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What is Power of Attorney?
 by: Gay Redmile

Power of Attorney is a legal document where one person authorizes another to act on his/her behalf. It allows that authorized person to manage business and/or financial affairs when one person is no longer able to do so. It may be required due to illness, overseas travel or mental incapacity.

Why is it important to organise a Power of Attorney? Should you be considered incompetent to deal with your finances – you need somebody else to be authorised to deal with your affairs. A Power of Attorney document allows you to choose the person, with defined authority and limits if desired, the power to protect, or re-arrange, your assets.

The person named in a Power of Attorney to act on your behalf is referred to as your “agent” or “attorney-in-fact.” With a valid Power of Attorney, your agent can take any action permitted in the document. Often your agent must present the actual document to invoke the power.

If you do not have a Power of Attorney and become unable to manage your personal or business affairs, it may become necessary for a court to appoint one or more people to act on your behalf. Usually referred to as guardians, conservators, or committees. If a court proceeding is required then you may not have the ability to choose the person who will act for you.

By executing a Power of Attorney for Finances (also referred to as a Durable Power of Attorney for Finances) you can decide who you want to make decisions about your legal and financial matters. You can be very specific about what actions you are authorizing your partner (or agent) to make, including which accounts he/she has access to and the types of decisions he/she can make.

A Power of Attorney for Health Care allows decisions to be made specifically on what kind of treatment the person wants, based on their medical condition.

A Living Will in some ways duplicates the information in the Power of Attorney for Health Care. It is a separate document that lets your family members know what type of care you do or do not want to receive should you become terminally ill or comatosed. It can also cover situations in which a person may survive but is not capable of making their own medical decisions.

It can be a directive stating that there is to be no heroic measures to keep the person alive when there is no realistic prospect of any meaningful recovery.

An Enduring Power of Attorney is a legal document authorizing a named person or people to act on your behalf. Subject to certain conditions it continues in force until death.

Guardianship is a legal relationship whereby a probate court gives a person (the guardian) the power to make personal decisions for another (the ward).

A family member or a friend can initiate the proceedings by filing a petition in the probate court where the person lives. A medical examination by a licensed doctor may be necessary to establish the person’s condition. A court of law will then determine whether that person is unable to meet the essential requirements for his/her health and safety.

As long as you are alive you have the power to revoke the Power of Attorney. To do this you must contact your attorney-in-fact to advise that the Power of Atorney has been revoked.

You can also specify a date that the Power of Attorney will expire.

A Power of Attorney is also important for unmarried couples, who live together, when a partner becomes incapacitated and unable to make decisions. When this occurs the law usually assigns the incapacitated person’s next of kin as the decision maker. With a Power of Attorney, unmarried couples can give their partners the power to make decisions.

About The Author

Gay Redmile is the webmaster of several finance and investment sites. Having recently been named as Power of Attorney for her father – she realised how important it was for people to be aware of the implications of not having one in place. For further information and the latest news and articles visit her site at http://www.powerofattorneyhome.com.

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Setting A Festive Table – Tips For A Striking Presentation
 by: Bob Kiefer

You’ll be slaving over a hot stove for hours, preparing a feast fit for kings this Christmas. From the turkey to the desserts, you put love into every recipe, and your family digs in with gusto. Why not add some festive touches to the table as well, and make the presentation as breathtaking as the dishes you’ll be serving? It doesn’t take much time or money to transform your table from humbug to very merry.

Choosing a Theme

The easiest way to coordinate your decor is to choose a theme. Your theme can be as specific as a single Christmas carol, or as broad as a certain style or colors. For example, you could choose “Jingle Bells” as your theme, making the centerpiece a miniature one-horse open sleigh, and attaching bells to everything that doesn’t voluntarily move. Or, choose a “Country Christmas” theme and add lots of country touches to your table, like felt cut-outs and cross-stitched napkins.

If you’re planning on selecting colors for your table, stick with one main color and a maximum of two accent colors. Holiday colors of green, red, and white look very festive, or accent with silver or gold for a more elegant touch. Blue and white work nicely together for a winter theme.

Table Coverings

You may have your great-great-grandmother’s handmade lace tablecloth stowed away, ready to use for your Christmas dinner. There’s nothing wrong with this, of course, but if spillage and possible staining are a major worry for you, save the lace for accenting your decorative holiday displays instead and pick up some inexpensive cotton or other fabric to cover your table with, or use clean sheets in various colors. You can even use two contrasting colors of fabric, and use the second, smaller piece to hang at an angle over the larger one. Christmas prints are cute and charming, but try to steer clear of anything too busy or bright, as the fabric will overshadow any other accents you add.

For a children’s table, cover the surface with butcher paper or inverted wrapping paper and provide crayons at each setting. Christmas crackers are also great fun for kids, and look cute sitting on each dinner plate.

Centerpieces

Centerpieces can be as simple as a small grouping of different sized candles. You needn’t go overboard and spend hundreds of dollars on fresh flowers and a beautiful decorator’s vase to hold them in. Potted Poinsettias make a pretty centerpiece, as do small baskets filled with pine sprigs and pinecones, or clear glass bowls full of bright Christmas tree balls.

Keeping your chosen theme in mind, choose a centerpiece that will stand out among your dishes of food, and become a conversation piece for guests. If you plan to use lit candles, never leave them unattended, and choose unscented candles wherever possible.

Napkins

You don’t have to limit yourself to simple linen napkins, although these work perfectly well. Use facecloths, small hand towels, or handkerchiefs instead if you prefer. Roll your napkins and fold the roll in half, securing with a pretty bow, or fold them origami style into an interesting shape.

Napkin rings can be made from pipe cleaners, mini wreaths, licorice strings, ribbons, artificial flower stems, or anything else you can think of that will look festive and do the job. Tie bells, small ornaments, pinecones, silk flowers, or even small toys onto each napkin ring for added decoration.

Serving Dishes and Platters

Your serving dishes don’t need to match each other to look pretty. A mixture of different styles and colors add whimsy and a country feel to your presentation. If you don’t have enough trivets for all of your dishes, cover pre-cut pieces of thick cardboard with aluminum foil and use these as shiny mats that will protect your table and still look nice.

Place Cards

If you want to use place cards to prearrange the seating at your table, use your theme to come up with imaginative ways to create or display them. Gift tags are an easy idea, and they can be attached to each napkin or wine glass with ribbon or pipe cleaners. Miniature artificial poinsettia pots are available at many dollar stores, and they make gorgeous place card holders. Simply fashion your cards and attach them to straws or toothpicks, then secure them into the pots.

Pinecones can hold name cards as well, if you maneuver the cards so that the ‘teeth’ of the cones hold them in place. Create shapes out of clay or dough, thread the cards through candy cane sticks, or simply place your cards on the top of each dinner plate. The possibilities here are endless.

Extras and Finishing Touches

Adding candles of varying heights and colors will add warmth to your table setting. Scatter tea lights, votives, pillars, and tapers around the center of the table, making sure that they are secure and not interfering with anything that could be flammable.

You can also decorate the stems on wine glasses with purchased wine charms or pipe cleaners, or tie small bells to each one with ribbon. Tie cutlery together in a similar fashion if you wish, or tuck utensils securely inside rolled napkins.

For an added touch, decorate each chair with bows, bits of garland, or pretty fabric. Anything goes as long as it doesn’t scratch or otherwise interfere with your guests’ enjoyment of your wonderful meal.

With a bit of extra effort, you can take a plain and boring table and create a stunning masterpiece that will impress your guests even before the first course is served.

About The Author

Bob Kiefer is a webmaster of 10 sites. Vist http://www.for-women-only.com for more exciting holiday ideas.

Tags: free money maker, money maker

Tags: free money maker, money maker