Page 154 - The Circle of Life

where it is. A safety box at your bank (for once we won't call them your worst

enemy) or even at your lawyers will do just fine. Update it all the time and do it
today. You don't know when God will call you home.

In your new will please ensure the correct passwords are available for your
social accounts (full names and links) so that it can be closed and deleted

afterwards. I had a widow in tears the other day in my office because she kept
seeing her dead husband on Skype for the computer logged in automatically. As

a relatively elderly woman she had no idea how to get rid of it and my IT guy
sorted it out for her.

Leave emergency cash in that box for all your accounts will be frozen by law the

moment the bank finds out you are departed. It takes a couple of days to a
week (I hope not more) before your insurance (life) policies are paid out.

Please make sure they pay into your beneficiary account and not to your estate
account which the executor will open. For once it is with the estate it will not be

paid over to your family for months if not years until the estate is wound up.
Yes, under Laws of Estate it is possible to make payments to the remaining

spouse and children but most executors (especially if they are salaried
employees of your worst enemy) will find this process much too much hard work

and difficult. There is no need to take chances with them. This is another reason
to have a Trust which is not affected by your death.

You must understand when you die cash is needed to bury you. Yes you may

have a funeral plan and in fact you should have one but it is often outdated and
not enough. Update it please. At this point I must ask you to disclose to your

wife what to do with your remains and don't be silly as some say "leave me
where I die or let the lions eat me." That is not only rude but a stupid answer

showing you are an idiot. We want to know if you want to be buried or cremated
and where specifically. For health reasons if not public morals you cannot be left

where you died!

If your spouse died in a hospital they will keep the body at the hospital morgue
until you fetch it meaning your undertaker. They will also give you the death
certificate. It is where unnatural death occurs as described above at the police

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