Ukuthembela kokuphila okuphazamisayo kukubandakanya izigaba ezintathu zobomi be-trustmaker: ubomi bakhe, ukungenakwenzeka, nokuba kwenzekani emva kokufa kwakhe.
IsiGaba esisodwa seTrasti Living Trust: I-Trustmaker iLive kunye neNgcaciso
Amaxwebhu amathenda athembekileyo afanele afake amalungiselelo athile avumela umntu othembekileyo ukuba atyale kwaye asebenzise i-asethi ye-trust ukuze azuze ngexesha lokuphila kwakhe. Unako ukuhamba ngezoshishino njengesiqhelo kunye nezinto eziye zagqithiselwa okanye ezixhaswa ngemali kubunini bokuthenjwa, ngokucinga ukuba akayi kumisela omnye umntu ukuba abe ngumphathiswa. Kule meko, umphathiswa uya kuthatha isalathiso kuye.
Umphathisi- mhlaba unelungelo lokurhoxisa ukuthembela okuthekisayo - ngoko igama elithi "likhuphe." Unako ukubuyisela iimpahla ebezifakelwe kuyo, ukuguqula imali engenayo kwithenda kuye okanye omnye umxhamli, athengise ipahla okanye afake i-asethi ngaphezulu. Ugcina ulawulo lokugqibela.
Ithemba lokuphila elingenakuguquka alikho inombolo yesazisi yomhlawuli werhafu, ngokungafani nethemba elingenakuthenjwa - elinye apho umgcini othembekileyo anika konke ukulawula.
Ukholo olusususayo kunye ne-trustmaker share share inombolo efanayo yoLuntu lweNgcaciso. Iintlawulo zentlawulo zifakwe kwiFomu 1040 ye-trustmaker, ngokungathi nje waqhubeka ebamba ubunikazi beempahla ngokwakhe.
IsiGaba sesiBini seTrastible Living Trust: I-Trustmaker Yenza i-Intentable Incapacity
Isivumelwano sobathemba kufuneka sichaze nokuba kwenzekani ukuba umntu othembekileyo engakwazi ukuziphatha kwaye akakwazi ukulawula imicimbi yakhe kunye neyathemba.
Amaxwebhu athembekileyo kufuneka athi igama "umphathiswa owalandelayo," umntu angene ngaphakathi aze athathe ulawulo lwethemba xa umgcini-mvume ethembele engqondweni. I-trustee elandelwayo ingakwazi ukulawula iimali ze-trustmaker kunye ne-asethi ebekwe kwi-trust.
IsiGaba sesiThathu seTrasti yokuKhuselwa okuKhuselekileyo: Ukufa kweTrustmaker
Uthemba olusususa ngokuzenzekelayo luya kuba luncedo xa umntu othembekileyo efa ngenxa yokuba akanako ukwenza utshintsho kuyo. Amanyathelo athethwa ngamatrasti athethiweyo ngoku ngoku, ukuhlawula iibhilikhwe zokugcina, amatyala kunye neerhafu, njengokuba wayeya kuyenza ukuba umntu othembekileyo akakwazi ukukhubazeka. Kwimeko yokufa, ke ngoko uya kuhambisa i-asethi abahlala kuyo kubaxhamli be-trust ngokumalunga nemiyalelo ebandakanywe kumaphepha e-trust.
Indlela yokuKhuselwa kweNdawo yokuPhepha okuKhuselekileyo igweba iNkqubo
INkonzo yeNgeniso yangaphakathi kunye neenkundla zamatyala zijonga iitrasti ezinokuthi zincinane. Ngenxa yokuba umntu othembekileyo kunye ne-trust bayabelana ngenani elifanayo leNgcaciso yeNtlalo, i-asethi efakwe kwi-trust ayiphepheli irhafu ye-estate. Umphathisi-mandla unokuzibuyisela nanini na xa ethanda, ngoko i-IRS ithatha isikhundla sokuba engakhange aphuhlise ubunini bezobugcisa njengoko wayenokuthembela okungenakuthenjwa, okungabaleki intela yerhafu.
Inkundla yeengxaki ithi ukhululile ubunini. Unikwe ixabiso kwi-trust, nangona ayenokuzibuyisela. Kucinga ukuba akenzanga njalo ngomhla wokufa kwakhe, i-asethi ye-trust ayiyi kuphumelela. I-trustee elandelayo inokubeka i-trust ngaphandle kwekhotho, ngaphandle kokulawula.