Kubalulekile ukuba ujonge ukuba lingakanani ixabiso lendawo yokungcwaba, kunye nemirhumo eyongezelelweyo ehamba nayo, xa ucwangcisa umngcwabo, okanye ngaphambi kokuthenga indawo yakho yokungcwaba. Ngokubanzi, iindawo zokungcwaba zinokubiza phakathi kwe- $ 700 ukuya ngaphezulu kwe- $ 5,000 kuxhomekeke kwizinto ezininzi.
Ixabisa malini iplani yokungcwaba?
Ukuthengwa kwebali lokungcwaba kubandakanya kuphela iindleko zeyona ndawo ibekelwe umngcwabo. Ngelixa ukhathalelo lwe-endowment lunokongezwa kule ntlawulo, kubalulekile ukuba ukhumbule ukuba zininzi ezinye iimali ezongezelelweyo ezihamba nokuthengwa kwendawo yokungcwaba.
Amanqaku afanelekileyo- Uluhlu lweendleko zomngcwabo
- Isikhokelo esilula kumaxabiso entloko kunye neendleko
- Imigaqo nemigaqo yokungcwaba eluhlaza
Ixabiso leNdawo yokuNgcwaba
Uhlobo lweploti okhetha ukuyithenga inokuba nefuthe elikhulu kwixabiso lesakhiwo sokungcwaba.
- Icebo elinye linokuxabisa phakathi kwe- $ 200 ukuya ku- $ 2,000 kumangcwaba kawonkewonke ukuya kuthi ga kwi-5,000 yeedola kumangcwaba abucala
- Isakhiwo secala-ecaleni (icebo leqabane) kunye neplothi yosapho ziya kwahluka kumaxabiso, kodwa amangcwaba ahlala enikezela ngamaxabiso esaphulelo ngokuthengwa kwezinto ezininzi
- Ukutshiswa kwezidumbu onqwenela ukungcwatywa kuzo kungabiza phakathi kwe- $ 350 ukuya kwi-2,500 yeedola
Yimalini indawo yokungcwaba uthuthu
Emangcwabeni kawonkewonke, indleko zokungcwaba uthuthu zingasukela kwi- $ 350 ukuya kwi-500 yeedola. Emangcwabeni abucala, ixabiso linganyuka liye kufikelela kwi- $ 2,500.
Kutheni amaNgcwaba angcwaba kangaka?
Ixabiso lendawo yokungcwaba linokubandakanya imali yesondlo kunye namanyathelo othintelo athathiweyo ukuqinisekisa ukugcinwa kwamangcwaba. Ngaphandle kwesakhiwo uqobo, iindleko ezongezelelweyo zinokubandakanya:
- UnxibelelwanoImirhumo, ebandakanya ukumba nokuzalisa ingcwaba, kunye nokuphatha amaphepha afanelekileyo: anokuxabisa ukuya kuthi ga kwi-3,000
- Inkathalo ye-Endowment: inokuxabisa ukuya kuthi ga kwi-250 yeedola
- Ingcwaba lengcwaba ukuba liyasebenza: linokuxabisa ukuya kuthi ga kwi-2,500 yeedola
- Ukumba amasimi: inokuxabisa ukuya kuthi ga kwi-4,000 yeedola
- Isimangcwaba okanye ukufakwa kwelitye lentloko: kungabiza ukuya kuthi ga kwi-850 yeedola
Iindleko zamangcwaba
Iindleko zesiza ziya kuxhomekeka kwizinto ezininzi kubandakanya:
- Indawo yamangcwaba
- Ukuba amangcwaba abucala okanye abucala
- Xa kuthengwa, njengoko amaxabiso athambekele ekunyukeni ngokuhamba kwexesha
- Ubungakanani bebali
- Uhlobo lwesakhiwo
Yimalini indibano yamangcwaba?
Ixabiso lendawo yamangcwaba lingahluka kakhulu ngokuxhomekeke kwindawo yamangcwaba. Iindawo zokungcwaba kunye nendawo yamangcwaba zisetyenziswa ngokuchaseneyo ukuchaza indawo ebekiweyo okanye indawo ekhoyo yeibhokisiokanyeUmchamoumngcwabo. Iziza zamangcwaba zinokuxabisa ukuya kuthi ga kwi-5,000 yeedola, ngamaxabiso ahamba ngokunyuka ngokuhamba kwexesha.
Yintoni amaxabiso aphakathi endawo yamangcwaba?
Iindleko zamangcwaba kwiindawo ezahlukeneyo ziya kwahluka ngeCalifornia naseNew York ngamanye amaxabiso aphezulu elizweni. Eminye imizekelo yamaxabiso ajikeleze i-United States ngeendawo zokungcwaba:
- ENew York: $ 4,500 ukuya kuthi ga kwi-19,000 yeedola
- ICarlifonia: ijikeleze i-4,000 yeedola ngokuxhomekeke kwindawo ethile
- IColorado: ijikeleze i-2,000 yeedola
- Missouri: ijikeleze i-2,000 yeedola
- IGeorgia: ijikeleze i- $ 1,500
- I-Alabama: ijikeleze i- $ 1,500
- IFlorida: ijikeleze i- $ 1,200
- I-Oregon: ijikeleze i- $ 1,000
Yintoni indawo yam yamangcwaba efanelekileyo?
Ukuba sele unendawo yamangcwaba, kodwa ungathanda ukuyithengisa, kubalulekile ukuba ungene emangcwabeni apho iyelenqe lathengwa khona kuqala. Banokuba negatya kwisivumelwano esinciphisa amandla akho okuthengisa iyelenqe, kwaye banokukhetha ukuwuthenga kwakhona kuwe ngexabiso lokuqala lokuthengisa. Ukuba awuthintelwanga ngamangcwaba ngokuthengisa iyelenqe lakho, yazi ukuba amangcwaba ahlala enyuka kwixabiso lawo ngokuhamba kwexesha. Unokuqhagamshelana nomthengisi wamangcwaba malunga nokuthenga okanye ukuthengisa indawo yamangcwaba.
Intlawulo yokuGcina amangcwaba
Amangcwaba angabiza ukuya kuthi ga kwi-15% yexabiso lakho lokungcwaba ukubhatala imali yesondlo. Ezi ntlawulo zaziwa njengononophelo lwendlu okanye iifizi ezingapheliyo. Ezi ntlawulo zigubungela ukugcinwa kwamangcwaba:
- Ukulahlwa kwenkunkuma
- Ukugcinwa kwengca
- Amaphepha kunye nokugcinwa kwamaphepha-mvume
Indlela yokuthenga indawo yokungcwaba
Ukuthenga indawo yamangcwaba ngokwakho okanye umntu omthandayo kunokuziva kunzima. Qiniseka ukuba ufuna uncedo ukuba ufuna inkxaso eyongezelelweyo ngeli xesha.
- Ndwendwela amangcwaba ambalwa kwaye ujonge iziqendu ezinomdla kuzo.
- Fumana i-rundown epheleleyo yamaxabiso.
- Qinisekisa ukuba amangcwaba aligcinile ilayisenisi yawo kwaye ime kakuhle.
- Qonda imigaqo ethile yamangcwaba kunye nezikhokelo njengoko ziya kuba nefuthe kuwe kunye / okanye kwabathandekayo bakho abatyelelayo.
Ndilikhetha njani iplani yamangcwaba?
Eyona ndlela yokukhetha indawo yamangcwaba kukuhamba ngenene emangcwabeni kwaye ujonge iiplani onomdla kuzo.
- Ngaba ndiyafuna ukungcwatywa kufutshane nabantu endibathandayo?
- Ngaba ndithenga iyelenqe elinye, iyelenqe losapho, okanye isiqwenga somlingane?
- Ngaba indawo yam amangcwaba ndiyayithanda?
- Ngaba ndonwabile ngamaxabiso emangcwabeni endiwakhethileyo?
Zingaphi ii-Urns ezinokungcwatywa ngePlothi nganye?
Ukungcwatywa kwe-Urn kwisiqwenga ngasinye kuya kuxhomekeka kwimigaqo-nkqubo nganye yamangcwaba. Ngokwesiqhelo phakathi kwentsimbi enye okanye ezine zokutshisa izidumbu kungcwatywa kwisiqwenga esinye, kodwa kuya kufuneka ujonge kumangcwaba akho kwangaphambili.
Ukuthenga indawo yokungcwaba kwangaphambili
Unokukhetha ukuthenga indawo yokungcwaba ngokwakho okanye obathandayo kwangaphambili. Ngokubanzi, ukuba uqinisekile ukuba ungathanda ukungcwatywa emangcwabeni athile, ukuthenga kwangaphambili okanye iindawo ezininzi zokungcwaba kunokugcina imali njengoko amaxabiso ethanda ukunyuka ngokuhamba kwexesha kwaye amangcwaba ahlala enikezela ngezaphulelo zokuthenga.
Ukwaphulwa kweendleko zokuNgcwaba
Imingcwabo inokuhluka kumaxabiso kwaye ixhomekeke kwizinto ezininzi. Ukuba neukonakala kweendleko zomngcwaboinokukunceda uqonde ngcono uluhlu lwamaxabiso onokulindela ukuwuhlawula.
Yimalini indleko zamangcwaba?
Isiza samangcwaba siya kwahluka ngokwexabiso kuxhomekeka kwizinto ezahlukeneyo kubandakanya indawo, ixesha lokuthenga, uhlobo lwesakhiwo, nokuba amangcwaba asesidlangalaleni okanye abucala. Ukuba ukwinkqubo yokuthenga indawo yamangcwaba, qiniseka ukuba ujonge amangcwaba ambalwa, ukuba kunokwenzeka, ukuqinisekisa ukuba ufumana awona maxabiso akhuphisanayo.
