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Benefits of a Filing System
Follow these suggestions for organizing your paperwork so that you'll be better prepared for tax season.
You have permission to publish this article in its entirety as long as the bylines are included. A courtesy copy of your publication...
Customer Service and Call Center Outsourcing, What's The Buzz?
The buzz is all about customer service and call center outsourcing, also known as BPO (Business Process Outsourcing). According to Gartner, the outsourcing market in Europe has grown with over 6%, BPO with 10%. The market for offshore...
FILING: How To Find What You Need When You Need It
Filing: How To Find What You Need When You Need It Nobody enjoys filing, at least nobody I?ve ever met. But like it or not, keeping track of paper information is crucial to living an organized life or running a successful business. The biggest...
Resourceful Redecorating........ Budget Friendly Home Decorating
Spring is here and for many of us it's the perfect time to organize and decorate. As winter passes into spring, it's out with the old look and in with the new look. This is a great time to bring some new ideas into your home and liven things up! ...
Two Proven Techniques that Successful People Do to Double or Triple Their Time in a Day
They say that time is much more important than wealth. Most effective people think so. They know how to get more time in a day, and they have mastered the art of utilizing time effectively to do more productive things that contribute to their...
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How to Write a Will
Just thinking about how to write a will is enough to put some people off. It does not have to be a morbid experience. It is a necessity and makes for good financial sense.
Start by organizing what you need: outline your objectives, inventory your assets, estimate your outstanding debts and prepare a list of family members and other beneficiaries. Use this information to carefully consider how you want to distribute your assets. Ask yourself lots of questions: Is it important to pass my property to my heirs in the most tax-efficient manner? Do I need to establish a trust to provide for my spouse or other beneficiaries? How much money will my grandchild need for college?
Taking inventory of the assets may be the key to making a will. Assets should be mentioned in your will. Any items not specifically mentioned may be addressed in a catchall clause of your will called a residuary clause, which generally states, "I give the remainder of my estate to ..." Without this clause, items not specifically mentioned will be distributed in accordance with law.
Outstanding debts usually will be paid by your estate before your beneficiaries receive their shares. You may want to clear up debts that you know will be a problem, or make specific provisions for payment of those debts in your will.
Remember to be specific
and clear when naming beneficiaries. For example, state the person's full name as well as his or her relationship to you (child, cousin, friend, etc.) so your executor will know exactly who you mean. Clarity will also help to prevent challenges to your will.
Do not forget to get the will witnessed. A witness should not be a beneficiary under the will. Only one copy should be signed.
Once your will is written, store it in a safe place that is accessible to others after your death. If you had a solicitor prepare your will, have him or her retain a copy with a note stating where the original can be found.
The end of your life is something you probably don't want to dwell on, but thinking about what will happen to your loved ones and your assets and personal possessions is important.
Making sure you've done all you can to make their lives easier will give you peace of mind. And once your will is drafted, you won't have to think about it again unless something significant in your life changes.
You may freely reprint this article provided the author's biography remains intact:
About the Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.
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