Funga Nezvokufungisisa Nezve Nzira Iwe Unotarisa Zvese Zvokuchengetedza zveUnited States
Kubata Chikwata ku US Savings Bonds semunhu mumwechete
Kutumira chisungo chekuchengetedza pasi pezita romumwe chete ndiro inonyanya kuve.
Zvinoreva kutaura zviri pamutemo, kune mumwe chete muridzi wezvisungo. Apo muridzi uyu anofa, hutano hunova chikamu cheimba yake. Kana pasina chikonzero chakanaka uye chibvumirano, uye iwe usati wakasarudza mubhadhari (tichakurukurirana izvi muchinguva) zvisungo zvekuchengetera zvingave zvichienderana nemitemo yeInstate Succession via probate. Iyi mitemo yemhaka yakasiyana kubva kune imwe nyika kuenda kune imwe nyika uye inotora nguva, mari, nekuedza kune vagari venhaka. Somuenzaniso, mune dzimwe nzvimbo, wako wako achawana hafu yeimba iyo vabereki vako vachagamuchira imwe hafu. Mune dzimwe nyika, wako wako achawana kusvika pamutengo wakatarwa (saizi $ 20,000) nezvose zvakaparadzana zvakaenzana pakati pemumwe wako nevana vako.
Imwe nzira yekudzivisa kuongorora uye kunyatsotevedzana apo uchiri kuva nehumwe uga ndeyekutumidza zvipfeko zvekuchengetedza muzita rehupenyu hwekuvimba. Nenzira iyo, kana iwe ukafa, mutrasti (kana) anogona kuramba achiita bhizinesi, vagari venhaka yako pakarepo vanogamuchira rubatsiro rweimba yacho nenzira inotsanangurwa mukati mekushandisa chivimbo.
Kuti udzidze zvakawanda nezvenyaya iyi, verenga Sei Kugadzirisa Trust Trust .
Imwe nzira yekudzivisa kuongorora kana kushandisa sarudzo imwechete yebasa rekuchengetedza kweUnited States ndeyekureva zvakananga mubhadharo neUnited States Treasury Department kuburikidza neHaviaryDirect. Pamusoro pekufa kwepakutanga, iyo inonzi savings bond holder, mubhadhari anosimbisa yega yake yeAprivacyDirect account uye anotevera nzira yakananga kuti zvikwereti zviendeswe kwariri.
Kunyangwe kana muridzi wepakutanga akasiya chido, hazvina basa nokuti chirevo chekuwana mari pazvisungo zvekuchengetedza.
Pano pane maitiro makuru ekubhadhara mutero kushandisa shanduko yekuwana mari pamwe chete nemutauro wemumwechete. Iwe wakatove wakadzidza kubva kuInvesting mu Savings Bonds mazano kuti iwe unogona kubhadhara mitero kune chikwerero chinowedzerwa kuzvisungo zvako gore roga rega, kana kumirira kusvika iwe uine mari yezvisungo zvekuchengetedza, uchibhadhara mitero kamwechete. Vanhu vakawanda vanosarudza iyo yekupedzisira. Kana vatenzi vezvisungo zvekuchengetera vachifa uye vachizvipa kune uyo anowana mari, ipapo muwani anokwanisa kusarudza kuti vose vanofarira vawane mari yekuchengetedza yakabatanidzwa pamusangano wekupedzisira wekutengesa mitero yepakutanga, iye zvino akafa muridzi wezvisungo, achiita icho chikwereti cheimba yake. Chaizvoizvo, zvisungo zvekuchengetedza zviri kuendeswa musero musina neimba iyo pachayo kutora tabu. Izvi zvinonyanya kufanirwa kugamuchira mari, apo iyi haisi iyo nzira.
Kubata Chikwata ku US Savings Bonds seCo-Owner
Kubatana pakati pevakaroorana, nhengo dzemhuri, vabereki nevana, kana mamwe mapoka, zvinoreva kuti vanhu vaviri vane kodzero yekuzvisunga pamwe chete. Chero mubati wechikwata anogona kutenga mari yezvisungo zvekuchengetedza pasina mvumo kana ruzivo rweimwe chikamu, zvichikonzera chiitiko chinotengesa kune vose, saka ita izvi chete kana iwe uzere, kutenda kwakakwana mune mumwe munhu.
Bumbiro rehutano rehutano hwekuchengetedza zvinoreva kuti kana imwe yega ichifa, mumwe muridzi wemuridzi anova mutsva, iye oga. Izvisungo zvinopfuurira zvakananga kune avo vanopona, vakanzi venzi kana vachidzivisa kuongorora.
Dzidza Zvakawanda Nekutsvaga muAmerica Savings Bonds
Kunyange zvazvo inowanzonyorwa seisina kukodzera kunyatsofungisisa kune chikwereti chemari, zvichida nekuda kwesangano nezvipo zvekare-kare zvakagamuchirwa nevana pamapato ekuberekwa uye Krisimasi kubva kune hama dziri kure, chikamu chikuru chemhuri dzeAmerica chinofanira kuchengetedza kuchengetwa kwezvisungo zvekuchengetedza vari kumashure kwepfungwa dzavo senzvimbo inogona kuchenjera yekushandisa mari. Izvi zvinonyanya kuitika kana zvikwereti zvinowanikwa zvakanaka zvinokonzerwa uye zvakaringana mutengo zvakapfuma. Sangano rekuchengetedza rinopa kuchengetedza kwakakwana kwemashoko kunotsigirwa nokutenda kwakazara uye chikwereti chehurumende yeUnited States.
Vanopa kudzivirirwa kunonzwisisika kunowanikwa muzvikwereti uye murefu wehuwandu . Kana ukasarudza Nyaya Ichengetedza zvibvumirano, vanogona kunyange kutambira mberi, pane imwe nguva, ne inflation .
Dambudziko guru rekutsvaga mari muzvisungo zvekuchengetedza ndeyemiganhu yekutenga gore negore Congress inoisa pavari. Kwemakumi mashoma mashoma apfuura, inenge yakaita sekunge Wall Street ichiita kuti vezvematongerwo enyika vabvise zvakawanda zvekubatsira kwezvisungo zvekuchengetedza, zvichiita kuti zvisave zvakakosha zvichifananidzwa nedzimwewo, zvigaro zvemari zvemari zvinoita kuti zviwanike kune firms dzinovadzorera. Kutaura chokwadi, ndinoda kuona mari yekuchengetedzwa kwechisungo yakakonzerwa kune chimwe chinhu chakaita $ 50,000 pamunhu mumwe nomumwe, zvichienzanisa nemuganhu unononoka unowanikwa panguva dzakadai se Series Series .