Vaduku seVabatsiri veZvipo Zvipo
Apo pfuma inenge yasara kune mumwe mudiki aibhadhara, zvakadai kuburikidza nehutano hwekugovana weimba kana yebhadharo-ye-rufu, iyo duku haichave nemvumo yepamutemo yekuitora.
Izvozvowo zvinotsigira zvizvarwa zvakagamuchirwa kuburikidza nevekupedzisira kuda uye nheyo kana kubva kumatunhu emumatunhu - akafa akafa pasina chido kana chido chake chekupedzisira uye chibvumirano, kana kuti chivimbo chekugara chakanyorwa zvakashata, saka mazwi ayo haana kukudzwa.
Muchiitiko ichi, mutemo wenyika unotarirwa kuti ndiani anofanirwa kugamuchira chirevo chemuzinda uye mune zviyero zvipi. Kazhinji, shamwari yake yepedyo ichagara nhaka yeimba. Nzvimbo yake ichaenda kune dzimwe hama dzake dziri kure kana iye asiya mumwe kana mudzimai kana vana.
Chii chinoitika kumuduku wevana muzviitiko izvi kunobva mumitemo yenyika umo mudiki ari kurarama uye kukosha kwekukodzera.
UTMA, UGMA uye 529 Accounts
Kana kukosha kwepfuma yakasara kumuduku hakusi kukosha, kazhinji $ 20,000 kana pasi, mutemo wehurumende unogona kubvumira munhu mukuru anofarira semubereki wechidiki kana kuti sekuru kana baba vake kuti akumbire kuti nhaka yevana vaduku igoiswa mune imwe nhoroondo yakagadzirirwa pasi pehurumende yeUniform Transfer to Minors Act kana Zvipo Zvimwe Unoform kune Minors Act .
Nhoroondo idzi dzinogona kuchengetedza mari yemwana kusvikira asvika muzera rehuwandu - 18 mumatunhu mazhinji, asi dzimwe nguva 21. Uyewo, vamwe vanobvumira munhu mukuru anofarira kuti akumbire kuti imba yacho inowanikwa munyaya ya 529 kuitira muduku. Uyu ndiwo urongwa hwekubhadhara mutero-hwakanaka hwekuchengetedza kwekoroji mari.
Mune dzimwe nheyo, mubereki anogona kuzvifungira pachedu kutarisira zviduku zvishoma, zvakadai sezvipo zve $ 5,000 kana zvishoma, nokuda kwevana vavo vaduku. Mubereki haafaniri kushandisa kero yakadaro.
Conservatorhips kwaVaduku seVabatsiri
Kana kukosha kwezvinhu zvakasara kumwana muduku zvisingagoni kuiswa muUTMA, UGMA kana kuti nhamba ye 529, kana kana mitemo yenyika umo vana vaduku vasiri kuronga mhando idzi dzekodha, dare rinotarisirwa kuchengetedzwa kwekuchengetedza rinofanira kusimbiswa kuti ribatsire vaduku.
Dare rakagadzwa somumiririri wega kana murairi weimba yacho achaisa chikumbiro chikumbiro chekukumbira kuti muchengeti anogadzwa panzvimbo yevaduku kuti agadzirise nhaka apo nzvimbo yekuongorora yakavhurwa. Kana pasina dambudziko re probate, rakadai sokuti kana munhu muduku akadanwa kuti ndiye anowana inshuwarisi yehupenyu kana kuti mari yekubvisa mari, munhu mukuru anofarira anogona kuisa chikumbiro chacho.
Mutongi achabva asarudza kuti ndiani angasarudza semusungwa wechidiki mushure mekunzwa uchapupu hwevanhu vose vanofarira, dzimwe nguva kusanganisira muduku kana akangodarika imwe nguva, kazhinji 12 kana 13. Nguva chaiyo inotarirwa nemutemo wehurumende.
Muzviitiko zvakawanda, mubereki wemwana anosarudzwa kunze kwekuti vabereki vose vafa kana kuti zvakasarudzwa kuti hazvina kukodzera.
Muchengetedzi akagadzwa achatora kutarisira nekudzivirira kwevana vaduku nhaka kusvikira mwana muduku ave munhu mukuru. Vabereki vanosiya nhaka yevana vavo vaduku vanogona kudzivisa dambudziko rakawanda iri kuburikidza nekudana mutariri muzvirongwa zvavo zvehupfumi.