Lurker > Jen0125

Frank Turner

it's tomorrow yay

You're a very frustrating text partner and maybe she uses that as her primary form of communication so she got bored with you.

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potdnewb posted...

because its arizona

Then he can sell it after he gets it? Who cares lol

wolfy42 posted...

Oh didn't see your last post till I had already posted.

Another thing you can do is give your boyfriend 1-2% ownership in your home (tenants in common I believe is the term). You can write a contract stating at any time you can buy back that % of ownership for X amount of money (so if you ever break up or need to own it all you can have it back). That is better than leaving it to him, because if you are tenants in common and one of the owners passes, the other owns the full amount (because you no longer legally exist to own the 98%). This prevents taxes and other annoying problems you have to deal with when leaving things to someone.

In addition if you do owe any debts (not student loans but anything else...medical bills etc), the house will still go directly to him and not be on "hold" until it has gone through probate.

To add to this, you can also add someones name to any CD's you have etc, this again will make them go directly to them (not waiting for probate, no taxes etc), but they can't actually cash out the CD unless you die (so it's still just your money, but if you go poof, it's now their money without having to deal with debt/probate etc.

CD's are a good way to put any savings away safely (no worries about identity theft etc, while still making a decent amount of interest in a safe way (safer than the stock market etc).

You both could also just invest in one together if you are both working, and have a shared nest egg for the future, but also backup if either of you croaks so you have something to help you cope if you get mega depressed and hate life for awhile.

Thank you for actual real advice as someone who has gone through it

potdnewb posted...

he could take the money buy a better house or rent an apartment or travel the world

?? He likes the house we live in. Why wouldn't I gift my partner a paid off house and money?

EvilResident posted...

or maybe he won't want to live there any longer if she dies young? then i'd just leave it all to the b/f and let him decide what to do with it all

this is why i didn't ask for advice lmao. i already know what i'm doing. i actually... you know discussed it with the relevant parties and put my paperwork together.

potdnewb posted...

you have less of clue than i do since you want to pay your debts through your will even though you dont need to do that
seriously let your domestic partner have all the money and forget your creditors
I thought you hated capitalism and yet you want to pay your debts after death
and yes someone in insurance should have the most basic understanding of it and how it works

i feel like you don't have the basic understanding? if i die and my mortgage exists it needs to be paid off or the house will be sold. i want the house to be able to be lived in by my boyfriend. if i don't use the money to pay the mortgage the house won't get paid for and it will be sold - therefore no one can live there.

are you okay?

potdnewb posted...

clearly you do since you are earmarking money for debts that dont need to be paid in the event of your death even though you dont need to

you work in insurance and should know all this

I absolutely do not need your help but thank you lol

Why do you think an insurance rep would be extra knowledgeable in wills though? Or why would I be more knowledgeable on life insurance when I don't work in life insurance? It's almost like you have no clue what you're talking about

potdnewb posted...

of course this is only true if your beneficiary isnt a cosigner on your loans

I don't need advice on this but thank you lol.

EvilResident posted...

Still doesnt make sense to me. Given the constant factor of lets say you never move out of that house, you dont think youll ever finish paying it off completely?

What? Of course it'll get paid off eventually. You're making an assumption that I don't die young. I have assets now that need protecting if I die tomorrow.

EvilResident posted...

The house isnt debt because someone will sell and make back the money

how much in loans then? Damn

No, I don't want it to be sold. I want my life insurance to pay off the mortgage and then I want a title transfer to my boyfriend so he becomes the owner. I don't want his life uprooted because we aren't married. Imagine losing your love, your house and your pets just because one person dies? I can't let that happen. I'm doing all this so my boyfriend's lifestyle doesn't have to change if I die.

My mortgage is $275k and my student loans are $75,000. I have $3k in credit card debt right now on a card with no interest. My car is paid off. I also have a pool loan. All of this debt is manageable for me and can be paid off in the event I die so it won't be a financial burden to anyone else.

TheJustice posted...

I'm curious what they did to upset you.

I'm not upset. Anymore, at least. I just come from an abusive family so I finally decided to cut it off.

EvilResident posted...

Why would you have so much debt when you die? I dont get it

I own a house and have student loans. That's $350k. I overestimated just to be safe.

VampireCoyote posted...

me and my girl make up new lies everywhere we go about what we are

is some hospital gonna seriously request to see some damn papers if something comes to it?

I'm sure they will. That's why I'd rather just do it.

It's crazy too because my plan for a long time was to leave all my extra life insurance to my dad for his end of life care or when he needs round the clock nursing for his MS. Now, that cushion is gone for them. I have $1 million in life insurance policies with a little over 50% going to pay my debts when I die. That's a lot of extra money for Healthcare.

adjl posted...

Makes sense. I haven't done any such things with my girlfriend, but I also know that neither my mom nor my sisters would ever think of denying her involvement in my medical care or insist on taking any of my assets that she wanted, so I'm more or less covered in that regard. You haven't been so lucky in your parentage, so you kind of need to change your next of kin from the default to make sure things go the way you want.

Yeah because my mom is going to take my house, my car, my property and my money and leave my boyfriend, who she has never met, out in the cold. I'm not doing that, ever.

https://gamefaqs.gamespot.com/a/user_image/9/5/0/AAAgaZAAE9IG.jpg
Scrunge

I just know we both want to be together for a long time and I want to do what I can to give us protections without getting married. We're doing this and I finally wrote up a will that I just need to sign with two witnesses and all of my assets will go to him if I die suddenly. I'm also doing a medical directive that gives him control over my medical care if I'm incapacitated. That's what I can do at this point.

I mostly want to make sure that he gets what he needs when I die and my parents are not involved in the process at all.

HornedLion posted...

Ive never been asked to furnish my marriage license at a hospital when visiting my spouse.

Do you share the same last name and have wedding rings? It's pretty obvious at that point.

adjl posted...

I think it'd be kind of rude not to.

"Do you want to make it so you can visit me in the hospital if I end up in a coma?"
"No."

Idk he could say no and I'd understand. It's a contract with the government. Neither of us want to get married because we don't want our relationship to be a contract with the government. So I wouldn't be mad but it'd still cause me some stress lol

we're going on Wednesday!!

4 posts and I can only see the OP lol

He said yes

Yeah, I'm creating a will, living will and health POA right now to file with the county.

Then we can visit each other in the hospital if something happens and it's "family only."

It doesn't have any other benefits in my city tho.

Greenfox111 posted...

She's the one with the football boyfriend right

No that's Taylor Swift

It's going to have all the

Sahuagin posted...

does it have your name on it? or someone else's name but you take care of it?

It's got my name on it but it's under a corporate umbrella account so my bill doesn't go to me, it goes to my company.

i didn't make any implications you're just making assumptions

Far-Queue posted...

lmao fucking torchedddddd

senpai noticed me

he needs to pitch in and do his role as mop boy and like it imo

[LFAQs-redacted-quote]


They made me pay for my recent licensing and fingerprinting up front to get my AZ home state license. That was only around $200 total and it really annoyed me to have to shell out of pocket and wait for reimbursement on my next paycheck. I don't like spending personal money for things my company should pay for.

hockey7318 posted...

One of my favorite line items on an invoice for me is 300 lb vibrator. I kind of wished I got an email from someone above me asking a question about those.

lmao your mom must have loved her christmas gift

zing

Oh yeah I can see that lol. "Can you please split the bill for this combine thx"

I would care in so far as I've been here for like 15 years actively at this point and I'd be losing that habit or outlet

hockey7318 posted...

I've got one to with a $9,995.00 single transaction limit, and I think $50,000 monthly. They won't let me buy anything for personal use either :(

Mine is only a $5k limit probably because I'm a peon and don't have travel as a function of my job

Seems hateful imo

[LFAQs-redacted-quote]


I need it to buy these training classes for work. They're several hundred dollars a piece so I guess they don't want to have me pay and wait to be reimbursed

shadowsword87 posted...

Whenever you go out to eat, bitch about work and then pay for it.

Lmaooo

I can't buy ANYTHING personal. They are zero fun.

I love it. It's very unique.

I'm a bitch
I'm a boss

When I'm older with less debt I'm going to adopt/foster older dogs so they can have their end of life care taken care of by me and they can have a nice, safe place to end their lives in.

I usually get adult cats when I adopt. But after having Teddy as a puppy I just love having them as babies. These are my first kittens and I'm really happy I adopted them.

Lmfao

Omg more kittens I love them

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Sasha discovering the joys of fluffy beds

https://www.reddit.com/r/Games/comments/17alwk4/gamefaqs_owner_sballen_is_stepping_down_from_the/

Reddit loves us lmao. So many comments recognizing our unhinged nature.

Congrats!!

Never been in one but I'd love to unionize my job.

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