Tsanangudzo yeMubatsiri
Mufambisiyo ndiro izwi re inshuwarisi yehupenyu kana yekambani yeinishuwarenzi yemainisitiri iyo inoratidza kuti ndiani achawana rubatsiro kana chiitiko chekufa inshuwarisi.
Mutemo unogona kuva nevanopfuura vanobatsirwa. Munhu anobatsira anogona kugadziriswa kana kusagadzikana. Munhu mukuru anobatsirwa ndiye munhu anotanga kuwana rubatsiro rweinishuwarenzi.
Kana munhu mukuru akawana akafa ndiye muwani wezvakabatsiri aizowana mari yehushandi yemishandiro. Munhu ane ruzivo rubatsiro anowanzonziwo wechipiri anobatsirwa. Zvakakosha kunzwisisa basa reanowana mari mubvumirano yeinishuwarenzi kuti uone kuti pasinei nemamiriro ezvinhu munhu akakodzera achawana rubatsiro. Munhu anobatsira anogonawo kutaura kune mumwe munhu anowana zvikwereti kubva kunehutano hwehutano inshuwarheni sekubhadhara kwehutano hwehutano.
Nzira Yokusarudza Mubatsiri Wako
Kusarudza mubhadharo we inshuwarisi yehupenyu kunogona kunge kwakaoma sekufunga kuti rudzi rwe inshuwarisi yeupenyu inotenga. Kunyange zvazvo dzimwe mamiriro ekutumidza zita rakagadziriswa ari nyore, unofanira kufungidzira zita remunhu anobhadharwa kana kuti wechipiri anobatsira uye kuongorora kusarudza kwako kubatsiri munguva yose yehupenyu hwako kana mamiriro ako ezvinhu achichinja, kana kana ukashandura inshuwarisi yehupenyu .
Ndiani Anowana Mari Kubva Muupenyu Hwako Inishuwarenzi
Zvinhu zvitatu zvinonyanya kukosha paunyoresa inshuwarisi yehupenyu hwako zvinenge zvichipfuura kuongorora inshuwalano yehutano hwehutano , kusarudza huwandu hwehuwandu hwekugovera, nekusarudza mubhadhari. Mushure mezvose, muzuzi wako kana kuti vanobatsirwa vachava ndivo (ivo) vachawana mari kubva pamutemo wenyu mushure mokufa kwenyu.
Iwe uchava nemukana wekuziva kuti iwe unobatsirei kana kuti vanobatsiri sechikamu chemashizha enyu inshuwarano yehupenyu. Muchengeti wacho anofanira kuonekwa zvakajeka sezvinobvira, achishandisa zita rose uye, kana zvichibvira, nhamba dzekuchengeteka kwevanhu uye mazuva ekuberekwa. Ipa ruzivo rwakawanda sezvaungagona pamusoro pemubatsiri wako kuitira kuti awanikwe uye anonyatsozivikanwa panguva yekufa kwako.
Kunyoresa Kuwanda Kwokutanga Kune Mumwe Mupi Mukuru Mupiro
Zvinokwanisika kutumidza zvinopfuura imwechete yekuwana rubatsiro nekupa chikamu chemishonga inshuwarisi yehupenyu pakati pevanhu vashomanana muhushandi hwehushuwarisi hwehupenyu hwako.
Nzira Yokusarudza Mubatsiri
Hapana munhu anogona kuziva kuti ndiani waunobhadhara iwe anofanira kunge ari iwe kunze kwako. Iwe unofanirwa kutora zvinhu zvakawanda mukufunga, sechikonzero chekuti une inshuwarisi yehupenyu uye ndiani angasara nemari kana kuti ndiani angada kubatsirwa zvikuru mushure mekufa kwako. Heano mimwe mienzaniso yekushandisa dzimwe nzira pakusarudza mubhadhari wako kune mamiriro ezvinhu ehupenyu hwakasiyana.
Kusvetesa Muzuzi Mukuru MuUshandi Wenyu Wemainishuwarenzi
John anoroorwa zvakare nevana vaviri kubva kumukadzi wake wekutanga. Ane pamba nemudzimai wake mutsva, uye kunyange zvazvo achimuda zvikuru, anoziva kuti haasi iye akakwanisa pakugadzirisa mari.
Anonetseka kuti kana akazofa, kuti angave akaoma nguva yekugadzirisa mari yevana neimba. Anoda kuve nechokwadi chokuti ane zvakakwana kuti ararame zvakanaka, asi kuti vana vachagamuchirawo mugove wavo wakafanira wehutano inshuwarano.
Mushure mokurukurirana nezvemamiriro ezvinhu pamwechete, vanobvumirana kushandisa nzira yakasiyana yehupenyu hwe inshuwarano yehupenyu. John anosarudza kusiya 30% ye inshuwarisi yehupenyu hwake kwaari semuenzaniso wekubatsira uye 70% kune vana. Izvi zvinopa mudzimai wake mari yakakwana yekufukidza zvose zveimba uye vana vake zvakakwana kuti vawane mari yekoroji.
Kutsemura Mupiro
Maria asina kuroorwa, anosarudza kutenga inshuwarisi yehupenyu hwehupenyu hwose paanenge achiri muduku kuti awedzere mari yake nekuchengetedza inshuwarisi yeupenyu shoma, pane kungomirira kusvikira iye akaroora nevana.
Kunyange zvazvo aishamisika kana aida inshuwarisi yehupenyu , mushure mokuita tsvakurudzo, akaverenga kuti kutenga kare kunomubvumira kuchengetedza mari munguva refu, kubhadhara inshuwarisi yehupenyu hwake panguva yaanenge 40 uye kutarisira mari yake.
Ane dambudziko, kunyange zvakadaro, haana vana vanovimba naye. Anosarudza kutumidza amai vake nehafu ye inshuwarano yehupenyu uye shamwari yake yepamusoro kune imwe hafu. Anoita kuti muzuzi wacho aparadzwe kuitira kuti kana mamiriro ake ezvinhu achichinja muupenyu, anogona kuchinja nguva dzose. Iyi haisi mamiriro akafanana ekutumidza munhu anopa mari, achiparadzanisa muwanikidzi anobvumira kubatsirwa kugoverwa pakati pevanhu vaviri.
Mubatsiri Anopupurirwa Muupenyu Inishuwarenzi
Erizabheti naDoug vari kuroora, vanotenga inshuwarisi yehupenyu nokuti vanoda kuchengetedzana kana pane chimwe chinhu chichiitika kune mumwe wavo, vanogona kuziva imwe ichachengetedzwa nguva dzose. Vanodana mumwe nomumwe sevanobhadhara asi vanoziva kuti pose pavanenge vachifamba vari pamwe chete. Mutungamiri wavo wehushuwarano hwehupenyu anoratidza kuti vanosarudza avo vanobatsirana kana vari kufa mujodzi pamwe chete.
Elizabeth anosarudza hanzvadzi yake, uye Doug anosarudza munun'una wake. Vanoparadzanisa avo vanovabatsira kuti vape 50%, izvi zvinovavimbisa kuti ivo pachavo vachawana mugove wakakwana wokuvhara mari yemari kana chimwe chinhu chakaipa sekufa kwavo kose. Vanoita kuti muzuzi wacho aparadzwe kuitira kuti vagone kugadzirisa izvi sezvinoitika nguva uye hupenyu hwavo hunochinja asi hune hutano mukuziva kuti mari ichaenda kwavanenge vachida kuti vaite mune imwe nguva yekufa kwavo.
Secondary Beneficiary, Kupona Muwani, uye Vana
Jim naTina vakasarudza kutenga rimwe remishonga inshuwarisi yehupenyu kuti vadzivirire mhuri yavo mune zvemari kana vaisakwanisa kuita kudaro. Kana Jim kana Tina vakafa, mudzimai anenge aripo ndiye aizova mukuru wekubatsira. Dai Jim naTina vakazofa mwana wavo wekare aizowana mari kubva kune inshuwarisi yehupenyu nokuti mwana wavo wekare ndiye akasarudzwa naJim naTina sevane nhengo kana yechipiri vanobatsirwa.