AARP has developed a calculator that helps you determine your projected shortfall or surplus at retirement. You can also see just how long your current retirement savings will last.

Just click on Retirement Shortfall Calculator and follow the instructions.

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Stuffing envelopes. Lure: Earn big bucks — usually more than $1 per envelope — for folding papers and sticking them into envelopes.

Medical billing or insurance-claims processing. Lure: You can make big money processing medical paperwork.

Assembling crafts or sewing together clothing. Lure: Are you good with your hands? Then these companies claim to have a career for you. They will send you unassembled parts and instructions, and you assemble them and send them back.

E-mail processing. Lure: Earn big bucks by receiving email sent to the customer service websites of major companies, then forwarding these messages to the proper departments. For a fee, you can receive a list of companies anxious to hire you.

Payment processing for international companies. Lure: A company with clients around the globe needs a US representative to handle incoming checks. You will receive checks from overseas, deposit them in your account, take a small cut as your fee, then send your own check for the remainder to your foreign employer.

Mystery shopping. Lure: Earn thousands of dollars by reporting on the quality of the service you receive in stores.

For details, read the complete article at Work at Home Scams.

These Work-at-Home Job Offers Are Scams is a post from: Best Free Legal Forms

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What an Advance Directive does

An Advance Directive is a way to document what you would like to happen if one day you are unable to communicate your wishes. Simply put, an Advance Directive ensures that you have a voice in how decisions about your end-of-life care are made.

Would you rather call the shots? Or would you prefer to rely on a stranger to make very important and complicated decisions about your health care?

Advance Directives are not necessary for guiding your care when you are conscious and communicating effectively. They come into play when you are unconscious or mentally incapacitated – as a result of dementia or Alzheimer’s disease, for example.

Imagine that you are involved in a serious car accident. Perhaps you suffer a brain injury and cannot breathe on your own. Would you want to remain hooked up to life-support equipment indefinitely, as long as it keeps your heart beating? Or would you prefer not to live in a state in which you must depend on machines to keep you alive?

There is no right or wrong answer. But you probably have an opinion about how you would want your medical care to proceed if such a situation occurs. You have the right to have your voice heard. An Advance Directive is a legally binding document that makes your wishes clear to your caregivers and doctors.

There are different types of Advance Directives.

• Living Will. This document is basically a how-to manual for physicians to follow in regard to your health care if you are unable to guide them. Written while you are still able to voice your opinions, it spells out what treatments are and are not permissible. You may consent to a feeding tube, for example, but not a breathing tube. A Living Will is completely different than a Last Will and Testament.

• Durable Power of Attorney for Healthcare or Healthcare Proxy. This document names the person who you authorize to make medical decisions on your behalf if you become unable to make them yourself. The person you designate (your “Proxy”) is often, but not always, a close relative. He or she should have a deep and clear understanding about how you would want to be treated in the event of serious illness or injury.

Although you can choose to pursue one or more of these directives, you should seriously consider using all of them.

Tell Your Loved Ones

Once you execute an Advance Medical Directive, it is important to share it with your loved ones and your physicians. Most states recognize Advance Directives signed by adults as binding documents.

An Advance Directive is not just beneficial to senior citizens or those with terminal illness. Unexpected tragic events happen every day to people of all ages. Everyone should have a Advance Medical Directive so they can be in charge of these vitally important decisions.

Get a Professionally Drafted “Advance Directive” … Free

You could pay a lawyer a lot of money to get a comprehensive, well-written Advance Medical Directive (Living Will, Durable Power of Attorney and Health-Care Proxy) for your state. Or you could get it free by clicking on Advance Medical Directive [You can get 587 other free legal forms at Best Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

What is an Advance Directive? is a post from: Best Free Legal Forms

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“Shred unwanted credit cards or cut them into many small pieces, and dispose of the bits in separate garbage bags. The old recommendation to cut an old card in half is no longer enough.

Reason: Some cards give the entire credit card number on both the front and the back. A crook who finds only one half of the card might be able to figure out the complete number by combining the numbers on the back with those on the front.”

For this and other useful articles, go to Shred.

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Just click on Investment Returns Calculator and follow the instructions. The calculator will do the rest.

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What is the Process of Selling Equipment?

Once you’ve found a buyer for your equipment, it can seem like all of the hard work is over. After all, the advertising and marketing of your product can take a considerable amount of time and effort particularly in an increasingly competitive marketplace. It can be tempting at this point to rush into shipping your equipment to the purchaser as quickly as possible. The financial rewards for completing a transaction are understandable, but if you allow informality to creep into your paperwork ultimately it is your business that will suffer.

Agreeing to sell someone a piece of equipment isn’t just about deciding on the purchase price. There are various other considerations to take into account. A well-written and concise contract will clearly define the terms and conditions associated with the exchange of goods. Not only does this protect you in the event of any problems, but it also helps to prevent misunderstandings. One of the most common ways to deal with a sales transaction is to use an “Agreement for Purchase of Equipment”.

What is an Agreement for Purchase of Equipment?

An Agreement for the Purchase of Equipment is a legally binding contract which allows the transfer of a specified piece of equipment from a seller to a purchaser. Some of the key points of such an Agreement include:

• the details of the transaction with specific reference to the items for sale.

• the payment schedule, total purchase price and any related costs.

• identification of the party responsible for repairs and maintenance of the equipment.

• any warranty available on the equipment sold.

What are the benefits of using an Agreement for the Purchase of Equipment?

One of the main benefits of using a standard Agreement is to formalize the terms and conditions associated with the sale. Thus, your Agreement can help to prevent disagreements while at the same time protecting the legal rights of both parties.

Your Agreement also formally identifies the transfer of the equipment from one party to another, thereby acting as a record of the transaction. It can be used for accounting or taxation purposes and is therefore useful as a sales receipt.

Get a Professionally Drafted “Agreement for Purchase of Equipment” … Free

You could pay a lawyer a lot of money to get a comprehensive, well-written “Agreement for Purchase of Equipment” … or you could get it free by clicking on Agreement for Purchase of Equipment [You can get 587 other free legal forms at Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your company’s exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

Your Equipment Sales Can Come Back and Bite You. Here’s How to Protect Your Company … is a post from: Best Free Legal Forms

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1. Tell me about yourself.

2. Why are you looking for a job?

3. You haven’t worked for a long time. Why not?

4. What are you looking for?

5. Aren’t you overqualified for this position?

6. We have state-of-the-art technology.

7. We don’t have many employees who are your age.

8. What’s your biggest weakness?

9. What are your salary requirements?

10. Do you have any questions?

For details, read the complete article at Tough Questions.

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Just click on Investment-Property Calculator and follow the instructions.  The calculator will do the rest.

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1: Research More Thoroughly

2: Don’t Be Afraid of Opaque Sites

3: Look Into Package Deals

4: Use a Travel Consolidator

5: Book Through a Travel Agent

For details, read the complete article at Travel Tips.

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What is HIPAA?

HIPAA does not, without written consent from you, allow anyone to gain access to information about:

• your physical and mental health evaluations

• your medical treatment history

• the way that you paid for your medical treatments

These restrictions are intended to protect you. However, they can also make it much more difficult for the Health Care Proxy you designate to make decisions.

Health care providers face severe penalties if they give out information about your health or medical condition without your consent. Because of this, they will always be on the lookout for reasons not to share information with your anyone – including your Health Care Proxy.

Your Right to Privacy Can Hurt You

Under HIPAA, your Proxy will not have access to your records until you are proven to be incapacitated. This means that, until your doctor decides, your Proxy will not be able to make decisions … your Health Care Proxy will have no power at all.

Therefore it is extremely important that you eliminate the effect of HIPAA as it relates to the rights of your Health Care Proxy. The HIPAA law permits you to do just that.

How to Solve the HIPAA Problem

You need a document known as a HIPAA Release and Authorization Form (“HIPPA Waiver”). If you sign a HIPAA Waiver, you authorize all doctors, health care providers, etc. to release your medical information to your Health Care Proxy without any risk that they will be considered to have violated the HIPAA law.

Get a Professionally Drafted “HIPAA Release and Authorization Form” – Free

You can get a HIPAA Release and Authorization Form at no cost by clicking on HIPAA Waiver. [You can get 587 other free legal forms at Free Legal Forms.]

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Note: You should read this form carefully and make any changes that are necessary to fit your exact requirements. If you aren’t sure how to do this, contact a lawyer. Your legal cost will be much less than if your lawyer had to draft the language from scratch.

Your Health Care Proxy CANNOT help you unless you do this … is a post from: Best Free Legal Forms

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