Iwe uchazadza SOFA kana iwe ukaisa Chitsauko 7 , Chitsauko 11 , kana Chitsauko 13 . Kunyange zvazvo chimiro ichi chinoratidzika sechinyengeri chiri nyore ne "chengetedza bhokisi" maitiro uye seinoita semibvunzo yakananga, inofanirwa kupedzeredzwa nekuchengetedza kuti uone kuti iwe wakazivisa ruzivo rwaunotsvaka zvachose uye rwakarurama. Pasi pane mufananidzo wezvauchaona pane fomu. Kune mirayiridzo yakananga inoreva fomu kana kuti iri bhuku rekudzidzisa rakapiwa nematare eUnited States.
Ndapota cherechedza kuti kuchinja kune mafomu ekugadzirisa kwakatanga kushanda munaDisemba 2015. Ikozvino kune maBhaibheri maviri eSOFA, mumwe wevanhu uye mumwe wevasiri ivo (makambani).
Fomu B 107: Nyaya Yenyu Yezvemari Yevanhu Vose Vanowedzera Bankruptcy
Fomu B 207: Zvinyorwa zveMari Yenyu (kwete munhu)
Sezvo maitiro mazhinji akaiswa pamwe chete nevakaroorana, mimwe yemibvunzo iyi ine nzvimbo dzemumwe nemumwe kuti apindure zvakasiyana.
Paunenge wapedza fomu, iwe uchakumbirwa kusaina fomu iri pasi pechirango chekupomerwa . Nokudaro, kana iwe ureve nhema, uchida kunyengedza kana kusaregerera kana kusava nehanya mumhinduro dzako, unogona kupomerwa mhosva, kugamuchira nguva yejeri kana kuti yakaoma kwazvo.
Chikamu 1: Mamiriro Okuroorana uye Kwawakagara Kare
Mubvunzo 1 : Mamiriro Emuchato Mazuva Ano
Mubvunzo 2 : Mumakore matatu apfuura, wakagara kune imwe nzvimbo kunze kwekugara kwauri ikozvino?
Mubvunzo 3 : Mumakore masere apfuura, wakamborarama nemumwe wako here kana kuti mutemo wakaenzana munharaunda yenharaunda kana munharaunda?
Chikamu 2: Tsanangurai Zvinyorwa zveMari yako
Mubvunzo 4 : Wakave nemari yebasa kubva kumabasa here kana kuti kubva pakushanda bhizinesi mugore rino kana makore maviri apfuura makorenda?
Mubvunzo 5 : Wakagamuchira chero mimwe mari inowanikwa mugore rino here kana kuti makore maviri epfuura kare kare?
- Alimony
- Mwana anotsigira
- Social Security kana pensions
- Kubasa
- Kufarira, zvikamu, zvikwereti
- Lawsiuts
- Kubhejera kana lottery winnings
Chikamu 3: Nyora Mimwe Mibairo Yawakaita Usati Wagadzirirwa Bhengi
Mubvunzo 6 : Ko Mucheri 1 kana kuti Dhiyabhorosi 2 ane zvikwereti zvinokweretesa zvikwereti?
- Kana zvakadaro, unokumbirwa kunyora chero zvipiro zvawakaita mumazuva apfuura makumi mapfumbamwe makumi matatu nemazana matanhatu anopfuura madhora mazana matanhatu kune mumwe munhu ane chikwereti. Semuenzaniso: Iwe wakabhadhara First National Visa katatu mari ye $ 100 imwe neimwe. Izvi hazvifaniri kuverengwa. Asi, iwe wakabhadhara Royal Motors zvitatu zvebhadharo ye $ 250 imwe neimwe ($ 750 chiuru). Aya maifanira kuverenga.
Mubvunzo 7 : Pasati papera gore rimwe chete musati mauya kubhadhara, makatora chikwereti pane chikwereti chawakakwereta chero munhu aive ari mukati here?
- Munhu ari muchengeti munhu kana sangano raunoswedera pedyo, sehama, shamwari, ushamwari, mabhizimisi ayo iwe uri mukuru, mutungamiri, muridzi, mutungamiri mukuru wesangano,
- Apa ndipo paunenge uchizivisa kuti iwe wakabhadhara Amai vako Larry kudzoka iyo $ 1 000 chikwereti chaakakupa.
Mubvunzo 8 : Pasati papera gore rimwe chete musati mauya kubhadhara, makaita mari here kana kutumira chero ipi neipi nekuda kwechikwereti chaibatsira munhu mukuru?
- Iwe unobvunzwawo kuti unyore mari yekutsigirwa kwemwana uye alimony.
Chikamu 4: Ziva Mitemo Yezvemitemo, Repossessions uye Foreclosures
Mubvunzo 9 : Pasati papera gore rimwe chete musati mauya kubhadhara, makanga musina mutemo chero upi zvake, mutongo wedare, kana kutungamira mutungamiri?
Mubvunzo 10 : Pasati papera gore rimwe musati mauya kubhadhara, pane imwe yenhumbi dzenyu dzakadzorerwa zvakare, dzakarongedzwa, dzakaiswa, dzakabatanidzwa, dzakabatwa, kana dzakabhadharwa?
Mubvunzo 11 : Mazuva masere mapfumbamwe usati watumira kubhadhara, pane mumwe munhu ane chikwereti, kusanganisira bhangi kana sangano rezvemari, akaisa chero mari kubva kumabhengi ako kana kuti akaramba kubhadhara nokuti wakakwereta chikwereti?
Mubvunzo 12 : Pasati papera gore rimwe chete usati wasvika kubhadhaki, pane imwe yenhumbi yako pane wekugadzirisa chikwereti chekubatsira vanokwereta, mutongi anogamuchirwa nematare, mutongi, kana mumwe mutariri?
Chikamu 5: Nyora Zvimwe Zvipo Nemipiro
Mubvunzo 13 . Mukati memakore maviri musati mauya kubhadhara, makapa chero zvipo nenhamba yakakwana yemadhora mazana matanhatu nemunhu mumwe nomumwe here?
Mubvunzo 14 : Mumakore maviri musati mauya kubhadhara, makapa chero zvipo kana zvipo pamwe nehuwandu hunodarika madhora 600 kune chero rubatsiro here?
- Izvi zvinosanganisira chegumi chechegumi.
Chikamu 6: Nyora Zvimwe Kurasika
Mubvunzo 15 : Pasati papera gore rimwe musati mauya kubhadhaki kana kubva pawakatumira kubhadhara, wakarasikirwa nechinhu chero chipi zvacho nekuda kwekubata, moto, imwe njodzi, kana kubhejera here?
Chikamu 7: Nyora Mimwe Mibairo kana Kutengeswa
Mubvunzo wechi16 : Pasati papera 1 gore musati mauya kubhadhara, iwe iwe kana mumwe munhu akashanda panzvimbo yako kubhadhara kana kutumira chero ipi neipi kune iwe wawakabvunza pamusoro pokutsvaga kana kupedza chikumbiro chekubhadhara?
- Izvi zvinosanganisira gweta wawakapa kuti uise iyi mhosva yekusungirirwa uye kambani yawakabhadhara yako yechikwereti chekupa mazano kuchikwereti.
Mubvunzo 17 : Pasati papera 1 gore musati mauya kubhadhara, iwe iwe kana mumwe munhu akashanda panzvimbo yako kubhadhara kana kutumira chero chivigiro kune ani wakavimbisa kukubatsira kubata nevatengi vako kana kuti kubhadhara kune vatengi vako?
Mubvunzo 18 : Mumakore maviri musati mauya kubhadhara, maitengesa, kutengeserana, kana kutumira zvimwe zvinhu kune ani zvake, kunze kwezvinhu zvakasimwa mune imwe nguva yebhizimisi renyu kana nezvemari?
- Wakapa hama yako chikepe icho chave chiri kugara museri yako here? Wakapa Chevy iyo yekare kune program ye Cars Cars?
Mubvunzo 19 : Mumakore 10 musati mauya kubhadhara, makaendesa chero chipi nechipi kune chivimbo chekuzvigadzirisa kana chimwe chinhu chakafanana chauri kubatsirwa nacho?
Chikamu 8: Nyora Zvimwe Zvemari ZveNyaya dzeMari, Zvishandiso, Safe Deposit Boxes, uye Units Storage Units
Mubvunzo 20 : Pasati papera gore rimwe musati mauya kubhadhara, maiva nemakambani emari kana zviridzwa zvinowanikwa muzita renyu, kana nekuda kwekubatsira kwenyu, zvakavharwa, kutengeswa, kutamiswa, kana kutamiswa?
- Nyora mabhuku ose ezvemari, kusanganisira mabhizinesi ebhengi, mabhizimusi emareji, CD, IRA, 401ks.
Mubvunzo 21 : Iwe unayo iye zvino here, kana wakanga uine mukati megore rimwe usati watumira kubhadhara, chero mari yakachengeteka bhokisi kana imwe mari yekuchengetedza, mari, kana zvimwe zvinhu zvinokosha?
Mubvunzo wechipiri : Wakachengetedza pfuma munzvimbo yekuchengetedza kana nzvimbo imwe kunze kweimba yako mukati megore rimwe usati wanyorera kubhadhara?
Chikamu 9: Ziva Pfuma Iwe Unobata kana Kudzora kune Mumwe Munhu
Mubvunzo wechipiri : Unobata kana kutonga chero ipi zvayo kune mumwe munhu? Itai chero ipi zvayo yawakakwereta kubva, iri kuchengetera, kana kubata mukutenda kune mumwe munhu.
- Ko amai vako vakagara newe gore rapera uye vauya nazvo zvinhu zvose naye here? Uri kukwereta motokari yako yepamusoro yemotokari here?
Chikamu 10: Ipa Tsanangudzo Pamusoro Pezvokuchengetedza Kwemagariro
- Kazhinji, isu chete tinoona mibvunzo iyi yakatarwa kune vanhu vakashandisa gesi, kana kuti mune bhizimusi rinogona kushandisa makemikari kana kuti kubvisa tsvina inoda kushandiswa kwakakosha.
Mubvunzo 24 : Pane hurumende inokuzivisa here kuti iwe unogona kutongwa kana kuti unogona kutongerwa pasi kana kuputsa mutemo wezvakatipoteredza?
Mubvunzo 25 : Wakazivisa chero hurumende yehurumende yekusunungurwa kwezvinhu zvinokuvadza here?
Mubvunzo 26 : Wakamboitawo mutambo mune chero hutongi kana hutungamiri huri pasi pemutemo chero upi zvake wezvakatipoteredza here? Itai misha yenyu uye mirairo.
Chikamu 11: Ipa Tsanangudzo Nezvebhizimisi Rako kana Kubatana Kune Bhizimisi Ripi
Mubvunzo 27 : Mumakore mana musati mauya kubhadhara, maiva nebhizimisi kana mune chero humwe hwekubatanidza kunotevera kune rimwe bhizinesi?
- Itaiwo sekutengeswa kwedzimba, kubatana, makambani ayo maive mumiririri, mutungamiriri, kana mutungamiri mukuru, kana muridzi wevanenge 5%.
Mubvunzo 28 : Mumakore maviri musati mauya kubhadhara, makapa here mutemo wemari kune ani zvake nezvebhizimisi renyu? Itaiwo mamwe masangano emari, vatengi, kana mamwe mapato.
Yakapedzwa naJanuary 2018 naCarron E. Nicks