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2018-09-2714.159518.567316.5843

Uhlelo lokwabiwa kwefa

Lolulwazi olungezansi lunikeza imihlahlandlela mayelana nama-Will kanye nokuphathwa kwempahla yalowo oshonile. Akuyithathi indawo yemithetho esebenzayo kanti akufanele kusetshenziswe njengokuzobukelwa kukona ngezomthetho.

Kungani kufanele ngibe ne-Will?

Ukuze ukwazi ukusho ukuthi obani abazohlomula futhi ubani ozokwengamela ifa lakho uma sewushonile. Kuzophinde futhi kukubeke endaweni yokuthi ukwazi ukuqoka umuntu ozozikhethela yena ozonakekela izingane zakho.

Kungani abantu abaningi namanje besashona ngaphandle kwe-Will?

Ezinye zezizathu ezijwayele ukutholakala, nakuba zingasebenzi njalo, yilezi:

  • Ukusondeza inxushunxushu – abaningi bakholelwa ukuthi uma becabanga ngokubhala i-Will bayobe sebezibizela ukufa noma amabhadi.
  • Ukuqonda kahle ezinganeni- abanye bakholelwa ukuthi izingane zabo zithembeke ngokwanele ukwabelana ifa kanye nokufanele zikuthole; ngakho-ke i-Will ayibalulekile.
  • Indawo ayibalulekile ngokwanele – abanye abantu bakholelwa ukuthi asikho isidingo se-Will uma ungenayo indawo ebiza amamiliyoni.
  • Siningi iskhathi sokubhala i-Will – abantu abaningi bakholelwa ukuthi basebancane kakhulu ukuthi bangacabanga ngokushona. Bakholelwa ukuthi abantu abasuke sebesembhedeni wokufa okufanele bacange ngokubhala i-Will.
  • Kudala uqhekeko emndenini – ukubhala i-Will kungadala udweshu kumalunga omndeni.

Kwenzekani empahleni yakho uma ushona ngaphandle kwe-Will?

Uma ushona ungenayo i-Will, okungokwakho kuyohlukaniswa ngokwemibandela yomthetho wokunikeza lezo zihlobo ezisondelene kakhulu nawe oshonile. Lokhu kungahlanganisa abazohlomula obewukade ungafisi ukuthi bahlomule noma kungashiya ngaphandle labo bantu obewungafisa ukuthi bahlomule.

I-Master yaseNkantolo eNkulu iyoqoka umuntu noma umlondolozi ozobhekela noma ozophatha ifa lezingane zakho ezisencane kanye nefa lazo liyoya kuMgadi weSikhwama. Umgadi, okungaba ohlukile kulo muntu obewungafisa ukuthi anakekele izingane zakho, angaqokelwa kulo msebenzi yinkantolo.

Okokugcina, uma umuntu eshona engagyibhalanga i-Will, i-Master yenkantolo iziqokela umlondolozi.

Yimiphi imisebenzi ye-Executor ye-Will?

Imisebenzi emqoka yomlondolozi yile:

  • Ihlonza bese yenza uhlu lwempahla yalowo oshonile;
  • Yamukela inkokhelo okufanele itholakale njengenzalo, ukuhlukaniswa kwefa, inzalo kanye nezinye izimali (isibonelo, umholo obewungakakhokhwa, imali yekhefu kanye neminye imihlomulo yenkampani);
  • Ifaka isaziso kulabo abakweleta oshonile ;
  • Ikhokha izindleko zomngcwabo, izikweleti ezisasele, kanye nezicelo zefa eziqinisekisiwe zendawo yalowo oshonile;Yakha amafayela bese ikhokha intela yemali engenayo neyendawo;
  • Ihlonza ukuthi ubani okufanele athole ini futhi engakanani bese yaba ngokwemiyalelo ebekwe kwi-Will;
  • Ibheka ifa elidinga ukuthi liqashelwe.

Ubani ongangibhalela i-Will?

Kubalulekile ukuthi ube nomuntu onolwazi oludingekayo kanye nobungoti ozokubhalela i-Will yakho. Inkampani yabameli, ibhange lakho, noma inkampani ye-trust ingakusiza ekubhaleni i-Will. Uma seyibhalwe yaqedwa i-Will uyasayina bese ufaka usuku osayine ngalo bekhona bobabili ofakazi ukuze ibe semthethweni. Bobabili ofakazi kufanele babe neminyaka eyi-14 noma ngaphezulu bakwazi futhi ukunika ubufakazi enkantolo. Kufanele kube umuntu onengqondo esebenza kahle okuzoba yisivivinyo leso sokukwazi ukunika ubufakazi enkantolo. Akufanele umuntu ozohlomula kwi-Will azibandakanye nokubhalwa kwayo noma abe ufakazi ngesikhathi isayinwa. Umuntu oqinisekisa bese esayina i-Will njengofakazi noma azibandakanye ekubhalweni kwayo akabi nalo ilungelo lokuhlomula kuleyo Will.

Amaphi amaphepha adingekayo uma ngibhala i-Will?

Udinga la maphepha alandelayo ukuze ubhale i-Will:

  • Igama kanye nemininingwane yozongamela ifa lakho.
  • Igama kanye nenombolo ye-ID yomkhwenyana/yankosikazi wakho bese usho ukuthi ushade kanjani, umshado ohlukanisa amafa, njalonjalo).
  • Ikhophi yesitifiketi somshado. Kungabe udivosile esikhathi esingeside esedlule? Uma kunjalo, kuyodingeka ikhophi yencwadi yokudivosa kanye nesivemelwano sokwabelana impahla.
  • Kuyodingeka amagama aphelele ezingane zakho zonke kanye nezinombolo zama-ID azo kuhlanganisa nezingane ezi-adopthiwe nezingane ezizalwe ngaphandle kwasemshadweni, ofisa ukuthi zihlomule kwi-Will yakho.
  • Amagama kanye nezinombolo zama-ID abazukulu ofisa ukuthi bafakwe.
  • Igama kanye nemininingwane yokuxhumana nalowo ogade izingane uma kwenzeka ukuthi unezingane ezisezincane.
  • Imininingwane yefa lakho ofisa ukuthi linikelwe ezikhungweni njengasesontweni, indawo egcina abantu abagulela ukufa, indawo yezintandane, njalonjalo.
  • Imininingwane yanoma yimuphi umuntu wesithathu noma isikhungo ofisa ukuthi sihlomule efeni lakho.
  • Amakhophi amatayitela ezindawo eziseNingizimu Afrika noma indawo oyithenge ngemali yasebhange.
  • Amakhophi omshwalense, njenge-endowment policy, life policy, credit life policy, njalonjalo
  • Uhlu lwazo zonke izinto ozikhokhelayo.

Lezi zinto ezingenhla ziyoba yingxenye yohlu lwezinto ezingakusiza uma ubhala i-Will yakho.

Kungabe ikhona imibandela engabekwa kwi-Will?

Ezikhathini eziningi, ama-Will asetshenziselwa ukunika umhlahlandlela ukuthi yinini nokuthi ifa lizodluliswa kanjani kulabo okufanele balithole. Ungahlela ukuthi izingane zakho zizilawulele ifa lazo ezikhathini ezithile zempilo yazo. Isibonelo, u-one-third wefa lazo ungatholakala sezineminyaka engama-21 bese kuthi imali esele itholakale sezineminyaka engama-25 noma ithokalale emva kwale minyaka yobudala (25) uma kunesizathu esizwakalayo. Ngokujwayelekile, lezi zinhloso kuphumeleleka kuzona ngokuthi kwakhiwe isikhwama kwi-Will yakho. Uma wenze kanjalo, kuyodingeka futhi ukuthi unikeze imininingwane egcwele yalowo mgcini sikhwama kanye nemigomo yaleso sikhwama. Lowo obhale i-will angafaka nanoma emiphi imibandela kwi-will yakhe uma nje leyo migomo isemthethweni noma ingaphikisani nendlela yokuziphatha kahle komphakathi.

Yini inhloso ye-Trust?

Inhloso yesikhwama ukuvikela okungokwezingane ezingaphansi kwesandla sakho esikhathini lapho zingakwazi ukuzenzela bona. Ummeli, ibhange noma umeluleki wezezimali obhaliswe ngokusemthethweni angakusiza ukwakha isikhwama. Isikhwama singakwazi ukuthi sibe wumnikazi wendawo, sithole iminikelo bese samukela imali efeni lakho uma wena ushona. Okwenza ukuthi isikhwama sivikeleke ukuthi izinqumo zaso zithathwa ababhekelele sona isikhwama obaqokile ngesikhathi usakha (isikhwama). Abazohlomula bangakwazi ukufaka isicelo semihlomulo yabo eminyakeni noma esikhathini esibhalwe kwi-Will.

Kungani ngingasebenzisi incwadi, noma amanye alama-“will kits” asebenza ngekhompyutha engiwabone ezitolo zezincwadi bese ngizenzela mina i-will yami?

Akuwona umqondo ophusile ukuzibhalela i-Will. Abaqeqeshiwe okufanele babhale i-Will. I-Will kufanele icace, ibe mfishane, imele izinhloso eziyiqiniso zomnikazi wayo bese ihambelane nezidingo zomthetho ukuze ibe semthethweni. Ama-Will abhalwe umuntu ongenaso noma onesipliyoni esincane aholela ezinkingeni. Khumbula: uma “sekukhuluma” i-Will, umuntu osuke eyibhalile usuke engasekho lapho!

Hlobo luni lwentela olukhokhwayo emva kokushona?

Uhulumeni ubamba imali efeni, okuwuhlobo lwentela efeni lakho uma sewushonile. Ayikho imali eyintela efeni lakho okufanele ikhokhwe uma ifa lakho, okungahlanganisa indawo, umshwalense nemali, okungaba yimali, uma isihlanganisiwe, engaphansi kuka R 3 500 000. Nakuba kunjalo, ifa lakho kuyofanele likhokhe u-20% wentela yefa kunanoma yisiphi isamba esingaphezu kuka R3 500 000. Amafa angena ngaphansi kweNtela ye-Capital Gains.

Kufanele ngiyigcine kuphi i-Will yami?

Ayikho indawo ekhethekile yokugcina i-Will. Nakuba kunjalo, i-Will kufanele igcinwe endaweni ephephile. Amabhange amaningi, ama-accountant, ama-trust company, abameli kanye nabeluleki bezezimali ababhaliswe ngokusemthethweni bayawagcina ama-Will bewagcinela amakilayenti abo.

Kungumqondo omuhle ukuthi wenze ikhophi ye-Will yakho, ibhalwe ngokucacile ngegama elithi “Ikhophi”. Futhi kufanele ubhale kwikhophi ukuthi igcinwe kuphi i-Will okuyiyonayona. Okubalulekile, qinisekisa ukuthi wazisa lowo ozokwengamela ifa lapho kugcinwe khona i-Will.

Kubalulekile yini ukuthi ngiyibuyekeze i-Will yami?

Kudingeka ukuthi ama-Will abuyekezwe isikhathi nesikhathi, ikakhulukazi uma kukhona izinto ezibalulekile ezenzeke empilweni yomnikazi we-Will. Lezi zinto zihlanganisa ukuzalwa kwengane, umshado, idivosi.