I’m 70 and have been in retirement since 2007 after being a surgeon for 29 years, and over those past 14 years, I have taken up hiking, swimming, traveling, and just completing my bucket list. Life’s good in retirement
Keep it up, we are getting younger , med-beds are coming, we are first generation that can live for ever, think what you really want to do in the next 200 years...
👍👍✌️ Glad to say we have a will. Was a while back should go in and take another look at it. Just copied all my passwords and sent to my daughter to add to her copy of the will.
The 2 biggest dangers in retirement according to Tina and Norm. 1. Dying without a will. 2. People you leave behind not having access to your passwords. Both excellent points.
Thanks for watching it’s strange but when you have a personal tragedy, makes you think 🤔 how important passwords are especially when you don’t tell anyone, have a great weekend Cheers 🍺🌺🍷
@@marg6196 It's actually been shown that viewers like to come back to channels that outline the summary either in the video description or comments section. Ideally viewers want to watch every video by the creator, but sometimes they simply don't have the time so it's nice to see a summary first, and decide later on whether or not to watch the full video. 🙂
My husband and I just updated our 25 year old wills. I also have a notebook with all the details and info of all insurance policies, life insurance, retirement, bank accounts, everything I could think of that my spouse or children will need, and yes online passwords. You two are such a cute couple. Love your videos!
Ahhhhh... the good old days. I was telling my daughter only yesterday about the wonderful times when there were no cell phones. no FB, no Instagram, etc. and no password onslaught. I have a love-hate relationship with our current technological times. Such wonderful advancements but I dislike immensely the amount of time in my life I have spent entering passwords, remembering passwords, recovering passwords..... you get the picture! lol! Thanks for your great videos!
So true! we are all quick to forget Connie that there was life before cell phones and FB , and everyone talked around the dinner table 🤔 thanks for your comment Cheers 🍷🌺🍺
Great advice. My beloved dad had only 9 days between his cancer diagnosis and his death. It would have really helped those of us left behind to have the passwords and account information handy. Thanks for tackling this sad but necessary topic.
I found this video helpful. 1. Have a will. 2. Make sure your partner knows where your passwords are.I like how you always keep a sense of humor in your videos. 😊 Much appreciation, Tina and Norm.
A friend of mine died many years ago suddenly at the age of 40. He had some investments, but left no information about them and his partner couldn’t find them. She even asked me if I knew anything about them. I didn’t sadly. I hadn’t thought about passing on the passwords to my social media accounts. That’s a very good point.
We had our will redone a couple years ago. We have a special needs son and have to be sure his needs are met after we are gone. It’s always best to be prepared because we never know how much time we have on earth.
Make sure you get a Power of Attorney as well as a will and state specifically what your wishes are for your son, by law they HAVE to follow your wishes. I paid £450 inc VAT and made my pal executor. Try to cut out the services of a Lawyer as they will take a huge whack out of money that would be best used on your Son, instead appoint a friend or a trusted family member.
@@andyhughes5885 we have done that 👍 our other son will be power of attorney & my niece will be conservator over his trust. It’s crazy how nothing is simple anymore.
Just found your channel! Your an enjoyable couple and also have lots of good info. for retired people. I put off getting a will....something about the finality of it. A few weeks ago I did complete it and feel relieved everything is now in place so my daughter doesn't have to deal with chaos after I'm gone. Keep up the good work.
Thank you thank you thank you for this great advice! My dad died suddenly this past November and may God Love HIM! He was so well prepared with all provisions laid out in a will and trust, and his office so completely beautifully organized and up-to-date with binders for each account and files for everything else that we are able simply to miss him. What a great example of how to do things. I am not prepared at all, my kids would be in trouble, but I won't leave it for long seeing how complex things can be and what a difference thorough end-of-life planning can make. Very good reminder Tina and Norm! Ok - yes, one thing: the passwords are a bear.
Wills are so important! Especially for twice married couples with children from previous relationships. Personal experience here, too. My father died intestate at 46 and my mother at 62 both were on their second marriages and their partners weren't the beneficiaries according to the law, my sister and I were. Personal information but we signed the money back to their spouses because we thought it was the right thing to do.
That’s very interesting but a nice for you and your sister to do, the shame about intestate is so much money 💰 goes to the government in taxes . Have a wonderful day Cheers 🍷🍁🍺
Great discussion. I have 4 older siblings and none of them have wills, yet they have children and spouses. I've had my will since I bought my first property at 31. The other thing to remember is that in the US at least, your named account beneficiaries supersede what you have in your will; so if your 401k beneficiary is your spouse, but your will leaves your 401k to children, your children get squat.
Very interesting and relevant subject...........I had several issues when my mother died in 2018, unfortunately she had not made a will (she had been suffering with vascular dementia, (often over-shadowed by Alzeimers) which is very agressive and happens very quickly).....so she was classed as incapable of making a will and it looked like we were going to have to go to court to apply for ''power of attorney'' but did not want to put my mother through any more than necessary, after a lot of discussions with a solicitor we finally got it sorted.....................there was no way I was going to let the government get their hands on a penny of her hard earned money...........great to see you guys giving this topic 'air' time on your channel it will bring it to the attention of a lot of people...............ATB........Stu......👍🍷🍺😊
Hi Stu, It is an area that gets put off so we felt it would be a good topic just to bring this up. We are sorry to hear about your Mum and thank goodness you were able to get the legalities worked out. Thanks for watching and have a good week. 🇬🇧🇨🇦🙏🍺
I just made a will for the first time a few months ago and it cost me only $25. I have all my passwords on a USB flash drive encrypted and in a safe. Only myself executor has the combination and encryption key. Sorry to hear about your brother Tina. I am 54 and I know I left it too long but now I feel a lot happier. Also name your beneficiaries for life insurance, RRSPs and TFSAs so they bypass probate.
Glad to hear that John congratulations on getting your will done. Thanks for mentioning about naming beneficiaries for other accounts, very practical advice.
I worry about recording passwords. Can flash drive deteriorate? Is your safe intended for fire-proofing? Is it possible the safe will go missing? Would a safety deposit box be better, or just inconvenient?
Having access to paswords is an important one - very good point. Having access to the phone is even more important, as most online services are requiring "Multi-factor" authentication. So you might have a password for an online service (banking, for instance), but then you won't be able to easily access that service also without open access to the departed's cell phone - so that you can receive the multi-factor authentication code sent to the phone.
I'm sorry to hear about your brother, Teena. This is a subject I'm all too familiar with not only as POA for a family member but professionally working for a financial firm. A Will gives a person the authority to act when you are gone. With planning, taxes owed can be reduced, assets transferred more smoothly, and there's also options like a living trust to protect yourself, your estate and even the heirs (eg spouse, kids, other dependents). It's worse if you don't die and instead lose capacity with no one trusted to look after you. Do it. Do it now. Thanks Teena & Norm for talking about this.
Excellent points. I made my first will when I retired early before my 53rd birthday. I need to revise it as I sold my townhome. My mother does not have a will and wants me to be her executor. I think it's time for updates. Thanks for the reminder.
Always fun to see you two and hear your comments. As we age , I think another VERY important thing to put in place is a Power of attorney...especially for making health decisions for a spouse if needed....and make sure your family is aware . A legal will takes care of the $$ aspects but that Power of Attorney for Health related -possibly used before a will.And on that cheerful note.....have a great weekend.
I'm in that high percent in the USA. Thanks for the push. I've talked to attorney's several times just never got them the details. Never even thought of the password conundrum. Thanks Tina for putting this out and Norm for going along. I'm glad it was Tina's fault. I even know which attorney I'm going to call. Thanks!
I love the content on your channel, Tina and Norm ! You always make me laugh with the humor you share. You definitely are RUclips Stars! Make it a great week. Looking forward to your next video. ❤️🤗
My husband and I are so inspired by the topics you cover in your channel. This topic is one of my favorites! Very sensible and takes very little effort to do, and yet taken for granted or simply not thought of by many. Thank you for another insightful video!
Excellent advice as usual. You guys are doing a great job. My big take away was passwords. I have over 30,000 family pictures and memories that would be completely inaccessible unless I get a plan in place. We’re in the middle of doing a new will. We have done most of the heavy lifting already - all the inputs. You reminded me it’s time to give him a nudge to review his progress on a draft. Thank you!!
Hi there, thanks for the reminder. In some US states you don’t even need a witness to your will just handwrite and sign and date. If bank will notarize for free even better. Idea for next topic is travel health insurance pros and cons especially now with Covid.
We have account numbers for our bank and investment accounts on a piece of paper stuck inside our will for our grown sons in the event of a tragedy. I told them this multiple times…hope they were listening lol. In the next few years we will be selling our home and renting adopting a similar lifestyle to both of you. My wife and I just watched your video,as we do every Saturday, and just discussed maybe we need a better plan after selling. Thanks for the videos…we enjoy them immensely!! 😁
You two just crack me up with your humour & obvious love, care & respect for each other! Your video is so timely - will prep is on my to-do list for the month. Some employer sponsored 401(k)s have tools to create a will or employee programs to access affordable attorney services for wills & estate planning. I have my passwords, usernames, account numbers, running balances listed in a small book “The RIP Book” so my family knows how to access any accounts I have in my name. I’m also going to make an extra house key for a trusted neighbor & cherished friend as my Mum does not drive any longer so it doesn’t make practical sense for her to have a key if she can’t get to my house quickly - before the tax man 😂😎🤑👍🏻
One more REALLY IMPORTANT point that is in this same vein. Have conversations with your spouse about your financial situation and where assets are. So often a spouse dies and the surviving spouse is clueless (happened to my mum). If you are single, then your executor, as you mentioned,
Having a will is mandatory. I don't have kids but my will has money going to family. Passwords is a good idea as well. The other thing is to have a detailed list of bank accounts and financial instruments. Generally one of the two spouses may be the primary financial person and the other may not be aware. So rather than them try to find assets it is all listed out. Good for executors as well.
I enjoy watching all your videos😉You don’t hear from me often,and that is because I usually watch you on my tv RUclips.I haven’t found a spot there to thank you for each and every video I watch . So here you go for now. Thank you thank You dozens of times. Love your information so lightheartedly given when possible. Sending this video to my son who has not made a will as of yet. Your the best.😉😉
Great video. Love your dry sense of humour (both of you), I guess I'm at a similar age (64). I'm a brit living in Latvia and I made my will a few years ago. It was one piece of paper and it cost me about €25. I filed it away safely, remembering to tell my partner where it is. I'm now thinking about going a stage further and making a video and some text for my partner to watch after I die. This will give her some ideas about how to tidy up the loose ends of my complicated technological life, as well as sorting out my finances. If I were her I wouldn't know where to start come the day.
Just buy one of those small "field book" thin notebooks. Use a page for each account with the particulars, then a list of passwords so you can cross out the old and write in the new as you change them. Or have two and update both and keep one stored as a backup. This is a great thing for your "bug-out bag" in case you must flee a disaster (fire, tornado, flood). Keep your backup copy in there.
Welldone and thanks. What is the best point for me, you are not selling insurances or whatever throughout your wise experiences. Which makes it so great!
Thanks for watching and your nice comment, we are just sharing our stories so it might help others think of ideas that will help them have a great retirement . Have a wonderful week Cheers 🍷🇨🇦🍺
Important stuff, though not at all the video I was expecting. When you said “dangers of retirement” I thought you meant things like accidentally falling overboard on a cruise ship, or maybe shuffleboard-related injuries. 😁
You always provide such value and raise good thought provoking questions and thoughts, I’ve been watching a long time fan, and it’s so nice your grandchildren and kids must be so proud!
My son died at age 33 in Feb, 2012. He had married the prior Oct. His mother/my ex was named to get his assets in his will. He did not get it changed after his marriage and mother got over 400k and his wife got nothing.
We are sorry for your loss. This stuff is so important especially when starting out with a family. Thanks for sharing, hopefully someone will learn from your experience.
I love the way you both talk to each other and have been a good team. This is so true. Banks in USA well witness and notarize for free. Also writing out what you want done if you get dementia like feeding tubes. Power of attorney. Very interesting everything you say.
Great conversation Tina and Norm , as an ex Insurance Broker life/disability and funding buy sell agreements . I have seen disaster to families left homeless due to not . All my children 40/42/46 all have wills . Yes something write something down, Staples $29 . Yup in the safe all passwords and copies of passports so on . To funny they have to inform you . Great topic close to my heart :) cheers 🥂 🍹🍾
Hey Tina and Norm! Great to see this video on the biggest dangers of retirement. Crazy to hear how many people have not set up a will or trust. What if you don't have a will but have beneficiaries for our investments and checking and savings accounts. You still need a will with that on your account? Too funny you guys with Tina trying to bump you off Norm LOL.. Nothing like couples humor and banter LOL.. Tina would miss you too much Norm. Funny what the bank lady was saying to you guys. Yes records of your passwords are very important to keep safe. Great video and love you guys to the moon and have a great weekend! 💖🌛
Having beneficiaries on accounts is a good first step but having a will guarantees that your wishes are carried out.Guess like my brother people think it won’t happen to them, Norm and I have a lot of fun 🤩 banter and humour with each other . Lovely to see you both have a great weekend Cheers 🍷🇺🇸🍺🇨🇦🤗
I think the reason people don't make a will is they think it's a morbid thing and they think they will live for ever! Oh by the way you guys don't look old enough to be retired! You both look so fresh!
it's comforting to me to see that you are managing a good quality of life in retirement and the details about sources of income and your expenditures (necessities and luxuries) provide a basis for me to gauge my planning. many thanks! I still haven't figured out how to keep my passwords - in a combination-locked safe maybe? or some manually encrypted scramble? I don't trust thumb drives. 🐘
Hello Friends, hard to believe we are now half-way through summer 2021... isn't it. Such good advise. Tina, you are so right, a written will is a small cost compared to even the smallest, most minute estate. So so important. I've been that person who had to deal with a will-less estate. Please, I implore you... make a will!
Hi Jen yes the summer is flying by it is so important to make a will so like yourself you aren’t left with a nightmare estate to tidy up .Hope you are well we are enjoying our time at the trailer although the weather doesn’t feel like middle of summer LOL 😂☕️🌺🇨🇦cool nights ! 🤗
Where there's a will there's a relative. Great advice amazes me that friends with huge estates use a cheap post office will and leave huge legal problems behind them.
Great topic also a POA for finance is critical a person can use that at a bank to gain access to accounts but they have 100% access/control... Choose wisely
🌼Thank you for this very safe advice. In 2009 my mom died with no Will and it was a mess; then my husband said the marriage was over. It too almost 3 years to resolve my mom’s estate, and in order to protect my inheritance from my now-ex (finally divorced in 2018), I had my Will made out. It cost me $1,100 for a lawyer, but it was worth it. I mostly wanted my future medical needs cared for, which my ex wouldn’t do. Please remember to note your medical and funeral issues, i.e. I didn’t want my only son to decide to ‘pull the plug’ so I put my sister in charge of that! The State my mom was in took 1/3 of the money, the bank who was in charge, took 1/3, so me and my three siblings lost a lot because Mom did not have a Will. I am in the USA - encourage your loved ones to protect themselves and you! Thank you Tina and Norm. I so enjoy your videos and all info you pass along. God bless-your friend Dee from Michigan 🥰🌹
In Scotland every September, solicitors waive their fees for writing wills. People that use this service give to charity instead. It's not an easy thing to do but once it's done you can push it to the back of your mind and carry on living!! How r u enjoying Summer in your bolthole? Would love an update on your covid situation there in Canada too. We had 2 long weekend breaks and it was lovely to get away from our area for a while. But.....it wasnt Algarve! A lot of friends and family are now starting to get tested and then fly. Then tested again to return. My inlaws are going to Lanzarote for 3 weeks in September. Slowly, slowly the world is reopening....would love to hear your thoughts? X
Hi Deborah interesting about the solicitors waving their fee , we are here today in our bolthole and it’s wonderful, it’s a long weekend so our son and family are here in their place too.We are like you not ready for reopening at all , this testing ,flying, testing again wearing 😷 masks isn’t our idea of travel so we will stay home till things improve hugely probably not till late 2022 or 2023 . Here in Canada lots of people have their second shot and things are slowly opening but we have a long way to go 😱 hope you are keeping well and having a nice weekend hugs 🤗🏴🍷🇨🇦🍺
Very good point! Thanks for the reminder. I've added them to my todo list now. Glad to have found your channel, I've learned a lot of new things. Been binge watching/listening while working 😛 I think you're a cute couple by the way! 😊
Good to see you both. Sorry to hear about your brother Tina. Wishing you both a lovely weekend. Take good care. Thanks a lot for the advice. 💖🏴🍺🍷
Great topic a will should be the bare minimum. We are creating a trust fund for our daughter and her children. A generational trust. All our life insurance, property, investments go into the trust. Then there is a constitution that states all family descendents have equal opportunities, not equal shares, to access the funds as long as they show they have set up the same type of indexed universal life insurance policies and have taken charge of their education and personal finances. Great point about passwords.
@@ThisIsOurRetirement wouldn't have known a fraction of this if we weren't picked up for our documentary. Doing a ton of research on this and about 75% finished
If your assets are not complicated, it is even cheaper to DIY. In the UK, a will kit from WH Smiths is about £20. The kit guides you through step by step.
Mind readers! This weekend I am walking around my living area sorting through box files of paperwork from a Superannuation (retirement) scheme, my records from a shop I owned for years, all paperwork from a challenging time with Australian pension people , plus recordsfrom my UK tax returns, property business in UK I ....it goes on and on. My record keeping was only so so half on paper half in files on my computer. Of course I have to deal with Will (recently updated but now needs changing), and all those log ins and passwords etc needing to be properly organised.........Thanks for the kick up the backside. I hope to get this done during the rest of this week. I am retired so do have time..
Thank you for sharing so important info I did not know that the witness to the Will should not be family or beneficiary😍 We might need even to let in the Will the wish to close to Facebook accounts
I would say consider a, lasting power of attorney. LPA for financial decisions and a LPA for health and care decisions. Of course to complement the will..
Remember the law is different in the U.S., Canada & the U.K. Best to get local legal advice. A good lawyer may not charge a senior person. @@ThisIsOurRetirement R
Great topic and so on point! Thanks for bringing up this difficult topic and making us have a good think and hopefully it will spur all of us "lollygaggers" into action!
Quite right to touch on the subject- I am one of those who 'must get around to that' sort of person! OK you've got me now! I'll get onto it 😂! My computer person, family friend, has the access to the codes- heaps younger ( even though that isn't a guarantee he'll survive me though). You've pricked my conscience. Well done! 🙏 🇳🇿 🙋♀️ 🇳🇱 happy weekend.
It is so easy to overlook these subjects, that’s why we thought we would shine a light on it lol Another one of those jobs to do in retirement. Smart move on having your passwords with someone else too. Hope you are having a very nice Sunday, it’s always good to hear from you. 😀😀🇨🇦
One big concern and worry is the appointment of an Executor or Joint Executors for your Will. Of course you must ask their consent to act as Executor(s), but, even then, when they are named in the Will, they may be SCARED at the amount of work involved and wish to be "removed". [True in my case!] Even if you, in addition to making the Will, provide a comprehensive list of passwords, accounts to be closed, websites to be advised, and so forth, it is still a huge and stressful task. Can an Executor give up part way through performing their duties? As for the job of disposing of furniture, vehicle(s), computers & other devices, family heirlooms, etc. With two or more beneficiaries, there is always the possibility of conflict. Do you just appoint all of them as Executors? What do you advise? Does appointment of a Bank or Lawyer/Solicitor to act as Executor eat into the capital more than a beneficiary would claim for the task? How much should an Executor be paid - and how long does the job typically take? When can you avoid Probate? Please, Norm and Tina, consider making a whole video on this subject!!!
Really useful thanks. I had never thought about the passwords'; i just assumed that lawyers would be able to get hold of them through the police or something.
We have had personal experience of this and it’s a lot worse than you think 🤔 trying to get someone’s passwords it’s virtually impossible thanks for watching have a great weekend Cheers 🍷🌺🍺
I’m 70 and have been in retirement since 2007 after being a surgeon for 29 years, and over those past 14 years, I have taken up hiking, swimming, traveling, and just completing my bucket list. Life’s good in retirement
That is awesome 👏 why did it take us all so long to know that life in retirement is fantastic have a great weekend Cheers 🍺🌺🍷
On my way to doing this, sounds awesome to me
Keep it up, we are getting younger , med-beds are coming, we are first generation that can live for ever, think what you really want to do in the next 200 years...
👍👍✌️ Glad to say we have a will. Was a while back should go in and take another look at it. Just copied all my passwords and sent to my daughter to add to her copy of the will.
The 2 biggest dangers in retirement according to Tina and Norm.
1. Dying without a will.
2. People you leave behind not having access to your passwords.
Both excellent points.
Thanks for watching it’s strange but when you have a personal tragedy, makes you think 🤔 how important passwords are especially when you don’t tell anyone, have a great weekend Cheers 🍺🌺🍷
Wont this summary encourage viewers to click out? Doesn't this hurt the creators?
@@marg6196 It's actually been shown that viewers like to come back to channels that outline the summary either in the video description or comments section. Ideally viewers want to watch every video by the creator, but sometimes they simply don't have the time so it's nice to see a summary first, and decide later on whether or not to watch the full video. 🙂
@@marg6196 Not necessarily. I still watch Tina and Norm's vlog even though somebody already summarized their points in the comment section.
My husband and I just updated our 25 year old wills. I also have a notebook with all the details and info of all insurance policies, life insurance, retirement, bank accounts, everything I could think of that my spouse or children will need, and yes online passwords. You two are such a cute couple. Love your videos!
Thanks so much for watching you sound very organized which is great have a great weekend 🌺🍷🙂
Ahhhhh... the good old days. I was telling my daughter only yesterday about the wonderful times when there were no cell phones. no FB, no Instagram, etc. and no password onslaught. I have a love-hate relationship with our current technological times. Such wonderful advancements but I dislike immensely the amount of time in my life I have spent entering passwords, remembering passwords, recovering passwords..... you get the picture! lol! Thanks for your great videos!
So true! we are all quick to forget Connie that there was life before cell phones and FB , and everyone talked around the dinner table 🤔 thanks for your comment Cheers 🍷🌺🍺
Great advice. My beloved dad had only 9 days between his cancer diagnosis and his death. It would have really helped those of us left behind to have the passwords and account information handy. Thanks for tackling this sad but necessary topic.
We are so sorry for your loss, partly that’s why we did this topic.
So sorry that you had such little time! Thanks for sharing your story. Take care, and all the best to you!❤️
Luv the dynamic between these two, such synergy. Takes a bit of time to make the point but they get there & with real charm.
Great advice!!! Sorry that Tina’s personal tragedy was a reason to share this sensible counsel 😢
Thanks for watching 🌺
I found this video helpful. 1. Have a will. 2. Make sure your partner knows where your passwords are.I like how you always keep a sense of humor in your videos. 😊 Much appreciation, Tina and Norm.
Thanks for watching glad you found it helpful, lots of people don’t like to talk about wills etc 🧐have a great weekend Cheers 🍷🇨🇦🍺
A friend of mine died many years ago suddenly at the age of 40. He had some investments, but left no information about them and his partner couldn’t find them. She even asked me if I knew anything about them. I didn’t sadly.
I hadn’t thought about passing on the passwords to my social media accounts. That’s a very good point.
Wow thanks for sharing a very sad 😢 story , we are sure this happens more times than we can imagine hope you are well have a great weekend Cheers 🍺🌺🍷
We had our will redone a couple years ago. We have a special needs son and have to be sure his needs are met after we are gone. It’s always best to be prepared because we never know how much time we have on earth.
That is very true so yes a lot better if you have plans in place , hope you are having a great weekend Cheers 🍺🇺🇸🍷🇨🇦
Make sure you get a Power of Attorney as well as a will and state specifically what your wishes are for your son, by law they HAVE to follow your wishes. I paid £450 inc VAT and made my pal executor. Try to cut out the services of a Lawyer as they will take a huge whack out of money that would be best used on your Son, instead appoint a friend or a trusted family member.
@@andyhughes5885 we have done that 👍 our other son will be power of attorney & my niece will be conservator over his trust. It’s crazy how nothing is simple anymore.
Just found your channel! Your an enjoyable couple and also have lots of good info. for retired people. I put off getting a will....something about the finality of it. A few weeks ago I did complete it and feel relieved everything is now in place so my daughter doesn't have to deal with chaos after I'm gone. Keep up the good work.
That is awesome! Congratulations on making a will. Thanks for watching.
Thank you thank you thank you for this great advice! My dad died suddenly this past November and may God Love HIM! He was so well prepared with all provisions laid out in a will and trust, and his office so completely beautifully organized and up-to-date with binders for each account and files for everything else that we are able simply to miss him. What a great example of how to do things. I am not prepared at all, my kids would be in trouble, but I won't leave it for long seeing how complex things can be and what a difference thorough end-of-life planning can make. Very good reminder Tina and Norm! Ok - yes, one thing: the passwords are a bear.
Thanks for sharing your story and to highlight how important it is to have a will have a great day Cheers 🍷🌺🙂
Wills are so important! Especially for twice married couples with children from previous relationships. Personal experience here, too. My father died intestate at 46 and my mother at 62 both were on their second marriages and their partners weren't the beneficiaries according to the law, my sister and I were. Personal information but we signed the money back to their spouses because we thought it was the right thing to do.
That’s very interesting but a nice for you and your sister to do, the shame about intestate is so much money 💰 goes to the government in taxes . Have a wonderful day Cheers 🍷🍁🍺
Working on my will with my lawyer currently. Once again sage advice Tina and Norm. ☺️
Perfect! thanks for watching have a wonderful weekend 🍷🙂
Great discussion. I have 4 older siblings and none of them have wills, yet they have children and spouses. I've had my will since I bought my first property at 31. The other thing to remember is that in the US at least, your named account beneficiaries supersede what you have in your will; so if your 401k beneficiary is your spouse, but your will leaves your 401k to children, your children get squat.
Wow very interesting thanks for sharing hope you have a wonderful weekend Cheers 🍺🇺🇸🍷🇨🇦🌺
Yes! The biggest problem there is forgetting to update beneficiaries and deceased or ex spouses ending up with money you intended for others!
This is a subject that people don’t like to talk about but it’s necessary.
That is so true 🌺
Very interesting and relevant subject...........I had several issues when my mother died in 2018, unfortunately she had not made a will (she had been suffering with vascular dementia, (often over-shadowed by Alzeimers) which is very agressive and happens very quickly).....so she was classed as incapable of making a will and it looked like we were going to have to go to court to apply for ''power of attorney'' but did not want to put my mother through any more than necessary, after a lot of discussions with a solicitor we finally got it sorted.....................there was no way I was going to let the government get their hands on a penny of her hard earned money...........great to see you guys giving this topic 'air' time on your channel it will bring it to the attention of a lot of people...............ATB........Stu......👍🍷🍺😊
Hi Stu, It is an area that gets put off so we felt it would be a good topic just to bring this up. We are sorry to hear about your Mum and thank goodness you were able to get the legalities worked out. Thanks for watching and have a good week. 🇬🇧🇨🇦🙏🍺
I just made a will for the first time a few months ago and it cost me only $25. I have all my passwords on a USB flash drive encrypted and in a safe. Only myself executor has the combination and encryption key. Sorry to hear about your brother Tina. I am 54 and I know I left it too long but now I feel a lot happier.
Also name your beneficiaries for life insurance, RRSPs and TFSAs so they bypass probate.
Glad to hear that John congratulations on getting your will done. Thanks for mentioning about naming beneficiaries for other accounts, very practical advice.
I worry about recording passwords. Can flash drive deteriorate? Is your safe intended for fire-proofing? Is it possible the safe will go missing? Would a safety deposit box be better, or just inconvenient?
You two are so great... I love your interaction and your low tech video style. Great work.
Thanks so much! 🌺
Having access to paswords is an important one - very good point. Having access to the phone is even more important, as most online services are requiring "Multi-factor" authentication. So you might have a password for an online service (banking, for instance), but then you won't be able to easily access that service also without open access to the departed's cell phone - so that you can receive the multi-factor authentication code sent to the phone.
All great points Brad thanks for sharing have a great week Cheers 🍺🙂
I'm sorry to hear about your brother, Teena. This is a subject I'm all too familiar with not only as POA for a family member but professionally working for a financial firm. A Will gives a person the authority to act when you are gone. With planning, taxes owed can be reduced, assets transferred more smoothly, and there's also options like a living trust to protect yourself, your estate and even the heirs (eg spouse, kids, other dependents). It's worse if you don't die and instead lose capacity with no one trusted to look after you. Do it. Do it now. Thanks Teena & Norm for talking about this.
We have done our wills and lpa's. So glad we did it its such a relief and doesnt take long to set up.
I am so happy that you and Norm made this you tube channel ! ❤
Thank you so much, that makes us very happy to know.
Excellent points. I made my first will when I retired early before my 53rd birthday. I need to revise it as I sold my townhome. My mother does not have a will and wants me to be her executor. I think it's time for updates. Thanks for the reminder.
Well said! it will be a lot easier Kimberly if you get your mother to do a will naming you as executor have a great weekend Cheers 🍷🌺🍺
Always fun to see you two and hear your comments. As we age , I think another VERY important thing to put in place is a Power of attorney...especially for making health decisions for a spouse if needed....and make sure your family is aware . A legal will takes care of the $$ aspects but that Power of Attorney for Health related -possibly used before a will.And on that cheerful note.....have a great weekend.
Great point thanks for sharing and yes POA for Health would kick in before a will needed so makes a lot of sense have a great weekend 🍺🌺🍷
Yes - and think about adding a DNR (Do Not Resuscitate) paragrapoh.
I'm in that high percent in the USA. Thanks for the push. I've talked to attorney's several times just never got them the details. Never even thought of the password conundrum. Thanks Tina for putting this out and Norm for going along. I'm glad it was Tina's fault. I even know which attorney I'm going to call. Thanks!
You are very welcome I (Tina ) am glad it was my fault LOL 😂😂hope your attorney gets that’s call have a great weekend Cheers 🍷🇺🇸🍺🇨🇦
I love the content on your channel, Tina and Norm ! You always make me laugh with the humor you share. You definitely are RUclips Stars! Make it a great week. Looking forward to your next video. ❤️🤗
Thanks so much we appreciate your support have a great weekend Cheers 🍷🙂🌺
Very important topic. A subject people don't want to talk about, so they put it off. You two did a great job. Take care!🍷🍷
Glad you enjoyed it! 🍻🥂
Loving all the information being shared. Totally love your videos.
Thanks so much! glad you enjoy them have a wonderful weekend Cheers 🍷🌸🍺
Great advice! Required conversation and action. Thanks for sharing!
Your welcome hope you have a great weekend 🍷🌺
I love watching retirement videos...I'm 21 years old 🤣
You have lots of time to plan LOL 😂😂enjoy your weekend 🙂
You lucky young fellow !
@@Dutchy-1168 oh yes a lifetime of struggles to look forward to...
Good to plan ahead! I wish I had more of this good information when I was in my 20s
You are smart! Plan now for a better life later... time flies quickly!
My husband and I are so inspired by the topics you cover in your channel. This topic is one of my favorites! Very sensible and takes very little effort to do, and yet taken for granted or simply not thought of by many. Thank you for another insightful video!
Wow, thank you! glad you enjoyed it have a wonderful weekend Cheers 🍺🌺🍷
Excellent advice as usual. You guys are doing a great job. My big take away was passwords. I have over 30,000 family pictures and memories that would be completely inaccessible unless I get a plan in place. We’re in the middle of doing a new will. We have done most of the heavy lifting already - all the inputs. You reminded me it’s time to give him a nudge to review his progress on a draft. Thank you!!
That is awesome! great suggestion about the photos have a wonderful weekend Cheers 🍺🍷🌺
Hi there, thanks for the reminder. In some US states you don’t even need a witness to your will just handwrite and sign and date. If bank will notarize for free even better. Idea for next topic is travel health insurance pros and cons especially now with Covid.
Thanks for the suggestion
We have account numbers for our bank and investment accounts on a piece of paper stuck inside our will for our grown sons in the event of a tragedy. I told them this multiple times…hope they were listening lol. In the next few years we will be selling our home and renting adopting a similar lifestyle to both of you. My wife and I just watched your video,as we do every Saturday, and just discussed maybe we need a better plan after selling. Thanks for the videos…we enjoy them immensely!! 😁
Thanks for watching we are glad you enjoy them we appreciate your support have a great weekend Cheers 🍺🍷🌺
You two just crack me up with your humour & obvious love, care & respect for each other! Your video is so timely - will prep is on my to-do list for the month. Some employer sponsored 401(k)s have tools to create a will or employee programs to access affordable attorney services for wills & estate planning. I have my passwords, usernames, account numbers, running balances listed in a small book “The RIP Book” so my family knows how to access any accounts I have in my name. I’m also going to make an extra house key for a trusted neighbor & cherished friend as my Mum does not drive any longer so it doesn’t make practical sense for her to have a key if she can’t get to my house quickly - before the tax man 😂😎🤑👍🏻
That’s awesome Mar sounds like you are very well organized which is wonderful have a wonderful day Cheers 🍷🌺🍺
Love you guys! I always learn something from your shows that makes our lives better!!
Thanks so much Annie have a wonderful week Cheers 🍷🌺🙂
One more REALLY IMPORTANT point that is in this same vein. Have conversations with your spouse about your financial situation and where assets are. So often a spouse dies and the surviving spouse is clueless (happened to my mum). If you are single, then your executor, as you mentioned,
Very true it is sad when one person knows nothing about the financial side in a joint relationship Cheers 🍷🇺🇸🍺🇨🇦
Another wonderful video really enjoyed it sledgehammered that like button stay safe awesome and blessed shared
Thanks for watching hope the family is well have a wonderful weekend Cheers 🍺🇺🇸🍷🇨🇦
Having a will is mandatory. I don't have kids but my will has money going to family. Passwords is a good idea as well. The other thing is to have a detailed list of bank accounts and financial instruments. Generally one of the two spouses may be the primary financial person and the other may not be aware. So rather than them try to find assets it is all listed out. Good for executors as well.
Thanks for your comment and watching have a great day 🌺
I enjoy watching all your videos😉You don’t hear from me often,and that is because I usually watch you on my tv RUclips.I haven’t found a spot there to thank you for each and every video I watch . So here you go for now. Thank you thank You dozens of times. Love your information so lightheartedly given when possible. Sending this video to my son who has not made a will as of yet. Your the best.😉😉
Thanks so much we are glad you enjoy our videos and we appreciate your support hope your son takes your advice have a wonderful weekend 🍷🌺🇨🇦🤗
Great video. Love your dry sense of humour (both of you), I guess I'm at a similar age (64). I'm a brit living in Latvia and I made my will a few years ago. It was one piece of paper and it cost me about €25. I filed it away safely, remembering to tell my partner where it is. I'm now thinking about going a stage further and making a video and some text for my partner to watch after I die. This will give her some ideas about how to tidy up the loose ends of my complicated technological life, as well as sorting out my finances. If I were her I wouldn't know where to start come the day.
Just buy one of those small "field book" thin notebooks. Use a page for each account with the particulars, then a list of passwords so you can cross out the old and write in the new as you change them. Or have two and update both and keep one stored as a backup. This is a great thing for your "bug-out bag" in case you must flee a disaster (fire, tornado, flood). Keep your backup copy in there.
Great idea thanks for sharing have a great weekend Cheers 🍷🌺🍺
Very important reminders for people of all ages. The password list is on my to-do list.
Thanks for watching that little password thing is huge ! have a great weekend Cheers 🍺🍷🌺
Welldone and thanks. What is the best point for me, you are not selling insurances or whatever throughout your wise experiences. Which makes it so great!
Thanks for watching and your nice comment, we are just sharing our stories so it might help others think of ideas that will help them have a great retirement . Have a wonderful week Cheers 🍷🇨🇦🍺
Important stuff, though not at all the video I was expecting. When you said “dangers of retirement” I thought you meant things like accidentally falling overboard on a cruise ship, or maybe shuffleboard-related injuries. 😁
Oh we have been caught out playing the RUclips hook 😂😂
You always provide such value and raise good thought provoking questions and thoughts, I’ve been watching a long time fan, and it’s so nice your grandchildren and kids must be so proud!
Thank you we really appreciate your support our granddaughter is very clever and gave us great advice for us on RUclips. Have a lovely weekend.
This is perhaps your most important episode.
Thank you we are glad you found it interesting Cheers 🇬🇧🍷🍺🇨🇦
Great video! I just updated my will last month and made a power of att. I really need a hard copy of my passwords ! Thanks!
Congratulations on updating the will, it is important.
Wow! 😮 Your good advice here is simply to die for!
Seriously though, a very important topic with some sobering insights! Thx amigo’s! 👍
Very good we enjoyed your comment 😂😂
My son died at age 33 in Feb, 2012. He had married the prior Oct. His mother/my ex was named to get his assets in his will. He did not get it changed after his marriage and mother got over 400k and his wife got nothing.
We are sorry for your loss. This stuff is so important especially when starting out with a family. Thanks for sharing, hopefully someone will learn from your experience.
Your so right I have to make a list of my passwords so my wife or executor will be able to access all my important websites and banking information.
Sounds like a great plan thanks for watching enjoy your weekend 🍷🌺🍺
Thanks to you guys, bought investment account today at local Wells Fargo bank! Thanks
Fantastic! have a great day Cheers 🍷🇺🇸🍺🇨🇦
I love the way you both talk to each other and have been a good team. This is so true. Banks in USA well witness and notarize for free. Also writing out what you want done if you get dementia like feeding tubes. Power of attorney. Very interesting everything you say.
Thanks for sharing that information have a wonderful weekend Cheers 🍷🌺🍺
Great conversation Tina and Norm , as an ex Insurance Broker life/disability and funding buy sell agreements .
I have seen disaster to families left homeless due to not . All my children 40/42/46 all have wills .
Yes something write something down, Staples $29 .
Yup in the safe all passwords and copies of passports so on .
To funny they have to inform you .
Great topic close to my heart :) cheers 🥂 🍹🍾
Great job on your children all having wills, such a smart move. Hope you are having a nice weekend 💕🍷💐
Norm and Tina , So great to hear more of retirement dangers hope you both are doing great and having a wonderful weekend. 👍487 👋😎
Thank you! You too! hope you are keeping well have a wonderful weekend Cheers 🍷🇺🇸🍺🇨🇦
Hey Tina and Norm! Great to see this video on the biggest dangers of retirement. Crazy to hear how many people have not set up a will or trust. What if you don't have a will but have beneficiaries for our investments and checking and savings accounts. You still need a will with that on your account? Too funny you guys with Tina trying to bump you off Norm LOL.. Nothing like couples humor and banter LOL.. Tina would miss you too much Norm. Funny what the bank lady was saying to you guys. Yes records of your passwords are very important to keep safe. Great video and love you guys to the moon and have a great weekend! 💖🌛
Having beneficiaries on accounts is a good first step but having a will guarantees that your wishes are carried out.Guess like my brother people think it won’t happen to them, Norm and I have a lot of fun 🤩 banter and humour with each other . Lovely to see you both have a great weekend Cheers 🍷🇺🇸🍺🇨🇦🤗
lol… watch that Tina, Norm. “trying to bump you off”… you crack me up.
thx for tips indeed!
I think the reason people don't make a will is they think it's a morbid thing and they think they will live for ever! Oh by the way you guys don't look old enough to be retired! You both look so fresh!
You are right, some people think it’s unlucky. Thank you for your kind comment we appreciate it.
it's comforting to me to see that you are managing a good quality of life in retirement and the details about sources of income and your expenditures (necessities and luxuries) provide a basis for me to gauge my planning. many thanks! I still haven't figured out how to keep my passwords - in a combination-locked safe maybe? or some manually encrypted scramble? I don't trust thumb drives. 🐘
Wow, thank you glad it’s helping with your planning another idea put passwords on a sheet of paper and put in a bank safety deposit box Cheers 🍺🌺
We paid 500.00 for a will and healthcare/ financial power of attorney. Don’t forget funeral arrangements.
Yes good point
Now it has become my habit to look for your video every Saturday! Thank you so much for sharing with us your thoughts and wisdom ❤️
You are so welcome! we are glad you enjoy watching 🌺
That is great, thank you so much, it's comments like yours that keep us doing these video. Thank you!
Hello Friends, hard to believe we are now half-way through summer 2021... isn't it. Such good advise. Tina, you are so right, a written will is a small cost compared to even the smallest, most minute estate.
So so important. I've been that person who had to deal with a will-less estate.
Please, I implore you... make a will!
Hi Jen yes the summer is flying by it is so important to make a will so like yourself you aren’t left with a nightmare estate to tidy up .Hope you are well we are enjoying our time at the trailer although the weather doesn’t feel like middle of summer LOL 😂☕️🌺🇨🇦cool nights ! 🤗
Where there's a will there's a relative. Great advice amazes me that friends with huge estates use a cheap post office will and leave huge legal problems behind them.
So true! thanks for your comment enjoy your weekend 🍷🌺🍺
Very happy and healthy New Year to you and yours!
Thank you and we wish you a very Happy New Year Cheers 🥳🥂
Great topic also a POA for finance is critical a person can use that at a bank to gain access to accounts but they have 100% access/control... Choose wisely
Great comment thank you
Easy said about passwords ‼️‼️‼️…but for me, they are a nightmare
Yes you are right and we hate it when websites get you to change them needlessly 😱more nightmares LOL 😂
Joint accounts are so helpful! I was on my mother’s account near the end of her life.
That's great! 🌺
🌼Thank you for this very safe advice. In 2009 my mom died with no Will and it was a mess; then my husband said the marriage was over. It too almost 3 years to resolve my mom’s estate, and in order to protect my inheritance from my now-ex (finally divorced in 2018), I had my Will made out. It cost me $1,100 for a lawyer, but it was worth it. I mostly wanted my future medical needs cared for, which my ex wouldn’t do. Please remember to note your medical and funeral issues, i.e. I didn’t want my only son to decide to ‘pull the plug’ so I put my sister in charge of that! The State my mom was in took 1/3 of the money, the bank who was in charge, took 1/3, so me and my three siblings lost a lot because Mom did not have a Will. I am in the USA - encourage your loved ones to protect themselves and you! Thank you Tina and Norm. I so enjoy your videos and all info you pass along. God bless-your friend Dee from Michigan 🥰🌹
Whoops, I meant “sage” advice!! 😀
Wow that’s quite the story 🌺thanks for sharing , we do appreciate your support have a lovely weekend 🍷🇺🇸🌺
Thanks for the helpful reminders!
You are so welcome! have a great week Cheers 🍷🌺🍺
In Scotland every September, solicitors waive their fees for writing wills. People that use this service give to charity instead. It's not an easy thing to do but once it's done you can push it to the back of your mind and carry on living!! How r u enjoying Summer in your bolthole? Would love an update on your covid situation there in Canada too. We had 2 long weekend breaks and it was lovely to get away from our area for a while. But.....it wasnt Algarve! A lot of friends and family are now starting to get tested and then fly. Then tested again to return. My inlaws are going to Lanzarote for 3 weeks in September. Slowly, slowly the world is reopening....would love to hear your thoughts? X
Hi Deborah interesting about the solicitors waving their fee , we are here today in our bolthole and it’s wonderful, it’s a long weekend so our son and family are here in their place too.We are like you not ready for reopening at all , this testing ,flying, testing again wearing 😷 masks isn’t our idea of travel so we will stay home till things improve hugely probably not till late 2022 or 2023 . Here in Canada lots of people have their second shot and things are slowly opening but we have a long way to go 😱 hope you are keeping well and having a nice weekend hugs 🤗🏴🍷🇨🇦🍺
Very good point! Thanks for the reminder. I've added them to my todo list now. Glad to have found your channel, I've learned a lot of new things. Been binge watching/listening while working 😛 I think you're a cute couple by the way! 😊
Awesome! Thank you! glad you found it helpful Halley we are glad you are enjoying our videos have a great week Cheers 🍷🌺🙂
Good to see you both. Sorry to hear about your brother Tina. Wishing you both a lovely weekend. Take good care. Thanks a lot for the advice. 💖🏴🍺🍷
Hi Carol, thanks for your message, it wouldn’t be Saturday without hearing from you 🏴🇨🇦🥂🍺🍷
Great topic a will should be the bare minimum. We are creating a trust fund for our daughter and her children. A generational trust. All our life insurance, property, investments go into the trust. Then there is a constitution that states all family descendents have equal opportunities, not equal shares, to access the funds as long as they show they have set up the same type of indexed universal life insurance policies and have taken charge of their education and personal finances. Great point about passwords.
Sounds like you are really prepared, yes don’t forget the passwords Cheers 🍺🌺🍷
@@ThisIsOurRetirement wouldn't have known a fraction of this if we weren't picked up for our documentary. Doing a ton of research on this and about 75% finished
Great to have you on our channel
@@ThisIsOurRetirement No, thank you.
If your assets are not complicated, it is even cheaper to DIY. In the UK, a will kit from WH Smiths is about £20. The kit guides you through step by step.
Great information thanks for sharing have a great weekend Cheers 🍷🇬🇧🍺🙂
Really good video & topic - thank you! I enjoy watching the both of you!
Glad you enjoyed it! we appreciate your support.
Absolutely fantastic video!!
Great tips and recommendations!!
Thanks so much!
Mind readers! This weekend I am walking around my living area sorting through box files of paperwork from a Superannuation (retirement) scheme, my records from a shop I owned for years, all paperwork from a challenging time with Australian pension people , plus recordsfrom my UK tax returns, property business in UK I ....it goes on and on. My record keeping was only so so half on paper half in files on my computer. Of course I have to deal with Will (recently updated but now needs changing), and all those log ins and passwords etc needing to be properly organised.........Thanks for the kick up the backside. I hope to get this done during the rest of this week. I am retired so do have time..
Your very welcome have a great Sunday 🍷🌺
Great topic Tina! Thanks for sharing...
You are so welcome! glad you enjoyed it have a great weekend 🍺🌺🍷
Solid advice...thank you for sharing.
Glad it was helpful! have a great Sunday 🍷🌺
So important!!! Thank you!
We have our will! Good topic.... its okay. ~ Brad and Diana
Thanks for dropping by great that you have your will, hope you are well have a great week 🍷🇺🇸🍺🇨🇦
I didnt think about passwords before. thanks for idea.
You're welcome 😊
Excellent idea Tina!
Thank you! 😊 hope it helps others realize some things you should really do have a wonderful weekend Cheers 🍷🌺🙂
Thank you for sharing your video .very interesting topic
Glad you enjoyed it have a great weekend 🍺🌺🍷
Thank you for sharing so important info
I did not know that the witness to the Will should not be family or beneficiary😍
We might need even to let in the Will the wish to close to Facebook accounts
Thanks for watching great idea to put in the will to close all your social media accounts have a great week 🍷🌺
Good advice 👍 one note that beneficiaries on insurance s and RRSP etc trump a will..it's critical to check all your documents
Great point thanks for sharing enjoy your weekend 🍷🌺🙂
Yes and it happens with all institutions that allow you specify a beneficiary, it’s a great point you made thanks. 👍👍
I would say consider a, lasting power of attorney. LPA for financial decisions and a LPA for health and care decisions. Of course to complement the will..
Good suggestions thanks for sharing 🍺🌺🍷
Remember the law is different in the U.S., Canada & the U.K. Best to get local legal advice. A good lawyer may not charge a senior person. @@ThisIsOurRetirement R
@@rogergregory7190 Great points thanks 🌺
great advise, but I have heard of many cases of people contesting a will and winning
Unfortunately for us it didn’t work!
Very nice, my friend. Big like ⚘👍
Thanks for the visit
Great topic and so on point! Thanks for bringing up this difficult topic and making us have a good think and hopefully it will spur all of us "lollygaggers" into action!
Absolutely!! it’s an area lots of people don’t like talking about but it’s so important so we hope you do it Cheers 🍺🇨🇦🍷
Quite right to touch on the subject- I am one of those who 'must get around to that' sort of person! OK you've got me now! I'll get onto it 😂! My computer person, family friend, has the access to the codes- heaps younger ( even though that isn't a guarantee he'll survive me though). You've pricked my conscience. Well done! 🙏 🇳🇿 🙋♀️ 🇳🇱 happy weekend.
It is so easy to overlook these subjects, that’s why we thought we would shine a light on it lol Another one of those jobs to do in retirement. Smart move on having your passwords with someone else too. Hope you are having a very nice Sunday, it’s always good to hear from you. 😀😀🇨🇦
Another excellent video 👏👏👏
Thank you so much ❤️
You are so welcome! glad you liked it have a great day 🍷🌺🙂
One big concern and worry is the appointment of an Executor or Joint Executors for your Will.
Of course you must ask their consent to act as Executor(s), but, even then, when they are named in the Will, they may be SCARED at the amount of work involved and wish to be "removed". [True in my case!]
Even if you, in addition to making the Will, provide a comprehensive list of passwords, accounts to be closed, websites to be advised, and so forth, it is still a huge and stressful task. Can an Executor give up part way through performing their duties?
As for the job of disposing of furniture, vehicle(s), computers & other devices, family heirlooms, etc.
With two or more beneficiaries, there is always the possibility of conflict. Do you just appoint all of them as Executors?
What do you advise? Does appointment of a Bank or Lawyer/Solicitor to act as Executor eat into the capital more than a beneficiary would claim for the task? How much should an Executor be paid - and how long does the job typically take? When can you avoid Probate? Please, Norm and Tina, consider making a whole video on this subject!!!
Thanks for the suggestion it’s a very difficult subject 🧐have a great weekend Cheers 🍷🌺🍺
I know! LoL ... Start it off simply and let the Comments speak with authority, eh?@@ThisIsOurRetirement
Thank you, very good point 👍
Glad it was helpful! hope you have a great weekend Cheers 🍷🌺🍺
Norm, we all need you! Just a topic needing discussion. Funny joke about the FB followers< NOT< at the funeral. Haha
It’s my job to keep things funny
Thanks for a very helpful video. One other topic for possible consideration / inclusion is that of Powers of Attorney.
Great suggestion!
We just got ours done to protect our boys from the hell of probate.
Good job, it’s important
Really useful thanks. I had never thought about the passwords'; i just assumed that lawyers would be able to get hold of them through the police or something.
We have had personal experience of this and it’s a lot worse than you think 🤔 trying to get someone’s passwords it’s virtually impossible thanks for watching have a great weekend Cheers 🍷🌺🍺