Taking Advantage of Local Used Car Dealers

You can’t actually take advantage of your local used car dealers but you can get a better deal from them than from an out of town dealer that you may never visit again. Local used car dealers are in business to sell cars and to make a living selling them. They have a reputation to maintain if they want to continue to sell cars to their neighbors like you. Local used car dealers are owned by men and woman too, that attend city council meetings. They participate in local charity functions. They donate to the Boy Scouts. They are your neighbor.

An out of town used car dealer couldn’t care less where you live or work, other than the fact that you are employed so you can make the car payment. If you buy a used car from them they probably won’t be too concerned if it breaks down on the way home. You are less likely to return to an out of town used car dealer to get repairs done or buy new tires when needed.

This is why you can take advantage of a local used car dealer. Buying local means you are helping keep your local businesses in business so you don’t have to go out of town to make your purchases. The local used car dealer knows this. Because he wants to maintain a good business presence he should be willing to give you a better deal on the car you buy from him. You certainly can remind him of this.

Probably you both have kids that attend the same school or play on the same sports team. So you are already buddies with him or his wife. You may attend the same church. Again an advantage you have when shopping for a used car from him. He certainly doesn’t want to be embarrassed if you tell someone that the car he sold you was a lemon. Nope. He wants you to tell your friends what a good deal he gave you on that used car.

Your local dealer wants you to return to his car lot to have your maintenance done on your new vehicle. He wants you to buy your new tires when you need them from him. He wants to continue to make money from you. And you don’t have to go out of your way to drive past his lot every day. And when you drive by, he wants you to be happy with your purchase.

Do make sure you compare prices before you buy a new used car. If you are forearmed with this knowledge you are in a better bargaining position. Also make sure you know how much that out of town dealer will sell you a used car for. And don’t be afraid to let your local dealer know it. Even thought he is a neighbor you will probably still need to negotiate that final price down. Or at the very least, get some upgrades on the vehicle you buy!

Power of Attorney and Living Trust: Why Do I Need Both?

A Trust and a Power of Attorney for Finances serve two separate, but complimentary functions.

A Power of Attorney for Finances appoints someone to handle your money, property and bills when you are incapacitated. The person nominated should be someone who is good with money and responsible enough to care for your property. The person appointed is called an “attorney-in-fact”, which has nothing to do with being a lawyer. A lawyer is an “attorney at law”. A Power of Attorney for Finances is sometimes called a Durable Power of Attorney. “Durable” means the Power of Attorney remains valid, even if you become incapacitated. There can also be a “power of attorney for healthcare,” that is a separate document and unrelated to your finances. Most lawyers mean a Power of Attorney for Finances when they say “power of attorney.” If they mean the kind that is for healthcare, they generally say so.

A Living Trust can provide greater protection and easier management than relying upon a Power of Attorney alone. Think of a Trust as being a special box into which you place your assets (bank accounts, stocks, your home, rental properties, etc.) The person you appoint to take care of the box is called the “Trustee”. This person is NOT the “Executor”. An Executor is appointed in a Will, approved by a court, and only has authority after you die. A Trustee generally does not need court approval, and can handle things during your lifetime “and” after your death. This is why it is called a “living” trust. It is customary (though not required) to name the same person as Trustee and as attorney-in-fact, so that control of both Trust and non-Trust financial matters are centralized with one person.

Even if you have a Trust, you still need a Power of Attorney because it applies, during your lifetime, to management and control of your property that is “not” in the Trust. Certain property does not get put into your Trust during your lifetime. For example:

  • If you try to title your IRA to your trust, the IRS will treat that as an early withdrawal of the entire account. Your attorney-in-fact can direct IRA investments, contributions and withdrawals.
  • If you’re receiving social security, your right to benefits can only be held personally, not in a Trust. Once a monthly benefit is paid to you, the amount paid can be placed in your Trust, but not prior to payment. Your attorney-in-fact can transfer social security payments into your Trust and access your records with the Social Security Administration.
  • Your attorney-in-fact has authority to prepare and sign your personal tax returns or speak to the I.R.S. about your taxes. Your Trustee does not.
  • Your attorney-in-fact, but not your Trustee, can make Medicare benefits elections and enforce your rights under Medicare.
  • If you forgot to put an asset into your Trust, your attorney-in-fact can make that transfer.

A good estate plan contains both of these important documents, but if you can only have one, choose the Power of Attorney. Without it, your loved ones will need a court ordered conservator or guardian to handle your property. This requires an expense and very public procedure. Whether you choose both documents or one over the other, they should only be prepared with the help of a lawyer. This will ensure that you receive the full benefit of your rights and options, while avoiding unintended consequences.

The Critical Illness Insurance Market

In my previous article: Five Steps to Critical Illness Sales Success the first step was to identify your target market. With your target identified you can begin to list the various objectives that can be achieved with the use of a critical illness insurance policy. Some potential markets are:

  •  Self employed individuals
  •  The family market / Single parents
  •  The group insurance marketplace
  •  High income earners

While there may be some overlap in ultimate objectives the reasoning behind the objectives will differ. It is impossible to launch an effective marketing campaign without understanding your target market’s goals. And without a specified target market it is impossible to fill your calendar with high quality prospects.

The Self Employed

Perhaps no other target market needs Critical Illness Insurance more than the self-employed individual. Unlike an employee of a larger company this individual has no employee benefits other than what he purchases for himself. The objectives of this market segment may include: income replacement, money to hire a temporary replacement employee, money to pay routine business expenses, major medical gap coverage and freedom from managed care restraints. It is important to recognize that the self-employed individual most likely does not have disability income protection whether income protection or overhead expense. The Critical Illness Policy is a viable and less expensive alternative to disability income.

The Group Insurance Market

This marketplace offers numerous Critical Illness Insurance applications. Depending on the group size that you target some of the objectives might be: expansion of voluntary benefits, medical gap plan, executive benefits and expansion of employer-paid benefits. This market is more complicated than other markets because you may have to understand the objectives not only of the employer but that of the employees as well. While the employer must approve Critical Illness Insurance as a voluntary benefit, the producer will still need to understand the objectives of the employees to have a successful enrollment. To open a discussion of Critical Illness Insurance as an executive benefit it is important to understand the value to the executive. The employer market may have numerous challenges but it can be one of the most profitable.

High Income Earners

This category includes doctors, lawyers, consultants and other professionals with incomes above $250,000 annually. These individuals tend to have disability income protection but are limited in the percentage of their income that can be protected. Critical Illness Insurance can ensure that they do not have to deplete their savings and investments in the event that they are disabled by a covered illness. Individuals in this category tend to be less concerned with the potential out-of-pocket expenses that may be incurred then they are about protecting their financial future.

The Family Market / Single Parents

The need for Critical Illness Insurance here should be obvious. For working Americans, whether in a traditional family or as a Single Parent the need for cash when a family member is diagnosed with a critical illness cannot be overstated. The income replacement needs are far in excess of what disability income can protect. Parents want to be with their children should there be diagnosis of cancer, spouses want to be with each other when a critical illness strikes and everyone wants the freedom to seek out-of-network treatment when it is their best interest. Regardless of whether it is a $10,000 policy or a $100,000 policy there will be tremendous financial freedom for the family.

It should be obvious that there is a lot of opportunity in the marketing of Critical Illness Insurance. But beyond the sales opportunities is the chance to really make a difference in the life of an individual.

Why Selling Life Insurance Is Better Than MLM Or Network Marketing

People tend to buy what they want and what they need. But no body wants to buy Life Insurance but it is bought because it’s needed. MLM typically sells the newest and the latest and greatest idea, thing or concept. People will buy it in hopes that they can use the product as a visual aid to get others to make a similar purchase.

A huge difference with Life Insurance is that you really cannot buy it you can only apply for it to find out later if you have been approved. People are more likely to fill out an application for Life Insurance to see if they qualify in hopes that they can receive its protection. On the other hand with MLM’s it’s all about buying the dream. But the dream is never real. In other words no matter the product or service in MLM it is never a need. MLM’s do not feature anything that you must have. It is all about the emotion just wanting more. The MLM sale is more about the imaginary hype than the reality of the experience.

We Know We All Die

In this world we all die. The only way to get out of here is to die. Reality says that when we die someone will be left to mourn our death. Reality also says that we must be buried and with that comes an expense. If we do not prepare for the inevitable it can create a hardship for our family members thus interrupting the mourning period. To not apply for a Life Insurance policy is like not caring about your family and what burdens may come there way without you.

MLM do not have that kind of power. Cell phones, lotions potions and pills, legal services, water filters, make-up, to name a few, are all being sold as MLM products. True if your car breaks down in the middle of the night having a cell phone would be a great idea. Being told by a judge to not return to court without a lawyer makes having a legal plan essential. However, when the need runs out will we still keep the product? With Life Insurance the need only gets filled one time. The plan is designed to protect us on a daily basis because no one can predict when there own death would occur.

The Unexpected Happens Unsuspectingly

Death is always unexpected. At the writing, a week ago I watched on the news as a teenaged boy makes the winning basket in a high school basket ball game and then drops dead minutes later. How sad, at a moment when he, his family and friends should have been celebrating they all turned into mourners unsuspectingly. Believe it or not Life Insurance is not sold for that reason.

Life Insurance is sold for what it does not for what it is. In the headlining story preceding this paragraph what do you think is most important to the family? After the sons death I do not think the parents where thinking wow I am glad we got that Life Insurance policy. To be honest I bet they never thought about the Insurance at all. One thing that Life Insurance does is take the worry out of unexpected situations. Peace of mind is when you have what you need when you need it. Life Insurance can pay off a home so that after the death of the bread winner a family can keep their home. Life Insurance can fill a need that MLM cannot.

Life Insurance Should Not Be An MLM Product

But what happens when a company try’s to merge Life Insurance as an MLM product? The need goes away. The public perception of an MLM is that you buy the product to keep up with the latest trends. Life Insurance is above that trendy thinking. It is a part of a regulated industry that is highly recommended and respected by all financial authorities. Another difference is that to sell Life Insurance you must study for a state sponsored exam and pass it to get licensed. While the testing is not hard many become intimidated over the thought of taking an exam.

The best part about being in a licensed industry compared to the unlicensed area of the MLM players is that those who try to mislead or hurt others can quickly be removed and barred. This protects the industry and the individual efforts of those who genuinely like helping people in need.

RMS Titanic Insurance Claims

It is exactly 100 years since the pride of the White Star Line, the RMS Titanic, hit an iceberg in the Atlantic Ocean and sank with the loss of over 1500 lives.

The centenary has prompted many insurance companies on both sides of the Atlantic to publish documents relating to the greatest maritime loss to date in relative costs, mostly showing their company’s involvement with claims payouts.

When the Titanic sank on the 15th of April 1912, the Lutine Bell was rung at Lloyd’s of London, and a very rapid claims process was begun.

A few months earlier the ships owners, the White Star Line, had instructed insurance brokers Willis Faber and Co. to find cover for the hull, cargo, contents and personal effects of the ship. Willis Faber passed the ‘slip’ to their Lloyd’s mercantile division where it was assessed and subsequently underwritten by multiple syndicates and insurance underwriters acting on behalf of members.

The Titanic’s hull was insured for total loss for $5 million or just over one million pounds sterling at the exchange rate of the time. The policy also included total loss cover for cargo at $600,000 and contents at $400,000 a value equivalent to two hundred thousand pounds.

The original broking slip passed around Lloyd’s has been lost, but was photographed and can be seen in Wright and Fayles book of 1928 called ‘A history of Lloyd’s’. It shows that seven large insurance companies took nearly forty percent of the risk between them and the other sixty percent was underwritten by over seventy individuals and Lloyd’s ‘Names’.

According to documents recently released by Willis the marine insurance policy cost White Star £7500 or $38,000 to insure the Titanic at a rate of 15 shillings per hundred. Modern day rates for cruise liners are considerably lower.

The Ship was considerably underinsured for a value of only five-eighths of its replacement cost. This was apparently because the owners thought the hull to be unsinkable and were prepared to bear the additional $3 million dollars of risk themselves.

Willis state that despite the owners belief in the vessel being unsinkable, they had trouble placing all the hull cover at Lloyd’s and some forty thousand pounds was underwritten in Germany. There was also an extremely high excess or deductible of 15% of the insured value.

Four days after the Titanic sank the US senate held a preliminary investigation at the Waldorf Hotel in New York. The surviving officers of the ship presented their evidence to the panel describing the events of the sinking and signed what is called a ‘protest’ which enable insurance claims to be paid.

Incredibly White Star were reimbursed for the loss of the hull within seven days of the sinking, presumably minus the excess, and fully paid up on cargo and contents losses within thirty days.

They were however grossly underinsured for their liability to others given the value of the people on board. Claims against the company exceeded their cover by over $1 million and whether they had private P and I accident cover for their staff liability, remains a mystery. Suffice to say that payouts to families of lost members of the crew, were paltry.

Claims for the loss of people amounted to in excess of five times what the value of the ship was worth, for those lucky ones who happened to have had life insurance policies or had taken out travellers personal accident cover. Although no disputes about loss of life occurred, families had to wait a lot longer than White Star for compensation.

The final payout for human losses has never been fully asserted as over one hundred and fifty different life of accident insurance companies were involved in cover, on both sides of the Atlantic. American companies took the bulk of the claims, due to the many rich entrepreneurs and millionaire family members who were drowned.

The total loss is estimated to be in the region of $20 million and one of the largest payouts was by the Travelers Insurance company of Hartford who paid out a life policy for over $1 million.

The sinking of the Titanic also brought about the first and only insurance claim for a car being hit by an iceberg, by a Mr William Carter who claimed five thousand dollars for his 25 horse power Renault, lost at sea.

Hire a Good Workers Compensation Attorney and Let Them Secure Your Benefits

With all of the challenges that many people are facing when they are trying to apply and get approved for certain entitlements, you can’t afford to lose your right to be compensated for your workplace injury. Even though the accident may truly have been something that was beyond your control, you need to hire a workers compensation attorney to fight for your rights. It doesn’t matter how good your employer has been to you, the moment you file a claim, they will do everything in their power to avoid having to pay you a dime. It is not your fault that you were hurt, nor is it fair for you to try and have to figure out how your bills are going to get paid. You earned and paid for the right to get your claim approved.

It doesn’t really matter what step you are in, all that matters is that you take the time to find a good workers compensation attorney. You can’t afford to take chances and let a corporation take away what you’re entitled to. With so many business and employers reducing the amount of benefits and coverage they offer to their employees, you shouldn’t be so naïve as to assume that they are genuinely invested in your wellbeing or livelihood; any dime they have to pay to you comes out of the insurance they already have. It doesn’t really come out of their pocket at all. But you being injured as a result of a workplace injury does affect your finances if you are not able to work as a result of it.

The earlier in your situation that you hire a good workers compensation attorney, the sooner you will be able to receive what you are entitled to. You could end up having the amount you are entitled to reduced or end up getting denied if you don’t. Why put yourself through all of the stress, and hassles if you don’t have to? Believe it or not, just because there is proof that you were injured on the job doesn’t mean that you will automatically be approved for benefits. There are other criteria that have to be met and if your employer decides to dispute anything, you could be looking at a long uphill battle.

Regardless of your situation and how you feel, do yourself a favor and hire a workers compensation attorney that has a great deal of experience in winning for their clients. Take a look at the statistics and you will be able to see that people who hire the right kind of legal representation for their claims have a much higher percentage for getting their claims approved and their benefits paid to them. You can’t keep wasting time thinking that things will turn out right. Hire an attorney and know for certain that they will take care of things.

Nine Discounts That Could Help You Save Money on Car Insurance

When it comes to saving money on your monthly expenses, car insurance is not something you want to go without. Not only is it illegal to operate a vehicle without minimum coverage, but having a good policy also protects you, your loved ones, and your vehicle investment. Fortunately, getting a top policy doesn’t mean you have to pay a premium price. There are many ways you can save on your car insurance, and one of the main ways is by receiving discounts. Here are nine discounts that you may qualify for that could save you a bundle on your monthly payment.

Payment Discounts

You have to pay your car insurance premiums no matter what, so why not pay them in such a way that saves you a little money in the process? If you can swing it, paying a full year’s or half a year’s worth of premiums up front may allow you to qualify for a discount. Not an option? You can still receive a discount on many policies just by signing up to have your payments automatically drafted from your account. In many cases, you can also receive a price break by signing up for paperless billing, allowing you to save money and de-clutter your mailbox at the same time.

Bundling Policies

Holding multiple policies with the same insurer, or bundling, often allows the policyholder to receive a discount. Having multiple vehicles covered by the same company is another way that customers often qualify for monthly savings.

Defensive Driving

By taking a quick defensive driving course, you can save money on your policy costs. With many courses being offered online, completing a course is quick and easy, and doing so can provide you with valuable knowledge to protect yourself and others on the road.

Safe Driver

Get rewarded for being a safe driver and having a clean driving history by receiving a discount. Many companies offer these types of savings, so it is important to check with your provider and see if you qualify.

Green Vehicle

Not only do you reap cost savings when you purchase a fuel-efficient vehicle, but you can also shave dollars off your premium cost as well. Many companies are ready to reward eco-friendly vehicle operators by helping them save on their monthly bill.

Safety Features

Vehicles with certain safety features often qualify for insurance discounts. Some safety features that may qualify for cost savings include daytime running lights, airbags, motorized seat belts, and anti-lock brakes.


Sometimes shopping around for the best policy can you get the best deal, but it can also pay to stay with the same insurer. Many companies offer policy savings to loyal customers.

Good Student

It is no secret that insurance policies for young drivers can be very expensive. However, a young driver who is also a good student can reduce some of that expense by qualifying for cost savings through earning good grades in school. Some companies even offer discounts to students who are attending school far away from home.

Military and Occupational

Members of the military are eligible for premium cost reduction with many companies. Certain other occupations may also be eligible for savings, including teachers, nurses, police officers, and firefighters, so it is important to check with your provider to see what they offer.

While you can’t be without car insurance, you can go without paying full price. By knowing which discounts are available and taking advantage of the ones that apply to you, you can shave costs off of this monthly expense and enjoy a little extra cash in the bank.

Why Comparing Car Insurance Is Important

Comparing car insurance policies online while buying a new policy or renewing an existing one is an absolute must task. If you care about your car and money which we are sure you do, then you should definitely do your homework before buying your car insurance. With the presence of multiple insurance providers, buying car insurance may be more confusing than convenient for you. The easiest way to get the best deal for your car insurance is by comparing it. You should compare car insurance due to the following factors:

Save on Premium Rates

Every insurance company has a different pricing policy and different base plans because of which your final insurance quote will look different from different insurers. This not only depends on the name, age and model of your car, but also on the various components of the insurance policy, the base rate and pricing structure of the company. Thus, you ought to compare car insurance from different insurance companies to get an idea of the industry rates. This will allow you to pick up the insurer who is offering you the best premium policy at the lowest price.

Power of Choice

Online comparison empowers you to vary some of your key inputs and calculate the premium cost almost instantly. These key inputs, in the case of car insurance, are Insured Declared Value and voluntary deductibles. Both these factors have a significant impact on your car insurance premium. Higher the IDV and lower the voluntary deductible, higher will be your premium amount. Thus, you can weigh the two and set them as per your needs and requirements. An online comparison allows you to customize each one of them and see their individual effect.

Add-On Covers

Car Insurance add-on covers are very powerful and can help you get the best policy at a reasonable price. In case you do not know which cover is the best for your car, you can compare it on online aggregator’s website and get a detailed idea about each one of them. Not all companies offer the same set of add-ons; hence you can compare it for multiple companies and select the one that best matches your requirements.

Discounts and Other Offers

Most of the companies give attractive discounts on car insurance in view of attracting new customers and beat the competition. You can easily get an idea of the discount offered by each company and their terms and conditions therein. When you compare the car insurance, you will come to know which policy gives you the maximum discount for your car. Everybody loves the discount, but it is important that you do not miss on the key features of the policy in lieu of a discount.

Check the Reviews

Most of the comparison tools give a comprehensive comparison of the policy from different vendors. This also includes comparing the star rating of the company, their feedback from the clients and the reviews by the customers. These reviews and ratings often play an important role in influencing your decision. Thus, it is worthwhile that you go through these ratings in details and get a clear idea about the insurance company and the plans available to them.

No Claim Bonus (NCB)

In case of renewing your car insurance, NCB can play a key role in determining the final premium amount of your car. NCB is the discount offered on your insurance for the next year in case you do not make any claim in the current year. Although the NCB percent is standard, you can still account for this factor while comparing your final premium costs from all the insurance companies.

It is true that buying a new car insurance policy or renewing an existing policy may sometimes look to be a challenging task. But with several online aggregator websites and comparison tools available, you can get a clear picture about all the policies in one go. You can not only compare the same policy from different vendors, but may also compare different policies offered by a single vendor. Thus a detailed comparison will give you a clear idea of all the policies available and help you select the best one for your car.

Personal Injury Attorney – How To Find Them

A personal injury attorney is specialized in handling cases regarding personal injury–claims and settlements. An attorney with long years of service may be advantageous but what you must look for is his/her multitude of law skills and of course, a depth of knowledge on your special case. If he/she has a long line of personal injury cases he/she has handled and won in the past, the better. Otherwise, look for someone who already knows the drill.

The search for personal injury attorneys may never be easy especially if you don’t know where to begin your search, how to do it and who to look for. If you’re living in New York, your hardship may even be twice as difficult. So here are a few tips on how to search and find your personal injury attorney:

Law Firms that are Legally Accredited

Anyone would prefer a top quality law firm to handle their cases. And for you to find the topnotch lawyers, you must be sure that you’re looking at law firms that have been legally accredited by legal law accreditation agencies in your country. Start by looking into the State Bar Association’s official page and check if the firms you have in mind are recognized by the state bar.

Official Pages

Many law firms in America have a corresponding official website. Use your favorite search engine and narrow your search. For example, if you key in “personal injury attorneys in Manhattan”, your search engine will give you a million results. Once you’re in the site, be sure to check in the law firm’s history. The downside of this is that there’s a good chance that the websites won’t even tell you the percentage of cases they haven’t won compared to the cases they did.


Lastly, there is nothing much more convincing than a personal interview. After you’ve done your background check, set an appointment with the law firm you’ve chosen. Most of the time, a law firm would ask you about your case first before they decide whether they’d like to be hired or not. I know its upside-down but that’s what it usually is (although there are exemptions, of course). In reality, there are firms who may not want to handle your personal injury case especially if the monetary compensations are too low for their standard professional fee. Although not all, most firms will want to get at least 20-30% of the monetary fee once they win the case. Therefore, if you think your case can be handled without the aid of lawyers and legal proceedings, you may do it. A lot of plaintiffs have been handling their cases all by themselves.

Powers Of Attorney Vs. Successor Trustees – Does One Have More Power Than The Other

Question: I am listed as the Successor trustee, my bother is listed as the Durable Power of Attorney for property management of my father’s estate. Does one have more power than the other. Does the POA have the power to sell my dad’s property or do I the successor? Thanks ahead of time – really confused. N.H.

Answer: Dear N.H. – Generally speaking, you can have as much power under a power of attorney as you can as a successor trustee. As a practical matter, however, the laws of most states are better defined with respect to trustee powers and financial institutions are more accustomed to dealing with trustees. So, that sort of gives the edge to trustees. If you’re concerned about a specific type of power, you’d have to check the laws of your particular state.

Your question, though, is whether your brother has the power to sell your dad’s property under his power of attorney or whether you have the power as successor trustee. It’s not clear to me whether your dad is still living or not. Assuming that he is, then he’s probably the sole trustee of his trust and you’re just waiting in the wings until he steps aside. If that’s the case, then you don’t have any power to manage his property. If there is any property in your dad’s trust, your dad would be the only person who could manage it since he is the sole trustee.

If your dad is still living, then your brother would have the power to manage his property right now, even though your dad is able to do it on his own. In most cases, however, the intent is that the power of attorney would be used only in the event the principal (i.e., your dad) is unable to attend to his own affairs.

The real issue here is who owns the property? If your dad owns the property, then your brother has the power to manage it under his power of attorney. If your dad’s living trust owns the property, then the trustee has the power to manage it under the terms of the trust instrument. That would be your dad, if he is the trustee, or you, if you are the trustee.

If your dad is no longer living, then your brother’s power of attorney would be null and void, and any property owned solely by your dad would become probate property. That property would then be managed by the executor under your dad’s will or by a court-appointed administrator. The property in your dad’s living trust would continue to be managed by you as the successor trustee.

That being said, I’m concerned that you and your brother have been placed in a very difficult position that will result in a major rift between you and your families. By your question, it’s already apparent that a disagreement is brewing.

Unfortunately, this almost always happens when siblings are placed in different roles, as with you and your brother. It creates a natural conflict that cannot readily be avoided as long as you remain in different and conflicting roles.

It is for this reason that I always recommend that all siblings be appointed to each of these positions – at least to the extent possible. Yes, it becomes cumbersome if three or more siblings are appointed as attorneys-in-fact, or as successor trustees, or as executors under the will. And, yes, you may be able to exclude some siblings without hurting any feelings, if, for example, some are too young, or too old, or live too far away, or have certain physical or mental disabilities that prevent them from serving. The important point, however, is that none of them should be offended and no conflicts should be allowed to exist. If that can’t be accomplished with the appointment of siblings, then an independent professional should be appointed to those positions. Its always better to have the siblings united against someone else rather than divided among themselves.