Monday, April 28, 2008

Shark Attack in Solana Beach: Are your affairs in Order?

Never take your health and life for granted. Ever. Unless you are crawling out of a bunker somewhere you've all heard about the triathlete in Solana Beach, CA who was attacked and killed by what is assumed to be a great white shark last week. This attack occurred in the exact spot where Dean, Russ, Jim and I were in the water in March. There is a giant kelp bed right off shore (about 200 meters) and there are dolphins, seals and fish out there. Being the big blue (ocean), there are also things that eat said seals and fish out there as well.

Attached are a couple of links to some folks blogs in San Diego. Jim said it really well that "although shark attacks are rare, death is not." I did not know Dave but my heart goes out to his friends, family and extended family (So Cal Triathletes). WARNING: the picture on the link to Jim's site below (first link) may be upsetting to some readers.

Take a read through these blogs and read a bit about Dave. As a former financial and estate planner, I strongly encourage you to make sure you have your financial affairs in order as well as your will. The only thing worse than passing away in a tragedy is doing so and not having your affairs in order. (Forgive the commercial like talk but...)

1) How will your family's future be funded if you aren't here?
2) Who will take care of your children if you aren't here?
3) What will happen to your assets if you aren't here? (Who gets them? How? When?)
4) Did you do all you can to avoid hassles for who will guide your family if you aren't here? attempt to lighten the message...How much money did you put aside for emotional counseling for your wife/husband/partner? This is sort of a joke in our house. I tell Lorrie all the time that she is going to need all the money for "emotional counseling" if I "check out" early. Things happen in life, bike crashes, cars run red lights, SUVs aim for cyclists (happened to the XXX Racing Team not once but twice last year - and in two races two of their members passed away from injuries), be prepared. As I told a new college rider on a recovery interval last Thursday night, "Assume you are invisible to everyone. Including other cyclists, and ride accordingly." Just as being comfortable in the trail, ocean or lake doesn't mean that you become invisible. You're just another member of the ecosystem.

Not a pleasant topic in the least but our affairs are in order. Are yours?

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