Articles by Shane Flait on ArticleSnatch.com

Choose a Successor Trustee for Your Living Trust Who Can Do What's Needed

Fri, 09 Sep 2011 18:46:08 -0400

When you set up your revocable living trust, it's you who is the grantor and, generally, the trustee of it. But when you die, you'll need a successor trustee to handle all the obligations that your death creates. Because there are quite a few obligations to carry out, choose a successor that can handle them. Like all trusts, your living trust has a trust document that rules on how the trustee must handle the trust's property for the trust beneficiaries according to your wishes. The trust - not you - is then owner of any property put into it. So you must re-title all that property in the trust's name. Drawing up the trust and changing titles are costs to you. You may also assign a person as a successor or co-trustee to handle the trust assets if you become incapacitated before your death. While you're alive, you - as the trustee - can act on all the trust assets just as if they were yours. In fact, they're considered yours by the IRS. Or at your incapacity, your co-trustee can act as you would wish. **End Summary** Topics: living trust]]> sucessor]]> trustee]]> trust duties]]> obligations]]> choose]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Estate tax for 2010 and the Modified Carryover Basis Option

Tue, 06 Sep 2011 20:35:08 -0400

The estate tax for those dying in 2010 gives you a one-time only choice of two ways to be taxed. You can either opt for a $5 million exemption and pay 35% estate tax on any excess value of your estate or you can opt for an unlimited estate tax exemption which essentially eliminates any estate tax. But the latter option comes with a carryover basis for inheritors - and that can make a big difference. A primary difference in these two estate taxation options is the tax-basis ascribed to property that someone inherits. The tax basis of property you inherit can have considerable taxing implications when you sell. All property - stocks, houses, whatever - has a tax basis which is the original cost of that property plus improvements (in the case of a house). When that property is sold, the seller must pay a capital gains tax on excess of the selling price (less selling expenses) over its tax basis. Selling it for less can bring a capital gains tax deductible loss. Property that is transferred generally carries its tax basis with it - i.e. its carryover basis. But exceptions occur as I specify below. **End Summary** Topics: estate tax]]> carryover]]> modified carryover]]> 2010]]> carryover basis]]> exemption]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

The Meaning and Avoidance of Probate

Fri, 02 Sep 2011 14:04:11 -0400

Probate is the legal process by which assets that are titled solely in your name are transferred to your beneficiaries and spouse according to your will and your state's law. If you have no will, then your state's law completely determines who gets what. The process can be time consuming and expensive which are reasons to avoid probate if possible. Here's the scoop... Your county's Probate Court handles the transferring of legal title of property that is solely in the name of the deceased to his or her beneficiaries. Outlined below is the process, the costs and additional considerations of time and exposure. The process involves: * Proving to the court that the decedent's Will is valid * Appointing a representative who has authority to act on behalf of the decedent * Identifying and inventorying the decedent's property and having it appraised * Paying debts and taxes that are associated with that property, and * Distributing the remaining property after obligations are paid to the heirs according to the decedent's Will or the State's laws absent a will. **End Summary** Topics: probate]]> probate process]]> bypass trust]]> avoid]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Fathers' Rights Advocates Undermine Awareness of the Tyranny Fathers Face in Family Court

Thu, 01 Sep 2011 16:03:04 -0400

Unfortunately, many who advocate for fathers against family court's anti-father rulings unintentionally obscure the real tyranny that fathers face. Their pleas and actions play into complex morass that family court and its benefactors use as a smokescreen to cover its tyranny. The family court is a far cry from its original version during our nation's first century. Then, societal values made divorce and out-of-wedlock children rare. Fathers and mothers were held responsible for contracted obligations but not denied their parental rights and benefits. Society recognized both the fundamental rights of individuals and the importance of preserving the family because of the natural protection and incentives it afforded to its members - and to freedom from government intrusion into the family. But the family court has, now, long been perverted into the family destruction business. It does so by denying fit fathers their parental rights to their own children - the right to the care, custody, and companionship of them and to directly support them - and a host of other rights including the constitutional due process required when constitutional rights are at stake in a court action. These rights are supposed to be constitutionally guaranteed to each of us. **End Summary** Topics: fathers rights]]> tyranny]]> coverup]]> family court]]> fathers]]> advocates]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm

Strategies for Retirees to Create Their Retirement Income and a Legacy

Thu, 18 Aug 2011 10:08:09 -0400

About-to-be retirees wonder how they can arrange a retirement income for themselves yet still maintain a legacy for their kids. Here are a few strategies to consider based on their pre-retirement income and savings. Use them to fashion your own approach. *Pre-retirement scenario and your retirement concern: You and your wife are about 65 and finishing your last year of working. Together you'll receive Social Security totalling about $20,000 per year and have saved about $500,000 in your IRAs. With your job you've been breaking even spending about $45,000 a year. And, you're a conservative investor. You're interested in how you can replace your job's earnings that cover the $45,000 of annual living expenses so you won't run out of money during retirement and still have something to leave for your children *Income strategies that preserve a legacy: Your Social Security will cover $20,000 of your pre-retirement $45,000 of annual expenses. And retiring will probably reduce some job-related and income tax expenses. So you might need to generate less investment income than the remaining $25,000 that Social Security doesn't cover. **End Summary** Topics: retiree]]> income strategy]]> IRA]]> annuity]]> legacy]]> retirement]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Strategies for a Spousal Beneficiary of an IRA to Take Her Distributions

Sat, 13 Aug 2011 18:47:03 -0400

If your spouse dies with you assigned as sole beneficiary of his IRA, then you have a few ways to take distributions from it. Depending on your age and earnings, you may find one way is the best option for you. Here's how it works.... According to IRS rules, you - as the designated beneficiary of his IRA when your spouse dies - can either: 1. Keep his name as owner of the account with your name added as beneficiary, or 2. Rollover his IRA account into your own name as the new owner. Each option has different consequences as to when you must begin your Minimum Required Distributions (MRDs). In the first instance, you'll designate the account as '"your name" as beneficiary of "your spouse's name"'. This is a 'beneficiary' account now. Choosing to remain a spousal beneficiary requires you to begin your MRDs the year after your deceased spouse would have turned 701/2. On the other hand, if you choose to be the owner of the account by naming under your name only, you can wait until the year after you turn 701/2 to begin your MRDs. **End Summary** Topics: IRA]]> spousal beneficiary]]> spousal distributions]]> MRD]]> strategy]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Use Life Insurance to Complement Your Pension Payout Plan

Tue, 09 Aug 2011 07:25:27 -0400

Ensuring the best possible income for you and your spouse during retirement until you both die is important. You can use life insurance to enhance your company pension payout plan choices. Here's a couple of ways to approach ensuring an income for both your lives. Choosing a company pension payout option that's best for you and your wife can be tricky. You need to explore a few approaches to see what suits you best. If you have a life insurance policy on yourself, you can use it to produce income in retirement. At retirement, your pension plan may present several options. You may be able to take it as a lump sum or as an annuity for life. The annuity is the pension payout. Assume you're interested in taking an annuity. Let's also assume you're married. I'll explore a couple of pension payout options you might consider and how you may integrate them with a life insurance approach. **End Summary** Topics: life insurance]]> pension plan]]> complement]]> option]]> annuity]]> retire]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Feminist 'PC' Media Covers-up Family Court's Tyranny against Fathers

Wed, 03 Aug 2011 22:24:06 -0400

The unconstitutional denials of fundamental rights that fit fathers face in family court are outrageous. Fathers, their children, and, of course, freedom are being destroyed daily. The feminist-instigated politically correct (PC) media doesn't want you to know about that. It's not part of 'the agenda'. So any such news is obscured, slanted or more generally ignored to enforce the PC view of how you should perceive what's happening. *What the PC media programs you to know - and not know: To many people, the idea that fathers face horrendous deprivations of their unalienable and constitutional rights under divorce and paternity suits doesn't even register. That's not surprising, because the press (including TV) simply won't let that idea get through to the public. What does register on the public's mind is that there are a lot of 'deadbeat' dads who refuse to pay child support for their children; that they don't care about their kids; and, that they should be tracked down, have the money taken out of their paychecks, or immediately thrown in jail where such 'low-lifes' belong. Also registering is that a lot of fathers are abusive to their children and wives; **End Summary** Topics: fathers rights]]> media cover-up]]> family court]]> injustice]]> deadbeat dad]]> feminist]]> PC]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm

What are the Tax Consequences to the Beneficiary of My Annuity

Wed, 03 Aug 2011 06:44:21 -0400

Retirees especially like annuities because annuities can assure them an income for life. But some retirees will die before beginning their annuity or receiving all their guaranteed annuity benefits. Their beneficiaries will then receive those benefits. This article explains how those beneficiaries are taxed on those benefits. Retirees often hold their annuities as deferred annuities as a back-up for those later retirement years when they'll begin annuity payments only when other retirement income falters or when savings become depleted. But if they die before beginning their annuity, the designated annuity beneficiary will have to pay tax on all or a portion of those benefits. The same is true for annuities that have begun their payouts but those payments are guaranteed for some term of years beyond which the annuitant's owner died. Annuities that are created within a government regulated qualified plan are called qualified annuities. All the owner's contributions to them are deductible, so all the annuities earnings and contributions will be taxed as ordinary income no matter who receives those annuity payouts. But most annuities are nonqualified. In this case the contributions owners made to them are not deductible (i.e. they are after tax contributions). **End Summary** Topics: annuity]]> beneficiary]]> tax]]> annuity taxation]]> annuity beneficiary]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

What You Should Know about Level Term Life Insurance

Mon, 01 Aug 2011 02:48:05 -0400

As you approach retirement, you may still have reasons to own life insurance at least for a while. You might consider 'level term' life insurance as an option. Here's what you should know. The older you get the more life insurance costs since your chance of dying increases - and more so the older you are. But if you're healthy and you qualify, level term life insurance may be the way to go. Be sure you understand what it's all about. Level term life insurance has premiums that are designed to remain the same for a period of 5, 10, 15, 20, 25, or even 30 years. This type of term life insurance is extremely popular because it is comparatively inexpensive while providing short to long-term coverage. The premium you pay each year for level term life insurance remains the same (i.e. level) over the period you choose. That's because payments are based on the total cost of each year's annual renewable term rates throughout the full term of your payments and adjusted for the time value money. **End Summary** Topics: life insurance]]> level term]]> renewal option]]> convert policy]]> permanent policy]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

'Father' Film Dropped by Amnesty International under Feminist Pressure

Mon, 01 Aug 2011 01:15:36 -0400

Feminists use pressure tactics in government and media to cover-up the injustice that fit fathers face in family courts here and around the world. Amnesty International, a human rights organization, dropped a film in its own sponsored competition when some finalists produced a film that exposed the denial of rights fathers faced under Sweden's family court - a film that angered feminists. Here's what the film said... Amnesty International denies any feminist pressure, but mysteriously dropped the film from its competition in the final stage. But the Uppsala women's shelter gloated over its political clout to snuff the film. The film, 'The Right to Be a Father', was created by four high school students to show how children are unjustly taken from their fathers by Sweden's feminist family courts. It was nominated for the competition. Amnesty posted the film on YouTube, and invited the creators to the film gala in Gothenburg. But Sara Sivesson, one of its creators said "our film was never shown at the festival, and the day after it also disappeared from Amnesty's YouTube channel". **End Summary** Topics: fathers rights]]> feminist]]> pressure]]> cover-up]]> Amnesty International]]> family court]]> Sweden]]> abuse]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm

IRA Catch-Up Savings and Tax-Free Income for Nonworking Spouses of 'Soon-to-be' Retirees

Sun, 31 Jul 2011 13:22:32 -0400

Usually, you need to have a working income from which you can make your IRA contributions. The exception to this rule is for a nonworking spouse. She can make contributions to either a deductible (traditional) IRA or a Roth IRA based on her working spouse's (husband's) income. This exception gives 'soon-to-be' retirees an opportunity to contribute more to their retirement savings and create nontaxable income during their retirement income. When trying to save as fast as possible for your retirement, a nonworking spouse can help out just by making an IRA contribution based on her working spouses' income if they file a joint return. Contributing to a traditional (i.e. deductible) IRA will lower current taxes while contributing to your IRA. If you contribute to a Roth IRA, you can pull it out during retirement tax free. You don't get the deduction now but it'll produce tax free income during your retirement. Let's check over the rules for making IRA contributions for 2011. The maximum contribution that each spouse can contribute in 2011 is $5,000 plus an additional $1,000 'catch-up' contribution if you're 50 or older. **End Summary** Topics: IRA]]> nonworking spouse]]> contribution]]> IRA contribution]]> 2011]]> Roth]]> traditional]]> retiree]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Ways to Handle the 5 Year Transfer Rule in your Medicaid Planning

Wed, 13 Jul 2011 01:39:24 -0400

'Medicaid Planning' refers to transferring your assets out of your control so you can qualify for Medicaid coverage of your long term care (LTC) costs as an impoverished person. This article orients you to this process and suggests ways to handle it. *Lose your legacy to LTC or do Medicaid Planning Most states require nursing-home residents to spend virtually all of their assets -- down to as little as $2,000 -- before they may qualify for Medicaid. Couples have a higher allowance if one spouse is healthy enough to remain at home. Then after nursing home residents run out of their own money, they qualify for Medicaid which has become the major source of financing for long-term care paying nearly half of all nursing-home bills. Such long-term care patients have lost all their assets which would have been a legacy to their kids. Anticipating this predicament is what prompted Medicaid Planning and its techniques. People with under $1 million in assets often resort to Medicaid planning techniques. **End Summary** Topics: Medicaid planning]]> 5 year rule]]> long term care]]> LTC]]> Medicaid]]> LTC costs]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement=> http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Media Ignores Father's Family Court Suicide to Coverup Government's Feminist Tyranny against Fathers

Sat, 09 Jul 2011 05:40:41 -0400

Divorced Father, Tom Ball, 58 years old, wrote a 15 page statement before committing suicide by setting himself on fire on the steps of a New Hampshire family court. It showed how present unconstitutional policies of Family Court influenced by the Violence Against Women Act destroys fathers and hurts children and some women too - and that men should stand against this virtual war on fathers. The PC media has ignored this news, for which Tom sacrificed his life, to cover up the court injustice that affects every father and family across this country. Tom Balls situation is not unique. The Fathers Rights movement is all too familiar with it. Perhaps 24,000 men a year commit suicide due to the unconstitutional denial of basic rights of fathers in family courts. Some 250,000, or more, men are falsely and unlawfully placed into debtor's prisons each day. Tom found himself subject to the 'greater good' excuse laws that the family court uses to disenfranchise a father of his children and his money. These are the best interest of the child excuse and the safety of women (and children) abuse excuses. **End Summary** Topics: fathers rights]]> unconstitutional]]> family court]]> self-immolation]]> suicide]]> Tom Ball]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm

Feminist Fraud Factions That Cover-Up the Tyranny against Fathers in Family Court

Fri, 01 Jul 2011 08:35:08 -0400

Fathers are being destroyed under the tyrannical feminist policies of family court. A massive state industry is based and funded on its anti-father court judgments. This article overviews the various factions in this industry and within society that help cover up this tyranny against fathers, family and freedom. -The tyranny: Family court processes and judgments, under divorce and paternity suits, overwhelmingly deny fit fathers their parental rights to care for and directly support their children. All constitutional due process is ignored while the state and the mother virtually kidnap the children from the father and then extort debilitating and destructive payments - euphemistically called child support - from him for up to 22 years and for whatever the mother wishes. This puts the father in a virtual slave position without constitutional rights and easily thrown in jail if he can't pay everything demanded by the court. Any accusation of abuse the mother makes against the father will guarantee this situation too. It's a criminalizing process that is also extortive and devoid of constitutional due process. **End Summary** Topics: fathers rights]]> denial]]> parental rights]]> constitutional rights]]> tyranny]]> feminist fraud]]> family court]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm

Exchange Traded Funds (ETFs) Offer Flexible Investment Approaches

Mon, 13 Jun 2011 08:44:05 -0400

Exchange Traded Funds (ETFs) offer low expense ratios and high trading flexibility. That makes them attractive alternatives to traditional mutual funds. And they can serve as part of both long-term and short-term investment strategy. Here's the scoop... ETFs trade intraday just like a stock - unlike mutual funds. You can buy them long or sell short; use them in hedge strategies, and buy them on margin. If you can think of a strategy that can be implemented with a stock or bond, that strategy can be applied with an ETF - but instead of trading the stock or bond issued by a single company, you're trading an entire market or market segment. That's what makes them flexible. *ETF Costs: Though ETF fees may be less than most mutual funds, some are higher. So check their fees before you buy. Use the NASD Mutual Fund Analyzer to compare the expenses of up to three exchange traded funds, mutual funds or share classes of the same mutual fund. Be careful not to offset any ETF fee advantages by accumulating commissions and other trading costs if you trade them frequently. Trading imposes commissions. **End Summary** Topics: ETF]]> exchange traded fund]]> investment]]> strategy]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Root Causes of How the Family Court Came to Tyrannize Fathers and Families

Mon, 06 Jun 2011 05:17:07 -0400

Family court overwhelmingly denies fit and decent fathers, under divorce and paternity suits, their right to parent (i.e. directly care for and support) their children. Doing so turns a father into a virtual slave to both the state and the mother and to pay outrageous extortion payments for the state's kidnapping of his children - or go to jail. These are all clear violations of his unalienable (fundamental or individual) rights as well as the constitutional protections that were put in place to secure them. But what are the root causes that created such a court tyranny against fathers? Three root causes for the court's tyranny of fathers are: 1. The judiciary's relentless deterioration of their obligation to maintain constitutional protections in court when fundamental rights are at stake. 2. Feminist's fraudulent propaganda and it politically correct mindset of intolerance 3. Feminists push for state-imposed 'greater good' laws that benefit women at the expense of the fundamental rights of fathers and men. - Deterioration of the Judiciary - usurping of justice from the people: Thomas Jefferson was wary of the judiciary and warned us that "[the] judiciary... **End Summary** Topics: fathers rights]]> denial of rights]]> family court]]> feminist]]> fraud]]> fundamental rights]]> root causes]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm

How Does Asset Protection Differ from Estate and Financial Planning

Sat, 04 Jun 2011 04:09:03 -0400

You may hear the mention of asset protection when you're discussing estate planning, but realize that asset protection has a distinctly different goal. Let's consider what each does and doesn't do to clear our conceptions of each. You set up asset protection strategies to protect your assets from the threat of possible or unknown legal suits you may face now and in the future. These suits can be instigated by creditors, a marriage partner, or strangers seeking access to your 'deep pocket' wealth. Estate planning, on the other hand, deals with arranging - in compliance with your wishes - how your assets will be used in the event of your illness or incapacity; and how they'll be transferred during your life and at your death to your chosen beneficiaries. General planning considerations include how to legally hold some of your assets to enhance efficiency in the transfer process and minimization of estate and gift taxes. Important, too, is how to hold those assets financially - such as under qualified plans, IRAs, and the like. **End Summary** Topics: asset protection]]> estate planning]]> financial planning]]> purpose]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Family Court Tyranny Against Fathers Versus The Cover-Up Propaganda

Thu, 02 Jun 2011 16:01:05 -0400

Fathers face a tyranny against them in family court because the court denies their unalienable rights - also known as fundamental, constitutional, and individual rights - which include their right to parent their children. This article contrasts this fact with the state's divorce and domestic violence industry's propaganda that covers up family court's unconstitutional use of its greater good excuses - safety of women's abuse excuse and the best interest of the child excuse. 1. Evidence of a tyranny against fathers: Constitutional protections that the courts and their processes are obliged to follow for all citizens, as litigants and defendants, were put in place to help secure those fundamental rights - the very reason for which the U.S. was formed. In fact, the lack of such constitutional protections in court is evidence that fundamental rights are being denied. Our founding fathers expected bad laws to occur occasionally. They instituted constitutional court process protections - including fully informed juries - which would help stem the tyranny such laws would produce. Included in bad laws are the 'greater good excuse' laws that all tyrannies impose. **End Summary** Topics: fathers rights]]> fundamental rights]]> parental rights]]> propaganda]]> fit fathers]]> denial of rights]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm

Avoid Mistakes When Buying or Maintaining a Life Insurance Policy

Tue, 10 May 2011 02:54:26 -0400

When approaching or entering retirement, you may put your estate and savings in order, but watch out you don't foolishly allocate your money. If you're considering life insurance to achieve some ends, avoid misjudging its benefit to you. Life insurance has its uses for retirees. A few examples would be providing: * for a surviving spouse, * for covering final expenses and taxes, * as a legacy for your children. In any case, you should consider carefully what you intend to solve by using life insurance and how you'll go about achieving those intentions. Remember, the reason for buying life insurance is to pay a benefit to a beneficiary when you die. The precise purpose of that payout varies with your situation. And life insurance is priced by the insurance companies based on your health and remaining life expectancy. The older you are when you buy it, the more it costs for the same payout. Some types of insurance may offer living benefits such as a savings vehicle. Nevertheless, be sure to choose the policy type that best addresses your needs. **End Summary** Topics: life insurance]]> estate planning]]> uses of life]]> mistakes]]> choose]]> life insurance uses]]> mistakes to avoid]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

What Bond Types Should You Buy for Income?

Sat, 07 May 2011 17:46:08 -0400

Investment income generally comes from debt (or loan) instruments - like bonds. Before deciding on what type of debt instrument you'll use to generate your invested retirement income, you should know their characteristics. Here's a quick overview. U.S. Treasuries are the safest bonds since the government guarantees their interest and principal. Their safety, though, produces the lowest yields, since higher returns only come with higher risk. The interest income you earn from Treasuries is exempt from state and local taxes, but not from federal tax. Treasury bills, have the shortest maturities - 13 weeks, 26 weeks, and one year. You buy them at a discount to their $10,000 face value and receive the full $10,000 at maturity. The difference reflects the interest you earn from them. So the greater the discount, the higher is the interest rate they pay. Treasury notes mature in two to 10 years with interest paid semi-annually at a fixed rate. The minimum investment is $1,000 or $5,000 depending on maturity. Treasury bonds have the longest maturities at 10 years. They also pay interest semi-annually and are sold in units of $1,000. **End Summary** Topics: bonds]]> bond types]]> treasury bonds]]> muncipal bonds]]> retirement income]]> choosing]]> treasury note]]> corporate bonds]]> risk and return]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Prepare for Mental Incapacity in Your Estate Planning

Sat, 07 May 2011 00:44:03 -0400

The longer we live, the more we increase our chance for suffering dementia or other mental incapacities in our latter years. You need to decide before hand to whom you'll give the power to handle your affairs when that mental affliction happens - or even before you become increasingly unsure of your own judgment. The person that you - the grantor - appoint can be your adult child or anyone else; but you should trust him or her implicitly. You give this power by forming a 'power of attorney' - by means of executing a document - whereby you appoint a person to act in your place. That person becomes the 'attorney-in-fact' for you and therefore will have a 'power of attorney' for you despite not being a lawyer. But, be sure you assign the 'correct' type of 'power of attorney' you want. Here are some options... A power of attorney may be a limited power of attorney which restricts the appointed person to act in or make decisions in only one specified area of your life and finances. **End Summary** Topics: power of attorney]]> limited power]]> durable power]]> springing power]]> incapacity]]> estate planning]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

How to Determine Which IRA You Should Contribute To

Thu, 05 May 2011 21:32:33 -0400

As you approach retirement, you may still be contributing to an IRA plan. Both your income and whether or not you (or your spouse) have a qualified plan associated with work will determine which of the three IRA types - the traditional (deductible) IRA, the non-deductible IRA, and the Roth IRA - you should contribute to. However, when circumstances occur that give you a choice of contributing to two or more IRAs, here's how to decide what to do. Aside from whatever qualified plan - including none - you have at work, the total amount you can contribute toward your 'at home' IRA plan in 2011 is $5,000. If you've reached 50 years of age, you can contribute and extra $1,000. That means that if you're over 50 and contributed $6000 to your traditional IRA, you can make no more contributions to either your non-deductible or Roth IRA - or vice versa - if you have them, too - because that's the limit you can contribute to any or all of your IRA plans. **End Summary** Topics: IRA]]> individual retirement account]]> traditional ira]]> choice]]> nondeductible ira]]> Roth IRA]]> best alternative]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

How Can Retirees Benefit from a Weakening Dollar

Thu, 05 May 2011 10:17:32 -0400

Since June 2010, the dollar has been weakening with respect to the euro. The euro is the currency of countries in the European Union and because of that it, carries a good deal of weight in global economics. In June 2010 alone, one euro started out costing $1.26 and has more or less risen to $1.46 as of April 2011. What does this mean to retirees and travelers - and how can they benefit? *Travelers Retirees do a lot of traveling. Traveling to Europe means paying for european hotels, rentals, dinners, entertainment, and of course gifts to bring home - each with its own price in euros. With the dollar weakening relative to the euro, you need to use more of your vacation dollars to buy the same amount of euros. And you need to buy euros to pay for all those European travel-related costs. That makes it more expensive for Americans to go to Europe. So, fewer Americans will choose to visit Europe. On the other hand, Europeans have the reverse situation if they travel to America. **End Summary** Topics: weak dollar]]> exchange rate]]> travel costs]]> financial]]> retirees]]> currency]]> euro]]> strong euro]]>]]> About the Author: ]]> Shane Flait helps you with your financial legal, tax, and retirement goals. Get his FREE report on Managing Your Retirement => http://www.easyretirementknowhow.com/FreeReportandSignUp.htm Read his ebook: 'Wise Way to Financial Independence' => http://www.easyretirementknowhow.com/WiseWayGate.htm

Feminist-Fostered Social Fallout of 'Best Interest of the Child' and 'Safety of Women' Excuses

Mon, 25 Apr 2011 09:43:03 -0400

Of course, these excuses are a sham. But they're part of the feminist propaganda slogans that are used to hijack the judiciary to produce feminist family outcomes and, then, to demand that government - ultimately taxpayers and fathers - fund their wishes. So what is evolving in society from feminist jurisprudence and its social engineering police state? Here's part of it. The 'greater good' excuses in the above title are perversions of law that have put these excuses above the unalienable rights of fathers and their constitutional protections which our country was formed to secure for all of us. Today's legal rationale that makes the greater good excuse trump our fundamental rights is called feminist jurisprudence. This is law for and by women that ignores the fundamental rights and protections of men against women's claims. These 'excuses' are used principally to foster certain overwhelming outcomes for family courts judgments. Family court judgments determine rights and benefits of custodial parents of children under either divorce or paternity actions and the obligations of noncustodial parents. The outcomes overwhelmingly divorce fathers from their children and extort endless payments from them for doing so - while assuring more single-mother headed families. **End Summary** Topics: fathers rights]]> best interest of child]]> safety of women]]> abuse]]> social pathology]]> feminist]]> single mother family]]>]]> About the Author: ]]> Shane Flait gives you the capability you need to fight for your rights. Get his FREE Downloads at http://www.FathersRightsLegalAid.com Take his ecourse: How to Handle Your Family Court Case at http://www.fathersrightslegalaid.com/HowToHandlePromo.htm