Lahla yonke iMpahla Yakho
Indlela ephezulu kakhulu yokukhusela ingxaki yelifa lakho kukukrazula yonke impahla yakho ngenxa yokuba ngaphandle kwipropati awuyi kuba nefa eliya kulufuna ukuba lingenwa.
Ngokuqinisekileyo, oku akunakwenzeka kuba uya kufuna imali ukuze uphile kuze kube yilapho usweleka, kodwa kwiimeko ezithile uzinikezela ezininzi ipahla zakho ngaphandle kokusebenzisa uhlobo oluthile lokuthembela onokuba ngumntu onokufumana uncedo . Ukusebenzisa lolu hlobo lokuthembela oludibaniswe nenye okanye ngaphezulu kwamanye amacandelo achazwe apha ngezantsi ukuba nayiphi na impahla engadluliselwa kwi-trust ithetha ukuba akukho zixhobo ze-probate kwaye, ngoko ke, akukho mhlaba wezolawulo.
Sebenzisa Ubunini boManyeneyo kunye namalungelo okuPhucula okanye ukuQinisekisa ngeNkxaso
Ukongeza umnini odibeneyo kwi-akhawunti yebhanki okanye kwi-akhawunti yezobalo-mali okanye kwenzelwe i-real estate iya kuphephekisa ukuxilongwa, ngaphandle kokuba kucacile ukuba i-akhawunti inabanikazi abadibeneyo ngamalungelo okusinda kwaye kungekhona njengabaqeshi abafanayo . Ukuba utshatile, ngoko kuthiwa kunye neqabane lakho lingenalo propati ngamalungelo okusinda ngohlobo loqeshiso ngokubanzi .
Noko ke, kukho izimbandezelo ezininzi zokuthembela kubunikazi bombutho kunye namalungelo okusinda okanye ukuhlala ngokubanzi ukukhusela ingxaki:
- Kwiimeko ezininzi ukongeza umnini odibeneyo kwi-akhawunti okanye ngezenzo kuya kuba yisipho esikhokhelwayo esifanele sichazwe kwi-IRS kwimbuyekezo yentlawulo yesipho (Federal IRS Form 709 ).
- Ukuba umnikazi odibeneyo ulandelwa okanye ahlukaniswe, umniki-mboleko okanye umtshato umtshato unokukwazi ukuthatha ezinye okanye zonke iimpahla kwi-akhawunti edibeneyo.
- Ukuba umnikazi odibeneyo uyafa ngaphambi kokuba uyenze, ke i-50% okanye i-100% ye-akhawunti edibeneyo ingabandakanywa kwisakhiwo somnini waswelekileyo ngenjongo yentlawulo yerhafu .
- Ukuba unomtshato wesibini okanye kamva, ushiye ipropati yakho kumlingane wakho ngokunyanzela okanye ukuhlala ngokupheleleyo kuya kuthetha ukuba iqabane lakho liya kukhululeka ukwenza nantoni na ayifunayo kunye nepropati yakho emva kokuba iqabane lakho lifa. Oku kungabi yinto oyifunayo - ngamanye amagama, unokufuna ukuba iqabane lakho lisebenzise ipropathi yakho emva kokuba ufe, kodwa emva kokuba umlingane wakho efile emva koko unokufuna ukuba ipropati yakho iya kubantwana bakho. Kule meko, ubunikazi obumanyeneyo kunye nelungelo lokusinda okanye ukuhlala ngokupheleleyo akuyi kufezekisa izifiso zakho zokugqibela ekubeni iqabane lakho likhetha ngokukhululekile ukushiya ipropati yakho kubantwana bomlingane bakho endaweni yabantwana bakho okanye nakwiqabane elitsha.
Sebenzisa iiNkcazo eziNcedo
Ukuba unomshuwalense wobomi okanye i-asethi egcinwe kwi-akhawunti yomhlala-phantsi njengesi-IRA, 401 (k) okanye i-annuity, ngoko sele ususebenzisa ithuba lokuphepha ukusetyenziswa ngokubaluleka kwezicelo.
Yintoni ongayifumaniyo kukuba ezininzi zivumela ukuba ukhethe abaxhamli kwiakhawunti yakho yasebhanki (oku kuthethwa ngokuthi "ihlawulwe ngokufa" okanye "i-akhawunti ye-POD" ), kunye ne-akhawunti yakho yokungabikho komhlala-phantsi. njenge " ukudluliselwa ekufeni " okanye "TOD" akhawunti) . Ukongezelela, iindawo ezimbalwa zelizwe zivumela ukuba ukhethe abaxhamli kwi-real estate yakho ngokusebenzisa ukutshintshwa kwintlawulo yokufa okanye inzuzo okanye ifayili. Kwamanye amazwe, ungasebenzisa umsebenzi wezobomi ukuze ugcine ubunikazi bezindlu zangasese ngexesha lokuphila kwakho uze udlulise ipropati kubaxhamli ozikhethile emva kokuba ufe ngaphandle kokufuna ukuhlola ingcebo.
Sebenzisa iTrust Living Revocable Trust
Isivumelwano sokubhaliweyo esiphephekayo sisivumelwano esibhaliweyo esibandakanya izigaba ezintathu zobomi bakho:
- Ngoxa usaphila kwaye ulungile;
- Ukuba unengqondo engakwaziyo; kwaye
- Emva kokufa.
Kodwa ukusayinwa isivumelwano sokukholelwa kwezinto zokuhlala ngokuthethelela ngokwakho akukwanele ukuphepha ingxaki yepropati yakho emva kokufa. Endaweni yoko, xa isivumelwano sithemba sisayinwe, kuya kufuneka ukuba uthathe ifa lakho kwaye uyibhale phantsi kwigama lokuthembela kwakho. Kuphela emva kokuba umphathiswa wakho wokuhlala ethembekileyo uye waba ngumnini werekhodi yeempahla zakho ziya kuba neefayili ezithembekileyo (esikhundleni sakho) ziphephe uvavanyo.
Oku kubizwa ngokuba yi-finance trust, kwaye xa ucinga ngethemba lakho njengebhakethi, kufuneka ugcwalise ibhakethi kunye ne-asethi yakho ukwenzela ukuba uqinisekise ukuba i-asethi iya kuphepha ukuvavanya emva kokufa. Ukuba nayiphina ifa lakho lihlala ngaphandle kwithenda ngexesha lakho lokufa, ke iimpahla ezingenakubalwa ziza kudingeke ukuba zicatshungulwe ngaphandle kokuba zinegama elixhamliweyo okanye zinegunya lokusinda kunye nomntu osindayo.
Inqaku eliphambili ekukhuseleni iNgqungquthela
Njengoko ubona, kukho kuphela inani elincinci leendlela zokuphepha ukuvavanya. Yintoni ekuya kusebenza kuyo iya kuxhomekeka kwiimeko zakho zeentsapho kunye neemeko zemali, kodwa umgca wukuthi ngokusebenzisa enye okanye ngaphezulu kwezicatshulwa ezichazwe ngasentla ukuze ugweme uvavanyo lwepropati yakho, uya kudala uxolo lwengqondo kuwe kunye noxolo lwengqondo kubathandekayo bakho ngexesha elinzima.