IRhafu kunye nezinye iziphumo zefa le-akhawunti ye-POD
QAPHELA: Ukumisela imithetho iguqule rhoqo kwaye ulwazi olulandelayo alukwazi ukubonisa utshintsho lwangoku kwimithetho. Ukufumana irhafu yangoku okanye isiluleko sezomthetho, nceda uqhagamshelane nomgcini-akhawunti okanye igqwetha kuba ulwazi olukule nqaku alukho irhafu okanye isiluleko sezomthetho kwaye asinalo indawo yerhafu okanye isiluleko somthetho.
Ukuba umhlobo wakho uswelekile kwaye ungumxhamli we-akhawunti yakho yokufa (i-POD) , ngoko ngokubanzi uya kuba nokufikelela kwimali kwi-akhawunti ngokubonisa kuphela isatifikethi sokufa sokuqala se-akhawunti kwibhanki apho i-akhawunti ibanjwe.
Nangona kunjalo, ngaphambi kokuba uqokelele imali (okanye, ngokubi ngakumbi, yichithe), kufuneka uqaphele yonke irhafu kunye neminye imiphumo yokufumana i-akhawunti ye-POD.
Ingeniso yeRhafu yeNgeniso yeHlabathi i-Akhawunti ye-POD
Njengoko umxhamli we- akhawunti ye- POD , ngokubanzi, umhla wokufa kwe-akhawunti ye-POD ayiyi kufakwa kwingeniso yakho engenayo. Nangona kunjalo, nayiphi na imali engenayo efunyenwe yi-akhawunti ye-POD ngaphambi komhla we-akhawunti yomnini we-akhawunti yokufa kuyakufuneka ibhalwe kwingxelo yokubuyisela irhafu yengeniso yomnini we-akhawunti (jonga i- IRS Ifom 1040 ) kunye nayiphi na imali yokubuyisela irhafu yengeniso yokugqibela yengeniso kunye nomvuzo. efunyenwe phakathi komhla wokufa kunye nosuku othabatha ubunini be-akhawunti luya kudingelwa ukuba lubikwe kwingxelo yerhafu yengeniso yomnini-akhawunti yomnini-akhawunti (jonga ifom ye-IRS 1041 ) kunye nayiphi na imali ebuyiswe yerhafu yengeniso yelizwe.
Iziphumo zeRhafu neZifa leNtlawulo yeHlabathi ye-Akhawunti ye-POD
Ukuba umnini-mhlaba we-akhawunti uphantsi kwentlawulo ye-frederal estate (ngo- 2014 , ifa elibi limele lidlule i-$ 5.34 yezigidi ukwenzela ukuba libe phantsi kwentlawulo ye- federal tax ) okanye irhafu yelizwe okanye irhafu yefa kunye nomnini we-akhawunti abe neyokugqibela kunye neTestamente okanye I-Trust Living Revocable , ngoko ke imiqathango equlethwe kwintando okanye ithemba iya kuqinisekisa ukuba ngaba awuyi kufuneka ukuba uncedise ekuhlawulweni kwelifa okanye umrhumo werhafu .
Ngakolunye uhlangothi, ukuba i-akhawunti yomnini-akhawunti ixhomekeke kwiirhafu zomhlaba zomhlaba okanye irhafu yefa kunye nomnini we-akhawunti engenakho ukuthanda okanye ukuthembela, ngoko imimiselo yombuso apho umnikazi we-akhawunti efile uya kuthi ukuba akunakufuneka ukuba ube negalelo ekuhlawuleni irhafu yerhafu okanye umrhumo werhafu wefa.
Ngaba Uya Kufuneka Uhlawule Nayiphi na iMithetho yeeBhilile eziPhambili?
Umbuzo oqhelekileyo ovela xa umnini we- akhawunti ye- POD efa ngenxa yemali ebalulekileyo yekhadi lesikweletu okanye enye ityala njengemithetho yezonyango okanye i-mortgage ingaba abaxhamli be-POD baya kufunwa ukusebenzisa nayiphi na imali ye-POD yokuhlawula ityala elibalaseleyo. Ngokubanzi, impendulo yalo mbuzo iya kuxhomekeka ekubeni ngaba umxhamli ungumgcini-mboleko wetyala (njengomnxibelelwano wekhadi lesikweletu okanye umboleko) kunye nomthetho welizwe osebenzayo. Kwamanye amazwe ukuba abaxhamli be-POD abagcini-mvume okanye ababhalisene nabo be-matyala, ke lowo umxhamli uya kuba nokufikelela ngokukhawuleza kwi-akhawunti ye-POD, ngelixa kwamanye amazwe ngamnye umxhamli we-POD unokuthi asayine i-affidavit eqinisekisa ukuba iPOD Umnikazi weakhawunti wayengenayo ityala ngaphambi kokuqokelela imali esele kwi-akhawunti ye-POD.