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Old 08-29-2021, 05:39 AM   #226
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We're fortunate - I have a brother and a BIL with kids whom we both get along with (and the kids get along) so we have two options. Updating the will is another thing to do though - my brother has his BIL designated as his kids guardian but that was before I was married and had kids. Now it makes better sense for me to be their guardian as his BIL lives out in Saskatoon and his kids have grown up around me but the will hasn't been updated for it.

In related matters do you have life insurance? I was VERY surprised when my BIL told me he didn't have any (he's got 2 kids). I'm set up so that if I did the mortgage is paid off and my wife doesn't have to work for the next 8-10 years - it's costs me about $1600/yr for that coverage. Paying off the mortgage would seem to be the minimum amount you should be carrying.
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Old 08-31-2021, 07:15 AM   #227
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I have a life insurance policy, i believe its enough where the mortgage would be paid off. I got it before i had kids. I pay $2400/yr and its a life insurance/investment account type deal. Ive had it for 5 years so i have alil over 11k in it which i could withdraw any time(with fees of course) The beneficiaries are my wife and mom. If i set the beneficiaries to my kids and wife in my will, will that overturn what i had set for my beneficiaries in my Life Insurance policy? I do have a couple bank accounts, and another life insurance policy through the bank aswell. Im abit lazy to contact them all and switch them all up, if a Will would possibly trump all of that.
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Old 08-31-2021, 08:22 AM   #228
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Originally Posted by RiceIntegraRS View Post
I have a life insurance policy, i believe its enough where the mortgage would be paid off. I got it before i had kids. I pay $2400/yr and its a life insurance/investment account type deal. Ive had it for 5 years so i have alil over 11k in it which i could withdraw any time(with fees of course) The beneficiaries are my wife and mom. If i set the beneficiaries to my kids and wife in my will, will that overturn what i had set for my beneficiaries in my Life Insurance policy? I do have a couple bank accounts, and another life insurance policy through the bank aswell. Im abit lazy to contact them all and switch them all up, if a Will would possibly trump all of that.
https://www.advisor.ca/advisor-to-cl...beneficiaries/

Wills don't trump designated beneficiaries in cases where they're named so *if* I had a side piece she could get the RRSP instead of my wife and kid if I named it that way in my RRSP.
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Old 08-31-2021, 07:01 PM   #229
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After lots of discussion, we still don't know what to do with custody.

Her parents aren't healthy and my parents are old, after 10 years or so we'll still need to find some one who can take on the responsibility of taking care of our kid.

We have narrowed down our executors though, some one who we trust, who is successful enough in life that they can handle our stuff. Close enough to us that they will do such a thing in case of tragedy, but not SOOOO damn close to us that they will be grieving so hard and not get anything done.
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Old 09-08-2021, 11:32 AM   #230
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Story time!

We forgot to turn on the baby monitor last night, so we didn't hear her wake up this morning. The 'trouble' with this toddler is that she never screams or cries to be let out of bed, it's just 'umma' and 'appa' over and over, which is what wakes us up through the monitor.

Well after about 30 minutes of calling for us she decided she had enough. And proceeded to self-teach herself how to undo her zipper to her pajamas, shimmy out of it entirely, undo her diaper, and then wave it around with all the poo in it.

Poo on the sheets, crib, walls, and small bits in the carpet. And when I walked in she had the biggest smile on her face.

So, pro-tip. Always turn on your baby monitor, and use button clothing for toddlers.

/story
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Old 09-08-2021, 05:39 PM   #231
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Is that the type of morning where you see that and walk back to bed and pretend like you're asleep?
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Old 09-09-2021, 11:42 AM   #232
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The range of emotions that flow through you in a split second is indescribable.

On one hand it's funny as hell, on another it's entirely our fault so can't even get mad, and also it smells like shit, but at least it's not on her face/mouth, etc.

Fun times.
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Old 09-09-2021, 11:46 AM   #233
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Unrelated, to anyone with toddlers in the 1.5 to 2 year range (or even older) who need a gentle hand sleep training or sleeping on their own, this clock is a god-send:
https://www.amazon.ca/LittleHippo-Ch...xpY2s9dHJ1ZQ==

Essentially it's just a visual clue for kids who don't know "time" yet, and you can set it to whatever times you want. They do need to be able to understand some things though, like relating the clock face to an actual face, and knowing eyes open/closed, etc.

Our kid took about 2 days to grasp that when the clock closes its eyes it's time for bed, and will also stay quietly in bed until the clock opens its eyes in the morning. We've had it for about a month now and she will shoo us out of the room when the clock closes its eyes, and will go to sleep on her own. The wife hates it because the baby doesn't want to be held anymore before bed lol she just wants to be put down in the crib.

It's expensive, yes, but it's an investment that has massively paid off.
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Old 09-09-2021, 10:04 PM   #234
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Quote:
Originally Posted by inv4zn View Post
Unrelated, to anyone with toddlers in the 1.5 to 2 year range (or even older) who need a gentle hand sleep training or sleeping on their own, this clock is a god-send:
https://www.amazon.ca/LittleHippo-Ch...xpY2s9dHJ1ZQ==

Essentially it's just a visual clue for kids who don't know "time" yet, and you can set it to whatever times you want. They do need to be able to understand some things though, like relating the clock face to an actual face, and knowing eyes open/closed, etc.

Our kid took about 2 days to grasp that when the clock closes its eyes it's time for bed, and will also stay quietly in bed until the clock opens its eyes in the morning. We've had it for about a month now and she will shoo us out of the room when the clock closes its eyes, and will go to sleep on her own. The wife hates it because the baby doesn't want to be held anymore before bed lol she just wants to be put down in the crib.

It's expensive, yes, but it's an investment that has massively paid off.
Funny you should post that as we just got something very similar last week. With ours, when it's time to wake up it turns into a yellow sun, and a blue star when it's sleep time.

Took us two days to train our son to use it. He would yell yellow at us to tell us it's time to wake up and pick him up from the crib.
Then yesterday during nap time, my mom was making a ton of noise and woke him up shortly after he fell asleep. He managed to grab a hold of the clock and was playing with it cause he learned that he wasn't supposed to be calling. He kept saying yellow at the clock hoping it would light up until he eventually fell asleep holding it.

I felt horrible leaving him in the crib with the clock because it became his jail but he had to get at least an hour of nap time in otherwise we would have a shit time at dinner.
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