Usaita zvikanganiso izvi kana uchitenga inshuwarisi yehupenyu
Iwe unofanira kutanga nemubvunzo unonyengedza-unonyatsojeka: Unoda inshuwarano yehupenyu here? Mhinduro yako yakajeka mubvunzo iwoyo inogona kukubatsira kuti usarudze rudzi rwehushuwarisi hwehupenyu hunotenga, uchifunga kuti iwe unofunga kuti unohuda.
Kana iwe ukasarudza iwe unoda inshuwarisi yehupenyu, ipapo danho rako rinotevera nderokudzidza nezvemhando dzakasiyana dze inshuwarisi yehupenyu uye kuti uve nechokwadi chokuti uri kutenga chirongwa chakanaka chemutemo.
Unodei?
Inishuwarenzi yehupenyu inoda kusiyana zvichienderana nemamiriro ako ega-vanhu vanovimba newe. Kana iwe usina vana vanovimba, zvimwe iwe haudi inshuwarisi yehupenyu. Kana iwe usingaiti chikamu chikuru chemari yako yemhuri, unogona kana unogona kusada inshuwarisi yehupenyu .
Kana mubhadharo wako wakakosha kutsigira mhuri yako, kubhadhara chikwereti kana zvimwe zvikwereti zvekare, kana kutumira vana vako kukoroji, unofanira kufunga nezve inshuwarisi yehupenyu senzira yekuvimbisa kuti izvi zvinoshandiswa mune zvemari zvinowanikwa paunenge wafa.
Unoda Zvakawanda Zvakadini?
Zvakaoma kushandisa chirevo chechigunwe nokuti huwandu hwehushuwarenzi hwehupenyu hwaunoda hunoenderana nemamiriro ezvinhu akadai semamwe mavhenekeri emari yako, vangani vanovimba nevako, zvikwereti zvenyu, uye mararamiro enyu. Zvisinei, nhungamiro yakawanda yaunogona kuwana inobatsira ndeyokutora mutemo unofanirwa kuve pakati pemashanu uye katatu mubhadharo wegore negore kana uchifa.
Pamusoro pemutungamiri iwoyo, ungada kuongorora kubvunzurudza unyanzvi hwokugadzira zvemari kuti uone kuti mari yakawanda sei yekuwana.
Mhando dzeupenyu Mazano
Mhando dzakawanda dzakasiyana-siyana dzemishuwarenzi yehupenyu dziripo, kusanganisira hupenyu hwose, hupenyu hwehupenyu, hupenyu huripo, uye hupenyu hwehupenyu hwose.
Upenyu hwose hunopa zvose kubatsirwa nerufu uye mari inokosha asi inodhura zvikuru kupfuura mamwe marudzi e inshuwarisi yehupenyu.
Munzira yemainishuwarenzi ehupenyu hwose, miriyamu yako inogara yakadaro kusvikira iwe wakabhadhara mutemo. Iyo purogiramu yacho pachayo inoshanda kusvikira iwe wafa, kunyange mushure mekunge iwe wakabhadhara miriyamisi yose.
Iko inshuwarisi yehupenyu inogona kudhura nokuti huru dzemitambo (zviuru zvemadhora gore rokutanga) uye mari inogadzirisa kukosha kwemari mumakore ekutanga. Sezvo mari iyi ichivakwa muzvikwata zvakaoma zvekutsvaga mari, vanhu vazhinji havazivi kuti mari yavo yakawanda inopinda sei muhomwe dzavo .
Mitemo yehupenyu husinganzwisisiki, mararamiro e inshuwarisi yehupenyu husingagumi, kuvaka mari yaunogona kuisa mune imwe yezvisarudzo zvinopiwa nekambani ye inshuwarisi. Kukosha kwekuchengetedza mari yako kunotsamira pakuita kuti zvikwereti izvi zviri nani sei.
Iwe unogona kusiyanisa chikamu chemari yako yepurogiramu yveshuwarenzi yehupenyu hwehupenyu hwose , imwe nzira ye inshuwarisi yehupenyu husingagumi, uchishandisa chikamu chemari yako yakawedzerwa kuvhara chikamu chemari yepamberi. Iwe unogonawo kusiyanisa chiyero chekufa rufu. Nokuda kwechikonzero ichi, iwe uchabhadhara mari yakakwirira yehutungamiri.
Dzimwe nyanzvi dzinokurudzira kuti kana iwe uri pasi pemakore makumi mana uye usina mhuri yehutano hwehutano hunotyisa, iwe unofanirwa kusarudza inshuwarisi yemazuva , iyo inopa rubatsiro rwekufa asi kwete mari inokosha .
Upenyu Inishuwarenzi Mari
Inishuwarenzi yeupenyu husingadhuri inogona kunge inobva kuurongwa hwehupenyu hwe inshuwarisi yehupenyu hwako, uchifunga kuti wako waunoshandira anopa imwe. Iyi mitemo inowanzotora mazano , izvo zvinoreva kuti iwe wakavharwa chero bedzi iwe unoshanda kumushandi. Mimwe mitemo inogona kushandurwa pakuguma.
Mari inoshandiswa nemamwe marudzi emishuwarenzi yehupenyu yakasiyana zvikuru, zvichienderana nekuwanda kwekutenga kwako, rudzi rwehutano hwako hwaunosarudza, maitiro emunyori wepamusoro, uye kutengeswa kwakawanda kwekambani iyo inopa chikwereti chako. Izvo zvinodhura zvinoshandiswa zvinobva pamahwendefa ezvinoarial anojekesa mararamiro ako ehupenyu . Vanhu vane pangozi yepamusoro, yakadai sevaya vanosvuta, vane uremu, kana kuti vane basa rine ngozi kana kuti zvinokuvaraidza (somuenzaniso, kubhururuka), vachabhadhara zvakawanda.
Inishuwarenzi yeupenyu inowanzove yakavanzwa mari, yakadai sekubhadhara uye mahofisi makuru, kuitira kuti iwe usati wakaziva kusvika kusvikira wapedza kutenga mutemo.
Kune mhando dzakawanda dzakasiyana-siyana dze inshuwarisi yehupenyu , uye makambani akawanda anopa mazano aya, kuti iwe unofanirwa kushandisa shanduko-yega inopa mazano yveshuwarenzi uyo, nokuda kwemari yakatarwa, achatsvakurudza mazano akasiyana-siyana anowanikwa kwauri uye anokurudzira iyo yakanakisisa inokodzera zvido zvako. Kuti uone kuti chinangwa chiripo, mupi wezano wako haafaniri kunge achibatana nekambani yekambisi yehushuwarisi uye haafaniri kutambira mutemo kubva pamutemo chero upi zvake.
Murume ane makore makumi matatu ane utano angatarisira kubhadhara madhora mazana matatu pagore nokuda kwe $ 300 000 yemishonga yemishonga yemishoni . Kugamuchira huwandu hwekugovera pasi pasi pemutengo wemari wekutengesa kunodhura madhora mazana matatu.
The Bottom Line
Paunosarudza inshuwarisi yehupenyu, shandisa inoshandiswa yeInternet kuti udzidzise nezvehutano hwemishandiro ehutano, tsvaga mutengesi iwe unovimba naye, uye itai mitemo yakakurudzirwa inongororwa nemumwe mupi wehupfumi wechuwarisi.
Internationally anozivikanwa nemupi wezano wezvemari Suze Orman anotenda zvakasimba kuti kana iwe uchida inshuwarisi, tenga nguva; kana iwe uchida kushandiswa kwekutsvaga, kutenga mari, kwete inshuwarisi. Usasanganise zviri zviviri. Kunze kwekuti iwe uri muchengeti wemari uye unonzwisisa zvose zvinorehwa nemhando dzakasiyana-siyana dzemishuwarenzi yehupenyu , iwe unogona kunge uchatenga inshuwarima yehupenyu kwenguva refu.