Kutora Mitero Kubva Kumusoro vs. Pro Rata Mutengo
Ndezvipi Zvokugara Zvako Zvokupa?
Kana iwe uine chirongwa chemuzinda, ipapo yako yekupedzisira uye Testamende kana Revocable Living Trust ichava nemirairo yakananga pamusoro pekuti zvinhu zvipi zvinofanira kushandiswa pakubhadhara mutero wemutero.
Izvozvo zvinowanzotaurwa zvinotaura zvinotevera:
- Vabatsiri vanowana hutano chaiyo kana kuti pfuma yavo chaiyo havangabhadharwi kubhadhara mutero kunze kwekuti zvimwe zvinhu zvose zvakashandiswa pakutanga.
- Kana iwe unongova neChiratidzo Chekupedzisira neTestamende, ipapo avo vanogamuchira chero ipi zvayo isati iri-probate pfuma iyo inowanikwa mukukosha kweimba yako nokuda kwekutengesa mitero ichabhadhara chikamu chavo chemuda weimba yako yemutero.
- Kana uine Revocable Living Trust, zvino avo vanogamuchira chero ipi neipi inopfuura kunze kwekutenda kwako yakabatanidzwa muhuwandu hweimba yako nokuda kwekutengesa mitero ichabhadhara chikamu chavo chemuda weimba yako yemutero.
- Kana iwe unongova neChiratidzo Chekupedzisira neTestamende, zvino avo vanogamuchira "zvakasara" zveimba yenyu (zvinoreva nzvimbo yenyu kunze kwezvimwe zvikwereti zvakanakira uye maitiro evanhu) zvinotakura mutoro wemutero weimba.
- Kana iwe uine Revocable Living Trust, ipapo yako Forward Over Will ichapa kuti iwe wekutengesa mutero uchabhadhara kubva kune yako yekuchengetedza zvinhu uye kuvimba kwako kuchapa kuti avo vanogamuchira "zvakasara" zvekuvimba kwako zvinotakura mutoro wemutero .
- Imba inopfuurira mberi kune mumwe munhu anenge asara kana kuti kuburikidza ne Marital Trust uye mazano ekurasikirwa akashanda haazoshandisi kubhadhara mutero kunze kwekuti zvimwe zvinhu zvose zvakashandiswa pakutanga.
Mimwe Mienzaniso
Ichi chinoreva chimiro chinorevei? Heano mimwe mienzaniso:
- Funga kuti yako taxable estate inotengeswa ne $ 4,000,000, nyika yako haina kutarisa mutero wematoro, iwe wakasiya $ 5,000 kumwana wako, $ 10 000 kune hanzvadzi yako uye muyero weimba yako muzvikamu zvakaenzana kune vana vako vaviri.
Mumuenzaniso uyu mutero wemutero unenge uri $ 225 000 uye kana mutauro wako unotsanangurwa pamusoro apa unoshandiswa, ipapo muzukuru wako achagamuchira $ 5,000, hanzvadzi yako ichawana $ 10 000, uye mumwe wevana vako achawana mugove wakaenzana wemari mushure mekutengesa mutero Bhiri rakabhadharwa, kana $ 1,880,000 imwe neimwe: $ 4,000,000 - $ 15,000 muzvinyorwa - $ 225,000 mumitero = $ 3,760,000 $ 3,760,000 รท 2 = $ 1,880,000
- Funga kuti yako taxable estate inotengeswa pa $ 4,000,000, nyika yako haisaridzi mutero weimba, iwe unobva $ 100 000 yemishonga inshuwarano yehupenyu kune hama yako, $ 50,000 inobhadharwa panhoroondo yekufa kuhanzvadzi yako, $ 10,000 zvakakosha kuchechi yako, uye chikamu chenzvimbo yako muzvikamu zvakaenzana kune vana vako vaviri.
Mumuenzaniso uyu mutero wemutero uchagara uri $ 225,000 asi uchabhadharwa zvakasiyana zvakasiyana sezvo umwe neumwe anenge achiwana rubatsiro achange ane kodzero yokubhadhara chikamu chavo chechipiri chebhadhiro - hama yako ichava nemhosva ye $ 5 625 yemutemo; hanzvadzi yako ichava nemhosva ye $ 2 812.50 yemutemo; kereke yako haizovi nekutarisira kubhadhara chero chikamu chemutero wematoro sezvo zvipo kune rudo kunopfuura pasina mari yemitero nekuda kwechipo chekutora mutero; uye vana vako vachava nemhosva yekubhadhara chikwereti che $ 216,562.50. Chii chinoitika kana mukoma wako nehanzvadzi yako vachirega kugovera chikamu chavo chekugoverwa kwebhadharo yemutero? Zvadaro Mumiririri weMunhu wega kana Mufambisi Wakabudirira anogona kukwidza hama yako nehanzvadzi yako kuvamanikidza kuti vape, asi vana vako vachada kuongorora mitemo yepamutemo iyo ichabatanidzwa nekuunganidza $ 8,437.50 pakusabhadhara mutero kubva kune yavo.
- Funga kuti yako taxable estate inotengeswa pa $ 5,000,000, nyika yako haina kutarisa mutero wematoro, iwe unobva $ 50,000 uchida kumunun'una wako, $ 100,000 inobata kune hanzvadzi yako, uye chikamu cheimba yako kune mumwe wako ari mugari weUnited States .
Uyu muenzaniso unonyengera nokuti unofanirwa kuyeuka kusagadzikana kwemhuri kusingagumi - kubviswa uku kunokubvumira kusiya mari isingagumi kumurume wako mushure mokufa usingabvumi chero mutero wematoro. Saka mumuenzaniso uyu, muzukuru wako achawana $ 50,000, hanzvadzi yako ichawana $ 100,000, uye wako wako achawana mari yose ye $ 4 850 000 isina mari yemitero.
Zvechokwadi, izvi zvinongova mimwe mienzaniso yezvinowanikwa mutauro uye iwe wakasununguka kusarudza umwe wevabatsiri vako waunoda kutakura mutoro wemitero.
Somuenzaniso, mumuenzaniso wechipiri, urongwa hwehupfumi hunogona kupa kuti mitero yose ichabhadharwa kubva kune zvakasara kuitira kuti hama nehanzvadzi irege kuve nehanya nekutora chikamu chekugovana navo. Iwe unoda kuzokurukura zvose zvaunogona kuita newaini yako yekugadzirira mazano kuitira kuti uone kuti chii chinonzwisisika mumamiriro ako ezvinhu.
Chii Chinoitika Kana Iwe Usave nePurani Yeimba?
Kana iwe usina Hupenyu Hwekupedzisira neTestamente kana Revocable Living Trust uye yako inotengesa inotengesa, ipapo kubhadhara kweimba yako yemitero inotungamirirwa nemitemo yenyika yaunogara panguva yekufa kwako nemitemo chero ipi zvayo imwe nyika umo iwe une pfuma yako chaiyo kana kuti pfuma yako chaiyo.