Abaqeqeshi bezeMali bangakunceda ukuba ufumane iziCwangciso zakho zokuHlala kwiNdlela
Iingxaki ezinxulumene namatyala ziyimqobo enkulu ekuhambeni kokugcina umhlala-phantsi. Ukulondoloza kwi- 401 (k) isicwangciso okanye i-IRA ingaba ngumngeni kubantu abahlala ehlawula ukuhlawula.
Ngenxa yoko, kunokuba lula ukuba uthathe umhlala-phantsi kungenakukhetha ukuba unenkinga yokuhamba kwemali kunye nemiba yeetyala.
Iindaba ezilungileyo kukuba umhlala-phantsi unokuba ngumnqweno onokufezekisa ukuba unokuthatha amanyathelo athile ukuze uphucule iimali zakho. Enye indlela yokunciphisa uxinzelelo lwezezimali kwaye uthathe ulawulo lwekamva lakho lezezimali kukudala nokulandela isicwangciso sezempilo. Isicwangciso senkcitho yokucwangcisa isisoloko sisisiseko solu cwangciso lwezemali. Ngelishwa, asisoloko senza izigqibo ezinengqiqo kunye nemali yethu kunye nokuziphatha kwethu kwezemali kuchatshazelwa izinto ezahlukeneyo ezifana neengcamango ezinxulumene nemali, iinkolelo kunye neengcamango zokuqonda.
Umsebenzi ophuculweyo wezocwangciso lwezemali uncinci kwaye usemgangathweni wokunceda ukunyusa inaliti yokulungisa umhlalaphantsi ngendlela efanelekileyo. Ingxaki yinto yokuba abaninzi baseMelika abanokuphathwa kwemali kunye nokuxhalabisa kwetyala, ukufikelela kwi-professional planning planning yezimali kungabonakali njengendlela efanelekileyo.
Kungenxa yokuba inkqubo yokucwangcisa imali yenkcubeko isoloko ijolise kwizihloko ezinxulumene nokuthatha umhlala-phantsi, i-inshorensi, i-estate, irhafu yentlawulo, kunye notyalo-mali.
Uqeqesho lwezezimali lunako ukuzalisa le nto kwaye lubonelela ngemfundo efunekayo, ukukhokelwa kunye nokuxhotyiswa kwabantu abafuna iindlela zokuphumelela ngokuzimela kwemali.
Uthintelo olwalamano oluyimpumelelo lokuqeqesha ngemali lukholo kunye nokunyaniseka. Ukunyamekela kubalulekile. Ukuba usebenza nomqeqeshi wezezimali kubalulekile ukuba udibane ngokufanayo nomqeqeshi wakho. I-Finesse yezeMali, umniki-mpahla wezezimali kwimisebenzi, yafumanisa ukuba abasebenzi abaphindaphinda abasebenzisi beeprogram zabo zokuphila kakuhle babenempilo ephezulu ngokubanzi, babekulungele ukuhlawula umhlalaphantsi, balawulwa ukuhamba kwemali ngokukhawuleza kwaye bekhululekile kakhulu ngamanqanaba abo amatyala.
Yintoni umqeqeshi wezezimali?
Injongo ephambili yomqeqeshi wezezimali kukufundisa abathengi kwizinto ezisiseko zezemali kunye nokusebenzisa indlela yokubambisana, bancede aba bathengi benze isicwangciso sobulungisa esilungelelanisa izibonelelo zemali zabaxhasi ngexabiso kunye neenjongo zabo. Umqeqeshi wezezimali uzama ukukhuthaza nokuxhobisa abathengi ukuba bathathe uxanduva lwezakhe izigqibo zemali. Umqeqeshi wezezimali unika inkxaso ngenkqubela phambili yokufunda nokukhula. Abaqeqeshi bezezimali bazama ukuguqula ulwazi lwezemali kwizenzo kwaye bakhonze njengamaqabane okuphendula ingxelo kulo lonke le nkqubo.
Umqeqeshi wezeMali angayithuthukisa njani umhlala-phantsi wakho?
Ukunciphisa ityala kunye nokudala isicwangciso sokusetyenziswa komntu siqu kunokuba ngumbane wokugcina umhlala-phantsi.
Abaqeqeshi bezezimali banokukunceda ukubonelela izikhokelo ezifunekayo ukuchonga indlela yokubeka phambili iinjongo zemali . Umqeqeshi wezezimali osebenzayo udibana nabaxhasi babo apho babesemsebenzini kwaye abanalo i-ajenda yokuthengisa efihlakeleyo okanye iimpikiswano ezingabangela umdla. Xa ufuna umqeqeshi wezezimali kufuneka uhlale efuna uqeqesho olungenamkhethe.
Kubalulekile ukuqaphela ukuba ukuqeqesha, ukukhokela kunye nokucebisa okuvela kumqeqeshi wezemali uhluke kakhulu kwiingcebiso zemali zemveli. Ngenxa yoko, kukuxanduva lomqeqeshi wezemali ukukunceda ukuba uthathe inyathelo kwaye wenze izigqibo zemali ezithembekileyo. Abaqeqeshi bemali bajonga impumelelo yabo ngokusekelwe ekutshintsheni kokuziphatha kwabaxhasi babo.
Nayi eminye imibuzo ebalulekileyo yokubuza umqeqeshi wezemali onokuthi:
- Ngaba ukhona ngefowuni, i-imeyile, ingxoxo yevidiyo, okanye iintlanganiso zabantu?
- Ziziphi izikhundla ezikhethekileyo onayo? Imizekelo yokukhangela ibandakanya ukutyunjwa kweCrediter Certified Certified , uCredit credential, Consulting Financial Chartered (ChFC), okanye uMcebisi wezeMali oVunyelweyo (AFC).
- Ngaba oku akunakulungelekanga ngokungabikho nto yokuthengisa?
- Ulinganisa njani impumelelo?
- Ukuba iinkonzo zinikezelwa njengenzuzo yomqeshwa, ingxoxo yethu iyimfihlo ngokupheleleyo?
Ukuba ufuna umqeqeshi wezezimali kubalulekile ukuba inyaniso yokuba umqeqeshi wakho wezemali unobungcali obungabalulekanga kwaye akazami nje ukusebenzisa iimfundiso ezinjenge "coaching" okanye "ukunyameka kwemali" ukuthengisa utyalo-mali, i-inshorensi okanye olunye uhlobo iimveliso. Umqeqeshi wezemali wangempela akayi kukuthengisa nantoni na.