Archive for September, 2009

 

"the Reason One Writes Isn’t the Fact He Wants to Say Something. He Writes Because He Has Something to Say" -

Friday, September 25th, 2009
tatar job


A lot of people over the years have asked me “Why do you write?” I used to simply reply with “I write because it is just something I do… Why do I write? Well why do you breath?” Then one day, I got thinking. Why do I write? What sense of pleasure do I derive from it? I came up with a few reasons WHY I write and WHY everyone should at least attempt to write, even if the quality turns out to be not so good.

I have found that writing keeps me sane. Through tough times writing has been my rock. It has given me a medium to express myself. Writing is unique and different for everyone and people write in different ways. Some people write poems that rhyme, some write poems that don’t. Some write stories, some write simple sentences. Some people write music, others write songs. Some people write their feelings, and some people write about nothing in relevance at all. But still, we write.

Expressing yourself in any way is a good thing. The arts are very helpful for this. Through an art we can tell a story, we can SHOW people what we want to tell them. Writing is my art, It helps me express who I am. I find it hard to talk about my feelings face to face with someone but give me a pen and paper and I can turn my inner most feelings into words, transform them into something that they will understand. Through a pen I’ve got my voice.

The great thing about writing is that anyone can do it, regardless of culture, language, native tongue. We don’t even have to show what we write to anybody, but seeing something on paper can help to organise our thoughts.

When I was very young A wise person told me that if I was ever really mad at someone, before I act I should write it down. I should write how I feel and why I feel that way. Then once you’ve vented all your negitive thoughts onto paper you will feel much better. You find that you were irrationally mad or ticked off and there won’t be any tention because you didn’t march right over there and give that person a peice of your mind. You simply wrote down how you felt

This peice of advice has been helpful to me, because many times I have rushed to conclusions and in retrospect, I see that the fault was my own.

 ,.

All of famous quotes have come from someones free thoughts. Martin Luther-Kings “I have a dream”, William Shakespeares “All the worlds a stage” , Einstiens “Theory of reletivity” and even that cute quote whos author remain anonymous. All great things are born of someones free thought.

So, to answer the question, “Why do I write?” I write to be freed. I write to clear my mind. I write to have my say. I write to express myself. I write, because it makes me happy.

I think that everyone should try to give writing a go. It doesn’t have to be good, and it doesn’t have to rhyme, just write your feelings, express yourself. Let yourself go, free your inhibitions and you might surprise yourself with what you can come up with.

I’ll leave you now, with one of my favourite quotes:

 



 

Estate Planning Part 10 – What is Administering the Estate in Estate Trustee ?

Tuesday, September 22nd, 2009
Kyle J. Norton


Estate planning is the process of accumulating and disposing of wealth before death of individual or a group of owner known as estate owner including married couple. It aims is to maximize the wealth of the estate owner. The most important goal of estate planning is to make sure that the greatest amount of the estate passes to the estate owner’s intended beneficiaries while paying the least amount of taxes. In case there is no will, upon the death of decreased person then decreased asset will be administrated by estate trustee.

I.Definition

Estate trustee is someone who appointed by the court to administrate the decreased assets after an application is made by one of the next of kins to the court in case of no will.

II. How it works

1) In case of no will, upon the death of decrease, one of the next of kin who is over 18 year of age and nominated by majority of other next of kins to the court for appointment of the applicant as a estate trustee.

2) It is time consuming, since the court need 2 to 3 weeks for this appointment.

3) The applicant is approved by the court to administrate the asset of the decreased person is known as estate trustee without a will.

4) The applicant who will become estate trustee with out a will may need to be bonded by 2 persons. Normally, it may require to be handled by professional lawyer office.

5) The administration and distribution of decreased assets will have to follow the State or Provincial laws.

6) All assets in joint tenancy with the right of survivor will automatic go to the surviving person.

7) The administration of estate trustee with out a will may be costly because of inexperience and sometimes may request the help of professional lawyer.

In case of no agreement between next of kins of the decreased person to nominate one of the next of kin to become estate trustee, it may increase complexity of decreased assets administration. The court in such case may appoint a public trustee to handle the asset distribution according to the State or Provincial law.

I hope this information will help. If you need more information or insurance advices, please follow my article series of the above subject at my home page at:

http://medicaladvisorjournals.blogspot.com

http://lifeanddisabitityinsuranceunderwriter.blogspot.com



 

Estate Planning Part 08 – What is Estate Settlement

Monday, September 21st, 2009
Kyle J. Norton


Estate planning is the process of accumulating and disposing of wealth before death of individual or a group of owner known as estate owner including married couple. It aims is to maximize the wealth of the estate owner. The most important goal of estate planning is to make sure that the greatest amount of the estate passes to the estate owner’s intended beneficiaries while paying the least amount of taxes. Choosing an executor is importance to ensure that someone who you trust will help to perform duty of estate settlement upon your death.

I. Definition

Estate settlement is also known as estate administration. It is the form of handling the decreased person assets by an appointed executor or executors. If the deceased did not leave any testamentary dispositions then the dispositions can be proceeded.

II. How it works

Estate settlement includes the following

a) Testamentary dispositions and will probated

Written, holographic will will have to apply to the court for probate before assets can be gathered by the executor and only most recent will has legal value. If the deceased did not leave any testamentary dispositions then the dispositions can be proceed. Any testamentary trust in a will must be closely examined and resolved.

b) Notifying public

The purpose of this notice is to inform the heirs, creditors and debtors to the estate of the existence and identity of the liquidator.

c) Inform the federal and estate or provincial governments of the person’s death.

It is necessary if the decreased person is receiving pension incomes from the federal and estate or provincial government

d) Identifying the beneficiaries

c) Gather all decreased person documents

All documents are gathered including life insurance policy, birth certificate, decree of divorce and other related to decreased person documents. Only the death certificate and the copy of the act of death are legally recognized.

e) Create an estate account

So all assets can be deposited into that account

f) Gather all deceased person assets

All assets including stocks, bond , property, etc. will be calculated if necessary using arm’s length to determine the asset values.

g) Notifying public after all assets of decreased person are gathered

Identifying all debtors, such as credit card debts, personal loans, etc

h) File income tax for decreased person

File income tax, any taxes owed by the decrease should be paid

i) Pay off all debts

j) Other settlement if need

Such as family patrimony and the matrimonial or civil union regime are there for married spouses or spouses in a civil union.

k) Pay out remaining decreased person assets to beneficiaries.

I hope this information will help. If you need more information of insurance or series of articles of the above subject at my home page at:

http://medicaladvisorjournals.blogspot.com

http://lifeanddisabitityinsuranceunderwriter.blogspot.com/



 

Punctuation Writing Software © – Write Instantly Perfect English!

Sunday, September 20th, 2009
Jane Sumerset




Normal writing checking software can’t match the quality of a manual proof read? Wrong. Punctuation writing software can now instantly simplify all of your writing tasks. punctuation writing software can make your life easier in many ways. punctuation writing software can now instantly simplify all of your writing tasks. Punctuation 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.

punctuation 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.

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

For people who must write a great deal, whether for school or work, punctuation writing software can help to teach you to naturally improve your writing. 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. Here are five ways it may be able to help you.

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. Punctuation 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, punctuation 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 punctuation 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, punctuation writing software can help you to communicate faster and more effectively.



 

Planning for That Final Moment

Wednesday, September 16th, 2009
Wayne Miller


So you go through the checklist and make arrangements for your will and your DNR or do not resuscitate so the medical people will know what to do in the event you cannot be brought to consciousness.

But one level of preparation for your final years of a very full life that you may not have decided about is funeral preparations. Many funeral homes sell packages where you can pay for your casket and much of the funeral expenses well in advance. This is very appealing because you can think ahead about how you would like the funeral to go and select the casket and make arrangements so there is less guesswork for your family and loved ones if the moment comes up too quickly.

That is the real appeal of preplanning all aspects of what might happen when your final moments come. You do not want to leave your children to have to try to figure out your life insurance, your estate issues, your will and your funeral if your demise comes along suddenly. Most of these preparations are pretty cut and dried and you want all the paperwork in order, legal and the person assigned to resolve your estate informed and legal so there is no time lost on getting things the way they should be if the moment were to come.

The big step of pre-buying your funeral plot, casket and paying for the funeral in advance is something to give some serious thought to. For one thing, you must be absolutely sure you are in the town where you will want to be buried. Many times later in life, a retired person wants to pack up and move to where the kids are living. That is one of the good things about begin retired and relatively unencumbered by a lot of possessions. If you are living in an assisted living center, the move is just not that difficult. So you do not want to own property, even if it is just a burial plot and have to deal with transferring all of that paperwork to another town if you do move with your kids.

But the compelling reason not to put money into a funeral arrangement package is that funeral homes are not great at managing those funds. There have been plenty of stories come out of late of mismanagement of funds buy funeral homes. Or if the company owning the funeral home is bought, many times the new company will not honor your contract with the previous owners and your relatives find this all out just when they least need to hear about problems.

A much better option is to take the same money you would have put into funeral arrangements and put it into a trust set aside just for this purpose. You can name who you want to have access to the trust and even write out in specific detail what you want the money used for and how you want the funeral to go. That form of living will or ethical will gives your relatives the resources they need to conduct your affairs and the directions you want them to have. But they have the flexibility to pick the funeral home and buy the plot that seems right at the time. The money can accrue interest and it is secure because it is still owned by the family right up until it is needed.

The desire you have to get your final arrangements arranged is a good one. But thinking through some of the problems that can come up if you do too much prearranging gives you the wisdom to make the right choices so you can enter your retirement years knowing that everything is arranged when and if, God forbid, the moment of your departure comes along.



 

Making Biodiesel Is Much Easier At Home Than What You May Think

Wednesday, September 16th, 2009
Marlon Dirk


As each day passes, and the price of gas continues to increase and our reliance on gas becomes much greater, there is a small group of individuals that have started creating biodiesel fuel at home, these individual use this as a way to free themselves of the mysterious energy crunch that is lurking right over the horizon. Biodiesel, as an alternative fuel source is really hard to beat because of how easily Biodiesel can be made and the positive effect that it promises the environment.

If you are interested in making biodiesel fuel, in order to create biodiesel, you are only going to need two different things, a biodiesel processor and an abundance of vegetable oil. The vegetable oil may be virgin or fresh oil created from corn, soybeans, mustard, sunflower oil, and flaxseed. All of these are considered to be renewable resources which are grown upon farms all around the country. You may also use some vegetable oil that has already been used. There are several of the biodiesel producers that get all of their raw materials from the grease dumpsters at restaurants because most restaurants are more than happy to pass grease off.

However, you should also know that there is ongoing research associated with using algae that is sewage grown that is used within the refining process. Some of the animal fats like lard and tallow are being used as a raw material as well for the production of biodiesel. All of this fat, oil, and grease is going to need to be processed within a specialized processor that removes any of the contaminates before it even refines the oil into biodiesel. The majority of the processor isn’t all that large and they can easily set-up within a shed located in your backyard.

You may purchase the processors already made from a variety of different internet websites and then have them shipped right to your front door or you may purchase a kit and then assemble it yourself. If you would like you are also able to build one on your own by using materials that you are able to find locally. In addition to the plans for doing this, there is also a list of materials that are also able to be found upon the internet.

No matter which route you decide to choose in order to set up your processor at home, it isn’t going to be all that difficult. All you have to do is follow all of the instructions closely and then heed any of the safety precautions before you start to process your biodiesel fuel. You are going to be refining oil that requires extremely high temperatures so there are certainly going to be the risk of burns.



 

TYNEHAM GHOST VILLAGE

Monday, September 14th, 2009
loic1980


grow up and inherit the manor house. Born in 1922 at Chideock he moved to Tyneham with his father in 1937 after his grandfather’s death in 1935. The two-year gap is apparently because the house had to be let out for a short while to pay death duties. Mark left Eton in 1940 and joined the rifle brigade. He saw much service and was wounded, captured and re-captured, seeing his wartime out in a German POW camp. Having taken his place in our armed forces and given King & Country 20 years of his …

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Funeral Planning : How to Pay for Funeral Expenses

Monday, September 14th, 2009
eHow


The price of funerals can vary dramatically depending on a family’s personal choice and the funeral service. Pay for funeral expenses, and pay attention to visitation duration, with help from a licensed funeral director and embalmer in this free video on funeral planning. Expert: Steve Spann Contact: www.guptoncollege.com Bio: Steve Spann is the president of John A. Gupton College, which provides a professional curriculum in the funeral arts and sciences. Filmmaker: Dimitri LaBarge…

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Catherine Whitaker talks about making a Will

Monday, September 7th, 2009
timothysimonroberts


Catherine Whitaker of Field Seymour Parkes Solcitors in Reading explains why you should not put off making a Will.

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The Role of an Estate Planning Lawyer and His Tools

Friday, September 4th, 2009
Adam Tobin


How do you protect your assets and independence during your lifetime as well as clearly guide and protect your family after your death? Consult an Estate Planning Lawyer. It is important to consult with an estate planning attorney to ensure you not only have a plan established, but that your plan is valid and recognized under the current state laws.

An estate planning lawyer will help establish a power of attorney, living trust, and a health care proxy to protect you in your living years. The attorney will also work with you to establish a will and/or testamentary provisions within your living trust to protect those you leave behind. These measures can prevent your property from being distributed according to the provisions of Massachusetts intestacy statutes. Consequently, if these statutes are controlling your situation it means you have lost control over who receives your assets and who is appointed your children’s’ guardians.

Power of Attorney

The Power of Attorney is a legal document which authorizes another person to manage your financial affairs. There are two types of powers of attorney. The first is a general durable power of attorney which gives power to another person known as an “attorney-in-fact” immediately. The second is a springing power of attorney which gives power to another person known as an “attorney-in-fact” only at the time which you have suffered a physical or mental incapacity. By having a power attorney drafted by an estate planning lawyer you can avoid the frustration, delay, and costly conservatorship process should you become incapacitated. The conservatorship process ultimately requires a judge to appoint a conservator who may in fact be a complete stranger to the family.

Health Care Proxy

The Health Care Proxy allows an adult to appoint another adult to make medical decisions should they not be able to in the future. This power includes the ability to decide if life sustaining measures should be taken. By having a health care proxy drafted by an estate planning lawyer you can avoid the frustration, delay, and costly guardianship process should you become incapacitated.

Living Will

The living will needs express his or her desires regarding the use of extraordinary measures to extend his or her life when there is no reasonable expectation that he or she will regain consciousness.

Last Will and Testament

The Last Will and Testament is a tool that allows one to bequeath assets to specific individuals and/or entities, name guardians for your minor children and potentially prevents your property and children from being distributed under the state’s default intestacy statutes. Unfortunately, many Massachusetts residents are unaware that the Last Will and Testament can neither prevent the expense, delay, and publicity of a probate preceding nor can the Will override a beneficiary designation on a life insurance policy, retirement plan, or a joint form of ownership. Therefore, the estate planner should be aware of all retirement plan beneficiaries, insurance policy beneficiaries, joint accounts and review whether a living trust should be drafted in addition to the Last Will and Testament.