Retirement SavingsReply to this Comment
Free Information on Retirement Savings: Free Mailing to PA & NJ Senior Residents.
Senior's Resource for bowwowing and lending in a secure online Marketplace.Reply to this Comment
The Online Marketplace for P2P Lending & Borrowing
I am the Prosper Group Leader for "A Senior's Resource Group" and I am pleased to introduce the first online marketplace for people-to-people lending for Seniors. Join the community that connects trusted borrowers with fair lenders
LOOKING FOR INVESTMENT PARTNERSReply to this Comment
Hi am looking for investment partners interested in investing in East Africa..in the area of Movie theatres,Milling,among others.Please reply to:
MONTINI SEBULIBA
NGABONZIRA INVESTMENTS
PO BOX 2049 KAMPALA,UGANDA
build homesReply to this Comment
im looking for peopel who want get in the hot market of homes of buying land,and buildind homes on them in calgary alberta.
Developing An Estate PlanReply to this Comment
“Developing Your Estate Plan”
Submitted By: David A. Grimaldi, Morgan Stanley Financial Advisor
Branch Name: Madison Avenue Location
Phone Number: (866)651-8625
You’ve spent years spent growing your wealth and building your estate, so it is just good sense to plan to protect your assets and pass them on to your beneficiaries according to your wishes. When you’re ready to sit down and develop an estate plan, keep these tips in mind.
Write a will. If you do not have a will when you die, the law of your state may then determine what happens to your estate, your assets and any minor children. In addition, even if you have a Will, the estate administration process, usually governed by probate court, can be slow, sometimes expensive and open to the public.
Fund a living trust. Follow through if you set up a living trust. Until you transfer ownership of property or assets to it, the trust is not worth any more to you or your beneficiaries than the paper it’s printed on. Unfortunately, many revocable living trusts are set up but are never funded.
Re-title “JTWROS” property. Joint-Tenancy-With-Right of Survivorship titling of assets may reduce flexibility in estate planning. Although probate is avoided at the first joint owner’s death, estate-tax saving opportunities may be limited.
Use both spouses’ estate exemption amount. Leaving all property and assets to a spouse may avoid estate taxes at the death of the first spouse, but it wastes the estate tax credit of the “first-to-die.” A credit shelter trust can allow each spouse’s estate exemption amount to be utilized, thus sheltering more assets from estate tax liabilities.
Re-title ownership of life insurance policies. Most life insurance policies are owned by the insured, causing the policy’s face amount to be included in that person’s estate at his or her death. Policy owners may consider giving policies directly to the beneficiary or transferring the policies to an irrevocable life insurance trust. Either strategy could help reduce estate taxes.
Choose an appropriate executor. Naming an inexperienced family member as executor could complicate the demanding task of settling your estate. This is especially true because the time following a death is often emotionally difficult. You might want to look into the benefits of naming a trust company or other corporate fiduciary as your executor.
Organize your paperwork and files. If you do not provide your executors and beneficiaries with all the paperwork or files pertaining to your property, assets and wishes, improper distribution and management of your estate may result.
Update your estate plan. Updating your estate plan from time to time is important so that it is implemented exactly according to your wishes. You will want to update your estate plan when there are changes in your family (births, marriages, divorces, deaths, etc.), when the value of your estate significantly increases or decreases, when tax laws change, if you move to another state or if your business or career changes.
Be sure to consult your tax and legal advisors before making any tax-related or legally related decisions. And during the estate planning process, don’t forget to involve your financial advisor in investment-related issues.
For More Information
If you’d like to learn more about Developing an Estate Plan, please call (866)651-8625.
These materials are provided free of charge for general informational and educational purposes to our brokerage clients. These materials do not take into account your personal circumstances and we do not represent that this information is complete or applicable to your situation. We may change these materials at any time in the future without notice to you. We are not providing you with investment, tax or legal advice. You should consult your own tax, legal, investment or other advisors to determine whether the analyses in these materials apply to your specific circumstances. Particular legal, accounting and tax restrictions applicable to you, margin requirements and transaction costs may significantly affect the structures discussed, and we do not represent that results indicated will be achieved. We are not offering to buy or sell any financial instrument or inviting you to participate in any trading strategy.
Investments and services are offered through Morgan Stanley DW Inc., member SIPC.
Looking for sponsorship to build a Secondary School in Western UgandaReply to this Comment
Hi All,am looking for a sponsor whom we can work together build secondary school in a rural area in western Uganda. I have 50acres of land.Am looking for at least 30,000 US Dollars to erect a school which will be composed of
4 classrooms
4 laboratory rooms
1 office/ teachers room
1 Dinning room/assembly room which can also be used as a church on Sundays.
1 pit latrine.
The 30,000 dollrs required will be used as follows:
Grading/leveling of land.
Construction materials( Bricks,cement,sand,ironsheets,Iron bars), paying labour costs,trasportation of materials, lastly furniture which will include wooden doors, windows ,chairs and desks
Location of the School will me in kabarole district mumbagane village 5km on Kijura Road.
Omaha 1940-1951Reply to this Comment
Trying to locate people that lived in Omaha during the 40s early 50s. I mostly interested in the downtown area, South Omaha.
Omaha 1940s-1951Reply to this Comment
I am searching for people that lived in Omaha during the 40s and early 50s, mostly interested in the downtown area, South Omaha, and Bensen area.
moneyReply to this Comment
One of the surest ways of losing money as a senior citizen is to attempt forex trading, the young and agile will most likely beat you clean and square.
asking help from a sponcer to complete my studiesReply to this Comment
thank u for viewing my request.I am arun doing my three year degree in hotel management and now the last year i find difficulties to pay my fees.if u r having hand to help me as a friend it will be remembered till my last breath.sir if u r interested just make a mail to my id i will give the bonofidy certificate from my institution.my id is [arunrarichan@yahoo.co.in]
By: Posted: Feb 17 2013 08:37:32 AM