Into ongaziyo malunga nokuCwangciswa kweZakhiwo zingakukhathaza wena kunye nentsapho yakho
Engqondweni yam, imfundo ibalulekile kuba ithatha inkqubo enzima yokucwangcisa ifa kunye nokuyiphuhlisa ibe yincinci kwaye kulula ukuyiqonda.
Emva kokuba uqonde enye inxalenye, unako ukuqhubela phambili ukuya kwinqanaba elilandelayo de ngokukhawuleza yonke into iyacaca. Uya kuqonda ngoko ukuba ukucwangciswa kwezindlu kungekhona nje ngokusayina iqela leemibhalo ezisemthethweni ezichithwa ngaphandle kwikhomputha-kunoko, malunga nokwenza izigqibo ezinolwazi ezikhokelela ekudalweni kweemibhalo ezisemthethweni ezenza izifiso zakho, iinjongo kunye nemiyalelo yokugqibela ngokubhaliweyo, kubangele into enye eyona siseko ukuba uceba lwezinto eziphathekayo luyiyo yonke into-ukudala uxolo lwengqondo kuwe nabathandekayo bakho.
Ukuba unenhlanhla ngokwaneleyo ukuba usebenze kunye nommeli wezocwangciso lwezindlu okholelwa ekufundiseni abaxumi malunga nenkqubo yokucwangciswa kwezindlu - ngelanga, ukusuka kwinto endibonileyo, bade kakhulu kwaye bambalwa phakathi - ngoko uya kuqonda kakuhle imiba echazwe ngezantsi. Ukuba akunjalo, funda ufunde ukuba uthathe inkambo yokuhlaselwa ekucwangcisweni kwezinto.
7 Iimfuno zoPhuhliso lweZakhiwo
Isihluthulelo sokuqonda isicwangciso sakho sempahla kukuqonda iimpendulo kule mibuzo i sixhenxe:
- Iyintoni injongo yesicwangciso sezindlu? Ukucwangciswa kwezindlu akukona nje ngokucwangcisa oko kwenzekayo kwipropati yakho emva kokuba ufe, kukwahlelwa nokucwangcisa okwenzekayo kuwe kunye nepropati yakho xa unengqondo engaphumeleli. Izihlandlo ezininzi izicwangciso zokukhubazeka kwengqondo azixutyushwa okanye zithinteke kuphela ngexesha locwangciso lwezindlu. Le mpazamo kuba iinkcukacha zibonisa ukuba ngelixa abantu baphila ixesha elide, abahlali baphila impilo enempilo. Ngaphandle kwalokhu, izingozi zingenzeka nanini na enokukwenza ukuba awukwazi ukwenza izigqibo zomntu siqu kunye nezezimali. Ngoko ke, isicwangciso sakho sempahla kufuneka sibhekiselele kokubili ukucwangciswa kokukhubazeka nokucwangcisela ukufa.
- Ziziphi iirhafu ezichaphazela umhlaba? Kukho iintlobo zerhafu ezinokuchaphazela ifa lakho: irhafu yentlawulo (kubandakanywa irhafu yeerhafu ), iirhafu zesipho , isizukulwana sokwehla ukwehla kweerhafu , kunye nentlawulo yengeniso. Ukuqonda ukuba kwaye iirhafu ziya kuthintela njani ifa lakho kwaye, ngoko ke, ilifa eliza kufunyanwa ngabaxhamli bakho, liyinxalenye ebalulekileyo kwinkqubo yokuceba indawo.
- Ipropati yakho ibhalwe njani? Le ngcamango elula - indlela ipropati yakho ebizwa ngayo iya kuthi ngubani oza kuyidla ilifa emva kokuba ufe - kodwa nangomhla ngemihla kunye nabameli bezocwangciso zezindlu badibana nabantu abangayazi ukuba yonke impahla yabo ibizwa njani. Ingaba ngamagama adibeneyo kunye nelungelo lokusinda , abaqeshi ngokubanzi , abaqeshi abafana nabo , okanye ekukholweni okuphikisayo kokuphila? Okanye, kwiintlobo ezithile zeempahla, ngubani obizwa ngokuba ngu-primary and secondary beneficiaries? Ukuqonda ukuba ngubani ongokoqobo kwisicwangciso sokuthengisa kakuhle ngenxa yokuba ngubani ophetheyo ngoku kukhokelela ekubeni ngubani oyakulidla ilifa emva kokufa. Umzekelo, ukuba wakho uya kushiya yonke into ngokulinganayo nomntakwenu nodade wakho kodwa zonke ipropati yakho ibhalwe ngamagama adibeneyo kunye nelungelo lokusinda kunye nodade wakho, kwaye yonke impahla yakho iya kuhantawa wakho emva kokufa kwaye akukho nto iya kuhamba wakho kumzalwana. Emva koko yintoni injongo yento yakho?
- Yiyiphi i-trust you reverable living trust kwaye uyayifuna? Ukholo olusususwayo lokuphila luyimibhalo esemthethweni ehlanganisa izigaba ezintathu zobomi bakho - kwenzeka ntoni kuwe nakwipropati yakho xa usaphila kwaye ulungile, ukuba unengqondo yokukhubazeka, kwaye emva kokufa kwakho. Esinye sezizathu eziphambili abantu basebenzisa ukuthembela kokuphila okupheliswayo njengenxalenye yesicwangciso sabo sezindlu kukuphepha ukuvavanya , kodwa sinesixhobo esinamandla sokugcina isicwangciso sakho sempahla yentsapho yangasese . Kwaye ngenxa yokuba ukucwangciswa kobuhlaba akukona ubukhulu obufanayo, buya kuba nemiba emininzi ekufuneka iqwalaselwe ngaphambi kokugqiba isigqibo sokuba ukuthembela okuphilileyo kukulungele.
- Ziziphi iinketho zokuhlawula abaxhamli belifa labo? Emva kokubeka isicwangciso kwindawo ekunyamekele yona kunye nepropati yakho ukuba ungekho ngokomoya, ungagxininisa kuba ngubani oza kudla ilifa lakho kunye nendlela abaza kuyidla ngayo emva kokufa. Zininzi iindlela ezahlukeneyo zokushiya ipropati yakho kubaxhamli bakho-ngokucacileyo kwisisombululo esisodwa, kwiinqanaba okanye kwiinqanaba, kwiindawo zokuphila zokuqonda, kunye nayo yonke into ephakathi. Kwakhona kubalulekile ukuqonda umahluko phakathi kokubonelela abaxhamli bamancinci ngokumalunga nokubonelela abaxhamli abadala . Ngaphandle kwalokhu, unokufakela imicu kwipropati yakho kwaye unciphise indlela ipropati yakho ingasetyenziswa ngayo.
- Ziziphi iimpepha zokucwangciswa kwempahla ebalulekileyo? Iibhloko zokwakha zesicwangciso sezinto ezilungileyo ziquka i- Final Will kunye neTestamente , iMigaqo yokuNakekelwa kwezeMpilo , iMpilo yoBomi kunye naMandla weGqwetha . Ngaphandle kwala maxwebhu, njengoko kuchazwe ngentla, abanye abantu banokuzuza ngokubandakanya i-Revocable Living Trust njengenxalenye yesicwangciso sabo sobubi.
- Kufuneka uhlolisise kangakanani isicwangciso sakho sefa? Xa unesicwangciso sakho sempahla endaweni, awukwazi ukuwufaka nje kwi-drawer uze uyibale. Usuku kunye nemini kuphuma izinto eziza kuphazamisa isicwangciso sakho sezinto eziphilayo - unokutshata okanye uqhawule umtshato, unabantwana okanye abazukulu, ulahlekelwe ngumthandayo, uhambe kwimeko entsha, okanye uthenge okanye uthengise ishishini. Ngaphandle kweli, imithetho yelizwe kunye neyomthetho iyatshintsha lonke ixesha. Zonke ezi zinto, kunye nabanye abaninzi, ziya kuthintela isicwangciso sakho sezinto, kwaye ke kufuneka uhlaziye isicwangciso sakho rhoqo ukuze uqinisekise ukuba ihambelana neenjongo zakho zokucwangcisa ifa.