Homeowners insurance can protect you and your family in the event of a loss caused by theft. But what is better than being reimbursed after the fact? Taking some simple steps to prevent burglaries in the first place! Maintain your yard. This may sound unrelated, but the appearance of your yard, specifically the areas around your windows, can either invite or deter burglars. Think of … Continue reading 6 Tips to Prevent Burglaries
5 Reasons Young Families Need Life Insurance A mother of three, in her thirties, is diagnosed with breast cancer; a three-year-old boy is diagnosed with juvenile rheumatoid arthritis; a twenty-eight-year-old woman is hit in the head while outside and suffers a concussion; a forty-two-year-old man visits his doctor for a yearly physical and is diagnosed with sleep apnea. These are scenarios which I have witnessed … Continue reading 5 Reasons Young Families Need Life Insurance
Planning for Children with Special Needs Last month I wrote about the exorbitant financial and tax penalties of Aretha Franklin’s estate because she failed to do estate planning. I also mentioned that Franklin had a son with special needs. One report mentioned that Franklin’s attorney had spoken with her multiple times suggesting that she do planning for herself and her son with special needs. Perhaps … Continue reading Intervivos: Planning for Children with Special Needs
Advantages of Credit Cards Are you getting wary of credit cards and their confusing tangle of benefits and debt traps? With all the flak they get, you may have considered ditching your credit cards for good. Here are a few reasons why that’s not the best idea! First, credit cards can boost your credit score. You’ll need a credit history and a respectable credit score … Continue reading Wasatch Peaks Credit Union:Advantages of Credit Cards
IS YOUR PLAN COSTING YOU TOO MUCH? IS YOUR PLAN STILL THE RIGHT PLAN FOR YOU? The wrong plan can cost you plenty of money even if the plan has a $0 premium. The 2018 Annual Open Enrollment Period is from October 15th through December 7th. During this window, you have the opportunity to switch your plan if needed. Because Medicare has so many parts, … Continue reading Attention! Are you on Medicare
Debt is the wealth killer. There’s one very notable exception, though, and you’re living in it. If you’ve already paid for your house or own a large equity in your home, there are still ways you can reap the benefits of this “good debt.” You can use a home equity line of credit, or HELOC, to pay for a variety of expenses. Let’s take a look … Continue reading Wasatch Peak Credit Union
A power of attorney is an important document in your estate plan. You want to make sure it is done correctly to prevent unintended negative consequences. A comprehensive estate plan includes a revocable living trust, a pour-over will, a power of attorney, and various healthcare documents. A power of attorney gives another person the ability to act on your behalf for specified legal and financial … Continue reading Power of Attorney Intervevios
Many homeowners experience the reality of a growing to-do list without the time or resources to get everything done. As issues pop up, we are faced with deciding whether to act right away or add the project to a list of things to fix later. Our decision on what can wait and what must be fixed right away depends largely on whether the issue is … Continue reading Heiner’s Insurance
The majority of the questions I receive from business owners involve how to limit personal liability. We live in a sue happy world. There are times when companies deal unfairly with people and filing a lawsuit may be the only recourse to provide a remedy for the injured party and hold the offending party accountable. However, there are also times when a person will initiate … Continue reading How business owners limit personal liability
Many attorneys throw the phrase “estate planning” around as if it is a generally understood concept, but many people do not have a clear idea of what it means. Put simply, estate planning means giving what I have to whom I want, the way I want, when I want. I often hear people say, “I just need a simple will.” In some cases that may … Continue reading Estate Planning
The Thompson Ranch sits at the bottom of 600 West, near 2700 North. Years ago, the lane heading north up to Pleasant View City Building was just dirt. During Shorty Thompson’s daily walks all the way up this dirt lane to pick up his mail and paper, he liked to make wild gestures like throwing his hat up in the air or flipping the birdy … Continue reading Valley Glass, Sonny Thompson and Shorty’s Lane
Intervivos is partnering with Peace Legal to open a new office on Historic 25th Street in Ogden. There will be an open house at the new location on April 13th. I am excited about the partnership because, although Inter Vivos and Peace Legal practice in different areas of the law, both firms have the same goal of providing peace of mind. Inter Vivos focuses on estate … Continue reading Intervivos: Our Partnership with Peace Legal
With the new year, my wife and I have been talking about different vacations we would like to take in 2018. When I think about traveling, I am always reminded of a story I included in my article in this magazine a few months ago about the importance of assigning guardians for minor children. Because this is such an important aspect of estate planning and … Continue reading Custody matters
The positive trends in the market over the last year have reignited the American entrepreneurial spirit. While it is a great time to start a business, you want to make sure you are surrounding yourself with a team that can make your business viable. Here are two important considerations to get right at the outset so your business begins on a path of success. The … Continue reading Starting a Business
Is it truly better to give than to receive? C.S. Lewis wrote: “I do not believe one can settle how much we ought to give. I am afraid the only safe rule is to give more than we can spare. In other words, if our expenditure on comforts, luxuries, amusements, etc, is up to the standard common among those with the same income as our … Continue reading Doing It Just Because
I recently helped a client, a dear woman I will call Martha, set up a Special Needs Trust because her mother had passed away. Had Martha received her inheritance outright, it would have disqualified her from continued social security assistance. Martha’s disability restricts her from working even a part-time job and is her only source of income. Martha’s inheritance may have supported her for a … Continue reading Special Needs Trust
The most important asset a company has are its employees. Your employees interact with customers, co-workers, managers, partners and get things done. These interactions are critical when establishing a positive culture and providing superior customer service. Since your employees are so valuable, how do you show your gratitude for them? Showing your appreciation for your employees and making them feel important will bring great results … Continue reading How to show more gratitude for your employees
Matthew Haysenyager and his love of bikes lead to opening his own bike shop in downtown Ogden. At age 13 Matthew Haysenyager had saved enough money from working at a local dairy for several years to purchase his first nice mountain bike, a Bianchi Lynx, (today he rides a steel hard-tail called Karate Monkey made by Surly). When Matt walked into the nearly 100-year-old church … Continue reading Skyline Cycle
The holiday season is a wonderful time of the year, but also can be stressful and present hazards. The roads are icy, stores are packed, kitchens are busy, and dull moments are few and far between. We understand how busy you are and want to help you stay safe during this holiday season. Read these 5 tips to have a safer holiday season. 1.Oh Christmas … Continue reading 5 Tips for a safe & happy Holiday season share
And now, the end of the year is upon us! I spent last week cleaning my barn, making sure my goats had fresh hay delivered to last through the winter, and sending unused furniture pieces to the Habitat for Humanity ReStore on 31st and Wall before the snows blocks my basement doors. My final cleanup moved items into the new shed my son and his … Continue reading Preparing for Winter
