Grant of Probate – What is it?

As some of you may be aware, around a year ago my mother past away. Although we knew it was coming (she had terminal cancer) it was obviously still a real blow when it eventually happened.

Aside from the emotional struggles that came with her passing, there was also an underlining problem that caught us off guard. The financial barriers.

Luckily for us we never really struggled with money, my parents worked hard and had great jobs so we always had it pretty easy as kids. However, when she died we had a problem. My mother had too much money. Sounds crazy eh? That’s what we thought. Here in the UK, if you have over a certain amount of money then you must adhere to a process known as grant of probate.

Grant of probate is a lengthy process and it can be complicated to understand. below I have broken down the process and explained what you can do if you ever come up against it.

What is Probate?

You hear people use the term quote a lot but what is probate exactly? Probate is a term used to be granted the right to deal with a deceased person’s estate – which includes money, property, or possessions. In other words, probate gives you the legality to administer the assets of the deceased.

There are two scenarios that occur whenever a person passes on – either they leave a will or they don’t. A will makes it easier for the family or beneficiaries to deal with the deceased estate through an executor, while the lack thereof involves a lengthier process.

When a Will is Present?

When the deceased person leaves a will, one or more “executors” are typically named, who will be in charge in dealing with the division of the estate to the proper beneficiaries. The “executor” still however, has to apply for a “grant of probate,” which gives him the legal right to carry out the will. The granting of the probate is carried out from a section of the court known as the “probate registry.”

This document confirms the executor/s as the sole administrator of the will, and that he has the legal right to access the deceased person’s funds, sort out finances on his/her behalf, and carry out the contents of the will.

When a Will is Not Present

When the deceased individual did not leave a will, a close family member can apply to the probate registry to act as the administrator of the estate.

This relative must apply for a “grant of letters of administration.” When this grant is approved, then the person becomes the legal administrator of the estate of the deceased.

The term “personal representative” is a general term that refers to the executor or the administrator. The term “grant of representation” generally refers to the “grants of letters of administration” and the “grants of probate.”

When is a Grant Needed?

A grant is needed when the deceased leaves the following estate:

  • Money worth 10,000 Pounds or more;
  • Stocks or Shares;
  • Property or Land held in his or her name
  • Insurance Policies

The bank, company, or relevant institution that contains the deceased assets will need the grant and the deceased death certificate before they are able to transfer the control of the money, stocks, property, or insurance.

When assets are small, insurance companies or building societies may be able to release the money to the executor or family member at their own discretion. These companies may have differing terms and conditions in terms of claims.

When is a Grant Not Needed?

There are certain cases when a grant may not be needed to handle the estate of the deceased. A grant is not necessary when the deceased leaves the following:

  • Money worth below 10,000 Pounds;
  • Property or bank accounts that are owned jointly by a partner. In this case, everything passes automatically to the joint owner of the account or property.

An executor would still need to write the concerned institutions informing them of the death and including a photocopy of the death certificate in the letter.

Important Note:

According the Probate Help The personal representative or executor will not be granted probate, however, when there are still withstanding probate and inheritance tax payments that need to be fulfilled.


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Alcohol and Depression…My life

Asside from my obvious love of all things literary and art, I have also endured a far less favourable obsession throughout my life. My addiction to alcohol.

I very rarely speak of my love/hate relationship with alcohol but in this post I explain how my addiction has affected my life and more importantly depression.

There is much debate whether or not alcohol causes depression, or if depression causes alcoholism. Whatever the discussion may be, there is one thing most scientists and researchers agree upon – and that’s the connection between the use of alcohol and depression.

I recently read a post which explains this much better than I can could. In the post Andy from alcoholism solutions describes how the combination of zoloft and alcohol could infact be a very dangerous due.

It can go both ways: people who are depressed drink alcohol to feel better, and people who drink too much will eventually feel terrible about themselves.

Alcohol, in and of itself, is a depressant. People drink to celebrate, to socialise, and some, to feel better after a long day’s work or to relieve stress and anxiety. It has the ability to make people feel relaxed, more confident, and it generally lifts their mood. However, when too much is consumed, that’s where the problems begin.

Though drinking alcohol initially will calm you down, it will get to the point that it interferes with your hormones and neurotransmitters that you begin to act beyond the norm. You are more impulsive, aggressive, and even violent due to alcohol’s ability to reduce inhibition.

When this happens, you are more impulsive and more inclined to make rash decisions. This includes draining out your bank account to buy something ridiculously expensive, confronting your boss, or even engaging in random, casual sex. These behaviors can lead you to feel down, and eventually, depressed.

And what’s worse, is when you have a predisposition to depression, it heightens your risk of developing this mood disorder. Alcohol per se does not cause depression but it enhances your feelings of sadness, and increases your susceptibility to an inherent condition that could be avoided.

Alcohol and Depression: Its Effects on Your Family and Friends

The very first people who are affected when you develop depression through the use of alcohol are your family and friends. A shift in your behavior can include: lashing out on people for no apparent reason, being more aggressive in terms of your sexuality, making bad decisions, and basically a complete change in your lifestyle.

When alcohol disrupts your daily routine such as going to work and getting along with your family and friends, then alcohol is taking over your life.

Drinking more and more in the hopes of alcohol relieving your feelings of sadness can lead to you to become frustrated as you soon develop a tolerance for alcohol’s initial effects of relaxation. When it doesn’t make you feel better anymore, you tend to drink more and more – leading to more feelings of doom and starting the vicious cycle of depression and alcoholism.

The Warning Signs

If you or someone you know displays the following warning signs, then you or your loved on is at risk for alcohol-related depression:

>drinking to cope with menial everyday problems>drinking early in the morning everyday for at least a month

>alcohol is causing you or the person you know to be angry and violent>you or someone you know hides the amount you/he/she drinks from family and friends

>you stop doing your hobbies and passions so you can make time to drink>you feel anxious and shaky the morning after you drink>you need to have a drink or two to be able to get out of bed, go to work, school, or do just about anything

If you or anyone you know shows any of these signs, then you or that person is showing signs of alcohol-related depression. When feelings of sadness and gloom are accompanied by alcohol, your condition is heightened and a terrible cycle is started.

Realising you or your loved one has a problem is the very first step. Seek help immediately before it’s too late.

For more information please read andy’s post he inspired this post and gave me the courage to write about my illness.…

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Book Reviews and Young Adult Fiction

We live in an informative world and people want their information FAST!

No matter what you’re buying or researching it’s more important than ever before to do your research.

This is exactly the same when purchasing books. I can’t remember the last time I bought a book without doing some research first. With the sheer amount of reviews available online there’s absolutely no excuse for making a bad book buying decision.

This is especially true for Young Adult fiction books. I know first hand that buying a book for a child isn’t a simple task. You’re worried about the language, sex and violence not to mention whether or not it’s even a good book worth reading.

I recently came across a book reviewer on YouTube who gave an incredibly helpful review of a new Young Adult fiction book. Lyndsay Cambridge’s Finding Audrey Book Review breaks down each element of the book including a summary of the Sex. violence and language which makes my buying decision time very short. Check out the video below.

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First Person Narrative vs Third Person Narrative

When I started writing, I naturally veered towards first person narrative. This was before I did any research into the benefits/drawbacks of different POVs – silly I know! So, having become incredibly frustrated with the fact that my protagonist kept having to stumble across the stuff that was happening outside of her little world – usually by using the good ol’ glass to the door cliche – I decided to do a little digging.

Admittedly, the table below is not made by an expert, although I do think my colour choices are exceptional, :) but I still hope that it will help you.

Pros and cons of first person and third person narrative

For those of you who don’t know…

First-person POV: 

Writing from inside your guy’s head using the pronoun I. 

“I ate a mountain of yummy cheese on toast, and sat in my pjs all day.” – Totally not a true story :D

Third-person limited POV:

Third person limited allows you to see the story through one character’s eyes and also describe things going on outside. Uses pronouns he, she , it, they etc.

“Lyndsay ate a mountain of  yummy cheese on toast, and sat in her pjs all day.” – Lies, all lies I tell you! 

Third-person omniscient POV

Third-person omniscient allows you to write about events and experiences that occur away from your main character, including other character’s points of view.


“Lyndsay ate a mountain of yummy cheese on toast, and sat in her pjs all day. Just as she had finished her last bite, Sarah, Lyndsay’s roommate, threw open the fridge in the hopes there was some cheese left for her. There was not, and disappointment engulfed her, damn cheese-eating fiend! Sarah thought.

Hopefully you get the picture! As I said, I’m no expert, so if you spot something I’ve missed just drop me a comment in the box below!…

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