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For Adults

For Teens

Are you a teen who would like to get more organized and have a better understanding of money and how to use it so you can be in charge of your own life? Then this is the place for you. Find mentors to help you develop your passion filled career. Get information to make your transition to college a little bit more easier. To get started go here.

For Kids

Set your wee ones up for a life less complicated. Give them the gift of knowledge you wish you had when you were their age. Did you know that if an 8 year old saved just 10% of every dollar they ever earned, were given, or picked up off a sidewalk they could retire by age 45 on compound interest alone? Well, it's true! One can not survive on savings alone however because inflation is quick to follow. Get them started on the right track here.

You Should Know- There Are 7 Major Types of Identity Theft

When people hear the words 'identity theft' they usually think of credit reports and bank accounts, and those famous and funny credit card commercials.Financial identity theft is not the only way your identity can be stolen. 

1.Financial Identity Theft- the type everyone thinks about when they hear the words Identity Theft.

2.Medical Identity Theft- This type of identity theft can kill you! Someone may have used your identity to receive medical treatment. If you are rushed to the emergency room unconscious how could you possibly tell them your correct blood type? Our services help catch issues like this before it becomes life threatening.

3.Criminal Identity Theft- When a criminal uses your name and information when they are booked and released for a crime, that YOU did not commit.

4.Driver's License/ID Identity Theft- Easiest one to occur via lost or stolen purse or wallet. Your IDs are then sold to people who look like you and can use your license to obtain social security cards etc. in your name. This also applies to work style IDs with fob entry to restricted areas.

5.Social Security Identity Theft- Easiest way for a criminal to not pay taxes.

6.Synthetic Identity Theft-This is the (latest thing) in the identity theft world. The thief will take parts of information from many victims and combine it to make a whole 'new' person.

7.Child Identity Theft- Kids are a great identity to steal as they do not start checking their credit reports until they start working around 16 years old or turn 18 and are a legal adult. The thief in these cases is almost always a family member or close friend. The thief hopes that the relationship established with the child's parents will prevent charges being filed against them.

Identity Theft:

Each year it happens to countless victims who innocently give their credit cards to servers in restaurants.

Even if you are cautious when making an ATM transaction, identity thieves can be watching you type in your PIN or rig a bank machine to copy your bank card.

Shredding may not be enough to keep dumpster divers from finding copies of your checks, credit card statements and other personal paperwork that leads to identity theft.

It's not just on-line purchases that are vulnerable to identity theft. In fact, online transactions are a small majority of identity fraud cases.

You should know that identity theft happens every day to people from all walks of life. What can you do to combat this crime? The Identity Theft ShieldSM provides a suite of services designed with detection and RESTORATION in mind. Our competitors focus on detection, like what your credit card company may offer, we want to restore your name to where it was before the issue occurred!


Marketed by: Legal Shield, Inc. - With more than 30 years of providing legal rights protection to over 1.5 million families, Legal Shield is a pioneer of the prepaid legal concept in North America.

Services provided by: Kroll Inc. - The world's leading risk consulting company.

Estate- n. Everything that you own at your passing after payment of debts and taxes. You will make decisions regarding the percentage share of your estate that you wish to give to your beneficiaries. And if you wish, you may leave specific items of property (car, investments, heirlooms, etc.) or sums of money to your beneficiaries.

Executor- n. (also Personal Representative) The person appointed in a Will by the testator (person making the Will) to carry out the terms of the Will.

Fiduciary Bond- n. A type of surety bond required by the court to be filed by executors, guardians, etc., to ensure proper performance of their duties as an executor. Typically waived, especially wen a spouse or family member is appointed executor. 

Guardian- n. A person lawfully invested with the power, and charged with the duty, of taking care of the person who is incapable of doing so because of age or other incapacity. Certain states do not allow anyone other than a biological parent to be appointed as guardian of minor children in the event of one parent's death. Please call your Provider Law Firm for instructions for your state.Note: Louisiana residents: Although the provision in a Will providing for a guardian of minor children is not binding in your state, it is highly persuasive in a proceeding for the appointment of a guardian and should be included in the Will of any person with minor children.

Health Care Power Attorney- n. A legal document appointing a person the authority to make health care decisions on another person's behalf.

Joint Tenants with Right of Survivorship- n. A single property owned by two or more persons, under one title, with equal rights to the property. At the death of one joint tenant, the property transfers to the surviving tenant. 

Living Will- n. see Physician's Directive

Peace of Mind- n. The wonderful feeling you get as a Legal Shield member, after having your Will prepared by a qualified law firm at a resonable price. 

Personal Representative- n. see Executor

Physician's Directive- n. ( also Living Will) A legal document containing instructions for physicians regarding your life-support preferences.

Probate- n. The judicial determination of the validity of a Will.

Trustee- n. A person appointed to manage the financial affairs of the one who is legally incapable of doing so because of age or incapacity. 

Will- n. A document which provides who is to receive your property, who will administer your estate, who will serve as guardian of your children, if applicable, and other provisions.

To find out about free will preparation go here. 

Will preparation is provided at no additional cost when a legal plan is purchased. To get a legal plan please go to the page here.

Filling Out Your Will Questionnaire

If you don't have a Will, you're not alone. Most of us are reluctant to talk about death, but preparing your Will could be the most important legal decision of your life. It empowers you to clarify your intentions, protect your family, and make your own decisions about how your estate will be handled.

Think it's complicated? It's really not. Just answer the spaces on the questionnaire that was sent to you in your welcome packet. (If you were directed to this page because you will be attending a Will preparation seminar then a packet will be provided to you at the event.) Then follow the simple instructions included in the packet outlining how to finalize your Will preparation.

What You'll Need To Fill Out Your Questionnaire

• Copy of your Prenuptial Agreement (if applicable)
• Names and birth dates of your children and grandchildren (if applicable)
• The name and contact information of the person you've chosen to be guardian of your child(ren), the trustee(s) of their estate, and your personal representative/executor
• To best serve you in completing your Will for estate tax purposes, you'll be asked to provide the approximate dollar amount of such  items as : your home, other real estate, bank accounts, vehicles, retirement plans, life insurance policies, and debts such as mortgages, loans, medical or others over $5,000.

Helpful Information Before You Get Started

• The Will Questionnaire is NOT your Will. It will help your Provider Law firm prepare your Will. All questions applicable to you MUST be completed in their entirety in order to have your Will prepared.
• If you need more space to answer a question, attach a separate, sheet and indicate the question number to which it pertains.
• If you have questions while filling out the form, don't hesitate to call your Provider Law Firm at the number on your membership card or ask the instructor during the seminar.

Things to Keep In Mind

• In order to meet each person's unique needs, you must fill out a Will Questionnaire for the person with the membership and a second Questionnaire for the spouse, partner, or significant other.
• A great deal of personal information is requested in your Will Questionnaire. Without all of the information requested, your Provider Law Firm can't ensure your wishes will occur or that the most comprehensive estate planning options have been advised. All information you provide them will remain strictly confidential.
• If you own property jointly with another person as "joint tenants with right of survivorship," your interest in the property will pass to the survivor upon your death. It will not pass according to the terms of your Will. If you own property jointly with another person without right of survivorship, your interest in that property will pass according to the provisions in the Will. Note: Idaho and Louisiana residents, contact your Provider Law Firm for information particular to your state.
• You should know that decisions you have already made regarding title to property will determine distribution of that property in the future. Will provisions cannot alter those decisions. A beneficiary designation is a binding contractual obligation and a Will provision will not alter that designation. Beneficiary designations in life insurance policies, retirement plans, annuities, bank accounts with a named "Due on death" (DOD) beneficiary, etc., will determine who recieves those moneys upon your death, not your Will.
• If you have a named beneficiary real/immovable property which is mortgaged, that property will generally pass under your Will to the beneficiary subject to the debt secured by the mortgage. If you wish to leave the property free and clear of the mortgage debt, you must include a provision in  your Will directing the debt to be paid from the other assets of your estate, provided sufficient assets are available. Note: Louisiana residents, contact your Provider Law Firm for information particular to your state.
• Funeral Arrangements- Rather than including your funeral wishes in your Will, which often isn't read until after your funeral, it's best to make your wishes known to loved ones in writing prior to your death.
• Federal States Taxes- If you have a taxable estate with a market value in excess of:                               - $3,500,000 (as of 2009) at the time of your death, your estate may be subject to estate tax at your death or later at the death of your spouse. Your taxable estate may include all life insurance on your life  and all joint tenancy property. Tax laws are constantly changing. If your taxable estate is larger than $1,000,000 you should consult with your Provider Law Firm regarding advanced tax planning tools available at a discounted rate.
• State Inheritance Taxes- Your estate could be subject to state inheritance tax even if it isn't subject to federal taxation. Please ask your Provider Law Firm for further clarification.
• Probate- Many people think that if your loved one had a Will prepared, they will be able to avoid the probate process. This is not necessarily the case. Please ask your Provider Law Firm for details about your state.

Dear Legal Shield, 
I'm writing to thank you for your firm's excellent preparation of my Last Will and Testament. [My lawyer] has been very professional, knowledgeable, and responsive to my calls and questions. Due to this excellent service, I am pleased to continue using Legal Shield and to recommend it to friends, family, and business associates.
Sincerely,

Florida Member

 To start the process of getting your very own legal plan go to the page.

• Below you will see some of the many reasons our members are glad they have a legal plan.
• You don't have an up-to-date will
• You don't have a Living will or Medical Power of Attorney
• You don't understand the difference between a trust and a will
• You operate your own small business
• Family members challenge your parent's will
• You don't understand your health insurance or Medicare Prescription Act
• The IRS selects you for an audit
• Your parents die and leave you the executor of their estate
• You are tired of hidden fees at your bank
• You are tired of hidden cell phone fees
• You have a retirement savings plan
• You change jobs
• You are fired
• You are buying or selling your home
• You receive a speeding ticket
• Your driver's license is suspended
• You are subpoenaed
• You are called to jury duty
• Your long drive off the tee injures another player
• You need a lease agreement reviewed
• Your son is injured in a football game
• A neighbor trips over a rake in your yard
• A jeweler sells you defective merchandise
• A car dealership gains illegal access to your credit history
• You are hit by a ball at a baseball game
• A tenant falls down stairs and sues you
• Your dog is poisoned
• You need help with credit card liability resolution
• You are injured when you slip on a wet floor in a public building
• Your livestock trample a neighbors garden
• Your neighbor's dog barks for all hours every night
• Your teenager gets a speeding ticket
• Your landlord enters your apartment without permission
• Your child throws a baseball through a neighbors car window
• Your boat is damaged while in storage
• Your landlord refuses to refund your cleaning deposit
• You lose an expensive watch in a hotel and the manager denies liability
• A speeding car nicks your car bumper because you have parked in the street
• A merchant refuses to honor a guarantee
• You have an accident driving your friends boat
• A speeding car nicks your bumper because your car was parked in the street
• A merchant refuses to honor a guarantee
• You have an accident driving your friends boat
• Your spouse claims a right to your earnings
• A music or book club sends merchandise after you cancel your membership
• You are refused service at a restaurant
• A property manager refuses to rent to you
• You are denied credit for no apparent reason
• You receive a speeding ticket
• You are denied credit for no apparent reason
• The auto repair shop threatens small claims court for money you don't owe
• Your car insurance is canceled when your teen is involved in an accident
• Your child needs special education in public school
• A stranger calls demanding money or damaging information will be released
• A stranger calls demanding money or they'll release damaging information
• Your car is damaged by a hit-and-run driver
• You accidentally back over your neighbors garbage can
• A hairdresser damages your hair with harsh chemicals
• Your car is repossessed unjustly
• You made a sizable gift to charity
• Angry words result in a slander law suit
• You need a patent for an invention
• You need a copyright for your manuscript
• You are wrongly accused of committing a crime
• Your rights to privacy have been invaded
• Your car is vandalized in a parking lot
• A postal carrier slips on your unshoveled walk and breaks his or her leg
• You have a housekeeper in your home
• You need assistance negotiating a severence package
• You are stopped for speeding and a friend was in possession of marijuana
• Your teenager wrecks the car and a friend is injured
• You care for your elderly parents
• You receive social security disability, or Medicaid
• You are cheated by a door-to-door salesman
• A repairman charges more than the given estimate
• A creditor tries illegal collection tactics
• An accident results in personal injury
• You are scheduled to appear in small claims court
• Your new house has bad plumbing and a leaky roof
• You take a vacation and your room with a view is a view of the dumpster
• A minor is caught breaking into your home
• You have a fender bender while driving a friends car
• You have liability questions in launching a new business
• A former employer refuses to pay you your final compensation
• A neighbor's dog bites your child
• You have a property line dispute over a new fence
• You are asked to testify as a witness to a robbery
• You need a premarital agreement
• You are buying or selling a car
• Your child's school demands a drug or alcohol test
• Your bank sends a foreclosure notice after one house payment is late
• A retail store won't accept the return of a defective item
• A repairman won't stand behind his work.
• A trespasser is caught poaching on your land
• You are leasing property
• You receive a letter from a creditor and it's not your debt
• A bank turns you into a credit bureau unjustly
• You need advice concerning a divorce
• Someone is caught breaking into your house
• You can't make heads or tails out of the new tax forms
• Your husband or wife uses physical force against you
• Your landlord raises rent in violation of your verbal agreement
• Your teenager is accused of shoplifting
• You decide to change your name
• Your new washing machine doesn't wash
• Creditors threaten to take action against you for your ex-spouse's debts
• A neighbor or school reports you for child abuse
• You adopt a child
• You need child support enforced
• A friend or neighbor is injured on your property
• Your dog bites an elderly passer-by
• A friend owes you money and files bankruptcy

To start the process of getting your very own legal plan go to the page.

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Over a dozen, unique, High Profit fundraising ideas for your next Non-for-Profit fundraiser. Our easy Non-for-Profit fundraising ideas are great fundraisers for Non-for-Profits of all sizes!

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