Ukuba Utshatile Unokwenza Iimangaliso Ngeengxelo Zakho Zemali
Uluhlu lweenzuzo zomtshato lukhulu-ngokubhekiselele kwi-Ofisi yokuXanduva loRhulumenteni, kukho amalungelo ayi-1,138 adibeneyo kwisivumelwano somtshato [ Umthombo wePomplete ], ezinye zazo zilawula izinto njengemifula yamakhosi emigangatho yamaminerali kunye namanzi wamanzi kwi-estate estate eqeshwe kwi-Federal urhulumente - ngoko ndifuna ukugxila kwisigxina esiza kuba sisona sifanelekileyo kubafundi beli sayithi.
1. Unokubambisa kwi-IRA yomtshato
Inzuzo enkulu yemali yomtshato yikhono lokufaka isandla kwindawo yokukhusela irhafu efana neRoth IRA isebenzisa ingeniso yomlingane wakho ukufumana ukufaneleka nangona ungenayo umsebenzi ngaphandle kwekhaya. Oku kwenza ukuba imitshato apho omnye wamacandelo eyona yedwa yondlo yokutya ukubeka eceleni imali engaphezulu yokuthatha umhlalaphantsi kunokuba kunokwenzeka. Kwiibini ezitshatileyo, oku kungenziwa ngumtshintshi wezemidlalo kuba ixabiso elincinci elityalomali rhoqo linokubangela izigidi ezininzi zeerandi ezongezelelweyo ngokufanelekileyo xa uthatha umhlalaphantsi ukuba uqeqeshiwe, uqikelele kwaye uhambelana.
Yonke into encinane ibalwa.
2. Unako ukuhambisa i-IRA yomlingani wakho kwi-IRA yakho emva kokufa
Inzuzo engundoqo yemali yomtshato kukuba iqabane elitshatileyo elibhalwe njengomxhamli kwi-akhawunti yomhlala phantsi njenge- IRA yeNdabuko, i-Roth IRA , okanye i-401 (k), inokululela phezu kweempahla ezigcinwe kulezi zikhokelo zerhafu kwi-akhawunti efanayo lakhe igama, kwanokudibanisa ne-akhawunti ekhoyo.
Oku kunceda ukuqinisekisa ukuba umhlolokazi okanye umhlolokazi akahlawulwanga ngokungafanelekanga ngokulahlekelwa kwentela okanye i-tax free-free to compounding on existing savings because he lost her husband or wife.
3. Unokutshintshela iiAfa ezingenamkhawulo kwenye indawo ngaphandle kwesiKhokelo semali okanye iNtlawulo yeZakhiwo
Akukho mda kwintengo yexabiso ongayidlulisela phakathi kwabatshatileyo, kwaye akukho ntlawulo yokufa efunekayo kwifa elifunyanwa ngumlingane ohlala naye; inzuzo enkulu yemali yomtshato kwiintsapho apho omnye okanye bobabini banomdla omkhulu kunye kunye / okanye ukuqokelela kwezinto ezibonakalayo. Ezinye iindawo zineenkalo ezikhethekileyo zobunini obomeleleyo ukuba "Ukudibanisa neNene yokuPhila" kufumaneka kuphela kwiibini ezitshatileyo abanikazi ababhalisiweyo beemfanelo ezifana nobungqina bemibutho kwiinkampani ezinobunzima .
4. Unokuphinda uhlawule iikhompyutyala zentlawulo yakho yonyaka
Ngaba ufuna ukunika abantwana bakho, abazukulu, abantakwabo, abantakwabo, abazalwana, abantakwabo, okanye nayiphi na enye imali ehlawulwayo yerhafu, mhlawumbi ukubanceda bathenge ikhaya labo lokuqala, bahlawule iikholeji okanye baqale ukwakha iphothifoliyo yabo yokutshala imali? ICongress ivumela umntu ngamnye ukuba anike ummkeli $ 14,000 ngonyaka ngaphandle kokubangela irhafu yesipho (emele ihlawulwe ngumntu onika isipho, kungekhona ummkeli, ngaphezu komrhumo owenziwe okanye mhlawumbi isipho sisetyenziswe kumniki wobomi ukuxolelwa okukhaba phambi kweerhafu yezindlu).
Izibini ezitshatileyo zingadibanisa izipho zabo zerhafu, zinike i-$ 28,000 ngommkeli ngamnye. Basenokuthi baqhube phambili ngokusebenzisa izaphulelo zecala kunye neentlobo ezingabambiswanga kunye nabantwana abangabambiswanga kunye nabanikezela ngokubanzi ngokusekelwe kwimigwebo yerhafu esedlulileyo engaphezulu kweli ngxoxo (bathetha nomcebisi wezomthetho neerhafu). Musa ukunyamekela indlela oku kubaluleke ngayo oku.
Ngokomzekelo: Khawucinge ukuba uye wakha isidleke esikhulu. Unayo unyana. Utshatile nomkhwenyana wakho kwaye banabantwana abathathu. Ukudibanisa ukuxolelwa kweentlawulo zakho zesipho kunye neqabane lakho, unokunika i-$ 140,000 njengeyunithi yentsapho phakathi kwabo bobabini (umzekelo, unika unyana wakho i-$ 14,000, umlingane wakho unikela unyana wakho i-$ 14,000; Umyeni wonyana wengu-14,000 $; uphinda ngoku kunye neentlobo ezintathu.
Ukuba, endaweni yoko, wenze into efana noJohn Smith Family Holdings, LLC, kwaye wanikela ngemali engama-280,000 kwiimpahla kuwo, ummeli ofanelekileyo werhafu mhlawumbi uya kukwazi ukufumana i-50% yesaphulelo sokuthengiswa kwemali esetyenziswe kwiiyunithi ze-LLC ngoko-5 ngamnye Amalungu entsapho anikezelwe ngama-56,000 ngamawaka ngonyaka, ngokungachangekanga, ngaphandle kweerhafu ezihlawulwe; imali edibeneyo kwizinto ezixhomekeke kwingxowa-mali yentsapho yangasese ikuvumela ukuba uhanjise ngemali imali phantsi komthi wentsapho ngaphandle kobupolitika bezandla zabo kwiyiphi na.
5. Unomdla kwi-Intestate Succession kwiNgqungquthela Umtshato wakho uyaphumelela ngaphandle kokuthanda
Inzuzo enkulu yezemali yomtshato kukuba iqabane eliphilayo linomsebenzi obalulekileyo, oqhelekileyo, ongundoqo kwi-head line yelifa kwiimeko apho umyeni wakhe okanye umfazi wakhe udlula ngaphandle kwentando. Kwimeko yam yasekhaya yaseMissouri, umzekelo, indoda okanye umfazi ohlala esaphila uya kufumana i-$ 20,000 yokuqala kunye neepesenti ezingama-50 zezinto zonke kwifa lomlingane, kunye nezinye iipesenti ezingama-50 eziya kumntwana oswelekileyo okanye owamkela abantwana, . Kanye ngokubalulekayo, ukukhusela eli lungelo, umlingane osaphila unelungelo lokukwazisa ukuvavanywa kweengxoxo kwiinkqubo zenkundla.
Kodwa-ke, qwa lasele ukuba izinto ezinjengoba zixhamliwe ngamalungelo kwizicwangciso zomhlalaphantsi kwaye zidibene kunye nelungelo lokusinda okanye ezihlawulwayo kwiimpawu zokufa kwiibhanki zebhanki ziphakamisa zombini ukulandelelana kwentsapho kunye neenjongo zokubhala. Kukho iimeko zezibini ezitshatileyo kwiminyaka emininzi, kuphela ukuba nomyeni wangaphambili okanye umfazi ongaphambili, ongekho emfanekisweni wee-30, iminyaka engama-40+, ukufumana i-IRA ezinkulu kunye ne-401 (k) kwiakhawunti kuba Uhlu lwabaxhamli aluzange luhlaziywe. Akukho nto ongayenza ngayo, nokuba kunjalo. Qinisekisa ukuba iphepha lakho lilungelelaniswa!
6. Unelungelo lokuvuselela okanye ukwandisa i-Copyright kwixesha lakho elide loMngane weNgqiqo
Ipropathi yepropathi ingaba ngumthombo omkhulu wemali engenayo . Ukuba umyeni wakho okanye umfazi wakho unelungelo lobunikazi kwiincwadi, imidlalo, umculo okanye enye imisebenzi, unokugcina ulawulo olulodwa kwipropati ngokungathi wayesaphila, ukugcina i-asethi ikhupha imali kwintsapho yakho okanye iindlalifa ezininzi ixesha elide kunokuba lingafumaneka.
7. Unokuba ngumxholo wokufa, iPensheni, kunye neNzuzo yokuPhepha kumntu oMtshatanga naye okanye umlingani wangaphambili
Izibonelelo zokhuseleko lweNtlalontle, iiRhafu zezilwanyana, iimpazamo zerhafu zepropati, ukuhlawulwa kweerhafu eziyi-100,000 zamagosa okhuseleko loluntu ezibuleweyo kumgca womsebenzi, ukukwazi ukuhlala kwiimpilo zenkxaso-mali ezixhaswe ngumqeshi, ilungelo lokuqokelela umvuzo wokuhlawula abasebenzi kunye nemvuzo ngenxa yokuma ukuqokelela inzuzo kumzila wezitrato, abasebenzi basezikhungweni, kunye nabasebenzi bexesha elide, iinkonzo zokufa kwezempi, ukunakekelwa kwekhaya lokunonyamekela, ukuncedwa kwabasebenzi abasemagunyeni ... ukuba iqabane lakho liye lafumana uhlobo lomhlalaphantsi okanye inkqubo okanye inzuzo, njengefestile okanye umhlolokazi, baya kukwazi ukuqhubeka beqokelela ezinye zezo zinto.
8. Unokwenza kwakhona Iipropatium Properties phakathi kwakho kwaye Unandiphe ukuxolelwa kwi-"Yokuthengwa Kwentengiso" Amagatya athile aMatyala afana neeNgxowa-mali ezikhuselekileyo.
Ukuba ufuna ukutshintsha impahla yomtshato kumlingane wakho ukuqinisekisa ukuba uhlala ezandleni zakhe (okanye ngesinye isizathu), phantsi kweemeko ezininzi, kufuneka ukhululwe kwizinto ezifana 'neziganeko zokuthengiswa' kwiimali zokugcina imali ezenza ibhalansi yonke ifanelekile ukuba kukho utshintsho lobunikazi.