the only thing unchanged is Change : life insurance

Thursday, January 05, 2017

life insurance

see gmail note for more details

make ur revocable living trust the beneficiay of ur life insurance policy
if u are married, assets left to a surviving spouse are exempt from the federal estate tax
if ur estate passe on to someone other than a spouse, ur heirs may owe federal estate
in 2007, this is levied on estates valued at more than 2 million, including the value of investments, ur home, the death benefit on ur life insurance policy --- add them all up, if they exceed 2 million, ur heirs may be stuck paying a tax on part of their inheitance
if ur estate will be above the estate-tax threshold, u need to working with an estate attorney to set up what is known as "irrevocable life insurance trust"
irrevocable life insurance trust

the trust will be the "owner" of the life insurance policy
ur beneficiaries will still receive every penny of the death benefit, but the value of the policy is exempt from the estate tax
this kind of trust is very different from a revocable living trust

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I no longer have patience by Meryl Streep

I no longer have patience for certain things, not because I’ve become arrogant, but simply because I reached a point in my life where I do not want to waste more time with what displeases me or hurts me. I have no patience for cynicism, excessive criticism and demands of any nature. I lost the will to please those who do not like me, to love those who do not love me and to smile at those who do not want to smile at me. I no longer spend a single minute on those who lie or want to manipulate. I decided not to coexist anymore with pretense, hypocrisy, dishonesty and cheap praise. I do not tolerate selective erudition nor academic arrogance. I do not adjust either to popular gossiping. I hate conflict and comparisons. I believe in a world of opposites and that’s why I avoid people with rigid and inflexible personalities. In friendship I dislike the lack of loyalty and betrayal. I do not get along with those who do not know how to give a compliment or a word of encouragement. Exaggerations bore me and I have difficulty accepting those who do not like animals. And on top of everything I have no patience for anyone who does not deserve my patience.

self esteem by Virginia Satir

I am Me. In all the world, there is no one else exactly like me. Everything that comes out of me is authentically mine, because I alone chose it -- I own everything about me: my body, my feelings, my mouth, my voice, all my actions, whether they be to others or myself. I own my fantasies, my dreams, my hopes, my fears. I own my triumphs and successes, all my failures and mistakes. Because I own all of me, I can become intimately acquainted with me. By so doing, I can love me and be friendly with all my parts. I know there are aspects about myself that puzzle me, and other aspects that I do not know -- but as long as I am friendly and loving to myself, I can courageously and hopefully look for solutions to the puzzles and ways to find out more about me. However I look and sound, whatever I say and do, and whatever I think and feel at a given moment in time is authentically me. If later some parts of how I looked, sounded, thought, and felt turn out to be unfitting, I can discard that which is unfitting, keep the rest, and invent something new for that which I discarded. I can see, hear, feel, think, say, and do. I have the tools to survive, to be close to others, to be productive, and to make sense and order out of the world of people and things outside of me. I own me, and therefore, I can engineer me. I am me, and I am Okay.

the only thing unchanged is Change

Thursday, January 05, 2017

life insurance

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tell no one

Travel and tell no one, live a true love story and tell no one, live happily and tell no one, people ruin beautiful things. ― Kahlil Gibran

tranquil

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Gestalt prayer by Fritz Perls

I no longer have patience by Meryl Streep

self esteem by Virginia Satir