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We plan for many important events in life. We plan for retirement, a wedding, vacations, and for a child’s education. Sadly, the health choices that are made at the end of life are seldom planned and many times they are made for us. Decisions are put off and desires are not expressed because it is difficult to contemplate or discuss death. There are many things to plan for at the end of life. Transfer of property and the well being of a spouse or child are all issues to be considered and planned for.
There are many decisions to be made every day in life, even late in life. This is called life-time planning. Some of these decisions are of a financial nature, while others are of a personal nature, and still others are health-related.
Financial decisions might include whether or not to have a joint bank account, how to go about paying bills and arranging finances, and drafting and maintaining legal papers.
Personal decisions might include making funeral plans or burial arrangements, choosing where to live, and fulfilling spiritual or religious preferences.
Probate is the procedure for transferring title of a deceased person's property to the proper survivors. If the person did not have a will, the laws of intestate succession set out who will inherit. If there is a valid will, the estate still must be probated, but it is distributed according to the will. Probate also arranges for payment of all debts and taxes.
A will is a legal document directing the disposition of one's property (estate) after death. The person
whose property is distributed in the will is called the testator of the will. A will has no effect before the death of the testator. At any time before death, the testator may still give away or sell her property. The testator may also amend or revoke her will or put in effect an entirely new will at any time before her death, as long as she is mentally competent to do so.
An interactive form is available for free to seniors and low income individuals seeking a Living Will and Durable Power of Attorney for Health Care. You can easily complete the form by answering a few simple questions.
Un testamento es un documento legal dirigiendo la disposición de la propiedad (sucesión) de uno después de fallecer. La persona cuyo propiedad se está distribuyendo en el testamento se llama el testador del testamento. Un testamento no tiene ninguna vigencia antes de la muerte del testador. En cualquier momento antes de la muerte, el testador aun puede regalar o vender su propiedad. El testador también puede enmendar o revocar y poner en vigencia un testamento completamente nuevo a cualquier momento antes de su muerte siempre y cuando que está mentalmente competente para hacerlo...
Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. However, there are some exceptions.
Please review the guide below for more information.
Payday loans are small cash advances, usually of $500 or less. To get a loan, a borrower gives a payday lender a postdated personal check or an authorization for automatic withdrawal from the borrower’s bank account. In return, he receives cash, minus the lender's fees. For example, with a $300 payday loan, a consumer might pay $45 in fees and get $255 in cash.
Payday lenders are not the only option for consumers facing debt problems.There are many alternatives to payday loans such as: small savings accounts or rainy-day funds; salary advances from employers; credit card advances; working out extended repayment plans with creditors; and loans from friends, relatives, religious institutions, or social service agencies. In addition, many lenders have developed lower-cost alternatives to payday loans that have better repayment terms.
If you happen to be behind on your payday loans and your checks keep bouncing, you may be worried about facing criminal prosecutions. Some “payday” lenders have been known to call and threaten borrowers to “pay or go to jail.” As a result many “payday” loan borrowers are terrified by threats of criminal prosecution. But if you are in this situation, you should not be scared by these “loan shark” threats...
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