Sister Fang is one year older than me. She used to be my colleague in a state-owned enterprise. I left early, and she kept her ground and was successfully promoted to leadership. After a brief greeting, I asked her if she had gone to the hospital for reexamination. She said that she had just had a checkup and recovered well, but she was in a particularly bad mood recently and wanted to talk to me.
The cause of the incident is that Fang Jie's brother-in-law has lived in the United States for more than ten years. Recently, she wants to come back and sell the long-term rented house in Haizhu District, so as to avoid the complicated procedures of house inheritance in the future. However, Fang Jie's nearly 80-year-old mother-in-law insisted that Fang Jie buy it, and said, "I will pay 300,000 yuan to hang the house in your name. After buying it, our old man and lady will move in and live alone, so I won't bother you to take care of both of us.
Sister Fang is very angry. She said, "My parents-in-law lived with me for 20 years, but now that I am old, I have to move out and buy a house. Just because I have cancer. I'm afraid I've spent all my 2 million cash at home and want to use the excuse of buying a house to take it all up. The market value of the house is about 4 million, isn't it still in debt? They have no sympathy for me at all. I am a patient. Although the condition is stable now, what if one day the condition recurs and you need money to save your life? Do they want me to die early? "
Sister Fang is getting more and more angry and her eyes are red.
I know something about Jay's family. Her husband is a classmate and a civil servant, and his income is not as high as Fang Jie's. His only son is now studying in the United States, and it is uncertain whether he will return to China in the future. In addition, two houses in Fang Jie, one for her husband and wife and the other for her son, have been rented out.
I have never met Fang Jie's mother-in-law, but from her description, I think her mother-in-law and Fang Jie are both strong people, and they are both strong people at home. In the past, Fang Jie was busy with her work, leaving early and returning late, and had little contact with her mother-in-law. Now Fang Jie is seriously ill and semi-retired to rest at home. It didn't matter what she used to eat, and she seldom even ate at home. Now she has high nutritional requirements and eats less salt and food every day. I also often practice yoga meditation at home and ask for a quiet environment. In this way, it broke the pattern of 20 years. The old man doesn't want to have a conflict with his sick daughter-in-law, so he naturally wants to move out and live alone. It happened that my youngest son wanted to sell the house, so he wanted to buy it. First, he doesn't want to take advantage of outsiders. Second, maybe the old man wants to leave a message for his younger son. At least he won't have no place to live when he goes back to China to visit relatives, and he has to live with his brother and sister-in-law. In addition, if I pay 300 thousand cash, there will be no pressure on the house. Anyway, the house is written in the name of my son's daughter-in-law, and I think the daughter-in-law should agree.
This is such a thing. Sister Fang, how should this 2 million be planned?
I counted Fang Jie's requirements: First of all, I still have confidence in my recovery from illness and hope to live with my elderly parents for a few more years. I also hope to see my 20-year-old son finish his studies, get married and have children. And these all cost money! Secondly, this 2 million cash must be flexible, which can be used to save lives in case of recurrence of old diseases. Finally, in case of unfortunate coffee with God in advance, the money can be guaranteed to some parents and most of them to their sons, and there will be no inheritance disputes. Even if my son doesn't go back to America, there won't be any tax problems.
And this happens to be my professional content. Because of physical reasons, many companies refused to insure, and finally one company promised to insure, but only paid the premium. Insurance can't be bought if you want.
The scheme is as follows: whole life insurance's compensation will be increased by 2 million, Fang Jie is both the insured and the insured, and the beneficiary will write his son. Because this kind of insurance has high cash value and fast appreciation, you can withdraw money at any time after two years, and you can support it if you need a lot of cash. If you don't need to receive it, compound interest every month and increase the value. After 100 years, your son, as the beneficiary, regardless of whether he was a citizen of China at that time or not, and whether he had inheritance tax, can get this benefit tax-free and designated. The perfect solution to Fang Jie's needs.
Finally, I am glad to see Fang Jie's satisfied smile. Exactly what I said: the law is cold afterwards, and the insurance is warm beforehand. Through insurance, you can leave love to the person you love the most, designate inheritance to avoid disputes, plan rationally, and have no troubles.