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The Long and Winding Road

<p>Road-trip preparedness. If you're planning on taking a road-trip for your next holiday, think beyond your standard checklist. Snacks, music and emergency kits are necessities, but pre-planning and forget-them-not extras will make for smoother trails ahead.</p> <p><span style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;">Safety</span><span style="color: #444444; font-family: Raleway, sans-serif, Arial; font-size: 16px; background-color: #ffffff;"> Don’t wait until the last minute to have your car tuned up if you’re taking your own. Many a trip has been delayed or cancelled due to maintenance issues. If you haven’t already got roadside assistance, sign up with your insurer.</span></p> <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"><span style="box-sizing: border-box; border: 0px; font-family: inherit; font-style: inherit; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">The right ride</span> Is your vehicle ideal for your trip? For maximum convenience, find one to match your itinerary. Opt for a fuel-efficient car for longer trips or get an all-wheel drive or four-wheel drive if you’re planning to explore back roads.</p> <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"><span style="box-sizing: border-box; border: 0px; font-family: inherit; font-style: inherit; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Insurance</span> If you already own a vehicle but are choosing to rent another for the trip, talk to your insurance provider about adding to your plan if you’re not already covered.</p> <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff; text-align: center;"><span style="box-sizing: border-box; border: 0px; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">PACK SMART</span></p> <p style="font-size: 16px; box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"><span style="box-sizing: border-box; border: 0px; font-family: inherit; font-style: inherit; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">A road atlas</span> You’ll probably bring a smartphone or GPS unit, but electronics can get lost or break down, and there are always some spots where you can’t get a signal. Road atlases never fail.</p> <p style="font-size: 16px; box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"><span style="box-sizing: border-box; border: 0px; font-family: inherit; font-style: inherit; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Stand-up comedy</span> When road trips don’t go as planned, moments of levity are scarce. Funny CDs or podcasts from your favourite comedian will release tension.</p> <p style="font-size: 16px; box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"><span style="box-sizing: border-box; border: 0px; font-family: inherit; font-style: inherit; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Refreshers</span> Wet wipes, travel-size deodorant and a small spritzer bottle full of water can bridge the gap until your next shower.</p> <p style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; font-size: 16px; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"> </p> <p style="font-size: 16px; box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, Arial; margin: 0px 0px 20px; outline: 0px; padding: 0px; vertical-align: baseline; color: #444444; background-color: #ffffff;"><span style="box-sizing: border-box; border: 0px; font-family: inherit; font-style: inherit; font-weight: 600; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Sports equipment</span> A Frisbee, skipping ropes or bocce balls will motivate you to take regular breaks and get your blood flowing.</p> <p><em>Image credit: Shutterstock</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/travel/road-trips/long-winding-road" target="_blank" rel="noopener">Reader's Digest.</a></em></p>

Domestic Travel

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The ultimate international travel checklist

<p dir="ltr">If you’re travelling overseas, there’s a lot more to consider than if you’re exploring your own country. Here’s a checklist for sensible travel. </p> <p dir="ltr"><strong>Check your passport</strong></p> <p dir="ltr">Can you imagine booking a flight only to get to the airport and realise your passport is out of date? In general, you need a valid passport for at least six months before entering a foreign country, so make sure you’re up to date and then some!</p> <p dir="ltr"><strong>Apply for visas</strong></p> <p dir="ltr">If you need a visa for your destination, apply as early as possible. Have a look if there are any entry or exit fees for the country you’re going to as well. These are often worked into your ticket price, but it’s handy to know if you’ll need cash at the airport.</p> <p dir="ltr"><strong>Manage your documents</strong></p> <p dir="ltr">Make copies of all important documents required for you to head overseas. Documents such as your passport, tickets, itineraries, reservations, travel insurance policies, credit cards and vaccination certificates. Store them together, so you’re prepared before you even get to the airport.</p> <p dir="ltr"><strong>Dress for the weather</strong></p> <p dir="ltr">Have a look at the weather report before you leave; you could be flying to a country where the seasons are the opposite, so make sure you’re packing your clothes accordingly.</p> <p dir="ltr"><strong>Figure out the cultural dos and don’ts</strong></p> <p dir="ltr">Some countries have cultural considerations you need to be aware of. You don’t want to offend the locals or come across as disrespectful or ignorant. It’s also a good idea to check out the laws in the country you’re going to as you could be more vulnerable to danger. </p> <p dir="ltr">It’s always best to be well-prepped before a trip, but don’t forget to have fun!<span id="docs-internal-guid-ec9463e9-7fff-e189-2c95-7a4df7da5a2f"></span></p> <p dir="ltr"><em>Image credit: Shutterstock</em></p>

International Travel

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Your 12-step holiday checklist

<p>Here are the top 12 things you need to do before you go on holidays. We have you covered!</p> <p>The holiday season has arrived and there’s every chance you will be catching up with family or taking some time out on vacation over the next month or so. We all have a lot of fun but you should be aware it’s also the high season for home burglaries and other criminal activity – so you need to make sure your house or apartment is not a target for these crimes. <br /><br />How do you do that? Well there are a few basic preventative measures you can take which will ensure your home remains safe – in fact, if you take these actions, it will look like you never went away at all!<br /><br />So here’s our list of the Top 12 things to do to keep your home safe and sound while you’re our enjoying yourself. It’s going to be well worth it because let’s face it – no-one wants to come home from a relaxing cruise or an island getaway to find something has gone seriously wrong – it would bring all your great holiday vibes undone.<br /><br /><strong>1. Ask a friend or neighbour for help</strong><br />A simple way to gain peace of mind while traveling is to ask a friend or neighbour to keep an eye on your house or apartment while you're away. It’s best if they live quite close by so it’s easy for them to keep an eye on your home and look out for anything untoward.</p> <p>You can give this person a key and the code to your security alarm if you have one. They can bring your mail and community newspapers in, feed your cat, water your plants etc. Make sure you give this person your contact information and a copy of your itinerary in case of an emergency.</p> <p>It’s ideal if you can also talk to at least one of your neighbours so they can literally be looking across at your house or unit, checking everything is OK while you’re away.<br /><br /><strong>2. Put your mail on hold</strong><br />If you have a friend or neighbour you can trust who is going to collect your mail each day, that’s great. But if you don’t know anyone who can help you out then it’s easy to put your mail on hold with Australia Post. <br /><br />Just go to their website here and click the ‘Hold mail’ tab and all you have to do is create an account with Australia Post and set up a ‘Hold mail’ for a certain period of time. They will hold your mail for as long as you like.</p> <p>Australia Post does charge a fee of $42.95 a month but if you have a valid concession card, such as a pensioner’s card, you’ll get a healthy discount.<br /><br /><strong>3. Stop papers being delivered</strong><br />If you have your papers delivered, it’s best to put a stop to this while you’re away. A pile up of papers on your front lawn is a dead giveaway – you may as well put up a sign saying ‘No-one at Home.’ So make sure you take care of this.<br /><br /><strong>4. Don't tell everyone on Facebook</strong><br />These days, we all like to chat on social media and tell everyone what we are doing. But if you tell everyone you’re about to go on holiday on Facebook and Twitter, you should think again. By posting your holiday plans you make yourself extremely vulnerable because you can never be completely sure who is reading this information.</p> <p>It’s best to leave it until you come back from your holiday – then you can post as many photos and information as you like.</p> <p>As well, be careful what you say on your answering machine or voice mail. Callers don't need to know you're not home - they only need to know you can't come to the phone right now.<br /><br /><strong>5. Do tell your local neighbourhood watch</strong><br />If there’s an active Neighbourhood Watch program in your area, its worthwhile joining up. It’s a free service and you can let them know you’re going away on holiday and they will note this among their members and this could help make sure your home is safer. <br /><br />To join up, go to the Neighbourhood Watch Australasia site and find out if there is an active program in your area.<br /><br /><strong>6. The lights are on but no one is home<br /></strong>You don't want to leave your lights on the whole time you are away so the best thing to do is to buy a light switch timer which will turn your lights on and off automatically according to a programmed schedule.</p> <p>These don’t cost too much and you can buy them from your local hardware or electronics store. It’s good to include a few outside lights in the schedule as when these come on, they will deter anyone who is watching the house.</p> <p>As the lights flick on and off in your house, everyone around observing it will assume someone is home. <br /><br /><strong>7. Pull the plug</strong><br />Unplug your television, computer, toaster oven and other appliances to protect them from power surges. If there is a powerful electrical storm and lightning strikes or the power surges, there’s a chance this can do damage to appliances like TVs. This will also save on power usage while you are away.<br /><br /><strong>8. Remove your spare key</strong><br />That plastic rock isn't really fooling anyone. If someone wants to get into your home, it’s likely they will check all the usual places for your spare key. <br />So reach under the mat, into the mailbox, above the door frame or into the flower pot and remove your spare key before you leave on your holiday.<br /><br /><strong>9. Check your window locks</strong><br />Check your window security measures because about 30 per cent of all burglaries start with a window which is not secure window as the entry point. If need be, fit window locks on all your windows before you go away.</p> <p>If you end up having to report a burglary and it’s found the burglar accessed your home via a window without a lock, you could have trouble with your claim. <br /><br /><strong>10. Lock away valuables</strong><br />If you have some valuable documents or items which you are leaving in your house while you’re away, it’s best to put them in a home safe or take them to your bank who will usually deposit them in their own safe for you.<br /><br />As well, check your home contents insurance policy and make sure any important valuables you are leaving are listed on it as you may have set up the policy some time ago.</p> <p>Conceal valuables such as laptops and jewellery so they are not visible from the outside. Consider closing some of the curtains and blinds so people can’t see too much from the outside.<br /><br /><strong>11. Make your home fireproof</strong><br />Safeguarding your home against fire is crucial all year round so check your home insurance policy is current. Fires can, and do, occur in unoccupied houses and units while people are away taking a break.</p> <p>If you live in a bushfire-prone area, prepare your home properly before you leave – a full preparation checklist can be found at the NSW Rural Fire Service’s website here.</p> <p>Before you leave, close all the internal doors to help contain any fire if it did occur. Test your smoke alarms and change batteries, if required, to ensure they will function properly.<br /><br /><strong>12. Lock your garden shed</strong><br />Lock away your gardening and handyman tools as many of these can easily be used to force open doors or windows. You’re not leaving your keys out so don’t leave your axe or shovel lying around for anyone to use.<br /><br /><strong>Last minute check</strong><br />Just before you leave for your holiday, do a last minute check to ensure all the windows and doors are locked - including garage doors, side gates and sheds. Turn on the security alarm if you have one. <br /><br />Now that you have taken the time to render your home far less vulnerable to criminals, you can have a great holiday, relaxing in the knowledge your home is now safe and secure!</p> <p><em>Republished with permission of <a href="https://www.wyza.com.au/articles/travel/your-essential-holiday-check-list.aspx">Wyza.com.au.</a></em></p>

Travel Tips

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Checklist to survive your next long-haul flight

<p>Whether you’re looking to get to the other side of the world or want to know what it feels like to be a sardine, sometimes catching a long haul economy flight is a necessary evil.</p> <p>That being said, there are things you can do to make these flights a lot less painful. Follow the six tips outlined below and your next long haul flight will be a breeze, rather than the sort of experience you recount to a psychiatrist in 10 years’ time.</p> <p><strong>1. Dress comfortably</strong></p> <p>A long haul flight isn’t the time to be breaking in your new spandex jumpsuit. Wear loose, comfortable clothing that will allow you to relax in your chair and stretch out.</p> <p><strong>2. Quench your thirst</strong></p> <p>Don't rely on flight attendants. Control your hydration and quench your thirst regularly by bringing your own supply of water (purchased after the security screening of course).</p> <p><strong>3. Kit out your flight survival kit</strong></p> <p>Fill a flight survival kit with essential comfort items like ear plugs, a face mask, book, lip balm, a toiletry kit and a neck pillow.</p> <p><strong>4. Stretch and perform exercises</strong></p> <p>Deep vein thrombosis is a risk everybody on a long haul flight is taking, so make sure you take plenty of time to stretch and perform the recommended muscle exercises.</p> <p><strong>5. Lay off the booze</strong></p> <p>This might be especially difficult for nervous flyers, but go easy on the sauce if you’re headed on a long haul flight.</p> <p><strong>6. Pack efficiently</strong></p> <p>Make sure you’ve got a secure bag that has plenty of space to fit all your essential items so your legs aren't cramped and you're not invading too much of the personal space of the stranger sitting next to you/soon to be mortal enemy.</p> <p><strong>Related links:</strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/7-iconic-public-transport-experiences/">7 of the world’s best iconic public transport experiences</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/top-10-amazing-festivals/">10 most amazing festivals in the world</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/shibuya-pedestrian-crossing-japan/">The busiest pedestrian crossing in the world</a></strong></em></span></p>

Travel Tips

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Gardening checklist before you go on holiday

<p>When you go on holidays it doesn’t mean your garden has to suffer. With a little preparation and planning you can enjoy your trip away without fearing what’s happening to your garden. Here are the essential tasks to do before you jet off.</p> <p><strong>1. Mow your lawn</strong></p> <p>A day or two before you go on holidays give your lawn a mow so it won’t become long and overgrown by the time you get back. Set the blades up high if the weather is hot.</p> <p><strong>2. Weed and deadhead</strong></p> <p>Clear out weeds from the garden so they are not competing with your plants for water. Deadhead flowers to prolong their flowering season.  </p> <p><strong>3. Water well</strong></p> <p>Give everything in your garden a good soak a day before you leave. Then add a layer of compost or mulch to help your soil retain moisture. If you’re away for a long period, get a friend or neighbour to come water your plants or install a watering system if that’s an option.</p> <p><strong>4. Move your pots and planters</strong></p> <p>If possible, move your container garden to a lightly shaded position to prevent dehydration.</p> <p><strong>5. Store your fruit and veg</strong></p> <p>Pick any fruit and vegetables you can and freeze them. Water the rest the day before you leave. Alternatively, entice a friend to come over to water your plants by offering them fresh produce in return.</p> <p><strong> 6. Tidy up</strong></p> <p>A sure sign that a house is unoccupied is a neglected garden so do all the routine gardening jobs before you leave.</p>

Home & Garden

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Gardening checklist for winter

<p>Even though the temperature is cooling down, there are still a few tasks that can (and should) be done around the garden – plus, a spot of gardening will certainly lift your mood on a grey and dreary day. Here’s our checklist of quick winter jobs to get you outdoors, active and enjoying the winter days.</p> <ul> <li>Clear up fading annuals and vegetables from the garden and rake up leaves and other detritus. Add to mulch or compost, unless they show signs of disease.</li> <li>Winter is the perfect time for pruning. Cut back:<br />- Herbaceous perennials like wind flowers, penstemon, bergamot, catmint, and canna.<br />- Spring-flowering deciduous shrubs such as weigela, flowering quince, forsythia (after flowering).<br />- Deciduous fruit trees including apple, peach, plum, pear, apricot, cherry and nectarine<br />- Roses in mid-to-late July. Ensure pruning is complete by early August.<br />- Invasive, damaged or disease branches from trees and shrubs. However, don’t remove more than a third of the plant at a time.</li> <li>Pull or hoe out weeds.</li> <li>Move cold-sensitive potted plants to sheltered spots like the veranda or porch.</li> <li>For plants in the garden susceptible to cold or frost, construct shelters (using cloth or plastic) around them in the evening. Remember to remove during the day as plants can cook in midday sun.</li> <li>In winter, reduce watering of potted plants as they require less water.</li> <li>Use the cooler season to prepare planting holes for new roses and fruit trees. Dig compost and manure into the soil. Dig new veggie or garden beds.</li> <li>Watch for signs of a waterlogged lawn, especially after heavy rainfall. If needed, aerate lawns to let excess moisture soak into the soil.</li> <li>You can still grow some tasty vegetables in winter. Check out <a href="/lifestyle/gardening/2015/05/vegetables-to-grow-in-winter/"><span style="text-decoration: underline;"><strong>our guide on veggies that grow well in winter</strong></span></a>. Winter is also a great time to plant bare-rooted trees and shrubs including fruit trees.</li> <li>Use the downtime in winter to organise your supplies. Clean, sharpen and repair tools. Label seeds and store in cool, dry area.</li> <li>Cheer the garden up with a few pots of annuals like pansies or polyanthus. They’re already in bloom so will add some instant colour.</li> </ul>

Home & Garden

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10 things you should do in your garden in May

<p>With summer well behind us, it’s really time to get back into the garden and prepare for the winter months ahead. Here’s our autumn garden to-do list.</p> <ol> <li>Collect fallen autumn leaves for your compost bin.<br /><br /></li> <li>In cool or harsh climates, move cold-sensitive/fragile pot plants into sheltered positions.<br /><br /></li> <li>Plant new trees, shrubs, climbers, annuals and perennials.<br /><br /></li> <li>Divide overgrown perennial plants, collect seeds and prune those that have finished flowering.<br />  </li> <li>Trim evergreen shrubs that need tidying.<br />  </li> <li>If you’re planting spring bulbs, you better do it right now!<br /><br /></li> <li>In veggie beds, clear out any leftover summer veggies and enrich soil with compost and/or manure to replenish nutrients that have been stripped during harsh summer months. Replant with cool-season vegetables such as onions, garlic, shallots, spinach, broad beans and broccoli. <br /><br /></li> <li>Citrus trees need light pruning to remove any dead material and water shoots.<br /><br /></li> <li>Fertilise azaleas, camellias, rhododendrons, gardenias, magnolias, daphnes and pieris.<br /><br /></li> <li>Cooler months are an ideal time to give your lawn some TLC. A monthly dose of fertiliser during autumn will thicken up lawn and help turf in winter. Give it a deep watering for drier gardens every two weeks.</li> </ol> <p><span style="text-decoration: underline;"><a href="http://plantsplus.com.au/resource-centre/catalogues/" target="_blank">Check out the latest catalogue from Plants Plus here</a></span><em> for some great prices on some of these plants as well as more tips and inspiration for your garden.</em></p> <p><strong>Related links:</strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/gardening/2015/04/companion-planting-guide/">The companion planting guide</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/gardening/2015/04/creative-garden-container-ideas/">10 creative garden container ideas you’ll love</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/gardening/2015/04/epsom-salt-in-garden/">8 great uses for Epsom salt in the garden</a></strong></em></span></p>

Home & Garden

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Planning ahead checklist: have you ticked all of the boxes?

<p>There can be a lot of things to consider when getting your affairs in order, so here’s a handy checklist to make the process easy.</p> <p>Planning ahead can be an intensive exercise. Not only do you have to try and unearth all of your financial documents, but you have to sign a handful of legal documents and make some important decisions. Many people like to put it off for another day but the danger in doing this is if something was to happen to you, your family could be tied up in legal and financial costs trying to find a way to secure your assets. As with anything we’d rather put off, the sooner it’s done, the better. To help make the process as smooth (and painless) as possible, here’s a checklist of what you need to have in order.</p> <p><strong>1. Prepare a will.</strong> If you’ve already done this, great! If not, it’s time to get it sorted. This legal document will clearly set out where to distribute your assets when you’re no longer here. It is usually best to get professional assistance to prepare your will. </p> <p><strong>2. Appoint trustworthy people to make decisions on your behalf.</strong> It can be very handy to appoint an enduring attorney and an enduring guardian. While you may be fit and healthy now, it’s important to plan for whatever the future may bring – good or bad. Be prepared, put your plans in place and your mind will rest easier knowing someone has your back if things go pear-shaped.</p> <p><strong>3. Funeral plans.</strong> Have you been paying funeral bonds or insurance that your family should know about? Many people purchase pre-paid funeral plans but if their family doesn’t know about it, how can they use it? When you sit down with your family to discuss your future plans, let them know about any funeral preparations that you have made. And, remember to keep any documentation for any pre-paid plan or insurance in an important documents folder.</p> <p><strong>4. Get your finances sorted.</strong> Do you have bank accounts all over the place? What about investments in shares and property? Take the opportunity now to get all of your finances in order. Not only is this a great thing for you in the short term, it’s even better in the long term. Think about consolidating accounts and putting the structures in place now to ensure your beneficiaries don’t see most of their inheritance in the tax man’s hands.</p> <p><strong>5. Housing options and where to live.</strong> Will you decide to downsize to be closer to family or the beach? Or will you move into a retirement village to socialise with other retirees? While there’s a trend towards retirees staying in their family home, many still consider moving to small residences to reduce the costs of maintenance or to simply be closer to their grandchildren. Talk with your family and discuss what will be the best option for you.</p> <p><strong>6. Round up all of your important documents and put them in the one spot.</strong> Together with the documents mentioned so far, your folder should also contain any identification documents, such as your birth certificate and passport. Some of the other key documents to put in your folder include: marriage certificate, advance healthcare directive or living will, personal insurance policies, home and contents insurance, bank account details, investment documents and medical insurance papers. By storing this all in the one place, perhaps in a home safe, your family will be prepared and organised.</p> <p><strong>7. Have a conversation with your partner and family</strong>. Call the family over and let them know what you’ve planned. Inform them of your decisions about what you would like to happen in the future. This is the best way to ensure everyone is on the same page when it comes to fulfilling your wishes. Also, remember to tell them where you store all of your documents! Many families have gone through unnecessary legal costs or stress because they weren’t told about what preparations their family member made.  </p> <p><strong>8. Consider seeing a professional to make sure everything is in order.</strong> It’s a good idea to make sure everything is in order now, not later when you may not be able to do anything about it. While you’ll need a lawyer for some of the finer details of your estate planning, particularly if you have extensive assets, or assets held in other businesses and trust, or you are considering setting up one or more testamentary trusts in your will, don’t hesitate to see them again should you be concerned or unsure of anything. </p> <p><span style="text-decoration: underline;"><em><em><strong>This article is for general information only and cannot be relied on as legal advice. You should seek formal legal advice on your specific circumstances.</strong></em></em></span></p>

Legal