If your beneficiary designations are out of date and you die without updating those designations, your assets could go the wrong people–a former spouse, for example–no matter what your will says.

Talk to any financial adviser, and they will urge you to retire without debt.  However, while the goal of beginning your golden years in the black is laudable, the reality can be very different.

Creating a will should be the first step in a comprehensive estate planning process since it allows you to ensure that your wishes are properly carried out after your death.

You might be surprised at how many questions arise surrounding financial issues, legal arrangements and lifestyle choices.

The HIPAA Privacy Rule permits the sharing of health information by healthcare providers, health plans, healthcare clearinghouses, business associates of HIPAA-covered entities and other entities covered by HIPAA Rules under certain circumstances.