Havasi Vose
Nhengo yemagadziro emagariro anorumbidza aRevocable Living Trust kune 100 % yevashandi vari kuita zvakanyanya kusagadziriswa, sezvinoitwa gweta rekugadzirisa mararamiro avo vanovadzinga uye vanokurudzira Kupedzisira Kuda uye Testamende kune 100% yevashandi vari kuita zvakanyanya kudzivisa.
Saka, ungaziva sei kana iwe uchida chaizvo Revocable Living Trust? Nenzira dzakawanda, kune zvikonzero zviviri zvinoita kuti vatongi vemazano ekugadzirisa varimi vataure kuti Vanorasikirwa neHupenyu Hwakachengetedzwa kune vashandi vavo - kuti vasapedza nguva inodhura uye inodhura vatongi- vanochengetedzwa kuchengetedza kana iwe uine pfungwa dzisingakwanisi uye kuti usapedza nguva inopedza uye inodhura kuongorora mushure mokufa kwako. Asi kunze kwezvikonzero zviviri izvi zvinokosha zvekukurudzira Revocable Living Trust, kune mamwe mimwe mibvunzo inowanikwa pasi apa apo gweta rako rekugadzirisa zvivako rinofanira kukubvunza iwe kuti uone kana kuvimba kwakakunakira iwe. Tichifunga nezve mhinduro dzako kumibvunzo iyi pamwe chete nezvikonzero zvinokosha zvekushandisa Revocable Living Trust sechinhu chepurogiramu yako yepfuma ichakupa ruzivo rwakakwana kuti uone kana Revocable Living Trust ndiyo chaiyo yaunoda.
5 Mibvunzo Yenyu Yokugadzira Zvigadzirwa Gweta Inofanira Kumbira Kuti Uone Kana Chivimbo Chakatadza Chakakunakira
Ndeapi marudzi emafumi aunayo?
Kana iwe wose uine mabhuku mashomanana ebhengi, imwe inshurensi yehupenyu uye 401 (k), ipapo revocable Living Trust ingangove yakanyanyisa. Pachinhu chiduku iwe unoda humwe Hwakagadzikana Simba reGweta uye Mazano Ekurapa Mazano ekupa mumwe munhu simba rokukutarisira iwe nemari yako kana iwe usingakwanisi.
Iwe uchadawo Kuda Kwekupedzisira neTestamende yekubata nebhajhenti yako yebhangi mushure mekufa kunze kwekuti iwe unogona kuita kuti " inotengeswa parufu ." Tarisa nebhangi rako kuti uve nechokwadi.
Zvakadini kana iwe uine pfuma yemvura zvakare? Simba Rinogara Rinogadzikana reGweta richabvumira mushandi wako anonzi mupepati kuti atarise neimba yako yeimba kana iwe usina kukwana, uye nhamba inowedzera yehurumende inoziva kuregererwa pamabasa ekufa , kubhadharwa mabasa kana kuwedzerwa mararamiro emabasa zvinotendera nzvimbo yako yeimba kuti urege kuongorora shure kwekufa kwako. Asi kana iwe uine zvivako muhurumende isingazivi chiito chechiito chekuita, ipapo Revocable Living Trust inenge ichidiwa kuti urege kuongorora zvekumba kwako. Zvichida kuongorora kunenge kuchidikanwa kunotsanangurirwa nehuwandu hwehumba panguva yekufa kwako uye zvinoshandiswa mutemo wenyika.
Iwe Unayo Bhizimisi Here?
Apo zvinosvika kumabhizimisi emhuri, iyi ndiyo iyo Revocable Living Trust inodarika kukosha kweChiratidzo Chokupedzisira neTestamende. Sei? Nokuti kuburikidza nekuve neRevocable Living Trust yako inofarira bhizinesi rako, Mutungamiri wako anotsigira anogona kuramba achigadzirisa bhizinesi kana iwe usina kukwana kana kufa. Hazvina kudaro nechishuvo, sezvo Mumiriri weMunhu wega achafanirwa kusarudzwa nedare remhosva rinogona kutora mavhiki mashoma kana kunyange mwedzi yakawanda kuti iite.
Uyewo, Mumiririri wako wega wega achada kubvumirwa nedare remhosva kuti uenderere mberi nekushanda bhizimisi rako kupfuura mwedzi mishomanana mushure mokufa kana kutengesa bhizinesi.
Iwe Unoda Kubatanidza Vadiki Vabatsiri?
Kana iwe uchida vaduku vanobhadhara (vari pasi pezera remakore gumi nemasere) kuti vagare nhaka kana imwe yenzvimbo yako, ipapo iwe unogona kuisa testamentary trust yekubatsira kwavo muTest Will uye Testamende kana Revocable Living Trust. Asi kutanga kutanga testamentary trust uye ozogadzirisa kushandura kwemangwana maTrasti kana kushanduka mumamiriro ezvinhu, testamentary trust inogadzirwa muChiratidzo Chokupedzisira neTestamende ichaiswa pasi pekutongerwa nedare remhosva, nepo testamentary trust inogadziriswa muChirangaridzo Living Trust hazviiti.
Pasinei nokuti haubatsiri vana vaduku vanobhadharwa sevanobhadhara kune avo vanofa kana kuti IRA kana 401 (k) vanobatsiri sezvo dare rinotarisirwa kuchengetedzwa kwevana richadiwa kuti rigadziriswe kune vaduku kusvikira vasvika 18.
Unofungidzirwa Nezvokuchengetedzwa?
Kana yakasunungurwa kuti iongorore, Testamende Yekupedzisira, uye Testamende inova dare revanhu vose rinogona kuverengwa. Kunze kweizvi, huwandu hwematare edzimhosva ndewevanhu vanogona kuverenga, uye zvinyorwa izvi zvinonyora mazita evatari venhaka uye mazita avo, izvo zvawaiva nazvo pawakafa, uye iwe waive nemari yekuti iwe wakafa.
Kune rumwe rutivi, revocable Living Trust inyandiko yega yega inenge isina ruzivo rwematare evanhu vose. Zvinoreva kuti vanhu chete vane kodzero yekuona kopi yekutenda kwako mushure mokunge makafa ndivo vanobatsirwa uye vatungamiri vatsigiri vamakadana muchibvumirano chekuvimba. Nokudaro, mazwi ekutenda, avo vanobatsirwa nekutendwa, icho chivimbo chacho chavo, uye mazita eVatongi vatsigiri vanogona kuchengetedzwa pakavanzika maziso ehama, shamwari, uye vavakidzani.
Unofunganya Nezvokuda Kushanda Here?
Kunyange zvazvo vamwe vanyori vanogona kufunga nezveRevocable Living Trust sechirongwa chakanakisisa chekubuda pamakwikwi - kana mushure mezvose, kuvimba ibhuku rega rega, kurudyi? - Muzvokwadi, mune dzakawanda dzinotaura, kuda kunopfurikidza nekuongorora ndeyechisarudzo chakanaka. Sei? Nokuti mune dzimwe nzvimbo apo kuda kunenge kuchiongororwa kukwanisa kuchapikisana nevatambi vanogona kuziviswa nezvenyaya yekuongorora, izvo zvichazoita kuti zvive nenguva yavanokwanisa kuisa kupikisa kwenguva pfupi chaizvo (inowanzova mwedzi chete kana maviri). Kune rumwe rutivi, nguva yekukwikwidza kuvimba inowanzova yakareba kwenguva yakareba-kubva pamwedzi mitanhatu kusvika kumakore anoverengeka - iyo inoita kuti kuvimba kunogona kukonzera nguva yakawanda kubata nekutsvaga kana vane mhosva uye vozoisa mhosva yavo pachokwadi mhedziso yekupedzisira.
Saka, Unonyatsoda Hupenyu Hwakarasika?
Sezvaunogona kuona, kubvunza kana iwe uchida Revocable Living Trust haisi kutungamirira mhinduro nokukurumidza uye nyore. Nokudaro, kana gweta rekugadzirisa zvigaro rinokuudza mukati memaminitsi mashomanana okukusangana iwe kuti iwe unoda, kana kuti haufaniri, revocable Living Trust, tora mhinduro yechipiri.