Jane Sumerset




Sentence writing software – Manually checking for punctuation mistakes or correcting grammar faults takes way to much time. sentence writing software can make your life easier in many ways. There are now sentence writing software applications that work in a very advanced manner to make writing easier and error free. Sentence writing software operates by using a very large database of written material, containing many commonly used phrases, and comparing that to what the user writes. Mistakes are found, and alternative words are suggested, much like an automated thesaurus. sentence writing software uses a technology called NLP (Natural Language Processing), which reads your whole sentences in context, unlike an ordinary spell checker, which only words single words. Reading in context is important, because without context a spell checker can’t tell if you mean “their” or “there,” as both are words in English.

Sentence writing software is the patent-pending solution which automatically works with all text based tools, easily correcting all grammatical, spelling, punctuation or any other writing errors.

It works for: Article Writing, Creative Writing, Email writing, Business Writing, Letter Writing, Essay Writing, Instant Messaging, Social Media, Blogging, Medical writing, Legal writing and much, much more.

For people who must write a great deal, whether for school or work, sentence writing software can make someone instantly more understandable in English. It’s like having a virtual writing teacher built into your computer. English is actually not one of the easiest languages in the world, even for native speakers. Well, consider the following five reasons why you might very well need it.

1. If you are in business and must send out correspondences, emails, reports and other information, you want your writing to be clear, correct and professional. This will enable people to better understand your communications. It will also improve your image as someone who writes well and clearly.

2. Sentence writing software can help increase your creativity as a writer, as in addition to correcting mistakes, it also acts as a thesaurus and suggests different words, such as descriptive adverbs and adjectives. This makes your writing more interesting and versatile.

3. If English is not your first language but you have a need to communicate clearly in this language, this is the perfect solution for you. You can write down the basic ideas of what you need to say, while the software will read and correct your mistakes and suggest alternatives.

4. If you spend time rewriting or editing your reports or other correspondences, sentence writing software can save you a lot of time by automating these tedious tasks.

5. When you make mistakes in your writing and people notice it, it can have a negative effect in the way they think of you. If you are in business, trying to sell something, attempting to persuade someone of something, or even if you are just writing social emails, isn’t it better to be seen as someone who is well educated and can write well.

When you write letters or emails, you can do so faster and with more confidence, as sentence writing software will correct your mistakes and suggest better word usage, much like a thesaurus. If you have to do much writing, for any reason at all, sentence writing software can help you to communicate faster and more effectively.

Cindy Heller


Typically a marriage always starts on a happy note. Both couples are falling in love to each other and the early marriage life is really beautiful. They feel that they are really blessed because they have found a partner for life. This scenario happens repetitively, but unfortunately it also can potentially end in a disaster. Many couples experience negative changes in their marriages after several years. Their happy early marriage lives are replaced by many arguments and fights. Each couple cannot stand each other anymore and they cannot stay under the same roof with arguing to each other. In the end, they feel that the situation has become unbearable and they decide to go for a divorce.

If you notice, the divorce rate has increased significantly over the years. Today’s society is not the same as the older generations. These days, people do not think highly of a marriage. They don’t care much about the vows that they have said in their wedding day. The old culture where husband and wife live together until death do they part does not mean much for them. What has gone wrong with the new generations? Why do they easily consider a divorce? Why can’t they follow the foot steps of the grandparents?

Our older generations can be considered more successful when it comes to a marriage. They married only once and they stayed together through good and bad times. Of course they also faced problems in their marriage life, but they worked hand in hand with their spouse to solve those problems. It is such an unfortunate that people have left this beautiful culture behind. The situation has completely changed nowadays and the divorce rate has neared the fifty percent mark. To make it worse, the trend is still pointing up.

There are several reasons that cause this situation. The most obvious reason is that the world has changed over the years. This is not the same world where our grandparents have lived before. Nowadays people are taught to be independent. People have learnt that freedom is the right of every individual. This new teaching sounds good, but it also has caused people to be more selfish.

Daily problems are another reason that has pushed the divorce rate up. Problems are becoming more and more complex. Stress and pressure invade every marriage life. People are exposed continually to stressful environments. This situation creates strain in a marriage and it is easy for people to act irrationally. People are getting angry easily and heated arguments can spark at any time.

Another reason that causes the increase of the divorce rate is the high level of temptation. As you can observe, porn is easily accessible nowadays. Moreover, clothing design has changed considerably from the past. Now people need to show more skin and curve in order to look beautiful and sexy. It is not surprising to find out that there are many people who are trapped by these temptations.

Among those reasons, perhaps the biggest reason of rising divorce rate is the process of divorce itself which has become much simpler these days. Billboards and ads are everywhere showing lawyers who can help people get a divorce. In fact, some of those ads are encouraged people to get a divorce for a better life. The world has really changed for the worse. A marriage is considered as an outdated concept and a divorce is the new trend.

However, you know better than to follow this negative trend. You can choose and you will choose wisely. Stay committed to your marriage and remember the promises that you have said to your spouse. Work together to solve marriage problems and keep maintaining the first love that you experienced when you just got married. If you keep doing this, you will find that a divorce is actually absolutely necessary.

David Grimaldi


Submitted By:

David Grimaldi

Morgan Stanley

Financial Advisor

Madison Avenue Location

(866)651-8625

You’ve spent years growing your wealth and building your estate, so it is just good sense to plan to protect your assets and pass them on to your beneficiaries according to your wishes. When you’re ready to sit down and develop an estate plan, keep these tips in mind.

Write a will. If you do not have a will when you die, the law of your state may then determine what happens to your estate, your assets and any minor children. In addition, even if you have a Will, the estate administration process, usually governed by probate court, can be slow, sometimes expensive and open to the public.

Fund a living trust. Follow through if you set up a living trust. Until you transfer ownership of property or assets to it, the trust is not worth any more to you or your beneficiaries than the paper it’s printed on. Unfortunately, many revocable living trusts are set up but are never funded.

Re-title “JTWROS” property. Joint-Tenancy-With-Right of Survivorship titling of assets may reduce flexibility in estate planning. Although probate is avoided at the first joint owner’s death, estate-tax saving opportunities may be limited. Use both spouses’ estate exemption amount. Leaving all property and assets to a spouse may avoid estate taxes at the death of the first spouse, but it wastes the estate tax credit of the “first-to-die.” A credit shelter trust can allow each spouse’s estate exemption amount to be utilized, thus sheltering more assets from estate tax liabilities.

Re-title ownership of life insurance policies. Most life insurance policies are owned by the insured, causing the policy’s face amount to be included in that person’s estate at his or her death. Policy owners may consider giving policies directly to the beneficiary or transferring the policies to an irrevocable life insurance trust. Either strategy could help reduce estate taxes.

Choose an appropriate executor. Naming an inexperienced family member as executor could complicate the demanding task of settling your estate. This is especially true because the time following a death is often emotionally difficult.

You might want to look into the benefits of naming a trust company or other corporate fiduciary as your executor. Organize your paperwork and files. If you do not provide your executors and beneficiaries with all the paperwork or files pertaining to your property, assets and wishes, improper distribution and management of your estate may result.

Update your estate plan. Updating your estate plan from time to time is important so that it is implemented exactly according to your wishes. You will want to update your estate plan when there are changes in your family (births, marriages, divorces, deaths, etc.), when the value of your estate significantly increases or decreases, when tax laws change, if you move to another state or if your business or career changes. Be sure to consult your tax and legal advisors before making any tax-related or legally related decisions. And during the estate planning process, don’t forget to involve your financial advisor in investment-related issues.

For More Information If you’d like to learn more about Developing an Estate Plan, please call (866)651-8625.

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ These materials are provided free of charge for general informational and educational purposes to our brokerage clients. These materials do not take into account your personal circumstances and we do not represent that this information is complete or applicable to your situation. We may change these materials at any time in the future without notice to you. We are not providing you with investment, tax or legal advice. You should consult your own tax, legal, investment or other advisors to determine whether the analyses in these materials apply to your specific circumstances. Particular legal, accounting and tax restrictions applicable to you, margin requirements and transaction costs may significantly affect the structures discussed, and we do not represent that results indicated will be achieved. We are not offering to buy or sell any financial instrument or inviting you to participate in any trading strategy. Investments and services are offered through Morgan Stanley DW Inc., member SIPC.

Sharon Taylor


Term Life Insurance

Life insurance is a subject that brings on many different opinions. While some believe it is a waste of money or even considered gambling, most people understand that life insurance is primarily used to ensure that your family or beneficiary is well taken care of upon your death. Life insurance also ensures that your family will be able to take care of your burial and funeral expenses.

While there are many different types of policies as far as life insurance is concerned, term life insurance is considered to be “pure insurance” because it builds no cash value like other policies. While some life insurance policies are used as a type of savings or retirement account, term policies are in place for a specific amount of time and only paid out in the event of death. Term life is the most practical and unselfish way to ensure no one has to worry about how to take care of you in the event of your death.

History of Life Insurance

As with most things ancient, Rome recorded one of the first life insurance policies in existence. Roman groups called Fratres (or burial clubs) came together to establish this form of security for their workers. These policies were set up by the poor to pay for the funerals of fellow club members and to help the surviving family financially.

The first insurance company in the United States was started in 1735. This South Carolina based company, called the Friendly Society, lasted until 1740. In 1759, the first life insurance company was established in Philadelphia by the Synod of the Presbyterian Church. It was started for the benefit of Presbyterian ministers’ families. As with the Romans, the basic financial needs of surviving family members would be taken care of.

As far as ancient times, society has known that those who are left behind need some sort of financial security upon a loved one’s death. Undoubtedly, it seems that even in ancient times, burial and funeral expenses alone were enough to wipe away a family’s savings. In the case of a family being impoverished, a proper burial might even be out of the question.

While no one likes to think of death and dying, term life insurance is something that is very much needed. The trauma of losing a loved one is obviously emotionally and mentally draining and at least a life insurance policy allows the added financial burden to be eliminated. Choosing the right policy to accommodate your needs is the key to planning a secure future for your family.

Most Practical Choice

If you are looking for a simple way to look after your family after your passing, term life insurance seems to be the most practical way to go. With even a minimal policy, you can ensure that your family will be able to pay for burial and funeral expenses. If you have children, hopefully your policy will enable them to attend college or perhaps your family’s house can be paid off.

With the advent of the Internet, it is easy to study the various types of term life insurance available online as well as the requirements that each carrier might have. You can obtain fast quotes online as well. Some term life insurance companies even offer “no medical exam” policies or “cheap” policies that are affordable. Terms usually run in 10-year periods – 10, 20 or 30-year policies are the norm.

Praveen Kumarii


As a language and literature teacher, it has always been my main concern to translate relevant theory into the classroom. And I have felt, at times, bombarded by the various approaches suggested to that end. In this series of articles, I will help you select the kind of material that will make your practice enjoyable both for yourself and, most importantly, for your students. Furthermore, since the choice of materials is of paramount importance, I will provide you with a selected bibliography, most of which I have been using for a long time, and some which I have become acquainted with – and enjoyed – in my recent studies in curriculum design.

I will start by focusing on a question Tricia Hedge asks in her delightful work Writing. Why is it that for large numbers of English language students writing seems to pose great problems? According to Hedge, it is … (possibly) for the same reasons that large numbers of adult native speakers never achieve a high level of expressiveness in writing their first language. It is partly to do with the nature of writing itself. If we asume that the last sentence refers to the solitary nature of writing, the inability to converse with the reader, we must heartily agree with the statement. But a writer never writes in a vacuum, a writer is influenced by internal and external circumstances, such as having had a row with with a relative, or suffering from a head cold, to mention only two items from a long list! Certainly, the most influential factor affecting you, the (would-be) writer, is seeing yourself as a writer. This is probably because we associate the job of writing with the great minds (Shakespeare, Borges, Hemingway, you name the author), so it is of course difficult to imagine that what you write may be worthwhile, may capture the attention of a reader. Because, as readers, we try above all to feel, not to analyse. Likewise, when we write we are not aware of the literary elements we are using, all this is for the literary critic to detect. When we write we do so out of feeling, out of some impulse, out of some idea we wish to express. So, when the reader reads, their first experience is the impact of emotion, to move later on to intellect, in an act of ‘intense narrative abstraction.

So your first task when attempting to write would be what we might call ‘getting the cops off your back’, i. e., getting rid of the voices you hear inside yourself, telling you, ‘Now, look who can write!’And how do you accomplish such a difficult task? Simply by taking a slip of paper and writing down the name of the person who is holding you back from writing: it could be a (former) teacher, a friend, a spouse, even yourself! If there is more than one voice pestering you, write their names on separate slips of paper, put them in an envelope and take it out of the room where you are writing. This is the first exercise I ask my language and literature students to do when we embark on a writing project, and I guarantee it works wonders! Incidentally, when I enquire about the name(s) they have wrapped up, it is always my name that comes up on top of the list. What worries them is what I might think about their attempts at writing, they have confessed to being afraid of disappointing me. And I always tell them a writer is not supposed to please anyone but him/herself. If you write, say, a short story to please your literature teacher, it will most probably make a poor read, and you will attain an undesired end, i. e., boring your teacher to death! Why? Simply because your story will be empty of the passion mentioned above; it will be a wishy-washy piece of writing that will not involve anyone, will not knock anyone off the chair.

Take a few seconds to reflect upon a story that (has) had this effect on you. I am certain that you will agree with what Mark, Josephine and Esther Harris say in their inspiring book. ‘We love the sound of a good story, its rhythms, its excellent phrases, the very words themselves. Maybe we can never know precisely what the story is “about.” It just is.It sounds. This, too, is what the writer may have felt: it sounded right. If you asked me which story I would select, I would answer What a Thought,by Shirley Jackson some years ago, and at this moment of my life anything written by Tolkien (but I find some of Tolkien’s critics unreadable!). With this I mean to say that it is very difficult to answer certain questions as Which are the best stories you have read?, because both reader and writer are part of the process, and the reader does not exist in a vacuum, either. I would also like to make another point here. Although the stories I selected were written by great minds, do not worry if yours were not. You can include the Harry Potter series if you like! We should never be ashamed of our literary affections, and always avoid rigid categories and ranks; ‘consensus is not the goal of literature.

Now that you have taken the cops off your back, you are ready to start. So the question at this point is,’What do I write about?’ It all depends on the writer; some prefer writing about what they know, some about topics they are not familiar with, in order to expand their horizons. When I wrote my first (published) story, I did it to enter a contest, which I later won,to my surprise. Why was it surprising? Because on that occasion I wrote about people I know, and I did not expect the jury to be interested in a confession on paper. But there you are again, I suppose the decision was based on two criteria: ( a) it must have engaged them emotionally, some of them must have shared my feelings; (b) it was reasonably well-written; after all, I do teach people to write! Remember, they were not ordinary readers like you and me, they were also supposed to pass judgement.

Why is it that reading is frequently mentioned alongside with writing? They go hand in hand because you need to be a good reader if you want to write well. Just as young children learn by emulating the behaviour of significant people in their lives, we learn to write by being exposed to the writings of significant authors in our lives. I should stress the word significant here, as I never read what is not significant to me. That is the reason why I never expect my literature students to enjoy all of my literature syllabus, but I encourage them to make their own selection, which is subject to availabilty of materials when one lives on an island! In my next article I will provide you with some strategies to become an effective reader, as well as with some ideas to start a writer’s workshop, which might be useful to introduce you and your students to different forms of writing.

At this point I should mention two other elements a (prospective) writer needs; one is easy to get, the other might be somewhat harder if you are a busy adult. You will then need: (a) a notebook, which in my case is small enough to carry in my pocket; what do I scribble there? Notes about interesting people and situations I observe around me, possible titles for my stories, and sentences or phrases I overhear. And (b) time.Time to record ideas as they come to you, time to plan, time to write and to rewrite. Time, that is, for the sustained effort and craftsmanship that are essential in writing well. But finding the time to write is possible if you learn to organise your daily schedule and leave no more – and no less – than forty minutes per day to write. That is all that is needed provided you do not have to meet a deadline and you are behind! So, let nobody persuade you that writing is an impossible task; what you should always bear in mind is that it is learned by writing, rewriting, and by perceiving yourself as a writer.

R. Sebastian Gibson


If you really want to reduce estate taxes in California, it doesn’t matter whether you live, Mission Valley, La Jolla, Del Mar, Cardiff, Solana Beach, Carlsbad or San Marcos, for instance in San Diego, CA, or Newport Beach, Huntington Beach, Newport Coast, Crystal Cove, Laguna Beach, Irvine, Anaheim Hills, Yorba Linda or Corona del Mar as an example in Orange County, California, Rancho Cucamonga or Ontario in the Inland Empire, or even in Palm Springs, Palm Desert, Rancho Mirage, or La Quinta in the Coachella Valley. Trusts are a useful tool for estate planning lawyers to reduce probate expenses and estate taxes for individuals anywhere in California or the U.S. as long as you have a sizeable estate.

 

 

 

The current estate tax in 2008 affects only people who die with an estate in excess of two million dollars. In 2009, that amount will increase to three and a half million dollars and in 2010, the estate tax is repealed. That’s the good news.

 

 

 

If, however, the estate tax repeal is not extended by 2011, the estate tax will kick in again. The worse news is that in 2011, if the estate tax repeal is not extended, the estate tax will kick in at one million dollars. The current federal estate tax rate is a whopping 47 percent. That stays the same in 2009 but is repealed in 2010.

 

 

 

For married couples, it’s when the second spouse dies, that estate tax can be a problem. When the first spouse dies the property passes to the surviving spouse tax free. Not so, when the second spouse dies.

 

 

 

One of the most important changes in estate planning is what happens to the basis of inherited property. Currently, when you inherit property, your tax basis when you sell that property is the market value of the property on the former owner’s death. The basis for that property is thus stepped-up to the value on the former owner’s death as opposed to the value of the property when the former owner bought the property.

 

 

 

This rule will also end in 2010. From then on, if you inherit property, you can use the stepped-up basis only for the first 1.3 million worth of the property. For any excess value, the basis will be the former owner’s basis or the value on that person’s death, whichever is smaller. Thus, there will need to be estate planning on which assets to take this stepped-up basis.

 

 

 

If you have an estate in excess of $2 million, one of the best ways to avoid estate tax is to give some of your property away now. You can make gifts of $12,000 yearly to any individual you choose, and to as many individuals as you choose. Couples can give twice that amount yearly to any individual. Any gifts you give to your spouse, so long as he or she is an American citizen, are tax-free. If your spouse is not an American citizen, the current tax-free amount on gifts is $12,000. Annual gifts are based on a calendar year.

 

 

 

Estate planning is exactly what the name says, a way to plan your estate so you can cut your estate taxes. However, to make the right moves you have to keep up on the changes in the law, which an estate planning attorney is able to do. 

 

 

 

If you have a trust, will, or estate planning issue in San Diego, Newport Beach, Irvine, Orange County, La Jolla, in the Inland Empire, Los Angeles, Palm Springs or anywhere in Southern California, we have the knowledge and resources to be your Palm Springs Estate Planning Lawyer and your Newport Beach Trust Attorney. Be sure to hire a California law firm with estate planning and trust law experience who can serve areas such as Los Angeles, Palm Springs, Palm Desert, Anaheim, Irvine, Beverly Hills, Malibu, Newport Beach, Beverly Hills, Carlsbad, Corona del Mar, Laguna Beach, Huntington Beach, Santa Ana, Rancho Cucamonga, Ontario, Fullerton, Del Mar, San Diego, Orange County, San Luis Obispo, Buena Park, La Jolla, Oxnard, Ventura, La Quinta, and Santa Barbara so you are properly represented and get the compensation you deserve.

 

 

 

If you have a trust, will, or estate planning issue of any kind, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.sebastiangibsonlaw.com  and learn how we can assist you.

Eren


HOW TO WRITE A LETTER: WRITING PERSONAL & OFFICIAL LETERS & NOTES FOR ALL OCCASIONS

(Based on author’s site www.geocities.com/ltrhw)

Writing letters make popular. Letter writing ability is easily acquirable. Knowing how to write letters for all occasions is useful. Writing letters is not difficult. It is easy to learn how to write letters. This is on how to write formal letters, social letters, notes, what to say in private letter writing -writing personal letters.

Writing letters communicate best. Letter writing is joy to loved ones apart. Telephone calls are never enough. They like also to receive, write letters. Personal letters can be re-read. People in love write letters. Writing letters is dreamy. Boys who write letters are popular. Girls love receiving letters. Writing letters get one remembered when not together or telephoning. Family members away like to also to receive, write letters. Friends away like to receive, write letters. Pen friends write letters. Letter writing is communication, essential literacy –and it’s fun.

One writing letters can take one’s time to think of all the things that one can not remember when together or telephoning to say. In business writing letters clarify. Personal letters are keepsakes. Some things are said easier by writing letters, some better by not writing letters but notes. Writing letters are pleasing, effective. Notes can be nice. Here is how to write a letter, personal letters.

Letter writing, whether by post, fax, or e-mail falls into three categories. In each letter writing category the approach is different. How to write a letter depends on why one is writing a letter.

… Personal letters are often letters to family members, boyfriends or girlfriends, friends or pen friends -often friendly letters.

… Semiformal letters are often routine letters to e.g., order or return goods, instruct on delivery, or to confirm or request information -acquaintances also sometimes write letters semi-formally.

… Formal letters are often non-routine. Writing a letter formally implies officialdom -most seldom write letters formally.

Letter writing scares many people. Many don’t know how to write a letter or note. The following all there is to writing letters.

>>> Writing Personal Letters

To write letters to loved ones, friends away please. They like news about you, personal letters –especially if you write letters interestingly. Write letters cheerfully. Write a letter to cheer up. When you write a letter appreciate, praise, credit them. Write letters as if who you are writing a letter to is there, you are talking: “Oh, this tea’s cold! Anyway, I decided to write a letter…”

In writing personal letters, how intimately you write a letter depends on what is acceptable to who you are writing the letter. Unless you know it’s all right, don’t e-mail, fax or post loved ones or friends personal letters at a workplace; it may embarrass, cause problems if others see your letter. Privately communicate letters.

Letter writing is easiest when one is writing personal letters. If you can’t think of much to write in your letter other than “Hi!” or “I’m well…” and “How are you?” (which always pleases), don’t postpone writing your letter. A glance at a newspaper will show interesting things to write in your letter. When you write a letter do gossip -it’s liked in personal letters. Remember this when writing personal letters. Be interesting when you to write a letter.

In letter writing it matters: include a joke or two in personal letters. Loving or funny verses please in personal letters. When you write a letter remember: in personal letters a picture of you delights. In writing letters, if appropriate, drawing a flower, heart, kiss makes personal letters loved. Write letters that ask opinions of persons you write personal letters to, even if it’s only “Good, huh?” or “Nice, don’t you think?” Such letter writing makes you interesting, popular with those you write personal letters to.

>>> Writing Semiformal Letters and Formal Letters

In writing a letter keep to the point. Letters in these categories are often short letters about personal dealings with businesses, e.g., to instruct a bank to make or cancel a regular payment, or query a return, refund, or a job. They may be long, detailed letters but still simple, easy to write letters. When you write a letter keep a copy.

>> Letters received can be, e.g., asking you to confirm something.

When writing a letter replying to such letters write your contact details at the top right corner of the letter, their address at the top left corner of the letter; add the date, and their letter’s reference.

In your letter address them as they have you. Begin the letter by stating their letter’s date, e.g., “Thank you for your letter of ….”

Continue the letter, in a new paragraph. Be brief, simple, e.g., “This is to confirm that …” End your letter as ended their letter.

>> Letters sent to businesses to complain, request information, apply.

In writing a letter to a business, address, date your letter, state their reference as above. If you know the name of the person you are writing a letter to, begin “Dear Mr./Mrs./Miss./Ms. …” If not, in your letter address the reader as “Dear Sir/Madam” or “Dear Sirs.” Ensure to state under it their order/invoice number. Keep your letter simple. When writing business letters, if began ‘Dear Mr. …’, end “Yours sincerely”; if ‘Dear Sir’, “Yours faithfully.”

> Letters of complaint are important. Before writing a letter of complaint, if annoyed, cool off -make tea, telephone friends. You are writing a letter to get a desired response -you are less likely to if you write an angry letter. Businesses in writing letters like to appear fair -business letters try, when you write a letter politely.

When you write letters of complaint say what is wanted clearly, simply, e.g., “I have not yet received a refund for … I enclose a copy of the returns-note/receipt. I look forward to hearing from you.” Add any enclosures to the letter of complaint. Keep copies.

> Letters requesting information can be personal letters but must be clear. Write a letter simply ask for the information want. In writing letters requesting information on subjects you don’t know much about, it helps to end your letter “… and any other details you may deem useful’. Writing letters so brings more information.

> Letters of application for a job or a grant should have wider margins for reader-notes, and bear in mind any closing dates. When you write a letter of application briefly emphasize how you meet the criteria. Say ‘available for interview’, and do print your name.

>> Letters to officials may need to be long, detailed; but writing letters that are so is easy. You may have to write letters arguing with business or official letters received; or to explain, detail, enclose documents; or write a letter to summon a politician’s aid.

Writing letters that are official does not require high literacy. Not high literacy but method involves writing letters that are official.

When you write a letter to deal with letters requesting specific details and documents, in your letter simply respond in the order they are listed. Where business letters or other official letters request details generally, or if you are initiating correspondence by a writing a letter, first draft your letter -it helps in writing a letter.

Letters are easily, best drafted thus: For your letter’s rough copy use lined paper. Draft your letter in pencil, leaving every other line blank. Jot down and number the points you will raise in the letter. Then stop working on your letter.

Take a break from writing your letter; do something unrelated to writing a letter. You want to write a letter to make those points. Let your mind ‘digest’ the points you will raise in your letter.

Later look at your letter again, put other points that occur to you on the blank lines. Re-number the points of your letter as you think logical. But don’t hurry up to write a letter, yet. Sleep on it.

Then look at the draft letter, amend as necessary, write your letter.

Begin your letter by stating clearly what you want. End the letter briefly, simply, clearly repeating what you want.

When letter writing ends, enclose copies of any documents in the order of your letter’s points -number, list them if they are many.

How to write a letter that is complicated is that easy and simple -that makes seemingly difficult to write letters easy to write letters.

>>> Writing Personal Notes

Unlike writing letters, notes are informal -sometimes important.

> Routine notes may not be important: “Your dinner’s in the oven,” or to the milkman: “Two bottles today, please.”

>> Social etiquette notes that are expected may be important. Many do not write letters to socially invite or let another know that one will attend a party, or to thank another. Instead of writing letters they write social notes -to acquaintances, or strangers. As in letter writing, notes cause impressions to be formed about one.

These brief notes have the same tone as when writing letters informally, but must be courteous and polite. In inviting someone, one example is: “Hi, Nancy.. I’m having my birthday party, on ….., and it’d be so nice if you too could come. Love, Jenny.” Another example is: “Dear Mr. & Mrs. … we are having a house-warming party on ….. and we would love to have you too. Yours, Jo & Joe.” In accepting an invitation one example is: “How nice! See you then! Jenny.” Another example is: “So kind of you to invite us too -we will both be delighted to attend. Yours, Eric.” If you are courteous, polite, recipients will mention you favourably when they write letters, will speak well of you in your social circles.

>> Sympathy notes must be written carefully. These are e.g., get-well notes, sometimes on cards; or, to express condolences to someone who is in mourning -when most do not write a letter but a note.

> A get well note or card, whether to a close relative away and you also write a letter, or on its own, is always more appreciated if one adds a personal touch to it. For example, if to a friend and it is not serious, “Don’t take your time about getting well -we haven’t finished our chess game yet…”; if to a friend, and it is serious, “I’ll pray for your speedy recovery.” An example, if it is to someone you hardly know and are sending it as the done-thing in your social or business circles, is: “I will look forward to hearing of your recovery from mutual friends and colleagues.”

>In bereavement cases never try to cheer up in a sympathy note with a joke; however well meant, in one’s grief it may be deemed unfeeling, inappropriate!.. Leave the comforting to the mourner’s loved ones from whom more than a sympathy note is considered appropriate! Be, or appear, sincerely saddened by the loss. Clearly state so: “I am saddened by the news of …’s death.” Say: “I am so sorry to hear of your loss.” Show so by emphasizing it, e.g., “… he/she will be greatly missed.” Unless a loved one writing a letter too, if you don’t attempt to comfort, it will be appreciated.

>> Notes to loved ones matter most. On an anniversary or birthday greeting never be satisfied with what’s on the greeting card. Even if to a loved one away and accompanied by a loving letter, always personalize the card with a few words of your own, e.g., “Miss you!” or “Love you!” or “Take care.”

The feelings of parents are -from a poem by the Cypriot thinker writer poet teacher the late Orhan Seyfi Ari:



“With us he was, in our nest, only yesterday…

How quickly has he grown wings, like a bird, flown away!”

 

As in personal letters, it shows that you are not greeting as the done thing -that you care.

Anyone can write a letter. Family/friends away appreciate letters.

The author has a website at: http://www.geocities.com/eoa_uk

Eren


REPORT WRITING – HOW TO STRUCTURE AND WRITE REPORTS

(Based on author’s site www.geocities.com/rptwr)

Writing reports: why write reports, structure in report writing, how to write a report.

Report writing skills are sought after. Knowing how to write reports is useful. The techniques of writing reports are simple.

Report writing is in daily use. Writing reports is involved at school and at work. Students have to write reports. Writing reports is part of a teacher’s job. Report writing is routine in the public and civil services. Before a law is passed a select committee writes a report. Business executives write reports.

Employees and students find it difficult to write a report. If they have to write a long report they get confused. Keep your cool ~do not end up as in one of the anecdotes of the Cypriot columnist and teacher the late Orhan Seyfi Ari, about a radio broadcast of a boxing match between Abdi and Bandinelli annoucing the winner as Abdinelli -do not get excited. Learn the techniques of writing reports.The techniques of writing a report are easy to learn. Report writing is not difficult. Writing reports is easy -whether short or long reports.

Here is how to write a report: the techniques of report writing…

In report writing we need to know: What is Report writing… The Object of Writing Reports… How to Write a Report. Then writing a report becomes easy -we can write a report…

What is Report Writing

Report writing begins with being asked to write a report. Reports are almost always asked for, and are documents – short or substantial in size. Writing a report is examining a given problem or issue and suggesting a practical solution.

The Object of Writing Reports

Writing reports is for a purpose. Report writing must not defeat its object. When you are asked to write a report, you are provided information. You are expected to competently analyse that information, draw consistent conclusions, and make sensible and practical recommendations in your report.

Before writing a report you must be clear on your brief. You can not write a report usefully without being sure of its object. In writing reports it helps to also clarify the information provided. Report writing can fail in its object by the assignor assuming that you have some of the needed information. Be absolutely clear of the object of the report, and of the adequacy of the information you have, before writing reports. the object of writing reports is to offer directly related suggestions.

In report writing bear in mind that the assignor may have incomplete information affecting even the object of writing the report. In Britain only after one & a half months of preparations to set up a national lottery to be run by the government was it discovered that in English law it had to be contracted out. You may be told “You should’ve asked!” Beware, in writing reports.

The object of writing reports is so dependent on relevant information that the Xerox corporation had set up a village for years for its researchers to obtain adequate information before writing reports on the future effects of computer data storage media on use of photo copying machines and paper.

When you are asked to write a report, while do not assume the role of a researcher, do be clear on what is wanted and of the information provided. The object of report writing is to find practical solutions to issues of briefs to write reports on.

How to Write a Report

Having clarified the issue on which you are to write a report, and the information necessary for your writing a report, you need to ensure the essential in report writing: consistency.

For this, use the techniques of writing reports. These are: Preparing to Write Reports… Presentation in Writing a Report.

You cannot write reports consistently without data preparation. Presentation in writing a report helps show its consistency.

Preparing to write reports: If the issue is detailed and you are writing a report that is substantial you may choose to use specialist computer software. Else, this is a must in such report writing: List different data on separate sheets of paper in a ring-binder -to arrange or re-arrange easily and logically as the data for the report you are writing accumulates.

Presentation in writing a report: Report writing techniques of presentation involve: structure, enclosures, index and title.

>>> Structure in report writing:-

1. Begin with a brief summary of the main points of your report. Enable the person who you asked you to write the report, at a glance, to see the gist of it.

… In the first paragraph briefly tell what the report is going to tell. If you are writing a long report, use a separate page.

2. Then, in telling what you said your report was going to tell, keep the detail logical, clear and simple -easy to read…

… If writing a technical report don’t clutter it with statistical-data, tables, graphs. If such make a report difficult to read attach them as enclosures or appendices, refer to them. In writing long reports use dividers, colour-tags -too many irritate.

… Do not use jargon in report writing. When writing a report be direct and specific -write a report that is easily to comprehend.

4. End reports as begun. When writing reports, end them, again, with a brief summary of the main points. Tell the report’s reader, briefly, what you have told in detail. Write reports with endings that enable every person you write a report for at a glance to see the gist of the report’s main points.

>>> Enclosures in writing a report:-

5. When you write a report ensure that each enclosure is clearly marked, easily distinguishable from others attached.

… In writing the report refer to each enclosure as marked.

… Attach the enclosures in the order referred to in the report.

>>> Index in writing reports:-

6. After you write a report add an index -or a ‘contents’ page.

… Do so after word-processing the report with page numbers.

>>> Title in report writing:-

7. When you write reports you need titles-pages for them.

… The title-page should be the first in the report you write.

… In report writing the title page contains: the title of the report, the date finished writing the report, and the reference number (if any) of the party who asked you to write the report.

These techniques of writing reports ensure easy report writing.

The author has a website at: http://www.geocities.com/eoa_uk

Luke Ashworth


Many Britons are becoming increasingly worried that their wills could pass on their debts from one generation to the next.

With the cost of residential care rising and the expected lifespan of adults increasing, many young Britons fear that they will inherit their parents string of debts.

The costs of care homes has risen and this has caused concerns for many families who may end up stuck with the expense of paying for the care of their parents or other family members.

With people struggling to keep up with mortgage repayments and debts of their own, many young families shy away from being mentioned in their parents’ will.

A recent report from Key Retirement Solutions showed that one in four British people that are either retired or nearing retirement could be taking with them a mortgage of £31,000, that debt hardly has a chance of being paid off in the remainder of the lenders life meaning it will be passed on to another family member.

Mortgage debts among retirees are worth £98 billion collectively and with the average age of retirement now between 60 and 64.

The amount increases to over £37,000 each in the over 70s group with the average mortgage debt currently 27.5 per cent higher than in any other age group.

As young families take on bigger and bigger debts of their own there are very few who end up banking on a future inheritance to help them clear their financial future and pay off credit card and loan debt. Because of the increase in debt among the elderly many young people now view the concept of inheritance differently.

Figures show that more than one parent in four over the age of 55 has not told their children about their will. More alarmingly so, many of these people have no intention of sharing the information of the contents of their will with their family before they die.

This leaves families unsure whether they will need to consolidate debts of their own with those of their parents at some later stage. Whether you are young or old, rich or poor, a will is a useful and often helpful document in dealing with the deceased’s finances.

If the spouse is still alive, he or she is still on the hook, otherwise, the estate must pay off the creditors.

The credit card company will first try to collect from the estate, if the account was a joint account, any survivors will be left holding the bag. If the debt belonged solely to the deceased, then the credit card company will end up wiping the debt if there aren’t enough assets to cover it.

Debt after death of a loved one is more common than people think. The average cost of a funeral can be well over £1000 and many people can get into debt because they have insufficient funds to pay for funeral expenses.

While there are many schemes that people can now pay into in order to finance a funeral, most won’t take up the opportunity as it is seen as a morbid way of saving. Also, most funerals have to be paid for prior to getting paid inheritance from a will.

The UK Insolvency Helpline can offer the support of counselors through the difficult times surrounding debt after death. The debt after death unit is able to offer debt advice to people suffering from debt after death in ways including benefits available to surviving parent, or guardian, claims, compensation awards, compensation claims for damages, criminal trials, death of a child, funeral payments, pensions, tax and benefits.

Clint Jhonson


Funeral bills will start around $6,000 and rise from there (and this is just a basic funeral). While your family will want to give you the best they can, they will be helped enormously with financial costs when you have a funeral insurance policy in hand. Unfortunately, you may not be able to rely on life insurance to pay your financial bills at the time of the funeral. Since most funerals are paid for at the time of death, or shortly thereafter, there has not been enough time for a life insurance policy to pay out (this can take months to years if there is a problem).

Coverage Under Funeral Insurance

Funeral insurance provides your family with a payout at the time that you die. The payout is strictly used to pay for funeral costs, including burial costs. There are a number of different plans available to choose from, but most plans will accept anyone between the ages of 15 to 80 into them. There are no health or blood checks done on you. In addition to this, the overall costs are low, sometimes a few dollars a week. The amount paid out can range widely, but most plans pay about $15,000.

The general funeral insurance plan can have various components to it as well. For example, some plans offer discounts if more than one household or family member is on it. Single and family plans are available, with some family plans offering discounts of up to 10 percent for the second individual.

In some funeral insurance plans, accidental death, such as when you are involved in a car accident, can result in more of a payout, up to double the costs of a standard payout.

Questions for Your Provider

When talking to your provider for funeral insurance, there are a number of questions to ask them.

• How do premiums change over time? Stepped up premiums are common. These start at a lower level and as you age will increase. Level premiums start at a higher level but do not change over time.

• When are premiums paid? Some funeral insurance companies allow you to choose how often you pay for your insurance. This is often every month or on a fortnightly routine.

• What about inflation? Some funeral insurance policies will provide you with coverage that will grow with inflation. Be sure that your plan provides this type of protection.

• Be sure you fully understand the funeral insurance plan prior to getting in on it.

Ways to Save on Funeral Insurance

To save money on funeral insurance, there are a few things to do. First, get quotes from several insurance companies to compare what they are offering (especially the amount of cover and limitations). You will find a large range in pricing for premiums across the board. In addition, many companies have higher or lower cover amounts, which will affect your price as well.

Also, consider an accidental death period. Some policies provide a 12 month or 24 month accidental death period in which there is no payout for those first months of service. Yet, you should be able to get back the premiums you have paid in. This will give you a lower premium cost during those years and beyond.

Don’t forget about inflation. Some policies will not change over time, which means that $15,000 today may still be just $15,000 in ten, twenty or more years (even though funeral expenses have doubled). Ask about a money back guarantee for a limited time if you change your mind.

Beware Before Signing

Prior to signing the contract for a funeral insurance plan, do your homework. Know the average cost of the type of funeral you would like and be sure enough cover is provided. Also, find out what limitations, if any, are placed on how the funds from the policy are spent.

Additional Coverage to Consider

While funeral insurance provides your family with a way of handling the costs of your funeral directly, it is not a life insurance policy. If your family is dependent on your income at this time, then you should have a quality life insurance plan in place which will help them pay their mortgage or other debts without worry.