Yintoni Oyaziyo Ngokutshintshela kwiAccccounts yokufa
Iingxelo ze-TOD zingasetyenziselwa i-akhawunti ye-investment, kubandakanywa imali kunye neempahla kunye nezibophelelo ezigcinwe kwi-akhawunti ye-brokerage.
Ezinye iindawo ziyakwazi ukuba nezenzo ze-TOD . Ngokubanzi, bonke abaxhamli be-akhawunti ye-TOD baya kufuneka benze ukufikelela kwiimali-mali ezisele emva kokufa komnini kukubonelela ngenkampani yokutshala isitifiketi sokufa somnini.
Utyalo-mali olusele kwi-akhawunti ye-TOD luza kudluliselwa kubaxhamli ababizwa ngokuba ngumnini kwifomu yokutyunjwa kwabaxhamli kwifayile kunye nenkampani yotyalo-mali kwipesenti ezichaziweyo. Qaphela ukuba ukuba i-akhawunti yokuThumela i-akhawunti ye-TOD, emva kokuba umnikazi we-akhawunti afe i-number identification number (EIN) iya kufuna ukufunyanwa kwi-trust phambi kokuba utyalo-mali ungadluliselwa kumphathiswa we-trust .
Indlela yokwazi Ukuba i-Akhawunti ye-TOD ifanelekile kuwe
Ukuba ucinga ngokuseka i-akhawunti ye-TOD, qwa lasela i-akhawunti ye-akhawunti yezobalo-mali:
- Iingxelo ze-TOD zilula ukuseka. Ukuseka i-akhawunti ye-TOD, qhagamshelana nenkampani yakho yotyalo-mali kwaye ubuze indlela yokuvula i-akhawunti entsha ye-TOD okanye utshintshe ii-akhawunti zakho ezikhoyo kwi-akhawunti ye-TOD.
- I-akhawunti ze-TOD zidlula ngqo kubaxhamli ngaphandle kweengxaki. I-akhawunti ye-TOD iya kudlulela kubaxhamli be-TOD nangona ukuba umnini-akhawunti unelungelo lokugqibela kunye nesigidimi okanye ukuthembana okuphikisayo kunye nokuba kungakhathaliseki ukuba kuyintoni na ukuthanda okanye ukuthembela. Oku kuthetha ukuba ukuba ubiza bonke abane abantwana bakho njengabaxhamli kwiintando zakho okanye abathembekileyo kodwa babini kuphela kwi-akhawunti yakho ye-akhawunti ye-TOD abaxhamli be-akhawunti, ngoko ke utyalo-mali olusele kwi-akhawunti yakho ye-TOD xa usweleka kuya kuhlawulwa kuphela kubantwana ababini kwisikhundla sokuxhamla. Ngako oko, kufuneka ulungelelanise ukuthanda kwakho okanye ukuthembela kwabo baxhamliweyo owathethele ii-akhawunti zakho ze-TOD.
- Iingxelo ze-TOD ezidibeneyo zingasungulwa. Abaninzi abanokugcina i-akhawunti edibeneyo eya kudlula abaxhamli be-TOD emva kokuba bonke abanikazi bafe. Nangona kunjalo, kwiibini ezitshatileyo, emva kokuba elinye iqabane lifa, umlingane ohlalayo uya kuba nokulawula ngokupheleleyo kwi-akhawunti ye-TOD kwaye, ngoko ke, unokutshintsha abaxhamli be-akhawunti. Ngoko ke, ukuba wena kunye nomlingane wakho umtshato wesibini kwaye unabantwana eminye imitshato, oko kuthetha ukuba umlingane ophilayo unokutshatyalalisa abantwana beqabane lokuqala ukuba bafe.
- Abaxhamli be-TOD kufuneka bahlaziywe njengoko ubomi bakho butshintsha. Njengoko ubomi bakho buguquka, ngokunjalo kufuneka bakho abaxhamli be-TOD. Oku kubaluleke ngakumbi ukuba umxhamli uye waqamba igama lakho ngaphambili. Qaphela ukuba xa unethemba lokuphila elikhuselekisayo kwaye ulibiza ngokuba ngumxhamli we-akhawunti yakho ye-TOD, ngoko nangoko uguqula abaxhamli be-trust uya kuguqula abaxhamli be-TOD ngaphandle kokuba utshintshe i-TOD yokuqeshwa kwabaxhamli kwifayili kunye yakho yebhanki.
- Isilumkiso: Musa igama labancinci njengabaxhamli be-akhawunti ze-TOD. Ukubiza abazukulu abancinci njengabaxhamli be-TOD kwiakhawunti yakho yebhanki kunokubangela ukuba kungenakucingelwa ukuba ngaba bazukulu basencinane xa usweleka. Oku kungenxa yokuba abaxhamli abancinci abanalo igunya lokusemthethweni lokufumana utyalo-mali kwi-akhawunti ye-TOD. Kunoko, umgcini-mboleko olawulwa yinkantolo uya kudingeka ukuba usekwe yincinci ade ade afinyelele kwi-18, ngelixesha apho umntwana omncinci uya kuba nokufikelela ngokupheleleyo kwi-TOD utsalo-mali ngaphandle kwemigca ehlanganisiweyo.