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Available options for estate planning for special needs children

Most Pennsylvania residents know the importance of engaging in timely financial and retirement planning and how it ensures one's assets are divided off as one wishes but the significance of it is highlighted even more when one has special needs children. Providing for a special needs child's emotional, physical and financial needs for the long-term is as essential as it is challenging. According to one study, the lifetime cost to supporting someone with autism is around $1.4 million and if the person also has an intellectual disorder, the cost goes $2.3 million.

Though it may seem like the best option, making that child a beneficiary is perhaps the worst step that a parent can take. Rather than helping them in the long-run, it can actually have detrimental effects as children might not be able to qualify for federal benefits that offer financial help as having a limited amount of income and resources to one's names is a requirement.

4 reasons teen drivers cause accidents

Teen drivers hit the roads with very little experience. Putting in hours with a parent or an instructor is simply not the same as driving on their own. As a result, teenagers have very high accident and fatality statistics.

One potential issue is that it's impossible to fix the problem of lacking experience. Teens cannot get it on their own without simply spending time on the road. You could argue that they need more time with parents and instructors, but they really need time on their own to get comfortable.

What factors determine best interests for child custody?

Previously, judges in Pennsylvania used the best interests standard to make child custody determinations without outlining what would be considered relevant for making this determination. This left both a lot of discretion and ambiguity around the topic with each party throwing whatever they thought was relevant to the decision and judges using their discretion. In 2011, however, the law changed slightly -- even though the best interests standard was being followed, the law laid out what factors should be given weighted consideration.

There are now 16 factors that the courts are supposed to consider when deciding what is in the best interests of the child. Since it is important for children to maintain a healthy relationship with both parents, the court will look at which parent is more likely to encourage and permit a continuing relationship with the other parent and attempts to turn children away from one parent or the other. Additionally, they will look at the parental duties performed by each parent for their child and which parent is more likely to attend to the daily emotional and physical needs of the child. The ability make arrangements for childcare will also be considered.

How teens can avoid danger on prom night

There are two things that every teen driver looks forward to between April and May: spring break, where they can get away from school for what seems like a month (even though it’s only a week); and prom night, the one night during the spring where they can dress up and strut their stuff. For generations, prom night is the one night during a teen’s high school experience were lifelong memories can be made. For many teens it is the first time that they have worn a ball gown or a tuxedo.

With as much fun that prom night can be, we certainly do not want it to be a teen’s last night. There are a number of car accidents that occur during prom season. In fact, the period between April and June is ripe for crashes to occur. To guard against prom night accidents, teens should incorporate the following tips.

Get your affairs in order as soon as possible

Giving your family the security they deserve is a priority for many adults. One way that you can help boost the security is to ensure that you have your estate plan in order. Contrary to what many people think, estate planning isn't only for the elderly. Instead, anyone who is an adult needs to have their affairs in order so that life is less stressful for their loved ones when the time comes to use the plan.

Creating your estate plan isn't a process that is always easy, but the effort you have to put into it is worth it. Let's take a look at some of the common estate planning components you need to consider and ways that you can avoid some common mistakes.

How to regain control of your life after divorce

Even if you realize that divorce is one of the best things you can do to improve your life, it doesn't mean you won't look back and wonder what went wrong. For this reason, it can be a challenge to regain control of your life after divorce. Instead of looking toward the future, you continually dwell on the past.

Fortunately, with the right strategy in place, you can regain full control and begin to feel good about where things are headed in your life.

Estate planning considerations for those without children

Often, estate planning discussions revolve around inheritance. For people who have children, estate planning can have a focus on distributing wealth along the traditional generational path.

However, many couples and independent Pennsylvania residents don't have children. Instead, their lives and legacies have other purposes and passions. As a result, estate planning can reflect these other facets of your life. Nonparents have a wide range of options and decisions to make regarding end-of-life care and passing along assets to others.

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