Imali ihamba njani ingabizwanga? Uninzi kuninzi, abantu bahamba, kwaye i-check refund okanye isitatimenti seakhawunti ayisayi kukhutshwa. Ngenxa yoko, izigidi zeedola zilindele ukuba zifunwe kwii-akhawunti zebhanki zamandulo, izicwangciso zempesheni , zikhohliweyo 401 (k) izicwangciso, nakwi-IRS ngenxa yeerhafu ezingafihliweyo okanye ukubuyiselwa kwemirhumo engenakulungiswa. Ezinye zazo zingabakho. Ukuze ufumane nayiphi na imali elahlekileyo, ungaqala ngokujonga ezinye zeendawo ezinokwenzeka.
01 Hlola Nge-IRS-Baya kukunika Imali
Unyaka ngamnye amawaka eengxelo zokubuyiselwa kwentlawulo yengeniso abuyiselwa kwi-IRS njengenakukhuphaza ngenxa yokuba umrhafi waguqukile, utshintshe igama lakhe, okanye ngenxa nje yokuba itekisi inedilesi engaphelelanga okanye engafanelekanga. Okwangoku, amawaka aseMelika alahlekelwa yimali ehlawulwa ngokomthetho kubo. Qhagamshelana ne-IRS ukulandelela phantsi nayiphi na imali ehlawulwayo yerhafu okanye imali engabhalwanga. Ukuba awuzange ufake ingxelo yokubuyisela irhafu kunyaka ongaphambili kwaye unembuyiselo ezayo kuwe, i-IRS ayikuhlawulanga ngokufakela ibuyiselo emva kwexesha xa ungekho iirhafu. Nangona kunjalo, uneminyaka emithathu kuphela ukufaka isicelo sokubuyisela imali ngaphambi kokuba imali ibe yipropati ye-Nondyebo yase-US.
02 Ukulandelela phantsi kweRhafu yeRhafu yeRhafu yeRhafu
Njengemali yokubuyisela irhafu yombuso, ukubuyiswa kwentlawulo yombuso kaninzi akufumani abafumanayo ngenxa yokuba igama liguqulwa, lihamba, okanye idilesi engenakulungiswa. Hlola iwebhusayithi engafumanekanga, enikezela indlela yokukhangela imali engalindelekanga ngokuchofoza kummandla, kwintsimi, okanye kwiphondo ukusuka kwimephu okanye ibhokisi yebhokisi engezantsi. Ukufumana yonke imali enokulahlekelwa yikho, qiniseka ukukhangela kuwo wonke urhulumente apho unakho idilesi. 03 Khangela izibonelelo ezingabonakaliyo zokuhlala phantsi
Ngamanye amaxesha abantu bayashintsha imisebenzi, belibale malunga nomncinci omncinane kwisicwangciso somhlala-phantsi somqeshi omdala. Ngesinye isihlandlo, loo mlinganiselo ikhula ibe yindumalo endiyilindeleyo, ukuba bayithatha ixesha lokuyilandela. I-Registry kaZwelonke yeZingeniso ezingabonakaliyo zomhlalaphantsi zingancedisa; akusiyo inzuzo, umthombo wentlalo kunye nenhlangano ezinikele ekuncedeni abasebenzi bangaphambili ukuba bafumane iindawo ezilahlekileyo okanye ezilibalekileyo. Le sayithi inokuba luncedo kubaqhubi beendawo ezizama ukulandelela imali engayilwanga egameni lomntu othandekayo okanye ofileyo. 04 Khangela iiNkqubo zangaphambili zePensheni
Ukuba usebenzele inkampani ebenesicwangciso somhlala-phantsi esiphumelelanga, mhlawumbi ukuba iNkampani yeGrant Guarantey Corporation inokukuhlawula imali. I-PBGC iqinisekisa inzuzo yomhlalaphantsi . Kungathatha ukumba ukuze uyifumane, kodwa ngaba akufanelekile ixesha lakho lokumba ngokulahlekelwa yimali? Qala ukukhangela amapensheni amadala ekuFumeni iProgram Pension Trust. 05 Fumana i-Left Money Money kwi-Old Bank Akhawunti
Unokuba neemali ezingabhalwanga kwi-akhawunti yebhanki yakudala, kwiimali zokubuyisela i-premium ehlawulwa kuwe, i-deposit deposits, i-dividend payments, i-akhawunti ye-escrow, okanye ngenxa yemvuzo efunekayo kuwe ngumqeshi wangaphambili. I-site missingmoney.com inikeza indawo yokukhangela ezininzi zezi ntlobo zezimali ezingekhoyo ngexesha elilodwa. (Ndinezigidi ezingama-200 ukusuka kumgaqo-nkqubo womshuwalense omdala iminyaka eyi-10 emva kweemali emva kokuba ndifudutse kummandla ukuze i-check back return to me.) 06 Ukufuna iifowuni zeNondyebo
ISebe leNondyebo lithi unyaka ngamnye iintlawulo ezingama-25,000 zeentlobo ezahlukeneyo zibuyiselwa njengento engenakulungiswa. Ibuye inerekhodi yeebhiliyoni zeedola zokubambisa izibophelelo ezingasayi kubuya umrhumo, kwaye ke umnini-mkhondi akazange ahlawule. Ukuba unaloo mabhonkco okugcina, uza kufuna ukuwafaka okanye ukuwabuyisela ukuze imali yakho iqale ukusebenza kwakhona. Nge-Hunt Hunt, unokubona ukuba iibhanki zakho zihlala zihlawula umdla kwaye zifuna nayiphi na enye imithombo engabonakaliyo yemali kwiNondyebo. 07 Khangela iiNtlawulo ze-Intshurensi yoBomi engakhokhelwa
Iinshorensi zobomi ze-inshorensi zihamba zingaziwa ngokuphindaphindiweyo kunokuba ungacinga. Ukuba unomgaqo- nkqubo womshuwalense wobomi onokudityaniswa kwemali unokukuhlawula imali okanye isitokisi; Ukuba unesidlo esidlulayo, kunokufumana iintlawulo ze-inshorensi yobomi ngaphandle kwakho. Kukho nawuphi na umcimbi, indawo yokuqalisa ukukhangela yakho i-demutualization-claims.com.