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Who Inherits If I Die Without a Will? (Tennessee)

Posted by Nina Whitehurst | Aug 14, 2019 | 0 Comments

I often get asked who inherits if someone dies without a will.  This is called dying "intestate", and there are laws that specify who inherits.  The persons that inherit are called "heirs at law".  This post covers who inherits if a person domiciled in Tennessee dies without a will.  State laws v...

What Makes a Will Valid?

Posted by Nina Whitehurst | Aug 09, 2019 | 0 Comments

Movies, television, and books like to present wills in dramatic ways--handwritten notes, videos, deathbed utterances--but what actually makes a will valid? The law varies depending on what state you live in, but there are some basic rules.  The legal requirements for a will are fairly simple. ...

Should You Sell Your Life Insurance Policy?

Posted by Nina Whitehurst | Aug 08, 2019 | 0 Comments

Older Americans with a life insurance policy that they no longer need have the option to sell the policy to investors. These transactions, called "life settlements," can bring in needed cash, but are they a good idea?  If your children are grown and your mortgage paid off, you may decide that ...

How to Report Phishing Scam Email Messages

Posted by Nina Whitehurst | Aug 02, 2019 | 0 Comments

This is a bit off topic for this blog, I know, but the unfortunate reality is it is about something that affects us all. I myself get a phishing scam email at least once per week, sometimes more.  I am often tempted to play along for a while to waste the bad actor's time, but unfortunately that w...

What Happens to Your Online Accounts When You Die?

Posted by Nina Whitehurst | Jul 30, 2019 | 0 Comments

Have your prepared for your digital death? According to an excellent online article entitled Your Guide On Digital Death (and How to Handle It): "Digital assets and possessions can carry both sentimental and monetary value, but they aren't generally given much thought. Only 2.3% of the survey p...

Best Reverse Mortgages Based on In-Depth Reviews

Posted by Nina Whitehurst | Jul 22, 2019 | 0 Comments

The folks at have created a comprehensive guide to reverse mortgages - what they are, who they're best suited for, and their pros and cons.  This guide includes rankings of various reverse mortgage companies based upon transparency & reputation, loan options and availability....

United State Supreme Court Spanks North Carolina

Posted by Nina Whitehurst | Jul 01, 2019 | 0 Comments

In a recent case, North Carolina Dept. of Revenue v. Kimberly Rice Kaestner 1992 Family Trust (U.S., June 21, 2019), the Supreme Court of the United States ruled that North Carolina had no business taxing Ms. Kaestner, a North Carolina resident, solely because she was a future beneficiary of a trust...

What to Do With an Inherited IRA

Posted by Nina Whitehurst | Jun 26, 2019 | 0 Comments

Inheriting an IRA may seem like a good thing, but there can be tax consequences if you aren't careful. If you inherit an IRA, you should check with an attorney or financial advisor as soon as possible to find out your options.

IRAs Require Special Consideration in Estate Planning

Posted by Nina Whitehurst | Jun 25, 2019 | 0 Comments

Individual Retirement Accounts (IRAs) are a popular investment tool for retirement, but they also need to be taken into account when doing estate planning. Although IRAs can be used to provide for heirs either directly or through a trust, to what extent your heirs will benefit from the IRA and ...

The Ignored Vitamin Cure For Macular Degeneration

Posted by Nina Whitehurst | Jun 21, 2019 | 0 Comments

This eye disease is age-related, striking a significant portion of senior adults and robbing them of independent living in their retirement years. If you want to avert the development of this sight-robbing disease, called macular degeneration, you are going to have to step outside modern medicine. Eye doctors only have treatment but no prevention for this dastardly eye disease that robs senior adults of their central vision for reading, driving and watching TV.

What You Need to Know about Family and Medical Leave

Posted by Nina Whitehurst | Jun 19, 2019 | 0 Comments

Federal law has required certain businesses to offer family and medical leave for decades. An increasing number of states have also enacted or considered passing laws requiring businesses to offer family and medical leave. For small businesses, these laws have distinct pros and cons. This article...

Casey, Toomey Secure CMS Commitmentto Publicly Release Monthly List of Underperforming Nursing Facilities

Posted by Nina Whitehurst | Jun 18, 2019 | 0 Comments

Today, U.S. Senators Bob Casey (D-PA) and Pat Toomey (R-PA) applauded the decision by the Centers for Medicare and Medicaid Services (CMS) to publicly release the monthly list of nursing facilities that are candidates to the Special Focus Facility program. This announcement by CMS comes on the heels of Casey's and Toomey's release of a report on under-performing nursing homes across the U.S. nursing homes.

Death With Dignity Laws

Posted by Nina Whitehurst | Jun 17, 2019 | 0 Comments

Clients sometimes ask me whether they can authorize their healthcare agent (named in their advance directives or medical powers of attorney) to, essentially, euthanize them if their quality of life becomes intolerable.  The answer is no, that would be considered murder, at least the way the laws ...

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