Nangona kunjalo, kulunge ukuba uqhubeka nokufaka isandla kwiakhawunti yomhlala-phantsi. Oku kuya kunceda umzali wokuhlala ekhaya kwimeko apho umzali osebenzayo ekhubazeka, ukuba kukho umtshato okanye ukufa. Ukulondolozwa komhlala-phantsi owenzayo ngenkathi uhlala ekhaya kuya kwenza kube lula ukufikelela kwiinjongo zakho zokugcina umhlalaphantsi. Ukucwangcisa umhlala-phantsi ngumnye umbandela wesicwangciso sezemali esisisigxina, ungafuna ukubonisana nomcwangcisi wezemali ukuqinisekisa ukuba yonke into isendleleni.
Izinketho Zokugcina Umhlala-phantsi Ukuze Uhlale Ekhaya Abazali
Ngokomthetho awukwazi ukufaka isandla kwi-IRA ngaphandle kokuba usebenza. Nangona kunjalo, ukuba utshatile uvumelekile ukuvula i-IRA yomtshato xa umntu omnye ehlala ekhaya kwaye engakutholi umvuzo. Imilinganiselo yokufumana umvuzo njengamanje ifana nezinye i-options ze-IRA. Unokuvula kwakhona kwi-IRA yendabuko okanye i-Roth IRA njengenxalenye yesicwangciso.
Unokuvula i-IRA kwindlu yomthengisi kwaye usethe umrhumo wenyanga ngokuzenzekelayo okanye ungayibeka kwibhankini yakho yasekhaya okanye inkontileka yekhredithi.
Ukufumana Imali Yomhlalaphantsi
Ukuba wenza uninzi lwemibingelelo yezezimali ukuze ube ikhaya kunye nabantwana bakho, unokuba nzima ukufumana imali yokufaka umhlala-phantsi rhoqo.
Ukuba ngaba kunjalo unokuba ufuna ukucinga ngeendlela onokufumana ngayo imali yokubeka umhlalaphantsi. Abanye besetyhini bacwangcisa ngokuthatha nje iminyaka embalwa kude kubekho bonke abantwana babo esikolweni ixesha elipheleleyo kwaye bakhawule iminikelo yomhlala-phantsi ngoko ke, kodwa xa ubeka abantwana bakho iminyaka embalwa ngaphandle kwaye unokuba ngaphezu kweyodwa ungekho emsebenzini iminyaka engaphezu kweyishumi kwaye lixesha elininzi lokulahlekelwa ngeminikelo yomhlalaphantsi. Ukongezelela unokufumana ukuba iindleko zakho zikhuphuka njengoko abantwana bakho bekhula kwaye kusenokuba nzima ukufumana imali eyongezelelweyo oyifunayo ukubeka umhlalaphantsi. Nangona ungeke ukwazi ukufaka isandla kakhulu ngenyanga, ukunikela rhoqo ubuncinane i-$ 100.00 ngenyanga kuya kwenza kube lula ukufikelela kwiinjongo zakho zomhlalaphantsi.
Ixesha leXesha lokuSebenza
Enye indlela ongayifumana ngayo imali eyongezelelweyo kukuba usebenze umsebenzi wengqesho. Iinkampani ezininzi aziboneleli ngeakhawunti yomhlala phantsi kubaqeshwa abangasebenzi ngaphezu kweeyure ezingamashumi amabini anesihlanu ngeveki. Ukusebenza kukuvumela ukuba uvule i-IRA, kwaye ukuba ungatshatile iqabane lakho, unokufuna ukuba usebenze ngokwaneleyo ukuze uvule i-IRA ngokwakho. Ukuba uya kusebenza ngexesha lokuthengisa okanye kwinkampani, cinga ukukhangela enye evumela ukuba wenze iminikelo kwi-401 (k) isicwangciso nangona ungasebenzi kwiiyure ezizeleyo.
Unokuqwalasela ukusebenzela ukufikelela kwimfuno encinane ukuze uthathe inxaxheba kwisicwangciso sabo somhlala-phantsi.
Ukusebenza kwiKhaya
Ukuba usebenza ngokuzimeleyo, sebenza njengonkontileka ozimeleyo okanye usebenze lakho ishishini, kuya kufuneka ucebise umhlalaphantsi wakho. Amaninzi amaninzi ahlala ekhaya abuye asebenze ekhaya, kunye nokucwangcisa umhlala-phantsi ngenye yeenzuzo oza kulufuna ukuzicwangcisela wena. Kukho ii-akhawunti ezininzi zomhlala-phantsi ongakwazi ukuzenza ukuba uziqeshwe njenge-SEP IRA kunye neSolo 401 (k). Ukuba usebenza rhoqo uya ku funeka uhlawule irhafu yakho yokuqeshwa, eya kuhlawula kwinkqubo yoKhuselo loLuntu. Nangona akufanele uqikelele kuloo mali xa uceba umhlalaphantsi wakho. Ukuba uceba ukwenza umsebenzi ukusuka ekhaya, kuya kufuneka ufumane indlela yokugubungela iindleko ngelixa usuka kwixesha lokubeleka .
Oku kunokuzisa ukuzimela ngokwezimali kunye nokuthula kwengqondo.