Poll of the Day > Thinking about seeing in my boyfriend wants to do domestic partnership

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Jen0125
10/20/23 11:46:16 AM
#1:


Then we can visit each other in the hospital if something happens and it's "family only."

It doesn't have any other benefits in my city tho.
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#2
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EvilResident
10/20/23 12:07:32 PM
#3:


Yes do it

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BADoglick
10/20/23 12:22:38 PM
#4:


My girlfriend and I have been in an unofficial partnership for fourteen years but are probably going to make it official soon because of what happened with her cousin.

Her cousin's unofficial partner and dad of their daughter died of covid, and when it came time to dealing with the estate she had no rights. They went to his sister whom he hated and hadn't seen in a decade.

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Jen0125
10/20/23 12:26:09 PM
#5:


Yeah, I'm creating a will, living will and health POA right now to file with the county.
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Jen0125
10/20/23 12:43:34 PM
#6:


He said yes
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MrMelodramatic
10/20/23 12:54:42 PM
#7:


Aww

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Blightzkrieg
10/20/23 2:27:02 PM
#8:


Wouldn't it be easier to register him as a sibling

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Jen0125
10/20/23 2:29:10 PM
#9:


we're going on Wednesday!!
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HornedLion
10/20/23 2:43:32 PM
#10:


[LFAQs-redacted-quote]


Ive never been asked to furnish my marriage license at a hospital when visiting my spouse.


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adjl
10/20/23 2:53:12 PM
#11:


Jen0125 posted...
He said yes

I think it'd be kind of rude not to.

"Do you want to make it so you can visit me in the hospital if I end up in a coma?"
"No."

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Blightzkrieg
10/20/23 3:02:05 PM
#12:


adjl posted...
I think it'd be kind of rude not to.

"Do you want to make it so you can visit me in the hospital if I end up in a coma?"
"No."
It's the kind of "would you love me if I was a worm" thing, you say yes even if you'd be immediately cheating on your work gf

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Jen0125
10/20/23 3:03:26 PM
#13:


HornedLion posted...
Ive never been asked to furnish my marriage license at a hospital when visiting my spouse.

Do you share the same last name and have wedding rings? It's pretty obvious at that point.

adjl posted...
I think it'd be kind of rude not to.

"Do you want to make it so you can visit me in the hospital if I end up in a coma?"
"No."

Idk he could say no and I'd understand. It's a contract with the government. Neither of us want to get married because we don't want our relationship to be a contract with the government. So I wouldn't be mad but it'd still cause me some stress lol
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adjl
10/20/23 3:06:18 PM
#14:


Jen0125 posted...
Idk he could say no and I'd understand. It's a contract with the government. Neither of us want to get married because we don't want our relationship to be a contract with the government. So I could understand if he said no.

True. I still just find it kind of entertaining to imagine it that way. It is indeed a formal commitment to the relationship that not everyone would be fine with, and that's not necessarily something that reflect badly on that person.

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Jen0125
10/20/23 3:08:37 PM
#15:


I just know we both want to be together for a long time and I want to do what I can to give us protections without getting married. We're doing this and I finally wrote up a will that I just need to sign with two witnesses and all of my assets will go to him if I die suddenly. I'm also doing a medical directive that gives him control over my medical care if I'm incapacitated. That's what I can do at this point.

I mostly want to make sure that he gets what he needs when I die and my parents are not involved in the process at all.
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#16
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adjl
10/20/23 3:19:37 PM
#17:


Makes sense. I haven't done any such things with my girlfriend, but I also know that neither my mom nor my sisters would ever think of denying her involvement in my medical care or insist on taking any of my assets that she wanted, so I'm more or less covered in that regard. You haven't been so lucky in your parentage, so you kind of need to change your next of kin from the default to make sure things go the way you want.

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Jen0125
10/20/23 3:22:03 PM
#18:


adjl posted...
Makes sense. I haven't done any such things with my girlfriend, but I also know that neither my mom nor my sisters would ever think of denying her involvement in my medical care or insist on taking any of my assets that she wanted, so I'm more or less covered in that regard. You haven't been so lucky in your parentage, so you kind of need to change your next of kin from the default to make sure things go the way you want.

Yeah because my mom is going to take my house, my car, my property and my money and leave my boyfriend, who she has never met, out in the cold. I'm not doing that, ever.
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adjl
10/20/23 3:23:51 PM
#19:


Indeed not. Sucks to be your mom.

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Jen0125
10/20/23 3:25:53 PM
#20:


It's crazy too because my plan for a long time was to leave all my extra life insurance to my dad for his end of life care or when he needs round the clock nursing for his MS. Now, that cushion is gone for them. I have $1 million in life insurance policies with a little over 50% going to pay my debts when I die. That's a lot of extra money for Healthcare.
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VampireCoyote
10/20/23 6:05:27 PM
#21:


me and my girl make up new lies everywhere we go about what we are

is some hospital gonna seriously request to see some damn papers if something comes to it?

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Jen0125
10/20/23 6:33:43 PM
#22:


VampireCoyote posted...
me and my girl make up new lies everywhere we go about what we are

is some hospital gonna seriously request to see some damn papers if something comes to it?

I'm sure they will. That's why I'd rather just do it.
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EvilResident
10/20/23 6:43:20 PM
#23:


Jen0125 posted...
I just know we both want to be together for a long time and I want to do what I can to give us protections without getting married. We're doing this and I finally wrote up a will that I just need to sign with two witnesses and all of my assets will go to him if I die suddenly. I'm also doing a medical directive that gives him control over my medical care if I'm incapacitated. That's what I can do at this point.

I mostly want to make sure that he gets what he needs when I die and my parents are not involved in the process at all.
Thats not a bad idea actually

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EvilResident
10/20/23 6:44:08 PM
#24:


Jen0125 posted...
It's crazy too because my plan for a long time was to leave all my extra life insurance to my dad for his end of life care or when he needs round the clock nursing for his MS. Now, that cushion is gone for them. I have $1 million in life insurance policies with a little over 50% going to pay my debts when I die. That's a lot of extra money for Healthcare.
Why would you have so much debt when you die? I dont get it

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Jen0125
10/20/23 7:04:20 PM
#25:


EvilResident posted...
Why would you have so much debt when you die? I dont get it

I own a house and have student loans. That's $350k. I overestimated just to be safe.
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TheJustice
10/20/23 9:23:44 PM
#26:


Jen0125 posted...
It's crazy too because my plan for a long time was to leave all my extra life insurance to my dad for his end of life care or when he needs round the clock nursing for his MS. Now, that cushion is gone for them. I have $1 million in life insurance policies with a little over 50% going to pay my debts when I die. That's a lot of extra money for Healthcare.

I'm curious what they did to upset you.

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Jen0125
10/20/23 9:25:38 PM
#27:


TheJustice posted...
I'm curious what they did to upset you.

I'm not upset. Anymore, at least. I just come from an abusive family so I finally decided to cut it off.
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EvilResident
10/20/23 10:16:52 PM
#28:


Jen0125 posted...
I own a house and have student loans. That's $350k. I overestimated just to be safe.
The house isnt debt because someone will sell and make back the money

how much in loans then? Damn

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TheJustice
10/20/23 10:29:16 PM
#29:


EvilResident posted...
The house isnt debt because someone will sell and make back the money

how much in loans then? Damn
TC considers it debt because TC has no intentions of it being sold to pay off the bank loan.

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Jen0125
10/20/23 10:47:58 PM
#30:


EvilResident posted...
The house isnt debt because someone will sell and make back the money

how much in loans then? Damn

No, I don't want it to be sold. I want my life insurance to pay off the mortgage and then I want a title transfer to my boyfriend so he becomes the owner. I don't want his life uprooted because we aren't married. Imagine losing your love, your house and your pets just because one person dies? I can't let that happen. I'm doing all this so my boyfriend's lifestyle doesn't have to change if I die.

My mortgage is $275k and my student loans are $75,000. I have $3k in credit card debt right now on a card with no interest. My car is paid off. I also have a pool loan. All of this debt is manageable for me and can be paid off in the event I die so it won't be a financial burden to anyone else.
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KogaSteelfang
10/20/23 11:23:16 PM
#31:


Jen0125 posted...
He said yes
Wow, congrats!
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potdnewb
10/21/23 3:50:25 AM
#32:


Creditors will not be able to take the death benefit payout for your life insurance policy unless you leave the money to your estate. If you name other people as your beneficiaries, the money will go to them and the creditors won't have access to it.

of course this is only true if your beneficiary isnt a cosigner on your loans

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RVallant
10/21/23 5:23:29 AM
#33:


I don't even know what the title even means and I'm amazed anyone does, but hey... O_O
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EvilResident
10/21/23 9:19:06 AM
#34:


Jen0125 posted...
No, I don't want it to be sold. I want my life insurance to pay off the mortgage and then I want a title transfer to my boyfriend so he becomes the owner. I don't want his life uprooted because we aren't married. Imagine losing your love, your house and your pets just because one person dies? I can't let that happen. I'm doing all this so my boyfriend's lifestyle doesn't have to change if I die.

My mortgage is $275k and my student loans are $75,000. I have $3k in credit card debt right now on a card with no interest. My car is paid off. I also have a pool loan. All of this debt is manageable for me and can be paid off in the event I die so it won't be a financial burden to anyone else.
Still doesnt make sense to me. Given the constant factor of lets say you never move out of that house, you dont think youll ever finish paying it off completely?

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adjl
10/21/23 10:23:12 AM
#35:


RVallant posted...
I don't even know what the title even means and I'm amazed anyone does, but hey... O_O

Pretend the word "in" is "if," and maybe imagine an "a" before "domestic partnership" (though that one's not strictly necessary). Toss in the first post for a bit of context, and it's pretty easy to figure out the full picture.

EvilResident posted...
Still doesnt make sense to me. Given the constant factor of lets say you never move out of that house, you dont think youll ever finish paying it off completely?

Presumably, this is a matter of being prepared for unexpectedly dying. If she dies peacefully in her sleep of old age at 90, it's not really an issue because those debts will have long since been paid off. If she dies in a car accident tomorrow, not so much.

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Jen0125
10/21/23 11:05:52 AM
#36:


potdnewb posted...
of course this is only true if your beneficiary isnt a cosigner on your loans

I don't need advice on this but thank you lol.

EvilResident posted...
Still doesnt make sense to me. Given the constant factor of lets say you never move out of that house, you dont think youll ever finish paying it off completely?

What? Of course it'll get paid off eventually. You're making an assumption that I don't die young. I have assets now that need protecting if I die tomorrow.

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EvilResident
10/21/23 11:30:08 AM
#37:


Ah i see. Hmm I never thought about that. Fair points i suppose. Carry on.

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HornedLion
10/21/23 11:55:56 AM
#38:


[LFAQs-redacted-quote]


I dont but then again, there is a thing as handsome privilege. They see a well dressed, well groomed man, and just move out his way.

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#39
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potdnewb
10/22/23 7:14:14 AM
#40:


Jen0125 posted...


I don't need advice on this but thank you lol.
clearly you do since you are earmarking money for debts that dont need to be paid in the event of your death even though you dont need to

you work in insurance and should know all this

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Jen0125
10/22/23 8:15:08 AM
#41:


potdnewb posted...
clearly you do since you are earmarking money for debts that dont need to be paid in the event of your death even though you dont need to

you work in insurance and should know all this

I absolutely do not need your help but thank you lol

Why do you think an insurance rep would be extra knowledgeable in wills though? Or why would I be more knowledgeable on life insurance when I don't work in life insurance? It's almost like you have no clue what you're talking about
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potdnewb
10/22/23 1:39:55 PM
#42:


Jen0125 posted...
I absolutely do not need your help but thank you lol

Why do you think an insurance rep would be extra knowledgeable in wills though? Or why would I be more knowledgeable on life insurance when I don't work in life insurance? It's almost like you have no clue what you're talking about
you have less of clue than i do since you want to pay your debts through your will even though you dont need to do that
seriously let your domestic partner have all the money and forget your creditors
I thought you hated capitalism and yet you want to pay your debts after death
and yes someone in insurance should have the most basic understanding of it and how it works

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Jen0125
10/22/23 2:12:15 PM
#43:


potdnewb posted...
you have less of clue than i do since you want to pay your debts through your will even though you dont need to do that
seriously let your domestic partner have all the money and forget your creditors
I thought you hated capitalism and yet you want to pay your debts after death
and yes someone in insurance should have the most basic understanding of it and how it works

i feel like you don't have the basic understanding? if i die and my mortgage exists it needs to be paid off or the house will be sold. i want the house to be able to be lived in by my boyfriend. if i don't use the money to pay the mortgage the house won't get paid for and it will be sold - therefore no one can live there.

are you okay?
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adjl
10/22/23 3:15:42 PM
#44:


Don't you know? You can just not pay for your house and your boyfriend can keep living there. That's totally how mortgages work.

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EvilResident
10/22/23 6:50:38 PM
#45:


or maybe he won't want to live there any longer if she dies young? then i'd just leave it all to the b/f and let him decide what to do with it all

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Jen0125
10/22/23 6:52:35 PM
#46:


EvilResident posted...
or maybe he won't want to live there any longer if she dies young? then i'd just leave it all to the b/f and let him decide what to do with it all

this is why i didn't ask for advice lmao. i already know what i'm doing. i actually... you know discussed it with the relevant parties and put my paperwork together.
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potdnewb
10/22/23 6:59:46 PM
#47:


Jen0125 posted...
i feel like you don't have the basic understanding? if i die and my mortgage exists it needs to be paid off or the house will be sold. i want the house to be able to be lived in by my boyfriend. if i don't use the money to pay the mortgage the house won't get paid for and it will be sold - therefore no one can live there.

are you okay?
he could take the money buy a better house or rent an apartment or travel the world

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wolfy42
10/22/23 7:15:51 PM
#48:


Few things.

First, yeah they don't ask for proof you are married, they never did with me and more importantly, they even broke the rules and let me stay with linda outside of visiting hours. I was literally in the hospital 24 7 for months.

Second, at least currently if you croak your student loans go poof. It doesn't come out of your life insurance or any money/value/property you have. Anything you leave to others will not be touched by that (also you do not inherit your spouses student loan debts etc).

Third, super mega congrats, nobody needs the government (or a god's) permission to "marry" or form a partnership, the only people that matter in that scenario are you and your partner, so congrats on him saying yes and finding someone you love and want in your life, that is awesome.

Hope you both live long and happy lives and the "happily ever after" happens for you:)

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wolfy42
10/22/23 7:23:10 PM
#49:


Oh didn't see your last post till I had already posted.

Another thing you can do is give your boyfriend 1-2% ownership in your home (tenants in common I believe is the term). You can write a contract stating at any time you can buy back that % of ownership for X amount of money (so if you ever break up or need to own it all you can have it back). That is better than leaving it to him, because if you are tenants in common and one of the owners passes, the other owns the full amount (because you no longer legally exist to own the 98%). This prevents taxes and other annoying problems you have to deal with when leaving things to someone.

In addition if you do owe any debts (not student loans but anything else...medical bills etc), the house will still go directly to him and not be on "hold" until it has gone through probate.

To add to this, you can also add someones name to any CD's you have etc, this again will make them go directly to them (not waiting for probate, no taxes etc), but they can't actually cash out the CD unless you die (so it's still just your money, but if you go poof, it's now their money without having to deal with debt/probate etc.

CD's are a good way to put any savings away safely (no worries about identity theft etc, while still making a decent amount of interest in a safe way (safer than the stock market etc).

You both could also just invest in one together if you are both working, and have a shared nest egg for the future, but also backup if either of you croaks so you have something to help you cope if you get mega depressed and hate life for awhile.


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Jen0125
10/22/23 8:10:03 PM
#50:


potdnewb posted...
he could take the money buy a better house or rent an apartment or travel the world

?? He likes the house we live in. Why wouldn't I gift my partner a paid off house and money?
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