Tag: Issues

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This overview presents the key issues to consider when designing and executing the best estate plan. Also, the work does not stop at signing your estate plan documents; you must also complete the follow up work of beneficiary designations, memorandum to fiduciaries, etc. The goal is to avoid the pitfall of no plan done and the disaster when wills and trusts are in place but the asset ownership and beneficiary designations frustrate the plan by having assets pass to the spouse and not the trust.

If you do nothing else after reading this, write and deliver a “Memorandum to Survivors” and review asset ownership, all as described at the end of this post.

A comprehensive estate plan can accomplish many goals, such as providing for survivors, ensuring your children are cared for, determining the flow of your assets upon your death, and reducing the amount of taxes your estate will pay while administering your estate. The most important goal is that you have peace of mind knowing that your estate will be administered in accordance with your wishes.

Estate Planning Pyramid

Constructing a pyramid can be helpful for understanding all that goes into an estate plan, much like nutrition and investments. Each level of the pyramid addresses a new level of complexity in your family and financial situation – that is, everyone needs level one, but not all need the later, more complex levels.

Pyramid: Level One

The first level of estate planning provides the most basic protections so it is most suitable to single individuals with no children and few assets. This level of estate plan typically includes the following forms:

Health Care Proxy: This document allows you to appoint people to make decisions about your health care and treatment when you are not capable of doing so. You typically select the surviving spouse and then have a first and second alternate if you wish. Some states call such documents “medical directives” or “medical powers of attorney.”

Living Will: This makes your wishes clear as to whether or not you want to have heroic means used to prolong your life.

Anatomical Gift Instrument: This allows you to have a hospital use organs and other body parts for others in need of a transplant.

Pyramid: Level Two

The second level is most appropriate for individuals in committed relationships. This level includes all the forms listed in the first level, but adds a durable power of attorney. This document grants a power of attorney to the other to manage your financial affairs if you are absent or you become incapacitated.

Pyramid: Level Three

When you have children, you want to ensure that they will be both cared for and provided for in the manner you wish. To achieve this, you need a will to appoint a guardian, for the “care,” and create a trust to manage assets, for the “providing.”

A will is a formal document that designates your personal representative or executor, any alternates, plus a guardian and any alternates for children under age 18, then instructs your personal representative to pay off your debts, and distribute your estate per your wishes.

A trust is an entity that you create and can be used for many purposes. The trustee acts as the owner of what the trust holds, while the beneficiaries get all the benefits from what the trust holds. For estate planning, trusts are used to reduce estate taxes in various ways. Trust vehicles can also describe how and when assets are distributed. For example, the grantor of a trust could insist that assets not go to children until they are age thirty-five. The trust vehicle could also provide where assets flow if all family members die without issue. For example, assets could flow to a charity or educational institution.

Providing for Survivors: You need to address how your assets and any life insurance flow after your death in order to ensure that your resources allow those who survive you to maintain the same standard of living, during their life expectancies, that you all had during your life. If your investments are not sufficient, even after making liquid certain kinds of personal property (e.g., a second home), then …

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While we consider female lack of desire and women's health news on carcinogens in cigarettes position a risk to everyone, our world's women are over twice as likely as males to get aggressive kinds of lung cancer and more likely to establish it at an earlier age.

– And women, it turns out, have an even harder time stopping than guys.

– Stopping cigarette smoking is much easier said than done.

– Females are likewise more likely to die of lung cancer than breast cancer.

– Stronger withdrawal signs may be credited to hormonal agents or the larger nicotine dosage absorbed by smaller female bodies.

No matter female's age, the dangers of cigarette smoking add to female lack of desire and women's health news everywhere today tells us infertility, osteoporosis, blindness, and stress and anxiety, surely may result.

The expecting mothers who smoke threat not just their health, but their children '.

Passing smoke impacts the children and other individuals around moms who smoke.

Smoking cigarettes and smoking health issues is a vice that almost always starts during adolescence.

They probably never will when teens finish from high school without ever smoking routinely.

Smoking problems while kids turn into women's smoking problems and the latter get the worse health problems.

Youths may exhibit symptoms of addiction within a couple of weeks or days right after they began smoking cigarettes.

While cigarette smoking was unusual in women through the history books, but during the late 1800's, and in to the 1910's, the tobacco industry recognized the potential of women as a gold mine for the expansion of the cigarette market.

In truth, tobacco business released the campaign slogan, "Instead of a sweets like ice cream and candy, grab a smoke," which quickly encouraged women to smoke so as not to gain weight.

This was followed by, "You've come a long, terribly long way, young lady," as a tribute to the burgeoning women for equal rights parade.

These marketing projects not just portrayed female's cigarette smokers as stunning, enjoyable and independent, but also sent out subliminal messages that cigarette smoking assists women to manage their weight.

Cigarette ads are banned in kids and teenager's magazines.

In a previous discussion I explored the many things in the way for women and a life of self-confidence and success.

But still in much of the world billions of dollars are spent on other ways to advertises like alongside the highway, billboards, and adult publications which can quickly be accessed by the youth.

Because since the late 1980's lung cancer has actually exceeded breast cancer as the leading cause of cancer deaths among females in the United States.

Cigarette smoking causes heart illness, which is the number one killer of the western world's female population.

Women who smoke likewise damage their beauty they once held, and they do recognize this in the mirror.

Smoking speeds up the aging procedure and produces more facial wrinkles, gum illness, oral decay, raspy voice, and bad breath, and female lack of desire and women's health news on this is everywhere.

I mean mental health is likewise affected due to anxiety and stress anxiety conditions.

Ladies are more likely to be depressed and be a woman with lack of libido, than non-smokers, which young and older women with anxiety disorders are more likely to smoke.

Some females, nevertheless, are finding innovative methods to break the practice for the rest of their lives.

Participating in activities where smoking cigarettes would not fit, such as exercising, biking, mountain-climbing, as well as turning to a non-smoking lifestyle that consists of going to smoke-free places with your kids.

The dangers of smoking for women has increased attention and awareness for young women's health and from female entrepreneurs and companies, resulting in a number of jobs that focus on supporting tobacco cessation efforts particularly for our lovely women of the world.

The Course in Miracles states, "The body can not know. And while you limit your awareness to its tiny senses, you will not see the grandeur that surrounds you."

Regardless of age, the threats of smoking contribute to all kinds of women's health issues and lead to female lack of desire and women's health …

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