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Preparing for death

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Averia Light

Averia Light

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Icy Spring said :
Isn't this what life insurance policies are for?

Kind of. The problem is that lump payments only go so far.

For instance, our household income is about 150k in an area where 50-80k is a common income (we purposely chose to live in a place with lower expenses). I make about 50-60k, my husband makes a bit over 100k. We have 100k life insurance policies as well as policies through work, but I like to focus on expenses that we know we will use if that makes sense. We don't want to increase our life insurance amount for this reason. Instead, I focus on investments and things that we will use/will benefit us later. And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 22:30:39 - Last edited on 09-Mar-2021 22:34:00 by Averia Light

Megycal
Sep Member 2005

Megycal

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Ah, yes. At 3.5 she will almost certainly still be into sequins and sparkles 2 years from now. :)

I also buy things when they're on sale. I've got some dressy items bought in a sale for when we were going on a cruise last year...that cruise was cancelled due to the pandemic. :( They're still in the wardrobe waiting for when we can go on a cruise. We rebooked for this September but at the moment there's no guarantee it'll go ahead.

10-Mar-2021 10:31:19

XSlay4DeathX
Mar Member 2007

XSlay4DeathX

Posts: 2,634 Adamant Posts by user Forum Profile RuneMetrics Profile
It's hard to predict ones ending but finance wise it's a good thing to do. When i make money, i put it in my hidden fire box, as i know i'll need it later, not now. I don't have a job atm, just help people down my road while i try to figure out my life.

^mainly i research people, Given my 7+ lives on this earth, i somehow was zapped into this body at age of 1, i remember pieces of my past, combat training <---many things i never learnt in this time period.

I don't want to die anytime soon but some days i wish it would just happen lol, my strongest gift is i can decode where someones choices may lead. My mind is life based, not money based.

Way people live today, in short scares me more than death itself. We are sailing a burning ship, i want to fix it but i can't.....i'm only one person...I can fix it tho, all world conflicts i decoded and found the source of them but so much harm was done, i feel the worse outcome is well deserved.

In my 29 years on this earth, i'v never felt so insulted in my life regarding people's choices, motives.....But during my research i deemed todays society doesn't give a shit about others....It's all $$$.

^I know what is happening behind closed doors, regarding your planning, if things would change for the better people wouldn't have to worry about this stuff. Before my step dads death they tried to take his pension, 22k+ in legal fees, alot of stress.......nearly took our house because after he died he owed 15k....we went in with 15k cash...they refused...took my mom to cry infront of people as they refused x5 times...they honestly were going to try to take our house? after what happened? This is why i hate people for letting this BS continue...

^"that's just how life is" <--keep saying that, i already designed 2 systems that beat our current ones, people are just blinded by greed. O_o

Best advice, just enjoy life, least your not like me where i can't hide from the suffering of others, people will never change.

10-Mar-2021 21:18:51

Singularity
Aug Member 2023

Singularity

Posts: 97,457 Emerald Posts by user Forum Profile RuneMetrics Profile
I think it's sensible to prepare if you have people that are relying on you, or if you are relying on others. Death can pay anyone a visit at any time. And when it does pay a visit, the last thing you want is to deal with the financial stress that might come from someone passing away. It'd be hell enough getting over the loss of that someone. To add financial worries on top of that would only make recovery even harder.

More people need to be proactive than reactive imo. Just because you're not on your deathbed, or don't feel death is coming for you any time soon, that doesn't mean you shouldn't think about it and prepare for it in some way. We don't really know how long we have to live on Earth. People of all ages die. There's so many ways it can happen. The chances might be small, but it's not an impossibility.

I see preparation as lessening the blow of someone's death if you relied on them or they relied on you. It's probably going to hurt you/them when they/you die and it won't be easy getting over them/you passing. But it'll be easier for you/them to grieve without having to worry about any changes in your/their finances as you'd/they'd have planned for that already.

You'll/they'll be able to devote time to grieving as opposed to stressing endlessly about how you're/they're going to cope financially. It's just not something you'd/they'd want taking your/their thoughts hostage when you've/they've just lost somebody important.

That's the way I see it. I do occasionally think of Death even if there's no reason to. It just feels like it's something I should think about and even discuss with others at times. .

10-Mar-2021 22:33:43

Ms Toxicity
Jul
fmod Member
2004

Ms Toxicity

Forum Moderator Posts: 78,314 Emerald Posts by user Forum Profile RuneMetrics Profile
Death is inevitable and, sadly, a topic that seems to be somewhat taboo.

@ Averia, if the steps you are taking to ensure the comfort of your loved ones are giving you peace of mind, then who am I to judge. I think it is wonderful that you are ensuring the financial stability of your family, in the case that something unfortunate and untimely occurs.

Do I think about Death? With my weird and wonderful medical history - of course. I just wish I had your foresight and determination to take the necessary steps to ensure that those who survive me are well prepared and cared for.
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11-Mar-2021 12:46:48 - Last edited on 11-Mar-2021 12:50:17 by Ms Toxicity

Dong U Dead

Dong U Dead

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I've still got things to do like my will. I need to go talk to a funeral home as I want family and close friends only at the service, I do not want my boys father there, he wouldn't be welcome.

I pay a fortnightly payments into a funeral fund, I think it's called life insurance this fund covers and will payout any cause of death, even suicide, depression.

When my son died by suicide, the bank wouldn't payout, I can't remember if it was because of depression or the suicide. I wonder if they quickly changed the policy as my son was sure he would be covered. All the money he put in was not returned, I think it's wrong. The bank made money out of him and I'm sure countless others. Also they sent personal information to a tunnel, I got a phonecall from the post office - I was shocking, really was.
If fat means flavour then I'm ******* delicious!

12-Mar-2021 02:18:30 - Last edited on 12-Mar-2021 20:57:04 by Dong U Dead

Dieselboy93

Dieselboy93

Posts: 545 Steel Posts by user Forum Profile RuneMetrics Profile
Averia Light said :
Dieselboy93 said :
creepy thread dude

Never really understood why mortality or talking about it is creepy. It is a part of being human.
this is something that i rarely speak about with either my friends or family, this particular subject is taboo to me Shaka, when the walls fell

12-Mar-2021 07:24:09

Brigantia

Brigantia

Posts: 17,674 Opal Posts by user Forum Profile RuneMetrics Profile
Dieselboy93 said :
Averia Light said :
Dieselboy93 said :
creepy thread dude

Never really understood why mortality or talking about it is creepy. It is a part of being human.
this is something that i rarely speak about with either my friends or family, this particular subject is taboo to me

Then don't engage with it.
Arrr! Only th' Devil an' I know th' where'bouts o' me treasure, an' th' one o' us who lives th' longes' should take i' all.


@CapnBrigantia

12-Mar-2021 20:34:10

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