{"id":4996,"date":"2026-06-18T07:29:01","date_gmt":"2026-06-18T07:29:01","guid":{"rendered":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/gifts-by-will-or-trust\/"},"modified":"2026-07-24T09:09:46","modified_gmt":"2026-07-24T09:09:46","slug":"zawadi-kwa-wosia-au-kuaminika","status":"publish","type":"page","link":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/","title":{"rendered":"Zawadi kwa Wosia au Kuaminika"},"content":{"rendered":"<style>@media(max-width:1024px){.cbmi-d0dd36c0{min-height:55vh !important;}.cbmi-d0dd36c0.is-fit-object .wp-block-cover__image-background{object-fit:contain;object-position: 50% 100% !important;}}@media(max-width:767px){.cbmi-d0dd36c0{min-height:55vh !important;}.cbmi-d0dd36c0.is-fit-object .wp-block-cover__image-background{object-fit:contain;object-position: 50% 100% !important;}}<\/style>\n<div class=\"wp-block-cover has-base-color has-text-color has-link-color wp-elements-1 cbmi-d0dd36c0\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;min-height:70vh;aspect-ratio:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-6621 size-full\" alt=\"\" src=\"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg\" data-object-fit=\"cover\"\/ data-desktop=\"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-contrast-background-color has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-b12131f3 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-6820f5d6 wp-block-group-is-layout-constrained\" style=\"margin-top:0px;margin-bottom:0px;padding-top:8.44rem;padding-right:0rem;padding-bottom:2.5rem;padding-left:0rem\">\n<h1 class=\"wp-block-heading has-text-align-center animated fadeInUp slow has-whitney-font-family is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left\" style=\"margin-bottom:1rem;text-transform:capitalize\">Kutoa kwa Mpango<\/h1>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull max-781:!mt-5 max-781:!mb-5 is-layout-constrained wp-container-core-group-is-layout-8ec45f02 wp-block-group-is-layout-constrained\" style=\"margin-top:0rem;margin-bottom:0rem;padding-top:3.75rem;padding-right:1.25rem;padding-bottom:3.75rem;padding-left:1.25rem\">\n<div class=\"wp-block-columns are-vertically-aligned-top columns-layout is-layout-flex wp-container-core-columns-is-layout-6f9e0450 wp-block-columns-is-layout-flex\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<div class=\"wp-block-column is-vertically-aligned-top text-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-tertiary-color has-text-color has-link-color has-whitney-font-family has-x-large-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-2\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">Zawadi kwa Wosia au Uaminifu<\/h2>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">Zawadi la hisani kutoka kwa mali zako ni njia inayopendwa ya kutoa ambayo inakuwezesha kufikia malengo yako ya kifedha na kufaidika na Huduma za Familia za Holy Cross. Hakuna zawadi nyingine iliyopangwa inayoweza kuwa rahisi kuifanya au kubadilika ikiwa unahitaji mali hizo wakati wa maisha yako.<\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><strong>Kutoa&nbsp;<em>kwa wosia<\/em>&nbsp;kunafaa kwako ikiwa:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list animated fadeInUp delay-200ms slow\">\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Unataka kutoa zawadi kwa Huduma za Familia za Holy Cross.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Unataka uwe na uwezo wa kubadilisha mawazo yako.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Unataka kuendelea kuwa na ufaccessi wa mali zako, ikiwa unahitaji.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Una wasiwasi kuhusu kuishi zaidi ya rasilimali zako.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-primary-to-secondary-gradient-background has-background is-layout-constrained wp-container-core-group-is-layout-81ed83c8 wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:1.25rem;border-top-right-radius:1.25rem;border-bottom-left-radius:1.25rem;border-bottom-right-radius:1.25rem;margin-top:0px;margin-bottom:1.25rem;padding-top:1.25rem;padding-right:1.25rem;padding-bottom:1.25rem;padding-left:1.25rem\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-base-color has-text-color has-link-color has-whitney-font-family has-x-medium-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-3\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">Tuongee<\/h2>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-4 wp-block-paragraph\"><a href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kuwasiliana-nasi\/\" data-type=\"link\" data-id=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kuwasiliana-nasi\/\">Ofisi ya Kudhamini \u00bb<\/a><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-5 wp-block-paragraph\"><a href=\"tel:508-238-4095\" type=\"tel\" id=\"tel:508-238-4095\">Piga simu 508-238-4095<\/a><\/p>\n<\/div>\n\n\n<div class=\"wp-block-hcfm-faq-block\">\n    <div class=\"accordion default\">\n                        <div class=\"accordion-item\">\n                    <h3 class=\"accordion-title\">onyesha zaidi<\/h3>\n                    <div class=\"accordion-content\">\n                        \n<p class=\"has-x-medium-font-size wp-block-paragraph\">Kuitaja Holy Cross Family Ministries katika wosia wako ni njia nzuri ya kutoa zawadi yenye athari ya kudumu. Iwe ni kubwa au ndogo, urithi wako utatoa mchango muhimu katika kuimarisha uwezo wetu wa muda mrefu na kutuwezesha kuendelea na shughuli zetu.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Lakini je, ikiwa huna wosia au trust ya kuishi (living trust)? Huko peke yako. Wamarekani wengi hawana wosia.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Bila kuwa na wosia, sheria za jimbo lako zitaamua jinsi mali yako itakavyogawanywa. Kwa kawaida, mahakama ya mirathi itagawa mali yako kati ya wanafamilia wako wa karibu walio hai kulingana na utaratibu wa kisheria, na hakuna sehemu ya mali yako itakayoweza kwenda kwa Holy Cross Family Ministries au shirika lingine la hisani. Ikiwa ungependa kuwa na sauti kuhusu jinsi mali yako itakavyogawanywa, ni muhimu uwe na wosia au trust ya kuishi. Tunakuhimiza ushirikiane na mwanasheria mwenye uzoefu ili kuandaa wosia au trust ya kuishi inayotimiza malengo yako ya upangaji wa mali.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>Njia za kufafanua zawadi ya hisani katika mpango wako wa mali<\/strong><br>Kuna njia mbalimbali unazoweza kutumia kufafanua kiwango cha zawadi yako ya hisani kwa Holy Cross Family Ministries. Hizi ni pamoja na:<\/p>\n\n\n\n<ul class=\"wp-block-list has-x-medium-font-size\">\n<li>Zawadi ya kiasi maalum cha fedha. Kwa mfano, unatoa dola 25,000.<\/li>\n\n\n\n<li>Zawadi ya mali au vitu maalum. Kwa mfano, unatoa hisa 1,000 za ABC Corporation.<\/li>\n\n\n\n<li>Zawadi itakayotolewa tu ikiwa sharti moja au zaidi litatimizwa. Kwa mfano, unatoa dola 25,000 ikiwa bado tunatoa programu au huduma fulani na mwenzi wako hatakuwa hai wakati huo.<\/li>\n\n\n\n<li>Zawadi itakayotolewa kutoka sehemu iliyobaki ya mali yako baada ya mirathi mingine yote, madeni na kodi kulipwa. Kwa mfano, unatoa asilimia 25 ya mali iliyobaki. Mara nyingi hii huitwa <em>&#8220;residuary bequest&#8221;<\/em>. Njia hii huhakikisha kwamba familia yako inatunzwa kwanza kabla mali yako haijatoa urithi kwetu.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>Njia za kubainisha jinsi tunavyoweza kutumia urithi wako<\/strong><br>Una chaguo kadhaa za kueleza jinsi Holy Cross Family Ministries inaweza kutumia urithi wako baada ya kuupokea. Chaguo hizo ni:<\/p>\n\n\n\n<ul class=\"wp-block-list has-x-medium-font-size\">\n<li><strong>Urithi usio na masharti (Unrestricted bequest)<\/strong> \u2013 Huu ni zawadi kwa matumizi yetu ya jumla. Hii mara nyingi ndiyo aina yenye manufaa zaidi kwa sababu huturuhusu kutumia zawadi yako pale inapohitajika zaidi wakati tunapoipokea.<\/li>\n\n\n\n<li><strong>Urithi wenye masharti (Restricted bequest)<\/strong> \u2013 Huu ni zawadi kwa matumizi maalum, kama mradi au programu ambayo ni muhimu kwako. Tunakushauri kushauriana nasi kabla ya kuweka masharti kwenye urithi wako ili kuhakikisha tunaweza kutekeleza matakwa yako.<\/li>\n\n\n\n<li><strong>Urithi wa mfuko wa kudumu (Endowed bequest)<\/strong> \u2013 Huu ni zawadi ambapo shirika letu linawekeza mchango wako pamoja na mfuko wetu wa kudumu (endowment). Fedha hizo husambazwa kulingana na sera yetu ya matumizi ya mfuko wa kudumu. Njia hii huhakikisha kuwa zawadi yako itaendelea kutunufaisha hata baada ya wewe kutokuwepo. Urithi huu unaweza kuwa na masharti au usiwe na masharti.<\/li>\n\n\n\n<li><strong>Urithi wa heshima (Honorary bequest)<\/strong> \u2013 Huu ni zawadi inayotolewa kwa heshima ya mtu mwingine. Aina yoyote ya urithi inaweza pia kutolewa kama urithi wa heshima. Tutafurahi kuwatambua watu unaotaka kuwaheshimu kupitia zawadi yako.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>Hakikisha tunaweza kutekeleza matakwa yako<\/strong><br>Ni muhimu sana kwamba urithi wako uelezwe kwa usahihi na kwa uwazi katika mpango wako wa mali ili tuweze kutekeleza matakwa yako kama ulivyokusudia. Tutafurahi kushauriana nawe kuhusu masharti ya urithi wako ili kuhakikisha kuwa tunaweza kutimiza nia yako. Ili kuondoa shaka yoyote kwamba urithi wako unakusudiwa shirika letu, hakikisha umejumuisha jina letu kamili la kisheria pamoja na nambari yetu ya utambulisho wa kodi ya serikali katika wosia wako.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Jina la kisheria: Crusade for Family Prayer, Inc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anwani ya sasa: 518 Washington Street, North Easton, MA 02356<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Nambari ya utambulisho wa kodi: 22-2485537<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Tutafurahi kukupa <a href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/rasilimali\/kiswahili-cha-wosia\/\" data-type=\"link\" data-id=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/rasilimali\/kiswahili-cha-wosia\/\">mfano wa lugha ya wosia<\/a> ili kukusaidia wewe na mwanasheria wako.<br>Una uhuru kamili wa kubadilisha urithi wako wakati wowote. Ikiwa hali zako zitabadilika na ukataka kurekebisha zawadi yako kwetu, unaweza kufanya hivyo.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>Faida za kodi<\/strong><br>Kwa sababu urithi wako unaweza kubadilishwa au kufutwa (revocable), hutapata punguzo la kodi ya mapato kwa mchango wa hisani wakati unapouanzisha. Badala yake, mali yako itapata punguzo la kodi ya mirathi kwa thamani kamili ya urithi wako katika mwaka ambao utatekelezwa. Kutegemea mambo mbalimbali, ikiwa ni pamoja na ukubwa wa mali yako na sheria za kodi ya mirathi zitakazokuwepo wakati mali yako itakapogawanywa, punguzo hili linaweza au lisisaidie kupunguza kodi ya mirathi.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>Njia mbadala za kutoa urithi<\/strong><br>Mbali na kuongeza kifungu cha urithi katika wosia wako, zifuatazo ni njia nyingine rahisi za kutoa urithi kwa Holy Cross Family Ministries:<\/p>\n\n\n\n<ul class=\"wp-block-list has-x-medium-font-size\">\n<li>Itaje Holy Cross Family Ministries kama mnufaika aliyeteuliwa wa bima yako ya maisha.<\/li>\n\n\n\n<li>Itaje Holy Cross Family Ministries kama mnufaika aliyeteuliwa wa IRA au mpango mwingine wa akiba ya kustaafu.<\/li>\n\n\n\n<li>Itaje Holy Cross Family Ministries kama mnufaika aliyeteuliwa wa hati za akiba (savings bonds).<\/li>\n\n\n\n<li>Elekeza benki yako kulipa (&#8220;pay on death&#8221;) sehemu au fedha zote za akaunti maalum ya benki kwa Holy Cross Family Ministries baada ya kifo chako.<\/li>\n\n\n\n<li>Elekeza kampuni yako ya udalali wa uwekezaji (&#8220;brokerage firm&#8221;) kuhamisha (&#8220;transfer on death&#8221;) sehemu au fedha zote za akaunti maalum ya uwekezaji au akaunti nyingine ya kifedha kwa Holy Cross Family Ministries baada ya kifo chako.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">Tafadhali tujulishe ikiwa umeijumuisha Holy Cross Family Ministries katika mipango yako ya mali. Tutafurahi kupata fursa ya kukushukuru kwa zawadi yako yenye mawazo makini na kuthibitisha kwamba tunaweza kutekeleza matakwa yako.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-left animated fadeInUp slow is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left\">Mfano<\/h4>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Agnes Platt, mjane, amekuwa mfuasi wa Holy Cross Family Ministries kwa miaka mingi. Kwa sasa Agnes ana afya njema, lakini hataki kuwa mzigo wa kifedha kwa watoto wake ikiwa atahitaji huduma ya afya ya gharama kubwa siku zijazo.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Holy Cross Family Ministries ni mojawapo ya mashirika mawili ya hisani ambayo ameyajitolea zaidi. Angependa kutoa zawadi ya kudumu kwa kila moja yao kwa kumbukumbu ya mume wake. Baada ya kujadili chaguo zake na mshauri wake wa upangaji wa mali, anaamua kuanzisha urithi wa sehemu iliyobaki ya mali yake (<em>residuary bequest<\/em>) katika wosia wake kwa kila moja ya mashirika yake mawili anayoyapenda zaidi. Kila shirika litapokea asilimia 50 ya mali itakayobaki baada ya majukumu yote mengine, kama vile kodi na urithi kwa watoto na wajukuu wake, kutekelezwa.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>Faida<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list has-x-medium-font-size\">\n<li>Mali za Agnes zitaendelea kupatikana kwa matumizi yake ikiwa atazihitaji.<\/li>\n\n\n\n<li>Kwa kuwa zawadi yake inaweza kubadilishwa au kufutwa wakati wowote (revocable), uwezekano wa kuhitaji msaada wa kifedha kutoka kwa watoto wake utapungua.<\/li>\n\n\n\n<li>Ikiwa mali yake itakuwa na thamani anayotarajia wakati itakapogawanywa, ataweza kutoa zawadi kubwa za urithi kwa mashirika mawili ya hisani ambayo yamekuwa na umuhimu mkubwa kwake na kwa marehemu mume wake.<\/li>\n<\/ul>\n                    <\/div>\n                <\/div>\n                    <\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top columns-layout__left-col has-primary-to-secondary-gradient-background has-background is-layout-flow wp-container-core-column-is-layout-b9178209 wp-block-column-is-layout-flow\" style=\"border-radius:1.25rem;padding-top:1.5rem;padding-right:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;flex-basis:30%\">\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/\">Maendeleo<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kwa-nini-toahttps:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kwa-nini-toa\/\">Kwanini Kutoa?<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/panga-urithi-wako\/\">Panga Urithi Wako<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/\">Mikakati ya Kutoa<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/\">Zawadi kwa Wosia au Kitrust<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/kuitaja-sisi-katika-mali-zako\/\">Kutuita katika Mali Zako<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-ya-ira-qcd\/\">Zawadi ya IRA (QCD)<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/ninachoweza-kutoa\/\">Unachoweza Kutoa<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/rasilimali\/\">Rasilimali<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kuwasiliana-nasi\/\">Wasiliana Nasi<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Zawadi kwa Wosia au Uaminifu Zawadi la hisani kutoka kwa mali zako ni njia inayopendwa ya kutoa ambayo inakuwezesha kufikia malengo yako ya kifedha na kufaidika na Huduma za Familia za Holy Cross. Hakuna zawadi nyingine iliyopangwa inayoweza kuwa rahisi kuifanya au kubadilika ikiwa unahitaji mali hizo wakati wa maisha yako. Kutoa&nbsp;kwa wosia&nbsp;kunafaa kwako ikiwa: [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":4994,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"editor_notices":[],"footnotes":""},"class_list":["post-4996","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zawadi kwa Wosia au Kuaminika - HCFM-Swahili<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zawadi kwa Wosia au Kuaminika - HCFM-Swahili\" \/>\n<meta property=\"og:description\" content=\"Zawadi kwa Wosia au Uaminifu Zawadi la hisani kutoka kwa mali zako ni njia inayopendwa ya kutoa ambayo inakuwezesha kufikia malengo yako ya kifedha na kufaidika na Huduma za Familia za Holy Cross. Hakuna zawadi nyingine iliyopangwa inayoweza kuwa rahisi kuifanya au kubadilika ikiwa unahitaji mali hizo wakati wa maisha yako. Kutoa&nbsp;kwa wosia&nbsp;kunafaa kwako ikiwa: [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/\" \/>\n<meta property=\"og:site_name\" content=\"HCFM-Swahili\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-24T09:09:46+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"dakika 7\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/\",\"url\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/\",\"name\":\"Zawadi kwa Wosia au Kuaminika - HCFM-Swahili\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hcfm.org\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Planned-Giving.jpg\",\"datePublished\":\"2026-06-18T07:29:01+00:00\",\"dateModified\":\"2026-07-24T09:09:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/#breadcrumb\"},\"inLanguage\":\"sw\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"sw\",\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/#primaryimage\",\"url\":\"https:\\\/\\\/hcfm.org\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Planned-Giving.jpg\",\"contentUrl\":\"https:\\\/\\\/hcfm.org\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Planned-Giving.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/zawadi-kwa-wosia-au-kuaminika\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"uchumi wa mipango\",\"item\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Kutoa Mchaguzi\",\"item\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/uchumi-wa-mipango\\\/kutoa-mchaguzi\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Zawadi kwa Wosia au Kuaminika\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/#website\",\"url\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/\",\"name\":\"HCFM-Swahili\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/hcfm.org\\\/sw\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"sw\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Zawadi kwa Wosia au Kuaminika - HCFM-Swahili","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/","og_locale":"en_US","og_type":"article","og_title":"Zawadi kwa Wosia au Kuaminika - HCFM-Swahili","og_description":"Zawadi kwa Wosia au Uaminifu Zawadi la hisani kutoka kwa mali zako ni njia inayopendwa ya kutoa ambayo inakuwezesha kufikia malengo yako ya kifedha na kufaidika na Huduma za Familia za Holy Cross. Hakuna zawadi nyingine iliyopangwa inayoweza kuwa rahisi kuifanya au kubadilika ikiwa unahitaji mali hizo wakati wa maisha yako. Kutoa&nbsp;kwa wosia&nbsp;kunafaa kwako ikiwa: [&hellip;]","og_url":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/","og_site_name":"HCFM-Swahili","article_modified_time":"2026-07-24T09:09:46+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"dakika 7"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/","url":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/","name":"Zawadi kwa Wosia au Kuaminika - HCFM-Swahili","isPartOf":{"@id":"https:\/\/hcfm.org\/sw\/#website"},"primaryImageOfPage":{"@id":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/#primaryimage"},"image":{"@id":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/#primaryimage"},"thumbnailUrl":"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg","datePublished":"2026-06-18T07:29:01+00:00","dateModified":"2026-07-24T09:09:46+00:00","breadcrumb":{"@id":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/#breadcrumb"},"inLanguage":"sw","potentialAction":[{"@type":"ReadAction","target":["https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/"]}]},{"@type":"ImageObject","inLanguage":"sw","@id":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/#primaryimage","url":"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg","contentUrl":"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/zawadi-kwa-wosia-au-kuaminika\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/hcfm.org\/sw\/"},{"@type":"ListItem","position":2,"name":"uchumi wa mipango","item":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/"},{"@type":"ListItem","position":3,"name":"Kutoa Mchaguzi","item":"https:\/\/hcfm.org\/sw\/uchumi-wa-mipango\/kutoa-mchaguzi\/"},{"@type":"ListItem","position":4,"name":"Zawadi kwa Wosia au Kuaminika"}]},{"@type":"WebSite","@id":"https:\/\/hcfm.org\/sw\/#website","url":"https:\/\/hcfm.org\/sw\/","name":"HCFM-Swahili","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/hcfm.org\/sw\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"sw"}]}},"_links":{"self":[{"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/pages\/4996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/comments?post=4996"}],"version-history":[{"count":5,"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/pages\/4996\/revisions"}],"predecessor-version":[{"id":5088,"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/pages\/4996\/revisions\/5088"}],"up":[{"embeddable":true,"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/pages\/4994"}],"wp:attachment":[{"href":"https:\/\/hcfm.org\/sw\/wp-json\/wp\/v2\/media?parent=4996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}