Kwabaninzi, ukuthatha i-Social Security kwi-62 akuyilunganga.
Ukuthatha ukhuseleko lweNtlalo kwiminyaka engama-62 kunokubonakala ngathi luyinto efanelekileyo, kodwa kubantu abaninzi, akusona isigqibo esona siphumo semali ongayenza. Uya kufumana ingeniso engaphezu kwexesha elilindelekileyo lobomi bakho ngokulinda kude kube ngumdala wakho wokuhlala umhlalaphantsi , okanye nangaphezulu, ngaphambi kokuqala izibonelelo zakho.
Inqaku le-Huffington Post elingezantsi lithi, "Phantse malunga nesiqingatha sabo bonke abaseMelika benza ifayile kwi-62 - unyaka wokuqala wokufaneleka kwamalungelo . Kodwa kubantu abaninzi, iphutha elibi eliya kuthetha ukukhupha amawaka eerandi kwizibonelelo zobomi-kwezinye amatyala, amakhulu eminyaka. " Funda i-pros and cons for taking Social Security kwi-62.
01 Xa Ndifanele Ndibe Nokhuseleko Lentlalo?
"Kweminyaka ulawulo loLuntu loLawulo loLuntu lucele ukuba abahlala phantsi bathabathe ukuKhuseleko loLuntu ngokukhawuleza kunokwenzeka, nangona ukwenza oko kwakuchaza ukufumana izibonelelo ezincinci ngokusisigxina.
Ngenhlanhla, siyabonga, inxalenye, kwiingxoxo esinazo kunye neNkcazo yazo yeNtloko, iNgcaciso yeNhlalakahle ayisayi kuguqula iingalo zabantu ukuba bathathe inzuzo kwangaphambili. Isizathu sokulinda kukuba ngokwenza njalo, uyathenga ngenyameko i-inshorensi yokuhlala ixesha elide-inshuwalense engaphezulu yokuphila ixesha elide kunokuba kulindeleke. "
02 Indlela yokukhuphula iiNcedo zakho zoKhuseleko loLuntu
"Kungakhathaliseki ukuba kukho utshintsho olwenziwe, ukuqinisekiswa kobungozi boLuntu lwezoKhuseleko aluhlali nanini na ngokukhawuleza - kunye neepesenti ezili-100 ezithile ukuba le nkqubo iya kuba yimithombo yakho ebalulekileyo yokhuseleko kumhlalaphantsi.
Ukunyusa iinjongo zakho zoKhuselo lweNtlalo kuzakufuna ukucwangciswa kakuhle nokuthatha izigqibo. Isigqibo esibaluleke kakhulu oya kuyenza xa ubhalisa. Iindaba ezininzi zeendaba zavela ngoJanuwari 2007 xa i-baby-old baby boomer iphendukele ngamashumi angama-62 kwaye isayinwe ngokukhawuleza yoKhuseleko loLuntu. Kodwa mhlawumbi kwakungekho ukuhamba kwezemali kakhulu ... "
03 I-Best Age yoQeqesho lweNtlalo
Abafazi abatshatileyo kufuneka bathathe inzuzo kwangaphambili. Amadoda athatywayo kunye nabasetyhini abangatshatanga kufuneka baxhomekeke kwizibonelelo ngokukhawuleza.
Esi sigqibo sophando lwakutshanje ngo-economics u-Alicia Munnell no-Mauricio Soto kwiziko loPhando lwezeMhlala-phantsi e-Boston College.
Oku akusona nto abantu abaninzi abayenzayo. Ngaphezu kwama-50% kubo bonke amadoda nabasetyhini baqala ukuthatha inzuzo kwi-62.
Ngelishwa, impazamo abaninzi abantu abayenzayo abayi kuba yedwa. Ekubeni amadoda athambekela ukutshata nabasetyhini abasebancinci kunye nabafazi bavame ukugqithisa amadoda, abafazi abatshatileyo baya kuhlawula ixabiso lamadoda amadoda athabatha inzuzo kakhulu kusasa ... "
04 Qoqa ngoku okanye emva koko? Ixesha lakho loNcedo lweNtlalo
"Ukuqokelela ukhuseleko lweNtlalo ngokukhawuleza xa ufanelekile isiluleko esilingayo - kodwa iingcali ziyavuma ukuba kufuneka uzame ukumelana nangoko ukuba unako.
Uninzi lwabantu alulandeli loo ngcebiso, ukhetha endaweni yokuba uqale izibonelelo kwangethuba. Kutheni ulinde ukuqokelela okufanelekileyo?
Le ngcamango inokuzwakala ingqiqo ngoku. Kodwa ngokwenene, umngcipheko omkhulu kukuba uya kuphila kwiminyaka yobudala ... "
05 62 okanye 70? Nini lokuthatha iiNzuzo zoKhuseleko loLuntu
"Umkami kunye nam sizama ukufumana ixesha elifanelekileyo lokuthatha inzuzo yethu yoKhuselo loLuntu. Umfazi wam unyaka-62 kwaye ufumana ipensheni encinci. Ndiya ku-62 ngoJuni, kwaye ndifumana ipenshoni kwaye ndisebenze ixesha elithile. Inzuzo yam Inhlalakahle yam Inzala yamanqanaba angama-62 yayiza kuba yi-$ 659 ngenyanga, kwaye yam iya kuba malunga ne-$ 1,700. Abazali bam baneminyaka eyi-86 no-90. Unina wam umfazi ngu-87. kwimpilo enhle ... "