Ukufumana Izinto NgesiXeko Nangona Unamandla
Isihloko Iimpahla Zakho Ngokubambisana Nabanye
Ubunini bobambiswano bepropati mhlawumbi yindlela elula kakhulu yokuphepha umgcini ogcinwe yinkantolo okanye ukugcinwa kwempahla.
Ukuba uyakwazi ukukhubazeka kwaye kukho omnye umntu ogunyazisiweyo wokufikelela i-akhawunti yakho yebhanki okanye i-akhawunti yezobalo-mali, omnye umntu uya kuba nako ukuhlawula iimali zakho kunye nokulawula utyalo-mali. Ukuba unomnikazi odibeneyo kwikhaya lakho okanye enye indawo ye-estate, ke, omnye umnini akayi kukwazi ukuthengisa okanye ukuboleka imali ngaphandle kwemvume yakho, kwaye ukuba ungekho ngokwenza ngengqondo awuyi kukwazi unike imvume yakho. Ngaphandle kwalokhu, ukongeza abanye abanikazi kwi-akhawunti yakho yebhanki kunye ne-akhawunti yezobalo-mali okanye i-real estate ingathi, phantsi kweemeko ezininzi, kuthathwa njengesipho kwiinjongo zerhafu zesibonelelo nesibonelelo sombuso. Kwakhona, ukuba umnikazi wakho odibeneyo uyamangalelwa, ngoko ifa lakho lingathathwa njengemiphumo yomthetho-mvume.
Amandla Okubonakalisa Amagqwetha NgeeNkonzo Zakho Zemali
Wonke amaziko emali, kubandakanya iibhanki, imibutho yamatyala kunye neenkampani zokutyalomali kunye neengxowa-mali, zineenkcukacha zazo zamagunya egqwetha.
Unokuthatha inyathelo ngelixa ufanelekile ngokwengqondo kwaye usayine enye kwiakhawunti yakho yezimali. Oku kunjalo, kunokuba ngumthwalo xa unama-akhawunti amaninzi kumaziko amaninzi. Ukongezelela, ezi fom aziyi kugubungela iifayili zakho ezifana nezitokethi kunye nezibophelelo, iziphumo zomntu, iimoto kunye neenqanawa, inshorensi yobomi kunye neentengiso.
Qhubeka ukhumbule ukuba xa usayina amandla aqineleyo wegqwetha , unika i-ejenti yakho egqityiweyo kwisiqulatho (ngokuqhelekileyo kuthiwa ngu "igqwetha lakho ngokwenene") ukufikelela ngokukhawuleza kunye nokugqibelela kwi-akhawunti ehlanganiswe ngamandla igqwetha.
Tyikitya amandla aqhelekileyo weGqwetha
Amagunya aqhelekileyo amagqwetha angabhalwa ukufihla ezininzi iintlobo zeefa. Nangona kunjalo, ingxaki ngamagunya asemagunyeni jikelele, nokuba kunjalo, ingabonakali naluphi uhlobo oluthile lwe-asethi, lungaba lubuhlungu kwaye lube lukhuni ukuyisebenzisa kuba luya kufuneka luhlolwe liSebe lezomthetho leziko, kwaye lingaba emva kweminyaka emininzi kwaye amaziko akho emali angenakulihlonela. Kwakhona, njengoko kukhankanywe ngasentla, ugunyaziwe ohlala njalo ligqwetha liya kunika igqwetha lakho, eqinisweni, ukufikelela ngokukhawuleza kunye nokungafihli kuyo yonke impahla yakho.
Tyikitya I-Advance Medical Directive / I-Health Care yamagqwetha
Buza ugqirha wakho oyintloko malunga nokusayina umyalelo wonyango ongaphambili , obizwa ngokuba ngumncedisi wempilo yommeli kwamanye amazwe, ngexesha elizayo xa u tyelela. Le fomu iya kuba yindlela ebalulekileyo elandela imithetho yombuso apho uhlala khona. Kweemeko ezithile, nangona kunjalo, njengokuba uhamba ukusuka ekhaya okanye usengozini kwaye ufuna umntu enze izigqibo ngokukhawuleza, ifom egcinwe kwifayili kwiofisi yakho ugqirha ayiyi kuba luncedo.
Enye indlela yokutyikitya umyalelo wonyango ongaphambili owenziwe ngummeli wecebo lomhlaba. Olu xwebhu luya kuba luphelele kwaye lubhekiselele zonke izigqibo zakho zonyango. Ukuze le ngxelo ebalulekileyo ifumaneke xa kuyimfuneko, abaninzi bathi manje banomgaqo-mpawu we-"Advance Health Care Registry Registry" apho ungagcina ikopi yamaphepha enkonzo akho. Ungasebenzisa kwakhona iinkampani ezizimeleyo ezifana neDibubank kunye ne-US Living Will Will Registry ukugcina amaxwebhu akho ayimfuneko ebonyango.
Beka up kunye neNgxowa-mali yokuKhuselwa kweMpilo
I- Averable Living Living Trust mhlawumbi yindlela efanelekileyo kakhulu yokucwangcisa ukukhubazeka kwaye igweme ukugcina umgcini okanye ukugcinwa kwempahla. Oku kungenxa yokuba impahla egcinwe egameni lithemba lifikeleleke kwaye lilawulwe ngumntu okanye isiko olibiza ngokuba nguMphathiswa wakho wokukhubazeka.
Nangona usenayo i-Revocable Living Trust, kunjalo, kufuneka uqwalasele oku kulandelayo:
- Okokuqala, qiniseka ukuba ikholo lakho liqulethe (a) amalungiselelo athile ekunqumeni ukuba ungekho ngengqondo engenakho ngaphandle kwenkqubo yenkundla, kwaye (b) namalungiselelo athile malunga nendlela i-asethi ethembekileyo kufuneka ilawulwe ngayo ngenzuzo yakho xa ukhubazeka ngokwengqondo - abaninzi Ndiyathemba ukuba ndiyihlolisisile nje ingenalo olu lwimi.
- Okwesibini, qiniseka ukuba uthatha ixesha lokuxhaswa kweempahla zakho kwi-trust , ngaphandle koko, i-asethi yakho egcinwe ngaphandle kwetrasti inokuphela ekugciniweyo okanye kugcinwe.
- Ekugqibeleni, qinisekisa ukuba unamandla aQinisekayo anelungelo leNqwelo-mboleko ukufihla impahla engeke ibe yinto enokuthenjwa kwakho, njenge-inshorensi yobomi kunye ne-akhawunti yomhlala-phantsi kunye ne-IRAs kunye nama-401k.