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3 Ways to Spot a Fake Driver’s License – wikiHow
Recent advances in technology have made it very easy for would-be scammers to create fake driver’s licenses to impersonate other people. The reason for this is that it can take a long time for a country or state to roll out new […]
Recent advances in technology have made it very easy for would-be scammers to create fake driver’s licenses to impersonate other people. The reason for this is that it can take a long time for a country or state to roll out new IDs with up-to-date security features and keep up with technology. However, no fake license will be foolproof. There will always be a way to tell that the ID is in fact a fake and not the genuine article. Here are 3 different tips you can use to help you spot a fake driver’s license:
* Look for imperfections. The most common way to spot a fake ID is to look for blemishes in the ID itself. Remember, any organization that issues driver’s licenses will have the process streamlined and will rarely, if ever, issue IDs that do not meet standards. Look for an image that is off-center or lettering on the license that is blurry or hard to read. No driver’s license will have red eyes in the image, and this is a common mistake many hobbyist ID makers make.
* Make sure the license is not expired. Often, people with fake IDs have borrowed a license from someone whose license has expired.
* Consult the security elements found in the guide. Any legitimate ID will have any number of security features. It’s always best to find the guide for the particular license you’re looking into and make sure all the security features are present. These features can come in the form of a hologram and black light, among many others.
Don’t forget to check the person who is passing the fake license. Often they will provide various physical clues including nervousness and restlessness that can point you to the fact that they have a fake driver’s license.
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Main trends in living room decoration
Your living room decor is often a reflection of your aesthetic sense. She makes a statement about her artistic abilities. So the question is what are the main trends in this space and how can you decorate in a way that is […]
Your living room decor is often a reflection of your aesthetic sense. She makes a statement about her artistic abilities. So the question is what are the main trends in this space and how can you decorate in a way that is attention-grabbing?
Well, first of all, you need to decide on a theme and plan the rest of the decor according to that. But there are some basic trends you should follow to achieve a cozy and comfortable feeling in your home.
The main trends
Bright Colors: Increasingly there is a shift to bright shades of muted colors. Cheerful and lively, these bright hues invariably bring unusual warmth to your living space. Whether it’s cheery green or lemon yellow, it’s hard to beat the brightness of these shades.
Natural Light – Once again, the focus is to bring as much natural heat into your home as possible. You may have the best of designer lighting, but nothing compares to the natural glow of sunlight. Therefore, open the windows and let in as much natural light as possible. Even moonlight on full moon nights can add a magic trick decoration.
Warm wood tones: The idea is to continue with the natural earthy tone in each element of your decoration. Therefore, bet on wooden furniture in natural and warm tones. The rich brown of the teak wood and the beautiful black of the fragrant rosewood are sure to add plenty of warmth. They also enhance the aesthetic essence in your home decoration.
Mix and Match: Let’s say you have Italian furniture, but if a Turkish rug matches the color scheme and overall theme, go ahead and add it. The idea is to mix and match accessories in a healthy and cohesive way. This will give your living room a distinct identity. It will also catch the eye of anyone who comes to your house. Plus, it also adds to the cozy factor.
Conclusion
Therefore, when you are thinking of redecorating your living room, it is best to go for a natural, cheerful and bright look. Keep accessories minimal. Don’t clutter up with too many artifacts or artificial lights. Everything you save should be tied together in terms of the theme you’re following. A cohesive design, a comfortable and elegant composition is the cardinal theme for your living room decoration.
How to choose a professional painting contractor
Choosing a quality painting contractor is just as important a decision as choosing paint, and usually more crucial. The highest quality acrylic or oil cannot make up for sloppy corners, poor surface preparation, drips, and overloading. There are so many painting companies […]
Choosing a quality painting contractor is just as important a decision as choosing paint, and usually more crucial. The highest quality acrylic or oil cannot make up for sloppy corners, poor surface preparation, drips, and overloading. There are so many painting companies with integrity of workmanship and business practices. Here’s how to find one: ask, browse, and check. Do one, both or all three based on the following criteria:
Ask your contractor to show you their license, or to provide their business and contractor license numbers. You can verify this information on many government websites or by calling a licensing office. A licensed contractor has met the standards of practice and business knowledge. An unlicensed painter can create insurance issues, which we’ll examine in a moment. A guy with a door-to-door truck may quote a low price, but he’ll have expensive problems.
Ask for references. He wants names, addresses, and phone numbers, and he wants to call them. Everyone loves to brag about finding “the best of this” or “the most amazing of that.” Being driven to find someone to do a great paint job is no different. Plus, they already know how hard it is to find a solid painter, and most are happy to tell you the result of their research.
There is another reference that is highly recommended: the Better Business Bureau. If they have received a lot of complaints about a particular contractor, they give that business a lower rating. “A+” is the best, and there is no “F”. “C” does NOT mean this is an average painter. It means there have been quite a number of complaints.
Examine the quality of work. You may not want to search for references and ask if you can come, although many people do. But at least you can stop by and take a look. If it’s interior painting, obviously someone will have to open their house to you. You want to check that the surfaces are well prepared: no obvious repairs, no sloppy issues, no sloppy edges, and so on. Does the paint cover evenly? Is there evidence that he used masks to keep the colors separate? Also, there are questions you can ask references for verification. Did the painters arrive on time? Did they move furniture, cover floors or outdoor plants, maintain a clean workplace, and clean up well before leaving? Were they nice? I believe that an unsympathetic person is often not happy with his job, and a bad attitude leads to bad workmanship.
Ask about the price and ask what factors went into establishing that particular price. You want separate numbers for labor, paint, and other materials, and you want to know if they charge you for cleaning, moving furniture, and travel time. To check if the price is in a normal range, ask references how much they paid and ask around the neighborhood to see how much it cost them.
You want all prices spelled out in a written contract. You want everything in writing, from start and end dates to daily arrival times. You want the estimated amount of paint to be indicated. If there is a primer, it must be quoted separately, including the labor time for the primer (it is usually faster). Ask the painting contractor to estimate how many coats you will need and explain what you are agreeing to if it is determined that you need another coat.
Do you offer a labor guarantee? How will it work? Will you completely refinish, touch up, and pay for replacement paint? You also want the guarantee in the contract.
Insurance: A professional painting contractor should carry both liability and workers’ compensation insurance. The former protects you if someone is injured in the workplace. If there is no coverage, you can be sued or your homeowners insurance may have to cover the costs. Workmen’s Comp insurance also protects you, as well as the crew. If they are hurt, you are not responsible for their lost wages.
Too much work for you? Ask yourself this: can I live with a bad paint job for 7 years? Most last that long.
How nonprofit organizations can use promotional products
What is the mission of your non-profit organization? Most nonprofit and nonprofit organizations exist to spread the word about an important issue or to raise money to fill a need. Promotional products can be an important part of your strategy in many […]
What is the mission of your non-profit organization? Most nonprofit and nonprofit organizations exist to spread the word about an important issue or to raise money to fill a need. Promotional products can be an important part of your strategy in many different ways. The purposes of promotional products typically fall into one of the following categories:
– increase name recognition
– advertise a product or service
– thank clients or collaborators
-spread information
– fundraising
– increase support for a cause
Here’s a look at some specific ways your nonprofit organization could use promotional products.
Increase name recognition
Getting your name and cause recognized is often high on your nonprofit agenda. This often involves participating in local events such as information fairs, street festivals, and conferences. The types of promotional products that many companies use as giveaways at trade shows work just as well to increase your agency’s name recognition. Printed travel mugs and sports bottles, car stickers, and other generic items are in widespread use and spreading your name.
Advertise a product or service
More specific articles can be even more effective when paired with a tagline that plays on the article itself. While your product or service may not be “for sale,” your organization still has a need to sell it to the public. The same methods used by non-profit retailers and businesses will attract “customers” for their services and products.
Thank you or appreciation gifts
One of the most effective ways to generate goodwill for your cause is to thank contributors and participants. Whether you’re sending small gifts to those who make contributions, giving larger gifts to those who volunteer in a substantial way, or offering a free “giveaway” to those who respond to a call to action, promotional items are an inexpensive way to say “thank you”. for helping”.
Some examples:
– give away a free appointment calendar to any woman who comes in for a free mammogram – and mark the month the next one should be scheduled
– Thank corporate sponsors by displaying their names along with the campaign slogan on all promotional giveaways used in a campaign.
– Send inexpensive promotional products as thank you gifts to all contributors. Give bigger gifts to those who give bigger contributions
Spread information
Use companies that specialize in promotional products to help you design and produce the flyers and brochures that you will distribute to spread the word. If your message is concise, you can put it on a variety of promotional products that you can hand out to get the word out. The latest technology offers even more ways to disseminate information. Put important presentations on a USB flash drive to make a real impression. These have been dramatically reduced in price, making them a great combination of promotional tool and giveaway for those potential major contributors.
fundraising
Promotional products are also great for fundraising campaigns. Whether you’re selling car stickers to raise a few hundred pounds or setting up a charity event with much bigger goals in mind, the goal is publicity. You can sell print products, offer promotional apparel for sale, or promise corporate sponsors high turnover on conference folders, event banners, and promotional conference bags at charity events. The possibilities are endless.
Making your marriage a network
Like a spider web that is well connected with each other, couples in marriage must work together and be involved in each other. Making it impossible for one to be complete without the other. Work together as friends: Do whatever you want […]
Like a spider web that is well connected with each other, couples in marriage must work together and be involved in each other. Making it impossible for one to be complete without the other.
Work together as friends: Do whatever you want to do together, work together as friends, no task is tedious if it is done together. Raise your children together, do household chores together, join hands to fulfill God’s will for your home, fight your fight together and win wars together.
Encourage team spirit: Let there be team spirit. In a team no individual is more important than the other. Everyone takes the glory from the team, and failure is faced together. Create a mental goal, allow love to reign, build togetherness, cover each other’s weaknesses, embrace each other’s uniqueness and make things happen for each other.
Base your marriage on team spirit and look forward to a working relationship. Learn how to create goals together, communicate appropriately about it, and strategize how to make it work and be successful. Don’t blame each other if you don’t get the desired result; rather, sit down together to map out new strategies. Always avoid blaming each other, but praise each other for little success.
Fraternity: Operate as brothers; let the same blood run through your vein. The brothers disagree, but they don’t fight each other, instead they talk and argue until they agree and find common ground.
Never fight to hurt, never see disagreement as a battle, when you disagree; it should be finding a better way to move the family forward. Never get into the “win at all costs” mentality. In fact, there is nothing to gain or lose from family disappointments.
Let there be brotherhood, love and affection. Let there be union and intimacy. Be co-builders, collaborators, co-heirs, be one, stay together, fight your battles together and win together. Increase in love, swim together in affection.
The relationship that exists between you and your spouse is stronger than brotherhood, as long as you join your brothers by blood; you are bound to your partner by covenant. Blood may be thicker than water, but the covenant is thicker than blood. Therefore, guide your marriage zealously.
Do you need to lose weight fast? Short or long term plan
One thing most people want is to lose weight quickly, and there’s nothing wrong with that if you can do it safely. Theoretically, it is possible to lose up to 20 pounds in a week with the right diet and exercise. Most […]
One thing most people want is to lose weight quickly, and there’s nothing wrong with that if you can do it safely. Theoretically, it is possible to lose up to 20 pounds in a week with the right diet and exercise. Most people can’t fully dedicate themselves to their weight loss program and 7 hour workouts each day, which is necessary for that type of plan.
A big change in diet and exercise can be very taxing on the system, and any program designed to lose weight quickly should be closely supervised by a doctor. A more realistic weight loss goal of 3 to 5 pounds per week will still require a great deal of weight training and sensible dieting, but is much more manageable for the person with a fulfilling career and personal life.
As I always stress, motivation is the support system you need to lose weight quickly, and if there is a special event in your life that warrants losing weight, it can be a temporary motivator. A wedding or a class reunion may be the trigger that starts your weight loss quest, but there are two important factors to consider when beginning your weight loss journey.
Time to do the task
If the event you want to look good for is months away, that gives you time to shed some fat and weight in a healthy way. If your time frame is only a week or two before an event, you can’t expect a drastic reduction. Attempting to do so will only result in loss of confidence and depression.
Adopt other forms of motivation
If you want to lose weight quickly for a one-time event, you’ll be back in your old clothes after the event is over. You should want to look good for certain occasions in your life, but that will not keep you motivated to maintain the perfect size and weight that you want to achieve and maintain.
If the only reason you want to look good is to impress a few people at a single event, that’s not the best motivational view of weight management. A much broader goal would be one where you want to look good every day, not just for an event. Your weight loss goal should be realistic and achievable, but significant enough to be rewarding when you achieve it.
The choice is yours. Either you develop a lifestyle to get healthier, feel better, and look lean and fit on a regular basis, or you can go the fad diet route and lose a few pounds or inches, only to immediately gain them back.
Keep in mind, too, that living a healthy lifestyle with a regular exercise program and proper diet offers many rewards; you’ll feel better, live longer, and look better; Not worth it?
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How does a home foreclosure work?
In today’s faltering economy, homeowners are facing foreclosures in increasing numbers. With mounting debt, rising unemployment rates, and a lack of access to credit, many families are falling behind on their bills and ultimately left with no choice but to default on […]
In today’s faltering economy, homeowners are facing foreclosures in increasing numbers. With mounting debt, rising unemployment rates, and a lack of access to credit, many families are falling behind on their bills and ultimately left with no choice but to default on their mortgages.
Since foreclosure is such a hot topic in the news, it’s important to understand what foreclosure means and how the process works.
Foreclosure is essentially the forced sale of a home. When a borrower defaults on their mortgage, the lender (or other lienholder) has the right, as specified in the mortgage contract, to legally repossess the property. The mortgage holder can then offer the property for sale. The proceeds of the sale must be used to satisfy the outstanding balance of the loan. Once the loan is paid off, the remaining lienholders are funded and the remaining principal (if any) is returned to the borrower.
The actual foreclosure procedure varies from state to state, but the same basic process applies in most cases.
First, the loan becomes delinquent, which means that the borrower has stopped making payments; the borrower enters into what is called default. The default period lasts approximately three months, during which time the lender attempts to contact the borrower to arrange payment.
Once the loan is in default, the lender files a Public Notice of Foreclosure announcing the intent to foreclose on the property. The borrower will then be notified, either by personal service or by publication in a newspaper, that the property is being foreclosed on.
At this point, a date will be set for a brief procedure. While the court date is pending, the borrower can continue to negotiate with the lender to establish a payment plan. During this period, the borrower will be able to remain in the home. If no agreement is reached, the foreclosure will usually be granted by the court.
Once the lender has been granted the foreclosure, the sheriff can evict the occupants and sell the property. Foreclosed properties are sold through normal real estate procedures or by public auction. Depending on the exact procedure for each state, the entire process can take anywhere from 2 months to a full year.
After the Notice of Foreclosure has been filed, the homeowner will receive many offers in the mail to refinance or purchase the home. Not all of these are legitimate, and it is advisable for the borrower to negotiate directly with the mortgage holder in any attempt to avoid foreclosure.
awaken the spirit of the nation
In 1945, Pandji’s father was still 7 years old. He had asked his mother (Pandji’s grandmother), “What is independence?” Initially, the grandmother responded confusedly to Pandji’s father. However, then, she said: “If all these (pointing to the surrounding environment) are ours.” The […]
In 1945, Pandji’s father was still 7 years old. He had asked his mother (Pandji’s grandmother), “What is independence?” Initially, the grandmother responded confusedly to Pandji’s father. However, then, she said: “If all these (pointing to the surrounding environment) are ours.”
The boy asked again: “Are they all ours? Does it mean that while we are traveling by train, we don’t have to pay?” Grandma replied: “Yes!” (p. 103). In fact, today there is still no free food in this country. Through this dialogue, the author politically criticizes the nation’s independence.
However, the rapper and composer of the song “Raise your hands for Indonesia” also appreciated the contributions of many heroes. Our founding fathers fought for the independence of the Homeland. During (1945-1948), his father’s house was in Yogyakarta. The fence was made of bamboo. Its height is similar to the waist of an adult. Approximately the same as the front door in the Unyil and Pak Raden film series.
One day when Pandji’s grandmother pushed the fence, it felt too hard. Then she found a boy who died from a stray bullet. His body lay rigid and lifeless. The boy’s age was similar to that of Pandji’s father at the time. He was still holding arem-arem (traditional food made from rice) in the palm of his hand (p. 104).
In the past, this book was in the form of an e-book. Its online version has been downloaded more than 14,955 times. The print book launch of Nasional.Is.Me was held at the Jakarta Book Festival (2011). Recently, it has been reprinted 4 times. Surprisingly, Nasional.Is.Me also carried out an altruistic mission. The Hard Rock Cafe (HRC) broadcaster is applying the concept of sharing. When you buy a book, your copy is automatically provided free of charge to Indonesian youth living in rural areas. This charitable program was supported by Bentang Pustaka and the Sampoerna Foundation.
Systematically, this book consisted of 3 parts: Know your Indonesia, Find your passion and Work for the future of your people. In total there are 10 chapters. From “A request for contemplation” to “From the opening prayer line to the closing one”. This 330-page book is a kind of manifesto. The summary of some answers to frequently asked questions (FAQ) from Pandji fans about his love for Indonesia.
An acute analysis of the presenter of this former Proactive Provocative was when he differentiated between nationalism in the United States and Indonesia. According to this coffee lover, the American country is made up of many immigrants who come together through sports. While the world has football (soccer), they created their own: American Football. Because? Because modern football came from England. The Native Americans also loved basketball very much. Through these 2 sports, all immigrants participated through the “joint product”. Thus, the unity of the nation is created.
So the most important question is: “In Indonesia, what kind of nationalism do we have?” According to Pandji, it is Pancasila, the 5 basic principles. That was in line with Anand Krishna’s opinion. Pancasila is the code of happiness of life (The Jakarta Post, July 13, 2012).
Also, as Bung Karno says, Pancasila was Philosophie Grondslag, the basic philosophy on which all races, religions, diversities rested in the embrace of the Motherland. It is the foundation on which the difference between “I” and “you” in “our” area is attached.
In this book, Pandji also researched the history of human civilization. Jakarta High School alumnus Gonzaga believed that Pancasila had made Indonesia not end up like India. The country that broke away from Pakistan after breaking free from England. The Islamic society (minority in India) thought that they would not be accommodated by the government. Also, they were afraid of civil war between Islam and Hinduism due to some political interests.
Someone knew then that it was Mahatma Gandhi who went on a hunger strike. The Mahatma would fast until the violence in India ceased. Finally, they ended the civil war all over India and Gandhi began to eat a mouthful of rice. However, the disintegration of India was inevitable.
Later, Pakistan founded its own Muslim community. After that, the Muslim and Hindu population migrated to the region from India and Pakistan. It was recorded as the greatest human tragedy of the 20th century. Many housemates were forced to separate from their own families due to religious differences and beliefs.
In this context, Pancasila made Indonesia relatively democratic. The 5 basic principles still unite us from Sabang to Merauke. Pandji has written the book based on his travel experience in the archipelago.
Pandji’s job allowed him to do that. He traveled from Padang, Belitung, Jakarta, Bandung, Semarang, Yogyakarta, Surabaya, Manado, Makassar, Bali, to Jayapura. The beauty of those regions left a deep mark on his heart.
She wrote of an unforgettable experience in Kupang: “Seeing the children there and hearing them sing the Kuan Kefa song, a local tradition about how to cure homesickness…then hearing the mothers sing together about unity called Lais Manekat while sitting under the shadow of a tree”. .I hardly believe it, it’s like in the movies, the sound of the wind is not blowing, but whistling…” (p.155).
Indeed, this book ignited the flame of optimism in the midst of thick clouds caused by corrupt politics. The young Pandji appealed to an altruistic vocation to transform this beloved republic. Affirming from ourselves in each circumference of our own depending on each profession of our own. We may not see that bright future. However, the next generation, our grandchildren will experience a better Indonesia. Happy reading!
Title: National.Is.Me
Author: Pandji
Publisher: Bentang Pustaka Yogyakarta
The Forth Published March 2012
Number of pages: xiv + 330
Price: Rp54,000
ISBN: 978-602-8811-53-8
Multiple Sclerosis – Ayurvedic Herbal Treatment
Multiple sclerosis (MS) is a disease in which the nerves of the central nervous system degenerate. This disease is believed to be an autoimmune disorder, resulting from the body’s immune dysfunction. Genetic factors are believed to play an important role in MS. […]
Multiple sclerosis (MS) is a disease in which the nerves of the central nervous system degenerate. This disease is believed to be an autoimmune disorder, resulting from the body’s immune dysfunction. Genetic factors are believed to play an important role in MS. There are different types of MS, including a relapsing-remitting type, a primary progressive type, and a secondary progressive type. Symptoms include visual disturbances, muscle spasms, numbness and weakness, loss of sensation, speech impediments, tremors, vertigo, cognitive defects, and depression. Heat seems to intensify symptoms in some patients, while pregnancy probably reduces the number of attacks.
Ayurvedic treatment of MS aims to treat the basic pathology of the disease, reduce the number of attacks, improve recovery from attacks, stop or slow the progression of the disease, and treat immune dysfunction.
Medicines used for this purpose are: Yograj-Guggulu, Trayodashang-Guggulu, Kaishor-Guggulu, Panch-Tikta-Ghrut-Guggulu, Vat-Gajankush-Ras, Maha-Vat-Vidhwans-Ras, Agnitundi-Ras, Vish-Tinduk- Vati, Yashtimadhuk (Glycerrhiza glabra), Ashwagandha (Withania somnifera), and Shatavari (Asparagus racemosus). Yashtimadhuk and Kuchla (Strychnos nuxvomica) form the main line of treatment for this disease.
Medicines that act on the ‘Majja’ Dhatu (tissue) of the body are also very effective in treating this condition and include medicines like Guduchi (Tinospora cordifolia), Amalaki (Emblica officinalis) and Musta (Cyperus rotundus).
In addition, localized therapy in which medicated oils are used to massage the body, followed by medicated steam enhancement, can also be used. Medicines used for these procedures are: Mahanarayan oil, Mahamash oil, Mahasaindhav oil, Dashmool qadha (decoction) and Nirgundi qadha.
Specific problems or complications must be treated separately, in addition to the use of the medications mentioned above. Visual disturbances can be treated with medications like Triphala-Ghrut, Tulsi (Ocimum sanctum), Shatavari, and Saptamrut-Loh.
Muscle weakness can be treated with medications like Ashwagandha, Kuchla, Tapyadi-Loh, and Trayodashang-Guggulu.
Cognitive defects can be treated with medications such as Brahmi (Bacopa monnieri), Mandukparni (Centella asiatica), Shankhpushpi (Convolvulus pluricaulis), Vacha (Acorus calamus), and Ashwagandha.
Depression can be treated with Vacha, Laxmi-Vilas-Ras and Shrung-Bhasma.
Psychotic symptoms can be treated with Jatamansi (Nardostachys jatamansi) and Sarpagandha (Rauwolfia serpentina).
Medications like Yashtimadhuk, Vish-Tinduk-Vati, Bruhat-Vat-Chintamani, Tapyadi-Loh, Abhrak-Bhasma, Trivang-Bhasma and Suvarna-Bhasma can be given long term to achieve maximum recovery from this disease and prevent recurrence . . All these patients should be under the regular care and supervision of a neurologist.
Selection of a beneficiary: who, what, when
Now that you have decided which estate planning instrument (will or trust) you will use and have selected your trustee or personal representative, to whom do you want to leave your property? What property do you want to leave to each beneficiary? […]
Now that you have decided which estate planning instrument (will or trust) you will use and have selected your trustee or personal representative, to whom do you want to leave your property? What property do you want to leave to each beneficiary? When must each beneficiary receive his property? The answers to these questions may seem easy: Leave everything to your children equally and let them figure out the details. However, these questions require further analysis to ensure that your property passes to whom you want it to pass, when you want it to pass, and on the terms you want it to pass to each beneficiary.
- Who gets your property?
Initially, this question is easy to answer: my children will receive all my assets. That is easy. But what if one of your children predeceases you? Does that boy have children? What about the spouse of that child? Do you want the spouse to receive something?
What happens if after executing your will or trust, one of your children becomes disabled and is receiving government benefits? Do you want that child to receive his share of her estate directly, thus disqualifying him for government benefits?
Do you want to write one of your children out of your will or trust? Would it be more advisable to leave something to that child but restrict access to what you leave?
A will or trust can be written to include answers to these questions, but the answers require the client to provide thoughtful information.
Instead of asking who would like to receive your property, I will sometimes ask you who you do not want to receive your property. If you don’t want your son-in-law to put his slippery fingers into her inheritance to waste her gambling habits, you’ll probably need to put her daughter’s portion of your estate into some kind of sub-trust for her benefit and that of her grandchildren.
- What property does each beneficiary receive?
A common probate dispute involves which beneficiary gets what. This isn’t always just a fight over worthless trinkets (although it’s very common), it can also be a fight over numerous parcels of real estate. A recent dispute we handled involved a piece of property consisting of the decedent’s home and a couple of commercial real estate parcels. The will provided that all children receive equal shares of the inheritance.
All the children did not get along and the idea of owning property together seemed impossible. A fight broke out over the distribution of the inheritance. A girl did not want to do business with her brothers or to be co-owners of numerous properties.
The decedent had a simple will in a situation where she needed something more complex that would identify the specific property each child should have received or distribute the property to a trust that would be managed by a professional trustee. Specific language about who would receive what specific property, or what would happen to all of the property if the children did not agree to the distribution, would have possibly saved everyone substantial attorney fees.
- When does the beneficiary receive the property?
The timing of a distribution can be extremely important. Do you want a beneficiary to receive the beneficiary’s share of his estate immediately after her death, or years later if he does? Many beneficiaries benefit from leaving their estate in a trust for their entire lives.
If a beneficiary is disabled, you will most likely want to leave that beneficiary’s portion of your estate in a supplemental needs trust (sometimes called a special needs trust) in which the beneficiary never receives an inheritance. Rather it is held in trust for life.
If you have younger children, chances are you don’t want them to receive their share of your estate until they reach a certain age, such as 25, 30, 35, or 40 years old. However, without proper planning, Oregon says that once a child turns 18, they can receive their share of their estate once they turn 18 (except in limited circumstances). Most people do not like this outcome and include a trust for minor children in their will or trust to prevent this situation from occurring. Using a children’s trust, a trustee (whom you designate in your will or trust) will manage the trust assets for the benefit of the child and can use the trust assets to pay for health care, education, housing, etc. of his son. When the son reaches the indicated age, she will receive her remaining assets.
In addition, you may want to leave something to a beneficiary who has spending, gambling, or excessive drinking problems, but you don’t want that individual beneficiary to have control over the property you leave. You can use a trust established for the life of the beneficiary in which the trustee of the trust has absolute discretion over the distribution of the trust assets. Using a trust saves you from having to disinherit a troublesome child, but it also allows you some level of control over how you use your property after your death.
You may also have a child who is a doctor, lawyer, or has another profession where potential malpractice or negligence lawsuits could wipe out that child’s estate. By leaving that child’s portion of your estate in a trust for the child and her family’s benefit (with an independent trustee), you may be able to prevent your creditors from receiving your inheritance.
- Conclusion
Just like making the decision to use a will or trust and who to name as your trustee or personal representative, choosing your beneficiaries should be a thoughtful response. There is no single answer and what works for one client may not work for another as families are unique.
© 02/20/2014 Kevin J. Tillson of Hunt & Associates, PC All rights reserved.