u/78523985210

My mom has a life insurance policy and has listed me and my brother as 50/50 beneficiaries.

My brother has special needs and currently receives government support (disability benefits and free healthcare). My mom is concerned that if she passes away it could disqualify him from benefits or reduce what he receives.

What would be the best approach? The only thing I can think of is for me be 100% as beneficiary and pay for his expenses.

Thank you in advance.

Hypothetical question, but if you could bring 1 ultralight jacket and travel around the world for 1 year, which jacket would you bring?

For context, I carry a Montbell sun umbrella and recently got a Montbell Plasma. I would use my umbrella and Plasma to keep me dry and warm, but I didn't factor in the wind and the rain soaked the side of my jacket, so I bought a decent quality poncho at Family Mart which works perfectly.

I'm debating if I should get a Montbell Versalite and just use that to keep me dry and somewhat warm so that way I don't have to have 2 items (Montbell Plasma + poncho) with me. Since my friend is in Japan with me, I am planning to buy a Montbell Versalite and give my friend my Montbell Plasma and poncho to bring back home while I continue my trip with just a Montbell Versalite.

Any suggestions appreciated. Thanks in advance.