I recently lost both of my parents. I have four brothers and sisters and most of them have children. The possessions are not worth a ton of money and luckily none of us are really fighting over anything. Everything is supposed to be divided evenly between us kids. Two important things that I have learned from this experience: Online wills or cheap easy to fill out wills do not hold up in all states. Very few states will recognize a hand written will anymore. My parents did the cheap online version and we had to take everything through court to have it approved by the state. It didn't cost us much but it did drag things out a bit. Saying things like, "when I go, you can have such-and-such" does not mean anything AFTER they die. If someone wants to give you something, they need to hand it over to you BEFORE they die. After they die all their possessions become part of their estate and are no longer theirs to give. So if you father would like to reward one of his children for whatever reason, he could give them something valuable before he dies and then let his will be an equal split. It could be a way around hurt feelings when things start to get divvied up.

Hello everyone, I am an Aortic Dissection survivor. It all started one day, thought I was having a heart attack when I really had a Pulmonary Embolis and a DVT. That was a close one. I was put on blood thinners and was told that would be for rest of life. They found this by CT scan. Supposedly no Aortic Dissection yet. So 2 months later, I felt ripple go down chest. Rushed to Naval Hospital (I'm a retiree) and they tried to figure what was going on. Did CT scan and found the Aortic Dissection from the heart to where it branches off to the legs. My aorta was 6.2 cm. I was at Naval for 4 extra hours while they were waiting on a doctors decesion from a local hospital before they finally airlifted me to the hospital that said 4 hrs earlier they would do it. Time is critical. I call mine John Ritter syndrome. They did emergent open heart surgery, replaced my ascending aorta and aortic valve. I still have an active dissection and get CT scans yearly. I am on 4 different blood pressure meds, blood thinners and other meds. I also had to have my left leg amputated above the knee because the original dissection cut off blood flow to the leg. This all wouldn't have happened if they had said something 2 months earlier. The first CT scan showed my aorta at 5.1 cm. I really thank Naval Hospital for the great care (not). No one spoke up and said something at the time. If someone had, I might still have my left leg!

I wrote this to try to get help with my family or what is left of it. This is the first time I ever posted anything on this forum. So instead of getting help I am getting feed back based on the notion I am a teenager or the same person that wrote something on a wedding. The real issue is that a young girl of 17 has manipulated her entire family to the point that she is now posting blogs on how the ruin your parents life and get anything you want while you do it. Again she doesn't want to spend time with her father her real mother or anyone she justs wants to do what she wants to do.. She is entering her senior year and has no job doesn't want to go to college her father lost his job and he is going into over twenty thousand dollars of credit card debt to continue to keep her in clothes and jewelry he can't nor never could afford he never made more than fifty or sixty thousand dollars a year. He has no health benefits he depends on me and now that she is living with her grandmother I don't even know if she is eligible to stay under my health benefits. She is dating a drug dealer and there is nothing I can do or say about it. Her father says he believes her when she says he never carries drugs or deals drugs when he is with her. Tell me does this seem odd to anyone? I now don't want her in my home anymore in fear that she will bring this home. So since I last wrote these new developments have changed things If my husband doesn't disciple her and I cant how can I let her be around my children or in my home. I love my husband but I have an obligation to keep my children safe and under the new circumstances having her in my home isn't an option.. MY children informed me she was bring drugs in the house and when my son found out he told her he was not only going to tell us but call the police. I am sure she brings things into my mother-in-laws house she is 65 and doesn't speak much English. So although I love my husband my life may have to be on hold until she is 18 in June. She wants to go out and be discovered she is considering working at Disney a character for experience for acting. That is today tomorrow who knows. If I sound bitter I am. I gave this child love, a home, clothes and anything she could want.Including consistence and rules. I was her only parent five to six days a week. Now she has total freedom because know one knows what she does she can lie and they believe it. The fact that she is writing this on her new facebook which her father does think she has since the time she put up naked pictures of her self.Tells you she is really something If she put this to good I swear she could rival Donald Trump

We bought LTCI last year at the ages of 49 and 51, and we're glad we did. I did not go into this with eyes half shut. I did uncountable hours of research, attended seminars, talked to people, interviewed agents, etc. I'm the type of person who doesn't allow anyone to talk me into anything - period. We bought a great policy through an A++ rated company, John Hancock. The average age one should buy LTC is 60ish - before health problems begin and the premiums are outrageous if you can even get it with certain conditions. I wasn't waiting 10 years to do so especially since our premiums would double by then even if we remain healthy...but who knows how our health will be in 10 years. Sure, we're healthy now and healthier than our parents were at this age, but no one has a crystal ball to determine how our health and at what age, will affect us. I'm not taking chances knowing DH's parents history. We have no kids or family that will care for us should we need it now or later, and to put 100% burden on the other spouse isn't fair, IMO. And even if we did have kids, who's to say they would want to interrupt their lives to care for sick parents. As cruel as this sounds, I prefer not to care for my mother as she's a difficult one now and she's relatively healthy. This LTC is piece of mind for us. While humans are living longer these days, from my research, it states that a very high percentage of people will require some kind of nursing home facility and the average time is 2.5 years. Should that time come now or later, the insurance is already there to be used. If we were to invest $$ for a rainy day to use toward this, it will take A VERY LONG TIME to match what insurance money is available to us NOW. We hope to never have to use it, but good to know it's in place if we have to, and we're lucky enough to be able to afford it. I realize many cannot. There's much to know about the various companies offering this including their ratings, how their policies work with the options & riders offered, claims stats, etc., and then choosing what is right for each individual. While most people tend to not think about LTC or discount it all together, I really think more people should learn about it and give it serious consideration. (No, I don't sell it). Frankly, IMHO, your sister is wise in thinking about her elder years that way.