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When you buy a life insurance policy as part of your estate planning efforts, you get to pick beneficiaries for the plan. These are simply the people who get paid when you pass away and the policy pays out. If they do not match what you write in your will, the...
Some of the negative rumors about bankruptcy floating around can keep people from filing when they would actually benefit substantially from an automatic stay and a discharge of their unsecured debt. One of the most persistent and harmful myths about bankruptcy is...
Estate planning is planning for the unknown. Giving someone power of attorney, to make a decision when you cannot, is part of that plan. They can do things or make decisions on your behalf if you are unable to for some reason. There are two types of power of attorney:...
Did you know that the average household in America has $5,700 in debt? That debt may be held as credit card debt or other types, but it can certainly weigh down your ability to afford a comfortable lifestyle. As someone who is in a balance-carrying household, you...
More and more people in East Brunswick, NJ, are realizing the importance of proper estate planning. As such, knowledge about the many options to choose from when planning an estate is growing. Despite the ongoing spread of knowledge, many estate planning terms and...
As you do your estate planning, do you find yourself wondering if you have too much debt? Maybe you’re concerned that you’re not leaving a positive legacy for your children. Instead, you’re just leaving them a lot of debt that they’re somehow going to have to pay once...
People often feel like they can control whether they go bankrupt. They assume that they can make wise spending choices, keep a budget or avoid credit cards. They assume that those who do file for bankruptcy must have made some serious mistakes. The truth, though, is...
You spent months making an estate plan: a will, trust, burial plans, power of attorneys. Still, you will have to continue working on it because estate planning isn’t a one-and-done situation. Your life changes, so you have to change your estate plan with it. It’s...
If you struggle each month to pay the minimum due on all your debts and bills, you may console yourself by saying that many others are in the same situation. You may do your best week after week and still find you are barely treading water where your finances are...
One dangerous myth about estate planning is that creating a plan is something only senior citizens need to do. If you are not close to retirement, you may believe you have no need to plan your estate. However, nothing could be further from the truth, and such...