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USA um pawl, harsatnak nei, thlengpek le tlawngkai lo pawl advise ka lo pek thei mi a hnuai lam thu pawl a um:
1) Credit Card management: i) Credit score/history hi ziangtluk a thupi ih ziangtin tuah that theih asi, credit card hman tikah theih tul mi pawl; US ummi laimi mi tampi in kan tawn theu mi cu credit card (leiba) hman sual ruangah kan cem dingzat hnakih tam sumpai kan cem theu ruangah Credit score/history tuah that hi sum ti-zai tu asi vekin thu pi zet ah ruat asi.
2) Retirement Pension Plan: US kumpi in hnatuan tu le an insang pawl hrangah tax pek tul loin pension hrang sum khawl dan theu pawl:
i) Qualified Plans: Pension hrangah tax pek tul loin (Pre-tax investment/saving plan) sum khawlnak a ummi-401k, 403b, Roth IRA, Traditional IRA, Keogh, 401k rollover, etc.
401k ret tikah mi tapi in ziangvek fund ah ziang company in ka sum in kilsak ih ziangtin a cangvai (thang) rero timi ruatsetset lo le thei lo tla kan um thei, curuangah zokhal in 401k ret tikah funds: money market, bond fund, stock fund, international or us stock fund, govt. securities or guarantee fund pawl ah kan ret a tha timi thu hla le sum retnak a phunphun le an danglamnak pawl thu khal zirh awk theih asi.
Company ah hna a tuan lo, thimnakah-Sushi dawrnei, pawl le insang ah nau um in maw hnatuan thei lo tu khalin US govt. in a ruatsak mi qualified pre-tax investment/saving plan an neih mi thu hla pawl khal theih tha zetzet an si fawn.
US kumpi in senpi vangtlang, a bik takin, sum hailut mal deuh (Low incomers) pawl hrangah pension plan a tuahsak mi pawl thu; (US laimi a tamsawn 90% pawl cu US ih low income retirement pension plan sungah kan qualified theh ding a zum um). Mah le company hnatuan nak ah 401k a nei tu pawl hrangah ziangvek “fund” sumretnakah 401k kha ret asi le a pung a tha ih pension tikah ziangtin ziangzat sum beisei thei kan si timi pawl thu; cuvek thotho in hnatuannak company in 401k a nei lo khal asile US kumpi a ruatsak mi qualified (tax pek tul lomi) pension sumkhawl dan pawl thu khal sim theih asi.
3) Investment: Laitlang le kawram vekin sumpai laklut mi te thingkuang sungah thuh men tikah inflation thawn ruat asile sumpai kan neih mi ih man cu kumtin te a ttum/mal vivo vekin ziangtin kan sumpai cu market rate in kan tithang ding, asilole ziangtin kan neih mi sun te market ah hna kan tuan ter ding timi thu a ruat duh pawl hrangah investment thu hla pawl ruat khawm, zir le theih tha zet asi fawn.
US um laimi pawl lakah, kamai generation lak ihsin, 99.9% cu mahte business nei thei lole low incomer kan si ringring lai ding in a lang vekin investment bungrua pawl hmangin kum no te lai ihsin sumpai tete khawl khawm hna thiam tu pawl cu tuihnu kum 10, 15, 20 ahcun sumhram nei in tuah duh mi tuan asilole cawl hahdam thei tu an si fawn ding ruangah investment thu hla khal theih/zir le hman thiam a thupi zet mi asi.
4) Children Education saving plan:
US ram ah inflation hi kum tin te 4% to 6% in a thang vivo ih college tuition fee pawl hi inflation ih let thum in kumtin te a thang ringring. Curuangah fale nauhak a nei mi pawl cun an nauhak lai te ihsin sumpai an khawlsak lo asile college an thlen tikah duhvekin sumpai bawm thei tu nulepa si a harzat ding ruangah US kumpi in tax pek tul lo mi nauhak hrangah investment opportunity a tuah sak mi pawl, 529, Coverdall education saving plan, tvp. thu khal ruah/zirh awk theih asi.
6) Life Insurance:
US um tikah zo cio khal ruah lo pi in harsatnak tong thei dinhmun ah a ding aw cio vekin Life insurance hi thil thupi zet asi rualrual in insurance a phunphun a ummi lakah ziangvek insurance hi ka insang, ka income, le ka kum thawn mil aw in ka hrang ah a tha bik si ti theih khal thil thupi zet a si in a lang fawn. Insurance a phunphun-Group Life, Accidental Life, Term Life, Whole Life, Universal life insurance, etc. pawl thu khal zirh awk theih asi.
5) Mortgate loan thu:
In lei tikah loan thu hla theih tul mi pawl, interest rate, PMI, Bi-weekly payment option, etc. pawl thu le first time home buyer or refinance tikah theih tul mi tete thu hla pawl khal zirh awk theih asi fawn.
6) US social benefit pawl thu:
i) Social Security income: Pension plan thu, ziangtikah zo in ziangtin SS pension a ngah thei;
ii) Social Security Suplemental Income (SSI) or Disability income.
iii) Medicare (Part A, B, C,D) pawl thu,
iv) Medicaid: zovek milai in ziangvek income nei in ziangvek Medicaid a nei thei, US kumpi in ziangvekin zovek pawl hrangah ziangvek health coverage a tuah sak mi a um, timi pawl thu.
v) FS, TANF pawl hi ziang an si ih ziangtikah zo in ziangtin a ngah theih.
7). Family financial palning.
Himi hlei ah social benefit dangdang thu hla theih tul mi tete mimal in siseh mibur in siseh neih mi a um asile ruatkhawm le zingzawi khawm vivo asi fawn ding. Cui hlei ah tlawngta mino deuh pawl hrangah US kumpi ih a ruatsak mi student loans/grants pawl thu hla khal a tul dan le mamawh tu umdan ih zir ih theih awkter le zirh awk theih asi fawn.
Professional, pumcawmnak hrang siloin Khrih ah zumtu unau harsatnak bawm duh ruangah asi. |