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Living Wills Review - Five Reasons Why You Must Have Have A Living Will
by Gerard Cassagnol
With the current coronavirus epidemic, the need for living wills has once again become a major legal issue.
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Living wills and advance directives have lately become the hot topic of discussion with the case of the brain-dead pregnant women in Texas going to the courts to decide. While her individuals rights versus Texas state law makes for a heated debate, the real question for most Americans and Canadians should be 'What happens if you don't have a living will and the unthinkable happens?'

Thousands of people each year experience an incident that leaves them in an incapacitated state. This is where a living will
​comes into play. A living will, 
which can also be known as an advance health care directive or 
advance directive, is a set of instructions given by you, allowing for what types of medical intervention and treatment you would like to ​
receive, if your are in a state where you cannot make decisions for yourself. If you don't have a living will, you leave these decisions to someone else.
1. So, there by itself, is the number one reason for having a living will. Now let's break down the other 4 major reasons why you should have a living will:
 2. Avoid Family Fighting. Imagine what not having a living will could do to your family. If you haven't made the medical decisions that are
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Legal Plan: Does Your Family Need Legal Protection?
We all know that America is home to the most litigious society on the planet. A woman spills a cup of coffee on herself and sues the restaurant claiming it was too hot. Or how about the Judge that sued the cleaners for $54 million for losing a suit. If that's not crazy enough, how about the concert goer, who several years after the incident, sued the rock star for falling on her and injuring her with his buttocks. You can Google “outrageous lawsuits” and get over 3 million results that include stories even more ludicrous than these. When you consider that there are 3 lawsuits filed in America every second, is it any wonder why legal plans are becoming a big part of the financial and security protection for families and small businesses? Remember, sixty years ago it was uncommon to own a health plan. Today it is uncommon not to have one. And today, many European countries 
have as much as an 80%
​participation rate with legal plans. But in America, and Canada for that matter, less than 10% of people have a legal plan.

So a law suit is one thing, but what about the everyday common things that can cause our veins to pop out of our heads. 
Here's one: A father pays for his daughter's wedding reception to be held at very nice ball room. A few hours into the event, the plumbing goes out. He calls the event manager to request emergency services, and they arrive with a port-a-potty. After the event, when he calls to register a complaint, they offer a small refund of about $100, about ten percent, arguing that the event was almost over anyway. They haggle back and forth, and the owner basically says take it or leave it. The father calls his legal plan provider law firm for assistance. ​

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FEATURE ARTICLE
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What You Should Do When Stopped By The Police
With the recent events around the death of George Floyd at the hands of police, many are asking the question of what to do if detained by police. This article, though written years ago, offers suggestions. 

If you are like most people, whenever you see those red and blue lights, accompanied by the noise of sirens blasting, your heart beat speeds up and you feel like you are about to experience a nervous breakdown.

It happens tens of thousands of   
times everyday across America and Canada, and no matter what the circumstance, that driver is sure to experience a change in their mental - and often times, physical – state.

All kidding aside, in today’s litigious society, there are certain “do’s and don’ts” that every driver should exercise whenever a police officer pulls you over.  How you choose to use, or not use, these suggestions, could very well determine the outcome of your unfortunate incident.
If You Are Stopped By The Police While In Your Car...

    1.) As soon as you notice the police emergency lights pull your vehicle
        over to the right as soon as it is safe to do so.
        a.) Although you might not know the reason, you should pull over right
            away.
        b.) You may have committed some minor traffic violation without
             realizing it.
        c.) There may be some problem with your vehicle of which you are
             unaware.
    2.) Remain in your vehicle while the officer approaches.
        a.) Do not attempt to get out of your vehicle or approach the officer.
        b.) Exiting your vehicle does not assist the officer and may be...

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Critical 'Must Haves' When Starting A Small Business

by Gerard Cassagnol
Even with the current coronavirus epidemic, now is a good time to start a small business.  

Starting a business has been an integral part of the American dream for hundreds of years. This is the segment of the business world that has helped this country grow during its infancy, and it has been a mainstay in helping to keep the American economy afloat ever since. With all of the changes
​that all of this growth during the 
 years has brought, the most 
important thing a person needs 
when starting a small business is knowledge. The amount of training and assistance that is available is staggering to say the least. What you need is to focus on what type of business you plan on operating, and find the assistance and training that is applicable to that field. 

The time involved to get trained will depend on the type of
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Identify Theft Gone Wild: How Do You Protect Yourself And Your Family?
by Gerard Cassagnol
With the current coronavirus epidemic, Identity Theft is again having upsurge in occurrences. Now is a good time to take steps to protect your identity.

What do forty million shoppers at Target all have in common? They have each been victims of identity theft. As has been reported on every major media news outlet, these customers' credit card information was stolen from one of Target's data bases over a period of a month. And the culprits have used these  
customers' information for their own financial benefit. These heart wrenching stories are now starting to surface. There were lawsuits as well, with one woman claiming she can't pay her bills because the thieves used the money on her debit card. While her bank will investigate, and more than likely replace the stolen money to her in a week or two, there is still the
​headache of “overdraft fees”, 
utilities being cut off, and a host 
​of other nightmare situations. 
​
The sad, but true fact is that  
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