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Legal Matters (Short Course)

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A short course of two 2 hour  sessions on Wills, Powers of Attorney and Online Banking offered by retired lawyer John Barry.  

The course will be held on Mondays August 14th from 10 am to 12 midday and Tuesday September 26th from 1.30 to 3.30 pm  in the U3A Meeting Room at the Benalla Senior Citizens Community Centre in Fawckner Drive.  (Please note rescheduling of second session to 26/9)

For more information please contact Margaret Jenkins on 5762 6944. 

Disclaimer:   "I am no longer in legal practice.  I cannot give advice on issues specific to class members.  This is an overview of some issues that Seniors should consider.   John Barry."

Seniors Law 1 'Wills'

A.            Making a will
                Why not?  We all die – no exceptions.  Wills do not cause death. 
                I have dealt with hundreds and hundreds of people making a will.  Not one has                       died as a result of making a will.  
                Why?  A will is our chance to determine what will happen to our assets after we                     die.  It is our WILL.               
               Testamentary Bonds
               
B.           Issues
               Who drafts it?
               Personally drafted. Pros/ Cons
               Drafted by a lawyer. Pros/Cons
               Drafting without the initial cost.
               Joint Assets.                                     
               Storage of wills.
                                               
C.            Thinking about the family
                Part IV of Administration and Probate Act
                Limitations on commencing action
                Limitations on succeeding in an action                   
                Step Children and Natural Children./Ex Wives and Second Wives /
                Common Law Spouses and Relationships/Guardianship
 
D.            Testamentary Trusts
 
E.            Oddities
                Double Deaths/Literary Executors/Presumptions of Death/
                Funeral and disposition of body/Giving your body to Science
 
F.            What Wills cannot do
               Disabled Children
               Towards overcoming these limitations

Seniors Law 2 'Powers of Attorney'
​'Onine banking' 

A             Definitions.         Attorney/Donor/Donee
 
B             Types
                General Power of Attorney        
                Specific Power of Attorney
                Enduring Power of Attorney
                Enduring Power of Attorney (Medical Treatment)           
                Advance Care Plan Directive or Refusal of Treatment Certificate
 
C             Formalities
                Enduring Powers must be in statutory form
                All other powers of attorney must be a deed under seal
                Hospitals will assist in preparation of Advance Care Directives
                Office of the Public Advocate can assist
                Joint and Several
                Alternative Attorney
 
D             Underlying Rules                                             
                Strange Rules                                   
 
3.            Online Banking – The Best Kept Secret
 
A             Who makes the Rules?
               Australia operates a Central Bank Clearing System through the Reserve Bank for                  all online banking
               APRA (Australian Prudential Regulation Authority) sets the online banking rules
 
B             The Rules
 
C             Liability
                Protected and Unshared password - No Liability/
                Uncertain whether or not you have contributed to loss - Maximum Liability $150
                Cute tricks with your password – birthdays, telephone numbers, written down                         backwards – Maximum Liability $Balance of your account
                Sharing your password  - Maximum Liability $Balance of your account
                Delay in notifying financial institution if account compromised - Maximum Liability                 $ Balance of account
 
D             Scammers, Phishers and Spearphishers
                If ordinary care taken – not your problem
                Financial Services Ombudsman is your hero
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Program Guide 2021
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Developed and maintained by members, this website showcases U3A Benalla & District. 
​Photographs - acknowledgment to U3A members; Benalla Art Gallery website;
​Weebly 'Free' images;Travel Victoria and
State Library of Victoria
Photo used under Creative Commons from COD Newsroom