Guest Post - Estate Planning

~ Posted on Friday, July 27, 2012 at 2:22 PM ~

Estate Planning
When it comes down to it, nobody wants to think about depressing or stressful subjects: when the next cycle of bill payments is due, how many days it is until the kids are on school holidays, or what to cook for the family’s next meal! With so many headaches in day-to-day life, it can sometimes be hard to cope when those big stresses pop up, like injuries, big bills that need to be paid, or even the discontinuation of your child support.

It may seem like you’re counting your chickens before the eggs have hatched, but estate planning is vital. Not only does it save your family undue stress, but it also takes a load off your shoulders as well – you won’t have to worry about how they’ll cope in the unlikely scenario that something bad may happen to you or your partner.

** Image credit: Google search


Here’s a few things you need to consider when you start to look at estate planning.

Will
A will is the most recognised form of estate division, outlining the payments of final debts and the allocation of assets. You’ll be relying on an executor to follow through with your wishes, although wills must go through a probate, which can be lengthy and expensive depending on where you live (the probate is a process where your will is tested to see if it is legally valid and all disputes are resolved).

Trust
Using a trust is like using a will for estate division; however, a key difference is in the fact that in a trust, the lengthy and expensive probate is avoided altogether. Instead of an executor, the title of the person in charge of managing your estate is the trustee.

Intestacy
In intestacy, the court will divide your possessions according to a formula provided by your state’s intestacy statute. This occurs when estate division is not specified, and can be one of the most emotionally and financially stressing situations for your family to dispute and resolve. You really want to avoid this because it will cause so much trouble for your loved ones.
While you can try estate planning by yourself, it’s probably best to go through this process with a professional. There are many potential disputes that may arise from vague conditions and oversights that will cause much undue stress to your family, and can result in the incorrect division of all of your life’s accumulated wealth – and in the end, it’s about making it easier for your family, not difficult.


** Article bio: Julia Smith was a full-time family lawyer, now full-time mum with several friends who have had issues with child support.

Website Review - Workingmums.co.uk

~ Posted on Thursday, July 26, 2012 at 5:20 PM ~

I recently had the opportunity to review this wonderful website which offers much more than job opportunities. I have to confess from time to time, I do check out websites like this, trying to find out whether there are any ways I can earn some side income while still remain as a SAHM to my 2 cheeky kids. So here goes my review for the website:

I'm a full-time mummy

Description from the product page:

"We work with hundreds of employers - from large corporate firms to small businesses, and have a large database of professional women seeking work in a wide variety of fields. Candidates register for free and can file their CVs, whilst employers pay a small fee to post their job on the site and contact candidates who match their requirements. There are also fantastic opportunities for employers to promote their brand, and their flexible working policies.

 Workingmums.co.uk also offers much more than job opportunities. Mums can also search for small business and self-employed opportunities in our Business-Zone and Franchise-Zone, where franchisors can seek to expand their brand by reaching thousands of potential franchisees. We also offer advice, news and working mums' blogs, in order to share news, views, experiences and information with working mums everywhere."

I'm a full-time mummy

I think this website is awesome as it connects women (such as us mums!) with opportunities to earn side income either by self-employed or small business opportunities or franchising options.

Not only that, this website is packed with tips and advice, and there are avenues to share news, opinions, experiences and information with working mums as well! Why don't I see this type of websites in Malaysia?!

As for the layout and navigation aspect of this website, I'll have to say I am satisfied with them and find it easy to navigate around and finding information I wanted. For example, to satisfy my curiosity, I tried searching for available jobs (to see what are the cool jobs being offered in the UK market) and I am happy to see the jobs offered being filtered by the working pattern (whether full or part time), contract type (such as permanent, temporary, etc), location, sectors and many more.

One thing I would recommend is for the company to include job opportunities to people from overseas (like me!) as well. For example job which only requires online presence such as filling up surveys, data entry etc will definitely attract more job seekers (like me!) and bring a win-win situation to all parties.

If you want to know more, check out workingmums.co.uk

I'm a full-time mummy

 All opinions expressed in this post are my own. Please do your own research, as your opinions may differ from mine.

** Disclosure: This post is in association with Workingmums. All thoughts, opinions and words are 100 % my own.

Mastering Her Finger Skills...

~ Posted on Thursday, July 26, 2012 at 7:24 AM ~

My 10 months old has been perfecting her finger skills! Ever since I get to review the Happy Baby Organic Puffs Sweet Potato with her, I noticed her finger skills improved tremendously!

Somehow I can't recall at what month Benjamin started being good at picking food and self-feeding himself but it is nice seeing Alyson happily picking along the food and stuffing it carefully into her tiny mouth!

Self-feeding

Also want to share a little observation we made on our 10 months old girl. She can actually shakes her head, shrugging herself away when she's done with her food, drinks or medicine. I started noticing this as few days ago, she had fever and I had to give her medicine every 4 hours and you can actually see her shaking her head while looking away not wanting to have anything to do with the medicine anymore! But if you pass her other things like her favorite puffs, she will happily open mouth to eat it!

Again, can't recall my boy doing this! Sigh... I've got memory problems, so better blog this down while I remembers all this milestones of my children!