Kuva Wakaroorana Unogona Kufungisisa Mari Yako Yega
Nhamba yemhuri inobatsira inowedzera - maererano neHurumende Accountability Office, kune kodzero dzinokwana 1,138 dzakabatana nesangano rechikwata chekuroorana [ Chinyorwa PDF ], mamwe acho anotonga zvinhu searcane mitsva yemvura pamigodhi uye kodzero dzemvura kubva kuimba inotengeswa kuGermany hurumende - saka ndinoda kutarisa pane zvishoma zvichange zvakakosha kune vaverengi venzvimbo ino.
1. Iwe Unogona Kuita Kuti Uve Nomukadzi Wakawanda IRA
Imwe nyanzvi yemari yemari yekuroorana ndiyo kukwanisa kugovera kune imwe nzvimbo yekugara yemutero yakadai saRoth IRA uchishandisa mari yako yawakaroorana nayo kukurudzira kukodzera kunyange iwe usina basa kunze kwemusha. Izvi zvinoita kuti zvive nyore kune vakaroorana mune imwe yemapato ndiyo chete inopa mukana wekuisa mari yakawanda yekusarura pane zvingave zvingaita. Kune vakaroorana vechidiki, izvi zvinogona kuva mutambo wekushandura nokuti zvidiki zvishoma zvinowanikwa nguva dzose zvingaguma nemamiriyoni akawanda emamwe madhora emari yakakosha pamusana pokurasikirwa kana iwe wakarangwa, wakangwara, uye wakagadzikana.
Zvose zvishoma zvishoma zvinotora.
2. Unogona Kubvisa IRA Wako Womuvakidzani MuIra Yako IRA Pamusoro Pokufa
Imwe nyanzvi yemari yemari yekuroorana ndeyekuti murume akaroora akaroorwa semunhu anobatsirwa nekambani yekubvisa mari yakadai seChechi yeIra, Roth IRA , kana 401 (k), inogona kupfuurira pamusoro pezvinhu zvakachengetwa mumatumba ematero aya mune imwe nhoroondo mu kana zita rake pachake, kunyangwe kusungirirana nezviripo, nhoroondo dzakafanana.
Izvi zvinobatsira kuvimbisa kuti chirikadzi kana murikadzi haasi kururamisirwa zvisina kukodzera nekurasikirwa kwemitero-yakasarudzwa kana kuti mitero isingabhadharwi pamusoro pekugara kwemari yekuchengetedza basa nokuti iye akarasikirwa nomurume kana mudzimai wake.
3. Unogona Kuendesa Zvinhu Zvisingaverengeki Kune Mumwe Nomumwe Pasina Chipo Mitero kana Estate Tax
Hapana mhedziso kune kukosha kwemari iwe unogona kutengesa pakati pevakaroorana, uye hapana mimwe mitero yekufa yakakodzerwa nefuma inotora nhaka nemudzimai anoramba aripo; mari yakawanda yemari yemhuri yemhuri umo mumwe kana vanhu vose vainakidzwa nemari yakawanda uye / kana inokosha yekuunganidza mari. Vamwe vanoti kunyange vane huwandu hunokosha hunosimbisa kuti "Joint ne Right of Survivorship" inongowanikwa chete kune vakaroora avo vanyoresa varidzi vezvivimbiso zvakadai senhengo dzebato mumakambani mashoma emhosva .
4. Iwe Unogona Kudzokorora Gore Renyu Rwakaitwa Nemupiro Wechipo Chekupa Mitero
Iwe unoda here kupa vana vako, vazukuru, vana vadiki, vana vazukuru, shamwari, vana vemunin'ina, kana imwe mimwe mitero inowanikwa inoshandiswa mari, zvichida kuvabatsira kutenga imba yavo yokutanga, kubhadhara chikoro, kana kutanga kutanga kuvaka purofisi yavo yekushambadzira? Congress inobvumira munhu mumwe nomumwe kuti ape mubhadhari $ 14,000 pagore risina kukonzera mutero wechipo (iyo inofanirwa kubhadharwa nemunhu anopa chipo, kwete mupiririri, pamusoro pemari yakapiwa kana kuti chipo ichocho chizoshandiswa kumunhu wepano kusunungurwa kunokonzera mberi kweimba yemutero).
Vakaroorana vanogona kuyananidza mitero yavo yebhadharo, vachipa $ 28,000 pamubatsiri. Vangangodaro kunyange vanoenda mberi nekushandisa kushandiswa kwekodzero uye mhuri inobatana inopa humwe huwandu hwakavakirwa kubva pamatare ekare emitero anotonga ayo ari kure nekukura kwekukurukurirana uku (taura nemunhu anokwanisa mutemo nemuteresi wezvemitero). Usafungidzira kuti izvi zvingave zvakakosha zvakadini.
Kuenzanisira: Fungidzira iwe wakagadzira dendere rakakura. Iwe une mwanakomana. Iye akaroorana nemwanakomana wemwene wako uye vane vana vatatu. Kubatanidza zvipo zvako zvekupa mubairo wako nemumwe wako, iwe unogona kupa $ 140 000 kwavari semhuri pamwe chete pakati penyu mose (semuenzaniso, iwe unopa mwana wako $ 14,000, mudzimai wako anopa mwanakomana wako $ 14,000; iwe unopa mwanakomana wemwanakomana wako $ 14,000, mudzimai wako anopa yako mwanakomana wemwanakomana $ 14,000; iwe unodzokorora izvi nemumwe wevatatu vatatu).
Kana, pane kudaro, iwe wakagadzira chimwe chinhu chakafanana naJohn Smith Family Holdings, LLC, uye wakapa $ 280,000 muzvinhu kwauri, mutauri wemutero akanaka angave akakwanisa kuwana 50 muzana kutengesa kushandiswa kwezvikwata zve LLC nhengo dzemhuri dzakagadzirirwa $ 56,000 pagore, zvisina kurongeka, pasina mutero wakakwereta; mari iyo yakakanganiswa mune izvo zvinorehwa nemhuri yega yega yemari mari inokubvumira kuti uwedzere zvakanyanya mari pasi pemiti yemhuri pasina vezvematongerwe enyika kuisa maoko avo pane imwe yaro.
5. Une Unhu Hwakanaka Mukushamiswa Kwemakumbo muChiitiko Chawakaroorana Naye Anopedzisira Asati Ada
Imwe nyanzvi yemari yemari yekuroorana ndeyokuti mudzimai anenge aripo ane chinhu chakakosha, kazhinji chinonyanya, chinzvimbo chepamusoro pamusoro wefa renhaka apo kana murume wake kana mudzimai wake apfuura asina kuda. Mumba mangu mamiriro eMissouri, somuenzaniso, murume kana mudzimai ari mupenyu-achararama nhaka ye $ 20,000 yekutanga pamwe ne50 muzana yezvinhu zvose muimba yemudzimai, pamwe chete nemamwe makumi mashanu ari kuenda kumukadzi wakafa wevana kana vana vakagamuchirwa, kuburikidza . Sezvo zvakakosha, kudzivirira kodzero iyi, mukadzi anenge ari mupenyu ane kodzero yekuzivisa kuongorora nyaya mumatare edzimhosva.
Iva nemafungiro, zvisinei, kuti zvinhu zvakanyatsozivikanwa zvakadanwa kuti vanobatsirwa pamiganho yekurega basa uye vanobatana nekodzero yokupona kana kubhadhara pamagumo ekufa pamabhengi ebhangi anosimudzira zvose zvakadzama uye zvakanyorwa. Pakave nezviitiko zvevarume vakaroorana nemakumi emakore, kungova nemurume wekare kana kuti mudzimai wekare, uyo asina kumbove ari pamufananidzo wemakore makumi matatu, makumi mana, uye makumi mana (k) nhoroondo nekuti yekutanga rubatsiro rwekuwana rubatsiro rwakanga rusingamboshanduri. Hapana chinhu chaunogona kuita nezvazvo, zvimwe. Iva nechokwadi chokuti mapepa ako aripo!
6. Une Kodzero Yokuvandudza kana Kuwedzera Chirongwa Pakupedzisira Kwako Muongorori Wezvakanaka Zvepfungwa
Intellectual property inogona kuva chinhu chinonyanya kukosha chekuwana mari . Kana murume wako kana mudzimai wako ane kodzero pamabhuku, mumitambo, mumhanzi, kana mamwe mabasa, unogona kuchengetedza iwe pachako uri oga weimba iyo kana iye achiri mupenyu, kuchengetedza pfuma yako kuchengetedza mari yeimba yako kana vagari venhaka zvakawanda yakareba kudarika zvingave zvingaita.
7. Iwe Unogona Kuva Nechinangwa Chekufa, Pension, uye Kuponeswa Kwemunhu Wako Wako kana Wawakaroorana Naye
Spousal Social Security inobatsira, Veteran benefits, Veteran property tax exemptions, $ 100,000 mubhadharo wevanhu vanochengetedzwa nehupfumi vakaurayiwa mumutoro webasa, kukwanisa kuramba vari pavanoshandisa hutano huripo, kodzero yekuunganidza vashandi mari yekubhadhara uye mibairo, zvichienderana kuunganidza zvikwereti mumugwagwa, vashandi vekuchengetedza, uye marefu eminda minda, kubatsirwa kwemauto ekurasikirwa, kubatsirwa kwekuchengetwa kwekuchengetwa kwemusha, federal mushandi anoponeswa ... kana wawakaroorana naye akashanda mune rimwe rudzi rwekurega basa kana kuti hurongwa hunobatsira kana maitiro, sehwindo kana murikadzi, vachakwanisa kuramba vachiunganidza zvimwe zvezvikodzero.
8. Iwe Unogona Kudzokorora Zvirongwa zveCondominium Pakati Pako uye Unofarira Kuregererwa kubva "Kutengesa-Kutengesa" Zvikamu Zvimwe Chetabhendi Akadai Sezvokuchengetedzwa Kwekuchengeteka
Kana iwe uchida kutumira imba yemudzimai kune umwe wako kuti uone kuti inogara mumaoko ake (kana nokuda kwechimwe chikonzero), pasi pemamiriro mazhinji, iwe unofanirwa kuregererwa kubva kune zvinhu zvakadai se "chikonzero chekutsvaga" zvinyorwa zvinotora mari Zvose zvakakwana zvinouya nokuti kune kuchinja kwehuyo.