Yes. Husbands and wives share the same need for making wills, even if much of their property is held jointly.

The fees associated with drafting a will can be quite reasonable, especially when you consider that its purpose is to direct the distribution of property you may have worked a lifetime to accumulate. Taxes and settlement costs that can be avoided with a well-planned will can amount to many times the cost of preparing one.

A trust can distribute assets and manage them for elderly people or for younger heirs until they reach a certain age.

Joint ownership arrangements allow you to own property with others. At the end of one owner’s lifetime, the property passes outside of probate to the survivor.

A power of attorney lets you appoint someone to handle your financial affairs if you should be unable to do so. Many people also create a living will, which outlines their health care wishes.

Also review the beneficiary designations of your life insurance policies, IRAs, and other retirement plans, because your will and other plans may not affect their distribution.

The state laws where you live will provide one. Your state’s plan cannot:

• Provide for your heirs according to their needs.


• Take into account who you would have wanted to be the legal guardian of your minor children.


• Provide for special friends or charitable interests.

Not necessarily. There are other ways to distribute property that can act in concert with the terms of your will.

Policies originally purchased to provide for needs such as payment of mortgages, educational expenses, or estate taxes may no longer be needed for that purpose.

If your children are grown and financially independent, you have adequate retirement savings, your home is paid for and you no longer anticipate payment of estate taxes, one or more of your life insurance policies may now be “obsolete.” You can make excellent use of such policies by giving them or the proceeds they will eventually generate to one or more charitable interests.

Among the advantages for the donor are the following:

• Convenience—It is a simple process to change the beneficiary or give complete ownership to a new or existing policy.


• Tax savings—Significant income, estate, and gift tax savings may be available by effectively planning your gift of a new or existing life insurance policy.


• Privacy—Unlike a bequest in your will, a life insurance policy gift is not a matter of public record.


• Flexibility—You can choose whether to name a charitable interest as a beneficiary of a policy you no longer need for its originally intended purpose, such as payment of estate taxes. Or you can purchase a new policy specifically for charitable use.

Yes, please complete the Confidential Bequest Form online here so that we can have a written record of your generosity. It’s a non-binding agreement strictly for our records and ensures that you will become a member of the ROLDA’s Legacies Society.

Fill in our online form and we’ll send your question to the right person to answer it. At the bottom of this page, you will find a list of phone numbers and postal addresses, please use the most suitable one to get in touch with us!
You can reach the ROLDA founder directly at this phone number 004 0748 903612 (WhatsApp).

She still should make separate plans. By creating her own comprehensive plan, a woman can often avoid unnecessary tax liability. Joint ownership should be considered as a part of, not a substitute for, a complete estate plan.

Yes. Charitable gifts through a will, trust or other plan can be a practical option for many, because gifts are completed only after one no longer needs the assets. Other giving options that may appeal to women are those that offer secure income payments for life, money management and welcome tax savings. These plans can also provide for a child or grandchild’s education or establish lifelong support for a loved one.

Yes. A wife and husband should each have plans that complement each other and take into account any special gifts they would each like to make. Since women are more likely to survive their husbands, they are more likely to bear responsibility for the ultimate disposition of a couple’s assets.

Many women choose to honor the memory of a husband or other loved one through memorial gifts to charitable organizations and institutions.

Whether carrying on a tradition of giving to a spouse’s favorite charity or leaving a legacy to express her own ideals, memorial gifts can be an important part of a woman’s estate plan.

Payments are usually in the 5%-10% range, depending on your age, the type of gift plan and other factors.

A gift that results in additional income for you may allow you to make meaningful gifts and, at the same time, help you achieve personal goals, such as the following:

Educational expenses: If you want to provide funds for your children or grandchildren’s education, a gift that features an income stream may be an attractive and tax-efficient option. You can fund educational needs now or in the future while making an eventual charitable gift and can enjoy immediate tax savings.

Supplement retirement funds: If planning for retirement is high on your list of priorities, an income gift can supplement other retirement plan income while also providing for a charitable gift when you or a survivor no longer need the income.

Pre-retirement planning: If you are not yet retired, simply postpone income payments until you do retire and yhour income may actually be greater at the time when you need it most. Even though you are not yet receiving income, you will still enjoy immediate tax savings.

Take care of loved ones: Do you want to provide financial support for a spouse, parent, child or someone else who depends on you? With a well-planned charitable gift, you can arrange for regular payments that can add to a surviving loved one’s financial security.

Income can continue for your lifetime and/or the lifetime of whomever else you name. Or, in some cases, you may specify that the payments continue for another period of time you determine, up to 20 years.

When payments are no longer needed or otherwise end, the remaining funds are devoted to charitable use.

Payments are usually in the 5%-10% range, depending on your age, the type of gift plan and other factors.

A gift that results in additional income for you may allow you to make meaningful gifts and, at the same time, help you achieve personal goals, such as the following:

Educational expenses: If you want to provide funds for your children or grandchildren’s education, a gift that features an income stream may be an attractive and tax-efficient option. You can fund educational needs now or in the future while making an eventual charitable gift and can enjoy immediate tax savings.

Supplement retirement funds: If planning for retirement is high on your list of priorities, an income gift can supplement other retirement plan income while also providing for a charitable gift when you or a survivor no longer need the income.

Pre-retirement planning: If you are not yet retired, simply postpone income payments until you do retire and yhour income may actually be greater at the time when you need it most. Even though you are not yet receiving income, you will still enjoy immediate tax savings.

Take care of loved ones: Do you want to provide financial support for a spouse, parent, child or someone else who depends on you? With a well-planned charitable gift, you can arrange for regular payments that can add to a surviving loved one’s financial security.

Income can continue for your lifetime and/or the lifetime of whomever else you name. Or, in some cases, you may specify that the payments continue for another period of time you determine, up to 20 years.

When payments are no longer needed or otherwise end, the remaining funds are devoted to charitable use.

There are two main reasons—to protect their heirs and to protect their assets.

Unmarried women need to make sure plans are in place for asset management and other financial concerns later in life. In the absence of a will, trust or other appropriate plans, strangers could be assigned asset management duties, and all or a portion of her assets would be divided among relatives according to state law.

Yes. Women, on average, live six years longer than men and should normally plan for a longer period of economic security.

Yes. She may need to make sure the person she named as executor of her will is still her first choice. A careful review of the provisions of her will and the beneficiaries of her life insurance and retirement plans can ensure those named to receive funds still reflect her wishes.

In the case of remarriage, a woman may want to provide for her new husband in her plans while also preserving assets for her children.

There are a number of ways to name ROLDA to receive all or part of a life insurance policy you already own. The process can be quite simple and easily changed over time as circumstances change.

You choose to make an immediate gift of a life insurance policy by making ROLDA the irrevocable owner and beneficiary of a policy. You may be entitled to an income tax deduction based on the value of the policy or premiums paid. Check with your advisor for the amount of deduction to which you may be entitled.

Yes. Husbands and wives share the same need for making wills, even if much of their property is held jointly.

The fees associated with drafting a will can be quite reasonable, especially when you consider that its purpose is to direct the distribution of property you may have worked a lifetime to accumulate. Taxes and settlement costs that can be avoided with a well-planned will can amount to many times the cost of preparing one.

In its broadest sense, estate planning involves making provisions for the present and future management of the property you accumulate during your lifetime and deciding how you want it distributed when you no longer need it.

A good place to start is with the “Four Ps”.

1. List the people you would like to provide for in your plans. You may wish to include charitable interests.


2. List the property you own and any income it produces. Include investments, real estate, retirement plan funds, and life insurance assets, as well as personal property.


3. Your plans will begin to take shape as you consider how you wish to use your property to provide for the people on your list. Study your property list carefully, looking for opportunities to match the needs of each person.


4. List the planners you will need to help you—your attorney, accountant, financial planner, banker and/or others. Consider asking your most trusted advisor to help coordinate the process.

A trust can distribute assets and manage them for elderly people or for younger heirs until they reach a certain age.

Joint ownership arrangements allow you to own property with others. At the end of one owner’s lifetime, the property passes outside of probate to the survivor.

A power of attorney lets you appoint someone to handle your financial affairs if you should be unable to do so. Many people also create a living will, which outlines their health care wishes.

Also review the beneficiary designations of your life insurance policies, IRAs, and other retirement plans, because your will and other plans may not affect their distribution.

Policies originally purchased to provide for needs such as payment of mortgages, educational expenses, or estate taxes may no longer be needed for that purpose.

If your children are grown and financially independent, you have adequate retirement savings, your home is paid for and you no longer anticipate payment of estate taxes, one or more of your life insurance policies may now be “obsolete.” You can make excellent use of such policies by giving them or the proceeds they will eventually generate to one or more charitable interests.

Among the advantages for the donor are the following:

• Convenience—It is a simple process to change the beneficiary or give complete ownership to a new or existing policy.


• Tax savings—Significant income, estate, and gift tax savings may be available by effectively planning your gift of a new or existing life insurance policy.


• Privacy—Unlike a bequest in your will, a life insurance policy gift is not a matter of public record.


• Flexibility—You can choose whether to name a charitable interest as a beneficiary of a policy you no longer need for its originally intended purpose, such as payment of estate taxes. Or you can purchase a new policy specifically for charitable use.

Making a Will usually involves two trips to your solicitor, a first visit to give your instructions and a second appointment to check the document which has been prepared and to sign it.

Write down the full names and addresses of all the people you wish to remember in your Will. Think carefully about precisely which special gifts you wish to make and to whom.

To keep costs to a minimum the motto is be prepared! Having all the relevant information to hand will save your solicitor time and save you money. Make a list of all your possessions such as property, furniture and jewelries. Add to this list any shares, insurance certificates or bonds you hold and details of where these documents are stored. Finally, include on the list the name, address and account number of any bank or building society with which you have an account.

It is perfectly possible to draw up your own Will but even simple Wills must comply with legal formalities and, if you are not familiar with legal terminology, just one mistake could invalidate the whole document. The best advice we can give is that you use a solicitor to draw up the Will. It is worth the expense to have peace of mind knowing that your wishes cannot be misinterpreted.

If you have no family and have not made a Will, your entire estate could pass to the Crown and be added to the Treasury's coffers. So while you might want your closest friend to have all your possessions, the law will not agree if there is no Will.

Of course – all information you give to us is strictly confidential. Any information supplied to ROLDA is protected by the Privacy Policy which can be viewed on ROLDA website www.rolda.org.au/privacy-policy/

All donations to ROLDA go directly to where they are needed most, to protect the most abused, sick and vulnerable animals. This is ROLDA’s commitment to our donors and to the animals that need our support. Administration and fundraising costs are kept to an absolute minimum.

If you do not have a Will, it is advisable to write one as soon as possible. It is also important to update your Will when your circumstances change – for example if you get married, have children or buy property.

Leaving a gift to ROLDA in your Will is a way that you can make a life-changing difference for tomorrow’s dogs (or other abused animals) and realize your vision for a better world. If you include ROLDA in your Will, it is important to ensure that the wording is legally correct. You may want to talk to your solicitor or trustee, as well as one of ROLDA team member.

Everyone should have a Will. It ensures that the distribution of your assets is carried out in the way you want and provides for the people and issues you care about.

• Att testatorns namnunderskrift är korrekt samt att han/hon har skrivit testamentet av fri vilja och vid full psykiskt hälsa.


• Att testamentet har bevittnats och undertecknats vid samma tillfälle som det undertecknats av testatorn.


• Att vittne var minst 15 år och vid full psykisk hälsa vid undertecknandet.


• Att vittne ej är testamentstagare.


• Att vittne ej är släkt med testator.


• Att vittne vare sig är släkting till testator eller gift med någon av dennes testamentstagare.


• Att testamentet är korrekt daterat.


• Att testator har skrivit under på sista sidan och även signerat övriga sidor.


• Att vittnets namn och personnummer är korrekt angivna.

Det kan exempelvis se ut så här:
”Den egendom som återstår efter att mina bröstarvingar har erhållit sin laglott ska tillfalla Association ROLDA Sverige org.nr 802490-7050.”

Om du känner dig osäker kan du ta hjälp av en sakkunnig, exempelvis en advokat, en begravningsbyrå eller din bank.

Många funderar på att skriva ett testamente men känner sig obekväma och tänker att det där gör jag senare. Det är fullt förståeligt. Men det kan vara skönt att få det gjort, så kan man sedan fokusera på att leva för fullt.

Un testament légalement valable doit être rédigé par vous-même et à la main du premier au dernier mot, doit contenir le lieu et la date exacte et comporter votre signature. Les modifications doivent elles aussi être rédigées à la main, datées et signées par vous-même.

Un testament est la dernière volonté du testateur fixée par écrit. Un testament lui donne l’assurance qu’après sa mort ses biens seront utilisés comme il l’a souhaité. Il rend les choses claires pour les héritiers et permet un partage rapide de la succession. Un testament peut être modifié à tout moment.

Les personnes au droit d’une réserve héréditaire sont les descendants directs (les enfants, les petits-enfants, les arrière-petits-enfants), l’épouse ou l’époux survivant et, s’il n’y a pas de descendants, les parents. Les époux légalement séparés ou divorcés ne sont plus successibles puisque les biens ont déjà été partagés lors de la séparation de corps ou du divorce.

Un pacte successoral, comme un testament, permet de convenir de charges ou de prescriptions de partage.

Le pacte successoral comme le testament permettent au testateur de régler librement sa succession dans le cadre légal. Du point de vue du contenu, il n’y a aucune restriction ni pour l’un, ni pour l’autre. Lors de pacte successoral, le testateur a toutefois besoin de l’accord des futurs héritiers, ce qui n’est pas le cas avec un testament.
Le testateur peut modifier son testament en tout temps, un pacte successoral ne peut être modifié ou annulé que par un accord écrit mutuel.

Dans son testament, le testateur décide seul de toute sa fortune. Il peut rédiger et modifier son testament en tout temps, de façon olographe ou devant notaire. Un pacte successoral doit toujours être certifié par un notaire. Le pacte successoral est un accord entre le testateur et les futurs héritiers. Les partenaires contractuels ne peuvent le modifier qu’ensemble. Il offre une sécurité contre un changement d’avis hâtif d’un partenaire

Hvis du ønsker å testamentere en del av din formue til ROLDA må du opprette et testamente. Det er viktig at du oppgir korrekte opplysninger.
Vi heter: ROLDA GATEHUNDER FRA ROMANIA - OSLO OG OMEGN
Organisasjonsnummer 998 398 495

Arveloven gir klare regler for hvordan arven skal fordeles mellom barn (livsarvinger), gjenlevende ektefelle (herunder samboere på visse vilkår) og øvrige slektninger. Dette er kort det loven beskriver:
• Gjenlevende ektefelle arver ¼ av boet hvis avdøde etterlot seg barn eller barnebarn - minimum 4G (grunnbeløpet i Folketrygden)
• Dersom avdøde ikke hadde barn eller barnebarn arver ektefelle ½ av boet (minimum 6G) . Resten går til foreldre og søsken.
• Dersom avdøde ikke hadde barn, barnebarn, foreldre eller søsken, arver ektefelle alt.
• Hvis ektefellens arverett skal begrenses, må testamentet gjøres kjent for ektefellen før den som testamenterer dør.
• Barn arver normalt 2/3 av boet etter hver av sine foreldre- den såkalte pliktdelen.
• Pliktdelen kan begrenses oppad til kr 1.000.000 for livsarvinger og kr 200.000 for fjernere slektninger hvis det skrives et testamente.
• Dersom avdøde ikke har gjenlevende ektefelle, barn, foreldre eller søsken (eller besteforeldre og deres livsarvinger) arver Staten alt.
Det som ikke kommer inn under pliktdelsarv til barn og/eller ektefeller kan du fritt testamentere til den/de du ønsker – mao alt utover kr 1 mill.. Se arvelovens bestemmelser her LOV 1972-03-03 nr 05: Lov om arv m.m.

Når du oppretter et testamente kan du innenfor reglene i arveloven påvirke fordelingen av dine verdier. Du kan for eksempel tilgodese personer som ikke er arvinger etter loven eller du kan tilgodese organisasjoner eller formål du sympatiserer med.

Det er nettoformuen som arves. Det betyr at krav fra eventuelle kreditorer først må dekkes av boet eller ved at arvingene overtar kravene. Ingen har krav på arv før arvelater er død og etterlater seg en nettoformue. I et testamente kan du bestemme hva personer eller andre skal arve. Det kan være et bestemt beløp, en bestemt gjenstand, en andel av din formue eller den resterende del av din formue når pliktarv og annen arv er betalt.

Et testamente er et skriftlig dokument som er ment å gi uttrykk for hvordan du ønsker å fordele det du etterlater deg mellom familie og andre. Andre kan her være venner eller organisasjoner og lignende. Du gjør det samtidig lettere for dine etterlatte hvis du fordeler dine eiendeler og skaper klare linjer i et fremtidig arveoppgjør.

Dersom du ønsker å fordele formuen på en annen måte enn det loven bestemmer (som er slektninger eller staten) må det skrives et testamente.

Twijfel je tussen het nalaten van een percentage of een vast bedrag? Dan is een percentage wellicht handiger, omdat het van tevoren moeilijk is in te schatten wat je vermogen bij overlijden zal zijn.

Een legaat is een bepaling in je testament die aangeeft dat je een vastgesteld geldbedrag of een bepaald goed nalaat aan een door jou gekozen persoon of organisatie. De grootte van het legaat is niet afhankelijk van de totale omvang van de nalatenschap. Je kunt bijvoorbeeld je familie erfgenaam maken en daarnaast een bepaald bedrag of (on)roerend goed als legaat aan een goed doel nalaten. Je kunt meerdere legaten opnemen in je testament.

Een erfstelling is een vastgesteld deel, vaak een percentage, van het bezit dat middels een testament aan erfgenamen wordt toebedeeld. Als alle rechten van anderen (legaten, boedelkosten en overige schulden) van de totale nalatenschap zijn afgetrokken, krijgen de erfgenamen hun erfdeel. Je bezit wordt volgens de bepalingen in je testament verdeeld onder de erfgenamen.

Je laat (een deel van) je geld, je huis, aandelen of waardevolle spullen na aan het goede doel. Dat heet een legaat.

Je benoemt het goede doel als enig erfgenaam.
Je benoemt het goede doel als mede-erfgenaam. Het goede doel deelt de erfenis dan met je andere erfgenamen.

In een testament kun je aangeven wat je wensen zijn over de verdeling van je erfenis. Als je geen testament hebt, wordt je nalatenschap verdeeld volgens het wettelijk erfrecht.

In het erfrecht geldt alleen de juridische relatie met je partner, kinderen en bloedverwanten. Een handige manier om te checken of je een testament nodig heeft is testamenttest.nl.

Ook kun je testen of je huidige testament nog overeenkomt met je wensen.