Mau oyamba a Common Common Financial Osowa Othandiza
Pali mbali zambiri za kusamalira munthu wolemala, ndipo imodzi yomwe ingakhoze kunyalanyazidwa ndikusamalira ndalama. Pamene kukhala wotsogolera kukudzidzidzimutsa , mukhoza kumva kuti simunakonzekere kutenga maudindo ambiri omwe amabwera nawo. Ngakhale kuti nthawi zambiri amaika maganizo awo pa thanzi lanu ndi thanzi lanu, thanzi lawo lachuma lidzakhala lofunika kwambiri.
Pano pali chitsogozo cha zina zomwe zimakhudzidwa kwambiri ndi zachuma omwe akusamalira akamakumana nawo polowera kuthandiza kuthandizira ndalama za wokondedwa wawo wolumala.
Chidziwitso, Kufikira, ndi Mavuto Otsogolera
Ngakhale sikuli koyenera nthawi zonse kutenga ndalama za wokondedwa yemwe ali ndi vutoli, pali zina zomwe wothandizira adzafunikila kuti alowemo ndikuthandizira ndi kuyang'anira ndalama za munthuyo kapena kutenga zonse. Munthu amene akudwala kwambiri kapena kuphunzira kukhala ndi chilema chawo sangakhale ndi nthawi kapena malingaliro oyenera kuti azilipira ngongole, inshuwalansi, kapena kuti apange ma akaunti ku banki.
Kuti zinthu zikhale zovuta kwambiri, simungadziwe zokhoma zonse, inshuwalansi, kapena mabanki omwe ali okondedwa wanu olumala. Kotero sitepe yoyamba ndiyo kupanga zonse kukonzedwa ndi kudziwa zomwe mukuchita. Chinthu chotsatira ndicho kudziwa momwe mungapezere kapena kuthandizira kuti muthandize kapena kuyendetsa nkhani zachuma.
Ngakhale kuti mungakhale wothandizira, wamkulu wa wokondedwa wanu sali wokwanira kuti akuthandizeni kupeza kapena kuyang'anira pazochuma chawo.
Loyama angafunike ngati mukufunikira kutenga ndalama za munthu wamkulu yemwe sangathe kusamalira ndalama zawo. Ngati wokondedwa wanu alibe kale Mphamvu Yopezera Mphamvu Kapena Wopatsa Moyoyo akukupatsani mwayi wopezera ndalama zawo ngati mukulemala, mungafunikire kuchitapo kanthu kuti mukhale ndi udindo wovomerezeka.
Kusamalira Maakaunti, Maphwando, ndi Mabanki
Imodzi mwa njira zosavuta zogwiritsira ntchito ndalama kwa wokondedwa wanu ndi kukhazikitsa malipiro enieni ku mabanki ake. Malipiro enieni amapezeka kwa inshuwalansi zambiri za inshuwalansi monga malipiro a SSDI . Kuika chilolezo chachindunji kwa magwero onse a ndalama kumachepetsa chiwerengero cha nthawi yomwe inuyo kapena wokondedwa wanu mukuyenera kupita ku banki.
Kuwonjezera pa malipiro enieni, pali zida zina zamabanki zomwe zingathe kusamalira mabanki a mabanki ndipo ngakhale ngongole zimakhala zosavuta. Zida monga malipiro a ndalama pa Intaneti komanso mabanki angathe kuchititsa kuti ndalama za banki zisamangidwe komanso kulipira ngongole pa Intaneti m'malo mopita ku banki kapena kufufuza zolemba. Misonkho yobwereza ikhoza kukhazikitsidwa kuti ilipidwe mosavuta tsiku lomwelo mwezi uliwonse, kuonetsetsa kuti malipiro a nthawi yeniyeni asakhale ndi maulendo ku banki kapena positi ya positi.
Kusamalira Maakaunti a Brokerage ndi Investment
Ngati munthu wolumala ali ndi ndalama monga masitolo ndi malonda mu akaunti yosiyana ya brokerage, muyenera kudziwa za akaunti ndi katunduyo. Ngati munthu wolumalayo ali ndi mphamvu, akhoza kukuwonjezera ngati mwini mwini wa akaunti kuti muthe kupanga zisankho zokhudzana ndi kugula kapena kugulitsa masisitomala. Mofanana ndi nkhani zina zachuma, Mphamvu Yopezeka Yopereka Malamulo kapena Wodalirika angapatsenso ulamuliro wofunikira.
Kapena inu ndi wokondedwa wanu mungasankhe kuchoka ndi kayendetsedwe kake kapena popanda mphamvu yopanga zisankho ndi wopanga ndalama.
Malinga ndi zinsinsi zapadera monga ziyanjano zosungira ndalama, ambiri amatha kubwezeretsanso mayina ena pokhapokha atakhala mwezi umodzi wokhwima. Mafomu a kubwezeretsanso mgwirizano akhoza kumasulidwa ku webusaiti ya US Treasury, kapena iwo angapezeke ku banki yamba. Ngati pali dzina limodzi pa mgwirizano ndipo mawu akuti "ndi" ali pakati pa maina awiriwa, anthu onsewa ayenera kulemba mgwirizano kuti awone ndalamazo. Ngati mawu akuti "kapena" ali pakati pa maina awiri, gulu lingathe kulipira mgwirizano wawo pawokha.
Kuonjezerapo, opindula angatchulidwe pazokondana.
Ndondomeko za Inshuwalansi
Ndikofunikira kwambiri pakuyang'anira ndalama za munthu wina kuti adziŵe ndondomeko zonse za inshuwalansi ndi malipiro awo ndi / kapena zopindulitsa. Mwachitsanzo, pamene odwala ambiri a Medicare ali ndi malipiro awo apadera omwe amachotsedwa mwachindunji ku malipiro awo a Social Security Disability, ena samatero. Ndalama zimayenera kulipidwa pa nthawi kuti zitsimikizidwe kuti ngongole zothandizira odwala zimaphimbidwa. Mudzafunanso kudziwa zachinsinsi chachinsinsi cha nthawi yayitali kapena yaitali kapena za inshuwalansi ya nthawi yaitali yomwe wokondedwa wanu angakhale nayo.
Ngati ndinu watsopano kusamalira inshuwalansi ya munthu wina, zingakhale bwino kukambirana ndi wothandizira inshuwalansi wakunja kuti atsimikizire kuti ali ndi chiwerengero choyenera cha kufalitsa. Izi zikuphatikizapo kulandira chithandizo chachifupi komanso cha nthawi yaitali komanso kuthandizira mankhwala komanso mankhwala.
Mmene Mungakonzekere Patsogoleredwe ka Ndalama
Sizingatheke kukonzekera patsogolo pa zolema za wokondedwa wanu, koma bungwe laling'ono lingathe kuonetsetsa kuti ngati mukudwala mwangozi kapena kulemala, pokhala mumdima wokhudzana ndi chidziwitso chofunikira sizomwe zimakukhudzani kwambiri
Kusunga mapepala ofunikira pamalo amodzi, monga manambala a akaunti ya banki, ma inshuwalansi, ndi makope a mapepala alamulo, zingathandize kuti zikhale zosavuta kutenga ndalama za munthu wina ngati pakufunika kutero. Mwinanso, chikondi chimatha kukonzekera mwa kusaina Mphamvu Yosatha ya Woweruza mlandu kukuyitanani ngati munthu amene angawachitire iwo okha ngati sakwanitsa kuchita okha. Cholinga chamoyo chingathenso kutchulidwa kuti azisamalira zosamalira zokhudzana ndi umoyo wawo ngati akulephera.
Chinthu chabwino kwambiri chimene mungachite kwa okondedwa anu ndi kukambirana zachuma ndi abambo ndi osamalidwa asanakhale ndi mavuto. Idzapatsa aliyense mtendere wamumtima kudziŵa kuti pali ndondomeko ya zachuma m'malo mwa chisamaliro cha wokondedwa.