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21 Oct

Play, Autism, and The PLAY Project

coverBy Rick Solomon

 

Just today in the New York Times there was an opinion piece by Paul Tough entitled To Help Children, Coach Their Parents about research on young children who were at high risk for developmental and behavioral problems in Jamaica. What did they coach the parents to do? Promote more educational activities? Nope. Use techniques to help children improve their behavior? Guess again. Play more? Yes! Parents in one arm of the research study were coached to spend time enjoying being with their child in a fun and interactive way with long term positive impacts on I.Q., less aggressive behavior and better self control.

 

Recently, a colleague of mine, Erica Christakis PhD in her just published, best selling book called The Importance of Being Little called for a return to playfulness as the best way of helping the pre-school child educationally. She referenced our program, The PLAY Project’s Autism Early Intervention program, as an example of how play can help children with autism spectrum disorders (ASD).

 

Play and autism? Can children with autism learn to play with others? The brains of children with autism have disorganized, under-connected, neuronal networks. It’s like having a loose net of brain cells that let’s the complexity of the world fall through, that drives these children have repetitive, stereotyped, and obsessive interests—the opposite of play. It explains their lack of interest in socializing, even with their own parents! I can’t tell you how many parents have told me how sad it was not to be able to connect with their own child. When it comes to their developmental course, children with ASD are their own worst enemies—seeking isolation and sameness. They do not play well with others. The saving grace is something called ‘neuronal plasticity’ the ability of the brain to form better neuronal connections through experience. We just have to find our way to play’s neuronal structures within the brain of children with ASD.

 

It can be done. Children with autism—like all children—have so much potential!

 

After 25 years of working with children on the spectrum and 15 years of being the medical director of The PLAY Project, I can testify to the power of coaching parents to use the power of play. The PLAY Project is one of the few, proven national programs that uses play as a primary intervention for children with ASD. Through coaching parents in playful ways we not only help the adults connect socially with the child, but we help the child’s development and social interaction. Most important of all, through play we helped the child’s autism symptoms improve!

About the author
A leader in the field of autism, Richard Solomon, M.D., has more than 25 years of experience working with thousands of children with Autism Spectrum Disorder and their families. In one of the largest and most rigorous research studies in the U.S., The PLAY Project was shown to be evidence-based; parents can learn to improve their relationship with their child and children in the study showed significant improvement in several measures of development. He has worked with Mr. Rogers, T. Barry Brazelton, Stanley Greenspan and Ivar Lovaas. He is currently in private practice as a developmental and behavioral pediatrician in Ann Arbor, Mich.

You can read more about Dr. Solomon and his book in the press release here or visit the website for more information.

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07 Oct

Pamela Anne Glassman: An Angel to Remember

an-angel-to-remember-1By Joan E. Childs, LCSW

She was breathtakingly beautiful, brilliant and bewitching!  She was passionate, powerful and precocious.  Her power to heal transcended anyone’s imagination.  She was a goddess, a seductress, a sleuth, seeker of the truth and transformer.  Pamela was a magician and worked her magic on all the wounded souls who had the good fortune to be in her presence and professional care.  She was relentless to a fault, persistent, driven by internal forces that were challenging to temper.  She stood her ground no matter the consequences, drew the lightening to herself to exorcise her patients who had been ravaged during their childhood.  She was Joan of Arc, Mother Teresa, Helen of Troy and Pami Annie Daisy, all rolled up in one sensational being.  She was a loving sister, a dedicated therapist, a compassionate friend, her Daddy’s little girl and my precious daughter.  We lost her to bipolar disorder and a dysfunctional sub-standard health system that today, still exists.

October 1 was her birthday.  She would have been 53 years old.  Our lives were changed forever on that fateful morning eighteen years ago, when her mental illness pushed her out the window of a 15 story building.  Pami would never have made that decision.  She loved life, her family, friends, colleagues and clients, who until today, have never forgotten her life force and the impact she made on their lives. Her mental illness won the battle for life.  It sentenced her to death. It invaded her brain like a midnight stalker that slowly, surreptitiously, and steadfastly eroded her thought processes to believe she had been chosen as a mediator between God and Lucifer.  She had been made to believe that the devil was going to take her soul and cried out for help that never came.  Instead, she fell through the cracks of a system that failed her and so many others with mental illness.

How could that have happened?  Why did she plunge fifteen stories to her death? What were the tortured thoughts that executed that decision?    I will never know.  I will never get closure.  This I have accepted.  I will never have the answer to those questions and more; this too I have accepted.  What I can never accept is the apathetic attitude our country has towards mental illness.   I made a choice never to be a victim.  I made a decision not to accept being just a survivor.  I chose to be a Phoenix, like the mythological bird that rises from the ashes to make a mission out of my loss; a loss that affected so many others and a loss that is pervasive in our country.  I want to eradicate the shame and stigma from mental illness.  I want to be a change agent for everyone who struggles with bipolar disorder and other mental illnesses.  I want to help families who have lost a loved one through suicide due to a mental disorder.  I want to help the families of veterans who lost their husbands, wives, fathers, sons, mothers and daughters.  Twenty-two veterans commit suicide every day.  This is an epidemic and must be treated.  Post- traumatic stress disorder is a mental illness that can and often does, lead to suicide.

Pami’s life and death must have meaning.  Her work and unyielding devotion to her patients must be honored.  It calls for action.  It calls for conscious raising.  It calls for help.  No longer can we look blindly away from reality.  No longer can we ignore the 6 plus million people in this country who suffer from bipolar disorder.  No longer can we look away from the 40, 000 suicides a year.  No longer can we maintain denial when we know that suicide is the second leading cause of death among young adults from the ages of 18-25.  It is the 10th leading cause of death in the US.  There are more suicides than homicides.  How can we remain indifferent? Passive?  Disinterested?  It is only when we encounter a loved one who suffers from a mental illness do we become militant in our quest for help.

When the children of Sandy Hope Elementary were murdered by a madman, the parents became vigilant in their effort to raise the conscious awareness of gun control.  It was when Peter Craig Alderman, the 25 year old young man lost his life in the World Trade Center on 9/11 that his parents became advocates for change and created a foundation in honor of their son’s truncated life.  It was when John Walsh’s young son was abducted and murdered that he became a vigilante for finding predators.  We all chose to become a Phoenix.  We all chose to make our children’s lives matter.

I wrote this blog two days after Pam’s birthday.  I was reflecting on the impact she made on other’s that eighteen years later, when I announced her birthday on Facebook, more than one hundred responses were yielded, all of whom remembered who she was and what she did to make this world a better place.  It is way past midnight as I close this blog.  I was driven to post it before too much time passes since it was posted on Facebook.  She would have loved to have known the impression she made on others and the legacy she left to those who knew her well.

Happy Birthday Pami.  From all of us who were lucky to have known you.  May you rest in peace.

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05 Oct

Rejoicing Through the Tears, Brenda George

georgeBy Brenda George

Chapter Nine

Totally Isolated

That first weekend after the treatment was the hardest, as I had to be isolated from my family to ensure that they wouldn’t be exposed to the radiation. They each stayed with different relatives for two weeks. This was my weakest moment, and yet I had to stay completely alone. For about a week after the treatment, I noticed foods had a funny, almost-metallic taste. My mouth was also dry, so I had to drink a lot of fluids to stay hydrated and to help my kidneys remove the unused, radioactive iodine from my body. Eating sour candy like lemon drops helped. I started back on my thyroid medicine the following week and was allowed to eat a regular diet again. It took me a couple of weeks to get my appetite back. I started to regain my strength and appetite one day at a time. Every woman knows, especially if she is a mother, how important it is to have some time just for yourself. No matter how much we love our families, everyone needs a little space once in a while. It’s a mother’s deepest longing. Evenings can be especially hectic with small children not to mention downright insane with teenagers. From about 5:00 until about 9:00 p.m. is what I could almost painstakingly describe as the valley of the shadow of death. I won’t even talk about evenings with teenagers. They have such chaotic schedules, and their music; we won’t even go there. I can hear it now, even as I write, that pounding bass, in tune with every heartbeat. I’ll save that for another book. It can drive a sane person crazy and wreck their nerves for a week. Do you remember that commercial, “Calgon, take me away”? The one where the mom is taking a relaxing bubble bath as she is trying to escape her world for a little while? I admit that I’ve been guilty of yearning for that much-needed quiet time. I used to think, “If I could just watch a good movie without any noise and actually see the end of it, or read a good book straight through, or sleep as long as I want to”. I’m sure you understand what I mean. But after being isolated for two weeks, I completely changed my mind. Like the saying, “Been there, done that,” being alone was not nearly as glamorous as I thought it would be. There are only so many movies that I could watch, and only so many books that I could read. When I realized that, day after day, I was really alone, and no one would be walking through that door, it gave me plenty of time to contemplate that being alone was pretty lonely. Being alone began to take on a whole new meaning. I probably got carried away, because I even made my family take our dog away. One day when I was feeling sorry for myself, I was elated to realize that my granddaughter’s goldfish was still there. I remember saying to the fish, “Prince Charming, we’re in this together.” See, I told you I was lonely! I was so glad to see something else that was living and breathing. Sometimes, something as small as a goldfish can lift our spirits.

I was overly cautious about everything. I was afraid to even light a candle, and could just see the headlines in the newspaper, “Lady used as a bomb to test nuclear weapons following radiation treatment.” You’ve got to admit, we hear some pretty bizarre things on the news these days. Now that it’s behind me, I have to almost chuckle at my naiveté, but at the time, it was a real concern. I had never been sick a day in my life, so it was a learning process for me. Although I can usually find humor in almost any situation, this was one experience where I couldn’t. That was a time in my life that I will never forget. It was not only difficult for me, but for my entire family as well. I did a lot of soul-searching, praying, and learning to yield my life to God’s keeping. At that time, I didn’t know the results of the treatment or even if it had been successful or not. In the back of my mind, I went over and over all of the “what if’s. What if the treatment didn’t work? What if I need another one? What if all of my hair falls out? What if my family has to stay away longer? What if I’m too sick to take care of myself? And the final “what if”; What if I die? Those thoughts were never-ending. Two weeks before Christmas, when most people were out shopping, I was home alone, too sick to do anything about it. I cried a lot as I listened to some of my favorite Christmas songs like “Have Yourself a Merry Little Christmas” and “The Christmas Shoes,” because they only magnified my loneliness. I didn’t realize before how many Christmas songs were about being home with your loved ones. My mom was like a Christmas angel, filling in wherever she was needed. Brent took Travis to school on many snowy mornings. Mark kept working hard on his printing job, and his family helped as much as they could. My kids all tried cheering me up every chance they got.

We waved and blew kisses at one another from my front windows as they drove up and sat in front of our house for a little while, just to feel like they were home. They dropped off cards, pictures, and flowers. One card I’ll always remember played the song, “I Will Survive.” They even brought my favorite Starbucks drink, Strawberry Iced Frappacino. Savannah, my little granddaughter, was four years old at the time, and couldn’t understand why I was all alone and why they couldn’t come in. She thought everyone was mad at me. That took some careful explaining. The ladies from church brought one meal after another, and I received many calls from neighbors and countless gifts and cards from friends. I realized how God had carried me through the storm when it was next to impossible to go on by myself. The famous poem “Footprints” came alive for me with a deeper meaning, as I realized that God had carried me at this terribly low time in my life. The last few lines of the poem had the most meaning, “The times when you have seen only one set of footprints is when I carried you.” I was now beginning to understand the depth of God’s love.

Keep and guard me as the pupil of your eye; hide me in the shadow of your wings. Psalm 17:8

thus says the Lord: restrain your voice from weeping and your eyes from tears, for your work shall be rewarded, says the Lord; and your children shall return from the enemy’s land. and there is hope for your future, says the Lord. Jeremiah 31:16-17

 

Rejoicing Though the Tears

By Brenda George

 

The URL to my website:

rejoicingthrough.com

 

The Link to my blog:

http://brendageorge.authorsxpress.com/

 

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05 Oct

AstroNumerology

9781452522326_COVER.indd

By Jesse Kalsi

“Numbers are alive and are represented by planetary energy. They have a direct impact on our success, health, happiness and prosperity.”

 

There are several different kinds of numerology; each has its particular strengths. However, even the best system is worthless without clear and consistent interpretation relative to the issues at hand. With clarity, insight, and compassion Jesse has consulted with individuals regarding their personal and business lives.

 

I use the term “AstroNumerology” because I associate numbers with planets, which are astronomical bodies. AstroNumerology is not about adding numbers up; it is about looking at each individual number, since each represents a particular planet, and considering the totality of the number’s own “planetary system.” Each planet is further associated with different precious & semi-precious gems, colors, and the basic relationships of planets within the Solar System.

Adding a certain number to improve a vibration for a home or business (“patching”)* is like adding the energy of another planet to a home or business. Most homes or businesses are patched very specifically, based on the type of business or the date(s) of birth and names(s) of the person(s) living in the residence. In the Vedic tradition, numbers are also related to the four elements, which correspond to the cardinal points. Since I grew up in India, I was surrounded by Vedic traditions, including Vedic numerology. However, I use the following correspondences between numbers and planets:

  1. The Sun
  2. The Moon
  3. Jupiter
  4. Uranus
  5. Mercury
  6. Venus
  7. Neptune
  8. Saturn
  9. Mars

Many traditional Vedic numerologists just add numbers up until they achieve a single-digit result and work with the characteristics only of that number. A home address of 2733 would thus be 2+7+3+3 or 15, then 1+5, or 6. The Vedic numerologist would then consult on the characteristics of the number 6 with the client. However, AstroNumerology takes all the planetary energies present in an address into account. Using the same home address, we see that 2733 has the Moon, followed by Neptune, followed by two Jupiter’s. These planets move about each other in a Venus vibration. All five of these planets (remember, two Jupiter’s!) must be considered.

Let’s look at a well-known address: 1600 Pennsylvania Avenue, Washington, D.C. Many traditional Vedic numerologist would add this up to a 7 (1+6+0+0) and consult with the client about the number 7 alone. In AstroNumerology, the number 1600 represents the Sun and Venus moving about each other in a Neptune vibration. The two zeroes amplify, for better or for worse, the energies represented by all three planets. The Sun and Venus together on a home address have a discordant energy. This combination also brings in confusion, deception, and miscommunication. One must be careful while close to a fire, whether in a fireplace or the kitchen, because accidents could easily happen near the flames.

If 1600 were a business address, it could be extremely profitable, depending on the kind of business. Food, music, and technology are three business’ which could flourish in such a number. Unfortunately, diplomacy and policy are not enterprises that flourish in this vibration, as many United States Presidents have discovered to their dismay. The number 1600 is also destructive of personal reputations and personal growth.

 

The Power Of Home Numbers

“Our old house was smaller, but much happier than this one. My husband’s job was more fulfilling and our children were joyful. We moved to this house, and…what happened?”

This question and others have been posed to Jesse Kalsi over the past two decades. His experiences in helping people improve the relationships under their roof are outlined in The Power of Home Numbers.

The Power of Home Numbers is a unique presentation of how your date of birth, home address, and name work (or don’t) in your favor. Moving to a “better” house can sometimes backfire in unexpected ways.

A favorable residential address can bring family peace, harmonious relationships, and long-lasting partnerships with good neighbors. An unfavorable residential address can have multiple negative effects: health consequences, financial stress, family disruption….

Drawing on Eastern and Western numerological traditions, Mr. Kalsi explains the energies of the numbers 1 through 9, discusses the significance of 0, and presents numbers as they appear in residential addresses. Each number signifies a specific planet, e.g., 6 represents Venus; thus, an address including a 6 involves the relationships of the resident(s) with Venus. This system, “AstroNumerology,” is used for business success by professional athletes, businesspeople, and celebrities in the media world.

The Power of Home Numbers analyzes combinations of birthdates and personal names, residential addresses, and their planetary energy so that the reader becomes aware of their inter-connection. Where an address is unfavorably aspected, Mr. Kalsi explains how he has used Number Patching™ to elevate the resonance of the address.

All analyses preserve the privacy of involved individuals; the only true names are in the chapters involving world affairs.

To understand why things are perhaps not working as well in your current home as they did in a previous dwelling, look to The Power of Home Numbers for enlightenment.

Business Naming

In addition to the home numbers being in tune with the occupants (the subject of my first book), it is extremely important that the business name vibrations be in sync with the owner’s name and the business address, based on the owner’s personal energy. In my experience, I have realized that these two vibrations – name and home – must vibrate positively for success and prosperity. Precious gems like blue sapphire, ruby, diamond, yellow sapphire, cat’s eye, pearl, amethyst, red coral, and emerald can also be used to bring good luck and more opportunities based on the owner’s personal energy.

Besides home numbers, name numbers, and the use of gems, bank account numbers to draw the energy of wealth, telephone numbers to bring positive information, and car registration numbers are some other examples that should be considered very carefully. Numbers correspond with colors, too: by knowing one’s basic numerology, the right colors can be used to enhance the well-being and draw the right spiritual energy.

It is also extremely important that the energy of homes be cleared on a regular basis. Many techniques, like burning sage, repainting the interior, removing old drapes, and dowsing, help in keeping the numbers vibrating positively.

 

Business Name Changes

The success of a business is greatly dependent on the business’s name with the right numerological vibration and a positive business address. Different kinds of businesses have different kinds of energy; for example, a food business works well with the Moon (#2) and Neptune (#7), real estate with Saturn (#8), and communications and the media with Mercury (#5). It is also extremely important that the business be born at an auspicious astrological time.

Numbers play a very important part in the buying and selling of real estate. Having been in the real estate business myself for 15 years, I have realized that certain numerologies always pull money while other numbers constantly drain cash and bring health challenges and other personal problems.

The name “Microsoft” has the energy of Jupiter, the largest planet, the energy of wealth and expansion; an excellent name that has brought Microsoft financial success and a huge global presence. The address (One Microsoft Way) and Bill Gates’ date of birth (October 28, 1955) work to the great advantage of Microsoft. There couldn’t be a better combination than the #1 and #4 coming together here: #4 and #1 act like a mirror image of each other. The Sun + Uranus are magical.

Apple, at 1 Infinite Loop, Cupertino, CA, is represented by the mighty Sun (the #1 in the street address) and by Neptune (#7 represented in the name “Apple”), a very mysterious kind of planetary energy. The Sun and Neptune flow in harmony; they’re very compatible energies, and this is one of the many reasons Apple has become a global company. For additional Sun influence, one need only look to Steve Jobs’ date of birth-February 24, 1955-and see that it’s an additional Sun-influenced day. Two Suns working together bring the success Apple has experienced, in harmony with its name.

 

The Importance of Jersey Numbers in Sports

Over the years, I’ve observed that jersey numbers vibrate very powerfully for the players who wear them. These numbers need to be in sync with the players’ names and dates of birth for the player to maximize his potential for success.

In India, where cricket is a huge interest and players also wear player numbers, numerologists are consulted before a player is assigned a number. This is because the number must vibrate with the player’s personal energies. Even in individual sports (for example, tennis or golf), an athlete’s date of birth and publicly known name will vibrate either to help or hinder the athlete.

In June 2005, NFL running back Clinton Portis agreed to pay $18,000 to former Washington Redskins teammate Ifeanyi Ohalete to avoid a trial between the two players. When Portis had been traded to the Redskins by the Denver Broncos in 2004, he wanted jersey number 26, which he had worn for two seasons at Denver. However, Ohalete was already wearing 26 for the Redskins. After discussions, the two players agreed that Ohalete would give Portis the number 26 in exchange for $40,000 and would wear number 30 instead. Clearly, jersey numbers mean a lot to their wearers!

 

About the Author

Jesse Kalsi is a world-renowned numerologist. He specializes in residential, business, and sports numerology and provides valuable insight on the power of numbers and how they affect our lives. In his book, The Power of Home Numbers, he combines his Eastern upbringing with his Western experience to bring awareness and understanding of this phenomenon.

Over the past 20+ years, Jesse has consulted thousands of people and affected their lives positively. His clients include prominent business people and extremely successful communication and entertainment companies. Jesse Kalsi has appeared on many radio and television shows in the U.S., and his unique perspective on Numerology has amazed his audience. He lives in Northern California with his family.

More information is available at http://www.jessekalsi.com.

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30 Sep

Improve your self-esteem with spirituality and prayer

By Kay Christy

Self-esteem is subjective.  We each determine for ourselves our self-worth.  This is the good news and the bad news.  Since this is a personal judgment based on our own assessment, we can change it at any time. Because it is our own assessment, we also create a groove of thought that is both positive and negative, which is similar to how a vinyl record plays with a needle in the groove.

 

This personal groove of thought is where I found myself wanting relief and change.  I desperately wanted to create something that would lay a new pathway in my brain and change the record that played endlessly in the back of my head because of addiction. I was constantly saying to myself that I was not good enough, too large and not right.  At my core, I was not loveable and I felt trapped by my negativity. These negative thoughts played over and over on repeat like how I used to play the Moody Blues song, “Nights in White Satin” on my 1970s record player.

 

There are many writers and inspirational speakers who talk about creative visualization. How using affirmations and positive thinking are intended to improve self-esteem, self-worth and self-perception.  I researched, read and practiced.  I referenced the writings of Louise Hay, Norman Vincent Peale, Wayne Dyer, Shakti Gawain and Marianne Williamson. These authors taught me a new song to sing and a new record to play.  They allowed me to focuses on statements that would improve my self-confidence. I thought of ideas such as how the power and potential of self-esteem could be gleaned from positive thinking.

 

I understood the concepts quickly, but had trouble incorporating them into my daily life.  In the years of my early recovery, I used the book “The Artist’s Way” by Julia Cameron as a writing guide.  In the journaling process of morning pages, I would write messages to myself.  Simple sentences like – everything is just right.  God has my worries taken care of.  The universe loves you.  Today I am in recovery.  Next, I started writing these phrases on small cards and putting them in places where I would see them throughout my day.  They were taped to mirrors, on the refrigerator, the dashboard of my car and inside my wallet. Everywhere I looked, I was helpfully reminded of new ways to train my brain.  I used this same technique when I learned automatic writing to soothe my troublesome thoughts.

 

Within the rooms of the 12-step world of recovery, I felt understood. I learned that prayer could heal emotional and physical afflictions as well as self-loathing.  I learned that I could feel love and compassion for myself and others. I learned the power of surrender and what it feels like to completely release fear in my daily life. This was extremely beneficial for my self-esteem.

 

My journal writing progressed to a daily spiritual practice and I began to experiment with automatic writing where I used my non-dominant hand and let my inner voices of spirit direct my words.

In the beginning, I didn’t know what to call the written pieces.  They were journal entries, yet a bit like poems.  They were affirmations, yet something different.  Calling them prayers seemed right.  I used them in the way I had used the serenity prayer when I first discovering a life without alcohol and drugs.  I realized my mother used verses from the Bible to comfort herself.  My father used the affirmations of Norman Vincent Peale as his thought director. It was all fitting together for me. This helped me to keep writing and I felt happier and stronger.

 

When I pray, my thoughts shift to positivity and calm, which greatly enhances my day. My life becomes easier.  At some point, I stopped attempting to figure things out myself and surrendered to the truth of it.  I now feel better about myself as well as the world that surrounds me.  I can see possibilities that used to elude me.  I now feel more hopeful everyday and have inspiration to share with others.  For me, that is enough.  I am complete.  I am whole. I am love.

 

As I was writing this guest article for the Coffey Talk blog, I asked my internal guidance system to offer a prayer to go with the tagline:  Ancient Wisdom.  Modern Style.  Here is what I wrote for the Coffey Talk readers…

 

Ancient Wisdom

 

The elders gather to chant our names

there is drumming and food

laughter and fire.

 

We are held

and blessed

and washed clean in this highest space

 

Know this today in your modern world

They gather for us

 

The ancestor’s guide

The angels sing our praise

The spirits stand guard

 

We are whole

unique

and free

Know this today and each day forward.

 

About the Author

Kay Christy is  the author of “Gifts from Guidance” and a life coach who has been in recovery for more than 30 years. She received a bachelor’s degree in business from The Evergreen State College and a master’s degree in behavioral science from City University of Seattle. She resides in Olympia, Wash.

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28 Sep

Documents Needed in Estate Planning

Stack of DocumentsA well-planned estate is a wonderful legacy you can leave your heirs — instead of untangling a messy estate, they can follow concrete steps, allowing them to take care of business while mourning their loved one. You should consult with and hire a qualified estate attorney to help you through the process, estate settlement requires a lot of work from the executor, so be prepared! read more

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26 Sep

Silly Questions? Not When It Comes to Your Will

6a01b8d0a6271d970c01bb0870d148970d-500piIt’s something parents shudder to think about: a will. That’s probably why more than half of Americans with children do not have a legal will. Parents love their children, and the concept of dying and not being there for their children is simply not an option they consider. Establishing a will is a vital part of protecting your financial legacy and there is no benefit in delaying it. read more

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23 Sep

Alternatives to a Reverse Mortgage

Woman Looking to SideIf you’re 62 or older, you may be able to convert the equity in your home into cash with a reverse mortgage. This loan lets you borrow against the equity in your home to get a fixed monthly payment or line of credit. Repayment is deferred until you move out, sell the home, become delinquent on property taxes and/or insurance, the home falls into disrepair, or you pass away. read more

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21 Sep

Why Do You Need a Will?

draft_lens6229982module49470302photo_1249598396business-manThis article gives the example of a businessman who had named his son as the nominee in all his investments. Since the son was managing all the father’s investments, it was convenient. But since the businessman passed away without making a will, now his daughter is finding it difficult to prove that she, too, has a right over her father’s investments. In fact, in the case of the father’s equity investments, the daughter may not get anything. The daughter has to get a judge involved, which is cumbersome and can get sticky. read more

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