Yintoni Inokuthi Inokholo Olukhuselekileyo Ngaba Ngaba Akunakwenzeka?
Umbuzo oqhelekileyo ummeli wezocwangciso zezindlu uceliwe, ngabaxhasi, "Ndiyifumanisa njani ukuba ndifuna i-trust instead of a right will?" Abantu abaninzi bacinga ukuba iiNkcazo zokuPhila eziPhephekileyo ziphela ngabantu abacebileyo, kodwa iingenelo abanokuzinikela kumntu onobuncwane obuncinci zibalulekileyo. Nazi ezinye izinto oza kuziqwalasela xa usenza isigqibo sokuba ufuna i-Revocable Living Trust esikhundleni sokuthanda.
I-Wills ye-Wills kunye ne-Trusts-Ukucwangcisa ukukhubazeka kwengqondo
02 Iinqwelo kunye neTrasti - Ukucwangcisa abaxhamli abancinci
Ngokuqhelekileyo i-aseset yabazali abancinci banayo i-inshorensi yobomi okanye i-akhawunti yomhlala phantsi ( iRA okanye 401 (k) ngomsebenzi). Kuba ngumngeni ukuba abazali abatsha baqhawule umtshato kwaye omnye wabazali bafuna ukubiza abantwana abancinci njengabaxhamli abaziintloko okanye ukuba abazali bobabili bafa ngoxa abantwana besengabantwana. Yintoni eya kwenzeka kwi-inshorensi yobomi okanye i-akhawunti yomhlalaphantsi? Ezi mali ziza kufakwa kumgcini ogcinwe yinkantolo ukuze inzuzo encinane ibe yinto encinci kumntwana ade afinyelele ku-18. Ngaloo ndlela, ngabazali bafanele baqwalasele ukuseka i-Revocable Living Trust kunye nokuqamba i-trust njenge-primary or benefentary i- inshurensi yobomi okanye i- akhawunti yomhlalaphantsi . Ngaloo ndlela iTrasti iya kuba nokwamkela iimali endaweni yomgcini ogcinwe yinkantolo. Kwakhona, umzali unokunyanzelisa xa athe abantwana baya kufumana ifa labo, njengeminyaka engama-25 okanye i-30 endaweni ye-18.
03 i-Wills vs. Trusts - Ukucwangcisa ama-Singles
Nabani na ongatshatanga kwaye unempahla ebizwa ngegama lawo kuphela kufuneka aqwalasele i-Revocable Living Trust. Izizathu ezibini eziphambili kukugcina wena kunye nezinto zakho kwi-supervised supervision court kunye nokuvumela abaxhamli bakho ukuba bagweme iindleko kunye neengxaki zeengxaki . Ubuncinane bokubaluleka okufunekayo kumntu oyedwa ukuba acinge ngokusebenzisa i-Revocable Living Trust iya kuhluka ukusuka kummandla ukuya kwimeko. Ngokomzekelo, kwiipropati zaseFlorida ezixabiswa kwii-75,000 zama-dollar okanye ngaphantsi zibhekwa njengancinci ngokwaneleyo ukuba zilawulwe ngesishwankathelo esilula. Ukuba ixabiso leempahla zakho liphezu kwinqanaba elincinci kwimeko yakho, ke kufuneka kubekho ukusetyenziswa ngokusemthethweni, okuchithwa ixesha kunye neendleko zolawulo.
04 Iingqungquthela kunye neTrasti - Isicwangciso soThutho seSakhiwo seZibini ezitshatileyo
Ukuba utshatile, kwaye iziqalo zakho kunye neqabane lakho lidlula ukuxolelwa kwerhafu ye - federal estate (i-$ 5.34 yezigidi ngonyaka wama-2014) okanye ukuxolelwa kwerhafu yelizwe lakho (okungaba ngaphantsi kwe-675,000 zamawaka), ngoko kufuneka uqikelele ukuseka iiNkcazo zokuPhila eziPhephekayo. ukuba basebenzise amathuba omtshato womtshato kunye neentlawulo zomhlaba . Oku kufezekiswe ngokusekwa kwi- AB Trusts okanye kwi- ABC Trusts kwaye ke ukwahlula ifa lakho ngokulinganayo kwizabelo ezilinganayo phakathi kweenkolelo ezimbini (ngelixa umgaqo omtsha woku " ukuphatheka " kuya kukuvumela wena kunye neqabane lakho ukuba nilusebenzise ukukhululwa kweerhafu zomhlaba , I-Hawaii okwangoku kuphela yombuso onika ukuphatheka). Uya kufuneka kwakhona ukuba wenze olu hlobo lokucwangcisa ukwandisa ukusetyenziswa kokutshatyalaliswa kweentlawulo zentlawulo zomtshato (isibini singenakufezwa ngokuphathekayo). Kwakhona qaphela ukuba nangona lolu hlobo lwenkqubo yerhafu lunokwenziwa kwintando yakho, wena kunye neqabane lakho kuya kufuneka nihlule iifa lakho ngamagama ahlukeneyo, apho i-asethi iyakufuneka ixatyathwe emva kokuba elinye iqabane lifa. Ukusetyenziswa kweziThuthi zokuHlala eziPhephekileyo kukuqinisekisa ukuba ingxaki ingagwenywa emva kokufa komlingane.
05 Iintlanzi kunye neTrasti - Ukucwangcisa Ababini kwiMitshato yesiBini okanye kamva
Ukuba unomtshato wesibini okanye kamva kwaye wena kunye nomlingane wakho niza kuba nabaxhamli abahlukeneyo njengabantwana benu okanye abazukulu, ngoko kufuneka uqikelele ukuseka iiNkcazo zokuHlala eziKhuselekileyo ukuqinisekisa ukuba ifa lomyeni ngamnye liya kuhamba apho ufuna ngaphandle kwenkqubo yovavanyo.
06 Wills vs. Trusts - Ukugcina Isicwangciso Sakho Sokuzimelela
Intando yokugqibela kunye nesigqibo esifakwe kwinkantolo ye-probate iba irekhodi yenkundla kawonkewonke enoba ubani uyakwazi ukufunda (umzekelo, unokubona oko kuViweyo kunye neTestamente ye-actor uJames Gandolfini uthe kwaye uyibheke ikopi yalo apha ). Qhathanisa oku kunye ne- Revocable Living Trust , esiyimvumelwano yangasese phakathi kwakho njengoTrustmaker kunye nawe njengeTrasti. Ngaphandle kokuba abaxhamli bakho bafanele baye enkundleni malunga nento ebhaliweyo kwisivumelwano sakho sokuThatheka kweMpilo (njengoMnu Jackson Jackson ), ke umqulu kufuneka ube ngumqulu wabucala kuphela ootitshala kunye nabaxhamli abathile baya kukwazi ukufunda emva kokukhubazeka okanye ukufa kwakho.
07 Iinqwelo kunye neTrasti - UkuCwangciswa kweMpahla yeeMpahla eziNdawo ezikuMmandla woRhulumente wakho
Ukuba ungumnikazi weendawo ezingaphezulu kwelizwe elinye, kuya kufuneka uqinisekise ukuKhuselwa kweMpilo eLawulayo kunye nokusebenza kwipropati yombuso kwi-trust. Ngaphandle koko, intsapho yakho inokujamelana neendawo ezimbini ezihlukeneyo zovavanyo- enye kwindawo apho uhlala khona, kwaye okwesibini kwimeko apho i-real estate yakho ikhona, ekubhekiswa kuyo ngokuthi "i- probingary probate ".