Imithetho Yombuso Ulawula Xa kufuneka iNkqubo
Umbuzo oqhelekileyo ukuba ummeli wocwangciso lwezobucalulo ubuzwa ukuba "Kufuneka nini na?" Njengemibuzo eminingi yokucwangcisa umhlaba, impendulo ixhomekeke kwimithetho ethile yombuso apho uhlala khona ngexesha lokufa kwakho, kunye nemithetho nayiphi na enye indawo apho uhlala khona. Nalu uluhlu lwezizathu zokuba i-estate iyakufuneka ibe neengxaki.
QAPHELA: Imithetho yerhafu iguquka rhoqo, kwaye kufuneka uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.
Ii-asethi ze-01 eziphantsi kwegama elilodwa lenu
Ukuba umntu ohloniphekileyo unayo nayipropati egameni lakhe elilodwa, ngaphandle kobanye abanikazi abanxulumene okanye abahlawulelwa ekutyunjweni kokufa , ngoko kwiimeko ezininzi ipropati iya kufuneka ihlolwe ukuba iphume ngaphandle kwegama elimiselweyo kunye namagama abaxhamliweyo. Ukungafani kwamanye amazwe kuyisithuthi.
Ngokomzekelo, eFlorida naseTennessee, isithuthi sinokudluliselwa kwiindlalifa ezizithobileyo zomthetho ngaphandle kokuvula i-probate property. Ngaphandle kweli, ezinye iindawo zineenkqubo ezihlanjululweyo "ezincinci" ezithatha ixesha elingaphantsi kwelolawulo olupheleleyo lweengxaki. EFlorida, indawo encinci ithathwa njengexabiso kwi $ 75,000 okanye ngaphantsi.
02 Iimpahla ezinikezelwe njengeMqeshi oqhelekileyo
Ukuba umntu ohloniphekileyo unayo nayipropati egameni lakhe ngabanye njengomqeshi ngokufanayo nabanye, ngoko kwiimeko ezininzi umqeshi oqeshwe kwisabelo esifanayo uya kudingeka ukuba akhuphe ngaphandle kwegama lomntu ogunyazisiweyo kunye namagama omntu ogunyazisiweyo. baxhamli.
Inkqubo "encinci" ekhankanywe ngasentla ifumaneka kumqeshi onomdla ngokufanayo njengoko nje isabelo seqhekeza sexabiso elixhomekeke kuncinci kunexabiso elincinci lelizwe elisebenzayo.
Qaphela ukuba ukuba umnini-mhlaba unomdla oqhelekileyo waba negama le- Resedable Living Trust ngaphambi kokufa kwesigwebo, ngoko umdla awuyi kufunekiswa.
03 Abaxhamli bexesha elide okanye abaNikwe abaNcedo
Ukuba umntu ohlawulwayo ohlawulwa ngokufa okanye uhlobo olufanayo lwe-akhawunti; I-akhawunti yokuLondoloza iMpilo okanye i-Akhawunti yokuThengiswa kweMpilo; nkqubo yomshuwalense wobomi; i- akhawunti yomhlala phantsi , kuquka i-IRA okanye i-401 (k); okanye i-annuity, kunye nabo bonke abaxhamliweyo abaxhamliweyo be-akhawunti okanye umgaqo-nkqubo baye bahamba phambili ngaphambili, okanye ukuba i-decedent ayibhalanga naliphi na abaxhamliweyo kuwo onke, ngoko ke kwiimeko ezininzi i-akhawunti okanye umgaqo-nkqubo kuya kufuneka ukuba ihlolwe kuba ngamagama abo abaxhamliweyo.
Inkqubo "encinci" ekhankanywe ngasentla ifakelwe kwi-akhawunti okanye umgaqo-nkqubo ngaphandle komxhamli ovumelekileyo njengoko nje i-akhawunti okanye umgaqo-nkqubo uxabiswa ngaphantsi kwexabiso elincinci lomhlaba elisebenzayo.
04 I-decedent ayinayo i-Final Will and Testament
Ukuba i-decedent ayinayo Impendulo yokugqibela kunye neTestamente ngexesha lokufa kwakhe kwaye enye okanye ngaphezulu kweemeko ezichazwe ngasentla zisebenza kwiimpahla ezikhohliweyo, ngoko kwiimeko ezininzi i-asethi iya kufuneka ixilongwe ukuze zikhuphe ngaphandle kwegama elidumiweyo kunye namagama eendlalifa ezisezantsi zomthetho .
Inkqubo "encinci" ekhankanywe ngasentla ifakelwe kwi-intestate estate ngelixa ixabiso lepropati yeproedate lingaphantsi kwexabiso elincinci lelizwe elichanekileyo.
05 I-decedent inomxholo wokugqibela wokuthanda kunye neTestamente
Nangona i-decedent inomdla wokugqibela kunye neTestamente ngexesha lokufa kwayo, ukuba enye okanye ngaphezulu kweemeko ezichazwe ngasentla zisebenza kwiimpahla ze-decedent, ngoko ke kwiimeko ezininzi i-asethi iya kufuneka ihlolwe ukuze ifumane bephuma kwigama elimhlophe kunye namagama abo baxhamliweyo abaxhamliweyo ababizwa ngokuba yiNtshukumo yokugqibela. Inkqubo "encinci" ekhankanywe ngasentla ifakelwa kwi-testate estate ngelixa ixabiso lepropati liphantsi kwexabiso elithile elisebenzayo elincinci lelizwe.