Vane Zvimwe Zvisingabvumirwi Kufunga Mukugadzira Zvigadzirwa
- Chivimbo chebhadharo mitero inowanzobudirira zvakanyanya kudarika mitero inokweretwa pane zvisiri izvo zvakachengetwa musimboti nekuda kwekumanikidzwa mumatare emitero mabheji.
- Mari yekutendwa inogona kuguma nevatsigiri vane kodzero vasingagoni kuzvitsigira ivo nekuda kwoupenyu hwekupa zvinhu zvose zvakapiwa kwavari pane imwe sendivha.
- Pane kurasikirwa kwekutonga kunouya nekuendesa zvinhu kune chivimbo chisingachinji, pasinei nechivimbo chehupenyu (inozivikanwawo se inter vivos trust) kana testamentary trust . Zvinowanzodiwa kuti zviwanikidzire kubhadhara mari yepamusoro.
Nokutora nguva kuti uongorore chimwe nechimwe chezvinhu izvi zvisingabatsiri, ndinotarisira kukupa zviri nani kunzwisisa zvauri kuzviwana iwe kana iwe ukasarudza kutanga kushandisa kushandisa mari yezvirongwa mumari yako pachako, kana kuchengetedza zvinhu zvako kana kuwedzera mari yehupfumi iwe unogona kuisa mumaoko evana vako, vazukuru, uye dzimwe vagari venhaka.
Trust Trust
Congress inogara ichishandura mabhazikiti emitero kuti agadzirise kutengesa kwenyika . Zvinosuruvarisa, kwemakumi emakore, Imba yeVamiririri neSeneti yakachengeta mutemo iwoyo wekutengesa mari inoshandiswa kune mari yekuvimba inofanirwa kuenzaniswa kana ichienzaniswa nemari yakasara yemadhora inoshandiswa kune vanhu vane mari chaiyo yemari.
Semuenzaniso, maererano neshoko re IRS, mugore rekutere 2016 inotevera Federal Trust fund mitero inoshandiswa pane chero mari inogadziriswa ne trust:
- Kuchengetwa mari yepasi pe $ 2,550 inotengesa pa15%
- Kuchengetwa mari yepamusoro $ 2,550 asi kwete mari inokwana madhora 5,950 inotengesa pa $ 382.50 pamwe ne25% yemadhora anodarika $ 2,550
- Kuchengeterwa mari yepamusoro $ 5 950 asi kwete kudarika $ 9,050 inotengesa pa $ 1,232.50 pamwe ne 28% yemadhora anodarika $ 5,950
- Kuchengeterwa mari inopfuura $ 9,050 asi kwete kudarika $ 12,400 inotererwa pa $ 2,100.50 pamwe ne 33% yemadhora anodarika $ 9,050
- Kuchengeterwa mari yepamusoro $ 12,400 yakabhadharwa pa $ 3206 uye 39.6% yemadhora anodarika $ 12,400.
Mumwe munhu asina kuroorwa, zvakasiyana, haazogoni 39.6% yeHurumende mutero kusvikira mutero wakabhadhara wakasvika kudarika $ 415,050. Kuita kuti zviwedzere kuipa, Hurumende yepamusoro pamusoro pekuchengetedzwa kwekutenda mari inenge iine chikwereti mune nyika dzakawanda, zvakare, iyo inenge iri kuwedzera kune Federal Federal tax. Zvadaro, kune mhepo yakadai sechizvarwa -kutsika mutero , iyo inogona kushanda kune mari yekuvimba.
Pane zvishoma zvekuzorora mumari iyo inoparidzirwa nekutendwa kune avo vanobatsirwa, kusanganisira zvikamu, chikwereti, uye zvikwereti , zvinokweretwa kumunhu anobatsirwa pamutengo wake. Ifilosofi mushure mekusaenzana kwehutano kwakadaro ndeyokuti ichaita kuti isanyanya kukoshesa mhuri kuunganidza pfuma yepamusoro mukuvimba, kunyange zvazvo kune nyore nyore nzira dzakapoteredza.
Semuenzaniso, vatungamiri vekutsvaga kwekutsvaga kwekuchengetedza chikwereti chegwaro guru re Trust Trust sekuti iyo imwe nheyo yakagadziridzwa inogona kuronga hutano hwekutsinhanisa kuti husimbise zvikwereti zvisingabatsiri zvekubhadhara kana zvikwata zvine ruregerero rwekubhadhara mubhadharo, zvakadai senhengo dzeBerkshire Hathaway, kambani inobata yakavakwa nemabhiriyoniire Warren Buffett.
Kuwedzera kwekubatsira kwebhuku kunofanirwa, nekuwedzerwa kwenguva, kunokonzera kusabhadharwa kwekuita mari, kubudirira kuumba mutero wemitero yakatarwa iyo inobvumira kuti kuvimba kuve nemari yakawanda inoshanda kune iyo kupfuura iyo ingazoita kana kutarisa kuburikidza nemari inokonzerwa ne trust trust yaive yakabhadharwa kune chivimbo semari inowanikwa mari. Kwemakumi emakumi emakore, rudzi urwu rwebatsiro runogona kutungamirira kune imwe nzvimbo yakakwirira yepamusoro yehuwandu hwekuwedzera kwegore , zvimwe zvose zvakaenzana. Ndicho chechikonzero chekuita basa rekutsvaga kwekuvimba kune zvakakosha.
Pane flip, yakarongeka zvakanaka, kutendeseka kusingagoneki kunogona kuderedza mitero yemhuri kuburikidza nekuendesa mari kubva kune imwe nzvimbo yemhuri yakafuma kune vadyi venhaka yake, iyo yekupedzisira iyo inogona kunge iri mubhaketi yakaderera. Nokusimbisa kuparadzirwa, mari yekutsvaga mari iyo ingadai yakabhadharwa pamitengo yakakwirira yakawanda inogona kuva, pane kudaro, inobhadharwa pamitengo isina kubhadhara inowanikwa pamubhadharo wekubhadhara mari yomunhu.
Zvinotora kuronga kwakawanda, makore mazhinji, uye vakanaka vemutemo, vateresi, uye varairidzi wekutsvaga kuti vaubudise zvakanaka, asi kumhuri dziri pamusoro pe1%, inogona kuve yakakosha, kunyanya kana yakashandiswa pamwe nemutero wegore negore kurega .
Trust Funds Zvinogona Kuumba Dhemberero uye Kukuvadza Mubhadhari
Maitiro ekuzvipira kwepfungwa anotitaurira kuti vanhu vakawanda vanoda chinangwa muupenyu hwavo uye kuti mari chete haigoni kupa chinangwa kana izvo zvinodiwa zvinokosha zvave zvichiitwa. Kuti aratidze pfungwa iyi, fungidzira, kwekanguva, varume vaviri vanofungidzira, David naJohn.
David ane mambure anokosha $ 1,000,000. Anorarama zvakanaka. Zvipfeko kumusana wake, imba yaanogara nayo, midziyo yaanofarira, motokari dzaanotungamirira, zororo raanotora, zvokudya zvaanoisa patafura, maziso aanopfeka, moto mumoto wake, mari itsva akawedzera kuzvipimo zvake, mabhii ayo anotora kubva kuchiteshi chemotokari, mathikiti emakonti ayo anotenga, uye zvipo zvaanoita kune rudo, zvose zvinobva mumari inokonzerwa nekubudirira kwake. Mari yacho ndeye-chibereko chekubudirira kwake uye zvaakaita. Zvinogona kunge zvinouya nekuremekedzwa nekuyemura kwevamwe vashandi vake; pfungwa yekuti anofananidzwa sei munharaunda uye zvipo zvake kune vamwe vagari vemo.
John anewo mambure anokwana $ 1,000,000. Anorarama zvakanaka. Zvisinei, upfumi hwake hwose hunouya kubva ku trust trust baba vake vakagadzirira kwaari makore akapfuura. KwaJohani, zvipfeko pamusana wake zvakapiwa nebasa reumwe murume. Imba yaanogara nayo yakabhadharwa nemabasa eumwe murume. Simba, motokari, zororo, zvokudya, uye maziso anongovapo chete nekuda kwekugadziriswa kunoenderana nekubudirira kweumwe munhu. Hapana chimwe chazvo chinoratidza kufanirwa kwaanoita kumarudzi. Haana kuita chinhu. Nokuda kwezvikonzero zvisingazivikanwi zvachose, John haana kushandisa zvibatsiro zvebhadhiro yekuvimba kuti atange hupenyu hwake nebasa rake, asi, pane kudaro, akauya kuvimba naro sevhavha yekusachengetedza. Zvakamuchengeta kubva pakukura kusvika kumurume iye aikwanisa kuva.
Mhedziso yekuora mwoyo uye kusagadzikana kunozadzisa chikamu chikuru chevanhu munharaunda yaJohane chakapiwa zita rokuti: Affluenza. Mabhuku ave akanyorwa pamusoro pokuti ungapukunyuka sei "ghetto yegoridhe" iyo inobva pakaberekwa muchikwata chekuvimba mari. Kana iwe uchiziva kuti hauzombofaniri kushanda, zvinogona kukuita kuti urege kutora mikana uye uende kunze kwenzvimbo yako yekunyaradza. Kune vanhu vakawanda, kukura kunouya apo isu tinomanikidzwa kunze kwenyaradzo yedu nzvimbo uye takaitwa kuita zvinhu zvatisati tati kufunga kuti takagadzirira kuita. Neine mari yekudzivisa marwadzo iwayo, inogona kuparadza kuzvikudza.
Unodzivisa sei mamiriro ezvinhu aya? Imwe nzira ndeyokupa mari kune vana vakabudirira voga. Mwana ane makore makumi matatu nemashanu (35) anokura uye ari kuwana $ 300 000 pagore achimhanya mabhuku mashoma ezvokudya akavakira haasi kuzopambwa nemazana mashoma, kana mamiriyoni, madhora. Kune rumwe rutivi, ane makore gumi nemasere chete achingobuda pamba angangodaro. Funga kumirira kuti uone kuti aple yakawira sei kubva pamuti usati waita zvipo zvikuru kuvana vako. Vamwe vanhu vanogona kuzvibata; vamwe havakwanise. Vamwe vanhu vanogona kuzvibata pane dzimwe nguva muhupenyu hwavo uye vamwe vanhu havagone.
Basa rako nderokubatsira vana vako, vazukuru, nevamwe vanobatsirwa uye vagari venhaka vanova nekugutsikana, vanofara, vane utano hwakanaka. Hazvirevi kuti uvape mari. Dzimwe nguva zvinobatsira, dzimwe nguva zvinoshungurudza. Uchenjeri kuziva izvo zvinoshanda mune imwe mamiriro ezvinhu.
Asset Inoshandiswa kune Irrevocable Trust Fund Haisi Yenyu Yakare
Icho munondo unocheka nepakati. Kana iwe uchiendesa zvinhu kune imwe chikwereti chisingatauriki chekuvimba, haugone kubata zvinhu izvozvo sekuti ndezvawe, zvakare. Chikonzero chacho chiri nyore: Havaiti. Iwe unofanirwa, nemutemo, kushanda chete muchitarisiko chomubatsiri kana ukasarudza kuzvitumidza iwe sematirastii . Icho ndechokuti iwe une basa rekutenda . Hazvifaniri kutorwa zvishoma.
Kune rumwe rutivi, ichi ndicho chaiicho chinoita kuti kuvimba mari ive nzira yakanaka yekudzivirira zvinhu kubva kune vane chikwereti. Chero bedzi iwe usingabatanidzi kunonzi kudengenyeka kwekutengesa, izvo zvinoreva kunyanya kushandura mari mukutenda mukufungidzira kwekunge kune mvumo yepamutemo inopesana, mune izvozvi mutongi angapedzisa mutengesi, mari yakapiwa kuvimba inogona kazhinji ive isingakwanisi kusvika kune vane chikwereti. Kana iwe ukaenda uchingoparara, kurasikirwa nezvinhu zvose, uye uzviwanire usina urombo, asi wakapedza mashome makumi emakore kuvaka mari yakavimbika yemari yevana vako, havafanire kukuvadzwa. Somubereki, ungadai wakavapa nhaka yavo pasinei nokurasikirwa nezvinhu zvose iwe pachako. Yakarongeka zvakajeka, zvakafanana kana mwana wako achipinda mudambudziko uye iwe wakaisa zvinhu zvakadai se spendthrift trust protection.
Iwe unogona kushandisa zvakashata izvi. Kana uine mubereki uyo anoronga pakusiya mari, bvunza mari kuti iiswe muchikwata chekutendesa chausingakwanisi kuwana nehuwandu hwekugoverana kwegore negore. Nenzira iyo, iwe unogona kurarama kubva kune mari yaunotora, asi vako vane chikwereti haafaniri kukwanisa kubata mukuru wacho kubva, nenzira chaiyo, haisi yako.