Imali Ngumlambo Ngethuba Usebenza Nalo Umthombo Emva kokuba Ususe phantsi
Kuze kube ngolu nqanaba, sifikelele iimfihlo zokuqala ezintathu zokuthatha umhlalaphantsi. Ukuphinda:
Imfihlo Yemali # 1: Qinisekisa into oyifunayo nokuba imali iya kubangela njani ubomi obunokuphila
Imfihlelo Yemali # 2: Bonisa ukuba ufuna kukuthatha umhlalaphantsi
Imfihlo Yemali # 3: Ukuhlawula imali yakho yokuthenga ... ngokukhawuleza!
Imali elandelayo efihlakeleyo imfihlelo malunga nendlela oya kuzisa ngayo imali emnyango xa uqala ukuya kumhlalaphantsi. Nangona kulungile ukufumana imali yokuhlawula i-W-2 okanye uhlawule (njengabanini-shishini), kufuneka sitshintshe ingqiqo yethu ngaphambi kokuba siphumelele kumhlalaphantsi.
Xa kuziwa ekuveleni ingeniso, kuyisiphumo esihle sokuhamba ngokuthembela kumjelo omnye wokufumana imali. Okubalulekileyo, udala amaninzi amaninzi njengokuba kunokwenzeka ukuba uhlangane nomnye omtsha, umlambo omkhulu oqikelelweyo. Khangela ngale ndlela, imali ngumlambo ngoxa usebenza kunye nenkunkuma emva kokuba uthathe umhlalaphantsi. Kusenokwenzeka ukuba usenayo ingcamango engqondweni yakho malunga nokuba ungayifumana njani enye imithombo engenayo. Oku kungabandakanya inzuzo evela kwiipenshoni ezininzi, ukhuseleko lwentlalo, ingeniso yerenti, umsebenzi wesikhotyana, okanye inzuzo yengeniso yonke ehlanganiswe kumlambo omkhulu.
Umsebenzi wexeshana
Kukho amaninzi asele umhlala-phantsi onokulungele ukuthatha umhlala-phantsi kwixesha elizeleyo kodwa ahlala enomdla wokugcina umsebenzi othile wesikhathi. Oku kungaba ngumlambo omkhulu wemali engenayo. Ndiyathanda ukubonisa ukuba abo banomdla ekusebenzeni ixesha lesithuba owenza umsebenzi ukwenza into enomdla ngayo.
Mhlawumbi into ehambelana ngokupheleleyo nento oyenzayo ukuyenza- okanye ukuba uyayithanda into oyenzayo ukuyenza, cinga ukuthatha amathuba okubonisana nesikhathi esithile.
Iyiphi indlela engcono yokwenza imali kwaye uhlale usebenza kwaye usebenza kunokuhlala uhlawulelwa ezinye zezinto ozilungeleyo ngaphambi kokuba uthathe umhlalaphantsi?
Nangona umsebenzi wexesha lomsebenzi ungaphantsi kwerhafu, ungakhuseli kangako, kwaye uquke iingeniso ezimbalwa, yindlela enhle yokugcina ukhetho lokufaka umvuzo wokuhlawula xa umsebenzi wakho ophezulu usuphelile.
Yaye khumbula, cinga ezininzi imifula encinane, akukho mlambo omkhulu.
Ukhuseleko lasekuhlaleni
Phantse bonke abemi baseMelika, ukuba uhlawula ngexesha lokusebenza kwakho, uya kufumana iintlawulo zokhuseleko loluntu ngexesha elithile ebomini babo. Ngokutsho kwiwebhusayithi esemthethweni, abantu aba-9 kwabangu-10 abaneminyaka engama-65 nangaphezulu bayafumana inzuzo yezokhuseleko loluntu.
Ukhuseleko loLuntu akufanele lihlekisiwe ngokucwangcisa umhlalaphantsi wakho. Ngaphandle kweenguqu ezinokuthi zitshintshe kwiindawo ezikufutshane, enye yemifula oyifunayo iya kuphuma kwiqula lakho. Nangona abanye abantu banokufumana imali engama-$ 800 ngenyanga kwaye abanye banokufumana imali engaphezulu kwama-3,000 ngenyanga, inyaniso yolu mbandela kukuba enye umlambo. Kwaye inxalenye enkulu ngokuphathelele ukhuseleko loluntu kukuba xa uqala, unokuthembela kumanani ukuze uhlale ngokufanayo kunye nokunyuka okuthobekileyo okubophelelwe kumanani emali.
Imali ye Pension
Akuninzi abantu abaninzi abaye baphawula ipensheni, ngoko ke ukuba ungowomntu onenhlanhla, kulungile! Bala oku njengomnye umlambo weholo. Ukuba unenkxalabo yokuba ngesizathu esithile inkampani yakho ayiyi kuhlawula ipensheni ethembisa yona, khumbula oku: I-Pension Benefit Guarantee Corporation (i-PBCG) isebe likarhulumente wase-US elisebenzayo ukukhusela imali yomhlala-phantsi engaphezulu kwama-40 izigidi zabantu baseMerika kumaziko abucala angama-26,000 achaza izicwangciso zempesheni yomvuzo.
Amathuba ukuba ipenshoni iya kutshintshwa okanye imiselweyo impela iphantsi kakhulu kunye ne-backstop eyongezelelweyo esuka kwi-PBGC, kufuneka ukhuseleke. Ngoko ke ukuba unomhlala-phantsi, luncedo kwaye unokwethenjelwa, kwaye unako ukuwuvumela ukuba uphumelele kulo mjelo.
YeNgeniso yeNgeniso
Omnye umlambo omkhulu wokufumana ingeniso yerenti. Kukho iindlela ezimbini ongazithatha:
1. Lindela umhlalaphantsi uze usebenzise isahlulo seqanda lakho lesithambiso ukutyalomali kwiipropati ezijoliswe ngeniso.
2. Yiba ngumqokeleli wezindlu eziqashisayo eziqashisayo ngokwexesha. Ezinye iziganeko ezahlukeneyo:
Ukuba uthengela indlu i-$ 100,000 ngenkokhelo kwaye akukho ntlawulo yempesheni yemali, uza kuba ngu-R10 000 ngonyaka kwingeniso epheleleyo yengeniso (i-10 yepesenti yemali engenayo kwimali oyibekele yona); okanye
Ubeka imali phantsi (sithetha, iipesenti ezingama-20) kwaye uboleka ama-80 ekhulwini kwi-bhanki (nceda khangela apha ngezantsi malunga neengozi).
Ngethuba nje unomyinge onomdla onomboleko, kufuneka usenokugqiba ngokukhawuleza ukuhamba kwemali kwipropati.
Kuzo zombini iziganeko, ngoku unesixhobo sokuvelisa ngeniso esiza kukuhlawula umthamo wenyanga ngokukhawuleza njengoko indlu igxile kwaye unabanikazi. Ndabona abahlala phantsi behlala bevuya xa bebasebenzisa le ndlela baze baphendule isahlulo seqanda lokuthatha umhlala-phantsi kwipropati yokuqeshisa ingeniso .
Oku kungasebenzisa ngempumelelo isahlulo seqanda lakho lomhlalaphansi. Akusebenzi nje kuphela ekuveliseni ukuhamba kwemali, kunokukunika umsebenzi wesikhathi sokulawula iipropati ukuba unabanye babo. Abanye abantu bayavuya kakhulu ukuba ngumnini-mnini. Igcina ixakekile kwaye igcina umnye umtsalane weholo engenayo kwi-reservoir.
* Kucelwa uqaphele ukuba ukuboleka imali yindlela enkulu yokuthenga i-real estate eyiyo kunye nokuvelisa ngeniso yengeniso-ngokukhawuleza nje ukuba awuyikuzibophelela. Qinisekisa ukuba uyaphakamisa kuphela into onokuyenza kwaye ingekho enye ipenny. Into endiyithethayo ngolu hlobo kucinga ukuba yonke imali yakho yokubolekwa kwezindlu yabizwa ngokukhawuleza. Ngokuqinisekileyo ungathengisa iipropati kwaye uhlawule imali. Kodwa kuthekani ukuba akunjalo? Cinga ngeemeko zemali- ibhanki ifuna imali yabo, ibiza ngemali mboleko yakho. Ukuba awunayo imithombo yobutyebi yokwenza oko, kwaye ukuba iipropati zakho zingekho phantsi, unokukhawuleza ungabikho. Qiniseka ukuba ugcine engqondweni ngaphambi kokuba uthathe amanqaku amaninzi okanye amatyala.
Umvuzo wokugcina wengeniso yentengo-mali. Oku kunzima kakhulu kwaye siza kuthetha ngakumbi xa sifika kwimfihlo # 5.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.