Chii Chinogona Kugadziriswa Chivimbo Chako Izvozvo Zvisingagoni Kuita?
Mubvunzo wakajairika mutongi wenharaunda inobvunzwa, nevatengi, "Ndingazviona sei kana ndichida kuvimba panzvimbo yekururamisira?" Vanhu vazhinji vanofungidzira kuti Kurasikirwa Kwekuchengetedza Kurarama ndeyevanhu vapfumi, asi zvikomborero zvavanokwanisa kupa kune munhu ane kunyange nepfuma shoma zvakakosha. Heano zvimwe zvikonzero zvokufungisisa paunosarudza kana uchida Revocable Living Trust pane kungoda.
01 Anouraya vs. Zvitendero - Kuronga Kuremara Kwepfungwa
02 Inowirirana neZvikwereti - Kuronga kune Vaduku Vanowanikwa
Kazhinji pfuma yevabereki vaduku vane yehupenyu hwe inshuwarisi yehupenyu kana rekushandira mari ( IRA kana 401 (k) kuburikidza nebasa). Zvinowanzova dambudziko kana vabereki vaduku vachizoroora uye mumwe wevabereki vanoda kutumidza vana vaduku sevanonyanya kubatsirwa kana kana vabereki vose vachifa vana vachiri vaduku. Chii chichaitika ku inshuwarisi yehupenyu kana kubhadhara mari? Mari idzi dzichaiswa mucheche-kutarisirwa kuchengetedzwa kwepamutemo kuitira kubatsira mwana muduku kusvikira mwana asvika 18. Nokudaro, mumamiriro ezvinhu aya, vabereki vanofanira kufungidzira kugadzira Revocable Living Trust uye kutumidza kuvimba sevokutanga kana kuti ivo vanobatsirwa inishuwarenzi yehupenyu kana kubhadhara mari . Nenzira iyo Murasikoni achakwanisa kugamuchira mari panzvimbo yedare rinotarisirwa. Uyezve, mubereki anogona kutora mukutenda apo vana vachagamuchira nhaka yavo, yakadai sezera remakore makumi maviri nemaviri kana makumi matatu pane makumi matatu.
03 Wills vs. Trust - Kuronga kune Singles
Ani naani asina kuroora uye ane zvinhu zvakanyorwa nezita ravo chete anofanira kufunga nezveRevocable Living Trust. Izvi zvikonzero zviviri zvinokosha ndezvokuchengetedza iwe nemari yako kunze kwekuchengetedzwa kwematare-kutarisirwa uye kubvumira vatsigiri vako kuti vadzivise mari uye matambudziko ekuongorora . Iko mari shoma inokosha yakakosha kuti munhu mumwe chete afungisise kushandisa Revocable Living Trust ichasiyana kubva kune imwe nyika kuenda kune imwe nyika. Semuenzaniso, muFlorida zvigaro zvinodarika $ 75,000 kana zvishoma zvinonzi zviduku zvakakwana kuti zvigadziriswe kuburikidza neshinyorwa chechirongwa chekuongorora probate . Kana kukosha kwezvinhu zvako kuchikwira pauwandu hushoma munzvimbo yako, zvino chirongwa, nguva inopedza uye inodhura yekuongorora mazano ichadiwa panzvimbo.
04 Wills vs. Trust - Imba yekugadzirira Imba yevakaroorana
Kana iwe wakaroorwa, uye nzvimbo dzewe nemudzimai wako dzinopfuura feraleral estate tax exemption ($ 5.34 mamiriyoni muna 2014) kana mvumo yako yehurumende yemutero (iyo inogona kunge yakaderera ne $ 675,000), saka iwe unofanira kufungidzira kugadzirisa Kurarama Kwekuchengetedza kuti vashandise mari yevakaroorana kuti vasunungurwe pamitero yeimba . Izvi zvinogadziriswa nekugadzira AB Trust kana kuti ABC Trust uye nekugovera zvinhu zvako zvingangove zvakaenzana mugoverana pakati pezvitendero zviviri (apo chirevo chitsva che " kushandiswa " kuchakubvumira iwe nemumwe wako kuti muwedzere kushandiswa kwe federal property tax yako , Hawaii ikozvino ndiyo nyika chete inopa kuvepa). Iwe uchazofanirawo kuita urongwa urwu hwokuronga kuti uwedzere kushandiswa kwevakaroorana vaviri -kukwira-kutsika kutengesa mutero kusunungurwa (izvi hazvikwanisi kuwanikwa kuburikidza nekugadzirisa). Uyewo cherechedza kuti kunyange zvazvo urongwa hwemutero urwu hunogona kuitwa mukuda kwako, iwe nemumwe wako muchada kugovana nhaka yenyu mumazita akasiyana, mumamiriro ezvinhu iyo iyo inoda kuongororwa mushure mokunge mumwe nomumwe wavo afa. Kushandiswa kweHupenyu Hwakarasika Kunosimbisa kuti kuongorora kunogona kudziviswa mushure mokufa kweumwe neumwe.
05 Anopikisana nezvitendero - Kuronga kune Vakaroorana muChipiri kana kuti Mararamiro Akazotevera
Kana iwe uri mumhuri yechipiri kana inotevera uye iwe nemumwe wako muchave nevana vakasiyana-siyana vakadai sevana venyu kana vazukuru, saka iwe unofanira kufungidzira kugadzirisa Kurarama Kwekuchengetedzwa Kwekuchengetedza kuti uone kuti imba yega yega ichaenda kwaanenge achida kuti iende kunze kwebasa rekuongorora.
06 Anopikisana neZvimbiso - Kuchengetedza Purogiramu Yako Pamwe Chete
Chirevo chekupedzisira uye chibvumirano chinowanikwa nedare rekuongorora chinosvika pamatare ehurumende kuti chero munhu anogona kuverenga (somuenzaniso, unogona kuona kuti Ikupedzisira Kupi uye Testamendi yemuitevedzeri James Gandolfini inotaura uye inoona kopi yayo pano ). Kusiyana neizvi neRevvocable Living Trust , iyo isungano yepachivande pakati pako seTrustmaker newe iwe seTrasti. Kunze kwekuti vatsigiri vako vasati vaende kudare pamusoro pechinhu chakanyorwa mubvumirano rako reRevocable Living Trust (saMika Michael Jackson vagari venhaka ), ipapo rugwaro runofanira kugara runyori rwese rwunongova chete vatrusti nevamwe vanobatsirwa vachakwanisa kuverenga mushure mekushaya simba kana kufa.
07 Anouraya vs. Zvitendero - Kugadzirirwa Imba kweZvenharaunda Zviri kunze kweHurumende Yako
Kana iwe uine zvivako mune imwe nyika, iwe uchada kugadzirisa Revocable Living Trust uye kubvisa kunze kwehurumende yepaiti ku trust. Kana zvisina kudaro, mhuri yako inogona kutarisana nedzimwe mbiri dzakasiyana-siyana dzekuongorora -imwe muhurumende maunogara, uye wechipiri munharaunda iyo nzvimbo yako yeimba iyo iripo, inonzi " ancillary probate ."