Sombre and depressing maybe however neccessary

kefkat

kefkat

Vital Football Legend
Have you arranged your funeral yet?. Sounds awful doesn't it and so depressing.

We have just done ours online with the co-op on a set payment plan. There are various one's and you can also pay over whole of life, which brings the payments down to £30 ish a month for us each as we both in our 50's now.

Why do I bring this up?. We had the shock of our lives when Mom passed away in 2010. They always used to wait for all payments until an estate was sorted and settled. They don't now. Certain fees have to be paid up front. We were told we had to pay £900 up front all the funeral couldn't go ahead until we could, or else have a paupers funeral. Erm no! I don't think so. The upfront monies are for the crem/burial, Dr's fees, media announcements and miscellaneous.

The majority of people don't keep money in the house and when a person dies everything is frozen until the legalities are sorted so you can't get the monies against that.

We had to borrow the money from my Mom in Law, as we didn't have that kind of money lieing around at the time to use, of our own.

So I am just giving you all a pre-warning. Let's face it when you think it can't happen to you, we have only to turn on the news to see that the only certainly in life is our demise, when, where and how, is another matter, though are passing is guaranteed at some stage, and it isn't cheap.

We won't leave that worry for the youngsters. They know it is sorted now and it is 1 less worry for them when that times comes, though I have pre-warned we shall be a 100 before we go :14:
 
Oh and incase anyone is thinking maybe I can get it cheaper than that, maybe you could, however our minds were to go for the Co-Op because it is a well known nation wide company so the likelihood of it not being around in however many years time or/and no cover is extremely unlikely
 
I actually don't want religion any where near mine, I 've been to a couple of mates funerals, they weren't religious in the slightest, and there's the vicar talking about all this stuff from the Bible. I found it a bit tasteless tbh, using my friends' funeral to push their agenda, I know it's not what they would have wanted. I actually felt quite annoyed by it. No offense intended to anyone, just my own feelings.
 
I'm being burned to a cinder and am happy to go out in a cardboard box, in fact, if they want to throw me in the bin, buggered if I could care.
 
People that don't have wills and power of attorneys are mad by the way.

Got a great contact if anyone wants one.

I got mine all up to date in 2012 when I thought my time was perhaps coming, I'd got one before but it needed updates.

When Witton Lane died, it caused major problems for his dad to access this, that and the other whilst also having to deal with the sad loss of his son etc.

It is the kind and right thing to do for your family/loved ones.
 
I believe if its a joint account you can still access it ? I know my Dad had problems when my Mom died suddenly because he told them she had died rather than just moving the money .
I suggested he had an account with my sister to avoid complications when he goes . Not sure if they ever set one up
 
The Fear - 11/1/2015 15:23

People that don't have wills and power of attorneys are mad by the way.

Got a great contact if anyone wants one.

I got mine all up to date in 2012 when I thought my time was perhaps coming, I'd got one before but it needed updates.

When Witton Lane died, it caused major problems for his dad to access this, that and the other whilst also having to deal with the sad loss of his son etc.

It is the kind and right thing to do for your family/loved ones.
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JF is correct. You need a will, even if it is just a simple 1 that you draw up yourself with an will kit. Plenty of advice you can get on how to word it on the internet, if it straightforward enough.

My late Mom worked in legal and insurance, predominately legal all her life, so I also know that you must sort your affairs out properly cos has JF says it leaves loads of problems if you don't, for those left.

It is better to have a will drawn up properly by a legal firm though if your will is straightforward enough and you have enough knowledge there is nothing to stop you drawing up your own, which is what we have done.

I took the template of Mom's will and typed that up for both of us leaving our instructions and got witnesses to sign it. Our solicitor friend also checked it over to make sure it was O.K. Done!


All a big relief as don't have to worry about any of it anymore and can get on with life, knowing my eldest (who is executor) of our estate will have a simple enough job practically
 
Power of attorney is the key, I got mine totally sorted 2012 because I didn't want family or friends having to make the decisions on my life or even end of life, it's irresponsible to put that pressure on others.

For the relatively low amount it costs, they really should be drawn up by people trained in this area.

My contact brought up several issues I'd never even thought about.

People don't like doing it because it tempts fate and other such crap. Of course it doesn't, the one guaranteed fact of life is one day it will end.

I've not got a funeral plan purely because there is more than enough money in my estate to cover it.
 
I have a will but it's nearly 20 years ago I made it. I'm tempted to leave my body to medicial science
 
I said to my doctor I'm leaving my body to medical science.

He laughed and said they would send it back!!!


No Freeman, dnr's have no legal validity in UK. However doctors do take into account how active a life someone has etc. eg my mom's aunt was having heart attack after heart attack in hospital. The docs consulted with her family asking what sort of life did she have, house bound or active etc. The implication being they wouldn't have kept resuscitating if she hadn't got a decent standard of life.

power of attorney though gives clear instructions as to what your wishes are if you do lose faculties or if it ever got to the decision whether to keep a machine on or turn it off etc.
 
Yes JF is right re Power of Attorney or Lasting Power of Attorney has it is called now. We fortunately took LPOA 7 months before Mom was diagnosed with Alzheimer's Disease.

Mom was starting to get in a muddle with her finances and we came off holiday to a right mess to sort out, as she wouldn't tell us while we were away. It was then we tentatively suggested the LPOA.

Fortunately we did it before the diagnosis, as if we hadn't it would have been a nightmare as it would have cost thousands and we would have had to get it into court etc.

Mom was still mentally well enough to give permission as she had to sit with the legal people on her own to O.K it as it was explained to her. From working in legal it did help her understand easier. She was 82 then.

Because it had changed to The LPOA it meant we didn't have to go for a change when Mom was diagnosed.

 
The Fear - 11/1/2015 19:01

Power of attorney is the key, I got mine totally sorted 2012 because I didn't want family or friends having to make the decisions on my life or even end of life, it's irresponsible to put that pressure on others.

For the relatively low amount it costs, they really should be drawn up by people trained in this area.

My contact brought up several issues I'd never even thought about.

People don't like doing it because it tempts fate and other such crap. Of course it doesn't, the one guaranteed fact of life is one day it will end.

I've not got a funeral plan purely because there is more than enough money in my estate to cover it.
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There was plenty in Mom's estate too. We just couldn't get at it until the estate was sorted and the funeral directors had to have £900 up front, which we didn't have

That's why I have made this topic for those who don't know about it can think about sorting it out.

LPOA has to be made legally: You can not draw that up yourself
 
I know.

I meant wills should be done by those who know, not people guessing or using kits.

So important they should be right.
 
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