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Messages - y04185

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Pay attention

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Nobody likes to plan for events like aging, incapacitation or death. But failing to do so can cause families burden and grief, thousands of dollars, and hundreds of hours.

It is estimated that more than 50 percent of all Americans don’t have a will, and in our Future File business, we have estimated that less than 10 percent of the U.S. population has a complete legacy and wishes planning system.

Preparing for life’s unexpected events is crucial but can often be a difficult process to navigate. Here are the top estate planning mistakes to avoid, according to industry experts:

1. Not having a will (or one that can be found)

The leading mistake is simply not having a will in the first place. As Kelly Dancy, an attorney at Walny Legal Group, says, “Estate planning is critically important to protect an individual, their family, and their hard-earned assets, during their lifetime, during any period of incapacity and upon their deaths. Everyone needs estate planning documents, regardless of the amount of assets that they have.”

Despite knowing this, too many people put off gathering key documents together. Tim Hewson, president of, believes that “waiting for a ‘more appropriate time’ to put together your will is a mistake. Everybody should have a will. It should be written when you are young and updated throughout your life as your circumstances change.”

2. Neglecting to choose and update appropriate beneficiaries

When you have an asset that has a beneficiary designation, that will supersede anything written in a will. Ryan Repko, a financial advisor at Ruedi Wealth Management, suggests that you review your 401(k), IRA, life insurance and any other accounts with beneficiaries after major life events.

He says, “The most grievous example [of a beneficiary issue] is when a married couple divorces, then remarries without changing the beneficiary to the new spouse. In this all-too-common and completely avoidable scenario, the ex-spouse is legally entitled to the assets, and a lengthy legal battle ensues on behalf of the new spouse and/or the children to claim the assets.”

Daci L. Jett, managing attorney at Daci Jett Law LLC, identifies another mistake that impacts people with minor children. “A mistake people make is choosing a guardian for their minor children and then naming that person as beneficiary of their life insurance instead of leaving it to a trust for their child. A named beneficiary becomes the legal owner for all purposes of the life insurance proceeds and your minor child has no recourse to get that money. Plus, it exposes the money to the beneficiary's creditors and spouse.”

Hilary Fuelleborn, an estate planning attorney with Luskus & Fuelleborn P.C., also says that not being clear about beneficiaries or ownership can create issues with the way the assets pass on to their heirs. She notes, “As parents get older, they will often put an adult child on a bank account to allow the child to pay bills for the parent. This can be a big mistake. Upon death of the parent, that joint account automatically becomes the property of that adult child, regardless of the will that may designate all property to be divided equally amongst all children. So, if there is $100,000 in a bank account that is joint with one child, upon the parent's death, that $100,000 belongs to that one child, regardless of whether that was the parent's intent.”

3. Overlooking the importance of powers of attorney for kids over 18 years old

General Discussion Forum / Re: Very sad state of our youth
« on: Today at 11:17:37 AM »
:no: Who told women it was sexy to fight? :shrug:

Their mothers

I would not put that on just women. I see a lot of men encouraging the behavior.

It's because the mothers are choosing to raise their children without a father.

Sports Forum / Re: HBCU Attendance: Week 7..
« on: Today at 09:26:49 AM »
This continued conversation about attendance while your football team is losing is baffling to me

Not as baffling as a winning team who can't consistently sell out their 21K seat stadium.

I thank God JSU fans actually support their school and team in large numbers whether they win or lose.

as long as the bills are paid , don't really understand why the attendance is the be all be all. Winning the game is what i thought was most important in an athletic contest but maybe not

If a topic about tailgating comes up, why talk about who has the best STEM program?

Stop trying to "All Lives Matter" this topic.

Bwhahaha, instead of boasting about numbers that really have no bearing on anything , why not share ideas on how schools can increase their attendance. There are plenty of school leaders who are on this site and would possibly use your idea.

And since i'm ALL LIVES MATTERING this topic, Congrats to JSU on leading the HBCU world in attendance

Actually, JSU leads the entire FCS in attendance...again.

I merely post the numbers so I'm sorry if it comes off as boasting.

I will be glad to share ideas to improve the culture of support, especially at A&T. You Aggies have a disconnect with the local community which was once a strong bond during the Hayes era and in the mid 2000s. You guys need to start polling your constituents on which OOC teams THEY would like to see A&T play at home and on the road.

You develop a fan base.  With a fan base it doesn't matter who you play.   Don't be like FSU and only show up depending on the other school's band.

General Discussion Forum / Re: Very sad state of our youth
« on: Today at 08:09:21 AM »
:no: Who told women it was sexy to fight? :shrug:

Their mothers

Sports Forum / Re: NCCU Football got problems on ESPNU
« on: Today at 07:47:29 AM »
Slope, you went low with that video clip, I’ll go high with my remarks.  If NCCU was undefeated now, you would be sitting at every game talking smack.  Have a great day Slope

If were undefeated and not scored on I still would not be at anymore games than the one last Thursday.  My health will not allow it.

FSUHALL needs to be put in his place every now and then.  He needs to be reminded that he only went to that teachers college on Murchinson Road.    :lmao:

Now your blaming your health for being a fair weather eagle.  Just rent a crane to lift your fat a-- and put you on that flatbed Peterbilt. 

Good one y. ;D



He should have called Lyft

Sports Forum / Re: 0-6
« on: Today at 07:40:03 AM »

No shots fired at the Boca Raton mall. A loud noise and people panicked. Trump and his minions have people in this country so f'ed up, they're afraid of their own shadows.

Knee grow please.  Why are you giving your president, Donald John Trump, so much credit.  You really love old fat white men.

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 Isabel Albright of San Lorenzo was among the oldest people in America - living through two world wars, 18 presidents and six moon landings.

She was born before television came into being.

Yet, ironically, she didn't outlive her satellite TV contract. And that was a problem.

"Everything was fine until we went to disconnect and that's when all the surprises happened,'' said her son in law, John Manrique of Hayward.

Albright died last December at the remarkable age of 102. The family has been repairing the house for sale, sifting through boxes, closing up a life that spanned a whole century.

Which was why the last bill from DirecTV seemed so galling: Although she lived more than 100 years, Albright still received an "early termination fee'' from DirecTV.

After what they did in 2012 I'm not surprised.

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Undercover recordings made by an alleged 'whistleblower' capture CNN employees casually confirming the network's anti-Trump bias and show company president Jeff Zucker telling top news executives to focus solely on impeachment even at the expense of other important news, according to the conservative activist group that posted the bombshell footage online.

Project Veritas, whose founder, James O'Keefe, describes himself as a “guerrilla journalist” -- built up the release on social media with an "#ExposeCNN" hashtag, and Monday published the first segment of what is billed as a multi-part series. The video features Cary Poarch, who claims he was a satellite uplink technician at CNN’s Washington Bureau before, he says, his “dream job” quickly turned into a nightmare due to CNN's blatant bias.

“I don’t care about the MSNBC event, OK? I don’t care about them. Let’s just stay very focused on impeachment,” a person identified as Zucker says in the recording. “We shouldn’t just pretend, oh, this is going one way. And so all of these moves are toward impeachment.”

How's that gun control working in Chicago?

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A Chicago man with “anger management issues” killed four of his neighbors as they ate dinner and critically wounded another in a shooting Saturday at an apartment complex on the city’s Northwest Side, police said.

You people have been replaced. 

'87 has a point.

The penalties for this isn't severe enough. 

For the first offense the school should be fined for each player.  All players suspended for the next game.  If it's the last game of the season and seniors are involved they will be banned from post season play.  If no post season then a minimum of 60 hours of community service.

Second offense the school is fined triple for each player.  The student is suspended for the rest of the season. To include the post season.

Third offense the school is fined for each player.  Banned from post season play for three seasons. Players with a third offense will be banned from CIAA. If transferring to another school that school has to show cause.

When necessary, file criminal charges.

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