Akunjalo kuwo wonke umntu
Ummeli wezocwangciso zezobuceba ocebisa i- Revocable Living Trust ukuya kwi-100 % yabathengi benza ukwenziwa okukhulu, njengoko ummeli wezocwangciso zezobuhlaba obalahlayo kwaye ucebisa ukuba iNtshukumo yokugqibela kunye neTestamente kuya kuba-100% abathengi benza inkunkuma enkulu.
Ngoko, unokufumanisa njani ukuba ufuna ngokwenene iTrust Living Revocable Trust? Ngokubanzi, kukho izizathu ezibini zokuba kutheni abagwebi bezocwangciso zezindlu bacebisa abaThengi baKhuselekileyo beCandelo eliPhezulu lokuPhila- ukuphepha ukugcinwa kwexesha elifanelekileyo kunye neendleko ezilawulwa yinkantolo xa unengqondo yokukhubazeka kwaye ugweme ukuchitha ixesha kunye nexabiso elibi emva kokufa. Kodwa ngaphandle kwezi zimbini zizathu ezisisiseko zokucebisa i-Revocable Living Trust, kukho enye imibuzo eyongezelelweyo ebhalwe apha ngezantsi ukuba ummeli wakho wecebo lomhlaba unokukucela ukuba unqume ukuba ukuthembela kulungile kuwe. Ukuqwalasela iimpendulo zakho kule mibuzo kunye nezizathu ezisisiseko zokusebenzisa i-Revocable Living Trust njengoko isiseko sesicwangciso sakho sempahla siya kunika ulwazi olwaneleyo ukufumanisa ukuba ngaba i-Revocable Living Trust iyona nto uyifunayo.
Iimbuzo 5 I-Attorney yakho yoCwangciso lweZakhiwo kufuneka Ucele ukuba Uzimisele ukuba ngaba iTrust eLawulayo ilungile kuwe
Ziziphi iintlobo zeefa?
Ukuba zonke unayo iibhanki ezimbalwa zebhanki, enye inshorensi yobomi kunye ne-401 (k), ngoko i-Revocable Living Trust iyakuthi iphele. Okona kuncinci uya kufuna i- Power Correctible Power of Attorney kunye ne- Advance Medical Directive ukunika umntu igunya lokukulawula kunye nemali yakho xa ungenakulungiswa.
Uyakufuna kwakhona Ixesha lokugqibela kunye neTestamente ukujongana neakhawunti yakho yasebhanki emva kokuba ufe ngaphandle kokuba unako " ukuhlawulwa ngokufa ." Hlola ngebhanki yakho ukuba niqiniseke.
Kuthiwani ukuba ungumnini wezindlu? Amandla alondolozekileyo e-Agqwetha aya kuvumela i-arhente yakho ekuthiwa yicwangco ukujongana ne-estate yakho xa ungenakukhubazeka, kwaye inani elikhulayo lamazwe liyaqaphela ukutshintshwa kwizenzo zokufa, izenzo ezixhamliweyo okanye izakhiwo zokuthengisa eziza kubangela ukuba izakhiwo zakho zivumeleke ukuphepha ukuvavanya emva kokufa. Kodwa ukuba unomhlaba ongeyimihlaba engayiboni le ndlela yezenzo, ngoko-ke i-Revocable Living Trust iyakuthi ifuneke ukukhusela i-estate estate yakho. Ukuba ingaba uvavanyo luya kuba luyimfuneko lubekwe lixabiso le-propati ngexesha lokufa kwakho kunye nomthetho welizwe osebenzayo.
Ngaba Unayo Ibhizinisi?
Xa kuziwa kwishishini lentsapho, yilapho i-Revocable Living Trust idlula ngaphezu kwexabiso leNtshukumo yokugqibela neTestamente. Ngoba? Ngenxa yokuba i-Revocable Living Trust ibambelela kumdla wakho, uTrasti wakho ozayo uyakwazi ukuqhubeka nokulawula ishishini ukuba ukhubazeke okanye ufe. Akunjalo ngenjongo, kuba uMmeli woBuntu uza kuqeshwa yinkantolo ye-probate engathatha iiveki eziliqela okanye kwinyanga eziliqela ukuphumeza.
Kwakhona, uMmeli wakho woMntu uya kufuna ukuba uvume imvume yenkundla ye-probate ukuqhubeka nokuqhuba ibhizinisi lakho ngaphaya kweenyanga ezimbalwa emva kokufa okanye ukuthengisa ishishini.
Ngaba Ufuna Ukubandakanya Abanikezeli Abancinci?
Ukuba ufuna abaxhamli abancinci (abantu abaneminyaka engaphantsi kweminyaka eyi-18) ukuba bazuze abanye okanye yonke ifa lakho, ngoko unako ukumisela itrustaryary trust for their benefit kwi-Final Will kunye neTestamente okanye iTrust Ever Revocable Trust. Kodwa ekuqalekeni ukusekwa kwetrustaryary trust kwaye idibanise nayiphi na inguqu kwixesha elizayo kwiTrasti okanye utshintsho kwiimeko, i-trustaryary trust ethe wadala kwiNtsuku yokuQala kunye neTestamente iya kulawulwa yinkantolo ye-probate, ngelixa i-trustamentary trust ishicilelwe kwi-Revocable I-Living Trust ayiyi kuba.
Kungakhathaliseki ukuba ngabaphi na abaxhamli abancinci abahlawulwa ngabafayo okanye i- IRA okanye i-401 (k) abaxhamliweyo kuba inkundla yokugcinwa komntwana omncinci kuyakufuneka isungulwe kwincinci ize ibe ne-18.
Ngaba Unomdla Ngezinto Eziyimfihlo?
Emva kokuba ifakwe kwi-probate, i-Final Will, kunye neTestamente iya kuba yinkqubo yenkundla kawonkewonke enoba ubani unokufunda. Ngaphandle kwalokhu, uninzi lweengxelo zentetho zentetho zikarhulumente zikarhulumente ukuba ubani uyakwazi ukufunda, kwaye la maxwebhu aya kubhala amagama abo iindlalifa zakho kunye needesi zabo, obenakho xa uswelekile, kwaye ngubani obole imali xa wafa.
Ngakolunye uhlangothi, i-Revocable Living Trust ngumqulu wangasese ongekho irekhodi yenkundla kawonkewonke. Kuthetha ukuba abantu abodwa abanelungelo lokubona ikopi yethemba lakho emva kokufa ngabo baxhamli kunye nabaTrasti abaphumelelayo oye wathetha kwisivumelwano sokwethenjwa. Ngaloo ndlela, imiqathango yethemba, abaxhamli be-trust, yintoni i-trust, kunye namagama abaTrasti abayifumanayo angagcinwa yimfihlo ekuhloleni amehlo abo bahlobo, abahlobo kunye nabamelwane.
Ngaba Unomdla Nge-Contest Will?
Ngelixa ezinye iigqwetha zingacinga i-Revocable Living Trust njengeqhinga elihle lokukhupha umncintiswano - emva koko konke, i-trust is documentary private, right? - Enyanisweni, kumazwe amaninzi, intando ehamba ngolu hlobo yinto efanelekileyo. Ngoba? Kungenxa yokuba kwezinye iindawo xa i-intando ibonelelwa ngamathuba okuba ngabaviwa baya kukwaziswa ngeenkqubo zokungqinisiswa, okuza kuthi banciphise ixesha apho bangafaka khona umncintiswano oza kubakho ixesha elifutshane (ngokuqhelekileyo kuphela inyanga okanye ezimbini). Ngakolunye uhlangothi, ixesha elithile lokuphikisana nentembeko lihlala lide ixesha elide - ukusuka ezintandathu ezintandathu ukuya kwiminyaka emininzi-leyo inika ithuba lokuba nethemba elincinci ixesha elininzi lokuba lize liphande kwaye liphande ukuba linetyala ize lifake icala labo ngomzuzu wokugqibela.
Ngoko, Ngaba Ufuna Ngempela Ukuthembela Kwokuphila Okuphazamisekileyo?
Njengoko ubona, ukubuza ukuba ufuna i-Revocable Living Trust ayikho kwimpendulo esheshayo nelula. Ngoko ke, ukuba ummeli wecebo lokulunga uthetha kuwe ngemizuzu embalwa yokudibana nawe ukuba ufuna, okanye awuyidingi, i-Revocable Living Trust, fumana umbono wesibini.