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While the living trust is the most flexible device used to avoid the costs and delays of probate, there are much simpler ways of effectively accomplishing the same things. One such way is through what is known as a “payable-on death” accounts. Here are some common questions and answers.
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Millions of baby boomers that had hoped to enjoy their retirement as an endless vacation, are instead preparing for a new stage of work driven by the need to make ends meet in one of the worst and deepest economic downturns since the great depression.
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Even in healthy men, increasing levels of stress can lead to erectile dysfunction. In a recent university study involving 150 cases of men suffering from erectile dysfunction, it was found that over eighty-percent of them were impotent due to psychological reasons rather then physical ones. The most common among them being financial trouble.
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Can a bad recession cause a bad depression? You bet, especially if the type of depression we are speaking of occurs within the three-pound universe we call the human mind.
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Under the legal doctrine of insurance bad faith, insurance companies, by law, owe their policyholders a duty to act fairly with them and in good faith, irrespective of whether or not the insurance policy expressly states so. The duty of good faith is central to how insurance companies under the law must conduct themselves with their insured. What insurance companies often do in practice however is another matter.
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The 250,000 physician based American Medical Association (AMA) has formally changed its position relative to the use and safety of medical marijuana in the United States. Previously, the largest medical association in the country had taken the position similar to the federal government that marijuana be classified as a schedule two drug – like cocaine, heroine and LSD. Schedule two drugs are currently considered by the DEA to be highly addictive and lacking any medical value. However, over the past thirty years there has been mounting evidence that marijuana possesses a variety of medicinal properties that can no longer be ignored by the medical community.
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What is the special significance of possession of one ounce verses some other weight measurement of marijuana? Most criminal defense marijuana lawyers agree that exceeding the one-ounce threshold can often pose significant legal consequences depending on your states marijuana and paraphernalia laws.
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The current healthcare debate is now turning to the issue of medical malpractice tort reform. For decades now, the health insurance industry and its lobbyists have been quick to attribute the high cost of healthcare to frivolous litigation and the so-called resulting escalating costs of medical malpractice insurance premiums doctors and hospitals have been required to pay.
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A negative credit report can prevent you from obtaining credit. In a faltering economy this can translate into a lost opportunity for yourself and your family.
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Smoke and ash damage is very difficult to see unless you know where to look and how to look. Also, partial property losses caused by wildfire smoke and ash are much more difficult for homeowners to prove and settle on their own. In partial loss cases, most of the damage is not readily visible and trying to prove it against a seasoned insurance adjuster can end up costing you big dollars in the end.
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