Ukucwangcisa ngoku kwiindleko zengcwaba kunokunceda abathandekayo bakho kamva
Iindleko zokungcwaba zingenza umthwalo wemali kubathandekayo bakho ukuba abalungele ukuhlawula.
Ukuseka isicwangciso somngcwabo esithatha kwicala lezinto zezinto kunokukwenza ukuba inkqubo ingabakhathazeki kakhulu.
ISicwangciso soMngcwabo
Ukuba awuzange ucingisise ngokucwangcisa icebo lakho lomngcwabo, unokumangaliswa ukuba ufunde kangakanani ukungena kuyo. Ngokomzekelo, kuya kufuneka unqume ukuba ungathanda ukungcwatyelwa, udibanise kwi-crypt okanye ifakwe. Ukuba ufuna ukungcwaba okanye ukudibanisa, kuya kufuneka unqume ukuba kuya kwenzeka ntoni kwaye unjani uhlobo lwe-casket ongathanda ukuyenza. Ngomlilo, kufuneka uqikelele nendlela ihlala lakho eliza kugcinwa ngayo.
Uya kufuneka kwakhona ucinge ngoluphi uhlobo lwenkonzo yomngcwaba ongathanda ukuyifumana kwaye apho iya kubanjwa khona. Ngokomzekelo, unokufuna ukuya kwindlela yendabuko kwaye ube nenkonzo encinane kwicawa okanye kwindawo yokungcwaba. Okanye, unokuba ufuna ukuba abathandekayo bakho babuthele ndawonye ukubhiyozela ubomi bakho kwisikhumbuzo sokubambisana nesimo esibuhlungu somcimbi.
Ukucinga ngezi ntlobo zezinto kunokugqithisa kwaye kubonakale kunzima kodwa ukudala isicwangciso somngcwabo kwangaphambili kunokuqinisekisa ukuba umngcwabo wakho ubonisa iimfuno zakho ngaphandle kokongeza nayiphi na inkxalabo yovakalelo kubantu abashiye emva kwabo. Kwakhona kukunika ithuba lokuphendula iindleko ezithile, ukudala uhlahlo lwabiwo-mali kwaye uqinisekise ukuba ezo zindleko ziya kuhlawulwa.
Ukudala uhlahlo lwabiwo mali
Ingakanani uhlahlo lwabiwo lomngcwabo ekugqibeleni uhlose kwizinto ozicingile kwisicwangciso sakho. Indlela efanelekileyo yokulolonga uhlahlo lwabiwo-mali kukuqwalasela iindleko zomngcwabo ngamnye.
Nazi ezinye iindleko zomngcwabo ophakathi kwango-2017, ngokutsho kweNational Funeral Director's Association:
- Intlawulo yomsebenzi womncediso wesikolo ekhaya: i-$ 2,100
- Ukugcoba kunye neentlawulo zokulungiselela: $ 975
- Umrhumo womngcwabo: i-$ 500
- I-casket ye-Metal: i-$ 2,400
- I-Vault: $ 1,395
- Imali yokudumba: i-$ 350
- Ikhekhe lokudumba: i-$ 1,000
- I-Ur: i-$ 275
Iindleko ziyahluka ngokubanzi, kuxhomekeke kwikhaya lokungcwaba oyikhethayo. La manani ayithathi ingqalelo ingcambu yokungcwaba ngokwayo okanye ilitye lelitye. Isalathisi sinokuqhuba i-$ 1,000 ukuya kwii-2,000 ukukhusela nokulungiselela ukungcwaba. I-gravestone inokulinganisa i-$ 1,500 ukuya kwii-2,000 zama-dollar, kunye namaxabiso enyukayo amanqaku angaphezulu.
Uhlahlo lwabiwo-mali lufanele lubonise into enokukwazi ukuyichitha, ngokusekelwe kulindeleke kumngcwabo wakho. Kwaye ukuba utshatile, ufanele ukudala ibhajethi eyahlukileyo kumlingane wakho ukuqinisekisa ukuba akukho namnye oshiywe ungakulungelelwanga ngenye indlela.
Ukuhlawula iindleko zengcwaba
Emva kokuba ubeke uhlahlo lwabiwo-mali kwaye usebenzise iinkcukacha zesicwangciso sakho somngcwabo, isinyathelo esilandelayo sicinga ukuba uza kuhlawula njani.
Kukho iindlela ezintathu ozikhethayo:
1. Ukuhlawulwa kwangaphambili kwemali yoNgcwaba
Amakhaya amaninzi amngcwaba ngoku akuvumela ukuba uhlawule iindleko zakho zokungcwaba. Inzuzo yokwenza njalo kukuba unokuzifihla le ndleko ngelixa usaphila, ungashiyi ityala lokungcwaba kubathandekayo bakho. Kwaye, ukuba uhlawula phambili, ungayifaka intengo yomngcwabo, ukusika umngcipheko wamaxabiso okwenyuka ngenxa yokunyuka kwamaxabiso.
Kodwa, iindleko zomngcwabo zokuhlawula kwangaphambili azikho ngaphandle kwehla. Okokuqala, imali oyisebenzisayo ukulungiselela i-prepay ingasetyenziselwa ukusetyenziswa kangcono ngokutyalomali okanye ukugcinwa kwenye indawo. Masithi uneminyaka engama-40 ubudala kwaye uceba ukuchitha i-$ 10,000 kwimingcwabo. Ulindele ukuhlala ubuncinci kwiminyaka engama-80. Ukuba ubeka i-$ 10,000 kwi-akhawunti ye-brokerage endaweni yoko, ufumana i-rate ye-6 yepesenti yembuyekezo yonyaka, loo mali eyi-10 000 iya kukhula ibe ngaphezu kwama-100,000 kwi- intanethi .
Ukuhlawulwa kwangaphambili kunokuba kunengxaki ukuba unqumle ukufuduka kamva ebomini, okanye ukuba umngcwabo uphuma kwishishini. Kwimeko yangaphambili, ilungu lakho lentsapho linokuthi lijongene nokuhlawula iindleko zokuhamba kunye neendleko zokuhamba umngcwabo apho ulungise khona ekuqaleni. Yaye ukuba indlu yomngcwabo ihamba, unokufumana ubunzima bokubuyisela imali oyisebenzisileyo.
2. Inqwelo-mali yokuThengwa kweMpilo ukuhlawula iindleko zengcwaba
I-inshorensi yezobomi inokunika ukhuseleko lwemali kubathandekayo bakho kunye nomgaqo-nkqubo omncinci ungabhalwa ngokukodwa kwiindleko zomngcwabo. Ukuba uceba ukusebenzisa i-inshorensi yobomi kwisicwangciso sakho sokungcwaba, uya kufuna ukufumana umgaqo-nkqubo osisigxina, kunokuba ube ngumgaqo-nkqubo wokuphila kwithuba. Iipolisi ezingapheliyo zikugubungela ubomi bakho bonke, ngelixa imigqaliselo yenkqubo ijolise kuphela kwixesha elimiselweyo. Ngomgaqo osisigxina, awuyi kuba nexhala malunga nokugqithiswa kwakho.
Enye inzuzo yemigaqo-nkqubo yokusisigxina yikhono lokuqokelela inani lemali kumgaqo-nkqubo. Ubomi obomi nobomi bendalo, ngokomzekelo, bobabini banexabiso lemali. Ngokuxhomekeke kumgaqo-nkqubo, eli xabiso lemali likhula kwi-akhawunti yokulondoloza okanye yokutyalomali kwaye oku kukhula ngokuqhelekileyo akukho ntlawulo. Ufumana inzuzo emibini yokufumana inzuzo kwi-investment yakho, ngeli xesha uqinisekisa nokucwangciswa kwecwangciso lakho lokungcwaba kwezemali xa ixesha lokuba abaxhamli bakho bafune inzuzo yokufa komgaqo-nkqubo.
3. Hlela i-Akhawunti yeMali yokuSondeza iSicwangciso soMngcwabo
Ukuba unempilo eyaneleyo yomshuwalense kwaye awufuni ukuhlawulwa kwangaphambili, unokuhlala usebenzisa i- akhawunti yokugcina imali kwiindleko zomngcwabo. Ezi ngxelo zinokufumana inzala, nangona ngokuqhelekileyo kwisilinganiso esincinane kunokuba ungayifumana ngokutyalomali imali. Kodwa, banomngcipheko ophantsi. Ukuba ufuna ukufumana amazinga aphezulu kwaye awukhathazeki ngokufuna imali ngokukhawuleza, qwalasela isitifiketi sediphozi . IiCD ziyafumana amazinga aphezulu kwaye ungaqhubeka nokuqhawula imali ide ifuneka.