Ndiza kuhlala ixesha elide ixesha lokuhlala phantsi?

by Dana Anspach

Wonke umhlalaphantsi ozayo ufuna ukwazi ukuba ixesha elide liza kuhlala lihlala ngaphaya komhlalaphantsi. Ukuza nempendulo, kufuneka udibanise zonke izinto ezi sixhenxe kuloluhlu.

01 Umlinganiselo Wokubuyela

Iyokuqala kwezinto ezi sixhenxe lizinga lebuyiselo oyifumanayo.

Isilinganiso sokubuyisela osifumanayo kulondolozo kunye notyalo-mali kuya kuba nempembelelo enkulu malunga nokuba imali yakho ihlala ixesha elingakanani. Kuye kubekho ixesha elide apho utyalo-mali olukhuselekileyo (njengama-CD kunye nezibophelelwane zikaRhulumente) zenza umyinge wexabiso elifanelekileyo, kunye namaxesha exesha (njengamanje) apho izinga lentengo liphantsi. Ngokufanayo kunye namasheya. Kukho amashumi eminyaka apho izitokisini zinikezelwa ngokubuyiselwa kwembuyekezo, kwaye kwimashumi eminyaka apho iifom ziza kufana neento oya kuzifumana xa unamathele ngokutshala imali. Ayikho indlela yokukwazi ukuba yeyiphi izinga lokubuyisela oza kufumana kwimali yakho yomhlalaphantsi.

Ukusekela impumelelo yesicwangciso sakho kuphela kwimbuyekezo engaphantsi akuyona ingcamango efanelekileyo. Umyinge uthetha isiqingatha sexesha oya kuzuza into engezantsi.

Yintoni enokuyenza: Khangela imbuyekezo yembali ngokujonga kwimeko efanelekileyo kunye neziphumo ezimbi kakhulu. Ixesha leeminyaka ezingama-20 libukeka likhulu; abanye abenzi. Kufuneka uqinisekise ukuba isicwangciso sakho sisebenza nangona ufumana isiphumo esingaphantsi komyinge. Ungakwazi ukuqhuba iziganeko ezibonisa iindlela ezahlukeneyo ukuze ukwazi ukuba ulungelelanise kwisicwangciso sakho (njengokuchitha imali) xa uthatha umhlalaphantsi kwixesha elibuyisela ngaphantsi kwembuyekezo engaphantsi.

02 Ukulandelelana kokubuyiselwa

Xa uthabatha imali ngaphandle kweeakhawunti, ulandelelwano lwentlawulo, okanye umyalelo apho ufumana khona ukubuya, imiba. Oku kubhekiselwa kwingozi yokulandelana . Ngokomzekelo, cinga ukuba iminyaka yokuqala emihlanu ukuya kwe-10 yomhlalaphantsi wakho konke ukutshala imali yakho ngokufanelekileyo, kwaye ke unganayo kuphela imali ekufuneka uyihoxise, kodwa ukongeza ukulinganisela kwinqununu yakho ikhula. Kule meko, amathuba okuphuma kwemali ahla. Ngakolunye uhlangothi, ukuba utyalo-mali lwakho lwenze kakubi kwiminyaka embalwa yokuqala yokuthatha umhlalaphantsi, unokufuna ukuchitha enye inqununu yakho ukuze uhlawule iindleko zakho zokuhlala. Kuya kuba nzima ukuba utyalo-mali lwakho uzuze kweso sikhundla.

Yintoni enokuyenza: Vavanya isicwangciso sakho phezu kweziphumo ezininzi ezinokwenzeka. Ukuba ulandelelwano olubi lwentlawulo lwenzeka kusenokuba ngumhlalaphantsi, cwangcisa ukwenza utshintsho oluphantsi kokusebenzisa imali kunye nendlela yokuphila ukuze uqiniseke ukuba imali yakho ihlala kwiminyaka yakho yomhlalaphantsi.

03 Ngakanani Unokurhoxisa

Izicwangciso zomhlala-phantsi zemveli zisekelwe kwinto ebizwa ngokuba yizinga lokurhoxisa . Umzekelo, ukuba unayo i-$ 100,000 kwaye uthabatha i-$ 5,000 ngonyaka, ireyithi yakho yokuhoxisa i-5%. Uninzi lophando lwenziwe kwinto ebizwa ngokuba yizinga lokurhoxiswa ngokuzinzileyo; intsingiselo ukuba ungayikhupha ngaphaya ngaphaya kwemali ngexesha lokuphila kwakho. Izifundo ezahlukileyo zibeka loo nombolo ukusuka naphantsi kweepesenti ezintathu ukuya kwisithandathu kwipesenti ngonyaka, kuxhomekeke kwindlela imali yakho inotyalwe ngayo, lixesha elingakanani ofuna ukucwangcisa (iminyaka engama-30 ngokumalunga neminyaka engama-40 umzekelo) nendlela (okanye ukuba) ukwandisa ukuhoxiswa kwakho kwexabiso lokunyuka kwamaxabiso.

Into enokuyenza: Yenza icebo elibala inani lakho lokurhoxisa elilindelekileyo unyaka kuphela ngonyaka, kodwa kunye nokulinganiswa kwexesha lakho lonke lomhlalaphantsi. Ngokuxhomekeke ekuhlaleni koKhuseleko lweNtlalo kunye neepensheni, kunokubakho iminyaka apho kufuneka uhoxise ngaphezu kwabanye. Kulungile xa kusebenza xa kubonwa kwimeko yesicwangciso seminyaka emininzi.

04 Ingakanani Uchithayo - Nokuba Uyisebenzise

Enye yempazamo enkulu yomhlala-phantsi ndiyabona abantu bayenza ngokulinganisela ukuba baya kuchitha ntoni umhlalaphantsi. Abantu bayakulibala ukuba yonke iminyaka embalwa bangenza iindleko zokulungisa ikhaya. Bakhohlwa malunga nemfuneko yokuthenga imoto entsha rhoqo rhoqo. Baye bakhohlwe ukubeka iindleko zokunakekelwa kwezempilo ezinkulu kwibhajethi yabo.

Enye impazamo abantu bayenzayo; Ukuchitha imali ngakumbi xa utyalo-mali luqhuba kakuhle ekuqaleni. Xa uthatha umhlalaphantsi, ukuba utyalo-mali luqhuba kakuhle kwiminyaka embalwa yokuqala yokuthatha umhlalaphantsi kulula ukucinga ukuba uthetha ukuchitha imali eyongeziweyo. Akufuneki ukusebenza ngaloo ndlela; ukubuyela kwixesha elihle kusenokwenzeka kufuneka lihlulwe ukuze lixhase ibuyiselo ezimbi ezingenzeka emva koko. Inqaku eliphantsi: ukuba unqanda kakhulu ngokukhawuleza kunokuthetha ukuba iminyaka eyi-10 ukuya kwe-15 phantsi kwendlela yakho yomhlalaphantsi iya kuba yinkathazo.

Yintoni ongayenza: Yakha uhlahlo lwabiwo-mali kunye nokuqalwa kwendlela ezayo i-akhawunti yakho iya kulandela. Emva koko, jonga imeko yakho yomhlalaphantsi ngokuthelekiswa nokujonga kwakho. Ukuba isicwangciso sakho sibonisa ukuba unentsikelelo, kuphela ke unako ukuchitha ixesha elincinci.

05 Imveliso

Akukho mbuzo malunga nalo, izinto zithengisa ngakumbi ngoku kungaphezulu kweminyaka engamashumi amabini edlulileyo. Imithatho yemali iyinyani. Kodwa ingaba zininzi zempembelelo eziya kuba nexesha elingakanani imali yakho yokuhlala phantsi? Mhlawumbi akunjalo nje ngokuba nempembelelo njengoko unokucinga. Uphando lubonisa ukuba abantu bafikelela kwiminyaka yabo yomhlala-phantsi kamva (abaneminyaka engama-75 ubudala) ukuchitha imali yabo kuthatha ukunciphisa ngendlela ephazamisa ukunyuka kwamaxabiso. Ngokukodwa, ukuchitha imali ekuhambeni, ukuthenga kunye nokutya kuhla.

Kuye waboniswa ukuba ukunyuka kwamaxabiso kuya kuba nempembelelo encinci kwimindeni ephezulu yengeniso njengoko bechitha imali engakumbi kwizinto ezingezizo ezifunekayo kwaye ngoko "zongezwa" ezingenakunikwa ukuba izinga lokunyuka kwamaxabiso liphezulu.

Umngcipheko unempembelelo enkulu kumakhaya aphantsi kwengeniso. Kufuneka udle, udle amandla kwaye uthenge iimfuno ezisisiseko. Xa amaxabiso aphakama kule mihlaba engaphantsi kwemali engenayo ayinazo ezinye izinto kwisabelomali sabo ukuze banqunyulwe. Bamele bafumane indlela yokugubungela iimfuno.

Yintoni ongayenza: Ukubeka iliso iimfuno zokuchitha imali kunye nokuhoxiswa ngonyaka kunyaka kwaye wenze utshintsho njengoko kuyimfuneko. Ukuba unomzi ongenayo imali, cinga ukutshala imali kwikhaya elinamandla, uqala umyezo kwaye uhlala kwindawo ethile kwaye kulula ukufikelela kwezothutho zoluntu.

06 Iindleko zonyango lwezeMpilo

Ukunakekelwa kwezempilo kwimhlala-phantsi akukhululeki. I-Medicare iya kubhala ezinye zeendleko zonyango - kodwa ngokuqinisekileyo akuzona zonke. Ngokomyinge, lindele ukuba i-Medicare ijonge malunga neepesenti ezingama-50 zeendleko ezinxulumene nempilo oza kuzinyusa kumhlalaphantsi. Abathathe umhlala-phantsi abahlala phantsi banokulindela ukuchitha iipesenti ezingama-30 zeendleko zabo zokuhlala emhlalaphantsi kwizinto ezinxulumene nokunakekelwa kwezempilo.

Ezi ngqikelelo zivela ekujongeni iindleko zonyango ezichaphazelekayo zempilo ezibandakanya iiproyamu ze-Medicare Part B, iipolisi ze-Medigap okanye iSicwangciso seNzuzo yeMithi, kunye nokuhlawula kunye kunye noogqirha, ukuhanjiswa kwemisebenzi, imiyalelo kunye nemali yokuva, amazinyo kunye ngumbono.

Yintoni ongayenza: Thatha ixesha lokuqikelela iindleko zakho zokunakekelwa kwezempilo ngomhlalaphantsi . Kungcono ukucinga ukuba baya kuphakama kwaye uza kufuneka uchithe imali epheleleyo echithwayo ngonyaka. Ukuba awufaki iindleko, ngoko ukhululekile ukuchitha imali kwenye into. Ukucwangcisa ngale ndlela kushiya igumbi lokufumana izinto ezingaphezulu. Kulunge ngakumbi kunokuza kufutshane.

07 Uhlala Kude Kangakanani?

Ngokomlinganiselo ungalindela ukuhlala kwiminyaka eyi-80. Kodwa khumbula, akukho mntu uphakathi. Isiqingatha abantu baphila ixesha elide kunomyinge; ngamanye amaxesha ixesha elide. Kungcono ukwakha isicwangciso sakho esicinga ukuba uphila ixesha elide kunomyinge.

Ukuba utshatile, kufuneka ulandele ixesha elide lokuhlala ixesha elide kunokuba ukhangele izinto ngokungathi ungatshatanga. Ukuba unomlinganiselo wobudala kufuneka ucinge ngethuba lokuphila komncinci wabini. Xa ixesha lakho lomhlalaphantsi lide lide lide, kufuneka uqaphele ngakumbi malunga nokubeka iliso ukuze uqiniseke ukuba uphumelele.

Into enokuyenza: Balinganisa ixesha lokuphila kunye nokubeka ndawonye umhlala-phantsi wokuba umhlalaphantsi, unyaka wonyaka wexesha lomvuzo neendleko. Ukwandisa lo mgca wexesha ukuya kuma-90 ubudala.