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Nov 12, 2020 at 04:37 pm —
Saddest Story: Woman loses RM4.3mil inheritance

Saddest Story: Woman loses RM4.3mil inheritance

About 30 years ago, Dolly Ng inherited more than RM4mil from her parents. The 72-year-old had been safekeeping the money in several bank accounts throughout the years.   Some time in May last year, a person, claiming to be a policeman, contacted her. “The caller told me that my money in the accounts was under investigation by the authorities. ​“He advised me to open a new account and transfer the entire amount there, ’’ said Ng. The former piano teacher said she followed the instructions and transferred RM4.3mil into the new account. “About two months later, a friend told me about some scams during a casual conversation. “I got worried and decided to go to the bank to check my savings, ’’ she said. She was shocked when told that there was only RM14,000 left in her account. “I quickly withdrew the remaining RM14,000, ’’ Ng said, adding that she then lodged a police report. From the printed statements she obtained from the bank, it showed that her money was transferred out via Internet banking to 18 individual accounts over a period of 45 days. “I did not open any Internet banking facility under the account. So how can the bank allow the transactions without any verification from me?” she said. According to the statements, some of the names were of people who were not known to her. A transaction of RM9,999 was made 15 times a day, which totalled up to 459 transactions from June 1 to July 16,2019. “I am a retiree. The money was my only safety net. I have no other income to last through my old age, ” said the septuagenarian. Ng has since initiated legal action against the bank, seeking to be reimbursed the lost amount. “The bank lost my money. It is only right that they give it back to me, ’’ she said. Ng’s lawyer Loo Chay Meng said the case had been filed at the Shah Alam High Court. 立遗嘱其实很简单 只需联系我们提供资料, 我们将会有专员为您上门服务 还在为自己的资产规划所烦恼吗? 让我们为您排忧解难 OSS Advirsory - 找专业人做专业事 ------------------------------------------------ Address: 69-01, Jalan Anggerik Emas 1, Taman Anggerik Emas, 81200 JB. Mobile: 012-7119693 (whatsapp) Tel:07-5952804 Website: www.ossplanning.com.my Email:admin@ossplanning.com.my   read more
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Nov 12, 2020 at 04:11 pm —
立遗嘱有利无弊

立遗嘱有利无弊

您或许会觉得立遗嘱是件很麻烦的事,或认为这是有钱人才需要做的事,但您可曾想过,有一天当您离开人世,您所遗留下来的所有资产都将被冻结,以至于您的家人无法顺利取得一分一毫,甚至需要花上2至10年时间,耗时耗力才能解决。 仅5%华人有立遗嘱 根据统计,全国仅有5%华人有立遗嘱,这也意味绝大多数华人因为没有立遗嘱,导致家属在当事人离开后,无法获得保障,甚至可能因为财务分配不均而引发争执。 大马著名寿险、房产投资及理财顾问拿督蔡明敏接受《星洲日报》访问时指出,当一个人逝世,其资产将被冻结,在没有立遗嘱的情况下,政府将根据1958年财产分配法令来行事,家属必须聘请律师及寻找2名担保人(各别担保人的身家必须超过逝者的身家),提出申请书,准备资产清单,并在法庭批准后,还清逝者生前的债务,包括所得税、房贷、车贷及卡债等,之后才得以分配给受益人。 在上述过程中,逝者的资产将被公开,而家属也可能在处理过程中,因为意见不合起冲突,且政府也必须鉴定受益人的身份,程序繁杂又冗长。 找律师立遗嘱只需600 然而,只要寻找任一位合格的律师,支付约600令吉立遗嘱,家属就可以在资产被冻结后,根据遗嘱申请遗产管理书,免去寻找2名担保人的程序。在收集资产清单及法庭批准后,还清逝者生前留下来的所有债务,即可让受益人顺利获得遗产。 同时,当事人可在遗嘱中列明所有不动产和流动产的分配,包括在立遗嘱后所购的任何资产,也能在遗嘱中清楚阐明分配情况,家属不能有异议。 保险 公积金 信托户头不冻结 速登记受益人名字 除了立遗嘱,凡拥有超过3000万令吉资产的当事人也可以委托信托公司进行遗产分配,一旦当事人死亡,其受益人可直接获得所列的资产,过程简易又迅速,且当事人可因受益人的各别情况,限制每月可领的财产数额,确保财产不会在短时间内被耗尽。 尽管一个人在逝世后,其所有资产都将被冻结,但政府同时列明公积金、保险金和信托户头不受到影响。因此,民众受促尽速向大马雇员公积金局登记受益人名字,让该局可以更快速执行公积金的数额比例分配工作。 信托户头就是把一笔钱存放在信托公司,委托他们在委托人不幸离世后,可以不必经过解冻的程序,把这笔钱分配给受益人,解决在这紧急时刻,家人的开销问题。 信托公司 信托基金有异 蔡明敏强调,以上所述的信托公司和信托基金无关,后者是一项投资计划,而前者是受委任为当事人执行财产分配的公司,这也是民众经常感到混淆之处。 截至目前,大马共有27间受政府认证的信托公司,包括银行和私人信托公司,唯有让合格的信托公司帮忙接管后续的遗产分配,家属才能获得最完整的保障。 梅艳芳 沈殿霞好例子 蔡明敏以知名艺人梅艳芳和沈殿霞为例,她们生前都委任信托公司代为分配遗产,确保家属每月可获得指定数额的遗产,生活受到保障。 除了立遗嘱及委任信托公司,当事人也可以选择保险信托。 在财务规划领域累积30年经验的蔡明敏劝告民众及时做好财富规划,尤其应该趁生前做好立遗嘱的工作,或通过保险及信托户头列明受益人名字,保障家人的生活,又能减免不必要的争执问题。 (新闻来源:砂拉越星洲日报)   文章来源 : 星洲日报 2019-04-06 read more
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Oct 30, 2020 at 02:27 pm —
因遗产问题在家中枪战,三人当场丧命😰

因遗产问题在家中枪战,三人当场丧命😰

爱尔兰郊区发生重大命案,一名父亲和他的两个儿子陈尸自家农场中,起因是几人对农场的继承权产生了争执,三人争吵中互相开枪,全部当场丧命。   据知情人士透露,三人是因为农场的继承问题发生了激烈争吵,有一位家庭成员生了重病给家里的经济造成了很大的压力,父子三人对于遗产继承问题的不同意见是本案的导火索。调查人员称他们还在等待尸检结果,暂时还不知道这三人到底是谁开枪打死了谁。   悲剧本是可以避免的😰 ✅尽早做好遗产规划,避免家人间的金钱纠纷,也好好的维护了家人间的关系❤   😇立遗嘱其实很简单😇   只需联系我们提供资料, 我们将会有专员为您上门服务 还在为自己的资产规划所烦恼吗? 让我们为您排忧解难 OSS Advirsory - 找专业人做专业事 ------------------------------------------------ Address: 69-01, Jalan Anggerik Emas 1, Taman Anggerik Emas, 81200 JB. Mobile: 012-7119693 (whatsapp) Tel:07-5952804 Website: www.ossplanning.com.my Email:admin@ossplanning.com.my read more
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Oct 6, 2020 at 04:22 pm —
OSS Planning & Services added a news
Oct 6, 2020 at 04:17 pm —
OSS Planning & Services added a news
Oct 6, 2020 at 04:01 pm —
钟丽缇旅行前立遗嘱保障女儿

钟丽缇旅行前立遗嘱保障女儿

据报道,现年43岁的前TVB艺人钟丽淇退圈已经15年,对娱乐圈再没有兴趣,不过外界对她的关注并不少,换个角度说,外界更关心她的大女儿Isabella的状况。   钟丽淇的大女儿2010年出生没多久就确诊患上了罕见的基因病,虽然Isabella情况有所好转,但是整体的情况依然不乐观。而这一点钟丽淇非常清楚,所以直到今天她依然无时无刻不考虑女儿的各种情况,只要是短暂的离开,她都会把可能发生的情况进行考虑,所以她表示家中的各个角落都贴满了小纸条,上面写着各种应对措施,这既是给她自己的提示,也是给家中佣人的提示。   她在节目中,钟丽淇还透露已经找了律师立了遗嘱,这不是开玩笑的事情,完全是为保障大女儿日后的生活所考虑的。在2019年她与丈夫难得蜜月旅行,在去之前她就已经立下了遗嘱,因为担心自己与丈夫发生意外,大女儿的生活没有保障,就是不想给自己有任何一丝担心的余地。   ✅尽早做好遗产规划,即使不在了,还是尽最大的努力确保所爱之人未来的生活受到保障。❤❤❤   😇立遗嘱其实很简单😇 只需联系我们提供资料, 我们将会有专员为您上门服务 还在为自己的资产规划所烦恼吗? 让我们为您排忧解难   OSS Advirsory - 找专业人做专业事 ------------------------------------------------ Address: 69-01, Jalan Anggerik Emas 1, Taman Anggerik Emas, 81200 JB. Mobile: 012-7119693 (whatsapp) Tel:07-5952804 Website: www.ossplanning.com.my Email:admin@ossplanning.com.my read more
OSS Planning & Services added a news
Oct 2, 2020 at 04:46 pm —
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