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Parents are old, do they need to give their savings to their children for safekeeping?

Do parents need to give their savings to their children when they are old? This sentence should refer to people born before 1947 in the last century, because only these people have children and daughters, or 2~3 children and 2~3 women. Born after 1948, he got married just in time to catch up with the basic national policy, that is, the one-child policy. Everyone responded to the call of the party, and a couple only had one child. Then it was either a son or a woman, and I was one of them. Then when we are old and need to leave our savings to our children, we have no choice. This is the only one. This is something we can do regardless of success or failure. Everything depends on our own destiny. If you are raising a son, you should be careful not to expose all your money. Don't give it to him if you can take care of yourself. If you have a daughter, you can rest assured. You can deposit half of it for her and the other half on a regular basis, which is convenient and practical. Of course, whether a child or a woman, his or her personality and personality are well known to his or her parents. If your only child is excellent and filial in all aspects, takes care of his or her parents, and he or she has a car and an elevator, then we can give him or her a deposit when the child is old.

Tell me about my family. Last year, my mother died and my father was 90 years old. Father has a clear head and has a deposit of100000. I don't know why, my two brothers want my sister to help keep my dad's savings, knowing that my daughter definitely doesn't approve of giving money to any son (in our hometown, my son takes care of my parents for the elderly and the property belongs to my son). In fact, it's just custody, and no one can take money. Dad agreed, but within a month, my sister bought something for dad to see. Dad told her at the neighborhood party that he wanted to see the passbook and withdraw the interest deposit. The elder sister said, Dad, you just got more than 8,000 pieces of funeral expenses and pensions for your mother, and you are not short of money. Why did you take it out? The bank will automatically deposit it and let you give me a word in front of outsiders. Finally, there was a conflict between father and daughter. My sister ignored my father and my father didn't want his money. Sister's reason is that his father gave the money to his eldest brother privately (sister and his eldest brother were in conflict), which was unfair to his younger brother, and finally he simply gave the passbook to his younger brother privately. Dad has always been unhappy and told me to ask my sister to get the money back, but she just wouldn't give it. Until one day, I called my second sister back and asked her sister to go to my brother to get the passbook back. My dad is finally happy, but my sister and dad live in the same neighborhood. Seeing my father walking around, I never came to see him again. It's no use doing ideological work with second sister.

My idea is that most of the old people in those days were poor, and it is also an idea to save a little when they are old. Think about how much savings they have, and leave it to their children. In order to let the old people live a few more years, let them take care of themselves.

I really need it. First, the old man is too old to take care of. They have to queue up for a long time to do business in the bank. When you meet unscrupulous banks, they will let you buy wealth management or insurance products.

Second, the elderly have poor anti-fraud awareness. If they are not good, they will be fooled into buying health care products.

Third, the old man has so much money that he doesn't even know where to put it. For a real example, when my parents were alive, they had a sum of money and put it in the waste paper box on the balcony. One day, a waste collector came and my mother sold the paper shell. When my father came back, he hurried to find it. Fortunately, he found a waste collector and recovered the loss. Otherwise, it would have sold for thousands of dollars.

The fourth money is given to the responsible children at home. No matter what investment and financial management, the accounts are published regularly in the family group to win the trust of everyone.

Fifth, the main expenses of the elderly can be spent from these funds, so that the family will be much more harmonious.

Sixth, if an investment is profitable, we can get together when we can spare time.

In short, the old people should spend their money first, so that the money can be spent clearly, the accounts can be calculated clearly, and the old people will not be unhappy after a hundred years!

Parents are old, do they need to give their savings to their children for safekeeping? The specific analysis depends on the actual situation.

filial piety/mourning

If children are filial, it is no problem for parents to give their savings to their children for safekeeping. Compared with parents, the probability of children being cheated is much lower, especially for those health care products publicity and various P2P financial publicity. Many elderly people are fooled into buying with little knowledge, and even put their own pension books in. Such cases have emerged in an endless stream in recent years, so in the case of filial piety, all the money is given.

Children are unfilial.

If the child is unfilial, then give the money to the child, that is, the meat buns hit the dog, and there is no return; Moreover, even if the children are filial (not hungry for three meals a day), but the children are addicted to gambling or drinking, then giving these children a pension will never come back.

abstract

Give it to children for safekeeping, and many people also want to prevent accidental death, causing trouble in withdrawing money. Actually, it's not a problem now. I think you can tell your child your password, how much passbook you have, which bank you are in, etc. in advance, and save it in the encrypted file of your mobile phone, and unlock the fingerprint of the encrypted file, plus the child's fingerprint, so that in case of an accident, the child can also withdraw money from the account.

Although the elderly have poor anti-fraud awareness, it does not deprive them of the right to manage their own money. Besides, many young children are still deceived. The key is to improve their anti-fraud awareness. From my personal point of view, I'd better keep the money while I can still move and walk. Even my children always feel a little troublesome and unaccustomed to asking them for money, especially if they don't live in a place, such as cities or rural areas. When it is inevitable to use money temporarily, do they always ask their neighbors?

Instead of depriving parents of the economic power to control their own wealth, I think it may be better for children to train their parents on fraud prevention.

Don't! Even filial children and reasonable children, I don't approve of parents handing over economic power to their children too early! Whether it is to let them keep it, borrow it, or transfer it to them in advance, it is inappropriate and very stupid and ignorant:

First of all, you should know that your body will be aging day by day, and you will become more and more dependent on others! There is a saying in China: There is no dutiful son before a long bed. None of us can guarantee that we won't catch up with this kind of thing. Therefore, as you get older, you will become weaker and weaker irreversibly, so you will turn to others more and more. Don't think how obedient your children are, it was when they were young! Therefore, my advice to you is that you must remember that it is convenient and attractive to turn to others more and more. Then be sure to take care of your finances. The sentence "don't mind hurting others, don't mind stopping others" is very practical and suitable for people who will rely on others. If you have money, your children may be filial (but they may not be). But at least you have the initiative! Really can't. I'll go to a nursing home and hire a nanny myself. I don't have to look at my child's face. If the child is really filial and an only child, he can write a will in advance. Once you find that your life is in danger, please find a notary to sign it yourself and give it to him! It won't delay things. It has been found that many rural parents gave their property to their sons long ago, but left no thoughts for their daughters. I suddenly fell on the hospital bed, leaving my son alone and letting my daughter wait on me! But is my daughter willing to come at this time? Where did you put your daughter? She doesn't care about you, she is unfilial, and her heart is broken! If she cares about you, parents have no daughters in their hearts! Can he feel better with such stupid and ignorant parents in his later years?

Therefore, I suggest that my financial ability, especially for single elderly people, should not be given to children too early to avoid being squandered! Otherwise, when you cry every day, there is nothing the law can do! This is self-inflicted!

Tell me about myself. My parents didn't die until they were in their nineties. At first, I accompanied them to the bank to deposit and withdraw money, but later they couldn't handle it themselves, so they gave me the task of managing money. First of all, I write down every income and expenditure in my notebook and report to my mother at any time. Secondly, every time I spend money, I would rather give them more money than owe them anything. Thirdly, I changed my passbook into a savings card for easy access, and changed my certificate of deposit into an all-in-one account to avoid the loss of the certificate of deposit. They only save their money regularly, and don't buy wealth management, just to prevent the money from being taken out when it is used. All three of us know the password, and we have never had a conflict over money. Old people are hospitalized, and they never delay when they wait for money. Of course, thanks to my mother's generosity, whoever behaves well will be encouraged, and whoever can be trusted will be entrusted with a heavy responsibility. If the old man is confused and meets the selfishness of his children again, it will be difficult. Because the property of the old people was entrusted to me in advance, I avoided a lot of trouble in the process of inheritance and distribution after their death.

This question varies from person to person. Generally speaking, as long as you can take care of it, it is best not to give money to your children. If parents are too old to take care of them, it is a wise choice to give them to their children.

I have a neighbor. His wife died, and he didn't go to see her again. He lived with his children for a while. He felt embarrassed to live in their children's house for free, so he gave his pension to his son and daughter-in-law.

As a result, after living together for more than a year, I feel that life is still inconvenient. Later, the old man returned to his hometown and his financial rights were not returned. His daughter-in-law gives him living expenses 1 000 yuan every month. Originally, his pension of more than 3,000 yuan per month was very comfortable. After giving the money to the child, he can only scrimp and save.

Through the above cases, I think the elderly should not give money to their children prematurely, even if they are only children, because once the money reaches the children, it is not your call. If you want to come back again, one possibility is that you have offended your son and daughter-in-law, and the other possibility is that you will never come back.

But if the old man is really old, he can't even go to the bank to withdraw money himself. In this case, he can only rely on his children, but it is best to keep the accounts clear. One is to avoid misunderstanding of property between children, and the other is to show that property ownership belongs to them, and children just help to keep it.

That's for sure. Old people have the idea that money will not be theirs sooner or later?

However, how to divide the children in the old family? How to make the old man feel at ease when he goes?

Personally, I think that if you have many children, you must know: which child takes care of you? Who takes care of it best and so on. Call the children to the front and see what they say. If you are not convinced, inherit more. You can inherit. Did you raise and take care of the elderly? When your brother and sister are around, you must tell the truth. If you can't pay the money, please ask the public security department for judicial help. If the child does not agree, please ask the court to work together to do this well. There will be no future trouble, so you can't play a "story of the wall" again, can you?

Having said that, I have some experience. When my father had terminal cancer, he knew he was dying. He gave me the 8,000 yuan (67 years) he had worked so hard to save, and said to my three brothers and my sister, "Chuanyi has taken care of your mother and me for many years. How many times have your two brothers been here? Your sister comes once a week and is busy teaching. When my father gave me the money, I said, Dad, just leave it to my brother and sister. See you sleeping, they are in my room. How can you be optimistic about my father's illness? My father is very happy. Good children are good! " I said, "this 5000 yuan is for you to find an expert in a mental hospital, which is not enough for everyone." I gave the money to my sister, and everyone said: Yes.

Unfortunately, my father died after staying in this hospital for five days! I am only 66 years old. My mother lived in my relocation house for five years and died of various diseases at the age of 78. Before she died, everyone came (including relatives). My mother said calmly, "The Chuanyi couple have been my doctor for five years and didn't say anything else, but I have no money. How can I compensate my children? " "I strongly disagree that this will take off a pair of gold earrings for me." Mom, I bought it for you ten years ago. Can you give them back to me and let me hit my face? "Sister said," I must give you the earrings. They will take them away when you go to the crematorium. "I just took them, but my face was full of tears. ...