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Wednesday, August 18, 2010 – Daily News – 5A Commerce business Rahming’s Quality In Home Care And Parent Helpers is owned by Mike and Joanna Rahming and provides care for the elderly that need assistance in the comfort of their own homes. Services include assis- tance with showers, dress- ing, medication reminders, preparing meals for them- selves and their pets; laun- dry, light housekeeping, transportation to appoint- ments, shopping, errands and lawn care. “Our main goal is to help keep the elderly in the com- fort of their own home for as long as they can be by helping them meet their needs at a low affordable This follow up article discusses the remaining top 10 estate planning mistakes we tend to see in the estate planning community. Only about 20 percent of the population has a formal estate plan. After reviewing the points below, please take a minute to consid- er whether it’s time for you to create or update your estate plan. 6. Not fund- ing your trust - A trust can be thought of as a safe. It can do a great job of pro- tecting your hard earned wealth, but if there’s nothing in the trust—i.e. nothing in the safe—what good does it do you? None whatsoever. Which begs another question, why would someone go to the trouble of purchasing or creating a trust and then not fund it? The answer is quite often that the person in question simply never gets around to it. He or she pro- crastinates, resulting in an unfunded trust—which is worse than no trust at all. 7. Not having your docu- price,” Joanna Rahming said. “In addition to the in home care for the elderly, we also provide care to sick Shawn McCammon Liberty Law change. Your needs and goals change; your financial situation changes; your chil- dren grow older and their needs change. The law itself is constantly chang- ing. And even if you’ve specified a trustee or execu- tor, the named person’s ability to follow through on your wishes may change as well. Updating your plan allows you to take these changes into account and avoid unintended con- sequences. 8. Dying in 2011 - We may say this tongue in ments reviewed and updat- ed - Once they have their estate planning and other documents created, many people simply file them away and never look at them again. Big mistake. An outdated plan can be as bad or even worse than hav- ing no plan at all. Your doc- uments should be reviewed, at the very least, every two years. Why? In a word, cheek but, given the current status of the laws governing estate taxes, there is nothing funny about how much of your estate will be lost to estate taxes should you pass away in 2011. That’s because the Bush adminis- tration’s 2001 estate tax modifications will expire in 2010, meaning the exemp- tion amount will return to the 2002 level of $1,000,000 (down from $3,500,000 for 2009) and the maximum rate will increase from 45 percent to 55 percent. If you think this is unusual, consider this: children in the comfort of their own home when par- ents get a call from their child's school or daycare laws governing estate taxes have changed more than 20 times since 1986. Which only underscores the impor- tance of getting expert legal advice to prepare for and cope with change. 9. Thinking a Living Trust alone is enough — The Living Trust is a pow- erful estate planning tool, but to truly ensure your wishes are carried out should you become inca- pacitated and incapable of making decisions for your- self, addendums can be extremely helpful. For example, an Advanced Healthcare Directive can dictate how you wish to be cared for and what steps you authorize medical per- sonnel to take to prolong your life. A HIPAA Autho- rization can ensure your pri- vacy while still making cru- cial medical information available to the people you want to have it. A Power of Attorney for financial affairs determines in advance who will be able to make financial decisions for you. Other commonly used addendums include Pour- over Wills, Assignment of Personal Property, Commu- nity Property Agreements, Appointments of Guardian- ship or Conservatorship, to name a few. 10. Not understanding Attention Tehama County Teachers! You could win one of THREE $100 gift certificates at Raley’s. Just sign up to receive FREE copies of The Daily News to use as teaching aids in your classroom. Request by 5 PM Tuesday, August 31 Contest details and order form online at http://www2.redbluffdailynews.com/special_section/171 or call 527-2151 ext 128 for more information D NEWSAILY RED BLUFF TEHAMACOUNTY & enterprise Home care and parent helpers informing them that their child is sick and need to be picked up. We can meet the parent at the home if the child is sick and the parent can’t afford to miss work.” The business is at 1428 Eastridge Drive, Red Bluff. Mike Rahming grew up here and attended Jackson Heights Elementary School. Joanna Rahming is a Certi- fied Nursing Assistant, RCFE Administrator and has 11 years experience in health care. Office phone hours are 8 a.m. to 6 p.m. Monday through Friday, but care is available 24 hours a day. Call 529-2667, 366-2937 or send an e-mail to Rah- mingQIHC@aol.com. Top 10 estate planning mistakes — Part II that the biggest problem is not the IRS - If the biggest threat to preserving your wealth is not the IRS, who or what is? Frankly, it is human nature. None of us wants to think about our own deaths or the possibili- ty of becoming incapacitat- ed. Consequently, we tend to put off taking the steps necessary to prepare for what the future may hold. We procrastinate. And our loved ones often suffer the painful financial conse- quences. Perhaps Walt Kelly put it best: “We have met the enemy and he is us.” Shawn McCammon of Liberty Law, A.P.C. is a local estate planning attorney. He can be reached at 529-4329 or www.libertylawapc.com. *RAIDERS TICKETS FOR SALE* Red Bluff Jr. Spartans Football Fundraiser End Zone Tickets 3rd level $ 1st & 2nd 40.00 level $ , 45 Tickets must be ordered 30 days in advance. Contact Jenn Moniz with Red Bluff Jr. Spartans: (530) 524-0110 or jennrbyf@yahoo.com P.O. Box 8027, Red Bluff, CA 96080 Business Scene Motorsports mechanics Statix Motor Sports is a new locally owned and operated business in Red Bluff located at 450 Antelope Blvd. #46. It is owned by Kent Garcia and Tony Wag- ner. Garcia has seven years experience in the motor sports industry as a parts manager and service writer as well as many other aspects of the industry. He has spent many years working in the Red Bluff area as a local parts and service person. Wagner has 10 years in the field as a motorcycle technician since his graduation from the Motorcycle Mechanics Institute in 1999. As a factory certified technician Wagner has spent many years in the com- munity servicing and repairing motorcycles and ATVs. Both Garcia and Wagner share a passion for motor- cycling. Wagner is an avid street bike rider and can be found at Thunderhill Raceway attacking the street course or the local dirt bike tracks and trails. Garcia is often riding local dirt bike tracks such as Finger Lake Raceway, Cycle Land in Chico, E-Street and River Front in Marysville and local trails. Garcia and Wagner hope to have a long relationship with the people of Red Bluff and surrounding areas, striving to always take care of their customers and their motorcycles, ATVs and side by sides with great cus- tomer service and factory certified repairs. Hours of operation are 9 a.m. to 6 p.m. Tuesday through Saturday and the phone number is 529-3654. Real estate co. honored United Country Real Estate has announced that United Country – Allegiance Real Estate Associ- ates of Red Bluff earned the company’s President’s Round Table Award for the first half of 2010. “Even though the economy hasn’t quite normal- ized, we’ve focused on the things we can control, like providing outstanding customer service and superior marketing programs,” said Lee McLeod, owner and broker. “Combined with the tools our home office provides and plenty of hard work, this strategy has allowed us to not just survive in today’s market but to thrive.” The business can be reached at 529-4111, and its listings can be found at www.ucarea.net. United Country Real Estate is the largest fully integrated franchise network of conventional and auction real estate professionals in the United States. Barber Shop $ Cheers 600 Open 6 days 570-2304 259 S. Main St. Tractor Supply Center Pages of History Red Bluff – Tehama County A special publication of The Daily News Pages from The Daily News and its preceding titles taken from editions of the newspapers published 1912 -1986 Distributed FREE as a gift to subscribers with home delivered copies of The Daily News on Friday, August 27, 2010 Additional Distribution: • 1000+ Copies to Tehama County elementary students with Newspaper in Education school-delivered copies, September 2010 • 2000 copies for distribution to new residents, visitors through Chambers of Commerce & The Daily News Advertiser sponsor boxes published on each page Limited page sponsorships available! BUSINESS SPONSORSHIP COST REDUCED 50%! • Some full color ad positions available Contact your Daily New advertising representative for available pages and further details. Deadline for Advertising Space Reservations: Thursday, August 19, 2010 Deadline Extended! D NEWSAILY RED BLUFF TEHAMACOUNTY (530) 527-2151 advertise@redbluffdailynews.com Senior Cuts Thank you to all who donated to our Back To School Project. 529-4074