5 Excellent Reasons Why Every Parent Should Make a Will 0

A mum makes her will online with her two children

As a busy parent, death probably isn’t on your mind all that often.

Yes, young children do have an eerie ability to find and eat/climb/touch the one thing in any given place that will kill them. And yes, stepping on an abandoned Lego brick may, on occasion, make you feel like death is the preferable option. 

But death, and wills, often take a backseat to more immediate problems. Like giving lifts (so many lifts) and prising the Lego out of your feet.

That’s a mistake. For parents, making a will is one of the most important things you can do for your family. Here’s why!

 

5 reasons every parent should make a will

Half term is over. After a week of juggling a full house, you finally have some time to yourself. Why not take 15 minutes to make your will? After all, you can…

 

1) Choose guardians

If you were to die tomorrow, who would you want to raise your children?

The obvious choice isn’t always the best one. The grandparents are an option – but kids can be exhausting, even for young sprightly people. You also might have siblings, but how close do they live? Who actually feels the same way as you about things like discipline, religion, medical care and education? 

With a will, you get to pick guardians for your children in case something happens to you. That way, someone you trust will raise your kids the way you’d like them to be raised. 

 

2) Protect a partner

Can your partner pay rent without your help? Or the mortgage? Would they be able to afford child care without your salary in the mix?

If the answer is ‘no’, a will is essential. Why?

If you and your partner aren’t married, they aren’t automatically entitled to any of your estate when you die. 3.3 million couples in the UK are cohabiting without that ring on the finger. If you’re one of them, you’ll need a will to make sure your partner would inherit anything from you.

If you and your partner are married, they STILL won’t necessarily get everything! They’re entitled to the first £250,000, all your belongings, plus half of whatever is left over (the rest goes to your kids). 

This might seem fine and dandy. But there’s a real benefit to leaving your whole estate to your spouse: anything you give them can’t be taken in inheritance tax. Spending just £90 on a will could save your family thousands.

 

3) Protect your children

You might not want your partner to get everything if you die. After all, while we might like to imagine them mourning us forever, casting a single rose on our grave every day and never loving again, there’s a good chance your partner will find someone else – making their new partner their heir. 

So, you might prefer to leave a decent portion of your estate to your children: a little untouchable nest egg that spouse 2.0 won’t be able to touch. 

Similarly, your parents may well need care as they grow older. Without a will, they don’t have a claim to your estate unless you’re unmarried with no kids. You could set aside some funds to help them manage.

 

4) Prevent family disputes

No one wants their legacy to be a really bitter fight between their relatives. Least of all parents, after years of threatening to turn the car around if the kids don’t. stop. bickering. 

With a will, you can make your wishes clear, and make sure everything is fair, too.

If there’s a family heirloom that would be better off with your sister than your partner, you can pass that on: fight prevented. 

If you’re a step-parent, you might want to make sure your step-children get the same benefits as your biological children. Without a will, step-kids have no automatic claim to your estate, even if you’ve been acting as their parent for years.

 

5) And remember: it’s never too early

A lot of us put off making a will. Plenty of time for that later. But when you’re a parent, the consequences of dying without a will can be particularly painful for those left behind. And according to Child Bereavement UK, a parent of a child under 18 dies every 22 minutes in the UK – that’s around 23,600 people a year.

With a will, you can safeguard your family’s future, whatever happens.

 

Make a will today

It takes just 15 minutes to make a will with Beyond. Simply click here and answer our simple questions about your wishes, and we’ll turn them into a legally binding will. All you have to do is print and sign.

Make your will

A simple will with a traditional solicitor costs between £150 and £500. At Beyond, it costs just £90 for a single will and £135 if you make yours with a partner. And for just £10 a year, you can get unlimited wills: that means that whenever something in your life changes, you can update your will quickly and easily. Perfect for growing families.

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How to Plan a Funeral For a Football Fan 0

football fan funeral

As personal funeral services become more common and people begin to step away from the traditional black dress, hearse and hymns approach that we’ve come to associate with funerals, it’s interesting to look at how hobbies, interests and passions have become more of a focal point. A perfect example of this phenomenon is football.

 

Football is a sport that plays a major role in many people’s lives across the country, so it’s only natural that some families choose to incorporate a football theme into a loved one’s funeral service. Here we take a look at how to plan a funeral for a football fan and what you can to do to make it a really special occasion.

 

Wake at a stadium

More and more football clubs are beginning to offer their hospitality facilities to fans for use as a wake and memorial service venue. Many offer a catered service where friends, family and well-wishers can gather together to celebrate the life of a loved one in a meaningful space. Though this is by no means an exhaustive list, clubs such as Brighton and Hove Albion, Everton Football Club and Norwich City Football Club, all have spaces to hire for this purpose. If you want to remember the deceased somewhere they enjoyed visiting, there could be no better place than their own club’s ground.

 

Match day programme

It’s usually possible to contact those in charge of producing your local club’s match day programme to see if they’re able to dedicate a little space to the memory of the deceased. Often, they’re able to edit in a short message, include a photograph or even print a submitted piece of writing that details the important connection the deceased had with their club. It’s also possible that they’ll be able to suggest alternative ways you can honour their memory or put you in touch with other management figures at the club.

 how to plan a funeral for a football fan

 

Transport and flowers

One of the more usual ways of personalising a funeral is by hiring different types of vehicle to transport the casket to the service. There are an enormous number of companies offering such a service, but Vintage Lorry Funerals stand out for their ability to provide bespoke funeral transport for a football fan. Though they theme their beautiful 1950 Leyland Beaver in a number of different ways, they often transport caskets backed by large football flower arrangements in the colours of a favourite team.

 

A memorial match

If the deceased loved to play football and was part of a five-a-side or full eleven-a-side football team, you may want to see if you can organise a match in honour of their memory. Even if it’s just friends and family, it’s a great way to remember the deceased and what they loved doing most. If you want to take it a step further, you could organise a fundraiser for a charity that was close to the deceased’s heart, arranging food and drinks for after the match and asking for donations.

How to Save for Retirement 0

save for retirement

There are a number of different ways to save for retirement and which option is best for you will largely depend on personal circumstance. However, most experts suggest a combination of saving techniques as the most sensible approach to take.

 

While straightforward savings accounts give you easier access to your funds in case of an emergency, pensions and investments can result in greater returns. It’s also important to think about the ways you can mitigate against rising costs and larger expenditures as you get older. Committing to a funeral plan is a great example of one way you can avoid paying out large amounts once you hit retirement. With this in mind we take a look at a few of the key ways you can save for retirement.

save for retirement

Straightforward savings

The simplest, though perhaps not always the best, way of saving for retirement is using a traditional savings account and ensuring you put a set amount of money away each month. There are a number of savings accounts to choose from, including ISAs, instant access ISAs, notice accounts and National Savings accounts, so do your research and work out what type of account is best for you. Make sure you think about how easily you want to be able to access your savings, how much interest you want to be earning and whether there are any additional features you require before signing up.

 

Investment

Though there’s always a little bit of risk involved in investing your savings, it can result in much larger returns on your money. If you have experience of the financial markets and feel comfortable making investment decisions on your own, there’s no need to look for outside help. However, if you feel you could benefit from some guidance, it may be best to talk to investment specialists. Though they will either charge a fee or take a percentage of your returns, it is probably a more secure way of investing your hard-earned cash.

 

Pensions

Pensions are an important mechanism for ensuring you have enough money to last you during retirement. Though everyone has a small state pension, most people pay into a private scheme that’s either operated by their employer or a private company. It’s worth noting that you have no obligation to pay into your employer’s pension scheme, and sometimes it is worth keeping your options open. There’s a wide range of pension schemes to choose between, so it’s worth taking the time and effort to explore your options before beginning your payments. Look for an established provider with an excellent reputation to ensure your money isn’t mishandled in any way.

 

Funeral Plan

Finally, it’s a good idea to look at ways you can minimise expenditure later in life to ensure your savings go further. One of the key ways of doing this is by looking into funeral plans. Though the benefits of such schemes vary depending on the company you go with, plans like the Beyond Open Plan tie the cost of your funeral to current price levels. This can mean enormous savings when you consider the fact that funeral costs are expected to rise to an astonishing £10,203 within the next 12 years, while the average funeral comes in at just £3,800 now. By ensuring you’re prepared and taking action now, you could make your savings stretch a lot further.