Ukulawula imali engenayo isasebenza
Inkcazo epheleleyo yemali engenayo engenayo ingeniso evela kwiityalo-mali okanye kwimisebenzi yoshishino. Awuhambi emsebenzini ngamnye ngosuku ukuze uthole imali engenayo, nangona ukulawula utyalo-mali lwakho kusenokufuna umsebenzi. Ukuhlala phantsi, nangona usichaza oko, kufezekiswa xa ungenakusebenza ukuze ufumane ubomi, kodwa kunokuba ungathembela kwimithombo ethembekileyo yengeniso.
Indlela yokwakha imithombo yemali engenayo
Uninzi lwabantu luyakha imithombo yengeniso engaphantsi kwexesha ngokusebenza, ke ukugcina kunye nokutshala imali yezinto abazifumanayo.
Bakha ukugcinwa kwabo kunye nokutyalomali kwiindawo apho utyalo-mali luvelisa imali eyaneleyo yokuba banokuthatha umhlalaphantsi, kwaye ke balawula kuphela utyalo-mali okanye amashishini.
Incwadi ethi Rich Father Poor Poor yenza umsebenzi omkhulu wokukunceda uqonde umehluko phakathi kokusebenza kwimeko yokusebenza emsebenzini kunye nokusebenza ekwakheni ishishini kunye nephothifoliyo yokutshala imali ekwazi ukuvelisa imali engenayo.
Emva kokuba unotyalo-mali, kufuneka ufunde ukulawula, ngoko kuvelisa imali engenayo ethembekileyo. Xa uthatha umhlalaphantsi, kukulungele ukuba ulandele uluhlu olumkelekileyo lwemithetho yolawulo lotyalo-mali ukuze uqiniseke ukuba awuyikurhoxisa kakhulu ngokukhawuleza kwaye ngaloo ndlela uza kuphazamisa ingeniso yakho yesikhathi esizayo.
Iimpazamo zeNgeniso
Enye yeempazamo abantu abazenzayo xa beceba ukufumana imali engaphantsi komhlalaphantsi bacinga ukuba banokubeka yonke into ngokuzimela. Ukulawula utyalo-mali, nokuba ngaba yimali yeemali, i-akhawunti yomhlala-phantsi, amashishini okanye i-estate, ithatha ixesha.
Unokuqesha abantu abalungileyo ukukunceda, kodwa kusadingeka ugcine iithebhu kulabo bantu nangomsebenzi abawenzayo.
Amakhono okuqonda angakwazi ukuhla ngokukhawuleza emva kweminyaka engama-65 ngaphandle kokuba uqaphele ukuba kwenzeka. Ngenxa yoko, kubalulekile ukuba ngabacebisi kunye namalungu entsapho oyithembayo.
Yabelana ngezicwangciso zakho zokufumana ingeniso kunye nabantu abathandayo abathembelayo kwaye ngubani oyaziyo uya kukukhangela.
Indlela yokufumana imali encinci kuMhlalaphantsi
Ukusuka kwishishini - Ukuba ufuna iindlela zokwakha ishishini, qalisa ngokwenza uvavanyo lwemimandla apho unamava kunye noluthando . Unokubuyela kwiminyaka emininzi kwizinto ozenzayo xa usemncinci kwaye ufumanisa ukuba umdlalo omdala wokudibanisa kunye neminyaka yamava oshishino unokuguqula into into ejabulisayo neyolisayo. Le nkqubo ingakunceda ukuba ufumane iingcamango zoshishino ezijongene nezakhono osukho nazo.
Ukususela kutyalo-mali uya kufuna ukufunda okuninzi ngendlela onokumisela ngayo imali . Uhlobo ngalunye lotyalo-mali, njengenzuzo yengeniso kwiibhondi, inzuzo yemali evela kwiimpahla, imali-mali yomhlala-phantsi yomhlalaphantsi, utyalo-mali oluphezulu, kunye neengeniso zentlawulo, inenzuzo kunye nobutyebi. Akukho nto enjengotyalo-mali olugqibeleleyo ukwenzela ukudibanisa iphothifoliyo kunye nokhetho olukhethiweyo luqhelekileyo.
Ukususela kwizindlu zokuhlala eziqashisayo - Abantu abaninzi banokufumana imali engenayo engenayo kwizindlu zokuhlala eziqashisayo . Ingaba isicwangciso esisebenzayo, kodwa kufuneka wenze umsebenzi wesikolo ngaphambi kokuba uhlawule le ndlela. Abanini-zimali abanomhlaba abaphumelelayo bayayibheka njengeshishini, kungekhona njengesicwangciso-esisisityebi sokukhawuleza.
Ukusuka kwishishini lokuthengisa inethwekhi - Amashishini amaninzi amanqaku okuthengisa, okubizwa ngokuba kukuthengiswa kwamanqanaba amaninzi, akuxelele imodeli yabo yoshishino yindlela enhle yokwakha ingeniso engenayo. Ndibone abantu benempumelelo enkulu yokwakha ezi ntlobo zamashishini, kodwa ndinokuxelela ukuba akukho nto ayikhoyo. Njengokwakha nayiphi na ishishini, kufuna iiyure ezininzi kunye nomsebenzi onzima.
Inkcazo yeNkcazo yeNgeniso yeNgeniso
Ukusuka kwerhafu yerhafu, kukho inkcazelo engakumbi yezobugcisa zemali engenayo. I-IRS ichaza ingeniso engenayo nje ngokuba "umsebenzi ongenamsebenzi naluphi na umsebenzi wokuqeshisa OKANYE nayiphi na ishishini apho umrhafi ayingathathi inxaxheba." Kwakhona, imali engenayo ingabandakanyi umvuzo, iipotifoliyo, okanye ingeniso-mali. Imisebenzi engeyiyo yimiba ngamashishini apho umrhafi osebenzayo rhoqo, eqhubekayo kwaye eninzi.
Ingcaciso engentla ichaza umahluko phakathi kwemali engenayo kunye nepotfolio / ingeniso-mali. Oku kwahlukileyo kusetyenziswa ekuqaliseni ukuba zeziphi iintlobo zerhafu echithwayo ekufuneka isetyenziswe xa ufumana ilahleko kwi-investment investments.
Enye yeengxaki eziphambili phakathi kwemali engenayo, ingeniso-mali kunye nemali engenayo , awuyikuhlawula irhafu yentela (iifayili ze-FICA ezifana neentlawulo zeNtlalo kunye ne-Medicare) kwimali engenayo engenayo okanye ingeniso-mali.