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Five Tips to Consider in Planning Your Estate

When it comes to estate planning many people do not understand the complexities involved. Below are five tips you should consider throughout your estate planning process.

1. Be Aware of the Beneficiary on Your Life Insurance Policy

Insurance in South Carolina is a non-probate asset, which means your assets are made payable directly to a beneficiary instead of passing through your estate. Why is this important? It is important because when someone passes away, that designated beneficiary can go and get the money from your policy immediately. If you have a beneficiary like an ex-wife named in your policy, then that person can obtain the money from your policy despite what your will might say. Therefore, I always advise my clients check the beneficiary on their insurance policy.

2. Know Your Life Insurance Limits

When reviewing or setting up a life insurance policy, always consider what type of policy it would take for your loved ones to be able to live at a reasonable standard at the time of your death. This is the best way to ensure your family will be taken care of once you are gone.

3. Prepare Your Will

A will is a very easy and inexpensive way to plan your estate. Having a will gives you a great peace of mind in terms of what will happen to your assets when you pass away. Your will can address your property, bank accounts, stocks, bonds, and some people even include instructions in terms of care provision for their children. A will is a vital component of good estate planning. If you do not have a will, then your assets might be passed through intestacy where it is subject to whatever the state statutes require in terms of how your assets be distributed. If this happens, your assets may not be distributed as you would like them to be. For example, if you are married and have children then your wife would get half and your children would get half. Some people prefer that when they die their spouse gets it all. Those types of issues would be controlled under the provisions of a will.

4. Prepare with a Power of Attorney

Power of Attorney is a document that allows an attorney in fact or an agent to act on your behalf. The Power of Attorney can sign your name on a check, deed, or lease and handle any affairs necessary on your behalf even if you are incapacitated. This document is very beneficial because if you ever get sick, hurt in an accident, or become incapacitated, then someone can handle your affairs. The only drawback to a Power of Attorney is that it is a fiduciary document. This term means that you would give someone authority to act on your behalf and have the expectation that they will act in your best interest. In choosing someone to be your Power of Attorney, you need to pick carefully. You will want to make sure it is not someone that could possibly exploit you. In the right hands, this is a very good document to have for the planning of your estate.

5. Prepare a Healthcare Power of Attorney

A Healthcare Power of Attorney is the same principle that we discussed with the Power of Attorney. The only difference is the Healthcare Power of Attorney relates more to your medical needs. A classic example of when a Healthcare Power of Attorney is needed would be when someone is incapacitated or hooked up to a ventilator. At this time the family is trying to determine what the next steps to take would be. The Healthcare Power of Attorney deals more directly with that type of scenario. Through the Healthcare Power of Attorney, you would designate an agent and that agent would document what you would like to happen if you were unable to speak for yourself. In the instance that your family was trying to figure out whether they disconnect a ventilator or remove the feeding tube, there would be some guidance provided in that Healthcare Power of Attorney so that your family would know what to do. This information would make it a lot easier on your family.

Each of these tips are a good starting point for estate planning. If you have not started estate planning, we highly recommend that you start looking into the options above. If you are interested in beginning your estate planning, you can contact us here at Finklea Law Firm for a free consultation to meet your Estate Planning needs.

~ Charlie J. Blake, Jr. (May 2019)

Charlie Blake Jr. Awarded Magazine Cover

Finklea Law Firm is pleased to announce that our attorney, Charlie Blake Jr., is on the cover of Diversity Works Magazine’s April edition! The article highlights numerous achievements of Blake and the respect he has earned from colleagues throughout his years serving as a lawyer across the state of South Carolina. Because of Blake’s leadership within the Florence community, the publication awarded him with this honor.

Listed below is the link to the April edition of Diversity Works Magazine for further reading.

http://www.diversityworkssc.com/images/stories/epub31/index.html

The piece, titled “When A Kind-Hearted Attorney Answers His Calling,” is on page 39 of the magazine.

Diversity Works Magazine exists to highlight and showcase organizations and employees that are socially conscious and inclusive. Finklea Law Firm is proud to have a member of its team recognized for being socially aware.

Congratulations Charlie Blake Jr.!

Top 5 Reasons You Need a Lawyer in Preparing Your Will

The act of preparing a will with an attorney is not an exciting option to some people. It is already difficult to discuss dying and the impact on our families, but the challenge is even more daunting when you consider visiting and paying a lawyer to deal with such an important matter. However, I am here to provide some encouragement and general information on why it is a good idea to see a lawyer to work on your will. I am confident that my colleagues can give many reasons, but here are five good reasons that you should consider:

  1. A Lawyer Will Help With All the Formalities. It is important to make sure that your will is not only properly executed, but the law requires witnesses. A lawyer can assist you with these essential details and provide some insight into important will components like selecting a personal representative.
  2. Estate Planning is Not Expensive. In lieu of drafting your own will or using one of the online wills, I would recommend discussing the cost of estate planning with an attorney. Many attorneys are drafting quality wills at a reasonable price and it is always easy to shop around for the best option for your budget.
  3. A Clear Expression of Your Wishes is Paramount. You cannot speak from the grave, so your will is the best chance to memorialize what you want to happen when you die. A lawyer will assist you in avoiding vague or confusing wording and lessen the likelihood of family discord after your death.
  4. If You Don’t Pick, the State Will Do It For You. If you don’t have a will, the State of South Carolina has intestacy laws that determine where your assets go after you die. These laws may not reflect what you want to happen. For example, your wife may be forced to split assets with your adult children under state law.
  5. What You Don’t Know About Estate Planning Can Hurt You. An attorney can assist you on general issues that you may not consider in drafting a simple will. For example, there are certain items like insurance proceeds that may not pass through your will. Also, it is smart to have a plan for assets that you may acquire after the will or that you may have just simply forgot about while preparing your will.

While you may certainly attempt to write your own will or just ignore such a difficult topic, I would recommend talking to an attorney. If interested, you can contact one of our attorneys at Finklea Law Firm here. You can also find more information related to our probate and estate planning services here. Peace of mind for you and your family is invaluable and it will take very little effort for you to have a plan to reach that goal.

~ Charlie J. Blake, Jr. (May 2019)

Voting Begins for Best of the Pee Dee 2019

It is that time of year again when the greater Florence community votes for their favorite businesses in the Best of the Pee Dee 2019 awards. With various categories, it is an honor that the people of Florence nominated Finklea Law Firm in the best law office category.

At Finklea Law Firm, our clients are family, and we need our family’s help. Vote for us today!

Listed below are the voting directions.
1. Click this link.
2. Scroll down to the “Services” category button.
3. Go to the “Best Law Office” section and vote.

Voting ends April 28th, so cast your vote for us daily until then. Thank you for all your support and help!

Welcome To Our New Website!

Welcome to Finklea Law Firm’s new website! We are so excited to share with you our new home on the great world wide web.

We designed this new site with you in mind, striving to make our site as user-friendly as possible. In addition to a new art direction, we structured our site in a way that is more intuitive for users. We want browsing our site to be a pleasant and enjoyable experience for you as you learn more about our organization and services we provide.

Check out specific features like our newsletter registration, information and consultation request forms, and this blog that provides you with news about the firm, legal concepts, and local Florence legislation.

So thank you for stopping by and checking out our new website. We hope you enjoy!

President’s Day

In the 1880s, George Washington’s birthday was celebrated as a federal holiday. When Congress passed the Uniform Monday Holiday Bill in 1968, moving many federal holidays to designated Mondays, there was a suggestion to rename the holiday to “President’s Day.” The proposers of this name change wanted to combine the celebration of Washington’s birthday with that of Abraham Lincoln’s birthday since both were born in February. The name change was rejected by Congress, and the enacting of the bill in 1971 simply moved the celebration of Washington’s birthday to a Monday. However, President’s Day became the commonly recognized name of the holiday that we celebrate today in honor of two great American Presidents.

As a country, America is blessed to have political stability and prosperity that no other nation has. With strong values to stand upon, our country has helped advance the world through innovation. Our hard work has yielded great blessings, which have been shown by our presidents since George Washington.

The Bible teaches that when the people are righteous a nation is held up, but when the people fall away from these values the nation suffers. Psalm 11:3 (KJV) says, “If the foundations be destroyed, what can the righteousness do?”

This President’s Day is an opportunity to remind us all of our duties as citizens to participate in the government of this great country, whether that be through voting, serving in the military, volunteering in our communities, or learning of our history.

#PresidentsDay

What Really Happened During the City Recreational League’s Pre-Game Events & the Respect Demanded During the Rendering of the National Anthem

This past Saturday, a staff member monitoring Facebook phoned to advise the Finklea Law Firm was tagged in a post about a sponsorship we provided. I first thought it was positive feedback from our partnership with the Florence Sheriff Department’s Patriot Ride in honor of 9/11 victims held that day. It wasn’t until later that my son shared with me a post from Facebook publishing, “It’s sad when a coach of a 5-6 year old flag football team makes [their] kids kneel during the National Anthem and the Finklea Law Firm should know about their sponsorship at the Florence city football please spread the word so it can be addressed.” Well, word did spread, and I would like to take this opportunity to address several issues.

What Really Happened

After thorough investigation and speaking with Coach A. Johnson and others, I can now say with certainty that he never instructed his players to kneel for the National Anthem, he never intended to make a political statement at this event, and that he is a God-fearing, Patriotic American who would never disrespect our Nation or its heroes by not paying respect to our Flag or our National Anthem. In the excitement of pre-game formalities, he could not get his young players calmed or settled down to pay attention to the announcer. He did instruct his players to sit or kneel before the prayer. Immediately after the prayer, the National Anthem was sung, and simply in the haste of the moment, his players did not stand. He certainly understands how this event could appear as a political statement, but that was not the intent. I have been assured by Coach Brown and my partner, Charlie Blake, who spoke with Victor Johnson, a League Official, that more attention will be given to the etiquette required during the pre-game formalities. 

My Observations of this Situation – Both Good and Bad

I was delighted so many patriotic Americans and fellow Florentines were concerned that we properly salute our flag and display reverence during the National Anthem. I was also delighted the friends and clients of our firm wanted to make us aware of this event. The staff at Finklea Law Firm and I try to be exemplary citizens and display our American pride through flying our U.S. and South Carolina State Flag at our office at 814 West Evans Street, showcasing a framed copy of the Declaration of Independence in our lobby, offering free US Constitutions and always willing to speak on occasions such as Constitution Day about our Godly American Heritage. 

I was disappointed however that so many rushed to judgment without first investigating, and second, how fast the false news of this event spread.  I was also disappointed that some drew negative opinions about our firm without inquiring about our reputation and beliefs.  Though the team in question bears our name, we actually had no connection to the team itself but we were asked to provide an opportunity for kids to participate in youth sports. We simply made an undirected donation to the League, and as a sign of appreciation, they placed one firm name on the jersey of a team that did not have a sponsor. We have pledged our support  in the past and will continue to do so to the Florence Recreation Department. We will gladly align ourselves with Coach Brown and the young kids he coaches and any other organization that seeks to train children consistent with Godly principles that promote love of our country.  

Protesting the American Flag and National Anthem are Counterproductive and Illegal

But for the despicable and dishonorable conduct of a backup quarterback from San Francisco 49ers and other patriotically challenged sports figures, the conduct of these 5 and 6-year-olds would have been dismissed as simply that typical of 5 and 6-year-olds. The actions of those like Colin Kaepernick are counterproductive, divisive, hateful, hurtful and encourage kids and even culturally illiterate adults to oppose authority and respect for our country. Has Kaepernick’s conduct unified, edified, built a consensus or open dialogue? Absolutely not. In fact, he has likely hurt the cause he sought to promote – a cause which is meritorious of discussion. What kind of country would we have if our citizenry followed the example of Kaepernick? Citizens that did not love our country? Citizens that have no respect for the national symbols that unify us? Citizens that do not have pride in being an American? Well, you wouldn’t have America of course, but we would have a mobocracy or ochlocracy. What will the Kaepernick type followers seek to protest next? Challenging the authority of our elected officials? Authority of our judiciary? Authority of our Law Enforcement – well, that is the problem we have now – a lack of respect for the Rule of Law established in the US Constitution and other laws. A free people cannot be governed by the whims of men that are ever-changing and dependent on the cultural desire of the day. 

There will always be some form of injustice in this county, but our founders established a process by which the will of the majority will prevail but constitutional provisions exist to protect the rights of the minority. The Fourteenth Amendment to our Constitution provides that no person shall be deprived of “life, liberty or property without due process of law” or “deny to any person…the equal protection of the laws.” 

Kaepernick’s Self-Serving Behavior Insults our Veterans and is Anti-American

The self-serving and disrespectful conduct of Kaepernick was first publicized during the 49ers’ season opener. It coincided with a salute to the military planned for that event, and the crowd was filled with veterans and many wounded veterans. If you want to talk about “injustice”, consider Kaepernick is bringing home an $11,000,000 salary and the veterans who he insulted that night don’t even have access to adequate health care – veterans who couldn’t stand to salute the flag because they lost limbs in defense of our country and veterans who can’t even function sufficiently to maintain a minimum wage job due to injuries, both physical and emotional, sustained in defense of the freedoms Kaepernick is exercising. Again, this type of conduct does not heal wounds, create dialogue or lead to solutions.

In a recent interview, Kaepernick was asked what kind of plan he had to further his goal of preventing racial injustice and minority oppression. His response indicated he had no plan and further evidenced he is engaging in self-serving and disrespectful conduct. An African-American Army Ranger summed it up succinctly by stating, “to disrespect the country that has afforded him the opportunities and fortunes he has acquired is only made more offensive by the fact that his life is the personification of the ideals…in the American flag and National Anthem; a bi-racial child, raised by white parents, and who has accomplished much despite his ‘oppression’.  In how many more nations around the world can a story like that come to fruition?”

Historical Review of the Flag and Anthem

     FLAG.  For a history of the US Flag, simply Google that phrase.  “For more than 200 years the flag has been the symbol of our nation’s strength and unity.  It’s been a source of pride and inspiration for millions of citizens.  And the American Flag has been a prominent icon in our national history.”  The flag today consists of thirteen horizontal stripes, seven red alternating with six white stripes. The stripes represent the original thirteen colonies; the stars represent the fifty states of the union. The colors of the flag are symbolic too: the red symbolizes Hardiness and Valor, white symbolizes Purity and Innocence, and blue represents Vigilance, Perseverance and Justice. Justice – yes, Justice! Kaepernick is obviously against taking time to study the symbol he is protesting as the message contradicts the meaning of the flag itself.

One of the more memorable images of the United States flag is when it was raised over Mount Suribachi on Iwo Jima by the U.S. Marines during World War II.  Another is where it appears in the background of Astronaut Buzz Aldrin after he and Neil Armstrong were the first men to walk on the moon in 1969.  A more recent is when it was raised by firefighters after 9/11 at ground zero almost 15 years from today.  The flag is a powerful symbol of Americanism and is proudly flown from capital domes to houses to our national cemeteries. 

     THE NATIONAL ANTHEM.  The Star-Spangled Banner became our National Anthem in 1931.  It was penned by Francis Scott Key on September 14, 1814 (a day short of 202 years ago), who had been inspired by the sight of the large American flag (30’x 42’) still flying over Fort McHenry after a night of heavy British bombardment from the waters of the Patapsco River off the Chesapeake Bay in the Baltimore Harbor.  I suggest you visit Wallbuilders.com and search for the history of the Star-Spangled Banner.  So many forget that the anthem consists of four verses, not one. Each verse ends with the affirmation that our flag shall wave “o’er the land of the free and the home of the brave.”  The last verse proclaims that our national motto is “In God is our Trust”. 

What does the United States Code of Laws say bout Kaepernick’s conduct? 

I don’t even think the President knew this in his response to what he thought about Kaepernick’s conduct in a press conference on September 10th – yet another missed opportunity to firmly affirm American values, the uniqueness of our Republic and how an active, informed, patriotic citizenry should respond to political issues. Specifically, Title 36 of the United States Code Section 301 specifically articulates the Conduct required during the playing of the National Anthem:

                §301(b) During a rendition of the national anthem-

  1. (1)When the flag is displayed-
    1. (A)individuals in uniform should give the military salute at the first note of the anthem and maintain that position until the last note;
    2. (B)members of the Armed Forces and veterans who are present but not in uniform may render the military salute in the manner provided for individuals in uniform; and
    3. (C)all other persons present should face the flag and stand at attention with their right hand over the heart, and men not in uniform, if applicable, should remove their headdress with their right hand and hold it at the left shoulder, the hand being over the heart; and
  2. (2)when the flag is not displayed, all present should face toward the music and act in the same manner they would if the flag were displayed. 

Unfortunately, though this section establishes a standard of conduct, it provides no penalty for its violation. 

The Bigger Problem

The bigger problem is far too many of us lack a basic knowledge of the decisive and sound principles beholden by our Founders.  For a simple but clear discussion of those principles, I would encourage you to read The Five Thousand Year Leap. In one of Ken Ard’s recent morning shows, he reviewed the results from a 2014 gallop poll. Forty-two percent did not even know the name of our National Anthem; 66% did not know who gave the Gettysburg address; 20% did not know what occurred at Pearl Harbor; 32% did not know what the Holocaust involved. Far less understood principles within our Constitution. 

The danger with the dumbing down of our citizenry and electorate is that we are susceptible to threats to our Nation – whether it be Socialism, Sharia Law, military threats, domestic policy, debt, infiltration of immorality, threats to a free-market  economy, erosion of checks and balances, shift of power within our 3 Branches of Government, failing to protect the family, a Godless society….These threats are here and they will only become more frequent, intense and diversified. If we cannot unite around themes involving the flag and the National Anthem which promote national pride in our freedoms, liberty, and patriotism, how are we going to unite to defend attacks on the principles of freedom and governance established by our Founding Fathers? 

What We Can Do

I was pleased to learn that sponsors dropped many players who followed in Kaepernick’s shoes. I was pleased to learn that in the 49ers’ game against the Chargers that Kaepernick was booed all 34 plays he participated until he was finally taken out of the remainder of the game. I was pleased that no Washington Redskins player protested the National Anthem in their recent game but walked on to the field in solidarity while holding a piece of the large American Flag displayed during the Anthem – now that is consensus building and making a statement!    

We can also protest in similar fashions. Don’t support the NFL or other groups until they make a firm statement on the divisive conduct of players within their association.  Turn off the television. I guarantee you if ticket sales drop or television ratings drop, financial pressure will correct their misconduct. Follow in the footsteps of the Chargers and boo any player who disrespects our national symbols. Follow in the footsteps of the Redskins and show unity and support for our great nation and flag.  America has a history of uniting in times of crisis just like after 9/11 or the shooting of the Emmanuel nine. We can rise above diversity and injustice, but there is a right way and a wrong way to go about it. Encouraging anti-American conduct is counterproductive. 

We can also take this opportunity to educate ourselves and children on the proper respect for our national symbols.  I would encourage every school and sports program to announce the proper etiquette when the National Anthem is delivered.  Review the history of the US Flag, the National Anthem and for those really interested, pick up a history book and review the events which lead to the birth of our great nation. My involvement on this topic began which the questionable conduct of a ball coach and 5 and 6-year-olds. We all have a responsibility to be good and Godly influences on our youth. Volunteer, educate and motivate the younger generation to become civic-minded, informed and responsible citizens.

The deadline to vote in the November election is October 8.  While the next President will have a multitude of avenues to shape power, the appointment of the next United States Supreme Court Justice will be the most legally significant opportunity for the president to shape policy. The balance and fate of our Republic likely lies in the appointment of our next United States Supreme Court Justice.An excellent article on this point was published in Imprimis titled “The Next Supreme Court Justice” by Attorney General Scott Pruitt. Before the Court, during the next few years will be issues involving freedom of speech (Friedrichs v. California Teachers Association); the protection of religious liberty (Trinity Lutheran Church of Columbia v. Pauley); freedom of religious conscious (cases similar to Hobby Lobby and Little Sisters of the Poor); the Second Amendment, voting laws, scope of permissible executive orders; scope of federal agencies to usurp legislative authority; authority of the President agencies to mandate accommodations for transgender people; immigration; and legalized marijuana.

To Be Clear

To be absolutely clear, I find Colin Kaepernick’s conduct to be in violation of the law, counterproductive, divisive, and insulting to the men and women who have served our Country and to those citizens who pledge allegiance to the United States and the principles upon which it was founded. 

As a final thought, no one living individual will save our country, no political party will, nor will an opinion by the Supreme Court. Rather, our salvation is through the blood of Jesus Christ. The best influence that we can have on our fellow Americans is though winning their soul to Christ, one soul at a time, followed by genuine bible study, meaningful prayer and Godly living. 

If you have any more questions about our Godly American Heritage and my love for our country, I will be glad to share those with you.  Please call.  

Independence Day

John Adams proclaimed Independence Day “ought to be commemorated as the day of deliverance by solemn acts of devotion to God Almighty. It ought to be solemnized with pomp and parade, with shows, games, sports, guns, bells, bonfires, and illuminations from one end of this continent to the other, from this time forward forevermore.”

Be assured that God will continue to Bless America if we only heed Paul’s instruction in II Corinthians 7:14: “If my people, which are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land.”

**The Declaration of Independence: A Transcription**

IN CONGRESS, July 4, 1776.

“The unanimous Declaration of the thirteen united States of America,

When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature’s God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.–That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, –That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.–Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.

He has refused his Assent to Laws, the most wholesome and necessary for the public good.
He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.
He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.
He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures.
He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.
He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.
He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.
He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers.
He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.
He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance.
He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.
He has affected to render the Military independent of and superior to the Civil power.
He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:
For Quartering large bodies of armed troops among us:
For protecting them, by a mock Trial, from punishment for any Murders which they should commit on the Inhabitants of these States:
For cutting off our Trade with all parts of the world:
For imposing Taxes on us without our Consent:
For depriving us in many cases, of the benefits of Trial by Jury:
For transporting us beyond Seas to be tried for pretended offences
For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:
For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Governments:
For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.
He has abdicated Government here, by declaring us out of his Protection and waging War against us.
He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people.
He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.
He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.
He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.

In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.

Nor have We been wanting in attentions to our Brittish brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.

We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.”

Have Peace of Mind with a Living Will

Making end-of-life medical decisions for a dying loved one can be some of the most difficult choices that a person will make, and can be even more challenging when his or her loved one’s wishes are not known. Often we are torn between a desire to keep our spouse, parent, family member, or friend with us as long as possible, and the consideration of the quality of his or her remaining time. However, you can ease the burden of end-of-life medical questions and concerns by creating a living will that clearly expresses your wishes to your loved ones and medical professionals in the event that you are unable to make your own decisions about medical care and death.

What is a Living Will?

A living will, or advanced directive, is a legal document that communicates to medical professionals your wishes regarding end-of-life medical care, such as cardiopulmonary resuscitation (CPR), artificial nutrition (feeding tubes), ventilation, and other medical interventions if you are unable to communicate your preferences yourself. A patient’s preferences will override the living will as long as he or she can communicate, and a living will may be revoked by the patient at any time.

How is a Durable Power of Attorney Related to a Living Will?

Living wills often work in conjunction with a durable power of attorney (DPOA) specified for healthcare. A DPOA for healthcare is a legal document that designates an individual with the authority to make decisions on your behalf about medical treatment if you are unable to do so. The person that you select will be known as the “agent” or “healthcare proxy.”

Does a Living Will Have Any Influence After Death?

Unlike a “last will and testament” that takes effect upon a person’s death and communicates how a property is to be divided amongst individuals and organizations (beneficiaries), a living will is limited to medical decisions, and is terminated upon death excluding decisions about organ donation and autopsy. A living will has no influence on a “last will and testament” and has no effect on the division of an estate.

How Do I Obtain a Living Will?

While some people choose to draft their living will using available software, most prefer the expertise of an attorney due to requirements unique to each state, and peace of mind. The attorneys at Finklea Law Firm have professional experience in probate and estate planning, and can assist you in ensuring that your wishes regarding your health care and estate are honored.

With an established living will, rest easy knowing that your loved ones will not struggle with the burden of end-of-life medical decisions about your care should you ever be unable to do so.

Helpful Tips for SC Flood Victims

We have gathered from several sources helpful information to aid those seeking assistance from insurance companies, contractors and the government due to the historical flood in South Carolina.  Below is some of the information collected for your benefit. 

Please feel free to contact us if you have any questions regarding the legalities and process of insurance claims or contractor responsibilities. 

Courtesy of www.ColumbiaBuilders.com: 

There are thousands of legitimate, ethical contractors in business around the country. Unfortunately, there are also scam artists looking to cheat you out of your money who pose as legitimate contractors. These “fly-by-night” operators often show up in communities impacted by natural disasters to try to scam distressed home owners into paying for shoddy repairs or work that they will never show up to perform.

Here are some warning signs to look out for:

  • Doesn’t have license and insurance. All professional contractors should be insured and able to show their certificate proving such insurance. Although all states do not require licensing, contractors in states requiring licenses should have it and be able to provide a copy.
  • Asks you to sign anything before you’ve hired them. If they want you to sign an “estimate” or “authorization” before you’ve made the decision to hire the contractor, look out. They may be trying to get you to sign what is an actual binding contract.
  • Doesn’t write contracts. Professionals have clear contracts that outline the job, process, the cost, and helps clarify how problems will be managed. If you don’t have a contract, you are not protected when something goes wrong. Don’t hire anyone who tells you a contract “won’t be necessary.”
  • Requires cash or payment in full before starting the job. Shady contractors demand cash and then run with the money. Many home owners have been stranded by paying in full up front. A deposit towards materials is common, but only pay it once you have a contract signed by both you and the contractor. It’s also suspect you’re asked to pay cash to a salesperson instead of a check or money order to a company.
  • Vastly underbids all other contractors. They may have the best price, but that doesn’t guarantee the best work. Such contractors may cut costs on quality, which can end up costing you more when you have to have the substandard work redone.
  • Offers “special” pricing. If you’re told you’ve been “chosen” as a demonstration project at a special, low price, or you’re told a low price is good only if you sign a contract today.
  • Cannot provide customer references. Professional contractors should have current references they can provide from current and past clients — and you should be able to reach those references, not just an answering machine.
  • Difficulty contacting the contractor. Professionals have a physical office, mailing address, phone, and email. They should respond to your queries in a timely manner. Make sure you can verify the contractor’s business address. If they only have a p.o. box, be wary.
  • Tells you to obtain the building or remodeling permits. Professional contractors go to the county or state offices and get permits for their work themselves. Asking the home owner to do it is a sign that they are not a legitimate contractor.

Your best bet is to take your time, do your research and choose someone you feel completely comfortable with. South Carolina  requires contractors to be licensed, https://verify.llronline.com/LicLookup/Resbu/Resbu.aspx?div=46 . Make sure they don’t have a record of consumer complaints lodged with your local Better Business Bureau. You can also contact the Building Industry Association of Central South Carolina for a list of reputable contractors in your area www.columbiabuilders.com.

When Disaster Strikes…

Unfortunately, flooding in South Carolina has caused extensive damage to individual homes, neighborhoods and entire communities. If they involve you and your family, it’s important for you not to make sudden decisions related to extensive repairs if you haven’t done your homework. The information below has been developed to help you get through the situation from start to finish in a well thought-out way.

#1 – Stay Calm. Once the rains end, it’s important for you to be strong and lead your family through this difficult time. Seek out help and support from friends and neighbors as soon as possible. Don’t make rash decisions under pressure.

#2 – Contact Your Insurance Agent BEFORE You Hire any Contractors. Most agencies have a claims center that can be contacted by phone 24/7/365. Seek out their help for next steps – especially if professional help is needed for clean-up and repairs. NEVER sign a contract for work from a company that approached you after the incident without checking references. Also, be sure you’re dealing with a local, licensed, reputable business with the proper insurance versus the first person who approaches you and offers to help. Be very careful about paying any up-front deposits until you’re 100% sure the decision to move forward with the selected contractor is the right one. The Building Industry Association of Central South Carolina (www.columbiabuilders.com) maintains a searchable list of all members with some listed in specific categories related to storm/fire damage and repair.

#3 – Secure Your Property & Recover/Remove Valuables. Even in these dark times, looters can make things worse. If necessary, consider renting a storage unit nearby or have a mobile storage unit brought to your site that you can load. If the damage is too great or the area is too dangerous, seek the help of select professionals through recommendations from your insurance agent, family members, friends, etc. Never work with anyone that tries to pressure you or wants to be paid a big percentage up-front.

#4 – Prevent Further Damage. It’s very important for you not to ignore structures that are repairable. Make a detailed sweep of your home/property to make sure you can prevent additional damage from exposure to the elements. Consult with your insurance agent to see if they have specific recommendations or procedures. Tarps, ropes, plywood and other items you may need can be purchased quickly at most discount and hardware stores. Again, it’s very important to be safe and consider professional help if it’s needed at this time.

#5 – Make Informed Decisions Related to Repair Contracts & Costs. Always be cautious when you’re vulnerable and upset. Don’t let the clock or someone outside your circle of family and friends compromise your financial future. Talk to recommended contractors and make sure they understand how to work with your insurance company related to timelines, payments, etc. Also, don’t be surprised if your basic homeowners insurance isn’t enough to cover the actual costs for certain major repairs. If you find yourself unable to make your home identical to what it looked like before the damage, set a dollar amount to spend on quality repairs that make sense for your financial situation. Doing so may require some tough design and style decisions. However, don’t just choose the contractor with the lowest price based on price alone. Be comfortable with the entire scenario being proposed by each contractor you plan to hire.

#6 – Begin the Repairs. By now, many crazy things have probably happened. For major repairs, it’s possible that weeks or even months have gone by. Continue to be strong and work with reputable people. When you’re working with hired contractors, you can do your part to keep the work flowing by making selections in a timely manner for things like windows, doors, shingles, siding, cabinets, plumbing/lighting fixtures, flooring, etc. For more information on the building or remodeling process, go to the consumer tab on the BIA’s website.

Create a Disaster Home Inventory! Talk with your insurance agent to see if they can help you in the aftermath of this disaster. You can also search for BIA members offering consulting services related to your home’s equipment as well as ways to inventory your personal belongings. Simply follow this link http://www.columbiabuilders.com/splash-home-owners.html to choose one of more the consultants in the drop down menu.