Estate Planning Quotes

Thoughts are real, physical things that occupy mental real estate. Moment by moment, every day, you are changing the structure of your brain through your thinking. When we hope, it is an activity of the mind that changes the structure of our brain in a positive and normal direction.

Almost as an article of faith, some individuals believe that conspiracies are either kooky fantasies or unimportant aberrations. To be sure, wacko conspiracy theories do exist. There are people who believe that the United States has been invaded by a secret United Nations army equipped with black helicopters, or that the country is secretly controlled by Jews or gays or feminists or black nationalists or communists or extraterrestrial aliens. But it does not logically follow that all conspiracies are imaginary. Conspiracy is a legitimate concept in law: the collusion of two or more people pursuing illegal means to effect some illegal or immoral end. People go to jail for committing conspiratorial acts. Conspiracies are a matter of public record, and some are of real political significance. The Watergate break-in was a conspiracy, as was the Watergate cover-up, which led to Nixon’s downfall. Iran-contra was a conspiracy of immense scope, much of it still uncovered. The savings and loan scandal was described by the Justice Department as “a thousand conspiracies of fraud, theft, and bribery,” the greatest financial crime in history. Often the term “conspiracy” is applied dismissively whenever one suggests that people who occupy positions of political and economic power are consciously dedicated to advancing their elite interests. Even when they openly profess their designs, there are those who deny that intent is involved. In 1994, the officers of the Federal Reserve announced they would pursue monetary policies designed to maintain a high level of unemployment in order to safeguard against “overheating” the economy. Like any creditor class, they preferred a deflationary course. When an acquaintance of mine mentioned this to friends, he was greeted skeptically, “Do you think the Fed bankers are deliberately trying to keep people unemployed?” In fact, not only did he think it, it was announced on the financial pages of the press. Still, his friends assumed he was imagining a conspiracy because he ascribed self-interested collusion to powerful people. At a World Affairs Council meeting in San Francisco, I remarked to a participant that U.S. leaders were pushing hard for the reinstatement of capitalism in the former communist countries. He said, “Do you really think they carry it to that level of conscious intent?” I pointed out it was not a conjecture on my part. They have repeatedly announced their commitment to seeing that “free-market reforms” are introduced in Eastern Europe. Their economic aid is channeled almost exclusively into the private sector. The same policy holds for the monies intended for other countries. Thus, as of the end of 1995, “more than $4.5 million U.S. aid to Haiti has been put on hold because the Aristide government has failed to make progress on a program to privatize state-owned companies” (New York Times 11/25/95). Those who suffer from conspiracy phobia are fond of saying: “Do you actually think there’s a group of people sitting around in a room plotting things?” For some reason that image is assumed to be so patently absurd as to invite only disclaimers. But where else would people of power get together – on park benches or carousels? Indeed, they meet in rooms: corporate boardrooms, Pentagon command rooms, at the Bohemian Grove, in the choice dining rooms at the best restaurants, resorts, hotels, and estates, in the many conference rooms at the White House, the NSA, the CIA, or wherever. And, yes, they consciously plot – though they call it “planning” and “strategizing” – and they do so in great secrecy, often resisting all efforts at public disclosure. No one confabulates and plans more than political and corporate elites and their hired specialists. To make the world safe for those who own it, politically active elements of the owning class have created a national security state that expends billions of dollars and enlists the efforts of vast numbers of people.

Uber, the world’s largest taxi company, owns no vehicles. Facebook, the world’s most popular media owner, creates no content. Alibaba, the most valuable retailer, owns no inventory. Airbnb, the world’s largest accommodation provider, owns no real estate.

Unless Ty Warner suddenly gets interested in his estate planning, his mostly estranged younger sister, now sixty-five and relying on aid to the indigent for medical bills and part-time jobs to feed her half-dozen adopted animals, will be the sole heir to the largest fortune in the history of stuffed animals.

By the mid-1950s real estate promoters of the commercial strip were attaching it to the centerless residential suburb. Both strips and tracts expanded under the impact of federal subsidies to developers, but since these subsidies were indirect, it was hard for many citizens or local officials to know what was happening.

There appeared to be a close link between “good planning” and gentrification, since private property owners could capitalize on the value the state adds to land. By the end of my education, I realized that capitalism makes the best of planning impossible: any good that planners do is filtered through a system that dispossesses those who cannot pay.

Small plans at best yield small results, and big plans at worst beat small plans.

A goal without a plan is just a wish.” —ANTOINE DE SAINT-EXUPERY

This was his plan of amends — of atonement — for inheriting their father’s estate;

Our primary objective in every mortgage transaction should be to borrow in a way that reduces debt, improves financial stability, and helps us get debt free in as short a time as possible!

seldom list my formal academic credentials because, honestly, I don’t think they are important. I have met so many broke people with financial credentials that I almost think it discredits me to have had formal training. Yes, I have a degree in finance. Yes, I have been or am licensed in real estate, insurance, and investments. Yes, I do have many of the stupid letters to put after my name. But the thing that qualifies me most to teach about money is that I have done stupid things with zeros on the end. I have been there, done that. I have a PhD in D-U-M-B.

The late Chuck Missler would often describe the sixty-six books of the Bible, penned by more than forty different people over a period of several thousand years, as a highly integrated message system from an extraterrestrial source outside of time. Like a hologram, a facet of the message is encoded on every page that, when illumined by the light of the Spirit, projects a multidimensional portrait of its divine Author and communicates his plan to redeem, reconcile, and restore the sons and daughters of Adam to the glory of their original estate in the family of God.

THEY'D CHANGE THE AXIS OF THE EARTH! There are fortunes to be made in polar real estate! Just change the climate of both poles, warm them up, give them mild winters and pleasant summers, and watch the boom! At the same time, cool off the tropics, clear out the jungles, and there's billions more in it! That was the scheme of the famous Gun Club, the same space engineers who had fired the shot "From the Earth to the Moon." The story of how they planned to change the face of the Earth itself is a Jules Verne classic long out of print that's a delight to read and a real adventure in logical super-science.

Funnel The family story tells, and it was told true, of my great-grandfather who begat eight genius children and bought twelve almost-new grand pianos. He left a considerable estate when he died. The children honored their separate arts; two became moderately famous, three married and fattened their delicate share of wealth and brilliance. The sixth one was a concert pianist. She had a notable career and wore cropped hair and walked like a man, or so I heard when prying a childhood car into the hushed talk of the straight Maine clan. One died a pinafore child, she stays her five years forever. And here is one that wrote- I sort his odd books and wonder his once alive words and scratch out my short marginal notes and finger my accounts. back from that great-grandfather I have come to tidy a country graveyard for his sake, to chat with the custodian under a yearly sun and touch a ghost sound where it lies awake. I like best to think of that Bunyan man slapping his thighs and trading the yankee sale for one dozen grand pianos. it fit his plan of culture to do it big. On this same scale he built seven arking houses and they still stand. One, five stories up, straight up like a square box, still dominates its coastal edge of land. It is rented cheap in the summer musted air to sneaker-footed families who pad through its rooms and sometimes finger the yellow keys of an old piano that wheezes bells of mildew. Like a shoe factory amid the spruce trees it squats; flat roof and rows of windows spying through the mist. Where those eight children danced their starfished summers, the thirty-six pines sighing, that bearded man walked giant steps and chanced his gifts in numbers. Back from that great-grandfather I have come to puzzle a bending gravestone for his sake, to question this diminishing and feed a minimum of children their careful slice of suburban cake.

Quadrant II is the important but not urgent. This may be the most important use of your time as an EntreLeader. The things that fall in this category impact the quality of your life and business possibly more than any other area. Examples of what falls into this area are exercise, strategic planning, goal setting, reading nonfiction leadership/business books, taking a class or three, relationship building, prayer, date night with your spouse, a day off devoted to brainstorming, doing your will/estate plan, saving money, and having the oil changed in your car. We can all agree that things that aren’t urgent but are important may be the most important activities we engage in as we look back at our life. The problem is we live in a society where the urge to be in motion, frenetic motion, at all times seems to be the spirit of the age. There is something about a quad II activity that causes you to pause and let a breath out, sigh, then engage in it. Activities like the ones mentioned above are the building blocks of a high-quality life and business, and yet because they are not urgent they seem to be some of the things we avoid the most.

Napoleon represented the last battle of revolutionary terror against the bourgeois society which had been proclaimed by this same Revolution, and against its policy. Napoleon, of course, already discerned the essence of the modern state; he understood that it is based on the unhampered development of bourgeois society, on the free movement of private interest, etc. He decided to recognise and protect this basis. He was no terrorist with his head in the clouds. Yet at the same time he still regarded the state as an end in itself and civil life only as a treasurer and his subordinate which must have no will of its own. He perfected the Terror by substituting permanent war for permanent revolution. He fed the egoism of the French nation to complete satiety but demanded also the sacrifice of bourgeois business, enjoyments, wealth, etc., whenever this was required by the political aim of conquest. If he despotically suppressed the liberalism of bourgeois society — the political idealism of its daily practice — he showed no more consideration for its essential material interests, trade and industry, whenever they conflicted with his political interests. His scorn of industrial hommes d'affaires was the complement to his scorn of ideologists. In his home policy, too, he combated bourgeois society as the opponent of the state which in his own person he still held to be an absolute aim in itself. Thus he declared in the State Council that he would not suffer the owner of extensive estates to cultivate them or not as he pleased. Thus, too, he conceived the plan of subordinating trade to the state by appropriation of roulage [road haulage]. French businessmen took steps to anticipate the event that first shook Napoleon’s power. Paris exchange- brokers forced him by means of an artificially created famine to delay the opening of the Russian campaign by nearly two months and thus to launch it too late in the year.

. John Bonavia is one real estate entrepreneur who has worked hard to get a successful fortune in real estate. His plans and strategies have helped in getting the best deals to the desk along with attracting potential buyers for his properties. When we talk about the real estate market it is very important as a beginner or a previous investor to know which market you are investing in.

The ARM, Adjustable Rate Mortgage, was invented in the early 1980s. Prior to that, those of us in the real estate business sold fixed-rate 7 or 8 percent mortgages. What happened? I was there in the middle of that disaster of an economy when fixed-rate mortgages went as high as 17 percent and the real estate world froze. Lenders paid out 12 percent on CDs but had money loaned out at 7 percent on hundreds of millions of dollars in mortgages. They were losing money, and lenders don’t like to lose money. So the Adjustable Rate Mortgage was born, in which your interest rate goes up when the prevailing market interest rates go up. The ARM was born to transfer the risk of higher interest rates to you, the consumer. In the last several years, home mortgage rates have been at a thirty-year low. It is not wise to get something that adjusts when you are at the bottom of rates! The mythsayers always seem to want to add risk to your home, the one place you should want to make sure has stability. Balloon mortgages are even worse. Balloons pop, and it is always strange to me that the popping sound is so startling. Why don’t we expect it? It is in the very nature of balloons to pop. Wise financial people always move away from risk, and the balloon mortgage creates risk nightmares.

Camille said, “Your trouble is, you’re backtracking. I heard you, saying the Estates would save the country. Two years ago you said nothing was possible unless we got rid of the monarchy first. Which is it, which is it to be? No, don’t answer. And will there be an inquiry into the cause of these riots? No. A few people will be hanged, that’s all. Why? Because nobody dares to ask what happened—not Louis, not Necker, not even the Duke himself. But we all know that Réveillon’s chief crime was to stand for the Estates against the candidate put up by the Duke of Orléans.” There was a hush. “One should have guessed,” Charpentier said. “One never anticipated the scale of it,” Brissot whispered. “It was planned, yes, and people were paid—but not ten thousand people. Not even the Duke could pay ten thousand people. They acted for themselves.” “And that upsets your plans?

Forbes cost of living extremely well index (CLEWI) An amazing thing I came across while researching the question of just what it is that very very rich people do with their money. As Forbes says, the CLEWI is to the very rich what the CPI is to “ordinary people.” There are forty items on it, and they are hilarious, though perhaps you shouldn’t show them to your left-wing aunt if she’s suffering from high blood pressure: Russian sable fur coats from Bloomingdale’s, shirts from Turnbull and Asser, Gucci loafers, handmade John Lobb shoes, a year at Groton boarding school, a yacht, a horse, a pool, a Learjet, a Roller, a case of Dom Perignon, forty-five minutes at a psychiatrist’s on the Upper East Side (!), an hour’s estate planning with a lawyer, and, amusingly/annoyingly, a year at Harvard.36 In 2012, the CLEWI went up 2.6 percent but the CPI went up only 1.4 percent.

If you look at the estate planning industry today, the basic strategy begins with identifying the number of heirs. Why? To divide the estate up amongst as many heirs as possible, utilizing all the gift and transfer techniques. One of the first rules of war is to “divide and conquer.” And so, if I'm dividing the assets up, I'm setting that family up for failure. Our findings show that in all too many situations, traditional planning has done more to destroy families than taxes will ever do. Traditional estate planning operates around the four D's: Divide the assets, defer those assets downstream as far as possible, then dump them on what most times are the ill-prepared heirs, and watch those ultimately dissipate. It's been said that only two percent of family wealth ever makes it past the third generation. So I think that's all you need to know about the effectiveness of traditional estate planning.

They were planning some sort of real estate development on the edge of the city—probably on that few acres of pasture out back of the Waterhouse residence. They would put up town-houses around the edges, make the center into a square, and along the square Sterling would put up shops. Rich people would move in, and the Waterhouses and their confederates would control a patch of land that would probably generate more rent than any thousand square miles of Ireland—basically, they would become farmers of rich people.

What will you do if you lose your real estate license?” “I’ve been trying to figure that out. I need to have a plan. So far, nothing’s been coming to me. I was talking to Manny about it and--” She broke off. “Just so you know, Manny doesn’t answer.” “Good thing. If he did, I’d worry about you both.” “I would hope so. Anyway, I don’t have a plan yet. I always thought I’d stay in LA, but having been out here has shown me that maybe I’d like something different. Fool’s Gold seems like a special place.” She smiled. “Think I could get a job rustling cattle?” “Rustling? That’s stealing.” “Oh. I mean taking care of them.” “You’d better learn your terms before you apply.

Here is what I do: I get up every day by six A.M. and meditate and pray—for spiritual energy. Then, I exercise and eat—for physical energy. Afterward, I hug, kiss, and laugh with my family—for emotional energy— and try to do it so that I get to spend time with all of them and still get to the office between eight A.M. and nine A.M. (Most people plan for emotional energy time only in the evenings or on weekends, when it can do little for their daily pursuit of big goals.) I then plan and calendar my day—for mental energy—and spend my first, most energized hours in the office working hard on lead generation and recruiting talent—for business energy. I never slack off before eleven A.M.

Dear Kathleen, I have just returned from the Lufton farm after inquiring about the welfare of their newest resident. Please convey to all concerned parties that Hamlet is thoroughly content with his pen, which, I might add, has been constructed to the highest porcine standards. He seems enthused about keeping company with his own harem of sows. I would venture to say that a pig of simple pleasures could ask for nothing more. All other news from the estate pertains to drainage trenches and plumbing mishaps, none of it agreeable to relate I am anxious to know how you are taking the engagement between Helen and Winterborne. In the spirit of brotherly concern, I beg you to write soon, at least to tell me if murder is being planned. Affectionately yours, West

Though all the brilliant intellects of the ages were to concentrate upon this one theme, never could they adequately express their wonder at this dense darkness of the human mind. Men do not suffer anyone to seize their estates, and they rush to stones and arms if there is even the slightest dispute about the limit of their lands, yet they allow others to trespass upon their life—nay, they themselves even lead in those who will eventually possess it. No one is to be found who is willing to distribute his money, yet among how many does each one of us distribute his life! In guarding their fortune men are often closefisted, yet, when it comes to the matter of wasting time, in the case of the one thing in which it is right to be miserly, they show themselves most prodigal. And so I should like to lay hold upon someone from the company of older men and say: "I see that you have reached the farthest limit of human life, you are pressing hard upon your hundredth year, or are even beyond it; come now, recall your life and make a reckoning. Consider how much of your time was taken up with a moneylender, how much with a mistress, how much with a patron, how much with a client, how much in wrangling with your wife, how much in punishing your slaves, how much in rushing about the city on social duties. Add the diseases which we have caused by our own acts, add, too, the time that has lain idle and unused; you will see that you have fewer years to your credit than you count. Look back in memory and consider when you ever had a fixed plan, how few days have passed as you had intended, when you were ever at your own disposal, when your face ever wore its natural expression, when your mind was ever unperturbed, what work you have achieved in so long a life, how many have robbed you of life when you were not aware of what you were losing, how much was taken up in useless sorrow, in foolish joy, in greedy desire, in the allurements of society, how little of yourself was left to you; you will perceive that you are dying before your season!"7 What, then, is the reason of this? You live as if you were destined to live forever, no thought of your frailty ever enters your head, of how much time has already gone by you take no heed. You squander time as if you drew from a full and abundant supply, though all the while that day which you bestow on some person or thing is perhaps your last. You have all the fears of mortals and all the desires of immortals. You will hear many men saying: "After my fiftieth year I shall retire into leisure, my sixtieth year shall release me from public duties." And what guarantee, pray, have you that your life will last longer? Who will suffer your course to be just as you plan it? Are you not ashamed to reserve for yourself only the remnant of life, and to set apart for wisdom only that time which cannot be devoted to any business? How late it is to begin to live just when we must cease to live! What foolish forgetfulness of mortality to postpone wholesome plans to the fiftieth and sixtieth year, and to intend to begin life at a point to which few have attained!

This is the real estate state, a government by developers, for developers. It is not monolithic; there are plenty of disputes within it. Builders' desires are not always the same as owners', as reflected in the presence of separate developer and landlord lobbies in New York. Nonprofit developers follow a somewhat different model than for-profit builders. And of course government is still accountable to voters, who are by and large either renters or mortgage holders and continue to organize collectively against real estate's rule. But the parameters for planning are painfully narrow: land is a commodity and also is everything atop it; property rights are sacred and should never be impinged; a healthy real estate market is the measure of a healthy city; growth is good-- in fact, growth is god.

The same thing, notes Brynjolfsson, happened 120 years ago, in the Second Industrial Revolution, when electrification—the supernova of its day—was introduced. Old factories did not just have to be electrified to achieve the productivity boosts; they had to be redesigned, along with all business processes. It took thirty years for one generation of managers and workers to retire and for a new generation to emerge to get the full productivity benefits of that new power source. A December 2015 study by the McKinsey Global Institute on American industry found a “considerable gap between the most digitized sectors and the rest of the economy over time and [found] that despite a massive rush of adoption, most sectors have barely closed that gap over the past decade … Because the less digitized sectors are some of the largest in terms of GDP contribution and employment, we [found] that the US economy as a whole is only reaching 18 percent of its digital potential … The United States will need to adapt its institutions and training pathways to help workers acquire relevant skills and navigate this period of transition and churn.” The supernova is a new power source, and it will take some time for society to reconfigure itself to absorb its full potential. As that happens, I believe that Brynjolfsson will be proved right and we will start to see the benefits—a broad range of new discoveries around health, learning, urban planning, transportation, innovation, and commerce—that will drive growth. That debate is for economists, though, and beyond the scope of this book, but I will be eager to see how it plays out. What is absolutely clear right now is that while the supernova may not have made our economies measurably more productive yet, it is clearly making all forms of technology, and therefore individuals, companies, ideas, machines, and groups, more powerful—more able to shape the world around them in unprecedented ways with less effort than ever before. If you want to be a maker, a starter-upper, an inventor, or an innovator, this is your time. By leveraging the supernova you can do so much more now with so little. As Tom Goodwin, senior vice president of strategy and innovation at Havas Media, observed in a March 3, 2015, essay on TechCrunch.com: “Uber, the world’s largest taxi company, owns no vehicles. Facebook, the world’s most popular media owner, creates no content. Alibaba, the most valuable retailer, has no inventory. And Airbnb, the world’s largest accommodation provider, owns no real estate. Something interesting is happening.

In the meantime Chancellor Schleicher went about—with an optimism that was myopic, to say the least—trying to establish a stable government. On December 15 he made a fireside broadcast to the nation begging his listeners to forget that he was a general and assuring them that he was a supporter “neither of capitalism nor of socialism” and that to him “concepts such as private economy or planned economy have lost their terrors.” His principal task, he said, was to provide work for the unemployed and get the country back on its economic feet. There would be no tax increase, no more wage cuts. In fact, he was canceling the last cut in wages and relief which Papen had made. Furthermore, he was ending the agricultural quotas which Papen had established for the benefit of the large landowners and instead was launching a scheme to take 800,000 acres from the bankrupt Junker estates in the East and give them to 25,000 peasant families. Also prices of such essentials as coal and meat would be kept down by rigid control. This was a bid for the support of the very masses which he had hitherto opposed or disregarded, and Schleicher followed it up with conversations with the trade unions, to whose leaders he gave the impression that he envisaged a future in which organized labor and the Army would be twin pillars of the nation. But labor was not to be taken in by a man whom it profoundly mistrusted, and it declined its co-operation. The industrialists and the big landowners, on the other hand, rose up in arms against the new Chancellor’s program, which they clamored was nothing less than Bolshevism. The businessmen were aghast at Schleicher’s sudden friendliness to the unions. The owners of large estates were infuriated at his reduction of agricultural protection and livid at the prospect of his breaking up the bankrupt estates in the East. On

While he digs he is free to let his mind wander, and he dreams his kingdom of pear trees in the orchard across to his left, growing skywards, gnarling, putting forth fat green soft fruits with ease each year. The trees that already grow in the orchards he loves almost as women in his life; the Catherine pear, the Chesil or pear Nouglas, the great Kentish pear, the Ruddick, the Red Garnet, the Norwich, the Windsor, the little green pear ripe at Kingsdon Feast; all thriving where they were planted in his father's ground at Lytes Cary before the management of the estate became his own responsibility as the eldest son. So much has happened these last six years since his father handed over and left for his house in Sherborne: there have been births and deaths - Anys herself was taken from him only last year. But the pear trees live on, reliably flowering and yielding variable quantities as an annual crop that defines the estate, and he has plans to add more.

From every direction, the place is under assault—and unlike in the past, the adversary is not concentrated in a single force, such as the Bureau of Reclamation, but takes the form of separate outfits conducting smaller attacks that are, in many ways, far more insidious. From directly above, the air-tour industry has succeeded in scuttling all efforts to dial it back, most recently through the intervention of Arizona’s senators, John Kyl and John McCain, and is continuing to destroy one of the canyon’s greatest treasures, which is its silence. From the east has come a dramatic increase in uranium-mining claims, while the once remote and untrammeled country of the North Rim now suffers from an ever-growing influx of recreational ATVs. On the South Rim, an Italian real estate company recently secured approval for a massive development whose water demands are all but guaranteed to compromise many of the canyon’s springs, along with the oases that they nourish. Worst of all, the Navajo tribe is currently planning to cooperate in constructing a monstrous tramway to the bottom of the canyon, complete with a restaurant and a resort, at the confluence of the Little Colorado and the Colorado, the very spot where John Wesley Powell made his famous journal entry in the summer of 1869 about venturing “down the Great Unknown.” As vexing as all these things are, what Litton finds even more disheartening is the country’s failure to rally to the canyon’s defense—or for that matter, to the defense of its other imperiled natural wonders. The movement that he and David Brower helped build is not only in retreat but finds itself the target of bottomless contempt. On talk radio and cable TV, environmentalists are derided as “wackos” and “extremists.” The country has swung decisively toward something smaller and more selfish than what it once was, and in addition to ushering in a disdain for the notion that wilderness might have a value that extends beyond the metrics of economics or business, much of the nation ignorantly embraces the benefits of engineering and technology while simultaneously rejecting basic science.

His expression was perturbed, as if he’d been reminded of something he had wanted to forget. But as his gaze slid over her bewildered face, his mouth curved a little, and he settled into the cradle of her body with an insolent familiarity that temporarily robbed her of breath. “Mr. Rohan … how … why … what are you doing here?” He replied without moving, as if he were planning to lie there and converse all day. His infinitely polite tone was an unsettling contrast to the intimacy of their position. “Miss Hathaway. What a pleasant surprise. As it happens, I’m visiting friends. And you?” “I live here.” “I don’t think so. This is Lord Westcliff’s estate.” Her heart thundered in her breast as her body absorbed the details of him. “I didn’t mean precisely here, I meant over there, on the other side of the woods. The Ramsay estate. We’ve just taken up residence.” She couldn’t seem to stop herself from chattering in the aftermath of nerves and fright. “What was that noise? What were you doing? Why do you have that tattoo on your arm? It’s a pooka—an Irish creature—isn’t it?” That last question earned her an arrested stare. Before Rohan could reply, the other two men approached. From her prone position, Amelia had an upside-down view of them. Like Rohan, they were in their shirtsleeves, with waistcoats left unbuttoned. One of them was a portly old gentleman with a shock of silver hair. He held a small wood-and-metal sextant, which had been strung around his neck on a lanyard. The other, black-haired man looked to be in his late thirties. He wasn’t as tall as Rohan, but he had an air of authority tempered with aristocratic arrogance. Amelia made a helpless movement, and Rohan lifted away from her with fluid ease. He helped her stand, his arm steadying her. “How far did it go?” he asked the men. “Devil take the rocket,” came a gravelly reply. “What is the woman’s condition?” “Unharmed.” The silver-haired gentleman remarked, “Impressive, Rohan. You covered a distance of fifty yards in no more than five or six seconds.” “I would hardly miss a chance to leap on a beautiful woman,” Rohan said, causing the older man to chuckle.

Give All to Love Give all to love; Obey thy heart; Friends, kindred, days, Estate, good-fame, Plans, credit and the Muse,— Nothing refuse. ’T is a brave master; Let it have scope: Follow it utterly, Hope beyond hope: High and more high It dives into noon, With wing unspent, Untold intent: But it is a god, Knows its own path And the outlets of the sky. It was never for the mean; It requireth courage stout. Souls above doubt, Valor unbending, It will reward,— They shall return More than they were, And ever ascending. Leave all for love; Yet, hear me, yet, One word more thy heart behoved, One pulse more of firm endeavor,— Keep thee to-day, To-morrow, forever, Free as an Arab Of thy beloved. Cling with life to the maid; But when the surprise, First vague shadow of surmise Flits across her bosom young, Of a joy apart from thee, Free be she, fancy-free; Nor thou detain her vesture’s hem, Nor the palest rose she flung From her summer diadem. Though thou loved her as thyself, As a self of purer clay, Though her parting dims the day, Stealing grace from all alive; Heartily know, When half-gods go, The gods arrive.

But then something unexpected happened. Donald Trump, a real estate mogul and television celebrity who did not need the Koch donor network’s money to run, who seemed to have little grasp of the goals of this movement, entered the race. More than that, to get ahead, Trump was able to successfully mock the candidates they had already cowed as “puppets.” And he offered a different economic vision. He loved capitalism, to be sure, but he was not a libertarian by any stretch. Like Bill Clinton before him, he claimed to feel his audience’s pain. He promised to stanch it with curbs on the very agenda the party’s front-runners were promoting: no more free-trade deals that shuttered American factories, no cuts to Social Security or Medicare, and no more penny-pinching while the nation’s infrastructure crumbled. He went so far as to pledge to build a costly wall to stop immigrants from coming to take the jobs U.S. companies offered them because they could hire desperate, rightless workers for less. He said and did a lot more, too, much that was ugly and incendiary. And in November, he shocked the world by winning the Electoral College vote.

Behind her, Annabelle heard Daisy say to Lillian accusingly, “I thought you said that no one ever comes to this meadow!” “That’s what I was told,” Lillian replied, her voice muffled as she stepped into the circle of her gown and bent to jerk it upward. The earl, who had been mute until that point, spoke with his gaze trained studiously on the distant scenery. “Your information was correct, Miss Bowman,” he said in a controlled manner. “This field is usually unfrequented.” “Well, then, why are you here?” Lillian demanded accusingly, as if she, and not Westcliff, was the owner of the estate. The question caused the earl’s head to whip around. He gave the American girl an incredulous glance before he dragged his gaze away once more. “Our presence here is purely coincidental,” he said coldly. “I wished to have a look at the northwest section of my estate today.” He gave the word my a subtle but distinct emphasis. “While Mr. Hunt and I were traveling along the lane, we heard your screaming. We thought it best to investigate, and came with the intention of rendering aid, if necessary. Little did I realize that you would be using this field for…for…” “Rounders-in-knickers,” Lillian supplied helpfully, sliding her arms into her sleeves. The earl seemed incapable of repeating the ridiculous phrase. He turned his horse away and spoke curtly over his shoulder. “I plan to develop a case of amnesia within the next five minutes. Before I do so, I would suggest that you refrain from any future activities involving nudity outdoors, as the next passersby who discover you may not prove to be as indifferent as Mr. Hunt and I.” Despite Annabelle’s mortification, she had to repress a skeptical snort at the earl’s claim of indifference on Hunt’s behalf, not to mention his own. Hunt had certainly managed to get quite an eyeful of her. And though Westcliff’s scrutiny had been far more subtle, it had not escaped her that he had stolen a quick but thorough glance at Lillian before he had veered his horse away. However, in light of her current state of undress, it was hardly the time to deflate Westcliff’s holier-than-thou demeanor. “Thank you, my lord,” Annabelle said with a calmness that pleased her immensely. “And now, having dispensed such excellent advice, I would ask that you allow us some privacy to restore ourselves.” “With pleasure,” Westcliff growled.

Then, in 1950, Andy became something more than a model prisoner. In 1950, he became a valuable commodity, a murderer who did tax-returns better than H & R Block. He gave gratis estate-planning advice, set up tax-shelters, filled out loan applications (sometimes creatively). I can remember him sitting behind his desk in the library, patiently going over a car-loan agreement paragraph by paragraph with a screwhead who wanted to buy a used DeSoto, telling the guy what was good about the agreement and what was bad about it, explaining to him that it was possible to shop for a loan and not get hit quite so bad, steering him away from the finance companies, which in those days were sometimes little better than legal loan-sharks. When he’d finished, the screwhead started to put out his hand . . . and then drew it back to himself quickly. He’d forgotten for a moment, you see, that he was dealing with a mascot, not a man. Andy kept up on the tax laws and the changes in the stock market, and so his usefulness didn’t end after he’d been in cold storage for awhile, as it might have done. He began to get his library money, his running war with the sisters had ended, and nobody tossed his cell very hard. He was a good nigger.

We have a timber yard?" Leo asked. Miss Marks replied, "Mr. Merripen is planning to construct houses for the new tenant farmers." "This is the first I've heard of it. Why are we providing houses for them?" Leo's tone was not at all censuring, merely interested. But Miss Marks's lips thinned, as if she had interpreted his question as a complaint. "The most recent tenants to join the estate were lured by the promise of new houses. They are already successful farmers, educated and forward-looking, and Mr. Merripen believes their presence will add to the estate's prosperity. Other local estates, such as Stony Cross Park, are also building homes for their tenants and laborers-" "It's all right," Leo interrupted. "No need to be defensive, Marks. God knows I wouldn't think of interfering with Merripen's plans after seeing all he's done so far." He glanced at the housekeeper. "If you'll point the way, Mrs. Barnstable, I'll go out and find Merripen. Perhaps I might help to unload the timber wagon." "A footman will show you the way," the housekeeper said at once. "But the work is occasionally hazardous, my lord, and not fitting for a man of your station." Miss Marks added in a light but caustic tone, "Besides, it is doubtful you could be of any help." The housekeeper's mouth fell open. Win had to bite back a grin. Miss Marks had spoken as if Leo were a small weed of a man instead of a strapping six-footer.

Now his grandfather’s actions were adding to his unwanted notoriety. The death of Ian’s father had evidently caused the old duke to feel some belated request for the estrangement, and for the last twelve years he’d been writing to Ian periodically. At first he had pleaded with Ian to come and visit him at Stanhope. When Ian ignored his letters, he’d tried bribing him with promises to name Ian his legitimate heir. Those letters had gone unanswered, and for the last two years the old man’s silence had misled Ian into thinking he’d given up. Four months ago, however, another letter bearing Stanhope’s ducal crest had been delivered to Ian, and this one infuriated him. The old man had imperiously given Ian four months in which to appear at Stanhope and meet with him to discuss arrangements for the transfer of six estates-estates that would have been Ian’s father’s inheritance had the duke not disowned him. According to the letter, if Ian did not appear, the duke planned to proceed without him, publicly naming him his heir. Ian had written to his grandfather for the first time in his life; the note had been short and final. It was also eloquent proof that Ian Thornton was as unforgiving as his grandfather, who’d rejected his own son for two decades: Try it and you’ll look a fool. I’ll disclaim all knowledge of any relationship with you, and if you still persist, I’ll let your title and your estates rot.

Radiation from the Big Bang may give us a clue to dark matter and dark energy. First of all, the echo, or afterglow, of the Big Bang is easy to detect. Our satellites have been able to detect this radiation to enormous accuracy. Photographs of this microwave background radiation show that it is remarkably smooth, with tiny ripples appearing on its surface. These ripples, in turn, represent tiny quantum fluctuations that existed at the instant of the Big Bang that were then magnified by the explosion. What is controversial, however, is that there appear to be irregularities, or blotches, in the background radiation that we cannot explain. There is some speculation that these strange blotches are the remnants of collisions with other universes. In particular, the CMB (cosmic microwave background) cold spot is an unusually cool mark on the otherwise uniform background radiation that some physicists have speculated might be the remnants of some type of connection or collision between our universe and a parallel universe at the beginning of time. If these strange markings represent our universe interacting with parallel universes, then the multiverse theory might become more plausible to skeptics. Already, there are plans to put detectors in space that can refine all these calculations, using space-based gravity wave detectors. LISA Back in 1916, Einstein showed that gravity could travel in waves. Like throwing a stone in a pond and witnessing the concentric, expanding rings it creates, Einstein predicted that swells of gravity would travel at the speed of light. Unfortunately, these would be so faint that he did not think we would find them anytime soon. He was right. It took until 2016, one hundred years after his original prediction, before gravity waves were observed. Signals from two black holes that collided in space about a billion years ago were captured by huge detectors. These detectors, built in Louisiana and Washington State, each occupy several square miles of real estate. They resemble a large L, with laser beams traveling down each leg of the L. When the two beams meet at the center, they create an interference pattern that is so sensitive to vibrations that they could detect this collision. For their pioneering work, three physicists, Rainer Weiss, Kip S. Thorne, and Barry C. Barish, won the Nobel Prize in 2017. For even greater sensitivity, there are plans to send gravity wave detectors into outer space. The project, known as the laser interferometry space antenna (LISA), might be able to pick up vibrations from the instant of the Big Bang itself. One version of the LISA consists of three separate satellites in space, each connected to the others by a network of laser beams. The triangle is about a million miles on each side.

To look after a medieval estate, one required a map, an indexed account book and an abacus. For its time, this was a highly sophisticated geographical information system. Looking after the earth and each of its parts requires more data, a better index and more data processing.

It is still evident that the problem of finances is an enormously important one. The lack of money to do the job and to compete successfully for audiences with elaborate and attractive commercial programs seems almost hopeless. As far back as 1936, Doctor [Levering] Tyson . . . stated at the joint meeting of the Council and the Institute for Education by Radio at Columbus: Unfortunately, there is not much chance to get money until there is some general understanding of, and agreement in, country-wide objectives to which local and regional objectives can be fitted, and until controversy over these objectives is eliminated so that a unified plan of procedure can be followed

Suite 1500, 13450 102 Ave Surrey, BC V3T 5X3 604-581-7001 cbettencourt@mcquarrie.com Chris works with individuals and firms to provide legal advice and expertise for their real estate and business needs. He can plan and draft agreements relating to a wide variety of business and corporate transactions such as securing debt and the incorporation of companies. Chris acts for purchasers of businesses, helping to ensure that they begin their new venture with adequate protection. Chris is also experienced in the acquisition, development, and sale of residential and commercial real estate.

Financial responsibility is a mindset before it is an action. Therefore, if you can change a mindset, the actions follow almost naturally.

She wondered if he was a neighbor, started to smile and introduce herself when his deep voice cut through the cool morning air. “All right, what the hell is going on?” Ignoring the anger in his voice, Charity set her hammer on top of the dresser and climbed down from the porch. “Good morning. I’m Charity Sinclair. I’m the new--” “I don’t care who you are, lady, I want to know what you’re doing on this property.” She fixed a smile on her face, though it took a good bit of effort. “I’m here because I’m the owner. I bought the Lily Rose from a man named Moses Flanagan.” He narrowed those striking blue eyes at her. “Bullshit. Old man Flanagan may not live here anymore but he’d die before he’d sell the Lily Rose. I don’t know who you think you’re kidding, sweetheart, but if you’re planning to squat on his property you can forget it.” It was getting harder by the moment to hang on to her temper. “You’re wrong, Mr…?” He made no effort to answer, just continued to glare down the length of his nicely shaped nose. “Mr. Flanagan decided to move in with his son in Calgary. He listed the property for sale several weeks ago with Smith Real Estate in Dawson. I’m the person who bought it.” His features looked even harder than they had before. “That’s impossible. I tried to buy this place from Mose Flanagan every other month for the last four years. He refused to even consider it.” Her irritation inched up a notch. “Well, apparently he changed his mind. The transaction officially closed yesterday morning. I don’t know why he didn’t tell you the property was for sale.” When his black scowl deepened, she couldn’t resist adding, “Maybe he just didn’t like you.” He opened his mouth to argue, clamped down on his jaw instead, and a muscle jumped in his cheek. Apparently her goading had hit on a portion of the truth.

Focusing only on the short term puts us in a position to make bad choices. We ignore all other factors that lead to the overall value of the loan in order to achieve that one singular goal now—whether the goal is a lower payment, a lower interest rate, or a dream home. In the long term, this always proves to be costly.

Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

Why don’t you come back to London, then?” “I can’t.” “If it’s because of your plan to visit every tenant family on the estate, I don’t see the need--” “No, it’s not that. The fact is…Eversby Priory suits me. Damned if I know why.” “Have you developed an attachment for…someone?” Devon asked, his soul icing over with the suspicion that West wanted Kathleen. “All of them,” West admitted readily. “But not one in particular?” West blinked. “A romantic interest in one of the girls, you mean? Good God, no. I know too much about them. They’re like sisters to me.” “Even Kathleen?” “Especially her.” An absent smile crossed West’s face. “I’ve come to like her,” he said frankly. “Theo chose well for himself. She would have improved him.” “He didn’t deserve her,” Devon muttered. West shrugged. “I can’t think of a man who would.” Devon clenched his hand until the scab over his knuckle pulled stingingly tight. “Does she ever mention Theo?” “Not often. I can’t imagine a more dedicated effort to mourn someone, but it’s obvious that her heart isn’t in it.” Noticing Devon’s sharp glace, West said, “She knew Theo for a mere matter of months and was married to him for three days. Three days! How long should a woman grieve for a man she scarcely knew? It’s absurd for society to insist upon a fixed mourning period without regard to circumstance. Can’t such things be allowed to happen naturally?” “The purpose of society is to prevent natural behavior,” Devon said dryly. West grinned. “Granted. But Kathleen isn’t suited to the role of drab little widow. She has too much spirit. It’s why she was attracted to a Ravenel in the first place.

There was no doubt where this would lead: One did not share a bed with a naked adult in his robust masculine prime and expect to leave it a virgin. But she also knew where it would not lead. She had seen Devon’s face on Christmas Eve as she had held the tenant’s infant daughter. His expression had frozen for a brief, brutal instant of dread. If she chose to let this go any farther, she would have to accept that whatever his plans were for the estate, they did not include marrying and siring children. “This isn’t an affair,” she said, more to herself than to him. “It’s only one night.” Devon lay on his side, a lock of hair falling over his forehead as he looked down at her. “What if you want more than that?” he asked huskily. “It still won’t be an affair.” His hand caressed her over the covers, charting the shape of her hips and stomach. “Why does the word matter?” “Because affairs always end. So calling it that would make it more difficult when one of us wants to leave.” Devon’s hand stilled. He looked down at her, his blue eyes as dark as pitch. Candlelight flickered over the hard, high planes of his cheeks. “I’m not going anywhere.” He took her jaw in his hand, his mouth covering hers in a strong, urgent kiss--a kiss of ownership. She opened to him, letting him do as he wished, while he searched her with aggressive ardor.

Dominic Mallory had never been one to debauch virgins, but he was beginning to think he should make an exception for this beauty. He took a quick glance around the wide stone terrace before he stepped farther back into the shadows. Good, they were alone. He ground out his cigar as he blew a last circle of smoke into the cold air. If he had it his way, nothing would disturb this moment. Rushing a seduction took all the anticipation out of it. Seduction hadn't been his plan when he arrived at his family's estate. In fact, he'd come straight to the terrace in order to avoid the celebration inside. Now he knew he'd made the right choice. He could have a much more interesting party alone with this young woman. She leaned on the terrace wall, completely oblivious to his presence. He had been more than aware of hers from the moment she slipped from the crowded ballroom into the frosty night. Now she stared up at the stars, giving him the impression that her heart and mind were leagues away. Her jet black hair matched the inky sky. Somehow during the evening, a few long, curly strands had come down from the elaborate pile on her head, leaving a tantalizing trail down the middle of her back. A trail he longed to follow with his lips. He sighed softly.

I said, "I'm satisfied teaching the martial arts." "Not me," Arnold responded. "Bodybuilding is just a stepping-stone to me. I plan on becoming a real estate mogul, and from there, I plan to get into the movies." I had to smile as I said to myself, "How's he going to be an actor when he can hardly speak English?

Denis’ cave to be such a regular haunt for hundreds of thousands of years is not usual. You can see why though. Despite the gritty weather, it’s a highly desirable residence; a waterfront property overlooking a picturesque river, the rustic estate boasts a wide rectangular south-facing entrance, into a nine-by-eleven-meter main chamber served by a working vertical chimney for a fireplace or kitchen stove, with three smaller secluded side galleries for bedrooms or even a study. Total floor plan: roughly 270 square meters. In 2008, the remains of one

Financial Advisor: “A Plan for Your Retirement” College Alumni Association: “Leave a Meaningful Legacy” Fine-Dining Restaurant: “A Meal Everybody Will Remember” Real Estate Agent: “The Home You’ve Dreamed About” Bookstore: “A Story to Get Lost In” Breakfast Bars: “A Healthy Start to Your Day

The first responsibilities that typically transfer are managerial and operational roles; the second are nonvoting shares (typically driven by estate planning prerogatives) and next comes control over the voting shares. Typically, it is the family leadership roles that are the last to be handed down.

Strategy #10 – Saving for Your Child’s Education with Maximum Tax Benefits The challenge I have with government-sponsored educational savings plans is that the government is in control of your money, how you use it, when you use it, and how it’s taxed. For example, in a 529 plan (also called a Coverdell IRA), you can deduct money you contribute to the IRA and then when you use it tax-free for your child’s education. Sounds almost too good to be true, doesn’t it? What sort of limitations do you think the government places on these funds in order to control your money? First, they control how much you can contribute. Then, they control what you can do with the money in the plan, even controlling how you invest the money. Next, they control what expenses you can pay for with the fund. Only certain educational expenses qualify. Finally, if you don’t use the funds for education, you have only two choices. One choice is to transfer the money to a relative who can use it for their education. The other is to distribute it to yourself and pay taxes and penalties. So, if you make too much money from your investments in the plan, you pay a penalty for not using all of the money for education. What if you could have all of the tax benefits of a 529 plan without giving the government any control over your money? Wouldn’t that be a lot better? In tax strategy #5 we talked about paying your children to work in your business. When I teach this principle in my Tax and Asset Protection class, the question always comes up about what to do with the money you pay them. This is the perfect opportunity to have your children pay for their own education without having to rely on Section 529 plans or other tax-deferred, government controlled educational savings plans. Your children can contribute their money to an LLC, limited partnership, or S corporation that owns a business or investments. Like a 529 plan, you get a deduction when you pay your child a salary. Like a 529 plan, there is no tax to the child when received. Like the 529 plan, with good planning, especially in real estate, there is no tax on the cash flow from the investment. But unlike a 529 plan, you have full control over the investment. Unlike a 529 plan, you can take it out and use it for any expense for your child (except for support, like food and clothing), and you can take it out any time you like. Unlike a 529 plan, there are no penalties for distributing the money or accumulating a huge amount over a lifetime. Now isn’t that a much better plan than a government-controlled savings plan? Stop using government plans and make your own plan. You will have much more control and

Almost every great deal came as a result of some investor having the ability, desire, and plan to fix someone else’s problem. Money was made as a result of this. If you want to make wealth in real estate, learn how to fix other people’s problems and you will find that wealth finds you.

What does my birth certificate prove, anyway? That I was once born? That I was once fully human? I know these things without needing a piece of paper that I can't even read because it's sewn into one of a pair of gloves. Also, I'll have forever to build up a collection of books, and a collection of clothes for myself. In fact, I plan on one day having a library, which will be in one of the rooms of my own house. I'll also own a gallery. I'll set it up in my own name, and I'll run it for a few years, and then hire other people to manage it while I retreat into the background, overseeing things from a distance. In that time, I'll be making artwork under different names; then, eventually, I'll write up a press release declaring that I have died peacefully at home from old age and that I am passing my gallery and estate down to my adult daughter, who will just be me. And I'll repeat the process again, and then again. I'll have artwork belonging to me, books, a building with my name on it.

Your Last Will and Testament • Estate Plan • Name and Contact Information of Executor • Contact Information for Attorney and Accountant • Deeds and Titles for all Assets • Life Insurance Account Numbers and Contact Information • Bank Account Numbers and Contact Information • Retirement Accounts and Contact Information • Credit Card Accounts and Contact Information • List of Regular Bills, especially those on autopay • List of Mileage Accounts and Other Loyalty/Reward Programs • Comprehensive List of Passwords

While great negotiators can sometimes turn situations where there is a gap between buyer and seller MAOs, in many cases, the price gap is impossible to overcome and the likelihood of a deal is small. For that reason, we typically like to take one of two approaches to these types of negotiations: Go in with a very low offer (typically at or below your target price) in hopes of shocking the seller into realizing that his property is worth much less than he had thought. If he doesn’t walk away and is still willing to negotiate, there is a chance that he is more highly motivated than you had anticipated, and he may reduce his MAO. If we wanted to go this route for the example above, we’d likely pick an opening price bid somewhere in the $140,000 to $150,000 range. Communicate to the seller that you don’t want to insult him with a low price and that you don’t plan to make an offer. The seller will either thank you for your honesty (in which case there was no deal to be made), or the seller will ask you what your price would have been. If the seller is interested in what you would have offered, that’s an indication that he may be more motivated than we suspected, and again, may be willing to move off his MAO. If the seller asks you what your offer would have been, we typically will present the offer exactly as we did in the first example above, but indicate that we might have a bit of flexibility in that price.

Patrick Swayze

Planning your estate ensures that your family's future is secure and harmonious after you're gone. Properly organizing the distribution of your property prevents conflicts and misunderstandings, fostering respect and unity among your loved ones.

Estate planning starts with understanding your value and doesn't stop after your demise.

We proceeded under the thinking that passing highly appreciating assets was a smart estate planning move. Indeed it was—from just that one lens. However, the assets in question appreciated dramatically beyond our expectations, which resulted in a higher proportion of wealth at the younger generation than might be ideal as compared to the older generation. This imbalance has created some regret within the older generation (“giver’s remorse,” if you will). From a lesson’s learned perspective, what I’d say to other family office principals is to give thought to the range of outcomes when passing assets to the next generation. How would you feel if the asset went to zero? If it appreciated twentyfold? While a potential gift or sale may be tax efficient, does it align with your goals and desires for you, your children, and the larger family office? I

Following the 4 Percent Rule still gives you a 5 percent chance of running out of money, due to a phenomenon known as sequence-of-return risk. Your backup plan is to use the Cash Cushion and the Yield Shield. Cash Cushion: A reserve fund held in a savings account that you can use to avoid doing a full portfolio withdrawal during down years. Yield Shield: A combination of dividends and interest being paid by your ETFs that is delivered as cash without selling any assets. The Yield Shield can be raised by pivoting some of your assets into higher-yielding assets, such as . . . Preferred shares Real estate investment trusts (REITs) Corporate bonds Dividend stocks The size of the Cash Cushion is determined using the following formula: Cash Cushion = (Annual Spending − Annual Yield) × Number of Years

her the legal authority

a gentleman of thirty-two who could calculate an eclipse, survey an estate, tie an artery, plan an edifice, try a cause, break a horse, dance a minuet, and play the violin.

The war, like all wars, was proving more expensive for the Bourbons than planned. Since the alliance, France had advanced to the Americans over 100 million livres, about $25 million, in loans, supplies and gifts, and before it was over the cost of the American war for France would amount, by some estimates, to 1.5 billion livres, a historic sum that was virtually to bankrupt the French national budget and require the summoning of the Estates General in 1789 that led to the arrest of the King and the sequence of eruptions that became the French Revolution.

Estate planning is about communicating with your family. It

U.S. Appeals Court Judge Learned Hand once observed, “There are two systems of taxation in our country—one for the informed and one for the uninformed.” I agree. When it comes to taxes, there are two kinds of people: consumers and investors. One group avoids planning for taxes, and the other plans for avoiding taxes. One sees doing their taxes as a painful chore that costs them money, and the other views their tax work as a necessary task that saves them money. Consumers think of tax refunds as found money they didn’t have. Investors see tax refunds as evidence of money they overpaid. When you connect tax work to the money you save versus the money you pay, thinking about and working on your taxes cease being so painful. It’s still work, but it doesn’t have to be your work. Accountants will do it for you, because they’re the only ones who think tax work is fun. In

Wendy sat in my o ice, perched on the edge of her chair, alert, inquisitive, and a little bit embarrassed. An experienced and highly successful real estate agent, she had come to me for a financial consultation—and the facts of her situation were hardly reassuring. Although she earned well over $250,000 a year and was able to put two kids through private school at an annual cost of $15,000 each, her personal finances were a mess. A self-employed single parent, she had less than $25,000 saved for retirement, no life or disability insurance, and never bothered to write a will. In short, this intelligent, ambitious businesswoman was completely unprotected from the unexpected and utterly unprepared for the future. When I asked Wendy why she had never done any financial planning, she shrugged and o ered a response I'd heard countless times before: “I've always been too busy working to focus on what to do with the money I make.

In the end it’s the tax-deferred 1031 exchange that gets massive use by Millionaire Real Estate Investors. This program in the IRS tax code allows you to sell and buy properties without having to declare capital gains or pay those taxes. It’s a very straightforward procedure, but it takes some planning. First, you need to hire a 1031 Qualified Intermediary before you close on the sale of one of your properties. That person will act as your guide and escrow agent as you move through the sale of one property and the purchase of the next. After the sale of your “relinquished property” you have 45 days to identify the “replacement property” and a total of 180 days to close on that second property. You want to be looking for the replacement property before or during the marketing of the property you are selling. If you find a good opportunity, you can enter into a contract with a right to assign clause if your first property does not sell or with a 1031 clause in the purchase agreement if it does. Many people have the mistaken notion that you are exchanging your property with someone else: You take theirs, and they take yours. In some cases that can be done, but it is neither the purpose nor the requirement of a 1031 exchange. A 1031 exchange is designed for you to “exchange” one property in your portfolio (sell it) and replace it with another one that you wish to buy. It allows you to keep purchasing larger, more expensive properties without having to pay capital gains taxes on the ones you sell. This is a wonderful way to keep your money working for you.

Part 1: Creating a Niche Website Overview Before we begin in detail, let’s familiarize ourselves with the phases of creating a niche site from start to finish. The timeline on the next page shows the relationship of the phases. Phases Planning - Define and refine the objectives, and plan the course of action to achieve the objectives for your Niche Site. Keyword and Product Research - A critical component of the process that forms the foundation of your niche site project. In this phase you identify candidates for the overall subject matter of your Niche Site. First Page Competition Analysis - Goes hand in hand with keyword research and has the power to dictate the success of your website. This helps narrow down your potential keywords based on the overall competition. Buying a Domain and Hosting - Setting up the online real estate for your new website

the best financial plan has nothing to do with what the markets are doing, nothing to do with what your real estate agent is telling you, nothing to do with the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you.

You could say that they had already gotten their share of the copper mining fortune of W.A. Clark. The millions had been divided equally among his five surviving children: Huguette and her four half-siblings from his first marriage. Each of W.A.'s five children who lived to adulthood had received one-fifth of his estate after his death in 1925 equal shares for May, Katherine, Charlie, Will, and Huguette. Huguette got her allowance for a couple of years, and eventually got something extra, inheriting Bellosguardo and the jewels and cash that her mother received from her prenup. But W.A.'s plan, it seemed, was to treat each of his children equally.

ahead and do this. If you will reach a point at which you will need Medicaid to pay for your loved one’s nursing-home care, Medicaid will require you to take some of the last remaining funds and preplan the funeral, to be sure that your loved one’s estate provides the funds for this final act.

I have the privilege of knowing Ron Blue. Besides being a highly accomplished writer and speaker, Ron founded a financial estate and investment counseling firm to serve clients throughout the United States and Europe. Ron began this firm with a unique vision. In his commitment to mentor clients in principles of good stewardship as well as sound financial planning, Ron envisioned a day when those clients could collectively give a billion dollars a year to kingdom work. Now that’s a vision clearly tied in with what God is up to in history! His

If you’re stuck without lab-tested coffee, here is how to reduce your risks of getting mold toxins in your coffee. First, look for single-estate coffee. That means the beans come from one place, so if you’re lucky enough to get mold-free beans, you don’t have to worry about them being mixed with other moldy beans. This is why blends of coffee are a bad idea, even if they taste good. Second, look for washed coffee, because washed coffee is better than natural-process coffee. Steer clear of natural process entirely. The third thing to do is to look for Central American coffee, which is often better than coffee from other regions. The fourth thing to do is to look for high elevation, as that can reduce mold problems by making stronger plants. Remember, an “organic” label means nothing—most of the best coffees come from small plantations that could never afford an organic certification because the paperwork cost would put them out of business. Plus, organic coffee can sit in dirty water and grow mold toxins just like conventional coffee can.

When the time comes for someone to step in and become the expert on your life, you have the ability to prepare them.

You’ve considered writing a developer proposal. Your intention being, to submit the winning proposal. Thus, positioning yourself – as the developer – to be in contention for consideration pertaining to the acquisition of now non-performing city-owned properties that can be rehabbed. Ok… Proposed property acquisitions – as well as debt and equity allocation – should be managed by designated personnel on the developer’s Management Team. This organizational structure-type is provided to a municipality in a Response. Management Team experience – as well as assigned project responsibilities – will be articulated for the municipality on the developer’s org chart. The org chart is provided to the municipality as a supplement within the Response. The submission of a proposal will enter the developer – I.e.: the Respondent – into a competitive selection process. There is a lot that goes into writing a good proposal. Build plans in. Architectural plans in. Design plans in. Lots of minutiae. My opinion? Keep it simple. And one way to do just that – assuming all of your build details are in place – is by illustrating a good understanding of how to effectively couple financing, to equity.

Creating your personal estate plan is a must, especially if you have a complicated family relationship.

Wills: Best for simple estates, designating guardians for minors, and straightforward asset distribution.

Puget Sound Annuities leader, David Snavely leads the financial planning firm which was brought about through the company he founded 36 years ago—Sound Investment Services. He focuses on retirement income planning and assists clients as they create customized plans to meet their future goals. Mr. Snavely’s company provides an array of services as well as financial products. These include retirement and estate planning, insurance, and investments. In his spare time, he can be found enjoying the outdoors.

The best outcomes—in any of life’s endeavors—are almost always the result of a big plan powered by persistent effort over time.

Trillions of dollars in homeowner equity…so are the best “captains” of “equity conversion airplanes” the homeowners themselves? No. There is an impetus placed upon real estate professionals - as well as an implied responsibility - to honestly, to effectively and to accurately communicate reality to home sellers. An inability to do so? Fewer real estate listings. Lower sale prices for home sellers. Less equity converted into cash for home sellers. Less revenue for real estate companies. Inopportune…across the board. Three years ago, American homeowners were custodians of an estimated $19 trillion in homeowner equity. Furthermore, over the past three years - even with these stubbornly-elevated mortgage rates - we witnessed an uninterrupted, further run-up in home prices. More equity gained, for American homeowners. As mortgage rates ease downwards heading into the fall, unlocking trillions of dollars in homeowner equity - as a result of more homeowners deciding to either trade up to larger homes, or to downsize to smaller homes, circumstances permitting - will trigger a large-scale (and an upcoming) re-thinking of this following question by more and more homeowners: What shall we now do with this equity we have in our home? So what’s the plan? In real estate, the effective utilization of well-tested "tools,” such as 3-D tours and virtual staging, coupled to good marketing processes - I.e.: a Marketing Plan - deployed by successful real estate teams is a great way for homeowners to convert the equity they have in their homes into cash. It works. Ok, so if you are a for sale by owner home seller in 2024, data indicate that an over-reliance in - as well as, maybe, blind faith placed upon(?), “the Internet,” if you decide to sell your home yourself, FSBO, could lead to an entirely avoidable (and a costly) home selling misadventure. As well as to a saddened foray for home sellers into this unintended outcome: lower sale prices.

The Lost Estate is more than just a guide to financial planning—it’s a call to action for African-American and Hispanic families to take control of their legacy. This book empowers readers with the tools to protect their assets and build generational wealth for future generations.

Finding the Best Accounting Firms Near You In today’s business landscape, having the right accounting firm can make a significant difference in managing your finances, ensuring compliance, and planning for growth. Whether you are a small business owner or an individual seeking tax advice, finding the best accounting firms near you can provide the expertise and support needed to maintain financial stability. Why Local Accounting Firms Matter Choosing a local accounting firm offers several advantages, especially when it comes to personalized service and understanding local regulations. Local firms are familiar with state-specific tax laws and compliance requirements, which can save time and prevent costly mistakes. Moreover, they offer face-to-face meetings, allowing for better communication and a stronger relationship between the accountant and the client. This personalized approach ensures that the accounting services are tailored to your unique needs. Services Offered by the Best Accounting Firms The top accounting firms near you typically offer a wide range of services that cater to both businesses and individuals. These services may include bookkeeping, tax preparation, payroll management, financial consulting, and auditing. Additionally, many accounting firms provide specialized services such as estate planning, business valuations, and forensic accounting. With such comprehensive services, the best firms ensure that every aspect of your financial management is handled efficiently and professionally. Expertise and Experience One of the most important factors in choosing the best accounting firm is the level of expertise and experience they offer. Reputable firms have a team of certified public accountants (CPAs) and professionals with years of experience in various industries. This allows them to provide valuable insights, strategic advice, and accurate financial reporting. Furthermore, experienced firms are better equipped to handle complex financial situations, ensuring that your business remains compliant and financially sound. Reviews and Reputation Before making your decision, it’s important to research reviews and the reputation of the accounting firms near you. Online reviews and testimonials can provide insight into the experiences of past clients and help you choose a reliable firm. Additionally, asking for referrals from other business owners or professionals in your area can guide you toward a trustworthy accounting partner. In conclusion, finding the best accounting firms near you is crucial for managing finances and ensuring compliance. By considering factors such as local expertise, services offered, and reputation, you can choose an accounting firm that meets your specific financial needs and goals.

While most people would say they want a great life, they rarely plan beyond the current year. As a result, they choose a financial model that fits only their short-term goals, and that financial shortsightedness can be devastating to their long-term dreams.

Finding the Right Accounting Firm Near You Choosing the right accounting firm is crucial for managing your financial records and ensuring compliance with regulations. Whether you’re a small business owner or an individual in need of tax services, working with a local accounting firm can provide personalized support and expertise. By finding a firm near you, you can establish a close working relationship and enjoy the convenience of in-person consultations, making it easier to address your specific financial needs. Benefits of Working with a Local Accounting Firm One of the main advantages of working with a local accounting firm is the ability to meet face-to-face. This personal interaction helps build trust and fosters a stronger understanding of your financial situation. Local firms are also more familiar with regional tax laws, regulations, and business practices, allowing them to offer tailored solutions that align with your needs. Additionally, local firms often provide quicker response times and more personalized services compared to larger, national firms, which can be beneficial for small businesses and individuals. Services Offered by Accounting Firms Near You Most local accounting firms provide a wide range of services that cater to both businesses and individuals. These services include bookkeeping, tax preparation, payroll management, auditing, and financial consulting. For businesses, accounting firms offer valuable assistance with tax compliance, budgeting, and cash flow management. Individuals can also benefit from services such as personal tax filing, retirement planning, and estate management. Many firms also offer specialized services tailored to specific industries, ensuring that they meet the unique needs of their clients. How to Choose the Best Local Accounting Firm When searching for the best accounting firm near you, it’s important to consider factors like experience, reputation, and the range of services offered. Start by looking for firms that specialize in your industry or financial needs. Additionally, check reviews and ask for recommendations from local businesses or colleagues. It’s also a good idea to schedule an initial consultation to assess the firm’s approach and ensure it aligns with your financial goals. Conclusion In conclusion, finding the right accounting firm near you can significantly enhance your financial management. By working with a local firm, you benefit from personalized services, in-depth regional knowledge, and a close working relationship. With the right partner, you can ensure that your financial records are accurate, compliant, and aligned with your long-term goals.

What they did share was a burning desire and a readiness to change their lives, to succeed on their own, without a job or a boss, without a pension plan or a safety net.

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Kaida's attorney suggested a quit claim deed as the best vehicle for transferring Gail’s home into Kaida's name with a limiting clause for a life estate for Gail. The single page was drafted on his computer. When Gail asked Kaida why her beneficiary deed and her will were not sufficient, Kaida told her the new “trust” was more complete. It ensured that Grant and Paige would finally inherit her property at the end of Kaida’s life. It would also substantially help her build Kaida’s credit back from the bankruptcy to have her name on the deed. Gail certainly loved Kaida and her grandchildren. Gail trusted Kaida’s promise to care for her in her old age, and she believed their funds had become hopelessly co-mingled, so that sitting in the attorney’s office that day, she finally agreed to sign the trust document with a “joint tenancy life estate” on her property. It felt like a business transaction. It was only right to incentivize Kaida for her promise to care for her in her old age.

It seemed Kaida was a bit too anxious about her mother's estate, all of it, to be exact. It worried Gail. In a lucid moment, considering that Christmas was again approaching, Gail cleverly devised a quit claim deed giving her property to herself, Elsie, and Melanie with Kaida inheriting her mother’s share at her death. This would repair the damages done by her will. She filed this quit claim deed in a cabinet, meaning to ask an attorney about it with her potential bequests and concerns, but it slipped her mind. Instead, she shopped for gloves and slippers and bought other novelties that Christmas. She forgot to bring the deed to light.

Thomas Rauchegger of Cramer & Rauchegger, Inc. is an accomplished financial consultant, licensed Series 7 Securities Representative, a Series 66 holder, a Certified Estate planner, and a life insurance license holder who obtained a Master of Business Administration from the University of Central Florida. In his 15 years of experience, Tom has adopted a philanthropic approach in the areas of finance and estate planning – delivering reliable and trustworthy service to all clients as an advocate for the best-possible retirement years.

donde, como vimos, el flujo de veraneantes continuó sin pausa por la ruta de la democratización del balneario. Estas historias paralelas convergieron alrededor de una figura, la de Manuel Fresco, gobernador de Buenos Aires desde 1936. Católico ferviente, admirador del líder fascista Benito Mussolini, a él se debió la reimplantación del “voto cantado” en los comicios y otras formas de manipulación electoral. Fresco fue, también, el promotor de un vasto plan de obras públicas cuya inspiración provino de la súbita popularidad de la acción estatal en el mundo después de la Crisis de 1930. La Oficina Internacional del Trabajo, recordó en un discurso, aconseja que en los momentos de depresión, cuando las actividades privadas se restringen, se dé especial impulso a la obra pública que es considerada con toda razón un valioso factor de estabilización económica. En manos del gobernador bonaerense, ese consejo se tradujo en un gran programa de obras que tuvo en el engrandecimiento de Mar del Plata su realización más ostensible.

In my experience, people who study climate change are planning for this last scenario in their own daily lives. At work, they write about the RCP2.6 path and how to get on it. At home, in their free time, they fight to get their communities on the RCP2.6 path. But when their day is over and they are sitting on the couch, they make choices that reflect their worry that we are probably on the RCP8.5 path. They look online at properties in, say, Canada or Sweden. They talk to real estate agents and ask questions like, "Does it have year-round flowing water?" They have conversations with their partners about which countries have stable governance and won't have malaria. With insider information and disposable income, they are preparing in advance to flee.

If you're looking for a fiduciary advisor in the Northville area, we can help. Our Fiduciary advisor Northville at Financial Strategies Group, INC of experts, is ready and waiting to partner with you to create an estate plan or financial plan tailored specifically to your needs. We make it our goal to ensure all of our clients get the most out of their money while still enjoying peace of mind about what will happen if they ever become incapacitated or pass on unexpectedly.

The Lodha Group, India’s largest real estate developer, is collaborating with the Rocky Mountain Institute to achieve Palava City’s net-zero target.

Edward IV’s ‘regional’ policy: The stimulus for this investigation was D.A.L. Morgan’s analysis of Edward IV’s second reign… Morgan proceeded to explain that this ‘territorial re-ordering’ was designed to cure disorder and lawlessness in the localities. Thus, Morgan suggested, Edward intended ‘the creation of an apanage’ for his second son, Richard, Duke of York, and that ‘by 1475 the plan was to endow him with a collection of lands in the East Midlands’. Also, the king ‘bent his efforts to making his elder son’s household at Ludlow the governing power in Wales and the West Midlands...and similarly to establishing his brother [Richard, Duke of] Gloucester as heir to the Neville lands and ruler of the North’. Furthermore ‘1474 saw the scheme pushed forward...and the beginning of an apanage endowment for the king’s stepson Thomas Grey [Marquess of Dorset] in the South-West’. Moreover, Edward’s ‘two leading household men were fitted in as the heads of further regional blocs’: his steward, Thomas, Lord Stanley, was ‘made undoubted ruler of Lancashire’, while ‘in Cheshire and north-east Wales also Stanley power was extended’ through Stanley’s brother, William; and the king’s chamberlain, William, Lord Hastings, ‘similarly emerged in 1474 as ruler of the North Midlands from Rockingham to the Peak’ (pp. 1–2). …the concept of Edward IV’s provincial policy raises much broader questions… whether this regional policy was planned or unintentional, and also as to whether its consequences were constructive or destructive. Furthermore, in a broader context, Edward’s scheme also suggests the importance of issues concerning the concept of regions, with potential implications for our study of politics and government in the localities, as well as questions regarding royal authority, governance, and the constitution, in general, in the later fifteenth century (p. 5). …This topic [Arbitration] is inseparable from the wider consideration of justice, and law and order, and these aspects could be the subject of substantial research in themselves; hence the remit of this study is specifically limited to questions of politics and governance. Arbitration of disputes may indicate a magnate’s influence and local standing, but this is, of course, not the only way in which to ascertain a magnate’s power in the localities: consideration of his estates, offices, and clientele reveals the extent to which his lordship pervaded local society (p. 8).

Real estate is a simple business to learn. The difficult part is the self-mastery and the ability to persevere when times get tough. Every day there are hungry, well-seasoned professionals that are trying to take the deals that you are searching for. There will be plenty of times where you think you have a deal closed, and something doesn't go as planned. When that happens, understand what went wrong and stay connected to our success formula. Eventually, if you keep moving forward, the deals will come, and your life will change forever.

Right. Now. If you’ll all excuse me, I have plans to fuck my wife in a nearby bathroom before we go get Chinese takeout. I wish you all the best.

The cost of the first phase was astronomical because of 1) inefficient phasing and high real estate costs, 2) powerful unions earning high wages and dictating costly work rules, and 3) regulations and environmental sensitivities.