刷貼文 賺寶石

Happy 115th National Day to Taiwan!

After he calmed down a bit, I said to him, "Perhaps your father thought you were still young and worried about you facing risks; or maybe he wanted to maintain some sense of security for himself. We can't definitively say what his true intentions were. However, these current matters might become an opportunity for you and your sisters to reconnect. Even after parents pass, siblings can still have a chance to talk and rebuild their relationship." Ah-jang was silent for a moment, then said, "Since things have come to this, I'll go see my eldest sister next week. We haven't seen each other in three months since the funeral. I hope they won't make things too difficult for me; if possible, I'm willing to share some with them." Watching Ah-jang leave, I thought: This remaining property might not just be an inheritance to deal with, but could also be a starting point for the family to sit down and talk again. When it comes to insurance, you first need to clearly understand three roles: the policy owner, the insured, and the beneficiary. The policy owner is typically the one who exercises the rights of the insurance contract. If parents are the policy owners and their children are the insured, the accumulated value of the policy may still be considered the parents' property. When declaring inheritance, the policy value should be confirmed according to the policy's status and relevant regulations, not just based on who the insured is. Advance registration also requires looking at the registration details and the reasons for it. When elders use advance registration to secure property rights, they should also consider how the rights will be inherited after the rights holder's death, who will cooperate in handling it, and the procedural issues that may arise later when canceling or disposing of the property. Understanding the arrangements for rights related to insurance policies and real estate in advance can reduce future misunderstandings among family members and allow the property to truly serve its purpose of care and inheritance.

Ah-Chang asked in disbelief, "So these nine insurance policies, worth nearly five million yuan, also count as my father's inheritance? Do I still need to involve my two sisters to handle this?" This was a huge gap from his understanding over the years. He had always thought that when his father said, "The insurance is for you," the policies were entirely his. What made it even more difficult was that he didn't interact much with his sisters, and his relationship with one of them wasn't very good. He said with some anger, "They never took care of Dad. My wife and I took care of Dad, and I paid for all the subsequent expenses." However, he soon discovered something else that shocked him. More than a decade ago, when his father gifted the old house to Ah-Chang, a "pre-registration" (預告登記) was set up on the property. Ah-Chang wasn't involved in the process back then; his father had a local scrivener handle it. I told him that a pre-registration is a registration used to secure specific real estate rights. After his father's death, how these rights involved in the registration would be inherited, whether they could be canceled, and who would need to cooperate, all depended on the registration details and the original cause document. If it needs to be jointly handled by the heirs, and his sisters are unwilling to cooperate, it could indeed create difficulties when selling the house, setting up a mortgage, or making other dispositions in the future. Ah-Chang lowered his head and said dejectedly, "I always thought what my father gave me was complete. Why do I now have to discuss it with others? Does he not trust me? Why did he guard against me like this?" After a moment, he gave a wry smile and said, "I thought the assets were already in my hands, but there are so many things to deal with. Did my father 'set me up' (先人跳)? Why didn't Dad explain it clearly to me..."

Last month, A-Chang came to the office with his father's inheritance documents. His mother passed away early, and his father's greatest regret was not living to see A-Chang get married and have children. A-Chang has an elder sister who is married and rarely visits, and a younger sister who is almost fifty and still unmarried. A-Chang is from Pingtung and worked with his father in the market for thirty years. As the only son, his father doted on him. Early on, his father transferred the family's townhouse to him and also bought him quite a few insurance policies. His father often said, "You're my only son, who else would I dote on? I want you to do well in business, get married, have children, and let me hold my grandchildren." Later, A-Chang married a Vietnamese wife. His wife diligently helped him at the market, their business flourished, and they had two children. His father watched with great satisfaction. After his father passed away, he left behind a market stall and a piece of farmland. When A-Chang came to handle the inheritance with the asset list and financial inheritance documents, I saw nine insurance policies listed: the policy owner was the father, and the insured person was A-Chang. I paused and asked him, "You just said the insurance your father bought is under your name. Do you know if 'under your name' here refers to the insured person or the policy owner?" A-Chang froze. I explained to him that the policy owner for these policies was the father, and the accumulated value of the policies might be part of his father's estate and must be included in the inheritance inventory. As for changing the policy owner and how to proceed, it needs to be confirmed one by one according to the policy details, value, and inheritance procedures. Being the insured person doesn't mean the policies are already A-Chang's property.

45-year-old cute baby with a youthful vibe

Let me tell you a story about something super chaotic and nonsensical where the logic got all messed up... When you open an old Gemini conversation, you'll see a line at the very bottom that says 'Gemini is an AI, and sometimes it might get things wrong.' Given that humans also get things wrong a lot of the time, I've reached the conclusion that: Humans are AI. (Ouch!) 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

Lu Chen and Xu Nian, childhood friends, ran a cozy chain of coffee shops together. However, on a stormy night, Lu Chen accidentally hit a pedestrian while driving. As Lu Chen panicked in despair, Xu Nian arrived at the scene, pushed him away, scolding him, and took the driver's seat herself. The next day, however, Xu Nian reported to the police that Lu Chen had fled the scene after a drunk driving accident. She then provided false testimony in court, leading to Lu Chen being sentenced to a heavy prison term. Heartbroken, Lu Chen endured years in prison, gritting his teeth with hatred and humiliation. After his release, Lu Chen, fueled by a fierce determination not to be defeated, worked tirelessly and became the founder of a catering group in just a few years. But just as he was preparing to 'take revenge' on Xu Nian, a sudden eye condition left him blind. Fortunately, the hospital soon found a suitable cornea donor, and the surgery was a success. Upon recovery, Lu Chen arrogantly sought out Xu Nian, wanting the former 'vixen' to see his current achievements. Instead, he found Xu Nian's tombstone in an old cemetery. The truth dawned on him instantly: it was Xu Nian who was terminally ill and had limited time left. Xu Nian knew that the victim's family had powerful connections, and if she died, the debts would ruin Lu Chen's life completely. Xu Nian staged the 'accusation' to take the blame, used her remaining savings to arrange business courses for Lu Chen in prison, and donated her cornea before her death. Lu Chen collapsed before the tombstone, touching his newly sighted eyes, already sobbing uncontrollably.

My friends always talk about their love stories, and it makes me want to experience one too. Although I don't really have opportunities to meet people of the opposite sex... I'm really curious about how I'll start a relationship and what kind of story will unfold.

It's been 4 days! Slowly counting the days. No time quests, no action quests, With nothing, I can only slowly wait it out...🙄🙄🙄