Kufa Pasina Kuda Kunoreva Kuvimba nemirairo yeUtestate Succession
Unofara iwe wakabvunza! Ngatishandire muchirongwa chekuti iwe uende nekunzwisisa zviri nani chekuita. Mhinduro shomanana: Inogumira. Tisati tapinda mune zvakananga, tinoda kutaura pamusoro pechinhu chinonzi "intestate succession".
Kana Iwe Usingaregi Kuda Paunenge Wafa, Nhaka Yako Inogona Kuzviisa pasi Pemitemo yeInstate Succession
Zvichiitwa kuti zvakajairika kuti vanhu vafe vasina kuda, masangano ezvematongerwo enyika makumi mashanu ari muUnited States apedza mitemo yavo pachavo inotungamirira kuti sei pfuma, kusanganisira imari, inotora nhaka; hutungamiri, mugove, uye kurongeka. Hurumende imwe neimwe yakasiyana, zvinoreva kuti migumisiro inogona kusiyanisa zvakasiyana-siyana zvichienderana kana iwe uri kurarama muAlabama kana kuNew York, Colorado kana kuMichigan. Mumba mangu mamiriro eMissouri, pamusana pekufa kwemunhu asina kusiya chikamu, izvo zvinonzi "mitemo yakawanda yemadzinza" inotanga kushanda. Dzinowanika muChikamu 474.010.1 yeMissed Revised Statutes.
Chinhu chose chinogona kutora nguva, zvichida kwemakore, sezvo nzvimbo yacho inofanirwa kuenderera mberi asi iyo inotongwa nedare inotevera kana ichiparadzanisa zvinhu:
- Kana munhu akapfuura ("decedent") asina vana, mudzimai wake anowana 100% yeimba.
- Kana iyo yakasununguka ine vana, mudzimai wacho anowana nhaka ye $ 20,000 yekutanga yeimba uye makumi mashanu kubva muzana yeimba yepamusoro nevana vari kuparadzanisa makumi mashanu ega asiri pakati pavo.
- Kana mudzimai wacho akafa zvakare kana kuti chibvumirano chakanga chisati chachata, vana (kana kana vakafa, vana vavo) vanogara nhaka yose muzvikamu zvakaenzana.
- Kana pasina mumwe wawakaroorana naye kana vana, chiremera chacho chakaparadzaniswa zvakaenzana pakati pababa vake, amai, hama nehanzvadzi, kana vana vavo muzvikamu zvakaenzana.
- Kana pasina mumwe wako kana vana, vana vomumba kana vabereki, iyo decedent's estate yakakamurwa zvakaenzana pakati pekurukuru vake, vanasekuru, vanamunini uye vanamunini, kana vana vavo muchikamu.
Inoenderera mberi uye ichienda kune imwe nzvimbo kuti iwe unogona kunge uri kutarisana nemamiriro ekure akanganisa zviri nani muDowntown Abby script nezvinhu zvakagadzirirwa nevakasara vakarovererwa mukoma wechipiri zvakasunungurwa kaviri kunze kwepamusoro, iyo pfuma yakasara shure pasina kuda "inotsvaga "kuhurumende. Izvi zvinoreva kuti chinhu chose chinobudirira chinodzokera kumusangano nenzira yekubatwa nehurumende, iyo inoshandisa iyo mubhajheji yayo yose kubhadhara zvinhu zvakadai semigwagwa uye dzidzo.
Zvinosuruvarisa, mitemo yekutsanangurira humwe nguva dzimwe nguva inotungamirira kune zvinotyisa zvisingabatsiri kune avo avo, vakapa mamiriro ezvinhu chaiwo muhupenyu hwenyu, mungadai maida kugara nhaka yenyu yekutsvaga uye pfuma (iyo ndeimwe yezvikonzero zvaunofanira kugara uchida).
Semuenzaniso, mune dzimwe nyika, inowanikwa kubva pamusana werufu unokanganisa inobhadharwa maererano nemitemo yeimba yakabudirira pasinei nokuti pane kuda kana kwete! Vamwe vanoti vane nhaka yezvizvarwa zvisinganzwisisiki kutaura zvishoma. Funga nezveAlabama. Iko, kana munhu akaroora asina vana uye ivo vachifa vasina kuda, mudzimai wemunhu iyeye anowana nhaka ye $ 100 000 yeimba iyo mushure mokunge mudzimai wacho aifanira kutora hafu yeimba yakasara uye imwe hafu kuenda kumunhu akafa . Izvi ndezvechokwadi kunyange kana mubereki ainge achitambudza, mwana (iye zvino mukuru) mwana akanga avadzivisa kubva muupenyu hwake, uye iye akavaramba zvachose.
Kunyange Kana Iwe Usingaregi Kuda, Zvimwe Nhaka uye Nhoroondo Ichapfuura-Kupfuura Izvo Zvakanaka Mazano neMitemo
Imwe nzira iyo iwe unogona kutenderera nekushayikwa kwechido kana mitemo yekutenderera kwekutenderera ndeyekutora pfuma nenzira nenzira iyo inokunda zvimwe zvose zvinofungwa.
Ngatimbofungidzira kuti iwe unobata $ 500,000 yeblue blue stocks mubhadharo rekubhadhara mari inotengesa iwe iwe unoti se "vashandi pamwe chete" (kana iwe wakaroora uye nyika yako inobvumira vakaroorana kuita izvi). Kana, zvichida, iwe unoritora sekubatana nekodzero yekupona, kuisa muzukuru wako waunoda pane account. Kunyange zvakadaro, zvichida iwe unoshandisa "kubhadhara parufu" mukurumbira wehanzvadzi yako, uyo akatsigira iwe kuburikidza nehutete uye hutete. Kana iwe ukafa, hazvina basa kunyange kana iwe uine chido chinotaura chimwe chinhu chakasiyana nechokuremekedza nokuti iyo pachayo pachayo inogona kuregererwa sezvinotaura nezvezvinhu zvakadaro! Izvi zvinogona kunge zvisinganakidzi nokuda kwekukurumidza-uye-nyore nyore kuita-it-iwe nhaka yekugadzirisa nhaka. Zvechokwadi, iwe unogona kuishandisa zvakare pane zvaunobatsira nokuti kuripa pamagumo ekufa kunokubvumira kuti uwedzere kuwedzera yako FDIC yunivhesiti mumamiriyoni emadhora kana iwe ukazviita zvakarurama .
Izvo zvakaderera pane izvi zvose ndezvokuti vanhu vanogona dzimwe nguva kukanganwa kugadzirisa mapepa avo kana kuti vanokundikana kuita purogiramu dzenguva dzenyaya dzavo dzekodha kuti vaone kuti hapana chakachinja. Zvinonzwika sechinhu chiduku asi hupenyu hwave huri kuparadzwa nemari pamusoro payo. Somuenzaniso, kana iwe ukamisa 401 (k) makumi emakore akapfuura pawakaroorana nemurume wako wekutanga kana mudzimai wawakanga usina vana, uye akazoroora uye akaroroorazve kune mumwe wawakaroorana naye, asi hauna kumbovhiringidza rongedza fomu yemubatsiro paurongwa hwako hwokurega basa, paunofa, wawakaroorana naye anowana zvose kunyange iwe usina kumboona kana kunzwa kubva kwaari mumakore. Iwe wakabudirira mune zvekutsakatisa mhuri yako neyezvibereko zvebasa rako kuenda kune mumwe munhu asiri chikamu chehupenyu hwako. (Izvi zvinoshungurudza zvikuru apo 401 (k) uye IRA vatungamiri vanovandudza mapepa avo emitemo mukati mega, kunyange kana vakapa chiziviso kune vatengi.Vanguard yakaipa yakashandura vatsigiri pane chimwe chinhu chakaita se100 000 + maakaita kuti zvinyatsogadzirisa zvirongwa zvayo. asi nhamba dzisingagoni kudzivirirwa kuti mumwe munhu, kana kuti akawanda eimwe, acharasikirwa nhaka yavo semugumisiro kunyange kana mutengesi asina kumbofunga kana kuti achida kuti zviitike.)
Izvozvo ndezvechokwadi kune avo vanobhadhara pane zvimwe zvigadzirwa zvemari uye zvibvumirano zvakadai senishuwarenzi yehupenyu uye annuities. Iwe uchida kana usingafi usina kuda, vatsigiri vakarondedzerwa panhoroondo, kusanganisira mabhadharo emarenda, vanotanga kupfuura vamwe vose. Kazhinji, pachava nezvikwata zviviri zvevakabatsiri: vanobhadhara mavambo uye vanobatsirwa. Kazhinji, avo vanobatsirwa zvikuru vanogara nhaka sekirasi uye chete kana vose vakafa panguva yaunopfuura iyo vanozobatsiri vagova nekodzero yekucheka pesa.
Mufananidzo unogona kubatsira. Fungidzira tiri vazhinji, makore akawanda mune ramangwana uye uri chirikadzi kana murikadzi. Iwe une $ 1 000 000 muRoth IRA yauri kuvaka pamusoro pemakore makumi emakore. Iwe une dare rakachengetwa muCharles Schwab, Merrill Lynch, Northern Trust, kana imwewo yakasimba yakasimba. Iwe unonyora vana vako vatatu sevanonyanya kubatsirwa. Iwe unyore vazukuru vako vashanu sevakabatsiri vako. Uyezve fungidzira kuti, kana iwe wapfuura, mumwe wevana vako anenge atofa, apfuura makore mashoma apfuura. Izvi zvinoreva kuti kune vaviri vakasara vanogona kubatsirwa. Vaizoita zvino imwe neimwe inotora chikamu cheIRA panzvimbo ye1 / 3 uye avo vanozobatsiri (vazukuru) havazogoni kuwana chero chinhu kubvapo vachiri ivo vanogona kubatsiridza mberi kwavo mumutsara wokubhadhara.
Zvimwewo, iwe unogona kutora nzvimbo yako muzita rehupenyu hunoparadzaniswa hutariro , iyo, kana yakagadzirirwa zvakanaka, ne-inotarisa kuongorora zvakare. Nhaka dzakachengetwa nenzira iyi, kunyange kana iwe ukafa usina kuda, unotarisirwa nemutrasti , wakadai sedhipatimendi rebhanki rekuchengetedza , sezvinowanikwa mune chimbo chekutendesa.