Advertising gives us a free forum. Cost of doing business and if one doesn't like the ads, there are other forums. Proofreading and the "preview message" can catch most errors and those that are missed, usually aren't all that serious and can be downright funny sometimes. Off topic posts can add life and humour to an otherwise tedious subject and is often called, "having a conversation". GW's SC&M is probably one of the most popular focused forums there is. The number of posts and speed at which the pages advance is proof of that. If one checks out the member page of the OP, one will find he is no longer with us. Seems he/she went a little, um, overboard, shall we say. Some other multiple personalities were also deleted that may or may not have been related. I agree, no apology was necessary. Lloyd P.S. After going through this thread again, I realize I did not cast a vote, I do not think a unique BSF forum is needed.

Thank you all for your comments and suggestions...have found an attorney in Pa. and am now trying to compile a list of questions about the sale/proceeds/taxes etc. Hard to think of everything that might crop up in the transition. I know if she changes her Pa. residency she will lose her state assisted drug program that is funded through the Pa. lottery....Florida's lottery proceeds go to education.....

Sorry for the length of this, but without knowing exactly what you are trying to accomplish, here's some wide-ranging thoughts on the process. Some of this is copied from a post I did shortly after we completed revision of my MIL's trust and creation of our own. Some of these issues pertain to a two-person trust; legalities are simpler if only one person is the original Trustor. First of all, there are many different kinds of trusts. Do you know exactly what you want to accomplish? A good estate attorney will ask a lot of questions, because it may turn out that a simple Revocable Trust will be fine, or it end up being something much more complicated and custom. Like remodeling, there are different ways to achieve a set of goals. It's up to a good attorney to point out pitfalls or potential problems ahead every legal decision has consequences, sometimes good and sometimes bad. YouÂre trying to predict the future, which is always uncertain. It's up to you (and your family) to choose the best alternative for handling various theoretical future scenarios. A good attorney will spend time with you. In our case, we redid my MIL's trust and created a Trust for my DH and I. Both were NOT standard documents. The price was the same, but our attorney was willing to spend considerable time (e.g., numerous meetings) to ensure all three of us were kept informed on the legal consequences of our decisions. In a one-person trust; e.g., with only a single Trustor, the trust will end at their death when the Trustee distributes all the assets per the terms of the trust. So it is much simpler, legally. Do be aware that standard Revocable Trust language (for a 2-person Trust) generally does not allow the surviving spouse to access principal on the deceased spouse's portion of the estate, which will become Irrevocable (the survivor's portion of course, remains Revocable). Restrictions are common on the Deceased principal, so it is up to you to decide: do you want the Survivor to have full use of the principal or only partial use? If partial, under what circumstances may the Survivor use the dividends and/or interest? The standard allowed is health, education and maintenance - this means gifts, travel or entertainment must come from the Survivor's own estate, not the Deceased. You can change this to allow full access, even though this is unusual - we did this. It is imperative in any Trust that the trustee and beneficiary list be kept up to date, including the successors/contingents. We needed have very intensive discussions with an estate attorney over my MIL's trust because she and her deceased husband had never updated their trust since making it 25 yrs prior. The successor trustees and contingent beneficiary list was woefully out of date and would not have served her best interests. Do not automatically assume the people you like best will be adequate trustees, especially in a sibling situation. Sometimes the best person to pick is someone who is not only honest but neutral. Be aware that unless you specifically request language that a trustee can be reimbursed for time at current professional rates, a trustee does NOT normally get paid for the considerable amount of time they will spend overseeing your wishes. Expenses are always paid by or reimbursed from the estate, however. When it's your spouse that's not a big deal, but in our case it is a relative by marriage - she would have to take off work on her own vacation time or unpaid to deal with our estate, which we felt was not fair. I have settled estates and it takes a LOT of time, at a period when you are grieving yourself. I would be happy never to do it again, believe me; it is a burden, never a joy. You may wish to be very specific about the handling of real estate property once both Trustors pass away. Probably more disputes have occurred over RE than anything else. Heirs can get into a sentimental mindset and act in illogical ways which often irreparably damage sibling relations. As an old saying goes, "Never say you know anyone until you have split an inheritance with them!" It is unfortunately all too often true. Make sure the package includes pour-over wills, power of attorney, durable healthcare power of attorney INCLUDING the HIPAA releases. It is up to you to copy your doctors with the healthcare POA. The attorney may or may not transfer your home title to the trust; ours included it in the set fee but YMMV depending on where you live. Be aware that anytime you go see a health specialist or get admitted to a hospital, you or your spouse should bring a copy of the appropriate health POA along. The HIPAA regulations are woefully vague and each doctor, specialist and hospital has their own way of interpreting how to obtain permission to discuss someone's medical records. In an medical emergency, this can be very important. This is also why whoever is your primary successor Trustee after the surviving spouse, should be kept up to date and know where all these documents can be found. And they need ACCESS to a copy of these documents in an emergency without having to go to a judge to obtain legal approval. They need to know the name and phone number of your lawyer as well as where you bank (which branch you have your safety deposit box in, for instance). All these documents should be checked over any time there is a life-changing event: divorce, sale of a home, death of a family member. There was an article today in the WSJ regarding the use of Power of Attorney. Sadly, most difficulties arise because family members dispute with one another over the estate assets. The POA can be misused and is often a source of conflict. Here are some of their tips: To further protect yourself, you can require that your agent provide family members, or a third party, such as a lawyer or accountant, with regular accounting statements. Another strategy is to name co-agents. While that can be a burden -- many transactions, for instance, would need two signatures -- it can also create a system of checks and balances. In some cases, lawyers appoint an additional safeguard: a "protector," who has the power to replace the agent if there is wrongdoing. Another key point: Make sure to carefully lay out exactly what powers you want your agent to have. For instance, you can limit the agent's power to make gifts of your property, so they can't just give money to themselves. Spell out under what conditions gifts can be made, how much and to whom. Frank Johns, an elder-law specialist at Booth Harrington & Johns of NC PLLC, in Charlotte and Greensboro, N.C., often asks his clients and their agents to sign "interpersonal agreements," documents that have no legal meaning but which might lay out in simple terms the importance of what's expected. "Signing that document can be a very powerful event," Mr. Johns says. "Usually, I know right away that the agent is going to live by the agreement." Power-of-attorney laws differ from state to state, so make sure your lawyer is familiar with what your state allows. Rules also can vary by financial institution. Lawyers say banks are increasingly scrutinizing power-of-attorney documents or are reluctant to honor them, because they fear being subject to suits alleging they unwittingly helped an account be drained by an improper agent. PLANNING AHEAD Here are some steps you can take to help safeguard your financial power-of attorney document: Â Require that your agent provide family members or a third party with regular accounting statements. Â Name co-agents, who can provide checks and balances, or an overseer who has the power to remove an agent. Â Make sure to carefully lay out exactly what powers you want your agent to have. You can also limit the agent's power to make gifts of your property. Â If using a "springing" power-of-attorney document, which goes into effect only when you are declared incapacitated, carefully specify how you are to be deemed incapacitated. You can require, for instance, that your agent get a second opinion. Â Be aware that rules regarding powers of attorney can vary by state and by financial institution. Â Create a so-called living trust. You can transfer your assets into the trust and designate a trustee to manage trust property if you become incapacitated. Â For more information, or to locate a lawyer who can help draft the documents, contact AARP (www.aarp.org), American Bar Association Commission on Law and Aging (www.abanet.org/aging), American College of Trust and Estate Counsel (www.actec.org) or the National Academy of Elder Law Attorneys (www.naela.org). Note: There are two main kinds of power-of-attorney documents. If you're using a "springing" power-of-attorney document, which goes into effect only when you are declared incapacitated, make sure to carefully specify how you are to be deemed incapacitated. You can ask, for instance, that your agent get a second opinion to make sure you really are unable to handle your own affairs. A non-springing power-of-attorney document, meanwhile, goes into effect immediately upon signing. That can be useful in a case where an agent wants to immediately take control to stop, say, abuse by a neighbor or caregiver, without waiting for a doctor's declaration of incapacity. "You can go in and start safeguarding the assets right away," says John Pankauski, a West Palm Beach, Fla., lawyer who specializes in lawsuits involving power-of-attorney abuses. He adds that you really need to trust your agent to do a non-springing power of attorney. Mr. Krooks suggests using a non-springing document, but not handing it over to your kids. "Tell them where it is," he says, and once you lose your capacity, they can use it. Another option is to use a so-called revocable living trust. These trusts go into effect while you're still alive, and you can name another person as trustee to manage property in the trust once you become incapacitated. Many people name institutions, such as banks or trust companies, as trustees, if they're worried a family member might loot their money. However, you should still name an agent as power of attorney to handle assets not in the trust. There is some recourse if your agent is accused of financial impropriety. Another loved one can petition a court to name a protective guardian or conservator. Typically, court-appointed guardians can be another family member or a third party, such as a lawyer, a bank, a social worker or a specially trained professional guardian. Note that court-appointed guardians are always paid on an hourly basis by the estate, at rates set by the state.

In Reference to my comment 7 months ago about the Samsung Refrigerator not powering back up after a neighborhood power outage- it happened again this weekend while we were out of town- storm apparently came through the area, downed tree limbs knocked out power to the neighborhood on Saturday. We were planning to come home this Monday but after learning about the outage via Facebook came home Sunday and sure enough - 2 year old Samsung -no power, 15 year old Kitchenmaid and 20 year old Amana humming along no problem. If ANYONE knows of a solution or has been successful dealing with Samsung on this issue please let us know!!! I'm calling again now but not confident- will update blog if any success.