| HOW TO BE PREPARED IF A SPOUSE SUDDENLY DIES.VERY USEFUL PLEASE READ AND PASS
IT ON TO ALL YOUR FRIENDS.
NEVER TAKE LIFE FOR GRANTED DO THINGS APPROPRIATE FOR THE ONES WHO DEPEND ON
YOU WITH LOVE. NOTE: THIS IS A REAL INCIDENT AND NOT JUST A FORWARD THIS
IS.VERY USEFUL PL READ AND PASS IT ON TO ALL YOUR FRIENDS
TO ALL MY DEAR FRIENDS
Pls waste / use another 15 mins to read this - not a professional update but
more important than that............. Letter written by a wife after her
husband's death in an accident
"Few things I learnt after my husband's death:-We always believe we will live
forever. Bad things always happen to others.Only when things hit us bang on
your head you realise... Life is so unpredictable...My husband was an IT guy,
All technical. And I am a chartered accountant.
Awesome combination you may think. Techie guy so everything is on his laptop.
His to do list. His e-bill and his bank statements in his email. He even
maintained a folder which said IMPWDS wherein he stored all login id and
passwords for all his online accounts. And even his laptop had a password.
Techie guy so all the passwords were alpha-numeric with a special character not
an easy one to crack. Office policy said passwords needed to be changed every
30 days. So every time I accessed his laptop I would realize it's a new
password again. I would simply opt for asking him 'What's the latest password
instead of taking the strain to memorize it. You may think me being a Chartered
Accountant would means everything is documented and filed properly. Alas many
of my chartered accountant friends would agree that the precision we follow
with our office documents and papers do not flow in to day to day home life. At
office you have be epitome of Reliability / Competent / Diligent etc but. At
home front there is always a tomorrow. One fine morning my hubby expired in a
bike accident on his way home from office.. He was just 33. His laptop with all
his data crashed. Everything on his hard disk wiped off. No folder of IMPWDS to
refer back to. His mobile with all the numbers on it was smashed. But that was
just the beginning. I realised I had lot to learn.9 years married to one of the
best human beings with no kids just the two of us to fall back on but now I
stood all alone and lost. Being chartered accountant helped in more ways than
one but it was not enough. I needed help. His saving bank accounts, his salary
bank accounts had no nominee. On his insurance his mom was the nominee and it
was almost 2 years back she had expired. But this was just a start. I didn't
know the password to his email account where all his e-bill came. I didn't know
which expenses he paid by standing instructions. His office front too was not
easy. His department had changed recently. I didn't know his reporting boss
name to start with when had he last claimed his shift allowance, his mobile
reimbursement.
The house we bought with all the excitement on a loan thought with our joint
salary we could afford the EMI. when the home loans guys suggested insurance
on the loan, we decided the instead of paying the premium the difference in the
EMI on account of the insurance could be used pay towards prepayment of the
loan and get the tenure down. We never thought what we would do if we have to
live on a single salary. So now there was huge EMI to look into .
I realised I was in for a long haul. Road accident case. So everywhere I needed
a Death certificate, FIR report, Post Mortem report. For everything there were
forms running into pages indemnity bonds, notary, surety to stand up for you.
No objections certificates from your co-heirs.
I learnt other than your house, your land, Your car, your bike are also your
property. So what if you are the joint owner of the flat you don't become the
owner just because your hubby is no more. So what if your hubby expired in the
bike accident and you are the nominee but if the bike is in a repairable
condition .you have to get the bike transferred in your name to claim the
insurance. And that was again not easy. The bike or car cannot be transferred
in your name without going through a set of legal documents. Getting a
Succession Certificate is another battle all together. Then came the time you
realise now you have to start changing all the bills, assets in your name. Your
gas connection, electricity meter, your own house, your car, your investments
and all sundries. And then change all the nominations where your own
investments are concerned. And again a start of a new set of paperwork. To say
I was shaken my whole life had just turned upside down was an understatement.
You realise you don't have time to morn and grieve for the person with whom you
spend the best years of your life. Because you are busy sorting all the paper
work.I realised then how much I took life for granted. I thought being a
chartered accountant I am undergoing so many difficulties, what would have
happened to someone who was house maker who wouldn't understand this legal
hotchpotch. A sweet friend then told me dear this was not an end, you have no
kids, your assets will be for all who stand to claim. After my hubby's sudden
death. I realised it was time I took life more seriously. I now needed to make
a Will. I would have laughed if a few months back if he had asked me to make
one. But now life had taken a twist. Lessons learnt this hard way were meant to
be shared. After all why should the people whom we love the most suffer after
we are no more. Sorting some paperwork before we go will at least ease some of
their grief. 1. Check all your nominations...
It's a usual practice to put a name (i.e in the first place if you have
mentioned it) and royally forget about it. Most of us have named our parent as
a nominee for investments, bank accounts opened before marriage. We have not
changed the same even years after they are no longer there with us. Even your
salary account usually has no nomination.. Kindly check all your Nominations.
- Bank Accounts
- Fixed Deposits, NSC
- Bank Lockers
- Demat Accounts
- Insurance (Life, Bike or Car or Property)
- Investments
- PF Pension Forms 2. Passwords..
We have passwords for practically everything. Email accounts, Bank accounts,
even for the laptop you use. What happens when your next in kin cannot access
any of these simply because they do not know your password... Put it down on a
paper.
3. Investments.
Every year for tax purpose we do investments. Do we maintain a excel sheet
about it. If so is it on the same laptop of which the password you had not
shared. Where are those physical investments hard copy. 4. Will.
Make a Will. I know you will smile even I would had I not gone through all what
I did. It would have made my life lot easier a lot less paperwork. I wouldn't
had to provide an indemnity bond, get it notarised, ask surety to stand up, no
objections certificates from others... 5. Liabilities.
When you take a loan say for your house or car. Check out on all the what if,
what if I am not there tomorrow, what if I loose my job. Will the EMI still be
within my range. If not get an insurance on the loan. The people left behind
will not have to worry on something as basic as their own house.
My battles have just begun... But let us at least try and make few changes so
that our loved ones would not suffer after we go. We do not know what will
happen in the future. But as the Scout motto goes: Be prepared "
NEVER TAKE LIFE FOR GRANTED DO THINGS APPROPRIATE FOR THE ONES WHO DEPEND ON
YOU WITH LOVE.
|
__._,_.___
#yiv1049222366 #yiv1049222366 -- #yiv1049222366ygrp-mkp {border:1px solid
#d8d8d8;font-family:Arial;margin:10px 0;padding:0 10px;}#yiv1049222366
#yiv1049222366ygrp-mkp hr {border:1px solid #d8d8d8;}#yiv1049222366
#yiv1049222366ygrp-mkp #yiv1049222366hd
{color:#628c2a;font-size:85%;font-weight:700;line-height:122%;margin:10px
0;}#yiv1049222366 #yiv1049222366ygrp-mkp #yiv1049222366ads
{margin-bottom:10px;}#yiv1049222366 #yiv1049222366ygrp-mkp .yiv1049222366ad
{padding:0 0;}#yiv1049222366 #yiv1049222366ygrp-mkp .yiv1049222366ad p
{margin:0;}#yiv1049222366 #yiv1049222366ygrp-mkp .yiv1049222366ad a
{color:#0000ff;text-decoration:none;}#yiv1049222366 #yiv1049222366ygrp-sponsor
#yiv1049222366ygrp-lc {font-family:Arial;}#yiv1049222366
#yiv1049222366ygrp-sponsor #yiv1049222366ygrp-lc #yiv1049222366hd {margin:10px
0px;font-weight:700;font-size:78%;line-height:122%;}#yiv1049222366
#yiv1049222366ygrp-sponsor #yiv1049222366ygrp-lc .yiv1049222366ad
{margin-bottom:10px;padding:0 0;}#yiv1049222366 #yiv1049222366actions
{font-family:Verdana;font-size:11px;padding:10px 0;}#yiv1049222366
#yiv1049222366activity
{background-color:#e0ecee;float:left;font-family:Verdana;font-size:10px;padding:10px;}#yiv1049222366
#yiv1049222366activity span {font-weight:700;}#yiv1049222366
#yiv1049222366activity span:first-child
{text-transform:uppercase;}#yiv1049222366 #yiv1049222366activity span a
{color:#5085b6;text-decoration:none;}#yiv1049222366 #yiv1049222366activity span
span {color:#ff7900;}#yiv1049222366 #yiv1049222366activity span
.yiv1049222366underline {text-decoration:underline;}#yiv1049222366
.yiv1049222366attach
{clear:both;display:table;font-family:Arial;font-size:12px;padding:10px
0;width:400px;}#yiv1049222366 .yiv1049222366attach div a
{text-decoration:none;}#yiv1049222366 .yiv1049222366attach img
{border:none;padding-right:5px;}#yiv1049222366 .yiv1049222366attach label
{display:block;margin-bottom:5px;}#yiv1049222366 .yiv1049222366attach label a
{text-decoration:none;}#yiv1049222366 blockquote {margin:0 0 0
4px;}#yiv1049222366 .yiv1049222366bold
{font-family:Arial;font-size:13px;font-weight:700;}#yiv1049222366
.yiv1049222366bold a {text-decoration:none;}#yiv1049222366 dd.yiv1049222366last
p a {font-family:Verdana;font-weight:700;}#yiv1049222366 dd.yiv1049222366last p
span {margin-right:10px;font-family:Verdana;font-weight:700;}#yiv1049222366
dd.yiv1049222366last p span.yiv1049222366yshortcuts
{margin-right:0;}#yiv1049222366 div.yiv1049222366attach-table div div a
{text-decoration:none;}#yiv1049222366 div.yiv1049222366attach-table
{width:400px;}#yiv1049222366 div.yiv1049222366file-title a, #yiv1049222366
div.yiv1049222366file-title a:active, #yiv1049222366
div.yiv1049222366file-title a:hover, #yiv1049222366 div.yiv1049222366file-title
a:visited {text-decoration:none;}#yiv1049222366 div.yiv1049222366photo-title a,
#yiv1049222366 div.yiv1049222366photo-title a:active, #yiv1049222366
div.yiv1049222366photo-title a:hover, #yiv1049222366
div.yiv1049222366photo-title a:visited {text-decoration:none;}#yiv1049222366
div#yiv1049222366ygrp-mlmsg #yiv1049222366ygrp-msg p a
span.yiv1049222366yshortcuts
{font-family:Verdana;font-size:10px;font-weight:normal;}#yiv1049222366
.yiv1049222366green {color:#628c2a;}#yiv1049222366 .yiv1049222366MsoNormal
{margin:0 0 0 0;}#yiv1049222366 o {font-size:0;}#yiv1049222366
#yiv1049222366photos div {float:left;width:72px;}#yiv1049222366
#yiv1049222366photos div div {border:1px solid
#666666;height:62px;overflow:hidden;width:62px;}#yiv1049222366
#yiv1049222366photos div label
{color:#666666;font-size:10px;overflow:hidden;text-align:center;white-space:nowrap;width:64px;}#yiv1049222366
#yiv1049222366reco-category {font-size:77%;}#yiv1049222366
#yiv1049222366reco-desc {font-size:77%;}#yiv1049222366 .yiv1049222366replbq
{margin:4px;}#yiv1049222366 #yiv1049222366ygrp-actbar div a:first-child
{margin-right:2px;padding-right:5px;}#yiv1049222366 #yiv1049222366ygrp-mlmsg
{font-size:13px;font-family:Arial, helvetica, clean, sans-serif;}#yiv1049222366
#yiv1049222366ygrp-mlmsg table {font-size:inherit;font:100%;}#yiv1049222366
#yiv1049222366ygrp-mlmsg select, #yiv1049222366 input, #yiv1049222366 textarea
{font:99% Arial, Helvetica, clean, sans-serif;}#yiv1049222366
#yiv1049222366ygrp-mlmsg pre, #yiv1049222366 code {font:115%
monospace;}#yiv1049222366 #yiv1049222366ygrp-mlmsg *
{line-height:1.22em;}#yiv1049222366 #yiv1049222366ygrp-mlmsg #yiv1049222366logo
{padding-bottom:10px;}#yiv1049222366 #yiv1049222366ygrp-msg p a
{font-family:Verdana;}#yiv1049222366 #yiv1049222366ygrp-msg
p#yiv1049222366attach-count span {color:#1E66AE;font-weight:700;}#yiv1049222366
#yiv1049222366ygrp-reco #yiv1049222366reco-head
{color:#ff7900;font-weight:700;}#yiv1049222366 #yiv1049222366ygrp-reco
{margin-bottom:20px;padding:0px;}#yiv1049222366 #yiv1049222366ygrp-sponsor
#yiv1049222366ov li a {font-size:130%;text-decoration:none;}#yiv1049222366
#yiv1049222366ygrp-sponsor #yiv1049222366ov li
{font-size:77%;list-style-type:square;padding:6px 0;}#yiv1049222366
#yiv1049222366ygrp-sponsor #yiv1049222366ov ul {margin:0;padding:0 0 0
8px;}#yiv1049222366 #yiv1049222366ygrp-text
{font-family:Georgia;}#yiv1049222366 #yiv1049222366ygrp-text p {margin:0 0 1em
0;}#yiv1049222366 #yiv1049222366ygrp-text tt {font-size:120%;}#yiv1049222366
#yiv1049222366ygrp-vital ul li:last-child {border-right:none
!important;}#yiv1049222366
--
You received this message because you are subscribed to the Google Groups
"Thatha_Patty" group.
To unsubscribe from this group and stop receiving emails from it, send an email
to [email protected].
For more options, visit https://groups.google.com/d/optout.
