Indlela yokugqiba ukuba iNtsapho Yakho ingathatha ukubeka iTrust yakho ekhuselekisayo
Abantu abaninzi bakholelwa ukuba xa benethemba lokuphila ngokuthembisayo , ngoko-ke inkqubo yokulungisa imiba yabo yokugqibela iya kuba yilula kwaye ayiyi kufuna uncedo lwe-estate kunye negqwetha lethemba. Kwamava am, oku kuyinyaniso kuphela kwinani elinqinqiweyo lamatrasti. Apha uya kufumana uluhlu lwezinto oza kuziqwalasela xa uqikelele ukuba kuya kufuneka uqeshe igqwetha ukuba likuncede ngokulungisa umhlobo wakho omthandayo.
01 Ngaba iNgxowa-mali yokuKhusela iVikelekile ngokupheleleyo?
02 Ngaba u-Trustmaker washada?
Ukuba umhlobo wakho othe wathandana naye othe wathintela uqulethe u-AB okanye u- ABC ukucwangcisa ithemba , ngoko xa umlingani wokuqala efa umphathiswa owalandelayo kunye nomlingane ohlala naye kufuneka adibane kunye neendawo kunye negqwetha elimthembayo ukuqinisekisa ukuba i-A, B, kunye / okanye i-C ixhaswe ngemali kwaye kwaye nayiphi na imali efunekayo yerhafu ye-estate kwi-federal kunye / okanye kwinqanaba likarhulumente ilungiselelwe kwaye ifakwe.
(Qaphela: nangona kungabikho ntlawulo eya kuhlawulwa, ukubuyela kungadinga ukulungiswa kwaye kufakwe ngokuthe ngandlela-thile ukuze kwenziwe ukhetho oluthile lorhafu.) Emva koko, xa iqabane eliseleyo lifa emva koko, umphathiswa oyimfuneko uza kudibana kunye nefa ugqwetha othembekileyo ukuba ahlule i-A, B, kunye / okanye i-C nethemba kunye nokulungisa isigqibo sokugqibela somlingane osisigxina kunye nethemba lokuphila.
03 Ngaba Abaxhamli baya kuzuza ifa labo ngokugqibeleleyo okanye kwiTrust?
Ukuba abaxhamli baya kufumana ifa labo ngokuthe ngqo kwaye akukho minye imiba ethile efunekayo ekufuneka ilandelwe ngamagqwetha kunye negqwetha le-trust, njengeentlawulo zerhafu, ukufumana ukukhishwa kwerhafu, ukujongana netyala leTrustmaker, okanye ukugqiba ukuba wenze ntoni ngeakhawunti yomhlalaphantsi, ngoko umphathiswa osindayo kunye nabaxhamli banokukwazi ukusebenzisana ukulungisa i-trust ngaphandle kokuncedwa ngummeli.
Ukuba, nangona kunjalo, omnye okanye ngaphezulu kwabazuzi baya kufumana ifa labo ekuthembeni, umphathiswa oyimfuneko uya kufuneka asebenze kunye nezigqeba kunye negqwetha lokuthembela ukuqinisekisa ukuba umphathiswa ngamnye uyaxhaswa ngemali kunye nokuxoxisana ngembuyekezo yentlawulo yengeniso. kunye nendlela ethembekileyo nganye kufuneka iphathwe ngayo imihla ngemihla.
04 Ngaba i-Estate Owe Federal okanye i-State Property Taxes okanye ifa leRhafu?
Ukuba i-Trustmaker yayihlala kuyo, kunye / okanye i-ownership ye-real estate kuyo, enye yeziphathimandla ezininzi eziqokelela irhafu yeerhafu okanye kwelinye lala mazwe asixhenxe eqokelela iirhafu zelizwe, ngoko phambi kokuba i-asethi ethembekileyo ingasasazwa kubaxhamli umceli umphathiswa uya kufuneka asebenze kunye namacandelo kunye negqwetha lokuthembela ukuqinisekisa ukuba zonke iimpahla ezifunekayo kunye / okanye iintlawulo zeerhafu zifakwe kwaye zonke iirhafu ezihlawulwayo zihlawulwa.
Ngaphandle koko, ukuba umphathiswa olandelelanayo wenza ukuba ukwabiwa kwabaxhamli phambi kokuba irhafu ihlawulwe ngokugcwele, ke umphathiswa oyimbeko angabanjwa ngokuhlawula irhafu ngaphandle kweempahla zakhe.
05 Ngaba u-Trustmaker wayeneBhizinisi?
Ukuba u-Trustmaker unomashishini kwaye wenza isicwangciso sokuphuma kwinto eyenzekayo kwishishini emva kokufa kweTrustmaker, ke umphathiswa oyimfuneko uza kufuneka asebenze kunye nefa kunye negqwetha lokumthemba ukuphumeza isicwangciso sokuphuma. Ukuba ngakwesinye icala i-Trustmaker ibenomashishini kodwa ayizange yenze isicwangciso sokuphuma, umphathiswa oza kubuya kufuneka adibane nefa kunye negqwetha elithembekileyo lokujongana nemimiselo yomthetho yokuqhubeka, ukuthengisa okanye ukuvalela ishishini likaTrustmaker .
06 Ngaba Abaxhamli Baya Kulwa?
Nangona ukukholelwa ngokuthe ngqo kunye nokuxhaswa ngemali ngokupheleleyo okukholiswayo akunakunqoba ukunxibelelana kweentsapho ezinzulu. Ukuba abaxhamli be-trust ye-living rectable bavumelani nendlela umphathiswa ophumelelayo ophethe ukusasazwa kwempahla ye-trust, ke umphathiswa oyimfuneko uya kufuneka ukuba aqeshwe amaziko kunye negqwetha elimkelekileyo lokuncedisa ukulungisa iingxabano zabaxhamli. Ukongezelela, abaxhamli be-trust bafuna ukuqesha abavoli babo ukuba baqinisekise ukuba iimfuno zabo kwi-trust administration zimelelwe kwaye zikhuselwe ngokufanelekileyo.
07 Ngaba i-Trust ibizwa ngokuba ngumxhamli we-Akhawunti yeMhlala-phantsi?
Ukuba omnye okanye ngaphezulu uthembela ngenzuzo yomlingane ohlala kwi-Trustmaker okanye abanye abaxhamli babizwa ngokuba yi-akhawunti yokuthatha umhlala-phantsi, njenge-IRA ye-Trustmaker okanye 401 (k), umxhasi we-Trustm uya kufuna uncedo ii-asethi kunye negqwetha lokuthembela ukuqinisekisa ukuba i-asethi ebanjwe yi-IRA okanye i-401 (k) ilawulwa ngokufanelekileyo malunga nokuxhaswa kwi-trust (s) echaphazelekayo kunye nendlela yokusingatha umrhumo omncinci ofunekayo kunye nokunciphisa irhafu yerhafu kunye neerhafu zerhafu .
08 Ngaba umntu obizwa ngokuba ngumNcedisi weAkhawunti yomhlalaphantsi?
Nangona ithemba elithethi lingabizwa ngokuba ngumxhamli oyintloko kwi-IRA okanye i-401 (k) iakhawunti, abaxhamli banokufuna uncedo lwe-estate kunye negqwetha elithembekileyo ukuqinisekisa ukuba i-asethi yomhlalaphantsi ilawulwa ngokufanelekileyo ngokubhekiselele kwimibandela emincinci efunekayo. kunye nempahla kunye nemiphumo yerhafu yengeniso.
Yintoni omele uyenze? Musa ukugxilwa ekucingeni ukuba ukunyaniseka kwakho okuthintekayo komntu oyithandayo kuya kuthatha iintsuku ezimbalwa okanye iiveki ukulungisa emva kokuba umhlobo wakho efile. Ngethemba, umhlobo wakho wenze konke ngamandla akhe ukuqinisekisa ukuba ukuthembela kwabo kuya kusebenza ngokufanelekileyo emva kokufa kwabo ukuze i-trust itholwe ngokukhululeka kunye nangaphandle kwembonakalo yoluntu kunye nokuhlolisiswa kwinkantolo yecala.