Rudzi rweChipiri Unogadzira Unogona Kuita Kusiyana Kwazvo
Gadzirira Chiito Chitsva Chokudzivisa Purogiramu
Zvakanaka, iwe haungangowedzera "zita romwana wako pane zvaunoita. Iwe uchagadzira chiito chitsva neboka revatenzi, zvichida iwe, wako wako, uye mwana wako. Iwe uchange uine vashandi pamwe chete kodzero dzekupona .
Kana iwe ukangowedzera zita romwana wako pane zvaunoita, haazove ane kodzero yekuchengetedza. Haangotori nhaka yako chikamu chako chepfuma paunofa. Kuwedzera zita chete kunomupa umiridzi weimba mune zvose iye zvino uye mune ramangwana, asi iwe pachako unhu huchida huchagadziriswa.
Kuumba zvido zvose zvinodiwa nekodzero yekupona zvinokonzera dambudziko iri. "Kuponesa" zvinoreva kuti kana mumwe muridzi afa, chikamu chake cheimba inoshandiswa nemutemo kune muridzi kana vadzidzisi vanomupona.
Funga Kushandisa Gweta
Iwe unogona kutenga software yakakodzera kana fomu yebvumirano kubva kune imwe nzvimbo yekutengesa mabhizimusi kana webhusaiti yepamutemo kuti uite chibvumirano chekuita chibvumirano, asi funga kushanda neanzvimbo yekugadzirisa zvivako kana nzvimbo yemugovera maiti panzvimbo.
Mitemo yehurumende inogona kunge yakanyatsojeka pamusoro pekuti basa rinofanira kunge rakanyorwa sei kuti rive neropafadzo dzekuchengetedza, uye mafomu aya nema software hazvisi nguva dzose zvichitaura nezvehurumende. Imwe shoko risina kururama kana shoko risingarashiki rinogona kutungamirira kuongororwa kweimba.
Mabatsiro Deeds
Chiito chekubatsira chinogona kuva chimwe chinhu pakusikwa chiito nekodzero yekupona kana iwe uchigara mune imwe nyika inozviziva.
Iwe hausi kuwedzera mwana wako sewe mvumo mutsva weimba iyo munguva yako yehupenyu nemhando iyi yechiito. Pane kudaro, aizowana pfuma yako chete paunenge wafa. Izvi zvinogona kudzivisa zvakawanda zvezvinetso zvingangodaro zvinokura kana iwe ugogovana ugove naye paunenge uri mupenyu.
Iwe-kana kuti Yenyu-Unogona Kubhadhara Mutero Wechipo
Kubva muna 2018, apo iwe unopa ani zvake chero chinhu chinopfuura $ 15,000 mukoshi, Internal Revenue Service inoti chipo chekubhadhara . Izvi zvinosanganisira kugadzira chiito chitsva chinopa mwana wako kuwanikwa kwehuwandu hwemusha mumba mako, achifunga kuti haakubhadhara iwe mutengo wakanaka wemari pamashandisirwo.
Iwe uchafanirwa kuisa federal chipo chekubhadhara mutero kune IRS Form 709 kuudza chipo icho ku IRS kana mugove weimba yacho uchikosha pane inopfuura $ 15,000. Mari yepamusoro ye $ 15,000 yaizobhadhara-iwe, kwete mupi wechipo.
Iyi $ 15,000 muganhu inozivikanwa segore rekubhadhara mitero yezvipo, uye yakakonzerwa nehupfumi kuitira kuti iwedzere gore rose. Asi zvipo zvehupenyu zvekubhadhara mutero zvinowanikwawo zvakare. Iyi kuregererwa inokubvumira kuti usabhadhara kubhadhara chero chipo chekupa pane kutengesa.
The Unified Tax Credit
Chipo chechipo uye mutero wemugove wekutengesa mukana wekuregererwa kwehupenyu-ivo "vakabatana." Kana iwe uchipa zvinhu zvakawanda zvinodhura munguva yako yehupenyu, kuisa Fomu 709 nguva imwe neimwe inobudirira kuchinja bhaari pamusoro pegore rekuregererwa kwemari gore roga roga kuhupenyu hwako hwekuregererwa.
Pakupedzisira, nzira iyi inodzinga chikamu chiduku chemutero wemunharaunda yekuchengetedza zvinhu zvako zvakasara kubva kumitero yeimba paunofa, asi nokuti chikwereti chimwechete chinodzivirira zvose zvipo neimba yako, izvo zvishoma.
Izvo zvakati, heino mamwe mashoko akanaka: Hupenyu hupo hupo mutero / mubhadharo wekutengesa mutengo ndeye $ 11.18 mamiriyoni kune mumwe mupiro wegore ra2018. Izvo zvakawanda zvepfuma. Kana iwe uchikwanisa kushandisa chiito chekubatsira, mutero wekutengesa unobatanidza nekuendesa chivako nenzira iyo yaizofukidzirwa nekusunungurwa kwakafanana kwehupenyu. Ramba uchiyeuka kuti zvinhu zvinopukunyuka kuongorora zvinoramba zvichingobatsira iwe taxable estate yekutengesa mari.
Zvikamu zveNhepfenyuro Kuwana Mitero
Mwana wako achagamuchira nhanho mumusoro wemitero yemusha kana ichipfuura kwaari kana iwe ukafa, kana kuburikidza nekuongorora kana kuburikidza nebasa rinobatsira.
Izvi, zvakare, zvinoderedza chero mari ipi zvayo yainowana mutero waangambofanira kuripa kana iye pakupedzisira achisarudza kutengesa imba yacho.
Imari inowanikwa mubhadharo inoongororwa pamusiyano pakati pekutanga kutenga mutengo kana kukosha kweimba uye mutengo wekutengesa weimba. Iyo "inotama" inoita kuti imba iwane kukosha kusvika pane zvaifanirwa musi wekufa kwako, kwete pawakatanga kuwana iyo.
Kana iwe uine dzimba yacho kwenguva yakawanda, iyo yakaderera yakave yakanyanya kudarika zvawakabhadhara, iyo chinhu chakanaka. Zvinoreva kuti pachava nemusiyano wepakati pekukosha ikoko uye mutengo wekutengesa, uye izvo zvinoreva kuderedzwa kusingabhadharwi mumutero mukuru wekutambira.
Imba haigoni kugadzirisa matanho mushure mekufa kwako kana iwe ukagadzira kubatana pamwe nemwana wako nekuita chiito chitsva munguva yehupenyu hwako. Aizofanira kugara nhaka pamba. Kana zvisina kudaro, mwana wako aizotora chikwereti chemari inobhadhara kubva pane izvo zvaive zvakakosha iwe pawakatanga kutenga iyo.
Zvimwe Zvingave Zvinetso Nevamwe Joint Tenancies
Iwe hauzokwanisi kutengesa chivako, kugadziridza chikwereti, kana kutora chikwereti chitsva pasina kubvumirwa kwemwana wako kana iwe uchimupa pachedu pachedu mubato rekubatana. Idzi zviito zvinoda kubvumirwa kwevatenzi vose.
Zvakaipisisa, mwana wako anogona kutengesa mutemo wake mutemo kumunhu wechitatu, zvichida kumutorwa wakakwana, pasina chibvumirano kana iwe usingatauri chiito chacho zvakarurama.
Kana mwana wako apedzisa nekambani yemutero, zvinokwereta chikwereti, kana muhurukuro yekurambana, hurumende, chikwereti, kana wawakaroorana naye anokwanisa kutora imba yako kana kuti inenge iri nhaka yako yevana mumamiriro ekubatana. Mune mamiriro acho ezvinhu, sangano rinogona kuisa chibvumirano cheimba yako uye kuedza kukumanikidza kutengesa kwayo kuunganidza pane chikwereti chayo.
Iwe uchaitawo kutengesa kwemafa ayo anonoka Medicaid kukodzera kana iwe ukakumbira rubatsiro mukati pemakore mashanu mushure mekugadzira kubatana kwekuita basa. Iwe wakabudirira kupa chikamu chepfuma yako kure, izvo zvingakanganisa nguva yekukodzera.
Chii Unofanira Kuita?
Kunyange zvazvo dzakawanda zvezvinetso izvi zvinogona kudziviswa nekushandisa chiito chekubatsira panzvimbo, izvi zvingasave zviripo kune waunogara. Kugadzira chibvumirano chekuita pamwe nemwana wako panzvimbo inogona kuva bhizimisi bhizinesi, saka unogona kutaurirana newavo gweta ane ruzivo kuti uone humwe hutano hwakasiyana nehuno hunoita mune imwe mamiriro ako.
Usakanganwa Kuisa Chiito
Chero chipi nechipi chaunoshandisa, haisi nyaya yekungoita chiito chitsva, kuchiisa, nekuchiisa mudhoroki rako redhiketi kana kuchengeteka bhokisi rakachengeteka. Iwe unodawo kuisa iyo nerekrektare yako yezviitiko kuitira kuti uve nechokwadi chokuti iri nyaya yehurumende.