Umxholo
- Impembelelo yeemvakalelo yoQhawulo-mtshato oluNgwevu
- Ziza kwahlulwa njani iiasethi zakho?
- Kuthekani Ngomhlala-phantsi?
- Ukufuduka emva koqhawulo-mtshato (kunye nomhlala phantsi)
Ngokungafaniyo neqela labazali babo, iiBantwana Boomers baqhawula umtshato kwinqanaba eliphezulu kakhulu. Nokuba oku kungumphumo wokuba abantu ababhinqileyo bajoyine abasebenzi kwaye bafumane inkululeko kwezemali, ugxininiso olomeleleyo kulonwabo lobuqu ngaphezulu kwezibophelelo zomtshato, okanye ukudityaniswa kwezinye izinto, izibini ezininzi ezingaphezulu kweminyaka engama-50 zifaka uqhawulo mtshato.
Ngokuqhelekileyo eyaziwa njenge “mtshato oqhawukayo,” uqhawulo-mtshato emva kokuphindaphindeka ngama-50 ukusukela ngo-1990 ukuya ku-2010.
Usenokungacingi ukuba wena kunye nobudala beqabane lakho nenza umahluko kwinkqubo yoqhawulo mtshato. Nangona kunjalo, ubudala bakho bunempembelelo enkulu kumava akho oqhawulo-mtshato nakwicala elisemthethweni lenkqubo.
Ngaphambi kokuntywila kwinkqubo, kubalulekile ukuba uqonde ukuba ubudala bakho bukuchaphazela njani ukuqhawula kwakho umtshato.
Impembelelo yeemvakalelo yoQhawulo-mtshato oluNgwevu
Enye yezona zinto ziphambili ekuqhawuleni umtshato unama-50 nangaphezulu yindlela oza kuphila ngayo ngaphandle kweqabane lakho.
Mhlawumbi ulahlekelwe yintlantsi yothando, awonwabanga bubudlelwane bakho, okanye awusavani. Ngaphandle kwezi nyaniso zikuxelela ukuba ukufaka uqhawulo-mtshato emva kweminyaka engama-50 yeyona nto ilungileyo, amashumi eminyaka yomtshato anokukushiya ungaqinisekanga ngemiphumela yakho yokuguga kuqhawulo-mtshato, ukukwazi ukuhlala wedwa, zombini ngokweemvakalelo nangokwezimali.
I-bond oyenzileyo nomntu obutshate naye iminyaka engama-20, 30, okanye engama-40 inokwenza kube nzima ukuhlala ngokwahlukeneyo kwaye wenze indlela entsha, nokuba anonwabanga kunye.
Kusenokwenzeka Ukujonga ngokutsha isigqibo sakho ukufaka ifayile yoqhawulo mtshato ngenxa yokoyika ikamva lakho okanye imvakalelo yokulahleka obungalindelanga ukuba uyive.
Inyani yile, nokuba umtshato wakho awunakulungiseka, uyakube usiva iimvakalelo zelahleko kunye nosizi xa ukutyhala kuza kutyhala. Le yimvakalelo yendalo kwaye iya kuhamba emva kokuba uthathe ixesha lokuphilisa.
Ukuba unengxaki yokugqitha kwesi sithintelo ngokweemvakalelo okanye awuqinisekanga ngoqhawulo mtshato emva kweminyaka engama-50, inokuba ngumbono olungileyo ukubhenela kunyangi okanye kumcebisi ukuze ufumane uncedo.
Ngokuthetha ngeemvakalelo kunye neemvakalelo zakho ngoncedo lweengcali, uya kuba nakho ukulungisa iingxaki zakho kunye neemvakalelo, ungene kuqhawulo-mtshato wakho ngentloko ecacileyo nenqanaba.
Ziza kwahlulwa njani iiasethi zakho?
Impembelelo yoqhawulo mtshato inokubaluleka ngakumbi xa uqhawula umtshato kamva ebomini.
Zininzi iindawo zenkqubo yoqhawulo-mtshato ezinokuchaphazela ezemali, eyona nto ixhaphakileyo yinkqubo yokwahlukana kwepropathi yoqhawulo-mtshato. I-Illinois ngumbuso olinganayo, oko kuthetha ukuba inkundla iya kwahlulahlula ipropathi yakho yomtshato ngokufanelekileyo, hayi ngokulinganayo.
Kwimpahla ezahlulwe ngoqhawulo-mtshato ngendlela enobulungisa, inkundla iya kuthathela ingqalelo izinto ezininzi ngomtshato wakho, kubandakanywa nomtshato ubude.
Ukuba nitshatile amashumi eminyaka, niqokelele izinto ezibalulekileyo kunye, kwaye nithatha isigqibo sokufaka uqhawulo-mtshato emva kweminyaka engama-50, niza kuba nezinto ezininzi zomtshato kuqhawulo-mtshato nizahlule, kwaye le nkqubo iya kuba nzima ngakumbi isekwe kwinani leminyaka benikunye.
Kuyafana nangokumiselwa kwenkxaso yomlingane.
Kwizibini ezitshatileyo, ukugcinwa komtshato kunokuba lixabiso eliphantsi kwaye kunokuba nexesha elifutshane kunelabo bafaka uqhawulo mtshato kwiminyaka elandelayo. Kukho izizathu ezimbalwa zoku.
Abantu abatshatileyo abadala abebehlala ekhaya ubomi babo bonke akunakulindeleka ukuba babuyele esikolweni, baqhubeke nomsebenzi omtsha, okanye babuyele emsebenzini. Umthetho wenkxaso yomlingane wase-Illinois unesibhengezo esichaza ukuba inkxaso yomtshato inokupheliswa ukuba iqabane elamkelayo lingenzi mzamo wokuzixhasa.
Ngamanye amagama, ukuba iqabane elifumana inkxaso mali alizami ukufumana umsebenzi, iitsheki zenyanga zingaphela.
Kubaqhawulo-mtshato abadala abakufuphi nokuthatha umhlala-phantsi, ukufumana umsebenzi omtsha okanye ukuqala ikhondo kunokuba yinto engekho ngqiqweni. Isigqibo senkundla malunga nenkxaso yomlingane siyakubonisa ezi zinto ziyinene.
Kuthekani Ngomhlala-phantsi?
Kwiimeko ezininzi, abantu abatshatileyo badibanisa imali yabo yomhlala-phantsi belindele ukuba bobabini baya kuphila kwezi akhawunti kamva ebomini.
Ngelixa le iyindlela efanelekileyo yokongela umhlala phantsi, inokwenza inkqubo yokwahlulwa kweeasethi ibe nzima ngakumbi ukuba uqhawula umtshato emva kwexesha kwaye uqala ngokutsha.
Ke, ungasinda njani kuqhawulo mtshato emva kwama-50?
Ukujongana nezi ngxaki, i-odolo efanelekileyo yobudlelwane basekhaya (i-QDRO) inokufakwa.
I-QDRO ngumyalelo wenkundla osetyenziselwa ukwahlula izicwangciso zomhlala-phantsi. Olu xwebhu lusemthethweni lunika elinye iqabane, elaziwa ngokuba "ngomnye umntu ohlawulelayo," ilungelo kwinxalenye yesibonelelo seqabane labo langaphambili.
Oku kubaluleke ngakumbi kumaqabane angakhange asebenze ngexesha lomtshato wabo okanye umqeshi wabo anganikanga ngezicwangciso zomhlala-phantsi ezixhasiweyo.
Iinkcukacha zeQDRO yakho ziya kuxhomekeka kwisicwangciso somhlala-phantsi osibeke kunye neqabane lakho. Ngexesha lenkqubo yokwahlula-hlulwa kwempahla, wena neqabane lakho niyakudiza iinkcukacha zesicwangciso somhlala-phantsi kunye neengxowa-mali ukuze amagqwetha enu azi ngemiqathango yawo.
Masithi kuthathwe isigqibo sokuba uyakunikwa inxenye yeakhawunti yomlingane wakho yomhlala-phantsi. Kwimeko enjalo, inkundla iya kukhupha i-QDRO oyibhalileyo wena negqwetha lakho, ize ingenise uxwebhu olusemthethweni kwisicwangciso somhlala-phantsi seqabane lakho langaphambili okanye kumlawuli womhlalaphantsi.
I-QDRO iyakwamkelwa okanye ikhatywe sisicwangciso. Ukuba saliwe, wena negqwetha lakho ninokuphinda nityelele iinkcukacha ze-QDRO ukuze nenze naluphi na uhlengahlengiso oluyimfuneko.
Kwividiyo engezantsi, uShawn ucacisa ii-IRAs kunye nokuba zeziphi zezona zinto zilula ukwahlulahlula, ezifuna kuphela i-odolo kwijaji. Ucacisa ngakumbi iQDRO kwaye axoxe ngendlela esebenza ngayo:
Ukufuduka emva koqhawulo-mtshato (kunye nomhlala phantsi)
Uninzi lwabantu abaqhawula umtshato baya kuthathela ingqalelo indawo yokuhlala emva kokuba umtshato wabo ugqityiwe. Oku kunokukunika isiqalo esitsha ngaphandle kokukhathazeka ngokubaleka kwiqabane lakho langaphambili okanye iinkumbulo ezivela kwikona nganye.
Ukufuduka kuqheleke ngakumbi kubantu abadla umhlala-phantsi, abatshatileyo nabaqhawule umtshato. Ukuba uza kuqhawula umtshato emva kwexesha elide kwaye usondela kumhlala-phantsi, kuya kufuneka ujonge indawo oyikhethayo.
Xa uhlala wedwa kwaye ungenayo ingeniso okanye uthembele kwintlawulo yenkxaso yomlingane, ukufuduka kunokuba nzima njengokupakisha ibhegi kunye nokufumana indawo entle yomhlala-phantsi.
Usenokucinga ngobomi emva koqhawulo-mtshato kuma-50 kumanxweme aseFlorida, okanye ukutshona kwelanga eCalifornia. Ngokwenyani, iindleko zokuhlala kwezi ndawo zixabisekileyo zinokungazenzi ukhetho lwakho.
Ukufikeleleka kukarhulumente ngamnye, inqanaba lolwaphulo-mthetho, inkcubeko, imozulu, kunye nabanikezeli bempilo abaqwalaselweyo ukubona ukuba zeziphi iindawo ezifanelekileyo kwabo badla umhlala-phantsi. Ngokwolu phando, i-Nebraska kunye ne-Iowa babekwa njengamazwe amabini aphezulu, ngelixa amazwe amahle, afana neFlorida neCalifornia, ayesezantsi kakhulu kuluhlu.
Ngelixa usenokungatsiba ithuba lokufudukela kwezi ndawo zikuMidwest, kubalulekile ukuba ubenokwenyani malunga nokufuduka. Uphando ngeenkonzo ezithile zononophelo lwempilo.
Ngaba bakwi nethiwekhi yakho yokhathalelo lwempilo?
Ngaba banabasebenzi bezonyango abanesidima?
Njengomntu ongaphezulu kweminyaka engama-50, ukhathalelo lwakho lwempilo kufuneka lube yenye yezona zinto ziphambili xa ukhetha ikhaya elitsha. Kuya kufuneka ujonge imeko yentlalo kwezi ndawo zinokubakho.
Kuba awusabophelelwanga ngumlingane, uya kuba nexesha elingakumbi lokunxulumana nabahlobo okanye umdla omtsha wothando. Qiniseka ukuba indawo ohamba kuyo inoluntu lwabantu abakwiminyaka yakho ababelana ngezinto ezifanayo kuwe.
Awunakufuna ukufudukela kwindawo yokuhlala umhlala-phantsi, kodwa kufuneka kubekho abantu abanjengawe onokuhlala nabo, ngakumbi emva kokuqhawula umtshato emva kwama-50.
Njengomntu osele ekhulile, iindawo ezibalulekileyo zoqhawulo mtshato emva kwama-50 zinokwahluka kunabalingane bakho abancinci. Usenokuba udlulile kwinqanaba apho ukugcinwa komntwana kuyinkxalabo, kodwa iinkcukacha zomhlala-phantsi zinokuzalisa ngokukhawuleza esi sithuba.
Kubaluleke kakhulu ukusebenza negqwetha lomthetho losapho laseNaperville owazi kakuhle ubunzima beqhawulo mtshato ongwevu. Fumana igqwetha loqhawulo-mtshato eliza kugxila kwiinkcukacha zomthetho, ezinje ngokwahlula iiasethi zakho kunye nokuyila iQDRO, ekuvumela ukuba ujonge kumhlala-phantsi wakho wobomi kunye nobomi bomntu ongatshatanga ngaphezulu kweminyaka engama-50.