Nbinye afọ 15, m ga-akwụghachi ego?
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Ihe mgbako iji kwụọ ụgwọ ụlọ ma ọ bụ tinye ego
Nkwụghachi ụgwọ nke mbinye ego nwere akụkụ abụọ, isi na ọmụrụ nwa. Onye isi ụlọ akwụkwọ bụ ego a gbaziri, ebe ọmụrụ nwa bụ ihe onye na-agbazinye ego na-ana maka ibiri ego ahụ. Ụgwọ ọmụrụ nwa a na-abụkarị pasentị nke isi ụlọ akwụkwọ pụtara ìhè. Usoro nkwụghachi ụgwọ maka mbinye ego ga-enwe ma ọmụrụ nwa na onye isi.
Ịkwụ ụgwọ ọ bụla ga-ebu ụzọ kpuchie ọmụrụ nwa ma ndị ọzọ ga-agakwuru onye isi ụlọ akwụkwọ. Ebe ọ bụ na ngụkọta nguzozi pụtara ìhè chọrọ ụgwọ ọmụrụ nwa dị elu, akụkụ dị ịrịba ama nke ịkwụ ụgwọ ahụ ga-aga na ọmụrụ nwa na mbido. Agbanyeghị, ka isi ụlọ akwụkwọ pụtara ìhè na-ebelata, ọmụrụ nwa ga-emesịa belata. Ya mere, na ịkwụ ụgwọ nke ọ bụla na-aga n'ihu, òkè nke e kenyere ọmụrụ nwa na-ebelata ebe ego nke isi akwụ ụgwọ na-abawanye.
Ewezuga ire ụlọ iji kwụọ ụgwọ ụlọ, ụfọdụ ndị na-agbaziri ego nwere ike chọọ ịkwụ ụgwọ ego ha n'oge iji chekwaa ọmụrụ nwa. N'okpuru bụ ụfọdụ atụmatụ enwere ike iji kwụọ ụgwọ nnyefe n'oge:
Ego ole ka m ga-akwụ na nnyefe n'ime afọ ise?
Ma gịnị banyere ndị nwe ụlọ na-anọ ogologo oge? Afọ 30 nke ịkwụ ụgwọ ọmụrụ nwa nwere ike ịmalite iyi ka ibu, ọkachasị ma e jiri ya tụnyere ịkwụ ụgwọ mbinye ego ugbu a yana ọnụma ọmụrụ nwa dị ala.
Agbanyeghị, site na nkwụghachi ụgwọ afọ 15, ị nwere ike nweta ọmụrụ nwa dị ala yana obere oge mbinye ego iji kwụọ ụgwọ mgbazinye gị ngwa ngwa. Mana buru n'uche na ka oge nke nnyefe gị dị mkpụmkpụ, ka ịkwụ ụgwọ gị kwa ọnwa ga-adị elu.
N'ọnụego ọmụrụ nwa 5% karịrị afọ asaa na ọnwa anọ, ịkwụ ụgwọ nnyefe ebugharị gị ga-aha $135.000. Ọbụghị naanị na ọ zọpụtara $59.000 na ọmụrụ nwa, mana o nwere nchekwa ego ọzọ mgbe oge mgbazinye afọ 30 mbụ gasịrị.
Otu n'ime ụzọ kachasị mfe iji kwụọ ụgwọ ego kwa afọ bụ ịkwụ ọkara nke nkwụnye ego gị kwa izu abụọ kama ịkwụ ụgwọ zuru ezu otu ugboro n'ọnwa. A maara nke a dị ka "ụgwọ ọnwa abụọ."
Agbanyeghị, ị nweghị ike ịmalite ịkwụ ụgwọ kwa izu abụọ ọ bụla. Onye na-ahụ maka mbinye ego gị nwere ike ịgbagwoju anya site n'ịnata ụgwọ obere oge yana oge niile. Gwa onye na-ahụ maka mbinye ego gị ka ị kwenye na atụmatụ a.
Ihe mgbako ịkwụ ụgwọ nnyefe
Ọ bụrụ na ị nwetala ego ị na-atụghị anya ya ma ọ bụ chekwaa ego buru ibu n'ime afọ ndị gafeworonụ, ọ nwere ike ịnwa ịnwa ịkwụ ụgwọ mbinye ego n'ụlọ gị n'oge. Ma ịkwụ ụgwọ nbinye ego n'oge bụ mkpebi dị mma ma ọ bụ na ọ bụghị nwere ike ịdabere na ọnọdụ ego nke onye gbaziri ego, ọmụrụ nwa na mbinye ego, na otú onye gbaziri ego si dị nso na ezumike nká.
Ị ga-ebubakwa n'uche ma ọ bụrụ na etinye ego ahụ kama ịkwụ ụgwọ nbinye. Edemede a na-enyocha ọnụ ahịa ọmụrụ nwa nke enwere ike ịzọpụta site n'ịkwụ ụgwọ nbinye afọ iri tupu oge eruo itinye ego ahụ n'ahịa, dabere na nlọghachi ego dị iche iche.
Dịka ọmụmaatụ, na ịkwụ ụgwọ $1.000 kwa ọnwa, enwere ike iji $300 maka ọmụrụ nwa yana $700 iji belata nguzozi n'isi nke mbinye ego ahụ. Ọnụ ego ọmụrụ nwa na mbinye ego nwere ike ịdịgasị iche dabere n'ọnọdụ ọnụego ọmụrụ nwa na akụ na ụba yana kredit nke onye gbaziri ego.
A na-akpọ usoro ịkwụ ụgwọ mbinye ego n'ime afọ 30 oge nhazi oge. N'afọ ndị mbụ, a na-akwụ ụgwọ na mbinye ego nbinye ego a kapịrị ọnụ bụ nke ọmụrụ nwa. N'ime afọ ndị na-adịbeghị anya, a na-etinye akụkụ ka ukwuu nke ịkwụ ụgwọ mbinye ego na nbelata isi.
