FDIC Inishuwarenzi, Zvigaro Zvisingaiti uye Masangano

Mutemo Wutsva Wemitemo Unobatanidza Kuenzanisa kweDiskiti Inotisirwa Nhutano yeZvimbiso

Nekukurumidza kwekukanganiswa kwebhangi, kwakave nekunyanyisa kwakawanda pamusoro pehuwandu hwekuchengetedzwa kweinishuwarenzi kumabhengi ebhangi akachengetwa muBANK-inshurensi mabhizinesi. Yakabatana neyiyi mitemo inokanganisika iyo inoshandiswa kune kuvimba uye maefa edzimba. Mukupindura, musi waSeptember 26, 2008, Dhipatimendi reDirectory of FDC rakabudisa mutemo mutsva unoshandiswa pakugoverwa kunopiwa ku " Revocable Trust Accounts ." Pamwe chete nemurairo mutsva uyu unouya kuwedzera kwenguva refu kweDICIC inshuwarheni inotangira kubva ku $ 100 000 kusvika ku $ 250,000 pamubhadhadha wega wega, nechekuchengetedzwa kwebhadhadziro rekuchengetwa kwebhuku rimwe rega rega rega iro rakaiswa muWall Street Reform uye Consumer Protection Act rakasungirwa mutemo neMutungamiri Obama musi waJuly 21, 2010.

Tsanangudzo yeDFIC ye "Account Revocable Trust"

Dhiyabhorosi inotsanangurwa ye "Revocable Trust Account" inosanganisira mazita asingabhadharwi, zvichibatanidza kubhadharwa parufu, kana maPD account, mu-trust-for, kana maItF, uye Totten Trust nhoroondo, pamwe chete nekodhidhi dzekodzero dziri neTrasti ye imwe tsika yeRevocable Living Trust.

Nhaurirano yeThe Old Rule Inodzora FDIC Insurance uye Revocable Trust Accounts

Mutemo wekare unotonga Revocable Trust Accounts akapiwa zvinotevera:

1. Nhoroondo dzaive dzakachengetwa kusvika ku $ 100 000 pamusana pe "vanofanirwa kubatsirwa" yakagadzwa nemuridzi wekambani.
2. Vagari vanofanirwa kugadziriswa vakatsanangurwa semudzimai wemubhadha wekambani, vana, vazukuru, vabereki, uye vanin'ina.
3. Vakawanda vemu-akhawunti vanowana kugoverana kwakasiyana kune mumwe nomumwe, pamunhu wese anodiwa.
4. "Mupi wezvakanakira kuwana" kugoverwa kwaive kuwanika paRevocable Trust Accounts zvakasiyana nehuwandu hwekugoverwa kunoenderana nedzimwe nhoroondo dzakachengetwa mune humwe hutano hune simba (zvakadai semazita ega ega kana ejoka) kune rimwe bhizinesi reDICIC-bhizinesi.

1. Nhoroondo yakafukidzirwa chete kana yakasangana nezvinodiwa zvitatu: (1) Cheti yaifanira kusanganisira izwi rokuti POD, kana ITF, kana Revocable Trust, kana izwi rakadaro rinoratidza chinangwa chokuti iyo ichapfuura kune vanovimba nevatendi mushure mekufa komuridzi; (2) Muwani wega wega wega aifanira kuva "munhu anokodzera kubatsirwa" sezvinotsanangurwa pamusoro apa; uye, (3) Nhoroondo dzePOD, avo vanobhadhara vaifanira kunyatsotsanangurwa munhoroondo dzezvinyorwa, apo avo vanobvumirwa neRevocable Living Trust vasina kuverengwa.

1. Mukusarudza kuparidzirwa, zvakanga zvakakosha kunzwisisa umwe neumwe wekuwana ruzivo runobatsira muRevocable Trust, kuti ive chikwereti chakakosha, nzvimbo yehupenyu, kana mugove wakaenzana kana wakaenzana wezvakawanda zvekuvimba.
2. Mari yose iyo muridzi akaitisa muzvinyorwa zvose zveRevocable Living Trust uye nhoroondo dzePOD dzinoti avo vanobhadhara zvakafanana vakabatanidzwa kune zvinangwa zveDICIC uye vanovimbiswa chete kusvika pamiganhu yakawanda inoshandiswa.

Chidimbu cheNew Rule Rinodzora FDIC Insurance neArevocable Trust Accounts

I FDC ine zvinangwa zvakawanda pamusoro pekugadzwa kwekutonga kwemukati mutsva:

1. Kuti kuve nyore kuita mutemo kuitira kuti zvive nyore kune vashandi vebhangi nevashandi zvakafanana kuti vanzwisise uye vashandise.
2. Kuti abvise zvido zvekuti muwanikidzi ave "munhu anokodzera kubatsirwa".
3. Kuti abvise zvido zvekutarisa chaicho chaicho chaicho chinobatsira chemubatsiri wega weRevocable Trust nokuda kwekambani dzinokosha pa $ 500 000 kana pasi.
4. Kuisa miganhu inonzwisisika pamusoro pekuvhara maakaunti ezvitendi ane vashanu kune vakasiyana vanobhadhara uye vanobata kudarika $ 500,000.

Somugumisiro, hutongi hutsva huripo hunochengeta zvinhu zvose zvehutongi hwekare hwakarongwa pamusoro apa nezvimwe zvitatu zvakakosha:

1. Vabatsiri havachafaniri kuva "vanofanirwa kubatsirwa." Pane kudaro, chero munhu anobatsira anonzi muRevocable Trust, chero bedzi uyo anowana rubatsiro ari munhu wechisikigo, kana kuti rudo kana imwe sangano risina purofiti, inopiwa kugoverwa.

1. Nezvikwereti nezviyero zvakakwana zve $ 500 000 kana zvishoma, kugoverwa kunogadzirirwa kunze kwekudikanwa kwekuziva kuti mumwe nomumwe anobatsira anofarira muRevocable Trust (kusanganisira hupenyu hunopiwa $ 250,000 hwehuwandu).
2. Kuvharidzirwa kunogumira kweTurusable Trust iyo ine vanopfuura vashanu vanobhadhara zvakasiyana uye nhoroondo dzinobata zvinopfuura $ 1,000,000.

Inguva yakawanda yeDICIC Insurance Coverage Do Do Bank Bank Accounts Receive?

Kana iwe uri Mumiriri weMuongorori we probate estate, zvino ndiyo basa rako rekutsvaga kuti unzwisise kuti mitemo yeDDIC inoshandiswa sei kumasimba edzimba ayo anowanikwa muBANK-inshurensi mabhizinesi. Kunyange iwe uchifunga kuti, sebitendi yebhangi yekubhengi, kambani yebhangi yemari yaizochengeterwa inshuwarisi kune umwe neumwe anobatsira, izvi hazvisizvo. Pane kudaro, mabhengi emabhengi ehurumende anongoratidzwa inshuwarheni kusvikira kune yakadzama yakawanda ye $ 250,000.

Saka kana iyo nzvimbo isingazovharwa chero nguva pfupi uye mari iri mubhangi inodarika $ 250,000, saka iwe unofanira kufunga kuparadzira mari mumabhanga akasiyana-siyana kana kushandisa chirongwa cheCDARS kuti uchengetedze zvizere mari yemari.

Kushandisa FDIC "Edie muExptimator" kuti uone kushandira kwako

Kunyange zvazvo mutemo mutsva wekutsvaga unoita kuti kuve nyore kuverenga kwekupararira kweArevocable Accounts Accounts mune zvakawanda, kufunga kuti zvose zvingave zvichiri kukanganisa. Kuti vabatsire vatengi kusarudza kugoverwa kwavo, webhusaiti yeDFIC ine chimbo chinonzi "Edie muAstimator" iyo ichaverenga kugoverwa kwaunogamuchira kune mumwe munhu, kuvimba, uye mabhizinesi akachengetwa muDFIC-insured institutions.