Estate Planning – You MUST Do These Things Before Getting Old!!!
Before you get too old. Do your kids a big big big favor and tell them a few simple things that will make life easier for them and yourself. Don’t wait until it is too late to take care of your finances. Start now!
After spending the last few weeks trying to help my husband sort through his elderly parent’s finances I have come to realize that we must take care of this stuff before we get old and not after. Countless calls to a lawyer and many grey hairs later I am ready to share with you my list of things that you should do before getting old.
~ Where your money is – What bank? Do you have more than one bank? Put their name on your accounts. (Yes, all of them!)
~ Who to contact for life insurance – Also, how much is the policy worth? Does it have a cash value in case you have medical expenses and your kids can draw against it?
~If you have long term care and who it is through – How much does the policy pay per day? Who do you contact in order to get it started? How long is the grace period?
~ Where your annuities are located – Put your kids name on the annunities and your IRA.
~ If you have CDs at the bank – How much are they worth and what bank.
~ Where your investments are and who to call to access them – Do you have more than one investment? Maybe stocks and bonds?
~ Where the car titles are and where the deed to the house is kept – Put your kid’s names on the title to the home as well as the car, boat, motorcycle, and that piece of land you bought and never got around to building on.
~ Write up your will and decide on a power of attorney and give a copy to the bank, your doctor, and lawyer.
~ Give your kids copies of your insurance cards along with doctor information.
~ Have a living will? You should!
Don’t leave your family to spend night after night trying to decipher what’s what in your life and where to go next for answers. You might not realize how much of a hassle all this can be but save your family the trouble. They are already going through you being sick or dead don’t let them do all this stuff too!!!!
I have had long hair for about 11 years. When I say long I mean all the way down to my butt long.
I would get it trimmed every once in a while but I hated cutting it.
One day my daughter and I were discussing front bangs and I told her how didn’t like them and would never get them.
Of course she had to disagree with me and started browsing through google and trying to find a photo of a woman with straight bangs that I would love.
Now she has this need to convince me that she is right and bangs are rockin’! After about 15 minutes of showing me photos she comes across one and I am immediately in love.
I look over at her and throw her phone back across the room to her waiting hand. Smiling I tell her to call our hair dresser because I am getting my first real hair cut in 11 years. Bangs even! She is more than over joyed!
So after making the appointment and posting on social media for 3 days about how I’m going to take the plunge the day arrives.
I woke up with my hair wrapped around my neck/head for the last time!
No more having to wake up and move my hair to roll over in the middle of the night! No more having to wear hair clips just to bend over and see something.
No more having to hold my head away from chairs and car seats because my hair is too long and I have to keep it up so I don’t sweat to death. No more split ends and not wanting to cut them off. No more hot neck. No more hot back! No more hot sweaty days simply because I didn’t bring a hair tie.
No more having to worry about my hair breaking or making sure I give it nutrients to grow long. No more expensive hair spray to hold a heavy long curl. No more having to use hot rollers twice just to get a curl to stay half the day. No more having to have a hair clip in the shower just to wash it all.
No more smacking people in the face with hair when I move it off my shoulders or when just sitting in a car. No more your hair takes up more room than you in the pool. OMGosh NO MORE LONG HAIR!
I was super excited and way overwhelmed all at the same time. Making such a big life change was CRAZY but I was tired of all that HAIR!