2020++ - smiling and waving and looking so fine

savingholmes

Getting spare birth certificates also really helps your executor. I bought 2 last year when I realised I didn't know where any of mine are - but probably only had one in the first place. May also need extra marriage certificates if applicable. Also if you've ever done an expression of wish form for a pension company / life insurance - may be worth seeing if they need updating.

mark55man

Thanks SH good tips - we have all those, so I'm not going to get copies made.  

The expression of wish is a good point if anyone hasn't done them in their planning, as it means the money bypasses your estate although does leave its distribution to the pension trustees but they are usually bound by their rules to do what you ask.  I read recently that if your will replicates this expression of wish (or otherwise indicates what is to be done by your pension pot) then it brings it all back in play again. 

Largely (for me) it doesn't matter as the combined IHT is £650K excluding some allowance for you primary housing if I understand that, and I'm a long way off that in any case unless I do a DB to DC transfer, which I'm increasingly minded not to now I've got my health under control, and read more about the risks of losing (ie I have a growing appreciating the true value of) a long term fixed inflation protected benefit.

ohdearhowdidthathappen

Well done on the weight loss and your finances.
Agreed on the info for family about finances.  I've done the same, everything necessary in one folder and have told our executors where to find it.  Think they thought I was being a bit morbid, but you never know.  When my Dad died, my mum knew nothing about their finances and it was an absolute nightmare

mark55man

so completely randomly as I was just having my final coffee at work (from home) mid afternoon my surgery called and said if I wanted THE jab I could get it in the late session today.  As I may have been sufficiently plump in the past to cause myself health issues I was not going to say no! 

So I turned up, had the jab (AZ) from one of the practice Doctor's and was out the door in 5 minutes.  No side effects yet !!

savingholmes

So pleased for you. I really want them to hurry up and offer it me and DH. My world has become so small....

mark55man

I'm not so sure my world will open up until everyone else's does - as the guidance is very much carry on keeping safe.  I guess however in a few weeks possibly and after the second jab in a few months, I will rest easier in my skin.  Feel a bit bad for OH who wasn't asked, and could be waiting for a while yet although we are much of an age.

(PS SH - ordered your book, and will have a skim, but I read a lot at work, so I don't do a lot - hope you don't mind - I bought it for nothing rather than kindle unlimiting it).  Happy to do both if you tip me the wink  

savingholmes

KU - I would be paid. Not sure it will let you now though... thanks either way. 

doingitanyway

I like that you refer to your old self as 'sufficiently plump' lovely
Well done on the PayPal dispute. It is so easy to let these things go but £24 is a good sum to have back in your account. Maybe a Savvy Bonus?

mark55man

Thank you DIA Plump is a lovely word, even if not entirely positive.  I did toy with rubenesque, but I'm not a model and that word has become a little salubrious in context.  I think we can tell the decline of the word, by its use nowadays solely for turkeys at Christmas - and with my physique () I was never going to be the last turkey in the shop

Yes was pleased with the Paypal result, as it was one of those internet moments where all the free stuff had failed, and you just follow a recommendation to find out the paid for stuff is equally rubbish - and then you give up.  Indeed I have gone one further in my pursuit of Savvy Tax Rebate and actually returned all items I had bought for that project rather than trying to find an alternate use.  So that will be 3 figures coming back my way.  Out of the blue it comes to me that the opposite of Stupid Tax or Lazy Tax might be Angel Tax (Angel Rebate - certainly an Angel Delight in any case) 

doingitanyway

...Angel is good but we need another word for tax as tax is punitive?