This is a guest post from Andrea. Andrea lives in the backwoods of northern Virginia with a small menagerie, where she fritters her life away reading, hiking Civil War battlefields, and surfing the internet when the weather allows her primitive satellite connection to stay up. She’s involved in social justice, battlefield preservation, and is foolish enough to try going to school full time while holding down a full time job that requires a 100 mile daily commute. You can catch her blogging this idyllic life over at the Manor of Mixed Blessings (posts there have no redeeming social value).
Back at the end of January, my estranged father passed away intestate (without a will). He was also divorced. This meant that I was his sole heir, and also got saddled with being the executrix of his estate. And let me tell you, I had good reasons for being estranged from the man but prior to his death I didn’t really loathe him. After his death, I most certainly do. Disposing of his estate has been a nightmare of flailing around trying to piece together the financial life of a man I didn’t know, who lived a 12-hour drive west of me, kept every single piece of paper ever in a series of various boxes and drawers, and apparently did not communicate anything to anyone, ever. It is no lie when I say to you that I am contemplating making the 12-hour drive to visit his grave JUST so I can have a dog pee on it.
This has led me to the conclusion that you can handle your estate in one of three ways: you can hire a lawyer to be your executor, you can saddle the person you most dislike in the world with the duty, or you can set things up such that whoever does it does not end up with a burning desire to resurrect you just so they can choke you. It’s the third one I want to tell you about; there’s some very, very basic things you can do that will make life a lot easier for your executor when you’re gone. My advice is necessarily US-centric because I have no experience being an executrix anywhere else in the world.
The first is make a will. In it, specify who you want to be your executor. Get that person’s agreement. I cannot stress this enough. Do not surprise some poor bastard with the news that they will now have to handle disposing of your estate, even if you are the most organized person on the planet. It’s cruel and unusual and no fun for the person you’ve just surprised nastily.
The second is start making lists. You need to make a list of every bank where you have a financial account and every insurance policy you have. This list needs to include the telephone number and address of the institution where the account or policy is located, and the account or policy number. For insurance policies, list the amount of the payout and the beneficiary. Give the beneficiary’s contact information, as well. For financial accounts, if possible keep a copy of the latest account statement with this list.
For that matter, keep all your financial information in one place and organize that crap. It doesn’t have to be complicated, it doesn’t even have to be in alphabetical order, but folders labeled with the names of the banks or companies with any and all correspondence stuck in them will be useful as hell to the person cleaning up after you’re dead.
Make multiple copies of your will and your list. Put a copies in a folder labeled “OPEN WHEN I’M DEAD” or similar and keep it with your financial folders. Consider giving copies to your executor if they’re the kind of person you trust with that information. Take all your folders of financial information, your OPEN WHEN I’M DEAD folder, and put them in a sturdy box. Plastic, for a preference, because it does not decay and fall apart like cardboard and is easier to lift than a fireproof safe. Label the box in large letters “IMPORTANT FINANCIAL INFORMATION” or similar and stick it wherever you like, but tell your executor where to look. Keep these files up to date, particularly that list.
Now sit down and make yourself another list. This one is a list of everyone who sends you a regular bill: phone companies, utility companies, landlord, credit cards, loans, whatever. It should look a lot like your other list, only labeled “BILLS” instead of “WHERE I BURIED THE MONEY”. Give the company/person’s name, their contact information, and your account number. If the bill is a static amount, list the amount. Stick this list in your OPEN WHEN I’M DEAD folder.
If you have an online presence, you may want to make a list with the URLs, account names, and passwords.
Make one last list, finally. Call this one “People Who Will Want To Know I’m Dead”. It’s pretty self-explanatory and should include names and contact information. Put it in your OWID folder and keep it updated as people move, change phones, or ditch one e-mail address for another.
If at all possible, make arrangements to pay for your funeral ahead of time. Your bank accounts will be tied up in probate for months even if things go quite smoothly, so if you haven’t pre-paid for a funeral ask yourself how your family is going to pay for the arrangements you want made. Consider, if you have a terminal illness, adding your executor to your bank account as a joint tenant with rights of survivorship (this is the only thing my dead estranged father did right), which will give them the ability to access that account without having to worry about probate.
Let me tell you how my estranged father’s death went, without all of this. I got the call that he was dead and had to plan his funeral arrangements from some 800 miles east of where he died. Luckily his sister was willing to put the costs of his cremation and memorial service on her credit card. I then packed my husband and puppy in the car and we drove twelve hours west, attended the memorial service, and then had to clean out my dead estranged father’s apartment and try to track down who all needed to know he was dead.
I had exactly 5 days off work, and one Honda CR-V which also had to carry me, my husband, the puppy, and our luggage. Time and space were at a premium. My husband and I moved through that small apartment like a hurricane, looking for any meaningful family artifacts and any important paperwork. We had four 15-gallon or so Tupperware containers we filled up. Because papers were everywhere, we just collected anything and everything and dumped it in the “Paperwork” Tupperware bin. Family oddments I actually wanted went in the other three.
And then, because I was fortunate, I was able to hire a lawyer who had everything left in the apartment taken care of, including the motorscooter. Meanwhile the husband, the puppy, and I drove twelve hours home where I started digging through the paperwork so I could tell the lawyer what the estate consisted of, financially. I called, I am not shitting you, three different retirement programs plus the Social Security Administration. I called the phone company. I dug through my dead estranged father’s personal mail and tracked down his regular correspondents and notified them. I provided what I believed to be a complete list of assets to the lawyer, and he got an order to dispense with administration of the estate, and then two months later one of the retirement programs sends me a letter to tell me there’s $36,000 in assets with them that they need to distribute but they won’t so much as tell me who the beneficiary is without a copy of the order to dispense with administration specifically listing those assets. Which I do not have, because when I called them and informed them of my estrange father’s death, they said nothing about these assets. Helpful. Very helpful.
At this point my estranged father has taken up significantly more of my time and energy dead than he ever did alive, and the whole process strikes me as a perfect example of the kind of self-centered assholery that made me decide I was better off without him in my life. I regret, at this point, allowing his ashes to be buried rather than taking custody of them so I could use them as litter box filler. Do not be my dead estranged father. Your heirs may be more on the ball than I am and you may spend eternity soaking up cat urine. Sit down, and start making some lists.
Notes From the Urban/Rural Divide: The Hayseed
I often encounter the attitude that people living in rural areas have nothing to contribute to the rest of the world. They are hayseeds, rednecks, country bumpkins. This thinking comes from the idea that the only work ‘of worth’ in this society is creative work, that a novelist is more important than a farmer, a sculptor means more than a mechanic, an actress is more important than a stay at home mom homeschooling her kids1. This pervasive attitude contributes significantly to the devaluation of rural communities in the United States; to the idea of the ‘flyover states,’ for example, like huge swaths of the country are just cultural voids. Their citizens don’t do anything. They don’t make creative work. They don’t invent things. They don’t work to make the world a better place.
They just…what do you think rural people do? Work on farms? Maybe in some aspect of a support industry for farmers? Do you think rural people are all farmers or tractor mechanics or horse trainers or cowherds or something? Because that’s the impression I get from a lot of people when they talk about how rural areas have nothing to add to the rest of the country. Oh, sure, they make food, but that’s about it. Who cares about food, I mean, really.
I live in a rural area that does not produce food, not in the sense of staples like wheat, corn, rice, vegetables, fruit. Our primary agricultural products are marijuana and wine. I guess that means we don’t do anything except get people drunk or high. Oh, except, wait. I’m a creative professional, living in a rural area. Which…seems to suggest that maybe some rural areas contain creative professionals who, like, write books and stuff. Maybe they’re journalists, photographers, sculptors. To name just a few of the things my friends, who also live in this rural area, do.
Aside from the fact that producing food is a huge contribution to society, that urban areas cannot produce their own food and rely on farmlands to do it, that people in the city would not survive if it wasn’t for the work of the ‘flyover states,’ rural areas have a lot to contribute if you’re going to use the ‘creative people are the most important people’ metric. Creative professionals can and do live in rural areas, and they build careers there. I know literary agents in remote areas of Ohio. I know Hollywood actors who live in rural communities. I know tons of authors, documentarians, journalists, visual artists, who all live in rural communities. I know attorneys who argue in front of the Supreme Court who live right here, in this community.
Our work is regularly displayed, discussed, and promoted in urban areas, but no one talks about where we come from. No one talks about the fact that we are coming from some of the most maligned communities in the United States, that despite the claim that everyone who lives in a rural community is a ‘useless redneck,’ we are contributing things that urban communities value highly. We are accomplishing these things in the face of tremendous odds; we don’t just have to try and build creative careers, we have to do so when we may have trouble accessing the Internet, when we can’t easily attend meetings in urban centres. And when we are constantly reminded that we have nothing to contribute, and we are devalued.
I’ve talked before about the attitude I commonly encounter here where I run into people and they say ‘oh, you’re still here,’ with a sneer on their faces. I’ve always been bothered by this (one may as well make the same comment to them). People act like I am giving up and turning into a failure by returning to the community I grew up in. They talk about how I had such promise and a bright future until I ‘gave it all up’ by coming back to Fort Bragg, like it’s functionally impossible for me to contribute to society in any meaningful way as long as I live here.
The idea that rural people have nothing to contribute is so widespread, so entrenched, so widely believed, that even people in rural areas, who should know better, buy into it. People tell me it’s impossible to build a career in writing or journalism without living in a city like San Francisco or Los Angeles, or preferably New York, cornerstone of the publishing industry. People tell me that I am throwing my life away by stubbornly remaining in my home town.
Newsflash: Some of those books on the New York Times bestseller list? Were written by rural people. In fact, about half the year, when I take a look at that list, I see a book written by someone from this area. This particular rural area happens to have a lot of creative people, and so it’s not surprising that I encounter their work being singled out for praise by city people a lot. The demographic is a bit skewed. But this is not the only rural area with creative people. This is not a strange outlier. This is a place, like a lot of other places.
This is a place, with people in it, and they are contributing things of value to society. We are not bumpkins, hayseeds, rednecks. That guy down the road with the jacked up truck and the gun rack? Yeah. You call him a redneck, but he’s a poet with a very lengthy list of publications in very, very prestigious places. So, you tell me: Do you still think rural people have ‘nothing to contribute’ according to your fancy city metric that says only creative people are of value?