Why Only Rich Kids At The Lake?

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Whatever Happened To The Family Cottage/Cabin/Hunting Land?
A Little Bit Of Smarts, A Future Of Golden Memories

Birds Do It, Bees Do It, Even Educated Fleas Do It
Let’s Do It! Let’s Go To The Lake!

—Sincere Apologies to Cole Porter

In uncivilized countries, such as those in Europe and Asia, new workers start out with 6 weeks of mandatory vacation (which they confusingly call “holiday”). Not including public holidays (which they call “festivals” or something). What do these folks do with such excessive periods of sloth and inactivity? Who knows? Who cares?

In America, on the other hand, we have weekends. And summer! And a week or two of “vacation”. And being Americans, we do not wish to waste this time. If Americans were as sedentary and unambitious as our global neighbors, we could spend this time in sidewalk cafés, art museums and reading. Improving our minds. Getting culture. Ghastly stuff. “Deliver us O Lord, we pray…”

Unlike our fellow travelers on Spaceship Earth, all true Americans find home improvement projects irresistible. Paint the walls. Build a deck. Plant a garden. Cut the grass. Replace, polish, fix or improve whatever has not been recently replaced, polished, fixed or improved. Pitiful, benighted foreigners have foreign places with palaces, temples, pagodas, and castles. Blessed, muscular Americans have Lowe’s, Harbor Freight, and Home Depot. Seems like an easy choice.

Sooner or later, though, all true Americans feel the restless urge to get out of Dodge, at least on the weekends. In the summertime. Or hunting season. We ran out of things to improve around the house. The deer ate all the tomato plants. It’s too hot. We were bored. So we got another house. In God’s country!

In the American Tradition, the second home could be a house. Or single wide. Perhaps a shack with no indoor plumbing or insulation. On a 40 foot lot. At the lake, at the shore, in the woods, somewhere other than here. From Idlewild in Lake County to Beaver Island in Lake Michigan, American middle class workers by the thousands filled the developments which sprang up around every lake, pond, and ditch within driving distance. And because the lake wasn’t big enough, we dug canals, dammed creeks, and otherwise expanded our Water Wonderland. Magnificent! And not only lakes, but the woods filled with weekend escapes too! Glorious!

At grandmother’s cottage many of us learned to swim and fish. Caught tadpoles and watched them grow to frogs. Searched for salamanders under logs and rocks. Got mosquito bites and poison ivy. Fell in the mud. Played in the sand. Went ice-fishing in the winter. Campfires on the shore. Remember?

Whatever happened to that place? How much would it cost to buy something similar today? Why did we get rid of it? Too bad our kids and grandkids won’t have the experiences we did. Or the memories. At least they have iPads.

The Family Cottage LifeCycle

To everything there is a season,
A time for every purpose under heaven:
2 A time to be born, And a time to die; 6 A time to gain, And a time to lose;
A time to keep,
And a time to throw away;

—Ecclesiastes 3:1-2,6

Is it a ridiculous idea that there is a lifecycle to family cottages and recreation properties? There is a routine evolution in the relationship between family and property. Is it a bad idea to recognize the lifecycle and work with it? Are you against preserving unique opportunities for your family?

The Family Cottage Lifecycle:
1. Young Child: Best. Place. Ever!
2. Teenager: So stupid. Boring. Smells funny.
3. Young Adult: My life is busy. I have no time for that place. If I inherit a share, I’m selling it… I need money for tuition/new car/down payment/taxes…
4. Parent of Young Child: Why did we ever sell the cottage? We can’t even afford to rent at the lake today.
5. Older and Wiser: If I ever get the opportunity, I won’t make that mistake again.

We all pass through seasons in our lives. As we gain experience, some important-seeming situations will fade to nothing. Other events will become more meaningful as time goes by. Wisdom and perspective cannot be taught, only learned. Growing up is the tuition that must be paid for insight.

Are long-term decisions best left to the youngest, least- experienced folks? Is it wrong for those with proven perception and prudence to plan for the long-term? Do you sacrifice long term gain for short term pleasure?

Estate Planning Done Wrong
Two Estate Planning Blunders That Guarantee Failure

Traditional estate planning, if it has any purpose at all, dumps your leftover stuff on your beneficiaries. After you die. Don’t much care what happens to you while you are alive.

Traditional estate planning fails because the overwhelming majority of us will need long-term skilled care. 70% of us. For an average of 3 years. And we will go broke paying for it.

Is it surprising that thousands of recreation properties: cottages, cabins, hunting land, are lost to pay for long- term care?

LifePlanning™ defeats Nursing Home Poverty. Keep your stuff. Get the care you have already paid for.

LifePlanning™ means you do not have to sell the cottage and “spend down” the proceeds. Now what to do with the recreational property?

Traditional estate planning offers two options:
1. Circular Firing Squad or Last Man Standing
2. The Corporate Model or Last One Out is a Rotten Egg

Circular Firing Squad is easy, cheap and disastrous.

The Corporate Model is not easy, not cheap, and not as disastrous.

Circular Firing Squad

Putting all the kids “on the deed” is the circular firing squad. It is the easiest, cheapest, most popular, and worst possible way to leave recreation property to kids.

“Last Man Standing” is the most common Circular Firing Squad method. This involves naming all of the children or other beneficiaries as Joint Tenants with full Rights of Survivorship (JTWROS) on the deed. As joint tenants with rights of survivorship, the last living person owns the entire property. Did you plan to disinherit most of the family?

JTWROS deeds also deny Medicaid benefits to your kids and their spouses. Medicaid treats their share as if it was cash in the bank. But it is NOT cash in the bank, it is a fractional interest that is totally locked up in the property. And now your kids are disqualified from Medicaid. Whoops!

But that is not the worst. JTWROS deeds have no rules. Other than each person can fully use the property without the others’ permission. Congratulations! Your child is the new president of the Pagan Assassins Mud Wrestling Team – Australian Rules. Your child invites the entire 32 member, mixed gender team to the cottage. On the 4th of July. Your child has never paid their share of the taxes, utilities or maintenance. When the Pagan Assassins leave, the place is a bloody shambles. And there is nothing the other kids can do about it. In fact, since you signed a standard, immediately effective, JTWROS deed, there is nothing YOU can do about it. Not even dead yet and already you have lost control of your property. Did you know that when you signed on for this quick and easy solution?

Ladybird to the Rescue? You may have used a ladybird or transfer on death deed to create this living hell. Good News! At least the suffering will not begin until after you have passed on to your reward. Then the JTWROS takes effect and we are off to the races.

You may also create a Circular Firing Squad using a “Tenants in Common” deed. The TIC deed gives individual shares to each child while you retain a share. Unlike JTWROS, each child owns a piece that they can give to the grandkids. Or sell to the Pagan Assassins. Just as with JTWROS, there are no rules.

Did I mention that each Circular Firing Squad method leaves the other kids open to liability claims from the unsanctioned “activities”? And it does no good for them to abandon the property, now they can be prosecuted for housing code violations. And please! Do not get me started on that methamphetamine lab in the basement. Or the fentanyl stockpile in the shed. Oh my!

If you are going to create a Circular Firing Squad, use the TIC method. If they all hate each other enough, they can go to probate court, sue one another, and force a sale. Thanks Mom! Thanks Dad! Great planning!

The Corporate Model: Last One Out Is A Rotten Egg

Do you really want to leave stuff to the kids without any rules? Is blunt force trauma the best way to make sure your grandkids will learn how to swim at the lake? Do you want to empower one of your kids to hold the others hostage?

There are many permutations of the Corporate Model. Most use a limited liability company to hold the real estate and give shares to the kids. And there are rules. And governing provisions. And limited liability for the kids. Still have that pesky Medicaid problem with disqualification, but I guess you cannot have everything.

A general rule in a corporate structure is that minority members can sell their shares and get out. The usual Cottage LLC requires the other members to buy out the one who wants to sell. And if they do not… say hello to the Pagan Assassins.

Doesn’t seem like such a big deal. One kid wants to move to the Himalayas and commune with the mountain spirits. That kid is not planning to come back. Or perhaps another kid wants his money to buy a car. The cottage does not seem so important right now. The problem is not one of law. The buyout provisions are clear and enforceable.

The problem is that as soon as one kid wants out, so do the rest. The other kids don’t want to pay, frequently they are not able to pay. It was a blessing to have had the cottage so long, but now it must go. Over and over again, if one kid wants out, they all do. Last one out is a rotten egg!

The Corporate Model fails because it depends on the continued unanimous support of all the family members. The chain is only as strong as its weakest link.

What if there were no links? What if no individual could torpedo the entire family’s legacy?

The National Park Model: Recipe For Success

There is nothing so American as our national parks. The scenery and the wildlife are native. The fundamental idea behind the parks is native. It is, in brief, that the country belongs to the people, that it is in process of making for the enrichment of the lives of all of us. The parks stand as the outward symbol of the great human principle.

—Franklin D. Roosevelt

You will never go to Yosemite National Park. You have Yosemite-phobia. And a doctor’s note to prove it. Since you will never go to Yosemite, you write to the National Park Service. You demand your share of the value of Yosemite. Cash me out! Do you expect a response?

Roosevelt’s “fundamental idea” is that the national parks belong to everyone, down through the generations. The big idea is simple: Preserve it now or lose it forever.

Isn’t that the idea behind leaving the family cottage to the family? Could you afford, right now, to purchase your cottage, cabin, hunting land? Of course not! Lake Michigan properties that sold in the $20-30,000 range in the 60’s and 70’s are in the millions now. If you can find one. And the same is true of smaller lakes. The wild price inflation is less for hunting land, but still forbidding.

At the turn of the last century, a few visionaries like Teddy Roosevelt and John Muir saw that without national preservation efforts, irreplaceable natural treasures would be lost. In other countries, the rich and the royal preserved land for their own benefit. In America, we did it for all of us. And our descendants.

The National Park Model is a new way of looking at your cottage or recreational property. You are making a promise to your future family that short-term considerations will not outweigh long term goals.

The basic principles are straightforward and are familiar to anyone who has ever traveled or camped in a national, state or local park:

1. Rules for Use. Family members are stewards of a gift. Rules for use and care will be clear and must be observed. There will be an evenhanded system for allocating the available space among various family members.
2. Financial Responsibility. Budgets will be prepared, including all taxes, utilities, insurance and sinking funds for all capital improvements, including the roof, plumbing, fixtures and utilities. Present and future expenses will be identified and incorporated.
3. Nobody Rides for Free. You can’t get in a Park without a sticker to pay for the road. You can’t stay overnight without paying for your campsite. You can’t stay at the Cottage without paying the necessary charge to cover your share of the budget. In advance.

There are other provisions that allow for limited liability and definition of membership. These can all be tailored to the specific needs of individual families.

On March 1, 1872, President Ulysses S. Grant created Yellowstone as the first national park in the United States and the world. For over 150 years, Yellowstone has been preserved and available to all Americans.

Is it ridiculous to think that the same concepts that worked for Yellowstone for the last 150 years could preserve your family’s heritage too? Are you against providing that sort of experience to your children, grandchildren, and generations yet unborn?

If not you, who? If not now, when?
Is Now A Bad Time For Real Solutions?

Does anyone on this earth have all the answers? Does that mean we should give up seeking the best answers we can find? Perhaps you already have an answer to this problem. Maybe you do not see this as a problem at all. Why not find out? Is now a bad time to find out how to obtain security for yourself? And your family?

Peace of mind and financial security are waiting for everyone who practices LifePlanning™ You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

Can Your Plan Survive A Punch In The Mouth?

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“Everybody’s Got A Plan… Until They Get Punched In The Mouth”

—Iron Mike Tyson, Philosopher

Why Do 96% Of Trust-Based Estate Plans Fail?
You Paid Good Money, Why Did You Get Such A Lousy Plan?
Your Banker, Accountant, Insurance Agent, Tax Preparer, Financial Advisor, Attorney All Know Your Trust Won’t Work… Why Aren’t They Telling You?

“No plan of operations extends with certainty
beyond the first encounter with the enemy’s main strength.”

—Von Moltke the Elder, German Field Marshal

Is it easy to plan for the future? How can we anticipate changes in the law, changes in the rules, changes in our health? Sure, you like Von Moltke The Elder your kids now, but what if one of them [Fill- Creative Commons In-The-Blank]? Do things always turn out just as you expect?

For example, let’s say you are evil. And decide to invade a neighboring country. Seems like a good idea to you. Everybody thinks it’ll be super. Plus, everybody says the people in that neighboring country will welcome your bullets, bombs, death and destruction. They simply cannot wait for you to rescue them from independence. So you plan. Poorly. Who needs extra food rations or ammo? Not us! Instead, your invading soldiers pack their dress uniforms for a Victory Parade. What? Me worry?

What if things do not go according to your plan? What if you get punched in the mouth? What if your invasion takes days rather than hours? Weeks rather than days? Thousands of your guys dead? And your missiles are falling on maternity hospitals? Plus you have run out of gas, your vehicles break down, and your tires are falling apart? And because your military radios don’t work, you use open access civilian walkie-talkies. Your economy in shambles? Then what, Mr. Evil Invader Guy? Are you in deep trouble?

Maybe. But what if your primary geopolitical adversary is a corrupt career grifter whose primary skill is steering bribes to family members? What if this opponent was also an aw-shucks front for multinational corporations? What if he was well known for plagiarizing the homespun life stories of other politicians? Lucky you, Mr. Evil. Maybe you’ll be OK.

Of course, that is all so unrealistic and fantastical, it could never happen in real life. Ha ha. Mr. Evil invading a sovereign country in the heart of Europe… ridiculous! Bumbling, ineffective opposition who claims “I maybe Irish, but I’m not stupid!”… preposterous!

And since we are being so silly and ridiculous, let’s add a few more what-if’s, shall we? What if that grifting politician was also suffering from the onset of dementia? And what if the second-in-command was also a grifter, as well as a national embarrassment and disgrace? And what if the next backup replacement was, of course, also a grifter, but over 80 years old with mannerisms indistinguishable from public drunkenness? Absurd, of course, Mr. Evil Invader Guy would sure have to be lucky!

Too outlandish. But remember what Yogi Berra said:

‘It’s tough to make predictions,
especially about the future!’

What if you seek normalcy? You have had enough excitement. All you want is for things to go smoothly. Calm. Peaceful. Simple. So you plan for peace. To run things, you hire a guy who says he is a no malarkey, down-to-earth fella. And you believe him.

All of a sudden, Mr. Evil appears. Wars erupt. Prices skyrocket. Food shortages are threatened. People getting shot in the streets. Atomic war back on the table. People at each other’s throats. And all you did was hire a nice old man to take care of things for a little while so the world could simmer down. So much for your plans.

Planning is tough. No kidding. It takes a lot of work to make things work. As the Dread Pirate Roberts, a/k/a Farmboy Wesley, said to Princess Buttercup:

“Life is pain, highness.
Anyone who says differently is selling something.”

—William Goldman, The Princess Bride

Why Your Trust Will Fail, Despite Your Best Laid Plans

Your trust will fail because you will not retitle your assets to the trust. That is it. Simple. In your trust binder is a memo telling you to put your stuff into the trust. You did not do it. That is how your assets will wind up in probate. That is why your trust will not avoid probate. And because you got the memo, it is all your fault.

You have heard all this before, right? Boring! So let’s go to the next level.

How Ladybird Deeds Cost Regular Folks Millions Of Dollars
How A Ladybird Deed May Cost You $68,500 Warning: This Part Is Really Confusing

Seems like lots of folks are doing ladybird deeds. Also known as “enhanced life estate” deeds. Or “transfer on death” deeds. There are many reasons to avoid ladybird deeds, except in precise circumstances. Unfortunately, many folks (including so-called elder law attorneys) think these deeds are “Medicaid-friendly.” They cannot tell you why these deeds are so “friendly”, but they will repeat the phrase endlessly.

We are not getting into all the reasons ladybird deeds are disastrous. Like a laser beam, our focus is how the misguided ladybird deed can cost a married couple $68,500. And why the hapless, hopeless person who told you to do a ladybird deed should stick to doing something else. Like drunk driver defense or something…

As you know, this blog is an infallible source of witty repartee, banter, life lessons, and easy-to-understand concepts. What follows is none of that. So do not complain to me if you keep reading.

I call this the “Pump Up the Pie” technique. If you can have half a pie, do you want a small pie or a big pie to start? I say, let us make the pie as big as possible. This technique has saved hundreds of families well over a million dollars: Background: How It Usually Goes, The $68,500 Mistake!

1. A married couple. John and Jane. (Or Jane and Jane, etc, it’s up to you.)
2. John and Jane own a house worth $137,000. Ladybird deed to the kids. Or a trust.
3. John and Jane have a checking account with $139,000.
4. John has dementia, needs skilled long-term care, checks into a Skilled Nursing Facility (“SNF”) for the duration. At $12-$15,000 per month.
5. Jane says “Oh dear! How will I pay?”
6. The Protected Spousal Amount – Minimized By Poor Planning
a. SNF social worker says, “Jane, what do you and John own?”
b. Jane: “House with ladybird deed.”
c. SNF Social Worker: “We don’t care about that. Homestead with or without ladybird deed is exempt. What else?”
d. Jane: “Checking Account with “$139,000.”
e. SNF Social Worker: “Well, John gets to keep $2000. And you can keep one-half of what is left! Your Protected Spousal Amount, that you can keep, is $68,500.”
f. Jane: “What?”
g. SNF Social Worker; “After you ‘spend down’ to $68,500, Medicaid will pay the bills.”
h. Jane; “Oh happy day! I thought I’d go bankrupt!”
i. SNF Social Worker: “Yes, happy days are here again.”
7. Jane pays the SNF the $68,500 and 4 months later, John is on Medicaid. With a dodgy roommate. And one shower a week. And laundry service that lost all his clothes, but provides others “just as good.”
8. Jane is entitled to the “Minimum Monthly Maintenance Needs Allowance” and gets some of John’s income through the “Community Spouse Income Allowance” so she can make ends meet, month to month.

SUMMARY: When a married person needs Medicaid to pay for long-term care, the Community Spouse can keep one-half of the lifesavings up to a maximum of $137,000 (for 2022). Remaining lifesavings go to the facility for care of the Institutionalized Spouse (Or other spend-down.)
NOTE: Is it obvious that lots of details are being left out? Well, lots of details are being left out.

Planning Ahead: Do No Harm, Preserve Lifesavings

Here’s how we get John the Medicaid benefits that he and Jane have earned, without calamitous “spend-down” of lifesavings security.
1. A married couple. John and Jane. (Or John and John, etc, your call.)
2. John and Jane own a house worth $137,000. Deeded to their basic, vanilla, nothing special, garden variety, revocable living trust (“RLT”).
3. John and Jane have a checking account with $139,000.
4. John has dementia, needs skilled long-term care, checks into a Skilled Nursing Facility (“SNF”) for the duration. At $12-$15,000 per month.
5. Jane says “Oh dear! How will I pay?”
6. The Protected Spousal Amount – Maximized by Brilliance
a. SNF social worker says, “Jane, what do you and John own?”
b. Jane: “House that is deeded to our RLT.”
c. SNF Social Worker: “Oh no! That is terrible! When a house is deeded to an RLT, it is NOT exempt. It counts just as if it were cash! So sad… What else?”
d. Jane: “Checking Account with “$139,000.”
e. SNF Social Worker: “Well John gets to keep $2000.”
f. SNF Social Worker: “Now we have to figure out how much you can keep as your Protected Spousal Amount. Let’s see, there is $137,000 of house that counts like cash, PLUS, $137,000 of real cash. That is a total of $274,000. And you can keep one-half! You can keep $137,000.”
g. Jane: “That’s great! With a ladybird deed I could only keep $68,500.”
h. SNF Social Worker: “Yeah, but now you have to sell the house. And give us the money.”
i. Jane: “Urk!”
7. Jane has a Special Telephone Conversation with her Attorney from the parking lot:
a. Jane: “#@*^%#!!! $@!#$%!!!”
b. 20 minutes later…
c. Attorney: “Jane?”
d. Jane: “I can’t believe you cost me my house! You are Mr. Evil. -)<>(-@#$!!”
e. Attorney: “I may be Irish, but I’m not evil.”
f. Jane: “Prove it!”
g. Attorney: “Because the house was in the trust on the first day of continuous care, which is also called the Initial Asset Assessment Date, or the snapshot date, the house counted as cash.”
h. Jane: “I already know that you hellhound!”
i. Attorney: “Because the house counted as cash, your Protected Spousal Amount (aka Community Spouse Resource Allowance) is maxed out at $137,000.”
j. Jane: “Enough with the double-talk you shifty shyster. You cost me my home!”
k. Attorney: “No, not at all… because we anticipated this situation and wrote the trust and the powers of attorney as we did, you can now deed the house out of the trust to you and John.”
l. Jane: “So what?!”
m. Attorney: “So now, the house is not countable cash, it is exempt homestead once again!”
n. Jane: “You mean it just disappears?”
o. Attorney: “No, we account for the house to the Medicaid folks, but now it is exempt homestead, because it is in your name and John’s.”
p. Jane: “David, is this legal?”
q. Attorney: “Oh yes, Bridges Eligibility Manual 405 says ‘Converting an asset from one form to another of equal value is not divestment even if the new asset is exempt.’ We are converting your home from countable asset to exempt homestead.”
r. Jane: “I think you’re giving me the old razzamatazz!”
s. Attorney: “What we have done together is a plan that just saved you $68,500, because John immediately qualifies for Medicaid without any spend down.”
t. Jane: “That’s OK, I guess.”
8. What if Jane dies first?
a. Jane: “But what if I die first? Then John owns the house and all the assets and they all melt away like snowflakes on a hot griddle!”
b. Attorney: “Good point. So here’s what we do next:
i. Deed the house from John to Jane, only.
ii. Amend the RLT to provide that at Jane’s death, if John is still alive, the RLT assets, including house and money, all go to a new trust established by Jane’s will.
iii. Deed the house from Jane to the RLT, but NOW using a ladybird deed. This way the house does not actually transfer until Jane dies. This way the house does not count like cash.”
c. Jane: “Why do I have to do a new trust established by my will? That sounds like make work for you lazy lawyers!”
d. Attorney: “Honestly, I don’t know why they make us do it this way, but BEM 401 says the trust must be “established by a will” or all the assets will count against John.”
e. Jane: “But you keep saying that wills mean probate!”
f. Attorney: “Yes, there is a two-page filing in probate court to set up this trust for John, but no inventory or accounting. Simple and quick. First with experience and quality.”
g. Attorney: “Now all the family assets are held for John’s benefit.”
h. Jane: “That’s OK, I guess.”
9. What happens when John dies?
a. Jane: “So what happens to the leftovers after John dies?”
b. Attorney: “The trust in your will says to put the assets back in the original trust after John dies, so the distribution to your kids and beneficiaries stays private and out of the probate court.
c. Jane: “Well, you certainly seem to have thought of everything!”
d. Attorney: “Yes, we are amazing!”

If you are still reading this, you may be getting the idea that there’s a lot going on here. And you would be correct. The bigger question: Is it worth it?

Even If This All Works… Is It Worth It?

Imagine that your dad is a high-flying politician. That you are a crack-smoking, self-indulgent, profane, idiot who likes to video his sex and drugs and rock n roll on his laptops. And then lose various laptops at least 3-4 times. Imagine that you can break all the rules because you funnel the back channel bribe money to Pops. Welcome back my friends to the show that never ends… Money just keeps flowing…

Well, if that is you, what does $68,500 mean? Seriously, $68,500 is last night’s bar tab, not including the broken furniture or “room service.” To some people, $68,500 is not much. Certainly nothing to worry about. But what is $68,500 to Jane? John is not around to fix things. Not here to cut the grass. Or shovel the snow. Not running errands anymore. How is Jane supposed to cope? Especially with her financial security cut in half? What is $68,500 to Jane? It is making sure John gets all the care he needs… whether Medicaid will pay or not. That money is a lifetime of blood, sweat, tears, and coupon clipping. Common sense frugality that provided a comfortable way of life. That should not be sacrificed because some clown with a shingle or a shiny website can’t be bothered to learn how this stuff really works.

Can You Really Do That? Is That Legal?

Faithful readers know that we do not write the rules, we merely read them. And report the results to you. Not making stuff up. Whose fault is it that nobody told you about these things? Sure, the blame game is pretty popular with some folks. We think it is better to light one candle than curse the darkness. Let’s take it from here without the coulda, shoulda, woulda, shall we?

This “Pump Up the Pie” technique has been used by many families over the last 30 years. Saving millions. Legal? As the day is long. Approved repeatedly over the decades by the Michigan Department of Health and Human Services. Because it is the law. Of course, applications must documented to a fare- thee-well. Hundreds of pages of audit-proof financial records. So, yes, you can really do that. If you do it correctly.

Why Would Medicaid Let You Get Away With Such Pie-Racy?

Is it piracy when the State lets you keep some of what you have earned? Is it ridiculous for you to get a bit of return on your tax dollars? Do you deserve nursing home poverty?

Of course, the State answers, “Yes, yes, a thousand times yes!” to these questions. So why do they allow us to Pump Up the Pie? Who knows? Probably because most families are not aware of it and do not get to keep as much as they should. It is not that big a deal for them. It is a big deal for you, and that is what LifePlanning™ is all about.

Is Now A Bad Time For A Real Solution?

Do you have all the answers? Maybe you do not see any problems at all. Is it possible that you do not believe in the passage of time or its effects on you?

Peace of mind and financial security are waiting for everyone who practices LifePlanning™. You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

Guess Who’s Coming To Dinner… And Breakfast, And Lunch, And Dinner Again

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Do You Want To Go To The Nursing Home? Must You?

Do The Right Thing, Without Breaking The Bank

Who Wants Institutional Care?
Why Don’t You Move In With The Kids?
Why Don’t The Kids Move In With You?

Whom do you know who is impatiently champing at the bit to get into institutional long-term care? Which of your friends or fellow church members are eager to dump the familiar surroundings of home, cottage, farm to live with strangers? Oh boy! Middle-class America’s highest ambition: “When I get old, I want to move out of my house to live in a tiny apartment with a hot plate and no privacy!” If you do know someone like that, please introduce me. I’ve never met anyone like that myself… Over the last 32 years of this elder law stuff, met thousands of folks who feel differently, though.

Is it crazy to think that, as we get older, we are less able to care for ourselves and our surroundings? Why do you want to be pushing the lawn mower around at 87? Or shoveling snow? What’s the answer?

Traditionally, for many families, one solution has been living together. Three generations, one roof. Mary Rose O’Connor, my widowed Irish grandmother, lived with us for many years. 1700 square feet (including the attic) with 3 grown-ups and 8 kids sharing a single bathtub and one toilet. Not always easy, but it was all we knew… it had to work. How could that succeed today, with everyone’s expectations so different?

Is it surprising that different families come up with unique variations on this theme? Life-long bachelor who never left home now provides care for mom who spent the last 30 years bringing clean laundry, meat loaf and Hot Pockets™ to the basement. Single working woman moves back to care for dad. Grandma moves in with her married kid. And the kid’s kids. And their dog. Folks sell home/farm/cottage, build “in-law” apartment at the favorite kid’s home.

Are these arrangements ideal? Do they always work? Imagine June and Ward Cleaver, now in their 80’s, moving in with Wally or the Beaver… Wouldn’t that be great! Leave It To Beaver Revisited: Life Lessons for a New Generation. Wonderful! Now imagine Eddie Haskell’s mom moving in with him… The Edge of Night, indeed.

Do you think preservation of the family home/farm/ cottage figures into these discussions? Do we keep it? Sell it? Use it? Don’t we all know that the homestead is “protected” if nursing home care is required? We have all heard that bit of misinformation, right? And what if you sell the family property outright? Might as well hand over the cash to the long-term care facility, I guess…

Besides, who will actually provide care? Mom and dad want to live on their own. They do not really want the kids to move in. Given their druthers, the kids do not want mom or dad to move in, either. Aren’t we having this conversation because we can see clearly now that there is a significant need? And, to be brutally honest, we saw this coming years ago and have avoided the conversation until now… Denial ain’t just a river in Egypt.

Doesn’t it all boil down to: How do parents and children work together to provide necessary care? How do parents and children cooperate with one another to preserve the family home/cottage/farm? As Baby Boomers gracefully glide (kicking and screaming) into their twilight years, should their accumulated wealth go to long-term care facilities or be maintained within the family?

As rampant, uncontrolled inflation rips through and makes a mockery of your children’s middle-class America’s hopes and dreams, should you stand idly by? Can you?

As long-term care costs of $6000, $12,000, $25,000 per month deflate your parents’ life-savings, destroying their security and introducing them to nursing home poverty, should you stand idly by? Can you?

Are you opposed to finding mutually beneficial solutions to these riddles? Is it impossible to believe that we can thread this needle? It is crazy to think that you have come to the right place to get workable solutions? Would you like several more rhetorical questions?

Long-Term Care: Just The Facts, Ma’am

Can we agree on 7 basic, long-term care fundamentals?

1. Long-term care is crazy expensive.
2. 70% of folks will need an average of 3 years of skilled long-term care.
3. Long-term care makes middle-class America broke.
4. When middle-class Americans go broke, Medicaid pays for long-term care.
5. Your taxes already paid for your long-term care through Medicaid.
6. Just as with Social Security and Medicare, you should not have to go broke to get some pay back on the tax dollars you paid in.
7. Despite what “they” say, your homestead is at risk. The Child Caregiver Exception

Is it possible to save the homestead for caregiving children? Here’s what the Bridges Eligibility Manual 405, pp 10-11 (1-1-2022) says:

It is not divestment to transfer a homestead to the client’s:

* * *
• Child age 21 or over who:
Lived in the homestead for at least two years immediately before the client’s admission to LTC or waiver approval (BEM 106), and
Provided care that would otherwise have required LTC or waiver services (BEM 106), as documented by a physician’s (M.D. or D.O.) statement.

In other words, Medicaid has no problem with you giving the house to your kid who lived with and cared for you for twenty-four (24) months. Providing skilled care type services. Provided you have a doctor’s letter. Who knew? (We did!) And now you do too.

Easy Case: Kid Cares For Parent At Parent’s Home

1. Dad with dementia.
2. One hundred and ten pound Mom cares for two hundred and fifteen pound Dad. Dementia increasing. Mom no longer spring chicken.
3. Concerned Kid moves home to help. Kid changes drivers license, voter registration, tax address. Kid provides care that would otherwise have required long-term care or waiver services.
4. Dad stays out of nursing home. Doctor documents.
5. Two years and one month later. Dementia worse than ever. Dad must get residential nursing home care. Other requirements met.
6. Mom deeds homestead to Concerned Kid.
7. Medicaid says, “OK! No penalty.”

Hard Case: Parent Sells Home, Moves In With Kid

Fact: When one spouse cares for the other, the caregiver spouse dies first 40-50% of the time.

1. Dad with dementia.
2. Caregiver Mom dies first.
3. Dad moves in with Concerned Kid and family at their house.
4. Dad sells homestead. Has much cash.
5. Dad buys a full or partial interest in Concerned Kid’s home with Dad’s home sale cash. This full or partial interest is now Dad’s homestead.
6. Kid provides care that would otherwise have required long-term care or waiver services.
7. Dad stays out of nursing home. Doctor documents.
8. Two years and one month later. Dementia worse than ever. Dad must get residential nursing home care. Other requirements met.
9. Using appropriate Financial Power of Attorney with necessary provisions, Dad deeds Kid’s house back to Kid.
10. Medicaid says, “OK! No penalty.”

Can You Really Do That? Is That Legal?

Faithful readers know that The Elder Law Reporter does not write the rules, we merely read them. And report the results to you. Not making stuff up. Whose fault is it that nobody told you about these things? Sure, the blame game is pretty popular with some folks. We think it is better to light one candle than curse the darkness. Let’s take it from here without the coulda, shoulda, woulda, shall we?

This “Child Caregiver Exception” has been used by many families over the last 30 years. Preserving homes, farms, cottages, cabins. Legal? As the day is long. Approved repeatedly over the decades by the Michigan Department of Health and Human Services. Because it is the law. Of course, applications must documented to a fare-thee-well. Hundreds of pages of audit-proof financial records. So, yes, you can really do that. If you do it correctly.

Why Would Medicaid Let You Get Away With Such Piracy?

Is it piracy when the State lets you keep some of what you have earned? Is it ridiculous for you to get a bit of return on your tax dollars? Do you deserve nursing home poverty?

Of course, the State answers, “Yes, yes, a thousand times yes!” to these questions. So why do they allow the Child Caregiver Exception? Somebody once said, “Follow the money.” Let’s consider. If Concerned Kids are caring for Mom and Dad at home, then Medicaid is not paying for Mom and Dad to be in a long-term care facility. Who is saving money now?

Everybody wins. The State avoids years of paying for nursing home care. Mom and Dad get to stay home. Kids get to inherit the family home, farm, cottage. And family bonds are strengthened. Gee, how’d that happen? LifePlanning™ that’s how.

Is Now A Bad Time For A Real Solution?

Do you have all the answers? Maybe you do not see any problems at all. Is it possible that you do not believe in the passage of time or its effects on you?

Peace of mind and financial security are waiting for everyone who practices LifePlanning™. You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now.
(800) 317-2812

American Weakness Equals Foreign War Who Knew?

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German Pacifism On The Ash Heap Of History

Oh, So That’s What A Real Megalomaniac Looks Like

So He Went And Did It… Evil Idiot

Was there ever a war as stupid, pointless, evil, wasteful, and idiotic? Yes. Many. This is what you get with National Socialism, Democratic Socialism, Ricardian Socialism, Scientific Socialism, Leninist Socialism. Marxism, Communism, Maoism, all the -isms, all the same. Every try talking to one of these “socialists” about their ideology? About what actually happens? About the human misery? Tens of millions of humans starved, shot, tortured to death? “Oh that’s not real socialism, you poor ignorant fool!” they say. Then you will be overwhelmed with a dense, impenetrable word- fog. Like the undertow off Lake Michigan. You are sucked in. Suffocated. You drown. Words as weapons. First to weaken. Then to kill. Over and over.

And that’s how a Jewish Ukrainian guy becomes a neo-Nazi. Because he leads a people living on land that the other guy wants. This is nothing new. The same tired hogwash has deceived the “smart folks” for hundreds of years. From the French Revolution to Democratic Socialism. Same crap, different day.

“When I use a word,” Humpty Dumpty said in rather a scornful tone, “it means just what I choose it to mean—neither more nor less.”
“The question is,” said Alice, “whether you can
make words mean so many different things.”
“The question is,” said Humpty Dumpty, “which is to be master—that’s all.”

—Lewis Carroll, “Through The Looking Glass”

Attach whatever labels you like. It is all the same. Tweedledum and Tweedledee.

Putin is a long-time member of the Socialist Great Leader Murderers Club. Naturally, the few dozen dissidents and journalists he has murdered here and there do not count. Just par for the course. They made him uncomfortable so he killed them. Radiation. Nerve gas. Not secret. Business as usual.

Club Membership is exclusive. Only mass murderers need apply. Industrial scale slaughter. This guy’s been “in” for over 20 years now.

Long long ago. Far far away. Chechnya. Remember? Yeltsin started it and Putin carried on. 250,000 civilians dead. Tens of thousands more military casualties. War crimes as policy. Approved tactics: torture (real torture), rape, arson and murder.

Chechnya and Ukraine. In the same neighborhood. With the same heavily armed, unstable, nutjob neighbor who is always mumbling to himself about his glory days. Gee, do you wonder why even untrained Ukrainians want guns? Mysterious… why are they willing to fight?

Unprovoked military aggression. Civilians dead and wounded. Atomic power plants on fire. Soldiers dead and wounded. Stuff smashed. Labor lost. Hatred, grief, sadness. For what? Why?

To put Humpty Dumpty back together again. To reassemble the Soviet Union. At least the good parts. That is what this rifle-totin’, river swimmin’, pony-ridin’ he-man wants. He says so. It is no mystery.

In 2005, Putin said: “First and foremost it is worth acknowledging that the demise of the Soviet Union was the greatest geopolitical catastrophe of the century. As for the Russian people, it became a genuine tragedy. Tens of millions of our fellow citizens and countrymen found themselves beyond the fringes of Russian territory.”

Here’s a guy with nuclear weapons. Lots of them. What does he think of the dead millions and catastrophic destruction of World War I, and World War II, and Korea, and Vietnam, and the Congolese wars, and Mozambique, and Biafra, and the Chinese Revolution, and the Cultural Revolution, and all the other bloodletting of the last century? Eh, not so bad. Worse than dead millions are liberated millions. Hundreds of millions liberated through the collapse of the Soviet Union. So that is what is going on in Ukraine, if you were wondering.

How did we get here? A few observations completely unrelated to the Ukraine aggression:

1. This guy has huge surpluses of oil, natural gas, and coal. Things that make factories go and keep homes warm and well-lit.
2. Because we got yelled at by a cranky, prepubescent Swedish kid who likes to play hooky, we now depend on unicorn farts and moonbeams to make our factories go and keep
our homes warm and well-lit. Brilliant!
3. Because we do not like mean tweets, we shut down our own supplies of cheap, secure oil, natural gas, and coal. Now we beg the bare-chested megalomaniac and others to sell us oil, natural gas, and coal. At extremely high prices. America! What a country!
4. Somebody’s making an awful lot of money pitching the unicorn fart and moonbeam machines that break down, don’t work, and chop up eagles like a Super Bass-O-Matic ’76.
5. Prestige and reputation tend to dwindle when rag-tag gangs of refugees from the 6th century taunt you. And beat you. And kill you. And steal your stuff. Then do the same to your friends who trusted you. And who refuse your bribes and sneer at your threats.
6. Fritter away your reputation and prestige and you invite megalomaniacal bullies to act as megalomaniacal bullies act.

Ukraine SNAFU Situation Normal – All Fudged Up
(But They Didn’t Say Fudged)

How’s that “Bring Back Stalin” war going anyway? They killed some people. Broke some stuff. Got a 40-mile-long convoy. Like Biden’s motorcade when he went to Scotland to complain about air pollution or something. Gross ineptitude seems to characterize the goings-on. What do the experts have to say?

“Knowing others and knowing oneself, in one hundred battles no danger. Not knowing the other and knowing oneself, one victory for one loss. Not knowing the other and not knowing oneself, in every battle certain defeat.”

—Sun Tzu, The Art of War

Soldiers are the heart of any army. Fighting spirit is the core of any soldier. There don’t seem to be many soldiers among the invaders. Seems like the invaders were not told they were invading until they invaded. And now Ukrainian mothers are calling Russian mothers so they can talk to their captured, weepy, hungry, homesick teenage sons. On the other hand, Ukrainian soldiers seem to understand why they fight.

Citizens are the heart of any nation. Patriotism is the core of any citizen. There seem to be quite a few citizens in Ukraine. And now Ukrainian citizens are taking up arms against the foreign invaders.

Do you think the megalomaniac knew the Ukrainians would fight back and that his “troops” would be confused and lost? That they would surrender and weep? Me neither. Not knowing the other and not knowing oneself, in every battle certain defeat.

Even the most willing soldiers need arms. But it appears that the invader’s equipment has not been maintained and is breaking down. For example, brand-new, unused missile trucks had brand-new, unused tires. Tires put on at the factory. Trucks then driven to marshalling yards. Trucks then sat. And sat. And sat. For years. Now comes invasion. Tires now brittle with dry rot. Tires fall apart when taken off road. Big huge military off-road tires. And there are no new tires. And if there were new tires, how would you get them to the front? With a 40-mile traffic jam? Must keep all trucks on road. Forty miles long road. How you say “sitting duck” in Russian? Or Ukrainian (if there is such a language)?

Also they have no food. And they ran out of water. And they ran out of gas. Gee, if only somebody had thought about these problems.

Amateurs talk strategy. Professionals talk logistics.

—Omar Bradley, General of the Army

Every man is important. The ordnance men are needed to supply the guns, the quartermaster is needed to bring up the food and clothes for us because where we are going there isn’t a hell of a lot to steal. Every last damn man in the mess hall, even the one who boils the water, has a job to do.

—George S. Patton, Lieutenant General

An Army travels on its stomach.

—Napoleon Bonaparte, Emperor of France Frederick the Great, King of Prussia

It appears that the invaders were not told they were invading until they invaded. Without food. Without fuel. Without common sense.

Megalomaniac Invaders Have No Use For Middle-Class Values

Ever go on vacation? Take a little trip? Go camping? Bet you made sure gas tank was filled. And that the sleeping bags were packed. And you had a map (OK, OK… GPS!). Funny how middle class folks manage to figure out the basics that really smart geniuses overlook.

Megalomaniac or demented dodderer… national leaders sometimes don’t get the message. Are their people too afraid to tell them truth? Are they simply unaware? Do they believe their own press releases? Who knows?

Good News: regular folks do not have the luxury of being so stupid. We are not awesome. Our friends and co-workers do not grovel to us. They tell us the truth. They trust us. The smart folks do not trust us. They tell us the things they think we need to believe. So we will do the things they think we should. Like run factories and heat homes with unicorn farts and rainbows. Or moonbeams, I forget which.

Some people say that avoiding probate, saving taxes, and getting stuff to kids is what estate planning is all about. And if you wind up in long-term care, that is on you. Besides that never happens, the smart ones say.

Seems to me that an awful lot of folks do need long-term care. The government says 70% of people aged 65 will need, on average, 3 years of skilled care services. In a variety of settings. All of them expensive. Ruinously expensive.

Social Security is America’s answer to retirement income needs. Social Security is paid for with your tax dollars.

Medicare is America’s answer to hospitalization, medical, and pharmacy needs. Medicare is paid for with your tax dollars and premiums.

Medicaid is America’s answer to long-term care needs. Medicaid is paid for with your tax dollars.

Why does only Medicaid require that you be broke? Except for your house (up to $700,000). Except for your motorized vehicle (any value). Except for $2000.

Are you against getting the same deal with Medicaid that you get with Social Security and Medicare? Are you opposed to getting a payback on tax dollars paid in? Do you want your spouse broke?

Is Now A Bad Time For A Real Solution?

Some folks think they have all the answers to all the world’s problems. People who think like that often get to run countries. And get to tell other folks what to do. Does that sound like fun?

Other folks keep their perspective. Act with common sense. Look out for others. Work for fairness. Willing to help with common goals. Not willing to be played for a chump.

Peace of mind and financial security are waiting for everyone who practices LifePlanning™. You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now.
(800) 317-2812

Europe War Bad! Inflation Ragin’! Oil Prices Up And Sheiks Rejoice!

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Scanning The Globe To Bring You The Constant Variety Of Shorts

Jeepers Creepers Fellas! Europe War Bad!
Oh My Golly! Inflation Ragin’!
Zounds! Oil Prices Up And Sheiks Rejoice!

The Thrill Of Victory, The Agony Of Defeat

News Of The World
Everything Going To Hell In Hand Basket
Raise Hand If Surprised

Americans love to fight. All real Americans love the sting and clash of battle.
Americans love a winner and will not tolerate a loser. Americans play to win all the time. That’s why Americans have never lost and will never lose a war. The very thought of losing is hateful to Americans.

—George S. Patton

That was then. This is now.

Are the Russian people strong? Recently, Russia celebrated a 50% drop in extreme alcohol abuse. But: “the average Russian over the age of 15 years old [still] drinks about 11 liters (almost three gallons) of pure ethanol every year.” Read More Here

Is the Russian military strong? “[T]he United States maintains a fleet of literally hundreds of operational fifth-generation jets, while Russia has only 14 or so (only two of which are serial production models, the other 12 are handmade prototypes).” Read More Here Russian ships, submarines, tanks, missiles, electronics malfunction, sink, and blow up unexpectedly. Also they rust. Right now, in Syria, whenever Israelis want to blow up something defended by Russian missiles, the Israelis tell the Russians to turn off the radar so the Russians don’t get blown up too. And the Russians do. Guess they don’t want to get blown up.

Is the Russian economy strong? Russian per capita income is 85th in the world. Bulgaria beats them. Guam is 36th. Read More Here

Nobody wants Russian stuff. Not even Russians. Except vodka. But they have a lot of oil and gas! $40/barrel = Russia poor. $100/barrel = Russia rich. Remember when there was too much oil? Who shut down American pipelines? Oil exploration? Fracking? Who shut down $2 gas?

Is Russian leadership strong? Czar-for-Life is Communist former KGB agent spy large and in charge. Stalin is role model. Longing for Soviet Socialist glory days. Like most Russians. (Freedom is hard.) Read More Here. “Stalin had nearly a million of his own citizens executed, beginning in the 1930s. Millions more fell victim to forced labor, deportation, famine, massacres, and detention and interrogation by Stalin’s henchmen.” Read More Here. Did Stalin kill 20 million Russians? Or was it only 14 million? Don’t know.

So we tremble and cower before a nation of alcoholics, bearing Cold War-era weapons (still deadly to civilians), and no economy to speak of. Led by a fanboy of the second most murderous megalomaniac in history (Mao Zedong (also socialist) is #1 with 30-45 million kills). And the fight seems to be over a “nation” with a similar leadership and history.

Punchline #1: Whose side are we on? Don’t know. Why? Don’t know.
Punchline #2: Whatever side we’re on, we are losing. To the alcoholics. Badly. Obviously.
Punchline #3: Losing is now a habit. Can you remember Afghanistan? Only a few months ago. August 2021. Look it up.

Also inflation is up. Way up. Jimmy Carter up. Remember when oil was cheap? Putin was put out. Sheiks were saddened. Americans elated. And now… $100/barrel oil is back. Moscow is making merry! And the sheiks won’t return our calls. Ready for gas lines?

The glamour of evil is seductive. Temptation is all around. It easily overwhelms weak- minded, weak-hearted weaklings. Who become desperate. Lash out. Why has our Neighbor to the North abandoned its ideals? Victimizing the victims? Do they know that George Orwell’s Animal Farm was meant as a cautionary tale, not a how-to guide?

What To Do

What can you do? Stay true to our middle-class values. Sure, it looks good for the bad guys now. It always looks good for the bad guys. For a while. But have you noticed that the more awful the bad guys get, the more certain they will eventually fail? Those who believe in nothing, will believe anything. Firebombing is peaceful. Horn-honking is terrorism.

Faith and freedom. Perseverance and patience. Courage and commitment. These are the sword and shield of the middle class.

The world is counting on you. As it has in the past. As it will in the future. You are the indispensable people. America is the exceptional nation. Evil is not inevitable, unless we shrink from challenging it.

Every week someone tells me that pointing out the basic, obvious truth is “political.” As if that’s a bad thing. The attitude bebaffles, bebothers and bewilders me. Are you against the idea that hard work should be rewarded? Do you oppose getting some return on your tax dollars? Is it wrong to follow government-made rules so your spouse is not impoverished by long-term care? Is it ridiculous to think that leaving your kids a little something could be significant?

Is Now A Bad Time For A Real Solution?

Perhaps you already have all the answers. Maybe this is no problem at all. Possibly you do not believe in the passage of time.

Your habits and values have earned you peace of mind and financial security. LifePlanning™ is the easy part. You worked for the peace that only comes with financial security. What is most important, legal documents? Avoiding probate, is that the best you can do? Is family about inheritance? Or are the deeper things most significant?

Is any of this easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance.It is choice. Your choice.

Get Information Now.
(800) 317-2812