What You Need to Know About Estate Planning

Sat 08 July 2017

Most of us do not want to think about estate planning. It seems morbid to think about our demise, so we sweep it under the rug and don't prepare ourselves and our families for the worst. However, without estate planning, your family will have to deal with a trip to probate court. Your family will have enough to deal with, so take care of your planning, and you'll be doing them a big favor. Visit http://www.thomasmckenzielaw.com/ for estate law information

Can I Use Estate Planning Software?

If you check your local computer store, you can usually find several versions of planning software. You may wonder, though, are they legally binding?

Will the information apply to my state and my situation?

The good news is that estate planning software has never been easier to use. Often, you simply start the program, answer a series of questions, and the necessary documents are prepared, ready to print. However, you should still have all documents checked by an attorney. Even with an attorney's fee, you can still save a lot of money with planning software. The time it takes the lawyer to review your documents will be very short compared to having original papers drawn up. With software prices getting lower every day, you can find a good estate planning program for less than $50 at most stores where software is sold.

What Do I Need Besides a Will?

Considering that you are over 21, you will need a health care proxy and a durable power of attorney. Find these forms in your planning software, or ask your lawyer. They will save you a lot of time in case of an emergency medical situation. These documents shouldn't need to be updated unless something drastic happens, such as the person that you chose to have power of attorney passes away, but you should review your will every few years. Laws governing estate planning can change frequently.

Make sure to update your will any time there is a marriage, divorce, death of a spouse, birth or adoption of children, or a move to another state. Make sure the changes are made to your will as soon as possible. For example, you wouldn't want a child deprived of his or her inheritance, or your ex-spouse to gain control of your estate. These examples should help you see why proper planning is so important! Try to be disciplined and not allow more than a month to go by after significant events before you update your will as needed.

What Else Is Involved in Estate Planning?

When handling your planning, you want to be sure not to miss any steps. Whether you use estate planning software or have an attorney handle the necessary documents, you'll want to take exceptional care to make sure that all the proprieties are observed. Make sure that your will is witnessed by the correct number of people. Also, none of your witnesses should be your beneficiaries. Ascertain that you have a named executor and that this person is willing and able to handle your estate when needed.

Some of the planning choices that you'll need to make will be personal, such as guardianships for your children, and some will be pure business, such as how to handle your stake in your family's company. When it comes to estate planning, each and every decision is important to your loved ones' futures. Don't allow your distaste on the subject of planning to keep you from handling this task as soon as possible. If you've never done any planning like this, start today.

If you've had all of your pertinent estate planning finished for years, have it reviewed. It's just too vital to be put off another day. Think of your family and get going!

Category: misc

Cleaning Your Diamond Jewelry

Fri 09 December 2016

Cleaning diamond jewelry must be done carefully to prevent damage to the diamond or other gemstone jewelry and in order to preserve its lustrous beauty. Cleaning diamond jewelry ensures the longevity of your investment and in the maintaining of the gemstones luxurious beauty for years to come.

As you wear your diamond jewelry, oils from skin contact are susceptible to build up on the surface of your precious gemstones. When the build up of oils on your jewelry occurs, proper cleaning will bring back the lustrous beauty your jewelry once had. The best place to buy diamonds and engagement rings has been discussed at length. So we won't go into that.

A common home solution that is ideal for the maintenance of your diamond gemstone is a non-abrasive cleaning agent such as in ammonia based household cleaner, often used as a window cleaner. A less chemically abrasive solution in cleaning your diamond is a mixture of one-part vinegar to two-part cold water. Dip your diamond gemstone in the cleaning solution and gently wipe in circular motions with a cotton swab. Rinse the diamond in warm water and pat dry with a lint free cloth.

Diamond gemstones that are set into a jewelry piece require special attention to its care. Not only are abrasives harmful to your gemstones but, chlorine and strong ammonia based solutions are harmful to most precious metals and can promote premature erosion of your jewelry. James allen is a great store that was reviewed here.

Diamond jewelry settings should be cleaned with caution in order not to loosen the gemstone from the delicate posts that secure the precious stone in place. Cleaning the jewelry piece can be accomplished by mixing a solution of one-part mild liquid dishwashing soap with two-part warm water. Use a cotton swab to dip into the solution and then use small circular motions to clean the entire jewelry piece. Take exceptional care around the prongs of the setting to ensure that the gemstone stays in place and does not become loose. Thoroughly rinse the diamond jewelry piece with cool water and lightly pat dry with a lint free cloth.

Occasionally, you will come across a jewelry piece that has become encrusted with sediment due to improper storage or neglect. To bring the diamond jewelry back to life with restoring its original luster, you may want to consider using a professional jewelry cleaning solution found at many jewelry outlets in your area. An ultra sonic cleaning kit can safely remove grime buildup, which is a process of using a commercial cleaning solution and high frequency sound waves.

Although, self cleaning your diamond jewelry is practical and wise for most uses, heirloom diamond jewelry should be restored by a professional jeweler that is bonded and insured. A professional jeweler will be able to identify the alloys within the precious metals that your heirloom diamond gemstone is set in. Taking the extra precaution in preserving the value of your investment will be their first and foremost concern.

Allowing a professional jewelry cleaner perform the initial cleaning of your heirloom diamond jewelry piece will permit the jeweler to inform you of any special maintenance or repairs that your heirloom may need in order to preserve its value over the long term.

Category: Fashion Tagged: jewelry diamonds engagement rings cleaning

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