Kudzokorora kweChirongwa Chekugara Kwemafuro - Makukanganisa Apamusoro uye Maitiro Okudzivisa
Kukanganisa # 1 - Migumisiro Yako pachayo Mukudurura Kwako Pamusoro Pokuda
Kunyora kutaura, zvigadzirwa zvemunhu, zvakadai sezvishongo, zvishandiso, uye zvakagadzirirwa, zvakaparidzwa kuburikidza neChiratidzo Chokupedzisira neTestamende , kusanganisira yeTrans Over , inoda kuongororwa.
Muzvokwadi, zvisinei, zvinhu izvi zvinowanzopera pa "kutanga kuuya, kutanga kushandiswa," zvisati zvaitika chero sarudzo yakatarwa kana kuvimba kugadziriswa nemugweta anotanga. Asi kana pane mhirizhonga pakati pevatsigiri vako pamusoro pezvaunoita uye kugoverwa kweimba iyi yakanyorwa muChipupuriro chako chekupedzisira neTestamende, zvino mutongi wemhosva achada kugadzirisa matambudziko aya mushure mekuda kwako kwakabvumidzwa kuongorora . Kana imwe yeimwe nzvimbo yako yakave yakabhadharwa zvakakwana muRevocable Living Trust yako , zvino izvi zvinokunda chimwe chezvinangwa zvekuvimba kwako - kuti usapinda probate! Pane kudaro, chengetedza zvaunoita iwe muRevocable Living Trust yako uye tsanangura kuti ndiani anofanirwa kuwana iyo pfuma, uye apa kupa Mufambisi wako Mufambisi chisarudzo chakakwana chokugadzirisa kusabvumirana kupi zvako pakati pevatsigiri vako. Izvi zvinofanira kuchengetedza kuvimba kwako kuvatsigiri kunze kwekwereti.
Mhosho # 2 - Kusiya Migumisiro Yako Somunhu Kufanana Nevabatsiri Vako
Zvimwe zviitiko, kusanganisira zvishongo, zvigadzirwa, uye zvigadziriswa, zvinowanzooma kukoshesa, zvisingatauri kugovana "zvakaenzana." Ndaimbova nemuteresi akarwisana nehanzvadzi yake kwemakore anenge matatu pamusoro pekuparadzanisa "zvinhu" zvakasara mumba maamai nokuti amai vaDo vakataura kuti zvinhu zvake zvinofanira kugoverwa zvakaenzana.
Zvinhu izvi zvaive zvakakosha madhora 5 000, uye zvakadaro hama dzakapedza mari inodarika madhora 60 000 mumari yemutemo vasati vasarudzwa.
Chinokosha ndechokuti mari iri nyore kugovana, asi "zvinhu" hazviiti. Kana Your Will kana Revocable Living Trust inotaura kuti maitiro ako ega ega anofanira kugoverwa zvakaenzana pakati pevatsigiri vako, ezvo ita urongwa hwehupenyu hwako.
Bvunza gweta rako rekugadzirisa nzvimbo kuti uvandudze mutauro kubvumira vatsigiri vako kuti vagovane zvinhu sezvavanobvumirana, uye kana vasingakwanisi kubvumirana, zvino ipai Mumiririri Wako Wega kana Mufambisi Wechechi musimba wakakwana wekusarudza kuti ndiani anowana chii, kutengesa zvinhu uye kugovana mari, kana kungopa zvipo kune rudo. Izvi zvinofanira kuchengetedza vadiwa venyu kubva mudare.
Mistake # 3 - Zvigadziro Zvatengesi Pasina Chekuita Mutero Wemihoro
Izvi ndizvo zvinowanzoitika: Murume nomudzimai vechiduku vane mwana wavo wokutanga uye vakarurama vasati vasvika mazororo makuru avo vasina mwana wavo mutsva ivo vaviri vanofunga kuti vanoda zvido. Saka, vanomhanyira kunze uye vanowana imwe yezvikamu zvekupedzisira zvepafambi yezororo. Izvo zvavanowanzowana zvinotumidzwa se " Ndinokuda Iwe" - zvinongosiya zvose zvakananga kune mumwe nemumwe uye kana vabereki vose vafa muganhu vachaenda kune tariro yakajeka kumwana wavo mutsva uye chero vana vanoberekwa gare gare. Rudzi urwu rwerongwa harina hupfumi hwekugara huri mairi. Zvadaro, makore makumi maviri nemashanu gare gare, apo mwana wavo muduku pakupedzisira anoenda kukireji, vanosangana neni uye, kunyara kunyara, vakabudisa makopi e "Ndinoda Iwe Wills."
Chimwe chinhu chinowanzowanzoitika ndeyevanhu vaviri vane chirongwa chakanaka chakanyorwa muhurumende yavo iyo isina misha yemitero asi zvino inotamira kune imwe nyika inobhadhara mitero, kana zvimwewo.
Munyika yavo itsva, hurongwa hwavo hwemigodhi hahuzoshanda sezvavakaronga nokuti kana chirongwa chavo chakanga chakanyorwa kuti chive nechokuita ne federal property tax chete, kana chirongwa chavo chakanyorwa zvakananga kuvhara zvose nyika ne federal estate mitsara.
Usarega izvi zvichiitika kwauri. Iva nechokwadi chekuvandudza kubva ku "I Love You Wills" kune chirongwa chinobatanidza kuronga kweAbr Trust uye, kana zvichibvira, mahofisi ematoro ekugadzirisa neAbC Trust , nguva refu musati muduku wako asati aenda kuchikoroji. Uye iva nechokwadi chokuti kana iwe ukaenda kune imwe nyika hurongwa hwako hwemigodhi hunoongororwa nemunhu ane kodzero yekugadzirisa nzvimbo muhurumende yako itsva, zvisinei kuti chirongwa chako chisingashandise nenzira yaunoda.
Mhosho # 4 - Vakaroora sevatatu veSole Truses of Their Revocable Trusts
Vakaroora vakaroorana seVatongi veMitemo yavo yeChirangaridzo inoratidzira chinokonzera dambudziko rakakura kana mumwe murume akangwara asingakwanisi kukosha mumwe mukadzi haazovi nekodzero dzekodha dzinodanwa nezita remukadzi weRevocable Living Trust asina kukodzera.
Zvichienderana nezvirevo zvechibvumirano chechiremera chekuvimbika chemudzimai, mudzimai akanaka angave achida kuwana zvikwereti zvekuremara kubva kune vemumhuri uye mumwe kana vamwe vanachiremba kana vaviri kana kuenda kumatare uye kuti mudzimai wavo ataure kuti haana kukodzera nemutongi. Zvakanyanya kuipa, kana mumwe mukadzi asingakwanisi kuwanikwa nekuda kwekuti iye ari munyika yose inoshanyira mhuri, zvino mumwe wacho haazokwanisi kuita chero chii neakazvinyorwa zita nezita rekuenda kune mumwe mudzimai kusvikira iye adzoka kubva rwendo.
Nepo pachave nemamwe mamiriro ezvinhu apo mumwe nomumwe wavo achange achishuva kushanda semuTrasti chete, zvakadai mumhuri yechipiri kana kuti inotevera, kazhinji ndawana kuti izvi zviitiko zviri mudiki. Uye kana uri kunetseka pamusoro pekutambudzwa kweCon-Trustees yekuita pamwe chete, usanetseka - Kurasikirwa Kwekuchengetedzwa Kwekugara kunogona kunyorwa nehuwandu hwekushandura, kusanganisira kuita vakaroorana Co-Trustees asi kupa mumwe nomumwe mano okuita pasina kubvumirana kwomumwe mukadzi. Kana iwe newawakaroorana naye muri kushumira sevaTrusti chete veZvimbiso Dzenyu Revocable Referable uye hapana chaicho chikonzero chakanaka nei uchizobvunza gweta rako rekugadzirisa mararamiro kugadzirisa zvaunovimba nazvo kuti mumwe nomumwe wenyu ave Mubataniti weChikoro cheumwe mukadzi uye inosanganisira mutauro unobvumira mumwe nomumwe wenyu kuti aite ari oga iwe seTrasti. Mukufamba kwenguva, izvi zvichakupa kushanduka kwaunoda kuenda nebhizimisi rako.
Mhosho # 5 - Zvikwereti Zvisingabvumirwi Pasina Kubhadhara Purogiramu Mutauro
Nhasi vanhu vazhinji vane chikamu chakakura chezvivako zvavo zvinowanikwa mune zvirongwa zvakadai se 401 (k) s uye IRA s. Asi kana vakatsaura Trust yavo yeRevocable semupi wezvinyorwa izvi uye chivimbo chisina kuongororwa mune imwe nguva, saka mikana haina mharimi yakakodzera yekubvumira Mufambisi weSvondo kuti agadzire mabhuku ekurega mari yakasiyiwa ku trust. Kana mutauro uyu usiripo, maoko eSuccessor Trustee achasungirwa, uye migumisiro yemitero yekusarirwa ichazoguma.
Kana iwe wakatumidza zita rako reRevocable Living Trust seunobhadhara mari yako yekurasikirwa, tarisa neimba yako yekugadzirisa mararamiro kuti uone kuti kuvimba kwako kune zvakakodzera chirongwa chekubvisa basa remutauro uye, kana zvisina kudaro, bvunza gweta rako kuti uchinje kuvimba kwako nokukurumidza .
Mhosho # 6 - Simba reGweta risina Purogiramu Rekushandisa Mutauro
Kana iwe wakabhadhara mari yako yose muRevocable Living Trust yako, saka, kazhinji, Simba rako reGweta harifaniri kudiwa sezvo zvinhu zviri mu trust zvinogona kutarisirwa neTrasti. Asi sezvo 401 (k) s uye IRAs hazvikwanisi kubhadhara mari yako mukutenda kwako (zvisinei kuti iyo inenge ichinyorwa mumutero wako wekubhadhara gore rokutengeswa), iwe uchada Simba reGweta nemutauro wakakodzera wekuronga basa bvumira Attorney wako muChokwadi kuti atarisire 401 (k) s uye IRAs kana iwe ukaremara. Izvi zvinofanira kusanganisira simba rekugadzira zvinyorwa zvitsva; Ipai zvipo; rollover benefits; kutsigira cheki uye kugamuchira kugoverwa; kuronga kuti zvakanakira mari yekugovera; vasarudzwa mafomu ekubhadhara, uye kukwereta mari uye kutenga zvinhu.
Kana Simba rako reGweta risina kuongororwa mune imwe nguva, saka mikana hairi mhando yakakodzera yekubvumira mushandi wako kutarisira maakisi ako ekurega. Tarisa neimba yako yekugadzirisa matongerwo enyika kuti uve nechokwadi chokuti Simba rako reGweta rine rine zvakakodzera chirongwa chirongwa chekurega basa, uye, kana zvisingaiti, bvunza gweta rako kuti unyore imwe itsva ine mutauro wakakodzera.
Mistake # 7 - Old Advance Medical Directives
Muna 2001 Congress yakagadza mitemo inodzora Health Insurance Portability uye Accountability Act ye 1996 (kana HIPAA ). Chimwe chikamu chechiito chinoshanda nehuwandu hwezvinyorwa zvezvechiremba uye ndiani anogona uye asingakwanisi kuwana. Nokudaro, kana Advance Directive yako yakanyorwa kare 2001, iwe unoda imwe itsva ine mhando yakakodzera yeHIPAA. Uye chenjerera - Ndakasangana neAreance Guidctives yakasinwa mushure mekunge 2001 kuti zvisinei haina hutauro hunokosha hweHIPAA.
Chii chichaitika kana Advance Directive yako isina zvinyorwa zveHIPAA? Zvadaro vashandi vako vehutano vangasazokwanisa kuita zvisarudzo zvakajeka pamusoro pekurapa kwako nokuti mujeri wako haazovi nekuwana marekhodi ako ezvehutano. Izvi zvinonyanya kukosha kana iwe wakatumidza mumwe munhu kunze kwehama yako yepedyo sewaini yako kubva kune hama dziri kure uye kwete nhengo dzomumhuri dzicharambidzwa kuwana mazamu ezvokurapa. Kana yave iri nguva kubva pawakasayina Advance Medical Directive yako, tarisa neimba yako yekugadzirisa mararamiro kuti uone kuti chirongwa chako chine rurimi rweHIPAA rinodiwa uye rinobudiswa.
Mhaka # 8 - Imari Inotengeswa Yakasara Yakananga Kwawakaroorana Naye
Kunyange kana chirongwa chemhuri yevakaroora kana kuroorwa chisingaiti chechitatu chekukanganisa kwemazana (chirongwa chemuzinda usina hupfumi hwekugadzirisa mutero), zvirongwa zvakawanda zvinosiya chikamu chinotengesa chemhuri yomurume akafa zvachose kumukadzi anenge aripo pane kuti ave mu Marital Trust . Mune mamwe mazwi, pane kuva nechokwadi AB Trust system, hurongwa hunoita "B Trust," uye chikamu chinotengesa, kana kuti "A" chikamu, chichaenda zvakananga kumukadzi anoramba aripo pane kuti ave mu Marital Trust.
Nei iri dambudziko? Nokuti pane zvakawanda zvakabatsirika kuva nekodzero inobhadharwa inopinda mu Marital Trust kuitira kubatsirana nemudzimai anoramba aripo panzvimbo chaiyo. Chokutanga, Marital Trust inotendeseka, uye, kana yakarongeka zvakanaka, inogona kudzivirira matongerwo ezvitendero kuti arege kutorwa nemakwereti anoramba aripo. Kusiya mari inotengeswa kumudzimai aripo mu Marital Trust ichachengetedzawo zvinhu kubva pakuparadzaniswa mukurambana kana kutorwa sechikamu chekugovera sarudzo kana mukadzi anenge achiri mupenyu akaroorazve. Pakupedzisira, mumhuri yechipiri kana inotevera, kushandiswa kweMarital Trust kunogona kuvimbisa kuti zvinhu zvakasara mukutendwa apo mumwe wavo anenge afa achaenda kuvana vemurume akafa uye kwete yeawakaroorana naye.
Kana iwe newawakaroorana naye muchifunga kuti hurongwa hwenyu hwemigodhi hunogona kubatsirwe kubva muchokwadi yeA AB Trust system, kwete kungo "B Trust," ipapo bvunza gweta rako rekugadzirisa nzvimbo yako kana chirongwa chako chinosanganisira rechokwadi AB Trust yakagadzirirwa, uye, kana isiri, kuchinja wako anotenda zvakakodzera.
Mistake # 9 - Zvinyorwa Zvisingabvumirwi Zviratidzo Zvokugadzirirwa Imba
Kune nzvimbo mbiri apo izvi zvinotanga kuitika: (1) Kana magwaro akavharidzirwa asina kungoita chisimbiso chakarurama; uye (2) Kana magwaro ainge asayirwa zvakakodzera mumutengi wekare wekugara achida kusayinhwa zvakasiyana mune zvehurumende yavo itsva.
Dambudziko rekare rinowanzova mugumisiro wegweta uyo asingawanzogadziri zvinyorwa zvekugadzirisa nzvimbo uye, saka, haazive zvigadziriswa zvinoshandiswa pakuisa zvinyorwa zvemhando idzi. Ndosaka zvakakosha kushanda nemweya ane makore akawanda ane ruzivo rwekunyora zvinyorwa zvekugadzirisa nzvimbo nokuti izvi zvichaita kuti zvinyorwa zviongorwe nemabhangi, zvipatara, uye dare re probate.
Kune rumwe rutivi, magwaro ekugadzira mazita ayo akafanirwa kuurayiwa mune imwe nyika inogona kushandiswa zvachose kusina basa kune imwe nyika. Semuenzaniso, kuFlorida, Simba reGweta rinofanira kusayinwa nemitemo yakadaro sechiito cheimba yekutengesa kuitira kuti Simba reMhosva rizoshandiswa kuendesa Florida pfuma. Ndokusaka zvakakosha kwete chete kuti chirongwa chenyika yako chiongororwe kana iwe uchibva kune imwe nyika kuenda kune imwe asiwo kuti uve nemagwaro ako akaongororwa nemweya wechipanzvimbo uko watenga pfuma yako kunze kwenyika yako yekumba. Izvi zvichaita kuti zvinyorwa zvizoshanda munharaunda yako uye imwe.
Nhema # 10 - Kusiya Asset Zvakakwana kune Vabatsiri Vako
Kungofanana nekukanganisa # # yakaratidza kubatsirwa kwekuchengetedza zvinhu mu Marital Trust kuitira kubatsirana nemudzimai wako, mararamiro eupenyu hupi anogonawo kubatsira kune vamwe vanobatsirwa. Sei? Nokuti kushandiswa kwehupenyu hwehutano huchaparadzanisa muzuzi wenhaka kubva kune dzimwe dzimba dzavo, kusanganisira pfuma yavo pamwe chete nemhuri uye zvimwe zvekubatana. Nokudaro, kana mubhadharo wacho akatongwa, zvinhu zvakachengetedzwa zvichachengetedzwa. Kana, kana muwani wacho akawana akaroora uye gare gare achirambana, chivimbo chemari chichachengetedzwa. Kana, kana mupiro wacho achiri muduku kana kuti akaremara mupfungwa, ipapo mari yekuvimba inogona kuiswa uye inotungamirirwa neumwe munhu uye ichachengetedzwa. Kune rumwe rutivi, kana iwe uchisiya muridzi wemugove iwo kwavari zvakananga kana kunyange kune mamwe makore (zvakadai se25, 30, kana 35), ipapo kana iri mumaoko avo nhaka yavo ichava pangozi kumhosva, vatengesi, kurambana vakaroorana, zvakaipa zvisarudzo zvekutsinhanisa, uye, mumamiriro ezvinhu akaipisisa, mutongi anochengetedzwa pamatare kana muwani ari muduku kana kuti akaremara mupfungwa.
Pane kudaro, funga kuisa mararamiro ehupenyu kune vose vanobatsirwa. Iwe unogona kunyange kuita kuti mupiro ndiye Mufurisi chete pane imwe nguva (sa25 kana 30). Nenzira iyo, apo muwani ari muduku, nhaka yavo inogona kutarisirwa nemumwe munhu, asi kana vakwegura vanogona kutora simba rekuvimba navo mari uye vanozvisarudzira. Izvi zvichapa vatsigiri vako mukana wekurwisana kuchengetedza nhaka yavo nekuda kwavo pachavo kwete nekuda kwevaya vanobhadhara, kurambana nevarume vakaroorana, hurumende, kana varairi vekuchengetedza nematare.
Mhosho # 11 - Zvikwereti Zvisingabhadharwi Zvisingabhadharwi
Zvichida kukanganisa kwakawandisa kwandinopinda mairi kana ndichiongorora zvirongwa zvepasitirwo iRevocable Living Trust iyo isingabhadharwi zvakakwana. Izvi zvinowanzouya muzvinhu zviviri zvakanyanyisa: (1) Kuvimbwa kusingabhadharwi zvachose, uye (2) Kuvimbwa kunenge kusinganyatsobhadhari zvakakwana.
Mamiriro ezvinhu akare, dambudziko rinowanzobva kune avo vanogadzirisa matongerwo emagariro avo avo vasingangobatsiri chero rubatsiro kana kutungamirirwa nevatengi vavo nekubhadhara mari yavo. (Hongu, zvinosuruvarisa, kune vamwe vanyori kunze uko vanozorega kubatsira vatengi kubhadhara matariro avo kuitira kuti vashandi vavo vawane mari inofanira kupfuura nemupepeti-inotarisirwa probate.) Muchipiri chechipiri, kunyange kana vatengi vachiziva kukosha kwekubhadhara mari yavo vanovimba uye vanogona kutora zvimwe zvezvinhu zvavo mumatariro avo, vazhinji vanozozvidzivirira kana kungoita kuti vaore mwoyo kana kuti vanyongedzwe nemari yose yekuita mari.
Handikwanise kusimbisa zvakakwana kukosha kwekuwana mari yako muRevocable Living Trust yako uye kuvandudza vanobatsiri ve inshuwarisi yehupenyu hwako uye mabhuku ekurega mari. Pasina kutora danho rinokosha, Revocable Living Trust yako ichange iri bhakede risina chinhu rinomirira zvinhu zvako kuti rizadzise mushure mokunge nguva inopedza uye inodhura kuongorora nzira.
Mistake # 12 - Unfunded Out of State Real Estate
Apo kuongororonga zvirongwa zvepakange zviripo, iko kukanganisa kudarika kwandinoona ndeye # 11 - isina kubhadhara Revocable Living Trusts. Uye iko kukanganisa kwakakanganisa kunotungamirira kusvika kukanganiso yekupedzisira-yekubuda kwehurumende yeimba iyo isina kubhadharwa muRevocable Living Trust.
Kana iwe usingatori nguva yekubhadhara yako kunze kwehurumende yemuzinda muRevocable Living Trust yako, zvino vadiwa vako vachatarisana neveviri kana kupfuura mamwe maonero ekuongorora. Sei? Nokuti kutengeswa kwemahofisi mushure mekufa kunotungamirirwa nemitemo yenyika iyo nzvimbo iripo kuburikidza ne "ancillary probate" inopfuurira. Nokudaro, chivako muzita rako pachavo panguva yekufa kwako inoda kuongororwa muhurumende iyo iripo. Uye zvakadini kana iwe uine pfuma muzvikamu zviviri, zvitatu, kana kunyange zvese zvakasiyana? Zvadaro vadiwa venyu vachasangana nematatu, vatatu, mana kana kupfuura mamwe maitiro, uye iwe uri kuwedzera nguva yakakura uye mari yekugadzirisa kwekutenda kwako nokuti vadiwa vako vachada kubhadhara mazano akawanda uye zvinongororwa mazano avo .
Kunyanya kana iwe kunze kwehurumende yeimba inonzi zita rako pachako kana kuti vashandi vanobatana nemumwe munhu, tora nzvimbo yacho mukutenda kwako. Uye usanyengerwa pakufunga kuti kana iwe uine pfuma pamwe chete nemumwe munhu kuti ichapfuura nekodzero yokupona kune mumwe muridzi uye usapinda muedzo shure kwekufa kwako. Nzvimbo dzakawanda dzinopedzisira dziripo kune vashandi vari muhutano humwechete kana chiito chisina kupa zvakananga kodzero yekuchengetedza, uye saka mugove weimba yacho unoda kuongororwa. Tarisa neye gweta munharaunda iyo nzvimbo yacho iripo kuti uone kuti yakataurira nzira yaunoda nayo, uye, kana zvisingaiti, ine basa idzva rakagadzirirwa uye rakanyorwa.