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Showing posts with the label estate planning

You need a living will!

  Let's talk living wills.  Sorry if I'm coming on too strong, but we are all going to die. And everyone deserves to die with dignity. This is why YOU need a living will. No one knows you better than you - not your partner or children, etc. Kudos if you've even had these conversations, but even better to put your wishes in writing! A living will is one part of estate planning. As you might have guessed, estate planning increases with age ( legalzoom.com ); unfortunately, not everyone grows old. While discussing death may be uncomfortable, actually dying without having your affairs in order could really be uncomfortable - for you, as your wishes may not be satisfied, and for the loved ones who may find themselves in the difficult situation of having to make decisions on your behalf while grappling with their own feelings. As a physician assistant, I've helped many clients create living wills. I've helped family members make informed decisions regarding the content

529 Plan: 5 reasons you should have one (or more)

529 Plan: 5 reasons you should have one (or more) Let's talk 529 plans. If you have or plan to have children, then you should know about 529 plans and have one for each child. 529 plans are state (or institution) sponsored tax advantaged savings accounts that encourage saving for future education costs ( source: sec.gov ).  Higher learning is EXPENSIVE! Wouldn't it have been a blessing if you had funds from a 529 plan to put towards or completely cover the cost of your education?!  Student loan debt is a huge burden that has far reaching impacts on the futures of borrowers. The effects can seem all encompassing; affecting the jobs you take, the ability to move out of your childhood home, own a home of your own, or start a family.  According to  educationdata.org , "the average federal student loan debt is $37,574 per borrower, [while] private student loan debt averages $54,921... [and] 20 years after entering school, half of the student borrowers still owe $20,000..."

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Screening colonoscopy prep and procedure: a firsthand account

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Why Can't I Sleep? 10 Steps for Good Sleep Hygiene

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5 Reasons to Consider Cutting Back on Caffeine

5 Reasons to Consider Cutting Back on Caffeine Caffeine is considered the most popular, legal, psychoactive substance in the world.  Over 90% of Americans consume caffeine according to  foodinsight.org ,  Caffeine is most often consumed in coffee and tea , but can also be found in soda, energy drinks, supplements and chocolate (commissions earned). Caffeine is a stimulant that promotes alertness and improves concentration and mood. Sounds great, right? But when it comes to caffeine, you can have too much of a good thing. Let's look at 5 instances where you might consider cutting back on caffeine.  **This post contains affiliate links. I earn small commissions for clicks that result in product(s) purchased, at no extra cost to you. Thanks for your support! 1. Anxiety Caffeine is a stimulant. If you struggle with anxiety, the last thing you would want to do is exacerbate the symptoms. Such symptoms can include sweating, restlessness, racing thoughts, rapid heart beat and breathing.