Yintoni eya kwenzeka xa Ufa ngaphambi kokuba wenze i-Will and Estate Plan?
Yintoni eya kwenzeka kwipropati yakho ukuba awuyi kwenza intando kunye nesicwangciso sefa ngaphambi kokuba ufe?
Zonke iinkqubo zineenkqubo ezisemthethweni ezisemthethweni zokumisela ngubani oza kulidla ilifa lomntu ongaphumeleli ukwenza intsebenzo esemthethweni ngokusebenzisa " imithetho yomthetho ".
Kuthetha ukuthini ukufa "intliziyo?" Oku kuthetha ukuba umntu ufile ngaphandle kokuba enze intando yokugqibela . Ukuba ngaba kunjalo, ngoko-ke umthetho we-intestate wombuso apho umntu ahlala khona kwaye unempahla yangaphandle ngexesha lokufa kwakhe uza kuba ngubani oza kudla ilifa lakhe. Ngelixa ngalinye ilizwe linemithetho eyahlukileyo, bonke balandela umzekelo ofanayo jikelele - kuqala iqabane lakho kunye nabantwana bakho baya kulidla ilifa lakho; Ukuba awunayo iqabane okanye nabantwana, ngaba abazali bakho baya kulidla ilifa lakho; ukuba ngaba abazali bakho baxakele phambili ngoko abazalwana noodade bakho baya kulidla ilifa lakho; ukuba akunjalo, ke ipropati yakho iya kubantwana bakho kunye nabantwana.
Iimpawu zeNtshukumo yokugqibela kunye neTestamente
Intando yokugqibela kunye neTestamente ngokubanzi iqukethe iindawo ezine:
- Icandelo lokuqala lijongene nendlela iindleko zakho zokugqibela eziza kuhlawulwa ngayo ;
- Icandelo lesibini lijongene nendlela iindleko zokulungisa ifa lakho kunye neyiphi iirhafu zezindlu kunye / okanye irhafu yefa iya kuhlawulwa;
- Icandelo lesithathu lijongene nabani abaya kuba ngabaphathi beendawo zokuhlala ( uMmeli / Ummangaleli ) kunye namagunya abaya kuba nawo, kwaye, ukuba unabantwana abancinci, ngubani oza kuba noxanduva lokukhulisa abantwana ( uMgcini-mali / Conservator ); kwaye
- Icandelo lesine lijongene nabani abaza kufumana umlinganiselo wefa lakho, indlela abaza kuyifumana ngayo, kwaye xa bayakufumana.
Iprobate kunye nendlela yokuPhepha ngayo: iTrust Living Revocable Trust
Nangona iCandelo lokugqibela kunye neTestamente liyinxalenye ebalulekileyo yiplani yepropati, kukho enye impendulo eyintloko yokuba yonke impahla yakho idlule phantsi kwemiqathango yentando yakho: Ipropathi kufuneka iphumelele phambi kokuba abathandekayo bakho babe nako ukufikelela . Iprobate ingathatha nantoni na kwiinyanga ezintandathu ukuya kwezi-9 ukuya kwiminyaka emininzi, oko kuthetha ukuba intsapho yakho iya kuba nexesha elide kwaye kaninzi ayikho ukufikelela kwi-asethi yakho kude kube sekugqitywe uvavanyo.
Le yilapho i- Revocable Living Trust iqala ukusebenza. Yiyiphi i-Revocable Living Trust? Isivumelwano somthetho esibhaliweyo esichaza indlela yakho impahla eya kulawulwa ngayo xa usaphila uze emva kokufa. Inxalenye ejongene nendlela ipropati yakho iya kulawulwa ngayo xa usaphila iya kubandakanya isicwangciso sakho sokukhubazeka kwengqondo, kwaye inxalenye ejongene nendlela ipropati yakho eya kulawulwa ngayo emva kokufa kwakho iya kuba neemeko ezifanayo eziya kubhalwa Ukuthanda kwakho kweTestamente kunye neTestamente ukuba wenze isigqibo sokuba ungayimisi iTrust Living Revocable Trust.
UkuThemba okuKhuselekileyo okuKhuselekileyo kukuphephe njani iNdlu?
Ngoko i-Revocable Living Trust ingayiphepheli njani ingxaki?
Kuba ukuba i-asethi yakho ixhaswa kwi-trust ngexesha lokuphila kwakho, ke akuyi kudingeke ukuba ulandelelwe emva kokufa kwakho. Ungayifumana njani imali yakho kwi-trust? Kwiibhanki zebhanki kunye ne-estate, igama lakho liya kuthathwa kwi-asethi kwaye igama lakho lokuthembela liya kufakwa endaweni yalo. Kweminye i-asethi, njenge-inshorensi yobomi kunye ne- akhawunti yomhlalaphantsi , i-trust iya kuthiwa ngumxhamli we-asethi. Xa ithemba lixhaswa ngemali ngokupheleleyo, awuyi kuba ngumnini-asethi wakho - ukuthembela kwakho kuya kuthi, kunye nepropathi ene-Revocable Living Trust ayifuni ukuhlolwa emva kokufa kwakho. Endaweni yoko, ipropati ye-trust ingadlula ngokukhawuleza kunye ngqo nabathandekayo bakho.