A curious Question....

mummy2girls wrote: i have been sitting here all day wondering about some things. Because of what im going through with aron and his blood tests and such it dawned on me that we actaully never sat down and discussed who would get jenna if something should happen to us. It hit me today that a decsision needs to be made because you just never know if something health wise could happen. so my question with this is have you guys made that big tough decision?

And to those single moms out there.... if you do have contact with the father of your kid(s) have you guys done up a insurance policy so if something happens to one of you guys how financilally will you or him get help?? I havent talked to aron about thise stuff so i think this weekend im goiung to sit down with him and have a talk.

Im quite sure that everything will be fine and nothing horribly is wrong with Aron but things like this make me think! His appoinment is at 4pm and i will update when i hear from him....

amynicole21 replied: It's always a good thing to discuss. We have never made a will - just never got around to it. Bad, I know We actually can't even really decide who would get Sophia. Both sides of the family would want her, and it is just too difficult for me to decide. There are sites online that let you "fill in the blanks" for a generic will, then you just print it off and get a lawyer to look over it and then get it notarized. Every time I start doing it I get depressed and put it away. I really need to get that done.

coasterqueen replied: We have a will drawn up but it's not done by a lawyer yet. Ryan drew one up but I want a lawyer to look at it. We worked on it well before Kylie was even a year old but argued about how a lawyer should look it over. He agrees now that #2 is on the way that we need to have a lawyer look at it but we just haven't done it yet.

We did decide who gets Kylie...Ryan's sis and BIL first and then my sister second. My sis is second because she is younger and not financially stable whereas Ryan's sister is very financially stable.

We also have provisions who gets the money from what we have saved, policies, etc and how it gets spent on our children til they are a certain age, etc.

Our will is so complicated though anyways with our land issues so we need to have the lawyer make sure we've covered all our basics.

As soon as we get the extra $500 to have it done we will have it done.

Boys r us replied: We have a will done. this is something that I had done when I was a single mom with Tanner. I felt it was way too important to overlook, being that I would roll in my grave if something had happened to me and his bio dad got custody of him. We've had it revamped since my family has expanded and circumstances have changed.

I also have life insurance on myself so that along with receiving my social security benefits, if I died, they would also have enough to comfortably care for my kids and put them through college.

DansMom replied: I'm in denial as well and have done nothing in the way of a will. I know I want my older sister to have Daniel if something were to happen to George and me at the same time, and I'm absolutely certain there wouldn't be anyone else competing to take guardianship of Daniel---there is only one obvious, able, willing, ideal person in our case. But it would still be good to have it in writing and delay any hassles.

A bigger issue for us is if something happened to me, and George were left to provide for Daniel on his own. I'm the breadwinner, and we have a mortgage he could not possibly pay. I have life insurance through work, but I've never met with a professional to make sure that it's sufficient to provide for my family if something happens. I currently do not use day care because my husband is a full time caretaker for Daniel, so I would have financial and other difficulties were I on my own suddenly and unexpectedly. I hate to think about this. I'm going to start putting things together---thanks for prompting this discussion!

My2Beauties replied: I have 2 life insurance policies through work, one is basic life 2 times salary and the second is Voluntary Term Life which is for $50,000 and then I have a $200,00 whole life policy through North Western Mutual and the funds are allocated like 50-50 to Brian and Hanna on that last one and then like 75-25 (more to Brian) on the other ones since he would be her caretaker. It would pay for all my expenses if I was gone, it better, that is over $300,000! Geez, I'm worth more dead than I am alive I definitely need to get a will together though, I would want my mom to take care of Hanna, no one else! I am actually meeting with my rep from North WEstern this week to get a policy on Brian like the one I have, he has nothing as far as life insurance goes and he is a roofer!

alice&arik replied: I have thought about making a will, or else just writing down what I want. Arik's dad is dead so he couldn't take him. I do have a life insurance policy through work that is for Arik and I think it should be enough to carry him through for a long time. As for who would take care of him? I have no idea. When I had him baptised and chose Godparents, I chose my brother and sister, then my brother said it was too much responsibility so it is my sister and BIL. So I think they would take him, but I don't know. I am sure someone would. Hopefully.

booey2 replied: We did our will up with a laywer a couple of years ago and we have life insurance for the boys. Also when we bought the house be got mortgage insurance that if one of us dies before it is payed for then the house would be totally paid off and the living spouse would not have to worry about it. We also chose god-parents when the boys were baptised but they are not necessarily the same people who agreed to take the boys if something were to happen to the both of us. Sometimes people are willing to be god-parents but not actually take the child if something were to happen to the parents, they agreed to help in their upbringing and make sure that they are exposed to our relgious faith (Catholic) and that the are brought up with good morals.

Kirstenmumof3 replied: DH and I have life insurance. As for a gaurdian for the children, that has yet to be decided. I think though that we would probably ask my sister and her DH to take them if something happened to us. As for a legal will no we don't have one made out yet, but I'm starting to think we definately need too.

Kaitlin'smom replied: we need to finish our will but we are so undecied on who to leave Kaitlin with, but we both have a few life policies so financialy she would be fine. I knwo we need to finish it and get it official I just hate the thougth of it actually ever having to be read.

I do recomend anyone who does not have some sort of life policy, with the business I am in I have see it one to many times that there was not enough money to take care of final expences and provide for the future of the kids. I also have seen several men have life on them selves but not on there wifes, and when asked why they state well they dont make any money so what do I need it for? Well when show how much a funural could cost and care for the kid(s) while he continues to work, tunes chance and they see the need for it. Granted they still dont always purchace it but at least the knowladge is there

kimberley replied: i am another procrastinator i just get emotional thinking about these things and so does Jamie. custody would be a huge problem. i know my ex would fight for the boys because his mommy likes them around sometimes and yells at them when she is tired (which is often). i hate the thought of him and his mom raising my boys but because he is their biological father and has not resigned his rights, i believe he gets them no matter what i say in a will. i really don't want my kids separated either, but if i die.... it is inevitable. either my dad or Jamie's parents or sister will take the baby and the boys will go with their dad. it is really depressing to think about so i just need to take every precaution to keep myself here to hold this family together!

as for life insurance, i asked my ex years ago to get it because he lives a very toxic lifestyle and i would be destitute without the money he gives me for the boys. he refused, thinking i would try to have him killed or something . grow up!! i am thinking about my kids' future, i could care less about him! ugh!

Jamie and i have talked about getting life insurance but things have been very tight financially and it is just not possible right now. as soon as things level out, it is one of the first things i plan to do.

we do have RESP's for them though.

MomofJandB replied: We have a will written up but have never signed it! How ridiculous is that?!

Ours requires 3 people to witness our signatures, but I always forget to pull it out when we have friends over. That would be such a nice topic of discussion over a glass or two of wine! LOL! I wonder if anyone would take it into consideration unsigned? Probably not! Better have a will signing party!