It is not always immediately clear that a child has special needs, nor do these issues impact all children in exactly the same way. Two children may suffer from the same type of disorder and see vastly different levels of severity, differences in how well these needs can be overcome and different physical or mental changes as they grow older.
One thing many people do as the end of the year approaches is plan their vacations for the coming year. Sometimes these vacations will take place in exotic locations in the far reaches of the globe. One thing you may not have considered during all the preparation and excitement of your trip is taking time to review some very important documents.
Estate planning is not something you focus on once a year. Instead, it's important to keep a close eye on your plan at all times, as you never know when you need to make a change.
If you're working to get your divorce finalized before the beginning of next year when the new tax changes take effect, you're probably consumed with that process. However, don't forget that as a divorced person, you'll likely need to make some significant changes to your estate plan -- if you have one.
Deciding how to leave your money to your heirs is important. Many people assume that it simply involves writing a will stating who gets what assets, and that's the end of it.
Even with the best intentions, you could make an estate planning mistake that costs you and your loved ones time and/or money. Fortunately, when you're familiar with the most common mistakes, it's easier to avoid a bad situation.
Pets are more and more intertwined into our families, and it shows. You can buy pet health insurance, get your favorite animal a custom bed and even send them to their own spa.