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After the passing of your loved one, you may not have expected to find yourself being in charge of settling his or her final affairs. You may have learned that your loved one died without a will or did not appoint an executor even if he or she did create a will. As a result, the court chose an administrator, and you ended up in the position.

Though it may have come as somewhat unexpected, you accepted the role nonetheless. You may feel well equipped to handle the obligations ahead and do not feel that the estate administration process will cause you any undue hardships. Of course, certain elements of the process may seem confusing to you, so it is wise to gain information on the steps you will take during the proceedings, including posting an administration bond.

If you drive to and from work every day, you understand how stressful navigating high-traffic areas in Texas can be. You might adhere to all traffic regulations and try your best to stay alert and cautious behind the wheel. However, if a distracted driver is nearby, there may be little to nothing you can do to avoid a collision. Distracted drivers cause many fatal collisions in this state and across the country.

You can avoid distracted driving yourself and can teach new drivers in your household to keep their eyes on the road and hands on the wheel at all times. You should be able to reasonably expect that motorists with whom you share the road would also be obeying traffic laws and safety regulations. A moment's distraction can cause a lifetime of devastation. When someone is negligent and causes injury to another, the victim can seek monetary judgment against him or her in court.

You spent a significant part of your life working to earn money. Perhaps you saved and invested so that you would have a little something-or a lot of something-to leave to your children. Like many in Texas who have this dream, it may give you joy to think of your children and grandchildren benefiting from your hard work and sacrifices. You may be ready to create an estate plan that will allow them to reap those benefits.

However, taxes may not be the most critical threat to your goals. Too often, those who obtain a large amount of unexpected money make foolish decisions that may lead to financial disaster. They buy extravagant homes or allow unscrupulous people to talk them into fraudulent investments. They quit their jobs. For some, this means bankruptcy or worse. If it is your hope that your children will make some use of their inheritance, you may want to consider a spendthrift trust.

Although children are generally safer riding buses than they are in cars, they don't escape every accident unharmed. The injuries your child suffers could lead to bills you can't afford - even with proper insurance.

Recently, a Killeen school bus was involved in a three-car crash at the intersection of State Highway 195 and Cactus Spur. Although the bus driver and students were all reportedly unharmed, the accident raises the question: Who pays for the medical bills if your child is injured in a school bus crash?