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Editor’s note:
Business and Finance articles appearing in this paper are based on the experiences and opinions of the writers and not The Journal. The advice given is strictly for your information and should not be acted or relied on without related professional advice.

Giving is Good! – Part II

marlene s cooper 2011My last article focused on charitable gifts of money. This article focuses on a type of charitable gift everyone is capable of making, regardless of the size of their estate. This type of gift is known as an anatomical gift – the giving of either your entire body after your death for medical research and education or certain body parts for transplant to others.

Even though the law in California concerning organ donations makes it relatively easy for organs to be donated, statistics show that the number of individuals needing organ or tissue donation is growing. If you are inclined to be a donor, here are some of the ways it can be done:

You can stipulate in your Advanced Health Care Directive to allow or disallow organ donation.

During terminal illness or sudden injury, you can express to two witnesses your desire to donate your organs.

While renewing or applying for a California driver's license, you can check a box indicating your desire to be a donor. You can also go to the Department of Motor Vehicles website and fill out the form.

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How to Avoid Fumbling the Football in the Red Zone of Retirement

The 6 Documents You Need for Your Estate Plan Playbook

The start of football season may be months away, but the game's on the minds of many after the NFL draft. Minicamps are gearing up and team personnel are organizing in preparation for the 2014-15 season. Football is a big deal in the United States – and so is the surge of retirees – 10,000 baby boomers every day for the next 18 years, says multi-certified planner Larry Roby. The last thing pre-retirees want to do at this stage of their lives is to fumble while in the red zone of their retirement date, he says.

"Only 23 percent of pre-retirees have calculated how much they'll need to save for retirement, according to New Retirement Landscape; while three-quarters say they're confident in the red zone of retirement, an equal amount of people haven't even done the math yet!" says Roby, founder and president of Senior Financial Advisors, (www.sfabridge.com), a wealth-management firm that holds ethics and education as top priorities.

"Confidence in your retirement portfolio is good – if it's justified. Otherwise, it can lull people into a false sense of security and lack of preparedness."

Having a diverse portfolio and understanding your options for life insurance, Social Security and 401(k) or other retirement accounts are staples for retirement planning. But there are also six crucial documents that are often either not in an individual's playbook or are overlooked.

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4 Smart Investments Beyond the Stock Market

With Speculations About an Impending Downturn, Investment Entrepreneurs Suggest Options

As major stock market indexes continue to climb, so too are concerns on the "fear market" – VIX, the CBOE S&P 500 Options Volatility Index, says entrepreneur Dean Anastos.

"Advances in the market have been relatively thin in volume, and the declines have been heavier; in general, there seems to be too much complacency among investors, and there are hints here and there that the market is not as bullish as many have supposed," says Anastos, who specializes in real estate, computer programming and trading data communications equipment.

"Now may be a really good time to look elsewhere for smart investments," says his business partner Ricky Brava.

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