The document provides a quote from Ambrose Bierce stating that death is not the end, as there often remains litigation over the estate. This suggests that even after death, disputes can arise regarding the distribution of one's assets and estate.
A presentation explaining the importance of preparing an estate plan sooner rather than later. A brief explanation of the component parts of an estate plan is included.
From the Oklahoma law firm Cazes Roberts, PC:
A concise yet practical review of what Oklahoma estate planning is, why some would want to do Oklahoma Estate Planning and the tools used in Oklahoma Estate Planning.
A presentation explaining the importance of preparing an estate plan sooner rather than later. A brief explanation of the component parts of an estate plan is included.
From the Oklahoma law firm Cazes Roberts, PC:
A concise yet practical review of what Oklahoma estate planning is, why some would want to do Oklahoma Estate Planning and the tools used in Oklahoma Estate Planning.
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This presentation will help you understand the basics of the wealth management industry touching upon the following areas:
What is Wealth Management?
Why there is a need for Wealth Management?
How did Wealth Management Evolve?
Wealth Planning Process
Investment Avenues
Asset Allocation
What is Asset Management?
What is a Fund Management?
How to become a successful Wealth Manager?
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
I was searching for a productive and presentable financial plan report on the web and couldn't find a single. All the sample financial plan that I have seen are either number crunches or complicated. Clients don't like it. It sucks! SO, here's a simple and revolutionary financial plan report that does something simple.It helps clients in understanding its personal finance and increases engagement.The report is simple, meaningful and free of data crunches. I feel this will change the way people look at their personal finance.
Financial planning
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ... SEBI
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This presentation will help you understand the basics of the wealth management industry touching upon the following areas:
What is Wealth Management?
Why there is a need for Wealth Management?
How did Wealth Management Evolve?
Wealth Planning Process
Investment Avenues
Asset Allocation
What is Asset Management?
What is a Fund Management?
How to become a successful Wealth Manager?
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
I was searching for a productive and presentable financial plan report on the web and couldn't find a single. All the sample financial plan that I have seen are either number crunches or complicated. Clients don't like it. It sucks! SO, here's a simple and revolutionary financial plan report that does something simple.It helps clients in understanding its personal finance and increases engagement.The report is simple, meaningful and free of data crunches. I feel this will change the way people look at their personal finance.
Financial planning
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ... SEBI
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Estate Planning for Parents of Minor ChildrenIsis Parenting
For most new parents, life is about functioning on a few hours of sleep a night, squeezing in a daily shower, and finding clothes that actually fit. Big "to-do's" are easily put on the backburner, and as a result, many new parents fail to create (or revise) Wills, Trusts or appropriate Guardianship documents. In this presentation, Jaime Kim shows us the consequences of not having these documents in place, and how parents can provide for their minor children through proper estate planning. Jaime is an attorney with King & Navins, P.C., in Wellesley, MA, the mother of a four year old daughter and one year old son and an avid Isis fan.
Estate planning for parents of minor childrenIsis Parenting
For most new parents, life is about functioning on a few hours of sleep a night, squeezing in a daily shower, and finding clothes that actually fit. Big "to-do's" are easily put on the backburner, and as a result, many new parents fail to create (or revise) Wills, Trusts or appropriate Guardianship documents. In this presentation Jaime Kim discusses the consequences of not having these documents in place, and how parents can provide for their minor children through proper estate planning. Jaime is an attorney with King & Navins, P.C., in Wellesley, MA, the mother of a four year old daughter and one year old son and an avid Isis fan.
Passing Your Wealth On - Module 10 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases). You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Many people believe they only need a will once they accumulate excessive wealth. But is this true? Find out who really needs a will, trust, estate plan or healthcare directive.
Many people don't think they need a will until they accumulate excessive wealth. But is this true? Find out who should have a will, trust or estate plan and why. You may be surprised.
Many people believe they only need a will once they accumulate excessive wealth. Is this true? When do you need a will, trust, or healthcare directive?
"How to transfer your wealth to the next generation through estate planning" took place on April, 8th at the Tower Club, Vienna, VA. Our special guests were Mr. Milton Buffington and Mr. Saeid B. Amini, two well known experts that shared, for two hours, their experience on identifying legal issues and mechanisms that businesses and individuals can use to transfer their wealth and assets more efficiently, to the next generation.
This was a complimentary seminar hosted by Saeid B. Amini and Milton Buffington through the courtesy of Provanedge Financial and Richard B. Osmann, Ed.D.
This pamphlet which is based on Wisconsin law is issued to inform and not to advise. No person should ever apply or interpret any law without the aid of a trained expert who knows the facts, because the facts may change the application of the law.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)
Estate planning
1. DEATH IS NOT THE END, THERE
REMAINS THE LITIGATION
OVER THE ESTATE.
Ambrose Bierce
2. PRESENTED TO: PRESENTED BY:
DR. MANISH SITLANI ANJALI PATEL
MANASI KELKAR
NIKITA AURORA
3. Objective of Estate Planning
Explain the use of a will…
Describe estate taxes…
Explain the use of trusts, gifts, and
contributions…
Introduce other aspects of estate planning…
4. ESTATE PLANNING
The act of planning for how your
wealth will be allocated on or
before your death is Estate
Planning.
5. ESTATE
An Estate represents a deceased person’s
assets after all debts are paid.
At the time of a person’s death, the estate is
distributed according to that person’s wishes.
6. WILL
A legal request for how your estate should be
distributed upon your death.
It can also identify a preferred guardian for
any surviving children.
In will, you can specify the beneficiary.
7. WILL
To create a valid will, minimum age is 18 or 21
One must also be mentally competent and
should not be subject to undue influence or
threats from other.
8. BENEFICIARY
Beneficiaries are also regarded as Heirs.
The person specified in a will to receive a part
in a estate of a person is beneficiary.
10. TYPES OF WILLS
Simple Will: A will that specifies the entire
estate be distributed to a person’s spouse.
Traditional Marital Share Will: A will
suitable for larger estate that distributes half of
the estate to the spouse and other half to any
children or trust.
11. KEY COMPONENTS OF A WILL
Executor
Guardian
Signature
Letter of last instruction
12. KEY COMPONENTS OF A WILL
Executor/personal representative – The
person designated to execute the
instructions of the will regarding distribution
of assets.
Guardian – Person assigned for caring of
children and managing any estate left to the
children.
13. KEY COMPONENTS OF A WILL
Signature – Its needed to validate the will
and ensure that its not a fake will.
Letter of last instruction – A supplement to
a will that can describe your preferences
regarding funeral arrangements and indicate
where you have stored any key financial
documents.
14. SAMPLE WILL
1. Introduction of family
2. Payment of debt and taxes
3. Distribution of the Estate
4. Trust for Children
5. Executor
6. Guardian
7. Power of Executor
8. Power of Trustee
15. FOCUS ON ETHICS
If the court determines that there is a fraud
or unethical behavior or some form of undue
influence on the creator of the will, it may
prevent the person who used fraudulent or
unethical behavior from receiving any
benefits.
16. CHANGING YOUR WILL
The will may be changed if the person :
Move to a different state.
Get married or divorced after creating the
will.
The person wants to change it because of
any reason
17. CHANGING YOUR WILL
The new will must specify that previous will was
revoked to avoid multiple wills with conflicting
instructions.
For minor changes, a CODICIL can be added. This
document specifying changes in the will. These are
only minor revisions.
18. EXECUTING A WILL DURING PROBATE
To adhere to the instructions of the will, probates
are formed.
Probate is a legal process that declares a will valid
and ensures the orderly distribution of assets.
19. PROBATE PROCESS
To start the probate process, the executor files
forms in a local probate court, provides copy of the
will, provides a list of the assets and debts of the
deceased person, pays debts and sells any assets
that need to be liquidated.
Alternatively an attorney can be hired to complete
the process.
20. TRUSTS
Trust is a legal document in which one
person transfers assets to
another who manages them for
designated beneficiaries.
22. TYPES OF TRUSTS
Testament
ary Living
Standard
Family
Revocable
Irrevocable Living
Living
23. LIVING TRUSTS
Assigning the management of your assets to
a trustee while you are living.
Managing the assets includes making
decisions on how to invest or spend cash in
terms of need.
24. REVOCABLE LIVING TRUST
Dissolve or revoke the trust at any time you
being the legal owner.
The two reasons:
To replace the trustee.
To manage the trust yourself.
By using a revocable living trust probate
process is avoided but not the estate taxes.
25. IRREVOCABLE TRUST
Living trust that cant be changed.
Can provide income to the grantor but the
assets in the trust are no longer legally
yours.
Not subject to estate taxes upon your death
as assets are not the part of your estate.
26. STANDARD FAMILY TRUST
Also called Credit-Shelter trust.
Established for children in a family.
It is a type of testamentary trust.
27. TESTAMENTARY TRUST
Trust created by wills.
Not structured as a living trust but it can be
used to avoid estate taxes just as the
irrevocable trust.
28. GIFTS
GIFTS is a tax free distribution of funds from one
person to another.
Individuals receiving shares or jewelry, valuable
artifacts, valuable drawings, paintings or sculptures
or even property valued over Rs 50000 as gifts from
non relatives have to pay taxes.
29. CONTRIBUTIONS
CONTRIBUTION TO CHARITABLE
ORGANISATIONS:
Any money donated from an estate to a
charitable org is not subject to estate taxes.
Many individuals plan to leave donations for
charitable orgs regardless of the tax
implications.
30. OTHER ASPECTS OF ESTATE PLANNING
Living will – a legal document in which
individuals specify their preferences if they
become mentally or physically disabled.
EXAMPLE:-Not keeping an individual on a
life support when he falls ill to ensure that
his assets are used in the way that he or
she prefers.
31. OTHER ASPECTS OF ESTATE PLANNING
Power of attorney – a legal document
granting a person the power to make
specific decisions for you in the event you
are incapable.
EXAMPLE:- Naming a family member or a
close friend to make investment and
housing decisions if one falls ill.
32. OTHER ASPECTS OF ESTATE PLANNING
Durable POA for health care – a legal
document granting a person the power to
make specific health care decisions for you.
It works in the circumstances when the
situations is not covered by your living will.
Necessary decisions will be made by
someone who knows your preferences
33. MAINTAINING ESTATE PLAN DOCUMENTS
Estate planning information such as will, living will
and power of attorney.
Life insurance and other insurance policies.
Retirement account information.
Home ownership and mortgage information.
Ownership of other real estate.
Personal property such as cars and jewelry.
34. MAINTAINING ESTATE PLAN DOCUMENTS
Mortgage information
Credit card debt information
Ownership of businesses
Personal legal documents
Personal tax filing
Bank account information
Investment information
35. RISKS AND DRAWBACKS
An individual's goals or wishes on how his
assets are to be distributed may not be
fulfilled.
Huge costs of transfer and taxes.
Time consuming legal procedures.
36. RISKS AND DRAWBACKS
An individual's family may be in financial
distress if the process is not properly
planned.
There may be insufficient liquidity to meet
client's debts and taxes.
37. INHERITENCE LAWS
According to FEMA Regulation 2000, a non-
resident who is a citizen of India can only
transfer properties to:
1. A resident of India
2. A citizen but not a resident
3. A non-resident of Indian origin
38. What Inheritance Laws apply in India?
No uniform codified laws apply. Different
religious groups subscribe to different laws.
Hindus have their own codified law (Hindu Succession
Act) as well as a part uncodified.
Muslims have their own Islamic Law on Succession.
Parsees, Christians come under Indian Succession Act.
39. Taxation
No inheritance or gift tax is levied in India.
Recipient of assets is subject to wealth tax.
Net wealth tax is levied at 1% on a
taxpayer’s net assets if it exceeds INR3
million (US$60,599).
Income tax authorities are responsible for
assessing property value.
40. Financial
Planning tools
Retirement Liquidity
planning Management
Estate
Planning
Decisions
Investing Financing
Protecting your
assets and
income
41. A man may keep a woman, but not
his estate.
Samuel Richardson