-Delile
- Ngokwesibonelo
- Imiphumela yokuhlelwa kwezakhiwo emibhangqwaneni engashadile ehlala ndawonye
- Ukuhlelwa kwezindlu zabalingani abangashadile vs. imibhangqwana eshadile
- Amathiphu wokuhlela izakhiwo zemibhangqwana engashadile
- Iziphakamiso zokuhlelwa kwezindlu zemibhangqwana engashadile ehlala ndawonye
Ukuhlalisana phakathi kwezithandani ezingashadile iyakhula. Ngabe kubalulekile ukuthi imibhangqwana engashadile ehlala ndawonye ibe nohlelo lwefa olusunguliwe?
Ukuhlelwa kwezakhiwo kufanele ngokucophelelakucatshangelwe noma imuphi umuntu omdala ngicabanga ngekusasa labo nefa labo, ushadile noma cha.
Imithetho eminingi yokuhlela amafa "eyenzekile" yamukelwa ngesikhathi lapho ukuhlala ndawonye kwakungajwayelekile. Ngenxa yalokho, lezi imithetho ivame ukucatshangelwa i izintshisekelo zomlingani osaphila kodwa ungamnaki umuntu ongashadile naye.
Lokhu akulinaki iqiniso lokuthi imibhangqwana ehlala ndawonye yabelana ngezinto eziningi ezikhathaza imibhangqwana eshadile. Kufanele kube nokuhlelwa okuyisisekelo kwefa labashadikazi abangashadile ngoba badlala indima efana naleyo edlalwa imibhangqwana eshadile ezimpilweni zabo zansuku zonke.
Ngokwesibonelo
Uma omunye umlingani efa, omunye umlingani angashiywa nemali mboleko, izikweletu ezingakhokhiwe, noma izindleko zokunakekelwa kwezingane. Uma bengashadile, umlingani osaphila kungenzeka angabi namalungelo okuthola noma yini kumlingani oshonile.
Lokhu kuhluke kakhulu emiphumeleni uma beshadile, lapho imithetho yakhelwe ngqo ukuqinisekisa ukuthi oshonile usizakala ngokusiza.
“Mina nomkami saze savusa ingxoxo singakashadi, kodwa sasingazi ukuthi siqale kuphi. Kungezinye zezizathu esenza sijabule ukuthi siqale iTrust & Will, ukuletha ukuhlelwa kwefa esikhathini sedijithali, ngomkhiqizo olula futhi ongabizi ukuwusebenzisa. ”
Imiphumela yokuhlelwa kwezakhiwo emibhangqwaneni engashadile ehlala ndawonye
Ukuba nale mibhalo kungasiza ekucaciseni ukuthi ngubani ongakuthathela izinqumo zezezimali nezokwelapha uma ungakhubazekile. Ngaphandle kwencwadi yefa, imithetho yezwe izokwenza ucingo, olungakhombisa noma lungakhombisi izifiso zakho zokugcina.
Umshado unikeza umlingani ngamunye amalungelo athile ongenawo umlingani ongashadile.
Ngale kwesokudla uku thola izimpahla kusuka efeni, lezi amalungelo futhi faka phakathi ilungelo loku yenza izinqumo zokwelashwa, ilungelo receive izibuyekezo zezokwelapha futhi ukuxhumana nodokotela, kanye nelungelo lokwenza izinqumo ngamalungiselelo okugcina kanye nemiyalo yokungcwaba.
Imibhangqwana engashadile ehlala ndawonye idinga ukuba nemibhalo yokuhlela amafa ukuze yakhe la malungelo njengoba ingahlinzekelwe ngaphansi kwemithetho ekhona.
Ukuhlelwa kwezindlu zabalingani abangashadile vs. imibhangqwana eshadile
Manje amaphuzu abalulekile okuxoxwa ngawo lapha - ukuhlelwa kwefa kuhluke kanjani kwabashadile uma kuqhathaniswa nemibhangqwana engashadile? Ngabe kunezinhlobo zamapulani wefa okufanele imibhangqwana engashadile iwacabangele? Ngabe yini ukuhlela ifa okumele ube nakho kwemibhangqwana engashadile
Kulula ukucabanga lokho ukuhlelwa kwefa kwenzelwe imibhangqwana eshadile kuphela ngoba banomlingani abathembele komunye nomunye. Uma ungashadile, uzofuna ukuba nomunye umuntu ozokuthathela izinqumo zezezimali nezokwelapha uma bengakwazi ukwenza kanjalo.
Okufanayo kuya ngezimpahla zakho lapho ungenalo isethi elicacile labazuzi (njengomlingani noma izingane).
Kungahle kube khona umehluko phakathi kwalabo abashadile nabahlala ndawonye abangashadile, ikakhulukazi emazingeni aphezulu empahla.
Emgogodleni wayo, izinhloso eziningi ziyefana -
- Ufuna ukuba necebo endaweni
- Nikeza abantu obathandayo abasinda kuwe, futhi
- Yenza inqubo ibe lula kubo
Lezi izinhloso eziyinhloko ngokujwayelekile hlala uqinisile noma oshadile noma imibhangqwana engashadile.
Kungahle kube nokunye ukucatshangelwa, ikakhulukazi ngokwanda kwamazinga empahla.
Ezinye izinhlobo zamatrasti angakuvumela ucacise kanjani eyakho izimpahla ziyasetshenziswa. Lokhu kuyinto evame ukucatshangelwa ngabantu abafuna ukuqinisekisa ukuthi yabo izimpahla ziyasetshenziswa kumlingani wabo nezingane zabo futhi ayiphambukiselwanga enzuzweniye umshado wakamuva noma ukushada kabusha.
Ngokombono wentela, kungaba nokuhlukahluka okucatshangelwayo kwentela yefa nezipho zabashadayo nabalingani abangashadile, ikakhulukazi ngamazinga empahla asenyakatho ka- $ 5,000,0000.
Amathiphu wokuhlela izakhiwo zemibhangqwana engashadile
Eziningi ze- izisusa ezisemqoka zokuhlelwa kwefa can khona ngaphandle kwesimo somshado - ukuba nezingane, ukuba nomuzi noma enye impahla enkulu, ukuba nabathandekayo ofuna ukubanakekela.
Wonke umuntu kufanele abe necebo endaweni yakhe.
Noma yimuphi umuntu angaqala inqubo futhi bazakhele uhlelo lwabo. Akudingeki kube yinto eniyenza nobabili ngasikhathi sinye. Uma omunye wenu ekhuthazeka, thatha isinyathelo. Mhlawumbe lokho kuzosiza khuthaza omunye ukuba enze njalo futhi.
Imithetho ayiyivikeli imibhangqwana ehlala ndawonye ingashadile ngendlela efanayo njengoba ivikela imibhangqwana eshadile.
Lokhu futhi kungadala ukungqubuzana emthethweni okuthandela omunye umuntu ngaphandle komlingani ongashadile, okungaholela ezingxabanweni nasezinkantolo. Kungaphezulu kwalokho kubalulekile ukubeka uhlelo endaweni ngoba awukwazi ukuthembela emthethweni ukwenza lokho ongathanda ukuthi kwenzeke.
Kubalulekile futhi qiniseka ukuthi uhlelo lwakho lubhaliwe njengomlingani ongashadile angahle angabi namandla afanayo nowakwakhe okwenza uhlelo olungenawo amaphepha.
Ukushintsha kwesimo somshado kuyisikhathi sokuphinde uvakashele noma yiziphi izinhlelo ezikhona.
Izinguquko zingathinta amalungelo ukuthi umlingani ngamunye unakho. Lezo zinguquko zingaphinde zibe nomthelela ekuchazweni okuthile okukhona kwabazuzi, okubandakanya amapulani angama-401 (k). Noma ngabe ucabanga ukuthi yonke into iyile ndlela oyifunayo ngayo, ukushada ingahle ibhale amagama akho futhi ukhiqize umphumela ohlukile.
Iziphakamiso zokuhlelwa kwezindlu zemibhangqwana engashadile ehlala ndawonye
Kunezinye iziphakamiso zemibhangqwana engashadile ngokuthi zingakhuluma kanjani ngokuhlelwa kwefa.
Ingenye yalezo zingxoxo 'zokukhula' ongafuni ukuba nazo endaweni yokudlela, kepha kuyingxoxo ebalulekile ukuba nayo ekhaya ngomongo ofanele.
Ukuze ube 'nenkulumo' ezungeze ama-akhawunti asebhange ahlangene, umshuwalense wokuphila, futhi-ke, ukuhlela ifa, kulula ukukucabanga njengokuthile okukude okungenakwenzeka kuwe.
Awudingi ukuba nenkulumo eyodwa ende ukumboza yonke imininingwane ngasikhathi sinye. Vele uthathe isiqeshana esisodwa ngesikhathi ukuze kungabi nzima kangako. Ukubuza ukuthi “ungafuna ukuqhubeka nokuxhaswa ngempilo” noma “ufuna ukushiswa” kungaba isiqalo esihle futhi kungaba lula ukusonga uma uqala ukuzizwa ukhungathekile.