Ngaba Wena Nomntu Oshade Naye Unayo "Ndiyakuthanda" Iifilisi?

Ukuya ngaphaya kwe-intando elula kunokubonelela ngeentsapho ezininzi

Ngaba wena kunye neqabane lakho ninayo "Ndiyakuthanda"? Ukuba kunjalo, ngoko ulahlekelwa ngamanye amathuba okucwangcisa umhlaba, kuquka ukucwangciswa kweentlawulo zendawo, ukucwangcisa i- asethi, ukucwangcisa ukuzala, kunye nokugcina impahla yakho kwintsapho yakho kunokuvumela ukuba ungene ezandleni zentsapho yesibini .

Yintoni 'Ndiyakuthanda' Ngaba?

"Ndiyakuthanda" Ngaba luhlobo olusisiseko lweNtshukumo yokugqibela kunye neTestamente esetyenziselwa izibini ezitshatileyo xa imeko yabo yezemali ayifuni imfuneko yokucwangcisa intela yezindlu ngokusetyenziswa kwe- AB Trusts okanye i- ABC Trusts .

Umzekelo, iCandelo lokugqibela kunye neTestamente liza kuba neli hlobo lulwimi olulandelayo:

"Xa ndifa, ndiyishiya yonke indawo yam kwiqabane lam, ngokucacileyo kwaye ndikhululekile."

Izinzuzo Zokuhamba Ngaphandle Kulula 'Ndiyakuthanda' IiWills

Iibini ezitshatileyo ezineendawo ezihlawulwayo, ukucwangcisa ngaphaya kokulula Ndiyakuthanda kunyanzeliswa ukuze unciphise okanye ukhusele ngokupheleleyo iintlawulo zendawo yokuhlala kunye / okanye kumgangatho wesigqeba. Esikhundleni sokushiya yonke ifa lomfazi oshonile ngqo kumlingane ohlalayo ngoku Ndiyamthanda Uya kuthi, ukunciphisa intela okanye ukucima intela kungenziwa ngokusetyenziswa kwe-AB Trust okanye i-ABC Trust planning.

Sekunjalo kunye ne-federal property tax exemption ehleli phantsi kwi-$ 5.25 yezigidi, ukubaluleka kweendawo ezihlahlayo, kunye nomgaqo omtsha wokuba " ukuphatheka " kwerhafu yokuhlawulelwa kwempahla phakathi kwabantu abatshatileyo, abantu abaninzi bakholelwa ngokukholelwa ekubeni u-AB Trust okanye u-ABC Trust ayiseyona nxalenye ebalulekileyo yezicwangciso zabo zezindlu.

Ngaphandle kweemeko ezicacileyo zokuphelisa u-AB Trust okanye u-ABC ukucwangcisa ukucwangcisa kumazwe anjengeMaldan, eMassachusetts, eNew Jersey , eNew York nase- Oregon eqokelela iirhafu zelizwe kunye neentlawulo eziphantsi kakhulu zerhafu, zikhona ezinye izizathu ezininzi zokuba ungaphaya kwezinto ezisisiseko Ndiyakuthanda Iinqwelo kufuneka ziqwalaselwe ngabantu abatshatileyo:

5 Izinto Ongayenza

Kuzo zonke izizathu, kulula "Ndiyakuthanda" Iifilisi maziqwalaselwe kuphela kwiibini ezitshatileyo kwiimeko ezincinci. Ngoko ukuba wena kunye neqabane lakho nisenalo "Ndiyakuthanda" Iinqwelo, ngoko kufuneka udibane nommeli wecebo lomhlaba ukuxoxa ngazo zonke iinketho zakho.

1. UCwangciso loKhuselo lweAstim: Ukusebenzisa i-AB Trusts okanye i-ABC Trusts ayithethi ukuba uzalise i-A, B, kunye / okanye i-C Trusts (ubuninzi beza kufuna ukuxhaswa ngemali kwi-trust ehlukeneyo kuxhomekeke kwixabiso lefa iqabane lokuqala ukuba life). Oko kuthetha ukuthini ukuba i-A, B, ne-C Iingxowa zithemba zonke , kwaye ngoko nayiphi na impahla ene-A, B okanye i-C Trust ayiyi kuthatyathwa njengepropati eyahlukeneyo yedwa kunye kwaye kufuneka ikhuselwe ababolekisi, abaxhamli, kunye nezigwebo. Oko kuthetha ukuthini ukuba nokuba ifa lesibini esitshatileyo ayinakuhlawulwa, bayakwazi ukuxhamla inzuzo yokukhusela i-B Trust nokuba ngaba yithemba elilodwa kuphela elifuna ukuxhaswa ngemali emva kokuba umlingane wokuqala efa.
2. UCwangciso loKhuselo loSahlulo soThathane: Yintoni eyenzekayo xa iqabane elishiyekileyo lishiywe yonke into ngokuyithandayo Ngaba uya kuthi emva koko uza kutshata ngaphandle kokungena kwisivumelwano esingenasiphelo? Emva koko i-asethi yokuqala ye-asethi iya kuba yintsholongwane kumabango omtshato omtsha xa umtshato wesibini uphela ekuqhawuleni umtshato. Oku kunokugwenywa ngokusebenzisa i-AB Trusts okanye i-ABC Trusts ngezizathu ezifanayo ukuba ezi zi thembile zibonelela ukukhuselwa kwe-asethi-ezi zinto zingenakuguqulwa kwaye aziqwalaselwe njengepropati eyakhelekileyo, ngoko ke impahla egcinwe kwithemba ayifanele ilawulwe ukwahlula kwiindawo zokuqhawula umtshato.

1. Ukugcina iiMpahla kwiNtsapho: Yintoni enye eyenzekayo xa iqabane elishiyekileyo lishiywe yonke into ngokuyithandayo Ngaba uya kuthi emva koko uza kutshata kwakhona ngaphandle kokungena kwisivumelwano esingenasiphelo? Emva koko umlingani ohlalayo ukhululekile ukwenza entsha Ndiyathanda Ngaba kunye neqabane elitsha kunye nokushiya konke kwiqabane elitsha kunokuba kubantwana bokuqala okanye abanye abaxhamliweyo. Oku kunokugwenywa ngokusetyenziswa kwe-AB Trusts okanye i-ABC Trusts ekubeni ezi zithemba zingabhalwa ukuba zinyamekele iqabane eliseleyo ngexesha lokuphila kwakhe kodwa kunye nokukhusela inqununu ngenzuzo yabantwana bomntu oshonile okanye abanye abaxhamliweyo emva iqabane elihlala lifa. Oku kubaluleke ngakumbi xa iqabane ngalinye linomlinganiselo ohlukileyo lwabaxhamli bokugqibela.

1. Isicwangciso soRhafu sezindlu: Ngubani owaziyo okuza kwenzeka nge-taxeral tax tax kunye nale ngcamango entsha "yokuphatheka"? Nangona i- feraleral estate exemption tax exemption okwangoku ihleli kwi-$ 5.25 yezigidi, iCongress ihlala ifuna iindlela zokuphakamisa imali kunye nokurhoxiswa kwefa lomntu oshonile kunokunyamezela abanye kunokunyusa ukuhlala. Into enhle ngokusebenzisa u-AB Trust okanye u-ABC ukucwangcisa ukucwangciswa kukuba iB Trust ayinakuze ibe phantsi kweerhafu zeempahla emva kokuba umlingane ohlala esweleyo kungakhathaliseki ukuba yintoni ukuxolelwa kwentlawulo yerhafu ngexesha okanye ukuba ngaba ukukhutshwa kwesixokelelo kuya kufumaneka. Ngaloo ndlela, i-B Trust iyisisombululo esibalulekileyo sokucwangcisa ukutshintsha kwexesha elizayo kwi-federal kunye nemithetho yerhafu yelizwe.
2. Uphuhliso-Uphuhliso lokuSasa: Nangona i-exemption tax exemption taxation okwamanje "iphathekayo" phakathi kwezibini ezitshatileyo, ukukhululwa kwentela yokudlulisa irhafu kungekhona. Ngaloo ndlela, ukuze imibhangqwana esatshatileyo ikhulise ukusetyenziswa kwezihlomelo zokurhumela irhafu, i-AB Trust okanye icebo le-ABC Trust liyadingeka. Oku kuya kubaluleke ngokukhethekileyo kwisibini esinezibonelelo ezingaphezu kwe-5.25 yezigidi zeerhafu ezikhutshwe kwi-federal property tax exemption. Ukusebenzisa u-AB Trust okanye u-ABC ukucwangcisa ukucwangcisa kuya kuvumela eso sibini ukuba sidlule isixa esilingana namaxesha aphindwe kabini ukukhululwa kwerhafu yokufuduka kweentlawulo ezivela kwisizukulwana kuba kungekho naluphi na ukucwangcisa umlingane osasalayo uya kugqithiselwa ukudlula kuphela i-$ 5.25 yezigidi nge -trust-skipping trust .

QAPHELA: Imimiselo yelizwe kunye neendawo zitshintsha rhoqo kwaye ulwazi olulandelayo alukwazi ukubonisa utshintsho lwangoku. Ukufumana irhafu yangoku okanye isiluleko sezomthetho, nceda uqhagamshelane nomgcini-akhawunti okanye igqwetha kuba ulwazi olukule nqaku alukho irhafu okanye isiluleko sezomthetho kwaye asinalo indawo yerhafu okanye isiluleko somthetho.