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Your Financial Planner Can Be Beneficial To Your Health

July 24, 2018 Free Web Shop Business & Legal Advice

Ever heard of the phrase ‘Prevention Is Better Than The Cure’? It can apply to many things in business issues but none more so than your health. If you have money worries they can negatively affect your health, so you’ll most likely visit your doctor for treatment. Whilst they can prescribe all sorts of pills and potions to treat the symptoms, they can’t take away your financial woes. This is where a financial planner such as andep.com.au comes to the rescue, as they not only ‘cure’ many of your financial woes, they can prevent any further deterioration.

The negative impact on health caused by money worries is well documented. There are several physical, and psychological ailments that worrying about your finances can produce. Here are four of the most common.

Chronic Stress: Stress can be the catalyst to a whole catalogue of illnesses, and in recent years its impact on health has become more and more obvious. Stress can lead to eating disorders, heart conditions, respiratory conditions, upset digestive system and low immunity. Nothing will reduce your stress more than allowing a financial planner to assess your finances and create a sensible workable plan to get everything manageable for you.

Depression: Not being able to see any way out of the financial hole you are in can lead to serious depression. This can be magnified when you have children, for whom you feel unable to provide for properly. At its extreme, depression can bring suicidal thoughts so seeking help is essential. Instead of being depressed about money worries, a financial planner can give you hope that there is a way out the situation you are in.

Fatigue: Trying to cope with money worries can be draining, both physically and mentally. In addition, one of the ways you might have tried to improve matters could have been to take on a second job or work more hours. There is nothing wrong in this as such, but if they mean a significant lack of rest or sleep, added to worrying about money, your health can deteriorate. With the help of a financial planner to look at ways of reducing your outgoings so that the need to work so many hours is removed.

Workplace Harassment – Fundamentals and Beyond

June 17, 2018 Free Web Shop Business & Legal Advice

The past year has seen an explosion of harassment claims in the employment marketplace. No business sector has been left untouched: Hollywood, Las Vegas, Professional Sports, the Education Sector as well as well established businesses have all seen high profile, highly toxic revelations about misconduct in the workplace. Commercial lawyers will tell you this is dangerous territory for a company, and building friendly connections between your employees and other staff through activities like those provided by Team Building Perth, can help build staff morale and stop the sexualisation of staff members by building healthy workplace relationships.

A few examples in popular culture stand out:

Hollywood: Hollywood, particularly the revelations about Harvey Weinstein has been the focal point for many of the claims. Celebrity newscaster, journalists, movie makers, musicians and even chefs have all seen their share of upsetting revelations. To name just a few: Matt Lauer, Ben Affleck, Dustin Hoffman, Geraldo Rivera, Steven Segal among many others.

Las Vegas: The gaming industry has not been immune to its share of harassment claims, Steve Wynn, the CEO of Wynn Resorts and perhaps the most high profile figure in Las Vegas suddenly stepped down as Chairman and CEO after allegations surfaced chronicling a years-long pattern of abuse.

Sports: The University of Arizona fired coach Rich Rodriguez after sexual misconduct allegations.

Automotive: Raj Nair – Ford’s president was ousted for unspecified inappropriate behavior.

Politics: The number of offenders in this category are almost too numerous to mention, but a few names of those accused of misconduct are: Bill Clinton, Senator Al Franken and Judge Roy Moore.

Unfortunately, the phrase sexual harassment has been so co-opted into our modern vocabulary that it sometimes leads to erroneous idea of what “sexual harassment” actually is. To clear things up, let’s go straight to the law, Title VII of the Civil Rights Act of 1964:

What Is A Farm Management Deposit And Should I Use One?

May 22, 2018 Free Web Shop Business & Legal Advice

When it comes to accounting and bookkeeping for small businesses, one of the hardest things to control is your profits and losses for the year. This is especially true for businesses owners like farmers or fishermen who can earn highly variable incomes.

Luckily, the Australian government has made a number of allowances for people who own businesses like this to make it easier for them to keep their business taxes in order. One of the more popular things that they have done is introduced something called a farm management deposit.

What is a farm management deposit?

According to the Australian Taxation Office (ATO), farm management deposits are designed to help primary producers deal with the effects of having a highly variable income. For example, in drought years, a farmer may make a complete loss, meaning that they don’t have any taxes to pay. However, in a good year, a farmer may make more than enough money, pushing themselves into the top tax bracket. In this case they would pay a lot more tax than would necessarily be fair.

Farm management deposits provide something of a compromise, and help primary producers pay something of a fairer amount of tax. Basically, on very good years, you can make a tax deductible farm management deposit, which will reduce your taxable income. You can then withdraw this deposit on a poorer year and pay tax on it then. Although the benefit of doing this may not seem obvious immediately, you will obviously pay less tax by keeping more of your income in the lower tax brackets.

What are the benefits of using a farm management deposit?

There are a lot of benefits associated with using farm management deposits. Some of these include:

Farm management deposits can help you minimise the amount of tax that you pay. This is obviously a good thing (unless you like paying tax!), especially if you are a primary producer who struggles to make a decent income.
They can help you spread your income evenly across every year. As a primary producer, it can be hard to get through drought years if you don’t have a decent financial buffer to fall back on. Farm management deposits can help you get through these tougher years.

3 Web Design Trends for 2018

March 30, 2018 Free Web Shop Web Design

Whether you’re experienced or a complete beginner in web design, a good looking website is a crucial element of the online presence of many businesses. It is the one digital medium which is constantly seeing changes from one year to the next. With trends in web design shifting from one thing to another in almost a blink of an eye, it is important for businesses to keep their company’s web design up to date with the latest trends or they risk being left behind.

2017 saw many technological advancements impacting the digital realm and with more and more traffic moving to mobile devices, it is only logical to point out that web design is now going to be more focused on making websites mobile friendly. Here are some of the most notable changes in the trends for web design that will be important in 2018.

Vibrant Color Themes

One thing that is for sure going to be important 18 years into the new millennium is the excessive use of vibrant colors in the online realm. In the past, technology had not advanced enough or was not very accessible to everybody so web design was limited to making use of color schemes that would be easier to handle for devices across the board. That will no longer be the case in 2018.

5 Ways To Get The Best Results From Google Adwords

August 7, 2017 Free Web Shop Web Marketing

Google has such a dominant position within the search engine arena that anyone who wants to use the internet to promote their business, needs to know how to rank highly within its search results. The problem is doing it the free way via SEO can take months with no guarantee that your website will ever get close to the first page. The second way is to use Google Adwords which is quicker, and sometimes instant, but which also costs money.

To make the most effective use of Google Adwords and to also get the monetary returns you want for your investment there are some basic criteria you need to follow. By following these 5 tips your ads will perform better, get more clicks and thereafter get more sales.

#1 Competition Research

There are businesses large and small who have lost thousands of dollars by setting up Adwords campaigns without proper research. The research should definitely cover your competition to see what sorts of ads they are posting. Never copy them but at least ’emulate’ what the top ads are doing.

ATO Checklist for a Deceased Estate

May 6, 2017 Free Web Shop Business & Legal Advice

When a person dies their estate must be ‘administered’ which can mean different things for a person who owned a business than for someone who did not. If the deceased person was a business owner, it is important to seek advice from a lawyer immediately as there are many things to know about and to do, especially when it comes to tax compliance.

If the persons who has died was near and dear to you it may be difficult to focus on the administration of their estate, especially if it includes a business that is operational. If this is the case you may want to appoint a deceased estates lawyer as an executor. This will save you a lot of stress at a time you are least able to bear it.

Otherwise, it is important to know exactly what you should do as the executor of the estate. Here is an ATO checklist to help you.

Find out if the deceased had a Will and who they appointed as executor. You may already know this if it is yourself. If not, the public trustee in your state may be asked to act on behalf of the deceased.
If you have been appointed executor, you may need to establish your ID and authority in order to deal with the tax affairs of the deceased.

How to Avoid Legal Issues in Business

February 6, 2017 Free Web Shop Business & Legal Advice

Once you start running a business, whether it be a local plumber or painter, you are likely to find a whole host of legal issues that must be solved quickly to avoid fines, litigation and loss of reputation, amongst other things. The best way to do this is to have good lawyers on hand so you can get the advice you need quickly. Keeping the same business solicitors is best, because they will be familiar with your business and know exactly what is likely to be a problem and how to avoid it.

It is far better for your business and your peace of mind to avoid a problem than have to solve it. Working to solve a problem will take a lot of time and effort away from running the business, even though this must be done. Avoiding the problem in the first place will cost a lot less, even when you take into account paying your legal advisor.

Don’t let problems escalate

Many problems tend to escalate, especially if you don’t get onto them straight away. The end result can be litigation or having to appear in court for another reason; both scenarios are something to be avoided at all costs. Even a small business can suffer from legal problems, especially if no legal aid was sought in the beginning. It is common sense in business to surround yourself with professionals who can guide you through what appears to be a maze of legalities.

5 Concepts to Help Keep Your Brand Relevant

January 17, 2017 Free Web Shop Web Marketing

Most business owners give some thought to branding their company, however if you are only just going online with your business, some of what you know about branding may be old hat. It is important to keep up with the times, which is why you are now getting an online presence. But what you did for your offline company may not work for an online one.

Here are 5 concepts to help you keep up to date with branding.

Yours is not the only business in the market and those that have gone before you – and are still there – have done the work of defining the brand for your industry. What you need to do is see it is delivered on a consistent basis on your website. To do this you need a brand strategy that defines what you stand for including what you promise and your personality.
People are not as trusting as they used to be. Rather than take note of advertising from a company, they prefer to ask family and friends or even total strangers what they think. Why? Because these people don’t stand to gain anything by promoting a company they like, so their opinion is real and authentic.
You need to find out what is really working with your marketing strategies and the only way to do that online is to track everything. It is only by examining the results carefully that your marketing team can say for sure what is working and what is not working. They then have to double their efforts on the former and quit the latter to ensure a good ROI.

How a Healthy Appearance Can Advance Your Career

January 3, 2017 Free Web Shop Business & Legal Advice

It’s a well-known fact that psychologically speaking, people feel better when they are surrounded by a beautiful setting and in business, this includes the appearance of employees. Management in business usually understands this, which is why employees are chosen partly by their looks, especially for those positions that have to do with the public. Employees that want to make the most of their business opportunities often choose a Botox to give them a youthful and healthy appearance.

A Botox treatment can certainly give you a more youthful and healthier look by removing facial wrinkles. Wrinkles between the eyebrows and across the forehead not only make you look older than you are, they can make you look harassed and bad-tempered. This is not the image you want to project in the office.

Rather, you want to look stress free and in control, to project the image of a person at ease in their job; someone who copes well with whatever they have to handle. In this way you will give the impression of being in control while ensuring that there is no bad tempered look on your face, which can easily turn people away from dealing with you.

3 Steps to an eCommerce Website

December 8, 2016 Free Web Shop Web Design

Having a successful ecommerce website from which to sell goods globally is the dream of many people. It would allow them to work from home or have a second job that could be done from home while they still keep their day job. Some people have become so successful that they were able to give up their day job altogether.

If you dream about doing that, it’s a good idea to put some thought and research into it first, so here are 3 steps to help you.

- Choose the product. It may take some time to work out what is best for you. It needs to be something you are interested in or even passionate about, that is also a popular product in the market. There is no point in trying to sell stuff that no one wants. Choose a product by (a) the selling price – it needs to be enough to give you a good return over your investment (ROI). So make sure your cut on the sale is enough to make you a nice profit. (b) Make sure the product is not available in locally. If people can’t get it locally they have to go online to shop. (c) Make sure the product is not too big and heavy, or shipping costs will be very expensive. It should not be breakable either so less packing will be needed.

Who Should you Use for Conveyancing when Buying a Business

October 12, 2016 Free Web Shop Business & Legal Advice

A commercial lawyer along with a digital agency is the best combination to provide professional legal advice for any conveyancing work when purchasing a business. Conveyancing is the transfer of a land title from the seller to the buyer and is the last chore in a long list of things to be done when purchasing real estate. Not everyone will need to purchase the land and buildings when buying a business because often these are leased and you just take over the lease in order to continue running the business.

However, in some cases it is necessary to also buy the real estate which consists of land and buildings, but is generally referred to as property. Sometimes you simply purchase the property with no business and you then have to have a suitable building erected and apply to startup your own business there. Since these proceedings can take many months, most people prefer the property lease option.

If you do go the route of purchasing property it can be dealt with by a conveyancer, but they are not legally allowed to give financial advice or do legal work that is not considered to be part of the property transfer. What can they do?

Prepare agreements to do with the conveyancing
Complete transfers
Draw up leases
Deal with mortgages

Just How Receiving Stolen Goods Is Illegal

October 11, 2016 Free Web Shop Business & Legal Advice

Have you ever been offered the sale of goods that were just “found” by the seller? Maybe when you asked about the origins of the goods, or how the person came into possession of them, you were answered with a sly smile and told they “fell off the back of a truck”. While it might seem like a stroke of luck to be there at the right time in order to take advantage of these “bargain” items—it’s more likely that the law is being broken. Many people will be surprised to learn that receiving these types of goods is in fact illegal.

It seems like a harmless thing, buying some cheap goods that mysteriously turned up. The lawyers opine that after all, you don’t know where they came from, so how can you be culpable if there was any crime committed? There are many different aspects to this offence, so there’s no need to become suspicious of every single item that you see for private sale.

Technically, it is an offence to receive stolen property if you are aware that they were actually stolen. There is absolutely no question about what this is, and no grey area to think about. If you’d like to get technical and see the actual offence guidelines, taken from the Criminal Code 1899 of Queensland, here they are:

New Crowdfunding Laws Might Affect Startup Capital Raising in Australia

May 18, 2016 Free Web Shop Business & Legal Advice

Legislation changes have been passed to allow public companies, which are unlisted, to use crowdfunding to raise money from small time investors (otherwise known as “mum and dad” investors). This legislation has been successfully passed in the lower house of parliament.

There was a lot of criticism of this bill from the opposing parties. The bill will allow companies to raise as much as $5 million, even if they are not listed, and have a combination of assets and turnover that is less than $5 million already. This can be done once per year, using the highly popular method of crowdfunding.

Those who are wondering what exactly crowdfunding is, might need to consult experienced commercial lawyers or do some research on the subject. But a basic explanation is, crowdfunding allows people and companies to ask for money from potential customers and investors, for products, services, and business ventures that have not actually come into fruition yet. This type of thing is commonplace in countries like the USA, so many people see no issue with bringing that kind of practice to small businesses in Australia. After all, small companies are typically in need of the most help from legislation. However, there are some deeper issues to look at.

What You Should Know About Liability Insurance for Directors and Officers

March 18, 2016 Free Web Shop Business & Legal Advice

Liability insurance for directors and officers has typically been viewed as a routine thing, in the past. It’s just one of tasks things that needs to be done, and many people give it little thought. However, it is important to understand what the implications of this “box ticking” activity really are.

Here are some of the most important aspects of these insurance policies, as well as the potential problems that might be encountered. These pitfalls should be carefully noted or get some expert advice from lawyers, to avoid falling to them.

Notification Timing

Different policies will typically vary, regarding what will trigger a notification. That means directors and officers will not always be notified by the same events, depending on their company and the policy it holds. If an insurer is notified, it is important to be aware that proceeding events might not actually be covered. This will, of course, run the risk of exposing directors and officers to potential claims, even though they believed they were covered.

How AdWords Can Help Startups

February 15, 2016 Free Web Shop Web Marketing

Starting a business is never easy, and quite honestly, one could use all the help they can get. With few options and limited budget using features like Google AdWords is among one of the most effective ways to get the kick start that we want. In fact if AdWords are utilized skillfully and strategic search campaigns are conducted then a startup can soon grab investor’s attentions, give a heads-up to the startup if they are heading in the wrong direction and help them stay up-to-date with the latest features and ideas and more importantly help them get the attention they need in order to begin on the right note.

Listed below are some of the ways in which AdWords can help a startup:

1. Gmail Ads:

Gmail Ads are one of the most interesting and helpful tools for the startups to get the instant attention of their audiences and gain maximum exposure. Interesting thing about businesses is that we are only aiming to snatch out competitors customers. For instance everyone use mobiles, but some use Apple’s while others use Samsung’s. Now with all the marketing and advertisement Samsung is just trying to grab the customers of other mobile manufacturing companies and not looking to find a new target audience.

Squatters and Property Title Claims

December 25, 2015 Free Web Shop Business & Legal Advice

You really don’t need to be any sort of expert to know that Australian property prices are incredibly high, even compared to other affluent countries around the world. The dream of owning one’s own home seems to grow further and further for the average Australian citizen, but what if there were an alternative? Getting familiar with this little term might help: “adverse possession”.

While this type of talk might be little more than hyperbole for the typical person, it’s a rather interesting law and one can gain understanding of it, though not expertise of lawyers, which is worth learning more about.

What Is It?

Simply put, adverse possession relates to a person gaining title over a property that they have been living at for a certain length of time. The truly interesting thing about this law is, the “squatter’s” title to the property might actually grow greater than that of the real owner.

4 Key Elements to Developing Modern Web Design

November 22, 2015 Free Web Shop Web Design

There are numerous plans you can follow when it comes to building a website. However, the basic points remain the same. If you want to generate higher traffic, it is very essential to focus on a few critical factors when developing good looking and effective web design.

You should take in consideration whitespace, great images, clear calls-to-action, search functionality and other elements that can make a lot of difference. Some of these key elements are described below:

Right Use of Spacing

When it comes to an effective web design, it is very important to manage space effectively. It helps in dictating flow, readability and navigation of the page. More designers now use space in an effective manner to increase web traffic and increase user engagement.

The key is to use spacing between lines of text, expanding open space and maintaining spatial relationships. There should be a consistency in spacing and the amount of space between lines should remain the same throughout a page. The right usage of space is also essential in creating a focal point. Any image or text which is surrounded by white space will seem larger and heavier than other material on the page.

Do These 3 Things Only If You Want to Get Banned from Google AdWords

October 26, 2015 Free Web Shop Web Marketing

While to normal people, this may sound as nothing big, but believe me when I say that getting banned from Google AdWords might be a living nightmare for advertisers and online business owners. No one will be happy to have worked day and night to drive traffic on their websites only to receive the horrifying mail from the Google carrying the news about the dreaded ban.

In some cases, the ban serves as a warning and allows the advertisers to reinstate some of their accounts. However some bans are of more serious nature and may lead to the companies never being allowed to advertise on Google again. Terrifying right?

So in order to save you from ever experiencing this, we have put together a list of common reasons and mistakes that will definitely be legal landmines for your online business and put you at a risk of getting banned from Google AdWords. Read on and learn:

1. Free of cost but not really:

Ever had the experience of downloading an eBook that says free download only to be directed at a page that’s says free version is too slow, why not buy the premium one? And then true to their word, the free download is so slow that you could actually wake up from a nap while the book downloads.

Another offending example involves downloading software for your PC only to find out that you had to fill 100 something forms in order to get what you came for.

Generate More Traffic by Observing Your Competition

October 3, 2015 Free Web Shop Web Marketing

One of the major goals of SEO practices is to help business owners generate more traffic for their website and almost every SEO practice revolves around this concept only. If you are looking for ways you can boost your site’s traffic, one simple strategy is to pick out one of your leading competitors and have a look at what they are doing, what keywords they’re using, business directory they are registered and how they are doing it.

If you feel that despite using the right keywords you are still not being able to get the desired amount of traffic, analyze the keywords your competitors are using, the ones that are apparently getting them so far ahead in the competition. A large number of tools available online cannot only just help you in identifying the keywords of your competitors, but they also tell you the exact number of searches that are being done for each of these keywords. Once you have picked out those keywords, start incorporating them in your site’s content.

Other than keywords, another thing that you can observe is the sites that are linking themselves to your competitors. Getting high quality links from other websites is considered as a highly effective SEO strategy that helps with improving search engine rankings. However, a thing to remember here is that these links need to be high in quality and the only way your competitor’s sites is going to want to link itself with you as well is when you have high-quality content as well.

The Innovation of AdWords for Smartphones

August 29, 2015 Free Web Shop Web Marketing

I believe it would be unfair to say that the mobile era is coming and soon it will take over everything. The truth of the matter is; it is already here.

Gone are the days when we used to wait till we got home to put in our search in the Google machine. Every year, a large number of searches are conducted on Google and more than half of them are done using a cell phone. Google verifies that a large number of web traffic is coming from tablets and Smartphones.

When millions of people use their cell phones to search and check web pages then why not marketers be given a chance succeed in the same forte? Thanks to Google now, they have brought some very interesting and innovative changes in their AdWords campaign that will help marketers think and work in the most updated way.

In the latest Google performance summit of 2016, we get to hear some really interesting news from Google and how it is reshaping and reimagining AdWords to accommodate the smart phones era.

Let’s have a look at some of these highlights:

1. New mobile Ad formats for a number of industries:

Keeping in mind some of the most searched items on mobile, Google talked about mobile ad formats for four niches, namely: shopping, finance, travel and automotive. While this was all great and fantastic, we all had the same question in our mind – what about all the remaining industries? Google being smart, unsurprisingly confirmed that there will be mobile formats for other industries too. Text ads will be made user friendly for the mobile users so the customer’s would be able to reach an answer faster–which is the ultimate goal of Google.

5 Benefits of a User-Friendly Web Design

June 2, 2015 Free Web Shop Web Design

Considering the fierce competition in the digital market, you can never be too user-friendly for your audience. But according to a digital agency slinky.digital it can be very difficult to implement unique marketing strategies to attract your targeted users.

Slinky Digital says that developing an effective web design for your site is one way you can get the attention of your potential buyers. Although there are countless technical and promotional benefits of a good web design, some of the most common web design etiquette include:

1. Increased Activity on Your Page

You will be able to engage more visitors to stay on your page. Since the basic objective is not to only attract visitors, but to turn them into customers, you need someone to go through the different pages of your website, read your content, know about your services and take the necessary actions as suggested on the site.

If your website does not have a strong web design, most people who get to your page will leave immediately. A website needs to be build to create sufficient interest on the user’s part.

My Not So Fair Share – Trends in Family Provision Claims

January 9, 2015 Free Web Shop Business & Legal Advice

The personal and often emotional issues that arise when people’s expectations are not met by the decisions of a will maker often give rise to thoughts and actions premised on entitlement and occasional avarice. However, the usual “pub talk” that follows can be a slippery slope of disaster and it is worthwhile occasionally reviewing what the Court’s attitude is towards the genesis of a family provision claim rather than just relying on commonly held beliefs.

Courts will frequently ask the wills lawyer to present the nature of the estate such as its size and the composition of its assets and liabilities as well as the financial position of the parties. In Darveniza the Queensland Supreme Court awarded $3m out of a $27m estate to a son who had performed significant amounts of work in the deceased’s business relying on certain promises of provision. Similarly, in Mead the Western Australian Supreme Court ordered $25m paid to the daughter of a relationship between the testator and his former wife, from whom he was divorced. The estate was agreed to have a value of at least $1Bn and the testator, who was in his third marriage at the time of death had some obvious issues with the daughter and left her approximately $3m inside a trust that made it almost impossible for her to actually receive the money. The case is currently on appeal.

5 Common Mistakes in Web Design That Drive Visitors Away

December 15, 2014 Free Web Shop Web Design

Website owners do their best to attract, hold and retain the interest of their users. They promote their webpage on various social media platforms, invest in web design and hire the best professionals to generate optimum results. However, more often than not, the website fails to capture enough attention. In most of the cases, this is due to a simple mistake on the web designer’s part.

Mistakes that seem very small on the surface can significantly impact the appeal of a website. Usually, the fault is so subtle that it is hard to even pinpoint. However, it can drive hundreds of visitors away every day. So, what are some of these understated errors that are doing so much harm? Let’s check them out!

1. Broken Links on Site

This is one of the strongest reasons for why people usually leave a website. If a visitor wants to reach another page on your site but the link is broken, it can leave a very bad impression. Any bad links, hyperlinks that redirect to the same page, links that do nothing or lead to error pages can be very frustrating for the users. The best way to get rid of such errors is to constantly keep a check on your web pages. It is also important to include a ‘Contact the Webmaster’ option, in case any emergency arises. This way, users will have minimum difficulty in navigating through the pages.

Overly Accommodating – The Utility of Life Interests

November 23, 2014 Free Web Shop Business & Legal Advice

Once the weapon of choice for wealthy land Baron to provide for a surviving spouse while keeping the land asset in check, a life interest is used by lawyers as a tool to balance different interests between beneficiaries. An example of a modern use of the tool is to counter the surviving spouse remarrying, where there is a competing need to provide for a spouse as well as a need to preserve or quarantine the asset for the benefit other beneficiaries.

In those circumstances the life interest is regarded as beneficial to secure the property so that the children can be raised in it; and subsequently it can also be passed to them once the interest of the surviving spouse has ceased.

The use of a life interest is also prone to some down-sides in the form of its inflexibility and are frequently the victim of inadequate drafting, particularly the life estate agreement.

Author: Free Web Shop