Ithemba elingaguqukiyo alikwazi ukutshintshwa - Okanye Ngaba?
Ngoko kutheni ke? Kutheni udala i-trust ye-ironclad? Ezi zithemba zinikela ngeenzuzo ezimbalwa ezihlukeneyo ngaphezu kohlobo lwabo abalahlayo.
Ithemba elingenakutshintsho kunye nababolekisi
Ukuthembela okungenakutshintsho kunokukhusela iifayili zakho xa usebenza kwi-professionalism ebeka engozini ematyaleni athile-okanye nokuba awukwazi. Awukwazi ukuyithatha impahla emva kokuba udlulise ubunikazi kwisithemba esingenakuthenjwa, ngoko kukhuselekile kubathengi nabani na abaphethe isigwebo malunga nawe ukuba ufuna ukuqinisekisa ukuba igcinwa kubaxhamli bakho. Awusenayo - ukuthembela kwakho, kwaye umboleki-mboleko okanye umnikazi wecala akakwazi ukuthatha impahla evela kunoma ubani okanye nayiphi na into engeyinkampani kumgwebo.
Imali yeTrust and Estate Properties
Ipropati oyithumele kwisiqinisekiso sokuphila esingaguqukiyo ayinakufaka isandla kwixabiso elibi lifa lakho kwiinjongo zerhafu. Njengoko ababolekisi bakho kunye nabagwebi abanakukwazi ukufikelela kuyo ngenxa yokuba ungasenayo, akukho Nkonzo yangaphakathi yeNgeniso yeRhafu engenayo ifa lakho kuyo - ngenxa yokuba ungasenayo kwaye, ngoko ke, ayinalo igalelo kwifa lakho.
Oku kunokuba luncedo xa unendawo enkulu kakhulu. Ngomhla we-2017, iziza ezixabiswe ngaphezu kwezigidi ezingama-5.49 zezigidi zixhomekeke kwiirhafu zomhlaba kwixabiso lemali yazo kule myingcele. Ingeniso yerhafu ephezulu ingama-40 ekhulwini. Lo mbundu, othiwa ukukhululwa, ukhonjiswe kwi-inflation kwaye iya kunyuka ngonyaka.
I-Trust engaguqukiyo kunye neeNzuzo zikaRhulumente
Iimpahla ozifumanayo zibalwe nxamnye neenjongo zokufumana izibonelelo ezithile zorhulumente, ezifana ne-Medicaid ne-Supplemental Security Income. Ngaphandle kokuba i-estate yakho ayikho indawo ephakamileyo ngokwaneleyo ukuba irhafu ye-estate ingaba yinkinga, ukutshintshwa kweempahla ngaphandle kobunini bakho kunokuphelisa ukuchithwa kwepropati yakho ukuhlawulela ukunakekelwa kwekhaya lononophelo kwiminyaka yakho emva. Ukuthembela okungenakuguqulwa nako kunokukhusela impahla kwiimfuno ezikhethekileyo zomntwana xa idizwe ngendlela enjengokukuphepha ukungazilungeli kuye izibonelelo ezikarhulumente ezibalulekileyo.
Iintlobo zeenkolelo ezingapheliyo
Ezi zithemba ziza kwiifom ezimbini ezibalulekileyo:
- Iingxowa zokuphila : Olu hlobo lokuthembela okungenakwenzeka, olubizwa nangokuthi "inter vivos" lithemba, lwenziwa kwaye luxhaswa ngumntu ngexesha lokuphila kwakhe. Imizekelo ibandakanya i- inshurensi ye-inshorensi yokuphila engaphenduliyo, iimbopheleleko zokuphila ezifana neendawo zokuhlala ezifanelekileyo , i- grantor igcinwe i-annuity trusts (i-GRAT efutshane), kunye neendawo zokufumana ixesha lokuphila (SLAT esifutshane). Kwakhona ziquka ukuzithemba okuncedo njengezinto zokuncedisa ezithembekileyo kunye neentembelelo zokunceda .
- Iintembeko zeTestamente : Zonke iinkolelo zeemfundiso zengqungquthela ayinakuguquguquka ngenxa yokuba azidalwanga kwaye zixhaswa ngemali emva kokufa kwabadali babo. Ezi zithemba zibekwe ngokwemiqathango equlethwe yintando yokufa. Akukho mntu kunye negunya lomthetho okanye ukukwazi ukutshintsha imiqathango ye-trustamentary trust usaphila ngexesha eliqalisa ukusebenza, ngoko ke ngokuzenzekelayo alinakuguquka, nangona oku akunjalo ngaphambi kokufa. Umniki-mvume unokulungisa ukuthanda kwakhe, ukuthabatha amalungiselelo enkcazo ye-testamentary, nangaliphi na ixesha ngexesha lokuphila kwakhe. Iyakwazi ukuchithwa ngempumelelo ngaphambi kokuba ikhona.
Inqaku malunga neenkolelo ezikhuselweyo
Nangona unako ukutshabalalisa okanye ukulungisa ukuthembela okuthekisayo nanini na ukhetha ukona nje ngokuba usengqondweni, izi themba azikhuseli kwiimfanelo zokugweba okanye ukuhlawulwa kweerhafu ngendlela engenakuthenjwa ngayo. Ngokwemeko yalo, ungazibuyisela kwakhona impahla oyifakayo kuyo nayiphi na ixesha. Ngoko-ke, umthetho ucinga ukuba usenayo loo propati, ngoko ke ukubaluleka kwayo kubalwa ukuba kube neenjongo zokufumana inzuzo ethile karhulumente.
Ukuthembela okuthe xaxa ngokuzenzekelayo kuya kuba yinto engaguqukiyo ekufeni kwakho ngenxa yokuba awusekho ukwenza utshintsho kuyo okanye uyisusa.