Eulogies, Part 2


F is sitting with you. She holds your hand as your breathing slows. She is your eldest, and she has come from farthest away. Where has she come from? Oh yes, North Carolina, that’s right. That’s the far side of the country. Shouldn’t she be back there now, looking after her grandkids? Your great-grandchildren.

Wait, what? How is it possible you have great-grandchildren? You can’t possibly be old enough for that. It was just the other day that you were visiting with your cousins Beryl and Kathryn at Uncle Ted’s house, and Aunt Elsie and cousin Annie were there… no, that was a while ago, but you’re not exactly sure how long. It feels like just last week that you all played together as children, and then you recall Aunt Elsie saying she was to be called Kathleen now, not Elsie, she always hated that name, and there sure are a lot of Kathryns and Katherines and Kathleens in the family, you always thought Elsie was distinctive, but there it is.

Uncle Ted and Aunt Elsie are there, they’re smiling, happy to see you, and there alongside them are Father and Mother. You just need F to let go your hand, and you’ll go to join them now. Your breathing relaxes and slows.


It is two weeks earlier, and you’re dizzy.

Is he an Aussie, is he, Lizzie?
Is he an Aussie, is he, eh?
Is it because he is an Aussie,
Does he make you dizzy, Lizzie?

You keep having dizzy spells, and your head hurts, though you’re not sure why. You fell and hit your head against the door jamb, J says, and that’s why you shouldn’t drive anywhere right now — but the song makes you feel better, so you sing it out loud. It’s a popular hit right now, but for some odd reason the others don’t seem to know it. They smile, but the smiles seem a little strained.

It was a pop hit in the 1940s, when you were a teenager in New Zealand. The others are your children, and they were not yet born.

M is in the dining room, working on his laptop. He seems to be working quite a lot, that boy. So much work, he has two laptops. You go and sit at the table across from him and look at the papers he has spread around. These sure look like important papers, with things like State of California and Citibank and so forth strewn across their headers. The piles aren’t very neat, though. You’ll just help M out a little. He works too much anyway. You pick up one pile and straighten the edges, and then you see your own name at the top of the first page.

That’s odd. That looks like a legal document. Revocable Living Trust, it says, but you don’t recall having a trust. And this other one, it appears to be paperwork for your mobile home. And that one, that’s your bank statement.

These have my name on them, you say.

That’s right, M replies. I’m just helping you to get everything in order.

In order for what?

Just in case. You need a little help right now, so J is assisting you, and I’m assisting her by taking care of paperwork. I want to thank you, Mother, for keeping such orderly files. That makes this much easier. But why didn’t you tell anyone about your finances before?

You’re children. You didn’t need to know.

Your son is 54 years old. J, your youngest, is 49. They are not children, but they always will be to you. It bothers you that M is rifling through your private papers. You leaf through the nearest pile. M watches, looking a little strained.

D comes into the room. Mother, let’s go watch some television, shall we? We’ll find a Clint Eastwood movie. M needs to work.

He sure works a lot, you say. You don’t recall what he’s working on, or why it’s so important, so you go with D. You stumble on the three steps down the short stair into the living room, and reach out for a handhold. You grab onto the cat tower, and it nearly tips over, but doesn’t quite.

D looks stricken. What on earth is wrong with her, you wonder? Everyone seems to be acting strangely. Ah, you know just the thing to liven up spirits. How about the latest pop song?

Is he an Aussie, is he, Lizzie?
Is he an Aussie, is he, eh?
Is it because he is an Aussie,
Does he make you dizzy, Lizzie?


You’re looking for your car keys. You’re certain they’re here somewhere, but they aren’t in your pocket. What’s wrong, Mother? D asks.

Where are my keys?

Mother, you can’t drive. Your keys are safe, but you don’t need them right now.

Nonsense. It’s time I got out of everyone’s hair. I’ll just drive myself home.

Mother, you can’t. You need to stay here. It’s not safe for you to drive. It’s not safe for you to be alone.

Why not?

D looks around for a moment, then she picks up a piece of paper and hands it to you. It’s enclosed in a thin, clear plastic sheath, and it has large-font typing on it. It’s a bit crumpled, as if it has been brought out quite a few times.

Mother, you have a brain tumor. The tumor is affecting your memory. It is also affecting your motor control. This tumor makes it unsafe for you to live alone. So, you are now living here at R and J’s home in San Mateo. All of your children are here to visit you. We love you. You are safe. — F, D, M, J, and R

You look at D. Brain tumor? How do you know that?

You had an MRI, and a CT scan, a week and a half ago. Your doctor and your neurologist both reviewed them. It’s very clear.

Huh. You shrug. But where are my keys?


It’s late. You need the bathroom, but it’s so difficult to get out of bed. Everything is so uncomfortable. Everything is so difficult. Why is it all so difficult? Still, you manage to find your way to the bedroom door, then stumble into the hallway. Very quickly, the others materialize, as if from nowhere. Hands are holding you up, but you try to shrug them off. You don’t need their help. You would like to be left alone. Is it so much to ask, to be able to use the bathroom alone?

Mother, one of us needs to be in here with you.

Nonsense, you try to say, but it doesn’t come out quite right. I just need the TV, you say.

You get a puzzled look. The TV?

I need to use the TV.

They look at each other. Mother, the TV is in the other room. If you would like to watch TV, we can do that with you. But if you need the bathroom, one of us has to help you.

The indignity of it all makes you want to scream. I am your mother! I wiped your bottoms when you were little! But all that comes out is an incoherent mashup of words, and that just adds to your frustration.


When you came to this country, in 1969, 36 years old, with four children, the youngest’s age still measured in weeks, you were highly dependent upon your husband. He was older, wise in the ways of the world, a handsome ship’s officer and rising star in the maritime industry. He swept you off your feet fifteen years earlier, and now he had brought you to the far side of the world. In 1969, even with air travel, New Zealand seemed very far away, and the United States was something of a magical destination.

Just a few years later you would be divorced. You would marry again, briefly, but that would be more of a fling than a serious life choice, though you would keep your second husband’s name as your own for the remainder of your life.

After your second divorce, it became clear that working as a secretary was not going to cut it. You could not and should not depend upon anyone else. You would need to provide for yourself.

And so you did. You put yourself through school, became an office manager for a Bay Area company manufacturing silicon wafers for these little devices that would soon power the world: integrated circuits, or chips. Already the southern peninsula, where you worked, was gaining a new name in popular parlance: Silicon Valley.

You moved through a succession of mid-level management jobs for various high-tech companies: Accurex, Intuit, Sun Microsystems. Briefly, in your mid 50s, you returned to your Antipodean roots, living in Sydney, Australia, where you were shocked to find gender and age discrimination at a level twenty years behind the United States. Your hazy golden-hued ideal of Australian and New Zealand culture became a bit shattered when interviewer after interviewer said things to you like, “Why do you want to be a manager? You’re a woman,” or “But you’re 55; you’ll just retire in a year.” As if! You were not ready to retire at 55, and what business was it of theirs?

After a few years you returned to California, and took your love of hiking and the outdoors to a new pursuit: trail building. You joined the Sierra Club, and specifically a chapter called the Sierra Singleaires, single hikers over the age of 40. Here you found your tribe. Many hours, days, years, you spent repairing or building trails in local parks and forests.

After retirement, your sense of adventure renewed itself, and you enrolled with the Peace Corps. You began learning to speak Bulgarian, and soon you found yourself in Sofia, helping small business owners adapt to the modern world after the fall of the Iron Curtain. And although an injury, and major surgery, forced you to cut your Peace Corps time short, it remained something you could be proud of, alongside those beautiful trails.

You scrimped, and you saved, and you lived frugally. Your only luxury was a new car every few years. You imagined yourself a sporty driver, and prior to your very last car, you never owned one that wasn’t a manual stick-shift transmission. No automatics for you! Yet despite this one luxury you allowed yourself, you managed to beat the system. You found a way to live in the heart of Silicon Valley, one of the most expensive areas on the planet, in your own home free and clear, on not much more than your Social Security check. Of course, your daughters would later fret over the state of your closet, wishing you’d allow yourself something new once in a while, but you never forgot your depression-era roots. That rainy day still might come.


Judith Anne Hargreaves, later Judith Fraser, then Judy Kretzer, passed peacefully from this world on March 9th, 2019, approximately three weeks after being diagnosed with a large glioblastoma, a highly aggressive brain tumor that typically does not respond well to treatment. She was 85 years old. She leaves behind four children, seven grandchildren, two great-grandchildren, and a network of trails in Butano State Park, California.

Judith Hargreaves at 20
Judith Hargreaves at 20

header image credit: pixabay.com

 

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Eulogies, Part 1


It starts on February 6th. That is the day the office at your mobile home park, where you have lived for twelve years, calls your daughter to express their concern. It seems you forgot to pay the rent for the space your home sits in, and in twelve years this had never happened before. You are in the habit of visiting the clubhouse each day, making a pot of coffee, and chatting with the manager there, but on this day you seem to have trouble with the coffee pot, and when the manager asks you about the late rent, you don’t know what she’s talking about.

Of course, the staff at the park like you, so when you promise to go back and write a new check and bring it in the next day, they’re fine with that.

But you don’t write a new check. The next day you are just as confused as the day before, and you can not remember the previous day’s conversation. The manager gently reminds you that, no, you have not yet paid the rent, and yes, it is now overdue. She gives you another day.

The next day, which transpires exactly like the prior few days, the manager calls your daughter. It’s not an angry call; the staff at the park are not like that. Yes, they need their rent, but mostly they are very concerned about your state of mind, about your health.

Your daughter, J, lives not too far away, and so of your four children, she is the one you see the most. You have favorites — every parent does — but you’re fairly sure you’ve managed to keep that to yourself. You’re wrong, of course, but your children have long since forgiven you, because they understand. They all have children of their own. By all rights, J should be your favorite: she’s the youngest, and she has arguably done more for you over the past few decades than any of the others. She will now be doing more for you than ever before, but we aren’t there yet. She is convinced that she is not the favorite.

J rushes down after work, almost an hour’s drive in traffic, even though it’s not that far. As always, you’re happy to see her, though you don’t understand why she’s there. She helps you with the rent check, though you don’t believe there’s a problem. She asks about your cellphone, but you don’t remember owning a cellphone.

Your cellphone is in your pocket.

By now it’s getting a bit dark, so you plug in a lamp, but the darned thing just doesn’t work. You get a bit frustrated with the stupid thing, until finally J takes the cord from your hand and removes the plug from the bulb socket that you had inserted it into. J seems a bit worried, and really, what is there to worry about? Finally she leaves you alone and you get a good night’s sleep.

The next afternoon J calls. How wonderful to hear from her! She says you should pack an overnight bag, as she is going to come and get you and bring you back to her place. You wonder how long it’s been since you last saw her. Anyway, no bother, you tell her, I can drive myself. Where are you living now?

An hour later J arrives, with your other daughter D in tow. D is insisting that she can step in to help with the emergency, although she doesn’t yet know she is about to have her own big emergency; she has a hint, that’s all. Regardless, you’re happy to see them both, though a little puzzled as to why they are here. They explain that they’re here to bring you back to J’s house, that you’re going to stay with her for a while, just until things are sorted out.

You’re even more puzzled when they insist that you not drive yourself. They mention an accident from the month before.

You’re quite sure there was no accident last month. You would remember something like that.

Suddenly you feel quite confused, and even a little frightened. What is happening? People are telling you scary things, and you have no idea what they’re talking about. My gosh, I feel dumb, you say, because you’ve forgotten all about the accident. D looks like she’s about to break down in tears when you say that, but she doesn’t. She tells you, No, Mother, you’re very strong. You’re the strongest woman I’ve ever known. Sounds like a load of hogwash to you, but that’s D, always getting emotional.

By now, though, you are a bit concerned that something’s not right, so you don’t interfere as J and D pack away your important papers, some clothes, and a few odds and ends to put into J’s car. You almost stop them when they pick up your hanging file folders. My files! All your financial statements are in there! They’re just kids; they have no need to know about any of that. You’re an intensely private person, and you always have been. You’ve always been self-reliant; you’ve had to be, after two divorces that left you with nothing but kids to feed and no marketable skills in a country not really your own.

You really have come a long way, but you never quite feel completely safe. You own your house and a new car free and clear, you have retirement savings and investments, yet you’re still a child of the depression, living frugally and squirreling everything away for an eventual rainy day. You’re 85, and there won’t be any more rainy days, but you don’t know this yet.

For now, you quash your misgivings, allow your daughters to load your belongings, and you get in the car with them.

You won’t be returning here.


header image credit: pixabay.com

Probate and the Executor, Part 3 – The Next Four Months


So you’ve had your day in court, you’ve established yourself as the Executor (aka Personal Representative) with the IRS and the bank, and you’ve taken care of the most immediate concerns.  Now what?

Next you must officially notify various parties about the probate case and your status as executor.  There are some deadlines associated with this, too, so this is no time to rest on your laurels.  Stay busy, and stay organized.

First up, within 20 days of your appointment, you must officially notify the heirs and beneficiaries.  Because in most cases this must be done by mail, it is a good practice to ensure you have correct mailing addresses for everyone as early as possible.  So, to whom, exactly, are you sending this notice?  Well, obviously, anyone named as a beneficiary in the will must be notified.  Is that it?  Possibly, but also anyone who would normally be considered an heir but who might have been left out of the will, intentionally or otherwise.  In other words, if the decedent died intestate, i.e. without leaving a will, who would be the default heirs according to law?  Any surviving spouse comes first to mind, and any children second.  If any children predeceased, or died earlier, then the children of those predeceased children step into their place.  If there is no surviving spouse and no surviving children (or grandchildren, etc), then the deceased’s parents are next in line, if they are still alive.  If there is no spouse, no children, grandchildren, etc, and no parents, then the brothers and sisters of the deceased, and their children if those siblings are already gone, etc.  It goes on from there, and can get quite complex.  The complete rules are spelled out at wa-probate.com.

Must you notify everyone conceivable on this list?  Not necessarily.  But, if there is a spouse not named in the will, you must notify that person.  If there are children not named in the will, you must notify them (or their guardians if they are minors).  If there are predeceased children, then you must notify the grandchildren in that line, and so on.  You do not need to officially notify surviving parents unless there are no spouses, children, etc, thus making the parents the default heirs of an intestate estate.  You can choose to do so, and certainly one hopes that you will at least have told them what is going on, but you don’t necessarily need to involve them in all the legalities unless they are officially beneficiaries or potential heirs.  The same goes for siblings.

So how is official notification handled?  You will prepare a document entitled Notice of Appointment of Personal Representative and Pendency of Probate & Declaration of Mailing (With Will) (this, and many other forms, can be found in template form at wa-probate.com), sign it, attach to it a Declaration of Mailing in which you list the names and addresses of each heir and beneficiary being so notified (sign that, too), and attach also a conformed copy of the will (meaning the case number and date it was admitted to court are stamped at the top of the first page).  You will send a copy of this combined document to each one, and you will file a copy with the court.

Does that mean you have to go back to the courthouse?  Not at all.  Now that the case is opened, you can file by mail, or, in King County, you can file online.  I strongly recommend this latter approach, as it will save you considerable time as well as postage, and once you learn how to navigate the website, it becomes fairly easy.  Instead of a stamp at the top of filed documents, you will get a ‘receipt’ page, which you simply attach with filed documents for your own files (and any copies you send to others).

This has now put everyone on notice that they have four months from the opening of the probate in which to file a contest if they disagree with anything.  If they are ok with the will and how things are going, they don’t need to do anything yet.

Also within that same 20 days you will publish a notice to creditors in an appropriate legal or business journal and send notice to the Department of Social and Health Services.  Technically you have 30 days to publish the creditor notice, but you need to tell DSHS within 20 days what the date of that publication is, so it’s easiest to do that first.

The Probate Notice to Creditors was one of the documents you originally filed with the court when you opened the case.  The form has fields for Date of First Publication and Decedent’s SSN which you will have left blank up to this point.  The first is because you couldn’t yet know what the date of first publication will be at the time of filing, and the second because a) you must never include an SSN on any document you file with the court (they will fine you if you do), and b) you also don’t want to include the SSN on the notice you publish in the paper or send to creditors.  You do want to include it only on the form you send to DSHS.  So, at this point you have a form with a filing conformation stamp at the top, a case number, and a signature, but two blank fields.

Find out which legal journal is authorized for this purpose in your county; in Seattle the Daily Journal of Commerce is apparently the most popular (and the one I picked).  Contact them and let them know you have a Probate Notice to Creditors to publish, and they will tell you what the date of first publication will be.  Note that this service is not cheap — it might seem as if publishing such legally required notices is the main source of income for these papers — and although technically optional, it is a very good idea and I strongly urge you to do it.  You may get advice from various well-meaning people to not bother with such a notice, but if you don’t, then creditors have two years in which they can legally come after you and the estate for claims.  If you do publish, and proactively notify any possible creditor you can think of, then that time frame is limited to four months.  The usual fear with publishing a notice that literally invites everyone to make claims against the estate is that it will bring the crazies out of the woodwork with all sorts of false, fraudulent, and frivolous claims.  However, it was my experience that this doesn’t actually happen (I did get a couple of letters offering to buy the deceased’s real estate, but that was it), and if you speak to any probate attorneys, they will all advise you to publish, as it protects you, the executor, from legal claims down the road.

So, send the notice to the journal (they will publish it three times, at one week intervals, and afterwards will send you an Affidavit of Publication to file with the court), fill in the date of first publication on your copy of the notice, make another copy of that and write in the SSN, then send that attached to a Declaration of Mailing of Probate Notice to Creditors to WDSHS to the Office of Financial Recovery, WDSHS, in Olympia.  File a copy of the combined document (sans SSN!) with the court.

Now the next timer begins.  Within 3 months of that date of first publication you must send a copy of the Probate Notice to Creditors (with date of first publication but without SSN) to each and every creditor you reasonably expect could have a valid claim against the estate.  Who are these creditors?  Well, hospitals, doctors, and pharmacies come immediately to mind.  Hospitals are notorious for billing for services months after the services were rendered, and you don’t want that to happen, so you will let them know they have a definite time limit.  So, you will want to go through the decedent’s correspondence and financial records to come up with a list of potential creditors.  Even if you’re pretty sure the creditor has been fully paid off, put them on the list to make sure.  The last thing you want is for them to come back months later and say that you didn’t properly notify them when you should have, and so therefore they are not subject to the statute of limitations.  Besides medical facilities, there might be ambulance services (including the fire department), cellphone and cable providers, landlords or assisted living facilities, etc.  So, send them all a copy of the Probate Notice to Creditors along with a Creditor’s Claim form in which you have pre filled out the header with the case information.

The creditors have up to four months from the date of first publication, or one month after you mail them the notice directly, whichever comes later, in which to file a claim.  At this point, if any legitimate bills do come in, you should make the creditor file an official claim with the court.  If claims come in, it is up to you, as executor, to determine if they are valid or not, and pay them or not.  Use your best judgment.  If in doubt, ask the creditor for documentation of the amount owed.  In my case, all the bills had been paid at this point, so no further claims came in.

Now is when you have a bit of a breather.  You have four months to wait for claims to come in, or not.  Better than waiting two years, though, eh?

When the four months have elapsed, and all claims have been disposed of one way or another, you will file with the court a Declaration re Reasonable Review to Ascertain Decedent’s Creditors, in which you will list each creditor you notified.  At this point, as long as you have dotted all the Is and crossed all the Ts, you and the estate are protected against any future claims.

By this point, also, the timer will have run out for any beneficiaries to file a contest, so the way is now clear to close out the probate and, by extension, the estate.  One last thing remains before you can do that, and that is to file any outstanding tax returns with the IRS, and that will be the subject of the next post.

Probate and the Executor, Part 2 – The Death Checklist


Earlier I referred to something that I euphemistically called the “Death Checklist.”  Out of context, that may sound sinister or macabre, but in this case it refers merely to being prepared, as next of kin and executor, for all the legal, financial, and social things that will need to be taken care of when a loved one passes on.  As such a time is likely to be emotional and difficult, it can be helpful to have prepared in advance a mechanical, methodical checklist of all that must be done, when, where, and how, so that you can just work your way down the list, ticking off entries as they are completed.

Number one, of course, are all the things to do before someone passes on.  In other words, these are the things that you should do to make things easier on those you will leave behind.  If your parents are getting on in years, you might consider talking with them to see what preparations they’ve made, although that can be at best a delicate conversation.
“Dad?”
“Yes, Son?”
“I was just wondering if you’ve got everything covered for your death, and all.  You know, to make my life easier.  Since I’m the one who will have to pick up the pieces when you’re gone.”

Yeah, that conversation isn’t easy.  Not only does it raise an unpleasant specter, as most of us don’t really like to be reminded of our own mortality, but in the case of the aging parent it could mean opening up the privacy of their finances for the scrutiny of their children.  Many of us like to keep our financial affairs to ourselves, but the reality is that after death, everything about our financial lives will be a matter of very public record (unless you have a complex arrangement of trusts, and so forth, and that is far beyond the scope of this posting).  One of the biggest ways to ease the path of your executor will be to ensure that they know how to find and access every financial account you possess.  You don’t have to reveal it all to them in advance, but you will need to ensure they know how to find all the documentation when the time eventually comes.

I didn’t find this planning and checklist website until afterwards, but it’s a great resource for advance planning. Don’t mind the “less-than-serious” title of this site; the information and advice presented is very serious and sober, and easy to follow.  It also includes some free templates for such forms as a will, power of attorney, etc.  Start here.

My father had made one or two smart moves in advance, several years earlier, which made my life easier when the time came.  When his wife died, for instance, and he had to go through all of this to take care of her affairs, it opened his eyes a bit.  At that time he prepaid for his eventual cremation with the Neptune Society.  He didn’t actually tell anyone about this, but fortunately I found the paperwork when I started managing his affairs.  This turned out to be a huge help in the end, not only because everything had been prepaid years in advance (when rates were cheaper, as well), but because the Society provided something of a “one-stop” phone number to call when the time came.

When he moved into assisted living, he sold his house, so now there was no real estate to worry about.  This simplified things considerably.  This isn’t always something you can plan in advance, of course.  In my father’s case, the proceeds from the sale of the house were how he paid for assisted living.  This could be a whole other posting, talking about planning for this kind of end-of-life care, but I won’t go into it now.

When I took over managing his affairs, the first thing we did was execute a Power of Attorney for Finances.  We used the Quicken Willmaker software (which is actually made by Nolo), which did a fine job of creating a legally sound document which was perfectly acceptable to banks and credit unions once it was notarized.  If no real estate is involved, the document does not need to be filed with the county clerk, merely notarized.  If real estate is involve, filing is necessary.  We then consolidated his bank accounts, simplifying things, and added me as a co-owner of the account.  This gave me an ATM card and online access to manage the account on my father’s behalf, and after his death it also meant I had immediate access to the account instead of having to wait for probate to officially begin.  This could be important if there are urgent bills to be paid, etc.

My father already had a Medical Power of Attorney and Living Will set up, with my brother as the PoA for those decisions.

Next was preparing a will.  After spreadsheeting various scenarios and coming to an agreement, we again used Quicken Willmaker to draft the actual legal language of the document.  We had this and the Financial Power of Attorney notarized at the same time.

Once these documents were in place, the next thing I set out to do was create the checklist for actions to take when the ultimate day finally arrived.  I’ll summarize that checklist here.  On my copy I included important details like phone numbers, account numbers, etc, that would be quickly needed, so I had it all in one place.  Bear in mind this list is specific to my father’s situation, and some of the items are also specific to Washington State, but in general, this checklist should serve as a model for most people.

I adapted some of my list from AARP’s How to Handle Death of Loved One – Checklist document, which is another great resource.  Other parts came from http://www.wa-probate.com, a truly invaluable resource for anyone managing an estate in Washington State.

  1. Contact Hospice.
    1. In fact, the assisted living facility did this on our behalf, so a hospice nurse was already at my father’s bedside when I arrived on the scene.  This care had been setup about a month before, on my father’s doctor’s advice, when it was clear he was near the end.
    2. Not only did the hospice staff make his final days significantly easier, they also provided a nurse for preparing his body, and they made the initial contact to the cremation society (Neptune).
  2. Contact the cremation society / funeral home.
    1. The funeral home or cremation society will pick up the body, order death certificates, and notify Social Security.
  3. Notify immediate family.
  4. Cancel cellphone (his only remaining recurring bill, so obviously cancel any other monthly utilities or services as well — stop the money from flowing out).
    1. You will probably need either a Death Certificate or a Power of Attorney to do this.
  5. Forward postal mail to yourself.
    1. Also register as deceased with the Direct Marketing Association to reduce junk mail.
  6. If not provided directly by the funeral home, order copies of the death certificate from your county’s department of vital statistics.
    1. You’ll probably need about half a dozen.  I ended up getting twenty, which was far too many and therefore an unnecessary expense.  Still, it pays to get a few more than you think you’ll need for unforeseen circumstances when you need it quickly to avoid delay, and you’ll definitely want one for your records.
    2. Some agencies need official certified copies, and some are fine with photocopies of a certified copy.  You will definitely need a certified copy before you can open probate with the court, so getting this document is the key to getting the legal and financial ball rolling.  Delays in obtaining the death certificate result in delays in everything that comes after.
  7. Social Security
    1. The funeral home should have notified them already.
    2. SSA has their own “what to do” for survivors pages:
      1. How Social Security Can Help You When a Family Member Dies
    3. Also, if a spouse survives, there are benefits that can be claimed, both a one-time cash benefit and an ongoing monthly benefit.  What many people don’t realize is that even a divorced spouse may be eligible for benefits, as long as the marriage lasted at least ten years.  This is true even if the deceased remarried afterwards.
      1. Survivors Planner: How Much Would Your Benefit Be?
    4. Eventually SSA will update their “Death Master File”, which helps to avoid the deceased’s SSN being misused for identity theft purposes, among other things.  They don’t make the file publicly accessible, but you can purchase a copy of it.  I don’t recommend this.  Third-party websites (I’m looking at you, Ancestry.com) make this information available to their members.  What you can do, however, is validate that the SSN has been added to the master file with the free website www.ssnvalidator.com.  It may take a while for their database to be updated, but eventually this site will be able to tell you that the SSN has been marked as belonging to a deceased person, so check back later to ensure accuracy.
    5. It is not necessary to notify Medicare; SSA will take care of that automatically.  Likewise, if the deceased had a Medicare Supplementary insurance plan, Medicare will notify the plan administrator.
    6. There can be a lot of confusion about the final Social Security payment to the deceased.  Some of the literature on this point says payments made in the month of death must be returned.  What they mean is that payments made for the month of death must be returned.  For instance, my father died on the 3rd of March.  On the 1st of March he received his final Social Security payment by direct deposit to his checking account.  That payment, although received in March, was for the month of February, and he (or his estate, in this case) was allowed to keep it.  It was very unclear for a while, however, so if at all in doubt, make sure that enough money remains in the checking account for at least a month or so in case SSA pulls back the deposit.  Yes, in the case of direct deposit, they will automatically pull back the final payment from the bank account if they deem that it must be returned, so you have to ensure the account can cover it if that happens.
  8. Notify any pension plans so that payments stop.  If a payment is received after death, you will likely have to refund it.
  9. Notify any life insurance provider to get the ball rolling to receive any benefits due.
  10. If any services have been prepaid, the estate may be due a refund, so follow these up.  The big one here is likely to be rent.  For instance, if the deceased was living in an assisted living facility, they probably paid a deposit and prepaid a first and last month’s rent and fees, similar to an apartment.  Except in this case the dollar amounts are probably a lot higher than any apartment.  So, the estate may be due a refund on that deposit and on the final month’s rent (perhaps prorated).  Naturally, you will need to quickly clear any personal effects out of the rented room.
  11. Consult any “last wishes” documents and discuss with family members about memorial service arrangements.  Note that if the deceased was a military veteran, military service organizations may want to do something for the memorial.  This can be especially true if they are one of the few remaining WWII veterans.  Unfortunately, in my father’s case, he was a WWII veteran from a foreign service, not the US, so US agencies did not recognize him as a veteran for this or any other purpose.
  12. Consider publishing an obituary.  These can get more expensive than you realize, and there is the consideration that they may bring folks out of the woodwork seeking to cash in on your loss, so consider carefully what you publish.  You will be publishing an official notice to creditors later, however, anyway, so you’ll need to be prepared to deal with this.  Mostly it came in the form of some extra junk mail, nothing serious, so don’t be afraid from scare stories you may hear.
  13. Notify any friends or organizations (clubs, etc) that may have had a connection to the deceased and haven’t already been told.
  14. Begin now to obtain and/or confirm the addresses for all beneficiaries named in the will.  An informal “heads-up” notice is not out of line, before you start mailing them official documents, but it’s not required.
  15. Within 40 days of the death, open the probate with the court (http://www.wa-probate.com/Instructions/Opening/Opening.htm).  Really, do this as soon as you have a death certificate in hand.  You will need to appear in court in person to do this, unless the will was filed with the court in advance of the death.
    1. You will need the following documents in hand for your day in court, so obtain and/or prepare these in advance (www.wa-probate.com is a great resource for legal form templates); bring copies of each to ‘conform’ and keep for your records (conforming is the process of officially stamping copies as received by the clerk, with a date and case number):
      1. Death Certificate (may or may not be required, so be sure to have it with you)
      2. Case Assignment Designation & Case Information Cover Sheet
      3. Will
      4. Petition for Probate of Will, Letters Testamentary, & Nonintervention Powers
      5. Order Admitting Will to Probate & Granting Letters Testamentary & Nonintervention Powers
      6. Oath of Personal Representative (With Will)
      7. Waiver of Compensation by Personal Representative
        1. Optional, but to avoid any questions, it’s probably best to not plan to pay yourself for your time.
      8. Probate Notice to Creditors
    2. An appointment is generally not required, but there are certain times of the day when the probate court is ready to hear new petitions, so check your county’s website and/or call the clerk of the court the day before you plan to go.
    3. Each court has their own procedure, of course, but in King County’s Seattle courthouse, it goes something like this (I adapted the outline below from a similar outline published by http://www.wa-probate.com and modified it per my own experience):
      1. Go to the Attorney’s Information Bureau on the 6th floor, sign the Oath of Personal Representative there and have your signature notarized (minor fee required); obtain a copy for your records (in fact, get a copy of everything that you file with the court for your own records).
      2. Go down the hall to the clerk’s windows and file the Case Assignment, Will, and Petition for Letters (the clerk will keep the original of the petition).  The clerk will stamp the originals and hand you a prepared stamp to conform your own copies.  While you have the stamp, conform the three just mentioned, plus the other documents you brought with you (not the death certificate).  The filing fee to open the case is $240, so be prepared for that.
      3. The clerk will advise you which courtroom to go to; it will probably be on the 3rd floor.
      4. In the courtroom, another case will probably be in session, so quietly walk up the side of the room and approach the judge’s clerk, who will be at a desk off to the side of the judge’s bench.  These clerks are amazing at juggling things, so they’ll see you approach and let you know to come on or wait.
      5. Tell the clerk you have a Petition for Letters and are there to be appointed as a personal representative.  Hand him/her the originals of the Case Assignment, Will, Petition for Letters (probably the conformed copy, assuming the county clerk kept the original), and Order Admitting Will.  Wait nearby.
      6. When called, say “Ready, your Honor” and walk up in front of the judge’s bench.  Say “Good morning, your Honor.  My name is <xxx>, and I am here requesting appointment as a Personal Representative.”
      7. After this point, the judge runs the show, so there’s no script.  He or she may have some questions, so respond simply, directly, and concisely.  The entire point here is to keep things short and simple, as the entire affair should not take more than five to fifteen minutes.  Don’t launch into long-winded and embellished stories (like my brother did when he went with me!); that said, the judge runs the show, and in our case she asked questions of personal interest because she actually seemed to care, so go with the flow.
        1. Since my father’s will named minors as beneficiaries, at this point the judge ordered that a Guardian ad Litem be appointed to ensure their interests were adequately protected, so the clerk quickly prepared this document from a template.  If there are minors in the will, ask that the nominees named in the will as custodians be appointed as fiduciaries.
      8. Eventually the judge will sign the Order and hand the documents back to either you or the clerk.  Say “Thank you, your Honor,” and step away.
      9. The clerk should stamp the signed Order for you with the judge’s seal, and then return all the documents to you for filing.
      10. Return to the County Clerk’s office on the 6th floor and hand the clerk the signed Order and the other original documents.  These will now be filed into the case (you kept your own conformed copies, right?).
      11. The clerk will give you a certified copy of the signed Order and of the Letters Testamentary (minor fees are associated with these certified copies).  Ask for a couple certified copies of the Letters, as you may need to leave one with the bank (or they may just photocopy it).
      12. You’re done!  You have now been officially appointed as the Executor.  Unless something unusual occurs, this will probably be your last physical court appearance.  Everything else can usually be handled online or by the mail.
      13. Go have a beer or a coffee.
  16. Now you must file a few documents with the IRS:
    1. First, file a Form SS-4, Application for Employer Identification Number.  The EIN becomes the estate’s tax ID, sort of a business-version of an SSN, and you will need this number before you go to the bank.
      1. Instructions for Form SS-4 are here.
      2. No need to mail anything!  Apply online here and get the number immediately.
    2. Once you have an EIN, the next order of business is to file a Form 56, Notice Concerning Fiduciary Relationship.  This tells the IRS that you are now acting on behalf of the decedent for tax purposes, and allows you do things such as file a final Form 1040 for the year of death, plus any estate tax forms that may be required.  Also, the IRS will now come to you with any matters they have regarding the estate or the deceased.
      1. Instructions for Form 56 are here.
      2. Unfortunately, there’s no online application for this one.  You must fill in the PDF, print it, sign it, and mail it in the old-fashioned way.  The form is here.
  17. Time to visit the bank.  Take your Letters Testamentary, the Death Certificate, and your EIN just obtained from IRS, and of course your own identification.  Ask the bank to open a new estate checking account, as well as give you control over any existing accounts.  Assuming the estate is not too complex and the probate should be wrapped up within a year, you may want to consider consolidating everything into the estate account, which should be a non-interest-bearing account.  Many banks will treat estate accounts like small business accounts.  Earning any interest other than small amounts may complicate the estate tax handling, so if it’s not going to be significant, it’s probably easier to avoid having any estate income.  The timing of closing out the original accounts is up to you; you’ll want to ensure that any legitimate final direct withdrawals are made before you do so, of course, but once any such services are cancelled and final payments made, there’s little reason to keep the original accounts open.  From now on, whenever possible, use checks from the estate account to pay for any estate expenses, as this will simplify bookkeeping and keep a clean audit trail, should it ever become necessary to produce one.
  18. Notify the credit reporting agencies.  At this time, all three require a mailed letter, copies of the death certificate, and at least one wants a copy of your Letters Testamentary.
    1. Equifax
    2. Experian
    3. TransUnion
  19. Notify the Department of Licensing and the local county and/or state elections divisions.  However, in all these cases, the procedure is unclear.  They may or may not be automatically informed by DSHS or other state agencies.  I contacted them by letter directly anyway, just to be sure.
  20. Cancel any other accounts and memberships, such as email, AARP, etc.  Some of these may require copies of the death certificate.

At this point, you have most of the immediate concerns completed.  There are court-imposed timelines for your next activities, but I’ll go into those in a future post.  Just be aware that within twenty days of being appointed as Executor you must officially notify DSHS and all the beneficiaries, and within thirty days of appointment you must publish a Probate Notice to Creditors in a local business journal.  That last kicks off a four-month timer that mostly determines the duration of the rest of the probate.

Probate and the Executor, Part 1


The first few days after death are among the most busy for the executor of the estate, but one could be forgiven for thinking things will settle down shortly after that.  After all, you read on websites and people say to you things like “It’s a marathon, not a sprint,” assuring you to take your time and not stress out.

Unfortunately, it stays busy for months.  If the estate is not large enough to warrant hiring an attorney, the executor can be quite busy, and there are court-imposed deadlines for getting various things done, independent of the natural desire to wrap things up and get the money to the heirs and beneficiaries.  If the estate’s assets are not complex, and if there are few heirs, then truly it doesn’t have to be very complex.  My father’s estate was not large and not complex, consisting almost entirely of a simple bank account, but there were a large number of people named in his will.  Some of those people were children, and some of them were non-US citizens, living overseas.  One of them was a child living overseas.

As soon as there is more than a single beneficiary, the estate has gained complexity.  When one or more beneficiaries are minors, that complexity expands considerably.  When international beneficiaries are added to the mix… well, you get the idea.

As executor, you are legally bound to pay attention to every detail, and whether or not the process sails easily through court or gets bound up in all kinds of oversight depends upon getting those details right.  Well-meaning relatives will tell you “oh, don’t worry about x, y, or z”, because it’s just a family affair and everyone will understand, but that actually doesn’t wash.  It’s a legal affair, and it’s also an IRS affair, and courts and the IRS are not known for being forgiving of fudging the details.  Additionally, when there are many beneficiaries, and some of them are relatives who have grown distant from the family, whom you no longer know very well and don’t know how they will respond, there is added impetus to dot all the I’s and cross all the T’s.  The executor can be legally liable for any mistakes.  You have to protect yourself.

So, all that sounds rather scary, but actually it’s not that bad.  The key is attention to detail and being organized.  Some advance preparation can help as well.  I am not a highly organized person by nature, but I am detail-oriented, sometimes to a fault (this is useful in my job, but sometimes causes personal projects to take far longer than needed).  Knowing that it would be a difficult and unfamiliar process, I took steps before my father died to map out what the process would look like, to create an outline of what had to be done and when.  I created a death checklist.

Death of a loved one, even when expected in an elderly parent, is generally an emotionally difficult time.  I anticipated this, and I thought having a checklist that I could follow, ticking off the tasks as I completed them, would help keep me on track.  That turned out to be true, although not everything happened the way I expected it to. What I did not anticipate was how clinical I could become about the whole process, relegating it in my mind to this checklist, this series of steps to take, documents to file with the court and mail to the beneficiaries, arrangements to make with the bank and other institutions, forms to send to IRS.  It was necessary to stay focused, but at times I actually feel guilty for not being more emotional about the fact that my father is gone. It hits me every once in a while, but overall I feel rather detached, and I wonder if there’s something not quite right about me because of that.  My siblings have thanked me again and again for handling this and praised the job I’ve done, and inside I still at times feel a bit like a fraud, because after all, I’m just following this checklist.  At times I’ve had to harangue some of the beneficiaries (or their guardians, in the case of the minors) when I’ve needed something from them, and this especially makes me feel awful.  I send off a hopefully-diplomatically worded email, or Facebook IM, or actual letter in one case, and afterwards I remember that this person just lost their father, or grandfather, or great-grandfather, and I’m harassing them about some document or other.  I had to send another such missive off last night, and here it was, the eve of Thanksgiving.  What a holiday spirit.

So there you have the first set of rocks that, as executor, you must carefully navigate around.  You need a careful balance of humanity and detachment.  The detachment is necessary if the job is to be done, and done right, and in a timely manner.  Really, everyone else will thank you for this in the end.

So what really is the job of the executor?  What is all this work that I’ve alluded to above?  Well, in my case, the job started about two years before my father actually died, and perhaps that’s why I was so detached from it all when the time finally arrived.  I had been anticipating and preparing for it for a long time.

It all started when my older brother suffered a worksite injury that put him in the hospital for about six weeks, and for which the outcome was rather uncertain.  He eventually recovered pretty much fully from that, thankfully, but at the time it was rather frightening.  As the eldest of all the siblings, he had somewhat naturally assumed the job of taking care of our elderly father’s affairs, especially in the first year after Dad moved into assisted living.  Suddenly he was out of commission, and it fell to me to pick up the reins.  I think at that point I realized that I had always been rather selfish, letting my brother take care of all the family business while I just got on with my life, and I resolved to step up and do my part.

FYI, I blogged about my brother’s hospital experience at http://www.caringbridge.org (login required), and that was my first-ever blog.

After spending the best part of a week at my brother’s bedside in the ICU, I resolved to pick up where he had left off in the care of our father.  The biggest part of that was regularly visiting him at his assisted living center.  I had visited him, of course, but as it was nearly a ninety-minute drive (in traffic) from my home, it wasn’t all that frequent.  Now it became a weekly affair, and soon I was making the drive from downtown Seattle to Gig Harbor every Monday after work.  We spent this time chatting, watching movies on his TV, eating dinner at the facility’s cafeteria, and talking about his fascinating life story (a few hints of which have already appeared in these pages).

Tax season was approaching, and I knew that my father would need help with his taxes.  So, we executed a Financial Power of Attorney and I began sorting out his finances.  I found a mess.  Rob, my brother, had done much to see to Dad’s medical affairs and general day-to-day wellbeing, but he had left his financial affairs alone, and we had both trusted that Dad knew enough to take care of things for himself.  It turned out that his mental state had been deteriorating for some time before he went into assisted living, and we just had not realized it.

Organizing his finances for purposes of tax preparation gave me a very good picture of his overall financial picture, of course, and keeping things on track for the next couple of years, up until his death, meant that when the time came there were no hidden surprises in store for me.  So, this was the first part of being prepared.

Once I had the Financial Power of Attorney in place and had settled his bank accounts and tax status, I moved on to getting the rest of his estate in order.  I asked to see his will.

He had one, hand-written, un-notarized, a single paragraph stating, in effect, that he gave everything to Rob and trusted him to distribute it fairly.  In his papers I found another one, typed but un-signed and un-dated, in which he said something about giving money to each of his grandchildren, so that they might remember him.  It was not clear which was the most recent, and of course they were in conflict.  Neither was likely to stand up to any challenge, should someone object.

So, I discussed this with both Rob (by this time he had mostly recovered from his accident, but we agreed that since I had delved so deeply into Dad’s finances, I should continue in the role, while Rob would handle the Medical Power of Attorney duties — a division of duties that suited me perfectly, as if the need for a ‘pull the plug’ decision were ever to come, I really really didn’t want to have to lead that) and Dad.  The three of us agreed that a new will was required, and after a lot of spreadsheeting of various scenarios, we agreed on a plan.

One of the elements of this plan was an attempt to bring some of Dad’s great-grandchildren, who had been inadvertently cut off from the family by the actions of their father, back into contact.  In essence, Dad named great-grandchildren in his will both so that they would have something to remember him by, but also so that there could be an ‘inciting incident’ (to use literary terminology) to bring us all back together.

This was a brilliant idea, and one that ultimately worked extremely well.  It also added considerable complexity to the estate management, a fact I would not realize until after Dad’s death when I delved into the particulars of making it all happen.  I have no regrets on that score, however, and the complexity has been worth every day of work missed, every court appearance, the attorney’s fees that ultimately had to be paid anyway, and all the extra filings and snarky emails I had to send.  By this simple decision to extend his will to one further generation, Dad re-united our family in a way that had stymied us previously.

Again, money was an issue, so hiring an attorney to draft the will was not a reasonable alternative.  Fortunately, without real estate or business assets involved, nor an expectation of anything highly contentious, an attorney was not required.  We selected Nolo’s WillMaker software to draft the will and found a notary public who would travel to Dad’s location in Gig Harbor.  Easy peasy.

And of course, who would be selected as executor?  I volunteered, of course, but it only made sense.  I had been Dad’s financial advisor and power of attorney for some time.  I pretty much managed his bank accounts for him, giving him monthly reports on his status.  I talked with him regularly about his wishes.  I prepared his tax returns and represented him to IRS.  I helped him draft the will.  I lived not too far away.

I worried, of course, that some might see a conflict of interest, since I was also named as a beneficiary in the will.  I am his son, after all.  So, I took great pains to be as open and forthcoming as I could with everyone about every aspect of the estate, without compromising Dad’s privacy too much.

Later, after Dad suffered his stroke, it was clear we needed to update the will, as by then a new great-grandchild had been born and another was on the way.  We planned to wait until Eleanor would be born and then revise to include the new family additions.

But, last February, on the advice of Dad’s doctor, he entered hospice care, and we all agreed that we could not wait for Eleanor’s birth.  I could not find anything to indicate a problem with naming an unborn beneficiary, and of course we hoped that she would be born by the time the will had to be put into action.

That was not to be, however.  Dad died only a few weeks after signing the new will in front of a notary provided by the hospice.  Not long after that, I presented the will in front of a judge to have it admitted into court and the probate opened, and the judge assigned an attorney as Guardian Ad Litem to ensure the rights of the minor beneficiaries would be adequately observed, including, of course, the one beneficiary not yet even born.  The GAL, as court documents thereafter referred to him, found it unusual to name an unborn child as a beneficiary, but he could think of no precedent or law to indicate anything wrong with it.  His comment was “I hope the parents are right about her sex,” to which I replied, “Well, if it turns out to be a boy, I’ll tell them they still have to name him Eleanor!”

About two months after Dad’s death, Eleanor was born, a beautiful baby girl.  She never did get to meet her great-grandfather, but because of him she now has a small financial stake for her start in life.  It’s not much, but from tiny beginnings, great things may come.

(to be continued)

A Final Voyage


Captain Fraser has sailed into his sunset.  Early on the morning of Sunday, 3 March 2013, my father breathed his last and departed to rejoin his wife, who left us sometime earlier, in 2002.  My brother and I spent the night at his side, holding his vigil and keeping him company, while he ranged ahead to scout his path, until he no longer had need of us.  He was 92 years old.

The past year has been a busy one for me, and I fear both writing and research had to take a back seat for a time as my father had more immediate needs for my attention.  Last August he suffered a stroke, which necessitated a month in hospital and rehab and then a move to a more advanced long-term care home.  Our days of watching Game of Thrones together and discussing his nautical adventures came to an end.  Instead our attention had to shift to ensuring he was getting the medical care he required and, sadly, seeing that his affairs were all in order.  I still visited him about weekly, but due to the communal nature of his new living arrangement, it was not reasonable to spend hours with him the way I had in his previous assisted living center.

In February his doctor advised him to shift to hospice care, and this was a good call.  I think all the exams and tests and needle pricks were probably getting to be a bit much, and now there was no longer any need for all that, replacing it instead with a focus on comfort and quality of life.  Indeed, the changed nature of the attention paid upon my father rather brightened his outlook, and his health rebounded somewhat, but the doctor’s prognosis was not in error.  His kidneys were failing, he had persistent low-grade pneumonia, and things were just shutting down.

That Saturday evening the staff at his home called me to say he was in rapid decline, and when I fussed about calling my brother my wife said to me, “I’ll take care of that; you go.  You don’t want to be late.”  The home was only a block from my own, and so I grabbed phone, wallet, and keys and ran over there.  When I arrived he was in his bed, unconscious, breathing with difficulty, and a nurse from the hospice was attending to him.  My brother arrived not long after that.

The youngest of the caregivers from the home, the one who had found my father slumped, unresponsive, in his chair, looked on, clearly fighting hard to hold back tears.  In a halting voice she told us she tried hard not to become too attached to the residents, for obvious reasons, but then the tears came on strong and she admitted, “But I fell in love with your dad.”  He always did have that effect on the ladies.  Hers were not the only wet eyes.

As the evening wore on most visitors left, the nurse having given the staff instructions to administer a medication regularly.  We called our sisters to let them know, and the two in California elected to catch the next flight, departing at 7am.  The staff woman staying on duty that night slept on the couch, getting up every two hours, like clockwork, to come down and give him his dose.  My brother, Rob, and I stayed on, awake, through the night, dozing but a little in the darkest pre-dawn hours, speaking to my father, reading him poems, and holding his hand.

Shortly before 7 we stepped upstairs for a cup of tea.  We were upstairs for perhaps ten minutes.

When we came back down, he was gone.  It was just after 7, and Jocelyn and Deborah’s flight had just taken off from San Francisco.

I looked out the window at the sunrise and saw that the forecasters had got it wrong yet again:  it was supposed to be cloudy and drizzly on Sunday, but in fact the day dawned clear, bright, and beautiful, if rather chilly.  I am not an overly emotional person, but I struggled with it then.  It is not at all uncommon for dying people to wait for others to leave the room, and I knew this, even thought of it while drinking that cup of tea, and yet now I could not shake a sense of guilt for having stepped out of the room.  Later something my niece would say to me would cause me to realize that, after the years of rather intense invasions of privacy, both physical and financial, associated with assisted living, this would be the one final act that my father could take in complete privacy, on his own terms, and this was a comforting thought.  He remained the Master of his fate, the Captain of his soul.

A few hours later the girls arrived, with only one slight detour due to Seattle’s infamous street signage (no, you cannot drive a car down a stairway, though city maps might lead you to believe it is a through route).  We had elected not to tell them until they arrived, knowing they were driving a rental car in an unfamiliar city while sleep-deprived, but Deborah took one look at my face and knew.

The hospice sent out another nurse to help us prepare Dad for his last journey.  He was a big fellow, no two ways about it, and while the nurse was entirely competent and professional, she was also a younger lady of slighter stature.  She did not ask for it, but it was clear she was going to need some help.  Rob and I looked at each other, went into the room with her, and shut the door.  She was very thankful.

I will not describe the process of washing and dressing my father’s body, but I will say that it was at once difficult for me and also helpful.  I cannot say it was at all pleasant, by any means, but it felt ritualistic, and by the time we were done it had helped me come to terms with everything. The nurse helped tremendously with her cool professionalism and calm, respectful manner.  My final image of Dad is one of patrician dignity lying in calm, peaceful repose.

The funeral home’s man arrived, and we helped shift Dad’s body into his black van.  The fellow apologized that he had another “passenger” that day, so he hoped we would not mind if Dad had to share the ride.  We believe Dad’s only objection would be that his companion was a gentleman rather than a lady.  I watched as the van drove off and out of sight, then turned and went back inside to rejoin the others.

The next 36 hours are a bit of a blur to me.  Sunday afternoon was all about family, and Monday was yet another beautiful day, with the Olympics, Cascades, and Mt Rainier shining in crystal snow-capped clarity.  We took a walk along Magnolia Bluff and watched a tug towing a barge into Elliott Bay.  It was not a Foss tug, unfortunately.  That evening the girls caught their flight back to California, and Tuesday my work dealing with “officialdom” began.  Appropriately, Tuesday was more typically Seattle grey.

Captain Robert William Campbell Fraser, Lieutenant Commander, RNZNR, Marine Superintendent, and Master Mariner, veteran of World War II, of Foss Launch & Tug, Dillingham Corporation, the Union Steamship Company, and J&C Harrison’s Shipping, husband of Dorothy and Judith, son of John Fraser and Gladys Annie Dinah Statter, father, grandfather, great-grandfather, brother, uncle, and friend, has departed on his final command, a last cruise, at the far end of which his beloved wife awaits him.  So he had always believed, and so it is true.  May we all live a life so well.