Ukuthawula Iimali Ukuphuma kwi-Top vs. Pro Payment Pay
Isicwangciso Sakho Sokuhlala Sinikela?
Ukuba unesicwangciso sezinto, i-Your Will End kunye neTestamente okanye i- Revocable Living Trust izakuqukwa nemiyalelo ethile malunga nokuba yeyiphi impahla kufuneka isetyenziswe ukuhlawula ityala le ntlawulo.
Imiyalelo eqhelekileyo iya kuthetha oku kulandelayo:
- Abaxhamli abafumana isakhiwo esithile okanye ipropati yomntu siqu abayiyo kuhlawuliswa ngokuhlawula irhafu ngaphandle kokuba zonke ezinye ipahla zisetyenziswe kuqala.
- Ukuba unayo kuphela iMpendulo Yokugqibela kunye neTestamente, ngoko ke abafumanayo nayiphi na impahla engeyiyo ingxaki ehlanganisiwe kwixabiso lefa lakho kwiinjongo zerhafu yezindlu ziza kuhlawula isabelo sabo esifanelekileyo se-bill tax tax.
- Ukuba unayo i-Revocable Living Trust, ngaba abafumanayo nayipropati engadlulanga ngaphandle kwithemba lakho elibandakanyiweyo kwixabiso lempahla yakho yeenjongo zerhafu yerhafu baya kuhlawula isabelo sabo esahlukileyo se-bill tax tax.
- Ukuba unayo kuphela iMpendulo Yokugqibela kunye neTestamente, ngoko ke abafumana "i-residu" yelifa lakho (okuthetha ukuba impahla yakho ngaphandle kwemvume ethile kunye nempembelelo yakho) iya kuthwala umthwalo werhafu.
- Ukuba unayo i-Revocable Living Trust, i-Your Forward Over Will iya kunikezela ukuba i-bill yakho yentlawulo yerhafu iya kuhlawulelwa kwi-asethi yakho yokuthembela kwaye ukuthembela kwakho kuya kubonelela ukuba abafumana "i-residu" ye-trust yakho baya kuthwala umthwalo werhafu .
- Iipropati ezigqithiselwe ngqo kumlingane osasalayo okanye nge-Marital Trust kunye nezicwangciso zomhlala-phantsi ezifanelekileyo aziyi kusetyenziswa ukuhlawula irhafu ngaphandle kokuba zonke ezinye ipahla zisetyenziswe kuqala.
Eminye imizekelo
Lithetha ntoni ulwimi oluqhelekileyo? Nazi ezinye izibonelo:
- Cinga ukuba i-estate taxable yakho ixabiswe kwi-4,000,000 ye-R4,000,000, urhulumente wakho awuhlolisisi irhafu yerhafu, ushiye i-$ 5,000 ukuya kumntakwabo, u-R10 000 ukuya kudade wakho kunye nokulinganisela kwefa lakho kwizabelo ezilinganayo kubantwana bakho babini.
Kulo mzekelo umrhumo weerhafu wezindlu uza kuba yi-$ 225,000 kwaye ukuba ulwimi oluqhelekileyo oluchazwe ngentla lusetyenziswa, ngoko umntakwabo uzakufumana i-$ 5,000, udade wakho uya kufumana i-$ 10,000, kwaye ngamnye umntwana wakho uya kufumana isabelo esilinganayo semali emva kweerhafu ibhilikhi ihlawulwe, okanye i-$ 1,880,000 nganye: i-$ 4,000,000-$ 15,000 kwiimfuno-$ 225,000 kwiirhafu = $ 3,760,000 $ 3,760,000 รท 2 = $ 1,880,000
- Cinga ukuba i-estate taxable yakho ixabiswe kwi-$ 4,000,000, urhulumente wakho akayi kuhlola irhafu yerhafu, ushiye umgaqo-mali wakho we-inshorensi engu-100 000 ukuya kumntakwenu, i-$ 50,000 ehlawulwa kwi-akhawunti yakho yokufa kumdade wakho. ibhalansi yefa lakho kwizabelo ezilinganayo kubantwana bakho babini.
Kulo mzekelo umrhumo weerhafu wezindlu uza kuba ngu-225,000-mali kodwa uya kuhlawulwa ngokuhlukileyo kuba ngamnye umxhamli uya kuba noxanduva lokuhlawula isabelo sabo salo mthetho - umzalwana wakho uya kuba noxanduva lwe $ 5625 yebhilikhi; Udade wakho uya kuba noxanduva lwe $ 2,812.50 kwilwayo-mali; icawa yakho ayiyi kuba nexanduva lokuhlawula nayiphi na inxalenye yerhafu yezindlu kuba izipho ezithandwayo zidlula ngaphandle kwerhafu yezindlu ngenxa yokuncitshiswa kweerhafu; kwaye abantwana bakho baya kuba noxanduva lokuhlawula imali engama-216,562.50. Yintoni eyenzekayo xa umzalwana noodade bakho benqwenela ukufaka isandla sabo sabelo se-bill tax estate? Emva koko uMmeli wakho woMntu okanye uMpumelelo weTrasti unokumangalela umntakwabo kunye nodade ukuba abanyanzele ukuba bafake isandla, kodwa abantwana bakho baya kufuna ukulinganisa iimali zomthetho eziya kudibaniswa nokuqokelela i-$ 8,437.50 ngokubhekiselele ekuhlawuleni irhafu kwizabelo zabo.
- Cinga ukuba i-estate taxable yakho ixabiswe kwi-5,000,000 yeeRhafu, urhulumente wakho awuyi kuhlola irhafu yerhafu, ushiya i-$ 50,000 ukuya kumntakwabo, u-$ 100,000 ufanele ukuba udade wakho, kunye ne-balance ye-estate yakho kumlingane ongummi wase-US .
Lo ngumzekelo onobuqhetseba kuba kufuneka ukhumbule ukuxothwa komtshato ongenamkhawulo - le ntsalelo ikuvumela ukuba ushiye umlinganiselo ongenamkhawulo kumlingane wakho emva kokufa ngaphandle kokubangela iirhafu zezindlu. Ngalo mzekelo, umntakwabo uya kufumana i-$ 50,000, udade wakho uya kufumana i-$ 100,000, kwaye umlingane wakho uya kufumana ibhalansi ye-4,850,000 yeentlawulo zeentlawulo.
Ngokuqinisekileyo, ezi ziyimimiselo yento elithetha ngayo ulwimi kwaye unakho ukhululekile ukukhetha ukuba ngubani na oxhamlileyo ofuna ukuwuthwala umthwalo werhafu.
Ngokomzekelo, kwimizekelo yesibini, isicwangciso sendawo singabonelela ukuba zonke iintlawulo ziya kuhlawulelwa kwi-asele ukwenzela ukuba umzalwana nodade bangayi kuba nexanduva lokunikela inxaxheba yabo yesabelo. Uzakufuna ukuxoxa ngawo onke amanyathelo akho kunye nommeli wecebo lakho lokulunga ukuze ufumane oko kuqondakalayo kwimeko yakho.
Yintoni eyenzekayo Ukuba Awunayo iSicwangciso seMpahla?
Ukuba awunayo Ixesha lokugqibela kunye neTestamente okanye iTrust Living Revocable Trust kwaye ifa lakho lihlawulwa, ke ukuhlawulwa kwe- bill ye-tax bill iya kulawulwa yimithetho karhulumente apho uhlala khona ngexesha lokufa kwakho kunye nemithetho nawuphi na ummandla apho uphantsi kwepropati yakho okanye impahla yangasese.