Legal Resolutions for the New Year
While everyone is resolving to work out a little more, spend less time at the office, or to stop smoking, its also time to make some legal resolutions for the new year.
1. Designate a Health Care Surrogate.
Its quick, its easy and resolves many problems in the event that you cannot make informed decisions about your own health care.
2. Make a Will.
Do you want the government to divide up your assets in the event of your death? Well that is what happens when you pass away without a will. Making a will is not that difficult and will resolve many issues with regard to the passing of your property.
3. Check Your Credit Reports.
In this climate of identity theft and the dissemination of personal credit information, it is imperative to ensure that this private information is not being misused. For a nominal fee, sites like myfico.com, lifelock.com or freecreditreport.com offer a review of all three credit reporting companies reports.
4. Change Your Passwords.
If you utilize e-banking or internet shopping its a good idea to periodically change your passwords. Also, the most secure passwords include a combination of both letters and numbers.
5. Re-Evaluate Your Insurance Needs.
Ensure that the values of the property insured are commensurate with your insurance coverage. Also, many policies require that you specifically list or "schedule" newly acquired items of personal property, such as jewelry, china or artwork. Finally, ensure that you have an accurate inventory of the contents of your home and/or a video of the condition of the interior of your home, which shows electronics, china or other items you value.
While it might be a little more difficult to keep traditional new year's resolutions, consider making a few legal new years resolutions. | 
