Iimveliso kunye neNgxowa yoMnyango wokuPhucula umhlalaphantsi
Ngoko wenzenjani xa ujongene nemingeni yemali emhlala phantsi? Unokunqumla iindleko zakho okanye ukwandisa ingeniso yakho. Abathathe umhlala-phantsi abaninzi bakhetha ukugqibela, bekhulisa imali yabo ngokubuyela emsebenzini emva komhlalaphantsi.
Abanye bathi lo msebenzi wesibini kodwa ndikhetha elinye igama lomnxeba: umhlala-phantsi ongena emnyango.
Ukunyusa ngomnyango ojikelezayo ukusuka kumhlalaphantsi ukuya emsebenzini awuyinto elula nje njengoko kuzwakala. Ukuba uqhutyelwa emsebenzini ukwenza into oyithandayo, yiya khona. Nangona kunjalo, ukuba unquma ukuba ngaba umhlala-phantsi umnyango unengqiqo kuwe, qaphela ukuba kunokubakho imiphumo yerhafu, iziphumo zeKhuseleko loLuntu kunye nokunyuka kwemali kwisabelo sakho. Nantsi into omele uyiqwalasele ngaphambi kokubuyela emsebenzini emsebenzini.
Iindleko ezongeziweyo
Ukuba uye waphuma kwilizwe elisebenzayo iminyaka embalwa, awukhumbuli indlela owasebenzisa ngayo ukugqoka iofisi, ufike apho kwaye ubuye, kwaye udla nokusela xa ulapho. Iindleko zezinto ezifana nezambatho, iindleko zokuhamba kunye nokutya okudliwe ngaphandle kwindlu kunokuncedisa ngokukhawuleza, ngoko qi Okanye cinga ukufumana umsebenzi wasekhaya okanye umsebenzi osondeleyo ekhaya apho ezi zinto zingabalulekanga okanye aziyi kunqumla kakhulu kwingeniso oyifumanayo.
Ukuba izilwanyana okanye abanye abantu baye bathembela ekunyamekelweni kwakho kwansuku zonke, unokufuneka uhlawule umxhasi, njengendwendwe yenja okanye umhlengikazi wosuku.
Ingeniso yerhafu yeNgeniso
Olunye umphumo wecala lokunyusa ingeniso yakho inokuzihlahlela kwizinga eliphezulu lentlawulo yengeniso. Khumbula, enye yeenzuzo zokuthatha isabelo kwi-401 (k) okanye i-IRA ngomhla wokuthatha umhlalaphantsi kukuba mhlawumbi unesibhanki sentela esezantsi kwaye ngoko ke ukhokhe irhafu encinane.
Ukufumana itekoni yengeniso kwiminyaka yakho yokuthatha umhlalaphantsi kunokuchaphazela izinga lokuhlawula irhafu kunye nendlela ohlawula ngayo umrhumo weakhawunti yomhlalaphantsi.
Ukhuseleko lweNtlalo
Imibuzo yoKhuseleko loLuntu iyancipha, kuxhomekeke kwiminyaka yakho kwaye nokuba sele sele uqokelela iintlawulo. Masiqale apho. Ukuba uqokelela iNgcaciso yeNhlalakahle kodwa awuzange ufikelele kwiminyaka yobudala yokuthatha umhlalaphantsi (okwangoku kwenye indawo phakathi kweminyaka engama-66 no-67 ukuba uzalwe emva ko-1943), ukubuyela emsebenzini kuya kukubiza, ubuncinane ngoku. Kuzo zonke i-$ 2 ozifumanayo kumyinge wonyaka (okuyi-$ 17,040 ngo-2018), ulahlekelwa yi-$ 1 kwizibonelelo. Ngaphambi kokuba ufikelele kwiminyaka yobudala yokuthatha umhlalaphantsi, umda wonyaka uvela (ukuya kwi-45,3,360 ngo-2018) kwaye ulahlekelwa yi-$ 1 kwizibonelelo zonke i-$ 3 ezifunyenweyo. Xa inyanga yakho yokuzalwa ifika kwaye ufikelele kwiminyaka yobudala yomhlalaphantsi, ufumana inzuzo epheleleyo kungakhathaliseki ukuba ufumana ntoni.
Ukuba uqala ukufumana iNgcaciso yeNtlalo emva kokuba ufikelele kwiminyaka yobudala yomhlalaphantsi, ufumana inzuzo epheleleyo kungakhathaliseki ukuba uyifumana njani.
Ukuba uqale ukufumana iSondlo seNtlalo kusasa kwaye ubuyele emsebenzini kumnyaka, unako ukuyeka ukufumana izibonelelo, ubuyisele umvuzo weminyaka, kwaye uphinda uphinde ufumane ithuba lokufumana izibonelelo ezipheleleyo emva koko.
Ukuxubusha kweMida
Ukuba uthe wagqitywa yi- Medicare , kufuneka uqikelele ukuba inzuzo ye-inshorensi yomqeshi iya kutshintshwa. Xa abantu abaneminyaka engama-65 okanye ngaphezulu bahlanganiswa yi-inshurensi yezempilo yeqela kuba isebenzayo okanye iqabane lisebenza, iqhinga leqela lihlawula kuqala, phambi kokuba inzuzo ye-Medicare ikhatywe kuyo. Oku kuya kuxhomekeka kubukhulu benkampani osebenza kuyo.
Iingqalelo zokugcina umhlalaphantsi
Ewe, ukuba uneminyaka engama-70 ubudala kwaye ufumana imali engenayo, unokufumana ithuba lokubeka igalelo eceleni kwe-akhawunti yomhlala phantsi, njenge- IRA okanye 401 (k) . Xa umnyango ojikelezayo uyeka umhlalaphantsi opheleleyo, unokuba nolondolozo oluncinane olulindele khona.