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@cliveo
Something very distressing happened this morning to remind me of the importance of having a valid and up-to-date Will. However young you are and however immortal you might feel, the absence of a Will, in the event of your untimely death, will add greatly to the burden of your family.
Please, please, think about sorting out a Will and think about doing it soon.
Although important for everyone, if you have moved here from abroad, this issue is even more accute.