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Contemplation about your death is never pleasant, but doing the wise thing by foreseeing the possible circumstances of your demise and impact on your family is an honorable act. A last will is a document/form that will ensure your wishes are upheld upon your death.

The most important reason why you probably want to make a perfect last will and testament is because you want your loved ones to inherit your precious wealth. You can also use a last will to determine whom the legal guardian(s) for your children will be. A tax efficient last will can help ensure your wealth is mainly transferred to your loved ones by allowing you to name an executor of your will. The executor will ensure the application of the will.

There are a few basic things you should consider while making your will. Make your will at a young age before your so old or become so senile that it could be argued you were too mentally incompetent to execute your last will and testament. Also, remember to always date your last will since a newer last will always cancels out the older last will and testament. Finally, its best to keep your last will as simple, precise, and as easy to read/understand as possible.

Whomever the will is for (the “testator”) must sign their last will and testament in the company of at least two witnesses who are not beneficiaries of the will and can attest to it. Each page of the last will and testament must be signed by the testator, numbered, and dated accordingly (any corrections must be countersigned).

It is best to keep the will in a safe place you and the beneficiaries know about; typically this is a bank vault. Any signed copies can be held by an advocate. Codicils can be attached to it and read out to make changes in the will. Although, if there are too many changes it’s best just to write a new will.
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According to Jennifer Baker of the Forest Institute of Professional Psychology in Springfield, Missouri, 50% of all first marriages will end in divorce, 67% of all second marriages will end in divorce, and 74% of all third marriages will end in divorce. Many times people go into marriages for the wrong reasons, and predicting the future many years down the road is quite impossible. Thankfully, in the U.S. it is quite simple to get a divorce, thats if it remains uncontested by the spouse. If the spouse does not agree with all the conditions of the divorce thats when your going to need a lawyer.

When filing for an uncontested divorce it is not required that you have a lawyer. An uncontested divorce is simply a form you file. If both you and your spouse agree that a divorce is the best option, and can agree on the terms of the uncontested divorce, then filing for divorce will be very inexpensive and easy. You can download uncontested divorce kits that help you prepare your own for a mere twenty bucks, or pay a paralegal or attorney to prepare the form for you for about two-hundred bucks. If you both can not agree on how the assets you jointly own can be divided then you will need a lawyer to contest the divorce in court and allow the judge to decide how to split those assets for you. Although, If you both agree on how your jointly owned assets can be divided then you qualify to file for an uncontested divorce, which doesn’t require a lawyer.

Understand that once you file and both agree to the uncontested divorce, then the divorce is final. In a contested divorce, which requires a lawyer, the judge will usually do what is called a “trial separation”, where couples will separate for awhile to see how life works without each other. Sure if you want to go the expensive route and If the judge put you two on trial separation you could change your mind about divorce before the proceedings are finalized; but this will cost you even more money, plus all the time you wasted just to get to this point.

Now that you have a good idea about the differences between contested divorces and uncontested divorces, let me be clear about uncontested divorces, which is obviously the best route to go. An uncontested divorce means that both parties completely agree that divorce is in their best interest and there is nothing left to argue about, either in terms of the divorce itself or the division of assets. Some couples may have already split their assets and moved out, so filing for divorce for them is almost just a formality.
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