Zowona za Kuvala ndi Wogwira Ntchito Wanu

Lingaliro la kuvala ndilofunikira kwa ogwira ntchito onse omwe amapereka ndalama zopindulitsa kuchokera ku 401 (K) zopereka zofanana ndi zida zoletsedwa kapena zosankha zamagulu. Olemba ambiri amapereka madalitso amenewa monga cholimbikitsana kuti agwirizane ndi / kapena kukhala ndi olimba. Zambiri mwazinthuzi zimakhala ndi ndondomeko yowonjezera.

Muyenera kumvetsetsa chilankhulo ndi mawu omwe mungapereke pogwiritsa ntchito mapulani osiyanasiyana a abwana anu musanadzipereke.

Ngakhale zopereka zina za abwana zimaperekedwa mokwanira pa nthawi yomwe zimaperekedwa, zina zimakhala ndi malire ndipo zimagwiritsidwa ntchito panthawi yomwe ikudziwika ngati ndondomeko yotsatsa.

Chitsanzo cha 401 (K) Zopereka Zogulitsa Posakhalitsa

Chitsanzo chimodzi ndi ngati bwana wanu akupereka ndalama zofanana ndi ndalama zanu 401 (K) mpaka 10% mwa zopereka zanu zonse. Tiyerekeze kuti mukupereka $ 10,000 kuti muyike mu 401 (K) chaka chino. Izi zikutanthauza kuti abwana anu amapereka ndalama zina zokwana madola 1,000 (kapena 10%) poyenderana ndi ndalama, ndi kugulitsa mwamsanga. Kuphimba mwamsanga kumatanthauza kuti zoperekazo ndi zanu zonse, ngakhale kuti kuchoka kulikonse kumatsatira malamulo a IRS otsogolera zolinga izi.

Chitsanzo cha Zothandizira Zogulitsa Zomwe Zikhoza Kupita Mwamsanga Kapena, Pa Nthawi Yambiri

Chitsanzo china chingakhale cholimba chomwe chimapereka antchito omwe sali ndi malipiro a ngongole pa nthawi yawo ya chiwongoladzanja, ndipo 100% akugulitsa pamsika zomwe zikuchitika pa tsiku lachitatu la wantchito.

Mtundu uwu wa kubwezera umatchedwa kutsekedwa kwazitali ndipo kumatanthawuza kuti mulibe mlandu pazinthu zoperekedwa mpaka tsiku lachitatu lachikumbutso lifika. Ngati mutachoka pakhomo pambuyo pa zaka ziwiri zomwe zikutanthauza kuti simungathe kutenga (kapena ndalama) muzinthu zanu zonse.

Njira ina yowonjezeramo miyala ndi yokwanira (kapena yophunzira) yophimba zomwe zimayendetsedwa ndi ndondomeko yowonetsera.

Pogwiritsa ntchito chitsanzo chapamwambachi, njira yowonjezera ikhoza kunena kuti 25% ya magawo anu amavala zaka chimodzi (awiri pa 50%) ndi magawo otsala (akuyesa 50%) chovala pa tsiku lanu lachitatu. Mwanjira iyi, ngati mutachoka pakhomo pambuyo pa chaka chanu choyamba, mudzakhala ndi ulamuliro wa magawo 25, ndi zina zotero.

Chitsanzo cha Zogulitsa Zogulitsa Zogulitsa

Kugwiritsiridwa ntchito kwazomwe mungagwiritse ntchito posungira katundu kumakhala kofala m'mabungwe ambiri omwe amagwira ntchito payekha ndi makampani amakono. Chotsatira ichi chimapereka ufulu wokhala nawo gawo pamtengo wapadera pa (kapena kale) tsiku linalake. Mmalo mwa tsiku, ufulu wina woti upezepo ukhoza kukhala chowoneka choyambitsa monga kusintha kwa ulamuliro. Pachifukwa ichi, kusintha kwa ulamuliro ndi nthawi yodabwitsa yokwanira kuti apeze kampani yanu ndi kampani ina.

Otsatsa malonda amakonda mtundu woterewu. Ndipo bwanji osatero. Tiyerekeze kuti mwapatsidwa zosankha 10,000 ndi mtengo wamtengo wapatali wa $ 3.50 pagawo. Ngati malingaliro anu a chithandizo chachinsinsi akusonyeza kuti iwo akupereka kwathunthu kusintha kwa kayendetsedwe kake ndipo foni ina imakhazikika pa $ 4.00 pamagawo, zomwe mungasankhe mwamsanga pakutha kutengako. Izi zikutanthauza kuti muli ndi ufulu wogula magawo 10,000 pa $ 3.50 aliyense ndipo mwamsanga muwagulitse $ 4.00 aliyense, potero kupanga phindu la .50 senti pa gawo.

Chitsanzo cha Ndondomeko Yokwanira Yopuma pantchito

Ntchito zambiri za boma, municipalities, ndi maphunziro zimapereka ndondomeko yoyenera pantchito yopuma pantchito yomwe ikutsatiridwa ndi ndondomeko yowonetsera ndalama zogwiritsa ntchito zaka za utumiki wanu. Pamene zaka zanu zowonjezera ndizomwe mumagwiritsira ntchito ndalama zanu mpaka mutakwanitsa zaka 100 patsiku lomaliza. Komabe, ngati mutasiya ntchito yanu musanapereke ndalama zonse, mumalandira phindu lapuma pantchito panthawi imodzi, koma osati zonse.

Mfundo Yofunika Kwambiri

Samalani kwambiri ndi chilankhulo chozungulira chovalapo phindu lililonse loperekedwa ndi abwana anu lomwe limaphatikizapo zopereka. Ndondomeko yowonjezera yomwe mungasankhe ikhoza kuwonetseratu ntchito yanu, kuphatikizapo kukhalabe ndi olimba mpaka mutadzafika tsiku lofunika kwambiri.