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How to protect your wealth after divorce
HOUSING INVOLVES MONEY, TIME AND EFFORT. THIS IS WHAT YOU SHOULD TAKE INTO ACCOUNT FOR YOUR PROPERTY TO REMAIN YOURS.
Your wealth is the reflection of your lifetime work effort: it can be a house, a car, savings or all of the above. Without a doubt, having them has meant work, sacrifice and good financial planning. Therefore, when you divorce you must rearrange these assets.
Keep your marital status and assets in order
The first step, if you are legally married, is to go through the divorce process. There are many couples who only separate and leave this process for later. That is a serious mistake, because you do not know what could happen in the future and – in the event of an unfortunate event like your death – your ex-partner could claim your assets as a beneficiary.
SkyMarketing strives to be Pakistan’s biggest real estate developer ever, guaranteeing the highest international standards, prompt execution, and lifetime customer loyalty. With projects like Tajarat.
Another important aspect is the will. Most people have the belief that this procedure should be done when you are an older adult and nothing is more wrong than that. The will is made from the moment you have patrimonial assets.
The seriousness of the problem is indicated by the figures since, according to the College of Notaries of Mexico City, seven out of 10 Mexicans die intestate. This means that, in the event of death, for the families of 70% of the population, it will not be clear who will have the right to take possession of the belongings of the missing person.
What should you reorder?
- Mortgage . The monthly payment of any credit of this type includes the payment for the life insurance of its holder. This means that, in the event of death, the debt will be canceled. File in a folder the documentation corresponding to this financing, as well as the data of the beneficiaries of the real estate and life insurance. Take into account that, in the case of Infonavit , upon dying intestate, the person who has the right to cancel the credit and claim the home will be the beneficiary designated by the holder of the credit before the IMSS, or whoever is designated by the Federal Board of Conciliation and Arbitration.
- IMSS or ISSSTE, Afore, bank accounts and life insurance . The beneficiaries of the balance of your Afore can be your partner, parents and children up to the age of 16 years or, 25 years, if they can demonstrate that they continue their studies. It is important that you keep your list of beneficiaries and their respective percentages updated. Well, in the event of the owner’s death, they will receive this savings and could be entitled to a pension.
Remember, the family members that the Social Security Law recognizes as beneficiaries are: your wife, husband or partner; children under 16 years of age or, in the case of the disabled, chronically ill or students up to the age of 25. The parents of the deceased worker will also have the right to claim the pension savings, provided that they are financial dependents of the latter.
- Automotive credit . It is likely that in this credit you are also paying for life insurance. Ask your advisor to review who you left as a beneficiary, as it will be the person who can also legally claim the car.
- Savings, payroll and investment accounts . The institution with whom you have contracted these services will deliver, after verification by means of a death certificate, the balances to the indicated holders. Payroll portability, ignorance or lack of foresight makes many people forget to update their beneficiaries.
If you separated from your partner and you want your beneficiaries to be your minor children, then it is recommended that, together with the change of beneficiaries, you also have a will where a legal guardian is appointed, who can administer the funds through a trust. Otherwise, your ex-partner and his future family could end up in charge of his administration.
Do not forget to inform your beneficiaries of what they can have access to in case you are absent. We all hope to live forever, but it is not possible, so it is better to leave clear accounts and well-identified beneficiaries behind us, instead of a series of lawsuits, endless procedures, expenses in lawyers and managers that will exhaust the assets that we achieve. train in life.
By: Karla Bayly , Financial Coaching Specialist. Follow her!
Resources:
Real Estate Sales Techniques – The kano model
How to create My Infonavit Account: step by step
Fovissste procedures online that you can do from home
How to choose the best location for my home
FROM YOUR LIKES TO THE NEEDS OF THE PEOPLE WHO WILL LIVE WITH YOU. KNOW HERE THE DETAILS YOU SHOULD CONSIDER.
One of the most important elements when buying a home is that it has a location that is convenient for your daily life and for those who will live with you. You may consider that a house near green areas is ideal for you just because you love to take walks in the afternoon, or you think it is enough to buy a house near your work because you hate the traffic in the morning, but, when choosing the location your home, this is not the only thing you should consider.
The following guide will help you with the selection process, so take note!
How to buy a house with a good location?
- Think about the area you would like to live in
- Search the houses for sale in the sector
- Analyze the environment and your daily routine
- Find out about the safety of the area
- Take goodwill into account
Think about the area you would like to live in
Before you start looking for a house to buy, think about the area where it would best suit you to live according to your preferences or your daily activities. You probably want to live close to your work to get there every day on time, avoid traffic, and save yourself time wasted on commuting. If you have children, maybe a middle point between this and their school is better for you, or you may simply prefer an area free of noise. Everything will always depend on your needs, although you should not forget to consider your budget when choosing the area, since the location also influences the cost of the home.
SkyMarketing strives to be Pakistan’s biggest real estate developer ever, guaranteeing the highest international standards, prompt execution, and lifetime customer loyalty. With projects like Tajarat.
Search the houses for sale in the area
Once you have decided on the area where you would like to live, it is time to start the search for your new home. To facilitate this step, we recommend you search through a real estate portal , it will help you close your search, giving you only the options of homes for sale that are in the area you chose.
Analyze the environment and your daily routine
When you already have a home option that you would like to buy, you should know the environment in which it is located. Look at the establishments that surround it, if it has nearby pharmacies, shops, restaurants, or whatever is of interest to you for your daily life. If you have several house options, you should analyze and compare the environment of each one and based on this, choose the best option.
Find out about the safety of the area
Before buying a home, you will need to make sure that this is the ideal place to live. Find out how safe that area is, if it is a quiet place to live, or if there have been incidents that should alarm you. For this you can approach people who live in the area or employees of the establishments that surround the house and ask them questions about the subject.
Take goodwill into account
Another factor of great importance and that you cannot forget to take into account, is to know about the capital gain of your property. As you know, the location greatly influences the value of a property, so you are probably interested in protecting your investment. Find out if there are possible urban projects in the area that can help increase the value of your property in the future.
Don’t forget that location is just one of the steps to buying a home. If you are convinced that this is the place where you want to live, now it’s time to know if the house has the right price or not and how you can negotiate it .
Resources:
How much is paid for this tax?
What documents do I need to buy a house?
Infonavit returns money How much is your turn?
Real Estate Sales Techniques: How to Close a Real Estate Sale
Property sale process: Steps to follow to sell
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Influential experts for the formal presentations and panel discussion worked with the event production company to embed the theme in all aspects of the event. Speakers included Betsy Rosenberg, the host and producer of the radio show EcoTalk; John Dickman, Google’s global food service manager, discussing the rewards and challenges of serving local, sustainably-grown food in their seventeen cafés; and Georgia Malki, president of SevenStar, the company charged with greening Al Gore’s worldwide Live Earth concerts.
Carolyn Brown founded GreenWave Strategies to help shift the cultural paradigm and dominant practices toward sustainability through a combination of business strategies, communications and marketing.
The highlight of the evening was a spin on the traditional swag bag. Instead of plying attendees with useless trashy gifts, we received recycled shopping bags with super cool Sigg bottles—and then got to fill the bags with fresh produce from a “farm stand” set up by farmers in the Fairmont restaurant. Attendees left feeling happy and inspired by their newfound conscious business sensibilities.
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A Weekend to Remember
On the beautiful Autumn weekend of Oct. 19, 20 and 21, a group of likeminded people came together at the Marin Center in San Rafael for the 2007 Bioneers Conference. Bursting with energy and ideas focused on making positive changes in our environment and communities, Bioneers brought together visionaries and activists, scientists and yogis, artists and economists, architects and gardeners, farmers and journalists, and policymakers and citizens with the hopes of supporting one another and the movement toward preserving life on Earth and check this Drop Pants
Kenny Ausubel and Nina Simons, founders and co-producers of Bioneers, kicked off the event, followed by three days filled with positive discussions, examples and ideas. Friday night was a celebration of films and their makers who produce art in order to make the country a better place. Saturday evening’s speaker was astrologer Caroline Casey, creator of The Visionary Activist Show on Pacifica Radio stations (KPFA), followed by live drumming and dancing. It was a weekend that will be forever remembered by all who attended, and hopefully a weekend that will aid in the restoration of health to our beautiful planet.
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Raw Food Real World
By Matthew Kenney & Sarma Melngailis
Reviewed by Kate Linville
Raw Food Real World is a guide to delicious raw creations. From creamy carrot ginger soup to zucchini and tomato lasagna with pignoli ricotta and basil pistachio pesto to dark chocolate ganache tart with vanilla cream, going raw definitely doesn’t have to mean going hungry.
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Although a raw lifestyle rich with organic produce can take a toll on the pocketbook, the authors provide plenty of reasons to hand in chemically induced, standard produce for organics rich in nutrients and vitamins. Presenting a number of delicious raw recipes such as asparagus and porcini ravioli, soft corn tortillas filled with spicy fixings and tomato tartar with green mango relish and macadamia nut milk, readers are exposed to the numerous ways a raw lifestyle can accommodate any craving. The book is brimming with colorful photographs that bring the food to life, inspiring a healthy kitchen and mouth-watering entertainment ideas. Dazzle friends and family by bringing a hearty, raw creation to your holiday gathering.
Harper Collins – $34.95
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