Estate Planning Quotes

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.

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.

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

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

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!

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

Real property is a form of investment Real v on shenton floor plan estate is a type of funding and is shortly being adopted by many people. The benefits of actual property investments are many as mentioned here.There is a common adage that says do not put all your eggs in one basket. This is the place real estate steps in to supply diversification. Diversification means spreading the danger of your cash. Real estate supplies one other way of investing money quite than investing it all in one place. Additional advantages of real property investments are that by precept, you get to pay down as a substitute of up. As if that's not sufficient, you are assured that real property investments will appreciate in worth over time. This implies extra money for any investor. Think about it. Take up actual estate investments and start having fun with the advantages that include being part of real property. Among the different advantages of real estate investments is that in case you desire a loan from a monetary institution, the true property can act as a security for the loan. Most of the time, it is accepted as security by financial institutions. That is due to its capacity to keep rising in worth. Proudly owning actual property will subsequently will increase the probabilities of one accessing credit score supplied one offers the necessary documents to show ownership.

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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

Investment In Real Estate Is A Worthwhile Endeavor Several factors has to be studied by any individual who is planning an investment in real estate. For example, if business properties are desired, the client should are aware of they may be targeting certain conditions that aren't typically seen with residential properties. Nonetheless, for the appropriate particular person, and for those who plan fastidiously and receive good recommendation, this feature investment will be highly profitable. Individuals looking for commercial properties can certainly find that there are numerous kinds of institutions by which to come up with selection. For instance, an individual should purchase a restaurant or lodge, or invest in a retail store. The consumer may also select to buy an investment property comparable to your rent amount advanced and make an income from leaseing every unit. Office constructings can also be a smart selection, as tenants will likely be seen reasonably ardmore three wheelock quickly. It's fundamental, nevertheless, to buy such properties in nearly anything that receives beneficiant traffic. Most commercial institutions fail if they can't appeal to a steady transfer of customers. Buying residential property is something customers may additionally wish to think about that these planning to decide on their investment portfolios. For instance, an individual may decide to obtain a dwelling that have been renovated. Sometimes called "handyman specials, " such properties will be repaired which can offered during profit. Fortuitously, usually they are cheaper than properties that are in good repair. It is also a possibility to build an ad or residential property can be an investment. Builders who've satisfactory money to finance exceptionally challenge made having a tract of land and fill homes for it on the market to the general public. However, as soon as again, it is essential to pick a location carefully, as it may possibly nominal good to supply homes for sale in a part of the country in which nobody wants to live. Purchasing the primary property one finds is rarely a clever program of action. Instead, it is always the most effective interest match investor to comparability store attempting to discover at a couple of home or business earlier than making a final decision. It will make sure that the excellent ill use made. It can be more suitable obtain authorized advice every time one is planning to purchase various types property. This is even if that the buyer must have assurance that the property just isn't encumbered, and he or she can even want knowledgeable to make all the paperwork regarding the transaction is legal. Finally, individuals planning an investment in real estate will find that it plan of action is sensible, supplied they plan with care and hire a reliable broker to supervise their transactions.

Realty investing is something you can assist to variety your profile more varied. Putting your cost savings into structures and land can provide you expanded your financial investments over even more sectors besides simply bonds and stocks. Continue reading to find out properly to buy investor. When choosing to purchase realty, make it expert by establishing an LLC. This will assist to shield both you personally and the financial investments that you make in the future. It can likewise provide you tax advantages thanks to your company negotiations. Constantly get a great feel of the neighborhood values resemble. Home loans and rental costs in communities that are regional will provide you a home is worth. Be particular you invest adequate time on business as well as discovering about exactly how it works. You need to budget plan your time invested on various other activities in order to make even more cash over the long run. Ditch the poker night or an additional guilty satisfaction so you have even more time to sharpen your investing abilities. Stick with niches you feel comfy handling. You will discover more success by adhering to a specific market sector. Whether you prepare to flip a residence, purchase or buy a rental home repossession, stay with exactly what you understand for success. Get to understand others in genuine estate market. It can be practical to have a couple of buddies who understand about investing in genuine estate. Troubles with lessees could take in a large amount of time. This presumption is harmful in the genuine estate market and any specific home. Your finest bet is to invest in things that supply a favorable money flow right away. Land near water or in the future. If you buy a home with the objective of leasing it out, be cautious of who you let lease it. If they can not get their cash together at this time, they aren't a trusted bet for you. When thinking about a big factor to consider for buying genuine estate, Area is critical. Consider the location you are deciding to purchase and the possible capacity. Make sure you are a great bookkeeper. You will conserve yourself a significant headache later on if you're excellent accounting now. You can find info about city planning information and various other details that could affect genuine estate values in the future. A growing city that's growing is an excellent financial investment. When attempting to get that next offer, never ever over-leverage yourself. You should keep money on reserve in case the unanticipated expenditures. Begin little with simply one home. Start with a single home and discover as you desire to make use of. Realty is a wonderful method to branch out. There are particular guidelines you need to comprehend. Use this short article when you begin to invest into genuine estate in order to end up being effective in it. Continue reading to discover the right means to invest in luxury condos miami financier. When choosing to invest in genuine estate, make it expert by setting up an LLC. Get to understand others in genuine estate market. It can be valuable to have a couple of pals who understand about investing in genuine estate. Use this post when you begin to invest into genuine estate in order to end up being effective in it.

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.

In contrast, “community property” states have no inheritance requirements for spouses. Instead, spouses are protected by the rule that each spouse owns one-half of all property acquired by either spouse during marriage. There are, of course, some exceptions. For example, property owned by one spouse before marriage and kept separate during the marriage remains the separate property of that spouse, as does property inherited by or gifted to one spouse.

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.

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.

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

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.

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.

Estate planning is about communicating with your family. It

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?

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.

Building Information Modeling (BIM) is a trending 3D model-based process that gives architecture, engineering, and construction (AEC) professionals the insight and tools to more efficiently plan, design, construct and manage buildings and infrastructure. Arcengine provides the outsource bim services for AEC professionals to better understand the plan insights. We have professional bim staff having more than 6 years of experience in the real estate sector. Our primary focus is to make design error & revision free to decrease the turnaround time. We please to hear you from about your project. If you want to know more about us & the latest updates visit our website.

The type of work you do can affect the size and type of screen that works best for you. If you're not worried about graphics, a 12-14 "screen size is acceptable. If the work you're doing is graphically intensive, a 15-17" is best. Screen sizes range from 12 to 19 inches. A laptop with a smaller screen is a great option if you don't plan on using a laptop too much. Upgrading from 256MB of RAM to 512MB of RAM will speed up your laptop. If your needs are somewhat mundane: email, spreadsheets, word processor, etc. 512 MB of RAM should suffice. RAM is for a computer what is the location of real estate. You should also think about the hard drive of the laptop you are considering. The hard drive is also a very important specification to keep in mind when buying a laptop. The speed of a hard disk is normally calculated in rotations per minute. A hard drive of around 50 GB or more is a good rule of thumb.

As I travel around the financial services industry today, the most interesting trend I see is the one toward relationship consolidation. Now that Glass-Steagall has been repealed, and all financial services providers can provide just about all financial services, there's a tendency - particularly as people get older - to want to tie everything up... to develop a plan, which implies having a planner. A planner, not a whole bunch of 'em... You've got basically two options. One is that you can sit here and wait for a major investment firm, which handles your client's investment portfolio while you handle the insurance, to bring their developing financial and estate planning capabilities to your client's door. And to take over the whole relationship. In this case, you have chosen to be the Consolidatee. A better option is for you to be the Consolidator. That is, you go out and consolidate the clients' financial lives pursuant to a really great plan - the kind you pride yourselves on. And of course that would involve your taking over management of the investment portfolio. Let's start with the classic Ibbotson data [Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates]. In the only terms that matter to the long-term investor - the real rate of return - he [the stockholder] got paid more like three times what the bondholder did. Why would an efficient market, over more than three quarters of a centry, pay the holders of one asset class anything like three times what it paid the holders of the other major asset class? Most people would say: risk. Is it really risk that's driving the premium returns, or is it volatility? It's volatility.... I invite you to look carefully at these dirty dozen disasters: the twelve bear markets of roughly 20% or more in the S&P 500 since the end of WWII. For the record, the average decline took about thirteen months from peak to trough, and carried the index down just about 30%. And since there've been twelve of these "disasters" in the roughly sixty years since war's end, we can fairly say that, on average, the stock market in this country has gone down about 30% about one year in five.... So while the market was going up nearly forty times - not counting dividends, remember - what do we feel was the major risk to the long-term investor? Panic. 'The secret to making money in stocks is not getting scared out of them' Peter Lynch.

I picture this scene—forgive me, this is a little bit irreverent—like one of those late-night infomercials about buying real estate with no money down. In effect, Washington said, “Look, here’s the plan. All of you are going to deed over the rural land you own to a neutral trustee. And the neutral trustee is going to divide it up into building lots and city streets. And you’re going to get back two-thirds of the land that you gave us in city lots. That means you are going to give away a third of your land to us, some of which is going to be used for city streets, and some as lots for public buildings. The government won’t pay you for your land, but your city lots will be worth a lot more than your rural real estate. The federal government is going to sell off most of its lots and with the proceeds we will pave all the streets, which is going raise the value of your real estate. What do you say?” And, of course, this is George Washington making the pitch, and everybody signs on.

Tech incubators are springing up around the country, and shared workspace buildings are everywhere, offering a range of plans as low as $50 per month to several hundred for the opportunity to work in a safe, comfortable, 24/7 open space environment. Rental rates vary based on the real estate market, but the lowered cost of shared workspace everywhere is rapidly transforming businesses.

They had become experts in their unique choreography: Jacques D’Amours handled leases and distribution, Richard Fortin examined the financial records and debts, Réal Plourde analyzed human resources and the operational structure, and Alain Bouchard looked at real estate and the global business plan. Each team member was important, each had his own strengths. It was a given that no decision of that scale could be taken unless they all agreed.

estate tax in our country is a voluntary tax - you only pay if you don't plan

On a per-mile basis, the completed section of the Second Avenue subway was the most expensive subway extension ever built anywhere in the world. Costs were high because of inefficient phasing and high real estate costs, powerful unions earning high wages and dictating costly work rules, and extensive regulations and environmental sensitivities. If the Second Avenue subway’s thirteen other planned stations are ever completed, the 8.5-mile line would be one of the world’s most expensive infrastructure projects, surpassing the $21 billion rail tunnel between England and France. Given the extraordinary cost and lengthy construction period, the Second Avenue subway will more than likely be the last subway line built in New York for generations to come.

I agree with you. I can't do this anymore either." She stiffened against him and made to turn around, but he stopped her. "I owe you an apology," he began quietly. "I'm sorry I made you feel like you couldn't trust me. I know you have no reason to, not with my track record, but I want you to know you can. When I met you, my whole life changed. If I could, I would go back and tell you the truth about everything - my name, Erin, all of it. I had no idea you were going to be.. the one." This time when she tried to sit up, Josh didn't stop her. "What?" she asked with trembling lips. "You're the one, Nicole," he said softly, his eyes meeting hers. "When I woke up the next morning and you were gone. I went crazy trying to find you. I didn't even know where to begin to look And then, last month, when I came to your house? I couldn't believe my good fortune. I was getting a second chance. I should have been honest with you that first night when I came back and told you I loved you. I had been looking for you. Waiting for you. There is no other woman for me, Nicole. Not now. Not ever. It's you." Her eyes welled with tears. "I don't know how to believe you." The honest admission hurt for her to even say, and when she saw understanding in his eyes, she felt her first glimmer of hope. Taking her hands in his, he pulled her close. "Let me what I've been up to." he began. "First those meetings in RTP? Those were with real estate agents. I'm moving my business here." "But what about--?" "Shh," he interrupted. "After we spoke Monday night, I sort of went a little crazy. I knew I had already gotten the ball rolling with moving the business but I knew it wasn't enough. So I did a little restructuring and promoted two of my guys. They'll be handling most of the traveling from now on. I may still have to go to a job site from time to time, but if I do then I want you and Ellie with me." "Josh, that wasn't--" "Hear me out." He placed one finger on her lips. "I'd like to keep the house in Wilmington because it's right on the beach and I'd love for us to have a place to go just to get away, but if you'd like to pick one of your own, I can sell it." "What are you saying?" He smiled as he leaned forward and placed a gentle kiss on her forehead. "What I'm saying is I love you. I want a life with you. I want to be there every day for you and Ellie. I want us to have more babies, and I want to be there to see them grow. I love you Nicole." "Oh my..." "I didn't plan on doing this today," he said as he shifted and dropped to one knee on the floor in front of her. "And I don't have your ring with me; it's back at David's." He winked. "But, Nicole Taylor, I want you to be my wife. I love you, and i want to spend every day of my life with you. Will you marry me?" "I knew everything I needed to know about you three years ago. Coming here and finding you again and seeing the way you have loved and cared for our daughter? That just confirmed it all. You are everything I've ever wanted, all I ever needed." "Me?" she mouthed, unable to speak. He nodded. "Always.

generation-skipping tax. As you move into multigenerational wealth, you can plan around the estate tax regime, sometimes avoiding as much as a 50 percent tax hit that might surface as you transfer wealth from one generation to the next. The marital deduction is

If you are a new investor and are therefore only looking at properties in your local area, your best strategy during a peak in the market would be patience. This doesn’t mean that you should just sit on your hands in a seller’s market. Use the downtime to further educate yourself on real estate investment so that when the market turns, you will be poised to make the most of it. If you are a more advanced investor, you might look at the housing markets in other states: There is more on this part of the game plan in Play #12.

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

Realty DS is a forward-thinking, hands-on real estate digital and social media agency in India, focused on growing brand identity and business by getting, and holding, attention in digital places. We specialize in establishing clear identities and digital marketing strategies for real estate projects and work hand-in-hand with our clients to identify and execute innovative master plans in the digital space.

If your company has any credible strategy for providing equity-based returns with muted volatility, you have not just a value proposition, but one of the most important value propositions of our time.... What's the concept in an operating real estate REIT? Operating real estate (as distinct from net leases or mortgages, which are other financing concepts) has the potential to produce equity-like long-term returns, but isan extremely powerful diversifier, in that real estate correlates positively with inflation while stocks and bonds correlate negatively with it. Inflation, with it attendant higher interest rates, chokes off new supply of real estate: new expensive to build, to expensive to finance at prevailing market rents. When new supply dwindles, normal growth absorbs the available space and puts upward pressure on rents, increasing cash flows to the owners... until rents get to a point where new construction pencils out again. (Meanwhile, in an inflation/interest rate flareup of any consequence, stocks and bonds are usually getting hit, and sometimes hit hard.) This, to me, is a trifecta of a conceptual value proposition: (a) the potential for the equity-like long-term returns investors need, (b) historically correlated positively with inflation, unlike all financial assets, and (c) just when you think this story can't get better, with 90% of available income paid out currently to income-starved investors.... What's the concept for variable life insurance? It's certainly the least expensive long-term form of life insurance, in that, as the investment portion grows, it extinguishes the insurance company's exposure. (As Ben Baldwin gnomically and brilliantly observes, 'All insurance is term insurance.') It may also be, in a given situation, the cheapest way of funding an estate tax liability, leaving the maximum legacy to one's heirs. And, of course, if the ownership is vested in an insurance trust, one may (under current law at this writing) be bequeathing wealth without income or estate taxation. As long as there is an estate tax - any estate tax - there will be a financial planning issue in the life of every affluent household/family: how do you want the heirs to pay it? And it seems likely that, conceptually, VUL will always be an answer.... Small cap equities? The concept is, clearly, higher returns with - and precisely because of - their higher volatility.

For more than two decades, the Matus Law Group has served the residents of New Jersey in matters of estate planning and real estate law. In addition to general estate planning, we specialize in estate planning for clients who have a family member with special needs. Whether you are looking for an Estate Planning Attorney in Ocean County , Estate Planning Attorney in Monmouth County , or an Estate Planning Attorney in New York City, we are here to help.

I remember having many talks with Olivia about potentially moving to a bigger house, or maybe “just upgrading the kitchen.” We chose to pass each time, instead buying another income-producing asset in accordance with our long-term plan.

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

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

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.

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.

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

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.

Large-cap U.S. Stock S&P 500 Index Midcap U.S. Stock S&P Midcap 400 Index Small-cap U.S. Value stock Russell 2000 Value Index Non-U.S. Developed stock MSCI EAFE Index Non-U.S. Emerging stock MSCI Emerging Markets Index Real Estate Dow Jones U.S. Select REIT Index Natural Resources Goldman Sachs Natural Resources Index Commodities Deutsche Bank Liquid Commodity Index U.S. Bonds Barclays Capital Aggregate Bond Index Inflation Protected Bonds Barclays Capital U.S. Treasury Inflation Note Index Non-U.S. Bonds Citibank WGBI Non-U.S. Dollar Index Cash 3-Month Treasury Bill

Matus Law Group is a New Jersey estate planning law firm helping individuals protect their future and the future of their loved ones. For over 20 years, our estate lawyers have dedicated their practice to helping individuals needing estate planning attorney, special needs trusts attorney, asset protection lawyer, real estate lawyer, probate law, wills lawyer, and guardianship attorney. We have three convenient locations to serve you: Monmouth County, and Ocean County, and other areas of New Jersey.

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.

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.

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

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Most new investors should plan on investing within a short driving distance to your home, rather than investing long distance (unless your location makes it impossible.) Doing this will help you to become an expert in that area, which will help you more easily analyze deals and opportunities.

Raskob decided to enter the world of New York real estate and give his pal a job as the head of the undertaking. Raskob convinced some of his wealthy friends, including Pierre S. du Pont, to join him in a syndicate, and they negotiated with Chatham Phenix for the Waldorf-Astoria site. They were the mysterious prospective buyers whose interest in the site had been floated. By all accounts, they got the property for a song—$16 or $17 million. On August 29, 1929, the same day the city announced that Second Avenue would be the site for the next subway line, former governor Al Smith lived up to a promise made months before to newspaper reporters to announce his business plans. From his suite in the Hotel Biltmore, surrounded by trappings of his former office, Smith announced the creation of a company that would build a thousand-foot-high eighty-

The death of industrial New York was planned by a privately organized group of bankers and real estate developers. They didn’t like having all those blue-collar, multiethnic people taking up space on valuable Manhattan land, so they appointed themselves the Regional Plan Association (RPA) and, starting in 1922, schemed to destroy working-class New York by zoning away industrial areas and claiming those territories for finance, insurance, and real estate (FIRE), upper-class fields ruled at the time by Anglo-Saxon Americans.

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.

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.

Francisco was an underdog city struggling to absorb an influx of aspiring alphas. It had long been a haven for hippies and queers, artists and activists, Burners and leather daddies, the disenfranchised and the weird. It also had a historically corrupt government, and a housing market built atop racist urban-renewal policies—real estate values had benefited as much from redlining as from discriminatory zoning practices and midcentury internment camps—but these narratives, along with the reality that an entire generation had been prematurely lost to AIDS, undercut its reputation as a mecca for the free and freakish, people on the fringe. The city, trapped in nostalgia for its own mythology, stuck in a hallucination of a halcyon past, had not quite caught up to the newfound momentum of tech’s dark triad: capital, power, and a bland, overcorrected, heterosexual masculinity. It was a strange place for young and moneyed futurists. In the absence of vibrant cultural institutions, the pleasure center of the industry might have just been exercise: people courted the sublime on trail runs and day hikes, glamped in Marin and rented chalets in Tahoe. They dressed for work as if embarking on an alpine expedition: high-performance down jackets and foul-weather shells, backpacks with decorative carabiners. They looked ready to gather kindling and build a lean-to, not make sales calls and open pull-requests from climate-controlled open-plan offices. They looked in costume to LARP their weekend selves.

Glacier Wealth Management’s vision has been to build full-service wealth management, estate planning, and insurance advising firm. We recognize clients’ goals and needs are specifically unique to their individual situations. We manage finances through a comprehensive approach integrating investment advice, tax, and cost analysis strategies. We bridge the gap between financial advisors, accountants, attorneys, and insurance agents when structuring personal and business finances.

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

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.

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.

And then at the bottom. penciled in" 8) Say THANK YOU to show appreciation I almost drop it again but recover and quickly hand it all to Will. "THANK YOU for picking up my folder and THANK YOU for bringing me lunch," he says. I don't answer. Because my mind is going a million miles an hour and I think I know what the list means. This list named Beatrix Lee. Will makes lists of things that are important to him. Things he needs to practice. Like the Leland estate and how to break in. He's smart in some ways, but not others. He's Planning Smart. And Observing Smart. But the way he acts sometimes, he isn't always People Smart. And I think this list is about him practicing to be Friend Smart. For me.

And then at the bottom. penciled in: 8) Say THANK YOU to show appreciation I almost drop it again but recover and quickly hand it all to Will. "THANK YOU for picking up my folder and THANK YOU for bringing me lunch," he says. I don't answer. Because my mind is going a million miles an hour and I think I know what the list means. This list named Beatrix Lee. Will makes lists of things that are important to him. Things he needs to practice. Like the Leland estate and how to break in. He's smart in some ways, but not others. He's Planning Smart. And Observing Smart. But the way he acts sometimes, he isn't always People Smart. And I think this list is about him practicing to be Friend Smart. For me.

Estate planning can help your family create generational wealth and prevent more division among key family members.

the newspapers of France featured monasteries being burned, and peasant laborers proceeding to divide up the land, plow and plant it. Great Spanish landlords packed up their families and shipped them to France; here they were, camped in the hotels and villas of Cannes, in a mood receptive to tea-parties, dinner-dances, and other forms of elegant entertainment. So it came about that Lanny Budd, without any effort on his part, was in a position to learn about the Spanish governing classes, what they were saying, doing, and planning. They told him they hadn’t the slightest idea of adopting permanent residence abroad or of submitting to the loss of their estates and other privileges. They were going to fight for what they had been brought up to consider their rights.

Un caso muy similar es el del estudiante Owen Stevens, que resultó suspendido por la Universidad Estatal de Nueva York a causa de un video que subió en sus redes sociales, en el que decía: «No importa lo que sientas por dentro, eso es irrelevante respecto de tu estatus biológico. No cambia la biología. La biología es muy clara. Y es binaria». Las autoridades universitarias entendieron que esta afirmación, científicamente válida, cuestiona sin embargo su capacidad para «mantener un ambiente de clase que proteja el bienestar mental y emocional de todos sus estudiantes». (¿Pero se puede adjudicar «bienestar mental y emocional» a quien se vea comprometido mental y emocionalmente al escuchar que sus sentimientos no modifican su biología?). Así, si Stevens deseaba continuar con sus estudios, debía someterse a una suerte de «plan de reeducación» y eliminar aquellos contenidos de sus redes sociales: o sea, autocensurarse.

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We plan to get shitfaced tonight so bye Noah.” Kim announces then follows after me, shuts the door and locks it after us. “Everything alright?” I question her as we go up the narrow stairway, lit by a low soft glowing light. It’s not creepy but it is strange. “Raea, what part of tonight has been alright?” She questions. “Uh.” I pretend to think about it, all the while doing my best to ignore the twisting in my chest and Denise’s evil laugh that still rings in my ears. “The part where we scored those free hotdogs during the game?” I question, throwing my head back as I take another swig of the Jack. “Those were pretty good hotdogs for a football game. But then again, nothing but the best for Westbrook Blues.” Nothing but the best indeed. The best estates. The best secrets. The best lies. The best betrayal. Westbrook wins them all.

Mr. Bliss wanted a country home in the city, so he purchased the old estate called ‘The Oaks’ which they both had seen together before she left. He loved the fact that it sat up on a one-hundredfoot-high hill which sloped down to Rock Creek, and was the highest point in Georgetown. It would require very extensive work on the mansion and grounds over many years. Mrs. Bliss returned after only two months in Paris to begin planning the enormous task that the estate grounds would require. She envisioned an estate like those in Italy with terraces dug into the hillside comprised of lovely areas resembling outdoor rooms stepping down from the most formal at the top to less formal as you wander down to the creek. She hired Beatrix Jones Farrand, a famous landscape gardener who worked on estates from Maine down the east coast to Washington.” They would eventually name the estate “Dumbarton Oaks” because of its history as part of the Rock of Dumbarton grant that Queen Anne of England made in 1702 to Scotsman Colonel Ninian Beall.

Boss Law is a Dallas estate planning attorney that provides for all your estate planning needs, including wills, and probate law. Don't leave your legacy and estate to chance, call us to protect your family, company, and property. Don't hesitate, call today.