Five Common Reasons To Consult An Elder Law Attorney | laws and issues

You may have heard of the term ‘elder law’ and wondered what, exactly, it meant. Simply put, an elder law specialist has taken the time to learn as much as possible about any laws affecting the lives of senior citizens and their families. There are many different issues that fall under the elder law heading, but some of the most common are outlined here.Protecting Seniors From AbuseThis is one of the most distressing examples of why you may want to consult an attorney specializing in concerns of the elderly. If you have an aged parent who is in a nursing home, receiving skilled nursing care, or being cared for by someone else and you suspect that your parent is being neglected or abused, you must consult with a litigation attorney as soon as possible who specializes in cases of elder abuse. They can give you the guidance and support you need while investigating and filing suit against the abuser or abusers. Protecting the dignity and welfare of seniors is one of the most rewarding aspects of handling legal issues for the elderly.Helping With Financial PlanningIf you’re getting ready to retire, an elder law specialist who has experience in financial planning can help you develop a solid, long-term financial plan that will protect your finances while allowing you to live comfortably in your golden years. Estate lawyers can also help you choose an appropriate nursing home or assisted living facility when the time comes and oversee your finances to make sure your bills are paid and your property is handled correctly.Estate PlanningIt’s crucial that a properly executed will is prepared for you in order to make sure your estate is handled properly after your death. Meeting with estate lawyers to discuss your heirs and last wishes is crucial if you have an estate of any size. A will that clearly and concisely states who will inherit what and how your estate is to be distributed can prevent your heirs from squabbling about your estate after you’ve passed away. Writing a will and structuring an estate in order to protect your assets even after your death is one of the most common reasons people consult with elder law attorneys.Social Security DisputesSocial security is a financial safety net for many seniors after retirement. Depending on the monthly checks you receive from social security can be difficult, particularly if you don’t feel you’re receiving appropriate benefits. If you have a dispute over your social security payments, an elder law litigation attorney can represent you and protect your interests, helping you get the social security benefits you deserve.Grandparents’ RightsLitigation attorneys can represent grandparents who have lost contact with their grandchildren through no fault of their own. A divorce or separation is always heart wrenching, but when parents use their children as weapons in an unpleasant divorce, it is often the grandparents who suffer when an unhappy parent won’t let children visit grandparents who are the family of their ex-spouse. Fortunately, there are elder laws that cover such situations, and an experienced litigation attorney can work with family courts to ensure you are able to continue enjoying a relationship with your grandchildren.If you or a loved one is facing an elder law issue, consulting with experienced estate lawyers or getting a litigation attorney who is familiar with legal issues concerning the elderly is your best bet for resolving the issue to your satisfaction.

Fashion TV – What You Can Learn From Fashion Television | Fashion

While I’m not a die-hard fan of any particular fashion TV show, I think there’s a lot you can learn from the various shows about fashion as well as those that feature fashion prominently in their story lines. While you may not agree with or like everything you see on them, fashion shows – like cooking shows – help broaden your understanding of the art, which in turn, helps you dress better.Here’s a rundown of some of the most popular fashion TV shows (check your local listings for time and channel):Project RunwayProject Runway is a reality show that pits aspiring fashion designers against other in a series of design challenges. The winner gets $100,000 to launch his first line, and builds name recognition and a following throughout the competition. Design contestants have had to do some crazy things over the years, like make apparel from grocery store items (remember Austin Scarlett’s beautiful corn husk dress?), design Wrestlemania costumes, work with couture prom gown clients, create cocktail apparel for their mothers, and more. Throw in a little back-stabbing, snarky comments, and down-to-the-deadline high drama, and it’s really easy to get addicted.What you can learn: design terms, clothing elements, styling tips, and how to work on a budget.What Not To WearIn this recurring pauper-to-princess tale, badly-dressed clients are nominated for makeovers by friends and family. The hosts track down the client in a public place, embarrass the heck out of her, and promise to finance a clothing shopping spree IF she agrees to listen to their fashion advice. If she does, she’s given a head-to-toe makeover and then returned home beautifully dressed to the astonishment of those nominating friends and family. While I don’t always agree with the clothing advice given to the clients, I do like that they use men and women of all ages, shapes, and sizes to makeover. I also like when the clients realize that they CAN change their life by changing their clothes, because I’ve seen it with my own clients time and again.What you can learn: how to dress various body shapes, how to dress for different occasions, and how to gain confidence through appropriate wardrobe choices.The Rachel Zoe ProjectRachel Zoe is a celebrity stylist who dresses her famous clients for TV appearances, movie premieres, and red carpet events. While I don’t always agree with her choices – and am ASTOUNDED by how many of her clients allow her to dictate their public image by wearing whatever she tells them to* – I can’t help but be impressed by how hard this woman works. With her backstage access to designers, models, and celebrities, she knows entire collections, how to put clothing elements together, and perhaps most importantly, how to make high-level contacts and massage delicate egos to get what she wants.What you can learn: designers, clothing and accessory terms, styling tips, and how to build a million-dollar Rolodex.*Lana Turner knew exactly how high to cut the slits in her skirts so no cellulite showed. Marlene Dietrich brought her own lighting equipment to movie sets and dictated how she was to be lit. Audrey Hepburn insisted on Givenchy apparel both in films and for personal use, because she felt he alone best understood how to dress her. They would NEVER hand their public image over to someone else to manage.Sex and the CityPerhaps the ultimate fashion TV [http://fashionforrealwomen.com/blog/articles/fashion-fun/celebrity-fashion/fashion-tv-what-you-can-learn-from-fashion-television/] show, “Sex and the City” follows the life of four friends who work, play, and date in New York City. On HBO from 1998-2004 (and currently in edited re-runs elsewhere), the show was groundbreaking for it subject matter, nudity, and fashion. Not only were Carrie Bradshaw’s clothes expensive, eclectic, and unlike anything else on TV, this show — like “The Nanny” – clearly demonstrated just how much our clothes reveal about who we are and where we come from: Carrie, the bohemian writer; Samantha, the creative, hot-shot publicist; Charlotte, the proper WASP princess, and Miranda, the no-nonsense lawyer. Regardless of where they went or what they wore, those personas were almost always reflected in their style of dress.What you can learn: designers, styling tips, how to dress for different occasions and occupations, how to dress at different levels of society.Ugly Betty”Ugly Betty” follows the life of a sweet, smart, average-size, average-looking assistant from Queens who tries to fit into the reed-thin, high-glamour world of New York fashion. Betty’s clothes are appropriate for her position and budget, but they pale in comparison to her high-wattage, fashion-obsessed co-workers. Not surprisingly, the costumer behind “Ugly Betty,” Patricia Field, was also the mastermind behind “Sex and the City” and “The Devil Wears Prada,” so you see plenty of big designer, high priced clothes.What you can learn: styling ideas, what to wear at different levels, what NOT to wear.Mad MenSet in New York in the early 1960′s, this style-savvy show offers some of the best period costumes on television. Great suits, pretty dresses, and carefully selected hats, gloves, and bags take me back to my childhood when taking pride in your appearance and dressing appropriately for every occasion were as important as working hard and minding your manners. Beautiful clothes, artful grooming, and lovely sets make this show a pleasure to watch.What you can learn: occasion-appropriate attire, how to accessorize, historical costuming.Now as I said, I don’t always agree with everything on every show, but they’re fun to watch if for no other reason than because fashion plays such a dominate roll. You can always find something to take away and use from each program.

Three Steps to Make An Investment Plan | investing

If you invest you need an investment plan. Your chances of reaching your financial goals soar if your investments are based on sound principles and a written plan. Your chances for failure are increased exponentially with every investment planning step you fail to complete.The financial world changes rapidly. Markets go up, they go down. Economies change pace and business cycles fluctuate. Politics, monetary policy, and world events knock your finances off course at a rapid pace.A pilot has a plan before taking off. They run through a pre-flight checklist, make sure they know where they’re going, what to expect from the weather, and what time they need to leave to reach their destination.Can you imagine if your pilot didn’t have a plan? What is your backup if the weather pushes you off course? What if you have a mechanical issue and need to land somewhere else? Every pilot knows ahead of time how to deal with challenges.Investing can be complicated, confusing, and even scary. But a well structured investment plan can take the fear out of investing and keep you on track to reach your goals.Just how do you create an investment plan? Here’s a few short steps to get you well on your way to investing success! These are just a start however and there is much to be learned over time. I recommend reading “Simple Wealth, Inevitable Wealth” by Nick Murray and “The Only Guide To A Winning Investment Strategy You’ll Ever Need” by Larry Swedroe.
Define Your Goals. You need to know where your going to figuring out how to get there. What are you investing for? Retirement? The kids college? A large purchase? Once you define your goals you can calculate how much it will take to achieve them. Vanguard.com has some excellent investment calculators.
Create Your Investment Policy: An Investment Policy Statement (IPS) is a document which defines the parameters for which you’ll invest. It should be in writing and it’s a very important part of your investment plan management. It helps you avoid ad hoc revisions to an otherwise well thought out investment strategy and provides a framework for making wise investing decisions in the future. Your Investment Policy Statement should detail the types of investments you’ll own, how you’ll select the managers for your investments (which mutual funds or ETF’s may be purchase), how you’ll replace those investments when necessary, what percentages of which asset classes will be purchased, when you’ll need to draw income and how much, how you’ll manage and monitor your investments, when you’ll re-balance your portfolio.
Manage, Monitor and Maintain: Finally it’s not enough just to invest your money and forget about it! Investing takes time and you should schedule a portfolio investment review at least annually if not semi-annually.
Each investment review should track your current investment assets against a benchmark of where you should be in order to meet your goals. It should also prompt a fresh round of due diligence and an asset allocation check on your investments. Mutual funds or ETF’s which were once great may have fallen out of favor, and because the world changes so rapidly it’s a certainty that your asset allocation will have changed which may require adjusting.The important thing to remember is that if your investment plan was created properly up front, you should continue to have faith and confidence in it – yet the process will need to be monitored and refined. Make changes and adjustments over time as your financial situation changes, but never make emotional random changes in response to market fluctuations.