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Todays Top Keyword Searches Ravenzlo

Todays Top Keyword Searches Ravenzlo

RavenZLO.com RavenZLO Blog

a
amazon
apple
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aol
aol mail
amazon.com
american airlines
autozone
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Top Keyword Searches for Today – Ravenzlo

Top Keyword Searches for Today – Ravenzlo

RavenZLO.com/ravenlo – blog

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Your most unhappy customers are your greatest source of learning.

Unhappy Customer

 

 

 

Your most unhappy customers are your greatest source of learning.
Bill Gates

 

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Will power: 5 financial things to do, no matter how old – ravenzlo

Will power: 5 financial things to do, no matter how old – Ravenzlo

4 10 LINKEDINCOMMENTMORE

Remember that old saying about only two things being certain in life, death and taxes?

Some people will pay more taxes than others and some will deal with the consequences of evading them.

Death, however, does not discriminate and there’s no getting away from it.

And still, many people refuse to think about it.

While a record number of Americans, including young people, have living wills explaining their wishes for end-of-life matters, that’s not the case for wills. A 2012 survey by legal website Rocketlaw.com found about 41% of baby boomers don’t have a will. The numbers are even more stark for younger generations.

Often, that refusal to face what lies ahead leads to unneeded trauma and expense for the entire family.

Attorney Steven Allender of Allender & Allender and his father, Jerry, see situations related to the lack of a will, or health care directive, regularly in their elder law work.

Here are five things he says anyone, of any age, should take some time to think about:

1. Durable power of attorney for financial matters

Allender considers this the No. 1 must-have, whether you’re 18 or 100.

You and your spouse are both on the deed to your home, but one of you becomes incapacitated or incompetent, whether it’s dementia or an accident.

But to sell that home to pay the bills, both parties must sign to convey the deed to the buyer.

“That’s when you get to come in and talk to me about guardianship and wind up involved in the court system,” Allender said.

“It’s far more economical to get your affairs in order in advance … some people think ‘estate planning’ is only for the wealthy, but it’s for everybody, like someone who is trying to get on Medicaid and needs to move their assets around. We call it ‘planning for tomorrow.’ And planning is important — 100 percent of us are going to die.”

2. Wills

You have property, savings and valuable artwork. Or you have no money put away, but own a trove of family treasures with sentimental value.

Say you and your spouse own a home but don’t have children or grandchildren — or a will.

If you die at the same time in a car crash, someone will be deemed to have died last.

And without a will, “the law dictates what happens from there,” Allender said.

For instance, in Florida, when a person dies “intestate” — without a will — the law demands what’s called “looking down.” That means when dispersing assets, they’d look for children or grandchildren first. If there are none, they’d “go up,” to the parents of the person who died last, and on from there to other family members.

“The law may not divide your property the way you want,” Allender said.

“That’s why it’s very important that you at least have a last will and testament.”

3. Advance directives, also known as living wills

“It gives you the ability to say, ‘If I become incapacitated or incompetent, this is where I show who I want to have authority to make medical decisions for me,'” he said.

Many times, he said, husbands and wives “have this assumption that because you’re married, you have the authority to make decisions for each other, whether it’s financial or health care,” he said.

“That’s not the case.”

Medical power of attorney allows a person to name a spouse or another trusted individual to make medical decisions on their behalf.

Often, Allender said, parents will designate all of their children to make those decisions.

Allender’s preference is to name just one person, to avoid potential differences of opinion that can lead to a court fight.

He likens it to the old concept of having too many chefs in the kitchen.

“Select the person you feel will have the ability to make the decisions that need to be made — not simply the oldest child,” Allender said.

Think of the famous case of Terri Schiavo of Florida. She lay in a persistent vegetative state as her husband and parents fought for 15 years over whether to take her off life support.

Consider the ugly fight between the second wife and the children of radio personality Casey Kasem, who died earlier this year.

And then, get your wishes in writing.

4. Make sure you’ve provided for minor children — and for beloved pets

Allender and his wife have legal documents in place that state, No. 1, the people they want to have care, custody and control of their children.

“We’ve established that if Mommy and Daddy die while the children are still minors, they don’t inherit all of our money,” he said.

“We dictate the terms and conditions — we call that controlling from the grave, holding the money in trust.”

Pets can be provided for, too, with specified amounts going to a person or organization who’ll be caring for your “anipals.”

5. Specify your choices for your burial or cremation

Pay in advance if you can, Allender said.

“There’s nothing better than getting something for today’s value vs. tomorrow’s prices,” he said.

Then, when you’ve done all those things, be sure to let those you leave behind know what you had and where it is.

“A list of your assets, where you bank, who to contact — that’s a real gift to your children or beneficiaries,” Allender said.

“I can’t tell you how many times we’ve heard, ‘What did my mom, or dad, own?’ We don’t always have the foggiest of clues.”

And don’t hide the list, or your will, in an impossible-to-find place.

The Allender firm suggests putting vital information in a zippered plastic bag and then, in the refrigerator or freezer.

That way, it’s insulated from fire and water. Plus, “documents don’t get freezer burn,” Allender said.

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Top Keyword Searches for Today – Ravenzlo

Top Keyword Searches for Today – Ravenzlo

RavenZLO.com/RavenZLO – Blog

 

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