life planning http://www.wisebread.com/taxonomy/term/12220/all en-US 3 Stellar Reasons to Hire a Life Coach http://www.wisebread.com/3-stellar-reasons-to-hire-a-life-coach <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-stellar-reasons-to-hire-a-life-coach" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/iStock_000004449453XSmall.jpg" alt="Coaching session" title="Coaching session" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>The world is awhirl in a sea of amazing, scary, and sometimes seemingly incomprehensible changes. In times like these, sometimes it seems like there just aren&rsquo;t any good options. You don&rsquo;t know where to turn or what to do. Or you&rsquo;re whizzing around in a whirlwind of activity, but nothing&rsquo;s clicking. It&rsquo;s totally frustrating every single way you look at it.</p> <p>But this could be the best time to completely overhaul your life, or even just a part of your life that you just don&rsquo;t like. You could implement a career change, learn a new skill, or even embark on a personal health plan that could change not only your health, but your whole perspective on life.</p> <p>Of course, you can do all of this on your own or with the help of friends. But sometimes your friends are overbooked or unable to understand what you want to do, or you just don&rsquo;t want to burden the people around you with your life change. Or you could know you want to do something different but are stumped on what that something is. That&rsquo;s when it&rsquo;s time to seek professional help.</p> <p>An outside perspective can help you identify your strengths, pursue your passions, and start down a new path or create a new way of doing what you&rsquo;ve been doing, only better. A good life coach can offer you:</p> <h2>Objectivity</h2> <p>Life coaches are usually someone outside your normal network of friends, family, and colleagues. They may know you in passing, but they aren&rsquo;t deeply entrenched in your life. Since they can view your life from a different perspective, they can offer you fresh ideas or perceptions about what you might want to do. Or they can ask you just the right questions to help you think about your life and your options in an unusual way.</p> <h2>Support</h2> <p>Your life coach wants you to succeed. No matter what you&rsquo;re doing, whether it&rsquo;s changing your career, starting a new exercise program, or working through relationship issues, a life coach is all about helping you build the life you want. Their job is to support you and help you go where you want to go. They&rsquo;re not going to fluff things up or lie to you if something seems off, but they are going to help reinforce the steps you&rsquo;re taking to reach your new goals.</p> <h2>Accountability</h2> <p>Your life coach is like a running partner who sets a date with you. If you don&rsquo;t show up, or show up without your shoes, or call five minutes after the time you set to say you can&rsquo;t make it, they&rsquo;re going to call you on your behavior while at the same time reminding you of what your true goals are. They&rsquo;re also right there with you looking at your inner demons and obstacles and then giving you the tools you need to overcome them.</p> <p>For anyone ready to make some real changes, finding a good life coach can be a key to a new beginning in life or to reshaping the life you have to fit who you really are. And with the new year fast approaching, why not treat yourself or someone you love to a session or two with a good life coach?&nbsp;</p> <a href="http://www.wisebread.com/3-stellar-reasons-to-hire-a-life-coach" class="sharethis-link" title="3 Stellar Reasons to Hire a Life Coach " rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/sasha-a-rae">Sasha A. Rae</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/topic/life-hacks/personal-development">Personal Development articles from Wise Bread</a>.</div></div> Personal Development achieving goals life coaching life planning Thu, 18 Nov 2010 14:00:09 +0000 Sasha A. Rae 306957 at http://www.wisebread.com Do You Need an Estate Plan? http://www.wisebread.com/do-you-need-an-estate-plan <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/do-you-need-an-estate-plan" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/420816_99422477%20%281%29.jpg" alt="All My Riches" title="All My Riches" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>Say the words &quot;estate planning&quot; and what typically comes to mind are extravagant estates worth millions of dollars. Estate planning is for celebrities and the very wealthy, right? I &nbsp;mean, the average working guy or gal can make do with a standard do-it-yourself Will.</p> <p>Well, not necessarily.</p> <p>One of the benefits of being a freelance writer is that I get to work with a variety of different clients on a variety of different topics. And in the process, I learn quite a bit about subjects I had never explored before, estate planning being the latest.</p> <p>What I found is that estate planning is much more than just divvying up your coin collection and jewelry. Quite the contrary, there are a number of issues that a good estate plan can address.</p> <p>A living trust for example, can provide you with a way to offer incentives to your heirs for personal accomplishments. Want to ensure your son or daughter goes to college? Make that a condition of receiving their distributions. Want to teach your children the importance of carving out their own place in the world instead of just relying on their inheritance? A trust allows you to do that as well.</p> <p>You can also use a trust to provide for disabled dependents without affecting their eligibility for government assistance programs, and depending on how you structure your trust, you can ensure that your assets stay in the family, even in the face of taxes or a divorce.</p> <p>Heck, there's even a specialized trust to protect your pets after you're gone.</p> <p>A financial Power of Attorney allows you to designate someone to speak on your behalf if you become disabled or incapacitated and are unable to handle your own affairs. A Healthcare Directive provides the same protection in regard to your healthcare and medical decisions.&nbsp;</p> <p>But estate planning doesn't stop there and this is what really won me over.</p> <p>A good estate plan also encompasses all the non-financial aspects of your life, like the old photo album in the top of your closet, grandma's quilt that lies at the foot of your bed, the tapes you made of Great Aunt Ethel's family stories and all the memories and knowledge that up until now, you've been carrying around in your head.</p> <p>In short, creating an estate plan is about leaving a legacy...not just a few bucks and the deed to the house.</p> <p>That's all well and good you say, but I don't have enough of an estate to worry about.&nbsp;</p> <p>Are you sure?</p> <p>The problem with not having an estate plan is that you're still going to pass on someday. And when you do, the courts will step in and make all these decisions for you. That means that if property needs to be sold to pay creditors or taxes, you won't have a say over which property is used to cover those expenses. And someone must oversee the distribution of all your belongings, a process known as &quot;probate.&quot; If you haven't designated that person yourself, then the court will make the designation for you and there's no guarantee you'll agree with their choice or the way your belongings are divided among your heirs.</p> <p>Of course, by then, it would be too late to do anything about it.</p> <p>Now, I know that no one likes to think about a time when they're no longer around but the truth is, it will happen whether we're ready or not. And I've realized that when that day comes for me, my kids will need to know where the important documents are. They'll need to know that I have life insurance and savings accounts as well as journals I've created for them over the years and keepsakes that are stored in my great-grandmother's hope chest. Personally, I kind of like the idea of taking care of things before I go...after all, that's what Moms do, isn't it?</p> <a href="http://www.wisebread.com/do-you-need-an-estate-plan" class="sharethis-link" title="Do You Need an Estate Plan?" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/kate-luther">Kate Luther</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/topic/personal-finance">Personal Finance articles from Wise Bread</a>.</div></div> Personal Finance Family estate planning life planning taxes Tue, 15 Jun 2010 13:51:40 +0000 Kate Luther 126252 at http://www.wisebread.com