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Bank Offshore ndi Chitetezo cha Ndalama

Chapter 6


malo otetezedwa kumtunda

Ndibwino kuganizira dziko lapansi ngati malo okoma mtima pomwe simudzakumana ndi zovuta zamalamulo zilizonse. Komabe, ngati muphunzira ziwerengerozi, mupeze kuti pali mwayi wina woti nthawi ina mutha kukumana ndi mlandu m'manja. Zoposa chimodzi. Malinga ndi loya wina dzina lake Jay Mitten, munthu wamba ku US amakumana ndi milandu isanu ndi iwiri nthawi yonse ya moyo wake. Ndi iyo, pamabwera loya wosasamala yemwe akuwonjezera mafuta ndikuwonjezera mavuto anu.

Izi ndizotheka kwambiri kwa anthu wamba omwe amakhala ndi mabizinesi awo. Mwakutero, milandu yakunja yosayembekezereka, mwina kuyesa kufunafuna chuma chanu, ikhoza kuperekedwa pakhomo panu nthawi iliyonse. Pali chinthu chimodzi chotsimikizika kwa anthu ambiri. Zilibe kanthu kuti milandu ikubwera kudzera mu bizinesi kapena zinthu zanu. Itha kukhala chisudzulo, kapena ngakhale nkhani yamsonkho. Mukamafika kukhothi, mukufuna kuti katundu wanu, kapena ena a iwo akhale otetezedwa. Mwakutero, ambiri amatembenukira ku mabanki akumtsinje kuphatikiza chida chalamulo choyenera kuteteza chuma chawo kuzinthu zovutazi m'moyo.

Kutetezedwa Kampani

Nchifukwa chiyani mabungwe a Offshore Banking?

Nanga, ndichifukwa chiyani anthu amatsegula akaunti zakunja kwa banki? United States imakhala ndi 4.2% yokha padziko lapansi. Komabe, ili ndi 80% ya owerenga dziko lapansi ndi 96% yamilandu yapadziko lonse lapansi. Chifukwa chake, chitetezo cha chuma ndi dzina la masewerawa kwa anthu aku America chifukwa awa ndiwowopsa pa ndalama zawo. Anthu ambiri osamukira kudziko lino amayang'ana kwambiri pa kuteteza katundu. Komanso, akuwona kuti ndikofunikira kuteteza zomwe zingawabweretsere mavuto mtsogolo — owongoletsa, othetsa ukwati, ndi kusudzulana. Milandu yambiri yovomerezeka imachokera mkati mwa US.

Amakonda kugwiritsa ntchito akaunti zakunyanja kuti achepetse ndalama za msonkho. Imeneyi ndi ndalama yomwe amapeza kuchokera kumayiko ena. US imalipira anthu ake ndalama zapadziko lonse lapansi. Komabe, makampani monga Apple ndi Google amateteza ndalama kumayiko ena ndipo amasangalala kwambiri ndi ndalama za misonkho. Mosiyana ndi US, mayiko ena samakhoma msonkho nzika zawo pacholowa padziko lonse lapansi. Aliyense sangatenge mwayi pa izi, komabe, pezani upangiri wokhomeredwa wa misonkho. Ndiponso, musangokhala ndi mapikisheni ndi njira ya misonkho “zizikhala mwanjira iyi” m'malingaliro mwanu. Pezani chilolezo chokhometsa misonkho.

Kwa anthu omwe amatenga nawo gawo pakuteteza katundu, nthawi zambiri amaika zinthuzi m'malo amodzi mwa zilumba zingapo zazing'ono, zodziyimira pawokha. Madera awa amapeza msika wa anthu achidwi wokonzekera ntchito zakunja kwa banki. Ambiri mwa mayiko awa ali ndi malamulo omwe samapereka ndalama pazigamulo. Komanso zigawo zina zimatha kupereka chinsinsi kwa iwo omwe akuyika ndalama mu akaunti izi. Mwachilengedwe, lamuloli limalimbikitsa munthu kuti azitsatira malamulo adziko lawo.

malo otetezedwa kumtunda

Chitetezo cha Mtengo wa ku Australia

Kuteteza chuma nthawi zina kumachitika m'njira zingapo. Ngakhale pali zosankha zambiri za m'mphepete mwanyanja, magalimoto agombe lanyanja nthawi zambiri amakhala othandiza kwambiri kuti ateteze katundu. Makamaka, zomangira zakunyanja zimapereka chitetezo champhamvu kwambiri. Ndipo kumbukirani, ngati mukumva kuti muli ndi mlandu uliwonse panjira iyi, musatero. Kupatula apo, ndi chuma chanu chomwe tikukambirana, zomwe mudayesetsa kuti mupeze.

Dziwani kuti pachimake, chitetezo cha katundu sichinthu chofanizira ndi chiwopsezo cha ziwopsezo. Zili ngati kugula inshuwaransi; ndipo nthawi zambiri zimakhala zoteteza komanso zotsika mtengo. Ngati mukuchita bizinesi lero, ndiye kuti mumvetsetsa momwe zimavutira kuti mupeze phindu. Chifukwa chake, kukhazikitsa linga lomwe limateteza zipatso za ntchito yanu ndikukupulumutsirani ndalama ndi njira yabwino.

Ngati mukugwira ntchito yopitilira imodzi simukufuna zonena zochokera ku bizinesi imodzi kuti zikuwonongere enawo. Mwakutero, mungafune kuganizira zokhudzana ndi bizinesi iliyonse payokha. Njirayi imayika bizinesi iliyonse kudzenje lakelo. Mwanjira imeneyi, mlandu wotsutsana ndi bizinesi imodzi sizingafanane ndi ufumu wanu wonse. Kuphatikiza apo, mumakulitsa mphamvu ya njira yanu yotetezera chuma mukamachita kudziko lina. Ndiye, ndi ziti zomwe mungachite kuti muteteze chuma cha nyanja?

chitetezo cha chuma

Nevis ndi Chitetezo cha Ndalama

Nevis anali amodzi mwa malo oyamba kunyanja masiku ano kupereka chitetezo cha chuma ndi malamulo achinsinsi. Ndi njira imodzi yoyesera ndikuwonongera kuopsa kogulitsa mabizinesi angapo. Makampani ku Nevis amathanso kuletsa kuzunza komwe kungachitike ndi maloya osavomerezeka. Pogwiritsa ntchito ntchito yopanga makampani, monga iyi, mutha kuyambitsa bizinesi yakunyanja. Kuphatikiza ndikuphatikiza ndi gombe lanyanja ndi / kapena maziko am'mbali ochokera kumayiko osiyanasiyana padziko lonse lapansi kungathandize kuthana ndi ziletso.

Akatswiri nthawi zambiri amalimbikitsa mabizinesi akunyumba ya Nevis chifukwa malamulo awo amakonda zachinsinsi komanso kutetezedwa kwa zinthu. Nevis LLC, monga momwe amalembawa, imapereka malamulo ogwira ntchito otetezera chuma a kampani iliyonse yakunja.

Chifukwa chiyani Nevis?

Nazi zifukwa zina Nevis LLC (makamaka ikaphatikizidwa ndi Nevis trust) ndi chida chabwino kwambiri chotetezera chuma:

  • Wina ayenera kusunga chomangira cha $ 100,000 asanasungire mlandu kuti aweruze mlandu wotsutsana ndi chidwi cha umembala wake ku Nevis LLC.
  • Kusintha kwachinyengo kuchuluka kwa malire ndi zaka ziwiri zokha. Izi zikutanthauza kuti mukayika chuma mu Nevis LLC, zaka ziwiri pambuyo pake, Nevis makhothi samvera mlanduwu.
  • Pamwamba pa izi, wobwereketsa akuyenera kutsimikizira popanda kukayikira kotsimikizika, mwini wa Nevis LLC adapereka ndalama kwa LLC kuti asunge zinthu zomwezo kwa wokongoza.
  • Kuteteza chuma chomwe chimalepheretsa wobwereketsa kuti asalandire kampani kapena chuma chomwe chimakhala nacho chimaperekedwa kwa mamembala amodzi kuwonjezera pa ma membala ambiri mamembala.
  • Ngakhale wina atalandira chindapusa, amakhala atatha zaka zitatu ndipo wokongoza sangathe kuchikonzanso.

Ngakhale wamphamvu kwambiri kuposa Nevis LLC ndiye chitetezo cha chuma cha Nevis. Kunena mwachidule, Nevis akukhulupirira ndi imodzi mwazida zoteteza chuma padziko lapansi. Khothi ku America likati "bweza ndalamayo" wogulitsa wakunyanja akuti, "pepani, mulibe ulamuliro pano." Tikakhazikitsa chidaliro cha Nevis timayika Nevis LLC mkati. Mwanjira imeneyi, kasitomala amayang'anira manejara wa LLC nthawi zikakhala bwino. Kenako akakomedwa ndi boma, woyendetsa gulu lathu la zamalamulo ku Nevis) amalowerera ndikuyambitsa linga lazachitetezo.

Belize Trust Bank

Belize ndi Chitetezo cha Ndalama

Belize imapereka makampani opanga ogulitsa kumayiko ena komanso mabanki akunja. Pambuyo pa Nevis, ndi imodzi mwasankho zabwino zachitetezo chazinthu komanso chinsinsi. A Dennis Lormel, mkulu wakale wa FBI's Crimes Section, a Dize Lormel, akuti: "Belize ndi imodzi mwamayiko omwe ndikanapita kukabisa ndalama zanga ndikakhala ndi moyo." "Zachidziwikire ndikuti ndikatetezedwa kumeneko, ndipo boma la (US) silingandichotsere kapena kulowa muakaunti yanga kubanki." Mwachilengedwe, ndikofunikira kuti mugwiritse ntchito banki yakunyanja Chimodzi mwazinthu zambiri zovomerezeka, zovomerezeka.

Pambuyo pa Nevis, iwe Belize LDC pamodzi ndi Belize trust ndi zida ziwiri zamphamvu kwambiri zotetezera chuma padziko lonse lapansi. Ichi ndichifukwa chake.

Chifukwa chiyani Belize?

  • Zopereka zandalama (ndalama zomwe zakhazikitsidwa kuti zikhazikitse LDC) sizichotsedwa pamangongole yachinyengo yochokera kwa wokongoza ngongole.
  • Chiwerengero cha zoperewera pakuyendetsa mwachinyengo ku Belize LDC ndi yochepa kwambiri. Ndi chaka chimodzi chokhacho kukhazikitsidwa ndikuthandizidwa kapena zaka ziwiri zokha kuchokera nthawi yomwe chuma chidasungidwamo.

Kudalirika kwa Belize kumakhala ndi mapindu ofanana ndipo ndi kwamphamvu kwambiri kuposa LDC. Nthawi zambiri timakhazikitsa chikhulupiliro cha Belie ndi Belize LDC mkati. Monga Nevis LLC, kasitomala ndi woyang'anira wa Belize LDC mpaka "zoipa" zitachitike. Ndipo wobwereketsa akaukira, wokhulupirira wa Belize amalowerera ndikuchinjiriza chumacho. Makhothi anu wamba alibe ulamuliro pa oyang'anira ma Belize. Chifukwa chake, sangathe kukakamiza trastii kutsatira.

Chiwerengero cha malire pazakusinthidwa mwachinyengo kwa Belize trust ndizochepa kwambiri. Pakutha kwa ukwati kapena cholowa amati gawo la malire ndi ziro. Ndiye kuti, munthu akangosamutsira chuma chake m'chikhulupiriro, chidaliro chimateteza.

Cook Islands Shield

Kusunga Zinthu Zanu

Kuti inshuwaransi yanu igwiritsike ntchito pamilandu yoyimira milandu yosavomerezeka, muyenera kuwunika zoopsa zanu komanso kufunika ndi mtundu wa zinthu zanu. Kukonzekera kwachuma kumayiko ena kumapereka chisankho chambiri chomwe sichikupezeka palokha. Poyamba, musanakhazikitse dongosolo lililonse lakukonzekeretsa kuteteza katundu wanu, izi ndi zomwe muyenera kuchita. Choyamba, muyenera kuonetsetsa kuti muli ndi maziko olimba, achitetezo olimba.

Kwenikweni, muyenera kuyika chuma muzida zovomerezeka mwalamulo. Kuphatikiza apo, muyenera kusankha madera oyenerera kuti mudzapeze chitetezo chomwe mukufuna. Mutha kusiyanitsa zomwe muli nazo pazida zovomerezeka izi m'mabanki omwe ali m'malamulo omwe sazindikira zigamulo zakunja. Ndizowongoka bwino komanso mwachangu kukhazikitsa. Kuphatikiza apo, pochita izi mutha kuteteza katundu wanu komanso chizindikiritso mukamachita bizinesi yapadziko lonse. Tiuzeni kuti izi ndi zokhumba zanu ndipo tikuwonetsani momwe mungachitire.

The Cook Islands ndikukhulupirira or Nevis akukhulupirira kuphatikiza ndi offshore LLC mkati mwa trust ndi kuphatikiza kwabwino. Monga tafotokozera pamwambapa, makhothi ku US akakufunsani kuti mubweze ndalamazo, kampani yathu yakunyumba yakunja ikukana kutsatira.

makampani amithunzi

Makampani Othumbitsira Makampani Opetezera Ndalama

Chochititsa chidwi n'chakuti The Tribune-Review inanena kuti pafupifupi 50 peresenti ya malonda onse a padziko lapansi amapita kumalo operekera msonkho. Malo amodzi omwe amapezeka ku mabanki akumtunda ndikutenga akaunti ya banki pambali pa dzina la kampani. Momwemo, zimatetezera ndalama kwa pafupifupi aliyense yemwe mukufuna kuti asunge ndalama. Izi zikhoza kuphatikizapo ngongole, oweruza, okwatirana kale, kapena ena a ndalama.

"Kukhala ndi kampani yosadziwika ndizothandiza pantchito zosiyanasiyana…, ndipo kukhala ndi kampani yosadziwika sikophweka," atero a Jason Sharman, yemwenso ndi wophunzira ku banki yaku Griffith ku Australia. Kupanga kampani kumatha kukhala kwachangu komanso kosavuta. M'malo mwake, izi ndi zathu zamtengo wapatali ndipo nthawi yakntchito, makampani athu amapanga makampani ogulitsa kunja tsiku lililonse. Kupeza akaunti yakubanki yakunyanja yaku kampani yakunyanja kumatha kutenga nthawi yambiri ndikuchita khama. Chifukwa chake pezani thandizo kuchokera kwa munthu yemwe ali ndi luso pamsika. Apanso, ichi ndichinthu chomwe timachita tsiku ndi tsiku - kuthandiza makasitomala kutsegula akaunti yakunyanja. Mukamachita zomwezo, mudzapeza kuti ndizothandiza kwambiri pankhani yodziteteza ku zovuta zachuma.

Maakaunti ena kubanki yakunyanja amafuna ndalama zokwana madola masauzande angapo kuti atulutse ndalama zawo. Ena, makamaka akaunti yakubanki ya ku Switzerland, amafunikira ndalama zoyenera kuti apatse ndalama. Banki yaku Swiss nthawi zambiri pamafunika kuchokera ku $ 250,000 mpaka $ 1 miliyoni kuti mutsegule akaunti.

offshore trust

Mabungwe a ku Offshore a Chitetezo cha Mtengo

Kukonzekera kutetezedwa kwa zinthu zam'dziko mwadzidzidzi kwakhala nkhani ya mikangano zaka zingapo zapitazi. Dongosolo labwino kwambiri loteteza chuma ndikupanga chidaliro chosasinthika kukhala ndi mphamvu zapadera zoikika. Izi ndichifukwa choti lamuloli siliganizira katundu wa trust ngati katundu wa Settlor. Kumbukirani kuti mukamagula kukhulupirika, sikuti mukungogula trust. Kuphatikiza apo, mukugula zomwe munthu amene akhulupirira zimatha kuchita.

Pofuna kukutetezani, katswiri amayenera kulembera moyenera malinga ndi malamulo komanso zochitika zenizeni za malamulo. Chifukwa chake, izi sizikuchita nokha. Pezani thandizo. Kupatula apo, iyi ndi ndalama yanu. Pali mitundu yambiri ya zikhulupiriro. Mtundu uliwonse umakhala ndi zolinga kapena zolinga zapadera.

Kukhala ndi chidaliro chakunyanja ndi njira yabwino kwambiri yotetezera chuma chanu. M'malo mwake, tapeza kudalira kwanyanja chida champhamvu kwambiri chomwe chilipo.

Anthu amagwiritsa ntchito zakudulira zakunyanja mopitilira kukaniza ngongole wamba. Mwachitsanzo, amachita izi kwa wina yemwe akufuna kuti awononge chuma chawo ngati chindalama cholipirira antchito. Titha kuzigwiritsanso ntchito kuteteza katundu wanu kuchokera kwa maloya osavomerezeka omwe akumanga ngozi yagalimoto, moto womwe umawononga kwambiri kuposa inshuwaransi ya inshuwaransi yanu, ndi zina zambiri.

Monga njira zina zotetezera chuma, ndi bwino kugwiritsa ntchito chidalirocho mlandu usanachitike. Mwanjira imeneyi, imatha kukutetezani bwino. Inde, mutha kugwiritsa ntchito ngati bwalo lamilandu yotsutsa. Koma kukonzekereratu ndikabwino. Chidaliro chakunyanja, chifukwa chaichi, chimalembedwa ngati chikole chotetezera chuma. Ndiye kuti, cholinga chotsiriza ndikusunga chuma chanu.

Zoyenera Kuchita

Zimene Simuyenera Kuchita

Ngakhale zikhulupiliro zakunyanja zitha kukupatsani mwayi wopanga zoteteza, muyenera kuyendera mwanzeru izi. Muyenera kuwonetsetsa kuti omwe akukuthandizirani akudziwa zambiri ndipo akukonzekera bwino kudalirika. Komanso, bungwe lomwe lili ndi ubale wotalikilirana ndi trasti liyenera kutsogolera chilengedwe chake.

Kutumiza chuma kuchokera ku USA kupita kuchikhulupiriro chadziko lonse popewa kukongoletsa yemwe wapereka ngongole kungakhale a chinyengo chonyamulira. Komabe, izi ndi nkhani wamba yomwe kulibe zotsutsana. Mawu abwinoko pamawu awa ndi "chochitika chowoneka." M'malo mwake, awa ndi mawu enieni omwe Unform Law Commission tsopano imagwiritsa ntchito. Izi ndichifukwa mawu zachinyengo nthawi zambiri zimatsogolera osazindikira kuti ndizovuta kwambiri kuposa momwe zilili.

msonkho wama banki

Malamulo a Tax Tax Banking

Kwenikweni, pali nsomba imodzi yomwe ili ndi mitundu iyi yaakagwiritsidwe ntchito ka ndalama zakunyanja. Ndiye kuti onetsetsani kuti mwatsata malamulo a "msonkho" ku United States. Malamulowa akuphatikiza kuonetsetsa kuti uchita zinthu monga:

  1. Kufotokozera chinthu chilichonse chomwe chimaperekedwa kudziko lina ku IRS.
  2. Zomwe zimagawidwa kuchokera kumayiko akunja omwe amalandiridwa ndi America zitha kulipitsidwa kwa msonkho kwa iye.
  3. Zopanda zonse zomwe zimagawidwa zitha kuperekedwa misonkho ngati ndalama.
  4. Akaunti ya chuma chilichonse chomwe mwapeza munyumba yakunyanja yomwe mwina idapangidwa zaka zam'mbuyomu. Kupanda kutero, kugawa kungapangitse Amereka kulipira msonkho pazaka zake. Izi zili ngati ndalama zomwe amapeza zaka zapitazo. Ngati ndalama sizinaperekedwe kale, mutha kupemphedwa kulipira zonse ziwiri komanso chiwongola dzanja. Mfundo yofunika kuikumbukira ndi yoti ndalama zomwe zimapezeka kumayiko ena zimapanda msonkho. Simuyenera kulipira misonkho yambiri ngati muli ndi ndalama kumayiko ena kapena kumayiko ena.
  5. IRS ikufunsani (kapena CPA yanu) kuti mulembe mafomu osavuta msonkho. Fomuyi ikufotokozera phindu la chuma mkati mwa chidaliro. Kuphatikiza apo, mudzatchula omwe adzapindule ndi kudalirika. Mukalephera kupereka lipoti ili mutha kulipira ndalama, pakati pazinthu zina, chindapusa cha $ 10,000. Ngati mulephera kuyika lipotilo palokha, zitha kukhala zowonongekera. Chifukwa chake, onetsetsani kuti akaunti yanu yakumasulira ikwaniritsa mafayilo osavuta panthawi yake.

Translation

“Kumasulira”

Mwanjira ina, IRS sasamala ngati muli ndi akaunti yakunja. Kukhala ndi akaunti yakunyanja sikukweza "mbendera zofiira," monga ena amakhulupirira molakwika. Amangosamala kuti mulenge zomwe mwapeza. Kaya mumapeza phindu kumtunda kapena kumayiko ena, lembani zomwe mumapeza. Chifukwa chake, sikuli kwawoko kapena kotsetsereka komwe kumakhudzidwa ndi IRS. Ikunena zomwe mumapeza zomwe zimafunikira, ngakhale mutapeza kuti zomwe amapeza.

Malingaliro a banki akumtunda

Malangizo a msonkho ku Offshore ndi Trust

Pali maupangiri ena amisonkho ofunika omwe muyenera kuwadziwa ngati omwe amakupatsani ntchito, omwe amawatumizira, kapena amene amapha dziko lina. Zomwe zimasunthira chuma chamayiko akunja komanso opindula ndi US omwe amalandila zakunja ayenera kudziwa izi. Momwemonso, ngati muli ndi katundu wakunja monga kampani yakunja, pali zinthu zina zomwe muyenera kudziwa. Mwachindunji, chitanipo kanthu ngati mukugwera m'magulu awa:

  1. Ndiwe olandila ndi 10% kapena kuposerapo kampani yakunyanja. Kuphatikiza apo, theka la masheya amabungwewo amakhala ndi eni eni aku America kapena ocheperako.
  2. Anthu aku America kapena ocheperako omwe akukhudzidwa ndi zomwe kampani yanu yakugulitsa ikugwira. Kuphatikiza apo, 60% ndipo pamwamba pazopeza kampaniyo ndizoyambira ndalama.
  3. Muli ndi olowa nawo gawo la kampani yamtunda kukhala ndi 50% kapena zochuluka ngati katundu wogulitsa. Kuphatikiza apo, mukupanga 75% ndipo pamwamba pa ndalama zonse zomwe muli nazo.

Kodi zilizonsezi pamwambazi ndi zoona? Ngati ndi choncho, muyenera kuonetsetsa kuti mukuwuza ndalama zomwe mwabweza m'misonkho mwanu. Chifukwa chake, onetsetsani kuti mukumane ndi CPA yemwe akudziwa bwino mabungwe akunja. Ambiri mwa ma CPA omwe amadziwika bwino m'bwaloli ndi ochokera kumizinda ikuluikulu yomwe ili ndi anthu ambiri olemera. CPA wanu wochezeka kuchokera ku Bugtussle, Kentucky mwina atha kukhala pamutu pake. Mutha kugwiritsabe ntchito galu wanu wakomweko kapena gal kwa zojambula zanu zoyambira. Koma za zojambula zakunyanja, pezani munthu amene akudziwa gawo.

Kutsiliza

Kutsiliza

Mwachidziwikire, muyenera kukhazikitsa chidaliro chakutetezedwa kwa katundu ndikutseguka ndi maso anu otseguka. Imapereka njira yoyika chuma chanu kuposa momwe angongole anu angakhalire. Chifukwa chake, mwa kulinganiza mwanzeru, ndikuzindikira zazoyipa za msonkho, mutha kuchita zinthu molondola. Komanso mutha kubisa katundu wanu kuchokera kwa maloya osavomerezeka. Ingotsimikizirani, pali njira zabwino komanso zamphamvu zodzitetezera ku ngozi zalamulo. Anthu ena ambiri amachita tsiku lililonse.

Dr. Kristy Nelson


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Kufikira chaputala 7>

kuti ayambe

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