Benefits of having a Bucket List…

Benefits of having a
Bucket List…

So, you may have seen our social media posts each weekend looking at a Bucket List destination or experience (and if you haven’t where have you been?)

We all know that life can be short…Tomorrow is promised to no-one and so it is important to have a Bucket List.

We take a look at some of the benefits of having a Bucket List AND…

If you want to feature on our Bucket List posts GET IN TOUCH, we would LOVE to hear from you!

Makes you think about what you would LOVE to do

Putting your Bucket List down in writing can really make you think about your goals and what you really enjoy doing. Perhaps, something that you used to enjoy or something you have never experienced before!

We can all get caught up with life sometimes and forget what we would LOVE to do, having a Bucket List can give us that little reminder.

Gives you something to look forward to

Once you have your Bucket List in place (and let’s face it, it’s going to constantly change, develop and be added to!) you can work towards booking those trips or experiences and have something to look forward to.

Motivates you and gives you something to focus on

Your Bucket List should help you to focus your mind on what is important to you and give you a little motivation to push through and work towards getting some of those things on your Bucket List ticked off!

Can create goals to push your boundaries

Your Bucket List may be goals that you aspire to achieve or promises to yourself that you will reward yourself with after completing something.

Your Bucket List may include some things that push you out of your comfort zone, whether that be a destination you have always dreamed of visiting but is beyond your comfort zone or an experience that really pushes you.

Sense of achievement

Achieving something from your Bucket List and getting it ticket off can provide an immense sense of satisfaction and achievement…and who doesn’t like to feel proud of themselves and like they have achieved something, right?

Keeps you active

You may want to use your Bucket List to ensure you are keeping active or partaking in an activity that you have always loved , or always wanted to try!

I’m thinking skydives, parachute jumps, trekking and all those experiences in between!

We are all different and so all our Bucket Lists will be different and that’s what makes them so exciting!

So, what are you waiting for?

GET YOUR BUCKET LIST STARTED!

 

If you would like to feature or share something that you have completed from your BUCKET LIST, then get in touch on info@TotalLegacyCare.co.uk or 01727 865 121

 

Do check out our Instagram posts to see some of the amazing places our clients, our friends, our family and even ourselves have been to!! Search #BucketList for inspiration

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

LPA Certificate Provider

LPAs: Who can be my Certificate Provider and what is their role?

Getting a Lasting Power of Attorney (LPA) in place for your Health & Welfare and your Property & Financial affairs is SO important and can be a relatively stress-free and quick process but you will need a Certificate Provider…

So, what is a Certificate Provider, what do they do and why are they needed?

Well, in order to register your LPA you will need a Certificate Provider to sign the LPA application to certify that you have the capacity to make the application and that you understand the extent of the power that you are giving to your appointed Attorney, or Attorneys.

In order to do this, the Certificate must have knowledge of the TWO-STAGE TEST FOR MENTAL CAPACITY and make a judgement as to whether you (the person applying for the LPA) can understand the information that is relevant to making the decisions within the LPA, whether they are able to retain that information and weigh up the information in order to make a decision and communicate that decision.The Certificate Provider must also be aware of the FIVE PRINCIPLES OF CAPACITY:

You are assumed to have capacity UNLESS it can be established that you do not.

You are to be treated as though you can make decisions UNLESS all practicable steps have been taken to help you make a decision and all have been unsuccessful.

Just because you make an unwise decision it does NOT mean that you lack capacity.

Any decision taken MUST be done or made in your BEST INTERESTS.

PRIOR TO ANY DECISION, consideration must be given to whether it is effectively achieves the purpose in the least restrictive way to your rights and freedoms.

So, who can be a Certificate Provider?

A Certificate Provider must be either:

A PROFESSIONAL CERTIFICATE PROVIDER can be someone over the age of 18 that has the necessary knowledge and experience, because of the skill and profession, to make a judgment as to your capacity.

Frequently used Professional Certificate Providers include, US here at TLC, Solicitors, Estate Planners, Legal Professionals, GPs, Medical Professionals and Social Workers.

A PERSONAL CERTIFICATE PROVIDER can be someone that is over the age of 18 and has known you for at least two years prior to the date on which you apply to register your LPA.

This person will need to be someone that can have a full and frank discussion with you about your capacity and your understanding of the LPA and the consequences of registering such a document.

Who CANNOT be your Certificate Provider?

Your Certificate Provider cannot be under the age of 18.

Your Certificate Provider cannot be one of the people that you have appointed as your Attorney in the LPA you are applying for.

Your Certificate Provider cannot be one of the people that you have appointed as a replacement Attorney in the LPA you are applying for.

Your Certificate Provider cannot be one of your family members (this includes your boyfriend/girlfriend, partner,  in-laws and step-relatives).

Your Certificate Provider cannot be a family member of the appointed Attorneys (this includes their boyfriend/girlfriend, partner, in-laws and step-relatives).

Your Certificate Provider cannot be your Business Partner.

Your Certificate Provider cannot be your appointed Attorneys’ Business Partner.

Your Certificate Provider cannot be your employee.

Your Certificate Provider cannot be an employee of your appointed Attorneys.

Your Certificate Provider cannot be someone that works for a Trust Corporation that is appointed as your Attorney.

Your Certificate Provider cannot work for the Care Home where you live (if you reside in a Care Home), or a family member of someone working for the Care Home. This includes the owner, manager, directors, staff and employees.

What next?

Once the above has been satisfied, the Certificate provider will sign and date the LPA application and confirm that you understand the LPA, its purpose and consequences, that you are under no undue pressure or influence to sign the LPA, that no act of fraud is being committed and that there is nothing that would prevent that LPA from being registered by the Office of the Public Guardian.

 

If you have any questions please do not hesitate to get in touch for a FREE consultation.

If you would like a FREE chat to discuss your options, get in touch on info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

Polygamous Marriages

What is the effect of a Polygamous Marriage on Inheritance?

We know that matters are more complicated when you die without leaving a Will, and everything that you have worked hard for may not end up with those that you want it to BUT what happens where a person dies leaving more than one spouse?

One question that often comes up is:

When someone dies without a Will their Estate (all of their assets, property and possessions) are distributed in accordance with the Rules of Intestacy (you can check out our simple flowchart here). 

In simple terms, where you die without a Will but leaving a spouse and no children, your surviving spouse will receive everything. Where you leave a spouse and children, your surviving spouse will receive the first £250,000 of your Estate and all of your personal possession, plus half of everything above the first £250,000 with the other half being split between any children.

Although you may be happy with your Estate to pass in this way, a lengthy and costly process may follow through the courts for your money to go to your loved ones and this could be avoided by having a Will in place. 

So what happens where there is more than one spouse?

This may occur where the deceased is domiciled in a country where polygamous marriages are recognised and legal but owns property in England & Wales leaving it to be determined by the laws of England & Wales to determine what happens to such inheritance.

Current case law, in England & Wales, recognises ALL spouses within a valid polygamous marriage as a ‘surviving spouse’ for the purpose of the Rules of Intestacy. This means that where the deceased leaves more than one spouse but no children, all surviving spouses would each receive an equal share of the deceased Estate. Where deceased leaves more than one spouse and children, the surviving spouses will each receive an equal share the first £250,000 of the Estate, plus an equal share each in half of everything above the first £250,000 with the other half being split equally between any children.

Anything that passes to a spouse upon death, passes free from Inheritance Tax and so where there is a polygamous marriage this is also the case and so all gifts made to a spouse in a valid polygamous marriage will be exempt from Inheritance Tax.

However, where the deceased is domiciled outside of England & Wales then the amount passed to a spouse will only be free from Inheritance Tax until the Nil Rate Band threshold is reached (currently £325,000) regardless of whether it is passing to a spouse or not.

In order for a polygamous marriage to be recognised and valid in England & Wales it must have taken place outside of England & Wales and adhere to that country’s legal requirements in relation to marriage.


If you have any questions please do not hesitate to get in touch for a FREE consultation on info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

Environmentally friendly funerals

Is it possible to have an environmentally friendly funeral?

With an increased concern (and quite rightly so!) on being environmentally friendly should we be considering how to plan an environmentally friendly funeral and is this possible?

In short…YES!

Now, to what extent you go to is entirely up to you, whether you take a few steps to be environmentally friendly or go the fully environmentally friendly.

Planning your funeral, and paying for it in advance, has so many benefits!

Not only does it mean that you get the funeral that YOU want but it also saves your loved ones a huge emotional burden as well as a financial one!

Having a funeral plan in place means that any unnecessary arguments are removed and your loved ones are content in the knowledge that they are giving you the send off that you wanted.

Here are just a few ideas for you to consider:


Coffins

If you are choosing a burial, you may want to consider a coffin that is made from biodegradable materials to minimise the impact that your arrangements have on the environment.

An important consideration, if you are planning on being environmentally friendly, is the distance that your coffin has travelled and whether you want to choose a manufacturer that is local to you, to reduce this.

Some biodegradable materials that you may consider are:

    • Willow
    • Bamboo
    • Cardboard

An alternative option, if you would like a wooden coffin, is to choose a locally sourced wood such as:

  • Pine
  • Oak
  • Cherry

Another consideration may be to have no coffin at all. This (although this may be surprising to some!) is an option, if you would prefer to have a material shroud instead of a coffin, this is a great environmentally friendly alternative.


Burial or Cremation?

Burial is a more environmentally friendly choice, as opposed to cremation, as it avoids the emissions of carbon monoxide, mercury and dioxin.


Travelling

Considering the travelling arrangements of those attending your funeral may be important to you. Although, you may not have control over all those that attend, you can express your wishes (such as car sharing or electric cars to be used) and could also make arrangements for an electric hearse and funeral cars.


Flowers

You may want to consider asking for flowers to be locally sourced and/or handpicked and to refrain from the use of packaging (or at least packaging that is not biodegradable).


Memorial Location

Choosing a Memorial Location that is close to your loved ones could reduce travelling when your loved ones wants to visit.


Funeral Stationery

Asking that minimal funeral stationery is used and using only recyclable paper is another environmentally friendly consideration.


Carbon Offset Contribution

You may want to consider leaving a gift in your Will to the Woodland Trust or another Carbon Offset Scheme as a contribution towards offsetting your lifetime carbon footprint (this is currently estimated at £8,000). Of course, you can leave a donation of any amount that you feel is appropriate.

If you would like a FREE chat to discuss putting a
funeral plan in place, get in touch on
info@TotalLegacyCare.co.uk
or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?