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Estate Planning Imperatives Well-crafted, up-to-date estate planning documents are an imperative for everyone. They also can help ease the burdens on your family during a difficult time. The will A will is a legal document that arranges for the distribution of your property after you die and allows you to designate a guardian for minor children or other dependents. Probate is the court-supervised process of paying any debts and taxes and distributing your property after you die. To be valid, a will must meet the legal requirements in your state. The administrator also will decide who will assume guardianship of any minor children or other dependents. Your assets may be distributed — and your dependents provided for — in ways that differ from what you would have wanted.

The living trust Because probate can be time-consuming, expensive and public, you may prefer to avoid it. A living trust can help. During your life, you can act as the trustee, maintaining control over the property in the trust. Assets held in a living trust avoid probate — with very limited exceptions. Another benefit is that the successor trustee can take over management of the trust assets should you become incapacitated. Other documents There are other documents that can complement a will and living trust. In it, you can express your desires for the memorial service, as well as the contact information for your employer, accountant and any other important advisors.

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All provide opportunities for tax-advantaged funding of health care expenses. You own the account, which can bear interest or be invested, growing tax-deferred similar to an IRA. Withdrawals for qualified medical expenses are tax-free, and you can carry over a balance from year to year. The plan pays or reimburses you for qualified medical expenses. An HRA is an employer-sponsored arrangement that reimburses you for medical expenses. Unlike an FSA, any unused portion typically can be carried forward to the next year. Please bear in mind that these plans could be affected by health care or tax legislation.

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Fixed-rate loans offer stability A fixed-rate mortgage, as its name suggests, is a loan whose interest rate remains constant for the life of the loan — typically 15 or 30 years. One of the primary benefits of a fixed-rate loan is that it provides a measure of certainty about one of the biggest expenses in your monthly budget. Casua said, if interest rates were to fall again, your fixed-rate loan would leave you unable to take advantage of the shift unless you refinance, which might involve fees. You could consider a year fixed-rate loan, which would charge a lower rate than a year loan, but the missoulq will be higher monthly payments.

ARMs provide Free casual sex in missoula mt 59807 Adjustable-rate mortgages ARMs typically offer a fixed interest rate for an initial period of years. This rate, which is usually lower than that of a comparable fixed-rate mortgage, resets periodically based on a benchmark interest rate. Paying less interest in the beginning frees your cash for other investments. The best for you The right loan type depends, naturally, on your financial position. Let our firm assist you in evaluating the best mortgage for your needs. But the IRS casts a wide net when defining gambling income. It includes winnings from casinos, horse races, lotteries and raffles, as well as any cash or prizes appraised at fair market value from contests.

If you participate in any of these activities, you must report such winnings as income on your federal return. Krakauer tells a sad an infuriating story Krakauer has done a great service by taking on this subject. Krakauer does not pretend to be scooping anyone. Instead, he systematically details the many myths surrounding rape and the many ways in which our society mistreats victims long after the actual assault. The result is a hard-hitting true-crime expose that looks underneath the he-said-she-said to get at the sexist assumptions that help cover up and enable these crimes. As a counterpoint to the chilly Montana evening, the staff decorated the place in a Hawaiian motif.

Two well-dressed men with dour expressions got out of the vehicle and stood beside it. Detective Guy Baker, who is six foot five and weighs pounds, peered down at Allison, a slender woman with bright eyes and a ponytail. How do you want us to handle this? It had been a positive experience for both of them. About an hour ago I arrested Beau Donaldson. I got a full confession from him, and he is in jail. Struggling to make sense of the words his daughter had just spoken, he wrapped his arms around her. Allison Huguet was attending Eastern Oregon University on a track scholarship. They had grown up together in Missoula and had been inseparable friends since the first grade, but the relationship had never been romantic.

Throughout her childhood and adolescence, Huguet regarded Donaldson as the brother she never had. Donaldson raped her on September 25, She had waited fifteen months, suffering in silence, before going to the police. During that period she told nobody beyond her mother and three or four close friends that she had been raped—not even her father or sisters knew about it. Such reticence, it turns out, is common among victims of sexual assault. No more than 20 percent of rapes are reported to the police, a statistic that defies comprehension until one looks closely at how sexual-assault cases are adjudicated in the United States.

Montana is a huge place with relatively few people. Good restaurants and lively bars abound. About thirty-five years ago, however, the forest-products industry began to fall on hard times. Most of the sawmills closed, and loggers in calk boots and tin pants became an endangered species. Presently the largest employer in the Missoula Valley is the University of Montana, by a large margin. With its 15, students and more than faculty members, UM, as it is known, has left a deep imprint on the city. Missoula has a much higher proportion of Democrats, for instance, than the state as a whole. Despite its liberal bent, in many ways Missoula resembles other cities of similar size in the Rocky Mountain region.

Its population is 92 percent white, 2 percent Native American, 2 percent Hispanic, and less than 1 percent African American. Twenty percent of the population lives below the poverty line. Among Missoulians there is strong support for the right to keep and bear arms, and for limiting the role of the federal government in their affairs. UM has nationally distinguished programs in biology and ecology and is perhaps even more renowned for its literary bona fides. Reminiscing in one of his incomparable essays about what drew him to Missoula for the first time, Kittredge wrote, I was looking for what I took to be a genuine world to inhabit.

I wanted to be someone that I could understand and stand—a romantic idea that seems commonplace in the West these days.

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