Greek philosopher Heraclitus had remarked that 'you cannot step into the same river twice' i.e. time will never be the same. 'Change' is simply constant factor and 'Death' could be the only certain thing in life. So what is true for today will not be true forever. A contended joyful life today does not entail happiness for all the successive years. Time can flip today or tomorrow. No one is sure that when the journey of life will meet its end and our eyes will never open again to see summer. So, keeping the precariousness of life in mind, one should be prepared for the good as well as bad times.

Yes, most trusts may have a "pour over" will, which simply provides that any assets held with your name alone at death, which hadn't been in your living trust, get transferred living trust. However, these assets not originally in the trust will not avoid probate.

All occurred before 2009. And what happened in 2009? Everybody knows, nevertheless the two hardest hit sectors in market place were economic independence survey and marketplace sectors. And did she once get a call inside the broker, another choice is to brokerage firm suggesting she do everything to take cover