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1. Gary_M - Member 

   ...would your other half/family easily sort out your estate?

   Morbid subject and all that but this has been on my mind for a while. I deal with all the household and car stuff like insurance etc and my wife would have no idea who we're insured with for example, if I was incapacitated. Now that everything is paperless we generally don't have anything on file.

   When my dad died my mum didn't have a clue what was where (not that there was a lot - mostly debt and empty whisky bottles) and it was a bit of a hassle. It was a bit easier when my mum dies as I dealt with most things for her.

   Things are further complicated by the fact that I have a BTL property, a caravan and various bank/investment accounts - so its not that clear cut.

   So I created a document today that has details of every bank account, insurance policy, pension etc so that all the info is in one place. I intend to update as and when and keep it in an envelope at home.

   My wife thinks I'm being morbid, I think I'm being sensible. Anyway I feel better for doing it. Not sure why I'm telling anyone, but **** me I really am getting old

   Posted 22 minutes ago #
2. surfer - Member 

   Only talking to my wife about this yesterday. Same as you, just document account details and passwords etc.

   Posted 19 minutes ago #
3. DezB - Member 

   Estate? Lol.

   Had this chat with my advisor fella the other day actually. I have a son, who is my next of kin, so he'd get everything. And apparently could start doing what he wants with it.... I was advised to do a will. (And leave it all to my son )

   Posted 17 minutes ago #
4. Ming the Merciless - Member 

   FiL has a Death File. But he hasn’t told us where it is........

   Posted 17 minutes ago #
5. Gary_M - Member 

   Estate? Lol.

   Yes, that's what it's called, I don't have a country house or an 'adviser fella'.

   I have a son, who is my next of kin, so he'd get everything

   And I'm not talking about who gets what, I'm getting all the details in one place so it's easier for whoever deals with it.

   Posted 15 minutes ago #
6. binners - Member 

   I’ve said that my extensive collection of vintage Razzle are distributed around the forum regulars

   Who gets my bikes will be decided by gladiatorial combat amongst the same

   And that’s the lot

   Sorted!

   Posted 13 minutes ago #
7. GrahamS - Member 

   Mine is just a note saying "Clear my browser history and don't judge me"

   Posted 11 minutes ago #
8. frankconway - Member 

   Make a will; intestacy is best avoided and can be be both protracted and costly.

   Cross-reference your will to your 'death file' and vice versa.

   Posted 11 minutes ago #
9. Northwind - Member 

   My estate goes to my brother, he could do with a second car since he uses his work van for everything.

   LOL, etc.

   Otherwise- I have some informal notes, everything goes to my parents to do with what they will, they've a proven track record of reliability with this stuff from when my grandparents passed away. I've left a couple of specifics too. I don't own a house so it's fairly simple.

   As long as my dad hasn't died first anyway, as he's a former IFA and knows all the significant stuff already. Actually, if he dies I might be in trouble

   Now what has everyone done about their pornography collection and more embarassingly their bicycles?

   Posted 11 minutes ago #

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10. Gary_M - Member 

    Its not about a will and who gets what, that isn't my point.

    Posted 9 minutes ago #
11. DezB - Member 

    I'm getting all the details in one place so it's easier for whoever deals with it.

    Oh, I see... yes, my Aunt, who was quite well off, had a bank service which did this for her. My details (pensions, savings etc) are all with the financial advisor, so I guess they'd sort it. There'd just be the house aside from that.

    Posted 7 minutes ago #
12. pypdjl - Member 

    maybe you should write a will?

    Posted 6 minutes ago #
13. thisisnotaspoon - Member 

    Had a talk with the OH about it, the house (and life insurance) is setup to go straight to the survivor, we both deal with our own finances for stuff like cars so that's not an issue (beyond having to write to the DVLA).

    I've told her to just give my bikes to close friends if they want them on the proviso* they sort through the boxes of old tat and donate anything useable but of negligible value to charity and the good stuff to the local cycling club (which ebay's ex-members kit to pay youth's race entries). The MG goes back to my dad. Other than that there's just the household stuff.

    The only thing we'd probably struggle with is untangling pensions (I only have 1 of any value) and the odd investment (I think she has some premium bonds). Thankfully she's far more organised and has folders of this sort of stuff so it's not my problem

    *whilst they fight past my still warm body to get to the good stuff

    Now what has everyone done about their pornography collection and more embarassingly their bicycles?

    I've told her to burn my phone/laptop just in case I die too quickly to erase my history

    Posted 5 minutes ago #
14. tuskaloosa - Member 

    often thought about this never get around to doing anything about it, let alone a will.

    Mine is just a note saying "Clear my browser history and don't judge me"

    LOL

    Posted 5 minutes ago #
15. Drac - Moderator 

    All easily accessible as long as she chops my thumb off so it can be scanned.

    Posted 4 minutes ago #
16. Gary_M - Member 

    maybe you should write a will?

    Do you put house insurance renewal dates in a will?

    Posted 3 minutes ago #
17. muppetWrangler - Member 

    I have a will and I've told three people where my copy is kept and even if they didn't know it wouldn't take them long to find it. Along with the will is a list of bank details. I've not specifically listed the utility providers but I don't think that will be too much of a problem. There's not really anything else.

    Posted 1 minute ago #
18. whitestone - Member 

    Add social media accounts - FB et al. won't delete the account unless they have the password.

    Your bank accounts (not shared ones) get frozen/locked on your death and only released once probate is granted - well that's what happened with my dad which is the last one I had to deal with. I'm not sure what happens with direct debits and standing orders in that case, if you are paying the rent/council tax/car finance then unless you've a joint account those could be stopped as well.

    Posted 44 seconds ago #

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