Iimpazamo zeeakhawunti zeeakhawunti zeeakhawunti azenziwanga
Nangona kukho iindlela ezininzi ezithemba ukuba i-akhawunti ayilawulwa kakubi, kukho ezintathu iimpazamo eziqhelekileyo abameli abazenzayo ekulawuleni i-akhawunti zabo ze-IOLTA.
"Ukuboleka" Imali evela kwiAkhawunti yeTrust
Ayikho indlela evumelekileyo yokuboleka kwi-akhawunti ye-trust. Ngamanye amaxesha amagqwetha asebenzisa imali ye-akhawunti ye-trust ngaphambi kokuba banelungelo lokwenza njalo, ngelixa kwezinye iimeko basebenzisa imali abangenakufumana ilungelo lokusebenzisa. Naliphi na indlela evula umnyango wegosa ukuba lingene enkingeni enkulu.
Kukho iindlela ezintathu ukuboleka okungalunganga kwi-akhawunti ye-trust kuthiwa:
I-Attorney ithemba i-Akhawunti yeMali ngaphambi kokuba izuzwe
Oku kwenzeka rhoqo xa igqwetha linenkinga yokuhamba kwemali. Kule meko, igqwetha lifumene ukugcinwa (ethemba) elibekwa kwi-akhawunti ye-trust, kwaye igqwetha liya kuba nelungelo lokuhlawula loo mali kuye ngokwakhe njengoko umsebenzi ugqityiwe. Nangona kunjalo, igqwetha aliyi kuba nomsebenzi ogqityiweyo ngaphambi kokuba iindleko ezizayo zihlawulwe - i-payroll, i-ofisi yerenti, iindleko eziqhubele phambili kwimeko yokuhlawula imali, njl njl.
Ngoko igqwetha lihamba phambili kwaye lithatha okungaphezulu kunokholo kunokuba yena unelungelo lokuthabatha kwi-akhawunti ye-trust kwilo xesha kwimeko.
Ummeli Uboleka Imali Evela Kwiimali Zabaxhasi Ngenjongo Yokuyibuyisela
Xa imicimbi yokuhamba kwemali ikhula kwiingxaki zemali ezinzima, kwaye igqwetha linamawaka eedola kwiimali zabaxhasi ehleli kwi-akhawunti ye-trust, abanye banganeliswa kwisilingo sokuboleka imali kwi-akhawunti ye-trust ukuze bahlale behlala.
Igosa lingayigxininisa ngokucinga ukuba ukuba ayikwazi ukuhlawula i-billing ye-ofisi ngoko ayikwazi ukuhlala kwishishini, kwaye ukuba akakwazi ukuhlala ebhizinisini, akakwazi ukunyamekela abaxumi bayo. Ngoko uthabatha imali encinci kwi-akhawunti ye-trust ukumbamba kuze kube yilapho ukuhamba kwemali yakhe kuphucula. Ummeli unokuba nenjongo yokubuyisela imali ngokukhawuleza kunokwenzeka, kodwa le meko yeemeko ihlala ikhefu kwaye iphela ngokugqithiseleyo kummeli-kunye nomxhasi.
UkuTshaba kweAkhawunti yeTrust
Le meko ayinakubizwa ngokuba yibolekayo, kwaye ayibhekiseli kwiikratshi ezenziwa kwiifemu zomthetho. Kwimeko ye-akhawunti yokubamba i-akhawunti yokubamba inkohliso, nokuba ummeli okanye umntu onokufikelela kwi-akhawunti ye-trust ithe yafika kwindawo yokuhaha okanye ukuphelelwa yinto yokuba bazimisele ukuthabatha imali engeyona yabo. Amagqwetha aneengxaki zokusetyenziswa kakubi kweziyobisi okanye ukugqithiswa kwezokugembula zingabikho nengozi kule mpazamo, kodwa ngamanye amaxesha kwenzeka ngenxa yezizathu ezingabonakali zicacileyo. Ukuba zenziwe ngummeli, le mpazamo ye-akhawunti yeyona mpazamo yile nto inokuphelisa umsebenzi wezomthetho. Kodwa nangona oko kwenziwa ngumgcini-mthethweni okanye umgcini-ncwadi, igqwetha liseyona ekhoneni lokubuyisela imali.
Ukuqulunqwa kweeNgxowa-mali zeeNkxaso ngeMali yeMali
Iphutha lesibini eliphambili kwi-akhawunti yommeli yokuphatha i-akhawunti libandakanya ukuqhuba igosa imali kunye nomthengi imali. Oku kubakho ngokungaqondi ukuqonda indlela i-akhawunti yokuthembela ekufuneka isebenze ngayo.
ULaura A. Calloway, umcebisi wolawulo lomsebenzi kwi-Bar Bar State, wathi, "Abameli abaninzi abaqondi into eyenzayo kwaye bengena kwi-akhawunti ye-trust. Abanye baqhuba yonke into, kuquka nemali efunyenweyo, ngokusebenzisa i-akhawunti ye-trust, usebenzisa Abanye babhala "i-retainers" ngaphandle kokuqonda ukuba, ubuncinane kwezinye iinjongo ezifana ne-Alabama, akukho nto enjengokugcina imali engabuyiselwa imali. benze umsebenzi wokuthembela njengoko kufuneka, ingakumbi ukuba bayayidinga ngoku ukugcina izibane. "
Ezinye zeendlela eziqhelekileyo zamagqwetha ezenza imali yazo kunye neemali zabaxumi ziquka:
Omnye Hlola iinjongo ezimbini
Igqwetha lixelela umxhasi ukuba iirhafu zomthetho ziya kuba yi-$ 1,000 kwaye imali yokufakela inkundla iya kuba yi-$ 200, ngoko umthengi ubhala ummeli ngetekethi ye-$ 1,200. Abanye amagqwetha baya kufaka yonke ingxowa kwi-akhawunti yezo shishino kuba ininzi imali iya kummeli nantoni na. Nangona kunjalo, imithetho yemibutho yebhanki idinga ukuba isheke siyangena kwi-akhawunti ye-trust, nokuba ngaba igqwetha linelungelo lokufumana intlawulo yommeli opheleleyo ngokukhawuleza ngenxa yokuba inxalenye yentlawulo yokufakela isheke kufuneka ibanjwe ekuthetheni.
IiNgxowa zomntu zihlala Kwithemba kunye neeKhwama zeKlayenti
Ezinye iinkampani zeburhulument bar zithintela oommeli ukuba babe neyakhe imali kwi-akhawunti ye-trust, ngelixa abanye bevumela abameli ukuba bagcine imali encinci kwi-akhawunti ukuze bahlawule iindleko ezinxulumene nokusebenzisa i-akhawunti (nangona isenzo esicetywayo kukuba zonke iindleko ze-akhawunti zithengiwe akhawunti yezoshishino). Kodwa akukho ndawo igqwetha elivumelekile ukusebenzisa i-akhawunti ye-trust njenge-akhawunti yokusebenza, i-akhawunti yokulondoloza, okanye indawo yokufihla impahla.
Maxa wambi abagwebi bahluleka ukuqonda ukuba abanakho ukuhlawula iindleko ezifana neendleko zabo zee-ofisi ngokuthe ngqo kwi-akhawunti ye-trust, nangona xa iitshekhi zibhalwa ngaphandle kweemali eziye zafunyanwa. Amanye amaxesha abameli bawasebenzisa kakubi i-akhawunti ye-trust njengendlela yokufihla impahla. Ngokomzekelo, uCalloway uthi ubonile abagwebi bebeka imali kwi-akhawunti ye-trust ukuphepha i-IRS yentlawulo yerhafu yerhafu. Kuyinto ecacileyo yokuziphatha ngokwemigaqo.
Ukungabikho Imali efumanekileyo okanye ukubuyisela kwi-Akhawunti yeTrust
UCalloway uthi uye wabona amagqwetha athile abasebenzisa iakhawunti yabo yokuthembela njengengxelo yokulondoloza imvula. Esikhundleni sokususa zonke iimrhumo emva kokuba zifumene, ugqwetha lilibala ukukhipha imali kwi-trust ukunciphisa ingozi yokuyichitha. UCalloway uthi le nto ibini isenzo soshishino olubi kunye nokuphulwa komthetho. Ngoxa i-IOLTA yengxowa-mali ingaxhamla kwi-interest interest, igosa kufuneka lihambise loo mali kwi-akhawunti yokuqhuba i-akhawunti okanye uhlobo oluthile lokuxhasa imali.
Ukuhluleka Ukulandelela Ngokufanelekileyo Imali Yabaxhasi
Indlela yesithathu eyintloko apho abagqwetha bahlawula iakhawunti zabo zokuthemba ngokungaphumeleli ukugcina iingxelo zeenkcukacha zokuthengiswa kweakhawunti yethenda nganye . Kukho iindlela eziliqela abameli abazenza ngayo le mpazamo.
Ukubeka igama leKlayenti kwii-Akhawunti ze-Akhawunti yeTrust
Nangona amaninzi amagqwetha alungile malunga nokugcina iikopi ze-akhawunti yabo yokuthembela, akubona bonke abakhumbula ukuba kufuneka baqaphele igama lomthengi okanye inombolo yefayile kwisheke nganye xa kukhutshwa. Ngelixa kunokuba kulula ukukhumbula ukuba kutheni itheksi ibhaliwe ngenyanga edlulileyo, kungenokuba nzima ukukhumbula ukuba kutheni kubhaliwe unyaka ukususela ngoku.
A magqwetha abacinga ukuba abanakuze babe neengxaki ekuqiqeni into ekhompyutheni yabo yokuthembela kufuneka baqwalasele impembelelo yeemeko ezimbi okanye iintlekele zemvelo. Nangona kungenzeki ukuba kaninzi, ii-ofisi zezomthetho kunye nazo zonke iirekhodi zazo zichithwa. Umlilo unokutshabalalisa iifayile zephepha ngokukhawuleza, kunye nokutshabalalisa i-hard drive drive. Iqhwithi okanye inqabunga inokuhlakaza iirekhodi zokuhlawula iikhilomitha. Ezi zinto zenzeka kubagwebi. Ukuba igqwetha lifuna ukuhlaziya iirekhodi ze-akhawunti yebhanki yokuthembela ngokusebenzisa izitatimende zasebhanki kunye neikopi zetshekhi ezindala eziyalwe ebhankini, umsebenzi awuyi kuba nzima ngaphandle kokuba ezo zihlolwe zibonisa ukuba ngubani osetyenziswayo kwimali yokuthengiselana.
Ukungagcini iLedger ngalinye kumthengi ngamnye
Ngamanye amaxesha amagqwetha acinga ukuba angakwazi ukugcina umgca we-akhawunti yomthengi kwi-intloko. Ngexesha elithile, abanako. Kwaye nokuba ngaba bayakwazi, kwenzeka ntoni kulao akhawunti yeakhasimende xa kwenzeka into ethile kummeli?
UCalloway uchaze imeko awayejamelana nayo apho igqwetha ligcinwa ngeakhawunti ezimbini zokuthembela. Uya kusebenzisa i-akhawunti eyodwa yokuthembela inyanga enye, kwaye utshintshele kwenye i-akhawunti ye-trust ngenyanga ezayo. Inkolelo yakhe yayikukuba ngokuvumela ukuba nganye i-akhawunti ibe ne-balance balance ngesikhathi inyanga isetyenzisiweyo, akayi ku funeka agcine umntu othembekileyo kwi-akhawunti. Wa yephosakele. Imithetho yokuziphatha ifuna ukugcina isalathisi kumthengi ngamnye ukwenzela ukuba iifowuni ezithile zabathengi zichongwe.
Ukuthotyelwa kweemfuneko zombutho weebharari, amagqwetha kufuneka agcine iirekhodi ezibonisa ukuba imali ngayinye iklayenti inokuthenjwa kuyo nayiphi na ixesha. Iifosti kunye nokuhlawulelwa kufuneka zilandelwe ngokucacileyo ngandlela-thile eyenza kube lula ukucacisa ibhalansi ye-akhawunti yomthengi. Ngaphandle koko, kuya kuba lula kumntu omnye kumthengi ukuba achithe kwimeko yenye iklayenti.
Ukulinganisela Umntu ngamnye Umlinganiselo kwi-Akhawunti epheleleyo
Iingqwetha akufanele ziqinisekise nje ukuba i-akhawunti yabo yokuthembela iphela iphela, kwaye akufanele iqinisekise kuphela ukuba i-akhawunti nganye yomthengi ilinganise. Thelekisa le mibini kunye kunye nokubalinganisa. Ukuthelekisa i-balance balance generally will reveal a error account account made on a personal account, apho ikhonkco okanye idiphozithi yayinganakwa. Ngamanye amaxesha isinyathelo esilula siza kubamba iimpazamo ezinokubangela ukukhangela ikhonkco ye-akhawunti yokuthembela.
Ukufumana Uncedo
Abanye abagwebi baqonda ukuba i-akhawunti yabo yokuthembela iyabhalwa, kodwa abayazi indlela yokulungisa ingxaki. Esinye isisombululo kukuqhagamshelana nomcebisi wolawulo lomsebenzi. Unxulumano oluninzi lwabasebenzi baseburhulumenteni ngoku lunikezela ngeengcebiso zomgaqo-nkqubo we-free law kumalungu abo kunye nabasebenzi bamabhunga abo, kwaye uninzi lwabacebisi bamagosa olawulo lwangasese balungiselela neenkonzo zabo ngemirhumo.
Amanye amagosa angenako ukuxubusha ngengxelo ye-akhawunti yabo ye-trust kunye naliphi na ugqwetha, ngokukodwa ngecwetha elisebenzela ubudlelwane bombuso, ngenxa yemfuneko yokunika ingxelo yokunyanzeliswa kokuziphatha. Nangona kunjalo, kwiindawo ezininzi, imigaqo yokuziphatha kobugcisa ngoku ngokukodwa ingabandakanyi umcebisi wabo wolawulo lwezenzo zomthetho ekunikeleni iingxaki ezinjalo kwiibhodi zabo zokuziphatha. I-Nerino J. Petro, uMcebisi woLawulo loQeqesho lweNkqubo yoNcedo lweeNkqubo zoLawulo lwe-Bar Bar State of Wisconsin, uyaphawula ukuba ngelixa imithetho ihluka ukusuka kummandla ukuya kwilizwe, abanye bathi iWisconsin ifake imigaqo yokunika imfihlo kubameli abafuna uncedo kwi-bar bar inkqubo yolawulo lwenkqubo yolawulo lwe-ofisi (LOMAP).
Ukulawula ngokufanelekileyo i-akhawunti ye-trust kungaba yintlekele, kodwa ukulahlekelwa kwelayisenisi yomthetho kwi-record-keeping-keeping record will be even worse. Amagqwetha anenkathazo yokulawula i-akhawunti yabo yokuthembela kufuneka aphendule ngokukhawuleza le ngxaki ngokufumana uncedo kwi-akhawunti ye-akhawunti okanye kumcebisi wolawulo lomsebenzi.