The car wasn’t the only thing that overturned that night on the Mysore-Bandipur highway.
“In the blink of an eye, my whole life turned upside down,” sobbed mom’s friend, choking back tears as she recounted a road accident that claimed her husband’s life and left her a desolate widow with one daughter and another child on the way.
One hears of people passing on nearly every other day, but this tragedy seems to have affected mom a little more than the others. Perhaps it has something to do with losing one's spouse - which is mom's worst nightmare - on par with losing her children.
“You know, one day out of the blue he asked me, ‘What will you do if something happens to me? How will you manage?’ ” recounted the friend, whispering so her five-year-old, who thinks Appa is still in the hospital, wouldn’t overhear. “I told him to stop talking nonsense. ‘Nothing’s going to happen to you,’ I said. ‘Let’s concentrate on our new baby.’ ”
For her friend’s sake, I hope her husband manged to brief her before his life was snuffed out at 35.
For long has mom tried to ask dad what she needs to do in case … (there, she can’t even say it!) “Can you make me a checklist, please? I have no clue what to do,” she said, hoping he’d take her seriously.
Dad shrugged vaguely, dismissing the question by asking her to contact the financial planner, making mom suspect he’s equally clueless.
A long time ago, when she had no business going through her mother’s almirah, mom chanced upon a sealed envelope in her father’s handwriting that said, “To be opened in the event of my death only.” She hastily put the envelope away, as though merely touching it would bring her family ill luck.
Years later, with a family of her own, mom wishes she had a set of bulleted instructions to fall back on in case the need arises. Not being the least bit financially savvy (numbers bore her), she dreads having to deal with paperwork and decision-making in a time of distress.
On her part, mom has never felt the need to ask dad how he’d cope if she were to suddenly kick the bucket. Hypothetical questions would surely cause him to frown and leave the room. Were she to keel over, mom knows with utmost confidence that her children would be in dad’s excellent hands, lacking neither finances nor love.
Her passing would devastate her parents and bring grief to her children. But what effect would it have on the most important man in her life?
On dismal days such as this, when self-pity washes over her like a giant wave and threatens to engulf her in its surge, mom silently wonders if her absence would cause anything more than a mere ripple in her spouse’s pond of emotions.
Monday, December 08, 2008
Bucket list for survivors
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42 comments:
I believe this thought occurs only during moments of despair. It doesn't exist otherwise.
But you've made a relevant point.
And the mere idea of being left alone/leaving others to cope with one's death gives me the shudders. I wish checklists existed.
Sigh
Meira, I wish they made financial education compulsory in schools. It's so much more useful than dissecting a frog and gaping at its innards before throwing it away in the garbage when its heart is still beating.
terri:
did i say something about 'ghar ghar kee kahaanee' a few months ago? :-)
i doubt whether a financial planner would condescend to look at our portfolio, or if he/she would, he/she might ask for half the portfolio in fees!
serious question though - i am curious how financial planners function. does the planner tell dad and/or mom each time (before/during/after) he/she makes a move with your moolah, or do they just get monthly, quarterly or annual statements?
- s.b.
s.b., you're asking me?!! If I took that much interest in money, I'd manage my own instead of letting someone else deal with it.
I am so sorry to hear about your friend's loss...
I am sure it would be hard on either surviving spouse - the Dad by himself would find it hard to give the kids the same kind of love, care and attention and the Mom would find it hard to keep the finances running smoothly. I guess humans are resilient and time tends to heal and life moves on. But during tough times, I am thinking, either survivor would sorely miss their life-partner.
-rm
Thanks, dot. I feel awful for her.
rm, your comment makes me wonder if the friend is also suffering from survivor's guilt since she was seated right next to the husband when the accident happened.
Terri, its a terrible thing to happen and a rough road is ahead of her, but I am happy for the kid that she survived. That used to be a often worrying thought in my mind when growing up - what would I do should something happen to my parents.
-rm
Condolences to your friend and not really qualiified to make a comment on this except maybe " when the going gets tough, the tough get going "...Srikanth
I am so sorry to hear about your friend's tragic loss. As for our spouses surviving without us......
I would personally love to be a fly on the wall and see how he manages without me!
Wishing your friend much strength to deal with her loss. I teared up at the little one thinking that Appa was in the hospital. How does one so young cope with a loss so huge?
I'm sure Dad's "pond of emotions" run deep, you know what they say about still waters.
Until my mother felt able to take over, I handled the finances when my father passed away suddenly last year. The resolve to get actively involved in my own finances only lasted a few months (and I really have no excuse since I handled my own finances through grad school and early working years). It did drive home how critical it is to at least understand your own financial "big picture" so that you can put together the jigsaw puzzle should the need arise.
- DS
ps: Laughed at Dipali's comment about the "fly on the wall". I think most men, esp. the strong silent types would be like a fish out of water without their more demonstrative and vocal halves.
-DS
Its a terrible tragedy..nobody deserves to die so young.
In the Indian setup nobody talks about what to do in the event when one dies. People hesitate to even think about it let alone plan for the surviving family.
Even after a couple of years of earning, I am mostly clueless about managing money. Do you think its a thing with women? We are so used to being taken care of financially and otherwise that some of us dont bother to learn up such stuff :(
Five years ago, my dad gave a copy of his will to me and brothers. I have never opened the envelope. After handling his/our investment and tax matters all these years, he has finally handed over the reins to an accountant. Every time I am home on vacation, he tries to educate me about the portfolio. Needless to say, it's in through one ear and right out through the other!!
Fortunatley, hubby and I have modest investments, which I am able to keep track of as I update a monthly investment spreadsheet. Challenging decisions are left to the husband. I just go with the flow. ;)
Terri! How on earth did Mom write what was always in my mind -- that the husband would hardly notice that I'm dead when I'm that. He took one-and-a-half days leave for his mum's death, I'm sure he'll trim it to one day for mine. I've told him as much, with the response being a blank stare.
About finances, my situation is the exact opposite of mum's. While I'm pretty clueless myself, the husband is worse. Maybe I should make a checklist and ask him to make a similar one. Thanks for the idea :)
"another child on the way" ....
From the couple of instances I know in real life, survivors seem to survive through pretty much everything including the missing bucket list except ...
My aunt, who pretty much never stepped into a bank, with a little help from her brothers(only for the first year) manages her family very well after losing her husband.
Terri, Your mom should give a little more credit to the Man, who thoughtfully sent her gifts on the wedding day.
Sachita, your last sentence makes me feel I should go this very instant and kiss and hug the Man. But the maid's there, and the Man can't take a hint when I call him into the bedroom. "What is it?" he'll frown and continue staring at the laptop.
inba, do you have a cook? If not, your absence is bound to make a difference :) (Sorry, sorry, don't kill me!)
Chips, spreadsheet ... investment ... flow ...? Why can't life revolve around words only?
Muser, I read once that insurance agents in the U.S. have a tough time selling life insurance policies to East Asians because they're superstitious. It's comforting to know that it's not just an Indian phenomenon.
DS, I'm coming to you for a crash tutorial on finances. (OK, fine, the real reason is to sample some cake.)
The friend hasn't told her child because she doesn't know how to tell her. She asked me how to, and I was equally clueless.
dipali, no fly on the wall. I'll come back as a bhoothni!
Srikanth, thanks.
rm, when I was a child I felt invincible. The worries and insecurities started after I became a mother.
I don't have a spouse but I often have nightmares about what I'd do if either one of my parents died. Even though I've seen it happen with their parents (my grandparents) I don't have the slightest clue how one goes about processing stuff like that, much less more practical stuff like finances and so on.
However, my folks are full of surprises - I was telling my friend the other day about how I felt I should make a living will because I wanted to be DNR and I wasn't sure my parents could handle that coz I was their baby etc and then I heard my parents discuss the matter with my aunt and uncle in a very casual way - and they were all "pull the plug! No excuses!" Man, my parents are hardcore.
Terribly sad for your friend and her babies.
amrita:
"dnr?" vo kis khet kee moolee hai?
googling only fetches me "department of natural resources" which i doubt very much is what you mean.
- s.b.
Yes, Am, do tell. DNR?!!
(munna_bhai)
DNR stands for - DO NOT RESUSCITATE. This is usually checked in when you go to an emergency room in the US.
It is mostly for people who do not want to live in a vegitative state.
You all might have heard of Terri Schivao (You can google this)
Be very careful about signing this. There could be minor instances (asthma, breathing issues) where you prefer to be resuscitated.
You would need a signed document in this case or the nearest relative can take it on your behalf.
Here is a link to explain it
http://en.wikipedia.org/wiki/Do_not_resuscitate
terri,
terribly sorry for mom's friend's loss.
on the topic of planning for the worst case scenario, I got my checklist in order after 9/11, given the rude-awakening that it brought re: our mortality. the incidents in mumbai on 26/11 only reinforce this. during another near-death hospitalization a few years back, the checklist gave me some solace that 'ok, i'm ready to go'.
now for the checklist itself, here's what i've done, primarily post-9/11:
1) used two online tools to consolidate all my accounts (investment, banking, mortgage etc), so that i (and my surviving spouse/kids) can get a snapshot of assets and liabilities. the two tools that i use to balance my expenses (and hence my life) are both free - yodlee.com and mint.com.
2) got a living trust/will done with explicit instructions on who/what to do in case of a medical emergency (including executors of will, who can make medical decisions for you in case you are a vegetable etc. eg: i put my doctor brother as my medical attorney for this). i used a local attorney for this, but if you're in the US, you can do this easily through legalzoom.com.
3) i made sure i had adequate life insurance.
4) i got my spouse's/kids names as survivors on all my accounts (including bank accounts).
5) i typed up key account information (for the yodlee and mint accounts) (note: i didnt have to type in all accounts since mint/yodlee keep them). i typed some key instructions on what to do (eg: take the money from the insurance, pay off mortgage etc). i also included the name of a friend who i trust with financial decisions as the person to call to get finances back on track when i'm gone. my wife was not willing to have the conversation about what to do in specific terms in case of my death, so i took this list and kept it in a lockbook that stores our important documents like passports. i did tell her that if i were to be gone, the to-do-list is in the lock box.
sorry about being long-winded, but your headline touched a nerve.
terri, make sure mom gets dad to do a few of the above things at least :-)
-gp
gp, wow, thanks for the detailed list. I'm sure it will help a lot of us who're swimming blindfolded.
munna bhai, you sure you're not a doc? Or do you just watch too many American medical sitcoms?
[munna_bhai]
Yes I am sure I am not a Doc :-).
My wife likes to watch ER and Law And Order. So I have watched a lot of those shows.
To me I like the money shows. I love number crunching and my spouse hates it .
I think one approach that you can try is to have a property fully paid (no mortgage), the rest can be investments. This makes it easier to manage in case of an
something happens.
I enjoy reading your blog a lot and can relate to so many things.
So I have an uncle who's been totally dependent on his wife since the day they got married. Anything you take to him is referred to the aunt. (Who btw is an excellent manager.)
The family joke is if she goes first and we need to arrange her funeral, we oughtn't ask the uncle for any inputs because he's bound to tell us to ask her how things are to be done!
Hi,
Its really bad to hear about the tragedy that she is going through.
Maybe Mom can help her somehow and also do something about her own finances as well as making necessary arrangements together as a family be helping Dad other than writing a blog post alone.
~
Priti.
Really sorry to hear about your friend's loss. The worst night mare. I could relate to every word you have said here as if you have written for me! I have been asking my husband to make me a list for the longest time. And I know I don't have to make any list. Perhaps just what the kids like to eat to get through the next three days when there is bound to be commotion. Other than that - nothing. His only answer when I complain about how it won't matter to him as much - he says - you are the lynch pin here - do you really want to go leaving your kids? (This when I tell him I want to go first so I don't have to face the horrible loss). I am afraid that we still have not written the document but I am also afraid what if I am too prepared and what if it actually...Like you, I am afraid to even say it.
I feel so badly for your friend. Another one on the way? My God - just heart breaking. It must be the most bitter sweet thing when she delivers her baby.
noon, exactly! Other than feeding my younger one (very important) and distributing my jewelry among the two kids (not so important), I don't need to create a list at all. And I pray I go first because I'm most afraid of loneliness. (BTW, the friend said she'd be the one teasing her husband about what he'd do were she to go first, and she's left behind now.)
People are advising her to abort the baby because of the accident and possible trauma to the womb, but she is clinging to the unborn child for obvious reasons.
Priti, you sound so practical, you make me sound like a whiner :)
sue, I hope such an excellent manager is using her talents in an office somewhere. I know a few personalities, stronger than the husband, who only get to use their talents in the kitchen, unfortunately.
munna_bhai, number crunching!! Aaaargh! I'd rather crunch a Kit Kat bar.
Sorry about your friend.
And as for the other concern, I used to be bothered to no end, but finally realization dawned on me that the world will go on no matter who dies. So, just enjoy life while it still exists.
[munna_bhai]
I know how you feel about number crunching. I used to be the same when I started my first job.
Guess what, I had to learn it the hard way.
In my mind we live in a different world then our parents did. They had things very plain and simple (No worries on Life insurance, Medical, Pension, or job security)
We are in a different world and it involves every person to have atleast a tad bit knowledge of Finance.
So I know its boring and not interesting, but guess what "It Takes a lot of EFFORT to GET it. You MUST take more EFFORT To PRESERVE it"
Just my two cents.
Yes, I wanted you to look like a whiner :-)
No, Terr, seriously, My intention is to get smthg done. Why do we expect everything to done by darling husband. You can take the lead and show him the way and specifics and then he will implement. It should be family thing not only Dad or Mom's.
And I pray that you/me never have to face this. Just like Mom, I can't face lonliness at all. I can't imagine how yr friend must be doing.
~
Priti.
I think mom needs to show dad this post. Dad needs to sit up and start paying mom some fulsome compliments so that such a sad thought never crosses mom's mind again. And mom needs to sit up and ask the tough questions on the finances. We are all way too content leaving that stuff to the men.
I've been thinking about this whole "sumangali" == "kicking the pail before husband" bit. I am wondering how traditional male-biased Hindu hierarchy didn't decree that the true sumangali is one that is there for the Lord and Master till his last breathe. Dying before him? Why, wouldn't that be escaping your wifely duties? Tsk tsk.
-DS (tongue firmly in cheek)
DS, after attending a few Hindu weddings this season, I think sumangalis are accorded waaaay too much importance in our culture. I don't see anything inauspicious about widows to keep them away from festivities and relegate them to the back seat.
Muser, Priti, munna_bhai, I know, but it's so much easier to just crib and whine.
Lakshmi, yup, we're all dispensable, unfortunately.
i am so sorry to hear of mom's friend's tragic loss. what a difficult situation to be in....
i too am totally clueless about our finances. HG manages everything and I run away the moment we have to talk finances. Recently, he compiled a list of all our investments, in case something happened to him. Though i don't want to think of such a situation, I did take a look at that list. I know HG will be devastated if i go before him. When I had my ectopic surgery, there was a chance things could go wrong and I know HG was tormented by the thought.
I think we need to give dad some credit. Just because he talks to the laptop doesn't mean he won't miss mom.
Can you please end the year with some happy thoughts please? you are one of the few shrink recommended happy places I come to whenever I can. Please.
guddi:
here's sayesha to lighten up your mood!
- s.b.
"Lakshmi, yup, we're all dispensable, unfortunately."
But isn't that a good thing? I like to believe that my loved ones will be fine after I depart, so that I would have one less thing to worry about when I am alive.
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