While many people fail to update their estate plans or even have an estate plan, they often don’t know what this means for their assets.

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In Michigan, if a person dies intestate (without an estate plan), then their estate passes according to the law. The law says that if you are married at the time of death and don’t have living parents, children or grandchildren, your spouse receives your entire

The world has started to feel the economic shockwaves from Russia’s war on Ukraine in profound ways. The increased friction in global markets – already fractured by the pandemic – could further undermine economic recovery, and add to inflationary pressures.

From agenda-setting financial insight from Reuters Breakingviews to exclusive commodities research and market analysis from Refinitiv – we curate a selection of our latest market commentary to help you get the facts, analyse the impact and mitigate risk in order to turn challenge into opportunity

When it comes to caring for seniors in Newfoundland’s outport communities, there may be a homegrown model the province can use — and it sprang from the cod moratorium imposed 30 years ago.

A program by the Canadian Mental Health Association trained community members — no matter their expertise — to help their neighbors cope with the depression, listlessness and anxiety that followed the moratorium, which wiped out jobs for more than 30,000 people.

That model of enabling people in the community to care for one another could be harnessed to help the province care for its rapidly aging rural

“My wife and I are retired and nervous with this downturn that we will not have enough funds to see us through,” Jim writes in an e-mail. “We are looking to buy an annuity to improve our stability.”

Jim is age 60, Shirley 61. They have three adult children.

They are drawing on their work pensions and registered savings to cover their lifestyle expenses to the tune of $6,155 a month. In addition to their savings, they have a mortgage-free house in Eastern Canada.

They’ve based their retirement plan on achieving a

Continuity Planning?

Thinking back to Monday 16^th March 2020 I remember getting up early. I was due to visit one of our homes in Tewkesbury. I was just about to leave the house when an email landed from a senior Director telling us all to ‘Hold’ all visits and be ready for a conference call that morning. Yes, this was the start of the ‘Lock Down’. With the benefit of hindsight, how ready were we for what was about to happen next?

Our management team had already undertaken various strategic planning exercises. On the 16^th March, a ‘’strategic

The Dolphins on Tuesday held their first of five consecutive practices open to reporters, with a Thursday off day their only break this week.

And it was a surreal morning, because midway through practice, the Dolphins were severely punished by the NFL for tampering with Tom Brady and Sean Payton. They must give up their 2023 first-round pick and a 2024 third-round pick, and