Ukuphononongwa kweSicwangciso seMpahla esele ikhona - Iiphambeko eziPhambili kunye nendlela yokuziphepha
Ikhonkco # 1 - Iimiphumo zomntu kwi-Your Pour Out Over Will
Ukuthetha ngezobugcisa, iimpembelelo zomntu siqu, ezifana nobucwebe, ubugcisa, kunye neziqokelelwane, ezazisasazwa kwiNtshukumo yokugqibela kunye neTestamente , kuquka ne- Out Over Over Will , kufuneka ihlolwe.
Enyanisweni, ke, ezi zinto zivame ukushabalala kwi "kuqala kuza kuqala," kuqala, ngaphambi kokuba nayiphina indawo yokuhlala okanye i-trust settlement kunye nommeli uqala. Kodwa ukuba kukho nayiphi na ingxabano phakathi kwabaxhamli bakho malunga nemiphumela yakho kwaye ukuhanjiswa kwale propati kuluhlu kwiNtshukumo Yakho yokugqibela kunye neTestamente, ngoko umgwebi weengxaki uya kufuneka axazulule le ngxabano emva kokuba ukufunwa kwakho kuye kwamkelwa. Ukuba zonke ezinye ipropati yakho ixhaswe ngokufanelekileyo kwi- Trust Your Revocable Living Trust , ke oko kunokutshatyalalisa enye yeenjongo eziphambili zokuthembela kwakho - ukuphepha ukuvavanya! Endaweni yoko, yenza imali yakho kwimpembelelo yakho kwi-Your Revocable Living Trust kwaye uchaze ukuba ubani omele athathe le propati, kwaye unike i-Successor Trustee ingqiqo epheleleyo ukulungisa nayiphi na ingavumelani phakathi kwabaxhamli bakho. Oku kufuneka kugcine i-trust your beneficiaries kwi-court court.
Ikhonkco # 2 - Ukushiya Imiphumo Yakho Yomntu Njengabaxhamli bakho
Iziphumo zomntu siqu, kubandakanywa ubucwebe, ubugcisa, kunye neziqokelelo, kaninzi kunzima ukuzixabisa, kungabikho ukwahlula "ngokulinganayo." Ndakhe ndafumana umthengi olwa nomntakwabo iminyaka emalunga nantathu malunga nendlela yokwahlula "izinto" ezishiywe kwindlu yomama ngenxa yokuba uMama uya kuthetha ukuba izinto zakhe kufuneka zihlulwe ngokulinganayo.
Izinto ezifanelekileyo zixabisa malunga ne-5,000 zamaRandi, kodwa ke abazalwana basebenzisa imali engaphezu kwama-60,000 kwiimali zomthetho ngaphambi kokusombulula.
Umgca ophantsi kukuba imali kulula ukwahlula, kodwa "izinto" azikho. Ukuba i-Your Will okanye i-Revocable Living Trust ithi imiphumo yakho imele ihlukaniswe ngokulinganayo phakathi kwabaxhamli bakho, uze wenze isicwangciso semiphumela yakho.
Cela ummeli wakho wecebo lokuhlaziya ukuhlaziya ulwimi ukuba avumele abaxhamli bakho ukuba bahlule izinto njengoko bavumelanayo, kwaye ukuba abanako ukuvumelana, banikeze uMmeli wakho woMntu okanye iTrasti ephethe ngokupheleleyo igunya lokugqiba ukuba ngubani ofumanayo, athengise izinto kwaye ahlule imali, okanye nje ukunikela ngezinto kwizothando. Oku kufuneka kugcine abazalwana bakho bevela enkundleni.
Isicatshulwa # 3 - Izicwangciso zeMhlaba ngaphandle kweNkqubo yoThutho
Oku kwenzeka njalo: Iqabane elincinane linomntwana wokuqala kwaye lilungile phambi kwekhefu lokuqala elikhulu ngaphandle kwintsana yabo entsha isibini sinquma ukuba siyayifuna. Ngoko, bayaphuma baze bafumane enye yezocwangciso zepropati zokugqibela zeeholide. Oko baza kufumana ngokubhekiselele kuthiwa " Ndiyakuthanda Uya Kuya" - kushiya yonke into ngokucacileyo komnye kwaye emva koko ukuba abazali bobabili bafa ibhalansi baya kuba nethemba elincinane kwintsana yabo entsha kunye nawaphi na abantwana abazalwa emva koko. Olu hlobo lwesicwangciso alinaso ukucwangciswa kwentlawulo yendawo echaphazelekayo. Emva koko, iminyaka engamashumi amabini anesihlanu kamva, xa umntwana wabo omncinci ekugqibeleni ehamba ekholejini, badibana nam kwaye, banamahloni, bakhuphe iikopi zabo "Ndiyakuthanda."
Enye into edla ngokuphindaphindiweyo yeso sibini esinecebo elihle lobuncwane elibhalwe kwimeko yabo engenazo iintlawulo zerhafu kodwa ke ziya kutshintshela kwimeko entsha yokuhlala okanye i-tax visa.
Kwilizwe labo elitsha, icebo labo lezabelo aliyi kusebenza njengoko babenenjongo yokuba isicwangciso sabo saqulunqwa ukuba bahlawule iirhafu zezindlu zomhlaba kuphela, okanye isicwangciso sabo sasiqulunqwe ngokukodwa ukuba bahlawule iirhafu zombuso kunye ne-federal tax tax.
Ungavumeli ukuba oku kwenzeke kuwe. Qinisekisa ukuba uphuculo oluvela kwi-"I Love You Wills" kwisicwangciso esibandakanya ukucwangciswa kwe-AB nethemba, kwaye ukuba kuyimfuneko, ukucwangciswa kwentlawulo ye-estate estate kunye ne- ABC Trusts , ixesha elide ngaphambi kokuba umncinane wakho uye ekholeji. Yaye qiniseka ukuba ukuba uhamba kwiphondo elitsha isicwangciso sakho sepropati sihlaziywa ngummeli wecebo lolungelo lomhlaba kwiimeko zakho ezintsha, ngaphandle koko isicwangciso sakho asinakusebenza ngendlela oyifunayo.
Ikhonkco # 4 - Abafazi abatshatileyo njengama-Trustees aMaTrasti abo
Izibini ezitshatileyo njengeziTrasti zodwa zeeNdawo zokuHlaba eziPhephekayo zibeka ingxaki enkulu xa omnye umlingane ekhutshiswe ngengqondo kuba elinye iqabane aliyi kuba nelungelo lokufikelela kwiiakhawunti ezibizwa ngegama lomntu ongathintekiyo ohlala kwi-Revocable Living Trust.
Ngokuxhomekeke kwimigqaliselo yesivumelwano somthendeleko womlingane okhubazekileyo, umlingane ofanelekileyo uya kufuneka ukuba afumane izatifikethi zokukhubazeka ukusuka kumalungu entsapho kunye nomnye okanye oogqirha okanye zombini okanye ukuya enkundleni kwaye iqabane lawo livakalisa ingqondo engafanelekanga yijaji. Okubi nakakhulu, ukuba elinye iqabane lingenakuthola kuphela ngenxa yokuba ujikeleze intsapho, ngoko elinye iqabane aliyi kukwazi ukwenza nayiphi na i-akhawunti ebizwa ngegama lomntu ohamba naye xa ebuya evela uhambo.
Nangona kuya kuba neemeko ezithile xa omnye umlingane efuna ukukhonza njengeTrasti kuphela, njengomtshato wesibini okanye kamva, ngokuqhelekileyo ndifumene ukuba la matyala ayingcinci. Yaye ukuba unenkxalabo malunga nokulahlekelwa kwee Co-Trustees ukuba zisebenze kunye, musa ukuxhalabisa - Iingxowa zokuKhuselwa eziPhephekayo zingabhalwa ngeendlela ezininzi zokuguquguquka, kubandakanywa nokwenza ii-Co-Trustees zitshatileyo kodwa zinika ngamnye umntu amandla okusebenza ngaphandle imvume yomnye umlingane. Ukuba wena kunye neqabane lakho nisebenza njengamaTrasti kuphela kwiiNkcazo zokuHlala eziPhephekileyo kwaye akukho nto enesizathu esenza ukuba ubuze ummeli wakho wezocwangciso ukulungisa izikholo zakho ukwenza ngamnye wenu umTrasti womnye othembekileyo kunye naye ziquka ulwimi ukuvumela ngamnye wenu ukuba asebenze yedwa emandleni akho njengoTrasti. Ekuhambeni kwexesha, oku kuya kukunika ukuguquguquka okufuneka uhambe nge shishini lakho.
Ikhonkco # 5 - Iingxowa ezikhuselekanga ngaphandle koLwimi lweProducative Plan
Namhlanje abantu abaninzi banesabelo esibalulekileyo sendawo zabo ezityalomali kwizicwangciso ezifanelekileyo ezifana ne-401 (k) kunye ne- IRA . Kodwa ukuba baye bakhetha i-Trust Their Revocable Trust njengabaxhamli bee akhawunti kwaye i-trust ayizange ihlaziywe ngexesha elithile, ke amathuba ayenayo ulwimi olufanelekileyo ukuvumela iTrasti yoMphumeleli ukuba ihlangabezane neakhawunti yomhlala-phantsi. ushiywe kwi-trust. Ukuba olu lwimi lulahlekile, izandla zeTrasti ziza kuhlanganyelwa, kwaye iziphumo zerhafu ezingenayo ziza kubangela.
Ukuba uthe wabiza igama lakho elikhuselekileyo lokuThengisa ukuThengisa njenge-beneficiary of planning plans, qwa lasela ummeli wecebo lakho lokuqinisekisa ukuba ikholo lakho liqulethe ulwimi olufanelekileyo lomhlalaphantsi kwaye, ukuba awukho, cela ummeli wakho ukuba alungise ukuthembela kwakho ngokukhawuleza. .
Ikhonkco # 6 - Amandla weGqwetha elingaphandle kweLwimi loLungiselelo lomhlalaphantsi
Ukuba uncedise zonke iimpahla zakho kwi-Your Revocable Living Trust, ngoko ke, ngokubanzi, i-Power of Attorney yakho ayiyi kuyimfuneko kuba i-asethi kwi-trust iyayilawulwa yiTrasti. Kodwa ukususela ngo- 401 (k) kunye ne-IRAs akunako ukuxhaswa ngemali kwi-trust yakho (ngaphandle koko i-asethi iya kufakwa kwingeniso yakho yerhafu yonyaka wokutshintshwa), uya kuyidinga igunya le-Attorney ngolwimi olufanelekileyo loluhlu lomhlala phantsi vumela i-Attorney yakho Yinyaniso ukuba ilawulwe i-401 (k) kunye nee-IRAs ukuba ukhubazekile. Oku kufuneka kufake amandla okuseka ii-akhawunti ezintsha; ukwenza igalelo; iillowver; ukuvumela ukuhlola kwaye ufumane ukuhambisa; cwangcisa idiphozithi ngqo yokuhambisa; iintlobo zonyulo zokuhlawula, kwaye uboleke imali kwaye uthenge iimpahla.
Ukuba i-Power of Attorney yakho ayizange ihlaziywe ngexesha elithile, ke amathuba kukuba ayinalo ulwimi olulungileyo ukuvumela i-arhente yakho ukulawula i-akhawunti yakho yomhlalaphantsi. Hlola kunye negosa lakho lokucwangcisa i-estate ukuqinisekisa ukuba uMbane wakho weGqwetha liqulethe ulwimi lokuthatha umhlala-phantsi olufanelekileyo, kwaye, ukuba akunjalo, buza ummeli wakho ukuba aqulunqe olutsha olulwimi olufanelekileyo.
Isikhokelo # 7 - Izikhokelo zezeMpilo ze-Old Advance
Ngo-2001 iKomishoni yamisela imithetho elawula uMthetho we-Intsholongwane wokuPhathwa kwe-Intshuwalense kunye noXanduva luka-1996 (okanye i- HIPAA ). Icandelo lezenzo lijongene nolwangasese kwiirekhodi zezokwelapha kwaye ngubani onokukwazi ukufikelela kuwo. Ngaloo ndlela, ukuba i-Advance Directive yakho yabhalwa ngaphambi komnyaka we-2001, uya kulufuna entsha equlethe ulwimi olufanelekileyo lwe-HIPAA. Yaye uqaphele - ndibuye ndifikelele kwiiNgcebiso eziPhambi kwee-Advance ezasayinwa emva ko-2001 ukuba kungenjalo ziqukethe ulwimi oluyimfuneko lwe-HIPAA.
Yintoni eya kwenzeka xa i-Directive Advance yakho ingenayo nayiphi na inkcazo kwi-HIPAA? Emva koko igosa lakho lonakekelo lwempilo lingaze likwazi ukwenza izigqibo ezinolwazi malunga nophatho lwezokwelapha ngenxa yokuba i-arhente yakho ayinakho ukufikelela kwiirekhodi zakho zonyango. Oku kubaluleke ngakumbi ukuba uthethe umntu ngaphandle kwesihlobo esisondeleyo njenge-arhente yakho ukususela kwiintsapho ezikude kunye namalungu angewona amalungu osapho uya kunqatshelwa ukufikelela kwiirekhodi zakho zonyango. Ukuba bekuye ixesha elide ukusayina i-Advance Medical Directive yakho, jonga igosa lakho lokuceba i-estate ukuqinisekisa ukuba uxwebhu lwakho luqulethe ulwimi olufunekayo lwe-HIPAA kwaye lukhutshwa.
Ikhonkco # 8 - Ii-asethi ezihlawuliswayo kwi-Asset ekhohlakeleyo ngqo kumlingani wakho
Nangona isicwangciso somhlaba sesibini esitshatileyo singenzi iphutha lesithathu eliqhelekileyo (icebo lezindlu ngaphandle kokucwangcisa irhafu yezindlu), ezininzi izicwangciso zishiya isahlulo esicatshulwayo somntu oshonile ngokucacileyo kwisiganeko esasishiyayo endaweni ye-Marital Trust . Ngamanye amagama, endaweni yokuba nenkqubo ye-AB ethembekileyo, icebo lenza kuphela "B Trust," kwaye inxalenye ehlawulwayo, okanye "Inxalenye", iya kuhamba ngqo kwiqabane eliseleyo kunokuya kwi-Marital Trust.
Kutheni le ngxaki? Ngenxa yokuba kukho iinzuzo ezininzi zokuba isahlulo sokuhlawulwa sidlule kwi-Marital Trust ukuze kuzuze iqabane eliseleyo kunokuba lenze ngqo. Okokuqala, i-Marital Trust yithemba elingenakuthenjwa, kwaye, ukuba ihlelwe ngokufanelekileyo, inokuthintela i- asethi yokutyala ukuba ibanjwe ngabathengi bamatyala abasaphila. Ukushiya i-asethi ehlawuliswayo kwiqabane eliseleyo kwi-Marital Trust kuya kukhusela ixabiso kunye nokuhlaliswa komtshato okanye kuthatyathwe njengenxalenye yesabelo esikhethiweyo ukuba umlingane ohlala esatshatileyo. Ekugqibeleni, emtshatweni wesibini okanye kamva, ukusetyenziswa kweMarital Trust kungaqinisekisa ukuba impahla ehlala kusekholo xa umlingane ohlala eswelekileyo eya kubantwana bomlingane ongasekhoyo kwaye kungekhona loo mlingane osweleyo.
Ukuba wena kunye neqabane lakho nicinga ukuba isicwangciso sakho sempahla sinokufumana inzuzo kwinkqubo ye-AB ethembekileyo, kungekhona nje "i-B Trust", uze ubuze ummeli wakho wecebo loceba ukuba isicwangciso sakho siquka i-AB ethembekileyo yeTrust, kwaye, ukuba akunjalo, ukulungiswa zakho zithemba ngokufanelekileyo.
Ikhonkco # 9 - Amanqaku okuCwangciswa kweZakhiwo ezingabonakaliyo
Kukho imimandla emibini apho oku kudlalwa khona: (1) Xa amaxwebhu acacisa nje angasayinekanga; kwaye (2) Xa amaxwebhu asayinwe kakuhle kwiimeko zokuhlala zangaphambili zomthengi kufuneka asayinwe ngokwahlukileyo kwimeko yawo entsha.
Ingxaki yangaphambili isisiphumo sommeli ongaqhelekanga ukuba acwangcise amaxwebhu okucwangcisa umhlaba, ngoko ke, akazizi izimo ezifunekayo zokusayinela iindidi zamaphepha. Yingakho kubalulekile ukusebenza kunye negqwetha elineminyaka emininzi yamava okubhala amaxwebhu okucwangcisa umhlaba ngenxa yokuba oku kuya kuqinisekisa ukuba amaxwebhu ahlolwe yiibhanki, izibhedlele, kunye nenkundla yecala.
Ngakolunye uhlangothi, amaxwebhu okucwangcisa umhlaba owenziwe ngokufanelekileyo ngumbuso omnye angahlawulwa ngokupheleleyo kwelinye ilizwe. Ngokomzekelo, eFlorida, uMbane weGqwetha kufuneka asayinwe kunye nemimiselo efanayo njengemvume yokuthengiswa kwezindlu ukuze uMandla weGqwetha usetyenziswe ukudlulisela i-Florida indawo yokuhlala. Yingakho kubalulekile kungekuphela ukuba uhlalutye isicwangciso sakho sempahla xa uhamba ukusuka kwelinye ilizwe ukuya kwelinye kodwa kwakhona ukuba amaxwebhu akho ahlaziywe ngummeli wendawo apho uthenge khona impahla yangaphandle ngaphandle kwekhaya lakho. Oku kuya kuqinisekisa ukuba amaxwebhu aya kusebenza kwimeko yakho kunye nolunye.
Ikhonkco # 10 - Ukushiya iiAfa ngokuzenzekelayo kubaxhamli bakho
Kanye nje ngokuba iphutha # 8 lichaze iingeniso zokubamba impahla kwi-Marital Trust ukuze uzuze lakho iqabane, iindawo zokuphila zingaphinde zinike izibonelelo ezifanayo kwabanye abaxhamliweyo. Njani? Ngenxa yokuba ukusetyenziswa kwethemba lokuphila liza kuhlukanisa ilifa lomzuzi kwii-asethi zabo, kuquka i-asethi yabo kunye nomtshato kunye nezinye izinto ezidibeneyo. Ngaloo ndlela, ukuba umxhamli uyaxelwa, i-asethi ethemba iya kukhuselwa. Okanye, ukuba umxhamli uya kutshata kwaye emva koko ahlukanise, i-assets trust iya kukhuselwa. Okanye, ukuba umxhamli usemncinci okanye ukhubaze ngokwengqondo, i-asethi ethembekileyo ingatyaliswa kwaye ilawulwe ngumnye umntu kwaye iya kukhuselwa. Ngakolunye uhlangothi, ukuba ushiye ifa labo abazuzileyo kwilifa okanye kwimihla ethile (njengama-25, ama-30, okanye ama-35), ngoko xa sele bezandleni zabo ifa labo liya kuba neengxaki kumatyala, ababolekisi, abaqhawule umtshato, ababi izigqibo zotyalo-mali, kwaye, kwimeko enzima kakhulu, umgcini ogcinwe yinkantolo ukuba ngaba umzuzi-ncinane okanye ukhubaze ngengqondo.
Kunoko, cinga ukubeka iimbopheleleko zobomi bonke abaxhamli bakho. Unokwenza ukuba umzuzi weTrasti kuphela kwixesha elithile (njenge-25 okanye 30). Ngaloo ndlela, xa umzuzi selula, ifa labo linokulawulwa ngumnye umntu, kodwa xa bekhulile bangathatha ukulawula kwenkxaso yabo yekhredithi kunye nokwenza izigqibo zabo. Oku kuya kunika abaxhamli bakho ithuba lokuba balondoloze ifa labo ngenzuzo yabo kwaye kungekhona inzuzo yababolekisi, ukwahlukanisa abatshatileyo, urhulumente, okanye amagqwetha kunye nabagwebi.
Ikhonkco # 11 - Iingxowa-mali ezingenakuhlawulwa
Mhlawumbi impazamo eqhelekileyo ndiyigxina xa kuhlolwa izicwangciso zezinto ezikhoyo ziyi-Revocable Living Trust engaxhaswa ngokupheleleyo. Oku kudla ngokugqithisileyo: (1) Iinkolelo ezingahlawulwanga nakwiiyo zonke, kunye (2) neenkolelo ezikufutshane kodwa ezingenasisigxina ngokupheleleyo.
Kwiimeko zangaphambili, ingxaki ivela kummeli wecebo lokuthengisa umhlaba ongeke anikeze naluphi na uncedo okanye ukhokelo kubaxhasi babo ngezimali zabo. (Ewe, ngelishwa, kukho abameli abathile apho baya kuphepha ukuncedisa abathengi ukuba baxhashe amathemba abo ukuze iifayili zabaxhasi babo bahambe ngegosa elijongene negosa.) Kwimeko yesibini, nokuba ngaba bathengi baqonda ukubaluleka kwemali yabo bayathemba kwaye balawula ukufumana ezinye zeempahla zabo kwiingxowa zabo, abaninzi baya kunqanda okanye baxakeke okanye baxakeke kwinkqubo yonkxaso-mali.
Andikwazi ukugxininisa ngokwaneleyo ukuba kubaluleke kangakanani ukufumana iifayili yakho kwi-Trust yakho yokuKhuselwa eLawulayo kwaye uhlaziye abaxhamli be-inshorensi yakho yobomi kunye ne-akhawunti yomhlala-phantsi. Ngaphandle kokuthatha eli nyathelo elibalulekileyo, i-Revocable Living Trust yakho iya kuba yinto ebhaliweyo elinde i-asethi yakho ukuyizalisa emva kokusetyenziswa kwexesha kunye neendleko zovavanyo.
Ikhonkco # 12 - Unfunded Out of State Real Estate
Xa kuhlaziywa izicwangciso zeendawo ezikhoyo, impazamo eqhelekileyo endiyibonayo yiyo # 11 - Iingxowa zokuhlala ezingapheliyo. Yaye le mpazamo eqhelekileyo iholela ngqo kwimpazamo yokugqibela-ngaphandle kwe-estate ye-real estate engabhaxiswanga kwi-Revocable Living Trust.
Ukuba awuyi kuthatha ixesha lokuxhaswa kwakho kwi-real estate ye-state kwi-Trust yakho eLawulayo yokuPhepha, abazalwana bakho baya kubhekana neendawo ezimbini okanye ngaphezulu. Ngoba? Kungenxa yokuba ukudluliselwa kwezindlu zangaphandle emva kokufa kulawulwa yimithetho karhulumente apho ipropati itholakala khona "ngokubambisana". Ngaloo ndlela, i-real estate egameni lakho ngabanye ngexesha lokufa kwakho liza kufuneka lihlolwe kwiimeko apho zikhoyo khona. Kwaye kuthiwani ukuba unempahla yokuhlala ezimbini, ezintathu, okanye ezine ezihlukeneyo? Emva koko abathandekayo bakho baya kubhekana neenkqubo ezimbini, ezintathu, ezine okanye ngaphezulu, kwaye uya kwongeza ixesha elibi kunye neendleko ekumiseni ukuthembela kwakho ngenxa yokuba abathandekayo bakho baya kufuneka bahlawule iinkqubo ezininzi zeengxaki kunye namagqwetha amaninzi. .
Ngokukodwa ukuba ngaphandle kwepropati yelizwe ebizwa ngegama lakho ngabanye okanye njengabaqashi abafana nomnye umntu, fumana ipropati yakho ithemba. Yaye ungakhohlisi ekucingeni ukuba ukuba ungumnikazi wendawo yokuhlala kunye nomnye umntu oya kudlula ilungelo lokusindisa omnye umnini kwaye ukhuphe ukuvavanya emva kokufa. Uninzi lwamazwe alungelelanisi kubaqeshi ekubanjeni ubunini xa umyalelo ungaboneleli ngokuthe ngqo amalungelo okusinda, kwaye ngoko isabelo sakho sendawo siya kufuneka sibe neengxaki. Hlola kunye negqwetha kwimeko apho ipropati ikhona ukuze uqiniseke ukuba libizwa ngendlela oyifunayo, kwaye, ukuba akunjalo, unokwenziwa okusha kunye nokurekhodwa.