I-ILIT inokukunceda ukuba ugweme iintlawulo zerhafu
Enye indlela yokwenza i- inshorensi ye-inshorensi yobomi engaguqukiyo, eyaziwa njenge-ILIT, ukuba ithathe ubunini bomgaqo-nkqubo.
Yintoni i-ILIT?
I-ILIT uhlobo lokholo lokuphila olusekelwe ngokukhethekileyo ukuba lube ngumgaqo-nkqubo we-inshorensi yobomi. Unokudlulisa ubunini bomgaqo-nkqubo okhoyo kwi-ILIT emva kokuba yenziwe, okanye i-trust ingathenga ipolisi ngqo.
Kodwa awukwazi ukukhonza njengomphathiswa wethemba, nangona kunjalo. Ithemba kufuneka liguquke, oko kuthetha ukuba kufuneka "uxhaswe", ubeke umgaqo-nkqubo ube ngumnini wawo, kwaye unyuke. Kumele ulahleke nayiphi na ilungelo lokwenza utshintsho kwi-trust okanye ukuyichitha.
Ukusebenza njengotrasti kunokukunika into ebizwa ngokuthi "iziganeko zobunini," ukuvumela ukuba ugcine ukulawula umgaqo-nkqubo. Kodwa iqabane lakho, abantwana bakho abadala, umhlobo okanye nakwiziko lemali okanye igqwetha linokusebenza njengomprasti kuwe. Ungabiza nabani na oyithandayo xa wenza ifoni.
Ziziphi Iimeko Zobunini?
Ukuba unomgaqo-nkqubo kwaye ugcine ulawulo lwalo, unako ukurhoxisa ixabiso lemali okanye utshintshe abaxhamli babo kunoma ngantoni na ngexesha lokuphila kwakho.
Oku kwenza ukuba ibe yimpahla yakho ukuze i-IRS kunye nababingeleli abathile abatyhafayo bahlawule ngoko ke baya kuquka imveliso yomgaqo-mali kwixabiso lakho.
Ukuba le mali iyabonakala ngokwaneleyo, oku kungenza ukuba indawo yakho ibe yingozi kwiirhafu zefa. Yiyo loo nto ukuba umnini-mali ungumxhamli womgaqo-nkqubo, kodwa umgaqo-nkqubo wawuya kuba ngumhlaba wefa lakho xa ufa nangona utsho igama lonyana wakho, intombi, umlingane okanye omnye umntu umxhamli.
Imirhumo yezindlu
Umrhumo werhafu wezindlu uphezulu kakhulu ngowama-2018: i-11.18 yezigidi ngezigidi. Iziza kufuneka zihlawule irhafu kwiimilinganiselo zazo ngaphezu kwesi sixa.
Ukuba uqiniseke ubomi bakho nge-$ 5 yezigidi kunye nezinye iimpahla zakho zixabisa ngaphezu kwe-6.18 yezigidi ngezigidi zokufa kwakho, uya kudlulela lo mxolelo. Ifa lakho-nangaphezulu, iindlalifa zakho-ziza kuhlawulwa irhafu yerhafu nayiphi na ixabiso ngaphezu kwe-11.18 yezigidi zemali.
Iindawo ezixabisekileyo kuphela ezimele zixhalale ngeerhafu zomhlaba zerhafu, kodwa ezinye zithi nazo zibeka iintlawulo zerhafu ezinomyinge ophantsi. Ukuba ukukhululwa kwakho kwimeko ye-$ 1 yezigidi, ukulinganiswa kokufa komgaqo-nkqubo yakho kunye nexabiso lefa lakho kunokulifaka lula kwibala elithengiswayo.
Ngoobani Abaxhamli be-ILIT?
I-ILIT isetyenziswa ngokuqhelekileyo njengenzuzo yomgaqo-nkqubo we-inshorensi. Izinzuzo zokufa zifakwe kwi-ILIT xa usweleka kwaye zigcinwe kwithemba lokuxhamla abantu obachazele kumaphepha akho athemba ukuba ufumane imali.
Ukuba imali ethe yaqhutyelwa kwithemba lokufumana inzuzo yeqabane lakho, iya kufumana iintlawulo ezongezelelweyo rhoqo kunokuba isibonelelo semali. Abayi kuhlawulwa irhafu njengenxalenye yesigwebo sakhe sokugqibela njengoko babeya kuyenza ukuba imali leyo eyayihamba ngqo ngqo kuye ekuthatyeni imali yayingagcinwanga ngexesha lokufa kwakhe.
Iingxaki ezinokwenzeka
Ukuba usweleka kwiminyaka emithathu edlulisela umgaqo-nkqubo wakho womshuwalense kwi-ILIT yakho, i-IRS iya kufaka imali kwi-estate yakho injongo yeerhafu. Unokukuphepha okokuba uthembele ekuthengeni umgaqo-nkqubo ebomini bakho, ke uxhase imali yokubambisa ngemali eyaneleyo kwiminyaka ukuhlawula iiprayimari.
Iintlawulo zemivuzo nazo zinokuqwalaselwa ngenxa yokuba unikezela ngokuqinisekileyo imali yokuhlawula umgaqo-nkqubo ngamnye ngonyaka, kodwa oku kuphepheka, kwakhona.
I-trustee yakho inokuthumela abaxhamli bakho abathembekileyo into ebizwa ngokuba yi-"Crummey" ileta nganye ngexesha uthumela imali kwi-trust. Le leta iya kubacebisa ukuba banokucela isabelo sabo semali ngexesha elithile. Ngethuba nje ukuba banelungelo elikhawulezayo kwimali, irhafu yesipho ayifuni.
Ngokuqinisekileyo, imali oyibekayo ithemba ayifanelekanga xa kuthelekiswa nempumelelo yomgaqo-nkqubo wakho, ngokukodwa ukuba iyahlula phakathi kwabaxhamli abaninzi. Ukuba bathabatha imali ngoku, ama-premiums aya kuhlawulelwa kwaye umgaqo-nkqubo uya kuphelelwa.
Oku kubakho ukukhuthazwa okwaneleyo kubaxhamli ukushiya imali kunye nethemba ukuze ihlawule umgaqo-nkqubo.
Ukususa iTrust
Ngokuqhelekileyo awukwazi ukurhoxisa ithemba elingenakutshintsho emva kokuba uyibeke. Kodwa ngenxa yokuba iiprayimari eziqhubekayo kufuneka zihlawulwe ukuze kugcinwe ipolisi yomshuwalense wobomi ngokusemthethweni, konke okufuneka uyenze ukukhansela ukuthembela kuyeka ukuhlawula iintlawulo zama-premium. Ithemba liza kuba yisitya esingenanto xa umgaqo-nkqubo uphela.