Mhinduro yakajeka ndeyekuti kadhi rechikwereti chikwereti chikwereti chekwereti-kwete chero ani zvake-kunyanya kana achikwereta mumwe nomumwe. Asi mamiriro ezvinhu chaiwo-hupenyu anonyanya kuoma.
Zvakare, vateresi vanogona kukonzera kuvhiringidzika uye kutya kana vaudza shamwari neshamwari kushandisa mari yavo pachavo kubhadhara chikwereti chemumwe munhu.
Your Estate Pays Nyika
Nzvimbo yako ndeyezvinhu zvose zvaunazvo paunofa, zvakadai semari mubhengi rebhangi, pfuma, nezvimwe zvinhu. Mushure mekufa, nzvimbo yako ichagadziriswa, zvinoreva kuti ani nani ane chikwereti ane kodzero yekubhadhara kubva kune yako, uye ipapo zvimwe zvasara zvichaendeswa kune vagari venhaka.
Vatengesi vane nguva shoma yekuunganidza pamatare. Mumiririri wako (kana mutongi) anofanira kuzivisa vane chikwereti chekupfuura kwako. Izvi zvinogona kuitika kuburikidza nechiziviso chakabudiswa uye kuburikidza nekukurukurirana kwakatumirwa zvakananga kuvakweretesi. Zvadaro, zvikwereti zvinogadziriswa kusvikira zvikwereti zvose zvagutsikana kana nzvimbo yako inopera nemari.
Kwete zvinhu zvakakwana? Kana nzvimbo yako isina mari yakakwana yekuvhara zvose zvekwereti yako, vanokweretesa vari kunze kwematambudziko. Somuenzaniso, kana iwe uine $ 10 000 mune chikwereti uye iwe pfuma chete ye $ 2,000 mubhangi, vako vakakwereta vachabvisa chikwereti chipi zvacho chisina kubhadhara uye vanotora kurasikirwa.
Imba inogona kutengeswa: Nzvimbo yako inosanganisira zvinhu zvakadai semusha wako, motokari, zvishongo, nezvimwe. Chero chipi nechipi chinoenda kunzvimbo yako chinowanikwa kugutsa vatengi vako. Usati waparidzira zvinhu kune vagari venhaka (kana uchitevera mirairo mukuda kana kutevera mutemo wenyika), mumiriri wako wega unofanirwa kuve nechokwadi chekuti zvikwereti zvose zvikwereti zvakagadziriswa.
Kana pasina mari yakakwana inowanika kubhadhara zvikwereti, iyo inogona kudiwa kutengesa chimwe chinhu kuti uwane mari.
Imba inofanirwa kutamba here? Zvinogona kuti imba inofanira kutengesa imba yekubhadhara zvikwereti zvekadhi yemakadhi uye mamwe madhora. Zvisinei, mutemo wenyika unotarisa zviito zvipi zvinowanikwa kune vane chikwereti. Muzviitiko zvizhinji, matare emunharaunda anotonga kana iyo inzvimbo inoda kutengesa imba kana kana zvikwangwani zvinogona kuiswa pamba.
Ko vagari venhaka vanobhadhara here? Nzvimbo yacho inobhadhara chikwereti pfuma isati yasvika kune vagari venhaka. Izvi zvinogona kuvhiringidza kana mumwe munhu anotarisira kugara nhaka yeasset-iyo yefa isati isati yashandura maoko, uye inogona kusamboenda kumunhu anogadziriswa kana ichida kutengeswa. Zvinosuruvarisa, kune vagari venhaka, zvinonzwa sokuti vari kubhadhara chikwereti, asi chaizvoizvo imba inotora.
Non-Probate Property
Imba chete muimba inowanikwa pakubhadhara chikwereti. Nhaka dzinogona, uye kazhinji dzinoita, dzinopfuurira kune vagari venhaka dzisingatongoratidzi kana kuve chikamu cheimba.
Hazviwanikwi kune vane chikwereti: Kana zvinhu zvikapfuura probate, hazvibvumirwi kushandiswa kubhadhara chikwereti. Vanhu vane chikwereti havakwanise kuenda shure kwezvinhu izvo zvinopinda zvakananga kune vagari venhaka, kunyange pane zvimwe zvisiri izvo.
Akagadziriswa mubhadharo: Mhando dzakasiyana dzedzimba dzine mukana anogadziriswa kana kuti mirayiridzo yakananga yekutarisa zvinhu mushure mekufa kwemugadzi webhuku.
Munhu anobatsirwa ndiye munhu kana sangano rakasarudzwa nemuridzi kuti agamuchire zvinhu paanofa. Semuenzaniso, mabhizimisi ekurega basa (kufanana neIRA kana 401k) uye inishuwarenzi yehupenyu inopa sarudzo yekushandisa vanoshandiswa. Nekodzero yakakodzera yekuwana, mari inogona kudarika zvakananga kumubatsiri pasina kuongorora. Izvo zvinowanikwa muzviwanikwa zvinopfuura kupfuura mirairo ipi neipi inoda (kuda hakubatsiri nokuti kuda kunongoshanda kune zvinhu izvo zvikamu zveimba, uye mazita ekubvumirwa anokubvumira kudarika nzvimbo yacho zvachose).
Kubatana kwekubatana: Imwe yenzira dzakajairika dzekuti zvinhu zvirege kudzivirirwa ndezvekubatana pamwe nekodzero dzekupona . Semuenzaniso, vaviri vanogona kuva nekambani sevashandi vanobatana. Apo mumwe wavo anofa, muridzi anoramba ari iye zvino anobva ava mumiririri mutsva wezana.
Kune humwe hutano uye hunoita nenzira iyi, saka chengorora zvose zvingasarudzwa neine gweta-usangozviita kuti urege kubhadhara chikwereti.
Zvimwe zvingasarudzwa: Pane dzimwe nzira dzakawanda dzekuchengetedza zvinhu kubva pakupedza probate (kusanganisira matariro nezvimwe zvirongwa). Taura newavo vemazano emunharaunda kuti vaone nezvezvaunogona kuita.
Kuroora uye Nharaunda
Mune zvimwe zviitiko, mudzimai anoramba aripo angave achifanira kubhadhara chikwereti chakaitwa nemumwe mukadzi wakafa-kunyange kana mudzimai wacho akagara asina kumbobvumirana nechibvumirano chezvikwereti kana kuti akaziva kuti chikwereti chaivapo. Munharaunda yenzvimbo inotaura , mari yekuroorana inobatanidza, uye izvi dzimwe nguva zvinogona kuoma. Community property inosanganisira Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, uye Wisconsin. Alaska vagari vomunharaunda vanogona kusarudza nzvimbo yekurapa zvinhu zvekugara.
Tarisa kune avo vemukati vemhosva kana iwe unotarisana nekubhadhara mabhiriro omumwe akafa. Kunyange mumunharaunda yenyika nzvimbo, pane mikana yekuve nematokari akadzimwa.
Akagoverwa Nhoroondo
Mune dzimwe nguva, hama neshamwari dzinodiwa kubhadhara chikwereti kune wakwereta uyo akafa. Izvi zvinowanzoitika apo vazhinji vakwereta vari pane imwe nhoroondo.
Nhoroondo dzinoenderana nhoroondo dzakasunungurwa nemunhu anopfuura chikwereti. Izvi zvinowanzoitika kune vakaroorana, asi zvinogona kuitika mune chero hukama (kusanganisira kushamwaridzana kwakabatana nebhizimisi). Muzviitiko zvizhinji, munhu mumwe nomumwe anenge akwereta ari 100 muzana anotarisira chikwereti pane kadhi rechikwereti. Hazvina mhosva kana usati wamboshandisa kadhi kana kana iwe ukagovana mari 50/50.
Kuburitsa kune chiito chechipo nekuti zvinokuvadza . Mumwe mubatsiri anoshanda kune chikwereti kune mumwe munhu, uye mubhadharo wakanaka wekodhi uye mari yakasimba anobatsira anenge akwereta kuti awane mvumo. Zvisinei, vashandi havaiti kubhadhara-zvose zvavanoita ndeyekuti vimbiso ichabhadharwa. Kana iwe ukatora uye uyo akakwereta afa, iwe unowanzodiwa kubhadhara chikwereti. Panogona kuva nemamwe mashoma (semuenzaniso, kufa kwechikwereti chemunhu chikwereti kunogona kukonzera kusunungurwa-kana zvimwe zvinetso), asi vashandi vanofanira kugara vachida uye vachikwanisa kubhadhara chikwereti.
Vashandi vanobvumirwa? Zvimwe vatsigiri vemakadhi havawanzodi kubhadhara chikwereti chekwereti chikwereti apo mukuru wekwereta anofa. Vanhu ava vakangobvumirwa kushandisa kadhi, asi havana chibvumirano chechibvumirano nekadhi kadhi rechikwereti. Somugumisiro, kadhi rechikwereti rechikwereti kazhinji haagoni kutora matanho emurairo kumunhu akagadziriswa kana kuparadza chikwereti chomunhu. Izvozvo zvakati, kana iwe uri mumiririri ane kodzero uye iwe uchida kutora kadhi (kana kuti nhamba yekadhi) mushure mekunge munhu mukuru wekubhadhara afa, iwe unogona kazhinji kuita saizvozvo. Iwe unoda kushanda nekadhi rakabudisa uye unogamuchirwa kubva pane iwe pachako chikoro chikoro uye mari yako.
Kudzvinyirira vatengesi chinhu chakasiyana nezvose zviri kumusoro. Somuenzaniso, kana zviri pachena kuti rufu rwava pedo uye wakafa haazove nemafambisi ekubhadhara zvikwereti, zvingave zvichiedza kuendesa kunotenga spree (kana kuti kuita mari inobviswa) semushandi akagamuchirwa. Kana matare echisarudzo kuti izvi zvakanga zvisina kunaka, mutengi akagadziriswa angave achida kubhadhara chikwereti.
Apo Vechikwereti Vanounganidza Kudana
Kutakura zvikwereti mushure mekufa kunogona kuvhiringidza. Mukuwedzera kune kushungurudzika mupfungwa uye mabasa asingagumi anoda kutarisirwa, une dambudziko rinosanganiswa yemitemo yekuunganidza chikwereti kurwisana nayo.
Vanounganidza vanogona kutora mhuri nemhuri neshamwari dzomunhu anenge afa, asi mitemo inosiyana kubva kune imwe nyika kuenda kune imwe nyika. Vatengesi haafaniri kutsausa chero munhu asingadi kubhadhara chikwereti. Mutemo unongobvumira rudzi urwu rwekubatanidza kuti vakweretesi vave nekutarisana nemunhu anobata munhu akafa (munhu anomiririra kana mutongi).
Usazununguka mukuunganidza zvese. Kumbira kuti kukurukurirana kwose kunyore kunyorwa, uye usapiwa kupa chero ruzivo rweunhu (kunyanya yako Social Social Number) kune vatokweretesi vatora. Kana vateresi vauya kumba kwako, unogona kuvakumbira kuti vamire .
Vanounganidza dzimwe nguva vanotsausa vadiwa, vachiita kuti vafunge kuti vanoda kubhadhara chikwereti. Vakawanda vane chikwereti vatengesi vakatendeseka, asi kune dzimwe maapuro akaipa kunze uko. Kana iwe hauna mhosva yekwereti, tumira vatengi nevatokwereti vatori vemunhu kumumiririri wekutarisira nzvimbo. Nevanoramba vachikohwa, kukumbira-mukunyorera-kuti varege kuonana newe.
Kana pfuma inopfuurira kwauri , iyo pfuma ingangodaro isiri yemutambo wevatengesi. Tichifunga kuti mumiririri wega uye masangano emari anotonga zvinhu zvakakodzera, nhaka yako inofanirwa kunge isingakwanisi kusvika kune vane chikwereti. Zvisinei, chengeta negweta kana usina chokwadi.
Wana rubatsiro rwepamutemo kana mumwe munhu akukumbira kubhadhara chikwereti chekwereti chikwereti kune mumwe munhu akafa. Vanounganidza vanowanzovhiringidzika uye vanoda kuunganidza chete. Dzimwe nguva vanove vasina kutendeseka. Usafunga kuti iwe unokanganisa nokuti mumwe munhu anoti iwe uri.
Mazano kune Vanokwereta
Kana iwe une kadhi rechikwereti chikwereti, kuchenjera kuronga mberi-iwe unogona kuita kuti zvinhu zvive nyore kune vose panguva yekufa kwako.
Kugadzirirwa kwembai inzira yekuronga rufu , uye iyo pfungwa yakanaka kune vose (vapfumi kana varombo). Panguva iyo, iwe uchavhara nyaya dzinokosha dzakadai sokuda kwako, mirayiridzo yezvehutano, zvido zvekupedzisira, nezvimwe. Zvinogonawo kuti uwedzere kuoma uye kushandisa zvigaro zvekutarisira zvinhu shure kwekunge wapfuura.
Inishuwarenzi yehupenyu inogona kubatsira kubhadhara chikwereti paunofa. Kunyanya kana mumwe munhu angave ane mhosva yekwereti yako, inshuwarisi yehupenyu inodzivirira vadiwa vako. Inogona kushandiswa kune chero chinangwa, kusanganisira kubhadhara chikwereti chekwereti chikwereti kana musha wemari ( iko kushandiswa kwekodzero yemari ).
Ita zvishoma mari yako usati wafa-zvinhu zvichava nyore nyore kune muurayi wako. Kana uine nyaya dzakawanda dzisina kushandiswa dzakasununguka, funga nezvekuvhara (asi chenjerera chero migumisiro kune chikwereti chako ). Mitero yakapararira yakapoteredza inogona kuiswa pamwe chete panzvimbo imwe , uye iwe unogona kunyange kuchengetedza mari kune chido.
Cherechedza vatsigiri vako uye vanobatana nenyaya dzebhuku. Apo pfuma inopfuurira kumunhu akapiwa rubatsiro, vanogona kudarika kuongorora uye havawanikwi kune vane chikwereti. Izvo zvinogona kubata zvechokwadi kune imwe nhoroondo pamwe nekodzero yekupona. Kunyange zvakadaro, kana iwe usina vana vanogona kurarama, zvinhu zvinogona kuenderera mberi kuenda kune imwe nzvimbo yako (chengeta nebasa rako rekuchengetedza rekuchengetedza uye inshuwarisi yehupenyu kuti uone kuti mitemo yavo ndei-inopesana kubva kune imwe kambani kuenda kune imwe kambani). Kana imwe nguva zvinhu zviri muimba yako, vangatofanira kuenda kunobhadhara chikwereti. Dzokororai mazita ako ekugadzirisa nguva nenguva kuti uone kuti ivo vachiri kunzwisisa.
Mazano evatongi
Kana iwe uri muurayi weimba (kana mumiririri wega kana mutungamiri, zvichienderana nemamiriro ezvinhu), zvakakosha kutora chikwereti chemunhu akwegura zvakanaka.
Tora zvidzidzo zvekufa zvekare. Iwe uchada kupa chiziviso kumasangano akawanda. Zvido zve "copy" yechirwere chekufa chichasiyana, asi zvakanakisisa kuva nemagwaro epamusoro kubva kuDhipatimendi reVital Statistics yako-kuwana zvakawanda kupfuura iwe unofunga kuti uchada.
Zivisai chikwereti kuti akakwereta apfuura. Tarisa kune avo vemukati vecheno kuti uone kuti iwe wakapa zveruzhinji zvakakwana (iwe ungasava nehanya nevose vanokweretesa, saka iwe uchada nzira yekuita kuti ruzivo ruve kunze kune vanokweretesa vasingazivikanwi). Kuzivisa vanokweretesawo kunodzivirirawo munhu kubvumira chikwereti muzita romunhu akafa.
Zivisai Social Security Administration yefawo zvakare. Izvi zvinogona kubatsira kudzivirira kusaziva uye mamwe matambudziko, uye zvinogona kubatsira kune vane chikwereti.
Wana gwaro rekwereti kune munhu akafa. Shandisa izvi kuti uone vateresi vangave vachida kuziviswa nerufu rwevakwereta. Kunyange kana uyo anenge akwereta ane zero rakakwana, zivisai vose vanogona kupa chikwereti-haudi kadhi rechikwereti (kana kuti nhamba yechikwereti) kunze uko kune mbavha.
Shanda nemweta kana iwe uine chokwadi. Mutengo waunobhadhara unogona kukubatsira kudzivisa kukanganisa kunodhura uye nguva.
Tora mufananidzo mukuru wemadhora ose evakafa. Kana iyo nzvimbo isina mari yakakwana yekubhadhara chikwereti chose ine chikwata, iwe unofanirwa kutarisa madhora-uchishandisa mutemo wehurumende semuongorori wekuraira urongwa. Chimirira kusvikira iwe uchiziva nezvezvinhu zvose usati watanga kubhadhara. Chikwereti chekwereti chikwereti kazhinji chiri pasi panyorwa (apo mitero, mari yekupedzisira, uye rubatsiro rwevana runotora zvakakosha).
Usaparadzi nhaka kune vagari venhaka kusvikira iwe zana muzana hunoziva kuti izvo zvikwereti zvinokodzera zvinokwereta zvakabhadharwa. Hapana anoda kuti vagari venhaka vamirire, asi zvakakosha kuwana zvose zvese zvakajeka. Sezvo muurayi, iwe hauna mhosva yekubhadhara chikwereti chevakafa kubva pamari yako pachako, asi iwe unogona kutongwa iwe pachako kana iwe ukakanganisa uye ukakundikana kubhadhara mvumo yakakodzera.
Mhando dzakasiyana dzechikwereti
Mhando yechikwereti chaunonyanya kukosha. Zvakare, pane chinhu chinokosha pane zvikwereti zvinokwererwa (uye sei), uye chikwereti chekwereti chikwereti chakanyanyisa pane zvakanyorwa.
Zvikwereti zvemari: Chikwereti chekwereti chikwereti chimiro chekubhadhara chikwereti chemunhu , uye mamwe akawanda zvikwereti zvinoshandiswa zvakafanana. Hapana chibvumirano chinotarisirwa kuchengetedza chikwereti , saka vanokweretesa vanofanira kutarisira kuti dzimba ichava nezvinhu zvakakwana zvekubhadhara chikwereti.
Zvikwereti zvevadzidzi: chikwereti chevadzidzi hachina kuchengeteka muzviitiko zvakawanda. Kunyange zvakadaro, zvikwereti izvi dzimwe nguva zvinobudiswa (kana kukanganwirwa) pakufa kweiye akakwereta. Kunyanya nehurumende yemari chikwereti, iyo inoshandiswa nevatengi- kupfuura yevashandi vezvikwereti, pane mukana wakanaka kuti chikwereti chinogona kuparadzwa. Vakweretesi vega vega vanogona kuisa mazano avo .
Mari yekukwereta kumusha: Paunotenga imba yakakwereta mari, chikwereti ichocho chinogadziriswa nechisungo chinopesana neimba . Chikwereti ichocho chinoda kubhadharwa, kana kuti mutengi anogona kutora iyo nzvimbo kuburikidza nekufananidzira , kutengesa, uye kutora zvavari kukwereta. Chechipiri mari yekubhadhara uye mari yekukweretesa kumusha inokusiya iwe munzvimbo yakafanana. Mutemo weBurumende unoita kuti zvive nyore kune dzimwe nhengo dzemhuri uye vagari venhaka kutora zvikwereti zvemusha uye kuchengetedza imba yemhuri, saka usatarisira kuti chikwereti chimbomira pakarepo.
Auto zvikwereti: Auto zvikwereti zvinowanikwawo zvikwereti uko motokari inobhadhara. Kana zvikwereti zvamira, anokwereta anogona kudzorera zvakare motokari . Zvisinei, vazhinji vatengi vanongoda kubhadharwa, uye havazogarizve kana mumwe munhu achitora mari.
Apo paine kusava nechokwadi
Wana rubatsiro kana iwe usina chokwadi chekubata mamiriro ezvinhu-hapana chakaipa nekuita saizvozvo. Akafa akasarudza iwe zvichienderana nekutonga kwako, uye iwe unogona kusarudza kuti rubatsiro rwezvemhizha runodiwa (uye vagari venhaka vachatofanira kutarisana nazvo). Kugadzirisa imwe nzvimbo mushure mekufa inzira yakaoma. Izvo zvinoshungurudzika zvekurasikirwa nemunhu waunoda zvinongowedzera zvakaoma. Rubatsiro rwezvenyanzvi kubva kumagweta eko uye vanyori vanogona kukutungamirira kuburikidza nekugadzirisa nekuita kuti zvinhu zvirege kuwedzera.