Unakho ukuhlawula (ukuhlolwa okungafunwayo) awukwazi ukuthumela kumthengisi, ukuhlawulwa ngaphezu kweentlawulo kumthengi, okanye umrhumo ongahlawulwanga ngumqeshwa, okanye omnye umhlaba ongowomntu kodwa ukuba ibhizinisi lakho linalo kwaye awaziyo ukufumana le propati kumntu onayo.
Kubalulekile ukuba uqaphele ukuba imithetho ephathelele kwipropati engalawulwayo (kuquka ukuhlawulwa kweentlawulo) ilawulwa yilizwe ngalinye. Imimiselo yilawo karhulumente apho umvuzo, kungekhona ilizwe apho ibhizinisi lakho likhona.
Ukuba ishishini lakho lisesimweni apho ungakwazi ukufumana umnini wepropati engenakunikwa, kukho izinto ezimbini omele ukwenze:
1. Yenza yonke imizamo efanelekileyo yokufumana ummkeli we ntlawulo ukuze ubenike imali.
2. Ukuba awufumani ummkeli ngexesha elifanelekileyo, kufuneka uchaze ukungabi nkokhelo kwimeko yakho kwaye uhlawule imali kwilizwe, ngoko kuyafumaneka kummkeli ngexesha elizayo.
Masithi ukhokhe umqeshwa oshiye inkampani yakho kwaye engazange ahlawule imali yokuhlawula. Unayo imali kwi- akhawunti yakho ye- payroll account , kodwa khumbula ukuba akuyiyo impahla yakho. Ipropati engabonwayo ithathwa njengexanduva leenjongo zokuphendula; oko kukuthi, yipropati oyibambe kodwa leyo ayiyonto yenkampani yakho.
Ibhizinisi lakho linembopheleleko emibini kwipropati engalawulwayo: (1) ukubika nokuhlawula ipahla ezingenanto kwilizwe elungileyo, kwaye (2) ukuqinisekisa ukuba inkampani ibonisa ngokufanelekileyo umthwalo kwi- balance sheet.
Ipropati engaziwayo kunye neNkampani yakho yokuThengiswa kweeNcwadi
Ngenjongo yokugcinwa kwencwadi, xa ufikelela kwindawo ekufuneka uxelele isheke esingathandwanga kwimeko yakho, ungase ufune ukucinga ngokukhangela isheke kunye nokubeka isixa-mali kwiakhawunti ye-escrow. Oku kuya kunceda ukuqinisekisa ukuba imali ayichithwanga ngengozi.
Kufuneka ube sele uhlawule irhafu yengqesho kule mali.
Gcina kakuhle zonke iirekhodi malunga nale ntlawulo okanye umqeshwa kwaye qiniseka ukuba uqhubeka uzama ukuqhagamshelana nomntu rhoqo. U-Justin Pritchard, uNgcaphephe weBhanki kwi-Balance, unetemplate yetshekhi evelele ongayifuna ukuyisebenzisa ukuyisebenzisa.
Ukubika nokuhlawula kuRhulumente
Umgaqo we-escheat (obizwa ngokuthi "es-cheat" njengokuba ubonakala) ulawula apha. U-Escheat uthetha "ukuzinikela," kwaye kusekelwe kwimfundiso efana nomthetho efuna ukuba umhlaba ongenamalungelo abuyiselwe (unikezelwe) kurhulumente, ungagcinwa ngumntu onayo. Ingcamango kukuba ipropati ayikho eyakho, kwaye ukuba urhulumente unemithombo eninzi yokufumana umntu okanye inkampani enobunini.
Ukuba akukho mnikazi ufumaneke, urhulumente ugcina isakhiwo. Iintlobo zepropati ezinokusetyenziswa zihlola (kubandakanywa neentlawulo), iimali zokuxhaswa, iintlawulo zeentlawulo zabathengi, ii-akhawunti ezihlawulwayo okanye abakwazi ukuhlawula abathengisi, ukuhlolwa kwee-payroll kunye nokuhlola iikhomishini.
Imithetho kaRhulumente kwiPropati engavumelekanga
Yonke into ineemithetho escheat ichaza ixesha kunye neenkqubo. Imithetho kaRhulumente iquka ngokubanzi amanyathelo:
- Urhulumente uchaza ixesha lokungaqhagamshelani nalo propati.
- Emva koko kukho ixesha lokuzama ukufumana abanikazi, ukuthumela iincwadi ngokunyanzela kwidilesi yokugqibela. Kuya kuba kuhle ukuthumela le ileta ngeposi eqinisekisiweyo okanye "ukubuyiselwa kwiresi eceliwe," ngoko unayo irekhodi lokuzama ukuqhagamshelana nomntu okanye inkampani.
- Emva kolu xeshanye kunyaka, kufuneka uhambise ingxelo kwingingqi kunye nokuhlawulwa kweemali ngenxa yabanikazi ongenakukwazi ukunxibelelana nabo.
Ukuhlawula okungaziwa
Ukuhlawula okungazalwanga kwakhona kuyaxhomekeke kwimithetho escheat njengepropati engaziwayo. Imithetho yombuso apho umsebenzi wokugqibela usebenza khona. Ukuba unemali yokuhlawula umqeshwa okanye umqeshwa ongakabangalelwa ixesha elide, kufuneka ulandele ixesha elifanayo lokubhala ingxelo yelizwe njengolunye uhlobo lwepropati.Jonga eli nqaku malunga nengxoxo engaphezulu malunga nendlela yokujongana nokuhlawula okungafunekiyo.
Umthetho weeNkcazo zeSizwe
Unokukhangela igama lakho likarhulumente kunye negama elithi "escheat." Ngokomzekelo, khangela "i-Iowa escheat laws." Unokwazi ukubheka kwiwebsite yunondyebo karhulumente, isebe yengeniso , okanye irhente yokurhafisa ukufumana ulwazi. Khumbula, ilizwe ngalinye lifuna iimfuno ezahlukeneyo. Le webhsayithi ngummeli uquka ulwazi oluthe xaxa malunga nepropati engabonakaliyo, kubandakanywa izixhumanisi zokuqhelanisa imithetho kuwo onke amazwe.
UkuBala imali kwiPropati engabhalwanga
I-akhawunti ye-Akhawunti yezinto ezingabhalwanga zihluka ngokuxhomekeka kwimeko yokuba ipropati iya kuthiwa. Ngokutsho kweNcwadi ye-Akhawunti, kwiimeko ezininzi kukulungele ukuqaphela ukulahlekelwa, kwi-account perspective, nangaphambi kokuba ujikelele kwilizwe. Thetha nomcebisi wakho werhafu ngaphambi kokuphela konyaka ukuxubusha uluhlu lwakho lwepropati engabonakaliyo.
Ezinye iingcebiso zokujongana nepropati engaziwayo
- Fumana imithetho yelizwe lakho , okanye kuwo onke amazwe apho unabasebenzi abasebenza khona. Nika ingqwalasela ngokukodwa kwithuba emva koko kufuneka ubike ipropati engafumanekanga kwilizwe.
- Misela iinkqubo kunye neenkqubo zokubamba ulwazi kwipropati engafumanekanga kunye nexesha lokuhlaziywa kwoluhlu nokuthumela izaziso unyaka ngamnye.
- Emva koko, setha ixesha ngamnye ngonyaka ukunika ingxelo kunye nokuhlawula ipropati engafumanekanga.
ZoVavanyo
Ekugqibeleni, khumbula ukuba ipropati engayitholiyo ayiyipropati yenkampani yakho. Amazwe anokukwazi ukuphicothwa kwipropati engabonakaliyo, kwaye ahlawule iimali kunye nezohlwayo zokungahambisani nemithetho kaRhulumente.