Ikoko kunogona kuva nemutero wemari, mutero wematoro, nemimwe migumisiro.
Asi "zita roga" ndiro izwi guru pano. Mamiriro acho ezvinhu anogona kunge akasiyana apo bhangi yebhangi ibhuku rakabatanidzwa uye mumwe muridzi anofa.
Nhoroondo ye Joint Inoshanda Sei?
Nekambani yakabatana yebhangi , mumwe kana vanhu vakawanda vane ruzivo rwakakwana kumari yose irimo, zvisinei kuti ndiani anovhura account kana kuti ndiani anoita zvakawanda kana kuti zvose zvakachengetwa. Vanhu ava vanogona kuva nehukama, zvakadai semubereki nemwana mukuru, kana kuti vangava vakaroorana, asi havafaniri kuva. Iwe unogona kuzarura konti pamwe chete nemuvakidzani wako kana shamwari yako yepamusoro kana iwe uchida. Nhoroondo dzakabatana dzinowanzomiswa pakati pevabereki nevana vakuru nekuda kwekugadziriswa kwemigwagwa kana kuti mwana anokwanisa kubhadhara zviri nyore mitsara yemubereki kana mubereki asingakwanisi kuita.
Chinhu chinokosha chokufungisisa ndechokuti imi mose mune kuenzana kwekuwana mari, uye ezvo mumwe nomumwe wenyu ane chikwereti. Kana mukana wekambani yako akanzi anokweretesa chikwereti, zvinokwanisika kuti mukwereti aigona kubata iyo yose iyo, kunyange izvi zvichienderana nemumwe mutemo wehurumende.
Mashoko Akabatana Nekodzero Yokupona
Nhoroondo dzakawanda dzinowirirana dzinouya ne "kodzero yekupona," urongwa hunonzi "vashandi pamwe chete" mune dzimwe nyika.
Kana imwe yebhuku iine avo vanofa, muponesi anogona kutora huwandu hwehuwandu hwekambani chete nekuratidza chivigiro chekufa kwemuyo wepakufa kuchikwereti chezvemari iyo iyo inotarisirwa.
Nhoroondo dzese dzakawanda hazviiti chikamu kune zvakashata zve probate estate , izvo zvinoreva kuti mazwi ekambani anokwidziridza chido chekuda.
Anowanzogone kusiya mari iyoyo kune mumwe munhu.
Kana uri kufungidzira kuzarura kambani yekubatana kana kana iwe uine imwe chete, chengetedza nekambani yezvemari kuti uone kana inotakura kodzero dzekudzivirira. Iwe unogona kuisa zvinyorwa zvinowedzera kuti uratidze kuti ndizvo zvaunoda. Asi chero bedzi inotakura kodzero idzi, muridzi anoramba aripo aizoramba achiwana mari yakazara mari kunyange kana muridzi wekodhi wekutarisa kuongorora yakafa.
Mutsva Yemutero Migumisiro yeHuramiro Aunti Yo Joint
Ikoko kunogona kuva nemitero nemimwe migumisiro yekuwana nhaka yekodhi apo muridzi wemuridzi wako afa.
Paunotora uchangamire wega ega, iwe uchava nemhosva yakakwana yekubhadhara chero mutero unouya nokuda kwekuwana mari yakawanikwa neakazotevera mushure mekufa. Izvi zvinogona kuregererwa nekodha rekuchengetedza kwekombiyuta, asi nezvimwe zvakawanda nemari yakabhadhara mari inoshandiswa.
Chero mari ipi inowanikwa nekambani yakabatana iwe usati wambotora uga wega ingadai ichitaurirwa nenzira imwecheteyo sezvairi yakashumwa usati watora nyaya yacho. Izvi zvinoreva kuti kana muridzi akafa ari kupa 100 muzana yemari yekuwana mari asati afa uye kana zvimwe zvake zvisiri izvo zvisiri pasi pekufungidzira, mari yawakagamuchira usati wambotora pfuma chete ingadai yakashumirwa pamusana pokutora mari yake yekupedzisira .
Kana imwe imwe yeimba yake ichigadziriswa kana kana yakasiya chivimbo chekurarama, ungada kushanda pamwe nemutevereri weimba yake kana mutongi .
Kana iwe nemufi wakafa makaparadzanisa mutero wemutero, mari yawakagamuchira usati watora uwandu wega uga inenge ichitaurirwa zvakaenzana pamutero wako wekubhadhara uye pamubhadhari wemari yekupedzisira yemutero wokudzoka.
Imitengo Imitengo yeZvakatari Inhoroondo ye Joint
Kunyange zvazvo nhoroondo yacho isingazovi nemhosva kana kuti ive chikamu chezvakanaka zveimba ye probate, iyo nhoroondo yaizoita kuti inotengesa mari yake. Zvivako zvitsuwa uye mitero inotengesa zvinhu zviviri zvakasiyana chaizvo.
Zvose zvakakosha pamusika wekutengeserana kana zuva-re-kufa mari yekubatanidzwa kwekambani yaizobatanidzwa mukukosha kwemufumi wemufi weimba yekutengesa mutengo kana mutengi wekugoverana asiri mudzimai anoramba aripo.
Asi 50 muzana chete yemari yakakosha yemari kana zuva-re-rufu ruregerero raizobatanidzwa mukukosha kwemufumi wemufi kana muridzi wekugovana ari iye ari mupenyu.
Zvakare, kana pane probate estate, iwe unoda kutaurirana nemutongi. Sezvimwe nyaya inobatsira, zvakadaro, zvivako zvakakura zvikuru zvinowanikwa pasi pemitero yehurumende pahurumende yepamusoro-avo vane tsika dzinodarika $ 11.2 mamiriyoni kubva muna 2018. Izvi zvinomiririra nhamba shomanana yezvivako, saka hazvigone kuti iwe unofunganya pamusoro paani anokwereta mutero wekutengesa unobatanidza nhoroondo yakabatanidzwa nhaka.
Hurumende inoshandiswa mutero mitsva inogona kunge isina zvishoma, zvisinei, uye inopesana nehurumende, saka iwe unoda kutarisana nemutero wemunharaunda kana wezvigadziro zvemaguta kuti uone kuti iwe umirepo.
Nhaka DzeMitero Migumisiro yeHuramiro Aunti Yo Joint
Imwe mitero inotengesa muzana inotengeswa pamutengo we decedent's general estate, inowanzobhadharwa neimba. Nhaka yemutero inotorwa chete pamusoro pechipo chairo kana kuti kukumbira, uye inobhadharwa nemunhu anogamuchira pfuma, kwete nzvimbo.
Nhau dzakanaka ndeyokuti hapana nhaka yemutero kune feraleral saka izvi hazvifaniri kuva nehanya nazvo. Uye mitanhatu chete inotaura kuti inotora mutero wenhaka kubva muna 2017. Mitemo yehurumende iyo muridzi webhuku iyo yakafa inogona kuudza kana iwe uchizofanira kubhadhara mutero wenhaka pane iyo account. Mutero wekutengesa unowanzoenderana nekushanda kwako kwakabatana sei nechirevo. Vakaroorana vanowanzogara vasina mutero. Shamwari yepedyo inobhadhara chikamu chiduku, saka iwe unenge uchingokwereta zvishoma kana muridzi wekambani uyu aiva mubereki wako. Vatsigiri vasingabatanidzi vanobhadhara mitero yakakwirira.
Iwe Unofanirwa Kubhadhara Chero Ndeupi WeMitemo Yekupedzisira Yomuridzi?
Mhinduro yemubvunzo uyu ndeyekuti kwete. Iyo yakagadziriswa probate estate inobhadhara kubhadhara mabhiriro ekupedzisira nematokari. Nhoroondo ine kodzero yekupona inowedzera nzvimbo ye probate uye inofambisa zvakananga kune uyo anorarama mubhengi, kuitira kuti mari isambotongowanikwa kune iyo nzvimbo yekubhadhara mari yakagadzirirwa yekupedzisira yemari uye mari.
Chino bedzi ndechokuti iyo muridzi wemugoti wekodha yakaitika zvakare kubatanidza pane imwe kana zvimwe zvezvikwereti izvi. Muchiitiko ichi, mutemo wevatengi unotora mutemo weimba. Iwe unenge uine mhosva yekubhadhara chikwereti ichocho nokuti wakabvumirana kuita izvozvo apo iwe nevakasununguka vakavatora. Izvo zvaizova zvakadaro dai muridzi wemuridzi wako akararama asi akangomira kubhadhara pane iyo nhoroondo. Mhosva yezvikwereti zvingangoerekana zvachinja kwauri.