Sei Uchifanira Kutenga Vana Vako Upenyu HweInishuwarenzi NdezveZvirevo Zvakanaka
1. Vana Vako Vachagara Vasimbiswa
Chimwe chezvinyorwa zvinokosha zvekuva ne inshuwarisi yehupenyu hwevana ndeyekuti zvichagara zvichivharwa pasinei nehutano hwavo hwemangwana.
Edza nekambani ye inshuwarisi yehupenyu kuti mutemo wepurogiramu iwe wauchazotenga unoti mwana wako haazomborambwi inshuwarisi yehupenyu pasinei nezvinetso zvehutano anotarisana nazvo muupenyu hwake hwose. Tora mukunyorera.
Pane zvinhu zvakawanda zvinogona kukanganisa kusakwanisa kwevana vako munguva yemberi. Kuwedzera kweropa, chirwere cheshuga, kuneta uye kenza zvinongova zvishomanana zvezvinetso zvehutano zvakawanda zvinogona kudzivirira mwana wako kuti asava inshutura mumugwagwa. Nezano rinotsigira kuti acharamba ari inshuwarisi, iye achafukidzwa paanenge ari 70, pasinei nehutano hwake.
2. Unowana Rugare rwePfungwa
Mubereki mumwe nomumwe anoronga kuwedzera vana vavo. Kana izvo zvisingafungidzike zvakaitika kune mwana wako, iwe unenge uine chimwe chinhu chiduku chingazvidya mwoyo pamusoro penguva yakaoma yakadaro ine inshuwarisi yehupenyu huri kwaari. Iyo mitemo yaizovhara mari yekumariro, iyo inogona kuenderera kumazviuru kana iwe waifanira kubhadhara nekuda kwezvikwereti iwe pachako.
Inishuwarenzi yehupenyu yevana inogona kukuunza rugare rwepfungwa iwe unoda. Inishuwarenzi yehupenyu inokosha ye $ 10 000 kusvika ku $ 15 000 yaizove yakawanda kupfuura kuvhara mari yemari inofanira kusangana nematambudziko.
3. Nhungamiro Inogona Kuvaka Cash Value
Imwe inshuwarisi yehupenyu hwevana inogona kuwana mari inokosha. Nenguva iyo vana vako vane makore 18, iyo kukosha kwemari yakazvivakira pachavo mune dendere chiduku.
Mwana wako anogona kushandisa mari yacho kutenga motokari kana kukwereta kubva mumutemo kuti abatsire kubhadhara chikoro.
Kana iwe ukasarudza inshuwarisi yeupenyu hwose yevana vako, bvunza kana kune zvikwereti zvekurumidza kuenda kune imwe nguva. Kuvaka mari inokosha haifaniri kuva chikonzero chikuru chaunotenga inshuwarisi yehupenyu hwevana vako, asi mutemo wakarurama unogona kusanganisira mari yepamusoro.
4. Ndangariro Dzakanyanya haigoni
Nemhaka yokuti iwe uchange uchitenga inshuwarisi yehupenyu kumwana, haungatengi mamiriyoni emadhora emitemo. Chero kubva kune $ 5,000 kusvika ku $ 15,000 ndiyo yakanaka yekutanga ye inshurensi yehupenyu hwevana.
Neine mitemo yakaderera yakadaro, iyo mari inenge isingadhuri. Iwe unogona kazhinji kuwana mazano aya e $ 5 kusvika ku $ 15 pamwedzi. Kune mhuri dzakawanda, mari inotengeswa inobvumidza kutenga. Ichi ndicho chimwe chikonzero chekugara-pamusha amai vanofanira kufungira inshuwarano yehupenyu ivo pachavo.
5. Mutengo wakachengetwa mukati
Kutenga inshuwarisi yehupenyu yevana ikozvino ichavhara muyoyo yehupenyu hwehutano. Ikokutanga haizomboshanduri pasinei nokuti mwana wako ane nguva yakareba sei. Mumakore makumi maviri nemashanu, mutemo wake we $ 15,000 wawakabhadhara $ 10 pamwedzi nekuda kwekuti uchange uchingodhura zvakafanana. Izvi zvinopa inshuwarisi yehupenyu hwevana venyu vanogona kukodzera mubhadharo yemhuri yenyu ikozvino uye mune bhajeti yake mune ramangwana.
Zvechokwadi, iwe unofanirawo kuongorora izvi nekambani yeinishuwarenzi usati watenga uye iva nechokwadi chokuti une ruzivo urwu mukunyora.
Nguva dzose tsvakurudza inishuwarenzi yehupenyu yehupenyu kuti uone kuti chii chaunoda kunze kwemurairo ndeyechokwadi kune kambani yaunoshuva kuvimbisa mwana wako. Mitemo yakasiyana zvikuru nekambani nekambani saka unoda kubvunza mibvunzo yakawanda, kwete chete ikozvino asi kuvimbisa kuti mwana wako achawana zvakanyanya kubva mumutemo wake kunyange kana ane mhuri yega.