Category Archives: Employment training in estate planning and asset protection

Finance The needs of people in retirement or about to retiree are different than those of baby boomers. Yet all you see in articles is advice for baby boomers on how to prepare for retirement. What about help for those age 60+ who have already cashed in their chips or about to do so? Good news. There has been increased education, albeit slowly, for financial advisors to help people in retirement. But be careful about the several designations you may see. The most widely held senior designation, Certified Senior Advisor (CSA) is not a financial training at all. Although many financial professionals gain this designation, so do nurses, gerontologists, funeral home directors and others dealing with older people. The designation is really a training in communication skills and issues of aging and not in financial issues. The Certified Retirement Financial Advisor designation (CRFA) is ONLY for financial professionals that have at least 2 years experience in financial services. The enrollees seek to polish their retiree-specific financial knowledge and the course covers every aspect of financial concerns to someone in their retirement years: how to avoid tax on social security income, how to liquidate assets for the lowest or zero capital gains tax, how to utilize section 72 rules for early retirees who need to tap their retirement funds before age 59 , IRS sections 1035 and 1031 exchanges for tax deferral, Roth IRA conversions, how to minimize taxes on IRA distributions, how to build retiree portfolios for greater secure income, how to create low risk equity portfolios, training in estate planning and asset protection, long term care planning and related tax issues, trusts, advance directives, integration of your retirement plan and estate plan, asset titling issues, beneficiary selection for retirement accounts and other assets. Fifteen hours of continuing education is required annually to maintain the designation. The other legitimate designation is Chartered Advisor for Senior Living (CASL). However, of the 5 courses that graduates must complete, 2 of them are general and not retiree specific. Fifteen hours of continuing education is required every 2 years to maintain the designation. Be cautious of any other designations held by a financial advisor who contends that the designation has prepared him to give appropriate financial advice for people in retirement. There are several designations that have no substance and are programs designed to make a financial sales person look like a professional. Here are some simple questions you can ask a retirement planner. If the professional cannot answer them easily, then move on: How can IRS section 1031 help me (it helps people divest real estate without current taxation) What is the lowest possible rate on capital gains that I could possibly qualify for (5% currently, 0% starting in 2008) Can anyone convert their IRA to a Roth IRA (their modified adjusted gross income must be under $100,000 currently) If I want to leave my IRA to my 3 children, do I need to split it into 3 accounts (no, the children can split the IRA after your death into 3 accounts) Will a living trust help me save taxes (nothe benefits of a living trust that cannot be accomplished otherwise is the avoidance of probate and privacy) What’s the difference between an annuitant driven and owner driven annuity (all annuities are owner drivenif the owner dies, the owners beneficiary gets the proceeds) Can I lose money with an equity indexed annuity (yes, if you withdraw funds during the surrender period, the surrender charge could be larger than anything you have earned resulting in a loss) Why shouldn’t I put my sons name on my accounts as joint tenant so he inherits them directly if I die (you can be deemed to have given a gift which may have tax consequences and you have exposed jointly held assets to your son’s creditors). About the Author: permission from a higher religious figure is required

UnCategorized In the Holy Bible, Jesus is described as casting out a demon on a number of occasions, and he instructs his disciples to do the same after he has gone. This practice has grown within the Christian tradition to be known as exorcism, a ritual practice which claims to be expel evil spirits or supernatural beings from the bodies or locations of those deemed to be possessed. Exorcism, however, is not merely a Christian practice, but has a history in most major world religions. All cultures, it appears, are concerned with the presence and hauntings of spirits, ghosts, demons, and evils, and have designed practices to help counteract these hauntings and provide comfort and safety to the possessed. Perhaps one of the most famous exorcisms was that performed on Robbie Mannheim in 1949, which later inspired a number of books and movies like The Exorcist. Mannheim’s tale is a particularly "exotic" exorcism, as it involved multiple priests and was recorded in detail through a diary. The story of Mannheim’s exorcism exemplifies a few key characteristics of an exorcism. For instance, it is generally not proper in the Catholic church, and in most religions, for just anyone or even for just a regular religious caretaker to perform an exorcism. Usually, permission from a higher religious figure is required (like an archbishop, in this case), and Catholic exorcisms is usually performed by a bishop. Also, those possessed by evil spirits are generally regard as innocent of acts they perform while under the supposed control of the evil spirits. One might think that exorcisms have waned over the years with the advent of modernity, but there is strong evidence that exorcisms have actually increased over the last century, in large part because of their portrayal in more vivid media (like movies, television shows, etc.). This suggests that part of the draw of exorcisms is the spectacle of the possession and the ritual–people are intrigued by what startling things someone might do while under the "control" over an unknown being. Today, professional exorcists–some connected to a particular religious tradition and others who are not–make themselves available to perform not only bodily exorcisms but the "purification" of houses and other locations from the influence of supposed evil spirits and demons. It would appear that exorcism and other forms of casting out a demon will most likely remain a part of contemporary culture for years to come. About the Author: The Art Of Driving Safely By

Speed Breakers "�" Why Do We Need Them? By: George Methew | Nov 18th 2015 – You must have experienced those jerks while driving over speed breakers on roads. And you must have cursed the people who built them up there "�" on main roads and inside localities. Ever thought they so silently do their job, and at the same time get cursed? Tags: The Art Of Driving Safely By: Ashish | Mar 4th 2015 – Despite all the traffic safety barriers in place and countless traffic rules to protect people from road accidents, they happen, and accidents take countless lives every year. Tags: Mobile-Cell-Phone Make calls to more than two people at a time and have a round table conference in air through Sony Ericsson C510. Yes

Mobile-Cell-Phone Make calls to more than two people at a time and have a round table conference in air through Sony Ericsson C510. Yes, users have the facility of call conferencing to talk to more than two people at one time. Talk to your sister, wife and mother at the same time with the same handset. In fact all the people can talk to each other at the same time through that common call. Call conferencing is beneficial in business activity as well. When a user feels like fixing up a common timing between three people then he/she can resolve to call conferencing. Geo tagging is another unique feature of Sony Ericsson C510 that gives additional feature to this mobile phone. USB Cable connection and WAP technology makes users use Internet facility to send Emails and make necessary downloading as well. There are interesting games that can be downloaded from the net and played at whatever time possible. Camera is an integral part of all mobile phones. High end mobiles have higher configurations of camera whereby users can have more distinct photography and greater usage of camera functions. There are times when users need to have more distinct pictures that are possible with only advanced camera phones only. Sony Ericsson has 3.15MegaPixel camera for greater usability. Music player has all the basic functions related to storage and playing of songs. This makes Sony Ericsson stand apart in the series of mobile phone. Most users love to listen to FM Radio while moving or in their free time. FM is like a basic function of a mobile phone. Play your FM and listen through Bluetooth to make listening easier. Not many mobile phones are enriched with a talk time of 10 hrs at a stretch. sony Ericsson handset has this facility and that makes user perform tension-free functions on their Sony C510 handset. This long screen silver handset is beautifully designed to give a sophisticated look to the handset. It is globally active mobile phone and has a capacity to store 1000 entries in its phone book memory. Also a data provision of last 30 missed/received/dialed calls provides a relief to its user. This data enables user to recollect all the conversations with the user at any point of time. Visit themobilestore for relevant information and avail necessary discounts at your purchases. About the Author: you try to gather little basic information regarding the habitation and hotel facility in the city. Here you will be greeted with verities of New Delhi Hotels through which you can obtain top information for your protected & comfort stay to make your expedition unforgettable. Approximately all gigantic hotel chains have their procedures in New Delhi. Delhi has lavish five star hotels

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