Ndifuna amagama kwiGoogle, kwaye ndifumana ezininzi iinkampani, abacebisi, ama-inshorensi kunye nama-annuity agents abonelela ukundithengisa imali, kodwa akukho ndawo enye evumela ukuba ndihambe kwinkqubo ngaphandle kokuthetha nomntu. Musa ukungahambi kakuhle, sonke sidinga uncedo, kwaye sonke sifuna ukufunda kabanzi malunga nemali, kodwa kuthekani ukuba ndifuna nje ukuhlala nokuphanda iimveliso, iinzuzo, kwaye ndize ndiqhube izicatshulwa zam ukuze ndibone indlela abasebenza ngayo?
Kulo suku kunye neminyaka "Yenza Yakho" phi ukukwazi ukuphanda, ukufunda, ukuqhuba isicatshulwa, nokuthenga le mveliso ngqo?
Icandelo lokuShishino lokuThuthukiswa kweMali liyakunqandeka ukuphazamiseka kwiNkqubo yabo yokuSasazwa
Faka oku ngolu hlobo; Ungathenga imoto, uqeshise imoto, uthenge inshorensi yomshuwalense wexesha, i-inshurensi yomshuwalense, iimali eziphathekayo, iimpahla, izibophelelo kunye nantoni na ongayicinga nge-intanethi. Kutheni kungabikho imali? Impendulo yam kukuba iinkampani azifuni ukuphazanyisa amanxeba abo okuhambisa. Kanye nje xa ndiyinkwenkwe yethu ibisi yathunyelwa emnyango wethu wangaphambili - ayikho kwakhona. Ukuphazanyiswa kufumaneka umthombo wokunikezelwa kwabasebenzisi. Utshintsho luhlala luhle, kwaye inkqubo yokuthenga i-annuities iyatshintsha kwakhona.
Akuzona zonke iziThuthi eziNinzi eziMaqondiyo ukuyiqonda. Abanye baFakela uLawulo loLwazi oluPheleleyo ngokupheleleyo.
I-Steve Jobs yaziwa ngokuba yenza izinto zibe lula njengoko kunokwenzeka kumthengi. I-iPhone inekinobho enye, kwaye uthinte isikrini ukwenza ukuba kulula ukuyisebenzisa.
Khangela oko kwenzeka ntoni nale ngcamango! Umbono wam wesibini malunga nokuba kutheni ungathengi i-annuity online kukuba imveliso inzima kakhulu ukuchaza. Enyanisweni, amaninzi amanxusa akakwazi ukuwachaza ngokuchanekileyo . Kodwa, kukho ithemba. Kukho iinkontrakthi ezine ezilula kunye nezisisiseko zemvumelwano ezihambelana neninzi yezidingo zomthengi / umtyalomali:
I-Premium yodwa ye-Annuity (SPIA)
Igama nguSteve Jobs onobungane. I-premium yodwa ingeniswe kwi-annuity eqala ingeniso yenyanga ngenyanga ngokukhawuleza, kwaye iqinisekiswe ubomi. Okanye, njengokuba ndiyathanda ukutsho nje yi-INCOME NOW isivumelwano se-annuity. Ukuba ufuna i-INCOME eqinisekileyo MANJE uphando kwi-SPIA.
I-Annuity yeNgeniso eThatywayo (DIA)
Kwakhona, igama lithi konke ... Kukhethiweyo, de kube ixesha ubeka ingeniso yenyanga ngenyanga ukuqala, kwaye uqinisekiswe ubomi. Okanye, njengoko ndithanda ukuthetha, yinto nje yintengo yenkontileka ye-INCOME. Ukuba ufuna i- INCOME EQINISEKILEYO , ngomhla ochaziweyo, jonga kwi-DIAs kwi-DIAS.
I-Contract Annuity Contract (QLAC)
Ndiyathanda ukuba eli libizwa ngokuba yiContrakthi yeNgeniso Yentlawulo Efanelekileyo. Isebenza ngokufanayo ne-DIA ngenzuzo elula yokusebenzisa imali ye-IRA nokuyibeka phakathi kweminyaka engama-70 ½ no-85 ngaphandle kokufunwa ubuncinci. Kwakhona, oku kuqinisekisiwe NGENXA YOKUBHALWA, ngomhla ochaziweyo, kwaye akukho-RMD efunekayo yonyaka ochaziweyo. Funda kabanzi malunga ne-QLAC kwi-QLAC.direct.
I-Annuity eqinisekisiweyo yeeMinyaka emininzi (MYGA)
Ukubeka nje, Inzala eqinisekisiwe ngexesha eliqinisekileyo. Kusebenza ukuba ufuna umnqophiso oqinisekileyo ngenani le-interest eliqinisekileyo ngexesha elithile.
Ndiyathanda ukubiza le nto ayikho inkontileka yenkxaso yemali. Hlaziya zonke iinketho zakho kwi-MYGA.direct.
Into Eyona Njalo, Ngoku Unako Uphando Lwemali Ngokukhawuleza!
Kukho indawo ebizwa ngokuba yi-Annuities.direct apho umntu angakwazi ukufunda kabanzi malunga nale mivuzo kunye nendlela abasebenza ngayo, kwaye baqhube neempendulo zabo. Ngaba kunokwenzeka ukuba uthenge isivumelwano se-annuity? Impendulo phantse ewe. Kutheni kuphantse? Iinkampani zenkxaso zifuna wonke umntu ukuba aqinisekise ukuthengwa kwemali kunye ne-arhente ukufaneleka. Akukho buhlungu. Elula, ukungahlawuleli, kunye nokukhethwa komthengi ngokupheleleyo ukusayina ewe okanye cha. Awufezekanga (okuya kuba kukuthenga ngokuthe ngqo), kodwa kungcono kunokuba utshelwe into yokuthenga. Njengoko uSteve Jobs wathi, "Indlela elula yindlela efanelekileyo kakhulu." Ngoku kunokwenzeka ukuba uphando ngokuzimela kwaye ufumene i-annuity efanelekileyo ehambelana nemeko yakho.