Nhaka Dzakabatanidzwa Munzvimbo Yenyu Yakakura
Zvinhu zvinenge zvichisanganiswa muimba yako yepamusoro yekutengesa mitero zvinotevera:
- Bhuku dzeAbhangi - Kusanganisira kuongorora, kuchengetedza, misika yemari, uye maCD. Kana iyo nhoroondo iri muzita rako roga (kusanganisira kubhadharwa pamakafa akafa ) kana muRevocable Living Trust yako, kukosha kwayo kunowanikwa; kana iyo nhoroondo iine mazita akabatana nemumwe wako ane kodzero yekupona, 50% chete yehuwandu inowanikwa; kana iyo nhoroondo iri mune mazita akabatana nemumwe munhu kunze kwomumwe wako ane kodzero yekupona, 100% yehuwandu inosanganiswa kunze kwekuti ingaratidza kuti vamwe vadzidzisi vepaiti vakapa zvipo kuakaiti; kana iyo nhoroondo iri mune mazita akabatanidzwa sevarimi vari pamwe chete, chete iwe unofanirwa kufarira inosanganiswa.
- Investment Accounts - Kubatanidza kubhadharwa kwekambani uye mari pamwe chete. Kana iyo nhoroondo iri muzita rako roga (kusanganisira kubhadharwa pamakafa akafa ) kana muRevocable Living Trust yako, kukosha kwayo kunowanikwa; kana iyo nhoroondo iine mazita akabatana nemumwe wako ane kodzero yekupona, 50% chete yehuwandu inowanikwa; kana iyo nhoroondo iri mune mazita akabatana nemumwe munhu kunze kwomumwe wako ane kodzero yekupona, 100% yehuwandu inosanganiswa kunze kwekuti ingaratidza kuti vamwe vadzidzisi vepaiti vakapa zvipo kuakaiti; kana nzvimbo yacho iri mazita akabatanidzwa sevarimi vese vari pamwe chete, chete iwe unofanirwa kufarira inosanganiswa.
- Nheyo uye Bonds Dzakachengetwa muStifiketi Form - Kana chikwata kana bhandi iri muzita rako chete kana muRevocable Living Trust, kukosha kwayo kunosanganiswa; kana sengo kana bvumirano iri mazita akabatana nemumwe wako ane kodzero yekupona, 50% chete yehuwandu inowanikwa; kana nhengo kana bhandi iri mune mazita akabatana nemumwe munhu kunze kwomumwe wako ane kodzero yokupona, 100% yehuwandu inosanganiswa kunze kwekuti ingaratidza kuti vamwe vadzidzisi vekambani vakabatsira kutenga chikwata kana bvumirano; kana sengo kana bvumirano iri mune mazita akabatanidzwa sevarimi vese vari pamwe chete, iwe chete iwe unofanirwa kufarira unosanganiswa.
- US Savings Bonds - Kana bhizimisi iri muzita rako roga (kusanganisira kubhadhara pahutano hwekufa) kana muRevocable Living Trust yako yose, kukosha kwayo kunosanganiswa; kana bhizimisi iri mazita akabatana nemumwe wako ane kodzero yekupona, 50% chete yehuwandu inowanikwa; kana bhizimisi iri mazita akabatana nemumwe munhu kunze kwomumwe wako ane kodzero yekupona, 100% yehuwandu inosanganiswa kunze kwekuti inogona kuratidzirwa kuti vamwe vadzidzisi vekambani vakabatsira kutenga bhandi; kana hutano huri mazita akabatanidzwa sevarimi vese vari pamwe chete, chete chido chako chakatarwa chinosanganiswa.
- Migumisiro yevanhu - Kusanganisira firimu nemidziyo; nguo; zvishongo; antiques; colletibles; mifananidzo; mabhuku; pfuti; computers; Terevhizheni nezvimwe zvakadaro.
- Motokari, Bhoti, uye Ndege - Kana iyo motokari iri muzita rako roga kana muRevocable Living Trust, kukosha kwayo kunosanganiswa; kana iyo motokari iri mazita akabatana nemumwe wako, chete 50% yehuwandu inosanganiswa; kana iyo motokari iri mazita akabatana nemumwe munhu kunze kwewakaroorana naye, 100% yehuwandu inosanganiswa kunze kwekuti ingaratidza kuti vamwe vadzidzi venyaya vakabatsira kutenga motokari.
- Mari Inokweretwa Iwe - Izvi zvinosanganisira zvikwereti zvakachengetwa newe, zvikwereti zvako zvawakaita, uye mibairo, mabhonasi, mishoni uye mitero yaunokweretwa iwe panguva yaunofa.
- Life Insurance - Kana iwe une purogiramu yako muupenyu hwako, 100% yemari inowanikwa inowanikwa; kana iwe uine purogiramu yehupenyu hwomumwe munhu, chete mari yeko mari inowanikwa.
- Kubhadhara Mari - Zvikamu izvi zvinosanganisira Roth uye Traditional IRAs; Zviri nyore uye SEP IRAs; 401 (k) s; 403 (b) s uye annuities; 100% yehuwandu inowanikwa.
- Inonyatsochengetedza Zvemabhizimisi Inofanirwa - Ichi chinosanganisira kutengeserana chete, kubatanidzwa, makambani asingakwanisi kubhadhara uye stock inobatwa mumakambani akachengeteka. Kukosha kwehuwandu hwekuda kwako kunosanganiswa.
- Real Estate - Kana nzvimbo yacho iri muzita rako chete kana muRevocable Living Trust , kukosha kwayo kunosanganiswa; kana iyo iyo iri mazita akabatana nemumwe wako ane kodzero yekupona, 50% chete yehuwandu inowanikwa; kana iyo iyo iri mazita akabatana nemumwe munhu kunze kwomumwe wako ane kodzero yekupona, 100% yehuwandu inosanganiswa kunze kwekuti inogona kuratidzirwa kuti dzimwe dzimba dzeimba dzakabatsira kutenga imba; kana nzvimbo yacho iri mazita akabatanidzwa sevarimi vese vari pamwe chete, chete iwe unofanirwa kufarira inosanganiswa.
- Zvimwe Zvivimbiso Zvimwe - Zvimwe zvivimbo zvaunobatsirwa nazvo, kusanganisira kuvimba kupi zvako kune "simba guru rekugadza," richabatanidzwa muimba yako yepamusoro nezvose zvakakwana zveimba yekuvimba. Izvi zvinosanganisira kukosha kwakakwana kwe "A Trust" yakagadzirirwa kuti iwe ibatsirwe semudzimai anorarama achishandisa chokwadi " AB Trust " kuronga.
- Mutero Wemazuva Ekupedzisira Zvipo - Izvi zvipo zvawakaita kuburikidza nehuwandu hwehupo hwegore hwegore hwekupa mupiro wezvipo mumwaka wawakaita chipo. Nhamba yekuregererwa yakashandiswa kuva $ 10 000 nechipo uye ikozvino $ 12,000 asi ichakwira kusvika ku $ 13,000 muna 2009.
- Zvimwe Kudhindwa Kunowanikwa MuMakore 3 Okufa - Izvi zvinosanganisira inshuwarisi yehupenyu inowanikwa newe uye kuendeswa kune Irrevocable Life Insurance Trust mukati memakore matatu kubva pazuva rako rokufa.