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What should you do to protect your family in your absence
17-05-2019 10:05:24 PM, in Investment
Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations.
Steve Jobs
1. Check all your nominations...
It's a usual practice to put a name (i.e in the first place if you have mentioned it) and royally forget about it. Most of us have named our parent as a nominee for investments, bank accounts opened before marriage. We have not changed the
same even years after they are no longer there with us. Even your salary account usually has no nomination.. Kindly check all your Nominations.
- Bank Accounts
- Fixed Deposits, NSC
- Bank Lockers
- Demat Accounts
- Insurance (Life, Bike or Car or Property)
- Investments
- PF Pension Forms
2. Passwords
We have passwords for practically everything. Email accounts, Bank accounts, even for the laptop you use. What happens when your next in kin cannot access any of these simply because they do not know your password... Put it down on a paper.
3. Investments
Every year for tax purpose we do investments. Do we maintain a excel sheet about it. If so is it on the same laptop of which the password you had not shared. Where are those physical investments hard copy.
4. Will.
Make a Will. I know you will smile even I would had I not gone through all what I did. It would have made my life lot easier a lot less paperwork. I wouldn't had to provide an indemnity bond, get it notarized, ask surety to stand up, no objections
certificates from others.
5. Liabilities.
When you take a loan say for your house or car. Check out on all the what if, what if I am not there tomorrow,
What if I lose my job? Will the EMI still be within my range? If not get an insurance on the loan. The people left behind will not have to worry on something
as basic as their own house. My battles have just begun... But let us at least try and make few changes so
that our loved ones would not suffer after we go. We do not know what will happen in the future. But as the Scout motto goes: Be prepared” NEVER TAKE LIFE FOR GRANTED DO THINGS APPROPRIATE FOR THE ONES WHO DEPEND ON YOU WITH LOVE.
NOTE:
Please read at least 3 times. We are spending lots of time on waste like TV serials, Movies etc. Please spare 15 Min. for your loved one. Family management is not only cooking + cleaning + taking care of the dependents but also involves complex operational knowledge of finances...
Thanks and keep in touch to receive such kind of knowledge and information.
Regards
CA Anil Soni
9414942329
