If you know me there is always a story

Most people expect Santa on Xmas eve - milk and cookies- not defrosted ice cream and a watery mess in the fridge
Can you see where the old fridge was. Built into the rv it was only about 10 cubic feet but it was a hard worker. At the tender age of 22 it died and we had to haul it out, that sucker was heavy, WE loosened the bolts , capped the propane. Then I grabbed a neighbor to help us lover it from it`s perch to the floor. I placed blankets for the the fridge to sit on and swirled it around the floor to the door of the rv. Ben had a fridge dolly and we promptly placed the old fridge in the dump. Now our groceries were all over the neighborhood. We rescued this 4 cu fridge from another neighbor paid them and plugged it in, we were good to go.

Now we are awaiting to pick up a fridge tomorrow one that is a regular apt sized and will fit into the hole about the fridge. I even think that we might have room to put a shelf in the area above the fridge. BUT we will get it into place first. Our neighbor will take us with his trailer and truck and help us load up the fridge and bring it back, After a day or settling we should be able to plug it in!!!

Thank goodness for all the extra coolers we had in the shed one never knows when they will be needed

Daffodils...................

This little sweater is knitted from the top down, it is a seamless yoke sweater easy peasy! 

Hats today mittens tomorrow

Business is booming

 

Here I am sweltering as I am sewing things for next winter. The prices are good here so I am taking advantage of these and testing out patterns for my little shop to be. This is reversible and I choose not to put any elastic or cording in the hood, but I will another day make some warm fleece hats so when the hood it up it will stick to that . Another moment maybe a little velcro will keep it snug in place. It is always a plan to see what I come up with next! This one is lined with fleece and reversible

Look closely

Can you see the gator in this picture> He is laying on the log to the right of the sign. Just sunning himself., must be soon feeding time as he has come to the surface

I had some left over cotton

I saw this pattern and just had to make it , \SO cute! 

Back in the swing

No time to waste
I finished a pink 5 X 6 pink modern quilt top and this little sweater.
All I need to do is raid my sewing box for buttons
Not sure what is on the agenda tomorrow
BUT I did get the bed sheets made as promised

Xmas is a coming

NO snow , no ice, no freezing rain or temperatures below freezing, Hard to imagine it is almost Xmas.
Where has the time gone!! Yet not far away from us  there is a tornado warning -- does that count?

Xmas is on it's way

This is just a teaser - there are many Xmas decorations and most are deflated at this time of the day so tonight I will have to get out and troll with my little camera and see what is up, My son in law did not like the inflatable Santa I bought for the daughters house so I brought it here. Fits right in for FLorida.

Warmer Days

How I love Gardenias and so do the verment in my yard.
SO I snuck over to a neighbors and took a snap of their
They do smell nice

Dear old dad

Passed away last week and he gave me a very important job. Little did I know my training would come into effect. After I completed a lot of running around and on the LULL side of my executor activities, I decided to write a post. No one warned me about the duties ahead and the complications that I had met and only me would find all the loopholes that could present itself. Dad left a perfect will, straight forward and precise. In the execution of my new "JOB" a complication arose BUT he raised a smart daughter who hired a smart lawyer to advise me was the smartest thing I did! Problem solved!

Sit back and pour a coffee and if you are an executor make yourself scarce, better yet leave the country > HAHA that didn't work notice I am in the cold north!!

As I took my post in Ontario I though it would be an idea to share my highjinx in the past week. If you are planning to die, save everyone DON"T.

JUST DON'T DIE!!!!

Have you ever heard of the word Executor or Execturix.
If you haven’t start now to engrave these terms engraved in your cerebellum.
If you have and your name is used in the same sentence as either of the above, RUN!!!




Recently I found myself with that oh so glorious title, no pay and a ton of excitement. It was then that I decided to create my blog on being an Executor

Things to know:

1) Obtain not one, not two but 10 copies of the will and a photocopy wont do they need to be seen by every officials office that you need to visit,and they need to be notarized!

2) Death Certificates- get 20 better more than not enough. Every banker, government body that you deal with wants one and your out of town guests will want one for the air fare reduction and hotels

3) Now the fun begins you are well armed and you first want to cancel that Government Canadian Pension plan and Old age pension and apply for the survivor pension . The One form that cancels the CPP also cancels the AOS. The Survivor Pension is filled in one half by the executor and the second half by the surviving spouse. Oh and dig through you records you will need a NOTARIZED copy of the marriage certificate ( 1-800-277-9914)

4) Tax man will come and look for you , You will call the CRA and declare the death then write a letter to the Revenue Agency pledging that as an Executor you will be PERSONALLY RESPONSIBLE for the tax. You will once again include a notarized copy of the will as well as the death certificate. (1-800-959-8281)


YOU WILL SOON LEARN THAT EVERYTHING YOU DO WILL REQUIRE NOTARIZING!

5) If the deceased had a work insurance or are a Federal Employee with a Sunlife policy call the Sunlife number to alert them if there are any policies to be paid out. The general Sunlife number needs to be called to cancel the dental and medical policies, Spouses need to reapply for their own policies (1-800-757-7427)

6) Don’t forget to call the Pension Center for the Public Service commission if there was a pension held by the deceased (1-800-561-7930) You got it a death certificate and Notarized will!

7) Service Ontario – return the Health and Drug card and make sure you note those numbers because some one will ask later. You need to submit the death certificate only – DO you live in a large metropolis go to a suburb to do your paperwork smaller lines , less bodies. Take extra death certificates with you and will will get a receipt, Keep it close because some dang person is going to ask for it and you gave it away but if you have the numbers then you are in business

8) Service Canada- This is the office you would return the SIN number and your CPP paperwork. Make sure that it is well filled out before you get to the office and they will check it twice

9) Ok this is somewhere you are going to become familiar. GO to the bank that the person you are you are executor for used most unless of course you don’t live in the same
area. Open an estate account for the deceased and your profile will be referenced with that account. Go to every bank that you loved one may have done business, close account and consolidate those you find to the one estate account. Got stocks and shares to deal with- write a letter of direction , liquidate them into a cash estate account PRONTO

10) Check any online trading accounts and with any financial advisors , convert shares to cash, Hope to god the deceased may have cashed in their RIFF and RRSP if not just remember TAX>>>>>>>>>>>>>>>> There goes the inheritance

11) If you think you missed something at a later date go to lostcash.ca Bank of Canada scoops up dormant accounts and holds them until claimed. So you find an account there and guess what? You need to prove that the decease lived where they did when they had that account, so you look and find that the account was in 1929 and they lived 5 states away? Looks for anything with an old address, a bill, will or any kind of documentation ...............

12) Credit Card, cancel all and remember when you do if there was a supplement card it too will be cancelled- any balance on these can be paid by the estate. You may hear from the surviving spouse Pretty Darn Quick when you eliminated their mode of spending



13) Estate account was designed to help pay funeral cost , Well what they don’t tell you or at least not at the bank I went to you can’t access it YET< you can set it up and you can bring the bills into the branch and they will make a cheque payable to those that are requiring payment You can’t get your hot little hands on the loot- so dig deep and remember to smile when you realize that job you came with is a costly one and hope you know that Uncle Fred left enough to pay the bills! 14) Next is probate This is one step you need a lawyer for, It is not a hard job so you don’t need to pay the worlds best, a junior lawyer will do. The deceased total worth ( not joint accounts) are taxes in a grab = to 1.5% + lawyer fees. I did not have to deal with realestate but apparently that is a lot more involved. Probates 6-8 weeks to process, once granted then you can open the coffers and pay the bills,inheritance etc 15) Registered funds, need to be informed of the deceased death and once probate has passed you can have the fund decommissioned and moved into a cash account, the same with shares sell the and convert to cash. If you want to sell shares before the probate period you can do so, but you need to have ANOTHER NOTARIZED FORM 16) TAX TIME - you obviously are still here and did not run fast enough. The year of death would be a regular tax. Once that is done then the estate or final tax is performed called a tax T3. Now lets just say that your Uncle was a popper or pooper- well did you know that the dead can't pay tax but you can! If the estate acrues more than $500 between the taxes of the previous year and when you close the account then a tax would be payable. And if greater than $500 then payable by the heirs who inherited the loot Executors you have your work cut out for you , any expenses you have and only you can be reimbursed by the estate your spouse is not to be refunded. SO whether you leave him/her on the tarmac is your problem, Keep great records because you know you are going to be audited. Lets face it you have an important job,no pay and they will haunt you for sure. Inform all beneficiaries of the accounting, and what they are entitled to as well as how the books look on your end. Once the beneficiaries are paid out you will want a release from them that they have been paid their inheritance. NOW what I didn’t know……… SO you went to the lawyer and you have this latest will, you know it is the right will and you are assured. READ IT and STUDY IT. If you are not comfortable with anything ask your lawyer. Make sure the beneficiaries that are listed on the current will match what you may be signing over. You know the old adage if it is stinks it is rotten. Take your job seriously and ask if you are in doubt. Paying a lawyer for a few hours is the smart thing to do…. Remember that you are responsible for anything that may come out of a poorly executed will, BEAWARE that Uncle Sam has your number and if you have dealt out the funds with out a sufficient hold back for taxes then guess who is paying Peter or wearing a nice stripped outfit! NOW if you think that funeral is pre paid- well maybe what they don't tell you is OOPS they did not include- flowers, music, eats and treats, Burial costs( that is to open the grave if you already own a plot), dvd's. Oh don't forget the obit with your loved ones pic - think again at the cost $200 difference between the pic and no pic, tax on prepaid service and embalming cost. And did you want any lettering on that tombstone? Get out your engraving pen $250 for four +++ numbers. And if your Uncle was not so thoughtful to die in summer just add another few hundred for opening the grave and weekends are extras and no Monday Senior Days SO do yourself a favor if you plan on dying, Give your executor advance notice $20K to do you up right, make sure absolutely everything is in joint names even if it is with Uncle Joe . Make sure that there absolutely no traces of the old will and update the beneficiaries. Now if you have reached the end of this post I know you did not RUN FAST enough! You will have to excuse me as I make a list and start calling my friends one by one to see who my VOLUNTEER is???? Any takers................