Deal of the Day July 1, 2008

This Deal of the Day comes to you from a great blog I read called My Money Blog, which I found out about via I’ve Paid For This Twice Already…‘s post Writing A Will, Online Style. Check both blogs out for great info!

On a recent episode of the Suze Orman TV show, she announced that you can go to her website and get her Online Will & Trust kit for free for a limited time. Via Slickdeals. Here’s how to get it:

  • Go to
  • Click on Will & Trust Kit link on upper left menu.
  • Click the orange Gift Code button.
  • Type in the code “people first”.

The software includes the ability to create a will, a revocable trust, Financial Power of Attorney, and an Advanced Directive / Durable Power of Attorney for Healthcare. One less reason for putting off doing one of these if it’s free! )

I don’t think these are for people with large or complex estates, but check it out if you think it might work for you. And I’m going to recommend having an attorney look over the documents when you’re done. It will be less than them compiling them from start to finish, but you can make sure you’ve done it rightm abd that any unusual things in your situation are handled correctly.

Check back tomorrow for another great deal!

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Don’t Let the Dust Settle Before the Dust Settles

Most people don’t know they’re about to die. Even if we understand that we’ll not live forever, we’re thinking our date with destiny is years in the future.

So, many of us don’t talk about life insurance. We don’t talk about about writing a will. We don’t set up trusts for our children. We procrastinate partially because of time, partially because of money, but mostly, I think, because we just don’t want to think about what it will be like when we’re not here, what we’ll miss and what life will be like for those we leave behind.

We need to do it anyway. And once you go through the time, expense and emotional upheaval, be sure to revisit it yearly and go through it all over again. Otherwise you may wind up like Heath Ledger, who died suddenly and unexpectedly, never having updated his will after his daughter Matilda was born.

So, now Matilda will have to rely on the kindness of her grandparents and aunt to receive father’s financial legacy. I’m sure Heath would not have wanted it that way, and I’m confident his family will abide his wishes, at least as best they can.

But it would have been so much easier for everyone if Heath had just updated his will.

So, if you haven’t communicated your final wishes, and put it down on paper, please do. And if you already have everything in order, please review it today. And review it whenever there’s a change in your circumstances. And once a year anyway.

It’s worth doing.

Dr. Phil Drives Me Nuts

Am I the only one who doesn’t trust that guy? I’m not a watcher of his show, but during the past few weeks while enjoying all of the benefits of InfectionsRUs, sometimes I was just too tired to change the channel. Besides, what good is a really good illness if you can’t enjoy really bad television?

There are plenty of adjectives to describe him – sanctimonious, arrogant, self-righteous, self-aggrandizing come to mind. Then there’s condescending, pretentious and obnoxious.

Don’t get me wrong – I completely support most of his messages – personal responsibility and accountability, say what you mean and mean what you say, etc. Yay! All really great concepts. But when a decidedly un-svelte Phil calls someone on their weight, the unspoken hypocrisy makes a very good message lose impact. There’s something do-as-I-say-and-not-as-I do about that, and who gets inspired that way? Not me.

But it’s not about the weight. When he’s talking about adultery I’m thinking, “I’ll bet he’s cheated.” When he’s blustering about honesty and integrity I’m guffawing (not a pretty sight, especially when whatever I’m drinking comes out my nose).

He talks a really good talk, but does he walk the walk? There’s just something missing that niggles at me every time I see or hear him. It’s a gut feeling that I couldn’t trust him as far as I could throw him. A lack of integrity. And it’s not about the increasingly exploitative bent his program has taken, either.

For me it’s hard to trust the message if I don’t trust the messenger. And although I’m not a huge fan of Oprah’s show (I admit I’d rather watch Judge Judy), I like her. And I think Oprah has lots of integrity. Her support and faith in a buffoon like Dr. Phil has me questioning her judgment.

And from what I hear, that’s something that could get me shot in 49 states. And the District of Columbia.

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