Sushi Money 寿司的钱

Do you ever wonder if at the end of your life, after the funeral, when the family and friends go home, and when people think about the person who you were, what they remember of you?  Do you care about a legacy?  Is it important that some sense of who you were is left behind or considered by others?  Does it matter to you at all?你想知道如果在年底您的生活后，葬礼时，家人和朋友回家，当人们想的人你是谁，什么，他们记得你吗？你关心的遗产？是重要的是，从一定意义上是谁，你是留下来或考虑别人是否件事给你的所有？

Those are all questions that many of us consider from time to time, especially as we get older or go through a life changing experience.  If some of those questions strike a chord within, perhaps it’s because at some level we want our life to matter.这些都是问题，我们很多人考虑从时间，以时间，尤其是随着年龄的或经过一个不断变化的生活经验，如果一些对这些问题罢工的共鸣内部，也许这是因为在一定程度上我们希望我们的生活事件。

What we do in life, and what we leave behind does matter to many, many people.  It matters so much that many of us do something to show that we care.  We work to help others in our community, or a charitable cause, in life or after.  We have life insurance, or make bequests from our will or estate.  Or we write a letter or note for loved ones to read after we’re gone.  Maybe we simply try to divide our belongings and estate among family in friends in a manner we think would help them.我们做什么，在生活中，和我们留下的问题确实很多，很多人，它的事项这么多我们许多人做一些事来证明我们的照顾，我们的工作来帮助别人在我们的社会，或慈善事业，在生活中或之后，我们有寿险，或作出遗赠从我们的意志或地产。或我们写信或注意自己的亲人阅读后，我们正在经历，也许我们只是尝试鸿沟，我们的财物和地产之间的家庭，朋友在方式上，我们认为会帮助他们。

For many of us it’s hard to really understand how our actions may have helped others through life.  We wonder if our lives really made a difference and reach for some sense of how our life mattered.对我们许多人真的很难真正了解如何在我们的行动可以帮助别人，通过生活，我们不知道，如果我们的生活真的作出了差异，达成一些意识如何，我们的生命重要的。

Of course there are other people that do have some sense of the impact they have made, or that they will make, and some seek the opportunity to contribute, give back, or “make their mark” to such a degree that their lives have been a statement in and of themselves.  I think of Bill and Melinda Gates’ legacy with their charitable foundation, and I marvel at what they’ve achieved on behalf of others.当然还有其他人认为，这样做有一些意识的影响，他们所提出的，或者他们会和一些寻求机会作出贡献，给予回，或“使他们马克”到这种程度，他们的生活已声明在和自己的，我认为对比尔和梅林达盖茨'遗产与他们的慈善基金会，我惊叹于他们所做到的代表他人。

But some people live their lives to such a degree that they don’t care one bit about what other people think, in life or in death.  And that’s fine too, and it’s their choice.但有些人生活到这种程度，他们不关心1位是什么其他人认为，在生命或死亡的。和的优良太，这是他们的选择。

Most of us do care however.  Yet realistically we will never know of our impact or how others wil view our life.我们大多数人照顾，但这样做，但现实，我们绝不会知道我们的影响，或别人怎样西港岛线检视我们的生活。 And that’s just the way life is.和这只是生活的方式。

Personally I can think of nothing worse than seeing the last statement of who I was as someone who abandoned any sense of humanity or care towards other people.我个人能想到的任何情况下看到的最后一次发言是谁，我是谁，因为有人放弃任何意义上的人类或照顾其他人。

Apparently Leona Helmsley did just that .  She died in 2007 with over $2 billion in liquid assets on hand, and left most all of it for the welfare of dogs.   That was certainly her choice and I don’t begrudge taking care of animals in any way.显然leona Helmsley酒店正是做到了这一点 ，她死于2007年超过20亿美元的流动资产上，另一方面，最左边的所有，它为社会福利的狗，这肯定是她的选择，我不begrudge照顾的动物，在任何方式。

But it was the singular focus on animals that, for me, made a statement of Leona Helmsley’s inhumanity towards other people.但它是奇异的重点动物，对我来说，发表了一项声明的leona Helmsley酒店的惨无人道的对其他的人。

“The [New York] Times said Helmsley signed the mission statement in 2003 to establish two goals for the multibillion dollar trust that would dole out her assets following her death.” “ [纽约]时报说， Helmsley酒店签署的使命声明，在2003年建立两个目标的数十亿美元的信托基金将多尔指出，她的资产以下她的死因” 。

“The first goal was to help poor people, the Times reported. “第一目标是帮助贫困人口，纽约时报报导。 The second goal was to provide for the care and welfare of dogs, the paper reported.第二个目标是要提供照顾和福利的狗，该文件的报告。 In 2004, Helsmley, erased the first goal, the Times said.”在2004年， helsmley ，抹去的第一目标，时代说“ 。

What wonderful goals she had on her personal mission statement.什么美好的目标，她已对她个人的使命声明。 To help poor people, and to help dogs.以帮助贫穷人民，并帮助狗只。 And then to abandon people altogether?然后放弃的人共有？ I think that’s very sad.我认为这是非常可悲的。

Most of us won’t ever be able to conceive of the differences we have made to the lives of others.  The little things we have said or done, or the people we’ve helped along the way.   Have you read the story of Eddie in The Five People You Meet in Heaven我们大多数人不会以往任何时候都能够设想的差异，我们已作出向他人生命。小的东西，我们已经说过，或做了，或人民的我们已经帮助在前进的道路上。您读过的故事，埃迪在五人，你在天上见面 ?  Watching the 2005 movie by the same name provokes some profound thoughts about the journey of our lives and the people we have touched. ？看电影2005年由相同的名称挑起一些深层次的思考的征途上我们的生活和人民的我们感动。

The story of Eddie is about someone who doesn’t think his life really mattered.  On his 83rd birthday he dies in an accident trying to save a little girl.  And then he wakes up in heaven where five different people take him through the journey of his life, and show him how his life touched theirs, and that it did really matter.   The story shows how connected we are with each other, and that whether we realize it or not, our actions and kindnesses do matter.  Eddie discovers the meaning of his life and learns that what matters most is the love and kindness that we show to others.故事埃迪是关于有人谁不认为他的生活真正重要的。他的第83岁生日，在他去世一意外试图挽救一个小女孩。然后他醒来，在天上的五个不同的人，他通过的征程他的一生，以及他如何显示他的生命感动他们，而且它没有真正的问题。故事显示了如何连接我们与对方，而且我们是否意识到或没有，我们的行动和kindnesses做的事。埃迪发现的意义他的生活和学习认为，最重要的事情是爱和善良，我们显示给他人。

It’sa wonderful story that frames the small inconveniences and daily frustrations of our lives in such a way that we may let them go to understand the greater good.   And maybe take heart that our lives do matter, and will have mattered long after we are gone.   Who we are does matter, and we can make a difference.这是美好的故事框架小的不便和困扰，每天我们生活在这样一种方式，我们可能让他们去理解，更大的利益。和可能采取的心，我们的生命做的事，将有重要的后不久，我们正没有了。我们是谁没有的事，我们可以有差别。

Leona Helmsley’s estate legacy will certainly make a difference in the lives of dogs.  It’sa shame so many children and families living in poverty could not have received the same consideration.  Or a school, or a shelter, or a foundation… leona Helmsley酒店的地产的遗产一定会作出的差异，在生命的狗。这是耻辱，这么多的儿童和家庭生活在贫困中不能得到同样的考虑。或一所学校，或一个庇护所，或基础…

Even so, we won’t ever know of the lives she touched or those she may have helped during her life.  Maybe somehow her support for the welfare of animals will foster a greater awareness for animal welfare, and ultimately a greater good among people?   It’s possible.即使如此，我们将不会以往任何时候都知道她的生命感动，或她可能有帮助，在她的生命，也许在某种程度上，她的支持，动物福利，会促进更深刻的认识，动物福利，并且最终实现更大的利益之间的人呢？它的可能。

I don’t know what the last statement of who I am as a person will be.我不知道最后的声明我是谁，作为一个人会。 I hope it’s something that involves helping other people, and whether remembered or not, that it’s something that makes a difference.我希望它的一些涉及帮助其他人，以及是否记得或不，它的东西，使有差别。

Maybe it’sa good time to look at the will.也许这是很好的时间来研究在会。

When was the last time you talked with family members about estate planning and arrangements after death?  It’s not an easy topic for most of us, and for some it’sa balancing act between both personal emotions and that of other family members.  Getting it right is something we all want, but so many questions remain unanswered.  In this short video the Wall Street Journal’s Jeff Opdyke talks with his grandmother about her estate planning wishes.  It’s an interesting look at family discourse, perhaps a little structured but honest and… well, just kind of nice.当是最后一次，你跟家庭成员约地产规划和安排后死亡？这不是一件容易的题目对我们大多数人，和一些它的平衡，双方个人的情绪及其他家庭成员。越来越它的权利，是我们大家都希望，但这么多的问题仍然没有答案。在这短短的视频华尔街日报的杰夫opdyke会谈，他的祖母对她的遗产规划的意愿。这是一个有趣的看家人的话语，或许有点结构，但诚实和… …好，只是种很好。

I’ve had similar conversations with relatives and things are not quite that simple at times. Heck, I don’t even have my own estate planning issues solved either.我已经有类似的谈话，与亲人和事情不太简单的时代。赫克，我什至不有自己的遗产规划问题解决。  But it’s so important to consider end-of-life issues .  Especially regarding paperwork and record keeping.  Between the many different banking and other accounts, it can be quite challenging to manage for everyone.  But getting everything in order is very important, and having a will is the first of many steps to think about.但它的重要的是要考虑生命周期结束的问题 ，特别是关于文书及备存纪录。之间的许多不同的银行和其他帐户，它可以相当具有挑战性的管理，为大家，但得到的一切，为了是非常重要的，并有一个将是首次有很多步骤，以思考的问题。

I recently ran into a situation where someone has a trust, with  most of their property in it.我最近陷入的情况下，有人有信任，与他们的大部分财产在它。 But they don’t have a will!  They’ve had a living trust for over 20 years, without a will to go with it.   Is that a problem?  Absolutely.  In this case, the individual had several accounts and other property that were not placed into the living trust.  What happens after death?  The estate of that individual may be partially intestate and the courts would have to decide what to do with the property that was not placed into the living trust.  Having a will is essential, and with a trust a “pour-over will” serves as a safety net.  The “pour-over will” functions to “catch” anything that was either intentionally or inadvertently left out of the trust, in most cases directing the distribution of assets to the trust itself.  There’s lots of information out there, and it’s always good to look at your personal situation and see where you stand.  If in doubt, talk with an attorney or estate planning specialist.但他们没有一个会！他们已收到了生活的信任超过20年，没有一个会去与它。这是一个问题？绝对。在这种情况下，个别有几个帐户和其他财产被不能纳入生活的信任。后会发生什么死亡？遗产，个别可能部分intestate和法院会决定要怎么做与财产，这是不纳入生活的信任。有一个将是至关重要的，同一个信托“凝将超过”提供了一个安全网。 “凝将超过”职能“迎头赶上”的事，就是有意或无意排除在外的信任，在大多数情况下，指挥分配资产信托本身存在的很多资料在那里，它总是好的，看看您的个人情况，看看你的立场。如有疑问，请跟律师或地产规划专家。

“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“ 。

Author Unknown作者未知

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！继承无疑是一个礼物，但更经常地，我读，很多人指望得到继承，支持他们的晚年。在谈到与老人的人，最近我还以为它有趣的是，作为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，我们真的不知道有多少我们的储蓄，我们可能需要我们在过去几年里，除非有人是非常富裕，这笔钱拨在储蓄和退休帐户，可能需要协助的生活，护理，医疗费用…就和，直到？也许直到它的消失。有很多人利用各种策略，以大棚收入和动议的资产为了有资格参加医疗保险。但是，从实际出发，医疗是一种程序，为穷人… …和那些谁最有需要的。道义上有很大的辩论，有关如何个人可能转向钱左右，有资格在多年后。足以说明，如果我们希望有一个选择该类型和位置的照顾，在我们的“护理之家年： ”我们可能只需要确保我们可以付出代价。如果一个相对的是票对某些类型的继承，他们可能会感到惊讶，当'的OLE妈妈，爸爸或奶奶生活的另一20年！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，他们的，至于我，我不相信在票上的继承，如果以往任何时候都没有发生，我会认为这是很多做…一个充满爱的礼物从一个谁提出对，我觉得我会去波兰的另一个苹果…

When we hear the phrase “Estate Planning” we often think it’s more of a concern for the wealthy… or something we don’t have to worry about for many years.  But realistically, estate planning is a collective function that we should consider throughout our lives.  After all, we don’t know “when” our number is up…    I’ve heard stories of individuals taking out insurance policies, and within days of the policy being active, or just after it has become active, they die in a car accident or meet a similar fate.  In either case, estate planning takes on new relevance for the families and survivors.  So does the need for insurance!当我们听到一句“地产规划” ，我们常常认为这是更值得关注，为富裕… …或一些我们不须担心多年，但实际上，遗产规划是一项集体的功能，我们应该考虑整个我们的生活。毕竟，我们不知道“时， ”我们的人数是最多… …我听说过的故事，个人买保险的政策，并在数天内该政策正在积极的，或者只是后，它已成为活跃，他们模具在一次车祸中或满足同样的命运。在这两种情况下，地产规划，需要对新的相关性，为家庭和幸存者，因此，是否需要保险！

What concerns are paramount for estate planning?  For most of us, a Will is the primary requirement.  The will should be pertinent to where you live, ie your domicile or State of permanent residence.  This is usually where you have your driver’s license, vote, pay taxes, etc.  If one dies without a will, then the state considers them to be “intestate” or “dying without a will or testament.”  What does that do?  I means the State will administer probate without regard to your final wishes, and distribute your estate according to State law, which means family or relatives will receive whatever the State’s laws say they should receive.  What if you have no living relatives?  Then you may have given the State everything you have by default.  A will is important… it helps decide “who gets what” and how things should be distributed.  Along with a will, could be a Letter of Final Instruction where you may make “bequests” of money or property, state your burial wishes and say anything else you think appropriate at that time to friends and relatives.  Not a bad idea.什么关注的是至高无上的地产规划？对我们大多数人，将是首要的要求。意愿，应有关您的居住地点，即您的住所或国家永久居住地，这是通常情况下您的驾照，投票，照章纳税等，如果一去世，没有一个会，那么该国认为他们是“ intestate ”或“死无意愿或遗书。 ”这代表了什么做的呢？我是指国家将无遗嘱认证管理方面您的最终愿望，并分发你的遗产，按照国家的法律，这意味着家庭或亲属会收到什么国家法律的说，他们应该得到什么，如果你没有生活的亲属，那么您可能已经给国家，一切由你默认。意愿是很重要的… …它有助于决定“谁得到什么”和如何的东西，应发给，随着一会，可能是一个信的最后指示，您可能会作出“遗赠”的金钱或财产，国家的意愿，您的殓葬费并说任何话，否则，你认为在适当的时间，朋友和亲戚。并不是一个坏主意。

What about Probate?  Well Probate is the legal administrative function of the courts in a given State to certify a Will and distribute assets.  Sometimes this can be a lengthy process, and expensive.  Many people go to great lengths to avoid probate because they want their estate to be settled quickly and with the least hassle.  A Living Trust can be used avoid probate by transferring assets into the trust.什么遗嘱？以及遗嘱是法律的行政职能，法院在一个特定国家，以证明一会，并派发资产，有时这可能是一个漫长的过程，和昂贵的，很多人到伟大的长度，以避免遗嘱认证，因为他们希望他们的地产得到解决，迅速和最不发达国家的麻烦。谋生的信任，可以用来避免遗嘱认证，由转让的资产转入该信托。

How else can we structure our accounts and property in a simple manner?  Lots of folks like to use “Pay on Death” or “POD” for bank accounts, and “Transfer on Death” or “TOD” for other accounts like brokerage or mutual fund accounts.  This enables the account to transfer immediately to the named individual(s) that are cited.  Insurance is not a problem, and avoids probate because it has a beneficiary designation.  IRA’s can also have a beneficiary designation, which is an excellent idea.  When was the last time you updated your beneficiary designations on your IRA or insurance policies?   In some states you can even avoid probate through the use of ”Transfer on Death” for automobiles and “Beneficiary Deeds” for real estate.否则，如何可以，我们的结构我们的帐户和财产在一个简单的方式呢？很多乡亲一样，使用“支付的死亡”或“吊舱”的银行户口，和“转移对死亡”或“ tod ”其他帐户一样，经纪或相互基金帐目，这使该帐户转移立即向指定的个人（ ）篇。保险是不是一个问题，避免遗嘱认证，因为它有一个受益人的指定。爱尔兰共和军的也可以有一个受益人的指定，这是一良好的想法。时，是您最后一次更新您的受益人的名称在您的爱尔兰共和军或保险的政策？在一些国家，你甚至可以避免遗嘱认证通过使用“转移对死亡的”汽车和“受益人的事迹”为房地产。

Sometimes people decide just to put a relative or friend as “Joint” on their account so they don’t have to worry about it… if they die, the account is already in the other person’s name and “Joint with Survivorship” applies, meaning the survivor is the full owner of the account.  That can be problematic though, especially for larger values of money or property.  If you make someone, outside of marriage, a Joint account holder, you may be making a taxable gift to them.  Also, once someone becomes a Joint account holder or owner, that account or property can be subject to the reach of their creditors.  Choose carefully if you are doing this.   Problems can be far reaching… consider the married couple with children.  If they accumulate substantial assets during marriage and one spouse dies, let’s say the other spouse inherits and receives all the assets from the marriage.  Naturally this couple wanted to provide for their children one day, and worked hard to get there.  Now lets say the surviving spouse re-marries, and re-titles everything as “Joint” with the new spouse.  Okay… that’s not abnormal.  They have children as well, but one day the original surviving spouse passes away, leaving everything to the spouse from the second marriage.  That may be fine, or it may not…  what if that spouse decides not to provide for or give anything to the original children, especially when they are older?  In some cases, original family members may be left out of any possible inheritance or assistance from enormous assets that originally came from their parents!  That’s one example of why estate planning is important, especially as we accrue assets and property throughout our lives.  There are many other issues such as divorce and taxation that are important to consider.有时，人们决定，只是提出一个亲戚或朋友，作为“联合”对他们的帐户，让他们不用担心它… …如果他们死了，该帐户已在其他人的姓名和“联合与存活”适用，意思是幸存者是全面帐户所有者，这可能会产生问题，虽然，尤其是对于较大的价值观的金钱或财产，如果你使某人，以外的婚姻，一个联合帐户持有人，您可能会作出应税礼物给他们此外，一旦有人成为一个联合帐户持有人或所有人，该帐户或财产可以受到触及他们的债权人。小心选择如果你是这样做的。问题是可以影响深远…考虑的夫妇，子女，如果他们积累大量资产在婚姻存续期间与配偶一方死亡，让我们说，其他的配偶继承和收到的所有资产从该婚姻。自然，这夫妇想为他们提供儿童的一天，努力取得有，现在让说未亡配偶重新结婚，并且重新职称的一切作为“联合”与新的配偶。好了…这不是不正常的，他们有子女，以及，但一天原来的未亡配偶去世，留下一切的配偶从第二次婚姻，这可能会被罚款，也可能不会… …什么，如果配偶决定不提供或给予任何原有的儿童，尤其是当他们老年人呢？在某些情况下，原来的家庭成员可能会被排除在任何可能继承或援助，从庞大的资产，原来是来自他们的父母！的一个例子，为什么地产的规划是非常重要的，尤其是作为我们累积的资产和财产在整个我们的生活。还有很多其他的问题，如离婚和税收是重要的考虑。

More formally, estate planning may involve the Financial Planner, Estate Planning Attorney, CPA and Trust Officer if there is one.  The client is kind of like the Director, and the professionals fulfill the direction of the client.  Often, the Financial Planner is the person the client is seeing for guidance, and will refer the client to other professionals as required.  A good Financial Planner can help look at the whole picture of your estate and financial matters, providing a holistic plan that meets both your financial goals during life and in retirement, as well as assisting with planning for after your death.更正式地，遗产规划可能涉及的财务规划，遗产规划律师，注册会计师和信任的人员，如果有1 。客户端是种一样，导演，和专业人士完成的方向，客户端。很多时候，财务规划是客户端的人是看到为指导，并会转介客户到其他专业人士的要求。良好的财务规划可以帮助看看全貌您的地产和财务事项，提供了一个全面的计划，能够满足您的财务目标，在生活和在退休，以及协助规划后，您的死因。

Some of the critical functions of estate planning involve tax considerations, trust integration, beneficiary structure and how insurance can be used to help survivors, as well as offset estate taxation upon your death.    For 2007 the Unified Credit for estate and gift taxation provides a $2,000,000 exemption.  That means most of us do not have to worry about estate taxes.  But often we are surprised at how things add up.  When you consider your home and personal property, insurance proceeds, investment real estate, stocks, bonds, etc. it can add up quickly pushing your Gross Estate pretty high.   If you are anywhere close to this number, it may be time to see your Financial Planner.  Of course seeing a Financial Planner is a pretty good idea anyway. It’s never too late to start!一些关键的功能，遗产规划涉及税的考虑，信托融合，受益人的结构和如何保险可以用来帮助幸存者，以及抵消了地产税收后，您的死因。 2007年统一的信贷遗产及赠与税收提供了一个二〇 〇 〇 〇 〇 〇美元豁免，即我们大多数人不须担心地产税，但我们常常感到惊讶的东西，如何增加。当你考虑您的家庭和个人财产，保险收益，投资房地产，股票，债券，等等。最多可新增快速推进您的地产总值相当高。如果您是在任何地方接近这个数字，可能是时间看到您的财务规划。当然，看到一个财务规划是一个不错的主意，无论如何，它的未为晚也开始！