Oko Ukwenza Xa Iziganeko ezingalindelekanga Zikunceda ukuba wenze izigqibo zokuqala
Kubantu abaninzi, umhlala-phantsi yinto abayilungiselelayo kunye nokusebenza iminyaka emininzi. Ingcinga eninzi kunye nokulungiswa kuya kwisicwangciso sokuthatha umhlalaphantsi. Kukho imiba emininzi ethathelwa ingqalelo kubandakanyeka kwixesha elingakanani lokucwangcisa umhlalaphantsi, imali enokuyidinga ukuyilondoloza, kunye nemali enokuyidinga ukuba uphile. Kodwa kwenzeka ntoni xa unesicwangciso esiqinileyo somhlala-phantsi endaweni kunye neemeko ezingaphaya kolawulo lwakho zifuna ukuba ususe iplani yakho yomhlalaphantsi phambili ngaphambili kunokuba kulindelwe?
Ngokwe-Institute of Benefit Benefit Research Institute, phantse isiqingatha sabathathe umhlala-phantsi bangena kumhlalaphantsi ngaphaya kocwangciso. Kulabo baqala ukuhlala phantsi, kuphela ikota yesithathu abakhethayo ukuhlala phantsi ngokuzithandela.
Oko Ukwenza Xa Ufumana Umnikelo Wokuqala Umhlalaphantsi
Kuphando lwabo, i-Employee Benefit Research Institute yafumanisa ukuba enye yeemeko ezibi kakhulu ezixinzelela abantu ukuba zibeke izicwangciso zomhlala-phantsi kwangaphambili kunokuba zikulindeleke ukuba zilahlekelwe umsebenzi. Nangona kunjalo, amaxesha amaninzi okuxothwa kwemisebenzi kunokuvela kwiinkampani ezikhangele ukunciphisa kwaye zinika iiphakheji zokuthatha umhlalaphantsi ezithandekayo kubasebenzi babo. Ukuba uwela kuloluhlu kwaye unikezwa isamba semali ngaphantsi komhlala phantsi, ngaba uyazi ukuba yeyiphi isibonelelo sokwamkela? Kwabaninzi, oku akusiyo isigqibo esilula, kwaye isinyathelo sokuqala ukukwenza izibalo ukuba ubone ukuba umyinge wepenimenti yenyanga wancinci udlula "uvavanyo lwe-6%." Emva koko, ngaphaya kwe-6% vavanyo, qwalasela indlela ezinye iinguqu eziguqukayo izikali ukuya kwisixa senyanga okanye isamba semali.
Ngaba iPhension yakho idlula i-6% yovavanyo?
Ukuchonga ukuba ngaba umhlala-phantsi wakho uhlawula u-6%, uthathe umnikelo wakho wempesheni wenyanga uze uphindise ukuba ngaba ngu-12, ngoko kwahlula le nombolo ngesibonelelo semali.
Ngokomzekelo: i-$ 1,000 ngenyanga malunga nobomi obungama-65 okanye i-160,000 yexabiso lemali namhlanje?
I $ 1,000 x 12 = $ 12,000 ihlulwe ngama-160,000 elinganayo = 7.5%.
Kule meko, kufuneka wenze malunga ne-7.5% ngonyaka kwi-160,000 yezigidi ukufumana imali engama-12,000 ngonyaka. Ukufumana i-7.5% ngonyaka kwaye ngonaphakade unomsebenzi omde, ngoko oko kungitsho ukuba imali yenyanga ingaba yinto engcono kwixesha elide (7.5% likhulu kune-6%). Gcinani engqondweni, inxalenye yempesheni eyenziwa yipeneni ngokuqinisekileyo ukuhlawula imali yakho. Ngokwakho, unako ukurhoxisa u-5% ngonyaka ukusuka nasiphi na isamba semali (nangona imali ifumana i-0%), kwaye imali kufuneka ihlale iminyaka engama-20 (i-5% x 20 iminyaka = i-100% ihoxise).
Ezinye izinto eziMali ezifanele ziCamngce
Emva kokuba wenze izibalo, kukho ezinye iindidi zokuqwalasela phambi kokuba uthathe isigqibo sokuba ngaba isamba semali okanye ipensheni ikulungele wena:
- Uneminyaka yakho ukuqala ipenshoni yenyanga kunye nesixa semali.
- Ukuphila kwakho okude. Ukuba usaphila ixesha elibaluleke kakhulu inani lemali yomhlala-phantsi lenyanga liya kuba nelungelo kuwe.
- Uhlobo lokuhlawula umhlalaphantsi olukhethiweyo. Ingabe isekelwe kuphela ebomini bakho kwaye emva koko uyayeka emva kokuba ufe, okanye ingabe iqhubeka nokuphila komlingane wakho?
- I-solvency yenkampani "ethembisa ipension" iminyaka engama-20 kunye neminyaka, kwaye ukuba i-Pension Benefit Guaranty Corporation (i-PBGC) iya kuphinda ihlawule iintlawulo zakho ukuba iqela lakho langaphambili lihlawula umhlala-phantsi liphuma kwishishini.
- Ukuba uya kuthi ufune ixesha elithile "inani lemali" yemali yengxamiseko.
Iindlela zokusebenzisa iPhakheji yakho yokuhlala phantsi
Emva kokuba ufumanisa ukuba uthathe isamba okanye umhlala-phantsi kufuneka uqwalasele ezinye iindlela okanye iindlela zokusebenzisa ipakethe yomhlalaphantsi:
Fumana ukuba iquka ukunakekelwa kwempilo. Ukuba awufanelekanga kwi-Medicare okwangoku, kufuneka ufunde ukuba iphakheji lakho lomhlalaphantsi liquka ukunakekelwa kwezempilo. Ukuba kunjalo, le yintlawulo enye akuyi kuba nexhala malunga nokuthatha umhlalaphantsi kwakho kwangaphambili.
Sebenzisa ukuthenga ukuthenga iindleko. Unokwenza uhlahlo lwabiwo-mali kwaye ulisebenzise njengengeniso uze uphume, kwaye ubambelele kwimali yakho yokugcina umhlala-phantsi xa ufuna ngokwenene.
Sebenzisa ukuthenga ukuhlawula ityala. Ukuba ufumene ukuthengwa, ukusebenzisa le mpahla yemali ukuhlawula amatyala akho kunokuhamba kakuhle. Khupha i-mortgage yakho, imoto yakho, okanye ulawule loo matyala omvuzo wenyanga nganye ukuze unciphise iindleko zakho.
Gcina ukuthenga kwaye ufumane umsebenzi omtsha. Umhlala-phantsi ongakucwangciswanga awuthetha ukuba kufuneka uyeke ukusebenza ngokupheleleyo.Ukuba ungayifumana umsebenzi kwintsimi yakho okanye uthathe umsebenzi wesikhewu ukwenza into oyithandayo, yiya kuyo. Ngale ndlela, iphakheji lakho lomhlalaphantsi "lifunyenwe" kwaye linokufakwa kwiindleko zakho.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.