Series Part 2

Wills, now I know none of us really want to think about dying. Unfortunately, we can't make any deals to make our time on this earth last any longer. Eventually all of us are going to meet our Maker...... Who ever he/she might be!

One thing that we can do is help to elevate some of the problems our loved ones might face after our passing. One thing our wills help with is final arrangements. Do you want to be cremated or buried? Do you want to have a wake, do you want to be laid out, do you want a ceremony at the funeral home or at a church? Does your family know your favorite hymns? Now I know some of you are saying if they are your family then they should know these answers. I think your right, but some family's just don't discuss death.

To make a will you can find an attorney, get a computer program or use an online program to help you. Just a point of reference..... With an attorney, they can keep it safe and do updates when you need to make them.
The next thing you might want to cover is if you have small children who will take care of them, when your gone. Is is a spouse or a parent? Is there any money to help in their care? Do you want them to go to college? Are there any family secrets that they should know about? Here the sky is the limit, as to what you might want them to know. Are there any religious preferences?

Then there are your assets. How will they be divided? Who gets what? And who doesn't get anything? Again with this section the possibilities are endless. If you have an ex will they be included? If your unmarried will your partner be looked after?

Something else you should consider is who will you name as the executor of you will. This is the person that will help to make sure that your final wishes are fulfilled to the best of their ability.

Now that I have brought up this absolutely horrible topic.... I need to sit down with Grim and fill out the paperwork that we got from the life insurance company that will serve as a will for us. Then I think we will find a lawyer to keep the will in their safe keeping. If they won't do it then it will be a safety deposit box.

Gotta Run,
Yart

Not Dead But thought I might be.....

I know I haven't been around for a while. I have really didn't feel like writing..... I was going through some stuff. I guess the holidays were more stressful then I had thought. Then as we waited for Grims' doctors appointment I became terrified. I say terrified because I don't feel he is ready to go back to work. And if the doctor were to release him... then Grim goes back to work and gets hurt.... Work would not cover him, saying that he was in an auto accident and the insurance would not cover him because the doctor released him.... So it would have been a mess. Luckily, the doctor is keeping Grim off for another 6 weeks. But for me the damage was already done.

I ended up in emergency Wednesday night. I had pressure in my chest, I was feeling light headed, shaky, and I was scared I was having a heart attack. I got 2 E.K.G.'s, chest x-rays, baby aspirin and a really nasty tasting stuff to drink. No heart problems.... Yeah!!! But they did diagnose me with Esophagitis – acute. Basically, heart burn, burned my esophagus. So now I'm on pepcid ac and donnatal. I have an appointment to see my regular doctor on Tuesday. The ER doc suggested that I have a stress test just to rule out everything.... even though he saw nothing on the E.K.G or the x-rays.

So with all this mess having happened, I have a had a few thoughts of what needs to be done.... Simply I thought I was dying..... And what would my family do without me. Because of that I am going to start a series of the steps I'm going to take to make sure if something were to happen to me that they would no what to do. The first step is one that I was smart enough to take a few years ago. I got life insurance. It's not a huge amount but it will be enough to bury me and money leftover to take care of final expenses.

There are several types of life insurance.... Since I'm not an insurance salesperson, I will give you the information I find on-line. Wikipedia says there are Term, Whole, Universal, Limited-pay, Endowments & Accidental death. To find out more information you can go HERE and read the entire article. Now we all know we need to have some form of life insurance. But even if you can't afford it there are other important things that need to be done.
Here is a list of what this series is going to cover:
Wills

Important documents, like the kids immunization records

Where the bills are and how they get paid

How to grocery shop and keeping track of recipes

Making sure your family knows you love them, even after your gone

Getting a lawyer or a safety deposit box

Internet passwords and how to handle blogs, emails & yahoo groups

Plus whatever else I can think of.

Gotta Run,
Yart