ESTATE PLANNING KNOWLEDGE AND USEFUL INFORMATION
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How to Do Estate Planning? KNOWLEDGEFINANCIAL.COM
No one wants to think about not being here to enjoy tomorrow
and take care of life and loved ones. But it happens to all of us
sooner or later. Getting papers and the things we posses in
order not only makes life much easier on the people we leave
behind, but the organizing involved is remarkably empowering.
One of the best parts of estate planning is you get a chance to
take stock of your life, priorities and material possessions. You
don't even have to own a house or have a family to get your life
in order.
Another great part of estate planning is you can get yourself
organized. You want to find all your documents and organize
them in one place.
Make your will. I couldn't believe this was actually fun. But it's
interesting to go through all you have and figure out who would
really enjoy or benefit from the things you've acquired.
There are a lot of will-making computer programs for sale on
the internet and on legal sites that can help. If you feel at all
unsure, call an expert and meet with him/her personally. They
will help guide you on how to fill out forms and make decisions.
Other things to consider are long-term care, living trusts,
health planning and other documentation. Getting everything
together and organized will give you a good, clean sense of
power over your life.
And don't think that being young is an excuse not to do it. None
of us knows what may happen tomorrow, and if you have family
who could be terribly burdened by your lack of action,
No one wants to think about not being here to enjoy tomorrow
and take care of life and loved ones. But it happens to all of us
sooner or later. Getting papers and the things we posses in
order not only makes life much easier on the people we leave
behind, but the organizing involved is remarkably empowering.
One of the best parts of estate planning is you get a chance to
take stock of your life, priorities and material possessions. You
don't even have to own a house or have a family to get your life
in order.
Another great part of estate planning is you can get yourself
organized. You want to find all your documents and organize
them in one place.
Make your will. I couldn't believe this was actually fun. But it's
interesting to go through all you have and figure out who would
really enjoy or benefit from the things you've acquired.
There are a lot of will-making computer programs for sale on
the internet and on legal sites that can help. If you feel at all
unsure, call an expert and meet with him/her personally. They
will help guide you on how to fill out forms and make decisions.
Other things to consider are long-term care, living trusts,
health planning and other documentation. Getting everything
together and organized will give you a good, clean sense of
power over your life.
And don't think that being young is an excuse not to do it. None
of us knows what may happen tomorrow, and if you have family
who could be terribly burdened by your lack of action,
ESTATE PLANNING, WHAT IS ESTATE PLANNING? How to
Do AN Estate Planning?
Estate planning is not just about taxes. Usually, Americans
pay only one half of one percent in federal estate taxes.
Everyone needs an estate plan to make sure their assets
go where they want them to go after death. Here are some
things to think about when doing your estate plan.
Don't let the state plan your estate. If you don't have a will,
the state you lived in decides what to do with your assets.
Make a will.
Protect your heirs from creditors. If you leave assets to
your children, their creditors can attach those assets just
the same as if they had earned it. Leave your assets in
trusts.
Protect your heirs from themselves. If you have a child who
is bad with money, set up a trust and appoint someone
else to make financial decisions for him which can protect
him from his own poor decision making.
Start estate planning early, not when you learn you have a
terminal disease. It's possible that options are available
now that will not be later.
Carefully choose an estate planning specialist. There are
estate planning attorneys in your area. Check with friends
for recommendations.
Update your estate plan at regular intervals. Changes
happen in our lives. Be sure you address them, so your
estate plan is in place when it is needed.
KNOWLEDGEFINANCIAL.COM
Do AN Estate Planning?
Estate planning is not just about taxes. Usually, Americans
pay only one half of one percent in federal estate taxes.
Everyone needs an estate plan to make sure their assets
go where they want them to go after death. Here are some
things to think about when doing your estate plan.
Don't let the state plan your estate. If you don't have a will,
the state you lived in decides what to do with your assets.
Make a will.
Protect your heirs from creditors. If you leave assets to
your children, their creditors can attach those assets just
the same as if they had earned it. Leave your assets in
trusts.
Protect your heirs from themselves. If you have a child who
is bad with money, set up a trust and appoint someone
else to make financial decisions for him which can protect
him from his own poor decision making.
Start estate planning early, not when you learn you have a
terminal disease. It's possible that options are available
now that will not be later.
Carefully choose an estate planning specialist. There are
estate planning attorneys in your area. Check with friends
for recommendations.
Update your estate plan at regular intervals. Changes
happen in our lives. Be sure you address them, so your
estate plan is in place when it is needed.
KNOWLEDGEFINANCIAL.COM
How to Prepare for an Estate-Planning Meeting?
KNOWLEDGEFINANCIAL.COM
A lot of planning and decision making go into determining how to manage an estate. The most
valuable team member of an estate-planning meeting is an attorney with experience in setting up
trusts, wills and other aspects of estate planning.
Step1-Discuss with your spouse the way you both want your estate to be handled, if both of you
die at the same time or one precedes the other in death. Both scenarios need to be clearly
defined in the planning meeting.
Step2-Determine if you want your estate to stay in your bloodline. If your son or daughter dies
after having children and his or her spouse remarries, do you want the new spouse and any
children to be included in the estate?
Step3-Decide if your children should inherit everything at the time of your death, or if you want
your estate to provide an ongoing income. To set up an ongoing income, you must decide on the
amount and frequency of payout.
Step4-Discuss your thoughts about the division of the estate to your new spouse if you remarry.
Will everything go to your children and grandchildren, or will the new spouse be included?
Step5-Talk about giving to charity. Some couples prefer to give a large portion of their estate to
charity, especially if the estate is substantial. If you want to give to charity, come to an agreement
about the charity and donation amount as you prepare for an estate-planning meeting with your
attorney.
Step6-Include your vacation home or any other major assets in your estate planning. You should
decide if any additional properties are to be sold and included in the assets as cash, or if any
property should remain available for the family.
Step7-Think about the need for designating a financial adviser and a trustee to handle the affairs
of the estate upon your and your spouse's demise. This is especially important in the case of
children who are minors. You may consider putting a requirement for both a financial adviser and
trustee until the children reach an age designated by you.
Step8-Prepare for an estate-planning meeting by discussing the possibilities of setting up a
charitable trust in your name or a scholarship fund in your family's name.
''Will You Owe Estate Taxes?
KNOWLEDGEFINANCIAL.COM
A lot of planning and decision making go into determining how to manage an estate. The most
valuable team member of an estate-planning meeting is an attorney with experience in setting up
trusts, wills and other aspects of estate planning.
Step1-Discuss with your spouse the way you both want your estate to be handled, if both of you
die at the same time or one precedes the other in death. Both scenarios need to be clearly
defined in the planning meeting.
Step2-Determine if you want your estate to stay in your bloodline. If your son or daughter dies
after having children and his or her spouse remarries, do you want the new spouse and any
children to be included in the estate?
Step3-Decide if your children should inherit everything at the time of your death, or if you want
your estate to provide an ongoing income. To set up an ongoing income, you must decide on the
amount and frequency of payout.
Step4-Discuss your thoughts about the division of the estate to your new spouse if you remarry.
Will everything go to your children and grandchildren, or will the new spouse be included?
Step5-Talk about giving to charity. Some couples prefer to give a large portion of their estate to
charity, especially if the estate is substantial. If you want to give to charity, come to an agreement
about the charity and donation amount as you prepare for an estate-planning meeting with your
attorney.
Step6-Include your vacation home or any other major assets in your estate planning. You should
decide if any additional properties are to be sold and included in the assets as cash, or if any
property should remain available for the family.
Step7-Think about the need for designating a financial adviser and a trustee to handle the affairs
of the estate upon your and your spouse's demise. This is especially important in the case of
children who are minors. You may consider putting a requirement for both a financial adviser and
trustee until the children reach an age designated by you.
Step8-Prepare for an estate-planning meeting by discussing the possibilities of setting up a
charitable trust in your name or a scholarship fund in your family's name.
''Will You Owe Estate Taxes?
How to Discuss Estate Planning With Your Aging
Parents? KNOWLEDGEFINANCIAL.COM
1-Allow your parents to bring up the topic of their will, even if you are uncomfortable
with the subject matter. They may feel the need to talk about it with you.
Step2-Use tact when bringing up the issue. Explain to them that you just want to be sure
their wishes are followed, and to know what to do in the event of an unexpected
emergency.
Step3-Discuss the possibility of a living will ' a way to carry out the wishes of someone
who is still alive, but unable to function or communicate.
Step4-Help them decide on an impartial, reliable executor ' preferably a trusted friend
or colleague outside the immediate family. This person will handle their estate
according to their instructions.
Step5-Arrange a family meeting to discuss any potential conflicts that may arise after
your parents pass on.
Step6-Suggest that your parents contact a lawyer; some issues are generally too
complicated for do-it-yourself will-planning packages, such as guardianship of a minor
child or a disabled family member.
Step7-If your parents plan to pass along property to you, discuss the possibility of
placing your name on the title during their lifetime; this will make the transition easier
when the time comes, and may mean there are fewer taxes to pay, depending on your
location.
Step8-If family heirlooms or jewelry are part of an estate, ask your parents to clarify
these specific legacies in writing. This will ensure that each item goes where they want
it to. --- KNOWLEDGEFINANCIAL.COM
Parents? KNOWLEDGEFINANCIAL.COM
1-Allow your parents to bring up the topic of their will, even if you are uncomfortable
with the subject matter. They may feel the need to talk about it with you.
Step2-Use tact when bringing up the issue. Explain to them that you just want to be sure
their wishes are followed, and to know what to do in the event of an unexpected
emergency.
Step3-Discuss the possibility of a living will ' a way to carry out the wishes of someone
who is still alive, but unable to function or communicate.
Step4-Help them decide on an impartial, reliable executor ' preferably a trusted friend
or colleague outside the immediate family. This person will handle their estate
according to their instructions.
Step5-Arrange a family meeting to discuss any potential conflicts that may arise after
your parents pass on.
Step6-Suggest that your parents contact a lawyer; some issues are generally too
complicated for do-it-yourself will-planning packages, such as guardianship of a minor
child or a disabled family member.
Step7-If your parents plan to pass along property to you, discuss the possibility of
placing your name on the title during their lifetime; this will make the transition easier
when the time comes, and may mean there are fewer taxes to pay, depending on your
location.
Step8-If family heirlooms or jewelry are part of an estate, ask your parents to clarify
these specific legacies in writing. This will ensure that each item goes where they want
it to. --- KNOWLEDGEFINANCIAL.COM
| How to Write Your Own Last Will & Testament? KNOWLEDGEFINANCIAL.COM Writing a will is a difficult thing best handled by an experienced attorney. If you truly have no other options, you can read these instructions to create your last will and testament. Follow these suggestions if you decide to write your own last will and testament. Identify yourself by name and current address. There could be other "Penelope Taints", and your then-existing address, if you later move, will help make sure this is actually your will. You might also include your date of birth and social security number. Make an explicit statement that you are revoking all other wills and codicils you may have executed before. Appoint an Executor (known in some states as a Personal Representative --- if you are not sure, use the term Executor for a man and Executrix for a woman (if you are not sure whether the person is a man or a woman, select another)). The Executor is the person who carries out your instructions and administers your Estate after your death. Every state has rules over who can serve. In most states, if the person is living in your State and over the age of 18, that will do but you obviously want a person who is honest, thrifty, prudent and resourceful. Empower the Executor to pay all of your just debts, funeral expenses, taxes and estate administration expenses so that your heirs can take their shares without later deductions or complications. Authorize your Executor to sell any real estate in which you may own an interest at the time of your death and to pledge it, lease it, mortgage it or otherwise deal with your real estate as you yourself could do.Itemize personal items that will be going to specific people. State that the assets will be divided in the following percentages to the following people. List the people and the percentages and make sure the percentages add up to 100%. Include provisions which will clearly explain who gets a beneficiary's gift if that person dies before you. For example, "To my wicked Miss Jeanty, I leave Five (5%) Percent should she survive me; otherwise the share of miss Jeanty shall pass instead to her lawnman, Mr. jeanty should he survive Miss Jeanty and myself; otherwise this gift shall lapse." If you want a deceased beneficiary's gift to just go back into the pot and be divided among your living beneficiaries in shares proportionate to what you provided for them, you can use conditional language such as "To my... I leave Five (5%) Percent should he or she survive me." If you just leave it at that and do not name an alternate to specifically. Write in a "residuary clause." A Residuary clause takes everything that was not already disposed of and gives it to your "residuary beneficiaries." Even after distributing 100%, you can say "If there are any other assets remaining in my estate including but not limited to real property, personal property, causes of action or any other assets, of whatsoever nature and wheresoever situate, I give, bequeath and devise such residue to ____________." The residuary gift cannot lapse because it will have nowhere to go. You might say, "to Larry, Moe and Curly, in equal shares, per stirpes." "Per stirpes" essentially means that it will go down the bloodline of a deceased beneficiary. Be clear about whether your Executor should be paid and/or reimbursed for expenses. You may set the pay or just leave it as a "reasonable fee such as is ordinarily charged in the community for services of similar complexity and nature." Be clear over whether your Executor must post bond. Some courts will require your Executor to post bond unless you explicitly state that that the Executor shall serve without bond. Bond premiums can be expensive and some people do not want their estate drained; others look at bonds as good insurance in case the Executor runs off to Tahiti with the money. Name an alternative Executor to take over if your first choice dies, becomes incapacitated or is otherwise unable or unwilling to serve. Make sure you sign correctly. How you and your witnesses sign the will is a matter of state law and can affect its validity. Check on this but in all states, you will be fine of you sign the will in the presence of three witnesses and a notary public all of whom watch you sign and were present all at the same time and all of whom are unrelated to you and not beneficiaries or other persons with an interest in your Estate. Your signature must come at the end of the will, preferably right after the last line of text. You should also initial each page. Store the will safely. Your will does not get filed with the courts until after your death. Tell only your nominated Executor where you keep it. You may also wish to give the Executor a copy or second original. Do not write on your will once it is done. Make any future changes by way of a "codicil," a separate document which explicitly refers to the original will. Seek out an attorney who understands "special needs trusts" and planning for the disabled if you have disabled heirs. Do not attempt to plan for making payments to a beneficiary over time yourself. This type of payment system will usually require a lawyer. Remember that wills only govern assets that are in your name alone when you die. A good estate plan will therefore address how accounts are titled so that your wishes are honored. Try not to refer to specific assets in your will. What you have today, you may not have tomorrow and this is therefore a serious mistake in will drafting. Speak in percentages whenever possible. State clearly that you are of sound mental health and of contractual capacity!! Without this important step, somebody who gets a raw deal in your will, such as your wicked step mother, will be able to shoot down the will in court fairly easily. Sign in blue ink so that people may easily tell the original from photocopies. ---KNOWLEDGEFINANCIAL.COM When going to a lawyer, ask about "self-proving affidavits." These nifty one-page tools can save a lot of time and money after your death by avoiding having to track down witnesses. Wills mean probate, the process by which the will is admitted by the courts. Good lawyers can sometimes tell you how to avoid a probate proceeding. In many cases, probate is an unnecessary aggravation and expense. Warnings; Nothing in this article should be taken as legal advice for a particular person or issue. Laws change from time to time and vary from state to state. So many variables affect a lawyer's advice and these variables may well mean that the above planning steps will not affect you or could even cause harm. Prior to implementing any of the stategies discussed in this article, you should consult with an attorney who is certified as a specialist in Elder Law or estate planning by your state's bar association. The selection of an attorney is an important decision that should be based on qualifications and expertise and certainly not on advertisements alone. ---KNOWLEDGEFINANCIAL.COM Be wary of forms. No one form can fit everybody's circumstances. Even in the most simple of estate plans (all to my spouse, then to my kids), good and customized drafting can save you and your heirs a tremendous amount of money and aggravation. There are software packages and will forms, even among the most popular, that are just plain bad and some are ineffective. Do not jeopardize your life savings and goals to save a few hundred dollars. --- KNOWLEDGEFINANCIAL.COM |
Estate Planning Strategies:
WWW.KNOWLEDGEFINANCIAL.COM
Nobody wants to die, certainly no-one likes to think about dying; but the
fact is that it happens to everybody.
If you've worked hard and built your own personal fortune, take steps
now to sure that it's protected after you die.
An estate is the total property, including all assets and liabilities, that an
individual owned prior to the distribution of that property under the terms
of a will, trust, or inheritance laws.
Yes you can control the assets left after you die with careful estate
planning. Avoiding probate is one of the best living strategy.
Estate Planning is not something you can just do once and forget about it.
As your assets grow and as your family situation changes {marriages,
divorces, births, deaths, moving to a different state or country}, you'll
need to review your plan and make any appropriate changes.
Do the best you can to make sure your assets are protected while you
are alive.
Asset protection should be an integrated part of your overall personal
and business financial strategy, as well as your estate plan.--
KNOWLEDGEFINANCIAL.COM
WWW.KNOWLEDGEFINANCIAL.COM
Nobody wants to die, certainly no-one likes to think about dying; but the
fact is that it happens to everybody.
If you've worked hard and built your own personal fortune, take steps
now to sure that it's protected after you die.
An estate is the total property, including all assets and liabilities, that an
individual owned prior to the distribution of that property under the terms
of a will, trust, or inheritance laws.
Yes you can control the assets left after you die with careful estate
planning. Avoiding probate is one of the best living strategy.
Estate Planning is not something you can just do once and forget about it.
As your assets grow and as your family situation changes {marriages,
divorces, births, deaths, moving to a different state or country}, you'll
need to review your plan and make any appropriate changes.
Do the best you can to make sure your assets are protected while you
are alive.
Asset protection should be an integrated part of your overall personal
and business financial strategy, as well as your estate plan.--
KNOWLEDGEFINANCIAL.COM
Never own Real Estate in your own name except your
personal residence. ---knowledgefinancial.com
If you do, that information will show up in public records for anyone to see.
More important, any judgement against you can turn into a lien against all your
properties. If that happens, that means you are loosing control over your own
assets.
It's good to own each of your real estate and other investments in a separate
trust.
If you own more than one property and other assets on your own name; for
example: A one of your tenant, a visitor, or a repairman slips and falls in one
of your property, sues you and wind the judgement against you.
That judgement becomes lien on all your property, not just on one. The solution
to avoid that is : to use a separate land trust for each and every property you
own.
"IT'S OKAY TO OWN NOTHING AND CONTROL
EVERYTHING" THAT IS THE ESSENCE OF ASSET
PROTECTION.
KNOWLEDGEFINANCIAL.COM
personal residence. ---knowledgefinancial.com
If you do, that information will show up in public records for anyone to see.
More important, any judgement against you can turn into a lien against all your
properties. If that happens, that means you are loosing control over your own
assets.
It's good to own each of your real estate and other investments in a separate
trust.
If you own more than one property and other assets on your own name; for
example: A one of your tenant, a visitor, or a repairman slips and falls in one
of your property, sues you and wind the judgement against you.
That judgement becomes lien on all your property, not just on one. The solution
to avoid that is : to use a separate land trust for each and every property you
own.
"IT'S OKAY TO OWN NOTHING AND CONTROL
EVERYTHING" THAT IS THE ESSENCE OF ASSET
PROTECTION.
KNOWLEDGEFINANCIAL.COM
ESTATE PLANNING--- KNOWLEDGEFINANCIAL.COM
The collection of preparation tasks that serve to manage an individual's asset
base in the event of their incapacitation or death, including the bequest of assets
to heirs and the settlement of estate taxes. Most estate plans are set up with the
help of an attorney experienced in estate law.
Some of the major estate planning tasks include:
- Creating a will
- Limiting estate taxes by setting up trust accounts in the name of beneficiaries
- Establishing a guardian for living dependents
- Naming an executor of the estate to oversee the terms of the will
- Creating/updating beneficiaries on plans such as life insurance, IRAs and 401(k)s
- Setting up funeral arrangements
- Establishing annual gifting to reduce the taxable estate
- Setting up durable power of attorney (POA) to direct other assets and
investments
Estate planning is an ongoing process and should be started as soon as one has
any measurable asset base. As life progresses and goals shift, the estate plan
should move to be in line with new goals. Lack of adequate estate planning can
cause undue financial burdens to loved ones (estate taxes can run higher than
40%), so at the very least a will should be set up even if the taxable estate is not
large. KNOWLEDGEFINANCIAL.COM
The collection of preparation tasks that serve to manage an individual's asset
base in the event of their incapacitation or death, including the bequest of assets
to heirs and the settlement of estate taxes. Most estate plans are set up with the
help of an attorney experienced in estate law.
Some of the major estate planning tasks include:
- Creating a will
- Limiting estate taxes by setting up trust accounts in the name of beneficiaries
- Establishing a guardian for living dependents
- Naming an executor of the estate to oversee the terms of the will
- Creating/updating beneficiaries on plans such as life insurance, IRAs and 401(k)s
- Setting up funeral arrangements
- Establishing annual gifting to reduce the taxable estate
- Setting up durable power of attorney (POA) to direct other assets and
investments
Estate planning is an ongoing process and should be started as soon as one has
any measurable asset base. As life progresses and goals shift, the estate plan
should move to be in line with new goals. Lack of adequate estate planning can
cause undue financial burdens to loved ones (estate taxes can run higher than
40%), so at the very least a will should be set up even if the taxable estate is not
large. KNOWLEDGEFINANCIAL.COM
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Early.
THE BEST RETIREMENT GUIDE EVER; WHAT ARE 401K, ROTH
401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
Long-term care insurance?
Is a long-term care insurance policy really provides money to
help cover the costs of living if you are no longer able to take
care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL
SECURITY WORK?
What is the importance and benefits of life insurance in real life,
and at retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What
is an IRA? And what does it matter?
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Insurance? Are Annuities Planning today for a secure
tomorrow?
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economic time
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Revocable Trust, Land Contract. It is one of the oldest and best
defined relationships known in the law
How to protect yourself and a business against malicious law-suits?
Will & Living trust
What is a will and what is living trust? How does a living trust avoid
probate?
{Investment} The Ultimate Retirement Guide for Everyone; Retire
Rich, Retire Early
How can I protect my assets? {Business 101 --- Corp., S - Corp.,
LLC, General Partnership, Limited partnership, Trust Account, Will
and Living-Trust}
Estate planning is the process of accumulating and disposing of an estate to
maximize the goals of the estate owner to avoid probate, to lower the tax
maximize the goals of the estate owner to avoid probate, to lower the tax
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| TOP THINGS TO KNOW ABOUT ESTATE PLANNING: 1. No matter your net worth, it's important to have a basic estate plan in place. Such a plan ensures that your family and financial goals are met after you die. 2. An estate plan has several elements. ---KNOWLEDGEFINANCIAL.COM They include: a will; assignment of power of attorney; and a living will or healthcare proxy (medical power of attorney). For some people, a trust may also make sense. When putting together a plan, you must be mindful of both federal and state laws governing estates. 3. Taking inventory of your assets is a good place to start. Your assets include your investments, retirement savings, insurance policies, and real estate or business interests. Ask yourself three questions: Whom do you want to inherit your assets? Whom do you want handling your financial affairs if you're ever incapacitated? Whom do you want making medical decisions for you if you become unable to make them for yourself? 4. Everybody needs a will. A will tells the world exactly where you want your assets distributed when you die. It's also the best place to name guardians for your children. Dying without a will - also known as dying "intestate" - can be costly to your heirs and leaves you no say over who gets your assets. Even if you have a trust, you still need a will to take care of any holdings outside of that trust when you die. 5. Trusts aren't just for the wealthy. ---KNOWLEDGEFINANCIAL.COM Trusts are legal mechanisms that let you put conditions on how and when your assets will be distributed upon your death. They also allow you to reduce your estate and gift taxes and to distribute assets to your heirs without the cost, delay, and publicity of probate court, which administers wills. Some also offer greater protection of your assets from creditors and lawsuits. 6. Discussing your estate plans with your heirs may prevent disputes or confusion. Inheritance can be a loaded issue. By being clear about your intentions, you help dispel potential conflicts after you're gone. 7. The federal estate tax exemption - the amount you may leave to heirs free of federal tax - has been rising gradually and will hit $3.5 million in 2009. Meanwhile, the top estate tax rate is coming down. The estate tax is scheduled to phase out completely by 2010, but only for a year. Unless Congress passes new laws between now and then, the tax will be reinstated in 2011 and you will only be allowed to leave your heirs $1 million tax-free at that time. 8. You may leave an unlimited amount of money to your spouse tax-free, but this isn't always the best tactic. ----KNOWLEDGEFINANCIAL.COM By leaving all your assets to your spouse, you don't use your estate tax exemption and instead increase your surviving spouse's taxable estate. That means your children are likely to pay more in estate taxes if your spouse leaves them the money when he or she dies. Plus, it defers the tough decisions about the distribution of your assets until your spouse's death. 9. There are two easy ways to give gifts tax-free and reduce your estate. You may give up to $12,000 a year to an individual (or $24,000 if you're married and giving the gift with your spouse). You may also pay an unlimited amount of medical and education bills for someone if you pay the expenses directly to the institutions where they were incurred. 10. There are ways to give charitable gifts that keep on giving. If you donate to a charitable gift fund or community foundation, your investment grows tax-free and you can select the charities to which contributions are given both before and after you die. ---KNOWLEDGEFINANCIAL |
Why should I assign power of attorney?
KNOWLEDGEFINANCIAL.COM
When you can't control your financial life, make sure
someone you trust will.
No one is immune from aging or the loss of mental clarity that may come with it. And you're
never immune to health crises that may leave you unable to handle the business of your life:
paying bills, managing investments, or making key financial decisions.
Granting someone you trust the power of attorney allows that person - known as your "agent"
or "attorney in fact" - to manage your financial affairs if you are unable to do so.
Your agent is empowered to sign your name and is obligated to be your fiduciary - meaning
they must act in your best financial interest at all times and in accordance with your wishes.
There are different kinds of powers of attorney, but in estate planning there are two essential
types you should know: ----KNOWLEDGEFINANCIAL.COM
The first is the "springing power of attorney," which only goes into effect under circumstances
that you specify, the most typical being when you become incapacitated.
Often that means your agent cannot act until he or she provides doctors' letters and
sometimes court orders to prove you are incapable of making decisions for yourself.
There is also the "durable power of attorney." It is effective immediately, and your agent does
not need to prove your incapacity in order to sign your name.
An attorney can help you decide which form makes the best sense for your circumstance. In
any case, take care in choosing your agent. That person should be competent, trustworthy,
willing to take on the burden of your affairs, and financially secure.
If you choose a relative or friend as your agent, you probably won't have to pay them. But if you
name a bank, lawyer, or other outside party, you will have to negotiate compensation, which
can range from hourly fees to a percentage of your assets paid annually.
If you do become incapacitated without having assigned power of attorney, the court will step
in to appoint a guardian. This process might cost your family well over $1,000, not including the
cost of the guardian's annual visits to court to report on your situation. Plus, the person chosen
may not be someone you would have picked. KNOWLEDGEFINANCIAL.COM
KNOWLEDGEFINANCIAL.COM
When you can't control your financial life, make sure
someone you trust will.
No one is immune from aging or the loss of mental clarity that may come with it. And you're
never immune to health crises that may leave you unable to handle the business of your life:
paying bills, managing investments, or making key financial decisions.
Granting someone you trust the power of attorney allows that person - known as your "agent"
or "attorney in fact" - to manage your financial affairs if you are unable to do so.
Your agent is empowered to sign your name and is obligated to be your fiduciary - meaning
they must act in your best financial interest at all times and in accordance with your wishes.
There are different kinds of powers of attorney, but in estate planning there are two essential
types you should know: ----KNOWLEDGEFINANCIAL.COM
The first is the "springing power of attorney," which only goes into effect under circumstances
that you specify, the most typical being when you become incapacitated.
Often that means your agent cannot act until he or she provides doctors' letters and
sometimes court orders to prove you are incapable of making decisions for yourself.
There is also the "durable power of attorney." It is effective immediately, and your agent does
not need to prove your incapacity in order to sign your name.
An attorney can help you decide which form makes the best sense for your circumstance. In
any case, take care in choosing your agent. That person should be competent, trustworthy,
willing to take on the burden of your affairs, and financially secure.
If you choose a relative or friend as your agent, you probably won't have to pay them. But if you
name a bank, lawyer, or other outside party, you will have to negotiate compensation, which
can range from hourly fees to a percentage of your assets paid annually.
If you do become incapacitated without having assigned power of attorney, the court will step
in to appoint a guardian. This process might cost your family well over $1,000, not including the
cost of the guardian's annual visits to court to report on your situation. Plus, the person chosen
may not be someone you would have picked. KNOWLEDGEFINANCIAL.COM
10 Things Estate Planning Can Do For You
1. Provide for your immediate family
You can provide for your surviving spouse through life insurance, particularly for
spouses who don't work outside the home. You can pass your property on to your
spouse and other members of your family, make sure you’ve selected a competent
person to settle the estate and protect your property while the estate is being settled,
and even take steps to protect your property from creditors. Without estate planning,
your beneficiaries will get less and they’ll get it later.
If you and your spouse should die before your children grow up, your will can assure
your children's education and upbringing by nominating personal guardians for them.
Otherwise, a court will appoint a guardian of the person and estate of your minor
children without your input.
The guardian of the person will decide where your children live, are educated, and
worship. The court-appointed guardian of the children’s estate (or property) will be
required to account to the court for the administration of the child’s estate, and this
accounting can be costly and could prevent your children from enjoying the style of
living you prefer for them. (See chapter 13.)
2. Provide for other relatives who need help and guidance
Do you have family members whose lives might become more difficult without you,
such as an elderly parent or disabled child, or a grandchild whose education you want
to assure? You can establish a special trust fund for family members who need
support that you won't be there to provide. (See chapters 9-10.)
3. Get your property to beneficiaries quickly-----
KNOWLEDGEFINANCIAL.COM
You want your beneficiaries to receive promptly the property you've left them. Probate
may not be a problem in your jurisdiction. If it is, you can avoid or simplify probate
through insurance, joint tenancy, a living trust or other means (chapters 3-5 and
chapter 11); and using simplified or expedited probate (chapter 29).
4. Ease the strain on your family
Ease the burden on your grieving survivors by planning your funeral arrangements
when planning your estate (see chapter 26). You can also limit the expense of your
burial or designate its place, and provide for your body to be cremated or given to
medical science after you die.
5. Minimize expenses
Good estate planning keeps the cost of transferring property to beneficiaries as low as
possible (See chapters 13-17).Choosing competent executors/trustees and giving
them the necessary authority will save money, reduce the burden on your survivors,
and simplify administration of your estate. It also will reduce a court's involvement and,
in many states, avoid paying for a bond. See chapters 27-28.
6. Reduce taxes on your estate
Every dollar your estate has to pay in estate or inheritance taxes is a dollar that your
beneficiaries won't get. A good estate plan can give the maximum allowed by law to
your beneficiaries and the minimum to the government. (See chapters 20-22.)
7. Make your retirement years easier.
Even though estate planning primarily benefits those you love and care about, you can
also coordinate your estate plan with retirement, health care and other benefits to help
you achieve the most comfortable final years while still providing for your loved ones.
(See chapters 18-19.)
8. Plan for incapacity ------ KNOWLEDHEFINANCIAL.COM
Health-care advance directives. living wills and durable health-care powers of attorney
enable you to decide in advance about life support and pick someone to make
decisions for you about medical treatment (see chapters 24 and 25). Some states
permit you to designate a personal guardian. Disability insurance can protect you and
your family if you should become disabled and unable to work.
9. Help a favorite cause
Your estate plan can help support religious, educational, and other charitable causes,
either during your lifetime or upon your death, and at the same time take advantage of
tax laws designed to encourage private philanthropy (see chapter 22).
10. Make sure your business goes on smoothly----
KNOWLEDGEFINANCIAL.COM
If you have a small business, you can provide for an orderly succession and
continuation of its affairs by spelling out what will happen to your interest in the
business
1. Provide for your immediate family
You can provide for your surviving spouse through life insurance, particularly for
spouses who don't work outside the home. You can pass your property on to your
spouse and other members of your family, make sure you’ve selected a competent
person to settle the estate and protect your property while the estate is being settled,
and even take steps to protect your property from creditors. Without estate planning,
your beneficiaries will get less and they’ll get it later.
If you and your spouse should die before your children grow up, your will can assure
your children's education and upbringing by nominating personal guardians for them.
Otherwise, a court will appoint a guardian of the person and estate of your minor
children without your input.
The guardian of the person will decide where your children live, are educated, and
worship. The court-appointed guardian of the children’s estate (or property) will be
required to account to the court for the administration of the child’s estate, and this
accounting can be costly and could prevent your children from enjoying the style of
living you prefer for them. (See chapter 13.)
2. Provide for other relatives who need help and guidance
Do you have family members whose lives might become more difficult without you,
such as an elderly parent or disabled child, or a grandchild whose education you want
to assure? You can establish a special trust fund for family members who need
support that you won't be there to provide. (See chapters 9-10.)
3. Get your property to beneficiaries quickly-----
KNOWLEDGEFINANCIAL.COM
You want your beneficiaries to receive promptly the property you've left them. Probate
may not be a problem in your jurisdiction. If it is, you can avoid or simplify probate
through insurance, joint tenancy, a living trust or other means (chapters 3-5 and
chapter 11); and using simplified or expedited probate (chapter 29).
4. Ease the strain on your family
Ease the burden on your grieving survivors by planning your funeral arrangements
when planning your estate (see chapter 26). You can also limit the expense of your
burial or designate its place, and provide for your body to be cremated or given to
medical science after you die.
5. Minimize expenses
Good estate planning keeps the cost of transferring property to beneficiaries as low as
possible (See chapters 13-17).Choosing competent executors/trustees and giving
them the necessary authority will save money, reduce the burden on your survivors,
and simplify administration of your estate. It also will reduce a court's involvement and,
in many states, avoid paying for a bond. See chapters 27-28.
6. Reduce taxes on your estate
Every dollar your estate has to pay in estate or inheritance taxes is a dollar that your
beneficiaries won't get. A good estate plan can give the maximum allowed by law to
your beneficiaries and the minimum to the government. (See chapters 20-22.)
7. Make your retirement years easier.
Even though estate planning primarily benefits those you love and care about, you can
also coordinate your estate plan with retirement, health care and other benefits to help
you achieve the most comfortable final years while still providing for your loved ones.
(See chapters 18-19.)
8. Plan for incapacity ------ KNOWLEDHEFINANCIAL.COM
Health-care advance directives. living wills and durable health-care powers of attorney
enable you to decide in advance about life support and pick someone to make
decisions for you about medical treatment (see chapters 24 and 25). Some states
permit you to designate a personal guardian. Disability insurance can protect you and
your family if you should become disabled and unable to work.
9. Help a favorite cause
Your estate plan can help support religious, educational, and other charitable causes,
either during your lifetime or upon your death, and at the same time take advantage of
tax laws designed to encourage private philanthropy (see chapter 22).
10. Make sure your business goes on smoothly----
KNOWLEDGEFINANCIAL.COM
If you have a small business, you can provide for an orderly succession and
continuation of its affairs by spelling out what will happen to your interest in the
business
| The Five Wishes OF LIVING WILL KNOWLEDGEFINANCIAL.COM Wishes 1 and 2 are both legal documents. Once signed, they meet the legal requirements for an advance directive in the states listed below. Wishes 3, 4 and 5 are unique to Five Wishes, in that they address matters of comfort care, spirituality, forgiveness, and final wishes. Wish 1: The Person I Want to Make Care Decisions for Me When I Can't This section is an assignment of a health care agent (also called proxy, surrogate, representative or health care power of attorney). This person makes medical decisions on your behalf if you are unable to speak for yourself. Wish 2: The Kind of Medical Treatment I Want or Don't Want This section is a living will--a definition of what life support treatment means to you, and when you would and would not want it. Wish 3: How Comfortable I Want to Be This section addresses matters of comfort care--what type of pain management you would like, personal grooming and bathing instructions, and whether you would like to know about options for hospice care, among others. Wish 4: How I Want People to Treat Me This section speaks to personal matters, such as whether you would like to be at home, whether you would like someone to pray at your bedside, among others. Wish 5: What I Want My Loved Ones to Know This section deals with matters of forgiveness, how you wish to be remembered and final wishes regarding funeral or memorial plans. Signing and Witnessing Requirements The last portion of the document contains a section for signing the document and having ------------KNOWLEDGEFINANCIAL.COM |
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Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and other
dependents with the funds necessary to maintain their standards of living, can help repay debt,
and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
INSURANCE TAXES:
The Death Tax Isn’t Dead--
State death-tax planning should be an important aspect of the estate-
planning process. LEARN MORE...
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid personal financial
plan. The right insurance policies will go a long way toward helping you safeguard your earning
power and your possessions.
TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and
invest the difference.
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways against the cost of
accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND
AFTER DEATH. INSURANCE GENERAL KNOWLEDGE, GLOBAL INSURANCE
INFORMATION FOR BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS
& RESOURCES. LEARN MORE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING IMMEDIATELY WITH
ONE OF THE GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT, FREE BOOKS FOR
THOSE WHO LIVE IN MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or
from liability for damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary on their
daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration in order to
obtain the best coverage for your needs at a reasonable price. For instance, how much is your
vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a catastrophe
and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay for. The least
costly homeowners insurance will likely give you the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium
(age and family medical history), there are steps you can take regarding the third - lifestyle. You
could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for
“year”. In the context of life insurance, it is a contract between you and an insurance company
under which the insurance company pays you money for a stipulated period.
Life insurance, payable when you die, can provide a surviving spouse, children, and other
dependents with the funds necessary to maintain their standards of living, can help repay debt,
and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
INSURANCE TAXES:
The Death Tax Isn’t Dead--
State death-tax planning should be an important aspect of the estate-
planning process. LEARN MORE...
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid personal financial
plan. The right insurance policies will go a long way toward helping you safeguard your earning
power and your possessions.
TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and
invest the difference.
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways against the cost of
accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND
AFTER DEATH. INSURANCE GENERAL KNOWLEDGE, GLOBAL INSURANCE
INFORMATION FOR BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS
& RESOURCES. LEARN MORE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING IMMEDIATELY WITH
ONE OF THE GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT, FREE BOOKS FOR
THOSE WHO LIVE IN MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or
from liability for damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary on their
daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration in order to
obtain the best coverage for your needs at a reasonable price. For instance, how much is your
vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a catastrophe
and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay for. The least
costly homeowners insurance will likely give you the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium
(age and family medical history), there are steps you can take regarding the third - lifestyle. You
could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for
“year”. In the context of life insurance, it is a contract between you and an insurance company
under which the insurance company pays you money for a stipulated period.
| CREDIT:--- CREDIT: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE HAVE VALUABLE INFORMATION TO HELP YOU. LEARN MORE... INVESTING:--- INVESMENT: METHOD AND TECHNIQUES TO INVEST IN TODAY'S MARKET FOR A BETTER TOMORROW! CREDIT REPORT:--- Consumer Credit Report: What's On It? Your Access to Free Credit Reports. How do I get my free online Credit Report? SAVING MONEY:---SAVING MONEY IMPORTANT TIPS... 66 WAYS TO SAVE MONEY CREDIT INFO:--- REVEAL GUARDED SECRETS OF AMERICAN CREDIT SYSTEM. Your credit has to do with everything in life today. Credit Repair: Self Help May Be Best. MORTGAGE GENERAL INFORMATION:--- FLORIDA REAL ESTATE FINANCING & REFINANCING, MORTGAGE HOME LOANS... ID-THEFT--- HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY THEFT? ----- DETER, DETECT AND DEFEND? REAL ESTATE INFORMATION CENTER:--- Information You'll Need to Succeed in Your Real Estate Investments. MONEY MAKING MACHINE REAL ESTATE INVESTMENT OPPORTUNITIES FOR ALL!.. CREDIT CARDS:--- Six Smart Credit Card Strategies. Have a questions about credit cards? We have answers the top ten most frequently asked credit card questions. PROTECTION AGAINST IDENTITY THEFT:--- DEFEND YOURSELF AGAINST IDENTITY THEFT; LEARN THE IMPORTANT METHODS AND TECHNIQUES TO RECOVER FROM ID THEFT! CREDIT HELP:--- Understanding Your Debt Collection Rights. LEARN THE REAL TRUTH ABOUT CREDIT REPAIR! How to Use Your Credit Clout: Credit Laws That are on Your Side? BANKING FINANCE Knowledge:--- The more you know the closer you are to accomplish great success. CREDIT RATING:--- THE IMPORTANCE OF YOUR CREDIT RATING. Tips to Improve or Maintain a High Credit Score... Credit Card Fraud: 21 Tips to Protect Yourself TAXES:--- TAX KNOWLEDGE: MEANING TAX SAVING, EQUAL MORE MONEY FOR YOU! TAX SAVING, TAX HELP: What to do if you Can’t Pay your Tax Bill? How to Cut Your Property Taxes GOVERNMENT:--- Government's general information; Local, State, and Federal, and Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach County. THE BLOG:--- WHERE AND HOW TO FIND MONEY TO INVEST IN REAL ESTATE? THE MOST LUCRATIVE, SECURED PROFITABLE BUSINESS? FINANCIAL HELP:--- FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY, TO MAKE MONEY, AND GET OUT OF DEBT! |
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and
invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
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BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU
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simple rule of financial success.
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..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
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Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF SUCCESS...
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TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN INVESTOR DECIDES TO
INVEST IN REAL ESTATE...
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Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
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Dubai- The World Largest, Biggest, Tallest, Greatest of Almost Everything.
Learn more about this magnificent place and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About Copyright Registration.
The procedure for copyright registration.
Do I need copyright protection? How do I register? Learn More!
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..AUTO LOANS: Read this first before taking a car loan. What to avoid when financing a car..
invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the insurance companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU
CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is the most important and
simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN INVESTOR DECIDES TO
INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every investors should know
about...--
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RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... Learn More!
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About Finance.
Dubai- The World Largest, Biggest, Tallest, Greatest of Almost Everything.
Learn more about this magnificent place and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About Copyright Registration.
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---ESTATE TAX EXEMPTION---- KNOWLEDGEFINANCIAL.COM
The estate tax in the United States is a tax imposed on the transfer of the "taxable
estate" of a deceased person, whether such property is transferred via a will, according
to the state laws of intestacy or otherwise made as an incident of the death of the
owner, such as a transfer of property from an intestate estate or trust,
or the payment of certain life insurance benefits or financial account sums to
beneficiaries. The estate tax is one part of the Unified Gift and Estate Tax system in the
United States. The other part of the system, the gift tax, imposes a tax on transfers of
property during a person's life; the gift tax prevents avoidance of the estate tax should a
person want to give away his/her estate.
In addition to the federal government, many states also impose an estate tax, with the
state version called either an estate tax or an inheritance tax. Since the 1990s,
opponents of the tax have used the pejorative term "death tax." The equivalent tax in the
United Kingdom has always been referred to as "death duties."
If an asset is left to a spouse or a charitable organization, the tax usually does not apply.
''Estate tax in the United States''--
The estate tax in the United States is a tax imposed on the transfer of the "taxable
estate" of a deceased person, whether such property is transferred via a will, according
to the state laws of intestacy or otherwise made as an incident of the death of the
owner, such as a transfer of property from an intestate estate or trust,
or the payment of certain life insurance benefits or financial account sums to
beneficiaries. The estate tax is one part of the Unified Gift and Estate Tax system in the
United States. The other part of the system, the gift tax, imposes a tax on transfers of
property during a person's life; the gift tax prevents avoidance of the estate tax should a
person want to give away his/her estate.
In addition to the federal government, many states also impose an estate tax, with the
state version called either an estate tax or an inheritance tax. Since the 1990s,
opponents of the tax have used the pejorative term "death tax." The equivalent tax in the
United Kingdom has always been referred to as "death duties."
If an asset is left to a spouse or a charitable organization, the tax usually does not apply.
''Estate tax in the United States''--
TAX EXEMPT LIFE INSURANCE // Maximizing Life Insurance Benefits..--
KNOWLEDGEFINANCIAL.COM
Life insurance has long been a staple in basic estate planning. Life insurance may provide an
income tax-free death benefit1 far in excess of the premiums paid. However, much of the life
insurance proceeds may be wasted if the ownership and beneficiary designations are not
properly structured.
Because of federal and/or state estate taxes, a tax may be imposed on all the property that
you own at your death. This tax must be paid from your estate.
This tax does not attach if, as a general rule, your property is valued at less than your estate
tax exemption amount.2 If you own a life insurance policy, or you or your estate are named as
beneficiary, the policy death benefit will increase your estate. If, after including your life
insurance death benefit proceeds, your estate is still valued at less than your estate tax
exemption amount,2 no federal estate tax will be assessed. Therefore, your policy's death
benefit proceeds can be directed to any of your heirs, and need not be used to pay your estate
tax liability.
If you own property in excess of your estate tax exemption amount,2 you may have a taxable
estate. If you own a life insurance policy or name either yourself or your estate as beneficiary,
you may have exposed the policy's death benefit proceeds to estate taxes.
For this reason, when estate tax is a concern, an insurance policy on your life is usually best
owned by someone else. You can establish an irrevocable trust to be the owner and
beneficiary of your life insurance policy. Alternatively, you might have your adult children own,
and be beneficiaries of the policy. Either may avoid inclusion of policy proceeds in your
estate.-------KNOWLEDGEFINANCIAL.COM
Meanwhile, third-party owners may be able to lend these proceeds to, or purchase assets
from, your estate to provide cash to satisfy your estate tax liability. (If you make your spouse
the owner of a policy on your life, you should ensure that, if your spouse dies before you, you
will not end up owning the policy either through a provision in your spouse's will or a living
trust.)
Even where the owner is a third party, if the beneficiary dies before you (the insured), the
proceeds may be paid to your estate. Naming a contingent beneficiary to the policy will ensure
that the proceeds will go directly to that person, thus avoiding probate and estate taxes. The
"Rule of Two" holds that a policy should always have at least two contingent beneficiaries in
order to avoid such problems.--knowledgefinancial.com
You should remember that any gift of life insurance to a third party (except to your spouse)
may carry with it gift tax consequences. Additionally, if you fail to survive your gift by three
KNOWLEDGEFINANCIAL.COM
Life insurance has long been a staple in basic estate planning. Life insurance may provide an
income tax-free death benefit1 far in excess of the premiums paid. However, much of the life
insurance proceeds may be wasted if the ownership and beneficiary designations are not
properly structured.
Because of federal and/or state estate taxes, a tax may be imposed on all the property that
you own at your death. This tax must be paid from your estate.
This tax does not attach if, as a general rule, your property is valued at less than your estate
tax exemption amount.2 If you own a life insurance policy, or you or your estate are named as
beneficiary, the policy death benefit will increase your estate. If, after including your life
insurance death benefit proceeds, your estate is still valued at less than your estate tax
exemption amount,2 no federal estate tax will be assessed. Therefore, your policy's death
benefit proceeds can be directed to any of your heirs, and need not be used to pay your estate
tax liability.
If you own property in excess of your estate tax exemption amount,2 you may have a taxable
estate. If you own a life insurance policy or name either yourself or your estate as beneficiary,
you may have exposed the policy's death benefit proceeds to estate taxes.
For this reason, when estate tax is a concern, an insurance policy on your life is usually best
owned by someone else. You can establish an irrevocable trust to be the owner and
beneficiary of your life insurance policy. Alternatively, you might have your adult children own,
and be beneficiaries of the policy. Either may avoid inclusion of policy proceeds in your
estate.-------KNOWLEDGEFINANCIAL.COM
Meanwhile, third-party owners may be able to lend these proceeds to, or purchase assets
from, your estate to provide cash to satisfy your estate tax liability. (If you make your spouse
the owner of a policy on your life, you should ensure that, if your spouse dies before you, you
will not end up owning the policy either through a provision in your spouse's will or a living
trust.)
Even where the owner is a third party, if the beneficiary dies before you (the insured), the
proceeds may be paid to your estate. Naming a contingent beneficiary to the policy will ensure
that the proceeds will go directly to that person, thus avoiding probate and estate taxes. The
"Rule of Two" holds that a policy should always have at least two contingent beneficiaries in
order to avoid such problems.--knowledgefinancial.com
You should remember that any gift of life insurance to a third party (except to your spouse)
may carry with it gift tax consequences. Additionally, if you fail to survive your gift by three
What is a life insurance trust?
Please remember that this answer is provided in the spirit of public education, not as legal advice. If you
require legal advice for a particular situation, you should consult an attorney. ---KNOWLEDGEFINANCIAL.COM
A life insurance trust is a trust that is set up for the purpose of owning a life insurance policy. If the insured is
the owner of the policy, the proceeds of the policy will be subject to estate tax when he dies. But if he
transfers ownership to a life insurance trust, the proceeds will be completely free of estate tax. (The proceeds
will be exempt from income tax either way.)
Given the current estate tax rate of 45%, a life insurance trust can save hundreds of thousands of dollars in
estate taxes. However, there are several drawbacks to such an arrangement:
1. You can't change the beneficiary of the policy.
The insured must give up the right to change the beneficiary of the policy (the trust itself will be the
beneficiary). The trustee alone has that right, and the insured cannot serve as trustee of his own life
insurance trust.
Of course, the insured will designate the beneficiaries of the trust (for example, his children). But because
this designation cannot be changed after the life insurance trust has been set up, the insured will lack the
flexibility to deal with changed family circumstances with this particular policy.
2. You can't borrow from the policy.
The insured can no longer borrow against the policy. If the trust allows him to borrow against the policy, he
will be deemed to be an owner of the policy for estate tax purposes.
3. You can't transfer an existing policy to the trust -- unless you live for at least 3 more years.
If the insured transfers an existing policy to a life insurance trust and dies within the next three years, he will
be treated as the owner of the policy and it will be taxed in his estate. Even if he survives another three
years, he will have made a taxable gift in the amount of the cash value of the policy (of course, this is usually
preferable to having the entire face value subjected to estate taxes). If the life insurance trust takes out a
new policy on the insured's life, however, the insured will never be deemed to own the policy. Furthermore,
no cash value will have built up yet, so no taxable gift will be made.
4. The life insurance trust must be irrevocable.
Once you set up and fund the trust, you cannot get the policy back. If you become uninsurable, you will be
committed to this trust as your only life insurance.
5. Premium payments may use up your estate tax exemption.
If the policy has not yet endowed, you must find a way to pay the premiums without using up your estate and
gift tax exemption. If you transfer securities to the trust so that the trustee will have income with which to pay
the premiums, the full value of the securities will be a taxable gift.
If you transfer cash to the trust each year to pay the premiums, each transfer will be a taxable gift. However,
you may be able to exempt these premium payments from gift or estate taxes by setting the life insurance
trust up as a Crummey Trust (see the FAQ on Crummey Trusts). Then each premium payment can be sheltered
by your annual gift tax exclusion, which is $13,000 (indexed for inflation) per trust beneficiary.
6. You must find or hire a trustee.
The insured cannot serve as trustee of the life insurance trust. That means that he will have to find or hire a
third party trustee. However, many banks and trust companies offer reduced fees for life insurance trusts
because they involve essentially no investing decisions. ------KNOWLEDGEFINANCIAL.COM
Despite these drawbacks, many people find that the tax saving potential of a life insurance trust is worth the
cost and hassle. It allows you to remove from your estate a significant asset that you are unlikely to want
access to during your life. And it ensures that the life insurance proceeds go 100% to the beneficiaries, not
the federal government.
Please remember that this answer is provided in the spirit of public education, not as legal advice. If you
require legal advice for a particular situation, you should consult an attorney. ---KNOWLEDGEFINANCIAL.COM
A life insurance trust is a trust that is set up for the purpose of owning a life insurance policy. If the insured is
the owner of the policy, the proceeds of the policy will be subject to estate tax when he dies. But if he
transfers ownership to a life insurance trust, the proceeds will be completely free of estate tax. (The proceeds
will be exempt from income tax either way.)
Given the current estate tax rate of 45%, a life insurance trust can save hundreds of thousands of dollars in
estate taxes. However, there are several drawbacks to such an arrangement:
1. You can't change the beneficiary of the policy.
The insured must give up the right to change the beneficiary of the policy (the trust itself will be the
beneficiary). The trustee alone has that right, and the insured cannot serve as trustee of his own life
insurance trust.
Of course, the insured will designate the beneficiaries of the trust (for example, his children). But because
this designation cannot be changed after the life insurance trust has been set up, the insured will lack the
flexibility to deal with changed family circumstances with this particular policy.
2. You can't borrow from the policy.
The insured can no longer borrow against the policy. If the trust allows him to borrow against the policy, he
will be deemed to be an owner of the policy for estate tax purposes.
3. You can't transfer an existing policy to the trust -- unless you live for at least 3 more years.
If the insured transfers an existing policy to a life insurance trust and dies within the next three years, he will
be treated as the owner of the policy and it will be taxed in his estate. Even if he survives another three
years, he will have made a taxable gift in the amount of the cash value of the policy (of course, this is usually
preferable to having the entire face value subjected to estate taxes). If the life insurance trust takes out a
new policy on the insured's life, however, the insured will never be deemed to own the policy. Furthermore,
no cash value will have built up yet, so no taxable gift will be made.
4. The life insurance trust must be irrevocable.
Once you set up and fund the trust, you cannot get the policy back. If you become uninsurable, you will be
committed to this trust as your only life insurance.
5. Premium payments may use up your estate tax exemption.
If the policy has not yet endowed, you must find a way to pay the premiums without using up your estate and
gift tax exemption. If you transfer securities to the trust so that the trustee will have income with which to pay
the premiums, the full value of the securities will be a taxable gift.
If you transfer cash to the trust each year to pay the premiums, each transfer will be a taxable gift. However,
you may be able to exempt these premium payments from gift or estate taxes by setting the life insurance
trust up as a Crummey Trust (see the FAQ on Crummey Trusts). Then each premium payment can be sheltered
by your annual gift tax exclusion, which is $13,000 (indexed for inflation) per trust beneficiary.
6. You must find or hire a trustee.
The insured cannot serve as trustee of the life insurance trust. That means that he will have to find or hire a
third party trustee. However, many banks and trust companies offer reduced fees for life insurance trusts
because they involve essentially no investing decisions. ------KNOWLEDGEFINANCIAL.COM
Despite these drawbacks, many people find that the tax saving potential of a life insurance trust is worth the
cost and hassle. It allows you to remove from your estate a significant asset that you are unlikely to want
access to during your life. And it ensures that the life insurance proceeds go 100% to the beneficiaries, not
the federal government.
''-Inheritance tax''-
What's the difference between an inheritance tax and an estate tax?
''- Frequently Asked Questions on Estate Taxes''- IRS ANSWERS
Please remember that this answer is provided in the spirit of public education, not as legal advice. If
you require legal advice for a particular situation, you should consult an attorney.
An inheritance tax is a tax imposed on the people (beneficiaries) who receive property from the
deceased. The tax is calculated separately for each beneficiary, and each beneficiary is responsible for
paying his or her own inheritance taxes. Those states that have inheritance taxes frequently tax
spouses and children of the deceased at lower rates than other heirs.
An estate tax is a tax imposed on the deceased's estate as a whole. The executor fills out a single
estate tax return and pays the tax out of the estate's funds. The heirs will only be held liable for the tax if
the executor fails to pay it.
The federal government imposes an estate tax on all citizens and residents of the United States. It
imposes no inheritance tax. Every estate gets an estate tax deduction for all property received by the
deceased's spouse, as well as a $3.5 million standard exemption for all other property. Thus, many
middle class Americans will owe no federal estate tax.
-----------------------------------------------
Who will get my property if I die without a will?
Please remember that this answer is provided in the spirit of public education, not as legal advice. If
you require legal advice for a particular situation, you should consult an attorney.
In Texas, property is inherited as follows in the absence of a will:
1. If you are married: ---knowledgefinancial.com
If all of your children are also the children of your current spouse, then your spouse will inherit all of
your community property. Your children will inherit a two-thirds interest in every item of your separate
property. The remaining one-third of each item of separate property will go to your spouse, but if the item
is real estate, it returns to your children upon the death of your spouse.
If you have children from a previous marriage, your children will inherit all of your half of the community
property. Your spouse will keep her half of the community property. Your separate property will be
distributed the same way as in the previous paragraph.
If you have no children, your spouse will inherit all of your community property. Separate property that is
not real estate will also go to your spouse. Separate real estate will go half to your spouse, one fourth to
your mother, and one fourth to your father. If either parent is deceased, that parent's share will be
inherited by your siblings if they survive you. If none of your parents or siblings (or their descendants)
survive you, your spouse will inherit all of your separate real estate.
To determine whether an asset is community property or separate
property, see my FAQ on community and separate property.
2. If you are not married (this includes being widowed or divorced):
Your children will inherit all of your property equally. If any child has died before you, his share will go
to his children. If he has no children, it will go to your surviving children. If a child of a deceased child
is also deceased but has left a child of his own (your great-grandchild), that great-grandchild will get its
parent's share of your estate, and so on.
If you have no children, your father will inherit half of your property, and your mother will inherit the
other half. If either parent is deceased, your siblings will inherit that parent's share. If a sibling is
deceased but has left a child (your niece or nephew), that child will inherit its parent's share, and so on.
If a sibling is deceased and has left no children, the surviving siblings will take that sibling's share. If
neither of your parents nor any of their descendants survive you, your grandparents will inherit your
estate equally. If either grandparent has died before you, their descendants (your aunts, uncles, and
cousins) will inherit your estate. ---knowledgefinancial.com
What's the difference between an inheritance tax and an estate tax?
''- Frequently Asked Questions on Estate Taxes''- IRS ANSWERS
Please remember that this answer is provided in the spirit of public education, not as legal advice. If
you require legal advice for a particular situation, you should consult an attorney.
An inheritance tax is a tax imposed on the people (beneficiaries) who receive property from the
deceased. The tax is calculated separately for each beneficiary, and each beneficiary is responsible for
paying his or her own inheritance taxes. Those states that have inheritance taxes frequently tax
spouses and children of the deceased at lower rates than other heirs.
An estate tax is a tax imposed on the deceased's estate as a whole. The executor fills out a single
estate tax return and pays the tax out of the estate's funds. The heirs will only be held liable for the tax if
the executor fails to pay it.
The federal government imposes an estate tax on all citizens and residents of the United States. It
imposes no inheritance tax. Every estate gets an estate tax deduction for all property received by the
deceased's spouse, as well as a $3.5 million standard exemption for all other property. Thus, many
middle class Americans will owe no federal estate tax.
-----------------------------------------------
Who will get my property if I die without a will?
Please remember that this answer is provided in the spirit of public education, not as legal advice. If
you require legal advice for a particular situation, you should consult an attorney.
In Texas, property is inherited as follows in the absence of a will:
1. If you are married: ---knowledgefinancial.com
If all of your children are also the children of your current spouse, then your spouse will inherit all of
your community property. Your children will inherit a two-thirds interest in every item of your separate
property. The remaining one-third of each item of separate property will go to your spouse, but if the item
is real estate, it returns to your children upon the death of your spouse.
If you have children from a previous marriage, your children will inherit all of your half of the community
property. Your spouse will keep her half of the community property. Your separate property will be
distributed the same way as in the previous paragraph.
If you have no children, your spouse will inherit all of your community property. Separate property that is
not real estate will also go to your spouse. Separate real estate will go half to your spouse, one fourth to
your mother, and one fourth to your father. If either parent is deceased, that parent's share will be
inherited by your siblings if they survive you. If none of your parents or siblings (or their descendants)
survive you, your spouse will inherit all of your separate real estate.
To determine whether an asset is community property or separate
property, see my FAQ on community and separate property.
2. If you are not married (this includes being widowed or divorced):
Your children will inherit all of your property equally. If any child has died before you, his share will go
to his children. If he has no children, it will go to your surviving children. If a child of a deceased child
is also deceased but has left a child of his own (your great-grandchild), that great-grandchild will get its
parent's share of your estate, and so on.
If you have no children, your father will inherit half of your property, and your mother will inherit the
other half. If either parent is deceased, your siblings will inherit that parent's share. If a sibling is
deceased but has left a child (your niece or nephew), that child will inherit its parent's share, and so on.
If a sibling is deceased and has left no children, the surviving siblings will take that sibling's share. If
neither of your parents nor any of their descendants survive you, your grandparents will inherit your
estate equally. If either grandparent has died before you, their descendants (your aunts, uncles, and
cousins) will inherit your estate. ---knowledgefinancial.com
Why do I need a will?--knowledgefinancial.com
Please remember that this answer is provided in the spirit of public education, not as legal advice. If
you require legal advice for a particular situation, you should consult an attorney.
1. You have minor children.
You should write a will in order to appoint guardians for your minor children, and trustees to manage
their property. If you do not leave a will, the court may appoint a guardian whom you would not have
chosen.
You also need to write a will in order to prevent minor children from inheriting real estate outright.
Although minors have the legal capacity to own property, they do not have legal capacity to manage it.
If your children inherit a share of your house, your spouse would not be able to sell it, rent it out, or
even refinance the mortgage without a court order. Getting court orders is expensive and time
consuming. Although children generally do not inherit community property in the absence of a will, they
do inherit a share of your separate property. In many families, the primary residence is partly separate
property because the down payment was made with a gift from parents or with money earned by the
spouses before marriage. (See the FAQ on community property.)
2. You have no children.
Do you know what would happen to your property if you died right now without a will? You might be
surprised to find out that your spouse might not inherit everything. If you and your spouse have no
children, your parents or siblings might inherit part of your home and become co-owners with your
spouse. Your spouse would not be able to sell the house or other property without their permission,
and vice versa. If you want to remember your parents or siblings in your will, it is best to leave them
specific pieces of property that they will not have to share with your spouse. A will can accomplish this.
3. You have a large family.--knowledgefinancial.com
All of your heirs will become co-owners of every asset you own, and will have to manage all the
property together. They may not live in the same state, or they may not be able to agree on what should
be done with the property. The more heirs you have, the more money and effort they will have to spend
trying to get organized. With a will, you could leave specific assets to specific heirs, or put one heir in
charge as trustee for the others. Either way, writing a will would save your heirs significant hassle and
expense. It could also prevent major feuding.
4. You own real estate.
In the absence of a will, real estate is likely to be inherited by minors or numerous co-owners, and
either result will be costly. A little estate planning now can save your heirs significant expense and
trouble later.
5. None of the above.
Even if you do not think you need a will, you should still see an estate planner to draw up powers of
attorney for health care and financial matters. If you become incapacitated by illness or accident, a
power of attorney will be critical to allow a friend or loved one to pay your bills and make health care
decisions for you. These simple documents not only save money later, but they give you the security of
knowing things will be taken care of in your absence. ---KNOWLEDGEFINANCIAL.COM
Please remember that this answer is provided in the spirit of public education, not as legal advice. If
you require legal advice for a particular situation, you should consult an attorney.
1. You have minor children.
You should write a will in order to appoint guardians for your minor children, and trustees to manage
their property. If you do not leave a will, the court may appoint a guardian whom you would not have
chosen.
You also need to write a will in order to prevent minor children from inheriting real estate outright.
Although minors have the legal capacity to own property, they do not have legal capacity to manage it.
If your children inherit a share of your house, your spouse would not be able to sell it, rent it out, or
even refinance the mortgage without a court order. Getting court orders is expensive and time
consuming. Although children generally do not inherit community property in the absence of a will, they
do inherit a share of your separate property. In many families, the primary residence is partly separate
property because the down payment was made with a gift from parents or with money earned by the
spouses before marriage. (See the FAQ on community property.)
2. You have no children.
Do you know what would happen to your property if you died right now without a will? You might be
surprised to find out that your spouse might not inherit everything. If you and your spouse have no
children, your parents or siblings might inherit part of your home and become co-owners with your
spouse. Your spouse would not be able to sell the house or other property without their permission,
and vice versa. If you want to remember your parents or siblings in your will, it is best to leave them
specific pieces of property that they will not have to share with your spouse. A will can accomplish this.
3. You have a large family.--knowledgefinancial.com
All of your heirs will become co-owners of every asset you own, and will have to manage all the
property together. They may not live in the same state, or they may not be able to agree on what should
be done with the property. The more heirs you have, the more money and effort they will have to spend
trying to get organized. With a will, you could leave specific assets to specific heirs, or put one heir in
charge as trustee for the others. Either way, writing a will would save your heirs significant hassle and
expense. It could also prevent major feuding.
4. You own real estate.
In the absence of a will, real estate is likely to be inherited by minors or numerous co-owners, and
either result will be costly. A little estate planning now can save your heirs significant expense and
trouble later.
5. None of the above.
Even if you do not think you need a will, you should still see an estate planner to draw up powers of
attorney for health care and financial matters. If you become incapacitated by illness or accident, a
power of attorney will be critical to allow a friend or loved one to pay your bills and make health care
decisions for you. These simple documents not only save money later, but they give you the security of
knowing things will be taken care of in your absence. ---KNOWLEDGEFINANCIAL.COM
'Rollover Account // Retirement Plan // Life Insurance // IRA/Roth IRA // Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Buyheremarket
'Rollover Account // Retirement Plan // Life Insurance // IRA/Roth IRA // Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Buyheremarket
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| Estate Planning: 16 Things To Do Before You Die While many of us like to think that we're immortal, the old joke is that only two things in life are for sure: death and taxes. Not only is it important that you have a plan in place in the unlikely event of your death, but you must also implement your plan and make sure others know about it and understand your wishes - as Benjamin Franklin's famous quote goes, "by failing to prepare, you are preparing to fail". If you've procrastinated on your estate planning, these 16 steps will you get going in the right direction. Estate Planning What Does Estate Planning Mean? The collection of preparation tasks that serve to manage an individual's asset base in the event of their incapacitation or death, including the bequest of assets to heirs and the settlement of estate taxes. Most estate plans are set up with the help of an attorney experienced in estate law. Some of the major estate planning tasks include: -1. Creating a will - 2 .Limiting estate taxes by setting up trust accounts in the name of beneficiaries - 3. Establishing a guardian for living dependents - 4 .Naming an executor of the estate to oversee the terms of the will - 5 .Creating/updating beneficiaries on plans such as life insurance, IRAs and 401(k)s - 6.Setting up funeral arrangements - 7 .Establishing annual gifting to reduce the taxable estate - 8.Setting up durable power of attorney (POA) to direct other assets and investments KNOWLEDGEFINANCIAL.COM -Explains 9. Estate Planning Estate planning is an ongoing process and should be started as soon as one has any measurable asset base. As life progresses and goals shift, the estate plan should move to be in line with new goals. Lack of adequate estate planning can cause undue financial burdens to loved ones (estate taxes can run higher than 40%), so at the very least a will should be set up even if the taxable estate is not large. |
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| '' Retirement: Turn your retirement dreams into a plan. Find out what you need to do to maximize your retirement saving. The sooner you take action, the better it is for compound interest. READ MORE... Read . Watch. Listen. Practice. Learn. From Knowledge Financial Group - Knowledgefinancial.com |
// Retirement Planning // Rollover Account // Social Security // Life Insurance // IRA/Roth IRA
// Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Financial Planning //
- Personal Finance // = Affirmative Action - // - Terminsurance // = Custodial Account - //
Inurancequote = // Self Directed IRA //=
// Estate Planning // Annuity // Trust Account // Pension Plan // Living Trust // Financial Planning //
- Personal Finance // = Affirmative Action - // - Terminsurance // = Custodial Account - //
Inurancequote = // Self Directed IRA //=
WHEN PEOPLE HAVE A TRUST,
THEY KEEP MORE OF THEIR
ASSETS...
THEY KEEP MORE OF THEIR
ASSETS...
WHEN PEOPLE DON'T HAVE A
TRUST, MOST OF THEIR
ASSETS GO TO LAWYERS,
TAXES, COURT FEES. ETC
TRUST, MOST OF THEIR
ASSETS GO TO LAWYERS,
TAXES, COURT FEES. ETC
Generational Wealth: Why do About 70% of Families Lose Their Wealth in the 2nd Generation?
Generational wealth is an aspect of financial planning that is geared toward passing down stable, significant financial resources to future generations.
But can anyone really teach wealth?
If all it took was knowledge to become wealthy, then most business people, professors, financial planners and others would be very wealthy.
The reason they’re not is because becoming wealthy requires a lot more than knowledge. It requires hard work, discipline, risks taking, sacrifice, taking
action, seize opportunities .and many other traits that are very hard to teach and pass on
--------------
The families that do maintain their multi-generational wealth are able to do so by communicating with the next generations in a very straightforward manner.
The rules they live by to do this are very simple but not always easy. These tips can be used by anyone who wants to have a successful conversation about
wealth with their children.
1. Having Lines of Communication: Open communication builds the trust that is the basis for sustaining your family’s wealth
-----------
Get your affairs in order
Don’t wait until you have a medical issue or are well into retirement to get everything in order to pass down your wealth. Life is uncertain. Some things you
can do to prepare include:
Having an up-to-date will (or one at all)
Consider buying life insurance if necessary for protecting your beneficiaries. -- Creating an estate plan
Setting up custodial accounts
Naming beneficiaries for your financial accounts
These actions can ensure a smooth transition of wealth and will minimize headaches for everyone later.
---------
3. Share Decision Making: More often than not, beneficiaries of family wealth are unable to properly manage what they’ve inherited.
Often this is the result of decisions made by the earlier generations regarding the members' involvement with decisions made managing the wealth.
By keeping the next generation out of the decision-making process can lead to serious dysfunction and lead to a serious lack of understanding about how
the wealth is managed
--------------
4. Make a Plan: Here is where you develop a clear goal that plan the direction of the wealth so it is sustained for future generations.
Lacking a proper plan could result in the wealth being lost for future generations to taxes, poor investments and unprepared recipients of the wealth.
His plan should be a roadmap providing in-site on how the wealth should be managed and invested for future generations.
Generational wealth is an aspect of financial planning that is geared toward passing down stable, significant financial resources to future generations.
But can anyone really teach wealth?
If all it took was knowledge to become wealthy, then most business people, professors, financial planners and others would be very wealthy.
The reason they’re not is because becoming wealthy requires a lot more than knowledge. It requires hard work, discipline, risks taking, sacrifice, taking
action, seize opportunities .and many other traits that are very hard to teach and pass on
--------------
The families that do maintain their multi-generational wealth are able to do so by communicating with the next generations in a very straightforward manner.
The rules they live by to do this are very simple but not always easy. These tips can be used by anyone who wants to have a successful conversation about
wealth with their children.
1. Having Lines of Communication: Open communication builds the trust that is the basis for sustaining your family’s wealth
-----------
Get your affairs in order
Don’t wait until you have a medical issue or are well into retirement to get everything in order to pass down your wealth. Life is uncertain. Some things you
can do to prepare include:
Having an up-to-date will (or one at all)
Consider buying life insurance if necessary for protecting your beneficiaries. -- Creating an estate plan
Setting up custodial accounts
Naming beneficiaries for your financial accounts
These actions can ensure a smooth transition of wealth and will minimize headaches for everyone later.
---------
3. Share Decision Making: More often than not, beneficiaries of family wealth are unable to properly manage what they’ve inherited.
Often this is the result of decisions made by the earlier generations regarding the members' involvement with decisions made managing the wealth.
By keeping the next generation out of the decision-making process can lead to serious dysfunction and lead to a serious lack of understanding about how
the wealth is managed
--------------
4. Make a Plan: Here is where you develop a clear goal that plan the direction of the wealth so it is sustained for future generations.
Lacking a proper plan could result in the wealth being lost for future generations to taxes, poor investments and unprepared recipients of the wealth.
His plan should be a roadmap providing in-site on how the wealth should be managed and invested for future generations.
How to Build Generational Wealth [And Create A Money Legacy?
What is Generational Wealth?
Generational wealth is the wealth that you received from your family or one that you create and will pass onto the next generation. Many times this is referred to as
“family wealth” as it continues to be passed down from generation to generation.
If you educate the next generation and plan carefully, your wealth will pass on from one generation to the next, with your money helping provide for ---your great-
great-great-grandchildren!
-------
Why is generational wealth important?
Generational wealth is important because it puts your financial situation into perspective and helps you plan for the future. If you’re able to save for your children’s
college education it could help set them up for life and give them a necessary career boost
--------
How to Build Generational Wealth
Building generational wealth is not exactly easy to do, especially if you have tons of debt and are just starting to create financial stability.
But, the sooner you get started the better your own personal finances will be and you can begin to build legacy wealth.
Your main goal will be to ensure you have penty in your retirement to last you for your remaining years. Once you have that plan in place, you can begin focusing on
acquiring assets and money beyond what you may need in retirement.
If creating generational wealth is interesting to you, then here are some tips to help you get started.
. Build a plan --
Pr
Alternative Investment
Alternative Investment
An alternative investment is an investment in any asset class excluding stocks, bonds, and cash. The term is a relatively loose one and includes tangible assets such
as precious metals, art, wine, antiques, coins, or stamps and some financial assets such as real estate, commodities, private equity, distressed securities, hedge
funds, exchange funds, carbon credits, venture capital, film production, financial derivatives, and cryptocurrencies. Investments in real estate, forestry and shipping
are also often termed "alternative" despite the ancient use of such real assets to enhance and preserve wealth. In the last century, fancy color diamonds have
emerged as an alternative investment class as well. Alternative investments are to be contrasted with traditional investments.ioritize financial education
Teaching your kids how to manage money and how to invest in assets helps set them up for life. Plus, it saves them time from having to learn on their own and make
mistakes.
While having some minor financial mishaps can be great learning experiences, it can set them back financially for a few years. But by being educated and becoming
financially literate early on, they have a much better chance of starting off strong with their money and choices.
-------------
What is Generational Wealth?
Generational wealth is the wealth that you received from your family or one that you create and will pass onto the next generation. Many times this is referred to as
“family wealth” as it continues to be passed down from generation to generation.
If you educate the next generation and plan carefully, your wealth will pass on from one generation to the next, with your money helping provide for ---your great-
great-great-grandchildren!
-------
Why is generational wealth important?
Generational wealth is important because it puts your financial situation into perspective and helps you plan for the future. If you’re able to save for your children’s
college education it could help set them up for life and give them a necessary career boost
--------
How to Build Generational Wealth
Building generational wealth is not exactly easy to do, especially if you have tons of debt and are just starting to create financial stability.
But, the sooner you get started the better your own personal finances will be and you can begin to build legacy wealth.
Your main goal will be to ensure you have penty in your retirement to last you for your remaining years. Once you have that plan in place, you can begin focusing on
acquiring assets and money beyond what you may need in retirement.
If creating generational wealth is interesting to you, then here are some tips to help you get started.
. Build a plan --
Pr
Alternative Investment
Alternative Investment
An alternative investment is an investment in any asset class excluding stocks, bonds, and cash. The term is a relatively loose one and includes tangible assets such
as precious metals, art, wine, antiques, coins, or stamps and some financial assets such as real estate, commodities, private equity, distressed securities, hedge
funds, exchange funds, carbon credits, venture capital, film production, financial derivatives, and cryptocurrencies. Investments in real estate, forestry and shipping
are also often termed "alternative" despite the ancient use of such real assets to enhance and preserve wealth. In the last century, fancy color diamonds have
emerged as an alternative investment class as well. Alternative investments are to be contrasted with traditional investments.ioritize financial education
Teaching your kids how to manage money and how to invest in assets helps set them up for life. Plus, it saves them time from having to learn on their own and make
mistakes.
While having some minor financial mishaps can be great learning experiences, it can set them back financially for a few years. But by being educated and becoming
financially literate early on, they have a much better chance of starting off strong with their money and choices.
-------------
How to Pass Down A Money Legacy
In order to pass on generational wealth appropriately, you’ll need to be prepared in a few other ways too. The last thing you want is your family fighting over money and
assets, which happens all too often.
The best way to avoid and hopefully not have family issues, is by being legally prepared ahead of time. Here are some things to consider.
Will Your will is basically a set of instructions on what is to be done with your wealth once you pass on. Your will should be very specific so there is no confusion as to
who gets what — otherwise there could be some family fights that are taken to court due to unclear wills.
Estate plan
Your estate plan is the accumulation of all your assets, where they are stored and how to access them. If you have a large and complex estate, consulting an expert on
how best to manage and pass on your wealth will make the entire process smoother.
Trust
A trust is a financial instrument that is specially designed to pass on wealth in a specific way. You can add cash, real estate and other stocks into your trust and set
instructions as to how they should be used.
For example, you can create a trust of stock market investments and instruct it to be only used for education.
On your trust you’ll need to add beneficiaries: the people who will be managing and using your wealth. Once you pass away, the trust is simply passed onto the
beneficiaries without allowing room for confusion.
Custodial accounts
Custodial accounts are investment accounts that you manage for your child which they will fully own once they reach a specific age (usually 18 or 21).
=============
In order to pass on generational wealth appropriately, you’ll need to be prepared in a few other ways too. The last thing you want is your family fighting over money and
assets, which happens all too often.
The best way to avoid and hopefully not have family issues, is by being legally prepared ahead of time. Here are some things to consider.
Will Your will is basically a set of instructions on what is to be done with your wealth once you pass on. Your will should be very specific so there is no confusion as to
who gets what — otherwise there could be some family fights that are taken to court due to unclear wills.
Estate plan
Your estate plan is the accumulation of all your assets, where they are stored and how to access them. If you have a large and complex estate, consulting an expert on
how best to manage and pass on your wealth will make the entire process smoother.
Trust
A trust is a financial instrument that is specially designed to pass on wealth in a specific way. You can add cash, real estate and other stocks into your trust and set
instructions as to how they should be used.
For example, you can create a trust of stock market investments and instruct it to be only used for education.
On your trust you’ll need to add beneficiaries: the people who will be managing and using your wealth. Once you pass away, the trust is simply passed onto the
beneficiaries without allowing room for confusion.
Custodial accounts
Custodial accounts are investment accounts that you manage for your child which they will fully own once they reach a specific age (usually 18 or 21).
=============
| ..Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! ..Insurance General Information: Ways to Make Money & Save Money on Your Insurance. Learn More... ..Term Insurance Advantages, Term Insurance General Knowledge. Buy the Term, and invest the difference. Learn More... ..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or Check How Much You Can Pay For a Life Insurance... ..Investment Products: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... Insurance Products: How to make profits with the insurance companies? Learn More... |
'' ' ''Real Estate Investing: Here are more than 15 ways to start investing in real estate to make money...''
------------------
'' Investment Properties Knowledge And Useful Information... Everything To Know About Rental Property For Monthly Cash-flow From A To Z. ...
LEARN MORE...
-----------
''Types of Property Ownership: There are a variety of forms of ownership of
property people need to know about...
---------
''Find 55+ Communities and Senior Living. Affordable Retirement
Communities. Resort Properties For Seniors...
-------------------
''How to Make Money in Real Estate? Types of Real Estate to Invest in... Real Estate Invesing, Active vs Passive??
------------------
'' Ways To Invest In Real Estate Without Buying Property... How to Better Investing in Real Estate With No MORTGAGE?
-------------------
How to Make Money in Real Estate: 10 basic Ways ...
There are many ways to make money in real estate / Investors can realize attractive
returns from multiple income streams in real estate investments'''
-----------------------------
'' Ways to Value a Real Estate Rental Property
Determining the cost of and the return on an investment property are just as important as figuring out its value.''
---------------
'' Income Property - Everything People Need To Know About Rental Property. What are the
best ways to make money in real estate? LEARN MORE..
------------
'' Types of Property Ownership...
There are a variety of forms of ownership of property.----
'' How to Invest In Real Estate without Having to Buy Houses?
-----------
'' Home Warranties, Why Many People Need Them?
Owning a home is a pricey endeavor. It requires attention and upkeep simply because things get old a need to be
replaced...
----------------
'' How to invest and Make Money in Real Estate?…
''Making Money On These Major Types of Properties''
There are many different property types that you can use to make money...
--------------
''General Knowledge For Investing in Commercial Real Estate:
''cash for today or wealth for tomorrow?-
'' Residential Vs. Commercial'' LEARN MORE...
--------------
'' How To Make Money In Real Estate When Buying Investments
It’s often said “You make your money when you buy.” There are many
different strategies you can use to ensure profitability... LEARN MORE''
-----------------
'' How To Make Money In These Real Estate Related Careers...
You don’t need to invest in real estate to begin making money from
it...''LEARN MORE...
-----------
'' Invest In Real Estate With less than $1,000 To Start With. Get Your
Fair Share. Easy And Simple To Build Your Portfolio / Real Estate
Investment Trust Can Help..
Personal Finance: Where are the safe places to put your money in time of financial crises, economic turmoil?
---------------
Finance: Fixed Income Security Investment: Types Of Fixed Income Investments..
---------------
Preferred Stocks vs. Common Stocks. = // Types of Preferred Stocks... Why Do Companies Issue
Preferred Stock? = LEARN MORE HERE...
--------------
Femkonsa Capital: Best Index Funds vs Best ETF"s = Exchange Traded Funds.
LEARN MORE HERE...
-------------------
Millionaire Portfolio: Passive Income - Residual Income - Earned Income - Portfolio Income. HERE ARE
MUCH MORE... = Research & Learning -/
-----------------
Dividend Stocks: List Of Dividend Paying Companies. Quarterly monthly cash-flow = Return On Investment...
LEARN MUCH MORE HERE...
-----------------
Knowledge Center: 101 Ways to Make Money Online We often recommend earning some extra income on the
side .
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Entrepreneur: Business Ideas And Opportunities.
---------------
Economic: Different Types Of Market To Invest in...
--------------
Freeknowledge: Things to Know About Government Bonds & Municipal Bonds...
-------------
Resource Center: Different ways to protect your money…
What to do when we have a market panic, or economic uncertainty...
Last Will And Testament...
What Not to Include When Making a Will...
Ways to Avoid Probate... LEARN MORE HERE...
---------------
Finance: Fixed Income Security Investment: Types Of Fixed Income Investments..
---------------
Preferred Stocks vs. Common Stocks. = // Types of Preferred Stocks... Why Do Companies Issue
Preferred Stock? = LEARN MORE HERE...
--------------
Femkonsa Capital: Best Index Funds vs Best ETF"s = Exchange Traded Funds.
LEARN MORE HERE...
-------------------
Millionaire Portfolio: Passive Income - Residual Income - Earned Income - Portfolio Income. HERE ARE
MUCH MORE... = Research & Learning -/
-----------------
Dividend Stocks: List Of Dividend Paying Companies. Quarterly monthly cash-flow = Return On Investment...
LEARN MUCH MORE HERE...
-----------------
Knowledge Center: 101 Ways to Make Money Online We often recommend earning some extra income on the
side .
---------------
Entrepreneur: Business Ideas And Opportunities.
---------------
Economic: Different Types Of Market To Invest in...
--------------
Freeknowledge: Things to Know About Government Bonds & Municipal Bonds...
-------------
Resource Center: Different ways to protect your money…
What to do when we have a market panic, or economic uncertainty...
Last Will And Testament...
What Not to Include When Making a Will...
Ways to Avoid Probate... LEARN MORE HERE...