Dzidza Nezve Per Stirpes uye Per Capita Distributions

Kana zvinosvika kumagariro ekugadzirisa nzvimbo , maviri iwe waunoda kuti uzive nawo ndewe "kuputika" uye "per capita." Aya ndiwo mazwi echiLatini ayo anowanzoshandiswa muDzidziso Yokupedzisira uye Testaments uye Revocable Living Trusts kurondedzera kuti pfuma inofanira kusara kune vatsigiri vako.

Per Stirpes

"Kuputika" kunoreva kutora "nekumiridzirwa" kana "nekirasi." Munharaunda yekugadzirisa nzvimbo, izvi zvinoreva kuti kana vanowanikwa vachizogoverana mukugoverwa "pamagetsi," ipapo nhengo inorarama mukirasi yevatsigiri avo pedyo nehukama kune munhu ari kugovera achapiwa mugove wakaenzana.

Zvisinei, kana nhengo yekirasi yevatsigiri avo vari pedyo neukama kune munhu ari kugovera yakafa uye vakaponeswa nembeu ipi zvayo, ipapo vana vafa vanozofa vanozotora "nekumiririra" izvo mubereki wavo akafa angave atora.

Nzira yakareruka yekutsanangura iyo pfungwa ndeye mienzaniso mishomanana. Ngatifungei zvinotevera:

1. Une vana vatatu, Ann, Bart, uye Carl
2. Ann ane vana vaviri, Drew naEvha
3. Bart, Carl, Drew naEvha vose havana vana

Kana Kuda Kwako neTestamende kana Revocable Living Trust inotaura kuti iwe pfuma yako inofanira kugoverwa kune wako "ipapo zvizvarwa zvinorarama, kuburikidza," ndizvo zvinoitika mumamiriro akasiyana-siyana:

• Funga kuti Ann, Bart, Carl, Drew naEvha vese vakapukunyuka iwe:

1. Ann, Bart, naCar mumwe nomumwe achagamuchira mugove wechitatu
2. Drew naEvha havangagamuchiri chinhu

• Funga kuti Ann akakutadzisa iwe naBart, Carl, Drew naEvha vose vakapona iwe:

1. Bart naCar vachagamuchira umwe wega wega wega
2. Drew naEvha mumwe nomumwe achagamuchira chikamu chimwechete; ivo vanotora mumiririri uye muzvikamu zvakaenzana izvo Ann angadai akazvitora: 1/3 akaparadzaniswa na2 = 1/6 mumwe nomumwe

• Funga kuti Ann, Carl, Drew naEvha vose vakapona iwe uye Bart akakutadzisa iwe:

1. Ann naCar vachagamuchira mumwe nomumwe mugove we22; chikamu hachizogadziriswa kuna Bart sezvo akakufananidza iwe uye haana kuponeswa nemarudzi ose

1. Drew naEvha havangagamuchiri chinhu

• Funga kuti Ann naDrew vakakugadzirirai iwe naBart, Carl naEvha vese vakapukunyuka iwe:

1. Bart naCar vachagamuchira umwe wega wega wega
2. Evha achagamuchira mugove wechitatu; iye anotora nekumiririra izvo Ann angadai akazvitora uye hapana chikonzero chekugadzira chikamu kuna Drew sezvo akakufananidza iwe uye haana kuponeswa nemarudzi ose

"Kuputika" kunoshandiswa muhupfumi kuronga kuvhara zvese zvidzidzo mumamiriro ezvinhu emhuri kuitira kuti usafanirwa kumhanyisa kuti uone gweta rako rekugadzirisa zvivako nguva imwechete kana mwana kana mumwe mupi wekugadzirira iwe. vanoda chimiro chechimiro ichi sechikamu cherongwa hwemigwagwa yako , kutanga, ipapo iwe uchada kuita kuti zvinangwa zvako zvijekese kwazvo kune gweta rako.

Kune rumwe rutivi, kana mwana kana mumwe munhu anobatsiridzirwa iwe uye iwe hausati wava kuda kuti chimiro chechimiro chekushandisa, saka iwe unofanira kuchinja hurongwa hwako. Apa ndipo panoshandiswa zvirongwa zvekugadzirisa nzvimbo yegore negore.

Per Capita

Kusiyanisa "pamakumbo" kusvika kune "per capita," izvo zvinoreva kutora "nehuwandu hwemusoro" kana kuti "nehuwandu hwevanhu." Mukugadzirisa nzvimbo yekugadzirisa nzvimbo, izvi zvinoreva kuti kana vanobatsiri vari kugovera mukugovera "per capita , "Ipapo nhengo dzose dzehupenyu dzeboka rakatarwa dzichawana mugove wakaenzana.

Zvisinei, kana nhengo yeboka rakatsvaga yafa, zvino mugove haungasarudziki kune nhengo yakafa uye yese yezvikamu zvevamwe nhengo ichawedzerwa zvakakodzera.

Sezvo nekutsanangura "pamakumbo ose," nzira inonyoresa yekunzwisisa pfungwa iyi ndeye mienzaniso mishomanana. Kana zvinhu zvakafanana zvakataurwa pamusoro apa zvichifungidzirwa, uye yako yekupedzisira neTestamende kana Revocable Living Trust inotaura kuti pfuma yako inofanira kugoverwa kune yako "zvizvarwa zvinorarama, per capita," ndizvo zvinoitika mumamiriro ezvinhu akafanana akarondedzerwa pamusoro apa:

• Funga kuti Ann, Bart, Carl, Drew naEvha vese vakapukunyuka iwe:

1. Ann, Bart, Carl, Drew naEvha mumwe nomumwe achapiwa mugove we55

• Funga kuti Ann akakutadzisa iwe naBart, Carl, Drew naEvha vose vakapona iwe:

1. Bart, Carl, Drew naEvha mumwe nomumwe achagamuchira mugove wechina

• Funga kuti Ann, Carl, Drew naEvha vose vakapona iwe uye Bart akakutadzisa iwe:

1. Ann, Carl, Drew naEvha mumwe nomumwe achagamuchira mugove wechina

• Funga kuti Ann naDrew vakakugadzirirai iwe naBart, Carl naEvha vese vakapukunyuka iwe:

1. Bart, Carl naEvha mumwe nomumwe achagamuchira mugove wechitatu

"Kuputika" kunowanzoshandiswa pakugadzirisa nzvimbo pane "per capita" nokuti inowedzera mamiriro ezvinhu emhuri. Kana ukasarudza kushandisa "per capita" kugoverwa, iwe uchafanira kuve nechokwadi chokuti hurongwa hwako hwepamberi hunotarisa chero chizvarwa-kuputsa zvikamu zvingave zvakasikwa nenzira iyi yekugovera.

Mune mamwe mazwi, kusiya zvikamu zvakananga kune vazukuru uye vazukuru-vakuru kuburikidza nemunhu mumwechete kana rumwe rudzi rwekuparadzanisa zvakananga apo vana vako vaponawo iwe uchaita kuti chizvarwa-chikwidza kutambisa mutero kune zvizukuru nevana vazukuru vazukuru. Iwe unoda kushanda zvakasimba newaini yako yekugadzirisa mazano kuti uone kuti nzvimbo yako inobvisa izvi zvekare uye zvinodhura mutero.