Mar 19 3月19日

Polishing Apples and Inheritances 抛光苹果和继承

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“How I Made My Fortune? “我如何取得我的财富呢? It was really quite simple.这是真的相当简单。 I bought an apple for 5 cents, spent the evening polishing it, and sold it the next day for 10 cents.我买了一个苹果,为5美分,花了傍晚抛光,并出售它,第二天为10美分。 With this I bought two apples, spent the evening polishing them, and sold them for 20 cents.这个我买了两个苹果,花了傍晚抛光,并出售他们的20美分。 And so it went until I had amassed a dollar and sixty cents.所以直到我到了积累了港元和60美分。 It was then that my wifes father died and left us a million dollars.”当时,我wifes父亲去世,并给我们留下了100万美元“ 。

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Now wouldn’t that be nice!  An inheritance is certainly a gift, yet more frequently I am reading that many people are counting on an inheritance to support them in their later years.  While talking with an elderly person recently I thought it interesting that as much as we plan for our future, and attempt to secure our financial lives through estate planning, etc,  we really don’t know how much of our savings we may need during our last years.  Unless someone is extremely wealthy, the money set aside in savings and retirement accounts may be needed for assisted living, nursing care, medical costs…on and on until?  Maybe until it’s gone.  There are many people using various strategies to shed income and move assets in order to qualify for Medicaid.  But realistically, Medicaid is a program for the poor… and those who need it most.  Ethically there is a great debate about how individuals may shift money around to qualify in later years.  Suffice it to say, if we want to have a choice of the type and location of care during our “nursing home years” we may just need to ensure we can pay for it.  If a relative is counting on some type of inheritance, they may be surprised when ‘ole mom, dad or grandma lives another 20 years!  And you never really know what someone may decide to do with their money… it is, after all, theirs.  As for me, I don’t believe in counting on an inheritance, and if it ever did happen- I would consider it as many do… a loving gift from one who has moved on.   I think I’ll go polish another apple…现在不会是这样的美好! â â继承无疑是一个礼物, â ,但更多的frequentlyâ i amâ读,许多人指望得到继承,支持他们,他们稍后years.â在谈到与老人最近iâ思想它有趣的是,虽然我们计划为我们的未来,并企图以确保我们的金融生活,通过遗产规划等, â ,我们真的不知道有多少我们的储蓄,我们可能需要在上次我们years.â除非有人是极为富裕,这笔钱留在储蓄和退休帐户,可能需要协助的生活,护理,医疗费用…就和,直到? â也许直到它的gone.â有很多人利用各种策略,以大棚收入和动议资产为了有资格参加medicaid.â但是,从实际出发,医疗是一种程序,为穷人… …和那些谁需要它most.â在道德上有很大的辩论,有关如何个人可能转向钱左右,有资格在稍后years.â就够了也就是说,如果我们希望有一个选择的类型和位置的照顾,在我们的“护理之家年: ”我们可能只需要确保我们可以支付it.â如果一个相对的是票对某些类型的继承权,他们可能惊讶时, '的OLE妈妈,爸爸或奶奶生活的另一个20年! â和你从来就没有真正知道什么,有人可能决定是否与他们的钱… …这是,毕竟, theirs.â至于我,我不相信对1票的继承,如果以往任何时候都没有发生- â我会考虑它作为很多…一个充满爱的礼物从一个谁提出on.â â我想我会去波兰的另一个苹果…

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