Chimwe chivimbiso chinoparadzaniswa chokurarama chinosanganisira zvitatu zvoupenyu hwomutendi: hupenyu hwake, zvichiita kusakwanisa, uye chii chinoitika mushure mekufa kwake.
Chikamu Chekutanga cheMusangano Wakaregererwa Wakavimbika: Muvimbisi ari mupenyu uye akanaka
Zvinyorwa zvekuvimba zvinofanira kuisa zvikamu zvakakonzera kubvumira mutendi kuti aise mari uye ashandise zvinhu zvekutendesa kuti zvibatsire munguva yehupenyu hwake. Anokwanisa kufamba nebhizimisi sechinyakare nemafambisi akaendeswa kana kubhadharwa muhutori hwehutongi, achifunga kuti haana kusarudza mumwe munhu kuti ave serasti. Munyaya iyi, mutrasti aiwanzotora kutungamirirwa kubva kwaari.
Munhu anovimba naye ane kodzero yekugadzirisa chivimbo chekuregererwa - naizvozvo izwi rokuti "revocable." Anokwanisa kudzorera zvinhu zvaakaiswa mukati maro, kutengesa mari yekutenda kwaari kana mumwe munhu anobatsira, kutengesa zvinhu kana kuisa mamwe mairi mairi. Anochengeta kutonga kwekupedzisira.
Chimwe chivimbiso chekugara chinotaridzika hachina mvumo yekufananidza mutero, kusiyana nekutendeseka kusingagadziki - iyo apo mutendi anopa zvose zvinotungamirirwa.
Chivimbo chekuregererwa uye mutendi waro anogovera imwechete Social Security number. Mitero yemubhadharo inoiswa paFomu yeMutendi 1040, sekunge kuti yakaramba ichibata pfuma yega pachake.
Chikamu Chechipiri cheVhupenyu Risingarambiki Chivimbo: Muvimbisi Anowanikwa Maitiro Asingagoni Kupindirwa
Chibvumirano chekuvimba chinofanirwawo kutsanangura zvinoitika kana munhu anovimba naye akava mupfungwa asingakwanisi uye asingakwanisi kutarisira nyaya dzake uye dzea trust.
Mavhesi ekutendwa anofanira kutumidza "mutongi anotsiva," mumwe munhu kuti apinde uye atore kutungamira kwetendwa kana mutendi achivimba kuti haafaniri kufunga. Mutongi anotsiva anogona kukwanisa kutarisira mari yemutendi uye zvinhu zvakaiswa mu trust.
Chikamu Chetatu cheMweya Wakaregererwa Kurarama Trust: The Trustmaker's Death
Chivimbo chekuregererwa chinongoerekana chisingachinji kana munhu anovimba naye achifa nokuti haakwanise kuchinja. Uyo anonzi anotsigira mutongi anofambisa mberi iye zvino zvakare, achibhadhara mabhizimisi ekupedzisira emutendi, zvikwereti nemitero, sezvaaida kudai kana mutendi achivimba asina kukwanisa. Mune mhaka yekufa, zvakadaro, iye aizozogovera zvakasara zvipi kune avo vanovimba nevatendi maererano nemirayiridzo yakabatanidzwa mune zvinyorwa zvekuvimba.
Nzira Iyo Inoparadzanisa Kurarama Kwechivimbo Inovhara Probate
IInternal Revenue Service nematare edzimhosva vanoona zvikwereti zvinokanganisa zvishoma zvakasiyana. Nokuti mutendi uye chivimbo chinoshandisa imwe nhamba ye Social Social Security, mari inowanikwa mu trust haina kudzivisa mitero yeimba. Munhu anovimba naye anogona kuvadzikinura chero nguva yaanoda, saka IRS inotora nzvimbo yaasina kuisa pfuma pachake sezvaaizoita nekutendeseka kusingagoneki, iyo inopukunyuka mutero weimba.
Dare re probate rinotaura kuti akatosiya umwene. Akapiwa zvinhu kumutendi, kunyange zvazvo achigona kuzvitora zvakare. Achifunga kuti haana kumboita saiye wekufa kwake, mari yekutenda haizoperi nepakati. Mutongi anotsiva anogona kugadzirisa kuvimba kunze kwedare, pasina kutarisirwa.