When To Update Your Will

Good Reasons to Change Your Will

Life is ever-changing and so are your estate-planning needs

This article from the AARP web site addresses events in life that would give you reason to update your will. Life events such as getting married or separated, having children or grandchildren, death of a spouse, and retirement. Many things can happen over the course of a year, ordinary life events that can be significant to how your will is structured, but can often be overlooked without an annual review. Some people just don't think about updating their will, others put off updating because of the expense. Unfortunately, many just don't have a will at all, either they are ignoring the inevitable, or, the expense of having a proper will made out deters them, sometimes they just don't know who to talk to.

With Pre-Paid Legals Life Events Legal Plans the excuses for not having and updating your will have been removed. With a Life Events Plan the preparation of your will and your living will are included in the small monthly membership. Annual updating of your will and living will are also included in the plans. There are many benefits to the Life Events Plans, but this one single part of the plans more than pays for the price of membership, both monetarily and with peace of mind that your affairs are in order and will stay that way regardless of what life events occur to change your situation.

Visit my business site or contact me today to start your Life Events membership. Don't put off the inevitable any longer, don't miss an important change that can cause loved ones an unnecessary burden, and no longer feel you can't afford a well drawn up will or don't know who to talk to.

What Is Your Retirement Back Up Plan?

Older Workers May Never Recover From Great Recession - Savings, Retirement Effect - AARP Bulletin

This article on the AARP web site addresses the double pronged problem the recession has faced older workers with. They have been forced to drain savings and retirement funds in order to survive today at the risk of their future. At the same time unemployment of those over 55 is the highest it has been in 60 years. We no longer have the long term employment with pension plans that so many of our parents could rely on, and the 401k's we once felt were so secure have been battered by the economy like a small dingy in a hurricane.

Many are willing, and in fact prefer, to work as long as possible before taking permanent retirement, but the options for a livable wage job are slim and the competition for these jobs are fierce. There is an alternative however, the time may be ripe to start your own business. With the right opportunity you can not only earn a living now and into the future, but also create a residual income that can help you reach the point where you no longer have to work.

There are four elements you should look for when looking to affiliate yourself with a company: are they financially strong; is the timing right, in other words is there a clear need for the product or service; market availability, how many need the product or service compared to how many are providing such; competitive edge, does the company you are looking to associate with have a unique offer that is unmatched by any perceived competitors.

I invite you to check out Pre-Paid Legal Services. They have been in business for almost forty years, are listed on the New York Stock Exchange, have been featured in Forbes, Money, and many other respected business journals, and have an A+ rating with the BBB. The first company to offer legal service plans in the United States, their Life Events Legal Plans offer features and benefits unmatched in the industry, offering coverage in all fifty states and four Canadian provinces.

Pre-Paid Legal Services Inc. is a solid company offering an outstanding opportunity that anyone, regardless of background and education, can be successful in. One which you are never too old to start. If you are interested please contact me. We have the team and training in place to make sure you are as successful as you are willing to be.

Credit Card Skimming

Credit card skimming is one of the most common and undetectable methods of identity theft. There are three main opportunities for the identity thief to rob your identity by credit card skimming; at the gas pump, at the atm, and anytime you hand your credit or debit card over to someone who leaves your sight in order to process a payment, such as to a waitperson in a restaurant . As this news report shows the identity theft is quick and most times undetected, a hand held credit card skimmer is often used by service people or, they will place the credit card skimmer on an atm or other card reading device and come back and collect the days stolen credit information at a later time. Identity theft has become a common occurrence, everyone is a potential victim, protect yourself and your family with Identity Theft Shield and a Life Events Legal Plan with Pre-Paid Legal, and ounce of prevention is worth a pound of cure.

Pre-Paid Legal Services vs. Private Practice Delivery Model

Back to the Future in Legal Services: 40 Years and Counting -- ADA, Okla., May 19, 2011 /PRNewswire/ --

In the above article you will find the views of attorneys on the advantages of the Pre-Paid Legal Life Events membership as opposed to acquiring an attorney through conventional means, or going without one at all. One thing that stood out to me is that attorneys within the Pre-Paid Legal providers system are not worried about billable hours, they can concentrate on your situation. In addition there is no fee for first time consultation and many of your most common legal needs such as will preparation and contract reviews are included in your low monthly membership fee. Take a look, I think you will find that Pre-Paid Legal Services offer superior value compared to hiring an attorney through standard means, and much more sensible than trying to go it alone.

If this makes sense to you, don't you think it would make sense to people you know? Pre-Paid Legal is an excellent part-time business you can work from home or wherever you are at the moment. Many are making a full time income part time, sometimes exceeding the income from their full time job. Many others have grown to the point of making a full time business of Pre-Paid Legal. If you would like more information please contact me.

Scanning Your Identity: Who's at Risk? | Today's TMJ4 - Milwaukee, Wisconsin News, Weather, Sports, WTMJ | Special Assignment

Scanning Your Identity: Who's at Risk? | Today's TMJ4 - Milwaukee, Wisconsin News, Weather, Sports, WTMJ | Special Assignment

This is just one of many current news articles you can find everyday concerning identity theft. What this article demonstrates is the ease with which an individuals identity can be compromised, and the lack of concern identity thieves have for their victims.

This article's subject is about the use of a free smartphone app that reads barcodes. Now there is nothing wrong with the app itself, it would be very useful for shoppers, price checkers, and many other legitimate uses. The problem comes in with the fact that many businesses and institutions, such as the VA in this story, make personal information available through bar scans, up to and including your social security number. The fact that identity thieves are preying on patients in a VA hospital only magnifies the point that they do not care who the victims might be, from newborns to those who have already passed, like flowing water these people take the easiest path to their destination, profiting off someone else's identity.

The sad thing is most identity thieves get away with it because the crimes are usually not noticed until much later, and as with most crimes, the sooner it is identified the more likely the suspects will be apprehended. With Identity Theft Shield from Pre-Paid legal, your credit information is constantly monitored and any activity is reported to you in a timely manner so you will know if anything unauthorized has occurred. If credit damage does happen, your Identity Theft Shield will work to restore your credit and won't stop until you are satisfied.

Identity Theft Shield combined with a Live Events Legal Plan from Pre-Paid Legal gives you the most complete Identity Theft Protection on the market today. Don't wait to become a statistic contact me today for more information on Pre-Paid Legal's Identity Theft Shield and Life Events Plans.

Why Don’t People Call Attorneys?

There are three main reasons people don't seek legal council:

•  They are intimidated by lawyers.
•  They don’t know who to call.
•  They believe it would cost too much.

When the majority of people are confronted with a legal dispute the most common response is to either ignore the problem or try and handle it themselves.

There are many people, probably someone you know, who have a legal situation right now and may not even be aware of it. If they do know about it, they have had to weigh the cost of hiring a lawyer to help them against the possible financial loss associated with not hiring a lawyer. A Pre-Paid Legal membership helps eliminate that conflict.

Ask a lawyer if there is a need for their services, and they will tell you yes, but the cost of accessing the legal system prevents most from using them. Pre-Paid Legal bridges the gap between those people who feel shut out because they feel they can’t afford the legal system and those lawyers who want to help them.

Special Report On Identity Theft

Identity Theft Crime Wave

It doesn't matter where you live or what you do for a living, from small town America to the world's largest corporations, identity theft is increasingly the most likely way you will be victimized by the criminal element.

Identity Theft Shield offered by Pre-Paid Legal Independent Associates like myself is the most complete service to protect you and your loved ones from this crime wave. Your membership with Identity Theft Shield Includes; An up to date credit report with credit score calculated for you, Continuous Monitoring of your credit files with alerts of any new activity, and Identity Restoration - licensed investigators will work to correct damages caused by identity theft alerting the proper companies and agencies while continuing to search data bases for any further misuses.

At this point in time it's almost a matter of not if you will be a victim of identity theft, but when and in what form will it appear. Protect yourself and your family from identity theft with Identity Theft Shield from Pre-Paid Legal Services Inc.

Legal Assistance Is Not Out Of Reach

Legal assistance may not be a service you think you could need at a moment's notice. Most of us think of legal assistance in connection with a criminal offense, or a civil case where one party is suing another. Actually, most of the legal work done in America is for people facing much more ordinary circumstances.

Most Americans have a need for legal services on a regular basis. There are things we do every day that it would be best if we consulted a legal opinion about before we proceeded; and there are important legal matters we should take care of that are put off due to either being unsure who to talk to or fear of the expense it might incur. Here are just a few examples of what a Pre-Paid Legal Life Events plan can help you with:

* Wills and estate planning. Having your affairs in order not only ensures that your wishes are carried out, it relieves a great burden from your loved ones at the same time. Seventy percent of Americans do not have a will.

* Power of attorney. If you become incapacitated for any reason, for any length of time, you will want your affairs in competent hands.

* Contract settlements. This can involve anything from appliance warranties, to cell phone contracts, or purchasing big ticket items like a new car. You should never sign an agreement of any kind without having it reviewed by a competent attorney specializing in that particular field.

* Identity theft. This is the fastest growing white collar crime in America. These days your information is everywhere; job applications, credit applications, online purchases, and on and on. It is the perhaps the easiest way for you to lose all your assets.

* General disputes. Maybe it's with your neighbor over property lines, your landlord over terms of your lease, or an unreturned deposit. There are a lot of everyday issues where a letter or phone call from your attorney would resolve it in your favor very quickly.

It's easy to see how you might find yourself in a situation where legal assistance could be helpful if not necessary. The majority of people however, go without legal advice for the simple reason that they feel they cannot afford it. They know the top ten percent of income earners can afford legal help and the bottom ten percent have access to legal aid. They feel stuck in the middle and feel they just have to deal with it.

This is where Pre-Paid Legal steps in, with affordable Life Events Legal Plans. Put a figure in your head of how much you think an hour's worth of an attorney's time would cost you for a simple consultation. Now that you've quit shuddering, think of this, what if you could put an entire law firm, not just a single attorney, on retainer for less than a dollar a day?

That is the power of Pre-Paid legal and it's 1.5 million members. Dedicated law firms across the U.S. and Canada a phone call away ready to answer your questions and if needed take action on your behalf.

Please visit my site for more information on the various plans then contact me if you have any further questions.

Don't wait until it's too late. Prepare yourself ahead of time for the everyday legal issues you may have to deal with and put the law on your side. The investment now far outweighs the expense of waiting until it's too late.

Testimony:Principle More Than Doubles His Income Working Part-Time

Interested in becoming an associate of Pre-Paid Legal? Use the Call Me button or contact me here

Identity Thieves Now Targeting Babies

Visit msnbc.com for breaking news, world news, and news about the economy

This MSN story follows an eye opening investigation on criminal actions that resulted in a 9-year-old defaulting on utility bills and a 2-year-old with mounting credit card debt resulting in a bankruptcy filing.


This video really shows the value of Identity Theft Shield You will know that you or your child's ID has been compromised before damage is irrevocable and will be able to get restoration of credit. Our Safeguard for Minors^SM is a valuable identity theft service for dependent children under 18 year old, just as Pre-Paid Legal's Identity Theft Shield^SM provides you and your spouse with benefits including credit monitoring. Both plans offer consultation and restoration services in response to an identity theft breech.

Did you Know?

• The FTC estimates nearly 9 million victims of fraud each year
• Identity Theft is the fastest white collar crime in America.
• The average time to resolve for individuals on their own is 55-130 hours and between $1,200-$5,000 to resolve.
• The FTC Annual Sentinel Study says that only 16.5% of identity theft is detectable on a credit report.

©2010 Kroll Background America, Inc. All rights reserved. Materials/content supplied by Kroll may not be altered without Kroll's express written permission.

Get Identity Theft Shield today! Special pricing when combined with a Pre-Paid Legal plan.

Pre-Paid Legal Video Overview

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Identity Theft Shield Video Overview

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Identity Theft Shield

SSNs to be removed from ID cards to prevent identity theft - The Globe: Inside Lejeune

Identity theft is quickly becoming the largest white collar crime in the U.S. Check my tweets that are published on this page, or follow me @fishyanker on Twitter, you will see I post well over a dozen different news links a day about an identity theft crime. It's a great source for my tweets, I never have to repeat myself to get my point across, which is; we all desperately need protection from identity thieves.

The story above is a great example, the Department of Defense or DOD is worried about protecting the personnel at Lejeune, the largest Marine base on the east coast, from identity theft. Folks if it's got the Marines concerned you know we had better be also, and we need to do something about protecting ourselves and our loved ones assets. 

Are you aware of the serious toll identity theft can take on your life? Identity thieves target millions of Americans, even children, each year. Thieves can wreak havoc on finances, credit history, cause time off work and a great deal of stress trying to resolve the matter. Take action now against this devastating crime with the Identity Theft Shield from Pre-Paid Legal. Our valuable services include licensed experts that will step in and assist you in resolving your identity theft issue, so you can get back to work and back to your life.


Don't wait until it's too late, no one is immune or safe from this crisis. We have already seen major companies have to halt operations in order to patch up security and do damage control because of identity theft. Take the step now to protect yourself and your family and save a lot of grief, get Identity Theft Shield from Pre-Paid Legal, combine it with a Pre-Paid Legal plan and you will receive a discounted price.

shutting-kids-out-family-fortune-wsj: Personal Finance News from Yahoo! Finance

shutting-kids-out-family-fortune-wsj: Personal Finance News from Yahoo! Finance

I thought this article was interesting on several levels. First this is a good example of a will carrying out the wishes of the principle subject, gotta believe this was contested and stood up in court. We all have a preference as to how our last wishes are carried out but unfortunately the majority of us leave it up to the government to decide how our assets are distributed. Studies show that around seventy percent of Americans do not have a will drawn up, leaving it up to their last state of residence to divide their belongings up according to that particular states laws. Do we really want the government making our last decision for us? I don't.

The reason most people don't have a will prepared is either because they don't know a good attorney to talk to, or the expense of having an attorney draw up a will and the expense of periodically updating their will. Pre-Paid Legal's Expanded Family Plan includes the Life Events Legal Plan which provides these services among others; Standard Will, Living Will, Healthcare Power of Attorney (Yearly updates/reviews included).

Having a Pre-Paid Legal Life Events Legal Plan for you and your family means a lawyer is available when you need one. Our Provider Lawyers can look over important documents and contracts before you ever sign, or may decide that a call or a letter written on your behalf will help bring resolution to an issue. Enroll today and coverage starts today! Benefits vary by state and province. If you have any questions, please contact me.

The second thing that struck me about this story was the importance of following the law "Honor thy Father and Mother". You never know when mom or pop might hit the jackpot and if you've been a pain all their lives, well, at least your grandkids might be taken care of.

Now excuse me while I go check my family tree to see if I'm connected to this guy in any way.

When Do You Need to Talk to an Attorney?

It is always best to consult with an attorney before you need one. Whenever you have concerns about a potential problem, that is the time to talk to a lawyer.

The best time to consult with an attorney is before any life cycle event or possible crisis.

 Such as:

1. Before opening or closing a business, forming a partnership or corporation

2. Before signing a contract – such as an apartment lease, promissory note, car loan, employment contract, leasing equipment, etc.

3. Before contemplating marriage, separation or having a child (including adoption)

4. Before buying or selling a major asset – such as real estate

5. Before having any surgical procedure – to make sure that your wishes are carried out in case you are unable to speak for yourself (such as being in a coma) & making sure your family will be OK

6. Before considering retirement.

7. Before helping your aging parents – before they are mentally incompetent or need to move into a nursing home

8. Before considering pleading guilty (or no contest) to a traffic ticket, criminal charge, or if you are a possible suspect in a criminal investigation

9. Before conflicts with neighbors, relatives, friends, employers get out of control

As you can see by the list the key time is Before you actually have a situation that requires legal advice.

Remember the old adage "An ounce of prevention is worth a pound of cure"

Pre-Paid Legal Services to Be Acquired by MidOcean - Businessweek

Pre-Paid Legal Services to Be Acquired by MidOcean - Businessweek

Pre-Paid Legal Services Inc. said it agreed to be acquired by units of the New York-based private- equity firm MidOcean Partners for $66.50 a share, or $650 million.

“We were drawn to Pre-Paid because of the company’s strong and unique value proposition to its members, associates and provider network,” Frank Schiff, a managing director at MidOcean Partners, said in a statement.

Pre-Paid Legal Services designs, underwrites and markets legal expense plans that offer a variety of legal services in a manner similar to medical reimbursement plans or HMOs. The company’s plans provide for legal service benefits provided through a network of independent law firms across the US and Canada, and include unlimited attorney consultation, will preparation, traffic violation defense, automobile-related criminal charges defense, letter writing, document preparation and review and a general trial defense benefit. The company currently provides legal services to over 1.5 million families across the US and Canada. Pre-Paid Legal Services is based in Ada, OK

MidOcean Partners is a private equity firm focused on the middle market. MidOcean seeks companies with stable market positions and multiple opportunities for growth. Industries of interest include business and financial services, consumer and leisure, media and communications and niche manufacturing. The firm has offices in New York, NY and London, UK

MidOcean Partners has a track record of bringing mid sized company's into national prominence. Their portfolio includes Freshpet, Bushnell, Hunter Fan Co., LA Fitness, and Jenny Craig.

Something Important To Share

There’s something important I want to share with you. It will only take about 15 minutes and, by the way, you may or may not be interested, but you owe it to yourself and your family to at least give a listen. Use the call button to call me directly, or drop me an email and I will send you a video that covers the entire subject.

Protect Your Family

Wouldn't it be nice to consult an experienced lawyer whenever your family encounters a legal issue, major or minor? It's not only possible, it's affordable and convenient with a Life Events Legal PlanSM from Pre-Paid Legal. Our members receive services from a nationwide network of Provider Law Firms. In the event of an emergency, whatever the day or hour, members can receive legal advice via our Legal ShieldSM service. Enroll today and coverage starts today.