Zvamusingazivi Nezvekugadzirisa Imba Inogona Kukukuvadza Iwe Nemhuri Yako
Mupfungwa dzangu, dzidzo inokosha nokuti inotora nzira yakaoma yekugadzirisa matenga uye inoiputsa ichiita zviduku uye zviri nyore kunzwisisa zvikamu.
Kana ukangonzwisisa chikamu chimwe chete, unogona kuenda kune chinotevera uye chinotevera kusvikira kamwe-kamwe zvinhu zvose zvinenge zvakajeka. Iwe zvino uchazoona kuti kugadziridza nzvimbo hakusi kungoisa zvinyorwa zvepamutemo zvinoparadzirwa kunze kwekombiyuta - pane kudaro, ndezvekuita zvisarudzo zvakajeka zvinotungamirira pakusikwa kwemagwaro matsvene anoisa zvaunoshuva, zvinangwa uye mirairo yekupedzisira mukunyorera, zvichiguma mune chimwe chinhu chinonyanya kukosha kugadziriswa kwemaguta chiri chaicho chose-kuumba rugare rwepfungwa kwauri iwe nevadiwa vako.
Kana iwe wakanga uine mukana wekushanda pamwe nemupepeti wemagadzirirwo emagariro anotenda mukudzidzisa vatengi pamusoro pehutongwa hwekugadzirisa nzvimbo - nhamo, kubva pane zvandakaona, ivo vari kure uye vashomanana pakati - ipapo iwe uchatotanga kunyatsonzwisisa pfungwa dzinokurukurwa pasi apa. Kana zvisina kudaro, verengai pakutora chikamu chekuputsira mune zvekugara.
7 Zvinonyanya kukosha zvekugara kweimba
Chinokosha chekunzwisisa chirongwa chemugove ndechokunzwisisa mhinduro dzemibvunzo minomwe inotevera:
- Ndeipi chinangwa cherongwa hwezvigadzirwa? Kuronga zvekugara hakusi kungoronga izvo zvinoitika kune yako pfuma mushure mokufa, zvakare ndezvekugadzirira izvo zvinoitika kwauri iwe neimba yako kana iwe uine pfungwa dzisina kukwana. Nguva zhinji chirongwa chekuremara kwepfungwa hachikwanisi kukurukurwa kana kungobatwa chete panguva yekugadzirisa nzvimbo. Iko kukanganisa sezvo zvinyorwa zvinoratidza kuti apo vanhu vari kurarama kwenguva refu, havasi ivo vanorarama hutano hwakanaka. Kunze kweizvi, njodzi dzinogona kuitika panguva ipi zvayo inogona kuita kuti iwe usakwanisa kuita zvisarudzo zvega uye zvemari. Nokudaro, hurongwa hwehupfumi hwako hunofanira kutarisa zvose kuronga kusakwanisa uye kuronga kwekufa.
- Ndeapi mitero inokanganisa imba? Kune mhando ina yemitero inogona kukanganisa nzvimbo yako: imisoro yemitero (kusanganisira state estate tax ), zvipo zvechipo , chizvarwa chinokwidza kutengesa mitero , uye mitero yemari. Kunzwisisa kana uye mitero iyi ichakanganisa sei nzvimbo yako, uye, nokudaro, nhaka inogamuchirwa nevatsigiri vako, chikamu chinokosha chegadziriro yekugara.
- Ndeipi nzvimbo yako yakanyorwa? Ichi chirevo chisina kujeka - kuti nzvimbo yako inodanwa sei icharaira kuti ndiani achagara nhaka yako mushure mekufa - asi masikati nemasikati kunze kwevatongi vemarongerwo emaguta vanosangana nevanhu vasingazivi kuti zvese zveimba yavo inodanwa sei. Iro mune mazita akabatana nekodzero yokupona , vashandi pamwe chete , vashandi vari pamwe chete , kana kuti mune chivimbiso chekugara chisingaiti? Kana kuti, kune mamwe marudzi ezvimwe zvinhu, ndiani akanzi zita rokutanga uye wechipiri vanobhadhara? Kunzwisisa uyo ane zvaanonyanya kukosha pakuronga zvinhu zvakanaka kubva kune uyo ane zvaanoita iye zvino zvinotungamirira kune uyo achagara nhaka iyo mushure mekufa. Somuenzaniso, kana iwe uchizosiya zvinhu zvose zvakaenzana nehama yako nehanzvadzi asi zvinhu zvako zvose zvinonzi mazita akabatana nekodzero yekupona pamwe nehanzvadzi yako, ipapo nzvimbo yako yese ichaenda kunehanzvadzi yako mushure mekufa uye hapana chaicho chichaenda kuhama yako. Zvino chii chaiva chinangwa chekuda kwenyu?
- Chii chinorambidza hupenyu hwekutenda uye unoda imwe here? Chimwe chirevo chepamutemo chekuchengetedza mararamiro ezvinyorwa zvepamutemo zvinosanganisira zvikamu zvitatu zvehupenyu hwako - chii chinoitika kwauri uye iwe pfuma yako apo uri mupenyu uye zvakanaka, kana iwe uine pfungwa dzisina simba uye shure kwekufa kwako. Chimwe chezvikonzero chikuru zvinoita kuti vanhu vashandise mararamiro ehupenyu husinganzwisisiki sechikamu chehurongwa hwavo hwekugara ndechokuti varege kuongorora , asi zvakare icho chine simba rekuchengetedza purogiramu yenyu yemhuri nyaya yega yega . Uye nekuda kwekugadziriswa kwenzvimbo hakuna humwe huwandu hunoenderana nezvose, pachava nezvinhu zvakawanda zvinoda kubvunzwa usati wasarudza kana hupenyu husingatenderwi hwekutenda hwakakunakira iwe.
- Ndezvipi zvingasarudzwa zvekubhadhara vatsigiri vako nhaka yavo? Kana uchinge waisa chirongwa munzvimbo yekuchengetera iwe neimba yako kana iwe uine pfungwa dzisingakwanisi, iwe unogona kutarisa kuti ndiani achagara nhaka yako uye kuti vachazogara nhaka sei mushure mokufa kwenyu. Kune nzira dzakawanda dzakasiyana-siyana dzamunogona kusiya mari yako kune avo vanobatsirwa - zvakananga mune rimwe chiyero, muzvikamu kana zvikamu, muhupenyu hunoziva huripo, uye zvose zviri pakati. Zvakakoshawo kunzwisisa mutsauko pakati pekupa vatsigiri vaduku kuenzanisa nekupa vatsigiri vakura . Kunze kweizvi, unogona kuisa zvidzitiro kuimba yako uye kugadzirisa kuti nzvimbo yako inogona kushandiswa sei.
- Ndeapi magwaro anokosha ekugadzirisa masimba? Izvo zvivako zveurongwa hwehupfumi hunosanganisira Chido chekupedzisira neTestamende , Mazano Okurapa Utano , Kuda Kuda, uye Simba reAkatori . Kunze kwezvinyorwa izvi, sezvataurwa pamusoro apa, vamwe vanhu vanogona kubatsirwa nekusanganisira Revocable Living Trust sechikamu cheurongwa hwavo hwemigwagwa.
- Iwe unofanira kuongorora kangani hurongwa hwako hwepfuma? Kana uchinge wava neurongwa hwemuzinda wako, haugoni kungoisungirira muvharo uye unokanganwa nezvayo. Zuva nemasikati izvo zvinhu zvichaitika zvichaitika purogiramu yako - iwe unogona kuroora kana kurambana, uve nevana kana vazukuru, kurasikirwa nemunhu waunoda, kuenda kune imwe nyika, kana kutenga kana kutengesa bhizinesi. Kunze kweizvi, mitemo yehurumende uye yehurumende iri kuchinja nguva yose. Zvose izvi, uye nezvimwe zvakawanda, zvichachinja hurongwa hwako, saka iwe unofanirwa kuongorora urongwa hwako nguva dzose kuti uone kuti hunosangana nechinangwa chako chekugadzirisa nzvimbo.