Chengetedza ramangwana rako nemazano ekugadzirisa nzvimbo.
Kana iwe uri mumwe wavo, ndezvipi zviito zvaunofanira kutora?
Chii chiri pa Stake
Kunyange zvazvo gore ra2015 rekuita zvepabonde nemurume mumwechete harina kureva kuguma kwekurwa kwekodzero uye yakaenzana kodzero, uyewo vanhu vemuAmerica havafaniri kutya kuti kutenderwa kwechato chepabonde nemurume mumwechete kuchabviswa. Pamusoro penyaya iyi, pamusangano wehurumende, tinofanira kunzwa takachengeteka.
Izvozvo zvakati, zvakawanda zvekurwisana kweeer equality zvakatamira kune hurumende. NeRepublicans inobata zvigaro zvakawanda muhurumende yehurumende uye hurumende munyika yose, zvingava zvakaoma kuti tirambe tichitevedzana zvakafanana pakuwana kuenzana kwataiva nako mumakore masere akapfuura. Rusununguko rwechitendero zvikwereti, kukundisa mberi, uye kuvandudzwa kwemashoko akarembera mumitemo yehurumende zvipingamupinyi zvinotora nguva yakareba.
Uye izvi zvinoreva kuti ivo vanoita zvepabonde vakaroorana vanoda kuve nechokwadi chekuti mari yavo neyepamutemo dzimba dziripo.
"Zvinonyanya kukosha kudarika vanhu vakaroorana vakaroorana kuti vave nechokwadi chokuti vari pamapeji akafanana nemari uye vane hurongwa hwakasimba munzvimbo," anodaro Brian Thompson, A Certified Financial Planner neBT Financial.
"Nokusava nechokwadi kwakajeka pamusoro pezvinoitika mune ramangwana rekodzero dzedu uye kodzero dzevanhu, unoda chirongwa chakazara chinoratidza mararamiro emhuri yako nezvinangwa."
Saka kana iwe unonetseka kuti imba yako inogona kukwaniswa, yakarambwa kana yakadzingwa pasina kubvumirwa kwako, kune matanho emurairo aunogona kutora kuti musunge mumwe wako ari pedo newe uye zvinhu zvako sezvaunokwanisa - sekunge kuroorana kwaisava kusarudzo.
Zvizhinji zvematanho aya zvinosanganisira kuda kwako, nzvimbo , uye kuvimba .
Zvinosuruvarisa, vazhinji vanoita zvepabonde vakadaro havana kutora matanho aya. Maererano naMassMutual's 2016 Inopera Chiitiko Chekuongorora, 6 mu10 vanhu vakuru havakwanisi, uye 2 mu5 vanobvuma kuti havana kunyora ruzivo rwezvemari ruzivo rwakadai sevanobhadhara, mazano ekuchengetedza hutano, uye nzvimbo dzezvido uye zvinyorwa zvekutenda.
Pano pane mashomanana mapepa emutemo uye unoita kuti iwe uite.
Vapatendi Vachibatanidza Nekodzero Yokupona
Isa zvinhu zvako mu Joint Tenancy neLungelo reKupona, iro rinozivikanwa se Joint Tenancy . Kubatana kwevamwe kunoreva kuti kana mumwe mudzimai apfuura, mumwe mudzimai anenge achingozvipira uye ane zvizere zvezvinhu zvavo zvose. Izvi zvinopa kudzivirirwa kwepamutemo kubva kune mamwe mapato ', sevabereki kana vanin'ina vemunin'ina, vanotaura nezvezvinhu zvenyu.
Kukundikana kuita izvi kunogona kuva nemigumisiro mikuru kune uyo anoramba aripo. Nokuti mitemo yakarurama yemitemo - kusanganisira kuroorana - haina kutorwa, Tom Doyle angasarudzwa kunze kweimba yeWest Village apo iye nemumwe wake, Bill Cornwell, vakararama kwemakore 55. Doyle uye Cornwell varegererwa kunyora zvinyorwa zvepamutemo izvo zvingadai zvakaita kuti vagari vese vakaenzana veimba yaCornwell, uye iye zvino Cornwell's nave nevew vari kuedza kutora imba yavo.
Mutemo wakazara wekuroorana unogona kuponesa VaDoyle, sezvo kuroorana kwaizove, asi Joint Tenancy ingadai yakave yakanyanya kuvharidzirwa pamashoko akadaro.
Will
Mumwe nomumwe wega kana shamwari yako anofanira kutora chido icho chinotsanangura muridzi wezvinhu zvako kana iwe uchipfuura. Kunze kwekuti iwe usvika kune imwe chibvumirano, kuda kwako kunofanira kugara nhaka yako kune mumwe. Muchiitiko chinosuruvarisa kuti imi mose munopfuudza kana panguva imwechete, sanganisira rimwechete rinoputika , iro rinorondedzera kuenzanirana kwevakatora iyo inofanirwa kuti mugari wenhaka haasi mupenyu. Izvi zvinonyanya kubatsira paunobatanidza mhuri nevana vanobva kune vakaroorana vakasiyana.
Kuda kwako kunofanirwa kuratidza mutongi, zvichida mumwe nomumwe, kutarisira kana kutarisira kuparadzaniswa kwenzvimbo dzako. Kana iwe uine vana, iwe unoda kutsanangura vabereki vasiri vanachiremba semuchengeti wevana ivavo.
Ichi chiwedzera chekudzivirirwa kunyange kana vabereki vasiri vanachikoro vakagamuchirwa zviri pamutemo uye vakanyorwa sechipiri-vabereki pazvikwereti zvekuberekwa kwevana vako.
Aya matanho anonyanya kukosha munyaya dzehurumende nedzimwe nyika dzisina kumboitika mumitemo iyo haibvumiri vanhu vaviri vemusikana mumwe chete kuti vave pane imwe chizvarwa chekuberekwa.
Mabatsiri
Gadzirisai vose vanobatsirwa pamabhuku enyu ese kuti zvienderane neunoda kunze kwekuti iwe nemumwe wako musingabvumirane. Zvakakosha kucherechedza kuti mazita ekufambisa anopfuura mazano. Ichi chizivo chinobata vanhu vazhinji zvakashamisika.
Zvinowanzoitika kuti vanhu vasazovandudza vanobatsirwa sezvo hukama hwavo hunochinja. Kana iwe uchisiya wawakagara naye-wawakaroorana naye kana wawakaroorana naye, iwe kana wepabonde imwechete kana yepabonde rakasiyana, sevabatsiri pane imwe yenyaya dzenyu, vane kodzero dzepamutemo dzezvinhu izvi mune iyo nhoroondo kana iwe wapfuura. Kuda kwenyu kunoratidza wako iye zvino kana wawakaroorana naye sezvo mugari wenhaka asingatengi kududza mazita awakapa iwe usati wawana ukama hwenyu.
Icho hachisi chinetso chepabonde-chinetso chaicho. Mhosva inouya nguva dzose iyo inogona kudzivirirwa kana mumwe mukadzi akafa akavandudza muwani wavo. Nokuda kwechikonzero ichi, tinokurudzira kuongorora uye kuvandudza vatsigiri vako sezvinodiwa gore roga roga paunotora mitero yako.
Mhuri yeChipiri Mubereki
Kana iwe uine kana kuronga kuva nevana, vabereki vasiri vanachiremba vanofanira kubvumirwa nemutemo uye vagove vakanyorwa pane iyo yekuberekwa kwevana sekuzvarwa semubereki wechipiri. Izvi zvingava zvakaoma kune vanhu vanoita zvepabonde nemamwe varume mune dzimwe nyika. Mutauro wemasangano akawanda ehurumende hauna kuongororwa kuti uite vanhu vaviri vebonde rimwechete pachizvarwa chekuzvarwa chakafanana.
Mhosva dzinosanganisira vana dzinogona kutengeswa zvakanyanya. Nokudaro, nhengo dzemhuri dzomumwe munhu dzinopukunyuka dzinogona kutora kana zvese zvisingatarisirwi hazvina kutorwa kuti zviri mumoyo unofarira mwana wekusimbiswa kuti atorekwe navo panzvimbo pekugara nemurume mumwe chete wepabonde. Nenzira yakajeka, pane zvave zvichibudirira zvemitemo zviri kuchinja izvo.
Simba reGweta
Sarudza mumwe nemumwe sese simba rezvemari uye rezvechiremba wegweta . Simba rezvemari regweta rinoratidzira mujeri kutora nyaya dzako dzemari. Simba rezvokurapa rekugadza rinopa munhu kuti aite zvido zvekurapa kwako.
Muzviitiko zvose izvi, sarudza simba rinogara rakagadzikana rewe gweta kana simba rinosimudza rewe gweta. Simba rinogara rakagadziriswa regweta rinopa mumiririri kuti aite kamwe pacho panzvimbo yako, kusanganisira kana iwe uchinge uchinge usingakwanisi kana kuti usingagoneki zvachose. Iko simba rinogara rakasimba rekupa gweta rinogumira paunenge wapfuura.
Simba rinosimudzira gweta rinopa mumiririri kuti akuitire iwe uye rinotanga kushanda kana iwe usingagumi zvachose, sekugadzwa kwechiremba. Izvo, zvakare, zvinoguma paunopfuura.
Living Will
Vose vakaroorana vanofanira kuratidza hupenyu hunoda . Kurarama zvido zvinotsanangura zvinoda zvekurapa, kusanganisira kuguma kwehupenyu huchida, kana iwe usingakwanisi kutaura iwe pachako. Zvido izvi zvinofanira kusanganisira kana iwe uchida kudzorerwa kana kuratidza DNR kana kuti "usadzokorora" mirayiridzo. Itai zvinhu zvinoshandiswa pakushandiswa kwekudya mabhuku, kuporesa, dialysis, nekuwedzerwa ropa.
Sezvo kuroorana kwepabonde nemunhu mumwe chete hakuzivikanwi munyika yose, zvakakosha kuti vakaroorana vemurume mumwechete vakwanise kunyora uye kutakura nemabhuku akadaro pavanenge vari kunze kweU.S. Kunyange kana vachifamba mukati meU.S., pane hurumende dzisina kuita zvose izvo zvinogadziriswa zvinodiwa kuti uzive kuroorana kwepabonde imwechete. Aya mabhuku epamutemo ndeyekudzivirirwa kwevanhu vakaroorana vanodiwa.
Sezvakanaka kune mumwe wako, sarudza hupenyu huchada. Kuzvipa zvakajeka pamagumo ako-ehu-hupenyu zvinoda kuita chero sarudzo dzekupedzisira-hupenyu dzinofanirwa kuita zvishoma nyore.
Contact Information
Kunyange zvazvo pane zvimwe zvingave zvikabatana, tanga runyora rwevatano vakakosha uye ruzivo rwavo rwekukurukurirana iwe unofanira kunge usina kukwana kana kusakundikana. Urongwa uhwu hunofanira kusanganisira, asi husingarevi ku:
- Attorneys
- Vabvunzi
- Financial Advisors
- Vanachiremba
- Vatongi
- Simba revatongi
- Nhengo dzemhuri (mudzimai, vabereki, vanun'una, uye vana uye dzimwe vagari venhaka)
Archiving
Zvose izvi zvinyorwa zvemutemo hazvibatsiri kana pasina munhu angazviwana. Chengetedza wawakaroorana naye uye vose vomumhuri yako vakawedzera kushushikana nekuchengetedza zvinyorwa zvako zvose munzvimbo ine musoro uye inogamuchirwa.
Gweta Liz Schwartz anoratidza kushandisa DocuBank. Sezvakataurwa naSwartz, "DocuBank inoshandisa magetsi kuchengeta zvinyorwa zvepamutemo uye zvemutemo, kusanganisira mazano ezvehutano uye ruzivo rwekurapa mune zvehutano, pamakadhi kuitira kuti vawane nyore kubva chero kupi zvako munyika pose panguva ipi zvayo."
Imwe magetsi yekugadzirisa zvinokonzerwa neCarbonite for Home. Carbonite inozviparadzanisa kubva kune vezera rakafanana neDropbox nekuda kwekuvharidzirwa kwayo inopa uye iyo yeCarbonite File System (CFS) software.
Zvishandiso izvi zvinobatsira mumamiriro ezvinhu apo iwe unoda kuwana ruzivo pamusoro penguruve, sekunge kana chiremba wezvechiremba achibvunzurudza kutenderwa kwewanano yako yepabonde (uye, saka, kodzero dzako dzekushanyira wako wako mune imwe nzvimbo yekukurumidzira).
Kunyange kana mamwe matanho epamutemo atakanyora apa ari akawandisa, anogona kupa hudziviriro humwe kana zvikwaniso kana kuti chechokwadi yemichato yedu inobvunzwa. Sezvo CFP Cathy Pareto anoti, "Tariro iwe hauna kumbodikanwa nayo, asi kuva ne" hondo yehondo "yakarongeka inonzwisisika."