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Really Cruddy Day
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<blockquote data-quote="Marcie Mac" data-source="post: 476782" data-attributes="member: 47"><p>Lisa, just throwing out an idea. I can call my bank anytime and get a bank balance any time on either mine or SO's account - as long as I have the account number and the last 4 digits of his SS number- there was no dealing with a live person. I also signed up on line with my mortgage company - I pay them thru my own bank, but have info on mortgage stuff at hand if I need it. </p><p></p><p>My aunt was taking care of my mothers bills. After my mother accused her of stealing her money, my aunt wanted OFF her account. I couldn't get added without going to OHIO and presenting an ID, and I coudn't open an account here for her without her going into MY bank and presenting an ID, so I set up on line banking with her bank (didn't need to talk to anyone - just needed address and SS number). I paid her bills from there - they never knew of the set up. And from there I could get past statements if I needed them (didn't) and could have the statements from then on delivered electronically.</p><p></p><p>I don't know how they work probate in Ohio, but here, without a will, it could take up to a year or more (and they collect taxes on the value of the house when it is settled, some kind of inheritance tax). I am going to put my house in the name of a Living Trust, with Jamie and myself as trustees - that way if something happens to me, he will take over as trustee, won't have to pay any probate taxes or having the house go thru probate.</p><p></p><p>With my mom passing this year, and his mom who has moved in but has spent more time in the hospital than she has out, SO and I have learned a lot, the hard way. His mom has been paying on a "funeral policy" for a few years - I think its like 37.00 a month, to cover her expenses when that time comes. Not an elaborate plan as she wants to be creamated, but we don't have to panic when the time comes, its all covered (with some money left over). Advance Care directives have been done, and I have a paper which names Jamie as having Power of Attorney in case something happens and I am unable to make financial decisions. Some of the paperwork can be done without an attorney - I went to Legal Zoom.com and signed up with them to get some of the paperwork so I could download it.</p><p></p><p>Marcie</p></blockquote><p></p>
[QUOTE="Marcie Mac, post: 476782, member: 47"] Lisa, just throwing out an idea. I can call my bank anytime and get a bank balance any time on either mine or SO's account - as long as I have the account number and the last 4 digits of his SS number- there was no dealing with a live person. I also signed up on line with my mortgage company - I pay them thru my own bank, but have info on mortgage stuff at hand if I need it. My aunt was taking care of my mothers bills. After my mother accused her of stealing her money, my aunt wanted OFF her account. I couldn't get added without going to OHIO and presenting an ID, and I coudn't open an account here for her without her going into MY bank and presenting an ID, so I set up on line banking with her bank (didn't need to talk to anyone - just needed address and SS number). I paid her bills from there - they never knew of the set up. And from there I could get past statements if I needed them (didn't) and could have the statements from then on delivered electronically. I don't know how they work probate in Ohio, but here, without a will, it could take up to a year or more (and they collect taxes on the value of the house when it is settled, some kind of inheritance tax). I am going to put my house in the name of a Living Trust, with Jamie and myself as trustees - that way if something happens to me, he will take over as trustee, won't have to pay any probate taxes or having the house go thru probate. With my mom passing this year, and his mom who has moved in but has spent more time in the hospital than she has out, SO and I have learned a lot, the hard way. His mom has been paying on a "funeral policy" for a few years - I think its like 37.00 a month, to cover her expenses when that time comes. Not an elaborate plan as she wants to be creamated, but we don't have to panic when the time comes, its all covered (with some money left over). Advance Care directives have been done, and I have a paper which names Jamie as having Power of Attorney in case something happens and I am unable to make financial decisions. Some of the paperwork can be done without an attorney - I went to Legal Zoom.com and signed up with them to get some of the paperwork so I could download it. Marcie [/QUOTE]
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