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My mother has recently died.
I have taken care of the finances of my mother in the last 10 years. It was always your money, but I made sure that all bills were paid. She lived in her own house for about 7 months. She then pulled himself with me. She was 89 years old and could not take care of himself anymore.
"Do I have to report this to the examination for examination? More importantly, I have to tell my 3 siblings about the money in these accounts?"
In the last 10 years, I took care of paying her bills, so my mother put on all her test / savings accounts. My mother trusted me that I pay attention to all their finances as well as all aspects of their lives / care, and every home repair / problem problems.
If I'm summarized on your bank accounts, do I have to report this to the examination purpose? Is more important, do I have to tell my 3 siblings about the money in these accounts? If I am summarized with your accounts, does that make me the beneficiary, and must be disclosed?
My sisters annoy me about Mam's accounts. I did not say anything. Mom did not want me to talk to them about her money, and I never have it. What should I do? Am I obliged legal to specify the accounts?
Thank you for your advice.
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Dear daughter / sister,
I'm sorry for your loss, and I'm glad you spend this time with your mother and take care of your needs. It's not easy, and some families can be such a commitment from a child for self-evident. They made their mother a great service, and I hope they dry in the fact that they have done everything in their power to make their last years pleasant, and free of loneliness.
You write that your mother "put" these accounts and they say, "I'm joint" on the accounts. First, determine if you are a "shared owner" on these bank accounts or an "authorized signatory". There is a big difference between the two. With the former they are the beneficiary of these accounts, and they do not go through the estate. Not so, with the latter.
"" First of all, establish whether you are a joint owner on these bank accounts or an authorized signatory. '"
Let us be based that you are a co-owner. In view of the ten-year commitment to their mother and wish to keep the content of these accounts privately, I see no moral or legal imperative to recognize themselves on their siblings, and give them a full forensic accounting. To which end? The only reason would be if this would be your money. It is not.
Below: If your mother wanted you to be the beneficiary of these accounts, she intentionally added as a co-owner of these accounts - and not as an authorized signatory - and realize that she wanted her money after she had passed, By not revealing the details, your family should respect their mother's wishes.
silent, such situations can be difficult. "Transfers on death" are widely regarded as safer as a safer, bank accounts to be forwarded to a selected friend or relative, and can also help prevent tax pitfalls delivered with the inheritance of common accounts. That is, transfers in death no owner of third parties during the lifespan of the person.
According to national laws, in order to make an adult child a common owner of an account, as the "poor man" is considered primarily due to the countless problems that can arise about whether there is only a convenience account was, which was set up for payment bills, but not actually left in the care company in question. "Legal disputes can and often follows." It poses three questions:
1. What was the source of the account? "If the deceased owner was the only source of full, the account is regarded as a comfort account, with the common name only as a means to ensure that the expenses of the deceased owner were paid while he or she lived, rather than a real common account "Says the NLR.
2. What was the money used for? "If the account was used exclusively for the expenses of the deceased owner, it is more likely considered a convenience account," it adds. "However, the use of the living holder of the account is strong evidence that the deceased owner complies with the account as a" true "shared account as" true "."
"'Always on the side of transparency. That means the complete disclosure of the testing ring.'"
3. And finally, the account was set up? "If the account was created for a long time before the death of the deceased owner, it is probably easier that the living owner argues that the deceased owner knew what he or she did was less prone to an influence," the publication adds. But the opposite could be true. Therefore, any paper paths would be useful to support their case.
There are many moving parts here. Always on the side of transparency. This means complete disclosure to the examination instruction. He or she can judge all documents and make sure that all legal issues are fairly directed. In theory, their siblings would still be less likely that every inappropriate influence or financial misconception has occurred.
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