Nzira yekuwana chikwereti chemotokari nemari yekuremara
Zvizhinji zvinoshanduka kana wagamuchira mari yekuremara. Kunyangwe mabhenefiti aya achikubvumidza kuti ubhadhare mari yekugara paunenge uchirarama nehurema hwako, mari yacho haivharise chero chinhu kunze kwezvinodikanwa. Nekuti uri pa...
Zvizhinji zvinoshanduka kana wagamuchira mari yekuremara. Kunyangwe mabhenefiti aya achikubvumidza kuti ubhadhare mari yekugara paunenge uchirarama nehurema hwako, mari yaunowana haivharise chero chinhu kunze kwezvinodikanwa. Nekudaro, nekuda kwekuti uri mubhajeti hazvireve kuti unofanirwa kunge usina chako chekufambisa. Kunyange zvazvo zvingava zvakanyanya kuoma kune vanhu vakaremara kuwana chikwereti chemotokari, zvinogoneka nekuronga kwakakodzera.
Danho 1: Nechinangwa ongorora kukweretwa kwako. Kune akati wandei mawebhusaiti, kusanganisira Chikwereti Karma, kwaunogona kuwana kopi yemahara yerepoti yako yechikwereti kamwe pagore.
Usati wakumbira rudzi rupi norupi rwechikwereti, kungava kuchenjera kuziva kuti vanokweretesa (mabhangi kana mamwe masangano anotsigira zvikwereti) vanoona sei pamusoro pokukwanisa kwako kubhadhara chikwereti chemotokari. Nenzira iyi unogona kutarisa ruzivo rwechokwadi.
Kana paine ruzivo rwaunofunga kuti harufanirwe kusanganisirwa, unogona kukwidza gakava kune rimwe nerimwe remasangano makuru matatu ekukweretesa mari - Experian, TransUnion neEquifax - anozoferefetwa pamwe nekubviswa. Iwe unofanirwa kuziviswa nezvemhedzisiro yekuferefeta mukati memazuva makumi matatu mushure mekuisa gakava.
Danho rechipiri: Wedzera pamwe chero mari isingaenderane nehurema hwako.. Avo vanogamuchira mabhenefiti ekuremara vanobvumidzwa kushanda nhamba shoma yemabasa pasina kurasikirwa nemari yavo yeSocial Security for Disability (SSDI).
Zvinogoneka kushanda kusvika maawa makumi masere nemari isingasviki $80 pamwedzi mumari yekunze. Chero mari yekunze haingoite kuti kurarama nemari shoma kuwedzere kunaka, asi zvakare inowedzera mikana yako yekubvumidzwa kupihwa mari yemotokari.
Danho rechitatu: Sarudza kuti imarii chikwereti chaunoda. Kunyangwe uine mari kunze kweSSDI yako kana kuti kwete, haungaite kuti ubvumirwe chikwereti chakakura zvakakwana kuti utenge motokari yemazuva ano yemitambo inonakidza fashoni yako kana imwe mota ine mutengo wepamusoro.
Kazhinji, vanokweretesa vanongobvumidza chikwereti chemotokari chemari yakazara isingasviki kana yakaenzana ne35% yemari yako yegore. Saka, wedzera yako yegore SSDI uye ekunze masosi emari wobva wawedzera izvozvo ne35 kuti uwane iyo yakawandisa mari yaunokwanisa kukumbira chikwereti.
Danho 4: Funga nezvemumwe-saina. Kana chikwereti chako chekwereti uye mari yako yose yakapenda mufananidzo usina kujeka wekubvumirwa kwemari, kuchine tariro yekutenga motokari.
Tsvaga muchengeti wechikwereti chaunoda; nhengo dzemhuri uye shamwari dzepedyo ndivo vanhu vako vakanyanya kutendeukira kwavari.
Ingoziva kuti kana iwe ukatadza kubhadhara, wako guarantor ndiye ane basa rekugadzirisa kuregeredza kwako. Izvi zvine mukana wekuparadza hukama hunokosha hwemunhu, saka usabvunza munhu kuti akuise panjodzi kana usina chokwadi chekugona kwako kubhadhara chikwereti nenguva.
Danho 5. Tumira zvikumbiro kune vanokweretesa. Mushure mekuwedzera mari yako, tarisa huwandu hwechikwereti uye pamwe guarantor, taura nevakweretesi kuti uwane mari.
Bhengi rako rinowanzo kukupa mubereko uri nani, nepo vemotokari vanopihwa mari mukati memba ndivo vangangobvumira mari nechikwereti chepamusoro. Nekudaro, hazvikuvadze kutarisa kune akati wandei masosi; izvi zvinowedzera mikana yako yekubvumidzwa uye iwe unogona kutopihwa mukana wekusarudza yakanakisa chikwereti chekupa iwe.
Kunyangwe kuremara uye kurarama pamabhenefiti ehurema zvichidzikamisa sarudzo dzakawanda dziripo kwauri, izvi hazvireve kuti unofanirwa kuve mupemhi akazara. Kuve nechokufambisa chako kunorerutsa zvakanyanya zviitiko zvezuva nezuva uye kunokupa pfungwa yerusununguko uye kudada. Nhanho nhanho kuburikidza neiyi nzira yekukwereta mota uye uchave pedyo zvakanyanya nekuve neyako mota. Usati watenga motokari, iva nechokwadi chekubvunza mumwe wevashandi veAvtoTachki kuti aite kuongorora kwekutenga-pre-kutenga kuti ave nechokwadi chokuti iri mumamiriro ezvinhu akakwana.
