Kuwana Mari yekufambisa yeVIV, IUI, uye Zvimwe Zvirwere Zvokurapa
Kana uchinge wapfuura zvinodhaka zvakaderera zvinorapwa (kufanana neClomid ), mari yekurapa inomuka uye inowedzera nokukurumidza. Muvhareji wekubereka kliniki murwere anoshandisa $ 5,000 pamadhora emari, kunze kwevaya vachishandisa mishonga (inodarika madhora 900) nezvimwewo kune avo vanoshandisa IVF (anenge madhora 20 000). Kana iwe uchida mazai evha kana kuti kudira , zvinodhura zvakanyanya.
Vanhu vashomanana vane rudzi rwakadaro rwemari rakarara pasi. Saka iwe unogona sei kurapa? Pane nzira dzakasiyana-siyana dzekuvhara mari yekurapa mari, uye imwe yenzira iyo iri kukwereta mari.
Kusarudza kubhadhara mari yekubhadhara kurapwa kwekuberekwa hakufaniri kuva nekukurumidza kana kusingagadziriswa kusarudzwa. Neine manzwiro ose akabatanidzwa pakubata pamuviri, zviri nyore kuita zvisarudzo zvakaipa zvenguva refu yemari.
Nezvo zvakati, apa pane dzimwe nzira dzaungakwereta mari yaunoda.
Borrowing from Family
Kukwereta kubva kumhuri kunogona kuva ndiyo nzira yakanakisisa kana kusarudzwa kwakaipisisa. Izvo zvinoenderana nehukama hwako nehupenyu hwekudzikinura, uye kukwanisa kwako kuvabhadhara zvakare munyaya yakakodzera.
Kune rumwe rutivi, kana iwe uchida kukanganisa kubhadhara kana kunonoka kuvabhadhara zvakare, haungarasikirwi neimba yako kana kuparadza chikwereti chako. Kune rumwe rutivi, kukakavara kubva pakwereta mari kunogona kutungamirira mukukakavara uye kunyange kutsamwa. Mumamiriro ezvinhu akaipisisa, inogona kukutengesa ukama.
Kana iwe uine ukama hwakanaka nemhuri yako, uye kana vane mari yekukweretesa, uye kana iwe uchifunga kuti hukama hwako hunoita chero hunoita hunoita hurumende, zvino ndiyo imwe nzira yekufunga.
Iwe unogona kutarisa Kukwereta Karma, iyo iri webhusaiti inobatsira kutora chikwereti pakati pehama neshamwari:
- Kukwereta Karma
Kuchengetedza Imba-Equity Chikwereti
Kana iwe uri neimba yako, unogona kutora kubhadhara chikwereti chekuwana chikwereti. Vanhu vanovatora kuti vagadzirise uye kuroorwa, saka sei usina kutora imwe kunze kwekuita kurapa?
Zvimwe zvikomborero ndezvekuti vane maApris ari pasi, uye iwe unogona kukwanisa kuderedzwa mutero pane mari yekufarira. Uyezve, kana une chikwereti chakaipa, iwe unogona kunge wakakodzera.
Dambudziko guru nderokuti kana iwe uine mhosva pamitero, unogona kurasikirwa neimba yako. Uyezve, kana iwe uchida kutengesa imba yako usati wabhadhara chikwereti kumashure, unogona kuguma uchikwereta mari yebhangi mari.
Kushandisa Makadhi Makadhi
Kubhadhara nezvikwereti zvemakadhi kazhinji zvinotangira zvirwere zvekushaya rubatsiro. Izvo zviduku zviduku zvinowedzera, uye munguva yekutanga, ungangodaro unoda mazana mashoma madhora apa neapo, iwe ungave uchitarisa kukwereta zviuru.
Kana zvichikwanisika, bhadhara izvo zvaunazvo pamakadhi ako ekwereti usati wanyanya kuwedzera chikwereti. Kubhadhara makadhi acho, kunyanya nokukurumidza, kunowedzera kukoshesa kwako chikwereti, izvo zvinogona kuwedzera miganhu yako yekukwereta yemangwana.
Kunyange mune dzimwe nguva mishonga inoda kuitika nokukurumidza kupfuura gare gare, haisi nguva dzose. Bvunza chiremba wako usati wasarudza kuti hauna nguva yekubhadhara chikwereti chako chazvino.
Kana iwe une chikwereti chakanaka chekwereti, unogona kukwanisa kugadzirisa nekadhi yako yemakadhi. Vadana navo uye mubvunze. Vangakwanisa kukupa APR yakadzika kwenguva yakati, kana kuwedzera chikwereti chako.
Ingova nechokwadi chokuti iwe unogona kukwanisa kubhadhara chikwereti kumashure! Tarisa kuti zvipi zvako zvaunenge uchibhadhara pamwedzi mushure mekuda kufungidzirwa, usati washambadzira makadhi ako kuti ubhadhara IVF.
Kuchengetedza Muripo Wenyu
Zvimwe zvisingazivikanwi sezvikwereti zvisina kuchengetedzwa kana chikwereti chinosungirirwa, chikwereti chako chinopiwa kunze kwekubatanidza chero chinhu chipi zvacho, seimba yako kana motokari. Chigadziro chega chebhangi chaunofanirwa kuvabhadhara ndechokuti "saini yako."
Mabhandi nemakambani emakwereti anopa zvikwereti zvemunhu. Kusiyana nemakadhi echikwereti (ayo ari rudzi rwekubhadhara chikwereti), kusachengeteka kwebhengi kubhadhara kunoshanda nekukupa mari yemari, iyo yaunodzorera nayo kwenguva.
Kana uine chikwereti chakanaka, iwe unogona kuwana chikwata chakanaka chekufarira, asi kunyange kana iwe uine chikwereti chakaipa, usafunga kuti haugone kuwana chikwereti chako. Izvo zvido zvekuda, kunyange zvakadaro, zvingave zvakakwirira.
Kubvisa Chirwere Chirapa
Imari yekurapa ndeyekwereti yemari yechikwereti inonyatsotengeswa nezvekutarisira kwehutano. Mamwe makadhi okukweretesa ezvokurapa anogona kungoshandiswa chete kune vanotora zvikamu, asi vamwe vashoma kudzivirira. Zvinopiwa nokuda kwezvimwe zvidikanwi zvezvokurapa, kubva pakuvhiyiwa kwekunakidza kusvika kumabasa emazino. Mimwe inogona kushandiswa kubhadhara kurapa kwekubereka.
Kwete mvumo yese yezvechiremba inogona kushandiswa mukurapa kwekubereka, saka kana iwe ukaona mukana wekukwereta, iva nechokwadi chokuti usapedza nguva yako kuzadza mafomu ehomwe yavasingazopi.
Imari yekurapa inogona kuva yakakosha. Kune imwe, vazhinji vanopa 0% mubereko wekuda kwekanguva. Imwe nzira inobatsira ndeyokuti vanogona kungoshandiswa kubhadhara kurapwa, iwe unogona kunge usingadi kuedzwa kushandisa mari yacho kune dzimwe mari (iyo inogona kugadzirisa kungoita chikwereti chakawanda sei, chakanaka.)
Zvisinei, verenga kuverenga kwakanaka pane zvikwereti! Iwe unotongerwa chirango chekubhadhara chikwereti pakutanga here? Chii chinoitika kana iwe wakanonoka kubhadhara? Chii chinoitika kana iwe ukatora nguva yakareba kuti udzorere chikwereti kupfuura nguva yaunenge uine chikwata chepasi kana zero?
Mune zviitiko zvakawanda, kana iwe wakanonoka kubhadhara kana kutora nguva yakareba kudarika nharaunda yeruchivo inopiwa, iwe unofanirwa kubhadhara chikwereti chakanaka-kwete kwete chaicho chaunenge uchine chikwereti, asiwo pane zvawakatove wakabhadhara . Uye mari inofarira inogona kuva yakakwirira zvikuru, yakakwirira kudarika pane imwe kadhi rechikwereti.
Heino runyararo rwemakambani anopa zvikwereti zvemari:
Cherechedza: chinyorwa pano hachisi kuvimbiswa. Mitsara yechikwereti inogona kuvharirwa nemupi wehutano wehutano uye nzvimbo. Ndapota tsvakurudzai mashoko emari ipi neipi musati matyoresa, uye sezvainogara, chenjererai kuti iwe wagovana sei nezvemari yako.
- MedicalFinancing.com
- Prosper Healthcare
- CareCredit
- Lending Club: Patient Solutions
- AccessOne
- Citi Health Card
Kunewo makambani achaenzanisa nekusiyanisa zvikwereti zvakasiyana-siyana zvemari kwako, kazhinji pamubhadharo:
- eMedical Financing Solutions
Kuwana Clinic Clinic kana Fertility Consultancy Based Loan
Kukura mukuzivikanwa kune zvikwereti zvezvechiremba zvinonyatsoita kuti varwere vabereke. Ingave inoratidzirwa nekliniki yekuberekera kana kuti kubereka kubereka.
Vanongova zvikwereti zvehutano-makadhi emakwere zvakanyanya kunyanya kurapwa, munyaya iyi, kurapa kubereka. Vane zvinhu zvakafanana uye zvakashata, kusanganisira zvinokwanisika kushamwaridzana kwechirwere chechirango chekushaya chikwereti kana kusabhadhara chikwereti pakarepo.
Kana kliniki yenyu inopa "chirongwa chokubhadhara," itai kuti munoziva zvauri kunyora. Iro chirongwa chekubhadhara-nekubhadhara kwemishonga inoparadzaniswa kuva nhamba yakatarwa yekubhadhara kwemwedzi-pakati pako nekliniki here? Kana chaizvoizvo, kadhi rechikwereti kana chikwereti, rakaputswa kana kurudzirwa nekliniki?
Mari yechikwereti inobereka inopiwa nekliniki yako ingave isiri iyo yakanakisisa inoshandiswa. Mumwe mupi wehutengi wemuzvikwereti wehutano angakupa chibvumirano chiri nani, kana iwe unogona kuwana mari iri nani uchishandisa makadhi ako kadhi.
Ngwarira kuti chiremba wako, kliniki, kana mubhizimisi anogona kukubhadhara mari nemubhadharo wekubhadhara mari imwe neimwe. Izvi hazvisi nguva dzose, asi zvinokosha kuziva.
Nokuti chiremba wako anoti iyi ndiyo "chikwereti chakanakisisa" chaunogona kuwana, kana ichi "kambani huru yaunofanira kuvimba" haireve kuti iri . Vangave vachisarura.
Heino imwe yemakambani makuru ekubhadhara mari:
Cherechedza: Sezvazvakanyorwa pamusoro apa, pakanyorwa apa haisi kuvimbiswa. Ndapota tsvakurudzai mashoko emari ipi neipi musati matyoresa, uye sezvainogara, chenjererai kuti iwe wagovana sei nezvemari yako.
- CapexMD Fertility Financing
Borrowing from a Retirement Fund
Kukwereta kubva kune 401K, IRA, kana imwe mari yekubvisa mari inogona kuitika kuburikidza neicho chinonzi "kushungurudza kunetseka" kana "chikwereti chisingatarisirwi" chikwereti.
Kunyangwe izvi zvichibvira kana pfungwa yakanaka ichaenderana neurongwa hwenyu, basa renyu rekuchengeteka, basa renyu rokuripa, uye kana iwe uchida kuzivisa kumushandi wako kuberekwa kwako. (Unogona kudikanwa kuratidza kuti unoshaiwa, izvo zvingada kugovera zvikwereti zvemishonga neHR.)
Pane zvakawanda zvingaita kuti uwane chikwereti kubva pamari yako yekubvisa mari, kusanganisira kugunun'una nemari inodhura yakawanda, uchida kubhadhara mitero kune yakakweretwa mari, uye, kana ukarasa basa rako usati wabhadhara chikwereti, uchida kudzorera chikwereti kumushandi wako mukati memazuva 60.
Mune zvimwe zviitiko, unogona kukwereta mari pasina kubhadhara mari kana zvikwereti. Taura nemudzidzisi wezvehupfumi ane ruzivo usati watora chero upi zvake wekubhadhara mari, sezvo kufamba nemitemo inzvimbo inonyengera.
Chimwe chinhu chinonyanya kukosha kuti uzive: kunyange mumamiriro ezvinhu apo mari yekuripira inodzingwa, mari yako inogona kuitika mugore irorochete iwe unokwereta mari. Saka, kana ukwereta mari muna 2017 kuti ubhadhara chikwereti chekwereti chikwereti chakawanikwa kubva pakuberekwa kwekuberekwa muna 2016, iwe ungaguma wapera chirwere, zvose nokuti chirwere chekurapa hachina kuitika mugore rokubvisa.
Shoko kubva kuTwellwell
Kuita zvisarudzo zvemari kana ramangwana remhuri yako riri pamutsara haisi nyore. Unogona kunetseka, kutsamwa, kusuruvara, uye kunyange kutya apo iwe uchiedza kuunganidza mari yaunoda kuti uwane mukana wekuva nemwana.
Vamwe vangareva kuti haugoni kuisa mutengo wekuwana mwana, uye haufaniri kutendera mari kana chikwereti kukudzivisa kutsvaka kurapwa kwaunoda. Asi izvi zvinoderedza kukanganisa kwemari kunogona kuva neukama hwako, hupenyu hwako hwezuva nezuva, uye kunyange pane zvaunowana semubereki mutsva (kana iwe uchiva nemimba.)
Uyezve, kurapa kubereka haisi chivimbo. Iwe unogona kupedza makumi makumi ezviuru uye usingafambi nemwana.
Tora nguva yaunoda kusarudza kuti uchakwereta zvakadini, zvisinei iwe unogona kubhadhara chikwereti chero chipi zvacho panguva yakafanira, uye izvo zvaunosarudza ndezvipi kana iwe usingafungi. Hapana chakaipa nekukwereta mari yaunoda kuti uedze kuva nechecheche, asi hapana chakakanganisika nekusarudza kusakwereta mari uye kurarama pasina vana mushure mekushaya vana (kana kuti kwete kuwedzera kune mhuri yako.)
Kana iwe uchinetseka pakuita chisarudzo, kana kuti kukonzera kusawirirana muukama hwako , ona mutungamiri . Mumwe ane ruzivo nekusava nehanya ndiko kwakanakisisa, asi kana usingagoni kuwana munhu akadai, kungova nemumwe munhu waunotaura naye anogona kubatsira.
> Sources:
> Berkson, Mindy. "Ko Mari Yenyu Yekubhadhara Inogona Kubhadhara Utano HweWIV?" American Fertility Association. http://www.theafa.org/blog/can-your-retirement-account-fund-your-ivf-treatment/
> Sirivha-Greenberg, Jessica. "In Vitro a Fertile Niche yevanokweretesa." The Wall Street Journal. http://www.wsj.com/news/articles/SB10001424052970203960804577241270123249832
> Sirivha-Greenberg, Jessica. "Apo Daktari Wako Anoendesa Makadhi Makadhi." The Wall Street Journal. http://www.wsj.com/news/articles/SB10001424052702304584404576440352578239090
> Hastings Center (2013, December 9). Zvikwereti zvekutengesa zvekurapa zvinokonzera kukanganisa kwemitemo. SayenziDaily. http://www.sciencedaily.com /releases/2013/12/131209132516.htm
> Wu AK, Odisho AY, Washington SL 3rd, Katz PP, Smith JF. "Kunze kwe-Pocket Fertility Murairo Mushingi: Data kubva kune Multicenter Prospective Infertility Cohort." J Urol. 2013 Sep 7. pii: S0022-5347 (13) 05330-5. doi: 10.1016 / j.juro.2013.08.083. [Epub mberi kwekudhinda] http://www.jurology.com/article/S0022-5347(13)05330-5/abstract