Have you ever thought that your heirs will experience the ease or otherwise of the inherited property? Of course it is not impossible that you prepare your heirs to more easily obtain the benefits of your asset inheritance optimally.
No doubt, sometimes the question arises in the mind, that what happens with the assets inherited later. Including debts that may still be our responsibility during life. asuransi pendidikan
In order to have a sense of relief, it would be nice if we prepare everything properly and clearly from the beginning. So the treasures we leave behind can provide maximum benefits for our successors or our heirs.
Often in real life, there are problems or disputes between heirs. It could be that, because of a retained asset, incomplete administrative requirements, or other constraints that result in your assets not falling into the heirs properly.
In fact, the assets that have been prepared is very useful for the future of your heirs, right?
Sometimes, the heirs do not get the assets they are supposed to receive, but instead are burdened with unresolved problems or debts. This is not a rare case, it often happens around us.
The existence of financial problems to the heirs in his lifetime, causing negative effects or severe problems for the heirs. Therefore, the need for anticipation. It is hoped that it will be easier for heirs in the future, especially the heirs can get their rights with the maximum without financial difficulties
Here are tips to simplify the heirs in the future that you can note from now:
1. Make a List of All Assets and Debt
Do not even check all the sets you have, whether it’s deposits, mutual funds, stocks, or other investments. Set aside time to list all the assets. In addition, check the amount of debt you have. Make sure you take notes and do not miss a thing.
In addition to registering and listing all assets, be sure to check the completeness of the documentation. For example, check the column of heirs, whether the name listed is as expected or not. Do not let you forget this trivial problem, but ultimately even lead to fatal ends for heirs.
Make sure all types of investments you have listed the name of your heirs completely. If you have an asset in the form of property, we recommend that the name on the certificate also be changed as needed.
For names of eligible heirs are usually the closest family member, eg spouse or child. If not married, then parents or relatives may also be made as the heirs of these assets.
2. Note the Disbursement Mechanism and Terms
If you have many assets in a financial institution, you should know with certainty the administrative requirements and liquefaction mechanism of the asset. Especially if the owner dies and will be given to the heirs.
Do not get in then heir there are some requirements that are not known before, thus making it difficult for the heirs to dilute the asset.
For example, most financial institutions keep asking for power of attorney authorized by a notary for the disbursement of an asset. Although in the column of heirs have been clearly stated the name of the heirs concerned.
3. Update Data When There is a Status Change
Keeping asset data up to date is very important. For example, marital status or residential address, and the number of heirs.
If before marriage the names of your heirs are parents and relatives, it’s good after marriage is changed and addressed to your wife / husband and your children.
This trivial thing if forgotten can cause difficulties in the future. Because the financial institution will only submit assets to the designated heirs as stated in the document formally.
4. Make a Testament
Certainly it is common that inheritance issues often trigger a commotion, even among families of their own. Therefore, to determine the portion and heirs of your choice, put them on your will.
Give an explanation of the designated heirs, how much of the pa funds will be inherited in detail.
If there is a difference between the heirs with each other, explain in detail the reason for the division. This is important to avoid any questions from each heir.