Kwa antchito ambiri a federal, Pulogalamu Yopulumutsira Kwambiri ndi gawo limodzi mwa magawo atatu a chithunzi chawo chothawa pantchito. Ndondomeko Yopulumutsira Zopindulitsa, ndalama zazing'ono, ndi Social Security ndizo zigawo zomwe zimagwiritsidwa ntchito pa Federal Employees Retirement System System .
Ndondomeko Yopulumutsira Yopambana ndi imodzi mwa zinthu zitatu zomwe antchito a federal ali nazo. Ogwira ntchito ku federal pansi pa ndondomeko ya ntchito yotsegulira ntchito ya Civil Service komanso ogwira nawo usilikali akhoza kutenga mbali, koma salandira ubwino womwewo m'dongosolo lomwe OTHANDIZA AMACHITA.
Kupindula kwambiri ndi Akaunti Yanu Yopulumutsira Thandizo kumafuna njira zingapo zosavuta.
01 Onetsetsani kuti Ndondomeko Yopulumutsira Kwambiri Ndi yomwe muyenera kuika ndalama zanu.
Ndondomekoyi ili ndi zochepa zomwe mungachite , choncho ena akuganiza kuti amaika ndalama zawo kwina kulikonse. Ndondomekoyi siimalola anthu kuti agwire ntchito pazinthu zapadera kapena zamalonda. Zosankha za otsogolera zimangokhala ndi ndalama zochepa za gawo ndi ndalama za moyo.
02 Limbikitsani zambiri momwe zingathere.
Mukasankha Pulani Yopulumutsidwa Yanu ndi njira yanu yoyamba yoperekera ndalama, pereka ndalama zomwe mungathe. Ngati simungapereke mokwanira kuti mufike kumapeto kwa boma la federal likugwirizana ndi zopereka zanu, mukuponyera ndalama kutali.
Ndalama zonse zomwe mungathe kupereka pachaka ndi zochepa ndi Internal Revenue Service. Zaka zambiri, ndalamazo zikuwonjezeka pang'ono kuposa kuchuluka kwa chaka chapitacho. Palinso zochitika zakale zomwe zimaloleza kapamwamba. Onaninso Office of Personnel Management kuti muwone malire omwe akugwiritsidwa ntchito kwa inu.
03 Ganizirani njira ya Roth.
Cholinga cha Roth chinakhazikitsidwa pa May 7, 2012, ndipo amalola Othandizira Omwe Akuthandizira Kupereka ndalama ku akaunti zawo pambuyo pa msonkho wa msonkho. Zopereka zapangidwe zimapangidwa pamaso pa msonkho. Anthu angapereke zothandizira pazinthu zonse za Roth ndi zachikhalidwe.
Anthu ayenera kufufuza misonkho yawo kuti aone ngati njira ya Roth imakhala yothandiza kwa iwo. Ngati mukufuna kuti msonkho wanu ukhale wapamwamba tsopano kusiyana ndi kupuma pantchito, sankhani zopereka zachikhalidwe. Ngati mukufuna kuti msonkho wanu ukhale wapamwamba pantchito kuposa tsopano, sankhani kusankha Roth. Katswiri wokhometsa msonkho angathe kukuthandizani kutsimikiza ndi kukuuzani ngati pali zinthu zina zomwe muyenera kuziganizira.
04 Musatuluke msanga.
Ophunzira akuloledwa kutenga ndalama panthawi zina. Ndalama zimaloledwa; Komabe, ophunzira ayenera kuthetsa zofuna zina zonse asanatenge ngongole yachangu yochepetsera ndalama. Kubwereka ku akaunti yanu ya Thrift Savings Plan kwenikweni imabwereka kuchokera ku tsogolo lanu chifukwa mumapereka ndalama zomwe munkapatsidwa.
05 Sungani malinga ndi zomwe mukuchita.
Kukonzekera pantchito kuyenera kukonzedwa kwa munthu aliyense kupulumuka pantchito. Ndondomeko yanu yosayendetsa ndalama siyeneranso kukhala yofanana ndi munthu wina katatu pansi pa msewu. Onetsetsani kuti ndondomeko yanu yopuma pantchito ikugwirizana ndi inu, ndipo ngati ndalama zanu zikusintha, yesani ndondomeko yanu yopuma pantchito ngati mukufunikira.
06 Onetsetsani ndalama zanu.
Ndondomeko Yopulumutsira Ogwira Ntchito Ophunzira akulandira ndemanga ya chaka ndi chaka. Kwa anthu ambiri m'mabuku ambiri, mawuwa ayenera kupereka zambiri kuti akhalebe pamwamba pa ndalama zanu. Nthaŵi zamakono kafukufuku samafunika kuwonongeka kawirikawiri.
Zolemba za Expert: Zomwe zili m'nkhaniyi ndi zokhudzana ndi chidziwitso chokha. Nkhaniyi siyikulingalira kupereka msonkho kapena uphungu. Funsani akatswiri oyenerera kuti azipatsidwa uphungu kapena uphungu.