j****3
发帖数: 682 | 1 首先，我指的财产是房产这些，不包括401K,人身保险这些，因为后者可以自己写上
beneficiary和比例。
好像美国的法律规定是，配偶一方遇难后，财产归另一半和孩子所有，那不就是房产这
一部分将100%给配偶和孩子了,而自己的父母将一分都拿不到？然后全凭活着的一半的良心？
美国人可以理解，因为在美国，父母都不靠孩子养老，但中国或者是像我们这样生活在
美国的中国人，家里的老人是要按中国的风俗来啊。
这个问题只是由wang的事件想起，不是特指这个case.
大家来说说吧 | m****s
发帖数: 7397 | 2 if the parents are not in the will, they get nothing.
but then, after all the liquidation, legal cost, taxation and fee, in the
end, there will be a tiny tiny tiny fund, in the boy's name. WHOEVER becomes
his legal guardian, will have access to the fund. Li is alive, so she can
help set up the limits and other particulars of this custodian pool.
but then again, It is going to be very hard to sell this house. legal fees
most likely will wipe out every penny.
This boy will be in a very poor condition.
的良心？
【在 j****3 的大作中提到】
: 首先，我指的财产是房产这些，不包括401K,人身保险这些，因为后者可以自己写上
: beneficiary和比例。
: 好像美国的法律规定是，配偶一方遇难后，财产归另一半和孩子所有，那不就是房产这
: 一部分将100%给配偶和孩子了,而自己的父母将一分都拿不到？然后全凭活着的一半的良心？
: 美国人可以理解，因为在美国，父母都不靠孩子养老，但中国或者是像我们这样生活在
: 美国的中国人，家里的老人是要按中国的风俗来啊。
: 这个问题只是由wang的事件想起，不是特指这个case.
: 大家来说说吧
| J*G
发帖数: 6489 | 3 首先要看房子的title上怎么写的，如果有spousal survivorship，房子就归配偶所有。
如果没有，那就是joint tenancy without survivorship。王和李一人一半，王死后，
他的那一半按照遗产分，李和孩子各得一份。
但是如果李被定罪谋杀王致死，在有些州，李就不能再继承王的遗产了。不知道新泽西
的州法有没有这个规定。如果是这样，就归孩子了。
父母基本拿不到什么，除非王立了遗嘱。 | j****3
发帖数: 682 | 4 谢谢楼上两位，学习了。
刚刚和一美国人聊了一下，房产这个问题要考虑两种基本情况，一种是房子已经付清了
，还有一种情况是没有付清的情况。
中国人生前写遗嘱的不多吧。看来有父母要养的，要在401K和人身保险这方面稍稍为自
己的父母考虑一下，以防不测。
有。
【在 J*G 的大作中提到】
: 首先要看房子的title上怎么写的，如果有spousal survivorship，房子就归配偶所有。
: 如果没有，那就是joint tenancy without survivorship。王和李一人一半，王死后，
: 他的那一半按照遗产分，李和孩子各得一份。
: 但是如果李被定罪谋杀王致死，在有些州，李就不能再继承王的遗产了。不知道新泽西
: 的州法有没有这个规定。如果是这样，就归孩子了。
: 父母基本拿不到什么，除非王立了遗嘱。
| z****l
发帖数: 5282 | 5 Issac经济情况不会太悲观。
kid和guardian可以从social security拿survivor benefit
每个月合计3000美刀左右，
至少衣食无忧。
becomes
产这
活在
【在 m****s 的大作中提到】
: if the parents are not in the will, they get nothing.
: but then, after all the liquidation, legal cost, taxation and fee, in the
: end, there will be a tiny tiny tiny fund, in the boy's name. WHOEVER becomes
: his legal guardian, will have access to the fund. Li is alive, so she can
: help set up the limits and other particulars of this custodian pool.
: but then again, It is going to be very hard to sell this house. legal fees
: most likely will wipe out every penny.
: This boy will be in a very poor condition.
:
: 的良心？
| m****s
发帖数: 7397 | 6 that's a good point, 方博士!
as far as "每个月合计3000美刀左右,..经济情况不会太悲观。" goes...
这个。。。看每个人的底线了。
【在 z****l 的大作中提到】
: Issac经济情况不会太悲观。
: kid和guardian可以从social security拿survivor benefit
: 每个月合计3000美刀左右，
: 至少衣食无忧。
:
: becomes
: 产这
: 活在
| z****l
发帖数: 5282 | 7 没工作的配偶最好生1-2个孩子，
相当于买保险。
【在 m****s 的大作中提到】
: that's a good point, 方博士!
: as far as "每个月合计3000美刀左右,..经济情况不会太悲观。" goes...
: 这个。。。看每个人的底线了。
| d*****j
发帖数: 1192 | 8 401k legally goes to spouse until the spouse signs a waiver.
【在 j****3 的大作中提到】
: 谢谢楼上两位，学习了。
: 刚刚和一美国人聊了一下，房产这个问题要考虑两种基本情况，一种是房子已经付清了
: ，还有一种情况是没有付清的情况。
: 中国人生前写遗嘱的不多吧。看来有父母要养的，要在401K和人身保险这方面稍稍为自
: 己的父母考虑一下，以防不测。
:
: 有。
| m****s
发帖数: 7397 | 9 i don't mean to be rude,
but majority of 美国人 knows shit.
hehe...还 “ 两种基本情况..一种是房子已经付清了 ，还有一种情况是没有付清的情
况。“
哈哈
regardless how big the mortgage is (from 0, to 120% House Value), the house
needs to be sold to turn their equity into cash.
in this particular case, even a lien-free clean title, won't help SELLing
the property, while as a bank may in fact have more resource to get the deal
done.
It's pretty much one case and one 统一战线。。。to push out the house.
Granted, the bank cares little about extracting the couple's equity while
pricing the house for the market, their parameters center around the loan
value. but the couple, or whatever is left of it, faces a deadly illiquid
housing market, holds a deadly house.
【在 j****3 的大作中提到】
: 谢谢楼上两位，学习了。
: 刚刚和一美国人聊了一下，房产这个问题要考虑两种基本情况，一种是房子已经付清了
: ，还有一种情况是没有付清的情况。
: 中国人生前写遗嘱的不多吧。看来有父母要养的，要在401K和人身保险这方面稍稍为自
: 己的父母考虑一下，以防不测。
:
: 有。
| d*****j
发帖数: 1192 | 10 I didn't know Social Security could pay for the guardian.
I have my social security statement in front me, it says -
You have earned enough credits for your family to receive survivors benefits
. If you die this year, certain members of your family may qualify for the
following benefits:
your child 1,700 a month
your spouse who is caring for your child 1,700 a month
Nowhere says that the guardian is eligible for the survivor benefit.
Since the mother is still alive, if anything, the child will get survivor
benefit from Wang's side. But Wang didn't graduate from UPenn until 2002, so
he may not have earned enough credits for his family to receive benefits.
【在 z****l 的大作中提到】
: Issac经济情况不会太悲观。
: kid和guardian可以从social security拿survivor benefit
: 每个月合计3000美刀左右，
: 至少衣食无忧。
:
: becomes
: 产这
: 活在
| z****l
发帖数: 5282 | 11 survivor benefit不需要等10年
kindly go to ssa.gov to check it out.
benefits
so
【在 d*****j 的大作中提到】
: I didn't know Social Security could pay for the guardian.
: I have my social security statement in front me, it says -
: You have earned enough credits for your family to receive survivors benefits
: . If you die this year, certain members of your family may qualify for the
: following benefits:
: your child 1,700 a month
: your spouse who is caring for your child 1,700 a month
: Nowhere says that the guardian is eligible for the survivor benefit.
: Since the mother is still alive, if anything, the child will get survivor
: benefit from Wang's side. But Wang didn't graduate from UPenn until 2002, so
| j****3
发帖数: 682 | 12 不对吧？我的Vanguard的beneficiary全是我自己designate的
【在 d*****j 的大作中提到】
: 401k legally goes to spouse until the spouse signs a waiver.
| d*****j
发帖数: 1192 | 13 If You Are Married
If you are married, federal law says your spouse is automatically the
beneficiary of your 401k or other pension plan - period. You should still
fill out the beneficiary form with your spouse's name, for the record.
If you want to name a beneficiary who is someone other than your spouse,
your spouse must sign a waiver. The waiver MUST be in writing.
For example, you might be separated from your spouse - not divorced - and
want to name a new beneficiary. Even if your intended beneficiary is a
domestic partner you've been with for 20 years, your spouse will have legal
claim to your 401k if you die, unless he or she signs a waiver.
http://www.401khelpcenter.com/mpower/feature_1beneficiary.html
【在 j****3 的大作中提到】
: 不对吧？我的Vanguard的beneficiary全是我自己designate的
| rh
发帖数: 3901 | 14 可以自己替spouse签一个waiver
【在 d*****j 的大作中提到】
: If You Are Married
: If you are married, federal law says your spouse is automatically the
: beneficiary of your 401k or other pension plan - period. You should still
: fill out the beneficiary form with your spouse's name, for the record.
: If you want to name a beneficiary who is someone other than your spouse,
: your spouse must sign a waiver. The waiver MUST be in writing.
: For example, you might be separated from your spouse - not divorced - and
: want to name a new beneficiary. Even if your intended beneficiary is a
: domestic partner you've been with for 20 years, your spouse will have legal
: claim to your 401k if you die, unless he or she signs a waiver.
|
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