Ubunikazi obudibeneyo buvela kwiifom ezintathu: ngamalungelo okusinda , njengepropati yoluntu , kunye nabaqeshi abafanayo .
Indawo yokuHlanganisa kunye namaLungelo okuPhucula
Abaqeshi abadibeneyo abanamalungelo okulondolozwa, ngokuphindaphindiweyo abafakwe kwiingxelo ze-akhawunti njenge "JTWROS," kuthetha ukuba ukuba ngaba abanini okanye abanini abanini kwifa kunye nomnini omnye uyafa, lowo umniniyo okanye abanikazi abasalayo baya kuqhubeka bephethe i-asethi kunye nefa kunye Iindlalifa zomthetho womnini ofileyo azakufumana nto nto.
Zonke izinto abanikazi abasaphilayo baya kufuneka benze ukususa igama lomnini-fileyo kwi-asethi ukubonisa isatifikethi sokufa okanye ukurekhoda isenzo esitsha esichaza ukuba omnye wabaqeshi abadibeneyo ufile.
Ukuqeshiswa yiNkxaso
Udidi olukhethekileyo lokuhlala ngokubambisana kunye namalungelo okusinda okubonakaliswa phakathi kwezibini ezitshatileyo kwezinye iindibano zibizwa ngokuba ngabaqeshi ngokubanzi, esicacisiwe njenge "TBE." Ngaphandle kokuphepha ukuvavanya , lolu hlobo lobunini lubalulekile ekucwangcisweni kweempahla kwiindawo apho kubonakala khona.
KwiLungelo loLuntu
Ipropati yoluntu yinto ekhethekileyo yobunini obambiseneyo obonwayo phakathi kwezibini ezitshatileyo ezilishumi elithoba: i-Arizona, iCalifornia, iIdaho, eLouisana, i-Nevada, iNew Mexico, iTexas, iWashington, neWisconsin. E-Alaska, iibini ezitshatileyo zingakhetha ukuba ezinye okanye zonke iipropati zabo ziphathwe njengepropati yoluntu ngokubhekiselele kwisivumelwano esibhaliweyo.
Yintoni eyenzekayo kwipropati yoluntu xa elinye iqabane lifa?
Oku kuya kuxhomekeka ekubeni ingaba eso sibini senze icebo lezinto. Ukuba akukho sakhiwo sezindlu, umthetho we- intestacy welizwe lawo uya kutyhola apho uluntu luya khona. Ukuba kukho isicwangciso sezindlu, imimiselo yesicwangciso sefa iya kugqithisa umthetho welizwe kunye nepropati yoluntu iya kuhamba ngqo apho abafazi bafuna ukuba khona.
UkuSondeza kwiSivumelwano
Ukuba loo propati ibanjwe ngabantu ababini okanye ngaphezulu njengabaqeshi abaqhelekileyo, umnini ngamnye uya kubamba ipesenti yomdla wobunini kwipropati. Olu hlobo lobunikazi lubonakaliswe njenge "TIC." Iipesenti akumele zilingane kwaye zichongiwe ukuba umnikazi ngamnye uncedisa njani ukuthengwa kwepropati.
Umzekelo, ukuba isiqwenga se-propati sibiza i-$ 100,000 kwaye umnini-mali ugalela i-$ 70,000 kunye nomnini-B unika i-$ 30,000, ngoko umnini-A uza kubamba inzala engama-70% njengomqeshi ngokufanayo kwaye umnini-B uya kubamba inzala engama-30% njengomqeshi oqhelekileyo . Xa umninimzi A efa kamva, umdla wakhe oya ku-70% uza kudlulela kuye nawuphi na owamkhethayo ngeNtshukumo yakhe yokugqibela kunye neTestamente okanye iTrust Resistable Living , okanye kwiindlalifa zakhe zomthetho ukuba akanalo isicwangciso sezinto.
Umnini-B, nangona kunjalo, akayi kuba nelungelo lokufumana nayiphi na inxalenye ye-A ye-70% inzala (ngaphandle kokuba umnini-b ubizwa ngokuba ngu-A Wokugqibela okanye uya kuKhuselwa kwi-A ). Ukongezelela, ukuba i-70% yemithwalo yemali ibizwa ngegama lakhe ngabanye njengomqeshi oqhelekileyo kwaye kungekhona egameni lakhe lokuKhuselwa kweLizwe eliPhephekileyo ngexesha lokufa kwakhe, ngoko-ke i-A% ye-70% inomdla iyakufuneka iphendulwe.