Muenzaniso: Imba yakavakwa nezvikwata zvitanhatu. Vatatu vanobhadhara $ 700 pamwedzi uye vamwe vatatu vachibhadhara $ 800 pamwedzi.
Dambudziko: Nyore
Nguva Yakakodzera: Maminitsi mashanu
Heino Ndezvipi:
- 3 maundi * $ 700 / mwedzi = $ 2100
- $ 2100 * 12 = $ 25,200
- 3 maundi * $ 800 / mwedzi = $ 2400
- $ 2400 * 12 = $ 28,800
- $ 25,200 + $ 28,800 = $ 54,000 Gore negore. Uyu ndiye GPI yedu.
Mazano:
- Yeuka kuti tiri kutora kugara nekugara uye zvikwereti zvakaitwa.
- Wana mazano ekutanga pane yedu chaiyo yekutsvaga mari yekuverenga mashekeri.
Zvaunoda:
- Calculator
Saka, Sei Izvo Zvichigona Kuwana Mari?
Kumbira chero muridzi wemuridzi weimba yavo pfungwa yavo yekugara yakakwana yepamba yenyika, uye zvinhu zviviri zviripamusoro zvaunonzwa zvinenge zvichida kuti vanoda vashandi vanobhadhara renti yavo nguva yakazara uye zvakare kuti vanovandudza kushanyira kwavo kakawanda. Zvadaro urongwa hunosanganisira zvinhu zvakadai sevarimi vanoita zvakanaka, zvinhu zvisina kuputsa, zvakadaro. Zvisinei, pamusoro maviri ndezvatiri kutaura pamusoro apa.
Izvo zvakabatana nehotera uye kurasikirwa kwemarikiti . Ndiyo mari yakarashika kana rendi isiri kubhadharwa, zvichida nokuti ivo havasi kubhadhara kana kuti iyo unit haina chinhu. Ngatitangei pamusoro pemamiriro ezvinhu apo iwe unorasikirwa nomuchengeti pasina manyevero akawanda, uye iwe unoshambadzira kune imwe itsva.
Zvinosuruvarisa, zvinotora iwe mwedzi-nehafu kuti uite kuti vadzokere mumba uye rendi inofamba zvakare.
Kana yakakodzwa iine $ 800 / mwedzi ($ 9,600 pagore), iyo nguva yenguva ichaderedza mari yako ye $ 1,200 pamwedzi nehafu. Ndiyo 12.5% yemari yako yegore rose. Zvinogona kunge zvakanyanya kuipa kudai vakanga vamira kurega kubhadhara kwemwedzi uye iwe pakupedzisira wakavabudisa kunze, ikozvino wava pamwedzi miviri nehafu 'yakarasikirwa nemari.
Ndiyo $ 2,000, kana kuti 21% kurasikirwa mumari.
Iwe unogona kuona kuti kurasikirwa uye kukwereta chikwereti kunogona kukuvadza zvikuru kudzoka kwako pane utsva (ROI) yeimba. Uye, hatisi kunyatsofungisisa kugadzirisa kwemazuva ose uye kugadzirira kweimba itsva iyo inoitika pose apo kubhadhara kwapera uye vashandi vanoenda kunze. Iwe unogona kunge une rimwe rusvingo, basa rekugadzira, uye pamusana pekuchenesa mari.
Inogona Kukuvadza Sei?
Handiedzi kutyisa chero munhu, asi iwe unofanirwa kunzwisisa migumisiro yekusabhadhara chikwereti uye nguva yekugara. Vazhinji varairimi vanofara kuwana mamiriyoni ekudzoka kwekubhadhara mari yekubhadhara pfuma. Kunyange kana yakarongerwa chete pamari inotengeswa (kubhadhara mari yekubhadhara uye yekuvhara), iyo mamiriro ezvinhu akanaka kuona 20% kusvika 30% kudzoka.
Asi, sezvaunogona kuona kubva pamuenzaniso wedu wakarashika werenho kumusoro, uri kutora zvakakosha apo iwe uri kurasikirwa ne12% kusvika 20% yemari yako. Usazvirega zvichikuchengetedza kubva pakuisa mari, asi nguva dzose edza nepaunogona napo kuti uwane vashandi vakanakisisa, kubvunzurudza uye kuvabhadhara zvakanaka, uye nyatsocherechedza sezvaungagona vasati vabuda.
Zvimwe Zvokukurudzira
Iye zvino kuti ndakakanda chifukidzo chemvura pamusoro pemafungiro ako ekuva pfuma yakawanda yakabhadhara, ngatitorei miniti kuti tifunge nezvekuti sei imba, uye kunyanya dzimba dzekuvakira, ndiyo nzira yakanaka yekuvaka upfumi.
Usakanganwa nezve:
- kugara pamwedzi pamwedzi.
- kukoshesa kukoshesa kwenguva.
- mutero unoshandiswa wokudhura mari yekutengesa, kutungamira nekushanda:
- mitero yemitengo
- inshuwarisi
- mortgage interest
- kushambadzira mari
- kutarisira mari
- kugadzirisa uye kugadzirisa mari.
- iyo kubhadhara mutero kubva pakuderera.
- kukura chikwereti chako ne 1031 Tax Deferred Exchange
Inzira yakanaka yekuisa mari. Ingoita zvose zvaunokwanisa kuwana nekuchengetedza vashandi vakanaka.