Ubunikazi beZakhiwo, Ubunikazi bomntu ngamnye, Ubunini obudibeneyo kunye neSihloko ngeContrakthi
Ubunikazi bomntu ngamnye
Ubunikazi bomntu ngamnye bubhekiselele kwipropati ephantsi kwegama lakho elilodwa ngaphandle kobanye abanikazi okanye abaqeshwe abaxhamliweyo. Emva kokufa kwakho, ipropati ebizwa ngegama lakho liza ku funeka liphumelele kwi- probate ukuze likhuphe igama lakho kunye namagama abathandekayo bakho.
Ubunini boBumbiswano
- Indawo yokuhlala kunye nelungelo lokusinda - Ngalo hlobo lobunikazi, bonke abanini banalo ilungelo elilinganayo kwipropati. Ngamanye amagama, nayiphi na umnini unako ukurhoxisa imali kwi-akhawunti ngaphandle kolwazi okanye imvume yabanye abanini. Nangona kunjalo, kunye neendawo eziphathekayo, kwiindawo ezininzi, ipropati ayikwazi ukuthengiswa okanye ukuhlawulwa kwemali ngaphandle kwemvume yabo bonke abanini. Xa omnye umnxusa efa, ubunini bepropati bawela ngokuzenzekelayo kubahlali abahlangeneyo ngaphandle kokufunwa. Ngokuqhelekileyo, konke oomnini abasasalayo kuya kufuneka bakwenze ukuvelisa isatifikethi sokufa okanye irekodi enye kwiirekhodi zomhlaba ezifanelekileyo ukuze kuqinisekiswe ubunini bepropati. Isityhilwa njengeJTWROS okanye i-JT TEN.
- Ukuqeshiswa ngokubanzi - Olu luhlobo lobunikazi obumanyeneyo kunye namalungelo okusinda ebonakalayo kwamanye amazwe kwaye anokuphela kuphela phakathi kwendoda nomfazi. Umntu okanye umlingane unokurhoxisa imali kwi-akhawunti ngaphandle kolwazi okanye imvume yomnye umlingane. Nangona kunjalo, nge-estate, kwiindawo ezininzi, ipropati ayikwazi ukuthengiswa okanye ukugujwa ngaphandle kwemvume yomtshato womtshato. Xa elinye iqabane lifa, ubunini bepropati bahamba ngokuzenzekelayo beza kumlingane osaphila ngaphandle kwesidingo sokungqinisisa. Ngokuqhelekileyo, konke okufunekayo kumlingane oza kusenza kuvelisa isatifikethi sokufa okanye irekodi enye kwiirekhodi zomhlaba ezifanelekileyo ukuze kuqinisekiswe ubunini bepropati. Isifinyezo njengeTBE.
- Ipropati yoluntu - Olu luhlobo lobunikazi obambiseneyo oboniswa kwamanye amazwe kwaye lukhona kuphela phakathi kwendoda nomfazi. Amalungelo obunini bomlingani kwipropati yoluntu isetyenziswe yimimiselo ethile karhulumente.
- Ukuxhaswa ngokufanayo - Ngalo hlobo lobunini obambene, ngamnye "umqeshi oqhelekileyo" unomlinganiselo othile wepropati kwaye unokurhoxisa, ukuthenga imali okanye ukuthengisa isahlulo sakhe sendawo. Xa umqeshi efa ngokufanayo, isabelo sakhe sepropati sidlulela kubaxhamli bakhe kwaye kungabikho abaqeshi abasaphilayo. Iifomfayile njengeTIC okanye TEN COM.
Isihloko ngeKontrakthi
Isihloko seKontraki sihlawulela ekuhlawuleni ekufeni (i-POD) , ukudluliselwa kwi- akhawunti ye- death (TOD) kunye nezenzo, kwi-akhawunti ye-trust (okanye i-ITF), i-Totten trusts, i-inshorensi yobomi, i-akhawunti yomhlalaphantsi kuquka i-IRA kunye ne-401 (k), i-annuities, ubomi Iziqithi, kunye neeNkxaso zokuPhepha eziPhezulu .
Umnikazi wepropati ulawulo olupheleleyo ngexesha lobomi (ngaphandle kweendawo zokuphila - khangela umgaqo-nkqubo osebenzayo), kodwa emva kokufa, loo propati idlula ngaphandle kweengxaki kubaxhamli abakhethwe ngumnini. Ngokubanzi, umxhamli uya kufuna ukuvelisa isatifikethi sokufa okanye irekodi enye kwiirekhodi zomhlaba ezifanelekileyo ukwenzela ukuba athathe umnikazi wepropati.