Chifukwa Chake Timafunikira Chifuniro mu BC

Tetezani Okondedwa Anu

Kukonzekera chifuniro chanu ndi chimodzi mwazinthu zofunika kwambiri zomwe mungachite m'moyo wanu, kufotokozera zofuna zanu mukadzapita. Imatsogolera banja lanu ndi okondedwa anu pakusamalira malo anu ndikukupatsirani mtendere wamumtima kuti omwe mumawakonda amasamalidwa.

Kukhala ndi chikalata chamasiye kumayankha mafunso onse ofunika monga kholo, monga ngati kuti ndani angalere ana anu aang’ono ngati nonse mufa ndi mwamuna kapena mkazi wanu. Chifuniro chanu ndi njira yabwino kwambiri yowonetsetsa kuti anthu ena, mabungwe othandizira ndi mabungwe omwe mumawakonda amalandira phindu la malo anu. Chodabwitsa n'chakuti, anthu ambiri a ku British Columbians sanasamale kukonzekera Will ndi testament yawo yomaliza, ngakhale kuti nthawi zambiri zimakhala zosavuta kuposa momwe amaganizira.

Malinga ndi BC Notaries Kafukufuku yemwe adachitika mu 2018, 44% yokha ya aku Briteni ali ndi chifuniro chosainidwa, chovomerezeka mwalamulo komanso chaposachedwa. 80% ya anthu azaka zapakati pa 18 ndi 34 alibe chilolezo chovomerezeka. Pofuna kulimbikitsa anthu aku BC kuti alembe zofuna zawo, kapena kubweretsa zomwe zilipo kale, boma la BC lidayambitsa Make-a-Will-Week pa Okutobala 3 mpaka 9, 2021, kuwalimbikitsa kuti athetse kusapeza bwino kapena kusokoneza.

Kodi chifuniro chalamulo chimapanga chiyani mu BC?

Zofunikira zitatu ziyenera kukwaniritsidwa kuti chifuniro chiwoneke ngati chovomerezeka ku British Columbia:

1. Ziyenera kukhala zolembedwa;
2. Iyenera kusainidwa kumapeto, ndipo;
3. Iyenera kuchitiridwa umboni moyenera.

Mu Marichi 2014, British Colombia idapanga Will, Estates and Succession Act, WESA, lamulo latsopano lolamulira wilo ndi malo. Chimodzi mwa zosintha zazikulu zomwe zidayambitsidwa mulamulo latsopanoli chinali chinthu chotchedwa curative provision. Makonzedwe ochiza amatanthauza kuti ngati chikalatacho sichikukwaniritsa zofunikira, makhothi tsopano "angathe "kuchiritsa" zofooka za chifuniro chosweka ndikulengeza chifunirocho. WESA imaperekanso chilolezo ku Khothi Lalikulu ku BC kuti lidziwe ngati chivomerezo chosamalizidwa chingakhale chovomerezeka.

Monga wokhala ku BC, muyenera kusaina chifuniro chanu motsatira British Columbia Wills Act. The Wills Act imanena kuti mboni ziwiri ziyenera kuwona siginecha yanu patsamba lomaliza la chifuniro chanu. Mboni zanu ziyenera kusaina tsamba lomaliza mukatha. Mpaka posachedwapa, inki yonyowa inkagwiritsidwa ntchito kusaina pangano ndipo kope lenileni liyenera kusungidwa.

Mliriwu udapangitsa kuti chigawochi chisinthe malamulo okhudza siginecha, kotero ogwiritsa ntchito atha kukhala ndi msonkhano weniweni ndi mboni ndikusaina zikalata zawo pa intaneti. Mu Ogasiti 2020, malamulo atsopano adakhazikitsidwa kuti alole anthu omwe ali m'malo osiyanasiyana kuti agwiritse ntchito luso laukadaulo kuti achitire umboni za wilo, ndipo kuyambira pa Disembala 1, 2021 zosintha zidaperekanso mawilo amagetsi kuzindikirika ngati zofuna zakuthupi. BC idakhala gawo loyamba ku Canada kusintha malamulo ake kuti alole kusungitsa mafayilo pa intaneti.

Mitundu yonse yamagetsi tsopano ndiyovomerezeka, koma a British Columbians akulimbikitsidwa kwambiri kuti asunge zofuna zawo mumtundu wa PDF, kuti ntchito ya probate ikhale yosavuta momwe angathere kwa woweruzayo.

Kodi chimachitika ndi chiyani ngati mutamwalira popanda kusiya chikalata cholembera?

Ngati mumwalira popanda chilolezo, boma lachigawo lidzakuonani ngati munamwalira mutangobadwa kumene. Ngati mumwalira musanachitike, makhothi adzagwiritsa ntchito BC Wills, Estates ndi Succession Act kusankha momwe mungagawire katundu wanu ndi kukonza zinthu zanu. Adzaika woyang'anira ndi woyang'anira ana ang'onoang'ono. Posankha kusagwiritsa ntchito ufulu wanu waku Canada wochita chifuniro mukadali ndi moyo, mumalephera kulamulira zomwe mukufuna mukakhala kulibenso kudzatsutsa.

Malinga ndi Wills, Estates and Succession Act, dongosolo logawira nthawi zambiri limatsatira dongosolo ili:

• Ngati muli ndi mkazi koma mulibe ana, chuma chanu chonse chimapita kwa mwamuna kapena mkazi wanu.
• Ngati muli ndi mwamuna kapena mkazi komanso mwana yemwenso ndi wa mwamuna kapena mkazi wanu, mnzanuyo adzalandira $ 300,000 yoyamba. Chotsaliracho chimagawidwa mofanana pakati pa mwamuna kapena mkazi ndi ana.
• Ngati muli ndi mwamuna kapena mkazi ndi ana, ndipo anawo sali a mwamuna kapena mkazi wanu, mwamuna kapena mkazi wanu adzalandira $150,000 yoyamba. Chotsaliracho chimagawidwa mofanana pakati pa mwamuna kapena mkazi ndi ana anu.
• Ngati mulibe ana kapena mkazi, chuma chanu chimagawidwa mofanana pakati pa makolo anu. Ngati m’modzi yekha ali moyo, kholo limenelo lidzalandira chuma chanu chonse.
• Ngati mulibe makolo otsala, abale anu adzalandira chuma chanu. Ngati nawonso sakupulumuka, ana awo (adzukulu anu ndi adzukulu anu) aliyense amapeza gawo lake.

Ndikofunika kuzindikira kuti okwatirana wamba, ena ofunika kwambiri, okondedwa ena ngakhale ziweto sizimangotchulidwa m'malamulo a zigawo. Ngati muli ndi zokhumba zomwe zikukhudza omwe mumawakonda kwambiri, ndikofunikira kuti kupanga wilo kukhala chinthu chofunikira kwambiri.

Kodi pali chowonjezera pa zosasangalatsa ndi zovuta kwa ine?

Iyi ndi mbali yolemba wilo yomwe anthu ambiri amaphonya. Zingakhaledi zomvetsa chisoni kupatula maola angapo kuti munthu avomereze kufa ndi kupanga mapulani a malowo moyenerera. Kulemba wilo ndi chinthu chachikulire kuchita.

Anthu ambiri amafotokoza za mpumulo ndi ufulu pambuyo poti zinthu zomwe zidasiyidwa zidasamaliridwa. Zayerekezedwa ndi mpumulo womwe umatsagana ndi kuyeretsa ndi kukonza m'galaja kapena chipinda chapamwamba - mutayimitsa kwa zaka zambiri - kapena pomaliza kugwira ntchito yamano yofunika kwambiri. Kudziŵa kuti okondedwa awo ndi nkhani zina zidzasamaliridwa bwino kungakhale komasula, ndipo kuchotsa mtolo umenewo kungapangitse lingaliro latsopano la chifuno cha moyo.

Kodi ndikufunika loya kapena notary public kuti ndilembe chikalata chovomerezeka?

Yankho losavuta ndilakuti ayi, simukufuna loya kuti apange wilo yosavuta ndikulemba mphamvu zanu zokhazikika za loya kapena mapangano oyimilira pa intaneti. Chifuniro chanu sichiyenera kulembedwa mu BC kuti chikhale chovomerezeka. Affidavit ya kuphedwa iyenera kulembedwa notarized. Komabe, chikalata chovomerezeka chakupha sichofunikira mu BC ngati kufuna kwanu kuyenera kuyesedwa.

Chomwe chimapangitsa kuti chifuniro chanu chikhale chovomerezeka si momwe mudachipangira, koma kuti mudasayina bwino ndikuchitiridwa umboni. Pali ma tempulo opanda kanthu pa intaneti omwe mungagwiritse ntchito kupanga chifuniro chachangu cha ndalama zosakwana $100. Bungwe la British Columbia panopa silikuzindikira chifuniro cholembedwa pamanja chopangidwa popanda makina kapena mboni. Ngati mulemba pamanja wilo yanu mu BC, muyenera kutsatira njira yovomerezeka yochitira umboni moyenera, choncho ndi chikalata chomangirira mwalamulo.

Chifukwa chiyani ndiyenera kuganizira zokhala ndi loya kuti andilembe wilo yanga?

Malo okonzedwa mwaluso amatha kuthetsa kapena kuchepetsa nkhawa, misonkho ndi mikangano kwa okondedwa. Tikudziwa kuti kukonzekera mwalamulo kudzawonetsetsa kuti zofuna zanu zikukwaniritsidwa kuti banja lanu lipindule komanso mabungwe omwe mumathandizira. ”
-Jennifer Chow, Purezidenti, Canadian Bar Association, BC Nthambi

Nazi zitsanzo zingapo za zovuta zomwe zingafune upangiri wa akatswiri:

• Ngati ziganizo zanu sizinalembedwe momveka bwino, zitha kupangitsa kuti wolowa m'malo wanu awononge ndalama zambiri komanso zitha kukhala chifukwa cha nkhawa.
• Ngati mwasankha kulemba chifuniro chanu papepala, n’zosavuta kuti wina wa m’banja mwanu kapena mnzanu akatsutse m’khoti.
• Ngati simukufuna kuti mwamuna/akazi anu alandire chilichonse mwa chuma chanu, muyenera kupeza upangiri kwa loya wa wilo ndi malo chifukwa WESA imawaphatikiza.
• Ngati mukufuna kupatsa ana anu kukhala opindula kapena achikulire omwe ali ndi zosowa zapadera omwe amafunikira thandizo lazachuma nthawi zonse, chikhulupiliro chiyenera kukhazikitsidwa mu chifuniro chanu.
• Ngati simukufuna kuti ana anu akhale opindula kwambiri, koma adzukulu anu, mwachitsanzo, mudzafunika kukonza trust kwa iwo.
• Ngati mukufuna kuti mwana wamng'ono alandire ndalama zotsalira za trust fund akafika zaka 19, koma mukufuna kuti munthu wina osati woyang'anira wamkulu aziyang'anira thumba la trustee; kapena ngati mukufuna kufotokoza momwe ndalamazo ziyenera kugwiritsidwira ntchito popindula ndi wopindula ndalamazo zisanatulutsidwe.
• Ngati mukufuna kupereka ku zachifundo, zingakhale zovuta kuziyika, kutchula dzina la bungwe ndikulumikizana nawo kuti akonze. (Kuphatikiza apo, mungafune kutsimikizira kuti malo anu akulandila msonkho wachifundo kuti muchepetse kuchuluka kwa misonkho yomwe iyenera kulipira. Si mabungwe onse omwe angakupatseni malisiti a msonkho.)
• Ngati muli pakati pa chisudzulo, kapena mukuvutikira kulera ana mutapatukana, zingakhudze chuma chanu.
• Ngati muli ndi malo ndi munthu wina, monga wobwereketsa-wamba, woyang'anira chipangano chanu akhoza kukumana ndi zovuta popereka gawo lanu la katunduyo, pamene wolamulira wanu akufuna kugulitsa.
• Ngati muli ndi malo osangalalira, malo anu adzakhala ndi msonkho wamtengo wapatali pa imfa yanu.
• Ngati mukuyendetsa kampani yanu kapena ndinu ogawana nawo kampani, chifuniro chanu chiyenera kukhala ndi chidziwitso cholondola cha zilakolako zanu za tsogolo la kampani.
• Mukufuna kusankha yemwe angasamalire ziweto zanu kapena kukhazikitsa thumba la pet mu chifuniro chanu.

Maloya onse ndi notaries pagulu akhoza kukonzekera wilo ku British Columbia. Chifukwa chomwe muyenera kufunsa loya kuti akulangizeni ndikuti sangakupatseni uphungu wazamalamulo komanso kuteteza chuma chanu kukhothi.

Loya samangokupatsani chitsogozo chalamulo koma adzaonetsetsa kuti zilakolako zanu zomaliza sizisinthidwa. Ngati mwamuna kapena mkazi wanu atsatira chigamulo cha chigamulo cha chigamulo cha chigamulo, loya adzathandizanso amene mwasankha kuchita zimenezi.

Maloya olinganiza malo angakuthandizeninso pazinthu monga msonkho wa ndalama, ana aang’ono akamwalira asanafike msinkhu, inshuwalansi ya nyumba ndi nyumba, maukwati achiŵiri (okhala ndi ana kapena opanda ana) ndi maubwenzi apabanja.

Kodi probate mu BC ndi chiyani?

Probate ndi njira ya makhothi a BC kuvomera chifuniro chanu. Sizinthu zonse zomwe zimayenera kupyola muyeso, ndipo ndondomeko za banki yanu kapena bungwe lazachuma nthawi zambiri zimatsimikizira ngati akufuna thandizo la probate musanatulutse katundu wanu. Palibe malipiro a probate mu BC ngati malo anu ali pansi pa $25,000, ndi chindapusa cha magawo akulu kuposa $25,000.

Kodi chifuniro changa chingatsutsidwe ndi kutembenuzidwa?

Anthu akamakonzekera zofuna zawo mu BC, ambiri saganizira kuti olowa m'malo awo, kapena ena omwe angapindule nawo omwe amakhulupirira kuti ali ndi zifukwa zovomerezeka, atha kuyambitsa nkhondo yalamulo kuti asinthe zomwe akufuna. Tsoka ilo, kutsutsa chifuniro ndi Chidziwitso Chotsutsa ndizofala.

Kutsutsa chifunirocho kungatheke ntchito isanayambe kapena itatha. Ngati palibe vuto lomwe lapangidwa, ndipo chifunirocho chikuwoneka kuti chachitidwa bwino, nthawi zambiri chimaonedwa kuti ndi chovomerezeka ndi khoti panthawi ya probate. Komabe, milanduyi idzayimitsidwa ngati wina anganene chimodzi mwa izi:

• Chifunirocho chinachitidwa mosayenera
• Wopangayo analibe luso la testamentary
• Chisonkhezero chosayenera chinaperekedwa kwa wochita testa
• Kusiyanasiyana kwa chifuniro kumafunika pansi pa malamulo a British Columbia
• Chilankhulo chomwe chidagwiritsidwa ntchito m'chikalatacho sichimveka bwino

Kukhala ndi chifuniro chanu chokonzekera ndi uphungu wa loya wa wilo ndi malo zitha kuwonetsetsa kuti chifuniro chanu sichili chovomerezeka komanso chidzakhala chotsutsa kukhoti.

Resources

Malamulo amasintha momwe ma wilo amasaina, umboni

Wills, Estates and Succession Act - [SBC 2009] Mutu 13