留遗产还是灾难？

很多人都认为，即使现在逃了税，要是死了，就一了百了，无人知晓。
我常常也劝我的顾客，无论如何，不管会不会被抽税，一定+务必+记得要报税！

以下是我在南洋商报里面一篇报导摘下来的一些重点。
请花点时间，关心自己的财务状况。

生前的资产、生前的债务，离世以后，家属不仅要帮忙还债，还要处理死后可能产生的税务问题。

遗嘱与信托规划讲座

敬请您出席
遗嘱与信托规划讲座

主讲人: Ms Tan
16/11 星期六
下午 2.30pm-4.30pm

地点: ROCKWILLS OFFICE: 28, JLN KEMPAS 2/2, KEMPAS UTAMA, JB.
报名费：RM10.00/人
请联络: Ms. Tan 016-6825195

如缺乏资产规划:
1. 80% 的资产会没有提名受益人
2. 或会导致我们的资产缩减20-70%
3. 或会导致家属争执，分裂
4. 拖延将造成费用增高

Facebook event link: 遗嘱与信托规划讲座

CONTACT ME NOW: 016-6825195

立遗嘱 = 不能说的秘密？？？

这篇报道里面指出：
37%受访者误以为遗嘱一旦立下，就不能再更改
52%受访者认为，名下资产不多，所以没有立遗嘱的必要
77%受访者表示不清楚，遗嘱内的资产其实不包括公积金存款和保险

迷思解惑 ~ 遗嘱是你随时都能更改的

故事 1：

KWSP“帛金”到底是多少？

网络、social media流传一则信息如下

这个消息传了很久、很多平台，很多人都紧紧张张、慌慌张张，深怕自己不小心没告诉家人去提领这笔“帛金”。

啊我这个好奇宝宝，肯定不会随便乱信，上网查了查，这个纯属

遗嘱立得早，越清楚越好

“我还没老，不用这么快立遗嘱”
“我还想要买房子，等我买了房子才立吧”
“我还打算生几个孩子，等孩子出世后再立呗”

立遗嘱，不代表马上就要逝世
而是事先规划
不要等到紧急情况再想到要马上立遗嘱
试问，在紧要关头，谁还能清醒的知道自己要怎样分配自己的全副身家？

因为爱，你值得！

有人说我傻，年纪轻轻就去立遗嘱，
什么保险背景都没有，在当时没有人带领我，
也没有现有的大客户，
更选在身怀六甲的时候，往这行业里冲

真的，我当时是挺着大肚子上课、考试，
你可以叫我的孩子是遗嘱宝宝呗
她刚会认字的时候，一看到R，就会说“遗嘱”

Why Pay More Now?

Are you aware of our latest Real Property Gain Tax (RPGT rate on 2019) and Stamp Duty charged on property name transfer?
How much you will need to pay for both RPGT and Stamp Duty whenever you want to transfer property to your loved one during the lifetime?

Let's take a look at the RPGT rate table below:

Nominating Minors for EPF

Is this a good idea? 

This article is copied from LegalWillsMalaysia.com due to all info sent from them are so useful, I do not quote any single part. 

Many EPF contributors especially those with children, nominate their EPF money in this manner. They usually give a larger portion to the spouse (eg 60% to 80%), and the remainder goes to their children equally. This is not an issue if all your children are above the age of 18 years old.

On the other hand, if any your children is below the age of 18, then it can be an issue. For any child below the age of 18, they have to wait until they are 18 year old. Their share of the money will be held by the public trustee. 

If you have prepared well financially i.e. sufficient insurance money to cover house loans, car loans, living expenses etc, then the portion of money is usually not that crucial. The funds becomes quite crucial if your family is not that well off and your children need the money. Do not forget that when one person dies, a dual income family, becomes a single income family, and a single income family may be a no income family.

It becomes a big problem if you and your spouse dies together. Since both spouses nominated each other, a large portion of that money is stuck until your children either get  a Grant of Probate (if you have written a Will) or the Letter of Administration (if you did not write a Will). Your children will not be able to access that money you nominated your spouse to get for quite a while. Applying for a Grant of Probate can take anything from 6 to 9 months. Getting the Letter of Administration is even longer because the need for sureties and appointing a suitable administrator.

It is better not to include children below the age of 18 in your EPF nomination. You can name your children as back up beneficiary in your Will, in the event your spouse dies as the same time. That way, the executor and trustee of your Will, can access all the EPF funds once the Grant of Probate is out, and your children get to use the money.

CONTACT ME NOW: 016-6825195

Source: LegalWillsMalaysia.com