Abacwangcisi abaninzi bezeMhlala-phantsi abanakho iSicwangciso seSakhiwo esiSiseko
Akusiyo imfihlelo eninzi kuthi asiyithandi isihloko sokuceba. Abanye bacinga ukuba akukho propati yokucwangcisa kwindawo yokuqala xa abanye beyilungisa kwaye bacinge ukuba yinto enokuyinyamekela emva kokuthatha umhlalaphantsi.
Wonke umntu udinga isicwangciso sendawo esisisiseko kwaye kubalulekile ukuqaphela ukuba isicwangciso esiliqilileyo sepropati singaphezu kokushiya emva kwefa kwabanye.
Amanyathelo ambalwa nje angakunceda ugcine ukulawula nokukhusela abantu obaluleke kakhulu kuwe okanye ukuxhasa imibutho kwaye kubangela ukuba unomdla. Nazi izicwangciso ezimbalwa zokuceba ongazithatha ukukunceda uqalise:
Inyathelo 1: Yenza iinjongo ezinentsingiselo ezibalulekileyo kuwe nabathandekayo bakho. Cinga ngento ofuna ukuba icebo lakho lempahla lifeze. Enye indlela yokunceda ukunika isicwangciso sakho sepropati enenjongo nenjongo yokujongana nale mibuzo elandelayo kwaye ubhale uluhlu lwezinto ezibaluleke kakhulu kuwe. Ngaba ukhathazeke ngokukhetha umqhubi okanye umgcini kubantwana bakho? Unayo naziphi na izicwangciso zokunika izibonelelo? Ngaba ukhathazeke ngokufumana iindlela zokuphepha ixesha kunye neendleko zovavanyo?
Ngaba unayo imilinganiselo yentsapho ebalulekileyo okanye amabali ofuna ukuyidlulisa nge-ethical or letter legacy.
Emva kokufumanisa oko kukubaluleke kakhulu kuwe, cwangcisa ixesha lokuthatha isenzo kwaye wenze isiqinisekiso sokuthi unesicwangciso sendawo esisiseko kwindawo. Ukuba udinga uncedo oluthile oluhlelekile, ungasebenzisa lo Msebenzi woPhuhliso lweZakhiwo zoBuntu ukuqala ukubeka iinjongo zakho ngokubhala.
Inyathelo 2: Fumana amaxwebhu akho eemali ahlelwe. Ukuphonononga ukuba ngaba isicwangciso sakho sokuthatha umhlala-phantsi sisesigxina esifanele sidinga intlangano encinane. Okokuqala, zama ukufumana ulwazi olubalulekileyo lwe-akhawunti yomhlala-phantsi ye-401 (k) izicwangciso, i-IRAs, i-akhawunti ye-brokerage, njl njl. Ke, qiniseka ukuba unolwazi lwe-akhawunti ye-akhawunti yebhanki. Kodwa musa ukuma apho. Thatha ixesha lokudibanisa ulwazi lwe-inshorensi yobomi kunye nawaphi na amaxwebhu okucwangcisa izinto ezinjengeemfuno, iinkolelo, amagunya egqwetha, okanye iindawo zokuphila ezingakhange zihlaziywe kutshanje. Kwakhona kubalulekile ukugcina uluhlu lweephasiwedi ze-intanethi kunye ne-asethi ye-digital endaweni efanelekileyo ukuba abathandekayo bakwazi ukufikelela kuphela xa kwenzeka into ethile kuwe. Ukufumana ulwazi oluthe xaxa malunga nokulungiswa kwamaxwebhu akho hlola lo mthombo kwiNolo.com.
Inyathelo lesi-3: Hlaziya umgangatho wakho wezezimali ngokubanzi. Qala ngokugcwalisa isitatimende esilungileyo esilungileyo esibandakanya uludwe lwezinto zakho kunye namatyala. Xa usuqulunqe uluhlu lwemithombo yakho yezemali, usemgangathweni olungcono ukukhetha ukuba ubani omele athathe ifa lakho emva kokudlula. Uye wathatha inyathelo elibalulekileyo ekulandeleni ubuchule bakho bezemali ngokubanzi. Eli nyathelo libandakanya ukuhlaziywa kwinshuwalense yakho yobomi ukukhupha iimfuno zentsapho yakho kwimali engenayo, iindleko zemfundo ezayo kunye neendleko zokulungisa ifa.
Ukuhlaziywa kwe-inshorensi yokukhubazeka kubaluleke kakhulu kuba kunika ukukhuselwa kwengeniso kuwe nakwintsapho yakho ngexesha lokuphila kwakho. Ukufumana ulwazi oluthe xaxa ngobomi be-inshorensi yobomi kunye nokukhubazeka, kubandakanywa nezibalo zokubala, tyelela i-www.lifehappens.org.
Jonga iindlela zokulandelela impilo yakho yezezimali ngo-2016
Inyathelo lesi-4: Yenza amaxwebhu okucwangcisa iindawo ezibalulekileyo ezidalwe (okanye zihlolwe) ngokukhawuleza. Ungalindeli kwaye uvumele ukuyekisa okanye ishedyuli yomsebenzi / yokuphila ehamba ngendlela yakho. Unokugqiba isigqibo sokuba ngubani ofuna ukwenza izigqibo ezibalulekileyo zemali okanye zezokwelapha ukuba awukwazi ukuzenzela wena. Nalu uluhlu lwamaphepha abalulekileyo afanele abe yinxalenye malunga nesicwangciso ngasinye sepropati:
- Ngaba
- Umyalelo wokunakekelwa kwempilo ephakamileyo (i-life wills)
- Amandla enyango yommeli
- Amandla angapheliyo kummeli
La maxwebhu abalulekileyo akunika ithuba lokumisela ngokusemthethweni izifiso zakho zokusasaza iimpahla xa usweleka.
Kananjalo ungasebenzisa iinqununu ukubiza abagadi babazali bakho.
Amanye amaxwebhu anokuba yimfuneko ngokuxhomekeka kobunzima beemeko zakho zemali okanye isixa solawulo olongezelelweyo olufunayo. Iingxowa-mali zilungelelaniso zomthetho ezikuvumela ukuba unqume indlela kunye neliphi ipropathi elinikezelwa kwiindlalifa zakho. Kweemeko ezithile, i-trust mayingadingekile ukuba igcine ngakumbi ukulawulwa kwefa lakho. Ukuba uxhaswa ngemali ngokufanelekileyo, iinkolelo ezininzi zinokukunceda ukuba ugweme uvavanyo (iinqununu ziya kuhlolwa).
Ukuba awuqinisekanga ukuba ungaphila uncedo ekudaleni amaxwebhu akho abalulekileyo ongayibonisa kule khokelo malunga nendlela yokukhetha i-Attorney ye-Planning Planning. Unokujonga kwakhona nomqeshi wakho ukuba abone ukuba banikezela ngenkonzo yomthetho ehlawulwe ngaphambi okanye ukulungiswa kwamaxwebhu e-intanethi. Ukuba akunjalo, iisayithi ezinjenge-LegalZoom ne-Nolo zinikezela izixhobo ezifumaneka kwi-intanethi ukukunceda ukufumana la maxwebhu adalwe, kubalulekile ukuba unenkxalabo malunga neendleko zokuqeshisa igqwetha okanye ube necebo elichanekileyo. Khawukhumbule ukuba ukuba awunayo le mibhalo ebalulekileyo enendawo usenaso isicwangciso-mali nje ukuba isicwangciso esisekelwe kwimithetho yokunyameka kwimeko yakho.
Inyathelo lesi-5: Hlaziya izihlomelo zakho ezixhamliweyo kunye nezinto eziphathekayo ngokufanelekileyo. Ingqiqo engaqhelekanga yinto yokuba xa kusekunqunywe ukuthanda, umsebenzi wokucwangciswa kwempahla sele ugqityiwe. Akukho nto ingaba yinyani kwi nyaniso. Injongo yokugqibela kunye nolawulo olulawulayo kuphela ukuhanjiswa kweempahla ezixhomekeke kwi-probate, yinkqubo esemthethweni yokuhlawula amatyala kunye nokusasazwa kwepropati. Ngokuxhomekeke kwimeko ohlala kuyo ngoku okanye ngexesha lokuhlala umhlalaphantsi, inkqubo ye- probate esemthethweni ingaba yindleko kunye nokuchitha ixesha.
Ukwenza izinto zibe nzima nakakhulu, kungekhona zonke iifayili zokudlulisa ngeengxaki. Ngako oko, kubalulekile ukuchonga ixabiso elingadluli kwabanye ngokusebenzisa uluhlu luya kuthi lugqitywe. Ezi zihlandlo zibizwa ngokuba ziza kubakho indawo kwaye zibandakanye nayiphi na iakhawunti kunye neenkcukacha ezixhamliweyo ezifana ne-inshorensi, izicwangciso zomhlala-phantsi, i-IRAs kunye neenzuzo. Naliphi na impahla edibeneyo okanye i-akhawunti ye-akhawunti yeepass probate kunye nee-akhawunti ezikhethiweyo ezihlawulwayo ekufeni (POD) okanye ukudluliselwa ekufeni (TOD).
Inyathelo 6: Yabelana ngezicwangciso zakho nawo wonke umntu ochaphazelekayo. Ukuqhagamshelana neenjongo zakho kusengaphambili kunokunceda ukuphepha iingxabano zentsapho kunye nokunciphisa ukukwazi ukudideka okanye imibuzo malunga nezicwangciso zakho zokwenene. Ukuba unesicwangciso esikuyo kodwa akukho mntu unayo inkcazo ikhona kwaye izifiso zakho ziyakunakunyulwa ngokupheleleyo okanye kunokubakho ukulibaziseka okukhulu ekucingeni iimfuno zakho.
Inyathelo lesi-7: Hlaziya isicwangciso sakho rhoqo kwaye uyihlaziywe njengemicimbi ebalulekileyo yokuphila. Ubomi ngezinye iinkqubo ufumana indlela yesicwangciso esihle ngoko kubalulekile ukuphonononga nokulungelelanisa ezo zicwangciso njengoko kuyimfuneko. Ezinye iziganeko zobomi ezingadinga ukuhlaziywa kwisicwangciso sakho sempahla ziquka umtshato, ukuzalwa komntwana (okanye umzukulu), ukukhubazeka, ukulahlekelwa ngumntu othandekayo, umtshato, ifa elifutshane okanye imvula, okanye ukudala okanye ukutshatyalaliswa kwintsapho shishini. Ukuba kukho naziphi na iziganeko zokuphila ziqiniseke ukuba uhlaziya la maxwebhu alandelayo:
- Ukuthanda kwakho kokugqibela kunye nesivumelwano
- Amadokhumenti okuthemba
- Amandla egqwetha (unyango kunye nexesha elide)
- Izikhundla ezixhamliweyo kwizicwangciso zomhlala-phantsi (401k, 403b, 457, njl.), Ii-IRAs, i-annuities, i-inshorensi yempilo
Nangona ukucwangciswa kwempahla kungabonakali njengento ephuthumayo njengaye ezinye iinjongo zemali ezifana nokuphelisa amatyala, ukugcina umhlalaphantsi kwi-401 (k) isicwangciso kunye / okanye i-IRA, okanye ukudala isicwangciso-mali sokuthatha umhlalaphantsi, sinokuba yinxalenye ebalulekileyo yesicwangciso sakho semali xa ufuna. Ingxaki kukuba ukuba awunalo ezi zicwangciso ezibalulekileyo ngokufanelekileyo phambi kokuba ufikelele kwiminyaka yakho yomhlala-phantsi, kusenokwenzeka ukuba udephule.