Nyob Zoo MarketWatch,
Kuv xav yuav ib lub tsev nyob rau lwm lub xeev rau qis dua $300,000.
Kuv muaj $150,000 nyiaj ntsuab thiab tsev tsis muaj tsev nyob muaj nqis $300,000. Kuv kuj muaj $300,000 hauv kuv tus account brokerage.
Tab sis peb tsuas ua tau $60,000 ib xyoos tam sim no uas peb so haujlwm. Yog li cov qiv nyiaj tsis zoo li xav tau peb.
Yuav ua li cas yog cov se ramifications ntawm kev siv kuv cov nyiaj brokerage? Kuv yuav ua li cas lub sij hawm muag kuv lub tsev kom them rau lub tsev tshiab nyob rau hauv lub khw no?
Kos npe,
Retired thiab Npaj txav mus
'Txoj Kev Loj Loj' yog MarketWatch kem saib lub ins thiab outs ntawm vaj tse, los ntawm kev tshawb nrhiav lub tsev tshiab rau kev thov qiv nyiaj.
Koj puas muaj lus nug txog kev yuav lossis muag tsev? Koj puas xav paub seb koj qhov kev txav mus tom ntej yuav tsum nyob qhov twg? Email Aarthi Swaminathan ntawm [email tiv thaiv].
Nyob zoo Retired and Ready,
Tes tawm tus account brokerage!
Ua ntej tshaj, ib daim ntawv ceeb toom: Koj puas ntseeg tias koj yuav nyiam lub xeev tshiab? Koj puas paub kev lag luam vaj tsev nyob hauv cheeb tsam ntawd? Tej zaum koj yuav xav xauj ib qho chaw rau ob peb lub hlis thiab saib seb koj puas nyiam lub zej zog.
Qhov ntawd tau hais tias, Matt Barbieri, tus kws tshaj lij pej xeem suav nrog Wiss & Company, tau hais tias kev siv cov nyiaj hauv koj tus account brokerage tuaj yeem raug them se, yog tias koj tau txais txiaj ntsig ntawm koj cov peev txheej thiab koj cov nyiaj tau los.
Yog tias koj muag koj cov khoom lag luam, daim ntawv cog lus, lossis lwm txoj haujlwm, thiab koj "paub tias qhov nce" los yuav lub tsev tshiab no, Barbieri tau hais tias, "koj tuaj yeem pom koj tus kheej them se ntawm cov nyiaj tau los, thiab ua rau koj cov khoom muaj nqis tsis zoo. “
Ntawm qhov tod tes, muag koj lub tsev tsis tau them se (nrog cov lus ceeb toom).
Yog tias koj thiab koj tus txij nkawm tau nyob hauv koj lub tsev tam sim no tau ob ntawm tsib xyoos, thiab koj sau koj cov se ua ke, lub Internal Revenue Service Barbieri hais tias, tso cai rau kev cais tawm ntawm kev muag khoom, txog li $ 500,000.
Hauv lwm lo lus, yog tias koj muag lub tsev koj nyob hauv, koj yuav tsis ua se, thiab tag nrho cov nyiaj yuav raug siv los yuav koj lub tsev tshiab.
Yog li txoj hauv kev zoo tshaj rau koj yog muag koj lub tsev uas twb muaj lawm, tau txais cov nyiaj no, thiab yuav koj lub tsev tshiab sub-$300,000 hauv lub xeev sib txawv.
Raws li lub sij hawm dav dav ntawm kev muag khoom ntawm koj lub tsev, kuv xav hais sai sai dua tom qab.
Cov nqi tsev qiv nyiaj yog siab - siab dua 7% - thiab cov neeg yuav khoom tau rub rov qab. Tab sis rau cov neeg uas tab tom nrhiav, lawv tab tom qhia kuv tias lawv tsis tuaj yeem nrhiav kev xaiv ntau, vim tias cov khoom siv hauv tsev lossis cov khoom lag luam qib tseem tsawg heev.
Nyob rau hauv lwm yam lus, tsis muaj coob tus neeg muag tsev, txawm tias tseem muaj zog thov rau nws.
Qhov ntawd txhais tau tias koj yuav nrhiav tau tus neeg yuav khoom ntau dua. Koj tsis muag nyob rau sab saum toj, txij li tus nqi nce tau thawb tus nqi qis me ntsis, tab sis koj kuj tsis xav tos ib puag ncig muag thaum tus nqi poob qis, deb hauv qab qhov chaw lawv niaj hnub no.
Yog tias muaj kev txhawj xeeb txog kev tso tseg yam tsis muaj chaw nyob, xav txog kev sau npe koj lub tsev nrog 'muaj xwm txheej' uas txhais tau hais tias kev muag koj lub tsev yog cuam tshuam rau koj nrhiav lub tsev tshiab, ” Barbieri hais. Tab sis nws kuj qhia kom koj tham nrog ib tus tswv tsev hauv zos kom pom tias qhov kev sib txuas yuav tau txais li cas.
Qhov ntawd yuav muab sijhawm rau koj los ua kom tiav cov txheej txheem muag koj lub tsev, thiab tom qab ntawd siv cov nyiaj ntawd los yuav lub tsev npau suav ntawd.
Tab sis raws li kuv tsis lees paub thaum pib ntawm kuv cov lus teb, tsis txhob ua impulsively. Nco ntsoov txog koj qhov kev txav mus los, thiab yog tias koj tsis paub meej 100%, xyuas kom koj muaj lub tswv yim tawm. Kev xauj ua ntej yuav yog txoj hauv kev zoo tshaj plaws los kuaj qhov ntawd.
Los ntawm email koj cov lus nug, koj pom zoo kom lawv luam tawm tsis qhia npe ntawm MarketWatch. Los ntawm kev xa koj zaj dab neeg rau Dow Jones & Company, tus tshaj tawm ntawm MarketWatch, koj nkag siab thiab pom zoo tias peb tuaj yeem siv koj zaj dab neeg, lossis cov qauv ntawm nws, hauv txhua qhov kev tshaj tawm thiab cov platforms, suav nrog los ntawm cov neeg thib peb..
Source: https://www.marketwatch.com/story/i-want-to-buy-a-house-for-under-300-000-but-i-only-earn-60-000-should-i-cash-out-my-brokerage-account-how-do-i-know-the-best-time-to-sell-my-current-home-11665673749?siteid=yhoof2&yptr=yahoo