Are You Planning Ahead?

Are You Planning Ahead? -
This is a very personal item, but I feel I must share.
I've lost my little brother earlier. Chris was a financial advisor for the set (and entirely too short) his professional life, and he did what all counselors are: It has encouraged people to plan ahead and think about what happen if something happened to them. It was very successful, but I suspect that, like the doctor who made a terrible patient, it does not always have its own advice.
Oh, sure, he had life insurance, a plan (k) 401 and a college fund started for her young son, but there were many things he did not do. I'm sure he thought he had plenty of time to take care of the simple details. He did not do it. He was just 44 when he died
So, as a public service combination and a memorial to my brother, I propose that
First of all: If you .. do not have a will, you should. Even if you only use one of many simple wills available at your local dealer software do. If your needs are more complex than they can accommodate, call your lawyer today. It is absolutely worth the money. Oh, and make sure someone knows where it is!
Second, make a list of every insurance policy you own. Indicate the name of the insured, the nominal value, the policy number and other relevant details. In addition, describe how your survivors will be able to collect on the policy: the list the phone number for the claims department for each policy, and provide a general list of what needs to be submitted at the request
Sur. that list, provide your banking information: savings, checking and other accounts. Specify the name and location of the bank (s), number (s) account and a phone number for each establishment. As with the police information assurance, give a brief description of what your survivors will have to do to get the money.
Then, if you have your own financial adviser, lawyer, stockbroker, insurance agent, or any other type of counselor, list their names and contact information as well. These are the people who know where your assets are, and can help guide your survivors in a time of great distress, help the sake of "What will I do now?" Much less stressful.
the next part is really hard to read, write and speak with the people you love.
Have a conversation with your spouse / partner / significant other, your children and / or grandchildren about your thoughts on the end of your life. Do you want to be buried where? Do you already have a plot in the cemetery? Add the location and other information to your list. Would you prefer to be cremated? What do you want do with your ashes? do you want a particular type of religious service? Tell someone all these things, and make sure it is written somewhere, preferably in the same place as your will and lists described above.
Consider prearranged the end of your life. It is not fun or glamorous and it certainly is not pleasant to think, but make it easy for your family to continue to enjoy the life you have been able to provide for them.
I'm sure that by now you can guess all the things my brother did not. Maybe even more than wish him back with us, I wish he had taken his own advice. It would have been possible for his family to more easily deal with the loss of their husband and father if they are not to worry about what the future, especially the very near future their financial reserves.