USA Ram Riantuannak ah Phaisa Khawnnak Thabikmi Lam (5)

America ram ah hin rian hrang kan tuan hna i, hmuhmi phaisa hna cu thla a dih bak in, inn man le bills pawl ah a dih chom lengmang ko. Phaisa khawn khawhnak ding zong cu a biapi hringhran ve caah, phaisa khawn khawhnak dingmi thil (5) in ka rak langhter. Phaisa nihin ah $20 hei ngei law, hmai lei kum 20 ah mah fangkul cu a man a zor cang lai ti a si.

(1). 401(K) tam khawh chung in i khawn: 401K hi USA ram ah  phaisa khawnnak lam tha bikmi thil pakhat a si. Na rian tuannak nih 401K an pek ko a si ah cun, lak lo in um hrim hlah. Na lak lo ah cun a sung tuk hringhran. Percentage zong a san khawh chung san dingin chiah ah hin a sung lai lo. Nai chir lai lo. Kum 5-6 rian na tuan hnu ah Thong 10nak tam tal cu a nin khawn piak lai. Zei thei lo tein phaisa na rak i khawn ziar tinak a si.




(2). Stock i cawk cia cang. US ram ah Stock cawk awk a tha mi company hna ah rian a tuan mi nih cun Stock hi cawk ah a hlawk i, a si khawh ah cun, Stock hi zuar lengmang lo in, Stock zong hi i khawn chin lengmang ah hin a miak. Cheukhat stock belte cu kumkhat ah vui khat tal zuar a herh ve. Riantuannak nih a pek lo hmanh ah a leng ah Stock i cawk awk theih ah cun i cawk ding a si.

(3). Live Insurance i cawk: Na tar tik ah phaisa cawi awk a tha mi le na thih hnu ah na fa le caah ro thil na chiah ta khawh dingmi cu Life Insurance hi as i. Life insurance i cawk tik zong ah Whole Life timi cawk i, thih hlan ah phaisa i cawi awk thami policy te i cawk ah cun phaisa khawnnak thiltha pakhat a si ve. Life Insurance hi US ah riantuan mi pakhat si ahcun ngeih lo awk a tha lomi thil a si. Nai cawk riih lo ah cun, Life Insurance agent pakhat khat kawl zawk law vaa cawk. A si lo le, na mawtaw insurance na cawknak State Farm, Progressive, All State tbtk ah Life zong vai cawk chih.

(4). Credit Card Leiba tamtuk nei hlah: US ah khuasak ah cun Credit ngeih a herh hrim. Credit a um lo ah cun thil tampi tuah awk a tha tawn lo. A si nain, Credit card leiba tamtuk he khuasak hi, khua sak thiam lomi phun khat a si. Kumkhat ah vuikhat tal i, credit Leiba hna tampi cham khawh i zuam ding a si. Credit card ngeih ciami thah than hi a tha tuk lo. A si nain credit card (5) hrawng a ngei mi nih cun (3) hrawng hi cu thah i credit 2 hrawng lawng hi a za mi a si. Credit leiba tlawmter ding caah hin ‘Consolidate’ tuah zong hi a biapi ngai. Consolidate tuah timi cu ‘Credit leiba vialte kha fonh dih i Bank pakhat khat kha chamter, cu khawh cun bank tu kha thla chiar bill in pek ding kha a si.




(5). Na Pay Check chung in Tax Tamdeuh zuhter ko.  Rian na tuannak paycheck ah Tax an zuhmi cu a tam khawh chung in zuhter ko hna. Kumdih tik ah na hmuh than dih dingmi a si ko caah, Phaisa khawn ning phun khat a si ve ko. Nuva pa 2 riantuan mi a si ah cun, pakhat nih cun Tax examption timi number kha (0) bak in tuah ah a tha i, Tax an zuhmi cu a tam deuh ko lai. A si nain thlakhat ah $20 hrawng tam deuh Tax na pekmi kha kum dih tik ah refund na hmuh than ding a si ah cun tam deuh pi refund a kir than i mah cucu a hlawt deuh hringhran ko.

Adonghnak bik le a tha bik hi a number ah telh lo nain, mah hi thathnem ngaimi a si. Mah cu cu CD timi phaisa khawn ning a si. CD ti cu ‘Certified Deposit’ ti a si i, Kum 4, kum 7, kum 10, kum 20 tbtk caah phaisa khawn a si. Mah bantuk cu mah le umnak khua cio i Credit Union pawl nih an ngeih hna. Tah chunhnak ah USA Indianapolis khua ummi Indiana Members Credit Union nih kum 7 caah phaisa chiah ah cun a karh 3% tiang an pek. A karh hi kumkhat ca karh a si, $50,000 kha kum 7 chung ka chuah lai lo tiah chiah ah cun, Kum 7 hnu ah a karh he a yin he $60,500 asi hnga. Si lo le kumkhat ah vui khat a karh lak peng awk a tha. Cun, bank dang dang hna zong nih Deposit le Bond tbtk phaisa khawnnak phun phun an ngei cio hna i, USA ah hin a sang bik in a karh 5% hrawng tiang deuh an si. Mah hi zong hi Phasia khawnnak lam pakhat a si ve.