Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust situation at 855-376-5291 or e-mail him at fniemann@hnlawfirm.com.
http://www.specialneedstrustnewjersey.com
Elder abuse and financial exploitation are serious problems in New Jersey. The typical victim is a vulnerable elderly person over 75 living with family or alone. Abusers are often adult children or other family providing care. There are four main categories of elder abuse - domestic abuse by family, institutional abuse in facilities, self-neglect, and financial exploitation. Financial exploitation is the most common type, where perpetrators deceive elders into signing over assets or drain their bank accounts. Early detection of abuse is important to prevent further harm and loss of assets for victims.
Special Needs CEU Presentation
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Toll-free at (855) 376-5291
or e-mail at fniemann@hnlawfirm.com.
Fredrick P. Niemann is an elder law attorney with nearly 30 years of experience. He is a member of several elder law organizations. His law firm, Hanlon Niemann PC, provides legal services related to elder law, estate planning, asset protection, and veterans benefits. The document discusses powers of attorney, including what they are, how they work, their formal requirements, how to limit an agent's authority, who should be selected as an agent, and the risks and benefits of powers of attorney.
The use of snt and strategies. By Fred Niemann.
Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
SNT in New Jersey
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
New Jersey SNT Estate Planning Attorney.
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
Lifecare planning by use of guardianships.websiteviking99
Fredrick P. Niemann is an elder law attorney with nearly 30 years of experience. He specializes in estate planning, asset protection, veterans benefits, and guardianships. A guardianship is a legal proceeding where a court determines if a person is mentally incapacitated and in need of someone to make decisions on their behalf. The court will appoint a guardian of the person and property if they are deemed incompetent. Guardianships provide important protections but there are also alternatives like durable powers of attorney and conservatorships that can accomplish similar goals with less court involvement.
Elder abuse and financial exploitation are serious problems in New Jersey. The typical victim is a vulnerable elderly person over 75 living with family or alone. Abusers are often adult children or other family providing care. There are four main categories of elder abuse - domestic abuse by family, institutional abuse in facilities, self-neglect, and financial exploitation. Financial exploitation is the most common type, where perpetrators deceive elders into signing over assets or drain their bank accounts. Early detection of abuse is important to prevent further harm and loss of assets for victims.
Special Needs CEU Presentation
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Toll-free at (855) 376-5291
or e-mail at fniemann@hnlawfirm.com.
Fredrick P. Niemann is an elder law attorney with nearly 30 years of experience. He is a member of several elder law organizations. His law firm, Hanlon Niemann PC, provides legal services related to elder law, estate planning, asset protection, and veterans benefits. The document discusses powers of attorney, including what they are, how they work, their formal requirements, how to limit an agent's authority, who should be selected as an agent, and the risks and benefits of powers of attorney.
The use of snt and strategies. By Fred Niemann.
Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
SNT in New Jersey
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
New Jersey SNT Estate Planning Attorney.
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
Lifecare planning by use of guardianships.websiteviking99
Fredrick P. Niemann is an elder law attorney with nearly 30 years of experience. He specializes in estate planning, asset protection, veterans benefits, and guardianships. A guardianship is a legal proceeding where a court determines if a person is mentally incapacitated and in need of someone to make decisions on their behalf. The court will appoint a guardian of the person and property if they are deemed incompetent. Guardianships provide important protections but there are also alternatives like durable powers of attorney and conservatorships that can accomplish similar goals with less court involvement.
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
5 Compelling Reasons to Invest in Cryptocurrency NowDaniel
In recent years, cryptocurrencies have emerged as more than just a niche fascination; they have become a transformative force in global finance and technology. Initially propelled by the enigmatic Bitcoin, cryptocurrencies have evolved into a diverse ecosystem of digital assets with the potential to reshape how we perceive and interact with money.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
5 Compelling Reasons to Invest in Cryptocurrency NowDaniel
In recent years, cryptocurrencies have emerged as more than just a niche fascination; they have become a transformative force in global finance and technology. Initially propelled by the enigmatic Bitcoin, cryptocurrencies have evolved into a diverse ecosystem of digital assets with the potential to reshape how we perceive and interact with money.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Beginners Guide to TikTok for Search - Rachel Pearson - We are Tilt __ Bright...
Administration of Special Needs Trusts in New Jersey
1. ADMINISTRATION OF
SPECIAL NEEDS TRUSTS
Presented by
Fredrick P. Niemann, Esq.
3499 Route 9 North, Suite 1F
Freehold, NJ 07728
Phone: (888) 800-7442
Elder Law, Asset & Estate Protection
Planning, Medicare, Medicaid and
Veteran’s Benefit Assistance Lawyers
www.specialneedstrustnj.com
R. 1:40 Approved Mediator, by the NJ Supreme
Court
Accredited Attorney of the US Veteran
Administration for Veteran Benefits
2. Trust Administration
A Special Needs Trust (SNT) must not
only be properly drafted and funded, but
must also be properly administered.
Improper distributions from a properly
drafted and funded SNT can result in the
loss of public benefits for the beneficiary
of the trust.
3. Self-Settled, Third Party
and Marital SNTs
The rules of administration apply to selfsettled, third party and marital SNTs.
4. Distributions May Be Income
Even if the principal of a SNT is not
considered a resource by public benefit
providers because the trust was
properly drafted, distributions from the
trust MAY be considered income to
the disabled beneficiary if not properly
made.
5. Basic Rules for
Trust Administration
These basic rules define the types of
distributions which may be made from a
SNT and the impact of each type of
distribution on the public benefits of the
trust beneficiary. It is critical that trustees
are aware of these rules.
6. Types of Trust Distribution
1. Direct Payments to the Beneficiary.
2. Payments to third party vendors for food,
clothing or shelter.
3. Payments to third party vendors for items
which are not food, clothing or shelter.
7. Direct Payments to the
Beneficiary are NOT Permitted
Cash paid directly from a SNT to a
disabled beneficiary of needs-based public
benefits is considered to be unearned
income and will affect eligibility or the
amount of any benefit received.
8. Example: Distributions from a
SNT Directly to an SSI
Beneficiary
Jill is the trustee of a special needs trust established by her
deceased mother, Paula, for the benefit of Paula’s disabled
daughter and Jill’s sister, Anne. Anne’s living expenses,
including rent, food, transportation and clothing, total
approximately $2,000 per month. Jill sends Anne a check
on the first of every month for $2,000 so Anne can pay her
expenses. Since Anne is receiving cash income in excess
of her monthly SSI benefits, she loses her SSI. Since
Anne received Medicaid based on her SSI payment, she
also loses Medicaid.
9. SSI - ISM + PMV
1. SSI is intended to pay for a beneficiary’s food,
clothing and shelter.
2. Disbursements from a SNT by a trustee to a
third party vendor to cover food, clothing or
shelter costs result in the receipt of in-kind support
and maintenance (ISM) by the beneficiary.
3. ISM is valued under the presumed maximum
value (PMV) rule under which the SSI monthly
benefit is reduced by one-third (1/3rd) of the
federal benefit amount, or the actual value
received, whichever is less.
10. Payments to Third Party Vendors
for Food, Clothing or Shelter
It is often appropriate to make distributions
from a SNT which constitute ISM even
though the beneficiary will have a reduction
in public benefits to the extent of the PMV
because the SSI benefit alone is inadequate
to provide an appropriate level of food,
clothing and shelter for the beneficiary.
11. ISM + Medicaid Eligibility
As long as SSI eligibility is maintained, even
at a reduced level, Medicaid eligibility is
maintained.
12. Example: Distributions from a SNT to
Third Party Vendors for Food, Clothing or
Shelter
Jill is the trustee of a testamentary special needs trust
established by Joan under her last will and testament
for her adult disabled daughter, Pamela. Pamela
receives SSI, Medicaid, food stamps and services
from DDD. Pamela lives in an apartment. Jill signed
the lease as trustee of the SNT and pays all rent
directly to the landlord. The rental payments
constitute ISM and reduce Pamela’s SSI by one-third
(1/3rd), the PMV.
13. Payments to Third Party Vendors for
Items Which Are Not Food, Clothing or
Shelter
Distributions of this kind do not result in
any reduction of benefits so they are the
most desirable types of distributions for a
trustee to make.
14. Example: Distributions from a SNT to
Third Party Vendors for Items Which are
Not Food, Clothing or Shelter
Jill, a disabled adult, receives SSI. Joan is the
trustee of a special needs trust established by Jill’s
parents for her benefit. Jill likes to read the New
York Times.
Joan arranges with the local
newspaper distributor to deliver the New York
Times to Jill on a daily basis, including Sundays,
and pays the bill directly to the newspaper
distributor. This is not considered income, and
will not affect Jill’s SSI benefits.
15. Types of Distributions Not Considered
Food, Clothing and Shelter
• Home improvements, repairs, and maintenance by
outside source
• Tools to perform home improvements or repairs
• Installation of burglar alarm or monitoring/ response
system home
• School tuition, books, and supplies
• Health and life insurance premiums
16. Types of Distributions Not Considered
Food, Clothing and Shelter (Cont’d)
• Entertainment, including books, magazines and
newspapers; trips, movies, plays, museums and sporting
events; audio/video equipment; hobby supplies, etc.
• Vacation travel, but not lodging, since that is shelter
• Purchase and maintenance of car, or bus passes
• Household goods and other items of personal property of
reasonable value
• Payment for cleaning supplies and paper products
17. Types of Distributions Not Considered
Food, Clothing and Shelter (Cont’d)
• Telephone expenses
• Dental care, physical therapy, massages, support
services, and other medical costs not covered by any
public benefit programs
• Home care services not covered by another program
• Durable medical equipment, such as wheelchairs
18. Examples of Trust Distributions
Which Will Reduce SSI Benefit
• Shelter-related expenses (mortgage payments, real
property taxes, heating and cooling bills, electricity,
water, sewage, garbage collection)
• Groceries or meals
• Items of clothing
• Cash for any purpose
19. Other Types of Distributions Which
May Effect Public Benefits Eligibility
Income and resources of parents are deemed
to minor children. Trust distributions to
parents may be considered income to them
and, therefore, may be deemed to minor
children. If the children are public benefit
recipients, distributions to parents may effect
the eligibility of children.
20. Other Rules
Governing Distributions
Distributions should be made by the trustee to
accomplish the intention of the grantor as set
forth in the trust instrument.
Distributions should be made to provide for
the beneficiary’s needs.
21. Credit Cards
In appropriate cases, it makes sense to consider
providing the trust beneficiary with a credit card.
Credit cards are loans and loans are not income.
Even if the credit card is used for food, clothing,
and shelter, it is still a loan. The credit card could
be in the name of the individual beneficiary or the
name of the trust.
22. SNT as Owner of Home
• Home is an “exempt” asset.
• A beneficiary of public benefits living in a home
which he owns or which is owned by a SNT is
NOT considered to be receiving ISM in the form of
rent-free shelter.
23. SNT as Owner of Home
Advantages
1. Many beneficiaries of SNTs do not have the
capacity to manage residential real estate.
2. The home is protected from creditors and from
the temptation to borrow against the home.
3. If beneficiary is married, trust ownership
protects the home in the event of a divorce.
24. SNT as Owner of Home
Disadvantages
1. If a self-settled SNT owns a home, the home is
likely to be lost upon the death of the beneficiary
due to the required pay back provision.
2. Family members or others who occupy the
home must pay their pro rata share of the
expenses.
25. SNT as Owner of Home
• If a self-settled SNT is involved, parents should
purchase the home. Will avoid pay back and no
pro rata contribution needed.
• If the SNT beneficiary is under age 55 and not
likely to live to age 55, home should be owned by
the beneficiary since NJ only seeks recovery of
Medicaid benefits paid after age 55 from the estate
of a deceased beneficiary.
26. SNT as Owner of a Home
If possible, home should be purchased in cash.
Payment of mortgage is ISM to the disabled
person, each monthly payment being valued at no
more than the PMV.
27. SNT as Owner of a Home
Payment of other household expenses by a SNT
may also constitute ISM. The following 10 items
are the only expenses considered in determining
whether the beneficiary has received ISM:
Food
Gas
Mortgage
Electricity
Real Estate Taxes
Water
Rent
Sewer
Heating Fuel
Garbage Removal
28. Additional Household Expenses
If the trust pays for improvements or renovations to
the home, e.g., renovations to the bathroom to
make it handicapped accessible or installation of a
wheelchair ramp or assistance devices, etc., the
individual does not receive income.
Disbursements from the trust for improvements
increase the value of the resource and, unlike
household operating expenses, do not provide ISM.
29. SNT as Owner of a Vehicle
1. Often a handicap-equipped van is required.
Who should own the van?
2. Title - held by trust or family member?
- liability for accidents
- “pay-back” provision
3. Insurance - critical to have adequate insurance
- trust may pay insurance costs
4. Document transportation needs of disabled
person for Medicaid.
30. SNT as Owner of a Vehicle
The difficulty with a SNT owning a van is that it
is often impossible to obtain insurance for the
trust. A simple solution - have the trust lease the
van and pay all expenses, including insurance,
gas, maintenance, etc.
31. SNTs and Section 8 Housing
The Special Needs Trust should never pay the
beneficiary’s rent in Section 8 Housing.
Distributions from the trust are considered income
to the tenant regardless of whether the distribution
is made directly to the beneficiary or to a third
party.
32. Recap of Distribution Rules
for Special Needs Trusts
• Do not pay cash to beneficiary
• Do not pay cash to family of beneficiary under
18 years of age
• Distribute to third party vendors
• Retain public benefits counsel
• Retain care manager
33. Recap of Distribution Rules
for Special Needs Trusts (Cont’d)
• Always pay:
--Income taxes
--Trustee fees
--Attorney fees
--Administrative costs
--All regularly recurring expenses
34. Recap of Distribution Rules
for Special Needs Trusts (Cont’d)
• Try to avoid payment of :
--Mortgage
--Rent
--Real estate taxes
--Homeowner’s insurance
--Utilities: Gas, Electric, Heat, Water, Sewer
--Garbage removal
--Food
--Clothing
35. First Steps for Trustees
Review the document with an attorney familiar with
Special Needs Trusts
Meet with the beneficiary and assess his or her needs
Identify the public benefits which the beneficiary is
receiving or for which he/she may be eligible
Gather all of the assets subject to the trust
Get tax identification number for the trust
Meet with any care managers, advisors, or fiduciaries
required by the trust agreement
Seek assistance and hire advisors
36. How to Identify the
Beneficiary’s Needs
1. Trustee should develop a wish list of goods and
services to be purchased for the beneficiary.
- List should be prepared by the beneficiary and
the beneficiary’s friends and family
2. Trustee should obtain information from the
beneficiary’s school records or life care plan.
3. Care manager performs an annual evaluation of
the beneficiary which will help identify his/her
needs.
37. Trustee Duties and Responsibilities
1. Trustees should hold periodic meetings to
receive input and make decisions concerning
distributions.
2.
Expectations should be established.
3. An agenda should be maintained and minutes
provided to participants.
38. Trustee Duties and Responsibilities
(Cont’d)
4. Self-Settled SNTs - the trustee must balance the
long and short-term needs of the beneficiary.
5. Third Party SNTs - trustee must consider the
interests of the remainder beneficiaries.
39. Choose a Management System and
Team to Carry Out Your Intent
Many SNTs fail because of ill-equipped Trustees.
A system of checks and balances works best in
trust administration.
Divide the duties into three categories:
• Financial
• Personal, including advocacy and care
management
• Accountability
40. Selection of Management
Team Members
Parent, sibling or friends
Attorney
Financial Institution
Nonprofit Organization
Co-Trustees
Social Worker or Care Manager
41. SNT Trustee:
Financial Manager
The Trustee should be a person with expertise
in money management and disability
programs. Institutional trustees may provide
investment acumen. Although a parent often
wants a sibling to act as trustee, there is often
an inherent conflict of interest. Since the
sibling is usually named as a remainder
beneficiary, he/she has an incentive to
accumulate rather than distribute trust assets.
42. Investments
Prudent Investor Rule - requires trustee to
invest and manage trust assets “as a prudent
investor would, by considering the purposes,
terms, distribution requirements and other
circumstances of the trust. N.J.S.A. 3B:2011.3
Generally, a growth and income
investment strategy is appropriate for a SNT.
43. SNT Trustee:
Public Benefits Expert
In addition to the usual challenges involved in
managing a trust (financial acumen, record
keeping, etc.), the trustee of a SNT has a
more difficult job. He/She must know the
rules of the applicable governmental
programs, and must make and keep track of
payments to third party vendors.
44. Trustee Duties: Surety Bond
If there is no corporate trustee, a trust document
may include provision requiring a surety bond for
the individual. Since the trustee has very broad
discretion as to how the trust income and principal
are to be used, a surety bond might be considered
as a way to safeguard trust assets. The bond
should be in an amount equal to the trust assets.
The amount the bond should be reviewed annually.
The premiums can be paid by the trustee from
trust income.
45. Trustee Duties: Accountings
The trust document may also provide for annual
accountings by the trustee. This enables the trust
beneficiary and non-trustee family members to
scrutinize the performance of the trustee. Public
benefit providers always require accountings from
trustees of self-settled SNTs.
46. Trustee Duties: Investments
The trustee has an obligation to invest the trust
assets in a manner designed to achieve the
objectives of the trust. As a general rule, the duties
of a trustee cannot be delegated. However, the
Prudent Investor Act authorizes the delegation of
the investment functions by trustee and relieves the
trustee of liability for investment performance
under certain circumstances.
47. Trustee Duties:
Investments (Cont’d)
An analysis must be made of the degree of risk
which the beneficiary can tolerate, as well as the
cash-flow needs of the beneficiary. Expenses, such
as insurance premiums for a home or a van,
medical expenses not covered by other sources and
necessities not covered by other sources, must be
considered in any analysis of the beneficiary’s
cash-flow needs. The trustee must educate the
beneficiary and his or her family as to what are
appropriate investment vehicles and expectations.
48. Trustee Duties: Recordkeeping
It is crucial that the trustee maintain accurate
records of assets, income and disbursements. SSA
reserves the right to review all disbursements made
to or on behalf of the beneficiary. The trustee’s
records must clearly reflect the payee of each
distribution and the purpose for which it is made.
If a challenge is made by SSA that a distribution
constitutes income to the beneficiary, the trustee
must have accurate records to refute the challenge.
49. Trustee Duties:
Reporting Requirements
SSA requires certain reporting for all SSI
recipients. The trustee must complete these reports
in a timely manner, so that the beneficiary’s
eligibility will continue. Existence of the SNT
must be reported to SSA and a copy provided, if
requested.
Any change in the beneficiary’s
address, employment, living arrangements or
income must be reported, including distributions
which exceed $5,000.
50. Trustee Duties: Appeals
If the beneficiary receives notice of an adverse
action, the decision must be appealed within ten
days in order to maintain benefits during the appeal
period. The trustee should request copies of all
communications from SSA to the beneficiary.
51. Trustee Duties: Budgeting
A trustee should establish a budget for the trust and
the beneficiary at the outset of the relationship, and
annually thereafter. The trustee will estimate the
annual income on a conservative basis. Any large
expenditures, such as for housing or transportation,
should be deducted prior to estimating income.
Taxes and trustee’s fees must then be deducted.
The remaining income should then be broken down
for use by the trustee in an appropriate manner on a
monthly basis.
52. Trustee Duties:
Tax Responsibilities
The trustee is responsible for preparing and filing
all federal and state tax returns for the trust. The
trustee should also prepare and file all federal and
state tax returns for the beneficiary in situations
where the beneficiary is unable to file those tax
returns him/herself.
53. Trustee Protector
• A Trust Protector oversees how the trust is
managed, without day-to-day involvement.
• The Trust Protector reviews accountings and
assessments from the care manager.
• The Trust Protector may hire and fire the trustee
or care manager without cause.
• A Trust Protector can be a professional, family
or friends.
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