Ithemba eliphilayo vs. umyolelo

Ukuqala kweshishini kunye neenkonzo zokukhusela iiasethi zobuqu.

Fumana

Ithemba eliphilayo vs. umyolelo

I-Living Trust luxwebhu oluquka amaqela amathathu aphambili:

  1. Indawo yokuhlala ethembekileyo ethe yasekwa.
  2. Itrasti elawula ukuthembana.
  3. Abaxhamli abaxhamlayo kwi-trust.

Ukuba kubandakanya isibini esitshatileyo, ukuthembana okuphilayo kuya kuthetha ukuba ukuthembana kuya kwiqabane elisaphilayo, emva koko kubantwana babo xa bobabini bedlula. Kumanani amakhulu, kukho iiTrasti ze-A / B apho iTrust Idlulisela isiqingatha sepropathi ukuya kwiqabane elisaphilayo. Elinye icala liya kwi-B trust kwaye iqabane elisindayo lifumana umvuzo wokugcina imali kwi-B trust. Xa bobabini beswelekile, iTrust A kunye neTrust B idlulisela kwiindlalifa, iphinda-phinde imali enokudluliselwa kwirhafu yasimahla.

Yintoni uMyolelo?

  • Igama eligwetyiweyo eliza kusebenza kunye neenkundla ukwenza lo mthetho.
  • Isenokuthi amagama abagcini babantwana abancinci.
  • Imiyalelo yokuhlawula amatyala kunye namatyala erhafu.
  • Ulungiselelo lwezilwanyana
  • Unokusebenza njengesongezelelo kwintembeko ephilayo
  • Ngokungafaniyo nentembeko ephilayo, kudla ixesha elininzi ukuyenza
  • Kufuneka kusetyenzwe kwinkundla yamatyala
  • Imali echitha ixesha kunye neendleko ezixabisekileyo ze-probate kunye neendleko zenkundla
  • Ijaji kufuneka ivume

Nantsi indlela ofanele wenze ngayo hayi Sebenzisa umyolelo:

  • Ukuchaza iimeko xa kuthunyelwa ipropathi (uFred kufuneka afumane isidanga sobugqirha ngaphambi kokufumana i-akhawunti yam yokonga)
  • Imiyalelo yokulungiselela umngcwabo
  • Ukushiya ii-asethi kwizilwanyana zasekhaya
  • Ukwenza amalungiselelo ngokuchasene nomthetho

IziBonelelo eziNtathu zokuPhila eziphambili

  1. Kulumkele ukubonakala

    Inkqubo esekwe ngokusemthethweni yokuhambisa ipropathi yomntu osweleke kwabanye. Ngexesha lenkqubo, iinkundla zisasaza amabango okusombulula iipropathi. Ubukhulu becala, kukho imirhumo yamagqwetha kunye neendleko zenkundla ezinxulumene nokuthatha umyolelo ngomhlaba. Ukongeza, abo bayakufumana inkcitho yomyolelo abanakukwazi ukuyifumana kwangoko loo mali; kude kube inkundla yamatyala ivume ukuhanjiswa. Le nkqubo inokubopha imali efumanekileyo ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka eliqela.

    Ukuba iindlalifa zakho zizisa umyolelo wakho ebhankini kunye nokuzama ukukhupha imali emva kokuba uswelekile, ibhanki ayiyi kubavumela ukuba bachukumise imali. Inkundla yamatyala kufuneka inike imvume yebhanki. Ngokuthenjwa ngokufanelekileyo okuqinisekileyo kokuphila, kwelinye icala, ibali ezahlukeneyo. Abo ubabize ngegama kwi-trust banokuya ngqo ebhankini, uze nekopi yokuthenjwa kunye nesazisi kunye nesatifikethi sokusweleka. Emva koko banokukhupha imali ngokukhawuleza ngokungqinelana nesivumelwano sethemba.

  2. Ukukhusela umthetho

    Ukhuseleko lwezomthetho lunokunikwa abantu abatshatileyo xa iimpahla zibanjwe phakathi kweetrasti ezimbini. Ii-asethi ezithembiswe ngokufanelekileyo kumfazi zinokufakwa kwizenzo zomyeni, umzekelo.

  3. Ukutshintshela impahla yakho

    Unokugcina yonke indawo okanye indawo enkulu yepropathi yakho xa sele uthobele icandelo 2056 kunye ne-2041 yikhowudi yerhafu ye-IRS.

Ukuba nepropathi okanye imali kwi-trust yakho enokuphinda ibuyiselwe akufuneki ukuba uguqule ukugcwalisa kwakho kwirhafu. Kuyinto enomdla kuwe unxibe umnqwazi wombala owahlukileyo. Ngokulula ugcwalisa iirhafu zakho ngendlela owawusenza ngayo ngaphambili.

Ithemba eliphilayo vs. umyolelo

Njengoko kuchaziwe apha ngasentla, ukuthembela okuphilayo kuyayiphepha inkqubo ebiza ixesha elininzi kunye nokuchitha ixesha. Ngentembeko ephilayo, nje ukuba abo basweleyo basweleka okanye abahlali bathi basweleke, abo bafumana izibonelelo banokufumana ii-asethi zokugcina izinto ngaphandle kokufumana iinkundla kunye namagqwetha abandakanyekayo kwinkqubo. Oku konga ixesha nemali; kunokwenzeka ukuba imali eninzi.

Amanye amazwe abiza umrhumo obalulekileyo wokuhlawulwa kwemali, eyipesenti yexabiso elipheleleyo lokurhweba. Nantso into ethethayo. Umzekelo, masithi urhulumente uhlawulisa iifizi ezimbini zeepesenti (2%) yexabiso elipheleleyo. Ilifa lekhaya le-2 yezigidi zeedola. Masicinge ukuba elo khaya, ngandlela thile, linobambiso lwe- $ 2 yezigidi zeerandi elibhalwe ngokuchasene nalo. Ke, akukho zero ilinganayo. Ke, iinkundla zinokuqokelela ipesenti ezimbini zexabiso elininzi lendawo, okanye i- $ 40,000 kwimali yokuthenga ityala kwikhaya lokulingana zero. Ukuba ikhaya lisekwethembeni eliphilayo, wena (okanye iindlalifa zakho) ngewusindise amashumi amane okuhle.

Ukuba umntu uphikisana nomyolelo, iifizi zegqwetha linokuphazama. Kuyamangalisa ukuba kaninzi kangakanani loo mlo welifa unokuguqula abantwana baso abanothando babe ziintshaba zabo. Sizibonele iimfazwe zepropathi eziye zangena kwizigidi zeedola zaza zathekiswa ziinkundla zamatyala iinkundla amashumi eminyaka.

Isishwankathelo, kumava, sifumene ukuba iitrasti zokuhlala zikhonza abathengi bethu ngcono kuneentando njengesixhobo sokucwangciswa kwepropathi. Iyabasindisa entloko enkulu, ixesha, ewe, imali. Ke, ngokwesiqhelo simisela ukuthembana okuphilayo njengesixhobo esiphambili. Emva koko sibeka umyolelo njengesixhobo esongezelelayo kwezo zinto zingabekwanga zingathenjwanga.

Uyibeka Njani Ipropathi kwiTrasti ephilayo

  1. Utshintsha isihloko kwepropathi. Umzekelo uya ebhankini yakho kwaye uza nexwebhu lokuthemba. Emva koko ucela umgcini webhanki ukuba agqithisele iiakhawunti zakho kwi-trust. Kwisakhiwo nomhlaba, unokugcwalisa "itayitile yebango" ngokulula kwaye utshintshele kwi-real estate yakho ngegama lakho. Rhoqo, abantu baya kusebenzisa olunye uhlobo lokuthemba sonke ukuthembana komhlaba Ubunini bezinto nomhlaba
  2. Uluhlu lwepropathi luhlengahlengiso'"Ishedyuli u" A "sisiqwengana sephepha elihlala lixhonywe ngasemva kwethemba lakho. Ichaza kuphela ipropathi ongathanda ukuba ibandakanywe kwi-trust yakho. Umzekelo, "ikhabin china emdaka Abantu abaninzi bahlaziya ishedyuli yabo "yee-A" ngonyaka okanye xa bethenga izinto ezibizayo.

Kudla ngokuba kuhle ukuzenza zombini ezi zinto zingasentla xa kunokwenzeka. Umzekelo, cela ibhanki yakho ukuba itshintshe isihloko siye kwiakhawunti yakho yebhanki ibe segama lakho. Ukongeza, ungadwelisa "iakhawunti yeBhanki yaseMelika # 00533-01242" kwishedyuli yakho "A." Oku kuluncedo ngakumbi ukukhokela iindlalifa zakho kwiiakhawunti zakho zebhanki kunye notyalo-mali.

Inokubuyiselwa Ukuthembela Phila

Ungayitshintsha ukuthembela kwakho okuphilayo kwakhona nangaliphi na ixesha. Ungangumphathiswa. Itrasti ngulowo ulawula i-trust kwaye ubambe itayitile esemthethweni kwipropathi ethembekileyo ukuze kuxhamle omnye umntu - okanye yena. Itrasti iyacelwa ukuba ilandele umkhombandlela ochazwe kuxwebhu lwetrasti. Oko kukuthi, unokulawula ukuthembela kwakho. Unokutshintsha abaxhamli amaxesha amaninzi njengoko uthanda. (Abaxhamli ngabo bafumana umvuzo wentembeko yakho - ngesiqhelo ekufeni kwakho.) Ukuba uyathanda, unganomnye umntu okanye inkampani njengenkampani yetrasti. Ngamaxwebhu ethembiso, ayakwazi ukwenza imisebenzi ephantsi kolawulo lwakho. Ungatshintsha nokuba ungubani na umntu oliphetheyo nangaliphi na ixesha. Ungayibeka imali okanye ipropathi kwi-trust yakho okanye uyikhuphe kwi-trust.

Uninzi lwabantu abanepropathi yokubambisa bethengisa ipropathi nganye ngegama ngalinye abathembekileyo. Ke banenkampani ebonelela ngeenkonzo zetrasti ezime njengetrasti. I-trust inegama elingadibananga nalowo wayenethemba lokuseta. Umzekelo, iNkampani Incorporate Trust # 24775. Ke, ukuba nabani na uphendla ngesihloko kwiirekhodi zikawonke-wonke, igama lakhe elinomdla wenzuzo kwipropathi aliveli.

Ukukhuselwa kweeasethi kunye noCwangciso lweeNdawo

Ukuba ngumnini wepropathi ethembisayo enokubuyisa akuwuniki nakuphi na ukhuseleko loqobo kunokuba unepropathi ngegama lakho. Kungenxa yoko uninzi lusebenzisa ukuthembela okuphilayo ngokudityaniswa nesixhobo sokukhusela iiasethi. Uninzi lwabantu lubamba isihloko kubudlelwane babo obulinganiselweyo okanye ii-LLC ngokuthembela kubo. Umzekelo, abazali babambelele kwi-15% yabo ngokubanzi yokudibana inomdla wokuthembana kwabo. Ke abantwana babo babelana ngenzala eseleyo ye85%.

Ithemba eliphilayo aliboneleli ngokhuseleko lwezinto kwimithetho yomntu. Ubambiso olulungiselelwe ngokufanelekileyo okanye i-LLC inokuthi (jonga ngentla). Ke, xa udlula, intsebenziswano yakho ngokubanzi / inzala yolawulo iya kwabo ubabizayo, njengabantwana bakho. Kwaye ikwenza oko ngaphandle kokuhamba kwiinkqubo ezibizayo kunye nokuchitha ixesha.

Sincoma kakhulu ukuba ujonge zonke iitrasti ngenkcukacha zolwazi zocwangciso mali. Yenza oko ngaphambi kokuyisebenzisa kwilifa lakho kunye / okanye kwisicwangciso sezemali. Imithetho iyahluka kwaye itshintshe amaxesha ngamaxesha kwaye iimfuno zakho ezithile zinokwahluka. Ungasebenzisa amanani kunye nefom yokubuza kweli phepha ukufumana ulwazi oluthe kratya.