Brought to you by:
Jeffrey N. Schweitzer, EPA, CEP, ATP
Northeast Financial Strategies Inc
667 South Street
Wrentham, MA 02093
800-560-4637
jeff@nfsnet.com
http://www.nfsnet.com


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About Our Firm:
 Offering Financial & Estate Planning, Investments, Insurance, Accounting, Payroll, and Income Tax Preparation for Individuals & Small Business. "Financial Strategies That Fit YOUR Needs!"
QUOTES from the Masters...
On Self-Limiting Beliefs On Sowing and Reaping/Law of Reciprocity
"Being challenged in life is inevitable, being defeated is optional." -- Roger Crawford

"We would accomplish many more things if we did not think of them as impossible." -- Chretien Malesherbes

"If a man harbors any sort of fear, it percolates through all his thinking, damages his personality, makes him a landlord to a ghost." -- Lloyd C. Douglas

"You will become as small as your controlling desire; or as great as your dominant aspiration." -- James Allen

"Life is a process of accumulation. We either accumulate the debt or the value, the regret or the equity." -– Jim Rohn

"You will be more successful indirectly in relationships rather than directly.  To have a friend, be a friend.  To impress others, be impressed by them." -- Brian Tracy


Retirement Readings Living Wills


What Is a Living Will?

"Living will" is a term commonly used to refer to a legal document available in most states that allows an adult to state in advance whether or not life-sustaining medical procedures should be used to prolong life when there is no chance for a reasonable recovery.

Why Should You Consider a Living Will?

Reasons to consider a living will include:

  • A belief that adults have the right to control medical decisions regarding their care, including the right to refuse or withdraw life-sustaining treatment.

  • Concern about the suffering and loss of dignity that can occur when life-sustaining measures are used to prolong an inevitable death.

  • Easing the emotional pain the family might otherwise have to suffer in making such a difficult decision.

  • Relieving a doctor's and hospital's fears of liability in withholding or withdrawing treatment.

  • Language concerning organ donation can be included in a living will.
How Do You Implement a Living Will?

While the validity of a living will is determined by state statute, the requirements generally include that the document be (1) in writing, (2) dated, (3) signed and (4) witnessed by two people who are not related to the declarant and are not heirs of his or her estate.  In addition, doctors and their employees, as well as hospital employees, are generally not acceptable witnesses.  Consult your doctor or attorney for more information about the availability of a living will in your state.

Once a living will has been executed, copies should be given to close family members, the primary doctor and the family attorney.

A living will can be revoked at any time by destroying the document and any copies or by signing a notarized revocation of the document.

MESSAGES from the Masters...
10 WAYS TO BURN CALORIES WITHOUT EXERCISING by Steve Kendall

Health and fitness expert Covert Bailey once said, "Fit people waste their energy while unfit people save their energy." The trick is to find ways to waste your energy while carrying out your routines. "Human effort" energy is like time:  You can't save it to use at a later date. The old saying says it best: "If you don't use it you lose it."

The following are 10 ways you can burn calories and get your tasks done by wasting some of your stored energy.

Mow with the flow. Mow the lawn with a push mower. You can save "fossil fuel" energy and doing it manually will burn off last nights' dessert.

Step it up. Use the stairs instead of the elevator or escalator. Not only will you burn calories, but you will also have the stairs all to yourself.

Work with me. Walk or ride a bike to work if possible. If you commute on mass transit, get off at the previous stop and walk the rest of the way.

Park and shop. What do most of us do when we go shopping? We look for the cherished parking spot nearest to the store entrance. Some of us continue to drive in circles until the perfect spot becomes available. Why not park away from the crowd? You will burn calories by walking and save your car from parking lot dents and dings.

Homework. Do your housework with vigor. Put on your favorite music with an up-beat tempo and work at a much quicker pace.

Walk this way. Go for a walk. Take a friend, neighbor, co-worker or a dog (yours or a neighbors) and go for a brisk walk. It is low impact, convenient and free.

Clean it up. Wash your dishes by hand. By cleaning them manually and at a quick tempo you burn calories and save on your electric bill.

Rake it in. Raking leaves at a vigorous pace for 20 minutes is the equivalent of running one mile.

Drink it down. Drink eight pints of ice water a day. According to "Men's Health" magazine your body will expend 123 calories of heat daily to warm the water to body temperature. That amounts to losing a pound a month.

Eat breakfast. According to research at Duke University, those who skip breakfast eat more later and choose foods higher in fat and calories.

The bottom line:  Look at the routines you currently maintain. See if you can find creative ways to continue doing what you already do, only with added health benefits. You will find it much easier done than said.

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The purpose of this newsletter is to provide information of general interest to our clients, potential clients and other professionals.  The information provided is general in nature and should not be considered complete information on any product or concept described.  For more complete information, please contact my office at the phone number above. 

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