Nciphisa Izinzuzo Zakho Zokuhlala Emsebenzini kanye Nomhlalaphansi Ocebile Kulo nyaka
Njalo ngosuku olulodwa, ama-Baby Boomers angaba ngu-10 000 athola iminyaka yobudala engama-65, ngokusho kwePew Research Center. Nakuba lokhu akusho ukuthi bonke bayokhetha ukuyeka ukusebenza kulokhu okubaluleke kakhulu, kusho ukuthi abaningi bazoqala ukwenza isinqumo esinzulu sokuthuthela esimweni esihle noma esiphezulu sokusebenzisa iminyaka engcono kakhulu yokuphila kwabo. Abanye bakhetha ukwenza kanjalo kuphela ngezizathu zokunakekelwa kwezezimali nezempilo, kanti abanye bakhetha ukuhlala eduze komndeni nabangane.
Kungakhathaliseki ukuthi kwenzekani, abantu abasondeza umhlalaphansi kumele bakhumbule ukuthi bazokwelula kanjani izinzuzo zabo zokuthatha umhlalaphansi ngoba bangase bathole imali engenayo kusuka lapha ngaphandle.
Okufanele Ucabangele Ngaphambi Kokuthatha Umhlalaphansi noma Ukuthuthela
Ezinye zezici okufanele uzicabangele uma ukhetha ukuthuthela kwelinye izwe ngenxa yomhlalaphansi zifaka:
- Ukutholakala kwamasevisi okusekela isikhathi eside - kufaka phakathi ukunakekelwa kwezempilo, ukuqina, nokunakekela abadala
- Izindleko zenkomba yokuhlala esifundeni - ukuqinisekisa izinzuzo zenyanga zonke ezidlule ngenyanga
- Amanani nezintela zokuhlala kubantu abahlala emhlalaphansi - ukwenza imali engenayo yenyanga njalo isikhathi eside
- Izinga lobugebengu lombuso nomuzi - ngakho abantu asebekhulile bangalala ebusuku
- Ikhwalithi kanye nokutholakala kwamakhaya afanelekayo omhlalaphansi nam condos - ukuze kube lula ukuguquka
- Ukushisa nesimo sezulu - kubalulekile kulabo ababhekana nesimo sezulu ezihambisana namazinyo nezinhlungu
- Amathuba okuba yingxenye yomphakathi - okubalulekile ekuhlangenwe nakho okuhle komhlalaphansi
- Ukuvala ukuhamba, ezitolo, ezokuzijabulisa kanye nezikhungo zokuhlala kahle - ukusiza abantu abahlala emhlalaphansi bahlale bekhuthele
- Ukusondela kumalungu omndeni - ukulimaza abazukulu futhi uthole ukwesekwa ngezidingo zansuku zonke
- Ubuhle obuhlobene nempesheni obuhlobene nempesheni kanye nezikhungo ze-VA ezempi kulabo abanezidingo
Lezi zimbalwa zezici eziningi okufanele uzicabangele uma ukhetha isimo esifanele sokuthatha umhlalaphansi.
Uma abantu abahlala emhlalaphansi bethola izinkokhelo zempesheni bazophinde bafune ukuhlola ukubona ukuthi abahlinzeki bezempilo bayayamukela yini izinzuzo zabo. Lokhu kusebenza nakwabalindi bezempi nabaqashile abazofuna ukuhlala eduze ne-VA isikhungo sokunakekelwa okuqhubekayo. Abaningi bazofuna ukuqala ukuthenga ezungezile ukuthola izindawo zokunakekela nokunakekelwa okusizayo ezamukela izinzuzo zokuvikeleka kwezenhlalakahle, nezinzuzo zokunakekelwa isikhathi eside ngoba lokhu kuyinto engaphezulu abantu abasisebenzisayo njengoba besondela ekupheleni kwempilo yabo.
Uhlu olusha lwe-10 ephezulu e-US lithi umhlalaphansi ocebile
Ukuze uzuze kakhulu izinzuzo zabasebenzi nezomhlalaphansi, nansi uhlu olusha lwe-US top uthi ukhetha umhlalaphansi ka-2016, ngokususelwa ekubuyekezweni kwamanje nezincomo ezivela ku-AARP, i-Forbes, ne-BankRate. ( Qaphela: Amazwe angezansi awakho kunoma iyiphi i-oda elithile. )
Texas
I-Texas ingenye yezindawo ezishisayo kakhulu zokuthatha umhlalaphansi ocebile ngo-2016. Kunokuningi okumele kwenziwe eTexas, kufaka phakathi umdlalo we-baseball, ukuxhuma, ukulima, ukuvakashela iGulf Coast nokuningi. Empeleni, u-Abilene wabizwa ngokuthi indawo engcono kakhulu yokuthatha umhlalaphansi ngo-2016 ngu-Forbes. Izindleko zokukhomba kwezingu-83 zingaphansi kwesilinganiso samazwe angama-100 kanti kunokuningi kokuthola usizo lwezempilo ngaphakathi komuzi wezigidi ezingu-120,000.
I-San Marcos enye indawo enhle yokuthatha umhlalaphansi eTexas. Izindleko zokuhlaziywa komlando kuleli dolobha ngu-92 futhi inani labantu lingena ku-55,000. Amanani asekhaya aseMediya angaphansi kuka- $ 200,000.
Pennsylvania
I-Pennsylvania iyisimo esimangalisayo kulolu hlu, ikakhulukazi emzini wasePittsburgh. Izindleko zokuphila zifika ku-84, engaphansi kwesilinganiso sikazwelonke esingu-100. Inani lentengo eliphakathi kwamanani ayizigidi ezingu-140,000, kodwa ubugebengu obubi kakhulu buyinkinga, kanti nobugebengu obukhulu obuyi-798 obubikwe ngonyaka odlule. Uma uqhubeka usuka edolobheni, indawo ephephile iba yabaqashi.
EFlorida
Njengesijwayelekile, isimo saseFlorida senza uhlu lwamaForbes lwezindawo ezinhle kakhulu zokuhlala emsebenzini ngo-2016, kanye nenombolo eyodwa yohlu ohlwini lwe-AARP ezindaweni eziphezulu zomhlalaphansi. I-Key Largo yidolobha labantu abangu-80 000 elinenani lokuphila kwezingu-87.
I-Daytona Beach enye indawo ethandwayo yokuthatha umhlalaphansi ngezindleko zokuhlala izindlu ku-$ 104,000. Uzobe useduze namabhishi, amanzi, izilwane zasendle kanye nokuningi kwegalofu okufanele ukwenze. Ingxenye engcono kakhulu? I-Florida ayikho intela yezokuphepha kwezenhlalakahle.
Arkansas
Ukuhlala eduze kwezinye izakhelo ezinhle kuleli lizwe kuwumgomo wabaqashi abambalwa. Lokho kungenziwa ngokusuka eningizimu eningizimu e-Arkansas. I-Bella Vista inabantu abangaba ngu-28 000, abanezinkomba ezingu-136 zohlu lwezinhlamvu. Ukufinyelela kokunakekelwa kwezempilo kulula kakhulu ngabantu abancane kangaka. Intengo yasendlini yasemakhaya i-$ 127,000, ngakho ukuthola indawo yokuhlala akufanele kube nzima kakhulu.
I-Nebraska
Ngendleko yokuphila nge-90, i-Lincoln ingenye yemizi engcono kakhulu ongayenza umhlalaphansi kuze kube ngonyaka ka-2016. Idolobha linenani lamanani angu-270,000 namakhaya aphakathi kwe-$ 158,000. Ubugebengu obubi kakhulu yinkinga ngamacala angu-338 ngonyaka odlule kwabahlali abayi-100,000. I-SafeWise ihlanganisa amadolobha alandelayo njengendlela ephephile kakhulu yokuhlala eNebraska: Wahoo, Cozad, no-O'Neill.
Tennessee
Uke wafuna ukuvakashela eTennessee? Abaningi baye benza kanjalo, kodwa abazange bashiye ngempela. Izivakashi eziningi eziya e-state ziyahamba zihamba lapho ngenxa yokubukeka kwayo okuhle nomculo wezwe. I-Smyrna inezindleko zokuhlaliswa kwabantu abangu-91 kanye nabahlali abangu-43,000 kuphela.
North Carolina
I-North Carolina inezinto eziningi zokunikeza abaqashile. Indawo eya eGeorgia, eVirginia ngisho nasePennsylvania yenza leli zwe libe yindawo eya kulabo abafuna ukuthatha umhlalaphansi. I-Mount Airy inezindleko zokuhlaliswa kwabantu abangu-92 kanye nabahlali abangu-10 000 kuphela. Ukukhathazeka mayelana nokufinyelela kwezempilo? Ungakhathazeki njengoba kukhona odokotela abangu-103 endaweni.
Idaho
Ukuvela enombolweni emibili ohlwini lwe-AARP yezindawo ezinhle zomhlalaphansi yindawo enkulu ye-Idaho. Akuyona nje kuphela lesi sifundazwe esigcwele ubuhle obuphefumulayo nomoya omusha wezintaba, kodwa izindleko zokuphila ziphansi futhi intela yendawo iphinde ibe ngaphansi kwesilinganiso. Kukhona nezinsiza eziningi, njengezinsizakalo eziphansi, ngenxa ye-Idaho's hydroelectricity, kanye namakolishi wendawo namayunivesithi anikeza amakilasi mahhala kubantu abahlala emhlalaphansi. Akukho futhi intela yokuThuthukiswa koMphakathi, ngakho-ke abaqashile bangenza imali yabo iqhubeke.
I-Arizona
Uke wafuna ukuhlala ehlane? Uma kunjalo, i-Arizona manje kuluhlu lwezinto ezinhle kakhulu zokuthatha umhlalaphansi ocebile ngo-2016. Umbuso unikeza imisebenzi eminingi, ikakhulukazi imicimbi yezemidlalo, kulabo abangafuni nje ukuhlala phakathi neminyaka yabo yegolide. I-Apache Junction yenza uhlu lwe-Forbes lwezindawo ezinhle kakhulu zokuthatha umhlalaphansi ngo-2016. Idolobhana linabantu abangaba ngu-37,000 kanti intengo yasendlini yasemakhaya ingama $ 129,000 kuphela.
Missouri
I-Missouri, igugu lamazwe aseMidwestern, ingaba yindawo enhle kakhulu yokuthatha umhlalaphansi ocebile ngo-2016. Columbia iyidolobha labantu abayi-115 000 abathanda i-baseball, ibhola lebhola kanye neHockey. Amanani asekhaya aseMedian angena ku-$ 171,000, kodwa ubugebengu buyinkinga enkulu. Ubugebengu obubi obubikiwe ngonyaka odlule babhekene nabangu-351 abahlali abayi-100 000. ne-hockey. Amanani asekhaya aseMedian angena ku-$ 171,000, kodwa ubugebengu buyinkinga enkulu. Ubugebengu obubi obubikiwe ngonyaka odlule babhekene nabangu-351 abahlali abayi-100 000.
Awuqiniseki Uma Ulungele Ukuthatha Umhlalaphansi?
Ngenhlanhla, unesikhathi esiningi nemithombo yokwenza lesi sinqumo esikhulu. Uma unempilo, kunconywa ukuthi uqhubeke usebenza kuze kube yilapho uneminyaka engama-72 ubudala, ukuze ukwandise imali yakho yokuthola imali yezokuphepha kanye nesheke nyangazonke. Kungaba yisikhathi esihle sokugxila iningi lemali oyiholayo enkampanini ye-401k yenkampani futhi, ikakhulukazi uma inkampani ihambisana namadola. Okokugcina, faka imali eningi ngangokunokwenzeka kwi-akhawunti yakho yokulondoloza impilo ngaphambi kokuba ufinyelele eminyakeni yobudala engama-65 futhi ufaneleke ku-Medicare. Lena indawo yokukhokha yentela enhle oyokwazi ukungena kuyo ukuze uthole ukunakekelwa kwezokwelapha esikhathini esizayo kanye nokufakwa kwezidakamizwa zemithi kadokotela isikhathi eside uma uqaphela.
Izinsiza Eziningi Zokulungiselela Ukuthatha Umhlalaphansi
Bheka lolu hlu lokuhlola umhlalaphansi. I-AARP inikeza ezinye iziqondiso kanye nombala wokuthatha umhlalaphansi ongenza isinqumo sibe lula nakakhulu. Uzojabulela futhi le ncwajana enjabulweni njengomuntu ohlala emhlalaphansi.