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Forms for most Financial Institutions listed on the Services Chart
June 14, 2014
8:15 pm
kanaka
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Forms
Perhaps these links should be added to the Services Chart.
Here is an opportunity for anyone who opened an account and may have overlooked what options that were available OR to resubmit a form as a change. Also the availability or unavailability of a specific form may or may not be the deciding factor to open an account.

Oaken Forms
https://www.oaken.com/wps/portal/hometrust/oaken/openaccount#.U50JOLHesTA

Hubert Forms
https://www.happysavings.ca/new-page.aspx

Acclerate Forms
http://www.acceleratefinancial.....forms.aspx

Outlook Financial
http://www.outlookfinancial.co.....hip/forms/

Implicity
https://www.implicity.ca/Products/FormsandAgreements/

Maxa
http://www.maxafinancial.com/b.....x?cid=1735

PC Financial
http://www.banking.pcfinancial.....igninop=OB

Peoples Trust
http://www.peoplestrust.com/hi.....ing-forms/

June 17, 2014
12:56 pm
Doug
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While a notable suggestion, kanaka, I'd have to urge caution before we add anything more the already encumbered "Services" chart. Adding new columns will make it even more unwieldy and hard to read.

Moreover, a second reason why I'd discourage adding "direct links" to sign-up forms via this chart is because of the frequency with which these institutions tend to re-organize their website. This would require constant upkeep and maintenance on this website's end (which is maintained by volunteers, chiefly Peter).

A better solution is just to provide links to the companies' home pages and people can find the forms relatively easily. (I think we already do this.) Heck, a quick Google search with the "forms" modifier might yield just as quick results. One other option might be to add (if this is possible) a Google Custom Search box to the various "chart" pages that searches only the domains of the financial institutions specified in the various "charts" so, essentially, one need only search the word "forms" or "form" and, presumably, the relevant page(s) with enrollment form(s) for those financial institutions will all be populated.

Cheers,
Doug

June 17, 2014
1:27 pm
kanaka
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Yes I agree. Once you go through the process of probate you realize the importance of creating joint accounts, naming successors, naming beneficiaries and having trading authority for your spouse. Not to mention making sure you resubmit the forms in the event of a change.

And or course once you are in the position of needing a will.....MAKE SURE YOU HAVE ONE DONE UP.sf-smile

June 17, 2014
9:51 pm
GS1
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kanaka said

[snip]

And or course once you are in the position of needing a will.....MAKE SURE YOU HAVE ONE DONE UP.sf-smile

Anyone alive and with ANY assets needs a will.

We are in the process of re-doing ours as we just learned the lawyer who holds our wills (for safe-keeping) was dis-barred two years ago and is not answering phone calls, email or legal summonses.

GS

June 18, 2014
4:37 am
Loonie
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GS said

kanaka said

[snip]

And or course once you are in the position of needing a will.....MAKE SURE YOU HAVE ONE DONE UP.sf-smile

Anyone alive and with ANY assets needs a will.

We are in the process of re-doing ours as we just learned the lawyer who holds our wills (for safe-keeping) was dis-barred two years ago and is not answering phone calls, email or legal summonses.

GS

How horrible!
I have run into two different opinions from lawyers as to where the will should be kept. Some want to keep it in their safe and others want to give it to the client to put in their safety box. I'm not sure how to interpret this difference of opinion. In your case, it might have been better to have held it yourself, but who knew?
I learned from one of these lawyers that there is a central depository of wills in London, Ontario, maintained by the Law Society, which contains wills previously held in vaults of lawyers no longer in business whose firms were not taken over by another lawyer. If it's worth your while, you could inquire through that route, but you may not want to under the circumstances.

June 18, 2014
9:26 am
kanaka
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Mine is at home and the next one will be too. I imagine most provinces have a similar registry as does BC. My Moms was registered as being at the Bank in her safety deposit box. But as she aged and moved and her banking needs changed it was in her night stand at her care home. We felt that was unsafe and moved it to our home for safe keeping as I was the executor. When we did a will search for probate and did probate I honestly answered where it was vs were it was supposed to be as per registry and had no issues as the dates and the lawyers name all matched. I had a friend that had a copy of his mothers and he went back to the notary to obtain the original but he had passed away, so he tracked down his wife and she told him that she had held on to all the papers until a few years ago......she burned them. And I have heard some not so good stories about retrieving wills from bank safety deposit boxes.

June 18, 2014
12:19 pm
Loonie
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We don't have a "will registry" in Ontario. The lawyer told me that this facility in London is very disorganized. There is no index or anything like that. You basically need to already know the name of the lawyer who did the will or make a lucky guess. Wills there are never thrown out but they can be lost there forever. There is not even a system where you can pay a searcher to look for it there, due to "confidentiality". Catch-22.
Maybe those do-it-yourself will kits aren't such a bad thing after all!sf-confused

June 18, 2014
12:44 pm
kanaka
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hmmmm Part of doing probate in BC was to provide proof that the will you had was the last legit will and to do that I had to apply for that proof and also had to give various names that my mother could have been known by. And of course every name was an additional charge. The certificate of the will search had to be included in the probate package.

Every will you make will nullify your previous one....but if you made 5 wills and will number 3 was the one used for probate....who would know the difference (if not registered)? I would review what options you have in Ontario and if keeping the original will in your possession is an option that is the way I would go. Also keep in mind if it was in a safety deposit box and your executor had signed access to the box.....the executor (or?) does not have to tell anyone right away about your death. Read between the lines on that one. Although, in BC, when you apply for a death certificate it will trigger notification to the province (medical insurance, drivers license, car registration and insurance etc.). I did contact all provincial and federal institutions about my mothers death fairly quickly but NOT her credit union. I had access to her account, online, to pay her few bills for her and that allowed me to pull off all of her records for the previous 7 years in various ways and formats. It helped me prove that some of her transactions with her Church (she lent them money) and other institutions were either complete or incomplete. When I went into the bank they immediately transferred her funds to a Estate Account and I lost access to her regular account ...... so my move was wise.

ps. Wills from a notary are usually much less costly

June 18, 2014
12:55 pm
Loonie
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It sounds more expensive to do it the BC way, but better in the public interest.
Our provincial gov't needs to address this question. The lawyers will never fix it on their own.

June 18, 2014
3:14 pm
kanaka
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HI you DON'T have to register. But it is to your best interest to do so and it makes the probate process easier. It is only $17.00 to register and to do a search is $20 and $5 for each extra name....ie. Bill Smith, William Smith, William Wild Smith.

Maybe more expensive in Vancouver as is Toronto but can assure you that I doubt living in the suburbs is more expensive.

June 18, 2014
9:38 pm
GS1
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Loonie said

[snip]

I learned from one of these lawyers that there is a central depository of wills in London, Ontario, maintained by the Law Society, which contains wills previously held in vaults of lawyers no longer in business whose firms were not taken over by another lawyer. If it's worth your while, you could inquire through that route, but you may not want to under the circumstances.

Yup - their is such a repository. But the lawyer needs to actively move or arrange to have moved the documents to that storage. My guy just "disappeared" and his stored files went "who knows where".. Better to discover it now than when it would have been needed.

I did talk to the Law Society and my new lawyer and both agreed it would have been possible to use a copy of the will - but it is much more tedious to have to do that. I was previously under the impression that if the original of the will is not available these simply "is no will".

GS

June 19, 2014
12:12 am
Loonie
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I would have made the same assumption.
Its obviously best to make new wills. Good luck!

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