Even Young Professionals Need an Estate Plan


By Sabrina Winters, Charlotte, North Carolina estate planning attorney

As a North Carolina estate planning attorney, I know young professionals have a lot to think about…starting their careers, buying their first home, starting a family. All of these accomplishments are just the beginning of many bigger life events to come. So it is a rare day when someone in this generation wants to think about The End. But there are 4 reasons that they might need to…

Youth is often used as an excuse for putting off doing a will or trust. The thing is, that estate planning is not just about planning for your death; it also includes planning for yourself personally in the event you experience an incapacitating injury and are unable to make your own financial or medical decisions. While the odds are certainly in your favor that you will not need an estate plan (we are all invincible when we are young!), you should still consider these four scenarios…

 1. You need a plan in the event that you become disabled or incapacitated.

Unfortunately tragedies happen every day, many of which are out of our control. And you are not immune to them because you are young. Just turning on the local news will be evidence of that. If something happens to you and you are no longer able to make decisions regarding your own financial, legal, and medical affairs you will need to make sure that there are basic documents in place (such as a medical directive, power of attorney and HIPAA authorization) so someone can make life decisions for you.

2.  You need to pass your assets.

You might be asking, “What assets?” Even if you do not yet own your own home, you need to consider IRAs, retirement accounts and life insurance policies offered through your employer. You need to make sure that beneficiaries are named in the right way so that the people you want to leave them to get maximum benefit.

 3. You need to name guardians for your kids.

If you have children, you simply must name guardians. You should be the one who decides who will raise them if you are no longer around. You do not want this decision left to squabbling relatives or to a court system that doesn’t know you, your child or your family dynamic. You might be thinking that everyone in your family loves your children, that there

won’t be any problems. If they all love your children, they will all probably want to raise them, right? If they all want the same thing, this will have the potential of becoming a battle…do you want your children to be put through that after having lost their parents?

4. You need to plan for your pets.

If you have a pet, chances are they are a big part of your life. They are totally devoted to you and also totally dependent on you. Have you stopped to think what might happen to them if something were to happen to you? If you want to make sure your companion is cared for if the unexpected happens, you could choose to put together a plan for their continued care. The plan may include directions about feeding, medical care and other needs along with funds necessary to provide for your pet’s support and to compensate the caretaker. 

The scenarios above are just a few to consider when educating yourself on the importance of having a will or trust. I encourage you to talk with a Charlotte, North Carolina wills and trusts lawyer. Only then will you have the peace of mind of knowing that you are fully protected.

I am a Charlotte North Carolina Wills and Trusts attorney. We assist clients with Wills, Trusts, Tax Planning, Probate, and all other areas of Estate Planning.

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Protect Your Rights With Help From An Attorney

It is very likely that you are going to need a lawyer during some moment of your life. How, then, should you choose the right person for your needs? What should you expect once you choose a lawyer? In this article, we will give you information that will assist you in finding a good lawyer.

Lawyers that specialize in their fields are not cheap, but they may save you a lot of agony in the long run. It is always a good idea to do your research before you hire a lawyer to find one that you can afford.

You need to get a good lawyer immediately if you have been accused of a major crime. Be certain that you never attempt to handle the matter on your own, as this is very dangerous. From experience, attorneys know the best way to handle your situation.

TIP! While it may seem like hiring a lawyer that’s a specialist can be a waste of your money, it may not be after all is said and done. You’ll find that a regular lawyer will take more time than a specialist which costs you more in the long run.

Before beginning your research, seek the advice of the people you know. There could easily be a reputable and fair attorney that has helped one of your friends or family members in the past. This may be the best way to retain the right attorney, and it could save you a lot of time.

Ask business associates for a business attorney referral. Those companies who provide services to top legal players may help you find some good lawyers to consider. If you need a lawyer for your small business, talk to other small business owners who have run into the same issues. They will surely be able to tell you about a good lawyer.

Use only lawyers you feel are trustworthy. This is even more important if you’re dealing with business issues. Many of these lawyers ask for a retainer fee or a blank check; therefore, it is important to trust your attorney. The fate of your finances are literally in your lawyer’s hands in these cases. Try to keep yourself protected as much as possible.

You must let your lawyer know your communication expectations. Often an attorney will not contact their client for a long time after being hired. Make sure you establish a schedule soon so that you can prevent these sorts of problems.

TIP! If you don’t feel comfortable with a particular lawyer, keep looking for a better option. You also need to be comfortable with the fees they are charging you.

When choosing a lawyer, thoroughly research them. Check with your local bar association, and read online reviews of lawyers. These can help you decide whether or not a particular lawyer is someone you can trust. That brings a positive outcome.

You will be well-prepared if you know what to find in a good lawyer and if you understand what the attorney-client relationship can give you. You may feel overwhelmed with your legal issues. Hopefully after reading this article you can now choose a lawyer with confidence.

Heart Disease among the Elderly


Coronary heart disease is one of the most common causes of elderly death. It is understandable that when a person ages, the cardiovascular system go through changes as well. These expected changes can affect the general health of the elder people. There are several risk factors why elderly can develop the disease as they age. Lifestyle also plays an important role why they develop this fatal disease. 

Causes and risk factors 

Older people are prone to sickness because of their age and reduced immunity to fight disease. It is the reason why they are at high risk of developing heart disease as they age. When a person ages, changes in physical, mental, psychological and emotional aspects are inevitable. The risk factors for younger people to develop cardiovascular disease are the same with that of the elderly. Among the common risk factors include tobacco use, hypertension, hyperlipidemia, diabetes mellitus, physical inactivity, menopause, psychosocial stress, obesity, sleep apnea, family history among others. If one has an existing condition mentioned, the higher the chances of developing cardiovascular disease later in life. Gender is another factor and men are more at risk than women in suffering the disease. 

Symptoms and manifestations 

Symptoms and manifestations of the heart disease among elderly involve other signs of different ailments. Acute symptoms include lethargy and confusion. Being activity intolerant is also common. Older peoples tend to feel restless and overall fatigue which can also result in losing weight. The elderly will also experience difficulty in breathing or symptoms of stroke. Older people are also prone to silent heart attack which is common. There are unrecognized heart attacks that can be experienced by older people aging between 75 to 84 years old. Other common manifestations of cardiovascular disease include palpitation, breathlessness and giddiness. If symptoms become worse, it is recommended that you seek immediate medical attention in order not to put your life in jeopardy. 

Prevention and management


Lifestyle of the elderly plays an important role in order to prevent or manage heart disease. When a person gets old it is expected the lifestyle become sedentary. This result in a greater risk of developing the disease and because of old age, the immune system deteriorates making the condition more complicated. And one thing that would reverse this is for older people to engage in physical exercise which improves the cardiovascular system and lessen the risk of heart disease. 

It is important that you know how to manage the risk factors so that you will not put your heart to further risk. Engage in an exercise program suitable for your age and condition. You can also join yoga classes as a holistic approach in maintaining good health. If you already have this heart condition, you need to regularly take your medication and seek doctor’s advice on how to effectively manage the disease. You need to look after your diet and as much as possible eat healthy foods which are good for the heart. Make a deliberate effort to quit your unhealthy habits like smoking and drinking alcohol if you want to take care of your heart.

Learn more about heart diseases at http://www.cme-internalmedicine.com/

Seek Bankruptcy Advice Early

San Jose bankruptcy lawyers are doing everything that they can in order to ensure a smooth bankruptcy process for their clients. If you seek the advice of these San Jose bankruptcy lawyers when it comes to the preparation phase then the subsequent weeks and months are likely to run more smoothly and your entire bankruptcy claim could potentially be discharged in only a few months time. One of the things that most San Jose bankruptcy lawyers will require is that their clients gather mounds of paperwork. This will be pertinent in evaluating the true nature and status of the financial situation. This paperwork can include, but is certainly not limited to, a recent copy of your credit report, copies of your credit card statements or other creditor information, bank statements, and a few years of your previous tax return documentation. All of this information, if not readily available, can take time to request and receive. You will want to be cognizant of any deadlines or timeframes that are applicable to you.

Once you have actually paid the retainer fee for you attorney, then you can begin to advise your creditors to direct their collection efforts to your attorney. Telephone calls and letters can be rerouted to your attorney’s office. You will need to provide your creditor with your attorney’s contact information like his or her name, mailing address, and telephone number. They may also ask you for the date that you retained their services. With this information, creditors can then contact your bankruptcy lawyer to confirm that you have retained their services and also to verify that their specific account will be included in the bankruptcy. Sometimes a creditor may be unintentionally left out of a bankruptcy filing. If there are a lot of creditors, then one can easily slip through the cracks. If this mistake is caught in a timely manner then it can be rectified in the appropriate manner.

For experienced, knowledgeable and trustworthy bankruptcy assistance, contact the attorneys from www.legalhelpers.com. Call toll-free 800-260-1402 today for your initial free consultation or come into one of their 100 offices across the country.


Whilst talking to my sister last night we got onto the subject of making a will and the best way to go about it. We were discussing whether it was better to have one made at the solicitor’s office or to get one of the homemade varieties done. Both have negatives and positives attached to them and it really is a matter of personal choice for each individual or couple.

Getting a professional will made is the path that most people take and this has a couple of advantages. Firstly, somebody else deals with all the legalities and hassle of drawing up the will, getting it signed and keeping it updated. Secondly, it is harder to contest a will made by a solicitor and in many people’s minds it is more legally binding, and thirdly there will always be copies available at your solicitor’s office. The only problem is that these services often come with a hefty price tag as well as having to find the time to actually go and get it done. Also some people distrust solicitors and avoid having to deal with them whenever they can.

These days it is possible to pick up a free will making kit at your local post office and providing that you follow the instructions properly, it is a legally binding document. Apart from being free of cost, this also means that you can change your will whenever you wish to without having to go and see your solicitor of pay a consultation fee. The problem is that you need to make sure that you keep it save and updated and let someone know where to find it in the event of your death, since it will be the only copy available. Also many people will need convincing that it is a legally binding testament of your wishes.

The thing that made me laugh was the story that my sister told me, regarding an old woman that she knows, who changes her will every week! Apparently this woman goes to the post office each week and along with her pension, collects a new will making kit and fills in the details each week with new items and different beneficiaries.

In the latest version she changed her mind about whom to leave her treasured Hungarian goose down duvet and Hungarian goose down pillows to. These will now go to her oldest daughter while her younger one will get her Siberian goose down duvet and no pillows. Her middle child recently upset her and so he will be getting the cheap memory foam mattress which she picked up at a local bed linen sale and which she has every intention making sure that she dies on! We are all waiting to see what she will decide on changing next week, with her son fervently trying to make his peace so that he gets a better deal and has something with happier memories attached to it. I will keep you informed!

All seasons’ Cheap memory foam mattress and Siberian goose down duvet are available at this shop in affordable price. We provide the online services, bed linen sale online and people rush to buy them.

Nonqualified Real Estate Retirement Plans

If you’re in the field of commercial property management, you might own an apartment building or two. You might have a retirement plan separate from your investment, and it is probably a qualified retirement plan.

Qualified retirement plans are the IRS’s answer to the people’s complaints. The employer contributes to the retirement plan now and the employee pays taxes now, or the employer contributes to the plan at some later date and the employee pays taxes at some later date; this is how it was previously. The IRS then came out with qualified retirement plans which allow the employer to contribute to the plan now, but the employee can delay paying taxes until some future date.

In exchange for these generous tax rules, the IRS imposes strict restrictions. Certain nondiscriminatory rules must be followed as well as a number of other rules. All in all, these rules end up being very restrictive, effectively “sanitizing” the plan; they make the plan not really that good, but not really that bad either.

Non-qualified plans are often more generous but are subject to more strict tax rules, but not always. Non-qualified plans are a broad category. Essentially, they are not a category, they are simply everything other than qualified plans.

Now, let’s make our own non-qualified plan. We’re looking for four main things:
– Liquidity
– Tax advantageous
– Safety
– Adequate rate of return

Liquidity is important because you may need to access your funds in time of great financial danger. Although Douglas R. Andrew touts this as a critical factor in his book Missed Fortune 101, we tend to side with the idea that liquidity, or marketability, is second in importance to the other three factors. We assume that anyone who will be investing will already have saved up emergency funds and has access to enough emergency credit to get by in event of an emergency.

Tax advantageous is obviously important because you want to keep as much money as possible.

Safety, again, is obviously important, because you don’t want to lose your money. The risk-reward curve is garbage. If an investment isn’t safe, then it isn’t an investment. It’s a gamble.

Adequate rate of return is arguably the most important. Without a good rate of return, what’s the point of investing? The goal is to make more money, isn’t it?

So, with this in mind, we are going to take the equity in our home, and put it in a universal life insurance policy all at once. This procedure must carefully be examined; you have to find a universal life policy with a good track record and who’s fees added to the home equity loan payment are less than the percentage usually made on that life insurance policy. Most policies will pay you far more than this. So, what you can do is take out loans on the policy, but only in the amount that the policy can afford. Since universal life often has a minimum guaranteed earnings credit (usually one percent), your money is safe, going to get a good rate of return, tax advantaged, and liquid. How does a qualified plan sound now?

Cody Scholberg is an expert author on real estate investment and commercial property management and writes at commercial property management guide.

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What an Elder Care Specialist Does

Probably this time you have already heard of an elder care specialist.  But do you really know what this professional does and how can he or she help you?  Let us get to know who this skilled person is and what his or her job description is.


Some call them senior care specialists, geriatric care managers, or geriatric experts.  Whatever you wish to address them, these trained professionals specialize in elder care particularly for those aged 65 years old and above.  The health care system can be quite complex but having a specialist guide you through its webs, you can be sure that you can make the right decisions when it comes to your health needs or your loved ones care needs.


With the wide variety of diseases and conditions, each of them requires a particular set of medications and treatments.  A senior care expert can tell you what type of doctor to consult for a certain medical condition.  This can help you avoid wasting time in consulting the wrong doctor.  Additionally, these experts also know the doctors and health care professionals who really specialize in your illness or condition.


As these geriatric care managers are certified and trained, you can have the confidence in following their advices and recommendations when it comes to senior care.


Who is the Elder Care Specialist?


Among the choices for senior care managers are the geriatricians.  They are medical doctors who specialized in clinical care for elders.  They may be general practitioners or internal medicine doctors who had special training in geriatrics.  With their assistance, elders can prevent and treat diseases and avoid disabilities.


Geriatricians are concern not just with a senior’s certain medical issue.  An elder’s overall quality of life is also important for them.  This can lead them customized an appropriate plan of geriatric care.  They will also look into the daily activities of the seniors and see how those can impact on the senior’s health and well-being.  Additionally, these professionals will work with nurses, psychiatrists, therapists, and other health care professionals concerned to ensure that the patient will get the proper type of care.


Additionally, gerontologists can also be of big assistance.  These experts concern is on the aging process itself.  They look into the physical, mental, and social changes in people as they age and what these changes could bear on the senior’s health.  They also examine the connection between normal ageing and age-related disease.


Another, your primary care physician can also perform the role of a senior care specialist.  They can help you identify possible conditions through early diagnosis.  Their advice will guide you in finding the right specialists. You wouldn’t want to waste time and money seeing numerous specialists.  Most of the time, elders do not really need to immediately see a specialist, a PCP can sometimes be enough already. Moreover, the geriatric care manager can coordinate the type of care you require.


Having an elder care specialist guide you or your loved one can make things quicker and easier.  You can avoid wasting time and money in consulting professionals or in taking medications or going treatments you do not need if you have someone who knows the twists and turns in senior care.



Visit SeniorWealthClub.com now to find the perfect elder care specialist for your loved one!

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Increased Bankruptcy In Southfield

Southfield bankruptcy lawyers know that the city of Southfield Michigan has experienced an increase of personal bankruptcy filings between the years of 2007 and 2008. Quite a steep increase has many Southfield bankruptcy lawyers on alert anticipating more clients who wish to file chapter 7 bankruptcy filings. Paying close attention to constantly fluctuating trends can help these Southfield bankruptcy lawyers ascertain exactly how to prepare to best serve the needs of the Southfield community.

For example, in 2007 there were a total of almost 45,000 bankruptcy filings throughout the entire state of Michigan. Chapter 7 cases accounted for more than 70% of all of those cases that year. By stark contrast, in 2008 that number jumped to nearly 54,000 bankruptcy filings and nearly 80% of them were chapter 7 personal bankruptcy cases. So far, through the third quarter of 2009, there have been a little over 50,000 cases with about 84% of those cases representing chapter 7 personal bankruptcy filings.

By analyzing data trends like this, bankruptcy attorneys can effectively predict where and how to dedicate their time, money and resources. Now logically, they may have to account for some adjustments depending on if they are analyzing state versus local information. A number of factors are likely to influence those numbers so considerations must be made.

Although Southfield bankruptcy lawyers may have their practices or offices located in Southfield, they may actually provide services to clients who reside in different locales in and around the state of Michigan. Therefore, it is important to remain aware of the bankruptcy patterns of the immediate surrounding regions.

With disturbing unemployment rates that continue to climb, 2009 might bring unprecedented bankruptcy filings. That remains to be seen. Regardless of if it does or does not, immediate relief from the economic recession is nowhere in sight so who knows what kind of bankruptcy rates the New Year might usher in.

For experienced, knowledgeable and trustworthy bankruptcy assistance, contact the attorneys from www.legalhelpers.com. Call toll-free 800-260-1402 today for your initial free consultation or come into one of their 100 offices across the country.

Dating Tips for Elders

Who says dating is for teenagers and youngsters only. In the world that we live in, many people in their late 30`s and 40`s are trying to search for a partner and a soul mate. Of course, the whole ball game changes when you reach a certain age because most 40 year olds will be in the dating zone for serious and matured reasons. More often than not, elder group will be looking to settle down, find a life partner and be serious about the entire dating scene! What might suit a 20 year old girl is going to be vastly different for a 40 year woman. Here are some tips for the older and more matured age group:

•  There is nothing to be shy or awkward about this age and dating! Many people are doing it. So just be confident and assertive

•  Put some thoughts into what you want from the woman/man you are going to be dating. This is probably not the time to flirt around and waste your time! It will be a great thing if you can gather your thoughts and expectations and then go about finding the right fit

•  Examine yourself and introspect a lot. This will give you a perspective on who you are, how you are and how should the date see you. It is important to be comfortable in your own skin and know yourself pretty well

•  Be realistic – At the age of 50, you might not want to run after 20 year old graduates! Remember, you are in the dating world with a futuristic purpose and not because of frivolous reasons

•  Put in as much thought and care while going out with your date. After all, physical appeal is important – no matter how old or young you are. This also shows respectfulness on your part

•  Most of the people in the older dating group want things very quickly and fast. Please slow down. You may not strike gold in the first date itself, so be patient and persevere.  You need to invest quality time and effort with every date

•  Do not compromise just because you think its “late in life” and you will have to make do with whoever likes you!
Love, destiny and friendship does not change with age. You never know whom you will find on your next date – just be confident, positive and respectful!

Sanjana is a dating consultant and provides tips and advices on relationships and dating. She has written numerous articles regarding how to date with Indian women date with Indian women . Through her articles she has highlighted the pros as well as cons of  free online dating service  so that users become informed about these sites and the features offered by these sites.

Choosing Between Elder Care Providers

Choosing an elder care provider for the first time, or choosing an elder care provider that’s more qualified to meet the needs of your loved one, can seem like a daunting task.  Where do you begin, and how can you make the search easier?  How can you make a comparison of different providers in a compassionate, yet logical way that satisfies both peace of mind and financial responsibility?

Consider the approach you use when purchasing or opting to buy any major service for your home, business, or family.  At first, this approach may seem cold, business-like and lacking in compassion, but it is essential to take this stance when purchasing a service on this scale.  If you set your emotions aside, and focus first on the needs of your elder family member from a straight-forward, logical place, you will be less likely to be taken advantage of by those who would prey upon your emotions, and less likely to make a decision solely based on “how you feel”–and more about “what does my elderly family member need and want” in Elder Care?

First,  list the day-to-day needs of your family member, and insure that the most fundamental needs are not only met, but exceeded.  Second, list the emotional needs of your elderly family member, and for your family as well, to insure that the elder care provider you choose will meet, anticipate, and hopefully far exceed these needs.  Here are some tips:

Whenever possible, talk with your elderly family member.  Ask about their needs and preferences–do they want to live at home and have help with errands and tasks?  Will they benefit from visits by in-home health professionals, nurses, nutritionists, physical therapists?  Would they benefit from being part of a vibrant, senior assisted living community that offers some day-to-day assistance along with community building, group activities with other seniors?

List what is working:  Are there confident areas where your elderly family member does NOT need assistance?  If so, continuing to allow them the freedom to accomplish and excel in these areas will contribute to their independence and boost their confidence and self-esteem.

List what isn’t working:  Are there areas where your elderly family member needs temporary or on-going assistance?  These areas may include:
1. Physical rehabilitation
2. Driving and running errands; getting to appointments
3. Household chores that involve heavy lifting, or any strenuous activity 
4. Remembering dates, appointments, when to take medications, correct doses, and times of day.

Once these logical needs are met, you can begin a conversation about the emotional needs of your elderly family member.  Would they benefit from an Elder Care Provider to come sit and visit with them throughout the day?  Perhaps they would benefit from an Elder Care Day Center that offers activities, transportation to and from appointments, and a break for your family caregivers.  Would the family member thrive in an Assisted Living Community, where some of their needs are met by Elder Care Providers, while they still maintain some of their independence, and become part of a vibrant senior community?

Consider these when choosing between Elder Care providers. Keep in mind that many established caregiver organizations will have many, if not all, these options available or can put you in contact with other local providers who offer the services you’re looking for.

Whether your elderly family member requires many hours of care each day or just a few times a month, we will create a schedule for elder care that makes the most sense for their needs. Personal Care Inc. offers families peace of mind knowing that their elderly loved one is being cared for by loving professionals who are dedicated to improving their patients’ quality of life.