Hazel Todd 11/11/2024 Hazel Todd 11/11/2024

Most Moving Music to Play at Your Funeral

Planning your own funeral may feel unusual, but selecting the right music can leave a lasting impact on your loved ones. Music has the power to evoke memories and emotions, making it a crucial part of the farewell. Here are some suggestions for the most moving music to consider for your funeral.

1. "Amazing Grace" by Various Artists

"Amazing Grace" is a timeless hymn that offers comfort and hope. Its soothing melody and profound lyrics resonate with many, making it a popular choice for funerals.

2. "Time to Say Goodbye" by Andrea Bocelli and Sarah Brightman

This powerful duet speaks of farewell and hope, making it a beautiful and emotional addition to any funeral service.

3. "Somewhere Over the Rainbow" by Israel Kamakawiwo'ole

This rendition of the classic song brings a sense of peace and optimism, reminding us of the beauty beyond life's struggles.

4. "Ave Maria" by Franz Schubert

"Ave Maria" is a classical piece that brings a sense of serenity and reverence, often chosen for its calming and spiritual qualities.

5. "My Way" by Frank Sinatra

For those who lived life on their terms, "My Way" is a fitting tribute. Its reflective lyrics and iconic melody celebrate a life well-lived.

6. "Hallelujah" by Leonard Cohen (Jeff Buckley version)

"Hallelujah" is a poignant song that captures a range of emotions. The Jeff Buckley version is particularly moving, making it a heartfelt choice for funerals.

7. "Canon in D" by Johann Pachelbel

This classical piece is often associated with weddings but also serves as a beautiful and uplifting choice for funerals, symbolizing continuity and peace.

8. "Wind Beneath My Wings" by Bette Midler

This song honors those who have supported and uplifted us, making it a touching tribute to loved ones left behind.

9. "Tears in Heaven" by Eric Clapton

Written by Clapton after a personal tragedy, "Tears in Heaven" speaks to loss and the hope of reunion, making it a deeply emotional choice.

10. "You Raise Me Up" by Josh Groban

"You Raise Me Up" is a powerful song that celebrates the strength we gain from our loved ones, offering comfort and inspiration.

Planning a funeral can be a challenging time, but choosing meaningful music can help create a memorable and moving service. Let WebWills assist you in making these important decisions. Call us at (03) 9028 7603 or email info@webwills.com.au for assistance in planning your funeral or other estate matters.

Disclaimer:

The music choices listed are suggestions and should be selected based on personal preference and the deceased's wishes. HazeLegal does not endorse any specific songs but provides these recommendations to assist in the planning process.

© HazeLegal, Australia 2024.

Hazel Todd 07/10/2024 Hazel Todd 07/10/2024

Things I Wish I Could Tell My Younger Self

As I've listened to feedback from my clients, I've come to appreciate the wisdom in planning for the future, especially when it comes to end-of-life preparations. Here are insights gleaned from their experiences that they wish they could share with their younger selves:

1. Start Saving Early

Many clients express regret over not starting to save money earlier. They emphasize that having a financial safety net not only prepares you for unexpected emergencies but also ensures long-term security and freedom.

2. Invest in Health

Prioritizing health from a younger age is a common sentiment among clients. They stress the importance of regular exercise, a balanced diet, and routine check-ups to maintain well-being and enjoy life fully.

3. Create a Will

Understanding the significance of having a will early on is crucial. Creating a will ensures assets are distributed as desired, alleviating stress for loved ones during difficult times.

4. Establish Powers of Attorney

Designating powers of attorney for financial and healthcare decisions is seen as essential. Clients recommend doing this early to protect personal interests and ensure trusted individuals can act on their behalf if necessary.

5. Have Open Conversations

Clients wish they had been more open with family about end-of-life wishes. They stress the importance of discussing healthcare preferences and funeral arrangements to ensure these wishes are respected.

6. Plan for Long-Term Care

Planning for long-term care options earlier is advised. Clients suggest considering financial preparations and support options to maintain quality of life in later years.

7. Document Important Information

Organizing essential documents like insurance policies and bank accounts is important. Having everything readily accessible can significantly reduce stress for family members.

8. Consider Your Digital Legacy

Acknowledging the importance of managing digital assets is emphasized. Clients recommend ensuring loved ones know how to handle online accounts and digital presence.

9. Embrace Life Fully

Balancing planning for the future with living in the present is a recurring theme. Clients are urged to take risks, travel, and spend time with loved ones to create meaningful memories.

10. Leave a Legacy of Love

Focusing on building strong relationships and leaving behind cherished memories is considered the most valuable legacy. Clients emphasize the impact of kindness and love on those around them.

Thinking about end-of-life planning might seem somber, but it’s a powerful tool for ensuring a better life and legacy. By taking steps to plan for the future, you not only secure your peace of mind but also leave a lasting, positive impact on your loved ones. So, take these tips to heart and start planning today for a brighter tomorrow.

DISCLAIMER

This is a commentary published by WebWills for general information purposes only. This is not meant to be taken as particular advice. You should seek your own legal and other advice for any question, or any specific situation or proposal, or get in touch with the writer at http://webwills.com.au before making any final decision. The content also is subject to change. A person listed may not be admitted as a lawyer in all States and Territories.

© WebWills, Australia 2024.

Hazel Todd 30/09/2024 Hazel Todd 30/09/2024

Tips for Ensuring Your Parent's Affairs Are in Order

Helping a difficult parent organize their affairs can be tough. It ensures their wishes are respected and relieves you from making tough decisions about their health and senior care needs.

If you're seeking assistance to organize your parents' affairs, WebWills is ready to support you every step of the way.

Benefits of planning ahead

• Knowing where essential documents are when support is needed.

• Emergencies become less overwhelming.

• Avoid last-minute decisions for your parents.

• Understand and respect your parents’ wishes.

• Promote harmony with shared understanding, reducing conflicts.

Getting started with affairs

Preparing your affairs isn't just about making a will; it involves:

• Legal matters such as estate planning and setting up powers of attorney

• Financial planning, including retirement savings and wealth management

• Healthcare preferences and long-term care arrangements

If you or your parents need guidance, consider these steps to begin.

1. Start the Conversation Early

Initiating discussions about estate planning and future arrangements early can make the process smoother. Approach the topic gently and with empathy, explaining the importance of having everything for their peace of mind and the family's well-being.

2. Educate Yourself

Before discussing specifics, educate yourself about the necessary legal documents and steps involved in estate planning. Understanding the process will help you answer their questions and provide accurate information, making them more comfortable with the idea.

Ensure your parents have all essential legal documents securely in place. Gather and store these documents safely:

• Their will

• Advance healthcare directives

• Enduring powers of attorney for finances and healthcare

• A family plan outlining caregiving roles

• Birth, marriage, and death certificates; divorce decrees; citizenship papers; Social Security cards

• Property deeds or cemetery plots

• Pre-paid funeral plans

• Insurance policies and pension benefits

• Lists of medications

This preparation ensures their affairs are well-managed and accessible when needed.

3. Involve a Professional

Sometimes, a neutral third party like a lawyer or financial advisor can make discussions easier. They can provide professional advice and ensure that all legal requirements are met, which can alleviate some of your parent's concerns.

4. Be Patient and Listen

Patience is crucial when dealing with a difficult parent. Listen to their worries and objections without interrupting. Acknowledging their feelings can help build trust and make them more receptive to your suggestions.

5. Simplify the Process

Break down the tasks into manageable steps. Create a checklist of what needs to be done and tackle one thing at a time. This approach can make the process less overwhelming for your parent and for you.

6. Focus on Their Wishes

Ensure that the planning reflects your parent's wishes. Ask them about their preferences for healthcare, financial decisions, and distribution of assets. Making them feel in control can reduce resistance.

7. Document Everything

Keep thorough records of all discussions, decisions, and documents. This can prevent misunderstandings and ensure that all parties are on the same page. Having everything documented can also make it easier to manage their affairs later.

8. Use our Digital Vault

Utilize technology to keep track of important documents and deadlines. There are many apps and software designed for estate planning that can help you organize and store information securely, and make it available to those who need that information when they need it.

9. Offer Emotional Support

Recognize that this process can be emotionally taxing for your parent. Offer your support and reassure them that you are there to help, not to take control. Emotional support can go a long way in easing their anxiety.

10. Review Regularly

Estate planning is not a one-time task. Regularly review and update documents to reflect any changes in your parent's situation or wishes. Keeping everything current ensures that their affairs are always in order.

Helping a difficult parent get their affairs in order is a delicate task, but it can be done with patience, understanding, and the right approach. These tips can guide you through the process, ensuring that your parent's wishes are respected, and their future is secured.

DISCLAIMER

This is a commentary published by WebWills for general information purposes only. This is not meant to be taken as particular advice. You should seek your own legal and other advice for any question, situation, or proposal, or contact the writer at http://webwills.com.au before making any final decision. The content also is subject to change. A person listed may not be admitted as a lawyer in all States and Territories.

© WebWills, Australia 2024.

Hazel Todd 02/09/2024 Hazel Todd 02/09/2024

Victoria's Will Contesting: 10 Essential Facts

Contesting a will can be daunting, especially when you're unsure of where to begin. Here are the essential points you need to understand before taking any action:

1. Don't Miss the Deadline: You have six months from the date of the probate grant or administrator appointment to contest a will. However, exceptions can be made if the estate hasn't been distributed. If the estate has been wound up, you will have missed your chance.

2. Eligibility Matters: If you're a spouse, partner, child, or stepchild of the deceased, you're likely eligible to contest the will. If unsure, seek legal advice tailored to your circumstances. The crux of a claim is whether the deceased had a moral duty to provide for you.

3. Timeframe for Resolution: Most claims are resolved within six to nine months through negotiation or mediation. If a hearing is necessary, it might take twelve to eighteen months, maybe longer. Be prepared to negotiate, legal costs can quickly get out of hand.

4. Timing is Crucial: You can contest a will only after it's probated or when an administrator for the estate is appointed by the court. If you know that an executor has not applied for probate, perhaps to defeat a challenge by simply delaying, you can apply to court for assistance to compel the executor to apply for probate or offer up the Will so that the next person in line can apply for probate.

5. Know Your Claimable Assets: You can claim against assets owned or in which the deceased had an interest. Trusts and superannuation usually fall outside this scope. You will have to pursue claims against any other entity separately. Also remember that if the deceased owned property with another as a Joint Tenant, that other person automatically becomes the sole owner of the property without the need to apply for probate or reference to the deceased Will.

6. Court Considerations: The court assesses the moral duty of the deceased to provide for you and whether the distribution of the estate adequately meets your needs. You will need to disclose your financial position to justify your claim.

7. Legal Process Overview: Contesting a will involves legal proceedings against the estate. This includes exchanging documents, mediation, and potential court hearings. Be aware before you get started that it will be a lengthy and stressful process, coupled with your existing grief of the loss of a loved one.

8. Assessing Your Claim's Value: Determining the worth of your claim involves complex considerations and varies between judges. Expert legal assistance is key. You should seek legal advice, and remember that there are no guarantees that you will get what you want or indeed anything at all.

9. Understanding Costs: Contesting a will typically incur costs ranging from $30,000 to $50,000 to potentially a whole lot more, often covered by the estate. The bigger the estate the more these costs seemed to blow out. A successful claim usually results in costs being paid from the estate.

10. Exploring Fee Arrangements: Financing options are sometimes available from external loan providers, who will likely also require some commission or uplift to finance the proceedings. These options can be a lot more expensive than they first appear.

If you're considering contesting a will in Victoria, our team at HazeLegal is here to assist you. We'll assess your case, provide clear guidance, and work to achieve your best possible outcome. Don't hesitate to reach out to us for expert advice tailored to your situation.

DISCLAIMER

© WebWills, Australia 2024.

Hazel Todd 26/08/2024 Hazel Todd 26/08/2024

How to Find Your Deceased Relative's Tax Records and How to Prevent a Mess for Your Own Family

Dealing with the death of a loved one is hard enough without the added stress of untangling their financial affairs. If your relative has left their tax records and other financial information in disarray, here are some tips to help you find what you need. We also discuss how you can make things easier for your own family in the future.

Finding Your Deceased Relative's Tax Records

1. Check Their Personal Files

Look through their personal files, including filing cabinets, desks, and digital folders on their computer. Important documents like tax returns, bank statements, and receipts are often stored here.

2. Contact Their Accountant or Tax Agent

If your relative used an accountant or tax agent, they would have copies of past tax returns and could provide the Tax File Number (TFN) and other essential information.

3. Look Through Their Mail

Tax-related documents are often sent by mail. Look for letters from the Australian Taxation Office (ATO), banks, or other financial institutions. These might contain crucial information or lead you to other relevant documents.

4. Search Digital Records

Check their email accounts and any cloud storage services they use. Important tax documents might be stored digitally. Look for folders labelled "Taxes" or similar.

5. Contact the Australian Taxation Office (ATO)

If you have trouble finding their TFN or tax records, contact the ATO. They can provide guidance on what steps to take to access the necessary information.

6. Gather All Relevant Financial Documents

Collect any bank statements, superannuation records, and investment documents. These can help piece together their financial situation and provide necessary information for tax purposes.

Preventing a Mess for Your Own Family

1. Organise Your Financial Documents

Keep all your important financial documents, including tax returns, in a single, well-organised location. Make sure your family knows where this is.

2. Create a Digital Backup

HazeLegal offers storing digital copies of important documents in a secure cloud storage service. Ensure that your family knows how to access these files.

3. Keep Your TFN Secure

Your Tax File Number is crucial. Store it in a safe place and include it in your list of important documents. Inform your family where they can find it.

4. Use a Trusted Accountant or Tax Agent

Working with a professional can ensure that your tax affairs are in order. Provide your family with their contact details so they can reach out if needed.

5. Prepare a Will and Estate Plan

Clearly outline your wishes and financial arrangements in a will. An estate plan can help manage your assets and provide guidance for your family.

6. Communicate with Your Family

Have open conversations with your family about your financial affairs. Make sure they know where to find important documents and understand your wishes.

7. Update Your Records Regularly

Keep your financial records up to date. Review them annually to ensure everything is current and easily accessible.

8. Upload your information to our Digital Vault

Upload your information and records to our Digital Vault, which will ensure that after your passing, and not before, your information will be sent to those of your choosing, such as your executors and next of kin. If everyone has all the relevant information, there is less likelihood of someone abusing the situation and perhaps ripping off either yourself, your estate or your family. Knowledge of power.

9. Consider Professional Advice

Speak with a lawyer or financial advisor to ensure your affairs are in order and to get advice tailored to your situation.

By taking these steps, you can reduce the stress on your family during a difficult time and ensure that your financial affairs are handled smoothly.

Need more help? Reach out to us today!

DISCLAIMER

This is a commentary published by WebWills for general information purposes only. This is not meant to be taken as particular advice. You should seek your own legal and other advice for any question, or any specific situation or proposal, or get in touch with the writer at http://webwills.com.au before making any final decision. The content also is subject to change. A person listed may not be admitted as a lawyer in all States and Territories.

© WebWills, Australia 2024.

Hazel Todd 19/08/2024 Hazel Todd 19/08/2024

What will your Tombstone say?

Our epitaph is the world’s lasting view of us, a summary of our lives, and what we stood for.

What will your tombstone say about you? Entrepreneur, hard worker, professional, scroller of social media, binger of Netflix?

Or it says, most beloved parent, child or spouse?

What do you want it to say? For that is how you must live your life.

We often get busy with the minutiae of life and forget about what is important.

It is your executor who will choose the inscription on your tombstone, so now you know who to impress. Haven’t appointed an executor? Then maybe writing your Will should be the next thing on your To-do list. Contemplating your passing does not have to be scary, it can be a wake-up call – before it’s too late – on what you want from this one short and crazy life!

Here are a few famous tombstones to inspire you.

Emily Dickinson (Author) (1830-1886)

“Called Back”

Referring to the last words that she ever wrote in a letter to her cousins, but also the title of a novella she loved by Hugh Conway.

And not a reference to a phone scam.

William Shakespeare (1564-1616)

"Good friend for Jesus' sake forbear,

To dig the dust enclosed here.

Blessed be the man that spares these stones,

And cursed be he that moves my bones."

I think someone was a little concerned about grave robbers. Though probably not unfounded.

Rosa Parks (1913 – 2005)

“Mother of the Civil Rights Movement”

I think we can all agree on that one.

A fitting tribute to her monumental impact on history.

Winston Churchill (1874-1965)

"I am ready to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter."

Churchill's wit and wisdom even in death.

Mel Blanc (1908-1989)

"That's All Folks!"

The famous sign-off of the man behind many beloved cartoon voices.

Martin Luther King Jr. (1929-1968)

"Free at last, Free at last, Thank God Almighty I'm Free at last."

Echoing his immortal words from the civil rights movement.

Merv Griffin (1925-2007)

"I will not be right back after this message."

A humorous nod to his career as a television host.

Frank Sinatra (1915-1998)

"The Best Is Yet To Come."

A hopeful message from the legendary singer.

J.R.R. Tolkien (1892-1973)

"Beren" and "Lúthien"

A touching reference to his epic love story from "The Silmarillion." He shares the grave with his wife Mary, who is referred to as Luthien and he as Beren, two great loves.

Johnny Cash (1932-2003)

"I walk the line."

Summarising his life and music career in just a few words.

Mae West (1893-1980)

"Come up and see me some time."

A cheeky nod to her famous catchphrase.

Billy Wilder (1906-2002)

“I'm a writer but then nobody's perfect.”

Only a writer could pen those words.

Edgar Allan Poe (1809-1849)

“Quoth the Raven, Nevermore.”

A fitting tribute to his most famous poem “The Raven” and its interpretation that nothing can be done to change the situation of he who lies there. Very clever indeed.

Benjamin Franklin (1706-1790)

“The body of Benjamin Franklin, Printer, Like the cover of an old book, Its contents are torn out, And stripped of its lettering and gilding, Lies here, food for worms. But the work shall not be lost, For it will, as he believed, appear once more, In a new and more elegant edition, Revised and corrected by the Author.”

Reflecting his view on death and life beyond.

Bette Davis (1908-1989)

“She did it the hard way.”

Having succeeded in Hollywood when the pressures against women were even greater than they are now. She was the first woman to be awarded a Lifetime Achievement Award by the American Film Institute

George Washington Carver (1864-1943)

“He could have added fortune to fame, but caring for neither, he found happiness and honour in being helpful to the world.”

Words to live by, and a wonderful legacy to leave.

Planning your legacy is as important as living it. These epitaphs remind us to consider what we want our final message to the world to be. By planning your estate now, you can ensure that your legacy reflects your values and what you stood for. If you need help with estate planning, don't hesitate to reach out. Your legacy is worth securing.

DISCLAIMER

Hazel Todd 17/06/2024 Hazel Todd 17/06/2024

Your Guide to Cyber Safety: 10 Practical Tips and Tricks

In today's digital world, where cyber-attacks are on the rise, it's crucial to keep ourselves safe online. Recent incidents involving major companies like Medibank and Optus highlight the importance of protecting our digital information. At WebWills, we take your security seriously. We use methods like multi-factor authentication, regular password changes, and continuous security training to keep you safe. In this article, we'll give you ten (10) simple yet effective tips to enhance your online safety, based on advice from trusted sources like www.cyber.gov.au.

1. Keep Your Devices Updated - Enable automatic updates on all devices to ensure you have the latest security patches and features.

2. Backup Your Data Regularly - Protect your important files by regularly backing them up to an external device or cloud storage. This ensures you can recover them in case of loss or damage.

3. Use Strong Passwords - Create unique and complex passwords, or even better, passphrases, for each account. Avoid reusing passwords across different platforms.

4. Set Secure Passphrases - opt for passphrases consisting of random words for added security. Make them lengthy, unpredictable, and unique to each account.

5. Activate Multi-Factor Authentication (MFA) - Strengthen your accounts by enabling MFA, especially for crucial services like email, online banking, and social media.

6. Avoid Clicking Suspicious Links - Refrain from clicking on links or attachments in unsolicited messages. Instead, visit official websites or contact trusted sources through verified channels.

7. Stay Alert for Scams - Be cautious of suspicious emails, SMS, calls, or social media messages. Look out for signs of urgency, emotion, or requests for sensitive information.

8. Spot Scam Red Flags - Evaluate messages for authority, urgency, emotion, scarcity, and relevance to current events. Verify their legitimacy by contacting trusted sources directly.

9. Report Cybercrime and Scams - Report incidents of scams to Scamwatch and cybercrime to ReportCyber to help protect yourself and others from online threats.

10. Seek Assistance When Needed - Don't hesitate to reach out for help if you encounter suspicious activity or have concerns about your online security. Stay informed and vigilant in navigating the digital landscape safely.

DISCLAIMER