I saw a post on /r/pmsforsale from /u/crafty_southpaw where he continues his silver liquidation and one justification given as he moves from silver to gold is not leaving a massive amount of silver for his wife to worry about. I think this is an important consideration and one I've thought about as well with my stack.
I thought I'd share what I've done/am doing to help mitigate this worry while continuing to build the stack - I'd love to know if anyone else worries about this and what they're doing, if anything.
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Convert an eclectic stack into one that is more uniform; this doesn't mean that you have to have all silver from the same company or of the same size. I have 1oz coins, 1oz rounds, 1oz bars, 5oz bars, 10oz bars, kilos, and 100oz bars - and for each of those, I have different variety, purchased as I saw opportunities come up. But a kilo is a kilo and my inventory just states total kilos - I don't care about maker. Same on the 100oz bars. I will differentiate ASE and Maple. I can and will do better making my stack more uniform (the day is coming when all junk will be sold). Note that simplifying the stack in this way doesn't mean only selling off stuff with a premium, as in the case with selling junk - but premiums do have a to do with it, which brings us to the second point.
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Sell off premiums to free the premium; pour that back into low-premium silver. I don't want my family to have the headache of figuring out how to get the best price for that 20oz Engelhard that goes for 1.5X+ spot. So I do it now and buy more low-premium silver that they can sell for spot later. Free the premium. If you don't, it will be squandered away when your heirs sell it at the LCS. But hopefully they know better than to do that, which bring us to the third point.
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Education. Make sure that whoever will be dealing with the stack knows how to compute something as simple as the spot price, or the difference between an ASE and Maple. They don't need a massive education, but the basics. Hopefully they know how to list something on Ebay (if you still have a premium item that needs to be sold). Better still if they know that /r/pmsforsale exists. And you should have a note telling them which online dealers can be dealt with for easy liquidation. I realize it's still a big ask for family members to be selling items like this - and they may need some guidance. And that brings me to the fourth
As title says, my mother predeceased my grandmother by 3 months and Aunt did not include us on anything inheritance-wise. I am not aware of any land type property that my grandmother owned, but there were other physical assets. No will of note, but I am contacting local probate office for any documents. I fairly certain there were IRAs, multiple investment accounts, and life insurance policies <-- from my understanding these are all non-probate items? It seems as though any money and assets were split between the living children (my mom's siblings). Have seen cousins buying new houses without a problem when they previously had no funds as well as my cousin wearing my grandmother's 4 carat wedding ring. Just wondering if we should have been included, are at the good will of aunt or we aren't included since mom died first?
I’m helping a friend whose brother died a few years ago write an obituary for her grandmother. Her brother and grandmother were very close, and her mother said that she thinks there is a way to honor a predeceased family member by naming them as a pallbearer of some sort. We haven’t been able to find any info on acknowledging a beloved predeceased family member other than listing them as predeceased. Does anyone know of any way to do that?
I don't want to step on anybody's toes here, but the amount of non-dad jokes here in this subreddit really annoys me. First of all, dad jokes CAN be NSFW, it clearly says so in the sub rules. Secondly, it doesn't automatically make it a dad joke if it's from a conversation between you and your child. Most importantly, the jokes that your CHILDREN tell YOU are not dad jokes. The point of a dad joke is that it's so cheesy only a dad who's trying to be funny would make such a joke. That's it. They are stupid plays on words, lame puns and so on. There has to be a clever pun or wordplay for it to be considered a dad joke.
Again, to all the fellow dads, I apologise if I'm sounding too harsh. But I just needed to get it off my chest.
The nurse asked the rabbit, “what is your blood type?”
“I am probably a type O” said the rabbit.
The doctor says it terminal.
Alot of great jokes get posted here! However just because you have a joke, doesn't mean it's a dad joke.
THIS IS NOT ABOUT NSFW, THIS IS ABOUT LONG JOKES, BLONDE JOKES, SEXUAL JOKES, KNOCK KNOCK JOKES, POLITICAL JOKES, ETC BEING POSTED IN A DAD JOKE SUB
Try telling these sexual jokes that get posted here, to your kid and see how your spouse likes it.. if that goes well, Try telling one of your friends kid about your sex life being like Coca cola, first it was normal, than light and now zero , and see if the parents are OK with you telling their kid the "dad joke"
I'm not even referencing the NSFW, I'm saying Dad jokes are corny, and sometimes painful, not sexual
So check out r/jokes for all types of jokes
r/unclejokes for dirty jokes
r/3amjokes for real weird and alot of OC
r/cleandadjokes If your really sick of seeing not dad jokes in r/dadjokes
Punchline !
Edit: this is not a post about NSFW , This is about jokes, knock knock jokes, blonde jokes, political jokes etc being posted in a dad joke sub
Edit 2: don't touch the thermostat
Do your worst!
I'm just going through the macabre process of sorting out what I'd like to happen to my stuff after I die and I thought that given I'm asking about how pension payouts work, people here might be able to offer some guidance. It feels more personal finance than legal advice, but I'd be happy to take this post elsewhere if the mods prefer that.
Here's the context: A fair chunk of my net worth is in my pension, which (for reasons best known to lawyers, perhaps) doesn't seem to be covered by the same legally binding cover of a Will. It seems that pension providers can basically do what they like but you can probably trust them to perhaps do what you put in your "expression of wishes". As long as they feel like it and don't reckon they want to do something else.
Right now, my only family members are my parents and a brother. For reasons I won't go into - except to say that I don't think it'd be good for anyone, least of all him - I don't want my brother (or any children he might have) to end up receiving a lump sum after I die. I also wouldn't want anything to go to any hypothetical distant cousins who never met.
My intention, which I'm also trying to set out in my Will, is that my estate (such as it is) should go to:
- My parents, if they're still alive.
- Some money to various named friends, if they're still alive.
- A particular, named charity.
As/if people predecease me, more and more will end up with friends and then the charity to the point where they get everything everything if I'm the last to go, but only a much smaller amount if I died tomorrow.
Something like: Start with everything. Give 60% to my parent(s) if they're still around. From what remains, give 10% to each of five friends who might still be alive. Give all that's left to the charity. Nice and straightforward. Idiotproof.
The easiest way to achieve that would ideally be to tell my pension providers "pay it all out into my estate and let it be divided up as set out in my will". Then I can write a single nice statement for my will, like the above, keep it up to date as many years go by (hopefully!) and know it'll be followed. (I'd even prefer that at the cost of losing any tax advantages, since it'd mean I could control more finely where the money goes).
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Is that possible? To say "stuff it all in my estate and follow the Will. Don't try to be clever. Don't try to reinterpret stuff. Just pay it out and let the executors do their job"?
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If not, can I say "give it all to my parent
How the hell am I suppose to know when it’s raining in Sweden?
We told her she can lean on us for support. Although, we are going to have to change her driver's license, her height is going down by a foot. I don't want to go too far out on a limb here but it better not be a hack job.
Ants don’t even have the concept fathers, let alone a good dad joke. Keep r/ants out of my r/dadjokes.
But no, seriously. I understand rule 7 is great to have intelligent discussion, but sometimes it feels like 1 in 10 posts here is someone getting upset about the jokes on this sub. Let the mods deal with it, they regulate the sub.
They were cooked in Greece.
I'm surprised it hasn't decade.
He lost May
Now that I listen to albums, I hardly ever leave the house.
Don't you know a good pun is its own reword?
Two muffins are in an oven, one muffin looks at the other and says "is it just me, or is it hot in here?"
Then the other muffin says "AHH, TALKING MUFFIN!!!"
For context I'm a Refuse Driver (Garbage man) & today I was on food waste. After I'd tipped I was checking the wagon for any defects when I spotted a lone pea balanced on the lifts.
I said "hey look, an escaPEA"
No one near me but it didn't half make me laugh for a good hour or so!
Edit: I can't believe how much this has blown up. Thank you everyone I've had a blast reading through the replies 😂
It really does, I swear!
And now I’m cannelloni
Because she wanted to see the task manager.
In English. (Tho I'd love to hear if other languages have one)
