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Futures: /quotes/zigman/30356461/delayed S&P 500 +0.7% /quotes/zigman/38649152/delayed DOW +0.8% /quotes/zigman/30356458/delayed NASDAQ +0.8%

need to know
Europe stocks waver | FTSE 100 regains ground
Chinese stocks rebound from earlier selloff

Intel overhauls chip business to revive PC sales
Tesco closes in on $7 bln S. Korea deal
Brent back below $50 as oil prices keep sliding
China tightens controls to fight capital outflows
Morgan Stanley cuts S&P 500 price target
AT&T urges rejection of TRC Capital offer
Amgen finds data falsified in diabetes study


China stock market to close for World War II anniversary

There’s still too many gold market bulls, says Hulbert

McDonald’s set to offer all-day breakfast

No. 1 restaurant for ‘breakfastarians’ is ...
Teacher with 111 tardies blames breakfast

Never use a market order when stocks are selling off

Uber drivers lawsuit  endangers much more than Uber
Uber driver suit can proceed as class-action

How China turned minor yuan issue into global rout
Beijing bumbling is China’s biggest problem

Where every Fed member stands on raising rates

Rate-hike question is what Yellen didn’t want
Boston Fed president: Sept. doubt remains

How LVMH poached Apple digital exec Ian Rogers

What to expect at September Apple event
What to expect from the Apple event on Sept. 9
New on the shelves of your Apple Store: drones
Apple talks to Hollywood for exclusive content
Lost Apple deal leads to 40% job cut at GT

Babe Ruth’s New York apartment is for sale

Building is emerging as strongest sector of economy
U.S. manufacturing growth at 2-year low: ISM

These are the cars that get the most Instagram attention
Best time to buy a new car may be just ahead
U.S. car sales are stronger than expected

10 cities in U.S. with the very worst traffic problems
Lowest Labor Day gas prices in 11 years: AAA

September — the cruelest month for stocks?
What Wall Street swoon means for your money

Unlucky lottery winner gets IOU from Illinois

/conga/frontpage.html 353896

Markets »

171.39MDow Volume:
Avg Vol: 111.86M
Unchanged
163
Decliners
5264
Advancers
1172
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,058 -470 2.84%
Nasdaq
/quotes/zigman/12633936/realtime 4,636 -140 2.94%
S&P 500
/quotes/zigman/3870025/realtime 1,914 -58 2.96%
GlobalDow
/quotes/zigman/629063/realtime 2,292 -3 0.13%
Gold
/quotes/zigman/662444/delayed 1,138 -2 0.19%
Oil
/quotes/zigman/2331095/delayed 44.35 -1.06 2.33%
FTSE 100
/quotes/zigman/3173262/delayed 6,076 +18 0.30%
DAX
/quotes/zigman/2380246/delayed 10,043 +27 0.27%
CAC 40
/quotes/zigman/3173214/delayed 4,552 +11 0.25%
FTSE MIB
/quotes/zigman/1482176/delayed 21,628 +177 0.82%
IBEX 35
/quotes/zigman/2759620/delayed 9,981 -12 0.12%
Stoxx 600
/quotes/zigman/2380150/delayed 353 +0 0.10%
Asia Dow
/quotes/zigman/6959860/realtime 2,703 -15 0.55%
Nikkei 225
/quotes/zigman/5986735/delayed 18,095 -70 0.39%
Hang Seng
/quotes/zigman/2622475/delayed 20,935 -250 1.18%
Shanghai
/quotes/zigman/1859015/delayed 3,160 -6 0.20%
Sensex
/quotes/zigman/1652085/delayed 25,454 -243 0.95%
Singapore
/quotes/zigman/1709939/delayed 2,878 -5 0.16%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.35%
Yen
/quotes/zigman/16008150/realtime/sampled 120.04 +0.66 0.56%
Pound
/quotes/zigman/16008140/realtime/sampled 1.53 0.00 0.12%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 0.00 0.28%
DXY Index
/quotes/zigman/1652083/delayed 95.65 +0.27 0.29%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.48 +0.31 0.35%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 +0.01 0.37%
German 10y
/quotes/zigman/15866409/realtime 0.78 -0.02 2.56%
Italy 10yr
/quotes/zigman/15866497/realtime 1.99 -0.01 0.34%
Spain 10yr
/quotes/zigman/15866444/realtime 2.15 +0.01 0.45%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.81 -0.02 0.94%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.03 8.56%
Crude Oil
/quotes/zigman/2331095/delayed 44 -1 2.33%
Gold
/quotes/zigman/662444/delayed 1,138 -2 0.19%
Corn
/quotes/zigman/7599553/delayed 369 0 0.00%
DJIA F
/quotes/zigman/38649152/delayed 16,208 +121 0.75%
S&P F
/quotes/zigman/30356461/delayed 1,930 +14 0.75%
Silver
/quotes/zigman/3134148/delayed 15 0 0.62%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 87.23 -2.20 -2.46%
AAPL /quotes/zigman/68270/composite 107.72 -5.04 -4.47%
GOOG /quotes/zigman/30194416/composite 597.79 -20.46 -3.31%
BAC /quotes/zigman/190927/composite 15.58 -0.76 -4.65%
C /quotes/zigman/5065548/composite 50.94 -2.54 -4.75%
F /quotes/zigman/264304/composite 13.72 -0.15 -1.08%
T /quotes/zigman/398198/composite 32.32 -0.88 -2.65%
BP /quotes/zigman/247026/composite 32.14 -1.40 -4.17%
GE /quotes/zigman/227468/composite 23.88 -0.94 -3.79%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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Trending Tickers
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Encore
A blog about living in and planning for retirement

The Missing Link in Your Estate Plan

iStockPhoto

There’s no doubt that many Baby Boomers are planning for the future — 56% have a will, for example, according to a 2011 survey by Rocket Lawyer — but even the savviest among them may overlook one crucial element in their estate plan: a letter of final instruction. “It’s the ‘missing link’ in estate planning,” says Leon LaBrecque, managing partner and founder of LJPR LLC. “It’s something most people don’t have.”

This letter of instruction is a non-legally-binding document that provides your family with guidance upon your death on little things that wouldn’t necessarily go into a legal document. So, for example, this document might help them with contact information for your friends that you’d like notified upon your death; passwords and PIN numbers for your banks accounts or computer; the location of important documents like your birth and marriage certificates, insurance policies and deeds; or funeral details. Basically, you should include anything that your heirs might want or need to know that wasn’t outlined in your estate plan; this list provides further detail on what to include. “It answers the questions that the rest of your estate plan don’t,” LaBrecque says.

Of course, this letter of instruction is just a small part of your overall estate plan. You still need legal documents like a will, living will, health-care proxy, and a durable power of power of attorney for financial reasons and health care reasons. And the letter of instruction is not legally binding, so it may not hold up in court in the event of an estate dispute among heirs.

Still, experts say it’s worth considering writing one, even if it’s just to help your heirs avoid hassles. “It can save your family a lot of stress and confusion,” says LaBrecque. “It helps with the ‘who, what, when, where’ that might not otherwise get answered.”  Just be sure to store it somewhere that your heirs can easily access it upon your death. LaBrecque recommends making copies of the document and giving them to your attorney and anyone else who will be handling your estate upon your death.

Click here for a template for a letter of final instruction.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (5 of 7)

View all Comments »
    • Daniel, yea I noticed what we bboraply did there. I must say i favored that part, however hehe I am not that harsh like dad using these things. He constantly tells me loopy stories again while in the day and calls me a loser. I assume it’s high time I leave my mom and dad basement LOL. Aaanyways, why don’t you consider you? just what does your dad think xD Anyway, around my language, there will t be considerably good supply like this.

    • the template is a great start. If are interested in a way to write a comprehensive letter of instruction, please visit
      http://outskirtspress.com/directionmemo

    • It’s a Little off Topic but Anyone Looking for Cheap Car Insurance
      Should Check Out this Website!

      They have Car Insurance for $2 per day!

      –> http://www.Cheap-Auto-Insurance.com–secure.info

      This has saved me so much money!

    • Dear Catey,
      There are now online services that help store and pass on your last wishes, like Legacy Locker and Entrustet. One company, E-Z-Safe (www.e-z-safe.com) even has an automatic monitor system and automatic email system so that as soon as you stop responding to the system, your last wishes and instructions can immediately be sent to your designated heirs or estate executors. My parent’s friend died and because her lawyer was abroad and the will unavailable, she was buried instead of cremated as she had requested. If she would have used such a service, her last wishes would have been known immediately.

    • A thoughtful addition to every estate plan is your personal and family history. Loved ones undoubtedly will appreciate knowing about the facts and important events of your life after you’re gone, including experiences that inspired you and counsel you can provide to help those you leave behind. Your history can be either written, tape-recorded or videotaped. For a complimentary (and comprehensive) chronological outline to follow to create your history (pdf format), please email me at: EMAREL@COMCAST.NET.

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

New York Markets Open in:

Futures: /quotes/zigman/30356461/delayed S&P 500 +0.7% /quotes/zigman/38649152/delayed DOW +0.7% /quotes/zigman/30356458/delayed NASDAQ +0.8%

need to know
Europe stocks waver | FTSE 100 regains ground
Chinese stocks rebound from earlier selloff

Intel overhauls chip business to revive PC sales
Tesco closes in on $7 bln S. Korea deal
Brent back below $50 as oil prices keep sliding
China tightens controls to fight capital outflows
Morgan Stanley cuts S&P 500 price target
AT&T urges rejection of TRC Capital offer
Amgen finds data falsified in diabetes study


China stock market to close for World War II anniversary

There’s still too many gold market bulls, says Hulbert

McDonald’s set to offer all-day breakfast

No. 1 restaurant for ‘breakfastarians’ is ...
Teacher with 111 tardies blames breakfast

Never use a market order when stocks are selling off

Uber drivers lawsuit  endangers much more than Uber
Uber driver suit can proceed as class-action

How China turned minor yuan issue into global rout
Beijing bumbling is China’s biggest problem

Where every Fed member stands on raising rates

Rate-hike question is what Yellen didn’t want
Boston Fed president: Sept. doubt remains

How LVMH poached Apple digital exec Ian Rogers

What to expect at September Apple event
What to expect from the Apple event on Sept. 9
New on the shelves of your Apple Store: drones
Apple talks to Hollywood for exclusive content
Lost Apple deal leads to 40% job cut at GT

Babe Ruth’s New York apartment is for sale

Building is emerging as strongest sector of economy
U.S. manufacturing growth at 2-year low: ISM

These are the cars that get the most Instagram attention
Best time to buy a new car may be just ahead
U.S. car sales are stronger than expected

10 cities in U.S. with the very worst traffic problems
Lowest Labor Day gas prices in 11 years: AAA

September — the cruelest month for stocks?
What Wall Street swoon means for your money

Unlucky lottery winner gets IOU from Illinois

/conga/frontpage.html 353896

Markets »

171.39MDow Volume:
Avg Vol: 111.86M
Unchanged
163
Decliners
5264
Advancers
1172
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,058 -470 2.84%
Nasdaq
/quotes/zigman/12633936/realtime 4,636 -140 2.94%
S&P 500
/quotes/zigman/3870025/realtime 1,914 -58 2.96%
GlobalDow
/quotes/zigman/629063/realtime 2,292 -3 0.13%
Gold
/quotes/zigman/662444/delayed 1,138 -2 0.20%
Oil
/quotes/zigman/2331095/delayed 44.35 -1.06 2.33%
FTSE 100
/quotes/zigman/3173262/delayed 6,077 +18 0.30%
DAX
/quotes/zigman/2380246/delayed 10,045 +29 0.29%
CAC 40
/quotes/zigman/3173214/delayed 4,553 +12 0.26%
FTSE MIB
/quotes/zigman/1482176/delayed 21,623 +172 0.80%
IBEX 35
/quotes/zigman/2759620/delayed 9,982 -11 0.11%
Stoxx 600
/quotes/zigman/2380150/delayed 353 +0 0.10%
Asia Dow
/quotes/zigman/6959860/realtime 2,703 -15 0.55%
Nikkei 225
/quotes/zigman/5986735/delayed 18,095 -70 0.39%
Hang Seng
/quotes/zigman/2622475/delayed 20,935 -250 1.18%
Shanghai
/quotes/zigman/1859015/delayed 3,160 -6 0.20%
Sensex
/quotes/zigman/1652085/delayed 25,454 -243 0.95%
Singapore
/quotes/zigman/1709939/delayed 2,878 -5 0.16%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.35%
Yen
/quotes/zigman/16008150/realtime/sampled 120.04 +0.67 0.56%
Pound
/quotes/zigman/16008140/realtime/sampled 1.53 0.00 0.11%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 0.00 0.30%
DXY Index
/quotes/zigman/1652083/delayed 95.65 +0.28 0.29%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.49 +0.32 0.36%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 +0.01 0.37%
German 10y
/quotes/zigman/15866409/realtime 0.78 -0.02 2.56%
Italy 10yr
/quotes/zigman/15866497/realtime 1.99 -0.01 0.34%
Spain 10yr
/quotes/zigman/15866444/realtime 2.15 +0.01 0.45%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.81 -0.02 1.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.03 8.56%
Crude Oil
/quotes/zigman/2331095/delayed 44 -1 2.33%
Gold
/quotes/zigman/662444/delayed 1,138 -2 0.20%
Corn
/quotes/zigman/7599553/delayed 369 0 0.00%
DJIA F
/quotes/zigman/38649152/delayed 16,205 +118 0.73%
S&P F
/quotes/zigman/30356461/delayed 1,930 +14 0.75%
Silver
/quotes/zigman/3134148/delayed 15 0 0.62%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 87.23 -2.20 -2.46%
AAPL /quotes/zigman/68270/composite 107.72 -5.04 -4.47%
GOOG /quotes/zigman/30194416/composite 597.79 -20.46 -3.31%
BAC /quotes/zigman/190927/composite 15.58 -0.76 -4.65%
C /quotes/zigman/5065548/composite 50.94 -2.54 -4.75%
F /quotes/zigman/264304/composite 13.72 -0.15 -1.08%
T /quotes/zigman/398198/composite 32.32 -0.88 -2.65%
BP /quotes/zigman/247026/composite 32.14 -1.40 -4.17%
GE /quotes/zigman/227468/composite 23.88 -0.94 -3.79%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/12221594/composite AMBA-6.30%
  • /quotes/zigman/10944615/composite FIVE-3.10%
  • /quotes/zigman/76117/composite EBAY-2.32%
  • /quotes/zigman/26244650/composite CIEN-1.61%
  • /quotes/zigman/1502728/composite UUP-0.60%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration

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