Why Estate Planning Is Vital

It is not something that most of us want to or enjoy the idea of think about. After all, who really wants to dwell on their mortality and think about how their assets are going to be divided up among their loved ones? However, if you don’t have a plan in place, people who you wanted to inherit that money and other assets you worked so hard to achieve, may not actually get any of it. People wrongly assume that estate planning is just for the rich in society, when, it’s for everyone.

Failure to create an estate plan could mean very expensive and long-lasting problems for the people you leave behind in death. If you do not have many assets and do not think this applies to you, think again and look at some of the most important reasons why you should have an estate plan in place.

Protection for Young Children

Again, who really wants to consider their own mortality, especially thinking about the prospect and chance you may die young? No-one. However, if you are the parent to small children, this is something you should plan for.

By having an estate plan in place and a will, you can make sure your children are looked after when you’ve gone in a way you would approve. You can outline who you want to be their guardians. If they are under 18 and you don’t have something set in stone legally, the courts will make the decision on your behalf and the reality is that this is not always in line with what the deceased would have wanted.

Prevents Family Disputes and Fallouts

You’ve probably heard of the sad and terrible stories that when someone in a family passes away who had a reasonable amount of wealth, all the family members start arguing over who is entitled to what. These kinds of messy arguments and disputes can easily and very regularly do escalate and end up in court. To prevent this from happening, you should take the time to make an estate plan. With set instructions in place, it can eliminate much of the discussion and argument over who gets what and avoid nasty and lengthy court battles between people who really should be mourning and helping each other.

Protection For Heirs From Huge Taxation

AS we’ve established, estate planning is there to protect those you leave behind, and that includes providing them with protection against the IRS. One of the keys to passing on assets to loved ones is to do so without causing them tax bills. With estate planning with a reputable law firm, you can lower or even eliminate the state and federal estate taxes and inheritance taxes they may be required to pay.

Protection for All Beneficiaries

As we noted at the outset, estate planning is no longer reserved for the richest. Most middle-class families nowadays need some form of protection in place if the main breadwinner or breadwinners die. We’ve already noted it with regards to more specific assets, but the basic point is that if you don’t have an estate plan in place, the courts will make the decision of who gets what and this will take a lot longer, cost more and cause messy rifts between loved ones and family members that may never be rectified.

Reasons Why You Should Consider Investing in a New Truck

While in the past, trucks were once the go-to vehicles for construction workers, contractors and farmers, in this modern age and age they have steadily become a noteworthy sign of class, luxury and even sophistication. People in various careers and from different creeds, incomes and backgrounds have made the choice of investing in a brand new truck.

Not convinced, consider the following three compelling reasons why you might buy a new truck instead of a more conventional vehicle.

Raw Power

Are you located out in the countryside somewhere? What is the weather and climate like there? If it can change very dramatically throughout the year, and the roads are troublesome, having a truck at your disposal may be a sensible choice. Depending on the model you decide on, many are made to handle even the roughest of terrain thanks to their horsepower. As well as that beefy engine, they are also bigger and bulkier than cars, and provide you with better ground clearance. Something that might prove vitally important if there is a lot of snow you need to navigate across.

Do You Love Adventures in the Great Outdoors?

If you prefer to holiday out in the sticks in the middle of nowhere, rather than jet setting around the world at fancy beach resorts, then a truck is a nice investment. With a RAM truck, or a JEEP, for instance, you have the towing capabilities and capacity to take along a handy sleepaway camper, along with some bikes and your trusted BBQ grill. When you have access to a truck you can make camping and exploring the wilderness a more enjoyable experience, with the option to make it as comfortable as you possibly want and need.

For Work Purposes

By far one of the most obvious reasons for investing in a truck instead of a conventional car is for work purposes. If you need to tow or haul heavy equipment, whether its gardening and landscaping equipment, construction tools and machinery or something similar, a normal sized family car, really isn’t going to cut it. As mentioned earlier, trucks offer more horsepower and can handle even the heavier duty haulage and towing jobs.

It really doesn’t matter what industry you are involved in or if you just need to help a friend in need, a truck is answer.

Trucks Can Be Versatile Too

Depending on the model of truck you buy, you may also be able to get the benefit of something with power, but also one that can accommodate passengers too.

So, if you are in the market for a new vehicle and need something with a bit more oomph than the average car, look to trucks instead. There is a wide range of Jeep and RAM models out there. The best way to decide what is right for you is by making a list of capabilities and features you require from your automobile and then look at what’s available and find the trucks that best match your needs.

How to Test Drive a New Car Before Buying

It is thought that around 90% of people who buy a new car, test drive it before deciding about it. We are not sure what that says about the other 10%, other than they are very foolish. Now, many of them probably managed to buy a new car and didn’t suffer any problems or issues as a result of going into the purchase with their hands over their eyes. But, it’s the potential for making mistakes and those mistakes being rather expensive which is why we would advise against buying without test driving it first.

Why Test Drive?

The reasons why you should test drive a car before buying it are the same as why you should try on clothing before buying them. You want to make sure, in both scenarios, that they are a good fit for you. You need to feel comfortable sitting in, driving and travelling in a car, just as you do with a pair of jeans or a new frock. When you are looking at new car sales, test drives will help you determine the makes and models that are right for you.

When you arrange for a test drive, there are certain things you need to look out for. We have outlined some of the most important below.

Take Your Whole Family Along

Some people may think it’s best to handle all test drives on their own. Thinking that the peace and quiet will help them to figure out if it’s a good fit for them or not. However, the opposite is almost always better. You should not only take along your partner or spouse for the test drive, but any children you have, because you need to know how everyone who will be travelling in the car frequently finds the experience.

Check You Have an Unobstructed View

When checking the car while you test drive it, ensure the view you have through all the mirrors is clear and unobstructed. You also need to ensure that you are able to keep a close eye on all the important gauges and levels displayed on the dashboard.

Check the Various Controls

Run through the basic controls. Check the air conditioning functions properly. Find the turn signals and take some turns to make sure they work as they should. Run the windshield wipers, even just briefly, to make sure there are no faults. Basically, check all the controls to make sure you can operate them comfortably and easily. In some models, many people find their fingers are too big for operating levers, buttons and switches.

Check the Brakes and Handling

Obviously, you need to know that the car will handle well on the road and that the brakes work. Just because you are looking for a vehicle in the new car sales market, doesn’t mean everything will work properly. So always make sure you the accelerator and brakes respond as they should, and that the vehicle is easy to maneuver.

6 Family-Inspired Décor Items for Your Home


For people who do not have professional decorating expertise and experience, which is the case for most of us, thinking of home décor is overwhelming. If you want your happy family to inspire your home décor, keep on reading and we’ll round up the best décor ideas to consider.

  1. Framed Photo Prints

This is one of the best ways to showcase your family in your home décor. Take advantage of the free photo prints you can get from Shutterfly to do this on a budget. You can print a large family portrait, frame it, and display it in the foyer or living room. If this seems too grand and if you cannot select a single photo to show off, you might want to build a gallery wall, which is also sure to be a great conversation starter when you have guests.

For high-quality photo prints and other creative family-inspired décor ideas, be sure to check out Shutterfly.com.

  1. Hang Pics in a Clothesline

For a more bohemian and rustic appeal, ditch the frames. Instead, use a clothesline to pin your family photos. This works best for small prints like those from Polaroid or Instax cameras. This is a great way to showcase family memories, such as a recent vacation. Use only small-sized photos. To make it more magical, add a string of fairy lights.

  1. Say It with a Quote

Use family quotes to make your décor more meaningful. There are several ways by which you can incorporate inspirational quotes into your décor, such as through texts that accompany photo prints, framed art, and even a customized wallpaper.

  1. Family Tree on the Wall

This is one easy creative project that most of you can easily pull off. Start by painting the wall white so that you will have a blank canvas. Draw a tree. On its branches, display framed photos of each family member. If you are a big family, make sure that the wall has more than enough space for everyone.

  1. Memory Jar

Buy a big jar where you can keep everything that reminds you of your family, such as plane tickets and other mementos from family travels. Display it in the living room and show it off to your guests. It is a good way to start a conversation with your guests as you try to explain the meaning of everything that is in the jar.

  1. Coffee Table Books

Coffee table books are presentable. They add a decorative element on the top of any table. One secret to making it stand out is to choose oversized ones. Make the coffee table book interesting by adding family photos. Take this as an opportunity to tell a story. For instance, you can collate pictures from your favorite family vacation. Add quotes and notes about where the photo was taken to make it more special.

Make your home more beautiful with décor that is inspired by your family! Take note of our suggestions above to do this creatively!