Monthly Archives: May 2019

Financial Planning Considerations For A Surviving Spouse

Death is a difficult time and most people tend to shy away from its potential financial consequences until it becomes too late. Typically people shy away from dealing with estate planning issues as long as they can. Unfortunately, when the time comes, survivors have to make critical financial and legal decisions for which they may not be prepared. Moreover, for a survivor grieving the death of a loved one, the pressures of making haste decisions can be emotionally overwhelming. However, there are steps you can take today to prepare yourself for the death of a loved one.
When someone you love dies, there is a lot of confusion about what happens next for you. Below you will find financial planning considerations that you can prepare for in advance that may help you make important financial decisions when the time comes of a loved one’s death, such as concerns over honoring your spouse’s wishes and caring for yourself and your family.
Settle your spouse’s estate
Dealing with an estate transfer and settlement can be a very complicated process and potentially can drag on for an extended period of time such as a year or more. The estate settlement process includes decisions about the distribution of your spouse’s assets and how to handle liabilities such as those that come about from estate taxes. If you are named the executor of your spouse’s estate in your spouse’s will, you will be responsible for making all the financial and legal decisions related to the estate.
Before you make any decisions, the first step is to obtain a copy of your spouse’s will and death certificate. Generally, you will be able to get a copy of the will from your estate attorney that created the document since they usually retain copies. Also, you can get copies of your spouse’s death certificate through your state’s vital statistics office.
Your spouse’s death certificate is important to gain access to bank account information, transfer ownership of securities such as stocks, bonds, and the like, apply for Social Security benefits, and to collect life insurance proceeds and other benefits.
Expenses related to your estate such as outstanding loans, leases, or taxes lower the total value of your estate. Consider having a separate bank account to handle and monitor all of the incurred estate expenses. Make sure to monitor where the money is going and keep accurate records.
Paying off debt
As the executor for the estate, you are required to settle any outstanding debts that are solely in your spouse’s name such as credit card balances and other debt. You can contact any of the credit bureaus to get copies of your spouse’s outstanding debts. You should also provide the credit bureaus a copy of your spouse’s death certificate so that they remove his name from their files. Also, notify all the creditors of your spouse’s death to close all credit cards listed solely under your spouse’s name and transfer any jointly help cards to your name only.
Distributing property
Every state has a probate process and as the executor you play a critical role in the distribution and sale of estate valuables and properties according to the will and your spouse’s wishes. If the will is lacking certain information, the executor would take the responsibility in distributing the decedent’s property at his/her discretion.

Lessons Learned About Services

Know These Basic Differences Between Commercial and a Residential Roofing
Although serving the same purpose, there are basic differences between commercial and residential roofing, so that the first thing that an experienced roofing contractor will ask you is whether you are contracting for a commercial or a residential roofing. Be aware that the differences between a commercial and a residential roofing project are very much different, from the design, structural elements, to the materials and costs.
Obviously, the structural needs of a commercial roof is different from that of a residential roof because of the size involved itself. The load requirements, fixtures and materials vary for example in a commercial roof of a mall as compared to that of residential area. Because of the materials necessary in the construction, a commercial roof has to have a larger load-bearing capacity than that of a residential roofing. Consequently, a much larger crew is needed for the installation of a commercial roof because of the size of the job against a residential roof.
With regards to the function of the roof, compared to residential roofs, a commercial roofing has more protrusions in comparison. A residential roof may need to accommodate protrusions like chimneys, skylights and others, a commercial roofing will have to consider others like ventilation systems, smoke stacks, pipes, roof entrances and other mechanical needs. Both commercial and residential roofing could have some specialized construction specifications depending on the needs. One reason is the function of the building, as for instance, if a commercial roofing is for an establishment meant for heavy machinery, then its roofing must be able to withstand heat discharge. In residential roofing, the construction on the other hand would depend on the personal preferences of its homeowners, from the choice of appearance, durability and maintenance.
Whether it is for a commercial or residential project, the specialized knowledge and skills of the potential roofs must be put into consideration too. The function of the commercial building has to be taken into account by the commercial roofers while the residential roofers have to take into account the unique needs of their clients.
Because of the various conditions of the two roofing contractors, they will in turn have different needs to complete their jobs. Generally, of the two roofing contractors, the commercial roofer is considered as a much more involved and more difficult job in terms of finding skilled workers and the number of people to do the job, and because of this, they will be charging you a different cost because of the scope of the job.

Hair Care Help That Won’t Leave You Confused

Your diet might be to blame if you have dull, lifeless hair. In order to maintain optimal hair health, you need to eat foods rich in vitamin E, omega-3 fatty acids, and iron. Make sure you take a comprehensive multivitamin if you cannot get enough of these nutritional elements through your diet alone.

Damaging your hair can actually be caused by blow drying it. If you must dry your hair with a blow dryer, do so on the coolest heat setting and avoid training the air on one area of your hair for longer than five seconds. Use your fingers to get rid of knots as the hair dries so that it will be easier to brush later.

Trimming your hair does not affect how fast your hair grows. Human hair grows about one half-inch per month, regardless of how often you cut it. You can notice your hair growing faster in summer time, or when you intake biotin supplements. Trims can help with appearance, as they remove split ends.

Every time you use heat on your hair you are damaging it, and this goes for blow drying it. The best way to do it is to use the cold air setting and keep the blow dryer moving, so it does not stay on one spot for more than a few seconds. While you are drying your hair, untangle any knots using your fingers.

Do you like what the ocean does to your hair? These sprays may be called “salt spray” or something like that. To make a similar version at home, simply dissolve one teaspoonful of table salt in one cupful of water. Then, add about ten drops of lavender oil and now, you have the ocean in a bottle.

To prevent nighttime damage to your hair, use a satin pillowcase. Cotton pillowcases are known to dry out hair and take the moisture and oils out of it. Satin pillowcases protect the hair allowing you to wake up with the same curls you went to sleep with. You could also try a satin scarf or sleep bonnet.

Try to avoid exposing your skin, scalp and hair to the drying effects of cold weather. Cold weather may dry out hair and reduce nutrients and oils that are vital to your hair’s health. If you must stay out for a long period of time, be sure to bundle up.

Limiting yourself to one type of shampoo or conditioning products, is not always in your best interest. Switching up the types of shampoos you use can really have a positive effect on your hair. Another brand may remove all the buildup and keep your scalp clean and healthy.

Do not forget about texture when styling your hair. You can cut time out of your styling routine with adding texture to your hair. You can achieve this by getting a perm or choosing a certain style.

Coffee Health – New Antioxidant On The Block

Green coffee beans have supplied a new player in the antioxidant arena. An extract of green coffee beans has been found to have a stronger antioxidant effect than established antioxidants like green tea and grape seed extract.
The active constituent in coffee that is responsible for its many health benefits is a compound called chlorogenic acid. It neutralizes free radicals, and addresses the problem of hydroxyl radicals, both of which can lead to cellular degeneration if left unchecked. Chlorogenic acid also helps regulate metabolism. Compared to green tea and grape seed extract, green coffee bean extract is twice as effective in absorbing oxygen free radicals.
One of the advantages of using the green coffee bean extract is that the negative effects of coffee are avoided. The chlorogenic acid is thought to boost metabolism by changing the way glucose is taken up by the body. And it does contain caffeic acids, which give a boost to energy levels like regular coffee does. But unlike boiled coffee, green coffee bean extract contains no cafestol, which is a diterpene. Along with its diterpene relative kahweol, cafestol increases concentrations of the ‘bad’ cholesterol, LDL, to levels that over a lifetime might increase the risk of coronary heart disease by as much as 20% These diterpenes also had an effect on the levels of liver enzymes measured. When these are elevated it is an indicator of stress on the liver. However the study that measured this found this was a transient effect, and also that the levels of liver enzymes were much lower than those with liver disease.
As a side note on the health effect of the diterpenes found in regular coffee, it was found that by simply drinking filter coffee, none of these effects on cholesterol levels or the liver took place. The coffee filter removed the offending diterpenes. And levels of these diterpenes in instant coffee are low.
Other benefits of green coffee bean extract include an increase in the effectiveness of pain killers, especially for migraine medications; a reduction in the risk of diabetes; and assisting the body burn a higher proportion of lipids (fats) compared to carbohydrates, which could help with muscle fatigue for athletes and bodybuilders.
Interestingly, on the subject of caffeine and liver disease, further studies have indicated it may in fact support liver health for some people. Those who were at high risk of developing liver disease due to drinking too much alcohol were found less likely to suffer liver damage if they drank more than two cups of coffee or tea a day. This was a population based study, not a clinical trial, and so is not conclusive on the subject. But it does offer some promising information. Those drinking in excess of two cups or more a day were half as likely to develop liver disease compared to those drinking less than one cup a day. Researchers do not know what caused this protective effect.
One of the criticisms of coffee in regards to health is that it leaches calcium from the bones. But this effect has been found to be overemphasized, at least in children. And adults who consume a diet with sufficient levels of calcium will be protected from the small amount of calcium that is lost due to coffee consumption.
So the old axiom that caffeine can stunt a child’s growth is a myth. It was based on the fact that in older studies, caffeine was associated with low bone mass because those studies were done on elderly people who both drank a lot of coffee and had diets that were low in calcium.

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Measure up to Financial Services in Canada
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We strongly advise that you compare insurance plans and loan products on Insurance my future before choosing any meticulous plan. Every time you see our analysis and compare insurance plans on the base of cost, services, duration, etc you get a better understanding of what is being offered and which of the offers are most suitable for you.
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In today’s fast paced world Insurance is as important as any amenity for leading a good life. We need insurance for a better life. Not only Insurance is necessity for our financial security today but even for the security of our loved ones after our death.
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5 Reasons the SeaDream Yacht Is One of the Best

We assume that there were many contenders and that there are numerous different top-nice small cruise strains running available, but here are 5 excellent reasons why the SeaDream Yacht is one of the very nice.

1. SeaDream Takes You Places Bigger Cruise Ships Can’t Go.

A Sleek Cabin Ship Cruise

For SeaDream’s Caribbean journeys, you fly into the tons-used airport on St. Thomas and take off from there. You go to popular spots like Anguilla and Virgin Gorda, but you furthermore may get a taste of some smaller ports which can be only on hand to smaller vessels.This makes the enjoy more unique, and you’ll be amazed at how a whole lot those much less-traveled ports ought to offer.

You will anchor in quaint little coves that none of the bigger cruise ships might be capable of appropriately technique.You will go to small bays and tiny isles that few ever lay their eyes on. It almost has the feel of a private tour.

No surprise SeaDream’s motto is: “It’s not cruising, it’s yachting.” On the SeaDream, you’ll dream properly dreams at night time – and stay them out the following day.

2. The On-Board Cuisine Ranks as Truly Gourmet.

Some cruise ships make you wait in long buffet traces handiest to observe because the shrimp deliver, which wasn’t that special initially, turned into finished off by way of the individual just in advance of you in line.

No need to fret, however; there are lots extra delectable dishes from which to pick. Truly, the SeaDream Yacht offers you a totally exclusive enjoy. Each morning starts offevolved with the friendly wait group of workers bringing you your espresso and greeting you by using name.You’ll get to understand them nicely throughout the trip – or no longer, in case you opt to keep to your self.

The menu is like that of a connoisseur eating place, and the presentation is finished with aptitude. Lobster, steak, and a protracted listing of cuisine is offered every day. One aspect of SeaDream’s consuming enjoy is “top-stop” in every other feel as well.Topside Restaurant – the actual call – is located on the deliver’s roof. From there, you could get a great view of your surroundings, or even dine underneath the starlight sky.

Three. The On-Board Bar Is Second to None

A complete-provider bar, which include high-quality wines and cocktails, is a part of the ship’s infrastructure. The barroom is as exquisitely designed as it is nicely-stocked, and no one could be upset. The ship also has a number of different services, like a mini casino, fitness spa, library, and many others.

Four. SeaDream’s Staff Literally Waits on You Hand and Foot.

With 95 crew contributors waiting on most effective fifty six couples, a almost a one-on-one ratio, you get loads greater attention from the workforce than on most cruise ships. They are usually ready to assist you. They even will take you on shore for sightseeing, eating, buying, or different excursions.

They additionally prepare the conventional beach party on White Bay at Jost Van Dyke. There you’ll be capable of swim in the warm Caribbean waters, fish fry, dinner party, play water sports activities, kayak, and extra. On the alternative hand, you just choose to relax for your hammock under a shady palm tree.

5. The SeaDream Is Smaller and More Intimate Than Most Cruise Ships

Most cruise ships are totally filled with passengers, distinctly noisy, and a long way too “public.” With SeaDream, everything is smaller-scale, making it easier to analyze the names of fellow passengers and in fact make a few buddies.