Facing Facts
 It has been said
that there are only two certainties in life: death and taxes. Nevertheless, even these two certainties differ markedly in their respective degrees of certainty. Whereas taxes
can be minimized, deferred or even legally avoided (but not evaded, as discovered by infamous gangster Al Capone), death awaits us all and is often preceded by a period of
incapacity. Whether one is a prince or a pauper, both incapacity and death can arrive without warning.
Therefore, it is essential that you make appropriate estate plans now to take care of your loved ones and your hard-earned assets before it is too late. In this
article we will highlight some critical issues to address while there is still time to plan.
Incapacity Planning
Do you read the newspaper, listen to the radio or watch television? If so, then you know that accidents and dread diseases are part of our everyday human
experience. We all believe such tragedies will befall someone else. But what if you made the headlines or the lead story? If you were incapacitated today, who would make your important
personal, health care and financial decisions tomorrow? Would it be someone you appoint through proper legal instruments or someone appointed for you by a court? The choice is yours.
* The future of this tax exemption is uncertain, at best.
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Lasting Letters
 Sunrise,
Sunset. Time has wings. Have you ever lost a loved one, whether a family member or friend? Do you have any regrets? Did you have any unfinished business with them? Is there anything
you would have shared with them, but time was cut short? If so, then you are in good company.
The failure to communicate is a problem common to all of humankind in this journey called life, even with our cell phones, pagers, faxes, email accounts and
access to the World Wide Web. Real, lasting communication seems to have gone the way of the lost art of pen-and-paper letter writing. In this article we encourage you to recover that lost
art through
lasting letters to loved ones (family and friends). Whether you choose to send these letters while you are alive, or incorporate them into your estate plan to be given after your
death, they surely will be appreciated by your loved ones.
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