifumaniyo, kwaye omnye unokukhusela ngokusemthethweni imali yakho eyimali.
Funda ngakumbi indlela yokufezekisa iNqununu yokuKhusela usebenzisa iiNqanaba eziKhuselekileyo zoNyaka
Funda okunye malunga neeNqanaba eziThatshulwayo