Kugadzira Trust Trust Haisi Sekuoma Sezvaunogona Kufunga
1. Ratidza Zvauri Ndizvo Zvaunoda Kuti Chivimbiso Chako Chizadzike uye Kuti Inofanira Kuita Sei
Sei uchienda kune dambudziko rekugadzira urongwa hutsva hwepamutemo hwekudzivirira imwe tsananguro yeimba? Chii chauri kuedza kuita? Kunyanya, iwe unoda kuziva, pakati pezvimwe zvinhu:
- Ndiani anopa rubatsiro (munhu anotumira pfuma kune trust)
- Icho chivimbo chinogadziriswa (iyo iyo inoumba bhadharo yemari ye trust trust yakafanana nemari, mashizha , zvibvumirano , mutengo wemari , imba , kana imwe nzvimbo)
- Ndivanaani vanobhadhara uye vanobatsiridza zvikwereti
- Ndiani achashanda semutrasti (kana iwe uchida rubatsiro, verenga mibvunzo mitatu yaunobvunza paunosarudza musimboti weTrust Trust yako ; usakanganwa iwe unogona kushandisa musimboti wekambani yakadai sedhipatimendi rebhanki rekuvimba )
- Nzira iyo mari ichagadziriswa, inotengeswa, kana kurapwa, kusanganisira mhando, mazinga, uye nguva yekuparidzirwa
- Ndiani achabata zvinhu
- Inguva yakareba sei kuvimba kuchagara kwenguva isati yasara uye pasi pemamiriro api ayo icharega kushanda
- Pasinei nokuti chivimbo chacho chinoshandiswa (chingashandurwa) kana chisingachinji (hachigoni kuchinjwa)
2. Endai kune Gweta reMagadzirirwo Edzimba Dzimba Rinoyevedza neChirongwa Chekuita Dzimba dzeMhuri uye Ita Iye kana Kuti Yake Ita Declaration of Trust uye Trust Instrument muHurumende Inonyanya Kubatsira Nezvinangwa Zvako Nezvinangwa
Nhanho inotevera mukugadza chivimbo ichienda kune gweta munharaunda umo iwe unoda kuti trust trust igare nayo.
Ichi chisarudzo chakakosha nekuti mitemo yehurumende inoshandiswa kugadzira chivimbo ichave yakakonzera zvakanyanya nzira iyo inotarisirwa nayo nematare, kodzero dzemapato anozobatanidzwa naro mune ramangwana, nezvimwewo zvakawanda zvausingakwanisi kuita fungidzira panguva. Kunyange zvazvo kutendeseka kwemitemo kwakasiyana nehurumende kuenda kune imwe nyika, yakarongeka kune imwe nguva muzana remakore rapfuura nekuda kwekuita kweUniform Law Commission, iyo inoshanda kusimudzira kufanana kwemitemo muUnited States yose. Kunyange zvakadaro, iva nechokwadi chokuti uri kusarudza nokuchenjera kubva pakutanga nokukutaura pamusoro pavanopa mazano. New York, somuenzaniso, inozivikanwa nekuda kwechimiro chechimiro chekusika kwayo kudarika kune imwe inotaura, zvichida nekuti, kare, pane upfumi hwakawanda iyo yakaita kuti zvinhu zvose zvive nyore nekukwanisa mutsetse wakajeka unoda zvinhu zvakadai sekushandurwa kwetsika, panzvimbo pane kungotaura chete, paunenge uisa zvinhu mu trust.
Itai kuti gweta rive chiziviso chekutendeseka uye / kana chivimbiso chakazara chetendamende, iyo inyanzvi yepamutemo inotamisa mhuri trust fund uye inobatanidza zvinhu zvose zvatakakurukura muchiito chekutanga. Inogona kuva iri nyore uye yakareba kana yakareba uye yakaoma zvichienderana nehukuru hwekuvimba, nhamba yevakabhadhara, uye chinangwa chiri kuedza kuzadzisa.
Shandisa nyanzvi anonzwisisa mutemo weimba. Iyi haisi nzvimbo yekutora pasi yebhadhiro nokuti mari yekuita kuti isakanganise inogona kuva makore emakore akapera mumatare edzimhosva pakati pevadyi venhaka. Iva nechokwadi chokuti unosarudza zita rakanaka maererano nechinangwa chekuvimba nokuti vagari venhaka vako vachazobatwa naro kwenguva pfupi. Kana uchida rubatsiro, unogona kuverenga zvakawanda pamusoro pekutumidza mhuri yako kuvimba .
Nokuda kwekuita nyore, mazano akawanda anovimbwa ane mazita mashoma anoshandiswa kureva kurongwa. Semuenzaniso, kana chimbo chekutendwa chine urongwa hunorambidza avo vanobatsirwa kubva pakuvimbisa, kukwereta, kana kusati-kudhura kugovera kubva kuvimbwa, kuisa iyo mari kunze kwekusvika kwevakwereta uye kuita kuti zvive zvisingakwanisi kune mugari wenhaka kutengesa ruzivo rwegore , zvichida nechinangwa kana kwete-nechinangwa, inozivikanwa seti spendthrift trust .
Zvimwe zvei izvi zvakanyanyisa uye zvakanyatsogadziriswa kuti dzinopfuurira, kana zvisingaiti, maitiro ehupombwe (ona Supreme Court reMississippi chisarudzo muSligh v. First National Bank yeHolmes County iyo yakakanganiswa mwana wekodester yakarambidzwa kubva pakuwanazve mhirizhonga pamusoro pomutengesi wepasitrift trust, achibvumira chikara kuti chirambe chichirarama semukana wekuchengetera mwana mwana kubva pfuma yaamai vake vapera). Imwe mufananidzo: Kana chivimbo chacho chiine zvinhu zvako mushure mekufa uye zvinopa mumwe wako waanogara, achimubvumira kuti arambe ari mumba, ararame nguva dzose yemari inowanikwa nehutrust portfolio, asi usambobata mukuru, ivai vakasara kuvana nevana vazukuru (vachidzivirira kana mudzimai wacho akaroorwazve), inozivikanwa seQTIP trust. *
Iwe unogona kazhinji kudzivisa kuvimba kuburikidza nechiridzwa chekuvimba chero chaunoda iwe, uchiita kuti vanhu vagari venhaka vako vave nemigumisiro kana kuvapa mubayiro kune humwe hutsika. Iwe unofanirwa kuchenjerera pano nokuti iwe unogona kuwana zvimwe zvisingadi zvakagadziriswa (semuenzaniso, iwe unoti munhu anobatsirwa anogamuchira $ 250,000 mubhadharo chero paanowana Bachelor's degree asi asingatauri chikoro chekutanga chechikoro kuitira kuti mugari wenhaka anongogara achinyora mune itsva mapurogiramu, kuva mudzidzi unyanzvi uye usambopindi mubasa rekushanda sezvavanodhonza chivimbo pamberi pegadziriro yako yakatarwa, kutora zvinhu kubva kune dzimwe hama dzako). Zvakasiyana? Mirairo yako haigoni "kupesana nehurumende". Iwe haungakwanisi, somuenzaniso, kupa zvipo chero nguva imwe yevaya vaibhadhara ichibira doro rekudhakwa. Iwe haugoni kudzidzisa chivimbo chekutsakatisa mwanasikana wako kana akatarisa munhu asiri muchena. Iwe haugoni kutaura kuti muzukuru wako anongogamuchira kugoverwa kana akaisa vana vake kuti vagamuchirwe. Saizvozvowo, haugoni kuti iwe uri kuenda kunotsvaira mwanakomana wako, uyo ari gayana, kunze kwekuti akaroora mukadzi, sewe mukuru wekare mukuru akaedza kuita muNew York muna 2012, achiita kuti ive hurukuro yezvikoro zvepamutemo munyika yose. Unogona kupikisa, "Mari yangu, mitemo yangu" asi izvo hazvisi zvechokwadi. Wakafa. Iwe hauna mari. Chivimbo chinoita uye kuvimba kunofanirwa kurarama nehuwandu hwemaonero ehutano sezvinoratidzwa nevanhu kuburikidza nematare.
Kana zvinhu zvose zvaitika uye kuda kwako, shandisa mapepa ekuumba iyo trust. Ita kutenda kwako kuzivisa, kuisa chimbo chekutendeseka kuita, uye enda kune imwe danho rinotevera.
3. Nyora Chivimbo ne IRS Kuti Uwane Nhamba Yekutsvaga Mutero (TIN)
Kana kuvimba kusingabatsiri kuvimba iyo munhu anopa imba yacho ndiye mutongi chete uye anochengetedza mamwe masimba, akadai sekodzero yekudzosa kana kugadzirisa zvimwe zvikamu zvechimbo chekuvimba uye saka anofanira kutaurira zvinhu zvekutendwa nemari pasi pake Nzvimbo Yehupfumi Hwehupfumi Nhamba yeHerald uye State State taxings, iyo trust fund inoda kukumbira nhamba yake yekubhadhara mutero, kana TIN. Sezvo bhizinesi richida muHurumende Identi Identification Number (EIN) uye munhu anoda Social Security Number (SSN), TIN inobvumira kutendwa kuisa zvayo mamiriyoni emitero yemitero, sarudzo dzakasununguka dzemabhengi , mabhizimisi ekudhinda , pamwe chete semamwe masangano, uye zvimwe zvinhu zvakasiyana-siyana zvinodiwa pakuitisa bhizinesi zuva nezuva.
Kuti ugamuchire TIN yako yaunotenda, unogona kupedza basa iri paIndaneti pawebsite ye IRS kana unogona kutora Fomu SS-4, uizadze, uye uuye nayo nemavhura.
4. Tumira Zvinhu Zvauri Kupa Chikwata Chekuvimba neKudzosera Izvo uye Kuzarura Maakaiti Emari Muzita reTendamende
Nhanho inotevera mukugadza chikwereti chako chekuvimba chiri kudzorera chivako chaunoda kutumira kune icho. Izvi zvinogona kuitwa se "[Isa Zita reTrasti] seTrasti ye [Isa Zita reMhuri Trust Fund] pa [Isa Dhesi]". Somuenzaniso, fungidzira iwe waiva nezvikamu zve10 000 zveExx Mobil zvinokosha madhora 830 000 waunoda kuisa mukutenda kwevana vako. Iwe unogadzirisa mhuri inovimba uye inonzi "John Smith Energy Trust". Iwe unomutumidza hanzvadzi yako, Ada Smith, semuteresi. Iwe unoenda kuwana zvitikiti zvekutengesa kunze kwechivako uye uzvinyora zvakare newadhireji ekutsvaga, uchichinja zita rakanyorwa mumakambani ekunyora zvinyorwa kubva nezita rako kune: "Ada Smith seTrasti yeThe John Smith Energy Trust, July 30, 2016 "kana chimwe chinhu chakafanana.
Kana iwe uchienda kunotora zvivako zvekutengesa kune trust, iwe unenge uchienda kune rerekodhi yemabasa uye unopinda pamusoro pekutenda nenzira imwecheteyo: "Ada Smith seTrasti yeThe John Smith Energy Trust, July 30, 2016".
Kana kuvimba kwacho kuchizobhadharwa nemari, iwe uchada kuzarura bhangi kana rekwereti yekwereti yaunoronga pakuita mari yacho. Ngatiti iwe wakaenda kuCharles Schwab & Company, mumwe wevatengesi vakakurumbira munyika yose. Iwe unotumira Account Schwab One Trust nokuda kwekudarika $ 1 000 kana, $ 0 kana uchibvumirana kuzarura kambani yekuongorora yakabatana muzita rekutenda raunopa mari inenge $ 100 pamwedzi. Kunze kweiyo, nhoroondo yekutendeseka inofambisa, nokuda kwezvinangwa zvose uye zvinangwa, sekunge iyo iyo rekwereti yekwereti mupfungwa yokuti iwe unogona kutenga uye kutengesa zvinhu maererano nemitemo ipi yakaiswa mune chimbo chekutenda (semuenzaniso, kana iwe unogona chete nguva dzose kutenga zvikamu zveKoca-Cola, haugoni kutanga zvingashambadzirwa kunze kwekuti iwe uchida kubvunzwa nevanobhadhara nokuda kwekuputsika kwebasa rekuchengetedza uye zvakanaka chaizvo zvinogona kudiwa kubhadhara kurasikirwa chero kupi zvako kwaunokonzerwa nemabasa ako verboten). Schwab inoda kuti kopi yechiratidzo chekuvimba ive mune zvinyorwa zvayo urongwa hwemiganhu inogadzirisa maitiro ako.
5. Tora Kuchengeta kweTrust Trust uye Accounting Records
Pakupedzisira, danho rekupedzisira pakugadzirisa kuvimba kwako kurironga maererano neshoko rekuvimba nekuchengeta zvinyorwa zvinyorwa, kusanganisira marekhodi edzimhosva, saka kana pane imwe nguva kutongwa kana kukanganisa, mapepa acho aripo. Pane imwe nguva muhupenyu hwako, kana panguva yekufa kwako, iwe uchada kudzorera izvi zvinotarisirwa kune mumwe munhu.
Nepo iwe unokwanisa kuparadzanisa mabasa mumabasa akasiyana uye unovapa nevanhu vakasiyana kana masangano (semuenzaniso, kubhadharira iyi zvakasimba kuti uchengetedze mari yacho, iyi yakasimba kuti ishande semu-trustee mune zvigaro zvayo, iyo yakasimba kuti ichengetedze zvinhu zviri muchitokisi, izvi zvakasimba kutarisira kuverenga uye kuisa mitero), makambani akawanda emari emari anotenga zvose-mu-imwe mitero yemari, kubatanidza ushumiri hwevashandi vehurumende nehutungamiri, kuverenga, uye kutarisira kwekutsvaga. Sezvandakambotaura mune imwe nyaya ichangobva kuitika pamusoro pekuvimba mari, Vanguard, inozivikanwa nekuda kwemari yechirongwa cheyo, ichaita izvi nokuda kwekutenda kwemhuri iyo inenge yakaderedzwa iri $ 500,000 uye mari shoma, panguva yekunyorwa uku, ine $ 4 500 nokuda kwekuchengetwa kwemari pachako + mari yekutarisa pamari yeVanguard (semuenzaniso, mutual fund zvinowirirana mari ) + $ 2,500 pamutero wekutengesa kubhadhara kwekushumira sega kana kuti mutongi , pamwe chete nemari yebasa. Munenge mamiriro ezvinhu ose, iwe unenge uchitarisa pakati pe $ 7,000 kusvika ku $ 15,000 nokuda kwechivimbo chiduku chekuvimba, izvo zvinopfuura zvakanaka kutarisa dambudziko rakasimba rinofanira kutora pachako pakushanda sekumira kwako pane izvo zvingaita zvakanaka kuve zvizvarwa zvakawanda zvemhuri yako.
* Ndiri kuenda kusvika kureva kuti anenge munhu wose ane vana kubva kune mumwe murume akaroorana asati aida kuti vatsinhaniswe, nechinangwa kana kuti pangozi, vanofanira kushandisa QTIP kuvimba.