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After your death, it will be difficult enough for your loved ones; the last thing you want them to be burdened with is determining what should be done with your estate. You also don?t want to run the risk of your loved ones not receiving what you intended them to receive, whether because of them disagreeing, extra administration costs, or unnecessary taxes. This is why estate planning is essential. Estate planning ensures that your loved ones will receive what you want them to receive, the manner in which they receive it, and when they receive it. Additional benefits of estate planning are savings on taxes, court costs and attorney?s fees, and less burden and financial strain on your loved ones. If you come to Watt and Vanderhyde, Attorneys at Law for your estate planning we will make the process as timely and effective as possible. We recommend that you have us create three important documents for you: 1) A Will (or a Trust, more information on Trusts to come at a later date), 2) A Durable Power of Attorney and 3) A Durable Power of Attorney for Health Care.

Wills The purpose of a will is to create a legally binding document that directs who will get your property after your death. The will also indicates the legal representative who will carry out your wishes and distribute your property (the executor). A will is important because it states where and whom will get your estate, rather than leaving your estate intestate (without a will), which would cause your estate to be distributed pursuant to state law that may not distribute your estate in the way you intended. If you have a will, then the probate process is less expensive and quicker than if you die without a will. For those who have minor children, a will determines who will become the guardian of your minor children should both parents pass away. Durable Power of Attorney A durable power of attorney is another important aspect of estate planning. It appoints the person you wish to handle your financial matters in case you ever become incapacitated. If you never legally appoint a power of attorney, then the courts will have to appoint a conservator or guardian after you become incapacitated. This process costs money, takes time, and the judge may appoint someone that you do not want to have the authority to handle your financial affairs. The document is created with specific standards used to determine incapacity and when the power of attorney is triggered. Durable Power of Attorney for Health Care A durable power of attorney for health care designates who you want to make your health care decisions if you are unable to do so yourself. This medical directive can be used to instruct your wishes regarding withdrawing life support if you are in a vegetative state or if you become terminally ill. For all of your Estate Planning needs, contact Grand Rapids Estate Planning Attorneys Watt & Vanderhyde at (616) 776-0000. Author is Sandra Vanderhyde who is a partner of Watt & Vanderhyde Law, a Grand Rapids Attorneys law firm that specializes in helping with Divorce, Family Law, Bankruptcy, Estate Planning, Real Estate and more.   To contact the main office call 616-776-0000 or visit her website at http://www.wattvanderhydelaw.com

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Getting your nipples or genital pierced has become very popular among both men and women, while the other types of piercing like tongue, nose and eye brow or naval are still gender specific. Back thousands of years ago Body piercing jewelry was popular among tribes as a sign of wealth and prosperity; you can see a lot of references of body piercing in the bible. Although body piercing jewelry was not popular until about 20 years ago, it actually has a very long history. Look through the archives the first recorded body jewelry piercing comes from evidence in the middle east of a nose ring piercing recorded over 4,000 years ago. The most popular piercing jewelry are earlets, labret rings, ear barbells, navel rings, and nipple rings. Today’s generation, believe it or not, much like ancient society throughout history, have gone to the more extreme multiple piercing of various body parts. Body jewelry has come a very long way, look back in history many women only pierced their ears while men did not pierce anything on their bodies, today that has all changed.

Once body piercing was limited to those that were adventurous and, piercing was limited to a few parts of the body. Among the most popular body piercing jewelry, earrings once topped the list. The term body jewelry means that it is displayed on various parts of the body like, naval, ears, tongue, genital, nipples and eye brows, many young people are doing this and it becoming a part of the mainstream and defining certain styles and fashion trends. Be careful about the piercing process too and ensure its sterilization as well. Jewelry has always spruced up the fashion sense of the young and the old, jewelry brings a certain flair to every special occasion. Everywhere you look body piercing jewelry is seen everywhere, the younger generation has brought the trend into mainstream fashion quite quickly and is now apart of today’s fashion style in the United States. The new trend today is body jewelry and it has slowly influencing many fashion trends like the midriff shirts, the smaller shirts allow the belly button ring to be seen by everyone. Fashion is about looking exotic, be it at the cost of comfort. Most people think that body jewelry is something new to the fashion world, in reality body piercing dates back to ancient times. You can now shop online for your body jewelry. Many people are finding that they are able to find the body jewelry much cheaper when shopping online. The online store have a larger selection and sometimes offer a discount if you buy more than one type of body jewelry. Belly button rings have become the largest body jewelry sale item on the internet. Many people are not just buying gold and silver belly button rings but are purchasing diamond belly button rings and showing them off with belly shirts that show their midriff. David Marc Fishman is the owner of www.priceriot.com. Priceriot is a new online auction where prices drop as people shop for Ipod. Get advice at www.tipsquad.com

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Boxing fitness is so unique in that it is a combination of aerobic and anaerobic exercises. It’s a total body conditioning that women can really appreciate. Boxing fitness takes all the benefits of competitive boxing training without the actual training for hardcore fighting. Through the boxing training programs women will gain strength, flexibility, coordination, a good sense of balance and you will have quicker reflexes.Here are some easy exercises you can do from the home:10 jab punches
10 straight punches
10 squats
15 jumping jacks
Rest 30sec to 1min10 jab-straight combination(1-2)
10 alternating lunges
15 ab crunches
Rest 30sec to 1min10 jab-straight-hook combinations(1-2-3) then under(duck)
1min jump rope
Rest 30sec to 1minRepeat for 2 more rounds.Never forget to warm-up and stretch before starting your program, likewise, always cool down after every workout. This must always be part of any workout, it will prevent you from having injuries.Don’t worry if you are conscious that you might end-up with a body like the popular professional male fighters such as Mike Tyson or Manny Pacquiao, you won’t. Instead, you will have a leaner, trimmer toned body. Plus, the add-on to your self-esteem of knowing how to box! A lot of my female clients wanted to learn boxing for fitness because they wanted to effectively lose weight fast and in a fun way. But I also had female clients who were inspired to learn boxing for self-defence. They felt good that they were taking care of their health and gaining an ability to protect themselves should they ever need to.

Here are some easy small business ideas for people who want to start their own business without the complexities of having a business. At some point or another in your lives, you wanted to own a business, even just a very small one. Not only does having your own business helps you feel that you are our own boss but it helps you generate additional income for the household. Isn’t that great?Most successful companies come from small business ideas. With a lot of perseverance, hard work, and careful planning, small companies grew into big profitable ones. If you are thinking of establishing your own business, here are some ideas you should consider.Some of our easy small business ideas include creating your own online business facility that offers services such as administrative support, secretarial service, customer or technical service, accounting and bookkeeping, writing, marketing services and data entry service; establishing your own flower shop or gardening shop; opening a photo booth or studio; and even opening your own day care center. You can open a data retrieval service, referral service, resume service, dog training center, image consultancy, upholstery service, or a business broker service.The list of easy small business ideas goes on and on. One has to choose the best idea that’ll work well. In any business, there are several factors that you have to consider before pursuing the idea. For example, if you are a stay-at-home parent who wants to start a small business, you need to consider the kind of business that can easily be managed at home. If you’re more comfortable communicating on the phone rather than speaking to a customer face-to-face, then you need a business that doesn’t involve face-to-face contact. If you want a business that doesn’t need much investment, except for a computer and an internet connection, perhaps you need to start an online business.You need to consider your budget for your business, your location, your resources, skills and capabilities. If you’re allergic to flowers, you don’t’ want to start a flower shop or a gardening business, right? You need to have a clear idea of what you want to do before planning out the rest of your business. Although most businesses always have a trial and error phase, you just can’t afford to make mistakes with your ventures, right? So keep in mind your strengths and weaknesses. Determine how much time you are willing to give to make your easy small business ideas work for you.

Boomer’ Rick cannot understand why ‘Gen Xer’ Jim cannot seem to get to work on time. ‘Millennial’ Stacy can not seem to understand why ‘Traditionalist’ Fred has worked at this company for 40 years although, clearly, he is unhappy.Statistics tell us that there are four generations in our workforce today. Much research focuses on the differences and how to best work with and manage the varying degrees of experience, viewpoints and work styles. I wonder how the mixing of these very different experiences contributes to the overall ethical culture in companies today.To clarify, the generations we are talking about are described in the article “New-age challenge: Four generations now occupy the workplace” by James Amos, Pueblo Chieftain, The (CO) 3/7/10 consist of: 10% Traditionalists (born 1900-1945) 45% Boomers (born1946-1964) 30% Gen. X (born 1965-1980) 15% Millenials (born 1981-2000)The problem is that when we hear the word ‘ethics’ we assume it means the same thing to everyone. However, there is some gray area here, particularly when it comes to four different generations. What is ethical behavior for a Millennial may be considered highly unethical to a Traditionalist, Boomer or even a Gen X’er. So who is right? Which generation is more ethical? The answer may surprise you!The Harvard Graduate School of Education researchers wrote the book, “Making Good: How Young People Cope with Moral Dilemmas at Work,” (Harvard University Press 2004) on the “ethical conflicts faced by generations in the start of their career ladder.” In this book, the young professionals who were surveyed recounted the pressures of participating in unethical conduct, i.e. prematurely publishing data or sensationalizing news stories, for assumed advance in their profession. Would a Boomer make the same choices?So which generation is more ethical?Joe Smith at Company 123 has a daughter who is participating in ‘the big game’ at 4pm on a weekday. Traditionalists’ tendency is to stick to their work regimen, as always, regardless of personal/family activities, not because they are heartless but because they view hard work and a strict regime as sacred values. Boomers, whose generational values include ‘Workaholism’ concentrate on the competition at work and may focus on what he/she may be missing as productive time at work, rather than personal time, particularly during weekday work hours.Gen Xers, conversely, hold work/life balance as a great benefit at work. They also know they can check email via their phone at the big game, and not miss a beat at work. Millenials realize that their physical presence at work does not equate their ability to get the job done. They are so tech savvy that not only will they check email, but they can easily stay connected to the office/clients while at the game and follow up at home, post game. Millenials, due to growing up with technology, can multi task seamlessly at an entirely new level.So…who is more ethical? The generations who stay at work until 5pm or later? Or are those who place value on important family events more ethical?The answer? It depends.The answer depends on what expectations were communicated to each employee in the beginning.Any ethics training program in any company that has different generations MUST have the following three elements in any ethics training program.1. Acknowledgment of different generational viewpoints. Do you know what percentage of each generation is in your office? There are many resources available for free, that explore the best tactics to manage each generation. Each age group requires a bit of a different approach to be most effective. Once you know who is in your ‘audience’ you will be able to understand the varying views of what type of behavior is ethical and what is not. Often times, seemingly unethical behavior is not conducted on purpose…at times, it is just that a member of a certain generation holds beliefs based on their experiences, and that may be different from what your organization advocates.2. Define ethics. Walk employees through situations pertinent to their job and help them appropriately analyze the situation. Give them the tools, not just definition. A community college mandates that all employees must take online training courses prior to hire date. This training program included examples about keeping grades private, appropriate and inappropriate relationships with co workers, as well as who is and is not allowed to view their personnel file. These situations are very specific to the employees at this community college. The college defined ethics in their culture for all employees.3. Provide ongoing messaging that communicates expectations. Marketing research states that a consumer would need to see the product seven times before they recognize it. Why should ethics training be any different? Even if it is every other month, can you commit to six times a year, dedicated to ethics messaging? More importantly, training should be sensitive to all generations.By following these three suggestions, you may find that certain ethics sticking points may not be as much of a problem anymore. If you fully understand the generational differences that your employees bring to the workplace, and include this information in your ongoing ethics training, you will be in a better position to have all generations focused on the same ethical path.

Learning about affirmations for love is a means for becoming a loving individual. A loving person is one who is capable of giving out love. When you can love others, you can be assured of being able to attract it to come to your life. We all need this and we all need to love. That is why we should know how to give it and so we could also receive it back in our lives.Love is a fundamental need of humans along with food, water and air. It has many forms. It can be the kind that is between a mother and child; can be between or among friends; between two lovers, life partners, etc.If one person fails to find love from his or her fellow humans, that person seeks love by adopting pets. Caring for a pet is yet another form of this emotion and thus we can understand that such exists along with life. If you would notice, there are a lot of people who may not have families with them and so instead they give the love that they have to their pets. The company and the fun that the pets bring is the love that is given back to the owner.In reality, however, when you want love, it would not automatically mean that you will receive it in the way you want. You first need to give your own in order to receive the same. Love yourself first so you can be able to offer it to others. There are a lot of people who want to be in relationships yet do not love themselves. What happens is they often have failed relationships because they have not learned the first important thing in loving.Experiencing love is also in different forms and ways. Touching and feeling are ways of showing it. It could also be through whispering loving words to the people who mean much to you. Others show this by presenting gifts to the people they care for. Yet the best possible means of showing it is to express it the way you want to receive it and vice versa.Affirmations for love should be your companion at all times. You can create your very own affirmations. You can put two and more affirmations together. Recite the affirmations again and again, if possible, while looking at yourself in front of the mirror.Do this about hundred times each day for duration of 6-7 months. Soon, with no conscious realization, you will turn out to be loving individual and you can attract many a number of loving people into your own life.An example of affirmations for love is telling yourself that you are surrounded with this strong emotion and that all are fine. You can also say that you have an open heart and you glow with this. Telling yourself that your relationships are filled with love and that they last long is also an example of affirmation. You could also use an affirmation that states or says that your partner is the center of your life and you love him as much as he loves you.