Iindlela ezi-4 zokuHlaliswa koMhlala-phantsi weZiqulatho zilula
Nazi izigqibo ezine zokuthatha umhlala-phantsi eziza kuba zifuna ukujonga ngendlela eyahlukileyo kunokuba izibini ziza.
1. Khangela kwi-Life Only Annuities kunye neNketho yePensheni
Ukuba unethamsanqa ngokwaneleyo ukuba ube nomhlala-phantsi ofumanekayo kuwe, okokuqala kufuneka ugqibe isigqibo sokuba ufuna ukuthatha isamba semali okanye i-annuity . Ngokude ucinga ukuba ungaphila, ingqiqo yokukhethwa kwekhefu iya kuyenza.
Ukuba ukhetho lokuhlawula lufanelekile ukuba ukhangele ukhetho olulodwa lokuphila kuphela . Olu khetho lunikeza ingeniso ephezulu kuwe. Unokuphinda uthathe i- annuity ngokukhawuleza kunye nenketho yokuphila kuphela. Ezi zinto azikhethi kakuhle kubabhangqwana njengoko iinkampani zomshuwalense zihlawula ngaphantsi xa zifanele zihlawulele ixesha lokuphila elidibeneyo. Kodwa ama-singles angasebenzisa inzuzo ephakamileyo yokuhlawula ubomi ekhoyo.
2. Cinga ngomshuwalense wexesha elide
Izibini ezininzi zithembela omnye komnye ukuze zinyamekele emva koko ebomini. Njengoko ungatshatanga, unokufuna ukhuseleko lokuba wazi ukuba unomshuwalense kwindawo ekhoyo ukuze uncede ukugubungela iindleko zokunyamekela. Unokukwazi ukufumana unonophelo olufunekayo ukuba unomgaqo-nkqubo wokunakekelwa kwexesha elide ukulungiselela ukunceda iindleko.
Azinancinci, kodwa zizisa ukukhuselwa kokwazi ukuba awuyi kugxininiswa malunga nokufakela iimfuno zokunakekelwa kwempilo kamva.
3. Ukhuseleko lweNtlalontle luyinto elula
Ukuba unomtshato ongekho mitshato yangaphambili eyadlulayo iminyaka engama-10 okanye ngaphezulu, ukhetho lwakho loLuntu lweNtlalo lukhethwa ngokulula.
Uya kufumana ngaphezulu ngokulinda ukuya kuma-70 ukuya kubango. Kwizinto ezininzi ezingabonakaliyo, kuya kuba neengqiqo ukubango kwangaphambili ukuba unesizathu sokukholelwa ukuba ixesha lakho lokuphila lifutshane kunomlinganiselo.
Ukuba uyayibanga ngaphambi kokuba ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi kwaye uqhubeka usebenza, jonga umlinganiselo we- Social Security limit ; ungagqiba ukuhlawula imali emva kokuba wenza uninzi. Emva kokuba usuphelile iminyaka yobudala yomhlalaphantsi, umyinge wokufumana umvuzo awusebenzi.
Ukuba ungatshatanga kwaye unomtshato owedlule owawuyiminyaka elishumi okanye ixesha elide ukhetho lwakho loKhuseleko lweNtlalo luyinkimbinkimbi. Unokwazi ukufaka isicelo sokufumana isibonelelo somtshato esekelwe kwingxelo yakho yokufumana ingeniso , kwaye kamva ungatshintshela kwisibonelelo sakho somvuzo . Ukuba unomlingane owake wafa uvumelekile ukuba ufumane umvuzo womhlolokazi / umhlolokazi ngokusekelwe kwingxelo yabo yokufumana. Hlola zonke izinto ozikhethayo phambi kokuba uthathe ibango.
4. Hlola Ukuphila Okunye
Njengoko ungatshatanga, unako ukuphuma kwi-adventure entsha naliphi na ixesha. Ngaba wakha wacinga ngokuphila kwamanye amazwe? Khawubhekisise indlela umhlalaphantsi ongaphantsi ngayo ongayibiza ngayo ; unokumangaliswa ukufumana ezinye izinto ezinokuthengwa. Kuthiwani ngobomi endleleni ehamba ngeRV yokuthatha umhlalaphantsi ? Unokufumana amaqela ukuhamba kunye nobudlelwane kunye nokuzonwabisa.
Unokuqeshisa igumbi phandle kwikhaya lakho ukuzisa imali engaphezulu okanye ukuhamba ngokuhlala kwamanye amakhaya abantu. Okanye mhlawumbi ufuna ukufudukela kwimeko ehlukile. Kwamanye amazwe, abahlala phantsi bahlawula irhafu encinane kunezinye. Zizo zonke izigqibo ezilula ukuzenza njengomnye.
Nantoni na into eyenzekayo, ngoko ungagcini. Qala uceba uhambo lwakho lomhlalaphantsi.