Ukuhlala kwikhaya lokunyamekela kungabiza kakhulu.
lubonakala njani uphawu lwe-virgo
Akukho mntu ufuna ukucinga malunga nekhaya labongikazi, kodwa njengoko uhamba phambili kwiminyaka, oku kuyimfuneko. Ngaba kufanelekile ukuba ubaphe imali abantwana bakho ngaphambi kweendleko zokuhlala ekhaya labongikazi? Impendulo emfutshane mhlawumbi. Ngelixa oku ngokuqinisekileyo ukhetho, kuya kufuneka ujonge zonke iindleko zakho ekhaya, i-inshurensi kunye nezibonelelo ngaphambi kokupha abantwana bakho.
Ukuseka isixa semali
Izipho zaBantwana aBadala
Abazali banokukhetha ukubonelela ngemali kubantwana babo ngexesha lokuphila kwabo (abazali). Banokunika umntwana omdala isipho esiya kuthi ga kwi-12,000 yeedola ngonyaka ngaphandle kwesigwebo serhafu yesipho. Umzali unokukhetha ukunika uninzi lwezi zipho zemali njengoko bethanda.
Amanqaku afanelekileyo
- Izipho ezili-10 zeHilarious Retirement Gag
- Igalari yeeNgcinga zeZipho zooTatomkhulu
- Igalari yezona ndawo zitshiphu zokuthatha umhlala phantsi
Izipho zaBantwana aBancinci okanye Abazukulwana
Xa umamkeli wesipho ingumntwana omncinci okanye umzukulwana, imeko iba nzima ngakumbi. Abantwana abancinci abanakufumana ngokusemthethweni izipho zemali. Ngenxa yokusilela kokukhula komntwana omncinci ngokubhekisele kwimicimbi yemali, iimali ziya kufuna ukuphathwa ngendlela ekhethekileyo.
Olunye ukhetho ekunikezeleni ngesipho semali emntwaneni kukuseta i-trust. Umnikezeli unokumisela imigaqo yetrasti, kwaye iimali zingasetyenziselwa ukuhlawulela iimfuno zomntwana. Imali ingarhoxiswa ngokupheleleyo xa umntu omncinci efikelela kwiminyaka engama-21. Ukuba umntwana usweleke phambi kweminyaka engama-21, ngoko nayiphi na imali ebibanjelwe itrasti iya kwabiwa ngokomyolelo womntwana okanye womzuzi.
Ukuxhasa ngezimali iindleko zeKhaya labaNesi
Ukuba ucinga ngokunikezela ngesipho kubantwana ngaphambi kweendleko zekhaya lokonga, kuya kufuneka ube nesicwangciso esiqinisekisa ukuba unemali eyimfuneko yokuhlawulela ukhathalelo lwasekhaya.
Sebenzisa iNgxowa-mali yomhlala-phantsi
Ukuhlawulela ukhathalelo lwamakhaya abalupheleyo ngezibonelelo zikhetho. Ngelishwa, ukuba ukuhlala kukude, kunokwenzeka ukuba umhlali wasekhaya okhulileyo uya kuyisebenzisa yonke imali ayigcinileyo ngaphambi kokuphela kobomi bakhe.
IziBonelelo zikaRhulumente
Olunye uncedo lukarhulumente luyafumaneka kubantu abanemivuzo ephantsi. Ukufaka isicelo seMedicaid lukhetho ukuba umntu omkhulu uneeasethi ezimbalwa. Kodwa gcinani engqondweni ukuba iinkqubo ezinje ngeMedicare azigubungeli ukuhlala ixesha elide ekhaya, ukuhlala nje komda okuhambelana nokulungiswa kwezonyango.
Thenga i-Inshurensi yexesha elide
Umgaqo-nkqubo we-inshurensi yokhathalelo lwexesha elide lukhetho olufanelekileyo kubantu abafuna ukukhuselwa endaweni kwimeko apho bafuna ukuhlala kwikhaya labongikazi. Ngokwengxelo enesihloko esithi 'Unonophelo lwexesha elide: Ukuveliswa kweBoom Boom kukonyusa iiNkonzo eziFunwayo zeMali (2001)' ekhutshwe ngu IOfisi yoBalo-mali Jikelele yaseUnited States , umndilili weendleko zonyaka wokuhlala kwikhaya labantu abalupheleyo yi- $ 55,000.00.
I-inshurensi yokhathalelo lwexesha elide ibonelela ngezibonelelo ngexesha apho i-inshurensi ingakwazi ukwenza imisebenzi esisiseko yokuphila kwansuku zonke. Le misebenzi ibandakanya ukuhamba, ukuhlamba, ukutya, ukunxiba, kunye nokungena nokuphuma ebhedini. Olu hlobo lweinshurensi alwenzelwanga abantu abadala kuphela; iya kubonelela ngogubungela umntu oye wenzakala kakhulu okanye onesifo esinganyangekiyo.
ikati yokuphulukana neenwele ngasemva kweendlebe
Elona xesha lilungileyo lokuthenga i-inshurensi yokhathalelo lwexesha elide liphakathi kweminyaka yobudala. Isixa sepremiyamu siyonyuka njengokuba umntu esiba mdala.
Ukukhetha ukuBapha abaNtwana ngaphambi kweNdleko zeKhaya labaNesi
Ukuba unayo i-inshurensi yexesha elide, unokukhetha ukunika abantwana isipho ngaphambi kweendleko zekhaya labongikazi. Kwimeko apho kungekho inshorensi ye-inshurensi yexesha elide ikhoyo, ukhetho olungcono luya kuba kukugcina iiasethi zakho zemali ukuba ziyafuneka ukuxhasa imali kwikhaya labongikazi.
