Diyaarinta Xaaskaaga / Masruufkaaga
Caymiska Caafimaadka ama Kaydka Caafimaadka waa nooc ka mid ah hantida oo matalaysa heshiiska qandaraaska ee canshuuraha ah, markaa ma baddali kartid milkiilaha xisaabtaada Hay'adda Dib-u-noqoshada Dib-u-noqoshada ah. Bedelkeeda, waxaad u baahan doontaa inaad u qoondayso mid ama ka-faa'iideystayaal si aad u hesho "HSA" ama "MSA" markaad dhimato. Waa kuwan qaar ka mid ah waxyaabaha la tixgelinayo markaad dooranaysid ka-faa'iideystayaashaada HSA ama MSA.
01 Hantidhawrka Xayawaanka ah - Guriyeynta Nontaxable
02 Hantidhawrka Xayawaanka ah - Hantida Canshuuraha ah
Haddii aad isqabteen oo hantidaadu tahay mid la canshuuri karo, markaa waa inaad tixgelisaa magaca magacaaga ' Revocable Living Trust ' oo ka faa'iideysanaya HSA ama MSA. Tani waxay hubineysaa in cashuur dhaafkaaga gaarka ah loo isticmaali karo in lagu maalgeliyo AB-yada Wax-soosaarista ee lagu abuuray shuruudaha kalsoonidaada ee faa'iidada lamaanahaaga. Caqabada ugu weyn ee lagu magacaabayo kalsoonidaada waa in qiimaha suuq galka ah ee HSA ama MSA ay ubaahantahay in lagu daro canshuurta dakhliga kama dambaysta ah. Si kastaba ha ahaatee, xusuusnow, in qadarka la canshuuri karo laga yareeyn karo kharashyada caafimaadka ee laguu aqoonsan karo lagaa bixinayo muddo hal sano ah markaad dhimato. Waa inaad la tashataa qareenka qorshahaaga guryaha si loo go'aamiyo haddii lamaanahaaga ama amaankaaga loo magacaabay inuu yahay ka-faa'iideyste.
03 Xayeysiinta Guurka - Guurka labaad ama dambe
Haddii aad ku jirto guurka labaad ama ka dib, waa inaad tixgelisaa magacaabista carruurtaada ama ka-faa'iideystayaasha kale sida ka-faa'iideystayaasha asaasiga ah ee HSA ama MSA. Tani waxay xaqiijineysaa in xisaabta ay u gudbeyso ka-faa'iideystayaasha aad dooratay. Caqabada ugu weyn ee lagu magacaabi karo qof aan ahayn xaaskaaga / saygaaga oo ah ka-faa'iideystaha asaasiga ah waa in qiimaha suuq-geynta suuqa ee HSA ama MSA ay u baahan tahay in lagu daro qof kasta oo ka-faa'iideyste ah ee dakhliga canshuurta ee ka-faa'iideystaha ah. Qaddarka la canshuuri karo, si kastaba ha ahaatee, waa la dhimi karaa kharashyada caafimaadka ee laguu aqoonsan karo lagaa bixinayo hal sano oo ah dhimashadaada. Waa inaad la tashataa qareenkaaga qorshahaaga guryaha si loo go'aamiyo haddii xaaskaada ama ka-faa'iideystayaasha kale loo magacaabay inay noqdaan ka-faa'iideyste hoose.
04 Lacagta Xisaabaadka kaliya
Haddii aad tahay keligiis, markaa waxaad leedahay labo ikhtiyaar oo ka-faa'iideystahaaga koowaad: Lambarkaaga Dib-u-noqoshada ah ama ka-faa'iideystayaasha shakhsi ahaaneed. Haddii mid ka mid ah ka-faa'iideysteyaasha Your Deportable Living Trust waa da 'yaryar, markaa waxaad u baahan doontaa inaad magacawdo kalsoonidaada oo ah ka-faa'iideystaha asaasiga ah si loo hubiyo in koontadu aysan ku xirnayn mas'uuliyadda kormeerka maxkamadda adigoo metelaya qof yar. Ogsoonow in inta lagu jiro xisaabta loo baahan yahay in lagu daro dakhliga cashuurta ee kaqaybgalayaashaada, qadarka la canshuuri karo ayaa hoos u dhigi kara kharashyada caafimaad ee lagaa bixiyo oo lagaa bixiyo lacag ahaan hal sano oo ah dhimashadaada. Waa inaad la tashataa qareenka qorshahaaga guryaha si loo go'aamiyo haddii aad aaminsan tahay ama ka-faa'iideystayaasha kale ee loo magacaabay inay tahay ka-faa'iideyste hoose.