Living Trust motsutsana ndi Chifuniro

Kuyamba bizinesi ndi ntchito zoteteza chuma.

Phatikizani

Living Trust motsutsana ndi Chifuniro

A Living Trust ndi chikalata chomwe chili ndi maphwando atatu akuluakulu.

  1. Wokhazikika yemwe ali ndi chidaliro chokhazikitsidwa.
  2. Matrasti, yemwe amayang'anira chidaliro.
  3. Opindula omwe amapindula ndi kudalirika.

Ngati zikukhudzana ndi okwatirana, kukhulupilirana kumakhala kuti kunena kuti katundu wodalirana amapita kwa wokondedwayo, kenako kwa ana awo onse akamwalira. Kwa zigawo zazikulu, pali ma A / B Zikhulupiriro pomwe Trust A imasamutsa theka la katundu kuti lipite kwa yemwe atsala. Hafu inayi imalowa mu B trust ndipo mnzake wotsalayo amalandila ndalama kuchokera pa chikhulupiliro cha B. Onse akamwalira, Trust A ndi Trust B amasintha kukhala olowa m'malo, kuwonjeza kawiri kuchuluka komwe kungasamutsidwe msonkho wa estate.

Kodi Chifuniro ndi chiyani?

  • Dzinalo la wopereka omwe adzagwire ntchito ndi makhothi kuchita chifuniro.
  • Itha kutcha kuti oyang'anira ana aang'ono.
  • Malangizo a momwe mungalipire ngongole ndi misonkho.
  • Zoperekera nyama
  • Itha kuchita ngati chowonjezera pakukhulupirira amoyo
  • Mosiyana ndi kudalira kokhala ndi moyo, nthawi zambiri kumafuna kuchita
  • Ziyenera kukonzedwa kudzera kukhothi
  • Ndalama zotengera nthawi komanso zokwera mtengo zama probate ndi makhothi
  • Woweruza ayenera kuvomereza

Umu ndi momwe muyenera kuchitira osati gwiritsani ntchito:

  • Zowina pamayendedwe asinthidwe a malo (Fred ayenera kulandira digiri ya udokotala asanalandire akaunti yanga yasungidwe)
  • Malangizo okonzera maliro
  • Kusiya chuma kwa ziweto
  • Kupanga zosemphana ndi malamulo

Mapindu Atatu Otsatira

  1. Pewani kufufuza

    Makamaka ndi njira yovomerezeka yogawa katundu kuchokera kwa yemwe wamwalira kwa ena. Panthawiyi, makhothi amagawa zofunsa za malo. Nthawi zambiri, pamakhala ndalama za loya komanso mitengo yamilandu yomwe imakhudzana ndikutenga chikalata kudzera pa milandu. Kuphatikiza apo, iwo amene alandila ndalama za thato sangathe kulandira zonse zomwe amapeza nthawi yomweyo; mpakana khothi la milandu itavomereza kuti zigawike. Njira imeneyi imatha kumangiriza miyezi ingapo mpaka zaka zingapo.

    Ngati olowa m'malo anu akabweretsa kufuna kwanu kubanki yanu ndikuyesera kutulutsa ndalama mukamwalira banki siyingawalole kuti akhudze ndalamazo. Khothi la probate liyenera kupatsa banki chilolezo. Ndikukhulupilira komwe kumapangidwira moyenera, kumbali ina, ndi nkhani ina. Omwe mumawatchula mu trust amatha kupita ku banki, ndikubweretserani chikalata cha kudalirika kwanu komanso chizindikiritso chawo komanso satifiketi yanu ya kumwalira. Kenako amatha kutulutsa ndalama nthawi yomweyo malinga ndi mgwirizano wokhulupirira.

  2. Kuteteza mwalamulo

    Chitetezo pamilandu chitha kuperekedwa kwa anthu okwatirana ngati katundu watsekedwa pakati pazikhulupiriro ziwiri. Katundu wokhulupilika woyenera kwa mkazi atha kukhazikitsidwa pamachitidwe a bambo, mwachitsanzo.

  3. Kusintha malo anu

    Mutha kukhazikitsa zonse kapena gawo lalikulu la malo anu mutakhala kuti mukutsatira zigawo 2056 ndi 2041 ya msonkho wa IRS.

Kukhala ndi katundu kapena ndalama mukamakhala moyo wosasintha kumene sikutanthauza kuti musinthe fayilo yanu. Ndikusilira kwa inu mutavala chipewa chakuda. Mumangokhomera misonkho monga momwe mumakhalira kale musanakhulupilire.

Living Trust motsutsana ndi Chifuniro

Monga tafotokozera pamwambapa, chidaliro chamoyo chimapewa ntchito yodula komanso yotenga nthawi yambiri. Ndi chidaliro chamoyo, akakhazikika atamwalira kapena okhalamo atamwalira, opindula angalandire katundu wa trust popanda kupangitsa makhothi ndi maloya kuti achitepo kanthu. Izi zimasunga nthawi ndi ndalama; mwina ndalama zambiri.

Mayiko ena amalipiritsa ndalama zofunikira kwambiri, zomwe ndi ndalama zambiri zogulitsa malondawo. Izi ndi zomwe zikutanthauza. Mwachitsanzo, tinene kuti boma likulipiritsa mitengo yachiwiri ya (2%) ya chuma chonse. Mumalandira nyumba yokwana $ 2 miliyoni. Tiyerekeze kuti nyumbayo, mwanjira ina, ili ndi chindapusa cha $ 2 miliyoni chojambulidwa motsutsana nayo. Chifukwa chake, pali kufanana zero. Chifukwa chake, makhothi atha kutolera peresenti ya zolipira zonse za mundawo, kapena $ 40,000 mu zolipiritsa za nyumba yachiyanjano. Ngati nyumbayo idali yodalirika, inu (kapena olowa m'malo mwanu) mukadapulumutsa 40.

Ngati wina aphwanya lamulo, ndalama za loya zimatha kusokoneza. Ndizodabwitsa kuti nthawi zambiri nkhondo zoterezi zimasanduliza abale okonda kukhala adani. Tawona nkhondo zankhondo zomwe zayamba kulowa mamiliyoni a madola ndipo zakhala zikugwiritsa ntchito mankhwala osokoneza bongo kudutsa zaka zambiri.

Mwachidule, kuchokera ku zomwe takumana nazo, tapeza kuti zokhulupirira zamoyo zimatithandizira makasitomala athu kuposa zabwino monga chida chachikulu chokonzera kugulitsa nyumba. Imawasunga mutu waukulu, nthawi, inde ndalama. Chifukwa chake, timakhazikitsa chidaliro chamoyo ngati chida chachikulu. Kenako timakhazikitsa chida ngati chida chowonjezera pazinthu zomwe sizinayikidwe mwadala.

Momwe Mungayikitsire Katundu Wokhalamo Wokhulupirika

  1. Mumasintha mutu kukhala katundu. Mwachitsanzo mumapita ku banki yanu ndikubweretsa chikalata chanu chokhulupirira. Kenako mufunseni kuti akusungitsa akaunti yanu m'manja. Pazinthu zenizeni, mutha kulemba chikalata chosavuta chongoyimitsa zinthu ndikusintha malo kuchokera dzina lanu kukukhulupirirani. Nthawi zambiri, anthu amagwiritsa ntchito mtundu wina wa chidaliro womwe tonse a kudalirana kwa dziko kukhala ndi nyumba zogulitsa.
  2. Mumalemba malondawo pa “ndandanda” A."" Ndondomeko ya "A" ndi pepala lomwe nthawi zambiri limamangiriridwa kumbuyo kwa chidaliro chanu. Limangofotokoza za katundu yemwe mungakonde mutakhala mukukhulupirira. Mwachitsanzo, "Colombia china" kapena "Wotchi yakale yakale kwambiri yochokera ku Germany" kapena "My Hewlett Packard chosindikizira # JJ54436." Nthawi iliyonse mukasintha ndandanda yanu "A" ndibwino kuti ikhale nayo. Anthu ambiri amasintha ndandanda zawo “A” kamodzi pachaka kapena akagula zinthu zodula.

Nthawi zambiri zimakhala bwino kuchita zonse ziwiri pamwambapa ngati kuli kotheka. Mwachitsanzo, pemphani banki yanu kuti isinthe mutu ku akaunti yanu ya banki kukhala dzina la amene mumamukhulupirira. Kuphatikiza apo, mutha kulembera "Bank of America account # 00533-01242" pa ndandanda yanu "A." Izi ndizothandizanso kuwongolera olowa m'malo anu osiyanasiyana ku banki ndi maakaunti anu osungira ndalama.

Zosintha Kudalira Kwachikhulupiriro

Mutha kusintha chidaliro chanu chobwezeretsanso nthawi iliyonse. Mutha kukhala trastii. Matrasti ndi omwe amayendetsa chikhulupilirocho ndipo amakhala ndi ufulu wololeza malowo kuti athandizire munthu wina - kapena iye mwini. Matrasti amafunikanso kutsatira malangizo omwe afotokozedwa papepala lokhulupirika. Ndiye kuti, mutha kuwongolera chidaliro chanu. Mutha kusintha omwe akupindula monga momwe mungafunire. (Opindula ndi omwe amakulandirani ndalama zonse zomwe mumakhulupirira - nthawi zambiri mukamwalira.) Ngati mukufuna, mutha kukhala ndi munthu wina kapena kampani yokhala ngati trastii. Pazomwe zalembedwa, ayenera kugwira ntchito zomwe mukuziwongolera. Mutha kusinthanso kuti trastii ndi ndani nthawi iliyonse. Mutha kuyika ndalama kapena katundu pakukhulupirira kapena kuchichotsa kukukhulupirira.

Anthu ambiri omwe ali ndi nyumba zogulitsa malo amadziwika kuti ali ndi dzina lililonse. Kenako amakhala ndi kampani yomwe imapereka ma trustee ngati trastii. Chidacho chili ndi dzina lomwe silimayenderana ndi amene adakhazikitsa chidacho. Mwachitsanzo, Makampani Incorporate Trust # 24775. Chifukwa chake, ngati aliyense asaka dzina laudindo m'mabuku a anthu, dzina la iye yemwe ali ndi phindu mu chumacho silipezeka.

Kuteteza Zinthu ndi Kulinganiza Nyumba

Kukhala ndi katundu munyumba yakusinthika sangakupatseni chitetezo chokwanira kuposa kukhala ndi malo omwewo m'dzina lanu. Ichi ndichifukwa chake ambiri amagwiritsa ntchito chidaliro chamoyo kuphatikiza ndi chida choteteza chuma. Anthu ambiri amakhala ndi udindo pamaubwenzi awo ochepa kapena ma MDS kuwadalira. Mwachitsanzo, makolowo amakhala ndi chidwi cha 15% chonse pakukhulupirira kwawo. Kenako ana awo amagawana nawo mgwirizano wotsalira wa 85%.

Kudalirana kwamoyo sikumatiteteza ku ziwopsezo za eni. Mgwirizano wophatikizidwa bwino kapena LLC ingathe (onani pamwambapa). Kenako, mukamwalira, mgwirizano wanu / chiwongolero chanu chimatha kupita kwa omwe mumawatchula, monga ana anu. Ndipo imatero popanda kutsatira njira zodula komanso zowononga nthawi zambiri.

Tikukulimbikitsani kuti muwerengenso zonse mwakukhulupirira mwatsatanetsatane ndi katswiri wodziwa kukonza malo. Chitani izi musanayambe kugwiritsa ntchito chuma chanu kapena / kapena dongosolo la ndalama. Malamulo amasintha nthawi ndi nthawi ndipo zosowa zanu zingasiyane. Mutha kugwiritsa ntchito manambala ndi fomu yofunsira patsamba lino kuti mudziwe zambiri.