Abancinci njengabaxhamli beZipho eziPhezulu
Xa ipropati ishiywe ngqo kumxhamli omncinci, njengokuba ubunikazi bobambiswano bepropati okanye i-akhawunti ehlawulwayo yokufa, umntwana omncinci akayi kuba negunya lomthetho lokulilawula.
Kuyafana neenzuzo ezifunyenwe ngendoda yokugqibela kunye nesigidimi okanye kwi-estateest intanethi - umntu ofileyo wafa ngaphandle kokuthanda okanye ukuthanda kwakhe kokugqibela kunye nesigqibo, okanye ukuthembela kokuphila kwalungiswa ngendlela engafanelekanga, ngoko imigaqo yayo ayizange ihlonishwe.
Kule meko, umthetho kaRhulumente uchaza ukuba ubani omele afumane i-estate decedent and in what measures. Ngokuqhelekileyo, isihlobo sakhe esisondeleyo siya kulidla ilifa. Ifa lakhe liza kuphela kwizihlobo zakhe ezikude xa engashiyi mlingane okanye abantwana.
Yintoni eyenzekayo kwilifa lemvana kule meko lixhomekeke kwimithetho yombuso apho incinci ihlala khona kunye nexabiso lentengo.
UTMA, UGMA kunye nama-Akhawunti ama-529
Ukuba ixabiso lepropati elishiye kwincinci ayibalulekanga, ngokuqhelekileyo i-$ 20,000 okanye ngaphantsi, umthetho welizwe ungavumela umntu omdala onomdla onjengomzali omncinci okanye ootatomkhulu ukuba acele ukuba ilifa elincinci libekwe kwiakhawunti esekelwe phantsi koMthetho oTshintshiseneyo oManyeneyo ukuya UMthetho weeNcinane okanye iziKhokelo eziFanayo kuMthetho weeMvana .
Ezi ngxelo zinokubamba iimali zomntwana ade afinyelele kwiminyaka yobudala - 18 kwiindawo ezininzi, kodwa ngamanye amaxesha. Kananjalo, ezinye iivumelwano zivumela umntu omdala onomdla ukuba acele ukuba ipropati ibekwe kwi-akhawunti ye-529 ukuze inzuzo encinci. Le yiplani yokulondoloza irhafu-nzuzo ezayo kwiindleko zekholeji.
Kwamanye amazwe, umzali unokukwazi ukuthatha ulawulo lweemali ezincinane kakhulu, ezifana nezipho ze-5,000 okanye ngaphantsi, egameni lomntwana omncinci. Umzali akayi kuyisebenzisa loo akhawunti.
I-Conservatorships kwaBantwana abancinci
Ukuba ixabiso lempahla eyishiywe yincinci ingaphezu kokufakwa kwi-UTMA, UGMA okanye i-akhawunti ye-529, okanye ukuba imimiselo yombuso apho abantwana abancinci bengagunyazisanga le ntlobo ze-akhawunti, kwifa elifa, inkundla yokugcinwa kwesosivivinywa kufuneka igqitywe ukuze inzuzo encinane.
Ummeli oqeshwe yinkundla okanye ummeli wefa uya kufaka isikhalazo ecela ukuba umgcini-mgcini aqeshwe egameni lomncinci ukulawula ilifa xa kuvulekile indawo yokuhlala . Ukuba akukho ndawo engabonakaliyo, njengokuba umntu omncinci ubizwa ngokuba ngumxhamli we-inshorensi yomhlala-phantsi okanye i-akhawunti yomhlalaphantsi, umntu omdala onomdla unokufaka ifowuni.
Ijaji iya kuthatha isigqibo sokuba ngubani oza kummisela njengomgcini-mntwana emva kokuva ubungqina obuvela kubo bonke abantu abanomdla, ngamanye amaxesha kubandakanya umncinci ukuba uneminyaka engaphezulu kwexesha eliqhelekileyo, ngokuqhelekileyo eli-12 okanye eli-13.
Kwiimeko ezininzi, umzali womntwana ukhethwa ngaphandle kokuba abazali bobabili bafe okanye bazimisele ukuba bangalunganga.
Umgcini-mgcini otyunjweyo uya kuthatha ulawulo kunye nokulawulwa kwelifa lenkwenkwana kuze kube yinto encinci iba ngumdala. Abazali bashiya ifa kunye nabantwana babo abancinci banokuphephekisa ubunzima balo ngokumisela umncedisi kwiiplani zabo.