Kungaphezulu kokugwema ingxaki
Enyanisweni, iindawo zokuphila azikho kubo bonke abantu, kodwa ziba yinto efanelekileyo yokucwangcisa indawo ngokuxhomekeka kwiingxaki zabo kunye neemeko zabo.
Njengazo ezinye izinto ezininzi ebomini, ziza kunye neziqhamo kunye neengxaki.
INombolo yeNombolo 1: Unokuphephekisa iNkqubo
Ukuphepheka kweprobate mhlawumbi kunenzuzo enkulu yokuthembela kokuphila. Kutheni ukuzithoba kwabathandekayo bakho kunye nepropati yakho kwimimiselo engqongqo yenkqubo yenkundla ye-probate xa unokuyiphepha lula ngokuxhasa imali?
Oku kungabalulekanga ngokukhethekileyo ukuba ungumnikazi wezindlu ezingaphezulu kweli lizwe ngenxa yokuba abathandekayo bakho baya kubhekana neenkqubo ezimbini okanye ngaphezulu xa ufuna ukushiya intando. Ipropati nganye iya kufuneka ihlolwe apho ikhona khona.
Ukuthembela kokuphila okuphephekayo kunokunika nabathandekayo bakho ukufikelela ngokukhawuleza kwangoko kwimali ngexesha elinzima. Thelekisa oku kunye nexesha elithathayo ukuvula i-probate estate kunye nabathandekayo bakho ukufumana i-akhawunti yakho yasebhanki. Kungathatha naphi na kwiiveki ezimbalwa ukuya kwiinyanga eziliqela.
Pro No. 2: Unokuphepheka ukuKhusela okanye iNkqubo yokuBakhokelela
Iingxowa zokuhlala ezikhuselekanga azikho nje ngokufa.
Bangakwazi ukujongana nemiba ethile xa uhlala, naye.
Kutheni ubeka phantsi abo bazithandayo kunye nepropati yakho kwimimiselo ekhuselayo yokugcina okanye yokugcina ingqalelo xa ufanelekile ukukhubazeka? Ukwenza ukuthembela kokuphila okuphazamisayo kukubandakanya ukubiza umphathiswa osindayo, umntu ukuba angene ngaphakathi kwaye alawulwe ukuthembela kuwe xa ixesha lifika xa ungasakwazi ukwenza oko ngokwakho.
Emva kokulandela amalungiselelo okuthembela ekunqumeni ukukhubazeka kwakho, umphathiswa wakho othasayo unokuthatha ulawulo lwezinto zakho zokuthembela ngaphandle kokuphazamiseka kwenkundla.
Pro No. 3: Unako Ukugcina Izinto Ezizimeleyo
Iprobate yinkqubo yoluntu. Nabani na onokuya enkundleni kwaye akhangele kuwo onke amaxwebhu afakwe apha, kuquka ukuthanda kwakho. Kweminye imimandla, abantu abangaqhelekanga banokukhangela iidokethi zamatyala kunye nokufakwa kwi-intanethi.
Xa uvavanyo luvulwa kwaye ukuthanda kwakho kufakwe enkundleni, nabani na-nabani na-bangawufunda, bona ubungakanani bento onayo ukuba uhambe kwabanye, kwaye ufumane ukuba ngubani ofumanayo. Amaphepha amathenda akakaze afakwe enkundleni ukuze angabi irekhodi kawonkewonke ukuze wonke umntu abone.
I-Conombolo 1: Iindleko zangaphambili zingaba ziphakamileyo
Ngokuqhelekileyo ixabisa ngakumbi ngexesha kunye nemali ukuseka nokuxhasa imali yokukholelwa ekuphiliseni kunokuhlala nje ubhale intando. Nangemva kokuba usungule i-trust, kufuneka wenze izinto ezintsha kunye namanye amaxwebhu ukuba uthumele ubunikazi befa lakho kuyo.
Kodwa ixesha elipheleleyo kunye nemali esetyenzisiweyo mhlawumbi iya kuba ngaphantsi kwexesha elide. Ithemba liza kuvumela abathandekayo bakho ukuba bagweme ugcini-mboleko olulawulwa yinkantolo ukuba uyakhubazeka kwaye i-probate ejongene neendleko ezithintekayo emva kokufa.
Khumbula, izenzo kunye namaphepha adlulisela ubunikazi kufuneka adalwe emva kokufa kwakho, naye. Uhlala uhlawula loo ndleko kwangaphambili xa wenza ifoni-kodwa abathandekayo bakho abayi kuhlawula iifizi zokuhlawula ngaphezulu.
I-Conombolo yesi-2: Ukuxhaswa kweTrust iyintlungu
Kufanele uqhagamshelane nebhanki yakho, utyalo-mali kunye neenkampani zomshuwalense, kunye nee-agent zokudlulisa. Kufuneka utshintshe i-akhawunti kunye nobunikazi bamasheya kwaye ubuyekeze abaxhamli. Izatifikethi ezintsha zentengiso mazikhutshwe. Iimoto neenqanawa kufuneka zihlaziywe. Kubantu abaninzi, oku kuyindlela enkulu yokusebenzisa ukuthembela kokuphila okupheliswayo njengesixhobo sokucwangcisa umhlaba.
Kodwa ukuba ithemba lingaxhaswa ngokupheleleyo, akufanelekanga ixesha, imali, kunye nomgudu wokwenza omnye. Uluhlu lwezinto onayo kunye noko kufuneka kwenziwe ukwenzela ukuba zixhaswe kwi-trust kufuneka ziqwalaselwe ngokucophelela ngaphambi kokuba uthathe isigqibo sokusebenzisa enye.
I-Conombolo 3: Uya Kufuna Iintando
Ukuba udidekile okanye uphazamiseke xa uxhasa inkxaso yakho okanye xa ungenayo ixesha elaneleyo lokwenza ngokufanelekileyo, ukuthembela kwakho kuya kuhlawulwa kuphela xa ufa. Kwakhona kulula kakhulu ukulibala ukutshintshela isihloko kwisityebi esandula kuzuza kwithemba lakho njengoko ixesha lihamba.
Uyakufuna uhlobo oluthile lwexabiso elibizwa ngokuthi ukutshiswa liza kubamba "iimpahla zakho ezingahlawulwanga" kwaye "uwathululele" ekuthembeleni kwakho, kwaye ukutshiswa kwakho kuya kufuneka kulungelelaniswe. Kodwa ukutyhalaza kuya kuba yinto ebaluleke kakhulu kwimeko yokulondoloza.
I-Conombolo 4: Iindlalifa Zakho zide Zigqubuthele i-Trust
Uninzi lwawo luneemimiselo ethile efuna ukuba ngubani onokujamelana nomngeni wokugqibela kunye novavanyo kunye nokude kangakanani ukuba benze njalo. Ixesha lingaba luncinane kangangeentsuku ezingama-30 ukuya kwi-90.
Qhathanisa oku ngokuchasana nokuthembela, okwakusandul 'ukuza kubekho inkundla evulekileyo yokuqhuba isifundo kuphela kwimimiselo ethile yomgaqo-mali. Le mimiselo ihlala yinye ukuya kwiminyaka emihlanu, kodwa ngamanye amaxesha ihlala ixesha elide. Amaqela athile athe wagqiba ukuvala le galeko, nangona kunjalo, ngokumisela imithetho ethile ekhusela ngokukhawuleza ixesha lokumelana nethemba.
Ngaphantsi
Xa ulungisa into ebalulekileyo njengokucwangciswa kwezindlu, kubalulekile ukuthetha nomsebenzi wezomthetho ukuze uqiniseke ukuba uyaziqonda zonke iingxaki kunye neengxaki zakho kwizigqibo. Eli nqaku lijoliswe ekudluliseni ulwazi oluqhelekileyo kuphela kwaye alinakusetyenziswa ngokuthe ngqo kwiinkxalabo zakho ezizodwa. Alukho isiluleko somthetho. Ngenxa yoko, uya kufuna ummeli.