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    A Legacy Undone

    Couple Shares Ordeal of Protecting Elderly Parent from Financial Predator

    A Legacy Undone

    Married for more than 30 years, Terrie and Jon Hull were very close with Terrie's mother "Jean," spending every holiday and Sunday together. Their happiness went from good to bad to living a nightmare in the span of just a few weeks. First, Terrie’s elderly mother was in a car accident and suffered a severe traumatic brain injury, which severely impacted her short-term memory, leaving her frustrated and vulnerable. Terrie & Jon rose to the occasion and became her primary caregivers and nursed her through a difficult recovery.

    In the months that followed, "Billy," Jean's long-time boyfriend who had avoided meeting Terrie and Jon, took advantage of Jean's disability and confusion to convince her Terrie was stealing money. He persuaded a police officer with no evidence, as well as a judge -- who issued a restraining order without a shred of proof. Homecare workers also colluded with Billy, helping to make arrangements for a one day visit to Las Vega, where Billy and Jean were married.

    In the blink of an eye, their lives were turned into a never-ending rollercoaster ride as they are thrust into a 4-year legal battle to save Jean from the clutches of a financial predator and a justice system gone terribly wrong.

    Terrie & Jon Hull share their tragic story in the new book, A Legacy Undone ….An Extraordinary True Life Experience That Will Make You Rethink Protecting Your Family (Clovercroft Publishing; May 2015)

    Fortunately, Jean and her first husband had put their estate plans in place through a family Trust, which made it possible for Terrie to successfully fight for a conservatorship. But not before Billy closed all of Jeans' bank accounts, opened new joint accounts, cashed some bonds, and even took Jean's name off one of the accounts! Though still estranged from Jean, Terrie and Jon have made certain that Billy can't drain Jean's financial assets through the Trust -- nor will he inherit them -- assuring that Jean can live out her life financially comfortable.

    Throughout their account of their harrowing ordeal in A Legacy Undone, Terrie and Jon emphasize four steps every person should take to ensure their family knows their wishes and plans when one dies, or becomes mentally or physically incapacitated. These are:

    1. Organize emergency information: This includes more than just a list of doctors and phone numbers, but includes digital assets, bank accounts, storage rental, volunteer organizations, business associates, lawyers, financial advisors, PO Boxes, etc. This will save loved ones additional stress during an already stressful time, and can be critical for quick decision making.

    2. Wills and Trusts: Decide on a plan, and then see an estate attorney who can easily put these plans in to documents. Make sure everything is as clear as possible and easily understood so there are no questions about what was really meant.

    3. Designate a durable power of attorney: This allows the person designated to make legal decisions for an incapacitated individual. Provide as much detail as possible, including safe deposit boxes, passwords to online accounts – including Facebook! Without power of attorney, the courts or a third-party designated by the courts will make legal decisions.

    4. Prepare an advance medical directive. This will save family members from having to make end-of-life decisions, which can forever haunt people afterwards.

    Surprisingly, estimates of the number of American's without an estate plan range from 50 - 60+ percent of the population. Communication is key. Here are some of their most important recommendations:

    Don’t Wait - Open the Conversation Sooner Rather than Later

    “If your parent(s) are 50 and haven’t talked with you about putting their affairs in order, you need to start the conversation,” Terrie says. “Find out what they have done while they are still young and aware. Don’t wait till they have an injury, get sick, or you notice that they shouldn’t be driving any more. If you fail to put your affairs in order, there are lawyers who will be glad to take the assets you meant to go to your family.

    Take the Lead with Your Children - Tell Them Your Plans

    Your children look up to you and assume you have been smart with your money. Prove them right by putting your affairs in order. Then teach your adult children to put their affairs in order. This opens the door to productive conversations about other important discussion in life.

    Put Your Affairs in Order While You Can

    Estate laws in the United States give people the right to put their affairs in order. Not exercising that right means you may forfeit your family’s legal right to help you. It’s about putting the right information in the right place for the right people at the right time.

    Create a Solid Estate Plan

    This is the best way to make sure the loved one(s) who will have to carry out your wishes are not burdened when the time comes. It's one of the most loving things you can do.

    This is all About Life

    Putting your affairs in order is not about death. It's about making sure things get done your way. It is one of the most important financial and lifestyle decisions of your life. It's about writing the last chapter of your amazing legacy.

    Providing a clear call to action to anyone who has yet to “put their affairs in order,” A LEGACY UNDONE is one family’s story that demonstrates exactly why planning for the unexpected is essential. “If you haven’t created a legal plan of action for yourself and your family, it needs to be made a top priority,” says Terrie. “Our circumstance is extreme, but we want everyone to have the confidence and peace of mind that comes from being smart about their family and everything they have worked so hard for all their lives,” adds Jon.

    For more on A Legacy Undone, visit

    A Legacy Undone

    ….an extraordinary true life experience that will make you rethink protecting your family

    Terrie and Jon Hull

    $15.99 list price
    Trade Paperback
    Published by Clovercroft Publishing, an imprint of Christian Book Services
    ISBN: 978-1-940262-95-6

    Terrie and Jon have written the unforgettable story of their experiences so that others can understand what can happen to families when parents become incapacitated, predators strike, and what they can do to prevent things from going terribly wrong.


    The articles on this website are provided for information purposes only. does not accept any responsibility or liability for the use or misuse of the article content on this site or reliance by any person on the site's contents. Use at your own risk.

    No Implied Endorsement: does not endorse or recommend any article on this site or any product, service or information found within said articles. The views and opinions of the authors who have submitted articles to belong to them alone and do not necessarily reflect the views of

    November is National Family Caregivers Month


    Across the country 42 million people, primarily women, between the ages 40 – 60 are faced with the challenge of providing care to their older family members and friends each and every day. They may not know it, but they are caregivers, and they play an extraordinary role in supporting those we love.

    November is National Family Caregivers Month, and as part of the Ad Council’s Caregiver Assistance campaign with AARP, we have released a series of new Public Service Advertisements (PSAs) that explore the many roles caregivers take on and provide resources to help them cope with their daily responsibilities.

    New research from AARP suggests that caregiving can take a tremendous toll on the caregiver’s personal health and overall wellbeing. And yet, many caregivers do not self-identify as such and can be reluctant to ask for help. As part of our campaign, we’ve developed a number of online platforms to help recognize caregivers everywhere for the important work they do:

    The new website,, where you can share a message of thanks with a caregiver you know and post it publicly alongside other messages from people across the country to illustrate the number of caregivers nationwide.

    A hilarious new video from comedian Jeff Foxworthy who says, “You might be a caregiver if…”


    The articles on this website are provided for information purposes only. does not accept any responsibility or liability for the use or misuse of the article content on this site or reliance by any person on the site's contents. Use at your own risk.

    No Implied Endorsement: does not endorse or recommend any article on this site or any product, service or information found within said articles. The views and opinions of the authors who have submitted articles to belong to them alone and do not necessarily reflect the views of


    - New Nationwide Financial study shows African American small business owners more hopeful about 2012 and more likely to enhance employee benefits -

    Washington, DC – Nearly four years after the official end of the Great Recession, African-American older workers continue to confront a difficult job picture across the country.

    Federal unemployment statistics for January show that African-American workers between 45 and 74 had an unemployment rate of 9.9 percent, compared with 6.1 percent for whites of the same age. For African-American workers of all ages, the jobless rate for January was a whopping 13.8 percent, compared with an overall rate of 7.9 percent. New AARP research shows that a large number of older African-Americans are anxious about continuing weaknesses in the economy and small businesses in which they are involved.

    black seniors
    “For many years, older African-Americans have faced an extremely difficult job market,” said AARP Vice President for Multicultural Engagement Edna Kane-Williams in announcing the release of the research. “Others have confronted major problems as well, but the situation has been – and continues to be – especially acute for diverse communities.”

    An AARP fact sheet, released in conjunction with Black History Month, summarizes preliminary data from a “Multicultural Work and Career Study” that will be released later this year. The overall survey included those ages 45-74 who were either employed or actively looking for work; it was conducted last November and December.

    The strain among older African-Americans is apparent in the fact that a large number – 39 percent – said that it was either “very likely” or “somewhat likely” that they will either lose their job or have to give up working for themselves in the next year. Among those who said that they were likely to give up working for themselves, 15 percent said that “business is slow”, 12 percent cited the “weak economy” and 11 percent mentioned “my health”.

    Reflecting anxiety on a separate question was the response from 25 percent of all African-Americans in the sample that they anticipated that they may need to take a leave from their job to “care for an adult family member in the next five years.” Nineteen percent said that they had already taken a leave to care for an older relative in the last five years.

    AARP has a variety of programs and resources to support older workers. Most recently, AARP has begun offering a new way for experienced workers to advance themselves through Work Reimagined, a social network-based jobs program that connects employers seeking experienced workers with qualified professionals searching for new or more satisfying careers. The site ( leverages the platform of the social media site, LinkedIn.

    Work Reimagined offers job listings independent of LinkedIn, as well as articles, columns, tips and tools to help people navigate today’s workplace. AARP has also developed an alliance with the Small Business Administration (SBA) to offer resources and advice to encourage older entrepreneurs. Last October, AARP and SBA collaborated to host a National Encore Entrepreneur Mentor Day in several cities around the country.

    To see a summary of the preliminary data from the “Multicultural Work and Career Study,” visit

    About AARP
    AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people turn their goals and dreams into real possibilities, strengthens communities and fights for the issues that matter most to families such as healthcare, employment security and retirement planning. We advocate for consumers in the marketplace by selecting products and services of high quality and value to carry the AARP name as well as help our members obtain discounts on a wide range of products, travel, and services. A trusted source for lifestyle tips, news and educational information, AARP produces AARP The Magazine, the world's largest circulation magazine; AARP Bulletin; www.; AARP TV & Radio; AARP Books; and AARP VIVA, a bilingual news source. AARP does not endorse candidates for public office or make contributions to political campaigns or candidates. The AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. AARP has staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Learn more at


    The articles on this website are provided for information purposes only. does not accept any responsibility or liability for the use or misuse of the article content on this site or reliance by any person on the site's contents. Use at your own risk.

    No Implied Endorsement: does not endorse or recommend any article on this site or any product, service or information found within said articles. The views and opinions of the authors who have submitted articles to belong to them alone and do not necessarily reflect the views of


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