Ukufa Ngaphandle Kokuthanda Kuya kuthetha Ukuxhomekeka KwiMithetho Ye-Intestate Succession
Uvuyo ucele! Masihambe kwi-overview jikelele ukuze uhambe ngokuqonda okungcono inkqubo. Impendulo emfutshane: Kuxhomekeka. Ngaphambi kokuba singene kwiinkcukacha ezithile, kufuneka sikhulume ngento ethiwa "ukulandelana kwamathambo".
Ukuba Awuyi Kuya Kuthanda Xa Ufa, Impahla Yakho Inokuthi ixhomekeke kwimithetho ye-intestate Succession
Njengoko kuqhelekileyo ukuba abantu bafe ngaphandle kokuthanda, ama-legislatures angama-50 aseUnited States adlulisele imithetho yawo ekulawuleni indlela ipropati, kuquka utyalo-mali, ilifa; ulawulo, isabelo, kunye nokuhlelwa. Umbuso ngamnye uyingqayizivele, oku kuthetha ukuba umphumo uyahlukahluka ngokuxhomekeke ekubeni ngaba uhlala e-Alabama okanye eNew York, Colorado okanye eMichigan. Kwimeko yam yaseMissouri yasekhaya, ekufeni komntu ongashiyi ngasemva intando, oko kuthiwa "imithetho yokuzalwa" iyasebenza. Zifumaneka kwiCandelo 474.010.1 yeeNkcazo eziMiselweyo eMissouri.
Into enokuthi ithathe ixesha elithile, mhlawumbi iminyaka, ekubeni ifa lifanele liphumelele kodwa i-inkundla iya kulandelwa xa kukwahlula impahla:
- Ukuba umntu odlulileyo ("ohloniphekileyo") akanalo abantwana, iqabane lizuza i-100% yelifa.
- Ukuba i-decedent inabantwana, iqabane lizuze i-$ 20,000 yokuqala yelifa kwaye emva koko i-50% ye-balance balance kunye nabantwana bahlula ama-50% asele.
- Ukuba iqabane lifile okanye i-decedent ayingatshatanga, abantwana (okanye ukuba bafe, abantwana babo) bazuze ifa elipheleleyo kwiindawo ezilinganayo.
- Ukuba akukho mlingane okanye abantwana, i-estate decedent yahlula ngokulinganayo phakathi koyise, unina, abazalwana kunye noodade, okanye inzala yabo kwiindawo ezilinganayo.
- Ukuba akukho mlingane okanye abantwana, abantakwabo okanye abazali, i-estate decedent yahlula ngokulinganayo phakathi koomkhulu, oogogo, oomama, kunye noonyana babo inxalenye.
Iyaqhubeka kwaye ifike kwindawo ekude ujongane ngayo neengxaki ezikude ezingaba bhetele kwiSkripthi saseDowntown script kunye nefa elizuzwe ngamazala omibini alahlekile kabini esususwe kodwa ngaphaya kwendawo, ipropati eshiywe ngasemva ngaphandle kwenjongo "iyahlolwa "kwilizwe. Oku kuthetha ukuba yonke into iyabuyela kuluntu ngendlela yokubamba i-state, eya kuyisebenzisa kubhajethi yayo jikelele ukuhlawula izinto ezifana neendlela kunye nemfundo.
Ngelishwa, imigaqo yokulandelana kwamathambo ngamanye amaxesha kungakhokelela kwiziphumo ezingenakulungelelaniso kulabo abathi, ngokubonelelwa ngeemeko ezithile ebomini bakho, ubuya kufuna ukuzuza inzala yakho mali kunye nepropati (yenye yezona zizathu omele uhlale unakho ukuthanda).
Ngokomzekelo, kwamanye amazwe, ukuvela kwi-suit suit yokufa ehlawulwa ngokwemiqathango yenzalo ephumelelayo kungakhathaliseki ukuba kunokuthanda okanye akunjalo! Ezinye iindawo zinelifa leemisebenzi ezingenangqiqo ukuthetha ubuncinci. Cinga ngeAlabama. Kulapho, ukuba umntu otshatileyo engenabantwana kwaye abafa ngaphandle kwentando, iqabane lomntu lifa i-$ 100,000 yokuqala yelifa emva kweyiphi idiza kufuneka iqabane lihambe kunye nesiqingatha ukuya kubazali bomntu ofileyo . Oku kuyinyaniso nokuba ngaba umzali wayexhaphaza, umntwana (omdala) owanqumla ebomini bakhe, kwaye wabatsho ngokucacileyo.
Nangona Awuyi Kuyeka Intando, Iimpahla ezithile kunye neAkhawunti ziza kuDlulela kwiMithetho yeNtengo yokuThuthukiswa kweNdlela kunye neProbate
Enye indlela ongayifumana ngayo ukungabikho kwentando okanye imithetho yokulandelana kwempahla yintsimi yintsika ngeendlela ezigqithisa zonke izinto.
Makhe sicinge ukuba ubamba ama-dollar ayi-500,000 e- blue-stock stocks kwi- akhawunti ye-brokerage ehlawuliswayo ebizwa ngokuthi "ngabaqeshi abadibaniseneyo" (ukuba utshatile kwaye urhulumente wakho uvumela ukuba abatshatileyo benze oku). Okanye, mhlawumbi, uyibhala njengento edibeneyo kunye nelungelo lokusinda, ukubeka umntakwabo oyithandayo kwi-akhawunti. Nangona kunjalo, mhlawumbi usebenzisa "ukuhlawulelwa ekufeni" udade wakho, owamxhasa ngenkxaso enqabileyo. Xa usweleka, akunakucingela ukuba unayo intando echaza into eyahlukileyo kunesihloko kuba uqobo lwalo luya kuthatyathwa ngokubhekiselele kwizinto eziphathekayo! Oku kunokuba yinto emangalisayo ngokukhawuleza kwefa kunye nokulula. Enyanisweni, unokukwazi ukuyisebenzisa ngenxa yokuba ukuhlawulwa kwiimpawu zokufa kukuvumela ukuba ukwandise imimiselo ye-inshurensi yakho ye-FDIC kwizigidi zeedola xa ukwenza ngokuchanekileyo .
Ukuphazamiseka kwayo yonke into kukuba abantu ngezinye iinkcukacha banokulibala ukuhlaziywa kwamaphepha abo okanye ukuhluleka ukwenza ukuhlaziywa ngezihlandlo zeerekhodi zeakhawunti zabo ukuqinisekisa ukuba akukho nto ishintshile. Kuvakala ngathi into encinci kodwa ubomi buye betshatyalaliswa ngokwezimali. Umzekelo, ukuba ubeka i-401 (k) emashumi eminyaka edluleyo xa usatshatile umyeni wakho wokuqala okanye umfazi ongekho nabantwana naye, kwaye emva koko waqhawula umtshato waza washada naye kumlingane onabantwana naye, kodwa akazange uhlaziye ifomu lokufumana umhlala phantsi kwisicwangciso sakho sokuthatha umhlala phantsi, xa usweleka, umlingane ohlala naye ufumana yonke into nokuba awuzange uyibone okanye ayivale kuye kwiminyaka. Uphumelele ekutshatyalaliseni intsapho yakho kunye neziqhamo zomsebenzi wakho ukuya kumntu ongekho ebomini bakho. (Oku kukhathazeka ngakumbi xa i-401 (k) kunye nabalawuli be-IRA bahlaziya imigaqo yephepha ngaphakathi, nokuba ngaba banikezela isaziso kubathengi. I-Vanguard iguqulwe abaxhamli kwizinto ezifana ne-100,000+ akhawunti ukwenza lula iinkqubo zayo. kodwa i-statistical inevivinywa yokuba umntu, okanye ezininzi zezinye, uya kulahla ifa lakhe njengesiphumo nangona umtyalomali engazange enze okanye afune ukuba kwenzeke.)
Kuyafana nabaxhamli kwizinye iimveliso zemali kunye neenkontileka ezifana ne-inshorensi yobomi kunye nezibonelelo. Ingaba okanye ungafi ngaphandle kwentando, abaxhamli bebhaliweyo kwi-akhawunti, kuquka i-akhawunti yomhlala phantsi, baqala phambili ngaphezu komntu wonke. Ngokuqhelekileyo, kuya kubakho iiklasi ezimbini zabaxhamli: abaxhamli beprayimari kunye nabaxhamli. Ngokuqhelekileyo, abaxhamli abaziintloko bazuza njengeklasi kwaye kuphela xa bonke befile ngeli xesha uya kudlula baya kuba nelungelo lokufumana umxhesho we-pie.
Umzekeliso unokunceda. Khawucinge ukuba sininzi, iminyaka emininzi kwixesha elizayo kwaye ungumhlolokazi okanye umhlolokazi. Unayo i-$ 1,000,000 kwiRoth IRA oyakhayo ngaphezu kwamashumi eminyaka. Unayo i-akhawunti egcinwe esitokisini kuCharles Schwab, uMerrill Lynch, iNorthern Trust, okanye elinye iqumrhu elifanelekileyo. Uluhlu lwabantwana bakho abathathu njengabaxhamli bakho abaziintloko. Ubala abazukulwana bakho abahlanu njengabaxhamli bakho. Qhubeka ucinga ukuba, xa usudlula, omnye wabantwana bakho sele sele efile, efile iminyaka embalwa ngaphambili. Oku kuthetha ukuba kukho ababini abaxhamli bezona zibonelelo. Ngoku baya kuzuza i-1/2 ye-IRA ngaphezu kwe-1/3 kunye nabaxhamli (abazukulu) abaza kuzuza nantoni na kubakho banamalungelo okuqala phambi kwabo kumgca wokuhlawula.
Ngenye indlela, unako ukubeka isihloko sakho kwipropati egameni lokuthembela kokuphila okuphazamisayo , okuyiyo, xa yenziwe ngokuchanekileyo, ihamba nayo ingxaki. Iimpahla ezigcinwe ngolu hlobo, nangona ufe ngaphandle kwentando, ziphathwa ngutrasti , njengesebe lokuthembela kwebhanki , njengoko kunikwe kwisixhobo sokumthemba.