Fumana ukulinganisa kweNjongo Yakho Yokugcina Umhlalaphansi
Sekunjalo, ukuba ungayinakuyithintela "into engaqondakaliyo," unokuza nenombolo yomhlalaphantsi efanelekileyo. Nantsi indlela.
Yintoni Umhlala Wakho Wokuhlala Umhlalaphansi?
Uqala ngokuqikelela ukuba uneminyaka emininzi oya kuhlala ngayo kumhlalaphantsi. Thetha malunga nokungaqondakali, kunene? Kodwa jonga umlinganiselo wokuphila komntu oneminyaka yobudala bakho kunye nesini, kunye nokujonga ixesha elide apho oogogo nomkhulu okanye abazali bakho badlulayo kwaye unokufumana ingqiqo yokuphila kwakho. Ubungakanani kwixesha elilindelekileyo lokuthatha umhlalaphantsi. Umzekelo, ukuba unethemba lokuthatha umhlalaphantsi kuma-65 kwaye ucinga ukuba uya kuhlala ku-85, ngoko ulindele ukuhlala kumhlala-phantsi iminyaka engama-20. Unokuphila kwiminyaka engama-85 edlulileyo okanye kungenjalo, kodwa ngoku, unenjongo yokuqalisa.
Yintoni Umvuzo Wakho Womhlalaphantsi?
Into elandelayo ofuna ukuyilinganisela yimalini yengeniso yanamhlanje ofuna ukuyiphila kuyo. Xa uthatha umhlalaphantsi, unokukwazi ukunciphisa iindleko (ngokufumana abantwana abakhulayo, ukunciphisa indlu, okanye ukuphelisa ityala kuquka imali yokubolekwa kwemali) kwaye uhlala ungcono kunokuba wenzayo ngoku, okanye unokufuna umgangatho ofanayo wokuphila okwangoku unayo.
Okona ubuncinci, kufuneka uceba ukufuna i-80% yengeniso yakho yangoku, umgaqo ogqithiseleyo wesigqithiso ngu-85%. Okanye ungasetwa kwi-100%, ukudubula kumgangatho ophezulu we-120%.
Makhe sicinge ukuba uJaime okwangoku ufumana i-$ 50,000 ngonyaka. Emva kokudala uhlahlo lwabiwo-mali, unquma ukuba uya kuhlala e-$ 40,000, ngoko ubeka umgomo wakhe wokuthatha umhlala-phantsi kwi-80% yengeniso yakhe yangoku.
Uceba ukuthatha umhlala-phantsi kwi-70 kunye nerekhodi lomndeni wakhe obala ukuba uya kuphila malunga ne-90.
Ukubalwa okulula kunama $ 40,000 x 20 iminyaka = $ 800,000. Kodwa, njengaye ndathi, oku kusebenza nzima. Oko ufuna ngokwenene imali eyenza inzala yonyaka imali oyifunayo ukuba uphile kuyo. Kule meko, i-$ 800,000 ingasebenza. Ukuba unayo i-$ 800,000 kwaye utyalomali ukuze ufumane i-interest 5% yonyaka, i-portfolio yakho inokuhlawula i-$ 40,000 ngonyaka ngaphandle kokuba uthinte inqununu. Kakade ke, eminye iminyaka imarike ibuyisela ngaphantsi kwaye kwezinye iindawo ezininzi. Ukuba unesicatshulwa sokubuyisela sonyaka, sichaza i-3%, ngoko uya kufuna i-$ 1.4 yezigidi ukudala i-$ 40,000 ngonyaka. Kwaye oko akukwanakuqwalasela ukunyuka kwamaxabiso, irhafu okanye ixesha elide lemarike ezenzayo. Ingakumbi ukuba uthatha umhlalaphantsi ngenye yeli xesha, unokuba nefuthe kwiingcinga zakho. Uyabona oko ndiyithethayo malunga nobunzima?
Kodwa ukusebenza kweemarike kunye nokunyuka kwamaxabiso zizinto ezimbini nje eziba nzima xa usuka kude kwiimeko ezibonakalayo kunye neemeko. Kukho ukhuseleko lweNtlalo. Ukuba ufumana ukhuseleko lweNtlalo, oku kuya kunceda udibana neendleko zenyanga.
Ukuba uJamie udinga i-$ 3300 ngenyanga ukuze aphile kunye noKhuseleko loLuntu luhlawula i-$ 1500 ngenyanga, isabelo sakhe sinciphise ukuya kuma-1800. Oku kuya kunqumla kwisiqingatha semali ayifunayo ukusindisa ukuhlala kumhlalaphantsi. Kodwa sonke siyazi ukuba umcimbi woKhuselo loLuntu luyinkimbinkimbi. Sonke siyafumana ezi ngxelo zonyaka kwi-imeyile esisixelela ukuba imali yethu yonyaka iya kubonakala ngathi. Ukuba unethemba, unako ukuhamba kunye nenani njengoko ucinga, okanye ukunciphisa ukulinganisa ngokwezinga lakho lokucinga (Kulungile mhlawumbi, kodwa ndinethemba).
Iingxaki ezinokuthi zithintele ukuxhaswa komhlalaphantsi
UJamie unokufuna ukuqhubela phambili umgomo ophezulu. Akunjalo nje ngenxa yokuba uyathemba ukuba uya kukhangela isheke soKhuseleko lweNtlalo okanye ucinga iirhafu kunye nokunyuka kwamaxabiso akunakho indawo yokuya kodwa, kodwa ngenxa yokuba ufuna ukucwangcisa ezo ndleko ezingalindelekanga ezingadla imali kwi-budget yomhlalaphantsi.
Unonophelo lwempilo kunye neengxaki zempilo ngumzekelo ocacileyo. Esinye isifo esisongela ubomi singashenxisa ngokukhawuleza inxalenye yokulondoloza kwakhe kunye nomdla osinika wona. Unokucwangcisa ngexesha lokusebenza kwakhe ukubeka imali ngaphandle kwenyanga yonyango yonyango yenkathalo ende, enokukunceda ukuhlawula ukunyamekela ekhaya. Kodwa kuya kuba neendleko ze-inshorensi ayifihla.
Imarike yokuthengiswa kwempahla, i-tax-high tax income okanye ixabiso lentengo yexabiso lemali kunye nokunyuka kwamanani emali kukunye umngcipheko kwiholo lakho lomhlalaphantsi. Kodwa kwicala elidibeneyo, khumbula ukuba abahlala phantsi abawuthathi konke ukugcinwa kwabo kanyekanye. Imali yakho kufuneka iqhubeke isebenza kuwe, izuze inzala kunye negalelo njengoko uqala ukuthatha isabelo.
Sekunjalo, ukuba uJamie uyasindisa kwaye atyhale ngokunyanisekileyo kwi-401 (k) isabelo esihle seminyaka yakhe yokusebenza, injongo yakhe inokwenzeka. Ungasebenzisa i-calculator yomhlala-phantsi njenge-Timer ye-Income Benefit Benefit Research Institute ye-Ballpark E-timati okanye i-calculator yomhlala-phantsi osebenza ngomsebenzisi kwi-Merrill Lynch ukubona into enokwenzeka yona. Ngale ndlela yokubala umhlalaphantsi, ungatshintsha ukucinga kwakho ukutshintsha umphumo. Kuthekani ukuba ndagcina i-2% ngaphezulu ngonyaka, ndasebenza unyaka owongezelelweyo okanye ezimbini, njalo njalo.
Unokufumana ulwazi oluthe xaxa malunga nabanye ababala abahlala phantsi apha . Kodwa ukuba ufuna ngokwenene ukuqikelela ukuba uqikelele kangakanani imali oya kuyidinga ukuba uthathe umhlalaphantsi ujongene neenjongo zakho, zama ukugqiba isicwangciso- mali sokuthatha umhlalaphantsi .
Ukunyaniseka, ukusebenzisa abo balawuli kubangcwina. Isiphumo sokuphela sibonakala singenakufunyanwa, kufana nokuba ndihlulekile ngaphambi kokuzama. Ukudala inombolo yomhlalaphantsi kunengqiqo kwabanye abantu, kodwa kwabanye, kulula ukucinga ukugcina u-$ 200 ngenyanga okanye u-6% ukuya kwi-10% wemivuzo yakho yonyaka (ukusindisa i-18% yinjongo iCandelo loPhando loPhezulu lomPhakamiso licebisa). Ezinye iingcali zezezimali zithi zihlose ukugcina ubuncinane amaxesha angama-12 umvuzo wakho wangoku. Ukuba ufumana nje ngemali, kubaluleke kakhulu ukugcina oko unakho kunokuba uhlose inombolo enjalo engenakwenzekayo ekugqibeleni ungasindisa nto.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.