Archive for November, 2010:
I finished my last batch of freezer meals, and whoosh, am I tired! Glad I got it done, though. I’m about out of freezer space for now. We have a few bags of frozen fruit for smoothies and once that’s gone, I *might* double a meal here and there, but I’m not making myself any promises.
Today, I made:
– Meatloaf balls (just a simple meatloaf recipe that I made into meatballs instead of a loaf so we could grab a few at a time)
– Chicken stuffing casserole x2. I precooked the chicken last night. This isn’t a recipe to write home about, but it’s better than PB&J for dinner!
– Cheesy manicotti with added spinach x2
– Mexican black bean layered bake thing x2 I was all cooked out today, so I ended up using one for dinner tonight instead of putting them both in the freezer. Oh well. (Manicotti and the layered thing recipes are from my friend Sally Ann)
These meals are joining:
– Sauce for bowtie pasta (with sausage, tomatoes and cream…mmmm!) x4
– Caribbean jerk chicken
– Browned ground beef x2
– Taco meat
– Creamy chicken casserole x2
For a total of 17ish meals (the ground beef isn’t a full meal obviously). Some of these things will make enough leftovers for the following day’s lunches.
I’ve also got a list of some quick and easy crockpot meals and things I can throw together without a whole lot of effort or thought.
I tackled these meals by doing a few at a time or doubling up on a recipe for that night’s dinner. Spreading it out made it much easier on me. If I tried to do all of this in one day, I’d surely end up with a sore body!
As far as Thanksgiving goes, we’re ordering in this year. I placed a reservation with a restaurant and they will have it all packaged up and ready for me to pick up on Thursday morning. I am really excited.
Shane and I met with an attorney to discuss creating our wills and a few other legal documents. The meeting took all of a half an hour, and it was mainly a conversation about who we’d want to take care of our children — the legal guardian of the person and guardian of the estate (the person who will handle the money).
He asked us some questions and we discussed different scenarios, and he’s going to draft up the documents for us to review.
We’ll look it over and have him make changes if we want, and then we’ll get it witnessed and notarized.
Seriously SO easy and I feel like a goober for putting it off so long.
I asked him what it would cost if we didn’t have Shane’s employer benefit, and he said it would be somewhere in the $250 range.
That might sound like a lot of money, but if you die without a will, that document could truly save your loved ones a ton of stress AND money.
Your estate would end up in probate and it’ll be a big headache for your family, plus there will be more legal costs and probably taxes then if you just went ahead and created a will.
You can use this calculator to find how your state would divide your estate if you died without a will. Some states tax heavier than others. Some will give portions to more random relatives than others. Go ahead, fiddle with it. The state *might* divvy it up the way you would, or it could give money to relatives you’d rather not include.
This page shows some states that have some crazy ways of doing things, for example:
In Arkansas, if you are married less than three years and never had a child, your spouse will share fifty percent of your intestate estate with living relations as distant as your third cousins thrice-removed and their issue.
[Wouldn’t you rather your spouse get more than 50%? What the heck is a third cousin thrice-removed, anyway? You’ll have all sorts of people coming out of the woodwork if you die in that state without a will!]
So you might think that if you died without a will, your spouse will get 100% of everything (assuming you didn’t have kids). But it will really depend on the state you lived in. Some states will do just that — but if you died with a surviving spouse and no children in Pennsylvania, your parents would receive a significant portion of your estate, too.
And if you have children, and you and your spouse die together — yikes. Who will care for your children? Don’t just think, “Oh, my sister will do it.” Unless you’ve expressed that in your will, any number of family members or friends could petition the court for this. And the court will decide.
Do you seriously want that for your children? Hopefully you will live to see your grandchildren and you’ll never need a legal guardian to step up for your kids, but why take that risk?
If you have two or more people who want to be guardian, that could create some ugly tension in the family when all the dust settles. Why do that to your family? And what if you’d prefer your best friend be the guardian over any of your relatives? Well, you’d better get that in your will, otherwise, it probably ain’t happenin.
Even if you don’t think you have any assets, you can’t predict the circumstances of your death. Someone who is killed in a car accident might be entitled to a large insurance claim that would then become part of the estate, for example, as it happened with Dee’s daughter (Dee commented on this post).
You are going to die. True story. And you probably won’t know when. But, you can know if you’ll die with a will, or without one. There is no good reason to die without a will.
Call a few attorney’s offices who specialize in estate planning and find out what it might cost you. Check and see if your employer offers a group legal plan that would lower your expenses. And then make your appointment and just do it.
If you’d like to read a great book explaining things to consider when creating wills and trusts, may I recommend A Parent’s Guide to Wills & Trusts* by Don Silver? I received this book as a review copy awhile back, and I’m keeping this on my bookshelf for reference for years to come.
It’s not a do-it-yourself guide (and really, I’m convinced that it’s worth the money to have someone do it for you, rather than doing a DIY will), but the book does a great job of clearly explaining aspects of wills in a way that anyone can understand. It will help you understand different scenarios and will give you ideas of questions to ask when you meet with an attorney.
So will you get it done already?