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Every soldier and Marine, and some airmen and sailors, too, know the delights of the Combat Ration. Also known as the C-Ration or C-Rat. Packing 1200 calories into a small, brown cardboard box. Three olive drab tin cans. Main course, soda crackers, something spreadable like peanut butter, jelly, or cheese. Sometimes pound cake or cookies. Plus, a brown foil envelope: salt, pepper, coffee or cocoa, toilet paper. And a P38 can opener. It could be breakfast, lunch, or dinner. As an Army ROTC cadet and on active duty, I ate quite a few.

Everyone said that some C-Rats came with cigarettes, but I never saw any. The best was the John Wayne bar: a disk of chocolate with toffee bits. Spread peanut butter on the soda crackers and make a sandwich with the John Wayne bar. Almost heaven. Getting a John Wayne bar was winning the lottery, and no one ever traded it away.

Printed on the top flap of the C-Rat box was the main course. Beans with Frankfurter Chunks in Tomato Sauce, Fried Ham, Chicken and Noodles, Spaghetti and Meatballs (like mama made!). There were others. C-Rats came 12 or 16 to the case. The case was always flipped upside down when you went to draw your ration. No picking or choosing!

My very first C-Rat was “Ham and Eggs, Chopped.” Scrambled eggs. With ham. From hens that had died during the Eisenhower Administration. In a can. (But I did get a John Wayne bar!!)

It taught me a valuable lesson. Never go on a Field Training Exercise without a bottle of Tabasco.

What has this got to do with LifePlanningTM? Everything!

LifePlan™ Basic Facts

FACT #1: Middle-class Americans cannot afford the $6000-$12,000 per month costs of long-term care.
FACT #2: Life savings evaporate like snowflakes on a hot griddle. (Don’t kid yourself about this. Folks with hundreds of thousands in savings go broke every day. You are not immune.)
FACT #3: When you are broke, then Medicaid, the government solution, kicks in.
FACT #4: LifePlanning™ enables you to qualify for Medicaid without going broke.

C-Rats, Medicaid, Tabasco, Long-term Care, Extras! The Government Solution

C-Rations are the government solution to soldiers’ need to eat in the field. Medicaid is the government solution to Americans’ need for long term care.

You Cannot Avoid the Government Solution.

There are no McDonald’s in the field. You cannot pack in enough sandwiches. You must eat the C-Rat. Long-term care is expensive. You cannot save enough to pay what it actually costs. You will go broke. You must take the Medicaid.

By Planning Ahead, You Can Add To The Government Solution.

Buy some Tabasco at the PX or Commissary. Bring it with you. Share it with your buddies. You’ll be glad you did! Preserve your lifesavings through LifePlanning™. Do not go broke when you need long-term care. Add the services you want and need by paying for them yourself. You choose. You decide.

Freedom, Security, Personal Responsibility

You have lifesavings now because you took personal responsibility for yourself, your spouse, your family. You did not shirk. You did the tough stuff. There are some people out there who did not. Those people will receive Medicaid benefits immediately. You will not. You will have to deplete your savings. Sell the cottage. No legacy. No ability to provide for your spouse. No choice.

How is that fair? I do not think that it is. That’s why I have developed and practiced the LifePlan™ strategy for the last 30 years. You are not a chump, a sucker, or a loser for having worked, saved, and cared for yourself and your family. We make the rules work for the people who played by the rules.

Get Information Now! Call 1-800-317-2812

You know how it is. Everybody has something to say. And each one says something different. It is a whole choir singing flat: Financial Advisor. Accountant. Next-door neighbor. Friend from church’s lawyer. That get-out-of-debt guy on the radio. That financial guru woman on public television. Confusing? Yes. Here’s the straight story…

Probate Works Like This. It’s Simple.

1. You run into Meijer (or Spartan Stores or D&W) for a loaf of bread. Before you know it, your arms are full of items you cannot live without. And you are in control of that stuff.
2. But then: You slip and fall! Whoops… the stuff goes flying and makes a big mess. You had total control. Then you had none.
3. Clean Up On Aisle 3!
4. The janitor comes out to clean up your mess. The janitor takes your stuff and decides what to do with it. Where it goes. How it gets there. According to Janitor Rules.

Translation: Here is How Probate Works!

1. You earned and saved. Now you have stuff. Not groceries, but your home, insurance, investments, furniture, automobile, stocks, bonds. You have control. You earned it. It is all in your name.
2. But then: You died. You became disabled. You lost control.
3. Now nobody controls your stuff anymore. Not you. Not anyone else. But somebody has got to figure out what to do with your leftovers… And that’s the job of Probate Court… figuring out what to do with the leftovers.
4. Now a big chunk of your lifesavings goes to probate attorneys and a bit more to probate court.
5. Your beneficiaries get the rest. You hope.

But My Will Avoids Probate! Doesn’t It?

Wills do not avoid probate at all. Your will is nothing but a nice letter to the janitor, asking nicely that the janitor will do as you ask:

Last Will & Testament

Dear Janitor,
When I have slipped and fallen and you find my stuff, please let my spouse/child/someone special help you.
Please pay any bills that you get. Please advertise to see if anyone else wants to claim any of my money. Do not forget to pay yourself and anyone who helps you!

Please do not use your usual rules, but give my stuff to the following folks: 1,2,3…
Thanks Janitor!

Signed,
Person Who Did Only a Will.

Remember: The Will does not do anything except tell the Probate Court where you want the leftover stuff to go. If anyone finds it. Then reads it. Then follows it. And if no one else complains.

  • A WILL DEMANDS PROBATE!
  • A WILL ONLY WORKS IN PROBATE.
  • If sole ownership and death, then Mess.
  • If Mess, then Probate.
  • If Probate, then Will.
  • If no Mess, no Probate.
  • If no Probate, Nothing for Will to do.

Get the information you need to avoid the janitor! Call 1-800-317-2812

In light of the COVID-19 pandemic, many people are now either considering putting an estate plan in place or reviewing their existing documents. Everyone should have an estate plan in place, whether there is a global pandemic or things are just fine for you now. Planning for the future just makes sense.

Once you decide that you need an estate plan, the next question, is “What documents do I need?”. Every competent adult should have a properly written Healthcare Power of Attorney document and Financial Power of Attorney document. (More on those in a separate article).

Some people wonder if they need a trust, or quickly dismiss a trust as an option – either because they don’t understand the benefits of a trust or think it is only for those with a net worth in the millions.

A trust is a legal document, created by a Grantor, and managed by the Trustee. Often, the Grantor and Trustee can be you – the person who creates the trust. There are many types of trusts and each has its own specific purpose. In general, the Trustee manages the assets in the Trust while the Grantor is alive, and transfers the trust assets to the beneficiaries upon the Grantor’s death.

Years ago, Trusts were a method to save on inheritance taxes. Unless your estate is approaching $11.5 million, this is not a concern for most people. Today trusts are used more for managing your assets while you are alive and distributing your assets the way you wish upon your death.

Trusts provide many benefits, including: 1) the ability to protect your assets while you are alive, by keeping your assets away from creditors or the nursing home, and leaving a legacy, 2) avoiding probate court and saving your heirs legal expenses and time upon your passing, 3) avoiding estate recovery if the State pays for your nursing home care, 4) providing a trust for your beneficiaries so your beneficiaries don’t lose your life savings to creditors, an ex-spouse or the nursing home, 5) the ability to more easily manage your assets if you are alive but not competent, 6) provide special needs planning if your beneficiary is not able to manage his/her assets due to a disability, and 7) a properly funded trust will avoid probate court when you die, and keep your estate private.

Selecting the right type of trust and drafting it for your own specific circumstance should be performed by an experienced Estate Planning attorney. Some people will research articles on the internet, and download a trust thinking that they will save themselves some money. Practicing Estate Planning is not something you want to risk with your life savings. The failure to have a properly drafted and funded trust can be expensive to fix later or cost you money by not properly protecting your assets for you or your beneficiaries. Some of the pitfalls are: not funding a trust, not having the right trust in place, estate recovery by the state, not protecting your beneficiaries.

Estate Planning is more complex than most people think. Don’t make the mistake of not putting a plan in place just because the thought of planning is daunting. The sooner you put an estate plan in place the sooner your life earnings will be protected, which will give you peace of mind.

Call 616-361-8400 now to schedule a free consultation with one of our experienced Estate Planning attorneys.

It was a perfect midsummer afternoon, twelve years ago. Two men retired from the same Michigan manufacturing company. They were very much alike, these two older gentlemen. Both had better-than-average, thirty-year careers. Both were personable, well-respected, and secure. Home, nice cottage. No debt. Conservative investments. No bad habits. And both – as new retirees are- were filled with dreams for the future. More time to spend with their wives, kids, grandchildren, at the cottage, on the golf course, travel. Enjoying the retirement freedom and security they had anticipated, saved for, earned.

Recently their company had its one-hundredth anniversary. Both men returned to celebrate.

They were still very much alike. Both healthy. Both had three grandchildren. Both still devoted to their wives of over forty years. Both primary caregivers. At home. Just a few short years into retirement. Their wives suffered from Alzheimer’s Disease.

But there was a difference. One of the men struggled to make ends meet. “On duty” 24 hours per day. Exhausted. Retirement savings, cottage, comfortable home – all gone. Living on social security. The other man recently hosted his granddaughter’s wedding. At the lake. One hundred and twenty guests. Life savings intact.

Independent, secure. Primary caregiver with plenty of help. Using the Program of All-inclusive Care for the Elderly (PACE). No worries.

What Made the Difference?

Have you ever wondered, as I have, what makes this kind of difference in people’s lives? It isn’t always a native intelligence or talent or dedication. It isn’t that one person wants security and the other doesn’t.

The difference lies in what each person knows and how he or she makes use of that knowledge. Useful knowledge. Action. Follow through. Better results.

Planning Where the Rubber Meets the Road

Living Life to the fullest, whatever the circumstances.

Knowledge, concepts, ideas – all very fine. But without action? Nothing! LifePlanning™ incorporates knowledge, in real life. Getting the benefits you have earned. Avoiding nursing home poverty. Living life to the fullest, whatever the circumstances. Thousands of Michigan families use LifePlan™ techniques. Securing a better life for their families. Security is a choice. What do you choose?

Your Own Success and Security

We cannot promise you instant success or eternal security. But we guarantee that the LifePlan™ approach to the best to secure your success and meet your needs.

Get Knowledge Now!
Call 1-800-317-2812.
There’s a LifePlan™ Workshop near you.

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