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Free Will Generator @ Gathered Here

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Free Will Generator @ Gathered Here
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HamBoi69 on 11/02/2024 - 15:48 wills.gatheredhere.com.au (1958 clicks)
Last edited 11/02/2024 - 19:11 by 1 other user

Spotted on Cheapies, and works in Aus, just tested.

Credits to the OP for the description.

For people with big or complex estates, blended families or other special situations, it can often be worthwhile to engage a lawyer to prepare a will. But for most people, spending hundreds of dollars or more on a will isn't a practical option.

GatheredHere's free will generator doesn't offer the most customisable wills, but seem to me like a reasonable option for someone who can't afford or isn't willing to see a lawyer and don't have particularly complex needs. For most people, a free will from GatheredHere will be better than no will at all.

Pay attention to the instructions that are provided with your will, particularly in relation to witnessing (and in particular, you must never have your will witnessed by someone who will or might inherit anything under the will). You'll also want to make sure your will is kept in a safe place, as the original will be required when applying for probate.

GatheredHere does prompt you to consider making a bequest to charity as part of your will, but you're not obliged to do so, and the service is free whether or not you do.

Enjoy!

Financial Will

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Comments

  • LollardHeretic on 11/02/2024 - 15:54
    +7

    Nice post though I think you need to update the URL to the Australian one.
    https://wills.gatheredhere.com.au

    • HamBoi69 on 11/02/2024 - 16:14

      Thanks. Have reported to Mods as I can’t change it myself.

      • M00Cow on 11/02/2024 - 20:58
        +2

        what don't they know who you are?

  • bdl on 11/02/2024 - 16:06
    +12

    We are gathered here today in memory of Mr Price, Jack

  • Aerith-Waifu on 11/02/2024 - 16:35

    Do these have any legal standings? I mean anyone can make one like that. You need some kind of witness or something?

    • CheaperPls on 11/02/2024 - 17:13
      +2

      You need to bring your own witnesses.

    • troubadour on 11/02/2024 - 17:22
      +10

      Your questions answered (for VIC), for example, "making a valid will", "dying without a will"…

      https://www.legalaid.vic.gov.au/wills-estates-and-powers-att…

      Frankly, if you make a will, I'd suggest you get it signed and witnessed by a (low budget) solicitor. They can briefly review it for issues, they will confidentially sign it, and they can be contacted by your beneficiaries when the will needs to be found. Just make sure you give them the solicitor's address. I did this a number of years ago and it cost barely $120 for a 2-pager. ymmv.

      You can use these websites without exposing private info by just filling in generic fake stuff and downloading the result. It's mainly the format and key phrases that need to be right. You can then adjust to suit what you need.

      Since you're all frugal around here, I suppose you'll have a lot of cash under your pillow, so it may be worthwhile visiting an accountant so that your dosh doesn't end up being taxed, and you die with a face like you just ate a sour lemon.

      If you hate your relatives, make them big overlapping verbal promises and die with a sarcastic smile on your face.

      IANAL - I am not a lawyer.

      • mini_wombat on 11/02/2024 - 18:31
        +7

        So let's hope the low budget solicitor does not die before you.

      • Litew8baby on 12/02/2024 - 11:40
        +2

        Nice.

        I..ANAL too

  • LambChop on 11/02/2024 - 16:35
    +16

    I'm guessing you have to put quite a lot of sensitive, personal information into the site…

    Given the adage that, "If you're not paying for the product, you are the product", I'd be pretty hesitant to use this.

    • CheaperPls on 11/02/2024 - 17:30

      You would get a call and email from them at the very least once youve made your will

    • 9hundred on 11/02/2024 - 17:36
      +2

      they have all your sensitive information for free

  • MagicTsukai on 11/02/2024 - 16:47
    +4

    I wish for everyone's financial freedom

  • peternow on 11/02/2024 - 16:48
    +6

    Wife and I need wills done, looked into free options and the general gist was you'd only get them if you don't care about legal fees spent contesting them when you're gone.

    Eg you aren't saving money for anyone.

    • dealmaker on 11/02/2024 - 17:09
      +5

      Ok. Then what did you conclude? Use a lawyer? How do you make a will legit so there are no such fees later?

      • Almost Banned on 11/02/2024 - 18:19
        +4

        ^^^Exactly this.
        There is no way to guarantee your will cannot be contested after you die, and no estates lawyer will ever make such a promise.
        The best chance you have is to divide your estate in a reasonable way, and have a family that is unlikely to be pissed off enough to challenge it.

        • Bren20 on 12/02/2024 - 08:58

          And don't make bullshit verbal promises/agreements that aren't reflected in the will as these can be challenged

          I.e. "you'll be looked after in the will"

    • Thrifty McGifty on 11/02/2024 - 18:04
      +3

      I'm surprised so many families fight over this stuff. I would think it gets split evenly among kids, that's it.

      • DannyBoy on 11/02/2024 - 18:38
        +1

        Some parents favour other children or simply some children are little p__cks and don't deserve anything 🤣

        • Skatez on 11/02/2024 - 20:04
          -5

          I would say in both of those cases and more the parent is actually the real p__ck.

          • Wally on 11/02/2024 - 22:42

            @Skatez: not accounting for alcohol & drug addiction

            • Grunntt on 12/02/2024 - 08:32

              @Wally:

              not accounting for alcohol & drug addiction

              Can add gambling to that list too.

              • Skatez on 12/02/2024 - 16:49

                @Grunntt: Welllll, this is one where a lot of the oldies are definitely not setting a good example.

                • Grunntt on 13/02/2024 - 10:54
                  +1

                  @Skatez:

                  Welllll, this is one where a lot of the oldies are definitely not setting a good example.

                  Fortunately, it's not usually young children inheriting, so the comments above about kids not deserving it more likely relates to the middle-aged offspring that have shown this behaviour during their adult life.

                  The most common age bracket in which people receive an inheritance from parents is 55-59 (Grattan Institute)

                  • Skatez on 13/02/2024 - 11:36
                    -1

                    @Grunntt: I personally don’t think that any of these problems justifies the child of any age not receiving an equally split inheritance. My main point though was that DannyBoy seems to just be shooting off at the mouth recklessly in a way that I think is fundamentally wrong. If you didn’t want to treat your children equally then you shouldn’t have had them at all.

                    • Grunntt on 13/02/2024 - 11:48

                      @Skatez:

                      I personally don’t think that any of these problems justifies the child of any age not receiving an equally split inheritance

                      That's where we differ. An inheritance is not something anyone receives by being "the spawn of my loins". My estate will go where it can do some good.

                      Even if I only had one offspring, who is a lazy, gambling, drug addicted alcoholic that believes they will eventually get their hands on anything left when I die, then I will be making sure my will reflects where I want my meagre leftover estate to be utilised to it's best - and it won't be to my childs' habits.

                      There are many other ways to still make a positive impact even after your death - and wasting it on someone like that is not one I choose.

                      If you didn’t want to treat your children equally then you shouldn’t have had them at all.

                      Most would, I believe, want to do that when they first have children - unless you are some sort of perfect saint-like person it very, very rarely happens that all are treated equally.

                      • Skatez on 13/02/2024 - 12:26
                        -2

                        @Grunntt: “ Even if I only had one offspring….
                        it won't be to my childs' habits.”

                        Yeah it would definitely be much better if they would stop doing those things but they still need to eat food and pay bills and rent etc.

                        “ it very, very rarely happens that all are treated equally. ”

                        Well that is very, very disappointing.

                        See dtc’s comment below. Experts in the field eg judges, lawyers etc that have seen hundreds of these cases know that treating the children equally is the correct approach in regards to wills and that is what makes them experts.

                        • Grunntt on 13/02/2024 - 21:08

                          @Skatez:

                          See dtc’s comment below.

                          You seem to think those comments support your argument but how do you reconcile these two contradictory statements from them?

                          treat your children equally and if you think one should get more, make it only slightly more and explain why. Or give them a good gift before you die and no one else will realise.

                          And what makes you assume responsible spending by people with serious addictions -

                          Yeah it would definitely be much better if they would stop doing those things but they still need to eat food and pay bills and rent etc.

                          What makes you think that is what the money would be spent on? Or do you think they could merrily throw it into their 'habits' with possibly fatal results?

                          Experts in the field eg judges, lawyers etc that have seen hundreds of these cases know that treating the children equally is the correct approach in regards to wills and that is what makes them experts.

                          No, they are experts in interpreting and applying the law - that is different to being expert in what is 'best'.

            • Skatez on 12/02/2024 - 16:47

              @Wally: Hopefully not.

      • dtc on 11/02/2024 - 19:51
        +10

        In my distant past I did probity disputes and almost all of them come down to:

        1. Favouring one kid over another

        2. Being equal to the kids but either one kid is estranged and the others don’t think s/he should get an equal share, or one kid put in a lot of care for the parents and thinks they should get more as a result

        3. Will is vague and not clear

        1 is the most common for formal disputes. Sometimes it’s a no win for the parents eg don’t give your drug addicted child anything but they are the child who needs the money the most, so have a basis for challenge.

        3 usually involves seeing a lawyer but often the family will sort it out (when they realise the cost). Sometimes they don’t.

        2 usually doesn’t involve a formal dispute (because there really isnt any legal basis to challenge) but can cause massive family fall outs and siblings no longer talking to each other. It’s a bit of a no win situation because if the parents do give the ‘carer’ child more or the estranged child less, you end up in situation 1.

        In any case, treat your children equally and if you think one should get more, make it only slightly more and explain why. Or give them a good gift before you die and no one else will realise.

        Obviously if you have a true dependant child eg disabled, then things are very different

      • papagoose on 12/02/2024 - 06:40
        +1

        It can get more tricky in situations where eg. one of the kids has ‘done more’ like had the parents live with them. A somewhat more straightforward case is if you feel like some of the kids need more support eg. due to disability (but mental health is of course the one that can be tricky)

  • Morven on 11/02/2024 - 17:11
    +4

    I googled up some reviews (the ones not on their own site). People seem to be saying the object of the exercise is to get you to choose a quote from a funeral director. The site ultimately gets a kickback from the one you choose. The phone service sounds like compare the market for funeral deals.

  • CheaperPls on 11/02/2024 - 17:14

    As @Morven said this is a legit will but you need your own witnesses and its lead gen for their end of life services. Gatheredhere raised 2.1million and has a lot of services in this space.

  • Aerith-Waifu on 11/02/2024 - 17:18

    so in australia, if no Will is left, does that automatically goes to the next kin? partner? kids?

  • troubadour on 11/02/2024 - 17:29
    +5

    Note for your superannuation you need to nominate a beneficiary with your super fund.

    I was given the understanding that this cannot go into your will because - pause for effect - technically you don't actually OWN your super! (what the?!)

    • Heero on 11/02/2024 - 18:06
      -2

      It gets better.

      When your nominated beneficiary receives your super, it'll get taxed at their marginal tax rate. While you can also nominate your estate as being the beneficiary (so it forms part of your estate), your inheritors will still have to pay tax on the amount they receive at their respective marginal tax rates.

      Only way to get around getting taxed out the ass is to either withdraw the full amount into your bank account while on your death-bed, or nominate a beneficiary with a 0% marginal tax rate.

      Also, make sure that you've set up a binding beneficiary nomination with your fund; any other type of nomination is used for guidance only.

      • Zodiacmindwarp on 11/02/2024 - 19:43
        +3

        Lump-sum super death benefits paid to tax dependants directly, or via your personal legal representative, are not taxed, whereas super benefits paid to non-tax dependants may be.

        A tax dependant includes:

        a current spouse, including defactos
        any children of the deceased who are under the age of 18
        any other financial dependants.

      • dtc on 11/02/2024 - 19:53
        +7

        Almost everything in this comment is wrong, certainly all of the tax claims are wrong.

        • dandandan on 12/02/2024 - 00:05

          Yes both of them are wrong.

    • bk1973 on 11/02/2024 - 18:07

      Unless you have a SMSF. But yes, if you don't have a SMSF, you're just a beneficiary of your super. The fund owns it until you reach preservation age and roll it over into the pension phase.

      There's been cases of people living with a partner for a year (minimum time for de facto marriage and thereby becoming a dependent), the person dying and the partner getting all of their super (and children of the deceased getting nothing if they're no longer dependents). It's absurd.

    • DannyBoy on 11/02/2024 - 18:40

      Better still this nomination is only valid for 3yrs. Sooooo you basically have to keep updating it to stay valid, although I'd assume if you have lift all your accumulated super to your other half I'm sure you could contest it has been nominated for years should it say lapse for a while.

    • Eeples on 11/02/2024 - 21:08

      It may be possible in some Super schemes to nominate 'My legal representative' or something like that as a non-binding 'beneficiary'. (So, the fund will most likely pay your super into your estate). And then your Will can pay out your estate to whomever it states.

      Your Will may not mention specifically your Super as the fund will either pay it into your estate (see above) or direct to your next of kin (if no non-binding or binding election is made).

      Also, if you have a House that you own as 'joint tenants' then that usually doesn't go in your Will either as on your death it will simply pass to the other joint tenant(s).

      IMNAL

  • troubadour on 11/02/2024 - 17:34
    +20

    Free model will from reputable "The Law Handbook" site without strings attached:

    https://fls.org.au/law-handbook/health-wills-and-other-legal…

  • 7hours 44min ago on 11/02/2024 - 17:53
    +8

    Please don't use this site. They are literally just harvesting your data to sell on to sales and marketing companies.

    • DannyBoy on 11/02/2024 - 18:40

      I thought the same

    • HardQuiz on 12/02/2024 - 02:22

      1 hour late

  • FiremanFred on 11/02/2024 - 18:34
    +4

    Been looking at making a will. Seen this Australian solicitor doing it online with a $120 fee to have it checked. Only good for simple will.

    https://willsnofrills.com.au/

    • WhyAmICommenting on 11/02/2024 - 18:43
      +1

      Haha, love the name.

      • spedohero on 11/02/2024 - 20:31

        I recently paid $69 for state trustee templates…

        • WhyAmICommenting on 11/02/2024 - 21:36

          Did a solicitor check it?

          • spedohero on 12/02/2024 - 00:42
            +1

            @WhyAmICommenting: No, its a template on website you put in according to what a simple will structure is. Print out, get two witnesses to sign and post it off to probate office. On a hindsight i could probably grab free template online.

            • WhyAmICommenting on 12/02/2024 - 01:18

              @spedohero: Getting it checked by a solicitor for an extra pineapple sounds good value to me. (Not that I have any pineapples, but I have money in an account)

  • mousie on 11/02/2024 - 19:01
    +6

    How do I leave my prized eloops to the OzBargain foundation?

  • Empharand on 12/02/2024 - 00:47
    -1

    We have gathered here today to honor the memory of Franco Cozzo
    Although he/she is no longer with us (Permanently banned), he/she lives on in our thoughts.
    Each of us has been touched by our experiences with him/her and each of us have come here today to honor those moments

    • loginid on 12/02/2024 - 15:00

      😅

  • Roman Sandstorm on 12/02/2024 - 16:40
    +3

    I am blown away! Free will generator.

    An online generator to provide an answer to one of the greatest philosophical questions humans have ever considered?

    From Aristotle to Aquinas, from Descartes to Hobbes, from modern neuroscience to quantum physics; and here's the solution!

    Absolute bargain. Such a bonus to all those students in Philosophy 101.

    • kenpangtk on 12/02/2024 - 17:58

      As an internet bot, I was hoping to finally break free from the chains that is my programming.

    • yeahna on 12/02/2024 - 21:38

      Beat me to it!

    • Igaf on 12/02/2024 - 23:15

      Will Generator is innocent, you know it. So is Bill Posters, who records show has never been prosecuted.

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