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Latest article
The paperwork decides, not the intention
Whether an estate goes through a court is settled by what the documents say and whose name things are in, long before anybody dies. What a will does not do, the four gaps in a living trust, and the three unglamorous things that actually decide the outcome.
About 5 minutes · Sources named throughout
Frequently Used Terms
Twenty six terms across debt, estate and lending, defined in plain English, with a source on every entry that states a legal rule.
Educational Videos
Short videos on debt strategy, credit card rates, trusts and the paperwork behind them. One idea per video, sources named on screen.
From the glossary
Four that catch people out
Funding a trust
The act of retitling property into the trust’s name. An unfunded trust is a document about property it does not hold, and it is the most common gap in an otherwise sound plan.
Minimum payment
The smallest amount a card issuer will accept to keep the account current. Paying it keeps the account in good standing. It does not mean the balance is meaningfully reducing.
Time-barred debt
A debt old enough that the legal window for suing over it has passed. It does not mean the debt is gone, and in some circumstances a payment can restart the clock.
Beneficiary designation
The recipient named directly on an account or policy. These often pass outside a will entirely, which is why an out-of-date designation can quietly override a careful plan.
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