"Please alert people to something we're experiencing right now - having to clean up the mess of someone not naming more than one person as beneficiary on a life insurance policy. We are having an impossible time trying to get the funeral expenses paid for my sister and my mother. They died within four days of each other, and they left each other as beneficiary of their life insurance policies.

'If the person listed as a beneficiary dies, the insurance benefit goes into their estate.

'The problem is, neither of them had a will, either."

(Aside: This means that both estates, the mother's and the daughter's, will have to be probated by the Court, and the Court will decide who gets what. The process can be lengthy, and it can be expensive. The family might not see the funeral money for a while.)

"Also, please alert people to be sure that the person they choose to be their medical decision maker - the person who has Medical Power of Attorney - is willing to do what they would want done. Review the mental capacity of the appointed person regularly.

'My 85 year old Mother couldn't bring herself to honor my sister's Living Will that said she wanted to be allowed to go. The doctor wouldn't write a letter stating Mother wasn't capable of making these decisions for my sister, who was in a coma.

'So, my sister was put on life support, even though there was no hope that she would ever awaken or live a productive life. She lingered for months on a ventilator.

'My family and I wish we had thought about all these things sooner. We are taking a closer look at our own papers now."

She is soooo right.

Life insurance is something we all tend to forget about. When you started that new job, you made out your employer's insurance beneficiary papers on the first day. Have you thought about them since?

What about your Medical and Financial Powers of Attorney (you do have them, don't you?). If you've designated your spouse on one or both, what happens if you're in an accident together? Is there a secod person named who can step in?

If you made arrangements for your children when they were babies, are there things you should change now thatthey're older? Now that several years have gone by, would you still appoint the same people to care for your children in the event of a catastrophe?

Do you have a will? If not, some stranger in a black robe is going to be making decisions for you one day.

What about your parents? If one of them has passed away, has the survivor made the necessary changes to legal documents?

If one parent is in poor health or getting confused, is he or she still the only one legally appointed to make decisions for the other?

This doesn't really have anything to do with your age. Everyone over the age of 18 should give some thought to these questions, and then take action. Should you do something about it right now, before something goes tragically wrong?

You Betcha!

A Short Wine Bars Summary

Plans Aren't Wine, And They Don't Always Age Well


The following crossed my desk recently. The author gave me permission to share her story:"Please alert people to something we're experiencing ...


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Recommended Wine Bars Items

Burg Layer Schlosskapelle Auslese


Auslese wines are made from selected late harvest grapes. Our Burg Layer was born in 2003, the year of the century for German Wines. If you enjoy the German wines, you will love this 2003 vintage. Give yourself the gift of the "Century Vintage" wines. The Auslese is a lively, sweet white wine. Make a meal out of a bottle with our Burg Layer Auslese, cheese, fruit and bread. Include it in a wine basket and surprise with a perfect gift someone you love! Serve very cold. GWBAW703 GWBAW703


Price: 27.95 USD



Wine Bars in the news

Wine prices go into the red (BBC News)

Sun, 16 Nov 2008 08:47:03 -0800
It is enough to make the super rich cough into their claret - prices of some of the world's most revered wines are falling sharply as the global downturn bites.

Afternoon exercise of franchise (Otago Daily Times)

Sun, 16 Nov 2008 08:22:42 -0800
It will not be necessary, we think, that we should impress upon the electors that the enjoyment by them of the franchise carries with it the obligation to record their votes at the polling booths to-day.

Into the red (BBC News)

Sun, 16 Nov 2008 08:06:21 -0800
Fine wine prices fall as economic woes hit the super rich

Fabled cables (San Diego Union-Tribune)

Sun, 16 Nov 2008 03:10:17 -0800
SAN FRANCISCO – Some 7.5 million people ride San Francisco's cable cars each year. Many of them board at Powell and Market streets, the famous turnaround site at the end of the line. Here tourists can snap pictures of workers manually swiveling the cars around to begin the route again.

Wine lovers defy recession to pay up to 40,000 dollars a bottle (EARTHtimes.org)

Sat, 15 Nov 2008 23:11:38 -0800
Hong Kong - Wine lovers from across Asia showed their love for a fine vintage is recession-proof when they bid up to almost 40,000 US dollars for each rare bottle, auctioneers said Sunday. One unnamed bidder bought three jeroboams of La Tache Vintage...

Twitter Taste Live: from sake to sherry, with Hahn in the middle

Sat, 15 Nov 2008 22:46:25 -0800
If you think that people who write about wine are all stuck up wine bores, you need to come on board and watch (or take part in) Twitter Taste Live, a live wine tasting event imagined by the folks at Massachussetts wine merchant Bin Ends Wine. A clever use of social media for marketing purposes, the TTL events are also just plain fun. Earlier this fall, I took part in one such event where Etienne Hugel, from the famous Alsace wine producer Hugel et fils, was the guest of honor as we tasted vario

Holiday wine values from Austin experts, round 2

Sat, 15 Nov 2008 10:56:15 -0800
As the holidays approach, WineEnabler.com is making every effort to keep you up to date on the best wine values available in Austin. In our last post, we presented wine suggestions from the Austin-area experts from The Austin Wine Merchant, Grapevine Market, and Central Market. This week we have wine selections from Molly Sheehan at Twin Liquors on Balcones and Jen Powell from Whole Foods on Lamar. Molly offers three white and red wine suggestions, and Jen offers three red. (more…)


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