Kuti Bhizimisi Imiti Inotora Sei Inobhadharwa?
Imba yemitero muhurumende yepamusoro inyaya yakasiyana. Pakati pematunhu gumi nemashanu pamwe neDunhu reColumbia rinorayira mutero uyu, vose vanopa zvikwereti zvishoma zvishoma.
Kana nzvimbo yako inotengesa kuhurumende kana federal estate tax purpose, mumwe munhu achafanirwa kugadzirira, kuisa uye kuisa mutero wekudzokera. Mumwe munhu achazobhadhara chikwereti. Icho chichava mumiririri wako wega, mutongi anotsiva, kana munhu mumwe nomumwe anobatsirwa ?
Mhinduro yacho inobva kune imwe nzvimbo yako inogona kuongorora kana iwe wakagadzira chivimbo chehupenyu.
Chii Chinoitika Kana Zvimwe Zvako Zvichienderana Nezvakaitika?
Mumiririri wega kana kuti mutongi achaisa cheko chekuti ubhadhara mitero uchishandisa mari yeimba kana nzvimbo yako iri pasi pekuongorora. Ane mutoro wekugadzirira uye kuisa nzvimbo yako yekutengesa mitero yeInternal Revenue Service uye hurumende dzekuteresa hurumende.
Uye Kana Imba Inenge Isingadi Kubvumira?
Zvichipa kuregererwa kwekuregererwa kwemazuva ano, hazvisi nyore kuti nzvimbo yako ingadai yakabhadhara mitero yematoro kana iwe usina chirongwa chemugove uye nzvimbo yako iduku zvikuru kuti uwane probate.
Munyika dzakawanda, zviduku zviduku hazvisi pasi pese-probing probate nokuti vanofanirwa kuti vape chidimbu kana kuti zvigadziriswa nzira yekuendesa chivako chechivako.
Zvivako zvakakura zvinoda kuongororwa kunyange kana iyo yakafa isingadi kuda kana chirongwa chemarimba nokuti probate ndiyo chete mvumo yepamutemo inotungamirirwa nehupfumi hwepfuma yake kune vanorarama.
Muchiitiko ichi, dare richagadza mutungamiri panzvimbo pemumiririri wega kana kuti mutongi mukusavapo kwechido, uye mutungamiri achiri kutarisirwa kubata uye kubhadhara mitero kubva kumunda.
Zvakadini Kana Iwe Uine Zvose uye Chivimbo?
Chikamu cheimba yako chinotarisirwawo kuongorora kana iwe uine chido chekudururira uye chekuregererwa mararamiro ehupenyu . Ichitsvaga chichatungamirira kuti chero ipi zvayo yaunayo panguva yekufa kwako inofanira "kudurura pamusoro" uye kutamira kune iwe. Kunyange zvazvo pfuma yakatove yakachengetwa mukutenda kwako hakudi kuongorora, zvinhu izvi zvisingabvumirwi zvinofanira kuongororwa kuitira kuti zvigone kuenda kune iwe.
Muchiitiko ichi, mutsigiri anotsiva we trust yako angangove ane mhosva yekutumira nzvimbo yako yemitero inodzoka ne IRS uye hurumende dzekutora mitero. Achabhadhara mutero kubva kuzvitengo zve trust uye mari. Mutungamiri wenyu anotsiva ndiye munhu wawakatora kuti atore kutungamira kwehupenyu hwako hwekunamatira hutendeuka paunenge uine pfungwa dzisingakwanisi kuita kana kufa.
Kusiyana Kunokosha
Mune mamwe maitiro akazvimirira ari oga, probate haitarisirwi nokuti zvinhu zvose zvinokosha zvakagadzirwa ne decedent zvinopfuurira zvakananga kuvatsigiri nekontrakta kana kushanda kwemutemo.
Izvi zvinosanganisira zvivako zveumwe munhu ane kodzero yekuchengetedza, kana hutano hwehutano hwehupenyu uye kubhadhara mari. Kana kukosha kwezvinhu izvi zvose kuchidarika federal uye state estate tax tax exemptions, vanobatsirwa vanogona kunge vari kutarisira chero mitero inokodzera. Kana iwe ukazviwana uri mumamiriro ezvinhu aya, gamuchira mazano kubva kumubhadharaji kana kuti mutongi wenheyo pakarepo kuti aone kuti zvakanakisisa sei kuti uende uye kuti uone kuwanda kwemhosva yako.
Pasinei nokuti basa rekubhadhara mitero yekutengesa inowanzowira kune muurayi weimba, imba yekuongorora inenge iga haisati ichitsvaga kana mitero yematoro inokonzerwa. A decentent's taxable estate inosanganisira zvose zvaanazvo kana kuti anofarira panguva yekufa kwake - kusanganisira yveshuwarisi yemari kana yeimba inoshandiswa kunze kwekuongorora svondo, chiito kana kushanda kwemutemo.
Apo probate pfuma isingakoshi asi izvi zvimwe zvinhu zvine kukosha kwakanyanya, zvinenge zvisingakwanisi kuti nzvimbo yekuongorora ingadai isingakwanisi kubhadhara chero misha yemitero inokodzera - inenge isina mari yakakwana.
Ichi ndicho chimwe chikonzero nei kuva nepurogiramu yemagariro munzvimbo yakakosha. Kana uri kuronga nzvimbo yako, bvunza gweta kuti urege kuita izvi. Kana uri kuedza kugadzirisa nzvimbo iyo iyi ndiyo mhaka, iwe unoda rubatsiro rwegweta, auntian kana maviri.
Cherechedza: Mitemo yehurumende nemunharaunda inochinja kakawanda uye ruzivo rwuri pamusoro harungaratidzi kuchinja kwezvino. Ndapota sangana nemweya wezano rinonyanya kukura. Mashoko aya ari munyaya ino haisi yemutemo kana mitero yezano uye haisi kutsiva mazano emutemo kana emitero.