Estate Planning Worksheet: Fill & Download for Free

What are the ten most important things one needs to know about being over sixty?1. You started life in diapers (nappies); expect to end it that way beginning gradually in middle age2. Thankfully discovering how little I no longer care about so much . . . life is literally getting shorterSOURCE:[1]3. No toning or exercise will keep body parts from saggingSOURCE:[2]4. Keep ibuprofen on hand for aging bones and joints (get ready for a medication box for the other ailments that creep up on you)SOURCE:[3]5. Even more so, If it makes no difference then it is not a difference; let it goSOURCE:[4]6. Consider dying broke with only burial insurance[5] [6] ; enjoy your assets now; DownsizeSOURCE:[7]7. Collect experiences: even more so, Life is a Song Worth SingingYouTube8. You are as old as you think you are; it's just a number not a description[8] [9]SOURCE:[10]9. Learn the medical [11] [12] and social services resources in your area[13] [14] [15](may not have time for research when an unexpected need arises; start with Dept. of Aging)Subscribe to AARP[16] , the best overall resource for 50+SOURCE:[17]10. Make clear yourlast arrangement wishes avoiding family bickering;[18] [19]although you will be dead and won't caremedical directives[20] [21] [22]senior care preferences [23] [24] (assure family members if you become too sick, fragile, or mentally incapacitated that outside care is okay; don't make them guilty)where copies of documents; account numbers; logins/passwords[25] [26] [27]where your Will is (DIY and have it notorized)[28]list of assets; POD[29] your accounts to keep out of court or ignite bickeringrecheck beneficiaries (including legacy donations) and contingent beneficiaries if primary diesFootnotes[1] Retirement & Survivors Benefits: Life Expectancy Calculator[2] Ta-Ta Towels: Patented Reversible Towel to Stop Boob Sweat[3] http://Acetaminophen vs. Ibuprofen: What to Take When[4] Let it Go | Compelled Clothing[5] Burial Insurance vs Life Insurance Policy Cost Comparisons[6] Types of Life Insurance for Funeral Costs[7] Die Broke: A Radical Four-Part Financial Plan: Stephen Pollan, Mark Levine: 9780887309427: Amazon.com: Books[8] Age Is Just a Number: Believe You’re Younger and Your Health Will Follow[9] Can We Live Longer but Stay Younger?[10] What if Age Is Nothing but a Mind-Set?[11] List of university hospitals - Wikipedia[12] https://www.usnews.com/education/best-graduate-schools/top-medical-schools/articles/2015/08/05/top-notch-hospitals-that-are-partnered-with-the-best-medical-schools[13] State Health & Human Services[14] Programs & Services[15] Resources Near You[16] Daily News - Health, Money, Social Security, Medicare, Politics - Bulletin Today[17] https://app.emaze.com/mobile/@awitwqof?tgjs=0#/1[18] Funeral Planning Checklist[19] Funeral Planning Worksheet[20] Advance Medical Directives: Power of Attorney & Living Wills[21] Your guide to living wills and other advance directives[22] Free Advance Directive Forms by State from AARP[23] What are my other long-term care choices?[24] Long Term Eldercare Financial Resources and Care Options[25] These Are the Important Papers You Need to Locate After Someone Dies[26] Estate Planning: 11 Things to Do Before You Die[27] You Need to Deal With Your Digital Legacy Right Now[28] Wills FAQ[29] Payable On Death (POD)

Getting more likes on Facebook is very challenging for many businesses and entrepreneurs out there. The fastest way to get more is to buy Facebook likes and this is a very popular method as well. If this is not for you, then read or for some important business tips that may be beneficial for you.What do you need to do to start a business? There are dozens of websites including ours that have checklists that remind you of the many tasks you should perform when starting a business. Although such checklists are very useful because they help you remember important startup steps, they are just To Do lists. They tell you what to do, but don't provide any tips about what makes a business successful.Know yourself, your true motivational level, the amount of money you can risk, and what you're willing to do to be successful. Sure, we all want to make millions of dollars. But what are you willing to give up to reach that goal? How many hours a week will you work on an ongoing basis? How far out of your comfort zone are you willing to stretch? How far will your family stretch with you? To be successful, keep your business plans in line with your personal and family goals and resources.Choose the right business for you. The old formula – find a need and fill it – still works. It will always work. The key to success is finding needs that you can fill, that you want to fill, and that will produce enough income to build a profitable business.Be sure there really is a market for what you want to sell. One of the biggest mistakes startups make is to assume a lot of people will want to buy a particular product or service, because the business owner likes the ideas or knows one or two people who want the product or service. To minimize your risk for loss, never assume there is a market. Research the idea. Talk to real potential prospects (who aren't family and friends) to find out if what you want to sell is something they'd be interested in buying, and if so, what they'd pay for the product or service.Plan to succeed. If you're not seeking investors or putting a huge sum of money into your business, you may not need an elaborate business plan, but you still do need a plan - one that specifies your goal – your destination – and then lays out at least a skeletal roadmap for how you'll get to where you want to go. The plan will change as you progress and learn more about your customers and competition, but it will still help you stay focused and headed in the right directions. Use our business planning worksheet to help develop that basic plan.Don't procrastinate. I've heard some people advise would-be business owners to not move ahead with their business until they have investigated every last detail of the business they want to start, and are absolutely sure it's all going to work and be profitable. The problem with that approach is that it leads to procrastination. No one ever really has all the pieces in place – even after they've started their business. Yes, you need to research the market, have a rudimentary plan in place and do things like get a tax id if needed, register with local officials, if required, etc. But if you try to make everything perfect before you launch, you may never get around to starting the business at all.Start on a small scale before going all out. Some people believe that entrepreneurs are risk-takers. But for the most part, successful entrepreneurs don't like walking blindfolded on a limb. Instead, they take controlled risks. They test an idea on a small scale, then build on what works well, tweak what shows promise and discard the disasters.Don't fixate on mistakes or get demoralized by them. The difference between successful people and everyone else is that the successful people learn from their mistakes and move on. They don't dwell on failure, blame the economy, curse their bad luck, or blame other people for their fate. If the path to their goal is blocked, they look for an alternate path, or sometimes choose a different, more attainable goal.Learn from others. Find mentors, join groups with like-minded people, learn everything you can about your industry and what it takes to get from where you are to where you want to be. Attend industry conferences. Take training courses when they are available. Buy courses offered by experts. You'll save a tremendous amount of trial and error by learning from people who have been there before.Think of what you do AS a business. Keep track of income and expenses, keep business money separate from personal funds, find out what regulations your business needs to abide by.Understand the difference between working for yourself and building an ongoing business. If you want to build a business, you need to develop systems and methods that allow you to hire other people to DO the work of the business while you plan it. You limit the potential for growth if you don't bring in other people to work for you.Get to know investors. If the business you are starting will need investors to grow, do what you can to find out what investors are looking for and where to find those who might invest in your kind of business. Local angel and venture capital groups are a good place to start – attend meetings they hold or meetings that investors are speaking at.Never stop learning and trying new things. What's profitable now, won't necessarily be profitable next year or 10 years from now. So, don't let yourself fall into the "this is the way I've always done things" rut. Keep your eyes and ears open for new things. Are there newer or better ways to market your products and services? Are customers asking for something you're not offering? Is there a different type of customer you should be targeting? Get answers by reading everything you can about your industry and listening to your customers.

Only in an alternative universe could repealing or fixing the myriad problems associated with Obamacare / Affordable Care Act be termed "destroying" when, in fact, it is crumbling under its own weight:But now, Investor's Business Daily is out with another look at those sixteen cities and they found that the cost of the cheapest Bronze Plan for a 40-year-old non-smoker earning 225% of the poverty level ($26,260) will jump an average of 13.9%.So, if you are that 40-year old non-smoker earning $26K in Seattle and facing a 64% premium increase, what ARE YOU going to do when you can't afford coverage under the 2015 Bronze plans? OK, this 40-year old could somehow sell his/her home and move to Hartford, BUT that could trigger a tax (see below).Obamacare Bonus: Let us not forget the sense of outrage homeowners feel when they are now confronted with the 3.8% transaction tax on real estate profits snopes.com: Home Sales Tax and other capital gains as shown in this worksheet: NAR worksheet.So, as this example demonstrates, this couple's annual health insurance costs should reflect an additional $3,230 over and above premium costs: