Skip to main content

WARISAN ITU BERKAH ATAU MASALAH ?

Sebut saja namanya Fulan. Orangtua Fulan kaya raya, pengusaha suplai besi untuk beton dan pekerjaan sejenisnya. Jelas, hartanya banyak termasuk sebuah rumah megah dua lantai di sebuah Perumahan elit di Semarang. Nilai taksirannya -kata Fulan- sekitar Rp 1.5 miliar. Rumah senilai segitu di Semarang, jelas lumayan elit.

Hingga cerita ini dimulai. Alkisah orang tua Fulan meninggal dunia, meninggalkan usaha (yang belakangan Fulan tak bisa mengelola dan meneruskannya, karena tak pernah terlibat di dalamnya), dan rumah mewah itu. Karena tak lagi meneruskan usaha, membiayai rumah sebesar itu tentu menjadi beban berat bagi Fulan. Tagihan listrik bengkak luar biasa (hampir diputus) dan Fulan memutuskan untuk menjual rumah, dengan putus asa.

Persoalan timbul saat akan menjual rumah "mahal" itu adalah adanya biaya-biaya yang timbul, proses notaris, pajak jual beli, balik nama sertifikat, dan biaya lain Rumah senilai Rp 1.5 miliar butuh biaya untuk proses jual beli lebih dari Rp 100juta. Uang dari mana, listrik saja menunggak?.

Teringat Fulan, saya teringat penolakan beberapa calon klien saya saat ditawari memiliki asuransi.

Maka dalam Perencanaan Waris (Estate Planning), asuransi adalah instrumen penting. Usaha bisa diwariskan, iya. Tapi tak semua ahli waris bisa mengelola dan meneruskan usaha itu, boro-boro tambah maju, yang ada kebanyakan malah bangkrut. Rumah bisa diwariskan, iya. Tapi ternyata untuk proses "pengukuhan legalitas" nya butuh biaya yang besar, yang kadang justru membebani ahli waris. Itu mengapa dalam kasus sengketa waris, rumah warisan adalah salah satu obyek yang terbanyak disengketakan.

Maka bila kisah anda mirip orang tua Fulan, memiliki asuransi adalah salah satu cara "membantu" ahli waris anda memuluskan jalan mereka memiliki hak mereka, secara legal. Klaim asuransi jiwa adalah tunai, bebas pajak. Bisa dipakai untuk menebus warisan, misalnya tergadai atau belum lunas. Atau mungkin dipakai saat proses balik nama atau jual beli.

Jadi sekali lagi Asuransi bukan Tabungan. Asuransi adalah bagian dari "Estate Planning", perencanaan waris. Tabungan (atau sebenarnya Investasi) dalam produk asuransi adalah benefit tambahan, bukan yang utama. Yang utama adalah proteksi. Bukan proteksi Jiwa atau Nyawa, bukan... Tapi proteksi penghasilan, asset atau harta.

Semoga kita semua tak seperti orang tua Fulan, yang merasa telah mewariskan harta, namun sebenarnya mewariskan "masalah" untuk para ahli warisnya. Cukuplah kisah ini menjadi pelajaran.

Mari kita cerdas ber-Asuransi.

Comments

  1. Selamat siang semuanya,
    Jual ginjal dan Simpan hidup dan dapatkan uang, saya dokter alex dengan nama a
    seorang neughrogist
    dalam Pembelian Ginjal, Apakah Anda ingin menjual ginjal Anda untuk menyelamatkan nyawa?
    mencari kesempatan untuk menjual ginjal Anda dengan harga yang bagus sehingga Anda
    dapat membayar hutangmu? Ini adalah kesempatan bagi Anda untuk menjual ginjal Anda
    600.000,00 $ dan di atasnya. Semua donatur yang tertarik harus menghubungi tim kami
    informasi lebih lanjut melalui e-mail: dralexspeciallist@gmail.com Atau apa
    aplikasi?
    +2348162029187 Pastikan Anda tidak ragu-ragu untuk menghubungi kami sebagaimana kami mau
    Tentu pastikan kami bekerja sama dengan Anda dan juga Kami akan memastikan Anda
    senang berbisnis dengan kami

    Email: dralexspeciallist@gmail.com

    ReplyDelete
    Replies
    1. Saya ahmad hidayat,saya ingin menjual ginjal saya,untuk keperluan anak" saya..bs hub saya k no ini 081932504337 saya butuh secepatnya

      Delete
  2. Saya ingin menjual ginjal saya hub saya,untuk keperluan biaya hidup anak" saya, jika ada yg membutuhkan hub 081932504337

    ReplyDelete
  3. Hati" yaa teman-teman semua dsini, sy baru saja mengalami ,org yg ingin menipu sy, Alhamdulillah Allah masih melindungi.
    Dia memanfaatkan number yg kita share di situs web ini, singkatnya sy jelaskan ya ,Krn Sdh sy jelaskan detail, gtaunya ga bs di kirim Krn kebanyakan caracter huruf nya.😂
    Intinya org itu mengaku butuh donor ginjal utk salah satu keluarganya, dgn iming" bs memberikan kita berapapun yg kita inginkan, and tiba" org yg mau kita donorkan katanya meninggal, trus ttp ingin bantu memberikan separuh harta dr org yg meninggal itu kpd kita, katanya wasiat dr yg meninggal itu. Tp sblm dia mengirimkan bantuan itu kpd kita Dy meminta kita membelikan batu nisan utk keluarganya yg meninggal itu, dgn cara kita ngirim uangnya ke dia, lalu mrk yg membelikannya *katanya..
    Singkat cerita, saat sy meminta kirim foto keluarga nya yg meninggal itu, di kirimnya malah foto makam Julia Perez ngambil dr google. Dr situ sy berfikir dia Sdh menipu sy. Lalu langsung dia Blokir WhatsApp sy, Krn Sdh ketahuan.

    Subhanallah, astagfirullah. Hati" ya guys.
    Tks. Barakallahu fiikum.

    ReplyDelete
  4. Saya mau jual ginjal saya, 082133025672

    ReplyDelete
  5. Saya Rezky nugroho, usia 27. Saya mau jual ginjal saya, wa, 082133025672

    ReplyDelete

  6. OPPORTUNITY TO MAKE QUICK MONEY FOR KIDNEY DONORS;

    WE ARE URGENTLY IN NEED OF KIDNEY

    DONORS WITH THE SUM OF

    $500,000.00 USD, CONTACT US NOW ON

    VIA EMAIL FOR MORE

    DETAILS. +234 9075565949

    blessedkidneycare@gmail.com

    Dr.LUKE PHILIPS OF APPOLO HOSPITAL IN SPECIALIST IN
    ORGAN SURGERY FROM UNITED STATE OF AMERICA, BASE IN
    INDIA. blessedkidneycare@gmail.com

    ReplyDelete
  7. Welcome to Apollo Hospital, Specialist hospital that buy kidney.
    Do you wish to sell your kidney in exchange of money? If yes.
    Then contact today to get a reliable and good transaction.
    Contact via below information Immediately
    email: apollohospitalkidneydep@gmail.com
    WhatsApp number: +918122208392
    WhatsApp number: +6285692408306

    ReplyDelete
  8. Welcome to Apollo Hospital, Specialist hospital that buy kidney.
    Do you wish to sell your kidney in exchange of money? If yes.
    Then contact today to get a reliable and good transaction.
    Contact via below information Immediately
    email: apollohospitalkidneydep@gmail.com
    WhatsApp number: +918122208392
    WhatsApp number: +6285692408306

    ReplyDelete
  9. Welcome to Apollo Hospital, Specialist hospital that buy kidney.
    Do you wish to sell your kidney in exchange of money? If yes.
    Then contact today to get a reliable and good transaction.
    Contact via below information Immediately
    email: apollohospitalkidneydep@gmail.com
    WhatsApp number: +918122208392
    WhatsApp number: +6285692408306

    ReplyDelete
  10. URGENTLY NEEDED. Do you need cash for health care costs or paying debts or in a state of financial breakdown? Consider selling your kidney.. Contact World Health Organisation via Email : worldoffice82@gmail.com OR what'sApp me +917642912293 OR call: +917642912293 Doctor Ken Smith

    ReplyDelete
  11. URGENTLY NEEDED. Do you need cash for health care costs or paying debts or in a state of financial breakdown? Consider selling your kidney.. Contact World Health Organisation via Email : worldoffice82@gmail.com OR what'sApp me +917642912293 OR call: +917642912293 Doctor Ken Smith

    ReplyDelete
  12. Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    ReplyDelete
  13. Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    ReplyDelete
  14. Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    ReplyDelete
  15. Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    ReplyDelete
  16. Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    ReplyDelete
  17. Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +6285692408306. Email: apollohospitalkidneydep@gmail.com

    ReplyDelete
  18. Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +918122208392 Email: apollohospitalkidneydep@gmail.com



    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +918122208392 Email: apollohospitalkidneydep@gmail.com



    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +918122208392 Email: apollohospitalkidneydep@gmail.com



    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +918122208392 Email: apollohospitalkidneydep@gmail.com


    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +918122208392 Email: apollohospitalkidneydep@gmail.com



    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +918122208392 Email: apollohospitalkidneydep@gmail.com




    Kidney donor needed urgently at Apollo Hospital, we offer huge amount for one kidney only contact me via WhatsApp number: +918122208392 Email: apollohospitalkidneydep@gmail.com

    ReplyDelete
  19. Hello everyone, I am Oliver Erik Pauli a beneficiary of FRANKQUICK LOAN COMPANY..Do you think of getting a loan? Are you seriously in need of an urgent loan to start your own business? Are you in debt? frankquickloans@protonmail.com This is your chance to achieve your wish, they give personal loans, business loans and corporate loans, and all kinds of loan with interest at 2%, for more information contact them via email: frankquickloans@protonmail.com
    =====================================================================

    ReplyDelete
  20. Hello!!
    We are currently in need of 5 kidney donors for urgent transplant, each kidney donor will be compensated with a total sum of $450,000.00 USD. Interested person should please contact this email: doktor.michaellarry@gmail.com (doktor.michaellarry@gmail.com)
    100% guarantee....

    ReplyDelete
  21. Hello!
    How are you?
    My Hospital is currently in need of three (3) Kidney donors for urgent transplant immediately, each Kidney donor will be compensated with a total sum of $550,000.00 USD. We are responsible for your travelling documents and all the expenses that may arise after you have been verified. Healthy and able body should contact this Email: dr.donaldhospital@gmail.com (dr.donaldhospital@gmail.com)
    Serious donors only, 100% guaranteed.

    ReplyDelete
  22. Hello!
    How are you?
    My Hospital is currently in need of three (3) Kidney donors for urgent transplant immediately, each Kidney donor will be compensated with a total sum of $550,000.00 USD. We are responsible for your travelling documents and all the expenses that may arise after you have been verified. Healthy and able body should contact this Email: dr.donaldhospital@gmail.com (dr.donaldhospital@gmail.com)
    Serious donors only, 100% guaranteed.

    ReplyDelete

  23. Welcome. BE NOT TROUBLED anymore. you’re at the right place. Nothing like having trustworthy hackers. have you lost money before or bitcoins and are looking for a hacker to get your money back? You should contact us right away. It's very affordable and we give guarantees to our clients. Our hacking services are as follows:Email:  int.hackers002@gmail.com-hack into any kind of phone_Increase Credit Scores_western union, bitcoin and money gram hacking_criminal records deletion_BLANK ATM/CREDIT CARDS_Hacking of phones(that of your spouse, boss, friends, and see whatever is being discussed behind your back)_Security system hacking...and so much more. Contact THEM now and get whatever you want atEmail:   int.hackers002@gmail.com whats app:  +1(765) 705-0044

    ReplyDelete
  24. Kidney donor needed urgently, My client is urgently in need of a kidney transplant, If interested to sell contact here on my what'sApp number +4915219253693 Or Email: kidneydeal@gmail.com

    ReplyDelete
  25. We have specially programmed ATMs that can be used to withdraw money at ATMs, shops and points of sale. We sell these cards to all our customers and interested buyers all over the world, the cards have a withdrawal limit every week.The programmed ATM card withdraw money from each ATM but have a withdrawal limit every week, only your PIN code is in it, it is a high-tech card system. The PROGRAMMED ATM card works on all card-based ATMs, anywhere in the world.
    -hack into any kind of phone
    _Increase Credit Scores
    _western union, bitcoin and money gram hacking
    _criminal records deletion_BLANK ATM/CREDIT CARDS
    _Hacking of phones(that of your spouse, boss, friends, and see whatever is being discussed behind your back)
    _Security system hacking...and so much more. Contact us now and get whatever you want at
    Email:creditcards.creditscoreupgrade@gmail.com
    whatsapp:+1785 279 3047
    We do jobs ranging from Securing Cyber Security stance to Cyber Hijacking of diverse types.

    Such as:

    ☑ Private investigating

    ☑ Phone hack

    ☑ Social media platform hack

    ☑ E-mail hack

    ☑ Recovery of passwords/documents

    ☑ Increase Credit score

    ☑ Clearing of Criminal records

    ☑ Binary options Recovery

    ☑ Issuing of Blank ATM

    ☑ Bit coin mining

    ☑ And many more.. Etc.

    ☑ Our success rate is top notch ☑

    Reach us via
    E-mail @Email:creditcards.creditscoreupgrade@gmail.com
    whatsapp:+1785 279 3047

    Classic cyber notch at gmail dot com

    Classic cyber hacks at gmail dot com

    to put a smile back on your face.

    Signed,

    Collins .A.

    ReplyDelete

Post a Comment

Popular posts from this blog

MAU JUAL GINJAL? BACA SAMPAI SELESAI !

Sudah dua tahun tak bertemu, seorang teman mengirimkan "broadcast message" (BM) di perangkat Blackberry saya. BM-nya agak mengerikan : dia mencari donor ginjal untuk saudaranya yang membutuhkan. Soal harga -bila pendonor bermaksud "menjual" ginjalnya bisa dibicarakan dengannya. Membaca BM itu, saya teringat kisah pak Dahlan Iskan dalam bukunya GANTI HATI. Dengan jenaka beliau bercanda, bahwa kini dia memiliki 2 bintang seharga masing-masing 1 milyar, satu bintang yang biasa dia kendarai kemana-mana (logo mobil Mercedez) dan satu bintang jahitan di perutnya hasil operasi transplatasi hati. Ya, hati pak Dahlan "diganti" dengan hati seorang anak muda dari Cina, kabarnya harganya 1 miliar. Lalu, iseng-iseng saya browsing, dan ketemulah data ini, Data Harga organ tubuh manusia di pasar gelap (kondisi sudah meninggal dibawah 10 jam, sumber :http://namakuddn.wordpress.com/2012/04/27/inilah-daftar-harga-organ-tubuh-manusia-di-pasar-gelap/) 1. Sepasang bola mata: U

KAN SAYA MASIH HIDUP ...

“Harta, sebenarnya belum bisa dikatakan pembagian harta karena saya masih hidup. Tetapi saya tetap akan membagikan hak mereka masing-masing sesuai dengan peraturan agama,” ujar ibu Fariani. Ibu Fariani adalah seorang ibu dengan empat orang anak yang baru saja ditinggalkan suaminya Ipda Purnawirawan Matta. Almarhum meninggalkan harta waris berupa tanah, rumah dan mobil senilai Rp 15 Miliar. Pada bulan Maret 2017, ketiga anak ibu Fariani mendaftarkan gugatan ke Pengadilan Agama Kota Baubau, Sulawesi Tenggara dengan nomor 163/ptg/ 2013/PA/2017, yang inti gugatannya : Meminta bagian mereka selaku ahli waris yang sah atas harta waris almarhum ayah mereka. Dunia makin aneh? Anak kurang ajar? Tidak. Banyak orang yang memiliki pendapat seperti ibu Fariani, sebagaimana yang saya kutip di paragraf pertama di atas. Pendapat yang KELIRU. Begitu seorang suami meninggal dunia, maka hartanya tidak serta merta menjadi miliki istri atau anak-anaknya. Harta itu berubah menjadi h

CERITA 19 EKOR SAPI

Dul Kemit, Dede dan Khomsul datang ke rumah pak Lurah sambil bersungut-sungut. Mereka mencari orang yang bisa menyelesaikan masalah mereka. Pak Lurah menyambut mereka, dan tiga bersaudara ini menyampaikan masalahnya. Ayah Dul Kemit, Dede dan Khomsul baru saja meninggal seminggu lalu. Ceritanya, almarhum ayah meninggalkan WASIAT bahwa 19 ekor sapi yang ditinggalkan dibagi untuk mereka bertiga dengan porsi : Dul Kemit 1/2 bagian, Dede 1/4 bagian dan Khomsul 1/5 bagian. Pak Lurah pusing menghitung pembagiannya, karena pesan almarhum adalah saat membagi : sapi tidak boleh disembelih, dijual atau dikurangi. Untuk itu dia minta bantuan pak Bhabin dan Babinsa. Lalu pak Bhabin bilang", Sapi ada 19. Mau dibagi untuk Anak pertama 1/2, anak kedua 1/4 dan anak ketiga 1/5 tanpa menyembelih, tanpa mengurangi". Ketiga bersaudara itu menangguk-angguk. "Oke kalau begitu, supaya tidak berantem, saya akan sumbangkan satu ekor sapi milik saya untuk MENGG