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无法获得自己的房子 陈先生一直无法向银行贷款购买房子, 因此只好以姐姐的名义向银行贷款购买了一间房子。他的姐姐并不介意这样的安排, 因为每个月交还贷款的依然是陈先生。 这样的安排没有面对任何问题,直到陈先生的姐姐突然离世。由于他的姐姐并没有立下遗嘱, 而这间房子是以她的名字购买, 顺理成章便成为了她的遗产。按照遗产分配法令, 她的遗产将由丈夫和孩子获得, 包括陈先生购买和现在居住的房子。 更不幸的是, 陈先生的姐夫并不接受他的解释,就算陈先生有缴还贷款, 他仍然觉得自己才是这间房子的合法继承人。 陈先生现在只有两个选择, 一个就是向法庭讨取自己应得的利益, 但这将会需要很长的时间,而且其结果是无法预测的。另一个选择就是停止缴还贷款, 这样银行就会收回房子的拥有权。但是这两个选项都对陈先生没 有好处。    *** 利用他人名字购买房地产的例子并不罕见, 尤其是发生在生意伙伴、好朋友或亲人之间。但是很多人都忽略了一旦房产持有人死亡, 在没有完善的资产规划情况下, 所带来的问题和影响是深远的。 当一个人死亡或昏迷时, 他的家人可能会因为资产的分配而有所争执。 像陈先生的情况, 其实应该在购买房子时与姐姐签署一份信托宣告书。信托里将注明他的姐姐为第一信托者，而信托公司则是替补的信托人。陈先生的姐姐只需要签署信托合约和移交授权书给信托公司。当她离世后, 信托公司将会替管这间房子, 并按照合约里的条款把房子移交给陈先生。通过这样的安 排, 陈先生就能合法得到房子的拥有权, 也不会让他的姐夫得到这间房子。 设立信托宣告书最大的好处就是房子名字虽然是姐姐的, 但是真正的拥有权却是陈先生;而且设立信托时, 无须花费房子转换名字的费用, 只有当他姐姐离世时, 才需要支付转移房子的费用。与此同时, 转移房子手续也会变得非常快速, 因为并不需要得到他姐姐的遗产证明书才能转换名字。 通过信托公司, 陈先生和他姐姐就不需要担心会受到其他人的干扰, 因为信托公司将根据信托里的指示处理事务, 比起独立人士为个人执行者来得更加可靠。 信托公司也不会面对独立人士会面对的问题比如死亡、生病、 残废、意志不清醒或破产。当一个独立的信托人离世后, 他的资产包括在他管理之下的信托财产将会被冻结, 直到遗产管理的程序完成为止。 后记: 若自己或身边有朋友也是使用亲友名...

« 立遗嘱, 不能犹豫 » 小明感到非常的心急。他原本应该在15分钟前就跟李先生见面，可是现在却困在车龙中。他预计是会迟到了。他也无法及时通知李先生，因为他把手机落在办公室里。 他心里盼望着李先生不会责怪他的迟到。 小明心里想着:“他应该不会怪我。在之前的9个月，我们每次见面他都会迟到。” 45分钟过后，他终于来到李先生的家门口。可是李先生的汽车却不知所踪。接着一名女佣走出来，用沉重的语气告诉小明，李先生进了医院。 当小明赶到医院时，才发现李先生患了突发性心脏病。虽然李先生仍然半昏迷地躺在病床上，但情况十分危急。 小明感到非常沮丧，立遗嘱的事情已经拖延了很久，为什么在李先生决定要缮写遗嘱的时候，却偏偏发生了这么不幸的事？回想起当初，李先生与小明见面后，虽然已经了解遗嘱的事项，但却需要跟妻子商量才能做决定。过后，李先生总以事务繁忙为理由，拖延立遗嘱的时机。 虽然如此，小明还是不断地提醒李先生立遗嘱的重要性。直到有一天，李先生的好友因为飞机意外失事而死亡，才让他决定要尽快立遗嘱。 如果要让遗嘱有效，立遗嘱者必须有能力执行立遗嘱的能力，这也代表立遗嘱者必须处于清醒的状态。 如今李先生的身体状况已经无法给予立遗嘱的指示。就算可以根据规定立下遗嘱，在两名见证人面前签下遗嘱，未来这份遗嘱也会轻易地被挑战，因为李先生在立遗嘱时的精神状态是被质疑的。 小明感到非常沮丧以及非常后悔自己当初为什么会允许李先生故意拖延了立遗嘱的时间。万一李先生突然离世，他的家人将必须面对没有遗嘱的后果。 如果李先生在此之前立下了遗嘱，那么他的遗产将会根据自己的意愿作出分配。没有遗嘱，李先生的遗产则会根据1958年马来西亚遗产分配法令处理。这让他的遗产无法按照他的意愿进行分配; 再加上没有遗嘱的认证书，遗产管理将会变得更加繁杂与耗时。

Rockwills Family Trust Talk https://fb.me/e/1LeHWHHDe The misconception of setting up Trust: Trust is only for the rich (Misconception) How much do I need to set up a family trust? Q&A How much is the fee for Setting up a trust? Maintenance, 0.75% - 0.5% What if the fund fully utilizes earlier than our planning (e.g. kid undergoes surgery, insufficient trust fund) Will the Trust End even our kids are still underage? YES: You have to have enough Funding. Prepare extra funding. Other benefits: e.g. Orchard, who need special skills, if you pass down to the kids, they might not be able to manage. Trustee hire professional to manage for you

Effective leaders have the ability to implement long-term change in an organization. It is a key skill that will enhance the company’s ability to compete in the future and increase its performance. Knowing how to help others understand the reasons for change, leverage the advantages of change, and manage the risks associated with change are all fundamental to success. Successfully leading others through the change process is not an easy task. Some people will always have a tendency to view change in a negative light. Change comes with the loss of a familiar way of doing things. Individuals who are comfortable relying on past experience may feel less secure or uncomfortable knowing that they’ll need to develop new skills to move forward. Great leaders know how to implement change and understand how to help people move through the discomfort that comes with change. They appreciate the benefits associated with doing business in a new way. They help people understand that change comes wit...

As we know the importance and benefit to have a will, let us zoom into the section of rewriting a will. S ome of the reasons that we need to rewrite  a will   include the following events: Marriage.  You will want to include your new spouse in your will. Besides, m aking a new will is also a good idea for same-sex married couples . Better to be safe and revise your will to include your spouse in a same-sex marriage. Divorce.  This is an important reason to  revise a will  or  make a new will . Your  last will  is invalid if it gives part or all of your estate to your former spouse. however, to prevent dispute, please do a rewrite.  A new relationship where there is no marriage.   If you were to die without including your domestic partner in your will, your partner will not inherit anything. You can   amend a will  so that your partner is included in your estate plan. Both of you should consider updating your   will...

 Do you know, more than 90% of the adult Malaysians have not written their Wills? Why writing a will is so important? With a will, you can decide: The guardian of choice to take care of your children Your trusted executor to carry out your wishes and settle your debts What assets to give and how much Who to inherit With a Will, you may also avoid the long delays in distributions! Set an appointment with us! We listen to you and plan for your legacy. Making your wishes comes true. (click the above button to schedule 30 minutes free consultation for will writing) Follow our channels: Youtube Channel | Facebook Page | LinkedIn Profile

Contact details: https://www.facebook.com/ervin.ling Please find below - Some useful links for Will & Trust Planning 1). Set an appointment with Ervin: 30 Minutes Free Estate Planning Consultation https://calendly.com/ervinling/appointment 2). Whatapps for enquiry thru texting https://ervinwillwriting.wasap.my/ 3). Facebook Page | Ervin Ling - Estate Planning Specialist https://www.facebook.com/ErvinLingPlanner 4). About.me | Ervin Ling's E-Name Card https://about.me/ervinling 5). Website - Under Construction