Attorney-at-Law Definition

attorney-at-law noun

plural attorneys-at-law

Definition of attorney-at-law

: a practitioner in a court of law who is legally qualified to prosecute and defend actions in such court on the retainer of clients

Synonyms for attorney-at-law

Synonyms

advocate, attorney, counsel, counselor (or counsellor), counselor-at-law, lawyer, legal eagle

First Known Use of attorney-at-law
1702, in the meaning defined above

Learn More about attorney-at-law

Dictionary Entries near attorney-at-law

atto-

attorn

attorney

attorney-at-law

attorney general

attosecond

attour

Time Traveler for attorney-at-law
The first known use of attorney-at-law was in 1702

More Definitions for attorney-at-law

attorney-at-law noun

plural attorneys-at-law

Legal Definition of attorney-at-law

: LAWYER

— compare ATTORNEY-IN-FACT

Four Things to Know About Mesothelioma Commercials

Four Things to Know About Mesothelioma Commercials

A mesothelioma television commercial is often the first introduction most people have to this rare and aggressive cancer caused by exposure to asbestos.

The commercials usually start with: “If you or a loved one was diagnosed with mesothelioma” The information that follows is almost always about reaching a lawyer regarding a potential legal claim.

While these commercials help raise awareness about the disease, they often leave viewers with unanswered questions:

– Can any attorney represent mesothelioma patients?

– What are asbestos trust funds?

– How do mesothelioma lawyers get paid?

– Why do people with mesothelioma have to call now?

Malignant mesothelioma is unique among medical conditions.

It is a deadly cancer caused almost exclusively by manmade asbestos products. Those who manufactured these products and the companies that used them often knew asbestos was toxic to humans, but didn’t warn workers or their families.

Because of the negligence of these companies, those affected by asbestos products seek attorneys who can handle complex asbestos-related cases, which leads to the television advertisements for mesothelioma lawyers across the country.

Can Any Attorney Represent Mesothelioma Patients?

The short answer is no.

Mesothelioma presents unique challenges in the legal sense, even for experienced injury attorneys.

There is no easily identified single act or occurrence immediately evident because exposure to asbestos may have occurred 20, 30 or 40 years before diagnosis, making it difficult to trace.

Law firms that regularly handle these types of cases work with their clients on work history and witnesses to gain a better sense of determining the exact moment of exposure and the company or employer responsible.

Asbestos Trust Funds

Companies that manufactured asbestos products or companies in which employees worked with asbestos products are generally liable for causing the disease because they failed to warn employees as part of an industrywide asbestos cover-up.

Many of these negligent companies filed for bankruptcy reorganization and are protected from lawsuits, but the U.S. government required them to create asbestos trust funds with enough money to pay a portion of the asbestos claims.

People injured by these companies can file an asbestos bankruptcy claim, which is not a lawsuit, against one of these trusts. Once a claim is filed, trustees who manage the asbestos trusts will determine the amount of compensation based on certain categories, levels of disease and medical criteria.

There are more than 50 asbestos trusts today with an estimated $30 billion in assets designed to compensate those harmed by asbestos.

How Do Mesothelioma Lawyers Get Paid?

Mesothelioma lawyers work on a contingency fee basis.

That means their clients pay nothing until they receive compensation from various asbestos trust funds or companies sued. Clients also pay nothing if the attorneys do not recover anything for the client.

Total compensation will vary depending upon the diagnosis, the companies responsible, the medical history of the patient, where the claim is filed and other factors.

The amounts can range from just enough to cover medical expenses to millions of dollars.

Why Do People with Mesothelioma Have to Call Now?

There’s a reason viewers are told “Don’t wait. Call the number on the screen now.” That’s not an overstatement.

The statutes of limitation will vary from state to state, usually ranging from one to five years from the date of diagnosis to file your claim. If you wait too long, it could be too late.

The average life expectancy for a person with mesothelioma ranges from 12 to 21 months after diagnosis. That’s why timing is critical.

Family members of a person who already died of the disease will have much the same rights. Even after a patient dies, the family can file a claim and receive compensation, provided it is within the statute of limitation.

It’s important to understand that commercials about mesothelioma lawyers help raise awareness of the disease among possible victims and their family members, but it’s also crucial to have all the information about this rare disease before contacting an attorney.

Mesothelioma Lawsuit

After a mesothelioma diagnosis, it is natural for a person to focus only on their health. But if you or a loved one is diagnosed with an asbestos-related disease, you should consider contacting a mesothelioma lawyer immediately.

Mesothelioma is an almost entirely preventable cancer. Many companies who produced, distributed or used asbestos products knew of its dangers and failed to warn their employees. Filing a lawsuit can help those diagnosed with mesothelioma get the compensation they deserve.

A qualified mesothelioma attorney can help you decide whether to pursue a lawsuit and guide you through the process. The right asbestos attorney can help you file your claim before the statute of limitations expires. They will evaluate your case so you can receive the maximum compensation.

Most mesothelioma lawsuits never go to trial because they are settled out of court before the trial takes place.

Primary Types of Mesothelioma Lawsuits

Personal Injury Claims

A person diagnosed with mesothelioma can file a personal injury lawsuit against a company responsible for exposing them to asbestos.

Wrongful Death Claims

If a mesothelioma patient files a lawsuit but passes away before it’s resolved, their loved ones may be able to step in as plaintiffs. Family members may have the option to file their own wrongful death claims. This can provide compensation to assist with medical bills, funeral expenses and loss of income.

Common Questions About Mesothelioma Lawsuits

Q: How Long Does a Mesothelioma Lawsuit Take?

A: The legal process for an asbestos-related lawsuit depends on the health of the plaintiff. If you are in poor health, the entire process can be expedited. If there is no urgency, the process could take several months or longer. In either case, the defendant probably will try to drag out the process. Your attorney will work to resolve your case as quickly as possible. They will handle each step so you can focus on your health and spend time with your loved ones.

Q: Will I Need to Travel?

A: The location where you file can affect the length of the case process. Your attorney will help you choose the best jurisdiction for your case. It may be necessary to file outside the state where you live. You typically will not need to travel. Mesothelioma attorneys can often handle the entire case process and travel to you when necessary.

Q: How Much Do Mesothelioma Lawyers Charge?

A: Most mesothelioma lawyers work on a contingency fee basis. This means your attorney only gets paid if you agree to a settlement or win your lawsuit. When you settle or win a case, a percentage of the award will be paid to your lawyer. If not, you pay no attorney fees.

Choosing a Mesothelioma Attorney

The first step in a successful filing process is choosing an attorney. If you worked for a large corporation that closed or is bankrupt, funds were likely set aside to help pay medical and related expenses for mesothelioma patients.

A mesothelioma attorney is knowledgeable about these funds and will help you file a claim. In addition, a mesothelioma attorney is familiar with asbestos manufacturers and will determine who is responsible for your suffering.

When you talk to the asbestos attorney, be prepared to discuss past employment, health history and current health status. It is very important to hire a lawyer you feel comfortable talking to.

Mesothelioma Lawsuit Process

While everyone’s case is different, there are certain steps that apply to nearly everyone who files an asbestos-related lawsuit. Your attorney will handle each of these steps and explain the process along the way.

For the most part, mesothelioma lawsuits follow these steps:

Preparation

Your attorney will gather information about your history of asbestos exposure to determine who is responsible for your condition and where to file your lawsuit. You may be eligible to file your lawsuit in more than one jurisdiction.

Filing

Your lawyer must file a written complaint with a court to start the legal process. Your attorney will prepare and file this document. For your case to move forward, your complaint must follow different court rules on how the document is written and the details it provides about your claim. An experienced attorney will be familiar with these rules and use this knowledge to help present your claims to the court.

Responses

Each defendant in your lawsuit will receive a copy of your complaint. They will have a certain amount of time — usually 30 days — to respond. Because many years have likely passed since your asbestos exposure, the responsible company could now be a different company or could be bankrupt. It may take some time to locate and provide the appropriate people with your complaint. Your attorney will oversee this process. Defendants rarely admit fault. They most likely will deny your claims and argue that your complaint is not valid or that someone or something else is responsible for your exposure to asbestos. They may even claim that your condition is not related to asbestos exposure. Don’t worry. This is normal. Your attorney will reply to each defendant’s responses.

Discovery

Lawyers on both sides gather information about your allegations, asking the other side to answer written questions, produce documents and participate in depositions. Some of the information will become the evidence used at trial. Discovery may take several months, but if you are very sick, your attorney can ask the court to speed the process along before your condition worsens. The defendant’s lawyers will look for evidence that something or someone else caused your illness. They will demand personal information about you such as your medical history, work history and information about your personal habits. They may also seek information from your loved ones, doctors, co-workers and former co-workers. You probably will need to participate in a videotaped deposition. If so, you will answer questions under oath from the defendant’s lawyer. This process may take a few hours or several days, but it often can be performed from the comfort of your own home. Your attorney will prepare your responses to any written questions and document requests. Your lawyer will also go over likely deposition questions with you in advance and assist you during the deposition. In addition to helping you respond to discovery requests, your lawyer will make similar demands for information supporting your claim that the defendant negligently exposed you to asbestos.

Settlement

Before a trial starts, a defendant may offer to resolve the case by offering you money. If you decline the settlement offer, it’s possible the defendant will make another offer during trial. Your attorney will negotiate on your behalf. Mesothelioma settlements vary on multiple factors and can influence your decision whether to go to trial.

Trial

The trial process varies depending on where you file a claim. In many cases, it is not necessary for you to appear in court. If you win and the defendant does not appeal, you will usually start receiving payments a few months after the trial.

Appeal

If you win the trial, the defendant may decide to file an appeal. There is a limited amount of time to file an appeal, usually between 30 and 180 days. This will delay any monetary award, but the defendant will need to post “bond” for the amount awarded while the appeal proceeds. If the defendant loses its appeal, you will start receiving payments. If the appeal is successful, the defendant may end up paying a smaller amount or nothing at all. An appeals court generally accepts any facts the trial judge and jury found to be true. Usually the only thing an appeals court decides is whether the trial court correctly applied the law to the case. If a mistake was made that affected the result of the trial, the appeals court may order a new trial. Sometimes the appeals court can just correct the mistake without a new trial such as when the amount of the award was calculated incorrectly. If your case is appealed, your attorney will be available to explain the process to you.

What to Expect from Defendant Responses

Once you file your claim, be prepared for defendants to deny fault for your medical condition. They may allege that

– Smoking, drinking or drug use caused your health problems.

– Your family history shows significant health problems among relatives.

– You worked at other places where asbestos was a bigger problem.

– You have not been properly diagnosed by a medical professional.

– The petition was not filed correctly, even if it was filed on time.

– Exposure to asbestos and other toxic substances happened at home or elsewhere, not just at work.

– You do not have the authority to file a wrongful death lawsuit on behalf of the deceased.

– Your medical condition is not related to asbestos exposure.

Don’t take these allegations to heart; just let your attorney handle them. Defendants may also include a settlement request in their response, but this is rare. Companies may be willing to settle right away in order to avoid a lengthy and costly lawsuit. However, this first settlement offer may be very low. Expect to wait until closer to trial, or even during the trial itself, to receive a reasonable offer.

History of Asbestos Litigation
Asbestos litigation is considered the longest-running mass tort in U.S. history, dating to the late 1960s.

1964
Doctors Prove Asbestos Causes Lung Damage & Disease
The medical findings of Drs. Irving J. Selikoff, Jacob Churg and E. Cuyler Hammond proved conclusively that asbestos caused lung damage and disease.

1965
Tort Laws Pave Way for Asbestos Litigation
A 1965 publication by The American Law Institute of the Restatement of the Law of Torts stated in section 402A that anyone “who sells any product in a defective condition unreasonably dangerous to the user or consumer or to his property is liable for the harm caused by that product to the consumer or end user.” It also explained this would not include unsafe products as long as they were “accompanied by proper directions and warning.” The court decided asbestos manufacturers knew the dangers of asbestos exposure but failed to appropriately warn asbestos workers. This opened the floodgates for asbestos-related lawsuits.

1966
First Asbestos Products Lawsuit Filed
Claude Tomplait was diagnosed with asbestosis in July 1966. Attorney Ward Stephenson filed the first asbestos products lawsuit on Tomplait’s behalf in December 1966. The defendants were 11 manufacturers of asbestos insulation products, including Johns Manville, Fibreboard Paper Products and Owen Corning Fiberglass. The case went to trial on May 12, 1969. The verdict came a week later, and it was in favor of the defendants.

1969
Borel v. Fibreboard Paper Products
In October 1969, Stephenson represented one of Tomplait’s co-workers, Clarence Borel. He developed an advanced case of asbestosis while working in the shipyards and oil refineries along the Texas-Louisiana border. Stephenson once again filed a lawsuit, seeking $1 million in damages, against numerous asbestos manufacturers across the U.S. This time, the result was different.

Borel v. Fibreboard Paper Products Corporation was decided for the plaintiff in 1973 in the amount of $79,436. Unfortunately, Borel never heard its final disposition from the U.S. Court of Appeals, Fifth Circuit. He died of mesothelioma in June 1970.

1980 – Present
Asbestos Tort Litigation Continues to Grow
Buoyed by the success of Borel v. Fibreboard, asbestos workers chose to use tort litigation to obtain compensation for their injuries. Although there is no national registry for asbestos personal injury claims, independent reports show asbestos litigation has grown significantly in the U.S. during the past several decades.

The RAND Institute for Civil Justice began analyzing asbestos litigation in the early 1980s. Approximately 730,000 people in the U.S. filed compensation claims for asbestos-related injuries from the early 1970s through the end of 2002. It cost businesses and insurance companies more than $70 billion.

The total number of companies sued jumped from 300 to 8,400 between 1982 and 2002.

As of 2013, the number of asbestos defendants had grown to more than 10,000 companies. A 2016 report from Kansas City Industrial Council showed there were 4,465 unique filings in 2015. An average of 69 defendant companies were named in each lawsuit.

The highest number of companies named on one complaint was 361, while only 12 lawsuits named one defendant.

Notable Asbestos Lawsuit Verdicts

Hundreds of thousands of people have filed mesothelioma lawsuits to seek compensation from companies that negligently exposed them to asbestos. Compensation from lawsuits helps reduce financial hardships during an illness and provide a more stable future for loved ones.

$250 million
A retired U.S. Steel worker from Indiana won a 2003 mesothelioma trial after alleging U.S. Steel was responsible for exposing him to asbestos insulation for decades. The company was expected to appeal the $250 million verdict, but instead settled out of court for an undisclosed amount.

$115 million
In 1998, a Texas jury awarded $115 million to 21 steelworkers. They developed asbestosis while working around an asbestos-containing grinding wheel at an Alabama steel mill. The grinding wheel manufacturer, Carborundum Company, was ordered to pay $100 million in punitive damages.

$48 million
In 2012, a jury awarded $48 million to construction worker Bobbie Izell. He was exposed to asbestos on construction sites in the 1960s and 1970s and diagnosed with mesothelioma in 2011. Construction remains one of the top professions for asbestos exposure.

$18.6 million
A Dallas County jury awarded $18.6 million in 2014 to the family of a tire builder who died of mesothelioma. The employee was repeatedly exposed to asbestos over 30 years while working with Goodyear Tire & Rubber Co. machines at a plant in Tyler, Texas.

What Should You Expect from a Mesothelioma Lawsuit?

Although most mesothelioma lawsuits follow a similar process, every case is different.

Results depend on your history with asbestos exposure, the state where the lawsuit is filed, your medical history and other factors.

Going to trial is rare. Even if a case does go to court, you may not be required to appear.

Settlements and trial verdicts vary depending on the case. While verdicts may produce more compensation, settlements typically award claimants quicker. This can help pay for cancer treatments and other bills.

An experienced mesothelioma attorney can simplify the process and build your case so you and your family can get the compensation you deserve.

Mesothelioma Law Firm Directory

Mesothelioma Law Firm Directory

Mesothelioma Lawyers

Originally hailed as an uncommonly useful material used in a variety of applications to make things lighter, stronger, fire resistant, more flexible, and other desirable attributes, we know now that asbestos is a profoundly hazardous substance that causes many health problems. One of the most well-known diseases caused by exposure to asbestos is mesothelioma and it affects over 2,000 people each year in the U.S. and many thousands more throughout the rest of the world.

Sadly, it is estimated that millions of people all over the world have been exposed to asbestos in their daily lives and medical science is still discovering how this exposure affects their health and the health of those around them. As awareness has grown about the disease and the numbers of victims has risen, companies that were lax about controlling asbestos in the workplace have faced litigation from victims represented by law firms and mesothelioma lawyers specializing in bringing mesothelioma cases to court.

What is Mesothelioma?

Mesothelioma is an uncommon form of cancer which creates malignant cells in the body’s mesothelium, the membrane that covers many of the body’s internal organs. The cancer cells begin to develop and multiply and the cancer is capable of spreading from the source to other organs and areas of the body. Symptoms include shortness of breath, chest pain, anemia, fever, abnormal blood clotting, and others depending on the cancer’s location.

What causes Mesothelioma?

The single biggest cause of mesothelioma is exposure to asbestos fibers in the home or workplace. Although there have been recorded cases of mesothelioma where the victim has had no asbestos exposure, the vast majority of victims have worked with or worked in an environment where asbestos dust was present.

Who is at Risk for Mesothelioma?

The vast majority of mesothelioma victims are people who have worked in industries such as mining, construction, shipbuilding, heating and cooling installation, and places where asbestos is processed and produced. The risks of contracting mesothelioma and other asbestos-related diseases scale with the length of time a worker has been exposed. There is additional evidence that suggests that people living with workers in asbestos-related industries may also be at increased risk from coming into contact with dust and fibers brought into the home on workers’ clothing.

What to do about Mesothelioma

If you or someone you love has been diagnosed with mesothelioma or another asbestos-related disease, it is highly recommended that you contact a mesothelioma lawyer with experience bringing mesothelioma cases to trial. A mesothelioma settlement can help to defray medical expenses and provide for your family in the event of your passing. MesotheliomaLawyers is dedicated to providing timely information about mesothelioma, its causes, and assisting those who suffer from this condition. Check back often for new information about mesothelioma and options for mesothelioma victims and their familes.

Learn Forex Factory

How to Use Forex Factory Free Trading Tools — A Complete Guide
Have you heard of Forex Factory?

You probably do since it’s the leading forum for Forex traders since 2004.

But here’s the thing…

…most traders don’t take the full advantage of what Forex Factory has to offer.

All they do is to go into the forum, enter the “Trading Systems” thread, and look for new trading systems.

Then they apply the strategies for a while and when it fails, they got back to the forum and look for “the next best thing”.

And the cycle rinse repeats itself.

No wonder most traders fail because they are in the cycle of hopping from one trading strategy to the next.

Now…

Forex Factory is more than just a place to find new trading strategies. In fact, they offer useful trading tools that will improve your trading experience, and it doesn’t cost you a dime.

Are you ready?

Then let’s begin…

Forex Factory calendar — stay ahead of the news and never get caught with your pants down

The Forex Factory calendar highlights key fundamental news that’s coming up.

You’re probably wondering:

“If I’m a pure technical trader, does it matter to me?”

Yes it does, especially for short-term traders.

For example:

You don’t want to enter your trades just ahead of a big news event because the spread could widen and put you at a huge disadvantage.

Or if you’re in an open position, you might want to reduce your risk exposure so you don’t get stopped out on the volatility spike.

Make sense?

Good. Now, let’s learn how to use the Forex Factory calendar to your advantage…

1. Select your timezone

Here’s how to do it:

– Go to Forex Factory website
– Select the “Time” button at the top right-hand side of the page
– Then, select the time zone you’re in. And that’s it!

An example:

2. Filter yours news

Now…

There is plenty of news coming out each day from different countries. Like CPI, PPI, Retail Sales, Inflation, Central Bank, and etc.

And most of it does not affect the markets as they are not a major news event.

So, how do you know which news event to pay attention to and which to ignore?

Well, this is where the Forex Factory news filter comes in handy.

Here’s how to do it:

– Select the “Calendar” tab at the top of the page
– Then select the “Filter” button at the top right-hand side of the page

You’ll see something like this…

Next, check the red and orange box. This means the calendar will only reflect high and medium impacts news event (if you want to include the low impact event, feel free to do so).

Then, check all the event types as you don’t know which events are the high impact ones. So it’s safer to just check them all.

Lastly, you can select which country news you want. I suggest checking all of them so you’re aware of the important fundamentals going on around the world.

How to use Forex Factory Sentiment Indicator and find high probability trading setups

This is a trader’s sentiment indicator derived from Forex Factory Trade Explorer. It’s converted into a visual chart showing you how many % of traders are long or short (on a currency pair).

Here’s how to access it:

Select the “Trades” tab at the top of the page. Then scroll down a little and you’ll see something like this…

Now here’s the thing:

I’m sure you can agree that most retail traders enter the market at the worst possible time. Like “chasing” the market after it has made a huge move, or trying to pick market tops and bottoms.

Knowing this fact, you can then use the sentiment indicator as a contrarian approach.

You’ll look to go long when most retail traders are short, and long when most retail traders are short.

Here’s how to do it:

– Identify a currency pair that reaches an extreme reading of at least 60%
– Wait for a valid trading setup that is against the herd

An example…

As you can see, EURJPY has 63% of traders short this market.

This means as a contrarian, you want to go against the herd. So, you’ll look for a long trading setup.

Moving on… the EUR/JPY 4-hour timeframe looks like this:

So, how do you enter this trade?

Well, you could look to get long at the area of Support if there’s a price rejection like Pinbar, Engulfing pattern, and etc.

If you want a full explanation on entries, exits, and stop loss… go read The Complete Guide to Finding High Probability Trading Setups.

And one last thing…

You don’t want to enter a trade just because the sentiment indicator is at an extreme. It can remain at an irrational level longer than your account can remain solvent.

That’s why you need a valid trading setup with precise entries and exits so you can better manage your risk.

How to monitor your trading positions in real time (even if you’re at work)

I know.

You have a full-time job and it’s difficult to monitor your positions while at work.

You’ll probably sneak to the toilet every 30minutes or so just to see how your positions are doing.

But I’ve got good news for you…

…because it’s possible to monitor your trading positions in real time, without sneaking off to the toilet every few minutes.

Here’s how to do it…

Select the “Market” tab on the top of the page.

It’ll look like this…

Tada!

Live Forex charts in front of your screen. No downloads, login, or subscription required.

Do you know what else I like about it?

Just below the charts, you can see what the current market session is (whether it’s Sydney, Tokyo, London, or New York).

An example:

This is useful for traders who are wondering what time does the London or New York session opens, and whether there are daylight savings or not.

With this tool, you never need to second guess yourself again — plus it is synchronized with your local time.

How to find the correct Forex trading broker

I’m sure you’ll agree with me that it’s difficult to find a broker you can trust.

You never know if the broker is on the opposite side of your trades, whether they are financially strong, or would simply vanish after taking your money.

And this is one reason why I never recommend brokers publicly because you never know what’s going on behind the scenes.

Well, the good news is…

Forex Factory can help you filter down a list of brokers that you might consider trading with. They provide a list of brokers you can compare with side by side, so you can identify the ones that meet your needs.

Here’s how…

Select the “Brokers” tab on the top of the page.

An example:

Now, there are many things you can compare across brokers. Their real-time spread, markets available, minimum deposit, platforms available, languages, regulatory bodies, headquarters, and etc.

And I know it can be overwhelming to look at so many things when selecting a broker.

So, here’s my top 5 list to consider:

– How many countries is the broker regulated in?
– What is their real-time spread like during normal hours and major news release?
– How many markets can you trade?
– Is it easy to deposit and withdraw your money?
– Is their customer support responsive?

So do your own due diligence and find out which brokers suits you best.

And one last thing…

There’s an important disclaimer on Forex Factory website that states:

Brokers pay Forex Factory a fee to be listed on this page, so a claim of complete independence cannot be made. However, this product was entirely designed from a trader’s perspective, and several practices have been implemented to ensure information is presented impartially.

This means there are other good brokers that aren’t mentioned on Forex Factory and you must do some digging to find out for yourself.

Now let’s move on…

How to set up a trading journal in Forex Factory and improve your trading results

Here’s the thing:

If are serious about trading, then you must have a trading journal. It’s the only way to keep track of what you’re doing so you can improve on it.

Without one, you might as go gambling in a casino (and it still provides free booze and babes).

However, I bet that 80% of you reading this right now don’t have a trading journal, or you don’t properly record your trades.

So in this section, you’ll learn how to do it using a trading journal from Forex Factory.

But you’re wondering:

“Why set up a trading journal in Forex Factory when I can do it on my computer?”

That’s a good question and here’s why…

3 reasons why you should set up a trading journal in Forex Factory

1. Accountability

The reason why traders give up on their trading journal is that there’s no one monitoring them.

So, by having a trading journal in a public domain, you’re making a commitment and have someone to be accountable to.

This increase the odds of you doing it since it makes you look bad if you go back on your word.

2. You can learn from other traders

Once you start journaling your trades, it will attract like-minded traders to your thread. From there, you can exchange ideas and feedback to improve your trading together.

3. It’s stored in the cloud so you don’t risk losing your information

Have you ever had your computer crash on you? There goes all your precious information that goes along with it.

But by having your trading journal hosted on a cloud, that risk is greatly minimized and you can be certain it will be there for years to come.

How to set up your trading journal in Forex Factory

Here’s how:

– Select the “Forum” tab at the top of the page
– Then select the “Trading Journals” link in the middle of the page
– Then select “Start New Thread”

Once you’ve done it, you’ll see something like this…

Now you’re probably wondering:

“But Rayner, what do I post in my thread?”

Here’s what I suggest…

– Introduce yourself and declare a commitment of 6 months
– Explain your trading methodology and write down your trading plan
– Post the charts of all the trades you’ve entered
– Post the charts of all the trades you’ve exited
– Post your thoughts and reflection for the trading week
– After 25 trades, find patterns that lead to your winners and losers
– Rinse and repeat

Now the key here is CONSISTENCY.

There’s no point doing it for a few days and then stop doing it because it defeats the purpose.

To see results, you must commit yourself to do it for 6 months. If you follow what I said, your trading results will improve.

Summary

I hope you’ve realized that Forex Factory is more than just a forum to learn new trading strategies.

You should take advantage of their useful trading tools like:

– Forex Factory calendar to stay ahead of the news
– The sentiment indicator to help you find high probability trading setups
– The charting tool to monitor the Forex markets in real time
– The broker comparison tool to find the best broker for your needs
– Forex Factory trading journal to improve your trading results

Now I’ve got a question for you…

How do you use Forex Factory for your trading?

Private Mortgage Insurance

There are several types of mortgage insurance. The one that everybody complains about is private mortgage insurance (PMI). Homeowners with private mortgage insurance have to pay a hefty premium and the insurance doesn’t even cover them. Yes, private mortgage insurance offers zero protection for the borrower. Borrowers mistakenly think that private mortgage insurance makes them special, but there are no private services offered with this kind of insurance.

A lesser known type of mortgage insurance is the type that pays off your mortgage if you die. In other words, you pay a small premium for a small chance of dying. You could probably get better protection through a life insurance policy. The type of mortgage insurance most people carry is the type that ensures the lender in the event the borrower stops paying the mortgage. Nonsensicle, but private mortgage insurance ensures your lender.

Why Do You Pay for Private Mortgage Insurance?

Many borrowers take out private mortgage insurance because their lender requires it. That’s because the borrower is putting down less than 20 percent of the sales price as a down payment. The less a borrower puts down, the higher the risk to the lender. Therefore the lender wants insurance against a default.

You don’t choose the mortgage insurance company and you can’t negotiate the premiums. It sounds unAmerican, but that’s what happens when you get a mortgage that exceeds 80 percent loan-to-value (LTV).

What Less Than 20 Percent Looks Like

For example, if you put down 5 percent on a $200,000 home and stopped making your mortgage payments, mortgage insurance would pay your lender $30,000, which is the 15 percent that you did not put down to protect the lender to an 80 percent LTV. This would happen after foreclosure.

The Federal Housing Administration (FHA) charges for mortgage insurance as well. Not only do you pay an upfront premium for mortgage insurance, but you pay a monthly premium, along with your principal, interest, insurance for property coverage, and taxes.

How Do You Cancel Private Mortgage Insurance?

Once your equity rises above 20 percent, either through paying down your mortgage or appreciation, you might be eligible to stop paying PMI. The first step is to call your lender and ask how you can cancel your private mortgage insurance.

The lender will want proof that your equity position is secure and exceeds 20 percent. It will get that proof by requiring you to pay for an independent appraisal. You don’t get a voice in choosing the appraiser or the amount that the appraisal will cost you, but generally, appraisals cost between $350 and $500.

FHA rules are different. If you have an FHA loan, you will need to pay down your mortgage to 78 percent of your original sales price. Even if appreciation has pushed your equity up, it won’t matter. You will need to reduce your original principal balance.

How to Avoid Paying for Private Mortgage Insurance

There are many ways to avoid paying for private mortgage insurance. You may not qualify for these, or may not want to employ them.

– If you are a veteran, you can take out a VA loan, which has no private mortgage insurance.

– You can put down 20 percent or more if you want to tap the Bank of Mom and Dad.

– You can pay a higher interest rate. Sometimes the difference in your monthly payment spread out over your planned term of occupancy is much less than paying for mortgage insurance.

– You can take out a combination loan of 80 / 10 / 10. This consists of a 10 percent down payment, an 80 percent first mortgage and 10 percent second mortgage.

– You can look into a HomePath mortgage offered by Fannie Mae on select Fannie Mae bank-owned homes.

– If you’re a teacher or doctor your bank may give you a special loan. Sometimes, loans to teachers and doctors don’t require private mortgage insurance.

Tips for Choosing a Cheap Insurance Company

Choosing a cheap car insurance company

How to get a cheap car insurance policy from a company you trust
There are many reasons you may be seeking the cheapest auto insurance option. Your household finances may be tighter than usual. Or maybe you don’t drive a lot. Whatever the reason, a low-cost policy doesn’t have to mean a no-frills experience with the insurance company. As you compare quotes from cheap car insurance companies, consider more than just price. Policies from leading carriers, such as Nationwide, may be exactly what you need. Here’s what to look for:

A solid reputation
Over the past 80 years Nationwide Insurance® has grown from a small auto insurance company to one of the largest and strongest insurance and financial services companies in the world. You can’t say that about most cheap car insurance companies. The key to our growth has been simple: helping customers protect what’s most important to them while providing outstanding customer service.

Personal customer service
Why choose Nationwide auto insurance? As a Nationwide auto insurance policyholder, you’ll enjoy great customer service online or over the phone, as well as through our vast network of Nationwide agents and Nationwide-affiliated independent agents. But don’t take our word for it. We post our customers’ auto insurance reviews online for you to read. Cheap auto insurance companies don’t do that.

24/7 access
Because difficult situations always seem to happen at the worst possible time, Nationwide’s renowned On Your Side® Claims Service is available around-the-clock 365 days a year to get you back on the road as fast as possible. A cheap car insurance company can’t match that standard.

Lots of free extras
Look at cheap car insurance companies and see if they can provide free perks like our 24-hour claims service, an 800 number with a real person at the other end, our On Your Side Review (a free consultation to see if you have the insurance you need and the discounts you deserve) and Nationwide®AutoWatch®, which lets you monitor your covered auto repair online.

Custom options
Nationwide offers you a variety of options that allow you to customize your policy. Cheap auto insurance companies can’t offer you great options like Roadside Assistance, Accident Forgiveness or Vanishing Deductible®.

Other insurance options
If you’re looking for other insurance policies, Nationwide also offers discounts for everything from motorcycles and scooters to boats and RVs.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Travel Insurance Companies – The Best And Worst Review

Ask any expert to name the best and worst travel insurance companies, and you’ll probably get a noncommittal answer. “It depends,” they’ll say, careful not to sound like they have a favorite — or a least favorite.

But ask Michael Blank, and he’ll tell you about his experience with Seven Corners Travel Insurance.

Blank recently set sail on a Celebrity cruise to the Middle East, India, and Southeast Asia. Along the way, both he and his wife contracted severe sinus infections, which sent them to the ship’s infirmary. A doctor treated the couple with antibiotics and billed them $313. Blank completed a quick online claim form.

“Seven Corners paid right away,” says Blank, a pharmaceutical research and development executive in Philadelphia.

Actually, that’s the way it’s supposed to work. The best travel insurance policies for your upcoming fall and winter trips offer extensive coverage. They also pay their claims promptly, according to customers, travel agents and experts. And the worst? Don’t even get me started.

These are the worst travel insurance companies
OK, do get me started.

The absolute worst travel insurance companies aren’t travel insurance companies at all. A few years ago, readers of my consumer advocacy site asked for help with their claims against a company selling something called travel “protection.” The company billed itself as travel insurance without actually claiming to be insurance in a clumsy attempt to evade state regulators. It refused to honor what appeared to be legitimate claims.

In the end, one of the company’s stakeholders tried to drag me into to court for writing about it. Fortunately, authorities caught up with the scam and shut it down.

Case dismissed.

By the way, if you want to read travel insurance horror stories, you can find plenty of them on my nonprofit consumer advocacy site.

Some travel companies, such as tour operators and cruise lines, also offer “protection” that isn’t insurance. Coverage is limited (for example, they only offer credit if you have to cancel, not a refund). And the restrictions are significant. Since the company itself underwrites the “protection,” the company’s bankruptcy would render it useless.

Note: Some travel protection products are totally legit insurance products and worth considering. For example, BHTP’s ExactCare Extra product combines fixed benefits with traditional coverage. It covers trip cancellation, trip interruption, medical coverage, emergency evacuation, but also flight cancellations and missed connections.

But in a sense, the worst travel insurance may be none at all. Too many travelers are turned off by the negative stories and bogus “protection” policies and decide to skip travel insurance altogether. It’s a decision they often regret when they have to cancel their trips and can recover none of their money.

Good travel insurance can cover you when medical insurance won’t, particularly for international travelers. It protects against trip delays, offers rental car coverage, and covers lost luggage and accidental death. Finding a great travel insurance plan and buying travel insurance doesn’t have to be difficult.

The best travel insurance companies
Every year, I survey my readers on the best travel insurance companies. Here are last year’s winners. (I’ll start the polling again in October, so stay tuned.) But in the meantime, I hear from thousands of travelers about their insurance experiences. Not all of them are positive, but many are. They merit a second look at about the halfway point through this year.

Here’s my current list of the best major travel insurance companies, based on reader feedback and the latest consumer surveys:

Allianz Global Assistance

Allianz Global Assistance is the largest travel insurance company. It’s owned by Allianz SE, the world’s largest diversified insurance company. Thanks to the scale of its parent company, Allianz can offer better insurance at a lower rate. The company typically works fast on claims and resolves most complaints quickly and to the customer’s satisfaction. Just in case it doesn’t, I publish the names of its customer service executives on my advocacy site.

Jim Angleton, who runs a credit card company in Miami, remembers a recent flight from the Middle East to Miami. With a hurricane bearing down on South Florida, his airline canceled the flight and told him to wait four days. “We ran and got the last four business class tickets on Emirates,” he says. Allianz quickly reimbursed him for the tickets.

“In today’s crazy travel world and climate it is very important — almost a must — to have trip insurance,” he says.

Amex Assurance

Talk about squeaky clean. I’ve received virtually no complaints about Amex Assurance products, which in and of itself is a powerful endorsement. Amex offers all kinds of protection and insurance policies, and you don’t have to be a cardmember to qualify for coverage. If you run into problems, I always publish the Amex executive contacts on my advocacy site, too.

Generali Global Assistance

Generali Global Assistance’s predecessor, CSA Travel Protection, has long been a recognized name in travel insurance. And Generali’s parent company, The Europ Assistance (EA) Group, has been around since 1963. Generali says its success is “built on the foundation of trust.” Based on the few cases we receive on my consumer advocacy site, they live up to their promises. I’ve had an opportunity to work with Generali on several stories since I published my last list. It has a true customer-centric corporate culture, which is great. (And just in case they forget, here are Generali’s executive contacts.)

Seven Corners

Seven Corners is privately held and headquartered in Carmel, Ind. Blank’s experience, as described earlier in the story, is not unique. This low-key specialty benefit management company specializes in doing business with agencies of the U.S. government, foreign governments, and corporations. Their cases tend to get resolved quickly and with a minimum of publicity. Here are the Seven Corners executive contacts, in the unlikely case you’re the exception to the rule.

Travelex

Travelex is owned by Cover-More Group, one of Australia’s largest insurance providers. I can count on one hand the number of Travelex cases we get. The company offers solid coverage and processes claims quickly. A vast majority of its customers are pleased with their travel insurance policies, which is as much as anyone could expect. Here are the Travelex executive contacts.

Christine Dailey, who works for a construction company in Los Altos, Calif., reported her positive experience with Travelex. She’d purchased coverage for a three-week European cruise.

“I had a fall on Portuguese cobblestones during a shore excursion and fractured a finger,” she says. “Incurred $910 in medical treatment by the ship’s doctor.”

At home, her health insurance covered her medical care. But not abroad. Travelex didn’t harass her with a lot of paperwork requirements for her claim. “I received payment in full within three weeks,” she says.

Travel Guard

If you’ve never heard of Travel Guard, you probably know AIG, its parent company. Like the other insurance companies on this list, it has a sterling reputation for delivering insurance coverage to travelers. I’ve had several dealings with Travel Guard since I published my last list of insurance companies. Travel Guard processed its claims quickly and followed up to make sure the customer was happy. I’m impressed by their professional attitude and have absolutely no reservations about recommending a Travel Guard policy. Here are the Travel Guard executive contacts.

Travel insurance doesn’t solve everything
A few words of warning: While these are the best travel insurance companies, they’re not perfect. Too often, they oversell their products with large-print hyperbole, only to have fine-print restrictions that severely limit their coverage. The biggest: limits on pre-existing conditions. That’s a problem mostly created by their underwriters, who are trying to limit their exposure. You have to read the fine print very carefully to avoid getting stuck with a useless policy.

Also, there are items even the best travel insurance company won’t cover. That’s one reason many of the travelers who contact me buy more than insurance. For instance, they’ll pay $270 for a one-year medical evacuation membership like MedjetAssist. Medjet has access to a fleet of more than 250 private air ambulances that can evacuate hospitalized members. Or they’ll sign up for International SOS, which provides global security to companies.

Travel insurance won’t cover everything. But you don’t really want to leave home without it.

The 8 Best Health Insurance Companies to Use in 2019

The 8 Best Health Insurance Companies to Use in 2019

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Trying to find the best health insurance can be a confusing process. There are several criteria to keep in mind when you make your decision including financial strength, customer service ratings, claims service, plan prices, policy offerings, coverage benefits, and provider choices. There is no one “best” health insurance company, but the best one for you will depend on the type of health insurance you need, your budget, and what is available in your area.

Many health insurers offer the option of a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) Plan. An HMO has its own network of doctors who have an agreed-upon price for the health care services they provide, while a PPO is made up of pre-approved physicians that participate in the network and offer lower costs to members. Most PPO plans will also allow you to access an out-of-network provider for a higher fee.

The region you live in will determine which health insurers you have access to, and coverage options vary from state to state. It can be a daunting process trying to find a health insurer that matches all your needs, but we’ve done the research to come up with a list of insurers that have a good reputation and perform well in the areas of policy offerings and plan choices. These 8 health insurers are some of the best options for health care coverage for 2019.

The 8 Best Health Insurance Companies to Use in 2019

01 Best for Health Savings Plan (HSA) Options: Kaiser Permanente

Kaiser Permanente is a trusted name in health insurance. It offers medical care through its managed care organization and a network of Kaiser Foundation hospitals and medical centers. It has won numerous customer service awards from J.D. Power & Associates and has excellent financial strength ratings. Kaiser Permanente offers health insurance to residents of Colorado, Georgia, Hawaii, Washington, and both Northern and Southern California, as well as those living in the Mid-Atlantic and Northwest regions. Its network includes more than 22,000 participating physicians.

If you live in Kaiser Permanente’s coverage area, you have access to several plan options including classic plans, essential plans, and advantage plans. All plan types offer the option to add a health savings Plan (HSA) option. HSA options have an individual deductible of $5,000 and a family deductible of $10,000. Depending on the plan you choose, you have access to services like unlimited doctor’s visits, no co-pay plans, after-hours care, generic prescription drugs, and online wellness tools.

02 Best Large Provider Network: BlueCross/BlueShield

The Blue Cross Association offers health insurance coverage not only in the United States but worldwide in over 170 countries. Almost 100 million Americans have their health insurance through a BlueCross/BlueShield organization. There are 39 Blue Cross health insurance organizations in the U.S. and most have A.M. Best financial strength ratings of “A+ (Excellent)” or above.

Blue Cross member s have access to plans through HMOs and PPOs. The HMO plans offer the most comprehensive plans at the greatest savings but limit doctor choices to those inside the HMO. The PPO plans, on the other hand, offer more flexibility with a great number of participating doctors. In fact, Blue Cross PPO providers are so numerous that you are likely to be close to one no matter what part of the country you live in. Blue Cross plans also give you access to HSA and FSA health savings accounts. With an FSA plan, you can save money tax-free for health insurance deductibles and other health-related expenses. The HSA plan is similar but must be used only for medically-qualifying expenses. Many people apply the funds in these plans to insurance deductibles and enjoy the benefits of lower insurance premiums with a high-deductible plan.

03 Best for Online Care: UnitedHealthCare

UnitedHealthCare has an “A (Excellent)” financial strength rating from A.M. Best and is the largest single health insurer in the U.S. It offers individual insurance that meets the Affordable Care Act (ACA) requirements for essential care. A real standout feature for UnitedHealthCare members is the access to online care, including the ability to order prescriptions online, speak with a nurse help hotline, and participate in online wellness programs. Members can also go online 24/7 to set up doctor’s appointments, file claims, and find doctors. They even have a mobile app so you can use these resources on the go.

UHC is a great choice for people who want the option to manage their health care electronically. HMO and PPO plans are available with access to healthcare savings accounts (HSA) and Flexible Spending Accounts (FSA). Member discounts are available for hearing aids, vision services (including Lasik), and smoking cessation programs. UnitedHealthCare has a very large preferred provider network of over 790,000 participating physicians.

04 Best for Employer-Based Plans: Aetna

Aetna has an excellent reputation and is one of the largest health insurers in the U.S. It has an “A (Excellent)” A.M. Best rating and provides employer health plans to residents of all 50 U.S. states. Aetna offers affordable health insurance options that include preventive care, hospitalization, office visits, immunizations and other types of essential health care services. Members also have access to tax-free health savings account (HSA) plans. There is a large provider network, so members will be able to find an Aetna-approved provider no matter the part of the country they reside in. Network plan options allow members to see an in-network doctor or any licensed doctor, although seeing a network doctor will provide the greatest savings. There are numerous wellness programs available to Aetna members including gym memberships, weight-loss programs, chiropractic services, and more.

05 Best for Telehealth Care: Cigna

Cigna is a global health insurance provider and offers health insurance in 12 U.S. States: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas. It has an “A (Excellent)” financial strength rating from A.M. Best. Its preferred provider network includes more than 500,000 participating physicians. No referrals are necessary to see an out-of-network provider although greater savings are realized by using an in-network provider.

Plan options, deductibles and co-pay options will vary by state. High-deductible plans are available along with health care savings plan options. Policyholders have access online to search plan network doctors, estimate costs, check claims status, and get insurance ID cards. There are several attractive member benefits including access to a home delivery pharmacy, health information helpline, rewards programs, flu shot information, and the Cigna telehealth connection program, which allows you access to board-certified telehealth providers including American Well and MDLIVE.

06 Best for HMO Plans: HCSC

Health Care Service Corporation (HCSC) is the largest customer-owned health insurer in the U.S. It was founded in 1936 and services more than 15 million members in its operating states of Illinois, Montana, New Mexico, Oklahoma, and Texas. (Plans and coverage options vary by state.) Wellness programs are available including an online health assessment tool, smoking cessation support, weight-loss programs, maternity programs, fitness programs, and a 24/7 nurse hotline. You can choose coverage from several plan types including HMO and PPO plans. Health savings plans are available, and you can also choose a high deductible plan to help reduce insurance premium costs.

07 Best for Wellness Care: Molina Healthcare

Molina Healthcare offers health insurance to residents of California, Florida, Idaho, Illinois, Michigan, Mississippi, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin. It insurers more than 3.5 million members across the United States. Coverage options, plan choices, and benefits vary by state. Many of its health plans come with no copays and cover these types of essential medical care: prenatal, emergency services, hospital care, vaccinations, lab tests/x-rays, prescription drugs, doctor’s visits, and vision insurance.

Molina has some excellent perks, wellness care, and preventive health care services for its health insurance members including unlimited doctor’s visits, a pregnancy program for high-risk mothers, a 24-hour nurse advice helpline, vouchers for 10 weeks in the Weightwatchers program, and access to over-the-counter smoking cessation products.

08 Best for Eastern States Residents: Highmark

Highmark is a regional health insurer offering coverage to several eastern U.S. states. Coverage plans and options will vary based on where you live. Tiered plans are available with gold, silver. and bronze options. Highmark has an Exclusive Provider Organization (EPO) plan which means you can only use the providers within the network. There are no health benefits for out-of-network providers. Preferred Plan Provider (PPO) options are also available. There is a wide range of deductible and co-pay options, so you are likely to be able to find a plan to meet your budgetary needs.

Highmark offers member benefits including a wellness profile, personal health digital assistant, health trackers, a symptom checker, and other health education and information. Discounts are available to members for nutrition, fitness, vision, and hearing services, as well as travel savings. Lifestyle program services are available to members who need assistance with weight loss, nutrition, exercise, stress management, behavioral health, and smoking cessation.

How to Help Clients Invest an Inheritance for Retirement

The aging of the Baby Boomer generation means that their children and grandchildren who are currently Gen Xers or Millennials. Some estimate this coming transfer of wealth to be in the $30 trillion range. If you are a financial advisor working with clients who suddenly come into a significant inheritance, how do you help them invest this money to ensure they have a solid retirement nest egg?

Take Time to Plan
Those inheriting a significant sum of money should take a step back and come up with a plan for the money. As their financial advisor, you need to ensure that clients don’t rush into doing something ill-advised with this new found wealth. Does the client have debts to pay off? Are they on track with their savings for retirement and other life events such as college for their kids? This is the time to do a financial plan with the client to determine what their priorities are and how this money fits.

Retirement should be a priority for most clients. Given increasing longevity and the fact that defined benefit pension plans are fast becoming extinct, this will likely be a priority item for most clients who inherit money.

Beyond setting priorities there are issues such as tax planning and estate planning to consider. This isn’t to say some of the money shouldn’t be enjoyed – in fact spending some of it on some wants such as a car or that dream vacation might make the more mundane planning issues easier to handle for some clients.

There could be any number of tax and related issues. For example, all or part of the inheritance might consist of individual stocks or other investments held in a taxable account. When inheriting investments, the heirs are allowed a step-up in cost basis. This can eliminate most of the potential capital gains issues and allow all or part of the portfolio to be sold with the proceeds use to invest elsewhere if the client needs to do so to implement a more appropriate asset allocation for their financial and retirement planning needs.

Take a Step Back and Assess
As part of the planning process discussed above, each client’s situation will be different. Inheriting money in your 30s is different than if you are in your 50s. Each client’s life and financial situation will be different.

They should start by looking at their overall financial situation. Do they have the basics like an emergency fund in place? Is there a lot of debt? Are they married with children? If so, where are they in terms of college savings? Most of all what are their financial priorities?

A client in their 40s, 50s or older is closer to retirement and an inheritance might be the final push to put them on track or even over the top in terms of building their retirement nest egg. In deciding how to invest some or all of this money towards retirement the client should look at their current retirement savings in their 401(k), IRA accounts and similar vehicles. Further, how much are they currently saving for retirement?

For younger clients, the inheritance can help for retirement in a couple of ways. The extra money can allow them to fully fund their 401(k) by upping their contributions to the maximum amounts allowed and using some of the inherited money to keep their monthly cash flow where it needs to be.

Establish Priorities
Should retirement be a client’s top priority when deciding how and where to invest an inheritance? While everyone’s answer will depend upon their own situation, the fact that there are no do-overs in retirement should be considered. For example, you might point out that there are many ways to fund a child’s college education. Once you hit retirement age their options are more limited.

The right course of action will depend in part upon the size of the inheritance. A larger amount will allow the client to do more things with the money.

Avoiding Temptations
Just like those who win a prize in the lottery, recipients of an inheritance might be subject to many temptations in terms of how to spend their money. There might be pressure from family members and others to share some of the money with them. Certainly, many stock brokers and promoters of some “interesting” investment opportunities may come knocking on their door.

As their financial advisor, it is up to you to educate your client to avoid the temptations of easy riches or the guilt trips that might be laid on them by others who want a piece of their money. This isn’t to say that helping a friend or relative isn’t a good thing to do, but rather your client should do this because they want to and not for other reasons.

The Bottom Line
Receiving an inheritance can be a financial blessing for your clients. If invested well this money can leave them set for life, including retirement. Your advice and counsel is invaluable to clients in deciding how to make the most of an inheritance.