Kwiimeko ezininzi, iimali-mboleko zentsapho ziyaphumelela-kodwa impumelelo idinga incoko evulekileyo kunye nocwangciso. Udinga ukusingatha imiba yokuphatha kunye (mhlawumbi kunzima kakhulu) kwicala lomoya lezinto.
Ukwenza okulungileyo, gxininisa kwiindawo ezintathu eziphambili:
- Ukukhusela ubuhlobo bakho
- Ukukhusela umboleki-mali (kubandakanywa nabani abaxhomekeke kuyo okanye izindlalifa) ngemali
- Ukuhlala engxakini ne-IRS
Uya kufuneka kwakhona uhambe ngeengcingo zomthetho njengemithetho yendawo yokuhlala kunye neendlela zokuqokelela amatyala ezixhaphakileyo, kodwa uninzi lwababolekisi bentsapho alukho iir sharks , ngoko loo miba ayifani kakhulu.
Yiyiphi imali mboleko?
Imboleko yentsapho nayiphi na imali mboleko phakathi kwamalungu entsapho. Akunandaba nokuba yimali. Imboleko nje engayisebenzisi ibhanki, inyunyana yemboleko okanye umboleki we-intanethi ongaphandle kwentsapho.
Ezi mboleko zifuna ukuphelisa kwimeko yokuphumelela / yokuphumelela-into enobungozi boboleki kunye nomboleki-ukuze ugcine intsapho yakho ingene. Ababolekisi bafuna ngokukhethekileyo ukuqonda ingozi, iinjongo zabo zokubolekisa, kunye nezinye iindlela zokwenza imali mboleko.
Ngokuqhelekileyo, ababolekisi bafuna ukunceda umntu omthandayo - kwaye okokuqala kukuqala.
Kodwa kukho ezinye iindlela ezininzi zokuncedisa, kubandakanywa nje ukunika imali ngemali kunye nokuqhawula ngemboleko.
I-Gifting: ukuba unika imali ilungu lakho losapho lingalindelanga ukubuyiselwa, izinto zilula. Nangona kunjalo, unokwenene uyayidinga loo mali ngenye imini, kwaye ufuna ukuba ilungu lentsapho lijongane neendleko zakhe.
Oko kwathiwa, abanye abantu bacetyisa ukuba ungalokothi ubolekise intsapho ngaphandle kokuba ukhona (nakwimfihlo) ulungile kwaye ungalokothi uhlawulwe.
Cosigning: ungabhalela umboleko kwaye uncede umntu obolekayo avunywe. Ingeniso yakho kunye nekhredithi inokwanela ukwenza inkohliso. Nangona kunjalo, ikhredithi yakho isengozini xa ubhawula , kwaye unokuba ungazimisele ukuthatha ingozi.
Ukukhusela ubudlelwane
Ngaphambi kokuba unqume ukuba ngaba ungaqhubeki okanye ungaqhubeki phambili, xubusha ngemboleko ngeenkcukacha . Ukuba umntu obolekayo okanye obolekisayo utshatile (okanye ebudlelwaneni obungapheliyo), bobabini iqabane kufuneka libandakanye kwingxoxo. Ukongeza kumboleka kunye nomboleki, cinga ngomntu oxhomekeke kumboleki-abantwana okanye ezinye izalamane phantsi koxanduva lomboleki, umzekelo.
Akukho nto enjengeenkcukacha ezininzi kule ngxoxo. Kulula ukucinga ukuba abanye babona ihlabathi ngendlela efanayo, kwaye akunjalo ngaso sonke isikhathi-ngakumbi xa imali ibandakanyeka. Kungcono ukuba neengxoxo ezimbalwa ezingenakwenzekayo kunokuba ube neeholide ezingapheliyo ebomini bakho bonke.
Ababoleki:
- Ngaba ulindele ukubuyiselwa? Yenze loo nto icace.
- Kutheni uboleka imali?
- Yintoni oya kwenzayo xa umboleki eyeka ukwenza iintlawulo? Ngaba uya kuhlawulisa iifizi zexesha elide okanye uthathe utywala ?
- Unokulindela njani kunye nexesha lini ukuhlawula iintlawulo (ngenyanga, ngetekisi, umzekelo)?
- Ngaba uza kubhawula iintlawulo kwiimali zesikweletu zemali-mali (oku kulula kakhulu xa usebenzisa umntu wesithathu ukukunceda ngeenkonzo zokuboleka imali)?
- Kuthekani ukuba umboleki uyalimala okanye ukhubazekile?
- Ngaba le mboleko iya kubangela abanye (njengabantakwabo ababolekayo) bazuze ngaphantsi? Ingaba oko kuya kuthathelwa ingqalelo ngexesha lokufa kwakho?
Abboleki:
- Ingaba unesicwangciso (kwaye unemali engenayo) yokubuyisela imali?
- Yintoni okulindele ukuba kwenzeke ukuba awukwazi ukwenza iintlawulo enye inyanga (okanye ezintathu)?
- Ngaba umbolekisi uyazi indlela ochitha imali yakho?
- Ingaba umbolekisi unelungelo "lokubonisa" indlela obeka phambili ngayo iindleko, ukhethe umsebenzi, kwaye uchithe ixesha lakho (ingakumbi ukuba awuyi kuhlawula)?
- Umnini-mboleko uza kuthinteka njani ngemali ukuba awukwazi ukubuyiselwa (ngenxa yokufa kwakho ngengozi, umzekelo)?
- Ngaba kufuneka ukhethe i- credit kunye neentlawulo ezixelwe kwi- credit bureaus ?
Khusela iLenderer (kunye nabaxhasi)
Umboleki angase aphume phambili nge mboleko yentsapho (ukufumana ngaphezulu kwebhanki iya kuhlawula, umzekelo), kodwa ababolekayo bathatha umngcipheko. Khumbula ukuba akukho nto ikhuselekileyo kunokuba ugcine imali kwi- akhawunti yasebhanki eqinisekisiwe ye-FDIC okanye inkontileka yekhredithi yomthetho . Okongeziweyo, imali yakho iyafumaneka ngokukhawuleza ukuba ufanele uhoxise kwibhankini - akunjalo nangemali oyityala kulungu lentsapho.
Unokuba nethemba lokuba isihlobo sakho siya kubuyiselwa, kodwa kuthekani ukuba ayenjalo? Ngona umntu othembeke kakhulu unokungena engozini yemoto.
Ukubambisana: ukukhusela okukhulu, ukugxininisa ekusebenziseni izinto zokubambisa ukugcina umboleko. Oku kuthetha ukuba ufumane ifa lempahla (njengendlu okanye imoto) kwaye uyithengise ukubuyisela imali yakho kwimeko enzima kakhulu. Ngokukodwa xa wenza imali mboleko enkulu ekuthengeni ikhaya, fumana i -home link ukuze uzikhusele.
Thetha nommeli wengingqi ukuba uxoxe ngeengozi zakho kunye nayiphi na indlela yokuzikhusela. Ukuba awukwazi, awuyi kukwazi oko ungayazi malunga nokuchayeka kwakho.
Sebenzisa isivumelwano esibhaliweyo ukugcina wonke umntu kwiphepha elifanayo, kunye nokukunceda ukuqinisekisa ukuba umboleki-mali akahambi kakuhle. Amagqwetha asekuhlaleni kunye neenkonzo ze-intanethi banokunika amaxwebhu-ukuqinisekisa ukuba asemthethweni kwimeko yakho.
Imithetho Yentlawulo
I-IRS ibandakanyeka kuyo yonke into-nangaphandle kwemali mboleko oyenzela amalungu omndeni. Qiniseka ukuba uhlolisise umcebisi werhafu wengingqi ngaphambi kokuba usayine izivumelwano okanye wenze imali mboleko.
Ababoleki bavunyelwe ukuhlawula inzala ephantsi. Nangona kunjalo, ukuba uhlawula umncinci, i-IRS ibona nayiphi na inzala ekufuneka ihlawulwe njenge "isipho," kwaye kuya kufuneka ukuba uqaphele irhafu yesipho. Khangela i-Federal Tax Rates (AFR) kwaye uthetha nomcebisi wakho weerhafu ngaphambi kokulungiswa kwisantya.
Kusenokwenzeka ukuba ube nemibandela ethile ngokubhaliweyo (kwaye mhlawumbi ugcinwe nge-lien) ukuwanelisa ezinye iimfuno ze-IRS ezifana nokunciphisa inzala.
Lezo zinto zimbini nje ukuba ziqwalasele - umcebisi wakho werhafu unokukuxelela ngakumbi.
Iinkonzo Zemali
Ukusingatha imali mboleko kunzima. Ukuba ufuna uncedo, kukho iinkonzo ezininzi ze-intanethi ezingenza inkqubo ibe lula. Baza ku:
- Ukuphatha ukugcinwa kweentlawulo, ukubeka ukutshintshwa okuzenzekelayo phakathi kwe-akhawunti yebhanki
- Ingxelo yomsebenzi kwiingxowa-mali zemali-mboleko
- Ukubonelela ngeenkcukacha ezixhomekeke kwiimeko zakho kunye nombuso wakho
- Ukubonelela ngamaphepha eerhafu (ukuba kusebenza)
Phanda umniki ngamnye kwaye ubuze ukuba yiziphi iinkonzo abakwaziyo kwaye abanako ukuzinikela ngaphambi kokuba usayine isivumelwano. Unokuphinda usebenze nabameli beendawo kunye namashishini anika iinkonzo ezifanayo.