Iifom zetrust ethembekileyo zinokukunceda wenze umyolelo okanye ukuthembakala okuphilayo okungabuyiswayo. La maxwebhu awakuvumeli nje ukuba uxelele ukuba ngubani oza kufumana ilifa lakho ekufeni kwakho, kodwa kunika usapho uxolo lwengqondo ngokwazi ukuba bayayenza iminqweno yakho yokugqibela.
Ungazisebenzisa njani ezi fomu?
Iitemplate ezingezantsi zinokukunceda wenze nokuba yeyiphiUmyolelo okanye iTrust Living Reversable Trust. Ezi tempile ziyilelwe iindawo ezilula, ezichanekileyo. Ungenza ngokwezifiso igama labo ukuba ngubani oza kufumana izinto zakho ezibonakalayo, ezizezakho kunye nentsalela (yonke enye into). Gcwalisa nje ulwazi olufanelekileyo kwaye uprinte ukusayina phambi kwenotari.
- Ukukhuphela ifom, cofa nje kumfanekiso waleyo uyifunayo. Oku kuyakuvulela ibhokisi ukuze ugcine ifom kwikhompyuter yakho. Emva koko unokuvula uxwebhu olugciniweyo kwikhompyuter yakho kwaye ulutshintshe njengoko kufuneka.
- Ukuba ufuna uncedo lokukhuphela izinto eziprintiweyo, jonga eziiingcebiso eziluncedo.
- Ukuba wenza i-Revocable Living Trust, kuya kufuneka ugcwalise iTemplate yokuGqibela yokuBhala kunye neTestamente kwaye ubandakanye igama le-trust njengomthathiyo kwigatya lokuhlala kwindawo yakho yokuthanda.
- Imifanekiso yokuHlala kwabaDala abaDala ngokuSebenza
- Iindlela zokuLungisa iinwele zaBadala
- Imifanekiso yeZimvo zokuZilolonga eziPhezulu
 Cofa ukukhuphela itemplate. |  Cofa ukhuphele itemplate yethemba lokuphila. |
Isampulu yeTrust yeThemba lokuPhila
Itrasti ephilayo eguqukayo luxwebhu olwenziweyo ngexesha lokuphila komnikeli (umntu owenza itrasti, ngamanye amaxesha obizwa ngokuba ngumphathiswa). Umnikezeli usebenza njengotrasti wetrasti kwaye ugcina ulawulo olupheleleyo lweeasethi zetrasti ngexesha lokudla kwakhe ubomi. Emva kokubhubha komnikeli, iiasethi zetras ezisaseleyo zisasazwa ngokungqinelana nemigaqo yetrasti, ngokungathi ziphantsi komyolelo wokugqibela.
Izibonelelo zeTrust Living
Itrasti ephilayo lukhetho olunomtsalane kubantu abaneeasethi ezinkulu, okanye kwabo bafuna iinkcukacha zelifa labo bahlale bengasese. Ngokungafaniyo nomyolelo, iitrasti ezinokurhoxiswa azixhomekekanga kubungqina bokufa komnikeli, ngenxa yoko uxwebhu lwentembeko alwenziwa esidlangalaleni. Kananjalo, akukho bungqina buthetha ukuba ilifa lakho liya kujongana neendleko ezimbalwa, ezizezi iifizi zegqwetha, ezinxulunyaniswa nokulawula ilifa.
Olunye uncedo lwentembeko ephilayo kukuba ikuvumela ukhethe ukuba ngubani oza kulawula i-trust, kwaye ke ulawule iimali zakho, kwimeko apho ungabinakho kwaye ungabinakho ukuphatha imicimbi yakho yezemali. Ukuba awunawo amaxwebhu akhoyo kwaye awunakho ukusebenza, inkundla kuya kufuneka ichonge umntu oza kuphatha imicimbi yakho, kwaye kusoloko kukho ithuba lokuba umntu oqhubela phambili ukuba anyulwe ayinguye lo mntu ubuya kumkhetha.
inobunzima obungakanani imoto ephakathi
Izinto ezingalunganga kwiTrust ephilayo
Eyona nto iphambili kwi-trust ethembekileyo kukuba kufuneka ukhumbule ukuhambisa yonke impahla yakho kwi-trust. Oku kuthetha ukwenza imisebenzi yokuhambisa ubunini bekhaya lakho kunye nenye ipropathi eyiyo kwi-trust, utshintshe izihloko kwizithuthi, utshintshe umnini wazo zonke iitsheki, ugcino, kunye nezinye iiakhawunti zotyalo-mali, kunye nokunikezela ipropathi yobuqu kwi-trust. Ukuba uneeasethi ngegama lakho ekufeni kwakho, kukho ithuba lokuba umntu ophathiswe ngentlawulo kuyakufuneka alinganise ilifa lakho ukuze athumele ezi asethi kwi-trust.
Oku kuthetha ukuba nangona wenze i-trust, usadinga ukwenza umyolelo wokugqibela kunye nomyolelo xa kunokwenzeka ukuba ulibale ukuhambisa ipropathi kwi-trust. Lo myolelo uya kwaziwa njenge '-pour-over will,' ushiya yonke ipropathi uyithembe.
Gcina ukhumbula ukuba ukubeka iiasethi kwitrust enokurhoxa akusiphelisi isidingo sokuhlawula iirhafu zorhulumente nezelizwe. Ithintela nje isidingo sobungqina.
Umyolelo wokugqibela kunye neTestamente
Umyolelo luxwebhu olusemthethweni oluchaza indlela lowo wenza umyolelo (umntu owenze umyolelo) afuna ngayoIzinto eziza kwabiwa ekufeni. Ikwavumela ukuba ukhethe ummeli wakho, okanye umabi welifa, ukuze aphathe ukulawulwa kwelifa lakho. Ukuba usweleka ngaphandle kwe-Ngaba, umthetho welizwe uxela ukuba ngubani oza kufumana iasethi yakho, kwaye ngawaphi amanani.
Umyolelo wakho kufuneka utyikitywe nguwe, phambi kwamangqina amabini ubuncinci, kwaye ubhalwe. Ukuba awusayini phambi kwamangqina, okanye ukuba awuyifumani i-notarised, kusenokwenzeka ukuba ummeli wakho buye wamkelwa njengobungqina. Kodwa iyakufuna iinkqubo zenkundla ezibiza imali eninzi, kwaye akukho siqinisekiso sokuba inkundla iyakuvuma-oko kuthetha ukuba ilifa lakho liza kwabiwa ngokuhambelana nomthetho welizwe.
Izinto eziluncedo kumyolelo welifa
Kubantu abaninzi, umyolelo uxwebhu oluthe ngqo. Ukuba amafa alula - zonke iiasethi kwiqabane lakho okanye iqabane, zilandelwa ngabantwana bakho (okanye iseti encinci efanayo yabaxhamli), ngokuthe ngqo kwaye zingathembeki- ubungqina abunakwenzeka ukuba bube nzima okanye bubize.
Akukho sidingo sokutshintsha ubunini bayo nayiphi na i-asethi enjengaleyo ukuba wenza ukuthembana okuphilayo. Oku kuthetha ukuba akukho ndleko zongezelelekileyo zinxulunyaniswa nokwenza umyolelo kuba awuyi kufuna ukuyila kunye nokufaka iifayile kunye namanye amaxwebhu obunini.
Ukungancedi kumyolelo
Nje ukuba wamkelwe njengobungqina, umyolelo uya kuba luxwebhu loluntu. Oku kuthetha ukuba nabani na ozimisele ukuya kwinkundla yendawo angatsala irekhodi lakho lobungqina kwaye abone ukuba ushiye nabani (okanye akashiyanga) kwilifa lakho, kwaye unemali engakanani.
Kulula kakhulu ukukhuphisana nomyolelo kunokuba kukuthenjwa. Ummeli wobuqu kufuneka azise izizalwane zalowo ungasekhoyo (ngesiqhelo iqabane kunye nabantwana) ukuba ilifa liyamkelwa, kwaye ngoobani abaxhamli. Lo ayisiyongxaki ukuba iqabane lakho okanye abantwana bakho bamiselwe ukufumana ilifa lakho.
Ukuba iqabane lakho okanye abantwana bakho ababekelwanga ukuba badle ilifa lelifa lakho, isaziso kwizalamane kunokuba yingxaki kuba isaziso sikwabandakanya namagama abaxhamli. Unyana wakho angonwabi kukubona ukuba ushiye yonke into yakho kwilifa kwaye unokuzama ukuyicela umngeni. Umphathiswa wetrasti ephilayo, kwelinye icala, akanyanzelekanga ukuba anike isalamane sikamufi naluphi na ulwazi malunga nokuhanjiswa kwempahla yequmrhu.
Ukufumana iGqwetha loCwangciso lweZakhiwo
Nokuba uMyolelo wokugqibela kunye neTestamente okanye itemplate yeRevocable Living Trust ayenzi themba longezelelekileyo kubantwana abanokufumana ilifa. Ngelixa uxwebhu lunika umntu omele wena okanye umphathiswa igunya lokwenza itrasti yokubamba ilifa lomntwana, ukuba ufuna ilifa lomntwana wakho ligcinwe ngentembeko, kuya kufuneka ufune iingcebiso zegqwetha elinamava lokucwangciswa kwezindlu elinokukunceda uyile itrasti ukwanela iimfuno zakho.
yintoni ivumba elenziwa ziikati
Unokunqwenela ukusebenzisa iitrust ukuba utshatile kwaye unabantwana bomtshato wangaphambili. Igqwetha elinamava lokucwangciswa kwezindlu linokukunceda uyile itrasti eya kuvumela iqabane lakho langoku ukuba lixhamle kwilifa lakho kwaye uninzi lwalo ludlulisele kubantwana bakho ekufeni kwakhe.
Ezi templates zikwabonelela ngokhuseleko ukukhusela okanye ukunciphisa umanyano okanye ilizweirhafu yendawo yokuhlala. Uninzi lwamafa alula alunakuze luhlawule rhafu yearhente; Ngo-2015, i-federal Ukuxolelwa kwirhafu yi- $ 5.43 yezigidi, oko kuthetha ukuba ilifa lakho liya kuhlawula kuphela irhafu yexabiso ukuba ixabiso lalo lingaphezulu kwelo xabiso. Nangona kunjalo, ukuba unempahla enkulu, kuya kufuneka udibane negqwetha elinamava lokucwangciswa kwezindlu.
Qalisa ukucwangcisa ngoku
Ukuba ufuna ukuqinisekisa ukuba impahla yakho yabiwa ngokuhambelana neminqweno yakho xa usweleka, kufuneka uqale ucwangcise ngoku. Ezi tempile zasimahla zinokukunceda ekulungelelaniseni imicimbi yakho, kwaye zikunike nosapho lwakho uxolo lwengqondo.
