Estate planning is for everyone.  If you don't have a plan, then your state has a plan for you, but you probably won't like it.  Stay in control of how things are handled if you become disabled or die.  You can plan now for how health care decisions are handled, who has access to your information, and how your assets are handled.  Otherwise, the courts may make those decisions for you in a public and expensive way.  Davies Hood PLLC is a member of WealthCounsel, a nationwide collaborative of estate planning attorneys and wealth planning professionals dedicated to providing the best planning possible for American families.  Click here for more information about estate planning.   
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Reasons Everyone Needs an Estate Plan

1. Include instructions for passing your values in addition to your valuables.
2. Include instructions for your care if you become disabled before you die.
3. Name a guardian and an inheritance manager for minor children.
4. Include life insurance to provide for your family at your death; disability income insurance to replace your income if you cannot work due to illness or injury; and long-term care insurance to help pay for your care in case of an extended illness or injury.
5. Avoid chaos and discord among beneficiaries.
6. Provide for family members with special needs without disrupting government benefits.
7. Provide for loved ones who might be irresponsible with money or who may need future protection from creditors or divorce.
8. Provide for the transfer of your business at your retirement, disability or death.
9. Minimize taxes, court costs, and unnecessary legal fees.
10. Be an ongoing process, not a one-time event. Your plan should be reviewed and updated as your family and financial situations (and laws) change over your lifetime.

Federal Law.  There is no federal law that requires employers to provide employees time off to vote in a national or state election, but many states have voting leave laws which regulate the amount of time permitted away from the workplace to vote, whether wages may be deducted, and which elections are subject to the requirements for voting leave.

Tennessee.  Tennessee requires private employers to grant time off to vote as follow:

• Employers are required to provide employees up to 3 hours to vote, unless the employee has at least 3 consecutive hours of nonworking time during the time the polls are open.
• The employer may specify the time during which an employee may take leave to vote.
• Employers may not penalize employees for taking voting leave or deduct voting time from their wages.

Employees must apply for a voting leave absence before 12:00 noon on the day before the election.  See Tenn. Code Ann. § 2-1-106 for more information.  

Arkansas.  Private employers in Arkansas are required to schedule an employee's time on election days so that each employee has the opportunity to vote. See Arkansas Code § 7-1-102 for more information

Mississippi.  Mississippi currently has no voting leave laws for private sector employees.