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All children are a blessing. From the day they are born, you begin making plans to ensure that your child or grandchild has a bright future. What will their interests be? What job will they have? Who will they marry? While these are common concerns for most families, for those with a special needs child or grandchild, taking steps to ensure they have a safe, happy, and healthy future is even more important due to …

Setting money aside for your children’s or grandchildren’s education is a great way to provide for their future. However, it is possible that not all of the money you have set aside will be used for college expenses. For example, your child may receive a large scholarship and will not need to use all the money you have saved, or your grandchild may choose a trade school that is less costly than you expected. Alternatively, …

What do you suppose the biggest determining factor is when calculating how long you will live?  Is it a healthy lifestyle?  Not smoking or drinking?  Family history? Actually, it’s none of those. The biggest determinant of how long you will live is how long you have already lived.  Statistically speaking if you make it through your formative years, that is your teens and twenties, you’re likely to live to a ripe old age.  That old …

Many people have collections about which they are quite passionate: The collections may be very valuable, for example, art collections, coins, stamps, or designer handbags, or they may have more sentimental than monetary value, such as political bumper stickers, postcards, or rocks. Regardless of its dollar value, if you have a collection, it should be included in your estate plan. You should make arrangements in advance to ensure that the collection is handled in the …

Whether you live in a city, or you’re visiting from a more rural area, we can all agree that when population density increases, driving can often become quite aggravating.  Nobody intends on slowing traffic; it just happens.  And when tempers flare, accidents are more common. It turns out that those driving in St. Louis are a bit more prone to getting in those accidents.  A study conducted in 2016 ranked St. Louis as the second …