If you choose not to construct a will, then who concludes who acquires what? Often it may not go the way you would have chosen. To make sure your wishes are followed, you need to build a last will and testament.

Should you pass away without making a will it’s the law that decides how your estate is divided. The intestacy rules will be used and it will not be how you’d have hoped or wanted.

If you are legally married or have a civil partner but no offspring and your assets is valued at a specific figure or under then your partner would get the total of the assets including any life assurance . If the assets is worth greater than this figure and you have surviving relatives, your spouse would still receive this figure, in addition to half of the excess. There exists an order in which family would inherit, with surviving parents positioned at the top of the list, followed by siblings and so on.

If you have a spouse and offspring then your spouse would receive the specific amount as above and 50% of the excess. The offspring will receive half of the amount over the set amount right away and the other half on the passing of your spouse.

Should you have children but no legal partner, then your offspring would divide the estate. This might not be as you’d have hoped. You could have a companion who relies on you and who you might have intended to inherit at least a proportion of your estate, who would receive nothing.

To remove all possible apprehension about your assets, however straightforward it may seem, it would be wise to draw up a last will and testament. There are various ways to do this. You could build it on your own or hire a trained will writer or a solicitor.

Often people write their own last will and testament, commonly using a template which can buy from the post office. Caution is advised if you go along this route – it’s very simple to make a mistake and you could potentially find it void. The price of having a will constructed, especially a comparatively straightforward one, is not prohibitive and you can be confident that your wishes will be realised.

A professional will service or a solicitor will be used to processing all forms of queries and will be able to assist you. You might have questions about setting up trust funds and perhaps inheritance tax.
Having drawn up your will, it’s a sensible decision to review it periodically, as your situation changes. If you decide to amend it, then it is a smart move to nullify your existing one and have it re-written. If the alterations are minor, it might be more straight forward to draw up a codicil to make a section of the last will and testament and to be read in partnership with it. Any codicil will have to be written in the same way as the will in relevance signatures and witnesses.

Please be aware that any medical insurance cover will terminate on the death of the will holder and no value will be attributed to It in the will.

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One of the problems with email isn’t just spam these days. Actually, one of the most awkward problems is just how much email many of us want to keep. For example, I filter all my emails from siblings into a special folder, which keeps them neat. That’s great, but as they’ve grown over time they’re cluttering up my email application and making it slower. I don’t want to get rid of them, so what can I do?

You can read more about one particular solution at by clicking here.

If you use Mozilla Thunderbird, you’ll already know it’s free and it’s great. But if you have a lot of accounts in it and lots of incoming email, it does slow down. To use it efficiently you need to keep the number of emails in it down to a sensible level. Some people have many thousands of emails in their email application.

Some people keep that many because they want to access them whenever they feel like it. That’s great, but in reality most of us only need to do it once or twice a month ,at most. For me, I was running a sub-optimal system and my email application was slow Using an email backup system now gives me the best of both worlds. It’s possible to search for an old email whenever I need one, but my normal email system runs fast and lean, which saves me time every day.

Well, there are several solutions to backup outlook email and many of them are free.

The various solutions aren’t particularly easy to use,however. In your own search for a solution here are some of the facilities to look out for:

1) One click backup

2) Secure database backup – important if you want to keep the emails for years to come!

3) Easy viewing of stored emails

4) A rapid search facility

5) Burn to cd archiving

When you install your solution here’s a tip for you: delete your spam before you do the backup! There’s nothing worse than backing up a ton of spam messages.

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