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Image sourced from the internet.
照片源于互联网。
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I believe you might have heard about the benefits of pre-plan for your own after-life matters, which including buying a niche and/or ancestral tablets for yourself or your loved ones, on top of planning for a will and insurance. You may know about this concept from your family or friend, or even from a stranger who is a salesperson from the bereavement industry. Well, I would say that the concept per se has no right or wrong. Let me tell you why by giving you two examples.
除了计划遗嘱和保险，我相信您可能已经听说过预先计划终身事宜（身后事）的好处，包括为您自己或您所爱的人购买骨灰位和/或神祖牌位。 您可能从您的家人或朋友，甚至是来自殡葬行业的陌生销售人员那里了解了这个概念。 这个概念本身没有对与错。 让我以两个真实的例子告诉你为什么我会这么认为。
除了计划遗嘱和保险，我相信您可能已经听说过预先计划终身事宜（身后事）的好处，包括为您自己或您所爱的人购买骨灰位和/或神祖牌位。 您可能从您的家人或朋友，甚至是来自殡葬行业的陌生销售人员那里了解了这个概念。 这个概念本身没有对与错。 让我以两个真实的例子告诉你为什么我会这么认为。
Case #1 A couple of elderly purchased a shared niche
Their intention of doing so is very simple - that is to ease the burden of their children when they have passed away. Without any interference or persuasion of anyone, they have made the decision with their own free will. They are a pair of loving couple who have no stern religious belief and with sound financial ability. Their children have never tried to convince them to be any religious believer too. They can foresee that things will remain the same and no migration will happen in the future. The planning was decisive and they felt contented.
案例＃1 一对老人购买了一对骨灰位
他们这样做的目的非常简单 - 那就是为了减轻孩子在老人家去世后的负担。 在没有任何人干涉，干扰，劝说或“洗脑”的情况下，他们在思路清楚而且自愿的情形下做出这个决定。 他们是一对老夫妇，他们没有严格的宗教信仰和他们拥有良好的经济能力。 他们的孩子从未试图说服他们成为任何宗教信徒。 他们可以预见事情将保持不变，未来更不会移民至其他的国家。 他们的规划是干脆利落的，因而他们感到满足。
案例＃1 一对老人购买了一对骨灰位
他们这样做的目的非常简单 - 那就是为了减轻孩子在老人家去世后的负担。 在没有任何人干涉，干扰，劝说或“洗脑”的情况下，他们在思路清楚而且自愿的情形下做出这个决定。 他们是一对老夫妇，他们没有严格的宗教信仰和他们拥有良好的经济能力。 他们的孩子从未试图说服他们成为任何宗教信徒。 他们可以预见事情将保持不变，未来更不会移民至其他的国家。 他们的规划是干脆利落的，因而他们感到满足。
Case #2 A couple of daughter and mother purchased a shared niche and ancestral tablet
The daughter is single. They were originally religious A believer but were then converted to religion B. Unfortunately, the niche they had bought was designed in a way of religion A, not to mention of the ancestral tablet. They wanted to sell off their "unused" niche and tablet but searching for a potential buyer is so much difficult that is near to almost impossible.
案例＃2 一对母女购买了一对骨灰位和神主牌位
女儿是单身人士。 他们原本是A宗教信徒，但后来信奉了宗教B。 他们已购买的骨灰位是以宗教A的方式设计的，更不用说是神祖牌位了。 他们想卖掉他们“未使用过的”骨灰位和牌位，但是寻找潜在的买家是极其困难，几乎是不可能的。
案例＃2 一对母女购买了一对骨灰位和神主牌位
女儿是单身人士。 他们原本是A宗教信徒，但后来信奉了宗教B。 他们已购买的骨灰位是以宗教A的方式设计的，更不用说是神祖牌位了。 他们想卖掉他们“未使用过的”骨灰位和牌位，但是寻找潜在的买家是极其困难，几乎是不可能的。
You may be told that doing planning for yourself has no disadvantage. In case you change your mind one day, you can still sell away your "property" which no longer suitable and you may still profit from the sales at the same time. However, this perfect assumption may not always be realised. A paper profit or "foreseeable guaranteed returns (without any form of agreement)" can never be a real profit until you have pocketed the real cash on your hand. You have to be very careful before making any decision that involves a big sum of money. There are always more than enough salesperson who does not responsible for what they have promised but who only care about their sales target and commission. Do your due diligence check and think of what is the possible worst scenario that can happen and are you ready to bear the consequences? If you have been thinking carefully and ready, just do it and you should have no regret, even though new methods of handling cremains have emerged in the future, which you think you may prefer.
有人可能会告诉你，为自己做身后事的安排并没有不利之处。如果有一天,你改变主意了，你仍然可以卖掉那不再适合你的“不动产”，并同时从中获利。但是，这个完美的假设并非总能实现。 “账面利润”或“可预见的保证回报（在没有任何形式的协议下）”永远不会是真正的利润。 实实在在的利润是当你把真的现金收入自己的囊中时才算的。你在做出任何涉及大笔资金的决定之前，你必须非常小心。这世界上不缺的是信口开河人的销售人员。他们对自己所承诺的事情毫不负责，他们关心的只有他们的销售目标和佣金。您做好功课，并准备好承担最坏情况的后果了吗？ 如果你仔细思考并做好了准备，那就去完成自己的心愿吧。 我相信你不会后悔，即使未来出现了你认为你可能更喜欢的处理骨灰新方式。
有人可能会告诉你，为自己做身后事的安排并没有不利之处。如果有一天,你改变主意了，你仍然可以卖掉那不再适合你的“不动产”，并同时从中获利。但是，这个完美的假设并非总能实现。 “账面利润”或“可预见的保证回报（在没有任何形式的协议下）”永远不会是真正的利润。 实实在在的利润是当你把真的现金收入自己的囊中时才算的。你在做出任何涉及大笔资金的决定之前，你必须非常小心。这世界上不缺的是信口开河人的销售人员。他们对自己所承诺的事情毫不负责，他们关心的只有他们的销售目标和佣金。您做好功课，并准备好承担最坏情况的后果了吗？ 如果你仔细思考并做好了准备，那就去完成自己的心愿吧。 我相信你不会后悔，即使未来出现了你认为你可能更喜欢的处理骨灰新方式。
I hereby wishing you all the best.
我在这里真心祝福你一切美满。
我在这里真心祝福你一切美满。
