Protect Your Loved Ones In A Will

If you don’t construct a will, then who concludes who acquires what? It will not go the way you would have intended. To ensure your preferences are followed, you should to construct a last will and testament.

If you perish without making a will it’s the state that dictates how your assets is distributed. The intestacy rules are applied and it may not be how you will have expected or wanted.

If you are legally married or have a civil partner but no children and your belongings is worth a specific amount or less then your legal partner would get the entirety of the assets including any life insurance cover . If the assets is valued at more than this amount and you have existing relatives, your partner will still get this amount, in addition to half of the surplus. There exists an order in which family will inherit, with existing parents being at the start of the list, followed by brothers and sisters and so on.

If you have a civil partner and children then your spouse will gain the set amount as above and 50% of the surplus. The descendants would inherit half of the amount over the threshold right away and the other 50% on the passing of your spouse.

If you have children but no legal spouse, then your children would share the inheritance. This could not be at all what you’d have hoped. You might have a companion who depends on you and who you might have intended to obtain at least a proportion of your property, who would get nothing.

To avoid all possible worry about your property, however straightforward it may appear, it would be prudent to make a last will and testament. There are many ways to do this. You may build it yourself or hire a trained will writer or a solicitor.

Many people write their own will, mostly using a form which you can acquire from the post office. Caution is advised if you proceed along this path – it’s deceptively easy to make an error and you could potentially find it void. The cost of having a will drawn up, particularly a comparatively simple one, is not restrictive and you can be assured that your intentions will be carried out.

A professional will writer or a solicitor will be experienced with handling all forms of queries and will be able to help you. There could be enquiries about starting trusts and maybe inheritance tax.
Having drawn up your last will and testament, it’s a sensible decision to inspect it periodically, as circumstances change. If you resolve to alter it, then it is prudent to revoke your existing one and have it remade. If the changes are small, it may be easier to write a codicil to make a section of the last will and testament and to be read in partnership with it. Any codicil will have to be made in the same fashion as the will in relevance signatures and witnesses.

Please be aware that any health insurance will terminate on the death of the will holder and no value will be attributed to It in the will.

Nightmares of the water type

What a time I’ve had lately it all started out with a problem with my tap leaking well in any case I attempted to find a localised plumber in the localised telephone directory – who would surface within a week no luck there In Any Case I resolved to do a search on google for Newcastle Plumbers. Hit gold with that one there they where on-line .Anyhow I used the contact form and inside of about 10 minutes I took a telephone call to set up an appointment .That’s what I call service.To cut a long story short they came out the very day and where rather a bit cheaper than the firm who could not get to me for about a week.

Not long after the original problem was solved don’t I get a telephone call from a acquaintance alleging somebody has crashed into his motorcar from behind and are abnegating any responsibleness. Not quite certain how that goes as they clearly drove into his motorcar. Well hot on my winner with google and the phantom plumbers don’t I get online and go looking for a Solicitor in Newcastle  for him. Merely on the off chance that his insurance policy has some microscopic little clause about legal costs who knows?

On a brighter note somebody I know has determined to spend some of their redundancy on buying a sandwitch delivery business concern. Not really sure if they have done as much research as they should ahead of going for it .I have told them that they want a Accountant in Newcastle to look at the records as these people recognise exactly what they are looking at. For the price it could well save him thousands if the business concern is going to fold or with a bit of luck the accountant will turn around and say that it seems like a paying business go for it.

So all in all the last few weeks have been quite eventful around here. Looking ahead to a few smooth weeks now with no more leaks or telephone calls about car accidents.

International Removals Checklist

International Removals Checklist:

Countdown to moving day!

When you’re moving home internationally there seems to be an endless list of things to think about and organise, even with an effecient removals company. Here’s a helpful list to remind you.

5-6 weeks before moving:
• Check that your passports and visas are valid
• Check whether any permits are required e.g. for residency, work or vehicles
• Check your travel documents and tickets
• Collate all your personal documents e.g. birth certificates, marriage certificates and medical records
• Advise your solicitor, bank, doctor, dentist, insurance company, building society
• Cancel subscriptions to clubs and magazines
• Notify Schools
• Obtain invoices for new purchases (for customs import facilities)

3-4 weeks before:
• Complete the insurance form
• Dispose of the items you don’t want to ship
• Supply a contact number in the UK for after you have moved
• Supply your overseas contact address and phone number
• Check with your Universal Move Manager with regard to VAT refunds on new purchases
• Ask for final accounts for gas, water and electricity
• Complete all outstanding credit agreements
• Cancel all rental agreements
• Run down stocks of food and drink
• Confirm your removal date with furniture removal companies

1-2 weeks before
• Arrange for mail to be forwarded
• Clean garden tools, bicycles, etc
• Arrange care for children and pets on moving day
• Arrange for mains services to be disconnected
• Advise your newsagent and milkman and pay their final accounts
• Empty lockers at school and work
• Return or retrieve any items on loan
• Drain fuel from motor mowers
• Dispose of plants and perishable food

1-2 days before
• Separate all personal items which are to travel with you e.g. keys, documents, passports, tickets, certificates, currency, clothing, etc
• Disconnect, clean and dry any electrical appliances that you wish to ship
• Arrange with neighbours to leave sufficient parking space for the removal vehicle
On Moving Day
• Remain on hand in case the packers have any questions
• Check all rooms, cupboards, walls, loft, garage and shed to make sure nothing has been left behind.

And finally, try and relax and let Universal Removals do the work! Especially if you require removals to spain.

Notification Checklist:

In summary, here’s a list of organisations and people you may need to notify of your move:
• Doctor
• Dentist
• House insurance company
• Car insurance company
• Electricity Board
• Water Board
• Gas Board
• Telephone company
• Internet provider
• Bank
• Post Office
• Building Society
• Inland Revenue
• School/college
• Local council
• Library
• DVLA
• Motor organisation
• Milkman
• Newsagent/magazine subscription
• Sports/social club
• Satellite/cable TV provider
• Church/place of worship
• Vet

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