Long-Term Care Insurance, (hereinafter, “LTCI”), is thought by many professionals to be an important component of a well-designed financial plan. Like other insurance, it is purported to insure you against certain events; more specifically, the depletion of retirement savings and income, and the loss of choice and independent decision making when long-term illness or disability…
Todd Miller attended a 3-hour GAL educational seminar in Jefferson City, MO recently. This course is mandatory review for all attorneys serving as guardian ad litems in Mid-Missouri courts. “Guardians ad litem have extensive power and responsibility. Their duties are greatest in cases involving children, where they investigate, attend to the child’s emotional and legal…
According to the State of Missouri’s Office of Administration, our state’s elderly population has increased more consistently and proportionately than any other age group. While Missouri residents age 65 and over represented only 10% of the population in 1950, by 2030 the Office of Administration predicts their numbers will represent more than 20% of all…
The Missouri Durable Power of Attorney Law is set forth in Chapter 404.700 through 404.735 of the Missouri Revised Statutes. A power of attorney is a legal document wherein you voluntarily, and with informed consent, and in the presence of witnesses, give another person powers to address your property and finances. Although you may select multiple parties to…
According to the American Veterinary Medical Association, pet ownership is very popular in the United States. The AVMA 2012 U.S. Pet Ownership & Demographics Sourcebook indicates 36.5% of all households own a dog; 30.4% of all households own a cat; 3.1% of all households own a bird; and 1.5% of all American households own a…
Seniors are not immune to the collapsing state of marriage in America. According to the National Center for Family & Marriage Research at Bowling Green State University, the divorce rate for couples over 50 doubled from 1990-2009. While some experts think that the trend is because of our growing cultural acceptance of divorce, still others…
Let’s start with two wonderful quotes: “A bulldog can whip a skunk, but sometimes it’s not worth it.” – J. Nowell or “Creditors have better memories than debtors.” – Ben Franklin. When clients hire me to collect a debt, these humorous quotes often come to mind, but for most business owners and senior adults who…
In 2012, it was estimated 1.857 million cars were rented from 18,293 locations. When renting a vehicle it is important that you fully understand the fees, insurance coverage and liability, as well as the terms and conditions. The following tips are designed to help you save time and money. Do your homework.By booking online, you…
Few people who have successfully declared bankruptcy will tell you the process is an effortless discharge of debts followed thereafter by a fresh and new life. To some, bankruptcy is an embarrassing admission of fault, defeat, or insufficiency. Still others consider it a terrible chapter of their life and one of the top five life-altering…
Many individuals are offended after receiving a traffic ticket and desire to remove it from their record at all costs. Our firm represented traffic clients in over 30 Missouri jurisdictions last year and we monitor traffic offenses carefully and encourage clients to seek a disposition with counsel and without points whenever possible. This article examines…
