Ziziphi iiAfa ezingenziNkqubo?

Ipropate engeyiyo yePropate ikhusela iNgxowa-mboleko eninzi

Impahla engeyiyo ingxaki yintlobo ekhethekileyo yepropathi engayi kudingeka ukuba ihambe kwinkqubo yovavanyo emva kokufa kwaye iya kuthi idlule ngqo kwiindlalifa zakho. Ukufumana ipropati engeyiyo ingxaki yenye yeendlela ezilula ukukhusela ingxaki echanekileyo kunye nexesha lokuchitha ixesha. Ipropati engekho-probate iya kubakho kwiindlalifa zakho ngaphakathi kwexesha elifutshane emva kokufa kwakho xa izindlalifa zakho zifumana isatifikethi sokufa.

ILizwi Lokulumkisa NgePropati Engenayo Iprobate

Nangona ukuphepha ukuvavanywa kungathi kubonakala ngathi umgangatho omuhle, ngezinye ipropati engeyiyo ingxaki iya kugqitywa kwizandla zabaxhamli, okanye ukugqithiseleyo kodwa, ngababolekisi, awunenjongo yokuba nayo. Umzekelo, ukuba unayo i- akhawunti yebhanki ngokubambisana nomnye wabantwana bakho (siza kumbiza ngokuthi Sue) kodwa unabantwana abathathu, kwaye ufuna ukuba bonke abathathu bazuze ifa lepropati yakho, esikhundleni sokuba i- akhawunti edibeneyo iya kudlula i-100% ukuya Sue emva kokufa kwakho kwaye uya kuba phantsi koxanduva lokusemthethweni ukwahlula i-akhawunti kunye nabanye abantwana bakho ababini. Kwakhona kufuneka uqaphele ukuba ukuba uSue utshatile kwaye uhlukanisa okanye unomgwebo kuye, ngoko umyeni wakhe okanye umbolekisi ngesigwebo angazama ukubamba impahla egcinwe kwi-akhawunti yakho yasebhanki. Ngaloo ndlela, ipropati engeyiyo ingxaki kufuneka isetyenziswe kuphela emva kokuqonda kakuhle ngubani oza kuyigcina emva kokuba ufe kunye nemiphumo yomthetho yokongeza abanikazi kwii-akhawunti okanye kwiintengiso zezindlu .

Ngokuqhelekileyo, kukho iintlobo ezintandathu ezahlukileyo zeempahla ezingezizo ezichazwe ngokucacileyo ngezantsi.

Iintlobo zee-Asset-Probate Assets

1. Iimpahla oziphetheyo kwigama lakho kuphela kodwa uhlawulelwa ekufeni (POD) , ukudluliselwa ekufeni (TOD) , okanye kwi-trust ye (ITF) yokuqokwa kuya kuphepheka emva kokufa. Iquka iiAkhawunti ze-Savings Health kunye noTshintsho ekufeni okanye kwiZenzo zoNcedo ezifumaneka kwiindawo ezimbalwa. Nangona kunjalo, ukuba bonke abaxhamliweyo abaxhamliweyo baqulunqa i-akhawunti okanye umnini-propati, ke i-akhawunti okanye i- real estate kuya kufuneka iphumelele.

1. Ii-asethi ozibandakanye ngokubambisana neqabane lakho okanye abanye, njengomntwana okanye umntakwabo, ngamalungelo okusinda ( abaqeshi ababambene namalungelo okusinda, okanye i-JTWROS) baya kuphephelwa emva kokufa.
2. Impahla oyiyo kunye neqabane lakho ngohlobo olukhethekileyo lobunikazi obambiseneyo obonwe kwamanye amazwe kuthiwa abaqeshi ngokubanzi (okanye i-TBE) baya kuphephelwa emva kokufa.
3. Ii-asethi eziphantsi kwe- Your Revocable Living Trust ngexesha lokufa kwakho ziyakuphepha ukuvavanya emva kokufa. Iimpahla ezingekho kwithemba lakho ngexesha lokufa kwakho kodwa zihlala kwigama lakho ngabanye ngaphandle kohlobo oluthile lwabaqeshwe abaxhamliweyo aluyi kuphephelwa emva kokufa.
4. Iimpahla apho ugcina khona indawo yokuhlala , kwaye intsalela idlulela kumntu ongekho oncedo ongekho oncedo ngaphandle kwakho, kuquka i-propati ekhoyo kwilizwe elithile nge- intengiso yezinto zokuphila , iya kuphepheka emva kokufa.
5. Ii-asethi eziphantsi kwakho ngamalungelo enkontileka ezihlawulwa kumxhamli otyunjwe emva kokufa kwakho, kubandakanywa nemigaqo-inshorensi yobomi , i-IRAs, i-401 (k) kunye ne-annuities, iya kuphephelwa emva kokufa. Nangona kunjalo, ukuba bonke abaxhamliweyo abaxhamliweyo naliphi na le ntlobo yeefa-mhlaba baqulunqa umnikazi we-akhawunti, ngoko i-asethi iya kufuneka iphumelele.