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6 x August 17 - September 6, 2017 x According to the American Cancer Society, the colon cancer death rate in this country could be cut by more than one-half if Americans simply followed recommended screening guidelines. Early detection and treatment are critical. If caught early, colorectal cancer is 90 percent curable. If pre-cancerous polyps are found during screening, the disease is often altogether preventable. Because colorectal cancer can develop without any signs or symptoms, a colonoscopy could serve as a lifesaving test. It's Sizzlin' Summertime! Landscape Design & Installation Landscape Maintenance Residential & Commercial Irrigation Design & Installation Irrigation Repair & Maintenance 407-217-4062 $ 50 OFF* NEW customer landscape service of $500+. Offer code: NCM 50 13506 Summerport Village Pkwy., #274 Windermere, FL 34786 MATTER OF HEALTH Colorectal Cancer Screenings Save Lives by Moin Kola, M.D. Central Florida Hepatology & Gastroenterology • 407-303-1812 • It’s important to know who should be screened and when. Men and women are affected equally by colorectal cancer. Unlike other cancer screenings, which can only detect a problem, colorectal cancer screening with Central Florida’s Largest Selection of Office Furniture 50,000-Sq.-Ft. Showroom 440 West Kennedy Blvd. 407-316-0101 • New • Used • Scratch ‘n Dent colonoscopy can prevent colorectal cancer by removing precancerous polyps during the exam. For patients of average risk with no family history, it is widely recommended that screenings for colon cancer begin at age 50, with follow-up screenings every five to 10 years, even for people who feel perfectly healthy. If you have a family history of cancer, are experiencing pain or bleeding, or a previous screening revealed polyps, your doctor may recommend that you be screened earlier or more frequently. The colonoscopy is the gold standard of screening for colorectal cancer. You do not need to feel embarrassed or ashamed during a colonoscopy. It is your doctor’s job to perform this lifesaving screening, and every effort is made to help patients feel comfortable during the painless procedure. In preparation for the procedure, you’ll be asked to follow a clear liquid diet the day before. This means only water, clear broth, soda, tea, coffee (without milk/creamer), clear juice (without pulp), Jell-O, ice pops and other flavored drinks. You’ll be given instructions on using a laxative mixture to empty your bowel so that your colon can be viewed clearly during the test. During the colonoscopy, your doctor will look at the inner lining of your large intestine, which includes your rectum and colon. A thin, flexible tube called a colonoscope is inserted while you are semi-sedated. Most patients have very little awareness that the procedure is taking place. Generally, a colonoscopy is done within an hour. Along with functioning as a screening test to check for cancer or precancerous polyps in the colon or rectum, a colonoscopy can also help find ulcers, tumors and areas of inflammation or bleeding. It is important to be screened for colon cancer even if you are not currently experiencing symptoms or signs of polyps or cancers. ª NOW ENROLLING Andy Phillips, Agent 7608 W Sand Lake Road Orlando, FL 32819 Bus: 407-354-1320 andy.phillips.kraa@ Save $761. * Combine Home & Auto. Save money and time when you combine your home and auto insurance. Just another way I’m here to help life go right. CALL ME TODAY. *Average household savings based on 2015 national survey of new policyholders who reported savings by switching to State Farm ® . State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company State Farm Fire and Casualty Company, State Farm General Insurance Company Bloomington, IL 1601489 x August 17 - September 6, 2017 x 7 A House Divided Probate Disaster By Kristen M. Jackson Attorney Is it true that when my husband dies our home automatically transfers to me even though my name was never included on the property deed? There is no simple Yes or No answer. Florida Homestead Laws can be very complicated and problematic for intended heirs. Consider the following client example. When Mary married Joseph he owned his own home outright. It was Joseph’s second marriage. Mary and Joseph had two children together and he also had two children from a previous marriage. In the interest of their immediate family, Mary suggested that Joseph add her name on the deed to their house. Joseph told Mary that there is no need to spend money to change title to the deed because the state of Florida recognizes Mary’s right of survivorship, meaning she will automatically inherit the Joseph’s home outright upon his death. Joseph was completely wrong on Florida law and following his death, his mistaken belief complicated Mary’s and their children’s lives as well as the lives of the children of Joseph’s first marriage. It was never Joseph’s intention to divide the family home by unintentionally giving an interest of it to children of a previous marriage. It was always his intention for Mary and their 2 children to own the home should they survive him. For his failure to understand property law or having any estate planning documents that would transfer the home to Mary, the home would now be divided between Mary and their 2 children and the 2 children of Joseph’s from a prior marriage. Mary had to make a decision on how to hold her household together. Because Joseph died without a Last Will & Testament, Mary was required to probate the family home by hiring an attorney to manage a Probate in court. This process took her almost a year to conclude the transfer of ownership. During the process Mary was required to choose one of the following options. Either option forced the condition of a House Divided. Option One was to accept a life estate interest in the home which would allow Mary to live in the home until her death but the house would be titled in the names of her children and the children from Joseph’s first marriage. Mary would neither be able to sell the home nor refinance it because she would not own it. Furthermore, if Mary were to move out of the home she would give up her right to the life estate. Option Two was to receive partial ownership together the Joseph’s 4 children from both marriages. Although Mary would be entitled to own a 50% interest, any of the children, hers or those from Joseph’s first marriage, could attempt by law to force the sale of the property. Unless a court order states otherwise, any final decision to sell the property would require the consensus of all 5 owners. Had Joseph simply added Mary’s name to the deed, there would have been no need for Probate and Mary would have owned the family home outright without sharing it with the children of Joseph’s previous marriage. Before you unintentionally impact the inheritance of your family home by causing a House Divided, consult with an estate planning attorney to prepare a will, trust, life estate deed or some other type of estate protection. Legal Areas of Practice By our Team of Attorneys Administrative Advance Directives Bankruptcy Business Buy / Sell Contracts Commercial Contracts Corporation Criminal Employment Estate Planning Family Law Guardianship Litigation Last Wills Medicaid Powers Of Attorney Pre-Nuptials Probate Real Estate Special Needs Title & Closings Trusts Trademark Estate Planning Wills, Trusts, Probate, Living Wills, Powers of Attorney, Health Care Directives, Pre-Need Guardians, Trust Administration, Pet (Animal) Trusts Probate With or without a Last Will, in order to obtain assets, pay debts and taxes and distribute remaining assets to the heirs or beneficiaries, the deceased’s estate requires the assistance of an attorney to manage the court supervised administration. Corporation & Business Law Contracts, Start-ups, Purchase or Sales, Corporations (Inc.), Limited Liability Companies (LLC’s), Trademarks, Copyrights, Franchise Agreements Real Estate Closings, Title Insurance, Sales & Purchases, Leases, Contract Review, Contract Preparation (407)363-9020 Offices: Orlando Credit Cards Accepted Kristen Jackson Attorney At Law