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Planning For the End OF Life – A To-Do List

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Successfully planning for the end of life enables you to be just as powerful in the after realm as you were in life, which provides you with greater peace of mind for the end. And the sooner you start planning, the better, especially if you have dependents that rely on you for support.

However, depending on your number of assets and/or documents, it can quickly become overwhelming.

Therefore, it helps to first prepare a to-do list of end of life documents that will enable you to see what’s taken care of, what still needs to be done, and check them off as they are completed, thus ensuring the important details of your homegoing are in order, so the process goes smoothly the way you want when it is time.

Your loved ones will also appreciate your care in an already sorrowful time.

That being said, some documents to include in your list for end-of-life planning include:

Last Will and Testament/Living Trust

A last will and testament simply specify your wishes after you pass on, such as how you want your assets to be distributed, your funeral preferences, and who you want to execute your plans.

A living trust works in similar regards, except your assets are placed in a trust, which enables you to still benefit from them while you are living, and then once you go, it explains where you want your assets to go.

Because all of your assets are in a trust, it also enables your beneficiaries to avoid probate.

Living Will/Healthcare Power of Attorney

A living will helps protect your end-of-life wishes, which can include prolonging your life, in the event you are faced with a terminal illness and are unable to communicate them on your own.

In which case, your chosen healthcare power of attorney will communicate your expressed desires to the medical staff on your behalf.

Financial Power of Attorney

Power of attorney documents allows the appointed person to manage your financial and legal affairs on your behalf, such as paying bills and signing legal documents, in the event you are no longer able to do so on your own.

You can also specify the level of power the individual has in the document.

Letter of Competency

A letter of competency is simply a written document provided by your doctor attesting that you were in your right mind when drafting your end-of-life documents, which helps prevent family disputes over your mental state at the time, so they can’t override your wishes.

These are just a few important end-of-life documents you need to consider when planning for the end. For more help planning the details of your estate in life as well as after, consult your financial advisor or take a minute to review this how to plan for end of life guide to help get you started. You can also reach out to places like GoodTrust for any more help or information.

But whatever you do, don’t put it off because medical emergencies and mortality are sure to happen, and you’ll be glad you were prepared.

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Life Tips

How to Sell a House Fast – Proven Tips and Hacks

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Would you like to sell your house fast? Even though the process is emotional and challenging to some people, disposing of the home fast is rewarding in many ways. Many home sellers do not enjoy the long process of listing the house, doing home shows, or even hiring costly agents. Therefore, they prefer selling to cash buyers because they buy homes instantly on an “as-is” basis.

However, not everyone is ready to sell their homes to these buyers because there is a catch in the pricing of the homes. As such, the best way to sell a house fast is to get ready in all ways and then see the option that will work for you in the best way.

That said, we will look at proven tips and hacks to sell your house fast.

Choose a Selling Strategy

As mentioned, it is good to have a selling strategy that you think will work for you. Some people choose to use an agent who will ask for a commission and recommend house renovations and home staging, or you can avoid all this and sell the house fast to a home cash-buying company.

Before choosing a selling strategy, you should do a cost-benefit analysis because these two main options have pros and cons. If it is a difficult decision for you, you can seek the help of a consultant to help you out.

Choose the Right Cash Buyer

Do you want to sell your house to a cash buyer? If so, then you can rest assured that the process will be fast if you choose the right buyers. There are two types of buyers and both help home sellers sell their houses fast.

  • House flippers – To sell house fast to a flipper, you need to look for one in your area. They buy homes almost instantly when you cooperate with their process. They will typically send an assessor to look at your home and give it a sale value. If you accept the cash offer, then you will close the deal immediately and get paid.
  • iBuyers – These cash home buyers buy homes online. It is pretty fast and convenient for anyone who qualifies and cooperates with the system. Instead of sending an assessor to look at your home, they ask you to provide details of the property you intend to sell and then give you a quote. Anyone willing to sell a house fast should accept the quote to complete the deal.

Choose an Experienced Agent

If selling to a cash buyer is not your option, you can decide to list your property on real estate platforms and sell through an agent. Choosing an experienced professional will help you sell your house faster than you can imagine.

So, who is a real estate agent and why do they need to be experienced? This is a professional who sells a house on behalf of the seller. So, they will be in charge of preparing the house for sale and looking for the right buyer by advertising the house in the right channels.

According to real estate experts, an experienced agent will make the home selling process a lot faster and less of a hassle than struggling to sell the house by yourself. The agent will ask for a commission for the work done at the end of the deal.

Renovate Your House

When you choose to list your house, you should renovate the home and repair all broken areas to make it look good. Whether you will advertise it on social media platforms or list it on real estate channels, it must look good and modern to sell fast.

Anyone willing to sell a house fast should also consider home staging their house to give it an attractive look. This may include remodeling and the addition of a contemporary features to an old home. With this, you can rest assured that it will sell fast.

Price it Appropriately

Lastly, let’s mention the house pricing. It is one of the most crucial decisions you can make to sell a house fast, particularly when selling it through an agent or when advertising it for sale. The price should be fair and in line with the current market price of a similar home. Many people prefer to use a professional to help with pricing, which is highly recommended.

Final Thoughts

Do you wish to sell your house fast? These proven tips and hacks will help you shorten the time to strike a deal and sell your property. If you choose the cash buyer option, the process will even be shorter and more convenient. However, listing it can be pretty fast when you do the right thing.

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7 Tips for a Better CBD High

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More people are incorporating CBD into their daily lives than ever before. As infused products become more common, making the most out of your CBD is essential. Whether you prefer tinctures to promote deep sleep or topical ointments to ease sore muscles, you can take a few effective steps to enjoy CBD to its fullest potential.

Are you looking to maximize your CBD experience? Here are seven tips for a better high.

Switch up your consumption method

One of the most manageable changes to make that considerably impacts your relationship with CBD is trying out an alternative consumption method. Popular options include gummies, tinctures, concentrated oils, and capsules. Above all, dabbing is the most potent form of CBD consumption. With the right tools, like mini dab rigs and a trusty torch, you’ll take your experience to the next level.

Eat foods high in fat

Foods that are high in fatty acids actually increase the bioavailability of CBD. The acids act as a life raft for cannabidiol and deliver it quickly through the digestive system. So before you consume an infused product, try adding dishes like fish, avocado, or nuts to your plate. Other helpful foods include cheese, eggs, and dark chocolate.

Opt for full-spectrum products

If you usually stick to CBD isolate products, which only contain CBD, you might benefit from trying out full-spectrum variations. The alternative product includes trace amounts of natural compounds found in cannabis, like terpenes and flavonoids. Full-spectrum CBD products also have a small amount of THC, which produces a more potent experience.

Mix in other herbs

In addition to fatty foods, other natural herbs can also enhance CBD’s bioavailability. When added to your consumption routine, turmeric, piperine, and CBD work together to increase the absorption rate. Another useful herb is Apigenin, found in chamomile flowers, oregano, parsley, and celery.

Load up the terpenes

Like hemp, different CBD strains contain different amounts of terpenes. The aromatic elements can produce calming effects on their own and, when consumed with CBD, produce the entourage effect. Just as certain natural herb blends amplify each other’s strength, CBD and terpenes work together to magnify your experience.

Take sublingually

Absorbing CBD through the digestive tract is all fine and dandy, but for more immediate effects, try sublingual consumption. Placing a few drops of tincture under the tongue, you’ll notice instant relief. If you aren’t a fan of CBD’s pure and all-natural flavor, you can always opt for products supplemented with peppermint or lemon.

Increase dosage

Of course, an obvious way to enhance your CBD experience is to increase the dosage. A straightforward step up could make a world of difference to your routine, especially when combined with the above methods. Before making any drastic change, start small and work your way up. You can always add more once you’ve found your footing.

Final thoughts

CBD is one of nature’s greatest tools for relaxation and pain management. If you notice your herbal experience lacking, you can easily reinvigorate your high with a few adjustments. Try adding delicious and healthy food to your diet, or experiment with different consumption methods. Mix CBD with other natural herbs, and don’t shy from extra aromatic terpenes. With so many options at your disposal, you’ll reach new levels of CBD appreciation in no time.

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Insuring Your Motorcycle: Do’s and Don’ts

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Motorcycles are a great way to enjoy the open road, but they also come with their own set of risks. That’s why it’s important to make sure your motorcycle is properly insured. Here are some dos and don’ts to keep in mind when insuring your motorcycle.

Do shop around for motorcycle insurance quotes and compare rates

Before you choose a policy, it’s important to shop around and compare motorcycle insurance quotes from multiple providers. This way, you’ll be sure to find the best rate for your motorcycle insurance.

When shopping for motorcycle insurance quotes, be sure to compare apples to apples. That is, make sure that the coverage levels and deductibles are the same between the policies you’re comparing.

Don’t lie about your motorcycle driving record or the make and model of your bike

Lying about your motorcycle driving record is not only illegal, but it can also lead to serious consequences if you are involved in an accident. Your insurance company may refuse to pay out on a claim if they find out that you have lied about your driving history, and you could be held personally liable for any damages.

The same is true of lying about the make and model of your bike. If you are involved in an accident and it is revealed that you were riding a bike that is not covered by your insurance policy, you could again be held personally liable for damages.

In addition, lying about the make and model of your bike could invalidate your insurance policy altogether.

Do read the entire policy before signing up for motorcycle insurance

Many people make the mistake of skimming over their motorcycle insurance policy before signing up for coverage. However, it is important to take the time to read the entire policy in order to understand what is and is not covered. For example, some policies may only cover certain types of motorcycles, or they may exclude coverage for accessories such as custom parts.

It is also important to be aware of the deductibles and copayments that will be required if you need to file a claim. By taking the time to read the policy thoroughly, you can avoid misunderstandings and unexpected expenses down the road.

Don’t wait until you have an accident to buy motorcycle insurance

Motorcycle insurance is a vital piece of protection for riders, and it should not be put off until after an accident has occurred. Doing so can leave you without coverage when you need it the most.

Not only that, but waiting to purchase motorcycle insurance can also result in higher premiums. Insurance companies view riders who have been in accidents as high-risk customers, and they will often charge more for coverage.

By buying motorcycle insurance before you hit the road, you can help to protect yourself financially in the event of an accident. You may even be able to get a discount on your premium if you take out a policy in advance.

Do keep a copy of your motorcycle insurance policy in a safe place

While most riders are aware of the importance of insurance, many do not realize that it is also important to keep a copy of their policy in a safe place. In the event of an accident, riders will need to provide their insurance information to the police and their insurance company.

If a rider’s policy is lost or stolen, it can be difficult to replace. Keeping a copy of the policy in a safe place will help to ensure that riders have the information they need in the event of an accident.

Additionally, keeping a copy of the policy handy will also allow riders to easily review their coverage and make sure that they are still properly insured.

Motorcycle insurance is a necessary expense for all riders, but that doesn’t mean you have to pay more than you have to. By shopping around and comparing rates, you can be sure you are getting the best deal on your motorcycle insurance.

Be honest about your driving record and the make and model of your bike when you are applying for quotes, and take the time to read through the entire policy before signing up. It’s also important to keep a copy of your policy in a safe place and update it whenever you add or remove accessories from your motorcycle.

By following these tips, you can save money on your motorcycle insurance while still staying safe on the road.

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