Ukuba ucinga ngokuthenga i-fund ye-muni bond, kukho izinto ezimbalwa eziphambili zokuqwalasela.
Ngaba iNgxowa-mali yeBond ye-Municipal Ilungele?
- Ingaba uza kulunge ngesikhwama sokuhlawulwa? Ngenxa yokungahlawulwa kwentlawulo yeekhonkco ze-muni, abathumeli banokunikela ngesivuno esincinane kwaye banokutsala abathengi. Ngenxa yoko, izivuno kwiimboleko zentela ezingenaserhafu zihlala ziphantsi kunezivuno kwiimali ezihlawulwayo. Kodwa kuxhomekeka kwibhasikhi yakho yerhafu kunye nombuso ohlala kuyo, unako ukufumana ukubuyisela okungcono emva kwentela ngokuthenga imali ehlawulwayo , ukuhlawula uMalume uSam, nokukhupha ummahluko.
- Yintoni imeko yerhafu kwilizwe lakho lasekhaya? Zonke izibophelelo ze-muni zikhululekile irhafu yentlawulo. Kodwa kuphela izibophelelo ezikhutshwe kwiimeko zakho zikarhulumente zikarhulumente. Ngoko jonga ngokucophelela kwiimali ezikhoyo. Ukuba irhafu kwilizwe lakho liphantsi, unokwenza ngcono nge-fundable tax. Okubaluleke ngakumbi, ukuba uhlala eCalifornia kwaye uthenge i-fund epheleleyo yeNew York munis, awuyi kusindisa ipenki kwiimeko zorhulumente kunye neerhafu zendawo.
- Ngaba unokukwazi ukuchaza kwangaphambili ikamva? Uninzi lwethu lukulungele ukwenza uqikelelo oluthile malunga nexesha elizayo loqoqosho kunye nezimali zethu. Kodwa bambalwa bethu bazimisele ukubethelela ikusasa lethu ngokukwazi kwethu ukubona ikusasa. Ngoko qaphela. Iimali ezibophelelweyo zeMuni, njengawo onke amatyalomali amatyalomali, zihambela kolunye uhlangothi lwamaxabiso enzala. Ngoko nje ngexabiso lentengo kamasipala liwela xa ixabiso lentengo likhuphuka, intengo yesabelo kwiimbopheleleko ze-muni iya kuncipha phakathi kwamazinga okunyuka ngokubhekiselele kubude beebhanki kwingxowa-mali. Ngamanye amazwi, i-fund ezaliswe izibophelelo ezivuthiwe kwiminyaka emininzi kwixesha elizayo zijongene nengozi kwizinga lokutshintsha inzala ngaphandle kwekhredithi eneebhanki eziphakathi.
- Ndiyihlawula ntoni le? Xa ukhetha isikhwama-mboleko se-muni, jonga ingqalelo kwiimali. Izivuno zeMuni ziphantsi kakhulu kunezo zokutsalwa kwezimali ezihlawulisiweyo, kwaye iirhafu ezinkulu zingadla ngokukhawuleza ukumahluko kwintlawulo emva kwentela. Gwema ukuhlawula iikhomishini kubathengi nabacebisi. Khangela iimali ezingekho mthwalo. Qinisekisa ngxowa-mali enexabiso lentlawulo elingaphantsi kwe-1%
- Ziziphi iintlobo ezifumanekayo? Ixesha elidlulileyo alikho inkcazo. Kodwa kufuneka ukhangele indlela i-fund ye-muni eyenziwe ngayo ngaphambili edlulileyo. Ukuba uzibuza ukuba yiyiphi imali engcono kakhulu kwiimfuno zakho, qwa lasela ukuba ingxowa yenziwe njani kwiminyaka yamuva. Ulwazi malunga nokusebenza kwengxowa-mali lufumaneka ngokubanzi ngamaziko atyalo-mali kunye nakwiiwebhsayithi ezifana ne-MSN Money.
- Jonga i-Alternative Minimum Tax. Izibophelelo ezininzi ze-muni ziphantsi kwe-AMT. Abathengi beeFund baya kutyalomali kwiimbophelelo ezinjalo kuba bavame ukunikezela ngokuphindaphindiweyo okuphezulu kunamabhondi angewona ama-AMT. Ukuba i-AMT iyinkxalabo kuwe, khangela iimali ze-muni ezibamba kuphela izibophelelo eziphepha i-AMT. Hlola kunye ne-akhawunti yakho ngaphambi kokuba uhambe.