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Reasons Not to Have an Estate Plan

We often hear from clients many reasons why they waited so long to draft their estate plans.

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We often hear the same reasons over and over as to why people don’t have an estate plan or haven’t gotten around to drafting an estate plan.

Some of the most frequent reasons and why they shouldn’t stop you from having an estate plan are:

  1. I don’t have enough money, property, etc. Estate planning is not just about assets. Estate planning is a way to protect your wishes, in the event of incapacity. If you have young children, estate planning allows you to choose their guardian, something should happen to you. Estate planning also allows you to direct medical and financial care, should you become incapacitated. Further, most people have more assets than they realize. Estate planning is for everyone, no matter the size of your estate.
  2. I’m too young, I’ll worry about it later. We hear this often. Unfortunately, life can change in an instant. No matter how old you are, you could be involved in an accident or have an unexpected health issue. It is essential to get documents in place to protect you. While your documents may change over time, having foundational documents in place will help you later on.
  3. I’m scared to talk about it. We understand. Talking about incapacity and death is not fun. However, once your estate planning is done, it will give you incredible peace of mind. It also allows you the ability to think about it and have documents in place before an emergency occurs. We help our clients have the difficult conversations and put their minds at ease with tailored solutions to their matters.
  4. I did it online. Online estate planning can lead to a lot of issues. Online documents may not be the correct documents for your state or situation. They might not be legal, if they are for a different state and may fail to have the appropriate language. They are also not likely tailored enough to help best protect your interests and your assets. Online estate planning can lead to lengthy and expensive probate battles.
  5. It’s too expensive. We know that estate planning comes with an upfront cost. However, this cost is much less than if your estate has to go through probate. It also allows you to make a plan for your assets, instead of letting the state decide where your assets go upon your death. Estate planning also provides you peace of mind by letting you decide who will get to make financial and healthcare decisions on your behalf. Good estate planning will help you protect your assets in regards to tax liability, future disputes and probate court costs. Upfront planning can save money in the long run.

None of the above reasons should keep you from completing your estate plan. It is always better to do an estate plan now, and update it in the future if need be.

We can help you determine what documents are best suited for your situation and help you get tailored language in place to protect you, your wishes, your family, and your assets.

Contact us today to help you get the right documents in place or to update your current estate plan. We will plan so that you don’t have to worry about your future.

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Dissertation writing services could be a difficult undertaking designed to demandtime and researching, and several other effort and hard work

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Buy Dissertation Online

It is really an excellent decision to buy dissertation online for pupils who wants to ensure they get the very best quality paper possible. It saves some time and allows students to pay attention to other important activities, for example, studying.

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The right way to buy a dissertation online is to find a reputable service with the proven history of delivering high-quality papers promptly as well as at a reasonable price. This way, you can be assured to get the help you will need to meet your universitys academic requirements and graduate while using the degree you deserve.

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The Top Online Dissertation Help Services

Whether you’re a masters or doctoral student, the task of writing your dissertation is undoubtedly an overwhelming experience. If you find yourself stuck with a topic, unable to source enough research material, or even if you’re just not feeling up to the task, it may be time to get professional dissertation help.

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Apple hikes Canadian prices for its Music and TV services

Apple Inc. says it’s raising the cost of its Apple Music and Apple TV Plus services in Canada.

The technology giant confirmed that prices for both services are going up in the range of $1 to $4 per month, depending on the services and the size of the package.

Apple Music’s base price for a single listener account will rise $1 to $10.99 per month, while access to the Apple TV Plus video streaming platform will jump $3 to $8.99 per month.

This is the first time Apple has hiked prices for its streaming services in Canada.

Passing on higher costs

The company says Apple Music’s price increase is tied to higher licensing costs for music.

The decision comes as many of the major streaming platforms look for ways to boost revenues amid inflation and the rising costs of film and TV production.

Similar price increases are being rolled out in other markets where Apple has a presence, including the United States.

Meanwhile, the price of Apple One, a bundled subscription package that adds Apple Arcade and iCloud storage, as well as news and fitness options, will go up in Canada by $3 or more.

Online writing jobs are an outstanding probability for writers who want an online job really being a freelancer

Conveniences of Online Writing Jobs

Online writing jobs are an incredible option for freelance writers who wish to work at their personal pace and set up their own unique schedule. You can get freelance writing job on job boards, freelance websites and thru your professional and personal networks.

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9. Its membership is $25 per thirty days and contains a 7-day money-back guarantee.

10. Its website is simple to operate and gives numerous types of writing job opportunities.

Whether youre in the market for writing about health and fitness, finance or DIY crafts, theres an online niche for everyone!

How to locate Freelance Academic Writing Jobs Online

If you are searching to have a career that permits you to do what you desire without bosses, then freelance academic writing jobs might be the right fit on your behalf. These jobs provde the freedom to choose and pick the projects which may be best for you, as well as offering a variety of possibilities to develop your abilities.

One of the best is that it can help you learn about new topics and expand your knowledge base, although

There are many reasons to consider a career in freelance writing. While working at this particular job, youll have the opportunity to analyze scholarly texts, that can unlock your world and allow you to follow your adoration for learning and reading.

The initial step to being a freelance academic writer is generally to register on several academic freelancing websites. These websites will give you a platform to market your market and services you to ultimately prospective buyers. They can be a great way to find academic writing jobs and get started building your portfolio.

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It is important to consider when getting started in such a field is almost always to always be transparent and honest with clients. It is essential to show them that you are specialized in their project so you can do everything possible to get the job performed correctly. You need to be ready to answer questions they have in regards to project as well as writing process.

Just what is Freelance Online Writing Jobs

As the freelance online writer, you can easily work for companies or people who need your knowledge of writing. You can actually write blogarticles and posts, pr releases, newsletters and better.

Freelance Online Writing is a terrific way to earn extra cash with no need to undertake the full-time job. Moreover it will provide you with the flexibleness setting your very own schedule.

The quantity you make as a general freelance online writer is based on your abilities, the particular writing you perform, along with client for whom you write. Some writers have quite a lot of experience and can also charge more to their work than the others.

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Finding the right Freelance Jobs Online

Freelance jobs are a fantastic way to make money while working from home as well as a remote location. They enables you to choose your own personal workschedule and hours, and pay rate. They usually provide you with a better work-life balance.

There are many methods to find freelancers online, including through social sites platforms, networking events, and Craigslist. Using these methods can help you build a network of projects and clients, but be careful to avoid scams.

The simplest way to look for freelancers online is from well-curated platforms, which can include ProWritersTime. This url has a smaller, more curated variety of vetted jobs, and has now less competition than larger marketplaces.

Just about the most main reasons of a particular freelancers industry is creating a portfolio of work to show potential customers. To achieve this, you have to have a professional-looking profile in conjunction with a portfolio of the previous work. You might also upload samples of your work and promote yourself on social networks platforms.

The leading challenge of becoming a freelancer is ensuring you earn money from your work when its due. This can be a struggle for new freelancers, but its something you can learn to negotiate as a pro.

As a good freelancer, you must be able to keep an eye on your taxes, invoices, payments received, and unfortunately your own health care policy. In addition, you need to manage your own retirement savings, which can be difficult if you arent used to the process of self-employment.

Freelance Writing – Content Writing Online Jobs

Content writing online jobs offer freelance writers a multitude of chances to work from your home. He or she can write blog articles, emails, product descriptions and reviews, website copy and better. The interest on this type of content doesnt may actually delay, so its a high quality starting place your freelance career.

ProWritersTime can be a site where you can get compensated to jot down content for clients in numerous industries, including media, finance, advertising and healthcare. You can create a profile and take a writing quiz to determine your skills before being matched with potential projects.

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Screenwriting is regarded as a growing sector of content writing that includes writers who craft stories for film, OTT and television platforms. This industry demands a strong know-how about the writing process as well as a good grasp of storytelling techniques.

Freelance writing to do this sector is fantastic for those people that enjoy telling a narrative through words and arent frightened of the creative factors of editing and proofreading. Its one more fun process to work from a home office.

Telehealth in 2023 – Rickard & Associates

Healthcare continues to utilize telehealth platforms for appointments and various services. This will continue into the new year, thanks to legislative updates.

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While telehealth continues to expand and change, there are several notable updates.

So what’s new?

In Michigan, the Governor just signed a bill allowing psychologists to use telehealth with clients in multiple states. They will be able to temporarily offer in-person services in other states.

Michigan entered the Psychology Interjurisdictional Compact (PSYPACT). While psychologists will not have to be licensed to practice in other states, they will need to pay a fee to offer services in other states.

Further, a bipartisan omnibus appropriations bill from Congress included a two-year extension for Medicare telehealth flexibilities. The bill will be voted on shortly.

Overall the trend of supporting and encouraging the expansion of telehealth continues. However, this could change at any time.

If you are thinking of offering telehealth services, or if you already offer these remote services, it is essential that you stay up to date on current regulations.

We help our clients stay aware of changes to relevant regulations that impact their practices.

No matter the regulations, we encourage our practices to utilize the best technology available to them to protect their telehealth services.

Privacy and security are of the upmost importance when offering remote care. Patients need to know that their information is protected and their appointments are secure.

Your staff must be trained so that they understand that telehealth appointments and procedures should be as secure as in-person visits.

If you have questions or need help with your healthcare practice’s legal needs, contact Rickard & Associates today.

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We publish vital information on health law topics and news every Wednesday and Friday. To get this important information delivered directly to your mailbox, subscribe today!

Do you need help updating your Business Associate Agreement or negotiating contracts with third-party vendors? We can help. To contact us about your Business Associate Agreement, your vendor contracts or your other legal needs, call us today.

Slow December sales cap transition year for LI housing market

The Long Island housing market slogged through another disappointing month in December, capping off a year of transition for the residential real estate industry.

As had been the case for most of 2022, home sales slowed down, and home prices continued to retreat again last month.

There were 1,583 Long Island homes contracted for sale in December, down 14 percent from the 1,846 pending sales of the previous month and a drop of 34.4 percent from the 2,414 homes that were contracted for sale in Dec. 2021, according to preliminary numbers from OneKey MLS.

The number of Long Island home sales in December was the lowest number of December home sales in the last nine years.

Home sales on Long Island have seen year-over-year declines since the overheated pandemic market began to cool in the second half of 2021. There were 28,214 homes contracted for sale in Nassau and Suffolk counties in 2022, a nearly 21.5 percent drop from the 36,065 pending sales in 2021.

The meteoric rise in Long Island home prices that was propelled by the pandemic-fueled buying frenzy has come back down to earth. The median price of closed home sales in Nassau last month was $652,500, down from $668,000 the previous month and the lowest median price since last March.

In Suffolk, the median price of closed home sales in December held steady at $545,000, the same as the previous month, and the lowest median price since April’s median of $540,000.

While prices have been sliding back, they remain higher than a year ago, if only barely. Nassau’s median price of closed home sales last month was just 1.2 percent higher than the $645,000 median recorded in Dec. 2021. Suffolk’s median price of closed home sales last month was 3.8 percent higher than the $525,000 median recorded in Dec. 2021.

While current mortgage rates are averaging about 6.5 percent for a 30-year fixed loan and nearly double what they were a year ago, they haven’t caused big drops in home prices because of the still-low inventory of homes for sale here.

There were 5,154 homes listed for sale with OneKey MLS—2,374 in Nassau and 2,780 in Suffolk—as of Thursday, which is down 14.4 percent from the 6,025 homes that were listed for sale at the end of November. But the current inventory is also 17.3 percent higher than the 4,394 homes that were listed for sale at the end of Dec. 2021.

“In 2023, we expect a more normally paced market without the buying frenzy prompted by the pandemic and rock-bottom mortgage rates of the previous two years,” Deirdre O’Connell, CEO of Daniel Gale Sotheby’s International Realty, said when asked about her outlook for the coming year. “With many homeowners locked into very low-rate mortgages, many are not in a rush to move, which is adding to the limited number of available homes on the market.”

Can You Get Your PHI Back?

If you had concerns about your healthcare data in the hands of your vendors, what do your contracts say in regards to getting that data back?

A recent court case required a healthcare vendor to return data to the healthcare entity.

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CommonSpirit Health hired Emerge Clinical Solutions to process and archive protected health information in 2021.

However, CommonSpirit Health began experiencing issues with the data extracts and was unable to reach anyone at Emerge Clinical Solutions.

Healthcare entities need to ensure that their vendors are reliable and often, technology companies can change ownership, structuring and more very quickly.

Because of this, it is essential to learn from situations like the one CommonSpirit Health found itself in, and make sure your contracts offer as many protections as possible.

When entering a new relationship with a vendor that will have access to your protected health information (“PHI”), consider the following:

  1. What safeguards are they contractually required to have in place? Does your contract specify appropriate privacy and security protections? If not, you may want to revisit the contract and list out stronger requirements.
  2. How much access will they have to PHI and are you able to remotely terminate their access? The more access and control they have, the higher your standards should be for protecting your practice’s PHI.
  3. What do their audit logs look like? Can you see a sample audit log in advance? How often will they provide audit logs? You may want to consider what you would need from an audit and make sure they are able to provide your requests.
  4. Are they able to assign the contract to another entity? You should be aware of the assignment provisions in any contract you enter into and if they are able to assign, know what your rights are in regards to notice and termination.
  5. What recourse do you have if you have concerns? Are there remedies built into the contract? Are you able to get an injection? Know what your contract allows as far as Remedies.

When researching vendors, make sure that you are comfortable with the vendors, your contact personnel at the vendors, and your contract.

Make sure your business associate agreements are up to date with all vendors.

If you need help with your healthcare contracts, contact us today.

If you have questions or need help with your healthcare practice’s legal needs, contact Rickard & Associates today.

We know you’re busy. Subscribe to our blog to get updates and news sent directly to your inbox!

We publish vital information on health law topics and news every Wednesday and Friday. To get this important information delivered directly to your mailbox, subscribe today!

Do you need help updating your Business Associate Agreement or negotiating contracts with third-party vendors? We can help. To contact us about your Business Associate Agreement, your vendor contracts or your other legal needs, call us today.

Musk posts video of himself strolling into Twitter HQ – Business News

Tom Krisher And Matt O’brien, The Associated Press – | Stories: 392791

Elon Musk posted video Wednesday showing him strolling into Twitter headquarters ahead of a Friday deadline to close his $44 billion deal to buy the company.

Musk also changed his Twitter profile to refer to himself as “Chief Twit” and his location as Twitter headquarters, which is based in San Francisco. The video showed him carrying a sink through a lobby area.

“Entering Twitter HQ – let that sink in!” he tweeted.

A court has given Musk until Friday to close his April agreement to acquire the company after he earlier tried to back out of the deal. Neither Musk nor Twitter has said if the deal is closed yet.

Despite Musk’s splashy entry to headquarters, it wasn’t clear yet whether his purchase of Twitter had been finalized. Twitter confirmed that Musk’s video tweet was real but wouldn’t comment further. Alex Spiro, Musk’s lead lawyer, didn’t immediately return a request for comment.

The Washington Post reported last week that Musk told prospective investors that he plans to cut three quarters of Twitter’s 7,500 workers when he becomes owner of the company. The newspapers cited documents and unnamed sources familiar with the deliberation.

One of Musk’s biggest obstacles to closing the deal was keeping in place the financing pledged roughly six months ago.

A group of banks, including Morgan Stanley and Bank of America, signed earlier this year to loan $12.5 billion of the money Musk needed to buy Twitter and take it private. Solid contracts with Musk bound the banks to the financing, although changes in the economy and debt markets since April have likely made the terms less attractive. Musk even said his investment group would be buying Twitter for more than it’s worth.

Less clear is what’s happening with the billions of dollars pledged to Musk by investors who would get ownership stakes in Twitter. Musk’s original slate of equity partners included an array of partners ranging from the billionaire’s tech world friends with like-minded ideas about Twitter’s future, such as Oracle co-founder Larry Ellison, to funds controlled by Middle Eastern royalty.

The more equity investors kick in for the deal, the less Musk has to pay on his own. Most of his wealth is tied up in shares of Tesla, the electric car company that he runs. Since April, he has sold more than $15 billion worth of Tesla stock, presumably to pay his share. More sales could be coming.

Musk’s flirtation with buying Twitter appeared to begin in late March. That’s when Twitter said he contacted members of its board — including co-founder Jack Dorsey — and told them he was buying up shares and was interested in either joining the board, taking Twitter private or starting a competitor.

Then, on April 4, he revealed in a regulatory filing that he had become the company’s largest shareholder after acquiring a 9% stake worth about $3 billion.

At first, Twitter offered Musk a seat on its board. But six days later, CEO Parag Agrawal tweeted that Musk would not be joining the board after all. His bid to buy the company quickly followed.

When Musk agreed to buy Twitter, he inserted a “420” marijuana reference into his price of $54.20 per share. He sold roughly $15 billion worth of shares in Tesla to help fund the purchase, then pulled together commitments for billions more from a diverse group of investors including Silicon Valley heavy hitters like Oracle co-founder Larry Ellison.

Inside Twitter, Musk’s offer was met with confusion and falling morale, especially after Musk publicly criticized one of Twitter’s top lawyers involved in content-moderation decisions.

In July, Musk abruptly reversed course, announcing that he was abandoning his bid to buy Twitter. His stated reason: Twitter had not been straightforward about its problem with fake accounts he dubbed “spam bots.” Twitter sued Musk in the Delaware Chancery Court to force the deal through. Two weeks before a 5-day trial was scheduled to begin, Musk changed his mind again, saying that he wanted to complete the deal after all.