Ixesha lokuba ngummi ophakamileyo lithetha ukubonisa umahluko wabo bangabantu abadala kuluntu lwethu, kodwa umdala kangakanani? Iminyaka eyiyo yomntu osele ekhulile inokwahluka ngokuxhomekeka ekubeni ixesha lisetyenziswa phi kwaye njani. Eminye imibutho ithatha iminyaka yobudala engama-50 njengabantu abadala ngelixa abanye banokuchaza iminyaka engama-60 okanye ngaphezulu.
hlukana neleta ubhalele umntu omthandayo
Ubudala baBemi abaDala kwiiNkqubo eziKhulu zikaRhulumente
Zininzi iinkqubo zikarhulumente ummi osele ekhulile anokuzisebenzisa njengoko eneminyaka. Enye yeenkqubo ezinkulu kukhuseleko lwentlalo. Nangona kunjalo, kukwakho neMedicare, eyindlela yokugubungela i-inshurensi kwizigulana ezigugileyo. Urhulumente ubonelela ngeenkqubo zoncedo lokutya kubantu abadala. Xa kufikwa kumthetho, ixesha lokuba ngummi osele ekhulile lixhomekeke kwinkqubo.
Amanqaku afanelekileyo- Abemi abaDala
- Iinwele eziHambelanayo zeenwele zesilivere
- Izitayile ezinde zabafazi abaDala
Ukhuseleko lweNtlalo yaBadala
Uninzi lwabasebenzi baseMelika bafanelekela ukufumana izibonelelo ezipheleleyo ezivelaUkhuseleko lasekuhlalenikwiminyaka engama-66 ukuya kuma-67 ngokuxhomekeke kunyaka wokuzalwa. Uninzi lwabasebenzi kufuneka babe ngama-67 ukuba bathathe umhlala-phantsi, kwaye ngenxa yeso sizathu, abantu abaninzi bathatha ama-67 'njengobudala bokwenene' bommi omkhulu. Nangona kunjalo, ubudala obufanelekileyo bokufumana izibonelelo zoKhuseleko lweNtlalo ngokupheleleyo kuxhomekeke kwi Usuku lokuzalwa . Umzekelo:
- Ukuba wazalwa ngo-1943 ukuya ku-1954, awufanelanga kufumana izibonelelo zomhlala-phantsi de ube uneminyaka engama-66.
- Ukuba wazalwa phakathi kuka-1955 ukuya ku-1959, unelungelo lokufumana izibonelelo zomhlala-phantsi ngokupheleleyo kwiinyanga ezimbini ezonyuselweyo kunyaka wakho wama-66. Umzekelo, iminyaka ye-1955 yiminyaka engama-66 kunye neenyanga ezi-2, 1956 yiminyaka engama-66 kunye neenyanga ezi-4, njalo njalo.
- Ukuba wazalwa ngo-1960 okanye kamva, awufanelanga kufumana izibonelelo zomhlala-phantsi de ube uneminyaka engama-67.
Ubudala buqwalaselwa njengommi ophakamileyo: 67 (ukuba wazalwa ngo-1960 okanye kamva)
Iminyaka yoNyango
Inqanaba leminyaka engama-65 ibalulekileUnyangoizibonelelo. I-Medicare yinkqubo karhulumente ebonelela nge-inshurensi yezempilo kwabo baneminyaka engaphezulu kwama-65. Izibonelelo zahlulwe zaba iinxalenye ezine : A, B, C no-D. Inkqubo yokwenza isicelo kufuneka iqale iinyanga ezine phambi kokuba umntu oneminyaka engama-65 ubudala afumane ingxelo ukususela kusuku lwakho lokuzalwa.
Ubudala buqwalaselwa njengommi ophakamileyo: 65
Inkqubo yokuNcedisa iSondlo (SNAP)
Inkqubo yokuNcedisa ngeZondlo ( QAPHELA ) unemithetho ekhethekileyo kubantu abadala abafuna uncedo lokutya. Le nkqubo yaseburhulumenteni imisele iminyaka engama-60 ubudala ukuba ibeyiminyaka yokuba ngumdala. Kukho imida yengeniso kwaye ilizwe ngalinye inemithetho eyahlukeneyo. Umzekelo, abanye bathi iimoto zibalwa njengeeasethi ngelixa abanye bengenazo. Abantu abadala bafumana ukuncitshiswa kwezonyango kunye nezinye iindleko eziqwalaselwa kwimali yabo.
Ubudala buqwalaselwa njengommi ophakamileyo: 60
Iiarhente zommandla wokuguga (AAAs)
Inkqubo ye- Iiarhente zoMmandla ekuGuga ziinkqubo ezisekwe ekuhlaleni ezenza ukuba abantu abadala, abaneminyaka engama-60 nangaphezulu, bahlale kumakhaya abo ixesha elide. Le mbono yaqulunqwa 'ubudala endaweniapho abantu banokuhlala kumakhaya abo nakwiindawo abahlala kuzo njengoko besiba buthathaka ngakumbi. I-AAA yendawo inokuhambisa ukutya, ibonelele ngeenkqubo zononophelo, ibonelele ngamaziko oluntu okuguga, kwaye ibonelele nangoncedo.
Ubudala buqwalaselwa njengommi ophakamileyo: 60
ICandelo leZithuthi (DMV)
Kuxhomekeke kwisimo sakho, unokucelwa ukuba uhlaziye iphepha-mvume lakho lokuqhuba ngokusebenzisa i- Ulwahlulo lweZithuthi rhoqo njengoko uneminyaka yobudala. Oku kukhusela abaqhubi abangaboni kakuhle, ababona kakuhle, kunye nengqondo ekuqhubeni endleleni. Wonke urhulumente unemigaqo nemigaqo. Umzekelo yi ilizwe laseFlorida , owenza abaqhubi, eneminyaka engama-79, beza ngokwabo ukuvuselelwa kwelayisensi kuba umqhubi kufuneka adlule kuvavanyo lombono.
u-april isidenge wenza ukudlala kubazali
Ubudala obuthathwa njengommi omkhulu: 79
Inkcazo yaBemi abaDala ngokweeNkqubo zeShishini
Kuxhomekeke kwisicwangciso somhlala-phantsi okanye umbutho wokudibana, zininzi iinkqubo zeshishini zabucala ummi osele ekhulile onokuthatha inxaxheba kuzo kwiminyaka ethile.
401 (k) s, IRAs kunye neRoth IRAs
Ukuba une-IRA okanye i-401 (k), kukho isibonelelo esisezantsi esifunekayo ekufuneka usithathile uneminyaka engama-70 enesiqingatha ubudala. Kuya kufuneka uthathe isixa esithile semali rhoqo ngokusekwe kwifomula yosasazo olufunekayo (RMD). Inani lomntu ngamnye libalwa ngokusekwe kubudala bakhe, isixa esigciniweyo kunye nexesha lokuphila. Ukusilela ukuthatha isixa esifanelekileyo sokurhoxa kunokukhokelela kwisohlwayo serhafu yokurhafiswa.
Ubudala buqwalaselwa njengommi ophakamileyo: 70.5
I-AARP
Omnye wemibutho yokuqala yokwamkela abantu abadala ngu I-AARP . Ukufaneleka kwamalungu kuqala kubudala beminyaka engama-50 kwaye ngokujoyina lo mbutho ufumana izaphulelo kwiinkonzo ezahlukeneyo ezinje ngokuhamba, iihotele, iivenkile zokutyela, ukurenta imoto, abathengisi abakwi-Intanethi, njl. amanqaku ewebhusayithi. Lo mbutho yindawo yokuphembelela enamandla kwimicimbi yabadala nakwipolitiki.
ibizwa ntoni ivodka kunye nejusi yeorenji
Ubudala buqwalaselwa njengommi ophakamileyo: 50
Iinkampani zeinshurensi yeemoto
Kwiinkampani zeinshurensi yemoto yeminyaka yobudala ukuthathwa njengomhlali osele ekhulile yiminyaka engama-65. Eli wonga lihlala liza nokwanda kwepremiyamu, kanye njengabaqhubi abancinci. (Ingcebiso ngokubanzi kukuyokujikeleza ukuze ubone ukuba inkampani yakho yeinshurensi yemoto inyula umntu ukuba abe ngummi omkhulu).
Umyinge weminyaka yobudala uthathelwa ingqalelo njengommi osele ekhulile: 70
Ivenkile neevenkile
- KaDenny inemenyu engaphezulu kweminyaka yobudala engama-55 kwaye ikhadi le-AARP liyakufumana ipesenti ye-15 kuyo nayiphi na into.
- Ivenkile yaseRoss unikezela nge-10% isaphulelo ngolwe-Lwesibini kwabo baneminyaka engama-55 nangaphezulu.
- UHertz ibonelela ngenkqubo yokuqasha imoto eyi-50 + eneesaphulelo ukuya kuthi ga kwi-35% isaphulelo.
- Amtrak unikezela ngesaphulelo seepesenti ezili-15 kumatikiti kwiindlela ezininzi zoololiwe kwabo baneminyaka engama-62.
- UMarriott Nikeza isaphulelo seepesenti ezili-15 kumaxabiso abo egumbi kubantu abadala ngaphezulu kweminyaka engama-62.
- Iinqwelomoya zase Mzantsi-ntshona inikezela ngesaphulelo sabahambi abaneminyaka engama-65 nangaphezulu. Ukongeza kwizaphulelo ezinokubakho, onke amatikiti okuhamba aphezulu abuyiswa ngokupheleleyo.
Uluhlu lwabantu abadala
Abemi abadala banokuchazwa ngeendlela ezininzi nakwiminyaka eyahlukeneyo ukusukela kwiminyaka engama-50 ubudala ukuya phezulu. Thatha ithuba kuzo zonke izibonelelo eziphezulu ezikhoyo kwaye uzilungiselele amanyathelo abalulekileyo azayo. Akukho ncazelo isikiweyo neyomileyo yento eyenza ukuba ummi ophakamileyo, kodwa ukuhlala unolwazi malunga nezixhobo ezikhoyo kunokuphucula umgangatho wobomi ngelixa ugcina imali. Ubomi abubi kangako xa sele umdala! Ufumana ithuba lokufumana izaphulelo.
