Unison Wealth – What You Need To Know (Part 2)

Note: If you haven’t read part 1 of this Unison Wealth article, click here to read it now.

Actually the correct title is: Does anyone really know who is behind Unison Wealth? Here’s why:

When the domain name was first registered, it was registered to:

Registry Registrant ID:

Registrant Name: SIDHANATH SING

Registrant Organization: UNISON

Registrant Street: 439, JHARKAND

Registrant City: DHANBAD

Registrant State/Province: MAHARASHTRA

Registrant Postal Code: 120078

Registrant Country: IN

But before the program launched all the registration information was changed to private. Simply meaning they didn’t want anyone knowing who is behind Unison Wealth. This alone should be a major red flag to you. After all it is your money they are asking you to give them to pay you, so why all the secrecy for such a “legitimate” company as they like to portray themselves. But it gets even better.

So let’s just take that Sidhanath Sing is the admin of Unison Wealth. Actually several people have credited him with being the admin of Unison Wealth. The only problem is that questions have been raised about the address given when the initial domain registration took place is a bogus address.

Sidhanath Sing’s Revealing Statement

Now let’s talk about Sidhanath Sing. To do so I must remind you of a statement about the introduction of the program on Money Maker Group the claim was made about a matrix program that, and I quote:

“3 Years Ago A Cycler “PAID THOUSANDS OF DOLLARS” TO Members PASSIVELY For Months!”

So why is this important? Well, three years ago there was another matrix program that claimed to do most of the things that Unison Wealth says it is offering called The Golden Path. This program was launched back in March of 2012, hmm about 3 years ago, and only lasted until around August before they had payment problems and it disappeared in late September. OK, so what does this have to do with Sidhanath Sing? Well the person whom they gave credit to for developing the program and was the mod for the program was none other than Sidhanath Sing. If you compare the two programs you will see it has his M.O. all over Unison Wealth.

Sidhanath Sing – No Stranger To Ponzis

Between being the mod for The Golden Path and now launching Unison Wealth, Sidnanath has been no stranger to Ponzi’s. He was one of India’s top promoters of the Banners Broker Ponzi which got in legal trouble in India. About the time Banners Broker encountered all its legal problems in India, Sidhanath Sing suddenly moved and it is now claimed he is living in Oman. Kind of makes you wonder why the sudden change of address doesn’t it?

So now we know that all registration of Unison Wealth is hidden from public view, and as stated in part one, since not only is Unison Wealth an illegal pyramid scheme it is also a security/investment. This means it must be registered with the SEC and whoever the admin or someone official is in the organization must also be registered and licensed to sell securities with FINRA. Of course neither of these registrations exist, or for that matter is Unison Wealth registered to do business anywhere it is accepting members; which makes it an illegal program in its own right.

But here’s the real problem: You have no clue where your money is going or what it is being used for besides the promise they will pay you a 440+% rate of return. They are private for a reason.

They don’t want anyone knowing who is all behind this program or what they are up to with the money. That should be a major red flag.

Suckers Wanted – How the Game is Played

But as one poster put it to me, and I quote: “Does anyone really care LOL. We’re all making money here and the smart folk who play these money games know the game. Gotta love good Ponzies.”  Or as another put it, and I quote: “Who care who the admin is or where does he located??? We are making money and we are happy.”

Now what the first quote said is exactly how these programs work. Did you catch it? Here’s what I am talking about: “The smart folk who play these money games know the game” and they are right. They know you get in early and get out early. You sucker the uneducated about how this game is played by telling them how great the program is, how honest the admin is, it is paying, it will last a long time, etc., etc., and sadly these are the ones that will lose all their money. And yes to the promoters and players in this arena, it is a game. They just don’t tell you how the game is played. For if they did you wouldn’t play.

You see you really don’t know where you are in the matrix. You only know what the admin shows where you are in the matrix. That does not mean that is your real position. As the saying goes, most of the time it is nothing more than just numbers on a screen. This was the partial title of a book written by a good friend about the PIPS saga back in 2004-2005 that was a huge Ponzi run out of Malaysia. They do this to keep you in the game and believing in the program that you will get paid over and over, when it is all a smoke screen and not real.

How Much Longer Will Unison Wealth Continue to Pay?

The truth is no-one knows how much longer Unison Wealth will continue to pay except the admin. I have provided my best guess estimate based on the numbers and the amount of money being put into Unison Wealth, but it is just that a guess. It could collapse next month if they feel the authorities might pounce on them, or until the end of the year. This should also be a major red flag to you not knowing how much longer it will last. I can tell you that for every day that goes by, the shorter the time frame is before they do run with the money if the authorities don’t shut them down

Remember, every time a new member joins, the number of people needed to pay these new members is at least 44 new members joining. Let’s say that there are 120 new members who join now. That means for all 120 to get paid there has to be at least 5280 people who must join for this 120 to get paid. Do you think this will happen? See what I mean how each new member makes the liabilities go up exponentially?

Let me now go back to what I mentioned in part one about The Achieve Community. Their promise was for every $50 you invested with them, they would pay you $400, a return of 800%. This meant that for every member joining, they had to have 8 new members joining. So using the same number of new members of 120, this meant that for those 120 to get paid, Achieve had to have 960 new members joining. See how it makes no difference what the rate of return is that for the new member joining how many other new members it takes for them to get paid.

Now you are probably wondering why I chose 120 new members in both examples. It is very simple, 120 is the number of new members that Unison Wealth said that had joined in the last 24 hours. This illustrates why these matrix programs cannot last for any long length of time as the numbers totally overwhelm their ability to keep paying as promised.

To stop the damaging effect of the members that “hit and run”, a new withdrawal policy was implemented according to a partial Admin Update which said:

“At UnisonWealth, it is our responsibility to ensure that the mistakes done by other programs are not done here and that is what makes a program different from others. One of such “In-built Errors” in most of the passive programs is that they are not balanced in respect of distribution of income amongst the members. Though, we have designed our system in a manner that this doesn’t happen in UnisonWealth but there is always a room for improvement. Therefore, we areimplementing a New Withdrawal policy with immediate effect.

As per the new policy, ONLY after a member who has recovered his/her amount deposited, he/she will get 67% paid of their withdrawal requested, 3% will be deducted towards Withdrawal Fee and balance 30% will go in their own PIF wallet. Therefore, until you recover your amount deposited, there is no deduction apart from the 3% withdrawal processing fee and it is only the members in profit, a part of whose withdrawals will go in their PIF Wallets.

This policy is necessary to balance the system as it will result in the members in profit supporting the system even more as they will either buy more subs from the funds in PIF Wallet or PIF other members. In any case, more and more subs will be bought as members in profit would be forced to buy maximum subs allowed. At the same time, the members, who are yet to recover the amount deposited by them, will be completely unaffected from this policy as they will be entitled to withdraw 100% (minus 3% fee) till they are in profit. This will really set up the program being a level playing field for those who have just joined and, therefore, result in amazing growth and longevity of the program. This program has worked FLAWLESSLY from the beginning.”

Before I explain what they were really saying, let me ask you a question: If this truly has been working flawlessly from the very beginning, why would they need this new rule? The claim was this owner/admin had thought of it all and solved all the problems with a matrix program lasting any length of time when it launched.

Heres’ What They Really said:

If we don’t put a stop to paying 100% of what we promise to pay you this will collapse a lot faster than we thought. We have to keep as much money in the program as long as possible to keep the illusion we are a real program and keep paying. This allows us to suck in many more people so we can keep going a little longer before we run with the money.

For if you truly believe that you can give Unison Wealth $35, do nothing, and they will pay you $1545 you have to suspend all logic, common sense and mathematics.

The Truth About Unison Wealth

Despite all the claims by Unison Wealth and their promoters how “different, unique, and visionary” Unison Wealth is, they are the same old matrix program with a new dress and new lipstick trying to pass itself off as the newest and greatest evolution of matrix programs. Just look up The Golden Path and you will see what I mean. The only difference between The Golden Path and Unison Wealth is the entry fee to join. You see the entry fee in The Golden Path was just $2, which is magically what a mini sub goes for in Unison Wealth. A Coincidence? I think not, but you be the judge.

Note: If you haven’t read part 1 of this Unison Wealth article, click here to read it now.

Unison Wealth – What You Need To Know (Part 1)

Note: If you’re looking for part two of this article Click here.

Unison Wealth – The “Lates and Greatest” Cycler?

The latest and greatest program that is promising fantastic rates of return are the Cycler Programs. The first of these programs was The Achieve Community which promised an 800% rate of return. Yes you read that right. They claimed that they could take $50 and turn it into $400.  After about a four month run, Achieve started having issues. When this happened, there were immediately four new cycler programs to take its place. Of these, Unison Wealth got the most attention, and many from the non-paying The Achieve Community immediately jumped on this program trying to keep their cash flow flowing.

In part one, I will lay out what Unison Wealth is promising, how it is being promoted and why of all of the cycler programs running right now, this one is the worse of the lot.  So let’s jump into the promotion of Unison Wealth.

How Unison Wealth Is Promoted

As with most of these programs, they are promoted on the largest Ponzi boards going today Talk Gold and Money Maker Group, both of which have been named in other Ponzi’s that were taken down by federal law enforcement agencies and the SEC.

Here is how Unison Wealth was promoted on Money Maker Group:

3 Years Ago A Cycler “PAID THOUSANDS OF DOLLARS” TO Members PASSIVELY For Months !

For The First Time After Months Of Dedicated Work Behind…

A Powerful Combination Of “PASSIVE CYCLERs” Where All The Member Gets a FAIR Chance Of Cycling!

UnisonWealth Payplan is based on a Company Forced Matrixwith Daily Subscription BUT with a Revolutionary & Breakthrough Enhancement!

** Each $2 Position has potential of earnings of $103 in Cash and $56 in Subscription Wallet **

** 5 Stages Of 4×1 Earns You $2, $4, $7, $20, $70 Per SUB!

** The KEY is that You ALSO Get ** $2, $3, $6, $10, $35 In Members Subscription Wallet Per Sub across 5 Stages!

** Sponsor Cash Bonus ** $1, $1, $2, $25 You Get Cash Bonuses When Referrals Cycle!

** RECRUITERS WALLET BONUS ** $1, $2, $6 You Get In Sponsors Subscription Wallet When Referrals Cycle!

** You Need Not Pay DAILY and $2 is Deducted Automatically Every Day From Each $35 Sub You Activate **

** No Re-entries – Members Earn Money in Subscription Wallet instead of Re-entries!

** IMPORTANT – No Account will get Terminated for Non-Payment of Subs as already 15 days’ advance payment for subs is taken. No commitment on your part thereafter!

Cash Wallet : Used for Funds Deposit, Purchasing Subs, Earnings and Withdrawals!

Subscription Wallet : Used for Payment of Daily $2 Subs And Gets Deducted Automatically From Subscription Wallet!

Unique Referral Plan – Upfront Referral Commission, Matching Cash Bonus on Cycling of Referral and Matching Subscription Wallet Bonus!

1 Member Can Purchase Maximum 20 Subscriptions !

Each Member can Buy Only 1 sub at a Time!

Only 1 Position per Sub will be Placed Daily!

A Fully Verified STP, PM, Egopay, OK Pay Accepted !

$35 Per 15 Days Subscription!

The Claim:

One of the major promoters of this program had this to say as it was preparing to launch back in November 2014:

“Unison Wealth is a new company forced matrix program that will be launching on Nov 20. I have studied this program very carefully and it is very well designed. This may be the best design that I have ever seen in any company forced matrix program.

The problem with most company forced matrix programs is that they have many re-entries. The problem that this causes is that the people that join first receive many re-entries and flood the the matrix with with their own positions within seconds of launch. Anyone joining after the first few will be placed deep in the company matrix.

Unison Wealth has solved this problem since there are no re-entries. Each position only cycles through one time. This allows people that join later to have top positions in the company matrix. This will create a fair and balanced playing field for all members.

Another problem with subscription based programs is that there are not enough funds in your account balance to maintain your daily subscription requirements. This causes members to lose all of their positions or possibly even lose their account.

Unison Wealth has solved this problem by maintaining two separate account balances. There is one account balance where your earnings are placed. You can withdraw these funds or deposit new funds into your subscription wallet.

The other account balance is your subscription wallet. Each day funds are removed from your subscription wallet and are used to purchase you a new position in a 4×1 company forced matrix. As you cycle additional funds are added back into your subscription balance. As long as you are cycling you mayl never need to add additional funds to your subscription balance.

Unlike other subscription based programs you will not lose your account if your subscription expires for lack of funds. You will continue to earn on your existing positions.

Each deposit is $35 where $30 of this is placed in your subscription wallet. The remaining $5 is used to pay 3 levels in referral commissions. The cost of each subscription is $2 per day. Once per day $2 per subscription is deducted from your subscription wallet. This is used to purchase you $2 positions in the 4×1 company forced matrix.

Your earnings as as follows each time you cycle…

Level 1 (4×1)

You earn $2.

$2 is sent to your subscription wallet.

Free entry into Level 2.

Level 2 (4×1)

You earn $4.

Your sponsor earns $1.

$3 is sent to your subscription wallet.

Free entry into Level 3.

Level 3 (4×1)

You earn $7.

Your sponsor earns $1.

$6 is sent to your subscription wallet.

$1 is sent to sponsor subscription wallet.

Free entry into Level 4.

Level 4 (4×1)

You earn $20.

Your sponsor earns $2.

$10 is sent to your subscription wallet.

$2 is sent to sponsor subscription wallet.

Free entry into Level 5.

Level 5 (4×1)

You earn $70.

Your sponsor earns $25.

$35 is sent to your subscription wallet.

$6 is sent to sponsor subscription wallet.

Your total earnings is $103 per $2 position.”

Admin Announcement:

“A VERY WARM WELCOME TO UNISONWEALTH PRE-LAUNCH MEMBERS!

A Very Warm Welcome to UNISONWEALTH PRE-LAUNCH MEMBERS

I am thankful to everyone who has put trust in UNISON WEALTH and gave it a HUGE OVERWHELMING RESPONSE !

First, I would like to cover certain important points :

DEPOSIT FUNDS, PURCHASE SUBS, UPGRADE LINKS DISABLED TILL 24-48 HOURS PRIOR TO LAUNCH

Members would notice that Deposit, Purchase, Upgrade links are not opening as these links have been disabled until 24-48 hours prior to launch. Members would be communicated well in advance when such links will open.

ADDITION OF MORE PAYMENT PROCESSORS

Based on suggestion by many members, we are considering addition of more Payment Processors. Members would be communicated of updates in this respect.

PURCHASE OF SUBS

Every one will get fair chance to buy the subs. At the Launch, Subs can be bought one by one. I will ensure that there is no pre-loading and everyone will have equal chance to buy even the first position. The same can also be viewed by everyone in the members area where statistics would be given in details (under the link “Next to Cycle”) to ensure transparency.

HOW IS NON-COMMITMENT OF CONTINUATION OF SUBS AFTER 15 DAYS GOING TO HELP?

While designing the program, I reviewed almost all previous daily sub programs thoroughly. What I found that those who joined late were being punished more for (1) their positions were not cycling (b) they were also required to continue to pay for their subs to save their accounts.

After lot of thinking, I came to conclusion that not having a compulsion of paying for subs after 15 days will give freedom to everyone. No compulsion means people will buy even days after launch as they would be fully aware that their accounts are not going to lose even if they do not cycle immediately. They will have a fair chance of cycling due to new purchases and positions coming in from Subscription Wallets of other members, thus continuing to push the system.

In the erstwhile concept of daily subs, members could not be sure as to how much they would end up paying for their subs and when they should stop paying. Say, you start with 5 subs of $2 each i.e, $10 each day, now if you are not earning, still you have to pay $10 each day till eternity. This also forced the leaders to stop promotion as people were losing accounts which created negativity and in turn slowdown in cycling.

Further, once a member earns here, his (and his Sponsor’s as well) Subscription Wallet also earns something, which will help in the cycling going. If one is not earning, his commitment remains limited to 15 days days only. So his commitment is increased beyond 15 days ONLY IF he is earning and not otherwise. That is the key here. Imagine the HUGE POTENTIAL if we all promote together as there is no fear of losing the account at all plus everyone helping each other in cycling.

A lot of hard work has been put in conceiving the concept and making the programming possible. I assure you Top notch support and Super Fast Payments.

That is why the slogan “Everyone Earns in Unison”

Lets together make UnisonWealth Successful !

Thanks

UnisonWealth”

Illustrating the sheer nonsense of the Unison Wealth program:

Here is what they want you to believe is possible, and remember this is passive which means you don’t have to do a thing for your money to receive this return.

Let’s say that you fund $355, which provides 10 subs.

Each sub will buy 10 spots daily for 15 days.  15×10 is 150.

Each position can pay up to $103 in withdrawn income..150×103 = $15,450

They also tell you that your one-time $35 payment will return you $1545

Now I want to draw your attention to one of the first things that was said about this great new program in its promotion and it is this statement:  3 Years Ago A Cycler “PAID THOUSANDS OF DOLLARS” TO Members PASSIVELY For Months!

Only for “months?”  Yep because these programs can’t last more than 8-9 months before they collapse from running out of people joining to keep paying. The reason is the only way you get paid is for new people to join and in truth they are the ones paying you, not the program. For every dollar you get paid, there has to be at least 440 new people joining so you can be paid your matrix cycle. Real lasting program isn’t it.

Unison Wealth and the Howey Test – i.e. Is Unison Wealth Offering Securities?

But it gets better. Now they are adding a lot of “other products” (ebooks, software, scripts, templates and videos with Master Resale Rights to you) to their mix trying to disguise they are an illegal pyramid scheme, at least in their minds eye, to the authorities.  They can try to add all the bells, whistles and shiny new things all they want but the underlying program is a matrix that is an illegal pyramid scheme, and qualifies as an investment. Which also means they are offering securities according to the Howey Test.  The Howey Test was a Supreme Court decision back in 1946 to determine what is the definition of a security regardless of what it is called. The ruling said:

“In the leading opinion, the Supreme Court of the United States, held that the definition of a security includes an investment contract, which is “a contract, transaction, or scheme whereby a person invests his money in a common enterprise and is led to expect profits solely from the efforts of the promoter or third party.  So if these four elements are present: 1. an investment of money due to 2. an expectation of profits arising from 3. a common enterprise 4. which depends solely on the efforts of a promoter or third party it is a security/investment.”

It makes no difference what you call it, as long as the answer to those four statements is yes, it is a security/investment.  This means that Unison Wealth must be registered with the SEC and anyone offering the opportunity must be registered and licensed with FINRA, who is responsible for licensing brokers who sell securities.  Unison isn’t registered or licensed anywhere to do business for that matter, but this will be addressed in greater detail in part two.

The Unison Wealth Mini Sub Purchase Party Gimmick

The latest gimmick in Unison Wealth trying to keep the money flowing into it was the announcement of a one-day mini-sub purchase program called the mini sub purchase party.  Here’s how this works:

A Mini Sub is a Subscription that any member who has upgraded to a Pro Member can buy. Each Mini Sub will cost $11. Out of this, $10 will go in your Mini Sub Wallet which will get you five $2 positions in the existing Level 1 matrix, one each for five days. Balance $1 is distributed as Upfront Referral Commission in 3 Levels (Level 1 : $0.50, Level 2 : $0.25 and Level 3 : $0.25). The maximum number of mini subs you can buy is 20.

What Everyone Should Know About Matrix Programs

What you also need to know is that it makes no difference what kind of matrix program is being offered, or what they claim is new and revolutionary, only 14% of all money taken in is ever paid out to the members.  It also makes no difference what they claim about how everyone is on the same level playing field, what you don’t know is that the admin, his family, friends, and rewards to the major promoters to get people to join have multiple positions in the matrix at the very top. On average of all matrix programs the top 100 positions totally belong to them.  Still believe this is a level playing field for all the members? But it did sound impressive didn’t it.

If current membership numbers are to be believed, Unison Wealth now has over 13,468 members and their first mini sub party they sold 3,374 mini subs.  Now remember it takes at least 440 members joining after you for you to get paid for your matrix cycle.  I think you can readily see how quickly these numbers will continue to grow exponentially to where it will collapse on its own within the next 4-6 months, if not before. There is no way they can continue to create money out of thin air, which is what they have to do to keep this paying. Once the number of new members slows down, this goes bye-bye.

Now for part two where I discuss who is behind Unison Wealth and why this information is important to you.

 Click here to read part two.

Smoke Detectors, Credit Reports, and Money Stuff

Alright, smoke detectors have little to do with scams, but changing your batteries now will prevent that random screeching that always seems to occur in the middle of a nap. First things first…

Protecting Your Money and Data

I am no computer expert, although a few things jump out if you want to avoid hassles that come with protecting your money and data. Consider having a computer used only for money stuff, only on a safe network. Use a reputable security suite and anti malware program. This computer is never for cute kitty photos from your Facebook friends, unless it is an emergency.

PaZZwurd$!!!! Make them long and difficult to guess, I use a unique one for each account. How do I remember them? I write them down and keep them near my computer like any other dummy. There are some password generation programs that store numbers for you, I can not in good faith venture which are the best. Two-Step authentication has become popular with many firms, if someone (or you) tries to log into your account from a new browser the company will text a code required to enter the site.

Protecting Your Credit and Your Tax Returns

Around the first of every year I get copies of my three credit reports to make sure no one is pretending to be me. They are free at AnnualCreditReport.com.  I request them all at once, shred last years and move on as long as things look normal. Some writers suggest getting one every four months throughout the year just in case something pops up. Seems like a hassle to me, considering a few other things now available. If there are any significant errors, best to send proof correcting the errors certified mail to each of the three reporting agencies. If necessary, involve state and federal attorney generals if errors are not being fixed by the agencies.

The credit freeze makes the most sense of everything out there. If you freeze your credit then at least in theory people can’t open new credit in your name. As a plus your level of junk mail should decrease. On top of the credit freeze a permanent opt out never hurts.

Protecting your tax return from fraudulent filing should be a consideration if you have been a victim of identity theft. Applying for a filing code will offer a layer of protection. This is a unique code the IRS will mail every year that must be included on your tax return. This should prevent a thief from claiming in a refund using your name and Social Security Number.

Resources:

Some credit card companies and credit unions are now offering a FREE FICO score as part of their service. I would not be paying any shysters for FICO, don’t fall for those scams. Your FICO score should not fluctuate too much from month to month making it a good way to eyeball your credit. A sudden plunge would likely come from lots of new debt and/or unpaid bills being reported on your credit file. If that happens, time to investigate, otherwise one less worry for the month.

Credit Monitoring services seem an expensive overkill if you have taken the steps previously mentioned. I am just some hack banging away on a keyboard, do what you want. What I added for about $30 was a rider on my homeowners policy that provides some coverage for legal fees in the event of ID theft. Still overkill IMO, but it seems every retailer in the world lost a zillion credit files last year so…

One other thought on this front is credit card versus debit card for everyday purchases. Liability is limited either way, but having your bank account drained from fraudulent debit card purchases could suck a lot until the money part of the theft gets sorted out. If you want to use a debit card consider a separate account that is not linked to your bill paying money. Fraudulent purchases are a when, not if, plan accordingly.

Moving on….

Money, it gets stuff done.

Many times elsewhere I mentioned, I do not like people near family money. Being ripped off on a part, for a thing that may be broken, while a bummer will in most cases not wreck your life. Not so when it comes to a life savings. Many people who don’t track scams for sport might be shocked to learn a $100,000,000 ponzi scheme is commonplace these days. A few this year were multiples of that, and don’t kid yourself judgements are meaningless money lost is gone forever.

Check your professionals at both the state and federal level each year. There have been a number of articles recently where broker infractions were not properly communicated between agencies. A broker could be clean at one agency, and dirty as an ashtray at another. This needs to be done every year, people change. When schemes implode there are any number that were run by folks with many years in the money business. Lump attorneys, trust companies and accountants in this process if they have access to your funds. Any whiff of the adviser having money problems or complaints should be all the prompting one needs to move their money rapidly to safety.

Duties must be segregated to keep your nest egg safe. If you are in a situation where the person managing your money controls the reporting, the deposits, and the withdrawals a problem could be brewing. If someone is managing money for you that money needs to be held in a segregated account, preferably with a major firm where you can verify without going through the adviser. When you need to take money out, an entity other than the adviser should be writing the checks.

Its not a bad time to look for unclaimed property because you never know.

Try and avoid confusion about money by having a list everything you own on one sheet of paper. This includes bank accounts, brokerage accounts, retirement plans, and insurance policies. Listed beside each is the beneficiary and contact information necessary if something should happen. Most banks and brokerage accounts allow for TOD beneficiaries. Don’t in my opinion add someone as a joint account holder unless that is really what you want. Like a husband/wife situation where the funds are truly shared. The obvious problems of fraud, lawsuits, and the possible loss of step up in basis are why I would avoid this.

While probate is not a scam, it certainly is not cheap or fast. Nor is a situation where someone becomes incapacitated and needs their affairs handled. Why I feel it important to spell out your wants in detail before something happens. The less people have to do when you can’t, the less likely they are to muck it up. Or the less likely your beneficiaries are to be taken for a ride.

That’s it for now, put the sheet someplace safe and enjoy your year.