Ezinye izinto ziyeka, ezinye izinto ziqala, ezinye izinto zibukeka zibhetele.
Izinzuzo zoKhuseleko lweNtlalo Yeka ukuqokelela kwi-70
Kude uneminyaka engama-70, iinzuzo zakho zoKhuselo loLuntu ziqokelela izikripthi zokuthatha umhlala-mali .
Akukho nzuzo yokulinda kude kube yiminyaka engama-70 edlulileyo ukuqala ukuqokelela iintlawulo zakho, kodwa kubantu abaninzi, izibini ezitshatileyo, ngokukodwa, kunokufumana inzuzo enkulu yokuba nelinye iqabane elifumana umvuzo lilibazise ukuqala koxanduva lwazo loKhuseleko loLuntu kuze kube yiminyaka engama-70 Inani eliphezulu lemali liza kuqhubeka ngohlobo lomntu osindayo onokufumana inzuzo kwiqabane elide kakhulu ukuba aphile kwaye anganika uhlobo olomeleleyo lwe-inshorensi yobomi ngendlela yokufumana imali engeniso-mali.
Iimfuno ezincinane ezifunekayo Qala kwi-70 ½ yobudala
Ngo-Aprili 1 wonyaka, emva kokufikelela kwiminyaka yobudala engama-70 ½, i-IRS idinga ukuba uqale ukuthatha ukurhoxiswa kwiikhompyutheni zakho zomhlalaphantsi ezifanelekileyo ezifana ne-IRAs okanye i- 401 (k) izicwangciso. Nangona abaninzi abantu balinda kude kubekho ukuba bathathe le ntlawulo, oku akusoloko kunengqiqo. Ukuba uneminyaka engaphantsi kwemali engenayo ngaphambi kokuba ufikelele kwiminyaka engama-70 ubudala, kunokuba kunengqondo ukurhoxisa imali kwiakhawunti yomhlalaphantsi kwaye uhlawule encinane kwerhafu.
Kufuneka usebenze ukuhlaziywa kwentela ngamnye ngonyaka ukugqiba ukuba yintoni efanelekileyo. Kungakhathaliseki ukuba, ngo-70, kuya kufuneka uqale ukuthabatha i-IRAs kunye ne-401 (k).
Ezinye iinketho ziba zikhangele ngakumbi
Ukude uhlala, ixesha elide ulindeleke ukuba liphile. Ukuba unemizimba emihle kunye nendlela yokuphila enempilo, ngoko unokucinga ukukhetha okuqinisekileyo ngeniso enika ingeniso yobomi.
Ezinye zezi zikhetho, ezinjengeempesheni ezikhawulezayo kunye nokuhlawulwa kwemali-mboleko, ziba zikhangele ngakumbi kwiminyaka engama-70 nangaphezulu.
Imali yokuKhuselwa kweMpilo kuKick In
Imithombo yengeniso yomhlala-phantsi njengemali ehlawulwa ngokukhawuleza yenza ukuba usebenzise into ebizwa ngokuba yi-credit mortgage. Ukuba unokuhlala ixesha elide, olu hlobo lomkhiqizo luba lukhetho olukhangelekayo malunga ne-70 ubudala kwaye lunokuqiniseka ukuba awuyi kuphelisa imali engenayo.
Ukubuyiswa kweeNgxowa-mboleko zemali Ingaba i-Warrant i-Look
Ukuguqula iimali-mboleko zifanelekile ukuqwalaselwa kwiminyaka engama-70 nangaphezulu. Imboleko yokubuyisela imali ingakuvumela ukuba usebenzise ukulingana ekhaya lakho ngenzuzo xa uhlala ekhaya lakho ixesha elide njengoko ufuna. Imboleko yokubuyisela imali inokuthi ibe yindlela enokukunika yona ngenkokhelo eqinisekileyo kwaye akukho mngcipheko. Kwaye, ngokuchasene neenkolelo eziqhelekileyo, ibhanki ayikwazi ukuthatha indlu yakho ngemali yokuboleka imali.
Utyalo mali kufuneka kube yingozi
Ukuba uya kuthabatha umhlala-phantsi kwi-70, kwaye ufuna imali engenayo yomhlalaphantsi kwi-savings yakho kunye notyalo-mali, kuya kufuneka ufunde ukuba yiziphi iimali-mali ezikwazi ukuvelisa inani lemali engenayo oyifunayo. Akusiyo ixesha lokuthatha ingozi. Ufuna le mali ukugcina ubomi bakho bonke.
Enye indlela kukusebenzisa utyalo-mali olukhuselekileyo, olunokuhlawula imali ephantsi, kodwa inqununu yakho iya kuqinisekiswa.
Enye indlela yokwakha iphothifoliyo yotyalo-mali ilandelayo ngokwemigaqo emiselweyo yokurhoxiswa kwemilinganiselo. Unokufuna ukufumana iinkonzo zomcwangcisi wokuthatha umhlala-phantsi ofanelekileyo ukukunceda ukuba ufumanise okulungileyo kuwe.
Amadokhumenti anzima ukuba nawo
Ubuneminyaka engama-70 lixesha elifanelekileyo lokuqinisekisa ukuba unesicwangciso sezonyango esiphuthumayo. Inokuba yinto elula njengokuba isetekethi yemiyalelo ebhaliweyo ilungu lentsapho elithembekileyo okanye umhlobo. Uyakufuna ukuqinisekisa ukuba utshintshile umntu ukulawula imicimbi yakho xa ugule okanye ungenakukhubazeka. Kufezekiswa ngethemba, okanye ngamandla angagqirha egqwetha kunye negunya lokunakekelwa kwempilo lommeli. Kwakhona, qiniseka ukuba uhlolisise izikhundla zakho ezixhamliweyo kunye namanye amaphepha afanelekileyo okucwangcisa iindawo ezifana nokuthanda okanye ukuthembela.