Last updated: 7/2009

eace of Mind!"

From: Steve M. Bingman, Attorney At Law

Dear Friend,

We've all heard: "you need a Last Will And Testament so that you can say who will receive your property when you die". The truth is that you can make your Last Will And Testament and have your say, but state laws may prevent you from giving some of your property to whomever you want to give it to. Few people know that state laws may override part their of Last Will And Testament. In fact, because its almost never mentioned, most people do not know enough to even ask about how state laws affect their Last Will And Testament. And, usually, they're surprised when they find out.

"The problem: Part of your Last Will And Testament may not be effective because of state laws."
Your Last Will And Testament, often called a Last Will, is important. It is the only way for you to make known your final desires and wishes. But every state has a number of different laws that override your Last Will And Testament. In other words, state laws may stop your desires and wishes from happening.

Here are two real cases where state law overrode and changed what the person wanted:

Real Case # 1
"Ms. X doesn't get the money"

Ms. X came to see me. Her Mother had passed away and her Last Will And Testament said that she wanted her money was to be divided equally among her children. South Carolina has a law that gives money in a joint bank account (two or more people) to the survivor regardless of what the deceased person's Last Will And Testament says. Unfortunately, Ms. X's Mother had all of her money in a joint bank account with Ms. X's Sister. The money was put in to the joint account by Ms. X's Mother and the joint account was only so that the Sister could help the Mother. Sadly, I had to inform Ms. X that her Sister got all of the money and Ms. X got nothing.
Real Case # 2
"Kids get only part, not all, of family home"

My Dad's Last Will And Testament said that he gave his home to my two Sisters and me. However, the laws of his state say that when a married person recevies real estate, the real estate goes to both the Husband and Wife jointly. Because of the law, my Dad'd home actually went to my Sisters, their Husbands, my Wife, and me. My Sisters and I received a 1/6 interest each and not the 1/3 interest each that my Dad wanted. It was not a problem because we all get along very well. But, what if we didn't get along?

The fact is that every state has a number of different laws that override your Last Will. The above are just two examples. Also, these two cases stated above are not isolated and unique to my state of South Carolina. In fact, my Dad lived in another state. Before you make your Last Will And Testament, it is critically important that you know and understand that state laws may override or change certain parts of your Last Will And Testament.
Please understand that the purpose of state laws is to provide an orderly process of distributing the property of a deceased person, not to cheat you or to take away your property. The problem is that state laws are like trying to have a "one size fits all" shoe. For some people, the shoe is OK. But, for others, it is all wrong because the shoe might be too tight or too loose. State laws may be what you need and want, but they also may not be.
The Solution: Find out how state laws may override your Last Will And Testament.

"The Truth About Wills and Probate" is an instant ebook that was written to explain what laws to look out for and to explain what you can and cannot change. Abraham Lincoln once said: "Lord, give me the courage to change that which I can change, the tranquility to accept that which I cannot change, and the wisdom to know the difference between the two". "The Truth About Wills and Probate" gives you the knowledge and wisdom to know what you can and cannot change. It gives you the peace of mind and confidence that comes from knowing who will receive your property and who will have custody of your minor children when you die.

Ebook
Just in case you are not familiar with ebooks, please let me explain. Ebooks are standard books except that they are electronically delivered quickly direct to your computer. You can then either read them on your computer or you can print them and read them later. It does not matter whether you use Windows, MAC, or another kind of computer. The .pdf file format works on all computers. And you do not need to worry about a virus since it is not an executable file. With ebooks, you can easily be reading the book in minutes. I'll give you more details below.

How does The Truth About Wills and Probate help you?
You are going to:
Learn what items are not given by your Last Will And Testament regardless of what your Last Will says.
Discover what "Tenancy by the Entirety" means and how it effects your Last Will And Testament.
Understand what "Elective Share" means and how it effects your Last Will.
Find out who gets certain property by state law regardless of what your Last Will And Testament says.
Learn the truth about Last Will And Testament and probate myths.
Make a valid and legally binding Last Will And Testament because you will know what parts are required and what actions are required.
Make a good Last Will And Testament because you will know what parts should be in every good Last Will even though these parts are not legally required (but they are common sense).
Avoid problems for your loved ones.
Learn how to provide for the care, education, and maintenance of your minor children should you die.
Be given guidence on whether or not a standard simple Last Will And Testament will work for you.
Learn the two key times that you need to make a new Last Will And Testament.
Find out what to do with your Last Will And Testament after you sign it.
Once you know and understand how Last Will And Testaments and state laws interact, you can intelligently make your Last Will And Testament and take certain actions to make sure that your property goes to your loved ones you want to have it.
Why does it matter?
The very reason you are going to make a Last Will And Testament is because you want to know who will receive your property and who will have custody of your minor children when you die. Unless you know and understand how state laws may override your Last Will, you will never truly know what happens to your property and minor children when you die.
Information to help you, but not legal advice.
Please understand that I am not giving you any legal advice whatsoever. I can't. Valid legal advice is based on specific facts in a given situation. And, of course, I do not know your situation. However, I can give you general legal information. If you have any questions of any nature, you need to talk with a lawyer licensed in your state.
I tell you what others won't or can't tell you.
You may be asking, "If it is so important to know how state laws may override my Last Will, why are others not telling me about how state laws affect Last Will And Testaments and estates?" To be honest, I cannot give you an answer. I believe that when you talk with a lawyer, he or she will tell you the same information as I give you in "The Truth About Wills and Probate". However, I believe that most Last Will And Testament "Kits" and Last Will And Testament "Programs" are put together by non-lawyers and then reviewed by "top notch", unnamed lawyers. These lawyers look at the legality of the Last Will And Testament and nothing else. So vital information is never discussed.
Easy to understand.
Don't worry. "The Truth About Wills and Probate" is not written in legal-eze. It is not a long legal dissertation on estate law written for lawyers. Instead, it is written in plain simple English for non-lawyers. It is fairly short, but contains important information that you should know before you make your Last Will And Testament.

Here is the actual Table of Contents of "The Truth About Wills and Probate":
Myths About Wills, Estates, and Probate
Property That Passes According to State Laws
Why Some Last Will And Testaments or Parts of Last Will And Testaments Are Invalid
Provisions That Should Be In Every Last Will And Testament
How To Take Care of Your Minor Children With Your Last Will And Testament
What Happens If You Do Not Have A Last Will And Testament
Steps and Tips In Making Your Last Will And Testament (Is a standard simple Last Will And Testament right for you?)
What To Do After You Sign Your Last Will And Testament
When You Need To Make A New Last Will And Testament
How To Probate An Estate
Frequently Asked Questions
Word Definitions

"Great Value!"
That's a lot of information, isn't it? Imagine what a lawyer (like me) would charge you for this information if you sat down with the lawyer one on one. By writing "The Truth About Wills and Probate", I can share the information with many more people than I ever could with one-on-one meetings. And I can charge significantly less. Not $250.00, not even $125.00. My Lawyer friends tell me to charge between $50.00 and $75.00. And, I may charge that in the future. But right now, I am testing the internet and I am willing to let you have a copy of "The Truth About Wills and Probate" for the incredibly low price of $17.67.
Click Here Now to get your copy of "The Truth About Wills and Probate"
Make no mistake, your investment is worth more than $17.67. Imagine, you have the confidence, peace of mind, and comfort that comes with truly knowing what will happen to your property and your minor children when you die. Because I believe that if you own property or have minor children, you should have a Last Will And Testament, I am throwing in several bonuses, including simple Last Will And Testament forms.

Bonus #1
"Quickly And Easily Make Your Own Last Will And Testament"

Get the added bonus of a specific Last Will And Testament form for several different situations. Keep all of the forms and, as your situation changes, use the specific Last Will And Testament form which applies to your new situation.

Bonus #1: Standard Last Will And Testament Form
for 8 Different Situations
Along with "The Truth About Wills and Probate" you get 8 simple, easy to use, standard Last Will And Testament forms designed for different situations.
Last Will And Testament form for:
Married with adult Children
Married with minor Children (includes a children's trust until your child is 18 years old)
Married with minor Children (includes a children's trust until your child is 21 years old)
Married with no Children
Single with adult Children
Single with minor Children (includes a children's trust until your child is 18 years old)
Single with minor Children (includes a children's trust until your child is 21 years old)
Single with no Children
Of course, step by step instructions and tips on making your Last Will And Testament are also included.

There Are Only Two Types Of Last Will And Testament Forms On The Internet
Unless you have a real time question and answer interview with a lawyer, any Last Will And Testament that you obtain on the internet is going to be a Last Will And Testament form. The only question is which type of Last Will And Testament form will you use? There are two types.
The first type is a "fill in the blank" Last Will And Testament form or template. These are very easy to use. You simply fill in the blanks.

You benefit with "fill in the blank" Last Will And Testament forms and we provide them because:
You save money. The Last Will And Testament forms are reusable so you do not need to purchase a second Last Will And Testament form for your Spouse. And you do not need to purchase a new Last Will And Testament form if you want to make a change in your Last Will And Testament. Simply print out the Last Will And Testament form again and complete it.
You save more money. The Last Will And Testament forms are multiple forms. Each form is for a different personal situation. So you do not need to purchase a new Last Will And Testament as your situation changes. Simply print out the appropriate Last Will And Testament form and fill it in.
You can quickly make your Last Will. The sooner you can go on vacation without worry. The sooner you can go to the hopsital for treatment without worry. The sooner you can have peace of mind.
You can make your own Last Will in the privacy of your home.
You do not need any special skill to operate a Last Will And Testament software program.
You do not need a specific type of computer operating system (ex. Windows vs. Mac).
You can see the whole picture because you have the complete Last Will And Testament form in front of you.

The second type of Last Will And Testament form is "respond and merge" where you answer questions and your responses are merged into a Last Will And Testament form. The completed form is then either made available on the web or e-mailed to you.

A Word of Caution!
With the "respond and merge" type of Last Will And Testament form, don't be fooled when some web site owners call these "custom" Last Will And Testaments. You cannot get a truly customized Last Will And Testament for your situation without giving very specific information and you cannot give that information by answering standard questions. Also, unlike our Last Will And Testament forms, if your Spouse wants a Last Will And Testament or you want to change your Last Will And Testament, you must repeat the process and pay again.

Bonus #2
"You Get An Asset Summary Form So That You Save Your Heirs A Lot Of Time And Trouble"

Quite frankly, one of the most difficult things to do is to find out what are the assets (property) and liabilities (debts and bills) of a deceased person. I have spent hours sifting through mail and pieces of paper looking for hints of what a deceased person owned or owed. And then we have to follow-up on each clue to find out if the deceased person had this insurance policy, owned this bank account, or owed a certain bill. You will save your heirs all of this trouble by filling out the Asset Summary Form. If you have ever been involved in an estate, you know how valuable is the information contained in your Asset Summary Form.

Bonus #3
"You Get A 'Living Will' Form So That You Can Tell Doctors And Medical Providers What Your Wishes Are If You Become Incapacitated"

Have you ever thought that you wouldn't want you life prolonged by machines? Have you thought that, if you became incapacitated, you would want food and water, but that you would not want machines prolonging your life? As with a Last Will And Testament, the only way you can have your say is to make a "Living Will" saying what you want. After you become incapacitated, it is too late.
The "Living Will" Form is also known as a "Desire For A Natural Death" Form. The Form that we provide is easy to use. Simply initial the type of treatment you want to receive, fill in the blanks, and sign it.

Bonus #4
"You Get A 'Medical Power Of Attorney' Form So That You Can Appoint Someone You Trust To Make Medical Decisions For You If You Become Incompetent."

Is there someone special that you trust to make medical decisions for you if you become incompetent? If yes, then you need to make a "Medical Power Of Attorney" appointing that someone special. If you wait and become incompetent, then it is too late to appoint someone. And your state's laws will say who make medical decisions for you. As with the other forms that we provide, the Medical Power Of Attorney form is a simple and easy "fill in the blanks" type of form.

"An Amazing Value!"
This is an amazing value. If you have looked at the web, you know that many sites are offering a single Last Will And Testament for $20.00. For you and your Spouse, the bill is $40.00. Some are even charging $40.00 for just one Last Will And Testament. None that I know of give you both the information and forms that you need in order to make an intelligent Last Will And Testament.

Think about it. Right now, for LESS, yes less, than the single Last Will And Testament other sites want to sell you, you get from us:
"The Truth About Wills and Probate"
Step by step instructions and tips on making your Last Will And Testament
Last Will And Testament form for:
Married with adult Children
Married with minor Children (includes a children's trust until your child is 18 years old)
Married with minor Children (includes a children's trust until your child is 21 years old)
Married with no Children
Single with adult Children
Single with minor Children (includes a children's trust until your child is 18 years old)
Single with minor Children (includes a children's trust until your child is 21 years old)
Single with no Children
Asset Summary Form
"Living Will" Form
Medical Power Of Attorney Form
All for just $17.67.

Click Here To Order Right Now!
"Fast Delivery At Any Time"
(Even if it's 3:00 a.m. in the middle of the night)
Within minutes, you can have the peace of mind and comfort of knowing what will happen to your property and your children and who will handle your affairs upon your death. You can know what laws effect your Last Will And Testament and what actions you can take to plan your estate. You can intelligently make your Last Will.

How It Works

We electronically deliver it all to your computer. You do not have to wait. You do not have to install a program and then learn how to operate the program. We use a simple pdf file format to make it easy for you to receive and use the information. Here is how it works:

Click on Order and you will be taken to the Secure Order Form of ClickBank.com. You can use a credit card or an online check. ClickBank will process your order in real time. Please note that a charge for $17.67 will appear on your bank statement under the name "CLICKBANK".
After your order is processed, you will automatically be taken to the download site. To save the book and forms to your hard drive simply click on the right mouse button over the above link. And then click on either "Save Link As" in Netscape or "Save Target As" in Explorer. A download screen will come up asking you where you want to save the file to on your computer. Find the folder you'd like to save the files in and then click on "Save." When you have finished downloading the book and forms just go to the folder you downloaded the file to and double click to read and open.
Using The Free Acrobat Reader (or the full version of Acrobat) version 3 or higher, you can read or print all or part of The Truth About Wills and Probate, the Last Will And Testament forms, the Personal Property Bequest form, and the Asset Summary Sheet. If you do not have The Free Acrobat Reader, you can download a free copy at http://www.adobe.com/products/a crobat/readstep.html
It is that quick and that simple.

"Your No Risk Guarantee"
If you are not satisfied with "The Truth About Wills and Probate" and the bonuses for any reason whatsoever, simply email me within 90 days and we'll give you a 100% refund. You do not need to tell us why you are not satisfied, though that will help us provide better service to others. You may keep "The Truth About Wills and Probate" and the bonuses. I still believe that most people are honest and fair and will not use our information and forms without paying us. Is that fair enough?

Don't Put This Off A Moment Longer. Act Now! Have peace of mind and comfort.
Click Here Now To Get Your Copy Of:
"The Truth About Wills and Probate" with

Bonus # 1 - Eight (8) Last Will And Testament Forms With Personal Property Bequest Form And Step By Step Instructions

Bonus # 2 - Asset Summary Form

Bonus # 3 - "Living Will" Form and

Bonus # 4 - Medical Power Of Attorney Form
Yours truly,
Steve M. Bingman
PS. I urge you to take action now. You have heard that we are not promised tomorrow. The truth is that we are not promised the next hour, not even the next moment. Act now. Get the information. Plan your estate. Make your Last Will And Testament.
PPS. Please understand that the price for the ebook and bonuses may increase. The current price is guaranteed only for as long as the current price is shown on this web site.
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