Wills, Trusts & Estates Prof Blog: Generation X Estate Planning

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June 25, 2012

Generation X Estate Planning

It is important to remember that estate planning is not just for the elderly or those who are wealthy. Any person could benefit from taking the time to establish a plan should that person become incapacitated?or die prematurely, especially if that person has children. What most people probably do not understand is that estate planning does not have to be a complicated process. In fact, most members of generation X will probably only need a few basic documents, such as a will, trust, power of attorney, and a health care proxy.

A will is needed because it provides an overview of how a person wants his or her property distributed at death. Wills are also important because a person can nominate a person to become a guardian for his or her children within a will. A person could also create a revocable trust if a person does want to draft a will. A trust is a relationship that is established by a trust instrument, and it holds assets for a person's benefit while that person is alive. In addition, a trust can be established to distribute assets to a designated person after the settlor, the person who established the trust, or a beneficiary dies. Unlike a will, the property within the trust will not pass through the probate process. A health care proxy is important because it establishes what person the creator wants to make health care decisions should that person become unable to make those decisions for themselves. A power of attorney is important because it establishes the person that the creator of the instrument wants to make financial decision on his or her behalf should that person become incapacitated.

See Polizzotto & Polizzotto,?Estate Planning Basics for Generation X, 24-7 Press Release, June 23, 2012.

Special thanks to Jim Hillhouse (Professional Legal Marketing (PLM, Inc.)) for bringing this article to my attention.

June 25, 2012 in Estate Planning - Generally | Permalink

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US lies low on Egypt, acting behind the scenes. Is that approach wise?

Obama and administration officials have remained relatively quiet, at least in public, as turmoil revived in Egypt and a new president was elected. Tougher communication is likely going on behind the scenes, some analysts say.

By Howard LaFranchi,?Staff writer / June 25, 2012

Egypt?s election of an Islamist from the Muslim Brotherhood in its first free presidential elections is further evidence of the challenges that dramatic change in a crucial country like Egypt present to the United States.

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The election of Mohamed Morsi, a US-educated engineer, makes the hard place the Obama administration was already in as a result of Egypt?s revolution that much tighter. The stark dilemmas the US faces may explain why President Obama ? he of Cairo speech, 2009, fame ? and other administration officials have remained relatively quiet on Egypt during recent weeks.

Here are just two examples of the dilemmas the US faces. One, Mr. Morsi?s past offers some worrisome tendencies, including support for antireligious-minority and antiwomen policies, but how can the US express its concerns without sounding critical of Egyptians? democratically expressed preference? Two, how far ought the US go in criticizing the Egyptian military?s power grab prior to the announcement of Morsi?s triumph, when the military there may be the best last guarantor of critical US interests, including preservation of the Egypt-Israel peace accords?

The realities that such vexing dilemmas won't be resolved any time soon, and that any overly emphatic public expression of official US opinion on Egyptian events could easily backfire, explain the administration?s reticence on Egypt, some regional analysts say.

?What the US is engaged in is a complex private effort to protect regional security interests and maintain relations with the military and the intelligence apparatus ? even as the message is delivered and reinforced as events unfold of uncompromising support for democratic change,? says Brian Katulis, a Middle East specialist at the Center for American Progress in Washington. ?It?s a complicated dance,? he adds, ?that will go on for the rest of the year and beyond that.?

Mr. Obama called Morsi Sunday night to congratulate him and express US support for "Egypt's transition to democracy." According to a White House statement on the phone call, Morsi welcomed US support.

An effort to avoid the appearance of heavy-handed interference in Egypt?s internal affairs helps explain the careful, measured ? and noticeably infrequent ? public commentary from American officials. ?They [in the administration] have proceeded as they have at least in part out of a desire to make sure that no one thinks that we think this is about us,? says Mr. Katulis.

Secretary of State Hillary Rodham Clinton responded to the military?s steps earlier this month to amass for itself a long list of powers by warning that "there can be no going back on the democratic transition called for by the Egyptian people."?

Then last week she said it was ?imperative? that the military turn over power to ?the legitimate winner? of the presidential election, and she described as ?clearly worrying? military actions that threaten to ?subvert constitutional authority.?

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Cyprus becomes next eurozone state to seek bailout

NICOSIA, Cyprus (AP) ? Cyprus on Monday became the fifth eurozone country to request financial aid from its partners in the European currency union as it struggles to shore up its banks, which took heavy losses on Greek debt.

The island nation's government said in a terse statement that it required assistance following "negative spillover effects through its financial sector, due to its large exposure in the Greek economy."

Government spokesman Stefanos Stefanou wouldn't say how much Cyprus would ask from the European bailout fund, saying that the amount would be subject to negotiations in the coming days. The 27 leaders of the European Union will meet in Brussels on Thursday.

Analysts estimate the sum would likely be around ?5 billion ($6.2 billion) but could reach ?10 billion. That is a fraction of the bailouts given to the other countries ? Spain has asked for as much as ?100 billion for its banks.

Cyprus needs about ?1.8 billion ($2.26 billion) - or about 10 percent of its gross domestic product - by a June 30 deadline to recapitalize its second largest lender, Cyprus Popular Bank. The lender is the most heavily exposed of the country's banks to Greek government debt, which lost most of its value this year in a writedown.

Over the past weeks it became clear that the bank would not find the money from the private sector and would need to get it from the government, itself strapped for cash and unable to raise money in bond markets, where its borrowing rates are too high.

Stefanou said that despite its demand for European aid, the Cypriot government would continue negotiations for a possible loan from a country outside the EU, such as Russia or China.

"One doesn't preclude the other," Stefanou told the Associated Press. "Our efforts to secure a bilateral loan will continue."

Finance Minister Vassos Shiarly said last week that clinching a loan from another country would strengthen Cyprus' bargaining position with its eurozone partners in negotiating the terms that would come attached with a bailout loan.

"It could be a combination of sources of funding, on the understanding that the terms offered for these loans ? either from the (EU bailout fund) or a bilateral loan are satisfactory and to the state's benefit," Shiarly said.

The Cypriot government has been apprehensive about turning solely to the EU bailout fund because of the tough spending cuts and tax increases that it may be forced to enact in exchange for the money, as debt-crushed Greece has had to.

The Cypriot economy has thrived on foreign businesses setting up shop in the island due to its low, 10 percent corporate tax rate which the government is keen to protect.

Greece, Ireland and Portugal, which have needed European bailouts to finance their government debt, are on strict austerity plans. Spain, which has demanded money to rescue its banks, is still negotiating the terms of its aid deal.

It's not clear whether the Cyprus government will be able to fend off tough, EU-imposed austerity terms. A European Commission report last month said the island is "experiencing very serious macroeconomic imbalances which need to be urgently addressed," including slashing spending on a bloated public sector and pension reform.

Earlier Monday, ratings agency Fitch became the third agency to downgrade Cyprus' credit rating to junk status, estimating that the island will need another ?4 billion ($5 billion) to recapitalize its banking sector. It cited the banks' exposure to Greek debt as well as a rise in bad loans over the last year as the Cypriot economy has shrunk while unemployment has hit a record high of 10 percent.

Fitch predicts that Cyprus' government debt will shoot above 100 percent of GDP, more than 12 points more than its previous estimate. The agency said that a government target to bring the budget deficit below 3 percent of GDP through another round of spending cuts and tax increases will be missed by as much as a percentage point.

Cypriot banks could suffer further losses from a possible Greek eurozone exit since they also hold an estimated ?22 billion in Greek business and household loans.

Compounding the island's banking troubles are projections that its economy will shrink by 1 percent of GDP this year.

___

Derek Gatopoulos in Athens contributed to this report.

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USAID cuts funding for Elmo on Pakistan TV

The US cut $20 million for Pakistani version of Sesame Street. USAID alleges fraud against the show's producers, but the cutbacks come as the US is pulling back foreign aid.

By Scott Baldauf,?Staff writer / June 6, 2012

Pakistan?s version of Sesame Street ? complete with an Elmo who squeals in Urdu ? is facing a cutback in support from USAID, America?s Agency for International Development.

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Pakistan?s version of Sesame Street ? complete with an Elmo who squeals in Urdu ? is facing a cutback in support from USAID, America?s Agency for International Development.

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The cutbacks come amid allegations of fraud by the Lahore-based theater group that produces the children?s show, the Rafi Peer Theatre Workshop, but it also comes at a time when the US-Pakistani relationship is strained, and when the US government is cutting back dramatically on foreign aid worldwide.

USAID allocated $20 million for the production of Sim Sim Hamara (which means ?Our Street? in Urdu), and $6.7 million of that was used to produce the first season, which premiered in 2011. The remainder of the contract has been terminated, pending the results of an investigation into the fraud charges.

"We did launch an investigation into the allegations. We also sent the theater workshop a letter that terminates the project agreement," US State Department spokesman Mark Toner told a news briefing in Washington on June 5. "No one is questioning, obviously, the value and positive impact of this kind of programming for children. But this is about allegations of corruption."

Faizaan Peerzada, Rafi Peer?s chief operating officer, denied the fraud charges, saying in a statement, ?Rafi Peer is proud of its association with the project and the quality of children?s educational television programming created within Pakistan as a result.?

Whatever the ultimate result of the investigation, the shutdown of funds into children?s broadcasting in Pakistan come at an unfortunate time in the US-Pakistani relationship.

NATO airstrikes and US special forces raids on Pakistani territory have strained Pakistani patience with the US-led war on terror, and Pakistan has shut off NATO?s use of Pakistani roads and ports to resupply its troops in Afghanistan. The US, meanwhile, has grown increasingly frustrated with what it sees as signs of either Pakistani collusion with militant groups such as the Taliban, or incompetence in bringing them under control.

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Dangerous wildfires spread in Colorado

COLORADO SPRINGS, Colo. (AP) ? Flames forced thousands of Colorado residents from their homes over the weekend and disrupted vacation plans for countless visitors as smoke shrouded some of the state's top tourist destinations, including majestic Pike's Peak and tranquil Estes Park.

Colorado is having its worst wildfire season in a decade, with more than a half dozen forest fires burning across the state's parched terrain. Some hotels and campgrounds are emptying ahead of the busy Fourth of July holiday.

One of the newest fires, a blaze near Colorado Springs, grew to more than 5 square miles Sunday after erupting just a day earlier and prompting evacuation orders for 11,000 residents and an unknown number of tourists.

Officials had put the fire at 6 square miles but reduced the estimated Monday after more precise mapping.

Firefighters braced for hot temperatures and high winds on the fire lines.

On Sunday, the fire sent plumes of gray and white smoke over the area that obscured at times Pikes Peak, the most-summited high-elevation mountain in the nation and inspiration for the song "America The Beautiful."

Winds had started to push smoke away from Colorado Springs and evacuations orders were lifted for the 5,000 residents of nearby Manitou Springs, but area residents and tourists still watched nervously as haze wrapped around the peak.

"We're used to flooding and tornadoes, nothing like this," said Amanda Rice, who recently moved to the area from Rock Falls, Ill. Rice, her husband, four children and dog. They left a Manitou Springs hotel late Saturday.

Rice, scared when she saw flames, took her family to the evacuation center before she was told to go.

"It was just this God-awful orange glow. It was surreal. It honestly looked like hell was opening up," Rice said Sunday.

In Utah, hundreds of residents evacuated ahead of a 39-square-mile blaze that had destroyed at least some structures. Fire officials weren't sure how many were destroyed, or whether they were homes; sheriff's officials estimated late Sunday it could be as many as 30 structures.

Even while other large fires burn across the West, Colorado's blazes have demanded half the nation's firefighting fleet, according to Colorado Gov. John Hickenlooper. He said C-130 military transport planes from Peterson Air Force Base in Colorado Springs would begin assisting Monday.

"People recognize this is going to take a big push" to extinguish, Hickenlooper said Sunday from a Colorado Springs grocery store, where volunteers were passing out burritos, sandwiches and drinks to 350 firefighters working near Pikes Peak.

A statewide ban on open campfires and private fireworks has been in place for more than a week.

While no homes were reported damaged in the Colorado Springs-area fire, a forest fire near Rocky Mountain National Park destroyed structures near the mountain community of Estes Park. The Larimer County Sheriff's Office said Sunday that 22 homes and two outbuildings had been burned.

The Estes Park fire destroyed vacation cabins and closed the most commonly used entrance to the park. Clouds of smoke blew toward the 102-year-old Stanley Hotel that inspired Stephen King to write "The Shining."

Also over the weekend, residents of a subdivision near the northern Colorado city of Fort Collins learned that 57 more homes in their neighborhood had been lost to the High Park Fire, which already had claimed 191 homes, authorities said.

The High Park Fire is the second-largest wildfire and among the most expensive in Colorado's history. It has scorched more than 130 square miles and was just 45 percent contained on Sunday, The Denver Post reported.

With Colorado midway through its worst wildfire season in a decade, travelers have seen some of their favorite sites closed to the public, obscured by smoke and haze. Some travelers were awoken with evacuation orders.

Families planning whitewater rafting trips or visits to the stunning red-rock formations in Garden of the Gods park in Colorado Springs were instead spending their vacations passing out bottled water and setting up cots in evacuee centers.

They included Mark Stein, of Morristown, N.J., whose family arrived after midnight Sunday at their Manitou Springs hotel for a week of whitewater rafting and sightseeing.

"We were sleeping for 15 minutes when they started knocking on the door ? a day from hell," Stein said of the day of travel. With his wife and two sons, Stein spent the first night of his vacation setting up cots for more than 200 evacuees who slept at the school.

"I think it's the best vacation ever. This is what the real world is about. There's a lot of people that need help," Stein said.

Also Sunday, a brushfire that began near Elbert, about 50 miles southwest of Denver, quickly spread to about 60 acres, forcing the evacuation of about 100 residents.

Elsewhere, firefighters contended with windy and heat as they battled wildfires in Utah, New Mexico, Arizona and California.

? Also in Utah, officials report progress on a 9-square-mile wildfire around Saratoga Springs, about 40 miles south of Salt Lake City.

? In Montana, two wildfires were burning in the southwest part of the state, including the fast-moving Antelope Fire, which started Saturday afternoon about 10 miles north of Whitehall and had grown to 462 acres on Sunday. About 100 firefighters were battling that blaze.

? In Arizona, the U.S. Forest Service said late Sunday that containment against the Poco Fire, just outside of Young, is up to 65 percent and remains under 12,000 acres. Officials say many of the firefighting resources are being released to their home units or to other fire assignments.

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Dragon ball: Your story

When Goku Jr and Vegeta Jr are adults a group of pure blood saiyans arrive this is their story

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This topic is an Out Of Character part of the roleplay, ?Dragon ball: Your story?. Anything posted here will also show up there.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.

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Ah, How did I know this Roleplay was made by you without having to look at it, Holo?

"You write love stories of tragedy, with clich? happy endings. A true love story has no ending." ~ Skye Alexander James Sutton .A.K.A. DarknessUndying

"One simple word can free us of all pain and burden, and make our lives better. That special word is Love." ~ Skye Alexander James Sutton.

"I don't need any romantic connections, because I know when my Soulmate comes, he'll come in with a bang, and I'll be the happiest man alive." ~ Skye Alexander James Sutton

DarknessUndying

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Man once again a Dragon ball roleplay where you can't be a cannon character. Maybe I can come up with someone that looks like Pan but is one of the full blooded saiyans.

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Metformin Outperforms Common Class of Diabetes Drugs in Study

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