Isingeniso Sokukhathazeka Kokudlula Kwezezimali Kwabanakekeli
Kunezici eziningi zokunakekela umuntu onesifo sokukhubazeka, kanti okunye okungakhanjelwa kalula kuthatha imali. Uma ngabe unakekelwa ngokuzumayo, ungase uzizwe ungakulungele ukuthatha imithwalo yemfanelo eminingi ehambisana nendima. Ngenkathi ukugxila okusheshayo kubhekwa impilo yomuntu oyithandayo ngokomzimba nangokwengqondo, impilo yabo yezezimali ekugcineni iyobaluleke kakhulu.
Nansi umhlahlandlela wezinye zezidingo ezivame ukukhathazeka kwezezimali lapho uqala ukungena ekusizeni ekuphathweni kwezimali zomuntu othandekayo okhubazekile.
Ulwazi, Ukufinyelela, kanye Nezinkinga Zokulawula
Nakuba kungadingeki ngaso sonke isikhathi ukuthatha imali yomuntu othandekayo okhubazekile, kunezinye izimo lapho kunakekelwa khona umnakekeli ukuba angene futhi angasiza ekuphathweni kwezimali zomuntu noma athathe ngokuphelele. Umuntu ogula kakhulu noma ofunda ukuhlala nokukhubazeka kwakhe angeke abe nesikhathi noma amandla okucabanga adingekayo ukukhokha izikweletu, izinkokhelo zomshuwalense, noma ukwenza ama-deposit e-akhawunti yasebhange.
Ukuze wenze izinto zibe nzima nakakhulu, kungenzeka ukuthi awuqapheli zonke izikweletu, izinqubomgomo zomshuwalense, noma ama-akhawunti asebhange awamakhubaziwe ayethandayo. Ngakho isinyathelo sokuqala ukwenza konke kuhleleke futhi wazi ukuthi yini osebenzayo. Isinyathelo esilandelayo ukucacisa ukuthi yikuphi uhlobo lokufinyelela noma ukulawula okudingayo ukusiza noma ukuphatha izindaba zezimali.
Ngenkathi ungase ube ngumnakekeli wabo oyinhloko, ukukhubazeka komthandi wakho akwanele ukukunika ukufinyelela noma ukulawula izindaba zabo zezezimali.
Ummeli angadingeka uma udinga ukuthatha imali yomuntu omdala ongasakwazi ukuzinakekela izimali zakhe. Uma othandekayo wakho engenayo amandla okugcina aphethwe ngummeli noma ophilayo kuyokwenza ukuthi uthole ukufinyelela nokulawula izimali zabo uma kwenzeka ukhubazekile, kungadingeka uthathe isinyathelo somthetho ukuqinisekisa ukuthi unamandla okudingayo.
Ukuphatha ama-Akhawunti, Imali Yomthetho, ne-akhawunti yaseBhange
Enye yezindlela ezilula zokuphatha imali engenayo kumuntu othandekayo ukubeka idiphozi ngqo kuma-akhawunti akhe asebhange. Imali ekhokhelwa ngqo iyatholakala ngezinzuzo zomshuwalense wokukhubazeka ezinjengezinkokhelo ze- SSDI . Ukubeka idiphozi ngqo kuyo yonke imithombo yemali engenayo kuyokwenyula inani lezikhathi wena noma othandekayo wakho kuzodingeka uhambo oluya ebhange.
Ngaphezu kokufaka idiphozi ngqo, kunezinye amathuluzi ebhange angenza ukuphatha ama-akhawunti asebhange ngisho nezikweletu zilula. Amathuluzi afana ne-bill bill e-intanethi kanye nokubhanka kwe-inthanethi anganikeza ikhono lokwenza ukudluliselwa kwe-akhawunti yasebhange futhi akhokhe izikweletu ku-intanethi esikhundleni sokuya ebhange noma ukuhlola ngesandla. Izindleko eziphindaphindiwe zingahle zihlelwe ukuze zikhokhwe ngokuzenzekelayo ngosuku olufanayo njalo ngenyanga, ukuqinisekisa ukukhokhelwa kwesikhathi-nesikhathi ngaphandle kohambo oluya ebhange noma ehhovisi leposi.
Ukuphatha ama-akhawunti we-Brokerage and Investment
Uma umuntu okhubazekile enezimbali ezinjengamasheya nezibopho ku-akhawunti ehlukile yomthengisi, kuzodingeka uqaphele lawo ma-akhawunti kanye namafa kanye nawo. Uma umuntu okhutshaziwe ekwazi, angakwengeza njengomnikazi we-akhawunti ohlangene ukuze wenze izinqumo mayelana nokuthenga noma ukuthengisa amasheya. Njengamanye ama-akhawunti wezezimali, Amandla angapheli we-Attorney noma i-trust living anganikeza igunya elidingekayo.
Noma wena nomngane wakho othandekayo banganquma ukushiya abaphathi noma ngaphandle kwamandla wokwenza isinqumo nomeluleki wezezimali.
Ngokuqondene nezibambiso ezinjengezibopho zokulondolozwa, iningi lingabuyiselwa ngamagama angeziwe kuwo uma nje engekho inyanga eyodwa yokukhula. Amafomu okubuyisela isibopho angalandwa kusuka kuwebhusayithi ye-US Treasury, noma angatholakala ebhange lendawo. Uma kunamagama angaphezu kweyodwa esibophweni futhi igama "futhi" liphakathi kwamagama amabili, bobabili abantu kumele basayine lesi sibopho ukuze bayithengise. Uma igama elithi "noma" liphakathi kwamagama amabili, noma yiliphi iqembu lingakwazi ukukhipha lesi sibopho ngokwabo.
Ukwengeza, abahlomuli bangabizwa ngamabhondi okugcina.
Izinqubomgomo zomshuwalense
Kubaluleke kakhulu uma ulawula izimali zomunye umuntu ukuze wazi zonke izinqubomgomo zomshuwalense nama-premium awo kanye / noma izinzuzo. Ngokwesibonelo, ngenkathi abaningi abamukeli be-Medicare benemivuzo yabo yenqubomgomo ethathwe ngokuqondile kwizinkokhelo zabo zokukhubazeka kwezenhlalakahle , abanye abakwenzi. Izinkokhelo kufanele zikhokhwe ngesikhathi sokuqinisekisa ukuthi izikhwama zezempilo zomuntu omthandayo zihlanganisiwe. Uzofuna futhi ukuqaphela noma yikuphi ukukhubazeka kwesikhashana noma isikhathi eside noma izinqubomgomo zomshuwalense wesikhathi eside osithandayo ongase abe nazo.
Uma ungumuntu omusha wokunakekelwa umshuwalense womunye umuntu, kungaba umqondo omuhle ukukhuluma nommeli womshuwalense wendawo ukuze uqiniseke ukuthi unesilinganiso esifanele sokufakwa. Ukucubungula kufaka ukuhlinzekwa kokunakekelwa okufishane nokwedlule isikhathi eside kanye nokufakwa kwemithi yokwelapha.
Indlela Yokuhlela Ngaphambi Kokucatshangelwa Kwezezimali
Akunakwenzeka njalo ukuhlelela phambili ukukhubazeka komuntu othandekayo, kodwa inhlangano encane ingaqiniseka ukuthi uma kwenzeka ukugula okungazelelwe noma ukukhubazeka, ukuba ubumnyama ngolwazi olubalulekile akuyona ukukhathazeka okuyinhloko komnakekeli
Ukugcina amaphepha abalulekile endaweni eyodwa, njengezinombolo ze-akhawunti yasebhange, izinqubomgomo zomshuwalense, namakhophi wamaphepha asemthethweni, angenza kube lula ukuthatha imali yomunye umuntu uma kunesidingo. Ngaphandle kwalokho, uthando lwabo lungalula phambili ngokusayina amandla aphephile we-Attorney ekuthiwa yilowo nalowo ongabenzela wona uma bengakwazi ukwenza kanjalo ngokwabo. Inhloso yokuphila ingabuye ilandelwe ukubiza umnakekeli ukuba enze izinqumo mayelana nokunakekelwa kwezempilo uma bekhubazeka.
Into engcono kakhulu ongayenza kubathandekayo bakho ukuxoxisana ngemali ngamalungu omndeni kanye nabanakekeli abaqokwe ngaphambi kokuba kube nenkinga. Kuzokwenza wonke umuntu ukuthula kwengqondo azi ukuthi kukhona uhlelo lwezezimali endaweni yokunakekela othandekayo.