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Do any of you have godparents for your children? Or a will? Do you have enough life insurance?
I hate this subject, but it's something we all need to think about.
My husband wants me to start riding the motorcycle with him again, but I am hesitant. While I dearly love riding the Harley, I know at least 2 couples who had bad accidents recently. One was because a deer jumped out in front of them and the other was because another car hit them. In both cases, there was nothing the bike riders could have done to prevent the accident. I can't help but think about what would happen if we were both killed. There is absolutely NO ONE that I would want raising my children! Well, my mom of course but she is nearly 62 and honestly, if she lost me I am pretty sure she would lose her mind. Guess I better keep my butt off that bike!
We have good life insurance policies on both of us, but no will or godparents. What about you? If the unthinkable happened, who would care for your kids?
Lori-My SIL/BIL ride all the time and have 5 kids between the 2 of them and I think its very selfish. They say the kids will be 'covered' if they die and I tell them that money will not bring back their parents.
Funny thing is, they are the only people I'd leave my kids too! They are the only ones with young kids and Nick loves them.
We dont have anything legally stating who we would like the kids to go to, and I KNOW we really should. DH and I both know each other's 'wishes' regarding life support, donation, etc. I think in my mind I would like my SIL/BIL to have them most days and my mom get them on weekends or during summers and such. Blech, I hate thinking about this stuff.
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*thanks to Madge for my fab siggy!*
Yes, Almost & Yes. We just finished reviewing our life insurance so we are all set there. Godparents were selected when he was baptised around 2 months and it just worked out that we selected one of them as where Braylon plus any other children would go if something were to happen to us. We haven't gotten it in writing yet but just last month we asked her and her soon to be husband. It was a wierd conversation and we don't plan on anything happening but it took DH & I many conversations to agree on someone. We wanted the decision to come from us so that our parents wouldn't have to fight it out, which is what would have happened if we didn't decide. We also went with non family and someone who would raise our kids as close to how we would have.
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Thanks claire1979 for my adorable siggy!
We both have good life insurance policies however we haven't picked godparents or have a will put together. I have told DH multiple times that we need to do that but he just says ok and then nothing comes of it.
It's hard to think about. I really debated about even posting this. But parenthood (and this board) can't be all sunshine and rainbows all the time. I just wondered if I was in the minority with not having plans in place.
DH's brother and sister are both scum bags. His brother is in jail right now and his sister is a drug addicted **** with multiple stds. So they are not an option. My brother and sil are good people, they have a nice home, good jobs, and only one child who is 11 yrs old and very close to my DD. The only problem with them is...SIL is not right in the head. She is a pathological liar. She is a good person but yet she cannot tell the truth to save her life, which is funny since she is a registered nurse who is in charge of a rehab unit. I wouldn't want her raising my kids, but I can't think of anyone else. Ugh. Like I said, I am just going to stay off the bike and hope for the best. *L*
We both have good life insurance policies however we haven't picked godparents or have a will put together. I have told DH multiple times that we need to do that but he just says ok and then nothing comes of it.
I bugged DH for 4 years and finally went to legalzoom.com a few months ago and did my will. I know its hard to think about, but I feel good it's done. My sister and her hubbie will get our kids for sure.
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Mindy (32)
DH (34)
Thank you to peimum for my adorable siggie!
Madenn and df both have life insurance I however do not. We selected My sister who has three children under the age of four, which is a little scary but she is the most amazing mother I would fully trust her with Madenn. We also selected a friend of ours who is a pastor (he is dfs best friend) he is not married, or really has his life started yet but again he is an amazing person. He blessed Madenn when he was born and was at the hospital every day. He is second choice though incase my sister is unable to take him. We have no will, and we don't have this in writing either. Guess we shall get on that!
We asked our friends when Perrin was a baby if they would raise our children and they said yes, but we still have not legalized it. We have grown apart over the last few years so now wonder if they are even our choice anymore...... but there is NOBODY else we could really ask.
All three of us have life insurance, we're Jewish so we don't actually do the whole Godparent thing (we do have very close friends who have have an ongoing joke that they are his Unofficial Godparents). My brother would get Zachary and any other kids of ours. We felt like both sets of grandparents are not in a place in their lives to take care of children anymore. DH's siblings aren't in the right place yet either.
We don't have anything in writing BUT we've made sure that both sides of the family know all of our wishes including all of our assets being sold to take care of Zachary (unless we own a house and the market is bad, then my brother can make the decision to hold onto it until it makes sense to sell.) We know each others wishes for life support and donations. It stinks to think about but it absolutely is important to do. We really should get it in writing...
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Thank you .:Shortcake:. for my beautiful siggy!
we both have life insurance but it's through work so we may get something else as well. No will yet nor legal godparents although we have godparents that we want for him already we really should have this all written down. It's never really an easy topic but it is good to think about as u never know what will happen
DH has a $25,000 policy through work that doubles if the death is accidental. He is a truck driver hauling chemicals and flammable liquids, so he has a very dangerous job. On top of that, he has a $100,000 policy through GE that also doubles in an accident. For me, we have a $50,000 policy that doubles in an accident. So theoretically, if we both went in a bike accident, the kids would get $350,000.
One thing I don't have is life insurance for the kids. It burns a whole in my heart to even think about it. But I need to get the Gerber Grow Up plan started for them, because that is an investment in the future, and you can think of it that way which makes it easier to deal with. The cash value doubles at a certain age (20?) and it guarantees them life insurance forever in case there was a ever a time in their lives that they would have a hard time getting it, due to chronic illness or something. I think it's pretty inexpensive, too. Yep, I need to get on that.
My sister and her husband would get the girls. We don't have it in writing but we need to get on legalzoom.com and get it official. My sister did that last summer for her 2 kids (and made my husband and I the guardians if anything happened to them) and it was a really easy process.
My husband has life insurance through work, but we need to get a bigger policy on him, and take one out on me, as well. Thinking about this sucks, but it is necessary!
We have life insurance and a will in place for what will happen to Daphne if we die. We want her to go to my parents, or my sister if my parents are unable. We even have a back up to my sister, my cousin. We HAD to put it in writing, because my MIL and SIL would fight tooth and nail unless we had it notarized, etc., and I do not want either of them raising my daughter.
Putting it in writing also makes it so there will be no fighting, and no questions about what we wanted.
You can make a will for free, there are free templates online, and have it notarized for like $10.00
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Thank you Claire 1979 for my lovely siggy.
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