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Expert Advice for a Georgia Resident's
Assets, Wills, Businesses, and Estates

Can’t Get Health Insurance? New Law Says You Can.

StethoscopeThanks to a new law, someone who couldn’t buy health insurance before can buy it now.  Guaranteed.   And this new law applies to virtually anyone who’s stuck.

Think of someone with a pre-existing condition who cannot get an individual policy or coverage under group health insurance.

Think of someone whose COBRA coverage has run out.

How about someone who doesn’t qualify for Social Security? Or someone 65 or older who doesn’t qualify for Medicare? Even a disabled person under age 65 who can’t get Medicare because he or she hasn’t been disabled long enough.

And really, a person’s age doesn’t matter at all. Or a person’s work history: even a person who’s starting a new business and who can’t get insurance because of a pre-existing health problem and doesn’t have enough employees yet to get a group policy.

What matters is they can’t get health insurance coverage.

Here’s the antidote: the “Pre-Existing Condition Insurance Program” (“PCIP” for short). [Read more…]

Dealing with Email Frauds: Greetings from Kuala Lumpur!

The caller was so excited about the email: somebody in Kuala Lumpur had died with the same last name as hers! Who left a $10 million estate! And the email’s gracious writer was happy to help my caller in finding out what part of the $10 million would be her inheritance.

She asked my advice on how to handle this, and was crushed by my answer: “Just delete it.” She didn’t email much, and I told her this was just the first of many inheritances, lost accounts in foreign countries, et al. that she’ll hear about.

And then I thought she might be helped by a composite of the email cons which lay ahead.  And so . . .

[Read more…]

George Clooney, Estate Planning and “The Descendants”

In the new movie, “The Descendants,” George Clooney is an estate attorney, husband, and father.  He’s also struggling with a conflict over land his family has owned for generations. As the trustee, Clooney must deal with his money-hungry relatives’ pressure to sell the valuable, unspoiled  property to developers.

The film has received great reviews, and it’s a wake-up call: family conflicts are easy to prevent, but expensive and time-consuming if you just ignore them.  You can’t wait until the owner is dead, or disabled and can’t communicate.

So enjoy the film. And come discuss your family’s inheritance and control-of-asset issues with us.

Who Will Make Your Financial Decisions if You are Unable to Make Them Yourself?

What good is having access to a safe deposit box if you don’t have the key and you’re not ont he signature card?

What if someone asked you to drive his car in an emergency but he didn’t give you the car keys?

What if a relative wanted you to handle financial matters for her, but the authorization she signed for you didn’t work?

In each case, you’re holding a firecracker but you’re missing the fuse. You have only half of what you need to do the job. Without the activation half — the “Launch Code” — you’re stuck where you are, and so is the person you’re supposed to be helping.

So, you can have very important-looking papers which authorize you to act if someone else is disabled. They have familiar titles, like “Financial Power of Attorney” or “Living Will.” They read right: you are to collect the income, pay the bills and do all the financial chores for that person. [Read more…]

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