Ngaba ungomnye wama-70% wamaMerika angenayo intando?

Kutheni Ufuna Iintando

Ngaba unayo intando? Oko kukuthi, unomqulu osemthethweni ochaza iinkanuko zakho malunga nokuhanjiswa kwepropati yakho kunye nezinye izinto ezibalulekileyo ezifana nokunakekelwa komthetho kubantwana bakho abancinci xa udlula? Phakathi kwe-half-half-thirds yabantu baseMerika abanalo ukuthanda . Kodwa ngaba ufuna enye? Impendulo yinto evukisayo ewe xa uphendula ewe kuyo nayiphi na imibuzo elandelayo:

1. Ngaba unomdla ngubani ofumana ipropati yakho xa ufa?

1. Ngaba unomdla ngubani ofumana imali yakho xa ufa?
2. Ngaba uyamkhathalela ngubani oqeshwe ngumgcini wabantwana bakho abancinci ukuba ufe?

Ngubani Ofuna Imfuno?

Iifayile azikho nje ezo zityebi kunye nobutyebi . Kungakhathaliseki ukuba buninzi kangakanani okanye imali encinayo, injongo iyaqinisekisa ukuba nayiphi impahla kunye nepahla enayo enokuya kuyo kwintsapho okanye abaxhamli abayikhethayo. Ukuba ungumnini-shishini, ukuthanda kunokunceda ukuqinisekisa ukuguqulwa komthetho wezinto eziphathekayo.

Ngaphandle kwepropati yakho nezinto zakho, ukuba unabantwana abancinci, ukuthanda kuyimfuneko. I-intanethi iya kuqinisekisa ukuba ufanele ukhethe ukuba umgcini wakho womthetho kufuneka ukuba udlule ngaphambi kokuba abantwana bakho baneminyaka yobudala abadala.

Ngokuthanda, unokuthi igama elibizwa ngokuba yi- executor , okanye umntu othembela kuye ukuba negunya lokuqinisekisa ukuba iimfuno zakho zenziwa kwaye ukuqinisekisa ukuba yonke imicimbi yakho ihlelekile ukuhlawula imali ukukhansela amakhadi ekwereta.

Ngaphandle kwentando, inkundla yenza ezo zigqibo egameni lakho, phakathi kwabanye, ngokusetyenziswa kwexesha elide kunye nelo xesha libizwa ngokuba yi-probate. Bambalwa abantu abaceba ukufa kwikamva elikufutshane, kodwa ukuba uya kufa ngokukhawuleza ngaphandle kokuthanda, uya kubeka ingqalelo ngokungenakucingca intsapho yakho kunye nabathandekayo ekudidekeni okungadingekile kunye nokuxhalaba kwinto esele ilukhuni.

Ngaba Ufuna ummeli?

Kwabaninzi abantu, ukuthanda kuyinto elula ukuvelisa kwaye iyakulungele ukusebenzisa isofthiwe yomthetho efana ne-Quicken Willmaker Plus (i-Nolo Press, malunga ne-$ 50), ekunceda ukuba wenze i-Living Will, i-Living Trust, i-Bypass Trust, i-Power Power ye-Attorney, kunye nezinye iifom zomthetho ezibalulekileyo. Ukuba unesakhiwo esinzima ngakumbi, okanye awukhululekile usebenzisa isofthiwe kumaxwebhu anzima kakhulu, kufuneka uqhagamshelane nommeli wezobugebengu onokuthi asebenze neComputer Accountant (CPA) okanye umcwangcisi wezemali.

Uqala Njani?

Kwinqanaba elincinci, ukuthanda kwinqanaba lobomi bakho kufuneka lenze oku kulandelayo: khetha umgcini ukuba unabantwana abancinci, khetha umntu ophetheyo ukulawula yakho intando xa usweleka, uphinde uchaze ngokucacileyo indlela ofuna ukuba isakhiwo sakho sinikwe ngayo.

Isinyathelo sokuqala ekunqumeni indlela ofuna ukuba ipropati yakho isasazwe iqokelela ulwazi. Uya kuyimfuneko ubuncinane oku kulandelwayo nawuphi na umntu obizwa ngokuba yiyo intando yakho (njengabantwana, umlingane, abagcini abaceliweyo, umphathi, nabanye abaxhamli ):

• Amagama
• I dilesi
• Imihla yokuzalwa

Uya kufuneka kwakhona ukuba ugcine irekhodi lemali yazo zonke iitaliti, kubandakanya imali yokubolekwa kwemali, iimali-mboleko zemoto, iimali-mboleko zabathengi, iimali-mboleko zoshishino, kunye neakhadi zekhadi lesikweletu .

Uludwe lwezinto eziphathekayo, kubandakanywa ulwazi oluthe nkcukacha ngokuphathelele oku kulandelayo:

• Izindlu ezithengiswayo
• Ukugcina (i-akhawunti yebhanki, ii-CD, iimarike zemali)
• Utyalo-mali (amasheya, iibhondi, iimali ezihlangeneyo, iiCD)
• 401 (k), IRA, ipenshoni / i-akhawunti yomhlalaphantsi
• Iinshorensi yobomi be-inshorensi kunye nezibonelelo
• Inzala yobunini kwishishini
• Iimoto, izikebhe, iinqwelo kunye nezinye izithuthi
• Nayiphina impahla eyimfuneko

Ngokuqinisekileyo, kufuneka ugcine iikopi zeemfuno ezikhoyo, iinkolelo, imigaqo yokuqhawula umtshato, izivumelwano ezingenasiphelo kunye nanoma yimaphi amanqaku angokomthetho anokuchaphazela ukuthanda kwakho. Ukuba ugqiba ukwenza ukuthanda kwakho ngokwakho usebenzisa isofthiwe efana ne-Willmaker, unokuhlala phantsi phambi kwekhompyutha yakho yonke le ngcaciso ingentla kwaye ngeeyure ezimbalwa uvelise intando esemthethweni kwimeko yakho. Ukuba uziva ukhululekile ukuba negosa lenze njalo, kuya kufuneka ulungele ukuthatha oku ngasentla kwaye mhlawumbi ngolunye ulwazi kunye nawe ekuqeshweni kwakho.

Njengoko ubomi buguquka, kukulungele ukuphindaphinda ukuthanda kwakho ngezihlandlo okanye kwiimeko ezithile eziphambili zokuphila ukuqinisekisa ukuba ukuthanda kwakho kusabonakalisa iminqweno yakho. Ekugqibeleni, kodwa kungengona, ubuncinane bezinto aziyi kuba nantoni na ukuba akukho mntu uyakwazi ukuwufumana. Qinisekisa ukuba amalungu akho entsapho kunye nomphathi wakho uyazi apho ukuthanda kwakho kugcinwa khona.