Those who fail to do proper planning for their estate in terms of leaving a last will and testament and clear instructions regarding how their financial assets and other property should be distributed will have their estates handled instead by the courts. Those who die without a will or “intestate” wind up forfeiting about 80 percent of everything they owned to the state government, so it is important to have a will and keep it up to date. But in this day and age of

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Financial Tips for Death Planning: Leave those passwords behind

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