Family Action Plan :)

salam

It has been sometime since I share something beneficial :D. Remember I talked about wasiah shoppe before? Allow me to share a bit more.

Do you know if you dont have a son, partial of your husband's asset will go to his siblings (if you dont have any wasiat /will)? It is part of Faraed distribution. Tujuannya baik, bersebab, maybe if our husband dies first, the next strong man in his family will take charge and take care of us. InsyaAllah, bersangka baik lah pada saudara kita kan.
But MONEY MAN... :), land and houses. Ada antara kita boleh rabun mata dan gelap hati and put responsibility aside - down to the drain :). Yes orang cakap money is not everything biar pi lah, esok mati dia jawab but.... BUT we are not dead yet - we are alive and we need money, kita kena besarkan anak anak, food and education and in fact these days,  we NEED money for EVERYTHING. Rumah dan kereta nak kena sambung bayar, sekolah nak kena pergi, and so on.

A case in point is my SIL. I think that a main concern to any housewife (at all) is when we lose the only person that we depend on financially ( IF  we do not have any other financial source), losing the main breadwinner of a family. Life is hard. Semua kemungkinan boleh terjadi because life is full with uncertainty.

So I am happy that my SIL finally draws up her family wasiat (will). Her main concern is of course that all her children are girls and she is a full-time housewife, his husband works offshore, bergadai nyawa di tengah lautan dan pergi bekerja berminggu minggu. Without any boy in the house, his husband does not have any "waris".

I recommeded my  biras wasiah shope (WS) and they (WS people) come all the way from Eastern office in Temerloh to his house in Kemaman. A consultancy to understand how asset are best distributed in case of death of a  husband or a father was given freely.

Hibah was proposed instead of pembahagian mutlak - (hibah is hadiah kepada anak atau bukan anak atau kepada sesiapa yang tiada pertalian darah daging)  - because according to WS, since they do not have any son, waris lain ada hak (adik beradik Husband) dan boleh menuntut hak mereka setelah kematian yang punya harta.
They can fight in syariah court if they do not agree to the earlier distribution. Meaning, if  si mati does not have a son, the next waris to the decease (siblings) can fight for that right under Faraed law. But in case of  hibah, it is much more stronger than pembahagian suka rela oleh oleh si punya harta. Once you declare it as "Hibah"/hadiah, it is the recipient gift and nobody else has any right on that particular asset or saving.

walau saya ada anak lelaki, saya mahu semua dapat bahagian sama rata juga because kasih sayang saya sama banyak :) hmm macam lah cik erma ada harta banyak kan :)

Bukan kita tamak, tak nak bagi mak bapak, adik kakak, atuk nenek :) harta kita, it is just that we want to make sure all our children are taken care of, first and foremost (sebab mereka masih kecil kecil). Boleh, ada lebih, jangan lupa mak ayah, letak sekali dalam wasiat, ada lebih lagi bagi pula pada adik perempuan kita yang kurang bernasib baik and so on.

Hmm, maybe anda akan berkata, "saya tiada harta erma :)). How about your savings books, asb, unit trust, insurance, EPF, the house you are currently paying  etc etc. You can consolidate all that and make a wasiat. Worry free, please, even when our children are all grown up, they have no right on those money and asset as long as we are still alive. They wont throw us out :)  -banyak orang tua dan separuh tua like us :), takut harta that they work so hard for hilang dibelanjakan and kita tua dalam kemiskinan dan kemelaratan)

Remember, tanpa wasiat dan sepakat antara waris, Faraed law will be applied. Apart from the example above (family with no waris lelaki),
Faraed seems a bit complicated when it involves many waris, sebidang tanah ada 10 nama with each sharing sekangkang kera. But if waris sepakat, they can always opt for "takharuj/muafakat". I give sipolan A this land, so I take the other land, and you, my sister take the house etc, etc. Alhamdulillah if ada kata sepakat. But mana kita nak tahukan in future kita kita macam mana :).
So let is discuss with our hubby. Subtle and diplomatic way of course, to make sure our husband understands that kita bukan gilakan harta dia :).
And we ourselves (if banyak harta) must do a separate will as well. DO you know that if you die (and you have no will/wasiat), all your assets becomes your husband and if he remarry and have other children, all of them has right on portion of your harta  under Faread law? :)

And remember also, penama (in any epf, saving book etc) is not automatically "wasiat". Most probabaly they are penjaga amanah and distribution will follow faraed law in case no wasiat is drawn.

SO again please set up your wasiah appointment - or ask for the sweet and helpful consultant Pn. Delaila. Please quote Ermayum :) ESZ.

Alamat	No. 1 Jalan 9/42, Taman Sejahtera off Jalan Kuching, 51200 Kuala Lumpur .
No. Telefon	+603 6250 9573 +603 6257 7972

Till later. Fikir fikirkan :) dengan serius :D

ps:
Nabi SAW juga galakkan kita buat wasiat. Baginda sendiri tinggalkan wasiat sapa sapa yang patut ambil alih kepimpinan negara. I read somewhere I forgot the source. 


Post ini tidak berbayar. :) Ilmu pengurusan harta pusaka the islamic way makin hilang and banyak salah faham tentang Faraed, macam hudud kak, too many misunderstanding :( - salah satu ilmu yang akan pupus ditelan zaman,  this is a fact, dalam buku ni cakap :) Mengurus harta pusaka - Wan Abdul Halim Wan Harun . Dont allow that,  let's us understand more and read more juga :)

Sila betulkan yang mana yang salah sebab saya tak pernah ambil cost syariah law ke faraed ke - semua nya dari sharing orang lain :) and my limited reading