receipts-300x236The saying “you can’t take it with you” is meant to remind people that no matter how much wealth you accumulate in your lifetime, you’ll have to leave it behind when you shuffle off this mortal coil. Unfortunately, for your heirs, the same goes for your debts.

Turns out that dying is no excuse for defaulting on debt. The pertinent questions then become

a) who is responsible for making good on any financial obligations, and

images-300x168The connection between humans and dogs is one that hearkens back to ancient and even prehistoric times. Archaeological evidence of canine domestication dates back some 15,000 years, and some experts believe our interspecies love affair may stretch as far back as 30,000 years ago.

While there is still some debate about just how long we humans have been vulnerable to the charms of big, sad puppy eyes and fluffy tummies, there is no question that our relationship with these animals has evolved greatly over the ages. In the earliest days, dogs helped with hunting and guarding in exchange for a share of the food and the comforts of life in a mixed-species pack.

Today, dogs are primarily cherished companions—four-legged family members. But there are still many who pull their weight by providing all kinds of valuable services to the humans they love.

AdobeStock_170542423-300x200By Jeffrey S. Rivard

Exciting news for estate planning practitioners and their clients!

Recently, on the very last day of its legislative session, Connecticut’s General Assembly enacted HB 7104 “An Act Concerning Adoption of the Connecticut Uniform Trust Code” (the “Act”).

fun young woman scolding or reprimanding with softnessWe spend our lives doing everything we can to provide for our loved ones. We work hard to make sure they have the material, emotional, and financial resources they need to feel secure and cared for.

We do whatever we can to help them achieve their goals.

But, life can be unpredictable; and you can’t plan for every potential eventuality. Life insurance provides a means by which you can preserve your family members’ well-being and ensure their ability to pursue their dreams.

And yet, many people choose not to purchase life insurance. Go figure! Continue reading

AdobeStock_69276169-300x200Seeking competitive advantages is a key part of any business’ survival strategy. Whether you are running an auto parts store, advertising agency, or global tech firm, your venture has a better chance at long-term success if you are able to uncover unique ways to gain an edge over your competitors. Today, some of the savviest corporations and small businesses are doing just that by hiring people with disabilities.

There are a great many misconceptions about how employees with disabilities affect the efficiency and profitability of the companies that hire them. Far too many people still believe long-outdated ideas about the capabilities of individuals with physical and intellectual disabilities. Recent research, however, is breaking down these archaic notions to reveal the huge potential in an inclusive and diverse workforce that includes people with disabilities.

Take for instance the findings of the U.S. Department of Labor, which reported that employers who embrace disability as a core part of their staffing plan typically see:

AdobeStock_56917751-300x200It’s never too late to explore your artistic side. In fact, many people discover that the second half of life is the perfect time to learn an art or craft.

Whether you decide to pick up a pencil or a paintbrush, sit down at a potter’s wheel, or strap on some dancing shoes, the arts offer countless opportunities for enrichment, fulfillment, and joy.

Many of our most beloved artists got their starts later in life. Monet didn’t get serious about painting until he was in his forties. Forty may be young by today’s standards, but in Monet’s day the average life expectancy hovered around the early sixties, making forty almost “venerable.”

AdobeStock_85578442-300x200There is no right way to grieve the loss of a loved one.

There is plenty of advice, but anyone who has first-hand experience will tell you that each of us needs to find our own way. Coming to terms with such loss is a process, and it’s one that can take many forms.

An important part of the process for many is memorializing the deceased in some way. Traditionally, commemoration of an individual’s life takes place over the course of a wake, a funeral, and a burial. These rites and rituals, with deep cultural and sociological roots, often help to give friends and family some closure. At the same time, the grave site provides a physical space where those in mourning can go to grieve, to remember, to converse with the dead.

AdobeStock_82245763-copy-300x200So you’ve decided a living trust is appropriate for you. You’ve met with your attorney, made all the decisions about how you want any money in the trust to be spent, you’ve signed the document and placed it in a safe place.

But you’re not done.

Funding your revocable living trust is just as important as setting up your trust in the first place.

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