Yintoni Amandla weGqwetha
Inkcazelo elula kukuba amandla egqwetha ngumqulu onika umntu-obizwa ngokuba yi-agent okanye ummeli-inyaniso-enye okanye ngaphezulu igunya lokuthatha egameni lomnye umntu.
Umntu onika eli gunya phantsi kwe-POA ubizwa ngokuba yinqununu.
Amandla egqwetha angavumela i-arhente ukuba isebenze kwiimeko ezithile malunga nokunakekelwa kwezempilo kwinqununu, okanye banokumgunyaza ukuba enze imali kwiinqununu. Bangakwazi "ukuhlala bakhawuleza" - baqalisa ukusebenza ngokukhawuleza kwaye baqhubeke besebenza ukuba inqununu ingenakulungiswa. Okanye mhlawumbi "bayasuka." Awuyi kusebenza ngaphandle kokuba inqununu ingenakulungiswa.
Amandla eGqwetha kunye neMigqaliselo Yakho yomhlalaphantsi
Abantu abaninzi baye baqokelela ubuninzi bebutyebi kwi- 401 (k) , i- IRAs kunye neentlawulo. Kodwa inyaniso kukuba ukuba unengqondo engakwazi ukuguqula kwaye ulahlekelwe yimpumelelo yokuphatha imali yakho, abathandekayo bakho abayi kukwazi ukufikelela ezi zinto ngaphandle kokuba omnye okanye ngaphezulu kwabo banegunya lommeli.
Ukwenza izinto zibe zibi nakakhulu, nangona unayo i-POA yezemali endaweni, kunokwenzeka ukuba akunakho ukuqulethela ulwimi olulungileyo ukuvumela ummeli-inyaniso ukuba aphathe ama-401 (k), ii-IRA kunye neempesheni xa ungaphezulu kwiminyaka embalwa ubudala.
Ii-POA kunye ne-Your Revocable Living Trust
Ukuba udale kwaye uxhaswa ngemali yokukhohlisa, ungakholelwa ngokugqithiseleyo ukuba yonke impahla yakho ifakwe xa ufanelekile ukuba ungakhubazeki ngokwengqondo. Enye yeenzuzo zekholo lokuphila elikhuselekile kukuba umntu obizwa ngokuba ngu-trustee oyilandelayo unokukuthatha njengomphathiswa kwaye uqhubeke nokulawula imicimbi yakho yezemali xa ungenakukhubazeka.
Ngelishwa, oku akusebenzi kwizicwangciso zokuthatha umhlala-phantsi njenge-IRAs, 401 (k) kunye nezibonelelo. Ezi zicwangciso azikwazi ukuxhaswa ngemali kwi- trust ye-living reversable ngaphandle kokukhawuleza phantsi kohlawula irhafu. Uzakufuna amandla ommeli endaweni ebandakanya ulwimi olufanelekileyo ukuvumela ummeli-inyaniso ukuba alawule la ma-akhawunti ukuba ixesha lifika xa ungeke wenze oko ngokwakho. Umphathiswa wakho othasayo akayi kukwazi ukufikelela kuwo.
Oko Ufanele Uyenze
Ukudibanisa nommeli wezocwangciso zezindlu ukufumana i-POA endaweni eya kuvumela ukuba ugqwetha lakho-inyaniso lilawulwe iakhawunti yakho yomhlala-phantsi xa unengqondo yokukhubazeka. Yenze icace kummeli ofuna ukuba i-arhente yakho ikwazi ukulawula i-IRAs, 401 (k) kunye ne-annuities ukwenzela ukuba igqwetha liqiniseke ukuba libandakanya ulwimi oluchanekileyo oluya kuvumela i-arhente yakho ukuba yenze njalo.
Ukuba usenalo igunya lommeli kodwa uneminyaka embalwa ubudala, cela ummeli wakho ukuba awuhlolisise kwaye aqinisekise ukuba uya kusebenza ukulawula i-akhawunti yakho yomhlalaphantsi. Ngaphandle koko, izandla zakho ze-arhente zingabanjwa ngexesha elilukhuni.
Kwakhona ingcinga efanelekileyo ukujonga kunye nenkampani esebenza njengomlondolozi kwiakhawunti yakho yokuthatha umhlalaphantsi ukuqinisekisa ukuba inamandla ayo egosa lommeli.
Ukuba kunjalo, gcwalisa le fomu kwaye ugcine kunye negunya lakho jikelele lommeli.
QAPHELA: Imimiselo yelizwe kunye neendawo zitshintsha rhoqo kwaye ingcaciso engentla ingabonakali utshintsho lwangoku. Nceda uqhagamshelane nommeli weengcebiso eziphezulu kakhulu. Ingcaciso equlethwe kule nqaku ayikho isiluleko sezomthetho kwaye ayifaki indawo yeengcebiso zomthetho.