Ukujonga kwiCandelo lePropati, iMatyala, iiNgxowa-mali zoMhlalaphantsi, kunye neNtlawulo kwiSahlulo
Ukuqonda ezinye zezinto ezisiseko, nasi isikhokelo kwezinye zezinto ezinkulu zemali zomtshato. Ukufumana ulwazi oluthe ngqo malunga nendlela yokusingatha le nkxalabo yezemali, qiniseka ukujonga indlela yokujongana neempembelelo zemali zesehlukaniso , ezibandakanya ingxoxo yokuxhasa abantwana kunye ne-alimony.
Ulwahlulo lweZakhiwo kwiSahlulo seSahlulo
Umtshato wakho ufike ekupheleni. Ngubani ofumana isibuko se-antique umkhwekazi wakho akunike iKrisimesi yokugqibela? Ngubani ofumana i-stocks kwi-GE? Kuthiwani ngefenitshala? Wena imoto? Ukwahlula njani iimpahla zeminyaka yomtshato? Isakhiwo sokudibanisa sinokuthi sinqunywe ngumthetho welizwe okanye umyalelo wenkundla njengoko kuphazamiseka kunye nesivumelwano phakathi kwakho neqabane lakho. Okwangoku, kukho inani elithoba kwi-United States (oko kukuthi, i-AZ, i-CA, i-ID, i-LA, i-NE, i-NM, i-TX, i-WA, kunye ne-WI) ebizwa ngokuba yipropati yoluntu . Le mibandela ineemithetho ebambe ukuba yonke impahla efunyenwe ngexesha lomtshato ngumlingane ibonwa njengeempahla zomtshato ezidibeneyo.
Iimpahla zomtshato ezidibeneyo ngokubanzi zihlukana ngokulinganayo phakathi kwabatshatileyo ekuqhawuleni umtshato. Ngaphandle kwemithetho ekhethekileyo kwipropati yoluntu, kukho ezinye iindlela ezininzi ezithatyathwe ukuhlulwa kwempahla yomtshato.
Okumangalisa kukuba, abantu abaninzi baya kwisivumelwano esifanelekileyo malunga nokuhlulwa kwepropati, kodwa ukuba kukho ukungavumelani malunga nento enye okanye ngaphezulu, kukho iindlela ezintle zokukhetha ukuba ngubani ofumanayo.
Enye yezona zinto zixhaphake kakhulu, apho omnye umlingane ethatha izinto ezithile ngokutshintshana nabanye. Ngokomzekelo, umfazi angathabatha imoto kunye nenfenitshala ngokutshintshela umyeni ukuba athathe isikebhe. Enye indlela esetyenziswe kwisahlulo sepropati ukuthengisa impahla yomtshato kunye nokwahlula imali ngokulinganayo. Amaxesha aphindaphindiweyo, abalamlamli okanye abalamlamli banokusetyenziswa.
Qiniseka ukuba uyaziqonda ngemithetho elawula ukwahlula kwipropati kwimeko yakho. Unokufumana ulwazi malunga nombuso wakho kwi-DivorceNet.com. Ukufumana iingcebiso ezinzulu malunga nendlela yokugcina imali kwiimali zomthetho ngokwahlula ipropati ngokwakho, jonga i-Divorce Central FAQs kwiingxaki zezeMali zesehlukaniso, ezibandakanya phakathi kwezinye izinto, ingxoxo ecacileyo yendlela efanelekileyo yokujongana nayo ekhaya kwikhaya .
Ulwahlulo lweziTyala kwiSahlulo seSahlulo
Ngokuqhelekileyo kunzima ukuhlula ipropati ekuqhawuleni umtshato isigqibo sokuba ngubani na oya kuba noxanduva lwetyala le sibini eliye laqhuba ngexesha lomtshato. Ukuze wenze oku, uya kufuneka ukwazi ukuba uninzi kangakanani. Nangona uthembela ngokupheleleyo kumlingane wakho, yenza ngokwakho ubenomdla kwaye ulandele ingxelo yakho yokubambisana ngetyala kwi-arhente nganye yeentengiso ezintathu. Abantu baye baziwa ukuba baqhube amatyala ngaphandle kolwazi lomlingane babo, ngakumbi xa bacinga ukushiya umtshato.
Ukujongana nale nyathelo kunokubhatala iminyaka kwiintlawulo zetyala.
Emva koko, hamba ngeengxelo zeebredari uze ubone ukuba yeyiphi na ityala elibelwanayo kunye negama lakho lomlingane kuphela. Kule ngongoma, kubalulekile ukuyeka ityala ekukhuleni naluphi na olukhulu ngelixa usebenza ngokuqhawula umtshato. Indlela efanelekileyo yokwenza oku kukukhansela amaninzi akho amakhadi ekwereti, ushiye mhlawumbi omnye ukuba asebenzise iimeko eziphuthumayo.
Emva kokuba ufumene amatyala akho kwaye uthathe amanyathelo ukuqinisekisa ukuba akanyuswanga, lixesha lokugqiba ngubani oza kuba noxanduva lwetyala. Kukho iindlela ezininzi zokwenza oku, kuquka:
- Ukuba kunokwenzeka, hlawula amatyala ngoku ngoku. Ukuba unayo imali okanye i-asethi ongayithengisa, le ndlela yindlela ecocekileyo. Awunakuxhalabisa ukuba lakho iqabane liyakushiya unembopheleleko yesabelo sakhe setyala, kwaye unokuqala ukuhlawula ityala lakho elitsha.
- Vumelanisa ukuthatha uxanduva lwamatyala ngokutshintshela ukufumana iimpahla ezingaphezulu kwiqendu lepropati yakho.
- Vumelanise ukuvumela iqabane lakho ukuba lithwale uxanduva lwamatyala ngokutshintshela ukufumana iimpahla ezingaphezulu kwizahlulo zepropati.
- Vumelana nokwabela uxanduva malunga namatyala ngokulinganayo. Nangona ekugqibeleni oko kukhetha kubonakala kuninzi "okulungileyo," kukushiya bobabini bakho abasengozini. Ngokusemthethweni, usenomsebenzi xa umlingani wakho wesibini engasayi kuhlawula, nangona ukuba uthetha isivumelwano esithatha uxanduva malunga netyala.
Imiba Yentlawulo kwiSahlukaniso
Abantu ngamanye amaxesha babanjwa ngokugqithiseleyo kwaye bakhulume ngemibandela yokuqhawula umtshato njengokwahlukana kwepropati kunye namatyala, ngubani oya kugcina abantwana, njl. Ngenxa yoko, abaninzi abakucingi ngemiphumo yerhafu yomtshato wabo , ulawulo olungaphaya amawaka eedola okanye ngaphezulu. Le yilapho umgcini-zimali-nkonzo oqinisekisiweyo woluntu (CPA) oza kusebenza kakhulu njengenxalenye yeqela lakho lomtshato. Imiba yentela enokuvela kumtshato ingabandakanya:
- Ngubani oza kufumana irhafu yokuxhomekeka kwabathengi?
- Ngubani oya kuba nako ukubiza ibango leNtloko yeNdlu?
- Yiyiphi imirhunga yomrhumo ehlawulwa irhafu?
- Unokuqiniseka njani ukuba iintlawulo "zokugcina" ziya kutsalwa irhafu?
- Unokuyiphephekisa njani impazamo yokufumana inkxaso yenkxaso yabantwana kungeyiyo inqununu?
Ukuxubusha okupheleleyo ngale miba, qiniseka ukufunda iiNtsholongwane zerhafu zoSahlulo seNtshato kunye neSahlulo seSahlulo kunye neeNkcazo zerhafu. Ewe, njengokuba utshintsho lomthetho werhafu kwaye imeko yakho ekhethekileyo ingadinga ingqwalasela ekhethekileyo, qiniseka ukuba udibanisa neengcali zerhafu.
Isicwangciso soMhlala-phantsi kwiSahlukaniso
Ukuba lakho iqabane ligcinwe umhlalaphantsi, mhlawumbi unelungelo, ngumthetho, kwisiqingatha. Le mali ingasetyenziselwa umhlalaphantsi okanye ukuhlawula indlu, iindleko zokuthutha, okanye ezinye iindleko zangoku. Ukuze ugweme isohlwayo se-10% ekukhutsheni kwangaphambili, qiniseka ukuba ulandele imigaqo ye-IRS, njengoko kuhlanganiswe kwiSahlulo soThathane kunye nee-Assets: Ukufumana Imali ngaphandle kokufumana isohlwayo seThutho yeRhafu ye-10%. Umba oyintloko kunye nokwahlukana kweempahla zomhlalaphantsi kukuba ngelixa i-asethi inokuthi okanye ayinakwanela izidingo zakho zomhlala-phantsi, ngaphezulu kweemfuno zakho zomhlalaphantsi ziza kuba zininzi. Ngenxa yoko, kungekuphela nje kufuneka uqwalasele indlela ezi zizahlula ngayo, kodwa indlela oya kuqhubeka ngayo ukufaka isandla kubo ukuze ukhusele ikusasa lakho lemali ngokuthatha umhlalaphantsi (kwanjengokuba ikusasa lakho elisondeleyo lingabandakanywa kwakhona).
Zi fundise
Ukwahlukana kunokukhupha abantu ababi kakhulu, kwaye kufuneka uqaphele ukuba nabathembekile kunabo bonke abantu bazama ukukopela xa kuziwa ekuzinzeni imali ngokuqhawula umtshato. Abatshatileyo bangaphinda baxele ingxelo yengeniso, cela umqeshi ukulibazisa ibhonasi enkulu okanye ukwanda kwemivuzo, phakathi kwezinye izinto ezingathembekanga. Abaninzi abasengozini yilezo abo baqabane babo banezoshishino ezisondeleyo. Ukukhusela okusemgangathweni xa ubhekane neengxaki zemali zomtshato kufuneka ukwazi. Kubaluleke kakhulu ukuba bobabini bomtshato bafundise ngeemali zabo ezihlangeneyo ukuze kungabikho nto eyimfihlo yokungahoywa. Kwimeko yokuqhawula umtshato, ukungazi akukho nto.
Ezinye iiNkxaso kwiiNdaba zeMali zesehlukaniso
Ukufumana inkcazelo engakumbi malunga neengxaki zemali ekuqhawuleni umtshato, qiniseka ukuba uqhagamshelane nendlela ojongene ngayo neempembelelo zemali zesehlukaniso .