Estate planning is the process of considering and setting up a legal arrangement that may be followed in handling and distributing your estate upon your death as you have directed. Many people think that estate planning is most beneficial for the elderly or the wealthy. However, estate planning is beneficial for everyone, regardless of age, marital status or net worth.

Although an experienced estate planning lawyer can provide you with the specific reasons as to why estate planning may be right for you, below are the top 4 reasons why estate planning is for everyone.

Loss of Mental Capacity – If you become mentally incapable of making decisions as to how your estate should be handled or distributed, a properly devised living trust and durable powers of attorney for financial matters will carry out your wishes and directives.

Guardianship of Minor Children – Without a plan, the decision of who is best suited to raise your minor children will be made by the court upon your death or in the event that you become incapacitated. However, with a plan, you are able to designate the guardians who you decide are best fit to raise your children.

Avoiding Probate – If you do not have a plan, your estate may be subject to probate upon your death. Although you will not have to deal with the slow process of probate, your loved ones will. So, in order to avoid it and ensure that your estate will be distributed as smoothly as possible upon your death and according to your wishes and desires, you should seek the advice of an estate planning attorney while you are still alive.

Comfort – If you have devised a good estate plan, you will be comfortable and confident knowing that you have protected your loved ones and the distribution of your assets upon your death. A good estate plan will avoid the confusion and chaos of an unplanned distribution of your assets upon your death.

The bottom line is that planning ahead, while you are still capable of doing so, can reduce the uncertainty and confusion that may occur over the distribution of your estate and guardianship of your children upon your death.

Call An Experienced Estate Planning Lawyer Today!

For more information about estate planning or to schedule a complimentary consultation with an estate planning lawyer, please call Lifetime Legal at (805) 419-5290.

About The Author

Lifetime Legal is a California based estate planning attorney representing clients in a diverse range of matters pertaining to estate planning law, business law, Probate, wills and trusts and real estate law.

Raising a child under a proper roof, hygiene & secure location is a basic requirement of any single mom. However, carrying out this responsibility is not particularly easy in this economy where jobs are dissappearing & the cost of basic commodities such as food, housing & clothing is increasing. In order to ease the burden of providing housing for their kids, the federal government has allocated federal housing grants for single moms. Apart from grants, the federal government also provides federal subsidized housing for single moms where a mom can live in a government owned house and pay rent only when they are employed and earning an income. The aim of this article is to detail some housing programs & financial help for single mothers.

Being a single parent, you must consider homes & choose one carefully that meets your lifestyle & living preferences. A single mom must look for safety, affordability & durability of the new home. Whichever area you choose to live in, whether a busy area close to downtown or in the suburb, you must make sure it is affordable and does not stretch your budget making life stressful. Also, the surrounding area must be safe & secure with good neighbours. If you decide to purchase a home, make sure to get it inspected by a property inspector to make sure it is durable & built to last.

i) CoAbode Single Mothers House Sharing

The CoAbode “mom matching” program aims to connect single moms who are looking for affordable housing through the government & whose interests and parenting philosophies are compatible. Single moms can enroll in this program by filling out their profile information & their accomodation needs such as rent, neighborhood, and school zones. The CoAbode single mothers program welcomes everyone, from divorcees to widowed moms. To find more information on this program, visit the website below.

Membership is free and once you make a profile on this website, you will be asked to fill a questionnaire. Once complete, you will be able to find other single moms who meet similar criteria and be able to contact them through a private email inbox. If you would prefer to move to a new state, this service lets you search for housemates by entering a zip code & & city. As for finding a housemate, it can generally take between a few weeks to several months. The organization suggests being proactive, positive & persistent when searching for a housemate at all times; this greatly increases your chance of finding a compatible housemate faster.

ii) Transitional Housing Grant Program

The transitional housing grant program focuses on people who have gone through domestic or dating violence, stalking or sexual harassment and aims to move them in to permanent housing. Grants under this program can be used for short term housing needs such as rent or utility payments, and assistance with related expenses such as payment of security deposits and other costs incidental to relocation to transitional housing.

Interested to invest in flats in Gurgaon? In today’s scenario, more and more people are considering to invest in Gurgaon real estate because of likely good returns. With the transforming of Gurgaon into a commercial hub, investors are always in search for lucrative properties as it might give good returns in long term. However, the easiest way to find a lucrative Gurgaon real estate is by taking the help of realty websites. Loaded with information about commercial and residential properties in Gurgaon, realty websites give you the advantage to find properties just through clicks. Considering the services of realty portals has benefits galore.

Experts say that investments in realty market hardly go wrong and in long term fetch returns. People planning to buy a flat in Gurgaon need to do a little bit of research before taking the plunge. Although the realty market of Gurgaon is expanding, possibility exist that the prices will double in the coming years compared to other asset class. The general conception that luxurious flats in Gurgaon come with a hefty price tag is not totally correct. Although the prices have surged all these years but by taking the advantage of realty portals, you can easily search for flats at discounted rates. Buyers can filter their search with specific to location, budget, developers and measurement. Using the advantage of these portals, one can easily find flats, apartments, houses, villas and other properties that are intended for buying/selling/renting.

Opting for realty portals significantly reduces the pain that usually an individual confronts while visiting a real estate agent. Now, that information has made available under one roof, buyers and sellers can easily connect to each other and seal the deal without getting in touch with real estate agents. For example, Makaan.com, a renowned realty website, acts as the catalyst between buyers and sellers. It offers information of commercial and residential properties of major cities of India that also includes under construction and ready for possession properties. So, compare the deals related to such properties.

Buying a flat in Gurgaon is a decisive decision and so you should be well informed about the realty market and property that you intend to buy. The best way to remain update is with realty websites that let buyers or sellers collate information and connect to the right person that also increases the propensity of transaction. Now, buying luxurious flats in Gurgaon has been made easy and convenient by realty portals.

Makaan.com is the one of best india properties sites which offers residential property in Delhi and Gurgaon , flats, apartment and house for sell, rent and buy with a reasonable price.

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When there is a wedding in the family, there is always so much to do. It is a time of great excitement, but often the people who are most thrilled about the happiness, and bogged down by the many responsibilities that are weighing the down. So, what do you do at a time like this, well it is simple, you get in touch with a wedding arrangement party in Delhi service provider.

You will be amazed at the number of service providers you will find, and once you do get a great list, you can pick and choose from those that offer the best. We are going to share with a few tips that will come in handy, when you look for Marriages Farm House Delhi service providers.

1) Experience: When you organize a wedding, you have to know that there are just too many things involved. If you enjoy a fabulous status in society, you have to live up to that status you have to make arrangements to treat your guests at the wedding celebrations with absolute panache. Therefore choosing Wedding Arrangement Party in Delhi service providers with good experience under their belt is very important.

2) Recommendations: Choose to speak with clients your chosen service provider has worked in the past. Make sure that the recommendations boast about their marriages farm house Delhi. These too credential will probably let you know if the wedding planner that you choose is the right one for you. Be sure to only get the best, because weddings can be sensitive affairs and you do not want to leave a single stone unturned in ensuring that your guests are well taken care of and they have a delightful time.

So, go ahead and start cracking on a planner with a great team. You will indeed be stress-free during the wedding and will be able to cater to all your guests in the best manner. So, why wait, find the best planner for your farm house wedding needs and you will not be disappointed.

At a juncture when both capital and rental values of residential property in Mumbai are touching skies, Mumbai Metropolitan Region Development Authoritys (MMRDAs) announcement for building five lakh low-cost houses brings in a ray of hope for those dreaming for their own house in the fairyland.

Residential rentals in Mumbai have been escalating for the past several years due to limited availability and soaring demand, and most of the tenants wished if they could buy a house and replace the rental payments with loan installment. However, this wish was hardly fulfilled with the kind of price range Mumbai properties have been carrying.

Consider this, some few months back, 2 BHK apartment units in Cuffe Parade (South Mumbai) were being leased out for Rs 45,000 to Rs 80,000 per month. But today, the same size apartment in the same area on rent will easily cost a sizeable Rs 1.25 lakh a month.

Rental rates are soaring in others areas as well. For instance, in Bandra 2 BHK apartment now comes with a price of Rs 90,000 per month, a few months back the same property was valued for Rs 25,000-Rs 40,000 a month. Besides the rentals in Vashi, a middle-class locality in Navi Mumbai has also gone up to Rs 20,000 per month as compared to Rs 12,000 per month, two years ago for a 2 BHK apartment flat. Even semi furnished apartments down the much desired Palm Beach Road are available for as much as Rs 18,000 per month.

Though the prices are increasing day by day, not many transactions are taking place. There is a lot of demand but sky rocketing property prices are deferring the buyers from having a home in Mumbai at present, say MK Shah, Mumbai Real Estate agent.

In the course of all this governments announcement to build five lakh affordable housing units in the city has bought some respite to the prospective buyers. These houses will be made available on rent for people from middle and lower-income groups. The project is likely to come up in the next five years. MMRDA believes that the move will help bring down the cost of housing in Mumbai, media reports.

The Brazilian Real Estate Market, both residential and commercial, has attracted phenomenal attention over recent years and Brazil property is currently considered one of the strongest markets in the world. The Brazilian middle-class has experienced vast changes in terms of lifestyle and Brazil property prices continue to soar at a staggering rate.

The growth has been so extreme that Brazil property prices, particularly in major cities such as Rio de Janeiro and Sao Paulo, can rival prices in more glamorous locations such as New York and Paris in terms of affordability and the availability of rental properties.

To put things in perspective for investors looking to capitalise on Brazil investment opportunities, the price of a basic apartment with little or no view costs as much in Brazils elite neighbourhoods as it does in prime locations across New York, Paris and London.

Whats drawing investors from around the world to invest in Brazil property in the current climate is the rental returns. As investors buy up property in Brazil they are able to rent out accommodation to a market of 7 million people who are currently searching for a home in Brazil. Investors are also able to target the tourism market, offering holidaymakers a place to stay during busy holiday periods.

Outside of the residential market, Brazil investment opportunities expand into the commercial real estate sector, with investors identifying commercial property in urban centres, such as Sao Paolo, as goldmines for profitability in terms of rental returns.

Housetech Developments CEO, Waseem Saddique, comments: The Brazilian Real Estate Market as a whole continues to boom and the majority of property experts acknowledge that Brazil property represents a solid investment for investors around the globe.

However, a number of sceptics have questioned the sustainability of such growth, suggesting that the Brazilian Real Estate Market has entered into a bubble with potential disaster on the horizon.

Yet, the Brazil property market continues to defy the sceptics and the majority of property experts say that suggestions that the Brazilian Real Estate Market has entered a bubble, are unfounded, circumstantial at best and borne out of scaremongering tactics targeted at overseas investors as home-grown Brazilian property investors look to oust the competition in order to land the best properties.

What is clear is that the competition to get involved in the Brazilian Real Estate Market is fierce and that only looks more likely to increase over the coming years as investors look to profit from upcoming events that include the 2014 FIFA World Cup and the 2016 Olympics. With that in mind the market in its present state can be defined as truly solid.

FHA home loans are by far the most popular mortgage loans available. FHA stands for Federal Housing Administration and is a government agency. These FHA home loans are generally loans that are funded by a federally qualified lender, but are insured by the Federal Housing Administration. Although a FHA Home Loan is easier to get than a conventional mortgage loan there are certain FHA Loan Qualifications.

FHA home loans are so popular because they will allow you to finance your home purchase with having much less than the traditional twenty percent down. You can have as little as three and a half percent. This really allows more people to be able to own their own home.

Once you have decided that this might be the way to finance your home purchase, you need to make sure you can meet the FHA loan qualifications.

Even though FHA home loans are the easiest type of loan to qualify for, you need to be able to meet these basic FHA loan qualifications.

1. The first FHA loan qualification is at least two years of consistent income. Most preferably from the same employer. Once you can prove your employment history, lenders also like to see that your last two years of income has at least stayed the same or even better if it has increased.

2. The next qualification is that your credit report should not have any more than two thirty day late payments in the last two years. Lenders would ideally like to so no late payments on your credit, but one or two will still be allowable.

3. Have a bankruptcy? Don’t worry, one of the FHA loan qualifications covers this area. If you have any bankruptcies on your credit, you might want to wait at least two years since it’s been discharged.

While you are waiting for your two years, you need to also show perfect credit since the bankruptcy too. As for previous foreclosures, lenders would like to see a minimum of three years of perfect credit since the foreclosure.

4. And lastly, your new mortgage payment shouldn’t be more than thirty percent of your gross income.

Those are the FHA loan qualifications on a very superficial level. Generally, these loans are the most popular because the FHA loan qualifications are so easy to meet. They are specifically designed for the average American that is really looking to purchase a home. They do not need to have ton of money down and you don’t have to have absolutely perfect credit to qualify.

So if you are looking to purchase a home and you are looking for a mortgage loan, your best chance is a FHA Home Loan because it is the FHA Loan Qualifications are more lenient than a conventional loan.

As a kid, I grew up on the south side of Chicago pretty close to Midway Airport. I was close enough that when a plane started to land all you could hear is the roar of the jet engines. My brother and I would go running out of the house as fast as we could to catch the planes landing. Our faces would be in amazement from the sizes of these planes and just how close we thought they would come to us. I remember telling my brother that when I grow up I was going to be a pilot.

Now just because I didnt become a pilot doesnt mean I stopped being interested in airplanes. That is whats great about airplanes. It is something that most kids dont grow out of. A lot of young kids become so fascinated with them that they make every toy they have fly. It could be a fire truck they have, maybe their G.I. Joe or Barbie doll (depending on if theyre a boy or girl), or just a pillow they sleep on. With their big imaginations, children can make anything happen.

That is the perfect reason to turn their room into a little airplane hangar. I think that airplane kids bedding is the perfect solution to decorate your childs room. Although it is more popular amongst little boys, it doesnt mean that your little princess cant have the dream of flying a plane or even becoming a stewardess. With airplane bedding all around, your childs dreams could be right in front of their eyes.

For the boys airplane bedding, the different colors of blue are what make these sets stand out. Blue seems to be the color of choice for a lot of kids bedding and nothing is different with the airplane bedding sets. The different combinations and varieties of blues will bring a special touch to your little ones bedroom. Dont forget about all the characters you can find on airplane bedding. There are some unique designs of stars, clouds, other vehicles, stop lights, and many different types of planes. You have some very nice choices to choose from.

Depending on how much you want to spend on this project might determine which accessories you decide to decorate the room with. You may need a lamp if theres not much lighting. Wall dcor is very popular because it gives the room a little pizzazz. All of these choices are up to you. You might even want to ask your young one if they want to help out. After all it is going to be their room and it will make the experience that much better for everybody.

Modern technology is a wonderful thing, creating easy connectivity between people all over the nation. But its also causing problems in many areas, and buying Orlando real estate is one of them.

Heres the problem: Many people selling Orlando real estate may live in another city or state. In this case, negotiations may be conducted over the phone, through email, via Yahoo conversations – some even use Twitter for real estate deals and information.

At the same time, this also means that legal documents may be passed through email, uploaded to a website for easy viewing or through any number of other online methods. PDF documents, for instance, have become a very popular way to pass on legal forms because theyre easy to fill out, dont have to printed, etc.

As the buyer, you cant afford to take the sellers word that theyve accepted your position – especially through email. For instance, a buyer recently had a home sale fall through. The seller accepted the terms through email, told the buyer that the seller had signed the contract and sent it on to the agent. Somehow, even though the buyer was positive the contract had been agreed upon, the house was sold to another buyer.

Although laws change from state to state, its always best to have the contract in printed form, with an actual signature – in ink. Without the actual contract, all you have is an email. Although emails can be legally binding, they dont hold a candle to having the printed and signed contract in hand.

Here are a few tips to make sure your housing purchase goes off without a hitch:

Meet in person – This may be a difficult prospect, especially if the seller lives out of state. However, if you cant meet them in person, their agent should at least be local. Meeting with the home sellers legal representative (i.e. Real estate agent) is the next best thing.

Get it in writing, and get it in print – Who wants to wait for the post office to deliver a paper contract when you can get it from an email? Well you do. Yes, it might slow the process of buying a house and closing the deal, but so will having the seller back out.

Verify the important points – Make sure you and the seller really do agree on the terms of the contract before you put your signature on it. You, or preferably your buyer’s agent, should go over the contract with the sellers agent who should go over it with the seller.

Its a great time to buy Orlando real estate, but dont let technology lose you the contract. Cross your ts and dot your is – on paper!

Maslow’s hierarchy of needs states that in order to survive there are four basic needs that all human beings need for developing healthy psychologically; food, water, warmth, and shelter. For a single mother, these four things can be hard to provide when dealing with a struggling economy. That is why there are ways to help single mothers like yourself get the help you need in providing adequate shelter for your family. No one should worry about where there next bed will be and if they’ll have shelter before the next storm. >

Habitat for Humanity

The Habitat for Humanity is a form of a housing grant for single mothers. Unlike usual grants it is not in the form of money. Instead it is in the form of a home that is built by a group of volunteers and the family who will use the home. To qualify for this form of housing assistance you must meet certain financial criteria. You must also be willing to volunteer to help build a future Habitat for Humanity home for another needy family or single parent in the future. Contact your local housing authority or the department of social services for more information on the Habitat for Humanity program.

The Family Unification Program

Sometimes families become separated due to the inability of the single mother to provide adequate and safe housing for her children. This doesn’t mean that the children have been taken away only that they may be staying with relatives temporarily. The Family Unification Program provides a grant voucher to parents who are in need of help in purchasing or renting safe housing for themselves and their family. This program is available through HUD, or the Housing and Urban Development Association. The program is only available to people whom the department of social services have deemed in great need of safe housing. A lack of safe housing must be the only reason preventing the parent from having their child or children living with them.

Housing Choice Vouchers

Although these vouchers are not technically grants they work in the same way. As a federal program, the Housing Choice Voucher provides assistance to single mothers as well as low-income families to help with acquiring affordable housing grants for single mothers. With this program a landlord is paid a subsidy of the rent for the mother. The rest is paid for by the mother.

Affordable housing shouldn’t be stressful. Providing a home should be something everyone can do.

Stacy Montes is a single mom of 3 who writes for the website, Single Mom Financial Help. On the website there are many articles and resources for single mothers, such as how to get grants for single mothers.