Zamkati
- Mwachitsanzo
- Zolinga zakapangidwe kanyumba zimakhudza omwe ali pabanja osakwatirana
- Kukonzekera kugulitsa malo kwa anthu osakwatirana vs.
- Malangizo okonzekera kugulitsa malo kwa anthu osakwatirana
- Malingaliro okonzekera kugulitsa malo okhala mosakwatirana
Kukhala pamodzi pakati pa anthu osakwatirana ikukula. Kodi ndikofunikira kuti okwatirana omwe akukhalira limodzi akhale ndi pulani ya malo?
Kukonzekera malo ziyenera kukhala mosamalaoganiziridwa kwa wamkulu aliyense Kuganizira za tsogolo lawo komanso cholowa chawo, wokwatiwa kapena ayi.
Malamulo ambiri okonza masheya "osakhazikika" adakhazikitsidwa munthawi yomwe kukhalira limodzi sikunali kofala. Zotsatira zake, awa malamulo nthawi zambiri amaganizira a Zosangalatsa za wokwatirana naye amene watsala koma osaganizira wokwatirana naye.
Izi zimanyalanyaza kuti mabanja omwe akukhala limodzi amakhala ndi nkhawa zofananira monga maanja. Payenera kukhala kukonzekera kwamalo osakwatirana popeza amachita chimodzimodzi ndi zomwe mabanja amachita tsiku ndi tsiku.
Mwachitsanzo
Wina akamwalira, mnzake akhoza kutsala ndi ngongole yanyumba, ndalama zomwe sanalipire, kapena ndalama zosamalira ana. Ngati sali pabanja, wotsalayo sangakhale ndi ufulu wolandila chilichonse kuchokera kwa womwalirayo.
Izi ndizosiyana kwambiri ndi zomwe zimachitika ngati ali okwatirana, pomwe malamulowo adapangidwira kuti awonetsetse kuti wopulumukayo ndi wopindula kuti amuthandize.
"Ine ndi mkazi wanga tidayambitsanso zokambirana tisanakwatirane, koma sitinkadziwa kuti ndiyambira pati. Ndi chimodzi mwazifukwa zomwe tili okondwa kuti tidayamba Trust & Will, ndikubweretsa mapulani azaka za digito, ndi chinthu chosavuta kugwiritsa ntchito. ”
Zolinga zakapangidwe kanyumba zimakhudza omwe ali pabanja osakwatirana
Kukhala ndi zikalatazi kungathandize kudziwa omwe angapange zisankho zachuma ndi zamankhwala m'malo mwanu ngati simungakwanitse. Popanda chifuniro, malamulo aboma apanga mayitanidwe, omwe atha kuwonetsa kapena sangakuwonetseni zokhumba zanu zomaliza.
Ukwati umapatsa onse okwatirana ufulu wina womwe wina wosakwatirana alibe.
Kupitilira kumanja kuti kulandira katundu kuchokera ku malo, awa ufulu komanso onjezerani ufulu wa pangani zisankho zamankhwala, ufulu wa rleceive zosintha zamankhwala ndipo kulankhulana ndi madokotala, ndi ufulu wopanga zisankho pamakonzedwe omaliza ndi malangizo amanda.
Mabanja omwe akukhalira limodzi osakwatirana ayenera kukhala ndi zikalata zokonzera malo kuti apange maufuluwa chifukwa sanapatsidwe malinga ndi malamulo omwe alipo.
Kukonzekera kugulitsa malo kwa anthu osakwatirana vs.
Tsopano mfundo zazikuluzikulu pokambirana pano ndi izi - kodi kukonza mapulani kumasiyana bwanji kwa anthu apabanja ndi omwe sanakwatirane? Kodi pali mitundu ya mapulani amalo omwe anthu osakwatirana ayenera kuganizira? Kodi kukonzekera malo ndi kotani komwe kuli ndi anthu osakwatirana?
Ndikosavuta kuganiza kuti kukonzekera malo ndi kwa anthu apabanja okha chifukwa ali ndi okwatirana omwe amadalirana. Ngati simuli pabanja, mudzafunika kuti mupange wina kuti akupangireni zosankha zachuma ndi zamankhwala ngati sangakwanitse kutero.
Zomwezo zimapindulanso ndi zomwe muli nazo mukakhala kuti mulibe opeza bwino (monga wokwatirana naye kapena ana).
Pakhoza kukhala pali kusiyana pakati pa iwo okwatirana omwe sanakwatirane okhalapo limodzi, makamaka pamlingo wapamwamba.
Pakatikati pake, zolinga zambiri ndizofanana -
- Mukufuna kukhala ndi pulani m'malo mwake
- Patsani okondedwa anu omwe akukhalani inu, ndipo
- Pangani njirayi mosavuta kwa iwo
Izi zolinga zazikulu kawirikawiri khalani owona kwa mwina wokwatira kapena anthu osakwatirana.
Pakhoza kukhala zovuta zina, makamaka ndikuwonjezereka kwa chuma.
Mitundu ina yazikhulupiriro nditha kukulolani tchulani momwe yanu katundu amagwiritsidwa ntchito. Ichi ndichinthu chodziwika bwino ndi anthu omwe amafuna kutsimikiza katundu amagwiritsidwa ntchito kwa wokondedwa wawo ndi ana awo ndipo osapatutsidwa kuti apinduleya ukwati wotsatira kapena kukwatiranso.
Kuchokera pamisonkho, pakhoza kukhala magawo osiyanasiyana amisonkho yanyumba ndi mphatso kwa okwatirana ndi omwe sanakwatirane, makamaka okhala ndi magawo kumpoto kwa $ 5,000,0000.
Malangizo okonzekera kugulitsa malo kwa anthu osakwatirana
Zambiri mwa zolimbikitsa zazikulu pakukonzekera malo angathe kulipo osatengera ukwati - kukhala ndi ana, kukhala ndi nyumba kapena zinthu zina zazikulu, kukhala ndi okondedwa omwe mukufuna kuwasamalira.
Aliyense ayenera kukhala ndi pulani m'malo mwake.
Munthu aliyense akhoza kuyamba ntchitoyi ndikupanga dongosolo lawo. Sichiyenera kukhala chinthu chomwe nonse mumachita nthawi imodzi. Ngati wina wa inu akulimbikitsidwa, chitanipo kanthu. Mwina izi zingathandize limbikitsani winayo kuti atero.
Malamulowa sateteza anthu okwatirana osakwatirana mofanana momwe amatetezera anthu okwatirana.
Izi zitha kupanganso kusamvana kwamalamulo komwe kumakondera wina kupatula yemwe sanakwatirane naye, zomwe zingayambitse mikangano ndi milandu. Ndi makamaka makamaka ndikofunikira kukhazikitsa dongosolo chifukwa simungadalire chilamulo kuchita zomwe ungafune kuti zichitike.
Ndikofunikanso kutero onetsetsani kuti mapulani anu alembedwa monga mnzake wosakwatirana sangakhale ndi kuthekera kofanana ndi wokwatirana naye polemba dongosolo lomwe silinalembedwe.
Kusintha kwaukwati ndi nthawi yeniyeni yowunikiranso zomwe zidalipo kale.
Zosintha zimatha kukhudza ufulu zomwe wokondedwa aliyense ali nazo. Zosinthazi zitha kukhudzanso omwe akupindula nawo, kuphatikiza 401 (k) mapulani. Ngakhale mukuganiza kuti zonse ndi momwe mumafunira, kukwatira itha kupitilira mayina anu ndipo perekani zotsatira zina.
Malingaliro okonzekera kugulitsa malo okhala mosakwatirana
Pali malingaliro kwa anthu omwe sanakwatirane momwe angakambirane zakukonzekera zakunyumba.
Ndi imodzi mwazokambirana 'zachikulire' zomwe simukufuna kuti mukakhale nawo kulesitilanti, koma ndikofunikira kukambirana kunyumba ndi moyenera.
Kukhala ndi 'nkhani' yokhudza maakaunti akubanki olowa limodzi, inshuwaransi ya moyo, komanso kukonza mapulani a nyumba, ndizosavuta kuzilingalira ngati njira zina zakutali zomwe sizingakuchitikireni.
Simuyenera kukhala ndi nthawi yayitali yolankhula kuti mufotokoze zonse nthawi imodzi. Ingotenga chidutswa chimodzi nthawi imodzi kuti chisakhale chotopetsa kwambiri. Kufunsa kuti "mungafune kukhalabe ndi moyo wothandizira" kapena "mukufuna kutentha mtembo" kungakhale poyambira kwabwino ndipo kungakhale kosavuta kukulunga mukayamba kukhumudwa.