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June 2013 Archives

What is HECM?

Retirement planning is something that is very important and it is neglected by far too many people. In the end, there is no guarantee that you will be able to retire. To do so you are going to have to be able to pay your way without working for perhaps a couple of decades or more, and for a lot of people this is going to take some very careful and intelligent long-range planning.

What are "Durable" Powers of Attorney?

Incapacity planning is an important part of a comprehensive plan for the future, and this is something that is often overlooked. There was a poll conducted by the Harris organization late in 2009 that found that only 48% of people over the age of 65 had a durable financial power of attorney in place and only 51% had a durable power of attorney for health care.

Surveys show estate planning often overlooked

It would be logical to assume that most responsible adults have an estate plan in place. However, the sad truth is that a majority of Americans are going through life without an estate plan and this is not a good thing because it is your family who will pay the price if you fail to make the proper preparations.

How to maximize Social Security Incomes

Retirement planning is very important because believe it or not retirement is not something that is a given. In a very real sense, retirement is just a word that describes the decision to stop working. To be able to do this you're going to have to have adequate financial resources.

Late Singer Amy Winehouse Planned Well

Attorneys will tell you that you should not consider the matter of estate planning closed when you walk out of the office with your initial estate plan in hand. Things take place in your life over the years that can make revisions to your estate plan necessary and this is something to be aware of as you go forward.

A living trust is a good alternative to a will

The last Will is the most commonly utilized estate planning document as we all know, but it is important to recognize the fact that you have alternatives. A revocable living trust is one of them and they have become very popular. The primary reason for this is because they enable Probate avoidance.

Lack of planning hits boomers hard

When you are living in the moment going about your day to day responsibilities you may find it difficult to imagine a time when you will be approaching retirement age. As understandable as this may be if you are two or three decades away from your 60s, you have to take action if you want to be prepared for retirement.

Estate Planning, It is Relevant to You

There are certain basic responsibilities that you assume by simply becoming a self-supporting adult. This is something to keep in mind if you are one of the many who is procrastinating about putting an estate plan in place.

Aid and Attendance Special Pension, The Military Advantage

There are people who get themselves into trouble because they don't have enough information about long-term care. One of the misconceptions that some people buy into is the notion that it is unlikely that they will ever need long-term care. This idea flies in the face of reality. In fact, according to the United States Department of Health and Human Services approximately 7 out of every 10 Americans who reach the age of 65 are going to need long-term care at some point in their lives.

Where to keep your estate planning documents

It doesn't matter how much time you spend or how much your estate plan cost you, if your family can't find it when the time comes, it will cost them in the end. The first task for your family after you pass away is to locate your estate plan. For some families this is easy, but for others this is a daunting task. There are numerous places where you can keep your documents, so choosing one depends on its accessibility and how likely it is your family will find it.

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