113 60b unclaimed estate!

60b unclaimed estate!	600亿遗产待领！
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This is, yet again, a reminder for all of us to properly plan our assets. We work hard for our family but due to procrastination or ignorance, we let our hard-earned money hang somewhere. 60b is a huge number! It's equivalent to 60,000 units of house costing RM1m each. Or if spread to our population or 27m, each will get RM2,222. Wow.	以上的新闻对还未好好规划财产的人而言又是一记棒头痛喝。我们忙忙碌碌为家人打拼，但是因着一时拖延或是无知却让辛辛苦苦赚来的钱吊在半空中。600亿可是天文数字啊。它相等于6万间价值百万的屋子；或若是平分给2千7百万人口的话，每个人可以分得2，222元。
Although we have a Distribution Act to specify who, among our family member, can get our assets, the process takes time. We must remember all assets will be frozen until a Letter of Administration is produced to unlock them.	虽然说我国有遗产分配法令来分配遗产给家里人，整个程序却相当耗时。在申请到遗产管理书之前，所有的财产都是被冻结的。若是家人急需那些钱来维持生计的话，那真的苦不堪言了。
The only two assets that won't need to go through probate process are EPF and insurance. Of course, that means that person has an updated nomination for both of them. Failing which, yet again, the monies will still fall into the estate and subjected to probate process.	只有公积金和保险金是无需经过遗产认证程序的。当然，拥有人必须确保在有关当局的提名是即时更新的。要不然，那些钱又掉入遗产里面，即表示要经过遗产认证程序。
In terms of personnel experience, some of the reasons most people don't make a Will today are because:- 1. Still Young 2. Not many assets 3. Still single 4. Writing a Will is expensive 5. "Pantang"	依个人经验而言，多数人不缮写遗嘱的理由多为：- 1。还年轻 2。财产还少 3。还单身 4。缮写遗嘱很贵 5。禁忌
I shall not elaborate in details those reasons. In fact, some of the reasoning are almost similar to people delaying their retirement savings process. Is this because of human nature? As a responsible person, we should think carefully and responsibly.	我不详细讲解。其实呢，当中的某些理由就跟许多人延迟储蓄退休金的理由是一样的。难道这就是人性吗？身为负责任的人，我们应该好好想想。
The awareness or the willingness to make one is often after some kind of tragedy happened. In the newspaper article, it says such awareness heightened after the two unfortunate airplane incidents. In my church community, such awareness and willingness heightened when one of our sister pass away at a young age. Her family has to go to many offices to claim her estate.	通常是某些不幸的事件发生后，人民才会醒觉或者有意愿改变。以上的报道说到经过两宗空难之后人们才开始醒觉。又比如在我的教会里，同样的醒觉及改变是在某位姐妹回天家后才开始出现的。那时她的家人必须奔跑不同的部门处理遗产。
When making a Will, most testator (the person making the Will) likes to appoint their close relative to be their executor (the person who represent testator to do all the processes). In the earlier days, I am quite OK with such practice as long as the appointed person is capable, well aware and willing to take on the responsibility.	当缮写遗嘱时，许多立遗嘱者喜欢委任亲戚成为执行人，即跑腿。在早期，只要被委任的人有能力、被告知以及愿意接受的话，我对如此的安排倒还好。
However, I have a change of view after one of my friend client pass away leaving his wife and two young school-going daughters. Her wife complained it's too tiring - she has to squeeze time to apply for Grant of Probate, going to many places to get things done, take care of children etc.	只是到了最近，就是当我的朋友兼顾客过世留下妻子和两个还在上学的女儿。为妻的投诉所有的东西太累人了，她必须抽时间申请遗嘱认证、奔跑不同部门、又得照顾两个孩子的吃穿上下学等。
After that, I ask myself the same question:- Even if I have written a Will, do I want my wife to spend all the trouble to go through all unfamiliar processes, on top of her daily chores and especially in sadness. My immediate response is No. If a professional trustee can do the job, why not pay them and spare my wife all the trouble. So, I strongly suggest clients to opt for professional trustee, especially he is a male testator. Do the best arrangement for beloved wife and children.	过后我自问：如果我立了遗嘱，我是否愿意让我的妻子去处理一些她根本不熟悉的任务呢？我的即时反应是否定的。如果一个专业的信托人可以代劳，我何不让他们去处理呢？因此，我鼓励顾客选择使用专业信托人，尤其是立遗嘱的是男性顾客。还是为妻子跟孩子们好好安排吧！
So, please approach a qualified financial planner to understand how to plan a Will today. Remember making a Will does not immediately transfer of your assets to other people. A Will only take effects only after the testator has finished his jobs assigned by God. During his lifetime, he can amend the Will anytime.	请今天就约见合格理财师了解如何规划您的遗嘱。缮写遗嘱并不表示你马上把财产转移给受益人。遗嘱是在立写的人被召回天家后才生效的。在生的时候，他可以随时更改遗嘱的。
If you need information, please contact me at sateo7689@yahoo.com. No obligation.	若是您需要任何咨询，请联络sateo7689@yahoo.com。

112 Seek financial advice from licensed financial planner!

Seek financial advice from licensed financial planner!	向合格理财师寻求财务建议吧！
In Malaysia, financial planning industry is highly regulated by Securities Commission and Bank Negara Malaysia. A potential planner must complete academic qualification - CFP - before applying to both authorities to be licensed as financial planner.	在马来西亚，理财行业是由证券委员会和国家银行严格监控的。一个潜在理财师必须完成CFP才能向有关当局申请为理财师。
The word "financial planner" is also regulated, whereby only licensed personnel can carry that title. So, the next time you see somebody presenting himself as a planner, be sure to enquire further if he is qualified academically, and also licensed.	“理财师”的字眼其实也是严格被监控的，只有有牌理财师才能使用那个衔头。因此，下次有人自称为理财师，请务必询问他是否是合格并拥有执照。
On 29 July, 2016, we read in newspapers SC reminded public not seek financial advice from anybody posing as one. Financial planner will be able to provide solutions without biased.	我们在2016年7月29号的各大报纸读到证券委员会提醒大众别轻易向自称为理财师的人员寻求财务询问。理财师可以给予客观的解决方案。
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Financial planning firm, like Phillip Wealth Planners I am attached to, tied up with many investment, insurance, will & trust companies, to provide multiple choices for client's.	理财公司，比如我加入的Phillip Wealth Planners，是与多间投资、保险、遗嘱和信托公司拥有合作关系，来提供顾客多重选择。
Planners like us are not forced by any principal to promote their products. In fact, we do not have maintenance quota to meet. So, it's very relaxing for us to choose the best for our clients.	我们这些理财专员并没有被规定要售卖任何一家公司的产品。我们甚至于无需达到任何销售额。所以我们可以没有压力的为顾客选择最好的。
For example, when a client enquire for a medical card policy, we can provide few company's proposal for clients to choose. Eventually, client may like a certain company or a certain feature. We are just there to provide solution - to solve his need. It doesn't matter, to us, which company he chose anyway.	举例顾客要求医药卡保单。我们就可以提供几间公司的proposal让顾客选择。顾客可能喜欢某个品牌或是某个产品特点。重点是我们提供了解决顾客需要的方案。至于顾客最终选择哪一家公司，对我们都无影响。
To identify if your planner is licensed, you can do the following checks:- 1. CFP/RPF qualification 2. Licensing check	要确保你的理财专员是否拥有执照，可以依循以下方法。 1。CFP/RFP资格 2。执照搜寻
1. CFP/RFP qualification Apparently, the first step to be a financial planner is a academic qualification. The most common we can find are CFP or RFP. A qualified planner will be proud to print relevant logo on their name card. So the next time you are presented with one, see if you can find any of those.	1。CFP/RFP资格 要成为理财师，第一步就是要有合格的知识。最为人知的两个为CFP或RFP。合格的理财师一定会很骄傲的把这些logo印在名片上。下次您收到名片时，不妨仔细看看有否它们的踪迹。
2. Licensing check To do this, browse to http://ers.seccom.com.my/public/Default.aspx?menu=1 Simply key in the name, and it will show which company the planner is attached to.	2。执照检查 可以到以下网址查询。 http://ers.seccom.com.my/public/Default.aspx?menu=1 只需输入名字，理财师附属的公司就会出现。