Monday, September 1, 2008
Maggie Mae's Widows4Widows Group
According to the definition of widowhood, it is a state of being when a woman has lost her husband through death and has not remarried.
I grew up with widowhood. My grandmother, who I understand as I grow older was the woman who most influenced my life, was a widow.
My mother was three when her father died so she has no memory of him nor has she any stories to tell about him or a relationship with him. She has many stories to tell about my grandmother, however. How during the depression, my grandmother needed money so she baked donuts and pies and my mother went door to door with a basket and sold them. My grandmother was a very strong, intelligent, independent and resourceful woman.
So, to me, widowhood never depicted a weak, weeping, or dependent woman. Although, I am sure, there were moments of grief, self-pity, and sadness in her life, I never saw them.
She was a tough Norwegian emigrant, learned to speak English with a very slight accent, and could do math in her head which always amazed me.
Our Widow 2 Widow group, which meets every third Tuesday of each month, is a group of women who are varied in their life skills and especially with their coping skills from the loss of their husbands. Some are older, some a little younger and some are in the middle. Some are tall, some short, some gray haired and some not. They are the same kind of women you meet at church, golfing, at the library, or the mall. But the thing they have in common is the loss of their husband. Some are further along the coping path than others but they come to help each other and at the same time learn a couple of things for themselves.
Last month each woman brought a picture of their husband and told stories about him. There probably are not many places in the world that a woman could do this except at our meetings. Some women were chocked up when they told their stories and many rejoiced and laughed in the story telling. Some people would think that this is morbid or odd but these women live with their husbands every day... as they reach into the cupboard for his favorite coffee and make a pot for two instead of one out of pure habit. Sleeping alone in the same bed where they slept for years together. Watching his favorite television program because that’s what they did every Tuesday night. Buying a new dress in his favorite color and not even noticing until it’s hung it in the closet. Hearing a new joke and thinking that I have to remember this, he’ll love it, and then remembering he is no longer around.
At the same time, these women - these widows are strong, intelligent, and learning to be more and more independent every day. For some it is harder than others. But encouragement from the other women in the group is a life line and as these women get to know each other outside the group they help each other get through the rough patches whatever the time of day.
Some of the women have been widows for less than a year and others have been widowed for several years. Some are younger and some a bit older. But they help each other through the telling of their experiences. And, often, just being a good listener.
One woman shared, “I’m a widow... and a divorcee. Shortly after I was widowed I remarried. I thought he was going to be like my first husband. The definition of husband had my first husband in it. It was a miserable time for us both. We finally agreed to divorce after a short marriage. My advice is to take time before making that serious a decision.”
One of our members (although there is no real membership requirements except that you are a widow) had a long relationship with a man and when he knew he was going to die decided that they should marry so that he could provide for her after his death. However, when he died, his adult children challenged the provision and she has been tied up in court spending the money he left her to live on by retaining attorneys.
Another woman had had no time for grieving. The group gently guided her to some counseling and are holding her accountable for going to her session every week.
Much can happen in a group where you can be who you are by telling your life story - even stories about a husband who is no longer here; grieve in your own time - take as long as you want and cry whenever you want - even in the middle of a meeting; and be held accountable for what you say you are going to do.
If you are a widow and would like to join our group, please come. There are no membership dues, there are no requirements, and there are no membership roles to commit to. You can also visit our website www.maggiezine.net and click on Widows4 Widows for some past articles and resource information.
Sunday, June 22, 2008
The Widow and the Ostrich
THE WIDOW AND THE OSTRICH
~Ann Whitlock
Statistics indicate that I will likely become a widow someday. More than 75% of women are eventually widowed, so the odds are quite high. Wives usually live 8-10 years longer than their husband. Ideally, the high likelihood of becoming a widow should prompt some advance planning. Of course each of us should have a will or trust, but a few more essentials are needed to help us carry on.
Like an ostrich, I would rather hide my head in the sand than think about my husband dying before I do. This is something I really don’t want to think about, much less plan for. Dealing with the emotional loss of losing my husband will be tough enough, but times of turmoil are typically not times of clear thinking. Someone needs to be in charge of all the finances and the financial decision-making. Widows who have never written a check can either take on the financial reins or rely on family or friends.
Adding a new task is not necessarily a bad thing. There is great peace of mind on getting a handle on your money. The only skills required are adding and subtracting, and a calculator will take care of that. Naturally, the first task will be listing the monthly and yearly expenses and paying the bills promptly.
Organizing a file, (a notebook, file folder or even a shoe box) will help you stay on top many situations. Essentials that should be included in the file:
1. Names, addresses and phone numbers of your legal professionals, i.e. attorney, accountant, financial planner.
2. Location of wills, trusts, durable powers of attorney, living wills, etc.
3. Financial assets and obligations:
A. Assets include savings accounts, investment accounts, CD’s, life insurance policies, pensions and retirement plans. List the account numbers, phone numbers and addresses for each.
A. Assets include savings accounts, investment accounts, CD’s, life insurance policies, pensions and retirement plans. List the account numbers, phone numbers and addresses for each.
B. Other assets include real property including houses, cars, boats, etc. Note the location of deeds and other ownership documents.
C. Obligations include mortgages, credit card debts, loans, etc. Again, list the account numbers, phone numbers and addresses.
Compiling this file won’t be difficult. It will probably be more difficult convincing yourself that it should be done. When it is completed, let a son, daughter or other loved one know where it is. Your file will then be a salvation for anyone who needs to carry on for you. That person will thank you greatly and may go home and create a file of his own!
Forms may help to sort out or organize such as Basic Budgeting Worksheet or Spending Plan, a Net Worth Worksheet, a Property Inventory Worksheet and are available by emailing irwhitty@cfl.rr.com or 352.536.9783
Compiling this file won’t be difficult. It will probably be more difficult convincing yourself that it should be done. When it is completed, let a son, daughter or other loved one know where it is. Your file will then be a salvation for anyone who needs to carry on for you. That person will thank you greatly and may go home and create a file of his own!
Forms may help to sort out or organize such as Basic Budgeting Worksheet or Spending Plan, a Net Worth Worksheet, a Property Inventory Worksheet and are available by emailing irwhitty@cfl.rr.com or 352.536.9783
A common recommendation for widows about many issues is: don’t make any major moves right away. Parking your investment money in CD’s is a safe solution until you are more comfortable making decisions. Don’t allow yourself to be pressured to make any long-term investment until you have sorted out your entire financial situation.
Take your time obtaining financial advice and get information from lots of sources. The library has lots of books and magazines on finances. Ask friends for references and interview several financial planners. Interviewing fee-based Certified Financial Planner professionals is usually recommended. After checking references, review how comfortable you are with the planner and how well he/she takes your needs and tolerances into consideration. The right fit for you may not be your friend’s, relative’s, or husband’s pick. This choice is particularly important since it may be a relationship you have for the rest of your life!
~Ann Whitlock
The Mourners Bill of Rights
The Mourners Bill of Rights
Grieving individuals have certain rights that others must not take away from them. In fact, it is the very upholding of these rights that makes healing possible.
1. Mourners have the right to experience their own unique grief. No one else will grieve in exactly the same way. They should not allow others to tell them what they should or should not be feeling.
2. Mourners have the right to talk about their grief. Talking about their grief will help heal. It is important to seek out others who will allow them to talk as much as they need to.
3. Mourners have the right to feel a multitude of emotions. Confusion, disorientation, fear, guilt and relief are just a few of the emotions they might feel. It is important to accept the full range of emotions as part of the grief journey.
4. Mourners have the right to be sensitive to their physical and emotional limits. Their feelings of loss and sadness will probably leave them feeling fatigued. They should respect what their body and mind are telling them. It is important during this time to not let others push them into doing things they don’t feel ready to do.
5. Mourners have the right to experience “grief attacks.” Sometimes, out of nowhere, a powerful surge of grief may come over them. This can be frightening, but it normal. They should find someone who understands and will let them talk it out.
6. Mourners have the right to make use of ritual. The funeral ritual should provide the support of caring people. Later, rituals such as lighting a candle for the person who died, can also be healing.
7. Mourners have the right to embrace their spirituality. If faith is a part of their life, they should feel welcome to express it in ways that seem appropriate to them. They should be able to be around people who understand and support their religious beliefs. If they have the need to feel angry at God, they should be able to find someone to talk with who won’t be critical of their feelings.
8. Mourners have the right to search for meaning. They may find themselves asking, “Why did he or she died? Why this way? Why now?” Some of their questions may have answers, some may not. They don’t deserve cliched responses like, “It was God’s will” or Thin of what you have to be thankful for.”
9. Mourners have the right to treasure their memories. Memories are one of the best legacies that exist after the death of someone loved. They will always remember. Instead of ignoring memories, they must find creative ways to embrace them.
10. Mourners have the right to move toward their grief and heal. Reconciling their grief will not happen quickly. They should remember that grief is a process, not an event. They will need to be patient with themselves. And they should avoid people who are impatient and intolerant with them. Neither they nor those around them should forget that the death of someone loved changes life forever.
From The Mourner’s Bill of Rights by Dr. Alan Wollfelt. Used by Permission.
Grieving individuals have certain rights that others must not take away from them. In fact, it is the very upholding of these rights that makes healing possible.
1. Mourners have the right to experience their own unique grief. No one else will grieve in exactly the same way. They should not allow others to tell them what they should or should not be feeling.
2. Mourners have the right to talk about their grief. Talking about their grief will help heal. It is important to seek out others who will allow them to talk as much as they need to.
3. Mourners have the right to feel a multitude of emotions. Confusion, disorientation, fear, guilt and relief are just a few of the emotions they might feel. It is important to accept the full range of emotions as part of the grief journey.
4. Mourners have the right to be sensitive to their physical and emotional limits. Their feelings of loss and sadness will probably leave them feeling fatigued. They should respect what their body and mind are telling them. It is important during this time to not let others push them into doing things they don’t feel ready to do.
5. Mourners have the right to experience “grief attacks.” Sometimes, out of nowhere, a powerful surge of grief may come over them. This can be frightening, but it normal. They should find someone who understands and will let them talk it out.
6. Mourners have the right to make use of ritual. The funeral ritual should provide the support of caring people. Later, rituals such as lighting a candle for the person who died, can also be healing.
7. Mourners have the right to embrace their spirituality. If faith is a part of their life, they should feel welcome to express it in ways that seem appropriate to them. They should be able to be around people who understand and support their religious beliefs. If they have the need to feel angry at God, they should be able to find someone to talk with who won’t be critical of their feelings.
8. Mourners have the right to search for meaning. They may find themselves asking, “Why did he or she died? Why this way? Why now?” Some of their questions may have answers, some may not. They don’t deserve cliched responses like, “It was God’s will” or Thin of what you have to be thankful for.”
9. Mourners have the right to treasure their memories. Memories are one of the best legacies that exist after the death of someone loved. They will always remember. Instead of ignoring memories, they must find creative ways to embrace them.
10. Mourners have the right to move toward their grief and heal. Reconciling their grief will not happen quickly. They should remember that grief is a process, not an event. They will need to be patient with themselves. And they should avoid people who are impatient and intolerant with them. Neither they nor those around them should forget that the death of someone loved changes life forever.
From The Mourner’s Bill of Rights by Dr. Alan Wollfelt. Used by Permission.
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