Vanhu vazhinji vane ruzivo rwakawanda rwekutarisana nezvinoitika mushure mekufa kwevanoda uye vanogadzwa seMumiririri weMunhu / Muiti wekugadzirisa nzvimbo. Chinangwa chemufambisi uyu ndechekupa mhedziso yakawanda yezvikwiriso zvitanhatu zvinotarisirwa kuti uongorore imba.
01 Step 1 ye Estate Estate - Inventory
Asati asarudzwa kuti ashumire seMumiririri weMunhu / Muiti weChitatu, danho rokutanga mukuongororwa kwemafuro nderokuwana magwaro ose ekugadzirisa matongo uye mamwe mapepa anokosha.
Zvinyorwa zvakarongeka zvekugadzirisa nzvimbo zvinogona kusanganisira Ikupedzisira Kuda uye Testamende , kumariro, kupisa, kuviga kana kuti chiyeuchidzo mirairo, uye / kana Revocable Living Trust . Zvinyorwa zvepakutanga zvinofanira kuchengetwa munzvimbo yakachengeteka kusvikira zvigone kupiwa kumumiriri weimba.
Mifananidzo yakakosha yemapepa ichabatanidza ruzivo pamusoro pezvinhu zvakasimudzirwa, kusanganisira mabhodhi nekutengeserana, zvikwangwani zvezvitoro uye zvisungo, inshuwarisi yehupenyu, zvinyorwa zvemakambani, motokari uye zvigaro zvezvikepe, nemabasa; uye ruzivo pamusoro pezvakabhadhara zvikwereti, kusanganisira mabhizimusi ehurumende, zvikwereti zvekadhi rechikwereti, zvikwereti zvekwereti, zvikwereti zvemunhu, zvikwereti zvemari uye mari yemariro. Tsvaga Ndezvipi Zvinyorwa Zvinodikanwa Mushure mekufa Kwekufa? kuti uwane ruzivo rwakanyanya rwemashoko chaiwo aunoda kuvapo. Kubva pamagwaro aya rondedzero inofanira kuitwa neicho chakapiwa uye chakakodzerwa, kuti rimwe rega rega rakatumidzwa sei (mumutauro wezita rakarongeka, semuvakidzani ari pamwe chete, mumazita ekubatana , kana mune a trust), uye, nokuda kwezvinhu uye zvikwereti uyo ane chirevo, kukosha kweafasi kana chikwereti sezvakanyorwa pane chirevo uye zuva rekutaura. Mukuwedzera, iyo yakagadziriswa inotangira makore matatu ekubhadhara mutero wemari inofanira kuiswa pairi.
Kana imwe nguva mabhuku akakosha akave akarongedzwa kuburikidza, chinotevera ndechekuonana neye gweta rezvemari kuti azarurire imba pamwe nedare rekuongorora.
02 Step 2 ye Estate Estate - Shandisai Probate Estate
Kana imwe nguva mabhuku epamutemo epamutemo uye mamwe mapepa anokosha akarongwa kuburikidza, danho rinotevera mukuongororwa neimba ndiyo kusangana nemugovera gweta kuti asunungure zviri pachena nzvimbo ye probate nedare remhosva. Tarisa kuNhanho Nhanho Nhungamiro Yokuvhura Probate Estate nehuwandu hwemashoko ekuti ungasunungura sei nzvimbo yekuongorora.
Pane imwe nguva gweta renzvimbo rakagamuchira ruzivo rwakakwana rwokunyora magwaro edzimhosva akadikanwa kuti azarure nzvimbo ye probate, munhu anonzi akashumira seMunhu Anomiririra / Mutevedzeri mumutambo wekupedzisira weWed Will uye vanobatsirwa vanonzi muChirongwa, kana, kana pasina Chido chekupedzisira, ipapo avo vakagadzwa vagari venhaka pamutemo , vachafanirwa kuongorora uye kuisa zvinyorwa zvinotarisirwa kuzarura imba ye probate. Kunyange zvazvo zvinyorwa izvi zvichasiyana kubva kune imwe nyika kuenda kune imwe nyika, kana kunyange kubva kumatare kusvika kumatare mune imwe nyika, zvinowanzobatanidza zvinotevera:
- Chikumbiro chePurate Administration
- Oati uye Kubvuma kweMumiririri Wega / Mutevedzeri
- Kusarudzwa kweAgara Agent
- Joinders, Waivers, uye Consents
- Kunyengetera kuWaive Bond
- Mutemo Waunotendera Unoda Kufambisa
- Mutemo Usarudze Mumiririri Wega / Mutongi
- Raira Waiving Bond
- Tsamba dzekutungamirira / Tsamba dzeTestamende
Kana imwe nguva inguva yakavhurwa yakave yakavhurwa nedare remhosva, danho rinotevera nderekusimbisa zuva rekufa kwehutano hwezvinhu zvose zvakasikwa.
03 Nhanho 3 yeZimba Zvigadziriswa - Ikoshesa Izvo Zvakatengeswa
Nzvimbo dzose dzezvemari apo nzvimbo dzakagadziriswa dziripo dzinofanira kunge dzichibatanidzwa kuti dziwane zuva rekufa kwehutano. Nezvimwe zvinhu zvinosanganisira zvivako zvekumba, zvigadzirwa zvemunhu, kusanganisira zvishongo, zvigadzirwa, uye zvigadziriswa, uye zvakanyatsobatanidzwa nemabhizimisi, ivo vachada kuongororwa nemudzidzi wechirangaridzo.
Kunyange zvazvo dare re probate richada chete zuva rekufa kwehutano nokuda kwezvinhu zvakaderera zve probate zvakanyorwa kune imwe nzvimbo yekugadzirisa nzvimbo, kana chirevo chekodzero yacho inotengesa kune federal uye / kana hurumende yekufa kwemitero , ipapo zuva rekufa hutsika huchadikanwa zvakare yakagadzwa nokuda kwezvinhu zvakasununguka zvisiri izvo zvinosanganisira avo vane vashandirwi nevose kana vashandi vanobatana nekodzero yokupona , inokonzerwa norufu uye kuendeswa kune nhoroondo dzekufa, inshuwarisi yehupenyu, mabhizimusi ekurasikirwa kusanganisira IRAs uye 401 (k) s, uye annuities. Tsvaga Ndezvipi Zvisiri Zvemafumi Ezvinhu uye Zvave Zvichibatanidzwa Muimba Yako? kuti aone kuti chii, kana chiripo, chisina kuongorora zvinhu izvo zvakagadzirwa.
Kana zuva rekufa hutsika rakataridzirwa kune zvakasvibiswa zvayo, nhanho inotevera ndeyekubhadhara mabheji ekupedzisira ekupedzisira uye yekuenderera mberi kwezvinhu zvekutarisira nzvimbo.
04 Nharo 4 yeZimba Zvigadziro - Chengetedza Mari dzeMagumo ekupedzisira uye Matengo Edzimba
Ndiyo Mumiriri weMunhu wega wega kuti aone kuti zvikwereti zvakakosha zvinokwereta panguva yekufa, chiona kana mabhiriro akakodzera, uye zvino kuripa mabhiriro. Mumiririri weMunhu wega wega achavawo ane mhosva yekubhadhara kuenderera mberi kwemari yekuendesa dzimba, kusanganisira mari yepamutemo, mari yekubhadhara, zvishandiso, mari yemishuwarisi, uye mari yekubhadhara mari.
Pane imwechete Mumiririri weMunhu / Muiti wekubhadhara akaripa mari yemari yekupedzisira uye ane mari yekushandisa mari iri pasi pekutonga, danho rinotevera nderekubhadhara mitero yemitero uye mitero yerufu inogona kunge yakakodzera.
05 Nhanho 5 yeimba yekutengesa - Kubhadhara mitero
Pane imwechete Mumiririri Wega / Mutevedzeri ari kubhadhara zvikwereti zvekupedzisira uye ane mari yekushandisa mari iri pasi pekutonga, danho rinotevera mukufungidzira imba yacho ndeyekubhadhara mitero yemari uye mitero yerufu inogona kunge yakakodzera.
Mumiririri Wega / Mutongi achada kugadzirisa uye kuisa iyo yakagadziriswa yekupedzisira yezvematongerwo enyika uye / kana hurumende inobhadhara mutero uye kubhadhara mitero ipi zvingave yakakodzera panguva yakakodzera. Mhedziso yekupedzisira yezvemari yekubhadhara mutero (IRS Form 1040) ichave yakakodzera musi waApril 15 wegore mushure megore rakasununguka rekufa.
Kunze kwekunyora mutengo wekupedzisira wekubhadhara mutero, kana iyo dzimba inowana mari munguva yehutungamiri, ipapo Mumiririri weMunhu / Muiti weKutevedzeri achada kugadzirira uye kuisa zvose zvinoda federal yemari yemitero inosvika ( IRS Form 1041 ) pamwe nezvose zvinodiwa mutero wemari yezvemari inodzoka.
Kana iyo decedent's estate inotengesa kune federal uye / kana hurumende inotarisirwa mutero , ipapo Mumiririri Wega / Mutevedzeri achava nemhosva yekugadzirira nekuisa feraleral estate tax return (IRS Form 706) uye / kana kuti state state tax uye / kana nhaka kudzoka, uye kubhadhara mitero yemitero.
Cherechedza kuti dzimwe nzvimbo dzinogona kutarisirwa kuisa federal estate tax return kunyange zvazvo pasina mutero weimba inenge yakakodzera. Rondedzerai Ndeipi iyo Federal Estate Tax Kudzorera Inoda Kuiswa? kuti aone kana Fomu 706 ichishandiswa kuiswa kune iyo yakagadzirirwa nzvimbo.
Taurai Ndeapi Mitero Inofanira Kuitika Mushure mekufa Kweumwe Munhu? kuitira mutungamiri kumarudzi akasiyana emitero inogona kunge yakakodzera uye mutero unouya huchada kuiswa.
Kana imwe chete yemutero wemari uye mitero yematoro yakagadziriswa, danho rokupedzisira rokugadzirisa iyo dzimba ndeyokupa kugoverwa kwezvasara kune vashandi vemigwagwa.
06 Nhanho 6 yeimba yekutengesa - kugovera uye kugumisa
Asati aita chero kugoverwa kune avo vanogadziriswa neimba, Mutongi wega wega / Mutongi anofanira kuva nechokwadi chekuti mari imwe neimwe yekutarisira imba uye mitero yose yakabhadharwa, kana kuti zvinhu zvakakwana zvakasarudzwa kuti zvibhadhara mari yekupedzisira nemitero. Kana zvisina kudaro, kana Mumiririri Wega / Mutevedzeri akasarudza kugovera kune avo vanogadzirisa pfuma asi mari inouya pashure, ipapo Mumiririri weMunhu / Mutevedzeri achabhadhara mari iyi kubva muhomwe yake.
Kana hutungamiri hweimba yacho huri kutarisirwa kutora nguva inopfuura gore, ipapo Mumiririri Wega / Mutevedzeri anofanirwa kushanda pamwe chete neye gweta renzvimbo uye mubhadhari kuti aronga kuisa pfuma yakakwana yekubhadhara mari inoshandiswa yehupfumi uye kugovera kuparidzi kune avo vanogara muimba zvikamu zvakawanda.