Sort by: Title|Newest|Oldest

Unclaimed California State Money: A Hidden Fortune  By : N. Anderson Unclaimed California State Money has grown to BILLIONS! The thing that most people don't know is... there is a good chance you are owed some of this unclaimed cash. So, how do you find some missing money for yourself....??? Stock Trading Options Ultimate Ideas  By : Clifford McHanter In the present situation of the global economy the trading stock options are going weaker but then stock traders are still very optimistic to garner more confidence in their stock shares. For all the accolades and labels that stocks world has garnered over the past years as the services destination of choice for welter of traders From Cents To Thousands  By : Michelle Patelle Without exercising some self-control and having a goal in mind, you will find all your money trickling away. Here are some tips on how to stay in control of your money. What Are The Best Ways Of Comparing Credit Card Rates  By : Smedley Harris Everybody wants to find a good way of comparing credit card rates before selecting a suitable card. However, very few people manage to do this. Repel Money Now!  By : Morgana Rae A Everybody talks about the Law of Attraction. Raise your vibrations. Manifest abundance. Blah blah blah blah blah. You can chant and vibrate all you like, but good luck becoming a money magnet when money finds you repulsive. Got too much cash? Here are five simple steps you can take TODAY to repel mo Secure your money and be secured for your future  By : Dianne Keepter Watkins Always be concerned about your future and invest your money with the help of some professional wealth advisor for the better security of your future. Appealing Your Property Taxes.  By : Patrick O Connor Thousands of Texas homeowners will go through the property tax appeal process this year because the appraisal district incorrectly assessed their home's value. Sometimes getting a satisfactory reduction takes some time, but it is important to utilize the options available until you are offered a fair reduction. Paying the Taxman: Estimated Tax Payments for the Self Employed  By : Celeste Stewart Paying the taxman each quarter is a must for the self-employed. Not only will this help you avoid penalties, you won´t be left with a big surprise at tax time. What is Values Based Financial Planning?  By : Chris tyreel So just what are values based financial planning and is it anything that you may be interested in. In short, values based financial planning is quite simply a method of financial planning that integrates your personal values into decisions that are made. Sounds simple right? Well it’s not. Going Green Ideas  By : Clifford McHanter Environmental experts also encourage starting now being a responsible to our household waste management program. Strict observance on disposing waste as well as its segregation from can be recycled or not to biodegradable and no-biodegradable. 10 Ways to Reduce College Costs and Avoid Debt That Can Take Years to Pay Off  By : Marc R Hill Peek into the future of college costs and combine it with some smart strategies... you may be well on your way to saving thousands of dollars in college expenses. Qualifying Recognised Overseas Pension Schemes (QROPS) A simple expat guide to pension transfers  By : Jackie Needham QROPS-Guidance on the benefits and pitfalls of QROPS schemes $10,000 Bad Credit Personal Loan  By : Robart Watson Bad credit holder may solve their problem with bad credit personal loan and can receive an amount of up to $ 10000. How To Stop Foreclosure Fast  By : J. Sopher Don't lose your home to foreclosure. There are several ways that you can stop foreclosure and save your home. This article explains your options. Preventing Foreclosure: Stopping A Bad Situation Before It Gets Worse  By : J. Sopher This article discusses several foreclosure stopping methods and offers the troubled homeowner help in preventing foreclosure. Personal Loan with Bad Credit or secured-How to get approved easily?  By : Carl Fullar Follow easy steps for no credit peoples and get approved for bad credit now. Online lenders are very much interested to provide personal loan for bad credit. Personal Financing for a Secure Future  By : Chriss Tyrrell In a recent government study that was done, it was found that fully 85% of people who had 401K tax differed savings plans have made no adjustments to their portfolio for the past five years. What makes that fact so astounding is that even as the stock market crashed, they still didn't make a move to change things. Lower Electric Power Utilities Cost  By : Danny Fisher Each month the majority of families give away $50 or more on lost electricity, this adds up to at least $750 each year of potential savings, here are some easy hints to keep your cash. How to Spot Warning Signs of Bankruptcy  By : J Dawkins Bankruptcy is essentially an inability to meets one's financial commitments as they become due. Public stereotypes of bankruptcy are often negative and associated with failure, poor financial management and can often lead to the individual being stigmatized by family and friends. LGN Revolution: The Gateway to Financial Freedom  By : Investments Opening new doors to internet network marketing is the LGN revolution that has taken making money online a blessing in disguise for many people. Each level offers various team benefits and if all the people in the team work effectively by implementing the requisite techniques at the right time, you will definitely be able to witness the power of LGN Revolution. Write a Will  By : John Higgins Make sure that you make a Will! Find the secrets to getting your Will written quickly, easily and cheaply in this article. Making a Will Professionally  By : John Higgins Are you thinking about making a Will? Read these top tips for writing your Will easily and professionally. Death by Debt- Visa, The New Mafia  By : Michael J. Brazier You remember that class in high school about how to manage your credit cards? Neither do we. With no education available and most consumers first establishing credit around the same time you can buy alcohol... Will Drafting - What Everybody Ought To Know  By : John Higgins We all need to make our Will but there are several different ways of doing it. Find out what the alternatives are here.It might make life really easy for and even save you some money. What is Alaska Unclaimed Money?  By : N. Anderson The state of Alaska has unclaimed money owed to its residents and even some money to people all across the country. Read on to find out how to get your hands on some of this free cash... Personal Finance  By : Max Luke Do you envy people who have their financial situation in good shape? It is pretty easy to become one of those people. The steps to stability with your personal finances is successful operation of your money. Taking control of your personal finances will allow you to understand how to use your money better and how to keep more of it in your pocket. Bankruptcy Attorneys - Choosing the Right Counsel  By : Anthony Russell When debtor decides filing for bankruptcy, it’s because he or she does not have enough money to pay off the creditors. That’s the basic cause - lack of money. Money Issues For Singles  By : J Dawkins This article will highlight some of the money issues faced by single people and has some practical suggestions for overcoming them. As we will explore soaring property costs, excessive tax burdens, holiday surcharges and illness can all create financial difficulties for single people. Seven Tips To Save Money  By : Michael J. Brazier Learning how to manage your personal finances won’t make magic with your current debt dilemma but it can help avoid repeating the process in future ventures. The Facts About Unclaimed Property  By : Nathaniel There are many predictions as high as 1 in every 4 Americans in some states having unclaimed property. Why Affirmations Are Pathetic/Suck/Don't Work/Blow/Aren't Enough  By : Morgana Rae A When you can't get (or leave) a job, or pay your mortgage, or find a date... chanting to yourself, "I'm a millionaire," isn't going to solve your problems. Should You Use Credit and Debt Counseling Services?  By : KimberlyAnn What is a credit and debt counseling service? A credit counseling service (or debt counseling service, or debt consolidation service) is an organization that does exactly what it sounds like: Learn the Most Common Credit Scams and How to Avoid Them  By : KimberlyAnn Nothing is worse than finding out that someone has stolen your identity and maxed out your credit. In this article we will discuss the most common scams to watch out for and how to arm yourself so this does not happen to you. Just Say No To Worry  By : Ken Keis Research reveals over 90% of the things we worry about never happen. Everyone worries, but most worry is about some negative possibility in the future, not right now. Worry can breed anxiety, paralysis, and depression, rather than creative solutions. In the end, we are all personally responsible for our own thoughts and our emotional state. How to make a Will  By : John Higgins How to make a Will might seem daunting. This introduction will help make it easy for you. Make Your Own Will without using a Solicitor  By : John Higgins Make Your Own Will cheaply and easily. Avoid legal mistakes, and save a fortune in legal fees! Will Writing Firms - Can You Use Them Safely?  By : John Higgins You might be able to save money if use a Will Writing Firm to write your Will instead of using a Solicitor. But is it safe and secure thing to do? Find out the advantages and drawbacks of using such a company and how you can use them safely if you wish. You might sleep a little easier if you get your Will written properly. Making Your Will  By : John Higgins Making Your Will? Here's what to bear in mind to make a Will properly Making a Will at Home  By : John Higgins Making a Will yourself is straightforward. There are risks involved, though. How do you avoid them? How your credit works for you  By : KimberlyAnn In this day and age, it is very important to know how credit works. Credit is very important because it affects not only what you want now, but also what you can have in the future. Your credit also affects things that you probably did not even realize. Rebuilding Credit after Bankruptcy - Tips and Suggestions  By : Judy Dixon Reestablishing new credit ratings takes time. It’s not an overnight process. The important thing is it’s possible, and it can be done. One has to be patient, and persistent. So it’s advisable to consult a bankruptcy attorney before filing for a bankruptcy. Making Sure Your Taxes Are in Order  By : Livia Konstandaras Taxes are an unsavoury business but they are one of the two facts of life (the other, or so we are told, is death). Unfortunately however the unpleasant nature of filling out tax returns, book keeping and filing documents means that many tax payers overlook these jobs and rely on their employers to sort them out on their behalf. Fast and Easy Payday Loan Advance-Urgent Money deposit Someday  By : Robart Watson Money Approval is so fast with payday loan cash advance .With these sorts of loans you can get approval for your loan with five minutes and money deposited into your account within a few hours or same day. What to do if Your Payslips are Lost or Invalid  By : Livia Konstandaras Payslips are handed out to employees regularly, often on a monthly basis to confirm the amount that has been transferred into their account, and these should be kept for future reference. The really important wage slips however is the P60 that you receive at the end of each year and the P45 document which is updated each time you terminate your employment with a certain organisation. Are You Easily Offended and Quick to Anger  By : Ken Keis Is it just me or have you noticed increased in-your-face attitude from others? Easily offended and quick-to-anger individuals are out of control. Are you easily offended and quick to anger? Here's Help! Term Life Insurance - Term Life Quotes, Rates, Policies, Definition, Comparisons  By : Don Lusan Term life insurance is favored by a large portion of our population. Let us take a close look at this policy and see why. It may be wise to begin by attempting to define this type of policy. Let us see what it is all about. Five Easy Ways to Repel Money  By : Morgana Rae A abundance. Blah blah blah blah blah. You can chant and vibrate all you like, but good luck becoming a money magnet when money finds you repulsive. Got too much cash? Here are five easy things you can do TODAY to repel money faster than you can say Bernie Madoff: 1) LET PEOPLE OWE YOU MONEY Remember that $5,000 you lent to your cousin/sister/nephew/friend? Forget about it. You don't want to make waves, right? Wrong. One of the most foolish, money-repelling actions you can take is to loan money to people who mismanage their own. If they didn't respect their own money, they aren't going to respect yours... and when you allow people to disrespect your money, YOU'RE disrespecting your money. When money isn't respected, it leaves. What's usually going on is you want to be liked more than you want to be paid. You're saying, "The money doesn't matter. See what a great person I am?" If someone told you that you didn't matter, would you want to stick around? The irony is the person who owes you money doesn't like you. Every time he thinks of you he thinks of what he owes you, then he feels bad, then he resents you. If he can resent you enough, he can justify why he shouldn't have to pay you back. If you don't value your money enough collect what you're owed, don't expect money to hang around. 2) CHARGE TOO LITTLE The economy's crashing, so you better slash your rates, right? Sure, if you want to come off as a hack. I don't care what you've heard about the economy, etc. If you treat your contribution as worth less, so will others. You do NOT want to be the person people hire because you're cheap! There's an underlying contempt for wealth when you encourage people to hire you because you're cheap. You're telling your customers that being paid well isn't important to you. Even worse, you're telling your customer and yourself that you don't deserve to be paid well. How attractive is that? It's a downward spiral: your clients will invest less, get less back, see you as an amateur, and you'll find yourself struggling for less and less. You lose all credibility. A better strategy is to charge more and make sure the value you give is even better. 3) IGNORE YOUR MONEY It'll all work itself out, somehow. Really? My late friend John Berg came up with a formula for managing money: ? What do you have? ? What do you owe? ? Where does it come from? ? Where does it go? If you can't answer these questions off the top of your head, or within a day, you aren't paying attention. How does ignorance show up? Missing funds. Under-employment and under-insurance. Unpaid credit balances and overdrafts. Borrowing more than you can pay off. The collapse of our banking system. The war in Iraq. You pay with attention, or you pay with pain. Either way, you pay. 4) LOWER YOUR STANDARDS Settle! That dirty car and those depressing "friends" and those difficult clients aren't such a big deal... They're a bigger deal than you think. You train the universe how to treat you. Every day that you tolerate that burnt out light bulb, that messy desk, or that client who doesn't pay you on time, you're sending out the message to the world (and to yourself) that this is as good as you get; this is what you deserve. Good luck attracting jobs and money and all those things you desire when you feel undeserving. Money doesn't like losers. Raise your standards. Clear the crap. Say no. This can be terrifying, so start with baby steps. You'll build your confidence and momentum, and you'll create room for what you want. Be more committed to who you want to be than to who you've been. Money loves this. 5) HANG OUT WITH LOSERS, COMPLAINERS, AND (REVERSE) SNOBS You're an spiritual soul here to save the world and spread your art, right? You're not in it for the mulah, oh no. It's just terrible that we live in such a materialistic society. Money is the root of all evil. Yeah, right. And money feels the same way about you too. You adopt the values of the people you spend your time with. If you want to struggle and snipe and justify your unfulfilled dreams, seek out more of the same. Money is the bad guy and the big excuse, and money doesn't like it one bit. If you want to attract wealth, look for attractive people. Look for the people who have the life and values you want. Associate with success. Their values and strategies will become your values and strategies. Their reality becomes your reality. But please... don't come looking for a handout. If you want to create a relationship with someone who has something you want, you have to bring something to the table too. Invest in a coach, a class, a teacher, and a community that will shape you into the person attractive to money. An Insight Into 401k to IRA Rollover  By : Tom Jones MD A 401k rollover is the procedure of moving retirement savings from a work-sponsored 401k plan to another retirement investment vehicle, i.e. Individual Retirement Account (IRA). Best Laser Color Multifunction Printer  By : Ivan Lodichand Best Laser color multifunction printer contains two diverse technologies for a black and white and color print. Amongst the laser printers, usually monochrome laser printers can be largely the most accepted ones in the business. Laser printers are quicker than inkjet printers. Generally, laser printers are fairly trendy because they offer speedy printing, high-quality printing and inexpensive costs per page. Toner cartridges are used as a substitute for ink cartridges found in inkjet printers. Usually it’s for businesses, home users, or home offices. I can state that Monochrome Laser Printers present the best stability between print value, price and quickness. Their prices on personal printers dropped down to approximately 200 dollars and start to become an excellent option to inkjet printers. Monochrome laser printer toners can cost less and are inexpensive to upkeep. If you print in color, you might want to buy an inkjet printer. Business Check Printing : Discovering Your Options For Online Check Printing  By : Wendell Headen If you want to discover more about finance, you have to abide by this simple dictum: What is personal should remain personal. That is why, if you’re planning to run an office, you should make sure that there’s a separate check for your business transactions. Household Budgeting: Getting it All in Order  By : Carlos Montes Budgeting is basically just having a written plan that encompasses an estimated projected income and expenses which you then adjust as the bills and payments come in. Consider for a moment that your household is a business; no business would ever do well without keeping track of what money came in and what the monthly expenditures were. Try considering your home a business to help your assets grow! Can The Millionaire Mind Intensive Improve Your Personal Economy?  By : Laura Bodington The Millionaire Mind Intensive seminar didn't sound like the best idea when I first encountered it. After all, there are lots of "get right quick" schemes out there, and this seminar sounds like it'll be a lot of work. However, that's not really the case - here's the real scoop. Stop Home Foreclosure With A Modification Of Loan  By : J. Sopher There are certain conditions whereby lenders will consider doing a modification of mortgage. It might be through a mortgage rate modification, or through some other change to the terms of your mortgage. This article explores those scenarios, and also looks at other options you may have to stop home foreclosure. Prevent Foreclosure? You Can- But Do You Want To?  By : J. Sopher This article explores some of the options a homeowner can take to prevent foreclosure of their home. It also discusses whether or not they even should try to prevent foreclosure, and what factors to consider in reaching that decision. Finally, it provides some resources to help them reach their goal. Can You Be Enlightened with Peak Potentials Training?  By : Gemma K. Richardson Peak Potentials Training, as well as other projects by T. Harv Eker, have been getting a lot of attention lately. People say that this training company can really help you rise to the top, and start making money in a way you've never been able to before. However, it can be hard to tell if a product like this is just hype, or if it really has something to offer... Bankruptcy And Attorneys - Part 1  By : Judy Dixon Ideally, the debtors are not advised to avail the benefits of Chapters 7 and 13, and financial experts often advise against filing for bankruptcy. However, the fact remains not all business concerns and individuals are eligible for other alternative facilities of debt consolidation or debt settlement. Saving Money During a Recession: Mission Impossible?  By : haas2 Recession is a word that fills people with dread and bad visions. It's a time people consider bad for finances, a time capable of magically shrinking a dollar's value overnight. General Asset Protection  By : Berber Asset protection is becoming an important part of middle income Americans' lives. Small business owners have to worry about losing their business to the frivolous lawsuit. The IRS, other government regulations, and a dozen other predators are out to get them. Most lawyers don't really concentrate on asset protection, because they make their living cleaning up the mess that comes when somebody tries to take your assets away from you. Life's disasters, such as taxes (the IRS is a disaster), divorce, ID theft, lawsuits, major medical problems, and accidents are something we all face. When one of these disasters strike, it is a major asset protection problem. If you do some asset protection planning now, you're financial outcome following one of life's disasters will be a lot different than it would be if you do nothing. All asset protection centers around ownership of property. If you don't own it, they can't get it when they attack you. Your spouse or children will own all or part of "your" assets. The trick in asset protection planning is to move ownership away from you and still have you control the assets and get the beneficial enjoyment of the assets. The majority of homes on my street have doctors or other professionals living in them. I know all of my neighbors, but one day I looked at the land plat of our neighborhood, and none of their names appeared on the county records. Each one of my neighbors has done asset protection planning, and the "ownership" of their house isn't in their name. Often the spouse, not the professional, owns the house. If the asset protection plan is set up so the non-professional spouse owns the house, then when the professional is sued, the attacker probably can't get the house. Actually, don't have your spouse own the house in his or her name directly, have the house "owned" by a living trust, so that you can avoid probate if he or she dies. There are a limited number of asset protection tools that an attorney has available to "move" ownership of assets. Please note that living trusts are not good asset protection tools. The trust is not protecting the property. Corporations are good asset protection shields. They are primarily used in business structuring, but they can form part of a family asset protection plan. Limited partnerships are another good asset protection tool that can be use in a business structure or a family's asset protection structure. A limited partnership used as part of the asset protection plan for a family is called a "Family Limited Partnership," which is often called an FLP. The most flexible tool an attorney has for asset protection is undoubtedly a limited liability company (LLC). In any asset protection plan, a living trust needs to be used to hold "ownership" of the other entities used, such as the LLC, FLP, and corporations. Using the living trust as part of your asset protection plan, you can avoid lots of estate taxes, avoid probate, and even manage assets from your grave. Order my new book, Guaranteed Millionaire, and learn how to structure your asset protection plan with the living trust at the core. With you order of Guaranteed Millionaire, make sure they include the asset protection DVD, Using the Law to Make Money and Protect Your Assets. It's FREE. The DVD normally sells for $19.99 without the book. It gives you a great tour of the asset protection tools you can use today. General Asset Protection Information  By : Berber Asset protection has firmly established itself as part of every successful American's life. Small business owners have to worry about losing their business to the frivolous lawsuit. Government regulators, the IRS, and half the entitlement Joes are waiting to take away everything they have. You won't find many lawyers that do asset protection planning for their clients, because the lawyer is going to make a ton more money cleaning up the mess after you are attacked than they would preventing the mess. Common disasters, like lawsuits, divorce, taxes, illness, and identity theft are something every one of us faces daily. Any one of these common disasters is a major asset protection threat to your financial security. Doing some asset protection planning today will make a big difference when you get hit by one of life's disasters. Most asset protection techniques are based on the concept of ownership. When you are attacked through one of the asset protection threats, you can only lose what you "own." Asset protection planning usually breaks up assets between spouses or other family members. The trick in asset protection planning is to move ownership away from you and still have you control the assets and get the beneficial enjoyment of the assets. Most of the houses around mine have businessmen or professionals living in them. I know all of my neighbors, but one day I looked at the land plat of our neighborhood, and none of their names appeared on the county records. They use a lot of different asset protection planning techniques, and in every case, "ownership" of their house has been removed from them. Usually the spouse is the direct or indirect owner of the professional's house. If the spouse directly or indirectly owns the house, it will be protected when the business has a problem or the professional is sued for malpractice. Have the spouse's living trust actually own the house, so that you don't end up probating the house if your spouse dies. There are only a few "legal tools" that an attorney can use to move ownership of assets in an asset protection plan. Living trusts can be used to hold assets, but you should note that they don't give you good asset protection. The trust is not protecting the property. Corporations are good asset protection shields. They are primarily used in business structuring, but they can form part of a family asset protection plan. Limited partnerships are another good asset protection tool that can be use in a business structure or a family's asset protection structure. When they are used in a family asset protection plan, they are called a Family Limited Partnership or FLP. In today's legal arsenal, the most flexible tool we have is the LLC or Limited Liability Company. In any asset protection plan, a living trust needs to be used to hold "ownership" of the other entities used, such as the LLC, FLP, and corporations. Using the living trust as part of your asset protection plan, you can avoid lots of estate taxes, avoid probate, and even manage assets from your grave. Order my new book, Guaranteed Millionaire, and learn how to structure your asset protection plan with the living trust at the core. With you order of Guaranteed Millionaire, make sure they include the asset protection DVD, Using the Law to Make Money and Protect Your Assets. It's FREE. Yes, the DVD, which is normally $19.99, is yours FREE. It gives you a great tour of the asset protection tools you can use today. Guardian Selection is so Important in a Will  By : Berber It is always a tragedy when young parents die and it is especially sad, when they have failed to write a will and name guardians. This is one of the saddest areas of Estate Planning law that I deal with. When the judge gives his final determination for guardian, he does the best he can, but without a will naming guardians, he can't know what the parents really want. I have seen families torn apart when the judge makes his final determination. The kids are often taken away and their family seldom, if ever, sees them again. I also have couples come in to do their estate planning and they can't ever complete the task, because they can't select guardians for their kids. Picking guardians is difficult. Who wants custody of your children? Who will take the best care of them? Where will your kids be brought up? Will your children be lovingly cared for? Who do you pick as guardians for the children when you do your estate planning? It isn't easier for the judge, than it is for you. Protect your children by naming guardians for them in your will. Do it now! If you are a grandparent, you need to make sure your kids do their estate planning or at least have wills that name guardians for the grandchildren. As a grandparent, you need to make sure your kids have wills that name guardians for the grandchildren as part of their estate planning. There was one estate planning case where the grandparents hoped to raise their grandchildren when their parents were in an auto accident and died. There wasn't a will. No estate planning had been done.The judge appointed a shoestring relative as guardian. A shoestring relative was appointed by the Court as guardian. The accident acted as a wake up call to the grandparents to get their own estate planning done. They called me and I helped with the trust, wills and other documents. Their orphaned grandchildren were to be left with a substantial amount of their estate. I just helped the grandparents update their trusts and wills, after twenty years, and the grandchildren were removed from the list of beneficiaries. It has been twenty years since the grandparents have seen the grandchildren. The guardian is who the probate court will give legal custody and legal authority to raise your children, after considering who you name in your will. The judge will almost always appoint the selection you have made in your will. Before you do your estate planning or draw up a will, take a moment to think about who and what you really want for your children's guardian. It is an important part of the process. As you write your will you can "educate" the probate court because you understand what it is you want. You should make two or three different guardian selections in your will. When the first selection, for some reason, is unable to serve, then the next in line will serve until one can serve. Every selection the court considers should have restrictions or things for the court to look at. Consider that there may be quite a time lag before the guardians could start to serve and anticipate the changes. The grandparents' service to take care of the grandchildren could be restricted on the condition that they have the health to do it. Protect the children by putting the restriction on the aunt or uncle that they are still happily married to their spouse. You could ask the judge to have the guardians raise the children in your family home, or have them raised in a specific religion. If you give the court guidance, the judge would appreciate it. Lawyers seldom put restrictions like these in a will; it isn't worth their time. Ask your attorney to include these restrictions in your will. Get in depth information on estate planning including information on naming guardians in Guaranteed Millionaire, my new book. Some things are worth more than money. Naming guardians won't give you a million dollars, but it will be well worth it to you. Order my FREE DVD now to receive more information on protecting your financial future. How to Name a Guardian in a Will  By : Berber It is difficult for the court to appoint guardians for children whose parents have died without writing a will and naming the guardians. It is really one of the saddest areas of Estate Planning law that I deal with. I have seen families torn apart when the judge names his final determination for guardian. Of course the judge does the best he can, but without a will naming the guardians, he can't know what the parents really want. The kids are often taken away and their family seldom, if ever, sees them again. I also have couples come in to do their estate planning and they can't ever complete the task, because they can't select guardians for their kids. It is a hard decision. Who wants custody of your children? Who will best raise your children? Where will your children be raised? Will the kids be treasured? When doing your estate planning, you need to carefully pick the guardians for your kids. It isn't easier for the judge, than it is for you. You need to act now to make sure your children are protected by naming guardians for them in your will. If you are a grandparent, you need to make sure your kids do their estate planning or at least have wills that name guardians for the grandchildren. As a grandparent, you need to make sure your kids have wills that name guardians for the grandchildren as part of their estate planning. There was one estate planning case where the grandparents hoped to raise their grandchildren when their parents were in an auto accident and died. There wasn't a will. No estate planning had been done.The judge appointed a shoestring relative as guardian. The Court was petitioned by and appointed a distant relative to be guardian. Shortly after the accident, the grandparents had me make out their own living trust. Their estate plan provided that a substantial amount of their assets be left to the orphaned grandchildren. The grandchildren were just removed from the list of beneficiaries in the trust and will, after twenty years, at the grandparents' request. It has been twenty years and the grandchildren haven't seen and don't even know their grandparents. When you name guardians in your will, the probate court will make the final determination and give that guardian legal custody and legal authority to raise your children. The judge will almost always appoint the selection you have made in your will. It is important before you do your estate planning or make a will to take a moment to think about who and what you really want for your children's guardian. You can "educate" the probate court in your will about what you want in a guardian, if you understand the whys. You should make two or three different guardian selections in your will. Suppose the first in line doesn't work for some reason, the next in line will fill the place until one can serve. Every selection the court considers should have restrictions or things for the court to look at. You don't know how many years from now the guardians will start to serve, so you have to take that time lag into consideration. For example, you could restrict the grandparents' service on the condition that they have the health to take care of the grandchildren. When you want to place the children with an aunt or uncle, put the restriction that they are still happily married to their same spouse. If it is important to you that your children be raised in your family home, or in a specific religion, add that restriction. The judge would appreciate any help you give the court. Lawyers seldom put restrictions like these in a will; it isn't worth their time. Ask your attorney to include these restrictions in your will. Get in depth information on estate planning including information on naming guardians in Guaranteed Millionaire, my new book. Naming guardians won't give you a million dollars, but sometimes things are worth more than money. Take the first step to protect your financial future by ordering my FREE DVD! How to Make Sure Your Trust and Will Avoid Probate  By : Berber The words "living will trust" are not really good legal terminology. However, a lot of people use the term when they are first investigating a living trust. A will is what people naturally think of when we think of how property will be distributed after someone dies. A trust also distributes property after a person's death, which can lead to the confusion and the use of the term "living trust will." A living trust and a will are separate and distinct, although a living trust can be thought of as taking the place of a standard will. So, as a lawyer, if someone asks me about a "living trust will," I'm not sure what they would like.There is a legal document called a living trust and a different legal document called a will. Actually, there should always be a will accompanying a living trust. It is called a "pour over will." A pour over will is a safeguard mechanism for a living trust. Sometimes living trusts are known as --"living revocable trust" or "revocable living trusts". The key here is that they are revocable. Being able to change or rescind the trust at any time is a key element of the revocable living trust. Living trusts will enable people to leave more to their heirs, while avoiding estate taxes and probate. Only if a living trust is properly set up and managed will the heirs be able to avoid the probate process. Most people who get a living trust do not avoid probate. There is a legitimate argument in the legal community against living trusts, because so many of them fail to give the probate protection that was "sold" to the family. The dilemma is not caused by the trust. The way attorneys are educating their clients is the problem. In order to avoid probate, clients need to be educated on how to "use" their living trust. The deceased's assets will need to be probated if the living trust does not function properly. There is no other option than going to the probate court for a prolonged legal proceeding. When there is a will, the probate court will use it to help them make decisions throughout the probate proceedings. An "intestate" proceeding is what takes place when there is no will. When someone dies without a will, he or she is said to be "intestate." A pour over will should be drawn in conjunction with a living revocable trust. When there is a pour over will and if for some reason the assets need to be probated, the probate courts will look to the pour over will to help with the probate process. The pour over will won't be needed if the trust works properly and actually avoids probate. A pour over will does not outline how property is distributed in the same way a traditional will does. When property needs to be probated, the pour over will tells the court that all of the property should be "poured over" into the living revocable trust, and then distributed as outlined in the living trust. In his new book, Guaranteed Millionaire, Lee R. Phillips discusses in detail revocable living trusts and pour over wills. In addition, click the link to order Lee's FREE DVD, "Using the Law to Make Money and Protect Your Assets." Retirement Planning – Start Early and Enjoy Financial Independence  By : moore14960a Everyone retires one day so the earlier you start your retirement planning, the better for your future. If The Wealth Of The Wicked Is Stored Up For The Just, Then Why Are You So Broke? Part 2  By : GetAClue In order to receive that type of wealth, you need to find a way to get it creatively without jeopardizing your faith. It’s not the preacher’s job to go into all the different ways to gain wealth and ways to get out of debt. Their job is to preach the Good News and reach a hurting and dying world. If The Wealth Of The Wicked Is Stored Up For The Just, Then Why Are You So Broke? Part 1  By : GetAClue In the past, preachers were saying, “This is the year of Abundance!” or “This is the year of Overflow!” Or “This is the year of Jubilee!”. Well, how many of you experienced those years of riches and debt freedom? Let's cut power bill and save the environment  By : kaven I believe that every one of us is finding ways to cut the electricity bill and other household expenses wherever possible during this uncertainty economic climate. We either want to eliminate or delay unnecessary expenses like expensive vacation trip, dinning at luxury restaurant and so on and so forth. However, the electricity bill left to be the one of the most challenging bills to be reduced especially for those who have a lot of power sucking appliances at home. Who Are Your Role Models  By : Ken Keis Whomever or whatever we are modeling is influencing our choices and behavior. Will You Get Over Yourself - Please  By : Ken Keis Concerned excessively or exclusively with oneself; seeking or concentrating on one's own advantage, pleasure, or well-being without regard for others; arising from concern with one's own welfare or advantage in disregard of others; genetic material solely concerned with its own replication. Shopping Just Became Work  By : Laura Griffin Prices have been crazy for a long time, but in the last couple of years, we have seen prices simply skyrocket! I am not sure what started the whole madness. It could have been the gas prices, which slowly crept to $4.00 a gallon, or the prices of house reaching over $100,000 for an average home or the price of the average car getting to $30,000. You Can Stop Foreclosure Quick If You Act Fast  By : James Sopher Don't lose your home to foreclosure. There are several ways that you can stop foreclosure and save your home. This article explains your options. Mortgage Rate Modification: Do I Qualify?  By : James Sopher There are certain conditions whereby lenders will consider doing a modification of mortgage. It might be through a mortgage rate modification, or through some other change to the terms of your mortgage. This article explores those scenarios, and also looks at other options you may have to save your home from foreclosure. It's Time You Acted on Your Dreams and Desires  By : Ken Keis Whether you are ready or not, get started now. Fulfillment in life comes from engaging and enjoying your purpose and dreams. What is Your Mindset Toward Money and Materialism  By : Ken Keis Some erroneously link the accumulation of money or wealth to materialism but I contend you do not have to have money or things to be materialistic. Many who are poor are also materialistic. 4 Common Credit Card Debt Settlement Mistakes  By : Teri Miller Handling your debt settlement can negatively or positively impact your long-term financial status. Sometimes just paying off your credit card debt can be damaging to your financial status. To positively impact your financial status, you need to carefully analyze your decisions. You also want to avoid legal issues that could complicate an already escalating financial crisis. Certain methods and mistakes will sabotage the most well-intentioned plans. Most importantly, you want to avoid increasing your credit card debt further. 1. Why Not To Close Your Account Unable to meet rising interest rates and debt balances, some consumers simply opt to give up! Don't fall prey to this trap. Simply closing the accounts, while it solves the issue of new debt, could cause problems. Closing an account may cause your credit rating to fall drastically and your interest rates to increase as a result. Try this alternative: once you've made a decision not to use your credit cards, hide your card or cards away or cut them up. Make yourself a promise and keep it. No new credit card purchases. Meanwhile, continue settling your existing credit card debt. You will eliminate the debt and the spending, without negatively influencing your FICO score. 2. Beware Debt Consolidation Debt consolidation is a popular debt relief option. And it has helped some people to settle debts and improve their financial picture. BE AWARE: it is not necessarily the best option for your situation. There is no one size fits all debt relief program. With debt consolidation, you obtain a new loan from a new creditor that will pay off all your existing debt. Next, you settle those accounts by using checks issued to them by your new creditor. For example, the debt consolidators could be the new lender. You now have only one monthly payment, rather than several. You could also negotiate a low monthly payment on your loan. However, that may extend the life of your loan and payment period. Of course, these debt consolidators charge an up-front fee. Your credit report may reflect your use of a debt consolidator, with the inclusion of a statement of "third-party assistance". 3. Paying High Interest Rate When the issue of credit card debt settlement arises, many debtors have late payments or are in default. Not talking to the credit card company is an obvious mistake frequently made by most debtors. Higher interest rates and fees are charged by the credit card companies as a result. Talking with the company could solve this problem, since your being able to settle all of your debt balance is also in the interest of your credit card company. You now need to negotiate a lower interest rate and a payment schedule that you can meet. Once you have agreed on a lower interest rate, it's important to make punctual payments to avoid voiding your agreement, adding more late payment charges to your balance, and raising the interest rate again. 4. The Hamster Wheel - Opting To Settle Minimum Balance Making only minimum payments often contributes to increasing your credit card debt. If you pay only the minimum balance, your creditors love you. The creditor will be collecting a lot of interest from you on those minimum payments for a long time. If possible, try to make a payment for double your minimum amount as often as you can. You will eliminate a mounting pile of accumulating interest that could really hurt your financial future. When using credit cards, the fantasy of an unlimited pool of money is easily believed. And the credit card companies have had a hand in the deception. Whether due to excessive splurging or having to pay monthly bills when unemployed, unimaginable credit card debts are an unwelcome reality for many Americans. Avoid these 4 common mistakes in credit card debt settlement. Replacing Rage with Composure  By : Ken Keis Since our behaviors always reflect the law of duality, rage is the absence of calmness, harmony, tranquility, or peace. Rage and being completely calm cannot co-exist in the same person at the same time.

[1] [2] [3] [4] [5]