A is for Apple Childcare

IF YOU DO NOTHING ELSE, put a beneficiary on all of your financial accounts like checking savings CDs, Life Insurance, investments etc. You don't need a will for them to get to your money, just a death certificate. And make a list, preferably by hand instead of your computer, either give it to your trusted person, spouse or put it in your security box at the bank. If the person doesn't know you have a savings account or a CD at XYZ Bank, they can never go get the money. Make sure you have a trusted person that is a signer on the security box at the bank.

🗣 IMPORTANT information to get your affairs in order‼️

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.

🛍Last Will and Testament: Designates to whom personal belongings will go to, who the Administrator will be. But if you have a beneficiary on any of your financial accounts, that will override a will. For instance if you say I leave all of my possessions to my daughter Susie, but on your savings account the beneficiary is your best friend, then the money goes to your best friend

🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.

If the above documents are done, you can AVOID probate.

If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

Make sure heirs know where life insurance policies are located. 📂

📝Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

🚗 Make sure you have titles for all vehicles, campers, etc!

Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

(REPOST-I DID) and it’s a very necessary conversation

Very good information to have!

‼️‼️‼️

𝘿𝙊𝙉'𝙏 𝙁𝙊𝙍𝙂𝙀𝙏!

𝘾𝙡𝙤𝙘𝙠𝙨 𝙜𝙤 𝙛𝙤𝙧𝙬𝙖𝙧𝙙 𝙤𝙣𝙚 𝙝𝙤𝙪𝙧 𝙩𝙤𝙣𝙞𝙜𝙝𝙩!

Happy black History month! Thank you for supporting my black owned businesses
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I appreciate it 🥰
Ashley Felton 😘

New TRIPS WILL BE POSTED ALL WEEKEND LONG!!
I have a HUGE but SMALL favor to ask…
Go to my business page T is for Trips
Go to the 3 little dots…(on the side of page)
- Hit “Invite Friends”
- Select "Invite All"
- Done
You’ve SUCCESSFULLY supported my business for $0.00 and less than 1 minute of your time.
📣 Thank you for supporting a small businesses.
Copied but wanted to share as this is an amazing way to help us small business owners for free.
*I highly encourage my small business friends to copy this and use it!*
Thanks in advance yall! I would do and have actually done the same for some of yall and will continue to do so!

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🚢🎁Christmas cruise sale so you can SAIL! $4 deposit per person 4 people only $1400 for the cabin!!! October 31-November 4,2024 link and info in comments

👶🏽📱 Attention new moms! Here's a helpful tip: Navigate to Accessibility on your iPhone, then Sound Recognition. Activate "Baby Crying," and if your phone detects your baby's cries, it'll trigger an alarm to ensure you wake up! If you have a child or mate with asthma, the activate coughing 🍼💤

A is for Apple Childcare
Ashley Felton