SECURING YOUR ASSETS AND PROVIDING PEACE OF MIND Why You Need an Estate Plan
There are many myths surrounding estate planning, but without question, the most pervasive misconception is that estate planning is only for seniors and the ultra-wealthy. That’s not remotely true. Too many people put off estate planning until far too late in life. Now, we get that nobody wants to think about death or disability, but establishing an estate plan is one of the most important steps you can take to protect you and your loved ones. The first reason why you need an estate plan is pretty straightforward: You want to protect your stuff. If you own a home or have other valuable assets, you want to make sure they end up in the hands of your loved ones. Without proper legal documentation, untangling an estate can take years and cost thousands of dollars. A lack of planning can also lead to contentious family disputes. You deserve full say in how your assets are allocated, and an estate plan achieves this.
Estate plans don’t just protect objects. They also guarantee your wishes will be honored. If you are incapacitated due to illness or injury, you don’t want hospital staff making medical decisions on your behalf. Designating a trustworthy person with power of attorney will make sure a loved and trusted authority will have final say in any medical matters. Finally, an estate plan gives you peace of mind. You’ve worked hard to provide for your family, and you want to be sure that if something happens, they won’t be put in a bind. As Eleanor Roosevelt once said, “It takes as much energy to wish as it does to plan.” Put your energy to good use when it comes to protecting your family. At Merlino & Gonzalez, we’ve created an estate planning road map to put you on the path to security and peace of mind. Call us today to learn more.
SUDOKU
REFRIED BEAN POBLANOS WITH CHEESE MICHELE’S RECIPE CORNER
This vegetarian meal comes together in less than 15 minutes. It’s the perfect way to avoid takeout on a busy weeknight. • 4 medium poblano chilies, halved and seeded • 1 (16-ounce) can fat-free refried beans • 1 (8.8-ounce) pouch microwaveable cooked long- grain rice INGREDIENTS
• ½ cup picante sauce • 1 cup (4 ounces) pre-shredded reduced-fat 4-cheese Mexican blend • Chopped fresh cilantro (optional) halves. Cover with wax paper; microwave on high 2 minutes. 3. Uncover chilies, sprinkle each half with 2 tablespoons cheese, and microwave on high 1–2 minutes or until cheese melts. Sprinkle with cilantro, if desired.
DIRECTIONS
1. Place chili halves, cut sides
up, on a round microwave-safe plate. Cover with wax paper; microwave on high 3 minutes. beans, rice, and picante sauce in a medium bowl, stirring well. Spoon bean mixture into chili
2. While chilies cook, combine
3
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