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

New York Markets Close in:

need to know
Burger King to sell hot dogs starting Feb. 23
SolarCity shares plunge on soft forecast
What to expect from Whole Foods earnings

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

Musician Lenny Kravitz owned the 19th-century Creole cottage in the French Quarter of New Orleans from 1994 to 2012. It's now back on the market at $1.16 million.

RE/Max N.O. Properties/Mansion Global
A bona fide celebrity abode — believe it or not
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3 spending, Model X

Twitter reports after the bell — what to look for
The Twitter signal that’s giving investors hope
Facebook, Amazon are the keys to this market
Tech money makers can’t make up for losers

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
Hermès sales up 15% on euro, Asian demand

10 essential money questions to ask yourself today

Feds have removed a roadblock to driverless cars

Recipe for less boring Oscar acceptance speeches
Is James Bond’s Pinewood Studios for sale?

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall

If you’re bullish on oil, Chevron and Exxon are buys here
If you’re bullish on oil, these stocks are buys

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Tricky tax issues you should know about this year

Supreme Court halts Obama’s emissions plan
White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Why you should consider retiring abroad
The best places to retire abroad — with friends
Finding the best places to retire abroad
Expat retirees: how life has turned out

The sad truth of why retirement
is a myth


Is it wise to hold onto cash reserves?

Strategists argue stocks need a true purge

IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

The 6 Most Shorted NYSE Stocks: Short Sellers Pile on Alcoa, Freeport-McMoRan Again
Short sellers pile on Alcoa, Freeport-McMoRan
24/7 Wall St.: Short sellers retreat from Nasdaq

Cheap oil may make OPEC dominant again
Existential threat to Russians and Saudis: Lynn

Will oil get so cheap, it won’t pay to extract it?


/conga/frontpage.html 367602

Markets »

64.26MDow Volume:
Avg Vol: 130.29M
Unchanged
148
Decliners
1862
Advancers
4377
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 16,033 +19 0.12%
Nasdaq
/quotes/zigman/12633936/realtime 4,333 +64 1.51%
S&P 500
/quotes/zigman/3870025/realtime 1,867 +15 0.80%
GlobalDow
/quotes/zigman/629063/realtime 2,093 +8 0.40%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.49%
Oil
/quotes/zigman/2260836/delayed 27.67 -0.27 0.97%
FTSE 100
/quotes/zigman/3173262/delayed 5,672 +40 0.71%
DAX
/quotes/zigman/2380246/delayed 9,017 +138 1.55%
CAC 40
/quotes/zigman/3173214/delayed 4,061 +64 1.59%
FTSE MIB
/quotes/zigman/1482176/delayed 16,714 +801 5.03%
IBEX 35
/quotes/zigman/2759620/delayed 8,144 +216 2.73%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,454 -17 0.69%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,759 -262 1.09%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.34%
Yen
/quotes/zigman/16008150/realtime/sampled 114.02 -1.11 0.96%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.20%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.38%
DXY Index
/quotes/zigman/1652083/delayed 96.10 +0.04 0.04%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.11 -0.17 0.19%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.71 -0.01 0.75%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.01 2.52%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.04 2.37%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 -0.06 3.62%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.13%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 28 0 0.97%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.49%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.28%
DJIA F
/quotes/zigman/48241424/delayed 15,990 +31 0.19%
S&P F
/quotes/zigman/43106711/delayed 1,864 +15 0.83%
Silver
/quotes/zigman/32655632/delayed 15 0 1.26%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.47 2.93 2.94%
AAPL /quotes/zigman/68270/composite 95.22 0.23 0.24%
GOOG /quotes/zigman/59527964/composite 691.39 13.28 1.96%
BAC /quotes/zigman/190927/composite 12.13 -0.07 -0.59%
C /quotes/zigman/5065548/composite 38.04 0.53 1.41%
F /quotes/zigman/264304/composite 11.40 0.05 0.44%
T /quotes/zigman/398198/composite 36.52 -0.13 -0.35%
BP /quotes/zigman/247026/composite 28.03 -0.33 -1.15%
GE /quotes/zigman/227468/composite 28.54 0.26 0.92%
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
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
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 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.26% 15.26% 15.27%
Reward 15.28% 15.28% 15.14%
Instant Approval 18.21% 18.21% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/23556538/composite TWTR+4.44%
  • /quotes/zigman/118681/composite TSLA-0.58%
  • /quotes/zigman/13139813/composite SCTY-26.15%
  • /quotes/zigman/245568/composite DIS-3.20%
  • /quotes/zigman/67451/composite AKAM+21.94%
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

SmartMoney Blogs

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 Close in:

need to know
Burger King to sell hot dogs starting Feb. 23
SolarCity shares plunge on soft forecast
What to expect from Whole Foods earnings

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

Musician Lenny Kravitz owned the 19th-century Creole cottage in the French Quarter of New Orleans from 1994 to 2012. It's now back on the market at $1.16 million.

RE/Max N.O. Properties/Mansion Global
A bona fide celebrity abode — believe it or not
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3 spending, Model X

Twitter reports after the bell — what to look for
The Twitter signal that’s giving investors hope
Facebook, Amazon are the keys to this market
Tech money makers can’t make up for losers

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
Hermès sales up 15% on euro, Asian demand

10 essential money questions to ask yourself today

Feds have removed a roadblock to driverless cars

Recipe for less boring Oscar acceptance speeches
Is James Bond’s Pinewood Studios for sale?

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall

If you’re bullish on oil, Chevron and Exxon are buys here
If you’re bullish on oil, these stocks are buys

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Tricky tax issues you should know about this year

Supreme Court halts Obama’s emissions plan
White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Why you should consider retiring abroad
The best places to retire abroad — with friends
Finding the best places to retire abroad
Expat retirees: how life has turned out

The sad truth of why retirement
is a myth


Is it wise to hold onto cash reserves?

Strategists argue stocks need a true purge

IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

The 6 Most Shorted NYSE Stocks: Short Sellers Pile on Alcoa, Freeport-McMoRan Again
Short sellers pile on Alcoa, Freeport-McMoRan
24/7 Wall St.: Short sellers retreat from Nasdaq

Cheap oil may make OPEC dominant again
Existential threat to Russians and Saudis: Lynn

Will oil get so cheap, it won’t pay to extract it?


/conga/frontpage.html 367602

Markets »

64.26MDow Volume:
Avg Vol: 130.29M
Unchanged
143
Decliners
1873
Advancers
4372
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 16,033 +19 0.12%
Nasdaq
/quotes/zigman/12633936/realtime 4,333 +64 1.51%
S&P 500
/quotes/zigman/3870025/realtime 1,867 +15 0.80%
GlobalDow
/quotes/zigman/629063/realtime 2,093 +8 0.40%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.49%
Oil
/quotes/zigman/2260836/delayed 27.67 -0.27 0.97%
FTSE 100
/quotes/zigman/3173262/delayed 5,672 +40 0.71%
DAX
/quotes/zigman/2380246/delayed 9,017 +138 1.55%
CAC 40
/quotes/zigman/3173214/delayed 4,061 +64 1.59%
FTSE MIB
/quotes/zigman/1482176/delayed 16,714 +801 5.03%
IBEX 35
/quotes/zigman/2759620/delayed 8,144 +216 2.73%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,454 -17 0.69%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,759 -262 1.09%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.34%
Yen
/quotes/zigman/16008150/realtime/sampled 114.02 -1.11 0.96%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.20%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.38%
DXY Index
/quotes/zigman/1652083/delayed 96.10 +0.04 0.04%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.11 -0.17 0.19%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.71 -0.01 0.75%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.01 2.52%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.04 2.37%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 -0.06 3.62%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.13%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 28 0 0.97%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.49%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.28%
DJIA F
/quotes/zigman/48241424/delayed 15,990 +31 0.19%
S&P F
/quotes/zigman/43106711/delayed 1,864 +15 0.83%
Silver
/quotes/zigman/32655632/delayed 15 0 1.26%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.47 2.93 2.94%
AAPL /quotes/zigman/68270/composite 95.20 0.21 0.22%
GOOG /quotes/zigman/59527964/composite 691.39 13.28 1.96%
BAC /quotes/zigman/190927/composite 12.14 -0.07 -0.53%
C /quotes/zigman/5065548/composite 38.03 0.52 1.39%
F /quotes/zigman/264304/composite 11.40 0.05 0.40%
T /quotes/zigman/398198/composite 36.52 -0.13 -0.35%
BP /quotes/zigman/247026/composite 28.02 -0.33 -1.16%
GE /quotes/zigman/227468/composite 28.54 0.26 0.90%
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
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
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 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/23556538/composite TWTR+4.44%
  • /quotes/zigman/118681/composite TSLA-0.58%
  • /quotes/zigman/13139813/composite SCTY-26.15%
  • /quotes/zigman/245568/composite DIS-3.20%
  • /quotes/zigman/67451/composite AKAM+21.94%
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