Invest 100 thousand kapena lipira ngongole
Kuthekera kwina ndikupereka ndalama zambiri ku RRSP yanu musanagule nyumba. Komabe, nyumba si ndalama chabe; ndi chisankho chamoyo chomwe simukufuna kuchisiya kwa nthawi yayitali. RRSP yomwe mudaiyambitsa msanga ikhoza kukuthandizani
Chifukwa chiyani? Chifukwa likulu lomwe lidayikidwa mu RRSP yanu lipanga chiwongola dzanja chambiri pamalo okhoma msonkho. M'kupita kwa nthawi, mudzakhala ndi ndalama zambiri zosungira panthawi yanu yopuma pantchito. Komanso, kwa iwo omwe alibe chilichonse choti abwerere
Chisankho cholipira ngongole ndikuthandizira ku RRSP chimadaliranso zaka zanu. Ngati simupuma kwakanthawi, kuwonjezera chiwongola dzanja pakhoma lamisonkho la RRSP ndikopindulitsa kuposa ngongole yolipira. Ngati wanu
Mortgage Amortization vs. Investment Calculator
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kupanga zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zolemba zoyambirira komanso zopanda tsankho, ndikukulolani kuti muchite kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zoyipa za kubweza ngongole
Kaya mwangolandira ndalamazo ndipo mukuganiza momwe mungagwiritsire ntchito ndalama zowonjezerazo, kapena kungokonzekera zam'tsogolo, kusankha komwe mungasungire ndalama zomwe mudapeza movutikira ndizovuta. Ndizomveka kuti eni nyumba ambiri amafuna kuyika patsogolo kubweza ngongole yawo yanyumba, koma kodi ndizomveka kuyika ndalama zowonjezera pakusunga kwawo pantchito yoyamba?
Kaya mwasankha kubweza ngongole yanu yanyumba kapena kuyika tsogolo lanu choyamba zimadalira momwe mulili ndichuma. Ngati ndalama zanu zakula kwambiri, zosankha zomwe mungapange zitha kukhala zosiyana ndi zomwe mwalandira ndi ndalama zambiri ndipo mukufuna kuziyika.
Ngati mukuganiza zobweza ngongole yanu msanga, ganizirani kuchuluka kwa ndalama zomwe zingawononge komanso ngati kusunga ndalama pa chiwongoladzanja, kuwonjezera pa kukhala opanda ngongole, ndizofunika kwambiri kwa inu kuposa kusunga ndalama zopangira chuma chamtsogolo. Ganiziraninso za komwe muli pankhani yolipira ngongole. Nthawi zambiri, ndi bwino kubweza ngongoleyo momwe mungathere poyambira ngongoleyo kuti mupewe kubweza chiwongola dzanja chochulukirapo pambuyo pake. Ngati mukuyandikira zaka zingapo zapitazi za ngongole yanu yanyumba, zingakhale zothandiza kwambiri kuyika ndalama zanu muakaunti yopuma pantchito kapena ndalama zina.
Kodi ndi bwino kulipira ngongole kapena kusunga ndalama?
Ngati muli ngati anthu ambiri, kubweza ngongole yanu ndikupita ku ngongole zopanda ngongole zopuma pantchito kumakhala kosangalatsa. Ndikuchita bwino kwambiri ndipo kumatanthauza kutha kwa ndalama zomwe zimawononga pamwezi. Komabe, kwa eni nyumba ena, mavuto awo azachuma ndi zolinga zawo zingafunike kusunga ngongole yanyumba pomwe zofunika zina zimasamaliridwa.
Moyenera, mutha kukwaniritsa cholinga chanu mwa kulipira pafupipafupi. Komabe, ngati mukufuna kugwiritsa ntchito ndalama zolipirira ngongole yanu yanyumba, yesani kulowa muakaunti yamisonkho kaye m'malo mosunga ndalama mukapuma pantchito. "Ngati mutachotsa ndalama ku 401 (k) kapena IRA musanakwanitse zaka 59½, mudzalipira msonkho wanthawi zonse - kuphatikizapo chilango - zomwe zidzathetseretu ndalama zilizonse zomwe zingasungire chiwongoladzanja pa ngongole," akutero Rob.
Ngati ngongole yanu ilibe chilango cholipiriratu, njira ina yolipirira zonse ndikuchepetsa wamkulu. Kuti muchite izi, mutha kubweza ndalama zowonjezera mwezi uliwonse kapena kutumiza ndalama pang'ono. Njira iyi imatha kupulumutsa chiwongola dzanja chochuluka ndikufupikitsa moyo wangongole ndikusunga kusiyanasiyana komanso kusapeza ndalama. Koma pewani kukhala waukali kwambiri pa izi, kuopera kuti mungawononge zinthu zina zofunika pakusunga ndi kuwononga ndalama.
