Archive for October, 2009

 

Estate Planning Advice From Walters and Ward, A.p.c

Saturday, October 31st, 2009
clarencer


The process of allocating everything a person owns, or his/her estate, is known as Estate Planning, which happens to be the focus of expertise and Walters and Ward. This planning will ease the process of dividing your estate amongst your heirs or loved ones once death occurs. It will save them time, money, and effort, and will make sure that your desires for your estate are met. More details regarding this necessary preparation can be found at walterstrustinfo.com. If an individual fails to prepare, the courts are left to decide where everything goes, which usually leads to a long, grueling, and unwanted process called Probate.

Probate is considered to be a legal process and comes under the jurisdiction of the court. You will need assistance from a probate attorney to pursue the proper legal course but there are some conditions, which has to be met so that the court can get involved. Unless mentioned otherwise in a will, in most cases, the probate court will carry on with the proceedings for disbursement of a decedent’s assets to the heirs or rightful beneficiaries as mentioned in the will. The probate court will oversee each and every aspect of the probate proceedings so that the deceased person’s debts are paid, taxes are taken care of and the assets are properly distributed to the rightful heirs.

Whether the decedent has a proper will or not, if he/she has an estate then it will be probated in the court. But probate is not necessary. The Walters and Ward Law Firm can show you how to avoid probate completely.

The legal requirements of probate can be very costly and extremely aggravating for your heirs. All of this unpleasantness can be avoided by having a living trust, which is realistically feasible only through the assistance of attorneys, like those at Walters and Ward Law Firm.



 

Tips for Pre-planning Your Funeral

Saturday, October 31st, 2009
John Andersen


Today, many people are making the choice to pre-plan their funeral. This is actually a wise choice, for many reasons.

Thinking ahead allows you to plan the service that you see fit. Not only does this help control costs, should you choose to pre-pay for everything, it also relieves family members of this task, during their time of grief.

In truth, one of the greatest benefits of pre-planning your funeral is that it reduces the chance of emotional overspending, which is quite common when family members are left to plan a love ones service. They feel they must buy the best of everything for a proper memorial.

Of course, that is not the case. But unfortunately, there are a few unscrupulous, fast talking funeral providers out there who are only in the business to make a buck. These individuals excel at selling the most expensive products, to grieving families.

Because of these unscrupulous providers, the Federal Trade Commission has stepped in and enacted laws, in regard to your rights as a consumer. These laws regarding burials and funerals vary, from state to state. Before making any purchases, educate you on the goods and services that are optional, when planning a funeral.

If you do make a decision to Pre-Planning Your Funeral, it is suggested that you review your arrangements every few years… in the event that you need to change or revise anything.

When making plans, you have the option of finalizing everything from location to choice of Minister or Clergyman to flowers to casket to even urn and pedestal, should you choose cremation. Each of these items that are notated, in your plan, will be one less item that your family members will have to designate.

Obviously, your funeral plan should be put in writing, to avoid any questions or confusion. It is best to give copies to more than one family member, as well as your attorney.

Many people make the mistake of including their funeral wishes in their will. But many times, the will is not located or read until after the funeral. So, in these cases, pre-planned fuel arrangements can not be carried out.

If you are considering prepayment for your funeral, either partially or in full, there are specific questions you should ask the funeral provider. These questions include:



Are you paying for goods, services or both?

What happens if the funeral provider goes out of business, before services are required?

Can you obtain a full refund, if you change your mind?

And… can the services be transferred to another funeral provider if you move out of the area?



Always ask for a price list, when shopping for funeral goods and services. Funeral homes are required to give you a written price list, if requested.

Don’t be pressured into buying something that you really don’t want. Treat these purchases just as you would any other major purchase. Take the time to shop around, for the best prices.

When planning your funeral, pre-purchase smaller items if possible. For example, if you’ve served in the military consider purchasing a coin rack or flag case, to be displayed prominently at the service.



 

Estate Planning: Before You Begin

Thursday, October 29th, 2009
Robert Valentine


A person’s legacy cannot be measured by one solitary event in his or her life. Rather, legacies, like lives themselves, must be measured as a whole. If you’ve ever taken a step back and examined your own life and legacy, what have you found?

Do you feel comfortable with what you’ll leave behind? How do you want people to remember you when you’re gone? More importantly, how can you make sure people remember you in death, as you were in life? Estate planning has become an important tool in deciding how your life’s work will be viewed. Without it, the courts will decide who gets what. With the proper planning, you decide what individuals or charities receive your assets.

There are a few basic tips to estate planning that will help you formulate a proper legacy. The first, and most basic choice, (but one of the most important), is to choose a financial professional who can help guide you through the process. Estate planning is tricky and by enlisting the help of a professional you help ensure your planning is done properly and efficiently.

The second is a small amount of education. By knowing the basics of estate planning, you have a better idea of what you need to do. Here are a few basic tips on what you’ll need to begin estate planning.

Think Ahead: Before preparing the most crucial documents needed for estate planning, it’s important to sit down and decide who you’ll put in charge to make medical and financial decisions for you. You’ll also want to decide who gets what. Picking out beneficiaries and an executor of your estate are two of the most critical decisions you can make. If you have younger children, it’s also important to decide what would happen to them in case of an emergency.

Know which documents you’ll need: In general, it’s recommended that you have a will, a financial power of attorney, a medical power of attorney, and a living will. All of these documents will designate who will make decisions when you’re gone, or if you’re alive but unable to make important choices regarding medical care or finances. Your power of attorney will make your financial decisions. Your medical power of attorney will be the person you put in charge of medical decisions, while the living will describes the type of medical decisions you want your proxy to make.

Survey your finances: Make sure you know what you’ll owe when you die, including the costs of probate. Subtract that from your assets and make sure you have a general idea of how much money you’ll have left over. By keeping tabs on your remaining assets, you’ll be more prepared to know what you’ll pay in taxes.

Be ready for anything: When planning your estate, you must be prepared in all areas of your life. From medical to financial decisions and everything in between, it can be an uncomfortable subject, especially when you involve your family in the planning. But by working with a financial professional, you make sure your estate is covered from all angles.

In the end, you want your legacy to be protected. By carefully planning your estate, you can rest assured that all of the proper measures have been taken to protect your family’s future.



 

Are You Ready To Make Money Online?

Tuesday, October 27th, 2009
Glenn Mosser


In these tough times there are many who are attempting to earn money on the internet. Budgets are low and stress is high. If you are interested in becoming that successful marketer on the internet, it is exceptionally crucial to realize specifically what you must do as an online marketer so that you will be able to attain your entire prospective. All online business’ want more traffic to earn more money. In addition, if you are just starting on online business what are your goals?  This is YOUR opportunity to make that leap and to take the right steps towards the starting of YOUR business.

 

However, there are five key points you should consider before you take action and start a home based business:

1.            Are you prepared? Why do you want to start a home based business and if you are really ready to do it.

 

2.            Is your home equipped to work from home? You need a computer, an Internet connection, and a selected place to work away from interruptions around the house. You must not have any distractions.

 

3.            Are you regimented? Focus is vital for success. Can you set aside the time to devote to your new business?

 

4.            Are you dedicated? Are you willing to learn new things? To achieve your goals you will have to learn, and set goals.

 

5.            What can you give up to have a home business? Are you willing to give up some family time, TV time to build your business?

 

There have been thousands of people who have started a home based business opportunity on these basic rules that net them steady income, and have a lot of fun.

 

So what are you waiting for? Get started today on the road to your own Internet home business.

 



 

How to Write a Novel – Fiction or Non-fiction

Monday, October 26th, 2009
Martha Jette


A writer’s desire to put words into sentences, sentences into paragraphs and paragraphs into stories is by no means a mechanical process. It is a force to be reckoned with. You can’t create it, if it isn’t in you and you can’t get rid of it, if you’ve got the bug to write. But turning our vivid thoughts and imagination into solid form can be both challenging and inspiring. The style that you use will depend on whether you have chosen to write a fiction or non-fiction work.

 

Before you even start writing your book, it is wise to do some research. Do you know if the topic you have in mind is hot right now? Are there similar books on the market and are they selling well? A good way to find out is by reading newspapers, magazines, newsletter and ezines that cater to writers. Join writer’s groups and forums, as well talk to other people in the writing and publishing field. It is wise to be sure you have a potential audience for your book ahead of time.

 

FICTION WRITING



Fiction writing is base on imagination and if you have a good one, your story will be good. It can also be plot-driven, or based on an idea or concept. The thing to remember as we go through each aspect of fiction writing is that although your story is fantasy, it must still make sense.

 

The next thing to consider is the physical setting of your story. It must be authentic enough to be believed and include everything from scenery, to atmosphere and perhaps even weather. These elements might have a profound affect on the actions or moods of your characters.

 

For instance, does your story take place in a run down factory, a dance hall or spaceship? All of these evoke extremely different images. Then you need to ask yourself, do I want my setting to be simply a background or something more powerful?

 

Choosing the right ‘point of view’ and ‘narrative voice’ for your story is also very important. Writing in the first person, gives the reader the impression that you are personally invested in your story. A third person ‘point of view’ is more detached.

 

Time is another element that must be established. First of all, what time of day is it? Although you don’t need to specifically state that it’s 2 p.m., your story must indicate through other details that it is mid-afternoon. Different time periods immediately create pictures in the minds of readers. For instance, there is a world of difference between Washington in 2006 and Boston in the 1800s.

 

Next, the characters in your story must be considered. Are they the primary focus, rather than the plot? Who is the main character and how will you write your book to show that this person is the most important? A good way to answer these questions is to write down character outlines. Describe not only how they look, but also their character traits (strengths and weaknesses), personality, views and moods.

 

Your main character will be the one who is most affected in the story and/or plays the biggest role. He or she will be the one with the most force of action, the biggest problem, the most painful hurt or seeking to accomplish the most tantamount goal. This is the character that you want your readers to know best, to perhaps identify with and to care about. Then unless you are placing yourself in the story, decide which character will tell the tale. This is the ‘viewpoint character’ and the reader will experience the story through this character’s eyes. It is also possible to have more than one ‘viewpoint character.’

 

Next, consider the plot or story line. How will you let the plot unfold in a natural way and follow it through to the end? Where and at what point will the climax occur? Will there by semi-climaxes as the story moves along and at what points? If you are writing a plot-based story, the intricacies of the plot will be what create the most interesting tale. This, of course, will take some planning. In this case, it helps to write out your game plan ahead of time.

 

Dialogue is a vital aspect of any written work, as it can really bring out the personalities of your characters. It can also serve to fill in necessary information, without just stating it, it can be used to establish the time and place, and also to develop conflicts between characters. Whatever its purpose, writing dialogue is something that can be difficult to create, if you haven’t done it before. Don’t try to recreate actual conversations, as they’ll likely be very boring and annoying. For instance, most people repeat certain phrases and non-words like ‘um,’ ‘aha’ or ‘you see.’

 

I’m sure you’ve heard the term “double speak” at some point. In dialogue, it means that what your characters say and what they really mean are two different things. What are your characters saying “between the lines” or “subtext?” This can happen when one or more of your characters don’t really understand themselves or their own motivation. Showing a different side to a character through dialogue will tell the reader more about him or her than if you just outright said it. Knowing how to write this kind of dialogue can set you apart from other writers.

 

Also if your character has a slang or accent, don’t overdo it. Dialogue should also flow, without a lot of ‘he said,’ ‘she said.’ Also try to intersperse your conversations with associated actions. Finally, always remember to begin a new sentence each time another person speaks and put their words in quotations.

 

NON-FICTION WRITING

 

Non-fiction writing is based on reality, but is not necessarily factual. This genre includes recreations of true stories, biographies and autobiographies found in such things as books, magazines, newspapers, advertisements and reference books. You might also want to write a how-to book. There are many of them out there on everything from how to loose weight, dance, find the right mate and build a birdhouse, how to improve your golf game, learn to dance, read sheet music or improve your Internet marketing skills, start a business and even how to write.

 

Non-fiction also includes medical, travel, space books and whole host of other texts. Obviously, the most important aspect of non-fiction writing is to write about what you know best. You must do your homework and become an authority on your subject matter.

 

You must also have an angle or purpose. Why are you writing it? In answering that question, you must answer the questions: who, what, why, when and how. For instance, if you are writing on how to balance your budget, your purpose is to help people gain control over their finances. You must decide whether you are aiming at the poor, middle class or wealthy. What do they need to know and why? When should they begin their financial planning and how?

 

For general non-fiction writing, you must decide on the right ‘point of view’ and ‘narrative voice.’ For instance, if you are writing about a personal and painful experience of your own, you might want to present it in the first person. However, if you are not ready to tell the world it was ‘your’ experience, you will need to write it in the third person. If you’re writing an academic book, you might want to write in the third person in a ‘professor’s’ voice. If it is a book about a conspiracy, you might want to adopt a ‘suspicious’ tone.

 

Next, choose your setting, which for non-fiction writing should be an actual place. If this is not possible, you will need to recreate the setting as closely as possible. Then establish the time element and your character outlines. Again, these must be factual or as close to it as possible. You must then decide on your characters and who is the primary character. What is the plot and how important is it? Will there be actual dialogue in your non-fiction book? If so, make sure that all words, expressions and accents are authentic in relation to the time element. What genre does your book fall into and are you being true to form for that genre?

 

Finally, although your non-fiction book should be based on facts, you can be just as creative as a fiction writer to keep your writing from being too dry and boring. Don’t be afraid to spice it up a bit, but at the same time stick to the facts.

 

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Assuming that you know what genre or category your writing falls into, there are a few things to consider. You must be aware that there are certain conventions of structure, character and conversation that automatically come with specific genres. For instance, writers of science fiction often use the term “faster-than-light travel” or “warp speed.” The sci-fi writer needs to know how and where such terms are used, if he or she intends to use them. In mystery writing, the plot generally begins with a discovery, such as a dead body and ends when the mystery is solved. A great way to become familiar with the conventions of your particular genre is to read similar books by other writers.

 

There is much a beginning author needs to know about manuscript style, dealing with writer’s block, tricks to unleash the imagination, writing query letters and book proposals, using photos, the importance of editing and book covers, how to find a publisher and/or book agent, copyright, why you should get a literary critique, book contracts, marketing, advertising and so much more.



 

Easy Money Making Ideas

Monday, October 26th, 2009
Boris Tomson


Easy Money Making Ideas

Permanent Portfolio Mutual Fund (PRPFX)

There is also a managed mutual fund that follows this strategy, although not exactly. It is run by the Permanent Portfolio Family of Funds and the ticker symbol is PRPFX.Visit to Apply Today http://moneyfinancehelp.blogspot.com/

Very recently it hasn’t been doing as well. The one-year trailing return is -20.60%, while the Vanguard S&P 500 Index fund has a trailing return of -47.50%, and the Vanguard Target Retirement Income fund has a trailing return of -16.90%. But over the last 5 and 10 years, the fund has beaten out most balanced mutual funds of stocks/bonds.

Food For Thought

I’m not advocating this approach by any means, but I found it intriguing for a variety of reasons. First, it still somewhat follows modern portfolio construction techniques by diversifying across multiple asset classes that are not strongly correlated with each other. Most portfolios these days are only split between stocks and bonds. The stocks part may be split many ways (small cap, international, etc.), but with correlations increasing across the board, that hasn’t really helped add much diversification. Maybe we all need more cash and direct inflation protection.

Second, the Permanent Portfolio is still a passive investment style that does not try to predict the future, time movements in and out of the market, or pick the best mutual fund or hedge fund manager. No stock newsletter or trading systems. You just rebalance across the four broad asset classes if they get lopsided.Visit to Apply Today http://moneyfinancehelp.blogspot.com/



 

The Role Of A CPA In The Estate Planning Process

Monday, October 26th, 2009
Kris Koonar


CPA(Certified Public Accountant) is a designation, which is offered to qualified accountants who apparently clear the Uniform Certified Public Accountant Examination conducted by the United States. These accountants have to posses the mandatory state educational prerequisite as well as know-how. Those who clear the exam are given the CPA license. This exam protects the general public from incompetent accountants who execute shoddy work. In 1896 the New York State Law passed the first Law of Accountancy. Accounting evolved as a profession after this law was passed and was tagged under the licensing necessities. These professionals have to follow strict professional ethics and certain working standards.

This lead was followed by many states and in due course fifty-four jurisdictions accepted the public law accounting legislation. The Board of Accountancy solely has the licensing authority, in compliance with the state laws. Most of the US practicing accountants holds the CPA license and those working without it are generally proscribed. As a result in most of the cases the CPA designation cannot be used outside the state until the person professionally acquires a license or a certificate of that picky state.

CPAs have broad vision and knowledge about the tax implications levied on estates. They can help an individual in achieving his or her goals as well as help him or her in minimizing the taxes and simultaneously increase the estate portion that can be easily passed on to heirs.

With today’s unstable financial market fluctuations, the market has become less accommodating to accumulate, preserve or dispose wealth easily. Estate and financial planning helps you preserve your hard earned estates. Planning for disposition while you are alive as well as after death is very important. With effective tax planning you can eliminate all your tax burdens and relax by knowing that your beneficiaries will get everything instead of it going into the government coffers.

Estate planning importance

You spend your youth slogging and planning to ensure that you have good assets to pass on to your heirs. If you are lucky then you may also have some investments as well as a business, so that life becomes much easier for your family to cope without you. So appoint a CPA so that your affairs are managed well and ensure that the financial burden does not give you sleepless nights. Estate planning is very important and should be well managed.

The help of a CPA does not cease with your death; they also help out in filing the income tax return after your death. They also handle your estate tax returns and income tax of the estate. There are chances that a CPA might get involved into the process of estate valuation and simultaneously work with attorney or the executor relating to tax savings following your death. The final goal behind all this is to maximize your estate portion that can be passed on to your heirs

CPAs also involve themselves in the IRS audits as well as in estate administration. Highly specialized knowledge is required for financial and estate planning. Certified Public Accountants remain in close contact with the clients by handling personal income taxes and personal financial affairs. They can also help the clients in taking important decisions and also in the overall coordination.



 

Make Big Money Forum – Business, Investing And Marketing Forums

Sunday, October 25th, 2009
Boris Tomson


Make Big Money Blog – Business, Investing and Marketing Forums

Some readers have noticed that I am no longer tracking the progress towards my long-term financial goal. That’s because I don’t have one! It used to be a million dollars by age 45, but I have dropped it since it doesn’t motivate me on a daily or even monthly basis. Visit today http://moneyfinancehelp.blogspot.com

I have come to realize that it is just stupid for me to plan out something 15 years ahead. Even looking back only five years, my life now is vastly different than I thought it would be. It’s an interesting exercise.

On February:

I was 6 months out of graduate school, and in working at my first “real” job. Although I had held several jobs earlier including being a student researcher and teaching assistant, the corporate world was completely new to me. Even then, I knew I didn’t want to do this for four decades. My net worth was hovering around zero… I was just about done finally paying off my student loans from undergrad, but that was about as far as I was looking. Here’s an updated net worth history chart: I was single. Although I was engaged at the time, I had never lived with my fiancee and had no idea what it would be like to completely share a life together. It’s been quite an adventure. I didn’t have this blog. I don’t even know if I knew what a blog was. Who knew that it would provide a non-trivial chunk of our total income, and that I would continue to spend at least 20 hours a week of my time maintaining it, and often much more (although I’ve been working on better balance). I didn’t own a home. I was still living in the same cheap, run-down, graffiti-covered apartment that I lived in during college. I would end up renting five different apartments in the next 5 years, before finally buying a house.

I’m actually really happy with how things turned out, but looking ahead there is still so much more uncertainty. Kids? Jobs? Economy? So I’ll have to keep that in mind when crafting a measurable, specific, and inspiring long-term goal.Visit Now http://earnmoneywithzeroinvestment.blogspot.com



 

Estate Planning Part 01 – What is Estate Planning ?

Thursday, October 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.

I. Why do you need estate planing

While you are young, you are try to accumulate your wealth through various investment planning . At some points in your life, your are getting marry and having children. You need estate planning to ensure that your wealth are passed through your family while you are alive. You need to draw up a will and your family is named as beneficiaries because you don’t want the court decide who will get your wealth. You also want to ensure that the wealth are passed your beneficiaries with least amount of taxes. Life insurance plays an important role in any estate planning, because life insurance is not taxable and it usually used to pay taxes for your beneficiaries.

II. Estate planning purpose

1. Setting objective

The main goals if setting of objective is maximize amount for your wealth accumulation through financial planning and distribute your wealth with least tax to the beneficiaries as you wish.

2. Collecting and analyzing your financial data

The lists of liquidate asset to ensure that your estate have enough cash on hand to meet its obligation.

3. Strategies for transferring assets to your estate while your alive

4. Strategies for transferring assets to your estate at death

5. Implement your plan to ensure your will will be carried according to your instruction, including choosing your executors, guardians as well as power of attorney for a living will.

6. Monitor your plan every year to ensure that will work upon your death.

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/

http://estateplanning01.blogspot.com/



 

How To Make Money From Home – Honesty IS the best policy

Sunday, October 18th, 2009
Aron Lane

So….. what really works?

Over the past few months I have read, bought, applied and promoted many products that promise 1000’s of dollars an hour, week, month or year that anyone could do. I have come across very few that actually do ‘what it says on the tin’.

The usual is that they start off telling you there is no risk. uummmm…..well I suppose in many cases this is technically true, but…to get any money back on given products often you must first show records of what you have done. This is not so easy, and so time consuming, the seller is quite sure you won’t bother.

The next tactic is to tell you that for as little as $xxx you can be making money in no time.   To elaborate on this what they actually mean is ‘$xxx go to me, you will then have to buy such and such a product to achieve this level of earning (which of course, they have an affiliate link to!) oh.. and of course, if you dont get the traffic, then it’s got no chance. you could buy, of course, some form of traffic generator through their affiliate link!

So why do marketers do this? Easy answers: You don’t find out the truth till you have already bought their product. Then you might aswell buy the next essential item, you’ve spent some money already! Plus a lie looks more attractive(so you buy). All handy tactics, alot of which I haven’t mentioned, to sell sell sell a product.

Is it possible to be transparent and visible about your products to your potential customers?   I think so and when done so would be more profitable!  The few products I have found that actually work are honest, and, I have gone back to those websites to look for other products because I trust them!

What should I do now? What I would like to do is tell as many people as possible about the ones that I’ve found that are honest about the costs, and work!

For more info visit my affiliate website: www.TopInternetThemes.com where I have listed 3 products that actually do what they promise. Yes it is an affiliate website and I do get paid if you buy the product. (the thing is I AM honest and transparent). my contact details are on the website. See you there. Please feel free to contact me.