Chii Chichaitika Kana Iwe Wakafa Usati Waita Kuda uye Zvigadziro Zvokugara?
Chii chichaitika kune yako pfuma kana iwe usingaiti chido uye hurongwa hwehupfumi usati wafa?
Izvo zvose nyika dzine mvumo yepamutemo panzvimbo yekutsanangurira ndiani achagara nhaka yemunhu asingakwanisi kuita chiito chakanaka kuburikidza ne "nyika" ye " mitemo yehutano ."
Zvinorevei kuti wakafa "mukati?" Izvi zvinongoreva kuti munhu akafa asina kuita chisarudzo chekupedzisira chakakodzera . Kana izvi zviri izvo, mitemo yehutano yehurumende iyo munhu aigara uye yaive neimba chaiyo panguva yekufa kwavo ichasarudza kuti ndiani achagara nhaka yavo. Kunyange zvazvo humwe hurumende ine mitemo yakasiyana, vose vanotevedzera muenzaniso wakafanana - kutanga wako wako nevana vako vachagara nhaka yako; kana iwe usina mudzimai kana vana, saka vabereki vako vachagara nhaka yako; kana vabereki vako vakakutadzisa iwe ipapo hama dzako nehanzvadzi dzichagara nhaka yako; kana zvisingaiti, ipapo pfuma yako ichaenda kuvana vako nevanin'ina.
Zvinomiririra zvekuda nekuTestamende yekupedzisira
Chido chekupedzisira neTestamente kazhinji inoumbwa nezvikamu zvina:
- Chikamu chekutanga chinotaura nezvekuti mabhiriro ako ekupedzisira achabhadharwa sei ;
- Chikamu chechipiri chinotarisana nemari iyo mari yekugadzirisa nzvimbo yako uye chero ipi zvayo yemitero uye / kana kuti mitero yemhuri ichabhadharwa;
- Chikamu chechitatu chinotarisana naiye achange ari mutariri wekutarisira kugadziriswa kwepfuma yako ( Mumiririri weMunhu / Mutevedzeri ) uye masimba api achazove nawo, uye, kana une vana vaduku, ndiani achave ane basa rokurera vana ( Guardian / Conservator ); and
- Chikamu chechina chinotarisana naiye achawana muyero weimba yako, kuti vachawana sei, uye pavanenge vachiwana.
Chirongwa uye Nzira Yokudzivisa Icho: The Revocable Living Trust
Kunyange zvazvo Chido chekupedzisira neTestamende chikamu chinokosha cheurongwa hwehupfumi, pane imwe nzira yakakosha yekuita kuti zvinhu zvako zvose zvipfuure pasi pemitemo yekuda kwako: Imba inofanira kuenda kuburikidza nehuwandu vasati vadiwa vako vazokwanisa kuwana it. Nzira inogona kutora chero ipi zvayo kubva pamwedzi mitanhatu kusvikira kune mipfumbamwe kusvikira makore mazhinji, izvo zvinoreva kuti mhuri yako ichave yakagadzikana uye kazhinji nguva isingakwanisi kuwana zvinhu zvako kusvikira probate yapera.
Apa ndipo apo Revocable Living Trust inouya. Chii chinonzi Revocable Living Trust? Icho chibvumirano chepamutemo chepamutemo chinoratidza kuti nzvimbo yako ichagadziriswa sei iwe uri mupenyu uye shure kwekufa kwako. Chikamu chinotarisana nekuti nzvimbo yako ichagadziriswa sei iwe uchiri mupenyu ichava neurongwa hwako hwekuremara kwepfungwa, uye chikamu chinotarisana nekuti nzvimbo yako ichagadziriswa mushure mekufa kwako kuchava nemashoko chaiwo akange akanyorwa Chido chako chekupedzisira uye Testamende wakange wasarudza kusasarudza revocable Living Trust.
Kurasikirwa Kwokugara Kwechivimbo Kunodzivisa Sei Chiito?
Saka Revocable Living Trust inodzivisa sei probate?
Nokuti kana hupfumi hwako hwakabhadharwa muTrust munguva yehupenyu hwako, saka havazodi kuongororwa mushure mekufa kwako. Iwe unobhadhara mari yako sei mu trust? Pamabhengi ebhangi uye pfuma, zita rako richabviswa pane yefa uye zita rekutenda kwako richaiswa munzvimbo yaro. Nezvimwe zvinhu, zvakadai senishuwarenzi yehupenyu uye mabhizimusi ekurega mari , trust inotumidzwa kuti inobhadhara mari yacho. Kana kamwechete kuvimba kwakabhadharwa zvizere, hauchazovi nemari yako - iwe chivimbo chako, uye pfuma iyo iri neRevocable Living Trust haifaniri kuongororwa mushure mekufa kwako. Pane kudaro, nzvimbo yekuvimba inogona kupfuura nokukurumidza kune vadikani vako.