Iwe Unoziva Zvaunofanira Kuita Mukugadzirisa Rufu kana Kurambana?
Zvinosuruvarisa, vanhu vakawanda vanoona nokukurumidza kuti vakanga vasina kunyatsogadzirira.
Kukosha Kwekunyora Kuverenga Zvino
Yakarurama uye yakarongeka rekuchengetwa kwekodzero ndechimwe chezviito zvakakosha zvikuru iwe unogona kuita kuti wawakaroorana naye aite kuitira kuti usagadzirira kwete mukufa kana kurambana, asi nokuda kwehupenyu hwako hwemari pamwe chete . Tariro, apo wakaroora, iwe wakagara pasi kuti ukurukure iwe wakasiyana (uye ikozvino unobatanidza) mamiriro ezvinhu emari uye wakapfuura nemutsva wekutsvaga mari . Tariro, iwe wakazarura zvinhu zvako uye zvikwereti zvako, wakarongedza kuti iwe unobatanidza mari yakabatana , wakatsunga zvinangwa zvako zvemari, uye wakagadzira bhadha yekubatana kuti ikubatsire kuenda ikoko. Kana iwe usina, ita iko zvino. Kuongorora urongwa uhwu, kunyange kwenguva yakareba mushure mekutora chikwata chechikwereti, kuchava nechokwadi chekuti iwe mose mune chibatano chekubatana kwako kwemari, iyo inonyanya kukosha pakuitika kwekufa kana kurambana.
Kana wapedza kuburikidza nebasa iro, inguva yekutanga kuchengeta zvinyorwa zvemabhuku ose anokosha.
Izvi zvinosanganisira kuchengetedza chibatiso pamitemo yako, zviyero zvinokweretwa, mazvikwereti, zvinyorwa zvebhangi, uye mitero inoshandiswa. Asi zvinorevawo kuva nekopi yemishonga yemishuwarenzi yehupenyu nezvimwe zvinhu zvakakosha zvemari zvose munzvimbo imwe chete kusanganisira zvirongwa zvehupfumi uye zvido . Zvose zvinyorwa izvi zvinofanira kuchengetwa pamwe chete nemazita uye nhamba dzevanyori vakakosha sevadzidzisi vako vezvemari, vashandi veinishuwarenzi, uye kunyange vashandirwi-vanobatsirwe basa rekuita basa revatariri.
Izvi zvinyorwa zvinofanirwa kufungwa nezvenyaya yehutano hwehupenyu hwako, uye kana iri yemagetsi kana mupepa yepapepa, inofanira kuchengetwa munzvimbo yakachengeteka uye inovandudzwa gore negore nokuti, kana zvichiitika kurambana kana kufa, chinhu chekupedzisira chaunoda kuita ndechokuti kutsvaga kuwana zvese zvemashoko anokosha.
Kukosha Kwekuchengetedza Kunyora Pashure Kokufa Kana Kurambana
Kana iwe newawakaroorana naye rambai muchikumbira zvinyorwa mushure mekufa kana kurambana, chikamu chinofanira kunge chiri nyore, asi kana chiitiko chekuti umwe kana kuti vose vari vaviri vakanga vasina kurongwa, iwe uchada kuedza kubata pane zvinhu pane nokukurumidza. Chero ruzivo rungadai rwuri muhuwandu hwehupenyu hwehutano hunokosha zvino iye zvino danho rokutanga riri kuwana iyo ruzivo. Iwe unogona kusarudza kubhadhara nhengo yemhuri kana kubhadharira mutungamiri wezvemari kuti akubatsire kupedza mavhiki ekutanga nemwedzi mushure mekurasikirwa kwako.
Nokukurumidza kana zvichibvira, kokanidza mapepa ose aungawana anowirirana nemari yako yezvemari uye uongorore ivo. Muchiitiko chekufa, pane makambani ehushandiro ehutano hunodikanwa kuziviswa? Iwe waunoshandira wako anoda kuziviswa nokuda kwerongwa hwekushandira mari kana kuti chirongwa chehushuwarisi yeboka? Ko makambani ekukweretesa kana vateresi vanoda kuudzwa kuti vashandure zita paakaunti dzenyu?
Muchiitiko chekurambana, iwe unofanirwa here kubvisa makadhi emakadhi pamwe chete nekushandira rimwe chete muzita rako? Zvakadini nebhangi dzebhangi? Unoziva here kuti chii chakabatana nemari yako nezvikwereti zvinoita sezviri? Kuti uzviwanire pamugwagwa wekugadzirisa uye kugadzikana kwezvemari, iwe unoda kutsvaga chiremba pamusoro pezvikamu zvinotevera. Asi kutanga, unoda kudzidzisa iwe pachako.
Nyaya Dzakakosha Kuti Uve
Chikamu chekudzidzira iwe nezvehupfumi hwako mushure mekufa kana kuti kurambana kwekurambana ndiko kuunganidza uye kuongorora magwaro makuru emari. Kunyange iwe iwe nemumwe wako moga mave ikozvino magwaro uye zvinyorwa zvinoshanda kwauri, heino rubatsiro rwemashoko anozivikanwa zvikuru:
- Wills kana Estate Plans
- Social Security card
- Inishuwarenzi mitemo
- Nhepfenyuro yezvikwereti uye zvekubhadhara
- Zviratidzo zvekuzvarwa
- Stock certificates
- Brokerage account statements
- Bank statements
- Zvinyorwa zvematoro
- Mabasa
- Zvigadziro zvekugara mabasa
- Basa rechibvumirano
- Partnership agreements
- Kurambana zvibvumirano
- Mariro ekugadzirira
- Death certificate
- Mutero unodzoka (makore mana)
- Safe deposit box information
Zvokuita neNhau iyi
Imwe yezvinonyanya kukosha ndeyekuti iite zvikwereti zvako uye zvinhu zvako, kuitira kuti iwe uve nemafungiro akajeka emabasa ako emari uye iwe une mari kana zvimwe zvinhu kuti uvaripire. Kana mari iri pasi, iwe unogona kusarudza kuti ndeupi mabhiriro aunogona kubhadhara uye zvaunofanira kunonoka. Taura nevako vane chikwereti, kutsanangura mamiriro ako, uye iva nechokwadi chokuti nguva dzose unobhadhara mari yekugadzirisa mari, yehutano uye yehupfisi inshuwarisi, uye zvishandiso kutanga.
Imwe nyaya inokosha ndiyo inshuwarisi yako inoda. Kana iwe uchangobva kurasikirwa nemumwe wako uye iwe usina vana vanovimba, unogona kunge uine inshuwarisi yehupenyu hwakawanda. Kana kuburikidza nekufa kana kurambana, iwe zvino uri iwe chete mutsigiri wemwana, unogona kunge uine inshuwarisi shoma yehupenyu. Iwe unogonawo kutora mutemo wekuremara iwe pachako kana iwe usati uine imwe, kuitira kuti kana iwe usingakwanisi kushanda iwe unenge uine mari yekuzvitsigira iwe nemwana wako. Kana wawakaroorana naye ari mubhadharo pane imwe yemishuwarenzi yako, iwe unoda kusarudza mumwe muwanikidzi.
Dzimwe nyaya dzezvemari dzinogona kumira kwemwedzi mishomanana, dzakadai sekuongorora nekuita shanduko kumari yako. Zvisarudzo izvi zvinokosha hazvifaniri kuitwa pakarepo mushure mekufa kana kurambana, kana zvichikwanisika, uye zvechokwadi haufaniri kunge uchitungamirirwa mupfungwa. Kana uchinge wagadzirira, iwe unoda kuumba mvumo inokosha yekutaura (urongwa hwezvinhu zvako uye zvikwereti) uye bhajeti , kuratidzira mari yako inotarisirwa uye mari, uye uongorore nzira dzako dzekutsvaga. Iwe unogona kuda kutarisa kune unyanzvi wezvemari (mubhadhadzi wekambani kana muzvigadziri zvemari) kuti utange.
Iwe uchazviwana uchitarisana nemararamiro emararamiro akaita sekuti uende kune imwe imba duku kana imba, enda kune rimwe guta, kudzokera kuchikoro, kana kufamba. Kunyatsobatisisa nyaya dzako dzemari kuchaita kuti zvose izvi zvisarudzo uye kuchinja kune humwe hupenyu husina humwe huri hurombo hushoma.