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...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 become alive on every Sunday night and if plan your holidays in Tobago you can really have great fun at...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 actually reveal something rather interesting.For all the reputation they have, French cooks come up with some astonishingly varied, and healthy dishes. We're not talking about healthy here being simply the portion size. If a dish has around 300 calories per serving, cutting the portion sizes in half and adding a spring of basil on top isn't likely to help if you're looking to lose weight. But the truth is that when you look at the national statistics it does beg a question if people are still imagining that French ingredients must necessarily be high fat, high calorie and very rich.For example, in the UK we enjoy being in 3rd position on the global league table for obesity. I'm not sure if 'enjoy' is the right word, but the fact is that 23% of all people in the United Kingdom are officially obese. Now if you compare that to France you'll notice...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...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 that led you to take on a certain role in the first place.Burnout reduces your productivity and saps...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 spent together. Be with them as much as you can just like you would any family member when they are sick or dying. Gently touch and pet them. Talk with them daily about your life shared. Your pet will be comforted by your voice and your presence.You may need to treat them like a King or Queen. That is perfectly okay to do this for them. Feed them what they like and do it with a smile on your face. It is a positive way to help them be comfortable. Comfort your pet the best you can and make him/her as comfortable as possible with blankets and pillows, being gentle and mindful.Some of the signs:They may sleep more than normal, stop eating, can't get up to go relieve themselves, stop drinking, pant more often, get very quiet and still, or howl/moan. Senior animals can develop dementia. Have they started to suffer? Is their quality of life tip the scales? Often animals are quiet when they are in pain.It may be time for you to make a decision....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 your...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 noteworthy...more
Summer clothes including beach apparel such as swimwear and flip-flops. Check. Suntan lotion, hat and shades. Check. Smartly conservative clothes for working in. Check. Hang on, did you say working clothes? Well, you can certainly have the best of...more
Do You Know Your Family's Needs When It Come To Life? Our family need life insurance but what kind?George and Betty Smith are a young couple living on a farm in the south, they've been married for five happy years, they decided...more