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Warning: The Story You Are About To See Is True. The Names Have Been Changed
To Protect The Innocent. Viewer Discretion Is Advised.

Reality. By and large, Estate Planning is a dumpster fire. A hellacious mess. Most of what you have done so far is probably wasted and likely counterproductive. Frequently you hear, “Well, it is better to do something than nothing at all!” Yeah. Guess so. Go with that.

Your Choice. Isn’t it great to hear happy talk? Everybody knows that there is nothing simpler or easier than planning for your future! Don’t we all like to hear that things are easy? Wouldn’t it be nice to be told that you haven’t wasted time and money in half-baked schemes? Schemes that deny reality. That will wreak havoc in the years to come. Do you prefer calm, soothing, pleasant misinformation, disinformation, mendacity, prevarication, half-truths, outright lies, and deception? Why not? Most folks do.

Do people want to hear that reality is complex? Is it fun to learn that you have been taken in? Are you surprised to learn that the “after-death” and “planning” industries are not run to achieve your goals, your family’s goals, but for the primary benefit of those running the show? Does it come as a shock that they all know your estate plan will fail? Your financial advisor, accountant, tax preparer, insurance agent, lawyer, and banker. Everyone with the slightest experience in or knowledge of the death industry knows this. Some practitioners soothe their conscience by steadily ignoring the facts. Others blame you, the client, for not following their advice. So. Your estate plan will fail. And that is OK! For them. Nobody wants to hear that, do you? Of course not. Perhaps you should go read the funnies now. Or the sports page.

The best part of the estate planning scam is that you have been set up to take the fall. Failure is all your fault. Your fault. They got it in writing. You can look it up. I’ll explain how they make you foot the bill. How you are at fault. Do you want the truth? Can you handle the truth? It is upsetting. Much more pleasant to look away. The sports page is calling… You don’t really want to know. If you knew, you would have to do something. Can’t have that.

Still here? Without upsetting the vast majority of folks who have done some planning, there is no way to accurately talk about the Estate Planning industry. Also angry and unhappy are the people who profit from the way things are. At your expense. At your family’s expense. Your estate plan can be a success. For you. Your Spouse. Your Family. But you won’t like hearing about it. It is not easy. I don’t promise easy. I only promise the truth. Accuracy.

Avoid Probate Save Taxes
Make It Easy For The Kids

Pit of Despair. Everybody wants to avoid probate, save taxes, and make it easy for their kids. Probate means high costs, long delays, and mysterious confusion. Your loved ones are abandoned to the tender mercies of those rapacious, ice-hearted villains: probate lawyers and judges. Oh, the humanity! Death Taxes are the final insult. You pay and pay. Income tax. Real estate tax. Sales tax. Use tax (whatever that is). Work for someone else: employment taxes. Work for yourself: self-employment taxes. And when you finally hand in your lunch bucket: Death taxes. And your poor kids. Waiting years for the pitiful, parsimonious pittance that might be left over. Wallowing in frustrating legalese. Condemned to a never-ending battle for truth, justice, and the American Way. A battle that only ends with exhaustion, back-biting, and family strife. The very angels in Heaven weep for your heirs.

Promises, Promises. Estate planners, including Internet gurus, attorneys, financial advisors, other professionals, and your brother-in-law solemnly promise that there is an easy way out of this Benighted Forest of Broken Dreams. Everybody is an Expert! At a recent LifePlan™ Workshop, an attendee described how the lake front cottage owners surrounding his parents’ cottage “avoided probate and taxes” by adopting a “strategy” that one of them had heard about. These were reasonable people. Owned lake front cottages. Plus their regular home. And like lemmings into the North Sea, they drew up disastrous deeds. One after the other. Follow-the-Leader. Off the cliff. And yet they were no worse off than many who took the professionals’ advice.

Wrong Goals, Wrong Strategy. Avoiding probate, saving taxes, and making it easy for the kids are important goals. But what if these were not the most important? What if fixation on these ideas distracted folks from the fundamental, critical goals? What if regular folks routinely went broke chasing these things while disregarding their real interests?

Airplane Story. Every passenger on an airliner has endured the safety briefing. Where the exits are. Your seat cushion is a floatation device. Insert the tab into the buckle of the seat belt. And of course, the oxygen mask.

Your flight attendant instructs you that, “If the windows pop out, oxygen masks will descend from the ceiling. If you are traveling with small children, put your own mask on first, then take care of the kiddies.” Seems kind of harsh, doesn’t it? Selfish, almost. Taking care of Number One! But the practical reality is that if you don’t take care of yourself, you can’t take care of anyone else. Good luck getting the kids’ masks on if you’ve turned blue.

First Things First. Estate Planning fails because the goals are wrong. Avoiding probate, saving taxes, making it easy for the kids. These all happen after you have died. And there is nothing wrong with any of them. But you are not dead. Yet. Maybe it would be a good idea to figure out how to hang on to your lifesavings while you are, you know, living.

But first, why your trust will (almost certainly) fail on its own terms.

Why Your Trust Will Fail

Simple Answer. You wanted to avoid probate, save taxes, make it easy for the kids. Will your revocable living trust achieve these most goals? No. Not usually. Hardly ever.

Probate Basics. If you have assets in your name, you are the boss of those assets. Use them. Sell them. Buy more. Give them away. It is your stuff to do with as you please. You are in control. And nobody else.

But what if you die? Now who’s the boss? You had complete control. Now you don’t. And neither does anyone else. Who gets the stuff? Who maintains it? Who sells it? Who gets the money? Who knows?

These questions are why we have the probate court. When stuff is no longer attached to a person because that person has died, the probate court figures out who should get it. If a person becomes disabled and can no longer manage their stuff, the probate court figures out who should manage it for the disabled person.

Your Last Will and Testament are simply instructions to the Probate Court stating: 1. Who should be in charge of your leftover stuff; and 2. Who should get your stuff. The leftovers. After you have died. Without the Probate Court and “probating the will,” your Last Will and Testament is meaningless. Useless. Does nothing. The only way a Will works is through Probate. The next time you hear that a Will means No Probate, you know better.

Revocable Trust Basics. Your revocable living trust is different. Your trust holds your property. Your trust property is managed by the trustee. While happy and healthy, you are the trustee. You also name the person to manage the stuff for you if/when you cannot, due to death or disability. The backup trustee is the Successor Trustee. You can have a whole string of successor trustees, one after the other, so you don’t have to worry about running out. Your revocable living trust contains your instructions. Who gets what. When. How.

Your revocable living trust works only on the stuff that is in the trust. Stuff with the trust name on it. Bank accounts, real estate, stocks, and bonds. All these things can be handled by your Successor Trustee if they are in your trust. With the proper trust name on the various accounts, your Successor Trustee can care for you, pay your bills, maintain your property. After death, the Successor Trustee can divvy up the leftovers, per your instructions, and distribute to your beneficiaries. All according to your plan. Super!

Why Almost All Trusts, Including Yours, Fail. Trusts fail because people do not put their stuff into the trust. [Vocabulary Word to the Wise: Putting stuff into a trust is called “funding” the trust.] Simple as that. Trusts only work on the stuff in the trust. If your stuff is still in your name, it goes through probate.

Harder Than It Seems. Various folks will tell you how easy it is to put your stuff into your trust. Not true. Decades of experience tell us that fully “funding” a trust takes 2-6 months. With the eager assistance of cheerful, diligent specialist paralegals. It is no wonder that the few folks who try to get their assets into their trusts give up.

The Exception to the Rule. There is a small minority of folks who actually transfer their assets into their trusts. Almost all the time. Who are these wonder-planners? Engineers! Civil, mechanical, chemical, and electrical engineers. How do they avoid the kryptonite? Most engineers accept that unless they do things that are required, they do not achieve the desired results. That’s not really a good answer, because doctors, nurses, surgeons, accountants, airline pilots, McDonald’s workers, and all the rest of us have the same experience. But for some reason, engineers are willing to do the hard work. And the rest of us are not.

How Do They Get Away Selling Trusts That Fail?
They Make It Your Fault

Simple Answer. You wanted to avoid probate, save taxes, make it easy for the kids. The lawyer gave you a binder full of papers. Including your trust. And your will. The trust is empty. Like a lawyer’s promise, there is nothing there. Void. Except, maybe, sometimes your house. [Until you refinance, sell, get a home equity line of credit.]

But there is something else in the binder. Usually right on top. A letter. Or a memo. Or instructions.

Your Fault. The Letter, Memo, or Instructions tell you that it is YOUR responsibility to put your assets into the trust. Usually there are handy hints on how to do so. Often the lawyer will offer to “help” with the transfers. For an additional fee.

According to one survey, these Letters, Memos, Instructions fail 96% of the time. Your stuff is not in the trust. Your stuff does not avoid probate. And it is all your fault.

Why Do They Sell Trusts That Fail?
Follow The Money

How It Works. In Real Life. You die. Your kids take that binder full of papers back to the lawyer. Your kids want your stuff. You were promised avoiding probate. And now it is time to deliver.

The kids present the lawyer with that binder crafted so many years ago.

The lawyer looks through the binder.

Sadly, sorrowfully, the lawyer informs the kids that the estate will have to go through probate.

The kids are dismayed. But Mom and Dad did not want to go through probate! That’s why they did the trust…

Sadly, sorrowfully, the lawyer takes the Letter, Memo, Instructions out of the binder. The lawyer reads to the kids that it was Mom and Dad’s responsibility to put their stuff into their trust. But Mom and Dad failed to do so. It is Mom and Dad’s fault that the assets must now go through probate. Thank Goodness the lawyer was keenly farsighted enough to prepare Wills that put the stuff into the trust.

So now the Will must be probated. The family is going through the probate process. Which is not cheap. With the same lawyer who failed to get the stuff into the trust in the first place. Who does that serve? Who do you think?

Training For Failure. A well-respected institute offers “Estate Planning” certificates to attorneys who take a certain number of their educational courses. Several attorneys from the firm have taken these courses and earned the Certificate. When the question of getting assets into trusts was raised, instructors stated “That’s what the will is for!” In other words, lawyers are being trained that to make the trust “work” they must rely on probating the will that comes as part of the package. And didn’t you want to avoid probate? Wasn’t that the point of the trust?

Pay Me Now OR Pay Me Later. Why do clients pay extra for trusts? Isn’t it because trusts avoid probate and probate is expensive? Don’t the lawyers say “Pay me a little more now for the trust or a lot more later for probate?” Isn’t that the sales pitch?

Pay Me Now AND Pay Me Later. What if reality was: Pay me extra now for the trust (on the promise of avoiding probate) and pay me later for probate too? Trusts fail because they do not hold all of your assets. And your kids must go through probate to get your assets into the trust. And it is your fault.

Next Week: What Is The Answer? What Is The Real Question?

Same Bat Time, Same Bat Channel. Tune in next week for another thrilling visit to the frontier of estate planning.

What can be done? What is the true goal of estate planning? Is it really about the kids? How can you and statutory wills? Is there a method that has been used for many years by thousands of families to avoid nursing home poverty, avoid probate, save taxes, AND make it easy for the kids?

Why Don’t You Deserve A Little Payback For All The Taxes You Paid In?
Why Do You Want To Spend Your Last Nickel On Long-Term Care?

Traditional estate planning is concerned with avoiding probate, saving taxes, and dumping your leftover stuff on your beneficiaries. After you die. Nobody cares what happens to you while you are alive. How does that help anyone? Stupid.

Traditional estate planning fails because the overwhelming majority of us will need long-term skilled care. 70% of us. For an average of 3 years. And we will go broke paying for it.
Is it surprising that thousands of recreation properties: cottages, cabins, hunting land, are lost to pay for long- term care? Why is your estate planner hurting you and your family? It is evil intent? Or stupidity?

LifePlanning™ defeats Nursing Home Poverty. Keep your stuff. Get the care you have already paid for. Good for you. Good for your family. Good example for society.

When my mother suffered from the dementia which led to her death, over 10 years ago, their estate plan preserved their lifesavings. Mom’s months in the nursing home did not mean Dad’s impoverishment. Dad spent the last years with security and peace of mind.

Is Now A Bad Time For A Real Solution?

Perhaps you think you already have an answer to this problem. Maybe you do not see this as a problem at all.

It is possible that you do not believe in the passage of time or its effects on you.

Peace of mind and financial security are waiting for everyone who practices LifePlanning™. You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

The post New Year’s Revelation! appeared first on Carrier Law.

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All Of A Sudden, Another Game Of Monopoly Looks Really Good!

Basic Planning concepts

Here are a few basic principles of planning. I learned them in the Army. They are universal. Ignore these basic principles and you’ll wind up like Russians in Ukraine. Pitiful. Don’t be pitiful.

Failing to Plan is Planning to Fail

Any plan is better than no plan. Start with the goal in mind. For example, “I do not want my daughter to become a stripper.” Or “When I get old, I don’t want my children passing me around like a hot potato.” Or “I would like to live my life in dignity and modest comfort until the Lord says “Welcome home, good and faithful servant.” At which point I pass over the Great Divide, surrounded by the love of my family.”

Goals are Important!

Plans are how Goals become Reality.

When you are up to your ass in alligators, it is tough to remember that you came to Drain the swamp

Standard issue in every Army engineering unit is a poster with this slogan. Whenever you attempt to achieve any goal, gremlins will appear, troubles will multiply. Troubles that will distract you from your goal. Do not be distracted by the alligators. Remember your goal. And your plan to reach that goal. Focus. Allowing the inevitable snafus, difficulties, hassles, and annoyances to deviate you from your plan is failure. Keep your eyes on the prize. Nobody said this was easy.

ain’t no use in lookin’ Down ain’t no Discharge on the ground
ain’t no use in lookin’ Back Jody’s got your Cadillac

One of the first marching cadences new recruits learn is that “There ain’t no discharge on the ground.” You are not quitting. You must persevere. There is no easy way out. And besides, “Ain’t no use in looking back.” That way is closed. Keep your chin up and a smile on your face. It’s not that hard. And you chose the goal.

The Best laid Plans of mice and men gang aft agley

Scottish poet Robert Burns gets credit for this one. General George S. Patton (among others) said that no plan survives first contact with the enemy. And so it will be for your plans. Facts and circumstances impose reality on what you wish to accomplish. No surprise there. Not everything works out as you expect. Your plans will “gang aft agley” which I think means will often go astray. So what? There’s no alternative except failure.

And Now, On With Our Super Seven List Of Questions You Must Consider

Question 1: What About Your Little Kids?
You have minor children. Or grandchildren. You still like them. They’re not teenagers yet. Those little kids depend on you for everything. You know this. But what if you are no longer available? What if you cannot be there? Because you are dead. Also the other parent is dead. What about the kids? Who gets ‘em? Who manages the life insurance money?

Who pays for braces, ballet lessons, and the hockey travel team?

Who will handle the money? Who will care for the kids?

You need to answer these questions. They are the most important and fundamental. And lead to the most disastrous consequences when ignored. And don’t tell me your plan is to not die. That’s everyone’s plan. And usually that is what happens. But if the low probability scenario comes to pass, then it is 100%.

By the way. Do not let the “kid people” also be the “money people”. That’s how you get Olympic size swimming pools in your brother-in-law’s backyard.

Question 2: What About Mom? Or Dad?
You have parents. They are not as young as they used to be. 70% of Americans will need, on average, 3 years of skilled care. 20% will need 5 years or more. Most of this care has traditionally been provided within the family. But families are smaller. And busier. And paid-for care is more expensive than ever. If you can find it.

Barely trained home care workers cost $30+ per hour. Registered nurses, a vanishing breed, are twice that much. Nursing homes and assisted living facilities are overcrowded, understaffed, and exorbitantly expensive.

Why does it cost so much? Why are the costs never going down? Simple: Supply and Demand. There are more older Americans than ever. There are fewer younger Americans to care for the older Americans. Big Demand for Care. Low Supply of Caregivers. Plus the work is hard, the hours are long, the rewards are few.

Question 3: What About My Spouse? Or Me?
Look in the mirror. You’ve come a long way baby. And it shows. It ain’t just the years, it’s the mileage. And your odometer is clicking up there. So what is your plan? Impose on the kids? Good luck with that one. They are busy. They have kids. And if they don’t have kids, they’re still busy. Your parents raised you with a heaping helping of familial responsibility and guilt. You raised your kids on Doctor Benjamin Spock’s “Baby and Child Care”. How’s that working out for you?

The care you will need is scarce and expensive. And it is getting worse. And your care will continue to get scarcer and more expensive. Perhaps a little planning might be in order?

And by the way, you might just have a spouse who will need the same care as you. What’s the plan there? Nursing home poverty? Your choice.

Question 4: Who’s The Boss?
If you cannot make decisions for yourself, who’s going to make them? Who will manage your finances? Who will talk to the doctors when you cannot? Who has the strength of character to carry through your intentions?

And please do not “solve” this problem by naming co-trustees, co-patient advocates, co-agents, or co-anything else. Pick one person to shoulder the responsibility. Give that person the full authority and moral backing necessary. And then pray to God that they will step up in your moment of need.

Pick your first choice. Then your second choice. Then your third. Etcetera.

You say you don’t have anyone? If you do not choose the probate court will choose for you. Would that be better? Seems unlikely.

Question 5: Any Special Deals?

Does one of the kids get a special bargain price for the house? Or the cottage? Or the hunting property? Did someone step up and help out beyond any expectation? Beyond anyone else’s contribution? Did you tell anyone that they could have [FILL IN THE BLANK] at a low price or on favorable terms?

You may not have the guts to tell the other kids about these special deals. That’s OK! It’s none of their business what you decide to do with your stuff. Give it to the church, the mission, the animal shelter, your favorite charity. That’s fine. It’s your stuff to do with as you please. But do not MUMBLE! Do not create expectations that conflict with each other. Write it down. Have your lawyer write it down.

It is common, and uncommonly destructive, for kids to believe that whoever talks to Mom or Dad last is the one who gets their way. Let your “Yes” be yes, and your “No” be no. All else comes from the evil one. Your kids can deal with a lot. They can deal with your decisions and wishes. What they cannot be expected to deal with is lack of clarity. Ambiguity. You want to divide your family. Tell each one a different story. Agree with each. Do not write anything down. That’s how you make sure that your descendants will hate each other. Cousin vs Cousin.

And it may not have been that bad at the start. The problem is that no one repeats a story without making the story “better.” More dramatic. More black and white. Nobody likes a namby-pamby story. We want evil villains and noble heroes. And when you have left things in a mess, the story will be told and retold making it more dramatic each time.

When you say what you mean and mean what you say… Peace and Harmony.

Question 6: Who Gets The Stuff?

We always knew that my oldest sister, the oldest child, would get the silver flatware. It was a given. She staked her claim before half of the other kids were born. No one begrudged her. Everyone accepted. No problem.

But the “stuff” frequently is a problem. Here’s why. Stuff becomes a symbolic substitute for the loved one. (By the way, I’m making all this up, based on 33 years of observation and not a whit of psychological training.) Sometimes it’s the ashtray (not kidding) that becomes the symbolic substitute for Mom.

True Story: Kids could not agree who got the ashtray. Name-calling. Fighting. Back-biting. Then comes the auction. Not one of the kids bid on the ashtray. What’s going on? My Theory: When the ashtray was in the house, part of the furnishings, the connection to Mom was strong. Undeniable. The children could not ignore that connection. They could no more give up the ashtray than give up Mom. But. When the ashtray was on the auction block, it became an ashtray once again. It no longer had that symbolic significance. And none of the kids smoked.

Moral of the Story: If you want particular things to go to specific people, write your list. Then take pictures of the stuff and cross-reference the pictures to the list. Do not simply write a description. No one will agree with one another about what you meant. To coin a phrase: A Picture is worth a Thousand Words.

Question 7: So Tell Me What You Want What You Really Really Want.

On the health care front. Many people, while planning, will claim that they do not wish for extraordinary efforts. But when it comes right down to it, the question becomes: “Is that all you’ve got, doc?”

This can be the most difficult question of all. When in planning mode, you are calm, cool, and collected. When your life is on the line, right now… things look different. Sometimes, people have thought the thing through, made their choices, and stick with them. Frequently the change in perspective results in a change in decision-making.

My own father took the steadfast approach. On more than one occasion he was at death’s door. And intended to walk through. He resolutely rejected any further therapy. His body didn’t get the message, I guess, and so he survived a few incidents that astonished the doctors. They couldn’t figure out how he kept ticking. That seems to me to be a good way.

Think it through yourself. Take it seriously. That’s the best any of us can do.

Let The Journey Begin

We are all getting older. We can all expect to suffer the infirmities of age. We will all die.

How we progress is not up to us alone. But we have a vote. We can decide how to face the future. We can make it easier for our loved ones. We can throw obstacles in their path.

Is it foolish to plan ahead? If you cannot be in total control, should you give up the control that you have? Are you opposed to having as much say as possible? Would you rather be powerless?

Not all these questions apply to everyone. But maybe they can spark some conversation within your own thoughts. And with your loved ones.

“Bah,” Said Scrooge, “Humbug.” Why Don’t You Deserve A Little Payback For All The Taxes You Paid In?

Why Do You Want To Spend Your Last Nickel On Long-Term Care?

Why Shouldn’t The Government Spend Your Money For You?

Traditional estate planning is concerned with avoiding probate, saving taxes, and dumping your leftover stuff on your beneficiaries. After you die. Nobody cares what happens to you while you are alive. How does that help anyone? Stupid.

Traditional estate planning fails because the overwhelming majority of us will need long-term skilled care. 70% of us. For an average of 3 years. And we will go broke paying for it.

Is it surprising that thousands of recreation properties: cottages, cabins, hunting land, are lost to pay for long-term care? Why is your estate planner hurting you and your family? It is evil intent? Or stupidity?

LifePlanning™ defeats Nursing Home Poverty. Keep your stuff. Get the care you have already paid for. Good for you. Good for your family. Good example for society.

When my mother suffered from the dementia which led to her death, over 10 years ago, their estate plan preserved their lifesavings. Mom’s months in the nursing home did not mean Dad’s impoverishment. Dad spent the last years with security and peace of mind.

Is Now A Bad Time For A Real Solution?

Perhaps you think you already have an answer to this problem. Maybe you do not see this as a problem at all. It is possible that you do not believe in the passage of time or its effects on you.

Peace of mind and financial security are waiting for everyone who practices LifePlanning™. You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

The post 7 Questions To Answer Between Now And New Year’s Day appeared first on Carrier Law.

New Year’s Resolutions
Safe To Go Back To The Gym?

Top Ten New Year’s Resolutions
From the Home Office in Grand Rapids, Michigan, here are the top ten New Year’s Resolutions:

1. Exercise more
2. Lose weight
3. Get organized
4. Learn a new skill or hobby
5. Live life to the fullest
6. Save more money / spend less money
7. Quit smoking
8. Spend more time with family and friends
9. Travel more
10. Read more

—GOSKILLS.COM

Alert Readers will may notice that LifePlan™ made the list 3 times:
#3 Get Organized,
#5 Live Life to the Fullest,
#6 Save More Money.

New Year’s Resolutions Are Hard!

By now, of course, you have probably can’t remember your New Year’s Resolutions. Forget about trying to actually carry them out. Well, The Michigan Elder Law Reporter is always here to help! Are you against achieving 3 New Year’s Resolutions all at once? Is the beginning of another mad and merry year a bad time to get started? Is it a ridiculous idea to think that attending a LifePlan™ Workshop could be the start of something really big for you and your family?

LifePlan™ Workshop Resolutions Are Easy!

At the top of this page are the Workshop listings. Go. Pick a date and location. Pick up the phone or email us. Or sign up on our website by clicking HERE. Pick up your date. Come to the Workshop. In a few short minutes (60 minutes, but it goes fast) you will have accomplished 3 of the top 10 most popular New Year’s resolutions. And enjoyed some fresh-baked oatmeal raisin cookies, too.

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

No Poverty. No Charity. No Waste.
It is not chance. It is choice. Your choice.
Get Information Now. 800-317-2812

The post We Sure Do Love Resolutions… Mostly We Love Ignoring Them appeared first on Carrier Law.

2021 – A New Hope

Middle Class America –The Glue

Do you remember impeachment? It was only 12 months ago. Seems like a different era. Seemed important. But only empty drama. Then came COVID. Shut down China flights? Or shop in Chinatown? Huge big deal? Or despicable diversion? Not enough of anything. No masks. No ventilators. No supplies. No clear idea what to do next. Fifteen days to “flatten the curve” turned into 30. Imperial Governors decreed that unprepared facilities must accept COVID positive patients. Resulting in the highest death rates worldwide (despite accounting shenanigans). Fear. Uncertainty. Dread.

Middle Class Americans responded. Setting aside personal interests, personal planning. Amazing. Suddenly manufacturing all sorts of Personal Protective Equipment. Filling the empty cupboard. Navy hospital ships ready in days, not months. Jump-starting ambitious vaccine programs. Ventilator manufacturer to the world!

Regular folks. Punching in for the overtime. Working round the clock. Making it happen. You did that. Despite political petulance. Preening celebrities and posturing politicians. Riots as peaceful protests. Organized destruction as a First Amendment right. Glib experts who insisted that vaccines would take years. Same ones who now take Warp Speed progress for granted.

Through it all, you came through. Shifting through conflicting orders. Sacrificing lifelong traditions. Accepting the isolation of our most vulnerable… our parents and grandparents. You are the glue of America. Common sense, hard work. Justified skepticism. You have brought us through the crisis, at great cost to yourself.

Rules Are For The Little People

Dr. Fauci drops his mask at a baseball game. Governor Cuomo and Dr. Birx gather their families for Thanksgiving. Speaker Pelosi and other politicians continue their “beauty” treatments. For political advantage, the House of Representatives stalls for months. No relief to destitute, hungry Americans. Political winds change. Now the deal, laden with pork, is done in less than a day. The Elder Plague COVID kills nursing home residents at 70 times the rate of younger people. Yet the vaccines go to people at minor risk. Why? Rules for thee but not for me. The hypocrisy piled up so fast in Hollywood and Washington, D.C., you needed wings to stay above it.

And yet. We are the deplorables, the bitter clingers, the little people. And yet. We make it all work. We keep plowing ahead. Undeceived by childish lies. Undaunted by the glaring failures of our “elites.” But the time has come to refocus. Thousands of families have lost an entire year of planning for their own lives.

You Saved The Country. Again.
Time To Save Yourself. Your Family.

Time and again you have answered the call. Yesterday Detroit churned out bombers, fighters, tanks, and trucks. Today it is ventilators, PPE, and vaccines. Today’s war. Today’s weapons.
In 2020, at Carrier Law, our crisis caseload skyrocketed. Special rules expanded PACE. Fewer people focused on planning ahead, LifePlanning™. Although our team has been busier than ever, 2020 has been a year of wasted opportunity for regular families. I am extremely concerned.

You can get the information you want. In-person workshops and one-on-one meetings. Recorded and live-streaming webinars. Like you, we have never stopped serving. As you seek out new ways to accomplish your life’s work, we are on the same journey. By your side. Making the rules work for the people who play by the rules.

Sixty minutes that to accelerate your success. An hour to put 2020 in the rear-view mirror. Avoid Nursing Home Poverty. Reject silly Spend Downs. Learn how to preserve your loved one’s lifesavings, business, cottage, life insurance. Thousands of middle-class families have learned and use these techniques. Why not yours?

GET ANSWERS NOW… THE CALL THAT CHANGES YOUR LIFE…
COME TO A WORKSHOP… (800) 317-2812

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