A Tarisa kugoverwa kwePfuma, Chikwereti, Retirement Funds, uye Mitero muSarudzo
Kuti unzwisise zvimwe zvezvakakosha, heino chirevo kune zvimwe zvezvinetso zvemari zvakanyanya zvekurambana. Kuti uwane mamwe ruzivo pamusoro pekugadzirisa matambudziko aya ezvemari, iva nechokwadi chekutarisa Maitiro Akutarisana Nechipatimho Chemari Chine Dambudziko , iro rinosanganisira kukurukurirana kwekutsigirwa kwevana uye kubatana.
Kuparadzanisa Zvimwe Muhurano
Muchato wako uri kusvika pakuguma. Ndiani anowana girazi rekare amai vako vamwene vakakupai Krisimasi yekupedzisira? Ndiani anowana matanda mu GE? Zvakadini nefenicha? Iwe motokari? Iwe unokanganisa sei zvinhu zvakagadzirwa zvemakore ekuroorana? Diving pfuma inogona kunge yakagadziriswa nemutemo wehurumende kana kuti mutemo-wekutonga sezvo ichibvumirana uye kubvumirana pakati pako nemumwe wako. Parizvino, kune zvikamu zvese mapfumbamwe muUnited States (kureva, AZ, CA, ID, LA, NE, NM, TX, WA, uye WI) iyo inharaunda yehupfumi inotaura . Aya mazwi ane mitemo inofunga kuti zvinhu zvose zvakagadzirirwa panguva yekuroorana nemumwe wako zvinonyoreswa semhuri yakabatana.
Imba yemhuri yakazara inowanzoparadzaniswa zvakaenzana pakati pevakaroorana mukurambana. Kunze kwemitemo yakasiyana-siyana munharaunda yenyika, pane dzimwe nzira dzakawanda dzinotorwa pakuparadzaniswa kwemhuri.
Zvinoshamisa kuti vanhu vazhinji vanouya pachibvumirano chakanaka pamusoro pekuparadzaniswa kwepfuma, asi kana pane kusawirirana pamusoro peimwe kana zvimwe zvinhu, kune nzira dzakanaka dzekutora kuti ndiani anowana chii.
Chimwe chezvinhu zvinowanzovhiringidza, apo mumwe mudzimai anotora zvimwe zvinhu achichinjana nevamwe. Semuenzaniso, mudzimai anogona kutora motokari uye midziyo yekutsinhanisa kuti murume awane chikepe. Imwe nzira inoshandiswa mukuparadzana kwepfuma ndeyokutengesa imba yemugove uye kugovana zvakapiwa zvakaenzana. Kakawanda nguva, vamiririri kana vatongi vanogonawo kushandiswa.
Iva nechokwadi chekuzviziva nemitemo inotungamirira kupatsanurwa kwezvivako munzvimbo yako. Iwe unogona kuwana ruzivo rwehurumende yako paD DivorceNet.com. Kuti uwane mazano akawanda pamusoro pekuchengetedza mari mumitemo yepamutemo nekuparadzanisa imba iwe pachako, ona Divorce Central's FAQs pamusoro peMari Dambudziko rekurambana, iro rinosanganisira, pakati pezvimwe zvinhu, kukurukurirana kwakanakisisa kwekanakisisa nzira yekubata nayo imba yemhuri mukurambana .
Kuparadzanisa Zvikwereti muChirorce
Kazhinji zvakanyanya kuoma kupfuura kuparadzanisa imba mukurambana ndiko kusarudza kuti ndiani achava nemhosva kune chikwereti chero chipi zvacho chakaitwa nevarume vaviri panguva yavo. Kuti uite izvi, iwe uchada kuziva kuti iwe unokwereta zvakadini. Kunyange kana iwe ukavimba nemumwe wako zvizere, zviitire iwe rutsigiro uye urongedze gwaro rako rekubhadhara chikwereti kubva kune imwe yezvikwata zvitatu zvekupa zvikwereti. Vanhu vave vachizivikanwa kuti vanokweretesa chikwereti pasina ruzivo rwemumwe wavo, kunyanya apo vari kufunga nezvekusiya imba.
Kunyanya kutarisa danho iri kunogona kutora makore ako mune chikwereti chemaripo.
Zvadaro, enda nemari yemitero uye uone kuti chikwereti chakagoverwa chii uye chiri muzita remumwe wako chete. Panguva ino, zvakakosha kumisa chikwereti kubva kukura chero chikuru kana uri mukutora kurambana. Nzira yakanakisisa yekuita izvi ndeyekudzima akawanda emakadhi ako emakadhi, zvichida zvichida imwe yekushandisa kune zvinokurumidza.
Kana uchinge watora zvikwereti zvako uye wakatora matanho ekuvimbisa kuti haawedzere, inguva yekufunga kuti ndiani achave ane mhosva yekwereti. Kune nzira dzakawanda dzekuita izvi, kusanganisira:
- Kana zvichibvira, kuripa chikwereti ikozvino. Kana uine mari kana zvinhu zvaunogona kutengesa, iyi ndiyo nzira yakachena. Iwe haufaniri kunetseka kuti wako wako achakusiya iwe uine mhosva nokuda kwechikamu chake chechikwereti, uye iwe unogona kutanga hupenyu hwako hutsva husina chikwereti.
- Bvumirana kutora mvumo yematokari mukutsinhana kwekugamuchira zvimwe zvinhu kubva kugoverana kweimba yako.
- Bvuma kubvumira mumwe wako kutora chikwereti chemari chikwereti kuti awane zvimwe zvinhu kubva kune kugovana kweimba.
- Bvumirana kugovera mhaka yezvikwereti zvakaenzana. Kunyangwe pakutarisa kusarudzwa uku kunowanzoonekwa "kwakanaka," inokusiyai imi mose munotambura. Mune mitemo, iwe uchiri nemhosva kana wawakaroorana naye asiri kubhadhara, kunyange kana achitaura chibvumirano chekutora chikwereti chechikwereti.
Matambudziko Emutoro
Vanhu dzimwe nguva vanobatwa mune zvakanyatsojeka uye vachitaura nezvekurambana kwakadai sekuparadzaniswa kwepfuma uye chikwereti, uyo achachengetwa nevana, nezvimwe. Sezvo chikonzero, vazhinji havafungi kuburikidza nemitero inosarudzwa yekurambana kwavo , kutarisira kunogona kukwana zviuru zvemadhora kana kupfuura. Apa ndipo apo gavhuna anonyatsozivikanwa wevanhu (CPA) anowanikwa zvakanyanya sechikamu chenhengo yako yekurambana. Mitero yemitero inogona kubuda kubva kurambana inogona kusanganisira:
- Ndiani achawana mubhadharo wemitero kune vanovimba?
- Ndiani achakwanisa kutora chigaro cheMusoro weMhuri?
- Ndeupi gweta mari inotora mutero?
- Iwe unogona kuva sei nechokwadi chekuti "kuchengetedza" mari inenge iri mutero inobviswa?
- Iwe unogona sei kudzivisa kukanganisa kwekubatsirwa kwevana kusina kubviswa?
Kuti uwane kukurukurirana kwakazara pamusoro pezviitiko izvi, iva nechokwadi chekuverenga 10 Kurambana Kwemitero Yematambudziko uye Kurambana uye Matambudziko Emitero. Zvechokwadi, semutemo wemutero unoshanduka uye mamiriro ako akasiyana-siyana angadikanwa kunyatsofungisisa, iva nechokwadi chokuti unobvunzawo unyanzvi wemitero.
Urongwa Hwehupfumi Hwokurambana muChirorce
Kana mumwe wako aine mari yekurega mari, iwe unogona kunge une kodzero, nemutemo, kusvika hafu. Mari iyi inogona kushandiswa pakubhadhara iwe pachako kana kuti kubhadhara kuripo paimba, kuendesa kune dzimwe nzvimbo, kana zvimwe zvezvino mari. Kuti udzivise chirango che10% pamusana pokubviswa kwekutanga, iva nechokwadi chekutevera mitemo ye IRS, iyo yakafukidzwa muD Divorce uye Retirement Assets: Kuwana Mari Pasina kuwana 10% IRS Mutero. Nyaya inokosha yekuparadzanisa kwemari yekusarura ndeyokuti kana zvinhu zvingave zvichikwanisika kana kuti zvisingakwanisi kubhadhara mari yako yekubatira mari, zvinowanzoita kuti iwe pachako iwe unotora basa rekurega basa richava guru. Somugumisiro, kwete chete iwe unofanira kufunga nezvekuti zvinhu izvi zvichaparadzaniswa sei, asi kuti iwe ucharamba uchizvipa sei kuti uchengetedze ramangwana rako rezvemari mukurasira (kunyange sekusvika kwako munguva yemberi inogona kunge iri mubvunzo zvakare).
Dzidzidzise
Kurambana kunogona kubudisa zvakanyanya kune vamwe vanhu, uye iwe unofanirwa kuziva kuti kunyange vanhu vakatendeseka kupfuura vose vanoedza kubiridzira kana zvasvika pakugadzirisa mari mune kurambana. Vakaroorana vangave vari pasi-vanyorera mari, bvunza vashandi kuti vanonoka kubhadhara guru kana kuwedzerwa kwemari, pakati pezviito zvekusatendeseka. Vakawanda vanotambura ndevaya vane mudzimai wavo vane bhizinesi rakanyanyobatanidzwa. Kuzvidzivirira kwakanakisisa paunotarisana nematambudziko emari ekurambana ndeye zivo. Zvinonyanya kukosha kuti vose vakaroorana vadzidzise pachavo nezvemari yavo pamwe chete kuitira kuti hapana chinoramba chiri chakavanzika chekuregererwa. Mumhaka yekurambana, kusaziva hakusi kufara.
Zvimwe Zvinyorwa zveNyaya dzeMari dzekurambana
Kuti uwane mamwe mashoko pamusoro pezvinetso zvemari mukurambana, iva nechokwadi chekukurukura Maitiro Okutarisana Nechipatimho Chemari Chinokonzera Kurambana .