DEATH OF AN EX-PAT

Recently a Foreigner friend of mine died, he really was a good guy well liked by all who knew him, but he was stupid and his big mistake was; it was like he thought he was going to live forever, as a result of that he had made no provision for his wife and child's future, now they have no income, they lived in rented accommodation, there was no Funeral plan in place, no known Will and a little savings only that may just cover the Cremation? I expect the Wife and Child now have to go back to living with family eating dried fish and white rice, while the Husband was alive they really did live high of the Hog as the man had a good income, but what a disaster for them now.

 

Thats why its really important to secure the future of your family. You have to think ahead. We cant predict the future and we dont know when our life is going to end.

Well, maybe its time for the wife to find a good job to support their kid.

 

Very sad to hear. I suspect many ex-pats here think they will live for many years to come but we never know at our older age 60 plus when we will go. I have made a will, plus a list of instructions on what to do., my family contact numbers and email. Passwords for my accounts and other important info. I have this tucked away with my private papers for her to find in the event of popping off this mortal coil.

I would add I am not (yet) married to my Filipina partner of just over one year and no children yet. But would like to help her in the event of my untimely demise.

 

Well this particular woman has given 14yrs of her life to this man and at the age of 35yrs with just a standard education, how is it possible for her to get this good job? I'm sure she will be forced to find something but it is likely what will be available to her will only get her P250 a day, I guess that will keep her and the child in White Rice and Dried Fish?

 

That's what a foreigner, married with a Filipina and living here, should do.
I even downloaded the "application forms for widows" for my 2 Pensions, so my wife have just to sign and add the date of dead.
Many times in the last years I heard about situations like that and very often the wifes and children come in a very bad situation - I really cant understand why people doing that!

 

I agree with all you have said here, these are just the things I have put in place, but added to that we have two St Peters funeral plans, at the moment I am back in UK going through the process to release equity from my property here, with a view that when I do return, we will buy land and build a modest house that will be affordable for her to keep on living in when I go. We also have two boys and that makes all of this even more important to me.

 

Oh yeah,35 is a bit late already, opportunities are less for that age already. I thought shes still at 20's

 

I am now limited on what I can do but I am helping to put my wife through college and our house is paid for. Good topic.

 

I have tried to discuss this topic with my Wife here but as is usual Death is the last topic they wish to discuss. I am hoping once we are paid off with the land and have some breathing room I can put her into a Uni Course as a Care Giver. Hopefully that will help to carry her into the future a bit better than just being a Maid would do benefiting us both.

I am in the process of buying land where in the future she can cut some off to sell. I am also hoping to invest in several 100M2 Lots for future investment which she can sell off if need be. Our Lot is 2131M2, so will have some room to raise some livestock amongst the Fruit Trees, which will hopefully provide a small income also when they begin to bear fruit. I am 57YO now and have my problems, and I know I will not reach a ripe old age, I cannot take anything with me, so for now my focus is to provide for my Wife and Daughter's future.

Once the Lot is paid for and and we hold the Title, my Attorney is doing up a Will for us to cover the three of us each which way for our future should one of us pass.

Another thing I have thought about is Life Insurance, but am of the belief that it will not pay out in the event of 'Death by Natural Causes' so should one of my ailments take me, I feel it would only end up being wasted money. (YES I can already sense those reading this who are getting all sweaty and fidgety over the possibility of me causing my early demise via a Life Insurance Policy here! hehe) Even so; if it were possible, SAVINGS IS the big Plus to taking up the slack after one's demise, so we are slowly attempting to save whilst also living and paying off our Land here. Not as easy as one would think but slowly-slowly...

Being on an Australian Disability Pension means my Wife & Daughter receive not a Brass Razoo from the Aussie Government upon my demise, so my goal is to make sure they are set up in some way where they can earn an income that helps them both. For now I am paying into Social Security for her and wish next time to increase it to the maximum amount allowed to better help her in her future Retirement. The Carer's Course would also greatly benefit us both so hopefully that is next after we are paid up on the Lot.

Apart from that, all I can think of, is she will be like everyone else around here and will need to do menial work for a pittance to survive day to day when I am no longer here. I am hoping to read some better suggestions here from those in the know of how to take better care of their partner's future at a Filipino level...