The famous American scientist Benjamin Franklin once said In this world, nothing is certain but death and taxes. Indeed what he said is true and the inevitable will soon happen to us, we just dont have an inkling as to when and how it will happen. And what better way to prepare for such fact of life than to be covered by the life insurance suitable for those aged 50 and above. This insurance for over age 50 is otherwise known as guaranteed...more
Like anyone else, you want a life insurance policy that meets your needs and budget. But how do you find the right policy when there are so many to choose from and many of them seem so similar? The key is knowing how to compare policies and evaluate the results.Know what you want--and compare apples to applesYour first step should be to assess your life insurance needs. For instance, do you need $100,000 of coverage or $250,000? Would you be...more
Avoiding the Three Year Life Insurance Transfer Rule Under Internal Revenue Code Section 2035, if the insured gifts a life insurance policy to a third party (such as an irrevocable life insurance trust, or "ILIT") within three years of his or her death, then the policy proceeds will be included in the insured's estate for estate tax purposes. The only safe way to avoid this result is to have the ILIT apply for and own the policy from the outset (even if done with the insured's gifted funds). Even momentary ownership of the policy by the insured within three years of his or her death will require inclusion of the full policy proceeds in the insured's estate. New PoliciesWhat options are available for a new policy where the ILIT has not yet been created? Some states recognize oral trusts, which would later be memorialized. Thus, in those states if might be possible to have the oral trust as the initial owner and beneficiary of the policy. But, the risk with this approach is that the trust is not truly irrevocable so long as it is merely oral.Another possibility is for a child or spouse of the insured to purchase the policy and then gift it to the ILIT...more
Nightlife and bird watching is two interesting activities Many of the Tobago hotels and resort provide some kind of bar and restaurant to have fun at the night. Here you can also enjoy live performances of singers and local dancers. Bankers restaurant here provide local entertainment by local artists of the island. Small village of Buccoo also...more
What do you tend to think of when someone mentions French ingredients? Most likely you might well imagine succulent dishes served up with enough calories to last at least a week. Cooking a chicken? Don't forget to use a good half pound of butter. This is often one of the images people have of French gourmet ingredients, but the statistics...more
The most common ways are online dating and speed dating. These are the ways which will benefit every person. The main difference between both of these is that as in online dating you are not able to meet the person at the very first time and you have to wait. While, in Speed dating events every person gets a chance to meet in real.Speed dating London is very different from all the other techniques as far as everything is concerned with it. Feel yourself safe when you are going to participate in an event organized by speed dating London. We care for you in every aspect whatever you thought. In these events everyone is there to meet each and every person present there. So, there are more chances that you can mingle with anyone of them or the person you like the most. We, at Oceanic Dating provide the safest and interesting atmosphere you ever imagined. Let us create some magical time for you so that you are able to enjoy each and every moment of the time you spend at a speed dating event. You just register yourself and leave all the things upon us to handle. We are there for you to make each and every arrangement.Many of us think like what will happen in just 3-5 minutes, a short...more
Burnout is a state of emotional, mental, and physical exhaustion caused by excessive and prolonged stress. It occurs when you feel overwhelmed and unable to meet constant demands. As the stress continues, you begin to lose the interest or motivation...more
Celebrate with heightened joy and pleasure with all that you and your animal have shared in this life. It far outweighs this ending stage when they need you the most. It's just another part of the prized relationship you have had over the years...more
This is a very good idea to let others know about your spirit, compatibility and personal choices. The effort that goes into making your wedding invitation is admirable. You never feel it's a daunting task since you are doing it for yourself and...more
Christians who have a Growing in Christ ministry package can now pick any Bible study lesson from any of the available 89 lessons. Each lesson provides Bible study resources for use to grow in a more intimate and fruitful relationship in Christ, or...more
Retirement is for those people who have already achieved success in their careers, have been blessed with children and grandchildren, and have lived a full life. Some people reach their retirement years in good health while others may require regular...more
this condition is a life threatening complaint. It kills, not by a direct breakdown of your physical well being but by an attack on your mental health. while you've struggled with depression or have a friend or family member who does its...more