25 P a g e MOLD, ASBESTOS PROBLEM AND DISASTER RESTORATION The Problem Possible Reasons What You Can Do If your home has mold, what you need to know about it or you have asbestos in your home or do you have chronic health problems Allergies, Chronic Fatigue, congestion, Depression, Ear Aches, Flu symptoms, High Fever, Pain in Joints, Sleep Loss, Hallucinations, Skin Erosions, fungal nail Growth, Headaches and many , many more.... Reasons to create a will Designate the persons or organizations that will receive your property after your death • How your property will be distributed after your death • To designate the person who will carry out the terms of the Will • To designate who will have responsibility for any minor children if the other parent is unable to serve as the natural guardian Before you begin Information you may need • Names and addresses of the Beneficiaries, the person and/or organizations who will receive the property • Name and address of the Executor, the person or organization who will carry out the terms of the Will • Names and addresses of any children • The name and address of the person who will have the responsibility for any minor children, if the other parent is unable to serve as the natural guardian • If a trust will be created for the benefit of minor children, the name and address of the person or organization who will have the responsibility for managing the trust assets • A list of “bequests,” that is specific gifts, that will be distributed first, and the names and addresses of the persons who will receive them • Information regarding the value of your estate, including the value of all assets plus life insurance proceeds Reasons to update • A change in marital status • The birth or adoption of a child • A move to another state.. (Each state may have different requirements.) • A significant change in financial status • A significant change in tax laws • The death of a beneficiary • A desired to add, delete or change beneficiaries
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