He aha nā mea waiwaiʻole?

ʻO ka mea kūʻaiʻole i kahi kūʻai waiwai

ʻO nā'āpana pāʻaniʻole heʻano kūikawā kūikawāʻole ia e ponoʻole ai e hele i ka papa hana hoʻopuka ma hope o kou make a e hele pololei aku i kou mau hoʻoilina. ʻO ka loaʻaʻana o ka waiwai pāʻaniʻole kekahi o nā ala maʻalahi e pale aku ai i ka pānaʻi kūʻai a me ka manawa kūʻai. E loaʻa i nā hoʻoilina i kēlā me kēia manawa nā kuleana pāʻaniʻole i kou mau hoʻoilina i loko o kahi manawa pōkole ma hope o kou makeʻana i ka manawa e loaʻa ai i kāu mau hoʻoilina ka palapala hōʻike make.

ʻO kahi'ōlelo no ka'ōlelo hoʻolaha no kahi waiwaiʻole

ʻOiai kaʻaʻaʻana i ka pōpilikia ma luna o kaʻili eʻikeʻia he hopena maikaʻi,ʻo ka manawa e hoʻopauʻia ai ka waiwai pāʻaniʻole i nā lima o ka poʻe kōkua, aiʻole kaʻoi aku paha o nā mea aie,ʻaʻoleʻoe i makemake e loaʻa. Eia kekahi laʻana, inā loaʻa iāʻoe kahi pūnaeke pū me kekahi o kāu mau keiki (e kāhea mākou iā iaʻo Sue) akāʻekolu kāu keiki, a makemakeʻoe iʻekolu o lākou e loaʻa i kāu waiwai, ma kahi o ka pūʻulu pili e 100% i Loaʻa ma hope o kou makeʻana aʻaʻoleʻo ia e kū i ke kuleana i ke kuleana e puʻunaue i kaʻike me kāu mau keiki'ē aʻe. Ponoʻoe e noʻonoʻo inā inā ua mareʻo Sue a haʻaleleʻia iā ia a iʻole he hoʻopaʻi paha iā ia, a laila,ʻo kāna kāne a me ka mea i'ai'ē paha me ka hoʻokolokolo e ho'āʻo e hopu i nā waiwai i mālamaʻia i loko o kāu kāleka. No laila, pono ke hoʻohanaʻia ka waiwai hoʻopiʻiʻole ma hope o ka hoʻomaopopo pono i ka mea e loaʻa iā ia ma hope o kou makeʻana a me nā hopena o ka hoʻonuiʻana i nā mea nona ka waiwai a me nā waiwai waiwai .

Ma keʻano laulā, aia iʻeono mauʻano likeʻole o nā waiwai waiwaiʻole i hōʻikeʻia ma lalo nei.

6 Ke 'ano o nā'Apana No-Probate

1. ʻO nā waiwai i loaʻa i kou inoa wale nō akā he uku i ka make (POD) , hoʻololi i ka make (TOD) , aiʻole i ka inoa hilinaʻi no (ITF) e pale i ka pāʻani ma hope o kou makeʻana. Loaʻa i loko o ka pūʻulu o nā states nā hōʻaiʻo mālama ola a me ka hoʻololiʻana i ka make a iʻole nā mea kōkua. Eia naʻe, inā i loaʻa mua nā mea i kohoʻia i ka waihona a me ka mea waiwai, a laila, pono e hele i loko o ka hoʻopiʻi ka waiwai a me ka waiwai waiwai.

1. Nā haʻawina āu i hoʻohui pū me kāu wahine a iʻole nā ​​mea'ē aʻe, e like me ke keiki a keiki paha, ma o nā kuleana o ka mea ola ( ka poʻe loea me nā kuleana o ka mea ola , a me ka JTWROS) e pale i ka hoʻopiʻi ma hope o kou makeʻana.
2. ʻO nā waiwai i loaʻa iāʻoe me kāu wahine ma kekahiʻano kūikawā likeʻole iʻikeʻia ma kekahi mau moku i kapaʻia nā mea noho ma ka mea holoʻokoʻa (a iʻole TBE) e pale i ka pāʻani ma hope o kou makeʻana.
3. ʻO nā waiwai i loaʻa iāʻoe i kou ola i ka manawa i make aiʻoe e pale i ka pōʻino ma hope o kou makeʻana. ʻO nā waiwaiʻaʻole i mālamaʻia e kāu hilinaʻi i ka manawa o kou makeʻana akā e noho mau i kou inoa pono'ī me kaʻole o kekahiʻano o ka hoʻolālā maikaʻiʻole e hōʻalo i ka hoʻopiʻi ma hope o kou makeʻana.
4. Nā waiwai e mālama aiʻoe i ke ola , aʻo ke koena i hala aku i kahi mea waiwaiʻole ma waho oʻoe iho, e like me ka waiwai i loaʻa i kekahi mau māhele e kaʻoihana ola ola , e hōʻalo i ka hoʻopiʻi ma hope o kou makeʻana.
5. ʻO nā waiwai i loaʻa iāʻoe ma nāʻaelike e pili ana i nā mea i loaʻa i ka mea i kohoʻia ma hope o kou make,ʻo ia hoʻi nā kulekele pili ola , IRA, 401 (k) s a me nā makahiki makahiki, e hōʻole i ka hoʻopiʻi ma hope o kou makeʻana. Eia naʻe, ināʻo nā mea i kohoʻia a pau o kekahi o kēia mauʻano waiwai i mua o ka mea nāna i mālama i ka pūnaewele, a laila, pono ka waiwai e hele ma waena o ka pōʻai.