Zvakakosha kudzokorora mazita ekuwana.
Nei Tichifanira Kuongorora Mazano Anobatsira?
Vanhu vazhinji vanorega kuve nokudzokorora mazita avo ekuwana mari mushure mekuroorana, kurambana, kana kumwe kuchinja mumamiriro avo emhuri.
Zviri nyore kukanganwa kuita izvi, uye zvechokwadi, zvinosanganisira mapepa, uye ndiani anoda mapepa?
Dambudziko neizvi; iyo zita rakagadziriswa ibhuku rinosungira zviri pamutemo, uye rinokunda kuda kwako. Izvo zvinoreva zvisinei nehukama hwehukama huripo, uye pasinei nezvinodiwa iwe zvino, iyo yefa ichaenda kune munhu wawakadana muzvinyorwa zvinogadziriswa chero nguva paunenge uchirikugadzirisa.
Mabatsiro Akarongwa Trump the Will
Vamwe vanhu vanofunga kuti zvinyorwa zvitsva ndezvaunoda. Kuda kwenyu kana kuvimba hakungapfuuri izvo zvinodanwa muhutano hwemubatsiri pane inshuwarisi yehupenyu, annuity, kana kuti retirement rekodha (kufanana neIRA kana 401 (k) hurongwa). Kuburitsa kunobatsira kunotangira mberi, kana mumwe mutambi we poker akariisa "mukana wokuwana mukana wekutambira." Uye kana iwe usingatauri ani zvake pane imwe nhoroondo yeIRA? Mitemo yehurumende inogona kusarudza kuti ndiani anoenda. Nokuda kwechikonzero ichi, zvakakosha iwe uchidzokorora mazita ekuwana zvipo kuti uratidze zvaunoda iye zvino.
Muenzaniso weChirongwa Wakaenda Zvakaipa
Ndakashanda nemumwe mutengi uyo mudzimai wake akashanda kwekambani huru yekudzivirira yenyika. Yakanga iri yechato chechipiri, uye paakarwara nekenza yakakomba, yakanga ine chivimbo chakagadzirwa. Aida kuti vana vake vaviri nemurume mumwe nomumwe vatore chetatu chezvinhu zvake. Zvisinei, haana kukwanisa kugadzirisa mazita ake nemarongerwo aro 401 (k) chirongwa uye iyo nhoroondo yakakurumbira yose yakanyatsoenda kumurume.
Akanga achida kukudza zvaanoda (neropafadzo yevana kubva kwaari asati atoroora), asi kana akapinda mu 401 (k) uye akaibhadhara kune vana aizotaurira mari yose pamutero wake wekudzokera. Iye nevana vakasarudza kuti vagadzire IRA muzita rake, asi nevana vaidanwa sevakabhadhara, uye vakabvumirana nega rega kugoverwa kwaakavaitira iye aigona kuchengetedza zvakakwana kuvhara mitero. Izvi zvakazoita zvakanaka, asi zvichave zvichiri kuenderera mberi kutonga kwemakore kwemakore. Uyu rudzi rwekutambudzika rwaigona kudziviswa kuburikidza nekuvandudza fomu yekubvisa purogiramu yekubhadhara mafomu kumushandi wemudzimai. (Cherechedza: waaishandira akanga asina chaasarudzo - vanofanira kutevera fomu yekupa mazita kune faira uye haagoni kuchinja kugoverwa mushure mekufa kunyange kana mapoka ose achibvuma kuchinja.)
Nzira Yokuongorora Nhaurirano Inobatsira
Ita rondedzero yebhuku rimwe nerimwe rekubvisa mari, inshuwarisi yehupenyu, uye mari yaunayo. Wedzera mapuranga maviri kune rako; imwe yevabatsiri uye imwe yezuva. Nenyaya imwe neimwe kana mutemo unyore munyori uye zuva raakagadziridzwa. Mukuwedzera kune munhu mukuru wekubatsira, iwe unofanirwawo kutumidza munhu anobatsira . Izvi zvinoreva kana mukuru wekubatsiridzira achikugadzirisa iwe, iwe watoziva kuti ndiani iyo inofanirwa kuenda nayo.
Ramba urongwa urwu mune binder kana faira faira pamwe nemamwe magwaro ako anokosha. Pasinei nekuchinja chero kupi zvako, ita kuti uve tsika yekukwevera ichi kuvhara kamwechete pagore uye kuongorora mashoko arimo.
Kana iwe uchida kugadzirisa mumwe muwani, taura nekambani. Vachakutumira iwe fomu yekufananidzira mazita iwe waunoda kuzadza, chiratidzo, uye kudzokera kwavari.
Ko Zvakadini Nokuvimba?
Vanhu vazhinji vanogadzira hupenyu hwekutenda hunochinja , hunotonga zvinhu zvose zvinonzi mu trust. Semuenzaniso, iwe unogona kutora mazita ebhangi, mabhizinesi edzimhosva uye zvivako mu trust. Iwe ndiwe mutrasti uye unotarisira zvinhu izvo uchiri mupenyu uye uine utano. Gwaro rekutendwa rinoshandisa mutongi anotsiva naizvozvo kana iwe ukava usina simba kana kufa, mutongi anotsiva anokwanisa kutora nyore pasina zvakawanda zvekutonga.
NeIRA kana 401 (k), munhu chaiye anofanira kuva muridzi webhuku. Iwe haugonezve kutumidza zita reIRA kana 401 (k) mu trust. Iwe unogona kutumidza chivimbo semubatsiri weIRA yako, asi panogona kunge kune zvinetso kune izvi. Kana uine zvinhu zvakawanda muIRAs nemamwe mapurogiramu ekurega basa, zvakanakisisa kushanda pamwe nemunhu ane kodzero yekugadzirisa matongerwo enyika kuti akubatsire kutsvaga nzira yakanakisisa yekudaidza vanowanikwa.