Zinthu 6 zomwe mungachite ngati ndalama zanu zikufika $250,000

mapeto athu! Mwagwira ntchito molimbika moyo wanu wonse, ndipo ndalama zomwe mwasunga zikuyamba kuwonekera. Tsopano, mwanzeru kwambiri, zomwe mumayika patsogolo ziyamba kusintha kuchoka pakupanga ndalama kupita kuwonetsetsa kuti musataye ndalama zanu.

Nazi zina zofunika kuziganizira. Ndipo gawo labwino kwambiri? Mutha kuyang’ana zambiri za malingalirowa kuti zimatenga nthawi yayitali bwanji kuti muwawerenge.

1. Pezani maso achiwiri

Simuli opusa pankhani yopanga ndalama. Mukadakhala, simukanawerenga izi.

Koma pamabwera nthawi m’moyo pomwe zimakhala zomveka kupeza lingaliro lachiwiri. Ndithudi, mwakula bwino ndi kusamalira ndalama zanu. Koma mukakhala ndi zambiri, m’pamenenso ndalama zomwe mumasungira zimafunika chisamaliro chachikulu komanso kulephera kwakukulu.

Kafukufuku wopangidwa ndi kampani yogulitsa ndalama ya Vanguard adapeza kuti, pafupifupi, ndalama zokwana madola 500,000 pazaka 25 zidzakula mpaka $ 1.7 miliyoni ngati mutadziyendetsa nokha, koma zoposa $ 3.4 miliyoni ngati mutagwira ntchito ndi katswiri.

Mwachiwonekere, palibe zitsimikizo kuti katswiri adzachita ntchito yabwino kuposa inu. Koma kupeza lingaliro lachiwiri kuchokera kwa katswiri sikungapweteke. Ngakhale simukusowa thandizo posankha ndalama, angakuthandizeni kupanga mapulani, kuonjezera Social Security, kuteteza katundu wanu, ndikupereka mtendere wamaganizo poonetsetsa kuti mukuyenda bwino.

Athanso kukhalapo ngati mulibe tsiku limodzi.

Masiku ano, pali ntchito zaulere zapaintaneti zomwe zimapangitsa kukhala kosavuta kupeza alangizi odalirika azachuma mdera lanu kuposa kale. Mwachitsanzo, SmartAsset. Lembani kafukufuku wamfupi ndipo mudzafananizidwa nthawi yomweyo ndi alangizi atatu azachuma am’deralo, Onse ali okakamizika mwalamulo kuchita zinthu zokomera inu.

Njirayi imangotenga mphindi zochepa, ndipo nthawi zambiri mudzapatsidwa kukambirana kwaulere.

Palibe chomwe chingataye, kupeza zambiri: Tengani miniti ndikuziwona tsopano.

2. Limbikitsani kubetcha kwanu

Ngati gawo lalikulu la ndalama zanu zili pamsika – monga momwe ziyenera kukhalira – ndiye kuti mumadziwa bwino kuti zomwe zimakwera zimathanso kutsika; Nthawi zina zambiri.

Simungathe kuwongolera msika wamasheya kapena chuma chapadziko lonse lapansi. Koma mukhoza kuteteza kusatsimikizika pokhala ndi mitundu ina ya chuma.

Mpanda wakale kwambiri komanso wotchuka kwambiri ndi golide. Zakhala zikugwiritsidwa ntchito kwa zaka zikwizikwi kuteteza ku chirichonse kuchokera ku inflation mpaka kutsika kwa ndalama kupita ku chiopsezo cha ndale.

Osawononga; Akatswiri ambiri amalimbikitsa kuti mungoyika pafupifupi 10% ya chikwama chanu mumchere wa King Midas.

Ndipo kumbukirani kuti si onse omwe amagwira ntchito mu bizinesi ya golide omwe ali bwino. Samalani ndi omwe mukuchita nawo.

Goldco ndi kampani imodzi yofunika kuiganizira. Amapereka pafupifupi chilichonse, kuyambira zitsulo zamtengo wapatali mpaka kugula mwachindunji ndalama zamtengo wapatali ndi mipiringidzo.

Goldco wakhalapo kwa zaka zopitilira khumi ndipo adalimbikitsidwa ndi anthu otchuka monga Sean Hannity wowonetsa nkhani za Fox News, wochita sewero Chuck Norris komanso ngakhale mtsogoleri wakale wa pulezidenti Ron Paul.

Iwo ali ndi mlingo wa A+ BBB, mlingo wa AAA wochokera ku Business Consumers Alliance ndi nyenyezi 4.8 mpaka 5 pa Trustpilot, Trustlink, Google Reviews, ndi Consumer Affairs. Mupezanso mpaka $10,000 musiliva waulere pazogula zoyenera.

Mwina golidi ndi woyenera kwa inu; Mwina ayi. Koma ngati munayamba mwadzifunsapo, bwanji osayang’ana mwamsanga? Dinani apa tsopano ndikupeza paketi yanu yaulere.

3. Osamatsekeredwa pansi (kapena kupitirira)

Mnyamata amene ali patsogolo panu amaima, ndipo mumamumenya kuchokera kumbuyo. Mmodzi mwa abwenzi anu amatsetsereka ndikugwera pakhonde lakutsogolo. Zimachitika tsiku lililonse.

Ndi chifukwa chake tili ndi inshuwaransi.

Ukakhala ulibe kalikonse, susowa kanthu. Tsopano inu mukutero. Ichi ndichifukwa chake muyenera kuwonetsetsa kuti muli ndi inshuwaransi yokwanira, makamaka pankhani yazovuta. Onetsetsani kuti kuphimba kwanu kuli kokwanira kuti mupewe kuwonongeka koopsa pakupuma kwanu.

Ndipo mukadali pamenepo, tengani mphindi imodzi yogula kuti muwonetsetse kuti simukulipira. Makampani a inshuwalansi amadziwa kuti mumadana ndi kugula, ndikusiya kuti mukweze ndalama zanu chaka chilichonse. Ndipo ndicho chimodzimodzi chimene iwo amachita. Koma simuyenera kuwalola kuti achoke nazo.

Masiku ano, kuyerekeza makampani a inshuwaransi ndikuyenda paki, chifukwa cha malo ofananirako ngati QuoteWizard. Mumayankha mafunso angapo, ndipo masekondi pambuyo pake mumapeza ngati mwapeza bwino.

Ngati muli ndi inshuwalansi yoyenera, onani ngati mungaipeze pamtengo wotsika. Ngati mulibe inshuwaransi, perekani ndalama zowonjezera ngongole popeza ndondomeko yotsika mtengo.

Tengani mphindi zingapo ndikuziwona. Mupezanso kufalitsa kofananako kwa mazana ochepa poyerekeza ndi zomwe mukulipira pakali pano. Dinani apa, ndipo muwona zomwe ndikutanthauza.

4. Osabetcha moyo wanu

Mwina muli ndi bwenzi lomwe linamwalira mwadzidzidzi ndipo munaganiza kuti, “Kumeneko koma chifukwa cha Mulungu ndikupita.”

Ilo siliri chabe tsoka. Ndiko kudzuka.

Ngati chinachake chingachitike kwa wopezera chakudya (wodyera chakudya) m’banja lanu, kodi otsalawo adzakhala ndi ndalama zokwanira kuti apitirizebe kukhala ndi moyo? Ngati yankho liri ayi, ndiye kuti yankho lake ndi inshuwalansi ya moyo.

Sikuti aliyense amafunikira inshuwaransi. Ngati ana anu akula ndipo ndalama zanu ndi zokwanira, muli ndi inshuwalansi. Koma ngati pali chosoŵa, mungapeze kuti n’chotsika mtengo kuposa mmene mukuganizira kuti ndi kukwaniritsa.

Malo amodzi oti mutengeko mawu mwachangu? Haven Life Insurance. HavenLife imapereka inshuwaransi ya moyo wonse yoperekedwa ndi MassMutual, imodzi mwamakampani akale kwambiri a inshuwaransi mdziko muno.

Tengani miniti kuti muwone. Ndi njira yosavuta yogulira inshuwalansi ya moyo yotsika mtengo komanso yodalirika pa digito.

5. Dzitetezeni ku ndalama zosayembekezereka

Nyumba yanu ndi galimoto zili ndi machitidwe ovuta omwe angathe (ndipo adzathyoka!) Kupeza kampani yodalirika yokonza pakangodziwikiratu kungakhale kovuta, ndipo mtengo wake ukhoza kukhudza kwambiri ndalama zanu.

Osawononga ndalama zanu kuti mulipire kukonza. Dzitetezeni kwa iwo.

Zikafika kunyumba kwanu, onani Sankhani Chitsimikizo Chanyumba. Kampaniyo imakupatsirani magawo atatu okhudzana ndi zida zanu, makina otenthetsera / ozizira, mapaipi ndi magetsi.

Chinachake chikavuta chifukwa chakuwonongeka kwanthawi zonse, ingoyimbirani Select Home Warranty, masana kapena usiku. Kampaniyo ili ndi maukonde ambiri a akatswiri odziwika bwino okonza omwe angakonze cholakwikacho.

Nanga bwanji ngati sangathe kukonza? Sankhani Chitsimikizo Chanyumba chidzalowa m’malo mwake. Zomwe mumalipira ndi ndalama zothandizira.

Ngati palibe china, yang’anani mtengo wake. Pezani mawu aulere mumasekondi 30.

Momwemonso zikafika pamawilo anu.

Mofanana ndi nyumba, magalimoto amaikidwanso mu stratosphere. Sitolo ina idauza Consumer Reports kuti zaka khumi zapitazo kukonza kwawo kunali $1,600. Masiku ano, ndalama zambiri ndi $4,000.

Ngati mukuda nkhawa ndi kugunda madola masauzande ambiri pa bilu yokonza, tetezani ndalama zanu ndi Endurance.

Endurance imapereka ndondomeko yowonjezera yowonjezera mpaka miyezi 36. Izi sizitsimikizo zamagalimoto, koma zili moyandikana ndi zitsimikizo zamagalimoto. Sankhani kuchokera pamitundu itatu ya mapulani, kuti akupezereni zomwe mumafunikira pamagalimoto mpaka zaka 20.

Zitsimikizo zonse zikuphatikiza chithandizo cha 24/7 chamsewu komanso mapindu agalimoto yobwereketsa pamene galimoto yanu ikukonzedwa. M’chaka choyamba, mudzalandira Elite Benefits Program kwaulere; Izi zikuphatikiza kuphimba matayala onse, kusintha makiyi, kugundidwa ndikulipira mpaka $ 1,000 ngati galimoto yanu yatsimikiza kuti yatayika kwathunthu.

Endurance ili ndi netiweki yopitilira 350,000 malo ogulitsa ovomerezeka a ASE. Chofunika kwambiri, kulimba mtima kumalipira ngongole yokonzanso patsogolo. Zomwe muyenera kuphimba ndi deductible.

Ndikudziwa. Zitsimikizo zamagalimoto zowonjezera ndi chithunzi choyamba chakuba. Koma kulimbikira ndiye chinthu chenicheni. Ali ndi nyenyezi 4.2 ndi Trustpilot. ConsumerAffairs.com imachitcha “chisankho cholimba” kwa oyendetsa azaka zilizonse komanso “chokongola kwambiri” kwa omwe ali ndi magalimoto akale.

Eya, ngati ndinu okonzeka ndipo mukufuna kukonza zinthu nokha, kapena osadandaula kuchitapo kanthu, izi si zanu. Koma ngati muli ndi zinthu zokuthandizani kuchotsa kukayikakayika kowonjezereka m’moyo wanu, onani mmene kungakuletsereni m’mbuyo, ndiyeno pangani chosankha mwanzeru.

6. Musalole kuti nyumba ya okalamba itulutse magazi kuti muume

Tikukhulupirira kuti zaka zanu zopuma pantchito ndi zogwira ntchito, zathanzi komanso zamphamvu ndipo mudzatha kugwira ntchito monga momwe mumachitira nthawi zonse, mpaka nthawi yomwe mudzataya coil yakufayi.

Koma musati kubetcherana pa izo. Malinga ndi lipoti la United States Department of Health and Human Services, anthu 7 mwa anthu 10 alionse azaka 65 masiku ano ayenera kuti akufunika chisamaliro chanthaŵi yaitali.

Kodi mukuganiza kuti simungapeze Inshuwaransi Yanthawi yayitali (LTC) mutakwanitsa zaka 40? Ganizilaninso. GoldenCare imalemba za LTC kwa anthu ambiri. (Pokhapokha atakhala m’maboma anayi omwe GoldenCare sagwira ntchito: Alaska, Florida, Hawaii, ndi Washington.)

“Koma kodi Medicare sasamalira zonsezi?” Mukufunsa.

ayi. Medicare sichimakhudza chisamaliro cha ana aatali – ndipo kulipira kuchokera m’thumba kungatenge gawo lalikulu la ndalama zomwe mumasungira pantchito yanu yopuma pantchito. Hyperinflation iyi ingatanthauze kuti mazira anu a chisa ali pafupi kapena atopa.

Ndi inshuwaransi ya LTC kudzera ku GoldenCare, mudzatha kupeza chithandizo ngati mukudwala, osakwanitsa kapena mukufuna kuthandizidwa pang’ono ndi zinthu monga kusamba, kuvala, kuphika, ntchito zopepuka, kugula zinthu ndi zina zotero.

Popanda inshuwaransi ya LTC, zosankha zanu sizingakhale zabwino: tsegulani ndalama, kubwereka ndalama, kulemetsa achibale ndi chisamaliro chanu, ndipo mwina kutaya ufulu wodziyimira pawokha chifukwa simungathe kukhala nokha.

Mukudziwa kuti mwaganizapo za izi, ndikudzifunsa ngati zingakhale zotsika mtengo. Yakwana nthawi yoti tidziwe. Tengani miniti ndikupeza mtengo waulere.

Bonasi: Pezani upangiri waukadaulo waulere pazinthu zonse zokhudzana ndi ndalama

Ndi chaulere ndi chiyani chomwe chimakupatsirani malangizo oti muwononge ndalama zochepa, pangani zambiri, ndikupewa kuba? Money Talks Bulletin. Tsiku lililonse timapereka maupangiri ndi zidule zaulere zomwe zingakupangitseni kukhala olemera. Ndipo sizimawononga senti.

Owerenga athu akuti kupulumutsa pafupifupi $941 ndi malangizo athu osavuta, olunjika.

Dinani apa kuti mulembetse. Zimangotenga masekondi awiri. Ndipo ngati simukuzikonda, zimangotenga masekondi awiri kuti musalembetse. Osadandaula za sipamu: sitigawana imelo yanu.

Yesani. Mudzakondwera kuti munatero!

Kuwulura: Zomwe mumawerenga apa zimakhala ndi cholinga nthawi zonse. Komabe, nthawi zina timalandira chipukuta misozi mukadina maulalo mu Nkhani zathu.

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