We all have to make difficult but important decisions at various points in our lives. Like it or not, estate planning is one of such decisions.
As a result of the sentiments attached to it, the number of people that have not put their homes in order is alarming. You would think that the reality of the Covid-19 pandemic would get people doing the right thing.
Unfortunately, this is not the case and the narrative needs to change. People need to be educated about the adverse consequences of not planning their estate properly. For more on this subject, you can visit: https://www.sdfoundation.org/news-events/sdf-news/estate-planning-issues-during-the-covid-19
It is against this backdrop that this article will discuss the importance of hiring a financial advisor for this purpose. This is important as many people think they do not need more than an attorney for this purpose.
We will shed light on how using a financial advisor is beneficial as well. Everyone will gain a thing or two reading this article and so everyone is advised to keep reading.
What Is Estate Planning?
It is simply putting your home and properties in order so that things will not get complicated if/when you pass away. A critical part of this process involves dividing your asset among your loved ones to avoid controversies over who gets what in your eventual demise.
An estate planning attorney is the legal practitioner that is trained and licensed to oversee this entire process. This is especially because it has to do with a lot of legal documents and proceedings.
How a Financial Advisor Can Help with Estate Planning
Aside from the attorney, a few other professionals can help you come up with a bulletproof plan. We simply mean the sort that will not have loopholes that can be exploited and lead to complications in the long run.
Financial advisors are one of such and we consider them very important for this important process. Here are 2 reasons why this is the case:
They Make Up for the Lapses of the Estate Attorney
The task of this attorney is an enormous and sometimes time-sensitive one. Leaving out certain important things during the planning process can lead to untold damages in the long run.
This is why you need to engage the services of a capable financial advisor to cover up for the lapses of the attorney. The truth is that some of the possible lapses from the attorney are what we consider professional lapses.
This is because there are things necessary for the process that this professional is not trained to recognize. This is because the attorney is not professionally at a vantage point to recognize these issues.
However, financial advisors will not fail to spot them and address them. These attorneys are more into coming up with an estate plan structure. Financial advisors on the other hand, will ensure that the plan is functional. For more on this subject, you should check here.
To Avoid Taxation Problems Now and Later
There is a sense of responsibility that should come after you plan your estate. It is that sense of living for your beneficiaries and not only yourself.
This means that your actions, especially financial ones, should be informed by this sense of responsibility. You can imagine getting into an irrational business dealing and staking your estate that should be passed down, for instance. This is something that your financial advisor will call your attention to and try to talk you out of. The truth is that most attorneys are not trained to do this.
One of the major ways financial advisors help is also in the area of taxation. By not properly planning this area, you can end up leaving liabilities instead of assets for your beneficiaries. The financial advisor is trained in the area of taxation (amongst other things) and will put you through.
This professional will help you with estate planning in this regard. This is so that your beneficiaries do not have to battle with tax penalties or possibly losing the estate as a result.
We have discussed 2 very important benefits of engaging the services of a financial advisor for estate planning purposes. Considering that the legal practitioner is not armed with enough financial knowledge to handle this important process, we advise that hire a capable financial advisor.
Why Do the Majority of Car Accidents Take Place in Residential Areas?
One of the biggest killers in America is traffic. Road conditions, driving habits, and traffic volumes contribute to car accidents. These dangers are especially prevalent in residential neighborhoods. In fact, about half of all car accidents that happen in the country take place within a mile of home. This phenomenon is known as the “car crash suburbanization” effect, and it plays a significant role in why so many incidents happen where they do. According to the National Highway Traffic Safety Administration, the percentage of car accidents that happen close to homes is more than 1 in 4. In urban areas, this number can be even higher. This is because drivers are more likely to speed or drive distractedly when they know they are close to their homes.
Let’s explore further what causes car crashes in residential areas and how you can stay safer from these dangers.
The dangers of distracted driving are well-documented. After all, as we discussed above, they make up one-half of all car accidents that happen in the country. This is because distractions like phone use, texting, and eating are common while behind the wheel. 79% of drivers admit to regularly engaging in some form of distracted driving. People are often distracted when they reach their home street, leading to car accidents in residential areas.
Speed and Unsafe Lane Changes
In many cases, excessive speed is also a critical factor in causing car crashes. This is especially true when driving too fast in adverse road conditions. In terms of car accidents outside of residential areas, this issue often occurs in rural areas that lack traffic control. Excess speed also leads to unsafe lane changes. This is due to your decreased reaction time while driving. It’s easy to make a careless lane change when you’re in a hurry or simply not paying attention to the road. This is a significant cause of car accidents in residential areas.
Road Conditions and Weather
Bad road conditions and wet weather are also common factors in car accidents in residential areas. These two factors can cause dangerous car accidents anywhere, not just the residential area. Poor road conditions, for example, can lead to tire blowouts, which endangers you and other people on the road. Wet weather also plays a role in car crashes in residential areas due to the increased risk of hydroplaning. This happens when the tires are not sufficiently hydrophobic to keep them from sliding on wet roads. Bad weather conditions, like heavy rain or black ice, are the leading cause of car accidents in residential areas.
Bad Traffic Behavior
Finally, you should be aware that bad traffic behavior, like aggressive driving and excessive speeding, is also a significant cause of car accidents in residential areas. This is especially true when driving outside of your typical driving patterns.
As you can see, many potential causes of car accidents exist in residential areas. With this in mind, it’s vital to be aware of the dangers and practice defensive driving. This can help you stay safer on the road and limit the likelihood of being involved in a car crash.
Why Work With Legal Recruiters and How To Find the Best Ones
Legal recruiters are an invaluable resource for attorneys, paralegals, and legal assistants. They have the expertise to assist you in finding the right job or the perfect candidate for an open position.
Their industry knowledge can help you find a position to make the most of your skills and experience. Additionally, their connections can get you in front of hiring managers who might have yet to hear of you.
Why work with a legal recruiter?
Working with a legal recruiter offers many benefits if you’re a law firm or organization looking for top-notch candidates. The same is true if you’re a lawyer wanting to be part of a company’s legal team.
Advantages to the Job Hirer
Legal professionals are in high demand, and finding top-tier applicants suited to your company’s needs can be challenging. You need to find the right person fast to move your business forward. However, there’s so much competition for these positions that it could be an uphill battle.
Luckily, there is a solution: hiring with the assistance of a legal recruiter. With this, you’ll be able to focus on your business matters most. You can do this while still getting the best possible candidates. You’ll get access to experienced recruiters helping companies like yours find the perfect fit for their open positions.
Advantages to the Job Searcher
If you are a job searcher, you may need help figuring out where to start looking for new opportunities. You may know what kind of work you’d like to do. However, you may need to find exactly what type of firm or company is suitable for you.
You may need clarifications about the area of the legal profession you want to specialize in. You might also require some ideas on what would be best for your career.
Working with a legal recruiter can help take some guesswork out of this process. You will also have more control over your career path.
How To Find the Best Legal Recruiters
Finding the best legal recruiters can take time and effort, as many options are available. If you’re thinking about working with one, there are several things to remember.
Reach Out to Different Recruiters
You can reach out to different recruiters by using LinkedIn or other social media platforms. You can also ask your colleagues if they know any excellent legal recruiters.
It’s essential to check their credentials before you hire them. You can check their website and look at their testimonials from previous clients. You should consider them one of your top choices if they have many positive reviews.
Go for recruiters who listen intently to your needs, goals, and vision. Ensure that you’re on the same page to avoid misunderstandings and hiring issues along the way.
Consider Local Legal Recruiters
Local recruiters have a strong understanding of the local market. If you’re hiring, they can help you find the best candidates who can better serve your target market. A local lawyer recruiter will be able to tailor their search to your specific location and needs.
Local legal recruiters can also offer more personalized service than larger firms. They have easier access to a wealth of information about the law firm or company you’re interested in working for.
Request for References
Legal recruiters work with people and maintain various relationships. When you ask them for references, you’ll want to know more than just names and numbers.
Ask for clients who have recently worked with your potential recruiting partner. Call those people directly and ask about their experience working with the recruiter.
You’ll also want to talk to the recruiters about the process of finding candidates. Ask them about the length of time it took them to find candidates or whether they were successful in hiring.
Find What You Need With the Help of Legal Recruiters
Working with legal recruiters can save job seekers and hiring law firms time, money, and effort. These recruitment firms have qualified human resources who can fill positions in the hiring organizations.
Apart from that, these firms understand the local market. They know where to search for candidates to fill their applicant pool. With them, you’ll make hiring and selection decisions easier.
What to Look for in a Toronto Employment Lawyer
If you feel that your rights are being violated by your employer, or there is a recurring issue in the workplace that makes you uncomfortable, or you were recently terminated and was told that you were not entitled to any severance or that you are only legally entitled to what they gave you, you should start looking for the best employment lawyer for you.
It could take time before you feel comfortable with someone you trust but considering what’s at stake, you should not take chances you might regret later on. The lawyer-client relationship in employment law cases can last years, and they must have your full confidence. Here are the important things to look for when meeting with potential employment lawyers.
Lawyers are generally not shy about sharing their professional accomplishments and experience on their website bio pages. Many will include links to news articles they were quoted in, or that was about one of their cases, clips of their tv appearances, links to their most successful cases, etc.
Read through as much as you can, and look for cases that are similar to your own – keeping in mind that every case is unique, and it’s the small differences that often decide the outcomes. Note how far back those cases go and how recent their latest reported case was to help put their experience into context.
Keep in mind; however, that while experience is certainly important; it should not be the only factor you consider in your decision. If you walk into a consultation with your mind already made up, you might ignore warning signs that they are not the right fit for your case.
The topics you discuss with your employment lawyer can get personal. People depend on their jobs to support their families, so they are emotionally invested in what happens in the workplace and workplace issues can create understandably emotional situations.
Assessing how comfortable you feel around someone is more instinctual than analytical, so the best guide is how natural the conversation felt, that there was equal give and take, they listened to you and that they remembered what you told them during the conversation and referenced it when it was relevant to do so.
Remember that your comfort level applies to the lawyer’s firm as well. Some people prefer retaining a lawyer who works in a large, busy firm and others feel more comfortable meeting their employment lawyer in a small, quiet office. You may have to meet with your employment lawyer several times a year, so their location is also a factor.
First and foremost, if you meet with a lawyer, their fees should be completely transparent, and actually, the lawyer should make it a point of confirming with you that you understand their fees for service, exactly what you will and won’t be charged for when payments are due and how much – approximately – you might pay in total for various possible outcomes.
If you EVER meet with a lawyer, employment or otherwise, who doesn’t have structured fees or tells you that they don’t invoice clients to save them from paying taxes, do not hire this person and consider reporting them to the Law Society of Ontario.
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