I-Living Trust ihambisana nentando

Ukuqala kwebhizinisi nezinsizakalo zokuvikela impahla.

Thola Ukuhlanganiswa

I-Living Trust ihambisana nentando

I-Living Trust ingumbhalo oqukethe amaqembu amathathu aphambili:

  1. Indawo yokuhlala ethembekile eye yasungulwa.
  2. Umphathi olawula ukwethenjwa.
  3. Abahlomulayo abazuza ethembeni.

Uma kuhilela umbhangqwana oshadile, ukwethembana okuphilayo kungasho ukuthi izimpahla zokwethenjwa ziya kumlingani osindile, bese ziya ezinganeni zabo lapho zidlula zombili. Ngokwesilinganiso esikhulu, kukhona ama-A / B Ama-Trustee lapho i-Trust A idlulisa uhhafu wezimpahla ukuya kumlingani osindile. Le enye ingxenye ingena kwi-B trust futhi oshade naye osindile uthola imali yokutshala imali kwi-B trust. Lapho bobabili befa, i-Trust A ne-Trust B idlulisela kuzindlalifa, iphinda kabili inani elingadluliswa ngentela yamafa.

Uyini umThetho?

  • Igama lomabi wecala elizosebenzisana nezinkantolo ukwenza intando.
  • Kungabiza ababheki bezingane ezincane.
  • Imiyalo yokuthi ungazikhokha kanjani izikweletu nezintela zentela.
  • Ukuhlinzekwa kwezilwane
  • Ingenza njengesengezo trust ethembekile
  • Ngokungafani nokwethembana okuphilayo, kwesinye isikhathi kudla isikhathi
  • Kufanele kucutshungulwe enkantolo
  • Izimali ezikhokhisa isikhathi futhi ezibizayo zezindleko zenkantolo
  • Ijaji kufanele likuvume

Nakhu okufanele ukwenze hhayi sebenzisa umyolelo:

  • Izimo ezichazayo ngokudluliselwa kwepropathi (uFred kufanele athole iziqu zobudokotela ngaphambi kokuthola i-akhawunti yami yokonga)
  • Imiyalo yokuhlelwa komngcwabo
  • Kushiya impahla ezifuywayo
  • Ukwenza amalungiselelo kuphambene nomthetho

Izinzuzo ezintathu Eziyinhloko Zokuphila Okuthembekile

  1. Gwema i-probate

    Inqubo inqubo esemthethweni yokusabalalisa impahla kusuka koyedwa ofile kwabanye. Ngesikhathi kuqhubeka inqubo, izinkantolo zisabalalisa izimangalo zokuxazululwa kwempahla. Esikhathini esiningi, kukhona imali yabameli kanye nezindleko zasenkantolo ezihambisana nokuthatha umyolelo nge-probate. Ngaphezu kwalokho, labo abazothola imali yentando ngeke bakwazi ukuthola leyo misebenzi ngokushesha; kuze kube yilapho inkantolo yezamajaji ivume ukusatshalaliswa. Le nqubo ingabopha imali etholwayo kusuka ezinyangeni ezimbalwa iye eminyakeni ethile.

    Uma izindlalifa zakho ziletha intando yakho ebhange lakho futhi zizama ukukhipha imali ngemuva kokushona kwakho, ibhange ngeke libavumele ukuthi bathinte imali. Inkantolo yamacala kufanele inikeze imvume yasebhange. Ngokuthembela okuhle okwenziwe kahle, ngakolunye uhlangothi, kuyindaba ehlukile. Labo obaqambe ethembeni ngokujwayelekile bangaya ebhange, balethe ikhophi yokwethenjwa kwakho kanye nesitifiketi sabo sokufa. Ngemuva kwalokho bangakhipha imali ngokushesha ngokuya ngesivumelwano sokuthembana.

  2. Ukuvikelwa komthetho

    Ukuvikelwa komthetho kunganikezwa abantu abashadile lapho impahla ibanjwa phakathi kwama-trust amabili. Izimpahla zokwethenjwa kahle umfazi zingafakwa kwizenzo zomyeni, ngokwesibonelo.

  3. Ukuhambisa impahla yakho

    Ungavikela yonke indawo noma ingxenye enkulu yefa lakho uma usuhambisane nezigaba 2056 ne-2041 zekhodi yentela ye-IRS.

Ukuba nempahla noma imali ethembeni lakho elinokuphinda libuyele emuva akudingi ukuthi ushintshe ukufayilwa kwakho kwentela yenhlangano. Kuyamangaza kuwe ugqoke isigqoko esinemibala ehlukile. Umane ufakele izintela zakho njengoba wenza ngaphambi kokwethembana kwakho.

I-Living Trust ihambisana nentando

Njengoba kushiwo ngenhla, i-trust ephilayo igwema inqubo ebizayo futhi edla isikhathi. Ngokuthembela okuphilayo, uma nje abahlali befa noma abahlali befa, abazuzayo bangathola impahla ethembekile ngaphandle kokuthola izinkantolo nabammeli ababandakanyekayo kule nqubo. Lokhu kusindisa isikhathi nemali; mhlawumbe imali eningi.

Ezinye izifundazwe zikhokhisa izindleko ezinkulu ze-probate, okuyisipesenti senani elikhulu lefa. Nakhu okusho ukuthi. Isibonelo, ake sithi umbuso ukhokhisa imali ekhokhwa amaphesenti amabili (2%) yefa lomhlaba. Udla ifa lekhaya eliyizigidi ezingama- $ 2. Ake sicabange ukuthi lelo khaya, ngandlela thile, linokubanjiswa kwempahla yezigidi ezingama- $ 2 elibhalwe ngokumelene nalo. Ngakho-ke, kukhona zero zero. Ngakho-ke, izinkantolo zingakwazi ukuqoqa amaphesenti amabili wempahla ebaluleke kakhulu, noma u- $ 40,000 ngemali ekhokhwayo kuleliya khaya elingalingani. Ukube ikhaya belikuthembana eliphilayo, wena (noma izindlalifa zakho) ubuyobe usindise amashumi amane amahle.

Uma umuntu ephikisana nentando, izinkokhelo zommeli zingamangaza. Kuyamangaza ukuthi izimpi zamafa zingashintsha kangaki izelamani zothando ukuba izitha ezifayo. Sizibonele izimpi zezakhiwo ezingene ezigidini zamaRandi futhi sekudlule amashumi eminyaka izidakamizwa zidla izidakamizwa ezinkantolo.

Ngokufingqa, kokuhlangenwe nakho, sithole ukuthi ama-trust trust akhonza amakhasimende ethu kangcono kakhulu kunentando njengethuluzi lokuhlela impahla. Ibasindisa kakhulu bekhanda, isikhathi, yebo, imali. Ngakho-ke, ngokujwayelekile simisa ukwethenjwa okuphilayo njengethuluzi eliyinhloko. Ngemuva kwalokho simisa isivumelwano njengethuluzi elingezelelweyo lalezo zinto ezazingafakwanga ngokungathembeki ethembeni.

Ungayibeka Kanjani Impahla Ethembisweni Oluphilayo

  1. Uguqula isihloko sibe impahla. Isibonelo, uya ebhange lakho ulethe idokhumenti yakho ethembekile. Ngemuva kwalokho ucela umphathi webhange ukuthi adlulisele ama-akhawunti akho ukwethembana. Okwempahla yangempela, ungagcwalisa itayitela lesimangalo esilula futhi udlulise impahla yakho ethengiswayo kusuka egameni lakho uye ethembeni lakho. Imvamisa, abantu bazosebenzisa olunye uhlobo lokuthembela sonke a ukuthembana komhlaba ukuba nempahla ethengiswayo.
  2. Ubhala leyo ndawo ku “schedule” A'"Isheduli engu-" A "ucezu lwephepha elivame ukunamathiselwa ngemuva kwethembekile lakho. Imane ichaze impahla ongathanda ukuba ifakwe ekuthengeni kwakho. Isibonelo, "Ikhabethe ye-brown china" noma "Iwashi elidala elibomvu elivela eJalimane" noma "Imodeli yephrinta yami i-Hewlett Packard # JJ54436." Njalo uma ushintsha uhlelo lwakho ngokuthi “A” kungcono ukuthi nalo lubhalwe phansi. Abantu abaningi bavuselela uhlelo lwabo “A's” kanye ngonyaka noma lapho bethenga izinto ezibizayo.

Ngokuvamile kuhle ukukwenza kokubili okungenhla lapho kunokwenzeka. Isibonelo, cela ibhange lakho ukuthi liguqule isihloko kwi-akhawunti yakho yasebhange libe igama lethemba lakho. Ngokwengeziwe, ungabhala "i-akhawunti yeBhange LaseMelika # 00533-01242" kuhlelo lwakho "A." Lokhu kuyasiza futhi ukuqondisa izindlalifa zakho kuma-akhawunti akho ahlukahlukene asebhange nawokutshala imali.

Iyabuyiselwa Ukuphila Okuthembekile

Ungaguqula ukwethembana kwakho okuphilayo okungaphendukelayo nganoma yisiphi isikhathi. Ungaba trustee. Umphathi uyena ophethe ukwethenjwa futhi ophethe impahla esemthethweni kuleyo ndawo ethembeni ukuze kusizakale omunye umuntu - noma yena. Umphathiswa uyacelwa futhi ukuba alandele izinkomba ezichazwe kumbhalo we-trust. Okusho ukuthi, ungalawula ukwethembana kwakho. Ungashintsha abazuzi kaningi ngendlela othanda ngayo. (Abahlomulayo yilabo abathola imali ethembekile kuwe - imvamisa ekufeni kwakho.) Uma uthanda, ungaba nomunye umuntu noma inkampani yenkampani njengethrasti. Ngumbhalo wokuthenjwa, ngokuvamile kufanele enze imisebenzi engaphansi kokuqondisa kwakho. Ungaguqula futhi ukuthi ngubani ophethe noma ngubani noma ngasiphi isikhathi. Ungabeka imali noma impahla ethembeni lakho noma uyikhiphe ethembeni lakho.

Abantu abaningi abanobunikazi bezindawo zokuhlala babiza impahla ngayinye ngegama ukwethenjwa okuhlukile. Bese babe nenkampani enikezela ngezinsizakalo ze-trustee bangene njenge-trustee. I-trust inegama elingahlotshaniswa nalowo owayethembekile wamiswa. Isibonelo, Izinkampani Incorporate Trust # 24775. Ngakho-ke, uma umuntu enza ucwaningo ngesihloko kumarekhodi asesidlangalaleni, igama lalowo onenzalo enzuzweni ayiveli.

Ukuvikelwa Kwezimpahla Nokuhlelwa Kwezakhiwo

Ukuba nempahla ethembeni eliphilayo elingaguqukiyo akukunikeli okunye ukuvikelwa kwecala okungaphezulu kokuba nempahla efanayo ngegama lakho. Kungakho abaningi besebenzisa ukuthembela okuphilayo kuhlangene nedivayisi yokuvikela impahla. Abantu abaningi babamba izihloko kubambiswano lwabo olulinganiselwe noma ama-LLC abathembekile. Isibonelo, abazali babamba intshisekelo yabo yokubambisana ye-15% ngokuthembekile kwabo. Ngemuva kwalokho izingane zabo zabelana ngenzalo esetshenzisiwe yomkhawulo we-85%.

Ukuthembana okuphilayo akunikeli ukuvikelwa kwempahla emacaleni omuntu siqu. Ukubambisana okulinganiselwe okuhle noma i-LLC ((bheka ngenhla). Ngemuva kwalokho, lapho ushona, ukubambisana kwakho okuvamile / Intshisekelo yabaphathi yakho ingaya kulabo obabizayo, njengezingane zakho. Futhi ikwenza ngaphandle kokudlulela kwinqubo ebizayo nechitha isikhathi ye-probate.

Sincoma kakhulu ukuthi ubuyekeze wonke ama-trust ngokuningiliziwe uchwepheshe onolwazi wokuhlela izakhiwo. Yenza lokho ngaphambi kokuzisebenzisa ezinhlelweni zakho kanye / noma kwezezimali. Imithetho iyahlukahluka futhi iyaguquka ngezikhathi nezidingo zakho ezithile zingahluka. Ungasebenzisa izinombolo nefomu lokubuza kuleli khasi ukuthola eminye imininingwane.