Iwe uri Mumwe wevana makumi manomwe veAmerica Vasina Chido Here?

Chikonzero Nei Uchida Chido

Unoda here? Ikozvino, une dare rezvemitemo rinotsanangura zvaunoda pamusoro pekupararira kwepfuma yako nezvimwe zvinhu zvinokosha zvakadai sekuchengetwa kwepamutemo kwevana vako vaduku paunopfuura iwe here? Pakati pehafu-mbiri yezvitatu zvevanhu vekuAmerica havane chido . Asi iwe unoda imwe here? Mhinduro yacho inofadza hongu kana iwe uchipindura hongu kune chero ipi zvayo mibvunzo iri pasi apa:

1. Iwe unofarira ndiani anowana pfuma yako kana iwe ukafa?

1. Iwe unofarira ndiani anowana mari yako kana iwe ukafa?
2. Iwe unofarira ndiani anogadzwa mutarisiri wevana vako vaduku kana iwe ukafa?

Ndiani Anoda A Will?

Zvipi hazvisi zvevapfumi nevapfumi chete . Pasinei nemari yakawanda kana kuti mari shoma yaunayo, kuda kuchaita kuti zvinhu zvose zvaunenge uine uye zvinhu zvaunenge uine zvichaenda kumhuri kana kune avo vanobatsirwa. Kana iwe uine bhizinesi, kuda kunogona kubatsira kubvumira kuchinja kwepamutemo kwepamutemo kwezvinhu izvi.

Kunze kwezvinhu zvako uye zvinhu zvako, kana iwe uine vana vaduku, kuda kunoda. A kuda inoita kuti iwe usvike pakusarudza vana vako vatarisi vemutemo unofanira iwe kupfuura vana vako vasati vava nemakore akwegura pamutemo.

Nokuda kwekuda, iwe unogonawo kutumidza izvo zvinozivikanwa semuiti, kana munhu waunovimba naye kuti ave nechiremera chekuita kuti zvidikaniso zvako zviitike uye kuve nechokwadi kuti zvinhu zvako zvose zviripo kuitira kuti ubhadhara mari kubvisa makadhi emakadhi.

Pasina kuda, dare rinoita zvisarudzo izvi nokuda kwenyu, pakati pevamwe, kuburikidza nekureba kwenguva uye kunowedzera kushungurudza kunonzi probate. Vanhu vashoma vakaronga kufa munguva yemberi iri pedyo, asi kana mukafa kamwe kamwe musingadi, hamungatauri mhuri yenyu nevanodikanwa kuti muve nekusavhiringidzika uye kusazvidya mwoyo pane izvo zvatova nguva yakaoma.

Unoda Mumiriri here?

Kune vanhu vazhinji, kuda kuri nyore kubudisa uye kunogona kugadzirirwa kushandisa sangano rejeri rakadai sa Quicken Willmaker Plus (Nolo Press, rinodarika $ 50), iro rinokubatsirawo kuumba Living Will, Living Trust, Bypass Trust, Financial Power of Attorney, uye mamwe mafomu emutemo anokosha. Kana iwe uine imwe nzvimbo yakaoma, kana iwe usingasununguri kushandisa software yezvinonyanya kuwandisa zvinyorwa, unofanirwa kubvunzurudza gweta reimba inogonawo kushanda neChipatimendi chePublic Accountant (CPA) kana wezvigadziri zvemari.

Unotanga Sei?

Pachine zvishoma, kuda pane chero nguva muhupenyu hwako kunofanira kuita zvinotevera: sarudza mutaridzi kana une vana vaduku, sarudza mutongi kuti ape kuda kwako paunenge wafa, uye utaure zvakananga kuti iwe unoda sei kuti nzvimbo yako igoverwe.

Nhanho yekutanga pakusarudza kuti unoda sei nzvimbo yako kuparadzirwa kuunganidza ruzivo. Iwe unoda izvo zvinyorwa zvinotevera kune ani zvake anonzi zita rako (savana, mudzimai, vakagadzirirwa vanochengetedza, mutongi, nevamwe vanobatsirwa ):

• Mazita
• Mazita
• Mazuva ekuberekwa

Iwe uchazofanirawo kuchengetedza zvimwe zvinyorwa zvezvikwereti zvose, kusanganisira zvikwereti, zvikwereti zvemotokari, zvikwereti zvevadzidzi, mabhizimusi emabhizimisi, uye kadhi yemakadhi .

Urongwa hwezvinhu, kusanganisira mashoko akazara pamusoro pezvinotevera:

• Musha
• Kuchengetedza (mabhengi ebhengi, maCD, mari yemari)
• Inotengeswa (mashizha, zvibvumirano, mari pamwe chete, CDs)
• 401 (k), IRA, mapepa / mapepa ekurega mari
• Inishuwarenzi yehupenyu mitemo uye annuities
• Ubwero kufarira mune bhizinesi
• Ngoro, zvikepe, ndege uye dzimwe motokari
• Chero chipi nechipi chinokosha chemunhu

Zvechokwadi, iwe unofanirwawo kuchengetedza mapepa ezvinodiwa, matariro, mitemo yekurambana, zvinyorwa zvepamutemo uye chero zvipi zvinyorwa zvepamutemo zvinogona kuchinja kuda kwako. Kana ukasarudza kuumba kuda kwako pachako uchishandisa software sezvakaita Willmaker, unogona kugara pasi pamberi pekombiyuta yako nezvose zvataurwa pamusoro apa uye mumaawa mashomanana kuunza kuda kunotenderwa mumamiriro ako ezvinhu. Kana iwe uchinzwa wakasununguka kuva negweta unozviita, iwe unofanira kuve wakagadzirira kutora zvakataurwa pamusoro apa uye zvimwe zvimwewo newe pane zvawakagadzirirwa.

Sezvo hupenyu huchichinja, zvakakoshawo kuti udzokezve kuda kwako nguva nenguva kana pane zvimwe zviitiko zvehupenyu hukuru kuti uone kuti kuda kwako kuchiri kuratidza zvido zvako. Pakupedzisira, asi kwete zvishoma, zvakanakisisa zvezvido hazvingabatsiri kana pasina anoziva kuti angazviwana sei. Iva nechokwadi kuti nhengo dzemhuri yako uye mutongi wenyu vanoziva kuti kuda kwenyu kuchengetwa kupi.