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Planes, Trains and Automobiles

July 4, 2010

Worried about getting on that plane because you don’t have a plan?  What will happen to the kids?  To the retirement plans?  The home?  You’re not alone if you have these concerns when you’re traveling on vacation.  We all worry about our mortality and capacity and how the inevitable will affect those we love. Did [...]

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Who gets what?

June 8, 2010

Think of everything you own:  life insurance policies, annuities, IRAs, 401ks, retirement plans, pensions, brokerage accounts, all the bank accounts and money markets and CDs, your home, other real estate, business interest, autos and finally, all the stuff in and around your home and on your property, furniture, computers, TVs, firearms, tools, paintings, pianos . [...]

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Wheels of Change

March 4, 2010

It was 1996, three years before I heard of Dave Ramsey.  We had 2 cars, one was paid for, and I decided I needed a truck.  Lori had just delivered our second child, fifteen months after the first.  We had my law school loans and foolish credit card debt, and we were sitting on 3 [...]

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Breaking the Chains

March 1, 2010

Some years ago when we lived in Alabama, we heard about a guy named Dave Ramsey.  He was doing a radio show and telling people to get out of debt.   He was telling folks to live without a credit card and going so far as to say people should live on LESS than what they [...]

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A Texas Tale

August 1, 2009

I was on a men’s retreat a couple of months ago.  We would break out into our small group of twelve and talk about what we had just learned in the big group, what we thought.  The men’s ages ranged from twenty-something to 60-something.  We got to talking about high school and cars and and [...]

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Estate Planning In the Face of Death

July 21, 2009

It was a cold, wet day when Yvonne and I presented at the Ecumenical Center, a great place smack in the middle of the South Texas Medical Center that opens its doors to many groups:  patients, caretakers, family members and organizations.  The local ALS Association had invited us to present basic estate planning to its [...]

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Buy-Sell Agreements And Your Sanity

July 19, 2009

For decades they’ve made a good living, smooth sailing at times, struggling at other times, making payroll for staff but not themselves sometimes.  Their child, now forty-something and a shareholder in the company, decided to declare bankruptcy but didn’t bother to disclose that to mom and dad until after the fact.  Actually, he was rummaging [...]

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