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Why is it important to make a will and how much does it cost?

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Pourquoi est-il important de faire un testament et combien cela coûte-t-il final

Who has not heard of these brothers and sisters who are torn apart after the death of their parents? Or a friend who ended up inheriting from a distant uncle. Inheritances, wills, notaries… Your ruthless universe! In fact, many received ideas circulate on this subject, but do not rely on them. Making a will is easy and inexpensive. Here are some elements that will surely change your mind, especially if you want everything to go well.

Writing a will is a procedure that can be scary for many people. Here is everything you need to know about it.

Why is it important to make a will?

Preparing for the legacy of your life

With the death of a person, the question about the transfer of his property instantly arises. In this type of situation, it is customary to refer to the will. This document defines who inherits what. To this end, the law has long guaranteed equality between all beneficiaries: no birthright. The testament is an act by which a person makes public his last will and, in particular, everything related to the distribution of assets. Organizing this transmission is also rendering a last service to his heirs. Caught in the spiral of mourning, they will not have to worry about succession rules or resort to legal procedures to assert their rights..

attend a funeral

Attend a funeral. source: spm

Who can inherit in this case?

Anyone you designate. However, the rule is that in all inheritance rights, a part called hereditary reserve, goes directly to the heirs: the descendants (children, grandchildren and their descendants) as well as the surviving spouse. Thus, if the deceased has only one child, he will benefit from half of the inheritance, for two children the hereditary reserve will amount to 2/3, and for three or more children it will amount to 3/4. . In addition, and when the deceased leaves only one surviving spouse, without children, this becomes mandatory and can collect 1/4 of the inheritance. In addition to the hereditary reserve, he can freely transfer his patrimony to whoever he wishes, person or association.

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The will: two ways of proceeding

The first – a simple text written by your hand, which is commonly called “holographic”. It must clearly include the identity, date and signature of its author.. It’s very simple. It can be modified at any time. Of course, you must respect the principle of hereditary reserve. However, it is necessary to indicate its presence to prevent it from being altered or destroyed. Finally, know that it is quite possible to dispute its veracity.

The second, the “authentic” will. It is an act carried out before a notary and two witnesses or even two notaries. These can help when writing it. Please note that the document is signed in the presence of witnesses and is kept in the notary’s office.

write a will

Write a will. source: spm

What happens to property when a person dies?

There are two classes of property: real estate and personal property, both can be transferred. Therefore, you must carry out an appraisal of all your assets, either by yourself or with the help of a notary. In any case, this is only an estimate. Only the balance established by the notary will count after death. However, pets are personal property in the same way as jewelry or trinkets. You can pass them on to one of your forced heirs or to a third party.

What about the debts?

An inheritance can also include debts. The informed heirs of the deceased must pay it. In any case, know that if the part of the debts is substantial, then it is possible to give up the inheritance. To do this, the process is simple: the heir only has to register a written and duly informed declaration in the registry of the Court of First Instance of the last domicile of the deceased. This process is free.

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The cost of a will

The costs are not free and respect a regulated rate. For a holographic will deposited before a notary, it will cost you 52.82 euros excluding VAT, including opening and description costs, as well as those related to custody before death. For an authentic will, its cost will be €113.19 without VAT, which corresponds to the drafting costs.

As you can see, writing a will is still within everyone’s reach. Now in possession of the most important information, you may decide to take the plunge.


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What happens if a card is held at an ATM?

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Ce que vous ne devez jamais faire si le guichet automatique garde votre carte final

Nothing is more common than withdrawing money from an ATM. Except here, for various reasons, the dealer can at any time decide to swallow your bank card. This is a very upsetting situation that can happen to all of us. We immediately feel helpless and powerless. Above all, do not panic, it is possible to withdraw your card and continue with your banking transactions. It is still necessary to know how to handle the situation well to get out of the impasse. These are the mistakes you should not make and the guidelines to follow to recover your blocked card.

ATM

ATM – Source: spm

What to do if your card is swallowed by an ATM?

When you are a victim of this type of incident, you must immediately notify the bank in question if it occurs during the weekday. Failing that, the counter itself provides you with a telephone number to contact in this type of situation. The bank may ask you to immediately block your card using your online banking account. Also, as a security measure, it would be good to follow the movements of your card during the following hours. Many criminals often use ATMs to commit robberies.

Generally speaking, banks insist that you don’t leave the ATM immediately after your card gets stuck inside. Sometimes it’s just a glitch and you may end up getting kicked out seconds later. It could also be the malicious work of a thief, in which case, if you leave, he’ll have plenty of time to retrieve it without your knowledge. This is why you need to be very attentive and carefully observe the bill extraction slot to notice the slightest shadowy or suspicious detail. Finally, never trust strangers who come to you unexpectedly to offer their help.

Also read: Lost keys? No problem: the bottle method to open the door in 30 seconds

Why does the ATM swallow my card?

The most common reasons an ATM holds your card are:

  • You entered your PIN incorrectly more than 3 times.
  • The card has been reported as lost or stolen.
  • The card has been blocked if the withdrawal limit has been exceeded.
  • There is a technical problem with the vending machine.
  • The expiration date of your card has passed.
  • You were distracted and did not have time to pick up the map when the operation ended after 30 seconds.

After how long does the DAB swallow your card?

As a security measure, the card may be “swallowed” by the ATM after 20 to 30 seconds. As we have just mentioned above, if after several attempts you enter an incorrect PIN code, the meter ends up capturing the card. In the same way, if the regulatory time elapses without any operation, the card will be blocked inside. Of course, before that happens, the counter starts beeping warningly. If necessary, the screen also notifies you to carry out your operation or withdraw your card quickly. And if the meter has detected a possible expiration, it will automatically keep it. In this case, you will not be able to recover it, you will have to ask for a new one.

What should be done in this case?

After a few minutes, if you see that the machine flatly refuses to give your card back, it’s time to start taking notes. When making a claim, as much information as possible will be useful: keep a record of the time your card was swallowed, the address of the ATM, the type of distributor, its specific logo, which bank it belongs to, its reference numbers etc Then file a complaint by phone and go to your bank, the latter will surely need all the information collected to carry out its investigation and then give you a new card.

Also read: Missing money from your bank account? What you have to do immediately

Withdrawal at the window without a card

Withdrawal at an ATM without a card – Source: spm

Today, more and more banks have modernized and digitized. It is now possible to withdraw money from ATMs without even using a physical card. Simply use your bank’s application from your Smartphone and enter the code that is sent to you to carry out the operation. This may seem convenient to some, but others are still not used to it and still prefer the old debit or credit card method of withdrawing money.

Also read: If your credit card code is on this list, it is better to change it, you run a risk

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How to prevent bed bugs in the hotel

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Pourquoi doit-on déposer les valises dans la baignoire lorsque nous entrons dans une chambre d’hôtel final

Summer or winter, when we plan to travel, the choice of the hotel is essential. It is also important to be attentive to the reviews on the sites so as not to get unpleasant surprises. Because sometimes, if you’re not very meticulous, your stay can turn into a nightmare. In addition, once you have arrived at your destination, even before settling comfortably in the room, you must make sure that it is in a perfect state of hygiene and maintenance. After checking in at the front desk, here’s what to check for your peace of mind.

On the Tik Tok social network, a subject matter expert makes revelations and warns you of a bigger problem. Follow their advice to protect your health.

a hotel room

A hotel room – Source: spm

What is the first thing to do before packing at the hotel?

On Tik Tok, a hotel employee warns tourists about a serious hygiene problem in the rooms: bedbugs. Because, it must be said, when traveling, most people are convinced that hotel establishments are faultless in this area. Obviously, we are not going to put them all in the same basket, but vigilance must always be required, regardless of the number of stars that are displayed on the façade. Beware of sometimes deceptive appearances: at first glance, you always get the impression that the rooms shine for their cleanliness, their elegant decoration and their scented bedding. However, when you take a closer look, not everything is as flawless as it seems. As proof, this young woman even posted a video to alert her subscribers. After the unfortunate experience of a couple who were covered in scars after being bitten by bedbugs, the employee insisted on giving some advice to travelers so that they could verify for themselves the presence of these unwanted guests in their rooms.

Also read: The 1 euro trick to keep mice away from home: it is radical

The TikTok user explained that it was important to look under the folds and in every corner of the bed, taking care to lift the mattress. ” This is how I check the bed before unpacking my things and settling into the bedroom. First of all, in order to track these pests, you need to make sure that the room is dark. Turn off the lights, close the blinds, and use your cell phone flashlight. From there, you can check the blankets and all the bedding. Remember to take a good look under the mattress and any creases, as these are the places where bed bugs usually hide.. she explains. The employee went on to warn: “ Even if you don’t see bed bugs, be sure to look for suspicious spots, such as blood stains. »

A bed bug infested mattress

A bed bug infested mattress – Source: spm

Take a close look at your hotel room bed!

Another important tip: never leave your luggage on the bed. If you used to unpack them there, without even taking the time to check the bedding, you risk taking those critters with you and taking them home. Because they can easily sneak into your suitcases. Therefore, it is preferable to use the luggage rack dedicated to them or leave them near the bedroom door while they are still in the bathtub. Furthermore, some experts even recommend that travelers immediately wash all their clothes upon returning from vacation, to cover any eventualities. The tik-toker also advises checking the presence of these insects on ironing boards and curtains. You should know that bed bugs are nocturnal: they wait for dark to come out of hiding and go in search of their prey. In this case, these bloodsuckers are especially attracted to your skin. As a reminder, bed bug bites reveal themselves as red plaques, in a line or in groups. Sometimes they are very irritating and cause unpleasant itching. Some people may have an allergic reaction to the bites.

Also read: Put nails in the bathroom and say goodbye to this annoying problem

How to recognize them? They are dark yellow, red or brown in color and are usually only 5 mm long, while the eggs are usually white. If you can’t track them with the naked eye, try looking for red or rust stains on the mattress. Like these undesirables, you can still see the presence of beetles, they are beetles very similar to bedbugs, which like to hide in carpets or under the corners of furniture. Bed bugs also tend to hide in the seams of furniture, including chairs and sofas. So be very vigilant. And of course, if you have detected any indication of their presence, you must immediately notify the hotel staff. These insects tend to multiply quickly and only a thorough cleaning at 45°C will eradicate them.

Also read: The trick to detect bed bugs in a hotel room: the place where they love to hide

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The best Android secret codes to discover hidden features

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Qu’arrive t’il lorsque vous tapez le 9090 sur votre mobile001

Have you ever heard of android secret codes? Many people don’t know how to access hidden features on their smartphones. If you are wondering how to use them and why to use them, have no fear, we have the answer! We put you in the mood!

Didn’t you know that Android hid secret functions? Well it is! With these secret codes you can access hidden options and get information about your device. In this article, we take stock of the best secret codes to unlock hidden features and enjoy flawless use of your smartphone. We explain everything!

What are these secret codes for Android phones?

In the form of special codes, these little wonders are secret codes that contain special characters that allow you to access a hidden menu and advanced features reserved especially for manufacturers and not users. It’s great, isn’t it? You can use it to view technical information, activate features, and even run diagnostics on your phone. One thing is for sure, we will have to start!

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Android smartphone interface

Android smartphone interface. source: spm

These secret codes, also called USSD (Unstructured Supplementary Service Data) codes, are special codes that you can enter on your Android smartphone to access many hidden features. Now that you know what these codes are for, it’s time for the famous question: how to use them? Nothing is easier! All you have to do is open your “phone” app, in which you make your phone calls, then type the code in the same way you dial phone numbers. And now, the execution is carried out calmly! If nothing is displayed, it means that this code does not work on your device.

Discover the hidden functions of some secret codes on your Android phone

As you will have understood, these secret codes allow you to enjoy certain hidden features that are generally not reserved for users. And since we have confessed, we reveal everything to you! Here is a list of secret codes along with their functionality. Don’t hesitate, it’s time to try them!

android smartphone

android smartphone. source: spm

What is the hidden function behind the code *#9090#?

The code *#9090# allows access to a hidden function of the Android operating system. By typing it into your phone app, you enter your smartphone’s settings diagnostic. In this way, you will be able to model complicated system parameters that are not intended for casual users. Attention ! Don’t play with these settings without knowing what you are modifying. You risk damaging your phone. You have been warned!

How to use *#9900?

*#9900#, the magic code to free up space on your Android phone. You don’t need to know much to use it! To try it, follow the guide:

  1. In the app on your phone, type the code.
  2. Press the call key.
  3. A menu appears, choose “remove dumpstate/logcat”.

Not more complicated than that.

What is code ## 002?

Secret code 002 on Android allows you to disable all call forwarding on your device. And what is call forwarding? Very simple ! Also called call transfer, a telephone management option that allows you to transfer incoming calls to another mobile.

Write the code #*06# to get the IMEI

The code #*06# is used to get the IMEI. Composed of 16 or 17 digits, the IMEI identifies your mobile phone. By typing the above code on your phone keypad, you will be able to retrieve it. Simple, fast and effective, right?

What is the code *#*#7780# used for?# ?

The code *#*#7780## allows you to perform a hard reset. It is used to restore the factory settings of the device and to restore the software to its original state of the system.

What is the secret code *#0011# used for?

The passcode *#0011# is a code that allows users to access an advanced menu on their Android devices that shows them all the basic GSM information of the phone.

Also read: Your phone is charging slowly due to these 4 common errors

Insert the code * * 4636 * * to get information about the Wi-Fi signal

Do you want information about the Wi-Fi signal on your Android device? We have the code you need! Enter the code * * 4636 * * in the application on your phone. You can access detailed information about your Wi-Fi signal and network connection.

These codes are special command patterns to access certain hidden uses. To optimize your user experience, apply them on your Android smartphones and enjoy an information menu with various awesome features that can come in handy when needed.

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