Ukubaluleka Okubalulekileyo Okukwenza okanye Ukudiliza Inkolelo Yakho
Ngokuqhelekileyo, kukho izinto ezintathu omele uziqwalasele xa uzama ukukhetha umphathiswa.
Ngaba umntu onamandla, ofanelekile, nokulungele ukukhonza njengoTrasti?
Kuyamangalisa ukuba kuninzi umntu oza kuseka i-fund trust kwaye athi igama lomhlobo osondeleyo kwindlalifa ye-trustee , ngaphandle kokuba ayeke ukubuza ukuba umhlobo unamava afanelekileyo, kwaye uyazimisele ukuthatha uxanduva kunye noxanduva lokusemthethweni, lawula i impahla. Ngenxa yokuba uthanda kunye / okanye ukuthembela komntu akuthethi ukuba bafanele ukuba yi-trustee yakho, kwaye ngenxa nje yokuba umntu unobulumko kwi shishini akuthethi ukuba bazimisele ukuba ngumphathiswa wakho. Ukuba ithemba lakho linamali-mali amaninzi, qwalasela umntu onamava atyala imali kwi-estate . Ukuba uceba ukunikela ngegalelo lesincinci kwibhankini yendawo, cinga ngokuqeshwa kombhanki onolwazi.
Umgaqo ophezulu omele ulandele: Yinyaniseka ekuhloleni kwakho izakhono zomphathiswa, kwaye uqikelele iimvakalelo zabo ngokubabuza kwangaphambili ukuba ngaba banomdla kulo msebenzi.
Ngaba uya kuthiwa lo Mntu ofanelekileyo njengoTrasti otyhathisa ubudlelwane beNtsapho okanye Ubangela iingxaki phantsi koMgca?
Cinga ukuba unabantwana abane. Omdala uphumelele, uhlakaniphile, kwaye uzimeleyo ngokwezimali. Uphumelele wena kwaye ulindele ukushiya ifa elixabisa i-$ 1,000,000. Ufuna yonke imali ibekwe kwi-fund ye-trust yezingane zakho ezihlawula i-4% ngonyaka.
Oku kuya kunika ngamnye oonyana abane abane-$ 250,000 kwinqununu, okwenza i-$ 10,000 ngemali yemali rhoqo ngonyaka. Igama igama lakho likhulu liphathiswa kwaye unike amandla okuqonda ngaphezu kokunikezelwa kwetrasti, nje ukubonisa ukuba izinga lokuhlawula licinga ukuba lifanelekile, kodwa lingayifuni. Ukuba omnye wabazalwana abathathu abancinci uba ngumthwalo ongenamdla okanye ahlawule ingxaki yeziyobisi, baya kufuna imali kumzalwana omdala. Ulwalamano luya kuba lukhuni, mhlawumbi lube yintlondi. Nabo abo bangabanjwanga zigqibo ezingalunganga banokuthi bangakhubeki. Njengabantu abadala, kuya kufuneka bacele imali ejoliswe ngenzuzo yabo, bamnike amandla phezu kobomi babo. Eli lungiselelo libeka imbewu yeengxabano zentsapho. Ayikwazi ukuphela kakuhle kwiimeko ezininzi ngenxa yobume bomntu.
Ngaba iTrasti inikezela ukuqhubela phambili kunye nokukhusela ukuxhatshazwa?
Kwenzeka ntoni ukuba ubiza umphathiswa kwi-fund trust kwaye uyafa? Kungenxa yesi sizathu ukuba abaninzi abantu kunye neentsapho zikhetha i-trustee yeziko, njengesebe elikhulu lokongamela ibhanki . Ngaloo ndlela, akukho kuphela ulawulo kunye neenkonzo ezingeniswa yiziko lemali kodwa ezinye uxolo lwengqondo.
Ukuba ummeli otyunjwe yibhanki uyafa okanye akakwazi, ibhanki inokubeka omnye ummeli ngokukhawuleza. Akufuneki kubekho ukuvalelwa kweenkundla ezide okanye ezinokuthi zenzeke. Njengobhonasi bongeziweyo, ukusebenzisa i-trustee yeziko kunokunceda ukukhusela i-asethi yakho kwi- malfeasance . Isimo sinokukunceda uqonde izizathu:
Cinga ukuba usebenzisa umhlobo njengomphathiswa, kwaye uhlakulela ingxaki yokugembula , athathe i-trust trust. Ngokuqinisekileyo uya kujele, kodwa oko akunakulungeleli abaxhamli bakho. Imali isesekho. Nangona kunjalo, ukuba unyule iziko elifana neNorthern Trust, ibhanki eyaziwayo yaseChicago ehlala e-Chicago enokuthi i-1 kwabangu-4 baseMelika abaxhamli njengomxhasi, ibhanki ineenkqubo zophicotho lwangaphakathi kunye nokukhusela okuya kuthintela ukuba olo hlobo lube khona.
Ngaphezu koko, ukuba kwenzeka, uya kuba nebango e-bhanki (kunye neebhanki ezinzulu zebhanki), unikeza ithemba lokubuyisela.
Enye indlela yokufumana ezilungileyo zezo zombini iindawo zokumisela umhlobo wakho kunye nebhanki njengama-trustees, abafanele basebenze ngokubambisana kwizigqibo ezinkulu. Ngaloo ndlela, uyazi umntu okhangele iinjongo zakho, kodwa unalo ulondolozo kunye neliso elilindileyo leziko lemali ukugcina unyanisekile (kunye nakwezinye izinto). Esi sisisombululo sam esinqunyiwe kwezi meko.