Ukubuyisela iiAfa kunye nokuhlaziya abaxhamli kunye nabaChododi
Ukuba udale i- Revocable Living Trust ukucwangcisa ukukhubazeka kwengqondo kwaye ugweme uvavanyo kwaye ucinga ukuba isicwangciso sakho sempahla senziwa xa usayine isivumelwano sesivumelwano, akukho. Ngoba kutheni? Kungenxa yokuba emva kokusayinwa kwakho kwi-Living Revocable Living Trust uza kufuneka "uyixhase" ngeempahla zakho. Kodwa akusiyo yonke i-asethi yakho inokungena kwithemba lakho. Nolu uluhlu lweentlobo zeempahla azikwazi ukubizwa ngegama lokuthembela kwakho kunye nezinye ezingabhalwanga ngenxa yenkqubo yomthetho esebenzayo.
01 Amakhawunti afanelekileyo omhlala phantsi.
Ii-Akhawunti ze-Savings zeMpilo kunye neeNkcazo zokuSindisa iiMali.
Ii-HSA kunye nee-MSA azikwazi ukubizwa ngegama lakho lokuthembela. Esikhundleni salokho, i-trust ityunjwe ukuba yi-primary or secondary beneficiary of these accounts. Hlola kunye negosa lakho lokucwangcisa i-estate ukucacisa oko kuqondakalayo kwimeko yakho.
03 I-akhawunti ye-UTMA ne-UGMA.
I-akhawunti ye-Uniform Transfer kuya kwi-akhawunti encinci (i-UTMA) okanye izipho ezifanayo kwi-akhawunti encinci ( UGMA ) eyenzelwe inzuzo yomntwana omncinci, umntwana uthathwa njengomnikazi we-akhawunti, kungekhona umntu owamisela i-akhawunti okanye umgcini-mgcini . Esikhundleni sokutshintsha umnini we-akhawunti, umgcini-mgcini-mlandeli kufuneka abekwe ukuba aphephe ukungqinelwa kwe-akhawunti ukuba umgcini oyintloko uyasweleka ngaphambi kokuba umntwana abe ngumdala.
04 I inshorensi yobomi.
Nangona umnini-mali we-inshorensi yobomi ungatshintshwa kwiTrasti ye-Insured's Revocable Living Trust ngaphandle kokudala imiphumo engenayo yerhafu yengeniso, jonga ummeli wakho wokucwangcisa umhlaba ngaphambi kokuba wenze njalo ngenxa yokuba kwezinye iindawo ezibhekiselele kwi-Revocable Living Trust ayikhuselekanga " umntu "ngenjongo yokukhusela umboleki .
05 Iimoto, iilori, iikhiloji, iinqanawa, ii-Scooters, ii-Airplan.
Nangona kwiimoto eziqhelekileyo zingafakwa kwisithemba sakho, ezinye iimbono zijonga ukutshintshwa njengentengiso kwaye ziya kuhlawulisa irhafu enkulu yokutshintshela ukukhutshwa kwesihloko esitsha egameni lethemba. Ukuba ngaba kunjalo kwimeko yakho, ngoko unokufuna ukulinda nokuthenga isithuthi sakho esitsha egameni lethemba. Ngaphandle kwalokhu, kwezinye iincwadi zichaza ukuba akukho mfuneko yokudlulisa ubunini bezithuthi emva kokuba umnini afe kwaye iindawo ezimbalwa ngoku zivumela abanikazi bezithuthi ukuba babone umxhamli emva kokufa. Uya kufuneka uhlolisise kunye nommeli wecebo lakho lomhlaba ukuqonda ukuba ungayiphepha njani ingxaki yezithuthi zakho kwilizwe lakho.