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1. Prepare Your Estate Plan -- Introduction
How will your assets be distributed upon your death? Have you prepared for the distribution of your estate for the loved ones you will leave behind? Perhaps you have made plans to distribute your estate, and they need to be reviewed and updated. In any case, you can proceed through this lesson and learn more.
This lesson has unique sections that lead you through the learning process and can be viewed sequentially or in a random order. Select a unit to view from the "Lesson Contents" list on the right. You can also progress through the lesson by clicking the "Next" or "Previous" links at the bottom of each page.
Use the case studies in this lesson to apply what you have learned. For definitions of terms used in this lesson, go to the Financial Security Glossary.
IMPORTANT NOTE: The information on this Website is not legal advice. The information in this lesson will provide general information and help to make you a better informed consumer of legal services. It is designed to help families become better acquainted with some of the concepts and tools used in estate planning and to create an awareness of the need for such planning. Laws vary dramatically from state to state, and future changes in laws cannot be predicted. The statements within this lesson, facts sheets, and learning activities are based on general concepts as of the last revised date of the Web publication. If you have questions, you should seek the assistance of an attorney in your state, who can give you advice based on local laws and your facts and circumstances.
1.a. Lesson Objectives
In this lesson you will:
Have you put off making plans to distribute your property when you die?
There are many financial and emotional reasons for having an estate plan. Just think about the suffering and expense family and loved ones could be spared if plans are made in advance. Now is the time to get started! If you already have a plan, this lesson will help you review or modify it, if necessary.
2. Planning for Your Estate
Estate planning is arranging for the orderly transfer of your property and resources to other people during life and after death. Your estate is essentially everything that you own. Your property and resources can be transferred through beneficiaries identified in documents (i.e., pensions and life insurance policies), wills, trusts, gifts, and joint ownership of property—all of which can be part of an estate plan.
Since you may accumulate many resources during your lifetime, you will probably want to decide to whom you wish to transfer your possessions upon your death. Everyone needs an estate plan. If you do nothing, the state will decide through state law how to transfer your property after your death.
How would you answer the following questions?
If I were to die tomorrow...
Plan to have your wishes carried out by taking action to develop an estate plan now.
3. Power of Attorney: Planning for Incapacity
A durable power of attorney for financial matters is an effective way to arrange the handling of your business and personal affairs if you become unable to do so.
Our ability to handle financial affairs can be diminished by degenerative diseases such as Alzheimer's, dementia, or serious accidents. It can happen to the young or the elderly. We never know if or when tragedy might strike.
A durable power of attorney is a simple, inexpensive, and reliable way to arrange for the handling of your financial affairs. It allows the designated person to pay bills and file taxes in addition to handling other financial matters. Both a durable power of attorney for health care and a durable power of attorney for finances are needed.
3.a. Common Types of Powers of Attorney
Power of Attorney: This document is commonly known as a financial power of attorney and gives one person (the agent) authority to act on behalf of another person (the principal). Full power or limited power can be granted in the document.
Attorney-in-fact: A person who is given authority by a power of attorney; sometimes called an agent. This person does not have to be a lawyer. It could be your spouse, an adult child, or close friend.
Durable Power of Attorney: While similar to a general power of attorney, a durable power of attorney continues after a person becomes disabled, incapacitated, or incompetent. This is a time when the power is most needed. In most states, it must be signed and notarized to indicate that it is "durable." (Note: Many states require that a power of attorney contain specific words to create a durable power of attorney. Consult an attorney to see what language must be included to create a durable power of attorney in your state.) It permits the person you appoint to handle your financial affairs and can be flexible by allowing the agent as many powers or as few powers as you wish.
Springing Durable Power of Attorney: The power-of-attorney document can specify when the document goes into effect. If it specifies that a doctor must certify that you have become incapacitated in order for it to take effect, it is called a "springing" durable power of attorney and allows you to remain in control of your financial affairs until you become incapacitated. Note that it cannot take effect unless it is "durable." (Caution: Today's medical privacy laws have made it difficult or impossible for doctors to sign statements that patients are mentally or physically incapable of managing their personal affairs. Unless the condition that "springs" the power of attorney into effect is specified in the document, it will be defined by state law.)
3.b. Duties of and Selection Criteria for the Attorney-in-Fact
Duties of the Power of Attorney: A power of attorney gives a broad range of business and financial powers as specified in the document. Some typical powers in a very broad power of attorney might include powers to:
A power of attorney can be either full or limited as outlined in the legal document. There are some things that the holder of a power of attorney cannot do on your behalf; these include:
A power of attorney becomes void upon the signer's death.
Selection Criteria for the Attorney-in-Fact: Choose your agent carefully. You are giving this individual the power to perform important financial transactions outlined in the legal document. If given full power, your financial agent/attorney-in-fact can transfer assets into a trust while you are alive and do anything that you could do, if you were still able.
If you become unable to make your own decisions and have not prepared this document, it is likely that your family will have to seek a guardianship or conservatorship action from the court in order to have the legal authority to manage your financial affairs. This can be inconvenient, costly, and cause delays. This is an important document; don't delay in getting it prepared.
4. Property Transfer: Documents and Legal Arrangements
Several tools and planning options are available to ensure that your money, possessions, and real estate are passed on as you would like. All of these legal arrangements have advantages and disadvantages. Use of one or a combination of these tools will be based on your circumstances, your wishes, and the way in which you want to protect your loved ones after death.
Beneficiary Designation: Some assets pass by means other than a will; these include insurance policies, Individual Retirement Accounts, 401(k) plans, pension plans, and profit-sharing plans. Beneficiaries and payable-on-death (POD) or transferable-on-death (TOD) designations are named on the contract, and—unless you designate "my estate" or make no choice at all—the transfer takes place directly upon death without involving the probate court. You can change your beneficiaries as the need arises by completing the required paperwork with the account holder—a bank or brokerage company. You cannot change them using a will or other estate-planning method. It is important to review beneficiary designations annually or when circumstances change to make sure that your assets will be distributed as you desire.
Gifts: Gifts are voluntary transfers of property without receiving payment before you die. Examples include stocks, cash, real estate, equipment, and personal property. Gifts can reduce the size of your taxable estate. However, if deathbed gifts leave the estate without funds to pay creditors, the probate court can order the property to be paid back to the estate. Gifting law is complex. Gifts can have an impact on taxes and eligibility for public benefits such as Medicaid to pay for nursing home care. Consult experts before making any substantial gifts.
Property Ownership: Property ownership involves tangible, intangible, and real property (possessions) to which its owner has legal title. The way in which you own property or the way it is titled (such as single or joint ownership) will determine how it is distributed upon death. Moreover, ownership is defined by state laws. It is important to make wise decisions about how property will be transferred to insure that it gets to the intended party. Careful consideration in planning and titling property will help avoid unintended consequences.
Will: A will serves as a written document that provides instructions on how you want your assets distributed after your death. It is often the easiest and least expensive estate-planning document to prepare. Also, it will permit you to name a guardian for your minor children. The main disadvantage of a will is that it must go through the probate process when you die. There are costs and delays associated with probate, which vary widely from state to state. Consult an attorney to determine the impact of probate in your state.
Probate: Probate is a court-supervised legal process that proves the validity of a will and oversees the administration of an estate with or without a will. It involves the procedure of gathering the decedent's assets; paying debts, taxes, and expenses of the administration, and distributing assets to the heirs or beneficiaries of your estate.
Trust: Assets can be transferred through a trust. When you transfer property to a trust you have created, you make a gift to the beneficiaries of that trust. Trusts can help avoid expenses and time involved in the probate process, and can help eliminate and reduce estate taxes. Assets in a trust can also be managed and distributed according to a predetermined schedule.
4.a. Property Ownership
When you begin estate planning, it is important to understand property and the property rights associated with its ownership. The form of property ownership has an important impact on the degree of control during life, as well as how property will be taxed and distributed after death.
All estates are made up of property. It may be tangible property, intangible property, real property, or a combination of the three.
Tangible personal property is property that can be touched or felt, such as cars, stereo equipment, television sets, furniture, silver, china, clothing, or furs. Tangible personal property is often called personal effects or household goods.
Intangible personal property might include stock certificates, bond certificates, patents, trademarks, or copyrights. Cash, checking accounts, savings accounts, money market accounts, and certificates of deposit (often referred to as liquid assets) are also part of your property.
Real property is real estate and land and anything that is affixed or erected upon the land. It can include fences, barns, mineral or oil rights, and crops or timber, to name a few.
4.b. How Property is Titled
There are several ways you may own real and personal property. The way in which you own property will determine what part of it—if any—you may give away. Moreover, state law defines the types of ownership. If you own property (i.e., real estate) in another state, the laws of that state will apply. For personal property, the laws of the state in which you claim residency will apply.
Joint ownership is a popular way to leave property to loved ones; however, it is not always the best way. There are advantages and disadvantages to joint ownership in an estate plan. In general, the primary advantage of owning property jointly is that your property passes automatically to the surviving joint tenant(s) when you die and probate is avoided. One disadvantage to joint ownership is that the decision is irrevocable unless you get the permission of the joint tenant(s). Another is that, in many instances, you have made a taxable gift to that person or those persons.
An exception to the rule of joint ownership is when adding a joint tenant to a bank account. Adding a person's name to your account is not an irrevocable decision indicating that you made a gift to that person. It is, however, a decision to take seriously, as the person can withdraw all of the money from your account. It is important to check with the financial institution to determine the rights created when you add a person as a joint tenant to a bank account.
See Prepare Your Estate Plan Case Study 3: The Dangers of Making Someone a Co-owner of a Bank Account as Joint Tenants with Right of Survivorship
4.c. Types of Joint Ownership
Several types of joint ownership are described below:
Community Property: The laws of some states specify that most property acquired by either spouse during a marriage is held equally by husband and wife as community property. Laws in a community property state provide that any property purchased or salary earned by a married couple during the course of their marriage is owned equally by each.
Joint Tenancy with Rights of Survivorship: This type of joint ownership states that, upon death, an owner's share goes to the other joint owner. Joint tenancy is created when two or more persons purchase or are given property at the same time. Each joint tenant owns an undivided interest in the whole property, and each has the right to possess, occupy, enjoy, use, or rent the property. The right of survivorship means that upon the death of one of the joint tenants, by law, the property automatically belongs to the surviving tenant and does not pass through probate. Therefore, upon the death of a tenant, property held by joint tenancy with rights of survivorship cannot be transferred or given away by a will.
Tenancy-In-Common: Ownership of property in which, upon death, each owner's share goes to his/her heirs or beneficiaries is known as Tenancy-In-Common. It is created when two or more persons own property together but also own separate titles to the property. Property owners may or may not own the same percentage of the property. For example, one may own 25% while the other owns 75%. Each owner may do as he or she wishes with his or her interest in the property, such as give it away, sell it, or mortgage it without the consent or knowledge of the other owner. With tenancy-in-common, upon death, one person's share passes as provided in his or her will or trust. Probate or other consequences are possible.
Tenancy-By-The-Entirety: This form of joint tenancy between a husband and wife is valid in a few states. Tenancy-by-the-entirety provides extra protections to real property owned by a married couple. One spouse owning property as tenants-by-the-entirety cannot mortgage, transfer, or otherwise deal with the property in any way that would affect the rights of the other spouse without the latter's consent. When one spouse dies, the other still owns the entire property.
There are some important things to consider about joint tenancy:
5. A Will: Who Needs One?
A will is an estate-planning tool that serves as your set of instructions regarding who gets your property and resources when you die. At a minimum, everyone needs a simple will. It is the document that most people use for transferring their property, and it is often the choice of young families and of others whose situations involve neither complex tax planning nor resource management for incapacitated family members. After death, the will is settled through the probate process.
To appreciate the terminology used in a will, select Prepare Your Estate Plan Case Study 4: How Much Will Each Heir Inherit? Remember to access the Financial Security Glossary for an understanding of the terms used.
Why have a will?
5.a. What Constitutes a Valid Will?
Factors that must be present in a valid will vary from state to state, so it is wise to check your own state's requirements. Certain elements are often necessary:
5.b. Types of Wills
There are several types of wills:
Attested wills are the most common type of wills. An attested will is usually prepared by a lawyer in typewritten form and signed in front of several witnesses who have no benefit in the will. All of the witnesses must sign it in front of one another and in front of the person making the will. The will-maker must also sign it in front of all of the witnesses. All of the previously mentioned signatures occur at one time in the same place.
Holographic wills are hand-written wills. State laws vary regarding their validity. Holographic wills must be signed by the writer and are unwitnessed. They are often ambiguous or defective and may cause delay, expense, and litigation. It is wise to consult an attorney before writing your own will.
Oral wills are also called nuncupative wills. An oral will is spoken and not written down. Only permitted by a few states, oral wills are typically made during a last illness and for personal property that is small in value.
Self-proving affidavits or self-proving wills are legal in some states. A self-proving will is one that has been properly notarized and includes certification by the notary that it was properly signed by the witnesses and testator (will-maker). A self-proving affidavit serves as testimony, thereby avoiding the delay and expense associated with locating witnesses at the time of probate.
5.c. Will Kits and Forms
A will is not a good do-it-yourself project. The cost of working around a minor mistake in a will can far exceed the cost of having a will properly prepared by an attorney.
Nevertheless, will kits and forms are widely available on the Internet, in bookstores, office supply stores, and other places. People can be attracted to these products by their apparent simplicity and low cost, but it's important to use them with caution. Always have an attorney review any will that you prepare yourself.
Some disadvantages of generic will kits and forms:
To understand the importance of getting legal help in writing a will, see Prepare Your Estate Plan Case Study 5: The Disadvantages of Writing Your Own Will.
5.d. Assets in a Will
Assets in a will, such as property, can be listed simply or detailed. They may include such non-titled property as family heirlooms and keepsakes, which have much more sentimental than financial value. Oftentimes, distributing family heirlooms and keepsakes presents greater challenges for family members than transferring titled property.
It is important to learn your state's laws regarding non-titled property transfer. The law varies widely from state to state on what is required to make wishes regarding personal property binding on the heirs of an estate. If you anticipate disputes over who gets what, talk to an attorney in your state to find out what you need to do to properly plan for personal property in your state. What worked for a loved one in another state may not work for you.
For ideas on discussing the distribution of non-titled property with sentimental value, see "Who Gets Grandma's Yellow Pie Plate?" http://www.yellowpieplate.umn.edu/indexB.html
Remember that some assets with beneficiaries—which may include life insurance policies, pension funds, and Individual Retirement Accounts—pass outside of a will.
5.e. Changing a Will
It is sometimes necessary to change a will. A codicil is a legal document that amends a will. You might find it necessary to make changes when the following events occur:
Divorce and separation can affect a will. In some states, divorce can revoke the entire will. In other states, it revokes only those provisions in the will that favor the former spouse.
5.f. Dying Without a Will
Dying without a valid will is called dying "intestate." If you die without a will, the laws of your state will govern how your assets are distributed. Whether you are single or married, it will be the laws of your state that determine how your property is transferred. You may also pay more in taxes for large estates.
To find an example of Kentucky's property-distribution laws, go to http://www.ca.uky.edu/agc/pubs/fcs5/fcs5425/fcs5425.pdf and access the article "Estate Planning: Wills and Probate in Kentucky." See page 2 for diagrams of "Property distribution for a person with a surviving spouse who dies without a will in Kentucky" and "Property distribution for a person with no spouse who dies without a will in Kentucky." To review your own state laws regarding property distribution, check with your state bar association.
6. The Probate Process
When someone dies owning property (real property as well as tangible and intangible personal property), the law provides a legal procedure for settling the estate. This procedure, commonly called "probate," involves:
Federal and state estate taxes are also determined, although these must be paid even if no probate procedure is required.
Not all property is subject to the probate process. Examples include:
After notice is given, state law will allow a period of time—varying from state to state—for creditors to make claims against the estate for debts owed them by the decedent (the person who died). The estate must remain open at least as long as the time allowed for filing claims against it. In certain circumstances, with court approval, an estate may be administered as a "simplified estate" for which direct court supervision of the personal representative's activities is not generally required, except to open and close the estate.
In a few cases, no probate proceeding is required. An example is if the decedent had no outstanding debts (or if any debts are assumed and paid by other people) and had no interest in property subject to the probate process. Another example is if the value of the estate is under a specified monetary amount.
6.a. Steps in the Probate Process
Steps in the probate process include:
7. Personal Representative: To Carry Out Your Wishes
The person who carries out the plan for settlement of an estate is called a "personal representative." This can be a family member or trusted friend, a bank with trust authority, or a trust company.
The court determines whether a proposed personal representative named in a will or trust is legally competent to serve. If legally competent, the court will appoint that person. If there is no will or trust naming a personal representative, a personal representative is named by the court.
Settlement of a decedent's estate involves continual contact with the court. Various legal rights and responsibilities must be determined. For that reason, the personal representative should hire an attorney for assistance. The choice of an attorney is made by the personal representative, although a person can state in his or her will or trust a preference for a particular attorney to help in administration of the estate. If the decedent's debts exceed the estate's assets, you should consult an attorney before taking any action with the estate.
7.a. Duties of and Selection Criteria for the Personal Representative
The personal representative:
Choose your personal representative carefully. The person you select must be:
8. Gifting and Tax Strategies
It is important to evaluate the effects of federal and estate taxes on estate planning. An estate may be subject to taxes before it is distributed to beneficiaries.
A specified portion of an estate is exempt from estate taxes. During 2004 and 2005, the first $1.5 million of an estate could be distributed to children or others tax-free. The Tax Relief Act of 2001 increased the tax-exempt level to $2 million for the years 2006 to 2008 and $3.5 million for 2009. Federal taxes are imposed when your estate exceeds the limits mentioned.
Federal estate taxes on the taxable portion of the estate range from 45% to 48%. The Tax Relief Act gradually reduces the maximum tax rate to 45%.
While most gifts or estates are not large enough to pay federal tax, you should estimate your estate taxes based on your net worth. If your net worth is at or above the federal taxable limits, you can use strategies such as trusts, gifts, and contributions to minimize your tax liability. To assess your estate's value, add all assets, subtract any liabilities (including your mortgage), and also deduct funeral and administrative expenses. Do this periodically, as persons who have saved or invested for many years can have larger estates than they anticipated.
Keep in mind that if your estate's value exceeds the exemption, the assets subject to tax upon your death may include cash, life insurance policies you owned, stocks and bonds, the family home, the family farm, tangible personal property (such as jewelry, clothing, art, furniture, china, computers, power tools, etc.), benefits under employee benefit plans, and retirement assets such as Individual Retirement Accounts.
8.a. Gifts and Unlimited Marital Deduction
A gift is a tax-free distribution of funds from one person to another. The 2006 Internal Revenue Service code allows you to give cash and/or property valued up to $12,000 to each of an unlimited number of recipients per year without tax consequences. A married couple can give up to $24,000 per year, per recipient.
Gifts made to recipients over time can help reduce a large estate, and the gifts are tax-free to recipients. The unlimited marital deduction permits gifts of any size to your spouse during life or at death without tax consequences.
More details can be found in IRS Publication 950, "Introduction to Estate and Gift Taxes," at http://www.irs.gov/publications/p950/index.html.
A word of caution: gift and transfer rules for Medicaid are much more restrictive than tax rules. The rules for Medicaid—which pays for 70% of all nursing home care—vary widely from state to state. If a nursing home stay is likely in the next five years, consult an elder-law expert before making any significant gifts.
9. A Trust: Who Needs One?
Reasons for Having a Trust: A trust is a property arrangement whereby a trustee (such as a bank trust department or a person) takes care of, holds title to, and, in most cases, manages property for the benefit of someone else. Trusts are not for everyone but can fit the needs of certain people, including those whose estates approach or exceed the federal tax limit and those with young children or disabled family members who are unable to manage their own affairs. Various types of trusts are designed for different situations and circumstances.
It is important to understand terms related to trusts:
Your personal circumstances will determine whether it is beneficial to establish a trust. Among the reasons commonly cited for setting up a trust are that it can:
A will is also needed to transfer any assets that have not been transferred before death and to nominate a personal guardian for children.
9.a. Types of Trusts: Testamentary and Living Trusts
Each of the various types of trusts available has particular advantages. An estate attorney can advise you about the type of trust that is most appropriate for you and your family situation. The testamentary trust and living trust will be discussed here.
A testamentary trust is a legal instrument contained in the will that sets up the management of assets for one or more beneficiaries following the death of the person creating the trust (grantor). This type of trust is created by the will and a trustee is named in the will. A testamentary trust is revocable until death or incapacity and has no effect until death and admission of the will to probate. This type of trust is generally used for minor beneficiaries or when you do not want beneficiaries to inherit the estate outright.
A living trust (also known as an intervivos trust) is a form of a contract entered into during the lifetime of the person creating the trust. It is established during the grantor's (creator's) life and may continue after the grantor's death. A living trust transfers property to heirs at the grantor's death without that property being subject to probate. A trustee manages the property and distributes the income and principal according to the grantor's instructions in the trust document. You will need a simple will to dispose of property that you did not put in the trust. You must remember to put property into the trust and to transfer title to the name of your trustee. A living trust should be accompanied by a pour-over will. This document will allow any assets that were not formally transferred to the trust during the life of the decedent to be "poured over" into the trust. These assets will then become part of the trust principal when the decedent dies. A living trust is a separate document and may have provisions that only take effect at the death of the grantor.
Living trusts can be revocable or irrevocable. With revocable trusts, you have control of the trust and can change the beneficiary, trustee, or other terms and can dissolve or revoke it. The person making the trust retains the right to use the property. The trust is used to manage assets and to avoid probate. Generally, assets still can be included in your gross estate for tax purposes.
Irrevocable trusts are permanent and cannot be revoked or changed. The grantor relinquishes all control over the disposition of the property placed in the trust and the income from it. This type of trust can have enormous tax advantages when the trust is not considered a part of your estate for tax purposes.
9.b. Advantages and Disadvantages of a Living Trust
9.c. Is a Trust the Right Planning Device for You?
The decision to create a trust is a complex one. You will want to discuss your personal needs with financial and legal experts. It is not uncommon for an individual who owns a small parcel of land, a home, and a few investments to have an estate that exceeds the federal estate-tax limits, resulting in large tax implications. In addition, if you own assets that require ongoing management, such as rental property, a trust may help facilitate their management in the event of incapacity.
Individual situations and the purposes of your estate plan will determine the best strategies for you. However, unless you have an estate that exceeds the federal tax threshold, own complex assets, or are providing for a minor child or disabled person, under most circumstances you are not likely to need a living trust.
10. How to Hire and Work with an Attorney
If you want to draft a will, create a trust, or prepare a power of attorney, you will need to work with an attorney. An attorney is the only professional licensed to write legal documents. Look for one who specializes in estate planning or elder law. Complex estates such as those with investments, real estate, and/or business assets may require consultation with family members and financial management, tax, and legal experts.
Finding an Attorney
Another way to locate an attorney is to contact your state's bar association and request a lawyer referral. Bar associations do not rate attorneys, but they exclude from their lists lawyers who have had excessive complaints about them. You can find members of the American and state bar associations on the American Bar Association's Lawyer Locator Website, http://www.abanet.org/lawyerlocator/searchlawyer.html.
10.a. Attorney Ratings
Once you have the names of several lawyers, you can find additional information about them in the Martindale-Hubbell Law Directory, available in many libraries and on the Internet (see http://www.martindale.com/). The directory contains biographical information, experience, specialties, education, and other professional information. Some attorneys are not listed because they are new to the profession or practice in a rural location where there are too few other attorneys or judges to rate them.
Almost every attorney listed in the directory is rated AV, BV, or CV. The ratings are a compilation of confidential opinions that Martindale-Hubbell solicits from lawyers and judges. There are two components to each Martindale-Hubbell peer review rating. The first letter is for "Legal Ability," which is rated as follows:
The second letter, V, stands for "Very High General Recommendation," meaning that the rated lawyer adheres to professional standards of conduct and ethics.
A Martindale-Hubbell rating should not be your only criterion for deciding on a potential lawyer. However, you can be reasonably confident that a lawyer who gets high marks from other clients and an AV rating from Martindale-Hubbell is knowledgeable and credible.
10.b. Interviewing Prospective Attorney Candidates
After narrowing the attorney list to two or three, contact the attorneys and request a face-to-face meeting. If you outline your needs in advance, many lawyers are willing to meet with you for a half-hour consultation at no charge. You should ask the attorney whether he or she charges a fee for an initial consultation. During this meeting, pay attention to your comfort level with the attorney. Ask all prospective lawyers:
Many people are uncomfortable talking about fees, but these must be discussed early in an attorney-client relationship. Legal advice does not come cheaply. Lawyers commonly charge for their work on an hourly basis. Fees vary by region, by the complexity of the case, and by the experience of the lawyer. Rates may range from $60 to $300+ per hour. Attorneys may also offer a "flat rate" for certain types of work, such as drafting a will or trust. After selecting an attorney and before beginning legal work, get an agreement in writing.
One final question that is helpful is to ask is "What would you like to know about me?" More than any other, this question will tell you whether this legal adviser is a true pro. If he or she is not interested enough in you to probe now for full answers to critical questions, say good-bye. You may never get the treatment you deserve from a professional who shows little interest.
10.c. Deciding What to Include in Your Estate Plan
Once you have selected an attorney, decide what you want your estate plan to achieve before scheduling a second, longer meeting. Determine:
Organize and prepare important lists and inventories. You will need many of these papers to complete your estate plan. See the lesson Organize Your Important Papers for forms that you will find useful.
10.d. Preparing a Checklist for Meeting with an Attorney
As you begin your estate plan and before you meet with attorneys and other financial advisers, it is helpful to assemble the following information. Having this information readily available will save you time and money in legal fees. It will also help you think through your wishes for distributing your estate. Use the Record of Important Papers, Household Inventory, and other forms in the Organize Your Important Papers lesson to assist you. Include in your list:
Case Studies and Resources
Initiating Discussions about Property Distributions
Do you have concerns about property-distribution issues? Discuss these particular situations with your adult children, trusted friends, or parent/guardian. The correct responses are provided for residents of Idaho, Iowa, Kentucky, North Dakota, and South Dakota.
Return to the Prepare Your Estate Plan learning lesson.


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Right-click an item in your Mailbox or Calendar, then click.
The icons next to an item can also give you helpful status information. For more information, see Section 1.8, Identifying the Icons Appearing Next to Items.
To change to the Advanced Properties, click.
Right-click an item, then click.
Click> .
WebAccess gives the item a temporary file name. You can change the file name and default folder.
Right-click an item, then click.
Clickto display a printer-friendly version of the status information, then click .
Select print options and print the status page as you normally would in your Web browser.
GroupWise WebAccess provides several ways to confirm that your item was delivered.
You can check the status in the Properties window of any item you send. For information, see Checking the Status of Sent Email.
If the receiving email system is capable of returning notifications, you can receive notification when the recipient opens or deletes a message, declines an appointment, or completes a task.
To always receive notification for items you send, click theicon , then click .
Click thetab.
In thesection, specify the type of return receipt you want.
To get a return receipt for one item, open an item view, then click thetab.
In thesection, specify the type of return receipt you want.
You can inform the recipient of an item that you need a reply. GroupWise WebAccess adds a sentence to the item stating that a reply is requested and changes the icon in the recipient's Mailbox to a double arrow.
To request a reply for all items you send, click theicon , then click .
Click thetab.
Specify when you want to receive the reply.
The recipient sees next to the message. If you select, "Reply Requested: When convenient" appears at the top of the message. If you select , "Reply Requested: By xx/xx/xx" appears at the top of the message.
Click> .
To request a reply for one item, open an item view, then click thetab.
Specify when you want to receive the reply.
The recipient sees next to the message. If you select, "Reply Requested: When convenient" appears at the top of the message. If you select , "Reply Requested: By xx/xx/xx" appears at the top of the message.
You might want to display items you previously sent. For example, you can read a sent item, resend it with or without corrections, and in some cases, retract it if it has not already been opened by the recipient.
Click thefolder in the folder list.
All sent items reside in this folder unless they are moved to a folder other than the Mailbox or Calendar. If a sent item is moved to another folder, it no longer displays in the Sent Items folder. To display sent items that have been moved to other folders, open those folders.
You can sort items that you have sent by any column in the Sent Items list.
Click the column heading to sort messages in that column in alphabetical order. Click the column heading a second time to sort messages in that column in reverse alphabetical order.

subset: commoncrawl


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September 27, 2013
Child Education And Learning Is Positive In Your Future And Better Expertise
Education and learning is that which changes a person to live a much better life or even in a social well being. Education is the one that doing something positive in our future. It aids a kid to show their best by their mind and also spirit. It offers him a great deal of expertise


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Sten R. Sörensen, Chairman
Currently also CEO at Cereno Scientific AB and Chairman of the Board at Stayble Therapeutics AB and AcuCort AB. Seasoned professional with international experience in a variety of sectors including Pharmaceutical, Biotechnology, Finance, Renewable Energy and Management Consulting. Assignments include senior global positions at AstraZeneca and Monsanto/GD Searle, CEO and Board member at Pharma Start Up Cortendo, Sector Head Life Science, Med Tech, Pharma & Private Equity at PwC, VP Bus Dev and Board Member at Eurowind.
View Sten Sörensen's LinkedIn profile
Dr. Johanna Asklin, Board Director
Innovation Manager at LU Innovation with a focus on commercialization of cancer research. She has over 10 years international experience in commercial project management and business development in several different therapeutic and diagnostic areas. Johanna is currently also Chairman of the Board for SAGA Diagnostics AB and Board member of Akuru Pharma AB.
View Johanna Asklin's LinkedIn profile
Assoc. Prof. Johan Kördel, Board Director
Senior Partner at Lundbeckfonden Ventures and board member of Acacia Pharma, BoneSupport, Enterome, Iconic Therapeutics, River Vision, VHsquared and Ziarco. He was previously co-founder and CEO of Sound Biotech ApS and co-founder and Senior Vice President of Research and Business Development of Biovitrum AB. Prior to these positions Johan worked a decade in the pharmaceutical company Pharmacia with management, research, early development, portfolio management, business development and alliance management. He is an associate professor in Physical Chemistry at Lund University, Sweden.
View Johan Kördel's LinkedIn profile
Jens Knobe, Board Director
Senior Vice President Product & Market Development at Getinge Infection Control in the Getinge Group. Jens has 25 years of experience of driving growth in the life science and telecom industries.
View Jens Knobe's LinkedIn profile
Prof. Mikael Akke, Board Director
Director NMR services and co-founder of SARomics Biostructures AB. Professor, Professor of Physical Chemistry at Lund University since 2005. He is an expert in biomolecular NMR spectroscopy. His current research includes fundamental studies of the driving forces underlying ligand binding.
View Mikael's LinkedIn profile
Dr. Björn Walse, Board Director
Co-founder and CEO of SARomics Biostructures AB and has over 15 years of drug discovery and research management experience from the biotech industry. His main focus area is structural biology and structure-based drug design and he has been involved in numerous early stage drug discovery projects.
View Björn's LinkedIn profile


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Developer: Funcom Oslo A/S
Publisher: Electronic Arts, Inc.
Damageable vehicles: No
Pictures for this video game were provided by: domi-kun , fordcortina83
RacerToni98 (2)
2012-06-17 08:42
|Adults Only
ACE the ultimatum (37)
2012-07-26 08:32
| 16 years isn't adult! But maybe in YOUR country it is!
lcpdcv (52)
2012-07-26 08:33
|More like, with his logic it is.
Pablo1989 (12)
2012-07-26 18:02
|I hope you can make own char like in APB.
You must login to post comments...


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Blu-ray could be the prevailing format when it comes to movie viewing now. No wonder, because its high quality sound and video surely an awesome experience. Even so, quite a few individuals turn away from buying Blu-ray discs because of their fee. Another reason is really because they think Blu-ray isn't very more advanced than regular Digital video disc. On the contrary, Blu-ray discs have very distinct advantages over DVDs.
Remember, if your chosen topic captured your passion, it's a fairly safe bet who's also captures the passions of countless other people too. Those people are searching the internet as you read this, searching for information dealing with your subject.
AK: In order to not sound want a gaming laptops 2015 snob, but it's 3rd-person. Lol. Well, it's definitely a favorite but not THE top. I do love Halo too, but really I'll be into anything that has good, tight takes over. For example, I sincerely been a heck out of the new Warhammer 40k Space Marine game that recently came out, and so i was disappointed because Chance it got buried throughout the other Holiday releases. It was a seriously fun to play shooter horrifying than hope they create more just like it. Ummm, Dead Space, Doom 1&2&3, Goldeneye, Rainbow 6 Vegas series, Starcraft.really I'll play almost anything except RPG's and MMO's. I played enough Pokemon back involving day to last me a life-time, the many innovations not your most hard-core of RPG's.
Connectivity remains all encompassing with a number of options kept open for achieving transfer of files. Thought of forms of connectivity which available are GPRS, HSCSD, EDGE, 3G, WLAN, Bluetooth, Infrared and USB harbour. These have enormous potential to transfer files some other devices any kind of grade. It might range from the laptop, an electric camera with mobile the radio. Wireless transmission can be a reality due to the presence of Bluetooth.
The words formed on this lips, "Hell no," I said. My darling's eyes popped open in amaze. This may have been the second time that i have said no to her. Ever sold. Dana turned around to begin the kitchen drawer, giving the impression of she knew she was bamboozled. I offer that may her. After all, this entire damn thing was my fault ways. The least I could do was help with task that neither people had planned to do today.
Is your valentine into paintball competition? Learn his favorite gun and win him only one. If you haven't sufficient money, get a clear case of good paintballs. Generally, approach paintballs cost a little a the poor ones.
Be careful here. there is a lot of outfits that advocate 'playing games' to fool yahoo search. the problem must be. the search engines don't like such things. In the end. when you do get landed. they'll blacklist you and it's game all over. This is one unbendable secret! Keep it honest. Keep it smart!
The convenience of the Nokia N900 give you exclusive battery support most people to carry the handset with the conviction that it'll serve them in operate is expected to. The battery lives up to give 410 hr of standby and also 4 hrs of talk-time. The processor is automobiles actually have ARM 11 369 MHz and using system is Symbian looking for.2.


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Simmer the sauce, (low heat) stirring until the sugar is melted. Then, stir occasionally for a few minutes while the oil is drawn out of the lemon. Do not allow to scorch.
1 32 oz. bottle ketchup
2/3 small jar prepared yellow mustard -- (i.e. French's)
1/2 pound dark brown sugar
1/3 large onion -- chopped coarsely
3 tablespoons distilled white vinegar
2 large lemons -- sliced
Tabasco hot sauce to taste
-- (3 drops to 1/2 tsp.
ground black pepper to taste


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HIV Overview
What is a Latent HIV Reservoir?
Last Reviewed: July 11, 2018
Key Points
- HIV infects immune system cells in the body and uses the cells' machinery to make copies of itself. These infected cells can go into a resting state and stop producing HIV. A group of infected cells that are not actively producing HIV is called a latent HIV reservoir.
- Latent HIV reservoirs can wake up and start making more HIV. If someone with HIV is not taking HIV medicines when this happens, the level of HIV in their body (called the viral load) will start to increase.
- Latent HIV reservoirs can be found in many places throughout the body, and HIV can hide out for years inside reservoirs.
What is a latent HIV reservoir?
A latent HIV reservoir is a group of immune cells in the body that are infected with HIV but are not actively producing new HIV.
HIV attacks immune system cells in the body and uses the cells' machinery to make copies of itself. After entering the body, HIV inserts its genetic blueprint into the DNA of an immune system cell, such as a CD4 cell. The infected cell starts producing HIV proteins that act as the building blocks for new HIV. To find out more about how HIV attacks cells, read the AIDSinfo HIV Life Cycle fact sheet.
Some HIV-infected cells, however, go into a resting (or latent) state. While in this resting state, the infected cells don't produce new HIV.
When HIV infects cells in this way, it can hide out inside these cells for years, forming a latent HIV reservoir. At any time, cells in the latent reservoir can become active again and start making more HIV.
Where are latent HIV reservoirs found in the body?
Latent HIV reservoirs can be found throughout the body, including in the brain, lymph nodes, blood, and digestive tract.
Do HIV medicines work against latent HIV reservoirs?
HIV medicines reduce the amount of HIV in the body (called the viral load) by preventing the virus from multiplying. Because the HIV-infected cells in a latent reservoir aren't producing new copies of the virus, HIV medicines have no effect on them.
People with HIV must take a daily combination of HIV medicines (called an HIV regimen) to keep their viral loads low. If someone is not taking HIV medicines when the infected cells of the latent reservoir begin making HIV again, the viral load in the body will start to increase. That's why it's important to continue taking HIV medicines every day as prescribed, even when viral load levels are low.
How are researchers targeting latent HIV reservoirs?
Finding ways to target and destroy latent reservoirs is one of the major challenges facing HIV researchers. New studies are exploring different strategies for clearing out reservoirs, including:
- Using gene therapy (which means manipulating genes to treat or prevent disease) to cut out certain HIV genes and inactivate the virus in HIV-infected immune cells.
- Developing drugs or other methods that reactivate latent HIV reservoirs so that the immune system or new therapies can effectively eliminate them. This is sometimes known as the "shock and kill" or "kick and kill" strategy.
This fact sheet is based on information from the following sources:
From the National Institute of Allergy and Infectious Diseases (NIAID):
Related Content
Need Help?
- Call 1-800-448-0440
- (1 p.m. to 4 p.m. ET)
- Send us an email


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September 7 will be Apple's biggest day of the year.
Business Insider will be live at Apple's iPhone launch event in San Francisco covering the news at 10 a.m. Pacific, 1 p.m. Eastern. In the meantime, keep reading to find out everything we expect the company to announce.
It's all but confirmed that the iPhone 7 won't have a headphone jack. This will easily be the most controversial move Apple has made in years, so it'll be interesting to hear the company's explanation for it.
Instead of a traditional headphone jack, you'll have to use headphones that plug into the iPhone's Lightning charging port or a pair of Bluetooth headphones.
Apple will likely include a pair of Lightning earbuds with the iPhone 7.
Apple is said to be working on new wireless earbuds that will launch with the headphone-jack-less iPhone 7, according to a 9to5Mac report from Mark Gurman a few months ago.
If we had to guess, Apple will likely push the wireless earbuds as a separate accessory, not include them with the iPhone 7 as some have speculated.
What if you want to plug in your regular headphones? According to accurate Apple analyst Ming-Chi Kuo of KGI Securities, Apple will likely include a dongle that lets you plug in regular headphones through the Lightning port.
It's been two years since Apple first unveiled the Apple Watch, and it's due for an update.
However, early reports indicate that the new version of the Apple Watch, which could also be announced on September 7, won't be a major upgrade. Instead, it'll likely look nearly identical to the current Apple Watch, but include new sensors for tracking health, like a GPS and barometer, according to Kuo.
Beats, which is owned by Apple, may announce new headphones on September 7, according to a press release that was mistakenly sent out early to some press in Europe. If we had to guess, Beats will likely have at least one model of headphones that works with the iPhone 7's lightning port.
Apple's four new operating systems: iOS 10 (iPhone/iPad), macOS Sierra (Mac), tvOS (Apple TV), and watchOS 3 (Apple Watch) have been in beta since the company first unveiled them at WWDC in June. The final versions are supposed to launch this fall, and Apple will likely give us the official launch date during the iPhone 7 event.


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BEIJING/KUALA LUMPUR, March 13 -- Chinese Premier Li Keqiang vowed Thursday that his country will not give up its efforts in searching for missing Malaysia Airlines Flight MH370.
As the multinational hunt entered day six for the Beoing 777 aircraft,which suddenly disappeared from radar early Saturday morning while carrying 239 people from Kuala Lumpur to Beijing, no solid leads about its whereabouts have been found so far.
"We will not give up any suspected clue that is being found," Li said at a press conference in Beijing. "We are also looking very closely at all suspected clues showing on satellite images."
The Chinese government, he said, urges all parties involved in the search to enhance coordination so as to locate the missing plane as soon as possible.
Among the 227 passengers aboard the ill-fated plane, 154 are Chinese. Beijing has launched an all-out search and rescue mission, with eight vessels scouring waters around MH370's last confirmed location and 10 satellites providing technological support in the space.
The China Maritime Search and Rescue Center said Thursday that Chinese search teams searched 23,282 square km of waters as of 6 p.m. (1000 GMT) Wednesday and will cover 19,768 square km on Thursday.
The latest clue emerged Wednesday evening when China's State Administration of Science, Technology and Industry for National Defence (SASTIND) said a Chinese satellite has found three floating objects at a suspected site.
The images, which were captured around 11 a.m. Sunday, show that the objects measure 13 by 18 meters, 14 by 19 meters and 24 by 22 meters, respectively, said SASTIND, adding that the discovery is being analyzed.
According to the agency, the objects were spotted in the South China Sea at 6.7 degrees north latitude and 105.63 degrees east longitude and spread across an area with a radius of 20 km.
It remains unclear whether the suspicious items originate from the missing plane. Previously detected pieces of debris have all turned out to be false alarms.
In yet another twist of the mystery around MH370, Malaysian Air Force chief Rodzali Daud told reporters in Kuala Lumpur on Wednesday that an unidentified object was plotted on military radar at 2:15 a.m. Saturday over the northern Malacca Strait.
The last definitive sighting on civilian radar was recorded around 1:30 a.m. on Saturday, less than an hour after the plane took off from Kuala Lumpur, as it flew northeast over Vietnamese waters.
"I am not saying it's flight MH370. We are still corroborating this. It was an unidentifiable plot," Daud said.
The air force chief denied reports that military radar tracked MH370 flying over the Strait of Malacca, but he did not rule out the possibility that the aircraft might have turned back before disappearing.
In order to help unravel the mystery and find the plane as soon as possible, the Civil Aviation Administration of China (CAAC) has proposed sending an expert team to Malaysia.
Malaysia's special envoy, Ong Ka Ting, said the Malaysian government will give priority to China's proposal and open a communication channel between the aviation authorities of the two sides swiftly.
More than 80 ships and planes from around a dozen contributors are now combing the waters on both sides of the Malaysian peninsula to locate the missing plane.
The most urgent task now is to speed up the search and rescue operations, said Guo Shaochun, head of a Chinese task force, at a press conference held in the Chinese embassy in Kuala Lumpur.
He also urged the Malaysian side "to listen carefully to the next of kin of the Chinese passengers and take swift actions to respond to the needs of the families."
Malaysia Airlines said it has deployed a total of 112 care-givers to provide the family members of MH370 passengers and crew "with emotional support and ensure their basis needs are met to try and make this difficult time relatively bearable."
In its latest statement, the carrier said the MH370 and MH371 flight codes will be retired from its Kuala Lumpur-Beijing route "as a mark of respect" to the passengers and crew of the missing plane.


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You can find mimi at her etsy shop and at her blog, Dandelion Wishes. Please take a moment to stop in and say hello.
*all photographs are property of mgpscrapbooker and are not to be copied.
Mimi, I love your work especially the box with the cupcake on it. Just lovely enough to eat!!!! Thankyou for the share. Char
You do beautiful work Mim. So glad you could share your talents with us. Sandi
What awesome talent!! Mini, I love your details!
Thank you so much ladies for all your kind comments. I so appreciate them all.
I have one of Mimi's charms and she does wonderful work, I really love the cupcake and how you packaged it Mimi :)


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Growing Up Gotti
This is My dream House. It was one of our projects we had for my teacher Mr. Price. My house is very
big because i plan to have a big family. I wanted A two Story house and a Swimming pool, Soccer field, Movie Theater,
Basketball Stadium in my house. If you wanna see more houses then go to my links on the bottom of this page. bye
House Plans
cool homes
luxury homes
Enter content here
Enter supporting content here


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Food Dictionary
Food Dictionary
Larding Needle
Search Food Dictionary
Larding Needle
open this page in your Mobile / Tablet
General Info
Larding Needle
A larding needle is a needle which is designed to push fat into meats for cooking in a process known as larding. Larding is a very old technique for keeping meats moist and flavorful during the cooking process, and it continues to be called for in some recipes. Lard is the traditional choice of fat for this cooking technique, since it is cheap and readily available, although other rendered fats may be used as well. A related cooking technique, barding, involves wrapping meats in strips of fat, rather than forcing the fat into the meat.
A typical larding needle has a very sharp tip and a hollow body. A strip of fat or lard is forced into the larding needle, and then the needle is pushed through the cut of meat to be larded. As the larding needle passes through the meat, it leaves the strip of fat behind. In a sense, larding could be viewed as a form of artificial marbling, lacing a meat with fat so that it will cook to perfection.
Some cooks use a U-shaped larding needle which works in much the same way as a regular larding needle. Many larding needles also come equipped with small teeth for gripping the piece of fat as it is run through the meat. Cooks can also accomplish larding by injecting lard into a cut of meat with a large-bore needle, as long as they remember to carefully pull the needle out as they force the lard through to avoid making a large deposit of lard in a small area.
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For some reason, last year I went to the NAHBS in Richmond, VA (great show gents, great show), and never posted my pics. So, here, for your viewing pleasures, are some pictures from last year's show to get you pumped and primed for this year's show in Austin. For those of you going, have a good time. From what I understand (I've never been there), Austin is the epicenter of good riding, good beer, good Tex Mex, great music, and tons of other great shit. File a report when you get back if you're going, I for one, would like to hear about it. With that being said, pictures are below:
That's all that I have from last year's show, well, not true, I have more, but these are the best pics that I got. The thing I saw the most was the trend maybe towards more lugs, more artwork in the lugs, but not at the sacrifice of performance of the frames and bikes themselves. The stuff there looked awesome, and the thing I came away with was that handbuilt bikes in the US are still going (as well as around the world), and the people building these rides are passionate about what they do. You could tell, even after being there for several days, they still had some sparkle in their eyes when talking about bikes, and building bikes.
Again, someone gets there this year, drop a line, tell us how it was. If anyone from the DC family is going, then all that much better.by


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Cinema Cafe's plans include bar in lobby, food served in theater
Business July 17, 2018 Press release
After years without a movie theater, one is planned for Chester next year. A new Cinema Cafe complex, located off Route 1 in the Bermuda Crossroads Marketplace, is slated to break ground this fall for an opening in 2019.
The free-standing establishment will also feature a spacious bar and lounge located in the lobby, which will provide guests an ideal hangout before and after the movie where they can enjoy one of 20 different beers on tap or a signature cocktail.
"We couldn't be happier to bring our newest theater to Chester. After visiting the area over the last year, and meeting the friendly people of Chester and Chesterfield County, I know this will be a great match," company CEO John Walker said. "I'm always a bit nervous about expanding and finding the right location, but with the help of Chesterfield's Economic Development Department in finding this location, we are looking forward to becoming a member of this community,"
The new Cinema Cafe location will boast nine full-service auditoriums with handcrafted American favorites like burgers, pizza, beer, wine, cocktails, and other movie must-haves like popcorn and candy all served at your seat by waitstaff. Auditoriums will showcase large wall-to-wall digital high definition screens, enhanced Dolby digital sound, luxury leather recliner seating with swivel tables, extra wide space between rows for maximum comfort, and one auditorium with a premier large-format experience. The nine-plex will be 45,000 square feet with 1,400-seats.
Since 1986, Cinema Cafe has been known for being an innovator in the world of dine-in theaters, successfully combining movies and full-service dining into a unique one-stop experience. One of the oldest cinema eatery chains in the nation, Cinema Cafe was named "Best Movie Theater" and "Best Family Entertainment" (The Virginian-Pilot's Best Of 2018). Guests will be able to order food and drinks from an extensive menu in the theater with a server who waits on them throughout the film with "ninja-like stealth," a press release states.
With a focus on the values of extraordinary service and affordability that helped to establish Cinema Cafe as a staple in the Hampton Roads area, the Chester location will be Cinema Cafe's sixth location in Virginia and is much larger than the original Virginia Beach twin-plex that John and Debbie Walker opened 32 years ago.
For more updates and information on Cinema Cafe Chester, follow them on Facebook, Twitter, Instagram and at cinemacafe.com.


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NFL free agency kicks off on March 12, and there are plenty of major names in play, including Victor Cruz, Dwight Freeney, Joe Flacco, Jake Long and Mike Wallace. Of course not all will hit the open market - teams have the three days before free agency to negotiate with free agents-to-be - but those who do will command major contracts. Long, for example, is reportedly looking for $10 million annually, while Flacco is said to be asking for a contract that will rival Drew Brees' $20 million-per-year deal.
Of course the problem with such massive contracts is their propensity for backfiring. Just in the last few years we've seen Kevin Kolb, Michael Vick, Mark Sanchez and Matt Cassel sign major deals that most would now agree were total mistakes - and those are just the quarterbacks. With that risk in mind, we decided to find the free agents who offer teams the most potential bang for their buck.
These are the low-investment, high-upside players who have shown an ability to compete at an elite level. In a worst-case scenario they take up a roster spot and a miniscule piece of cap space, and at best they emerge as top playmakers at a bargain price. We leaned toward guys coming off injuries or poor seasons, and also included names that might be lost in a sea of talented, available players at their positions.
Leading the list is quarterback Matt Moore, who really doesn't receive the credit he deserves. Sure, he's played pitifully at times, but in his one extended stint as a starter he threw for 2,330 yards and 16 touchdowns to eight interceptions over 12 starts. Moore was once again relegated to backup status last year and could likely be signed for backup pay this offseason, which makes him a relatively safe and low-cost alternative to risking a high draft pick this April.
Running back Peyton Hillis is another player who has shown flashes of brilliance but was pushed into a backup role last season. He's coming off a one-year, $3 million deal but a general lack of production in 2012 means he should be available for even less this offseason. Hillis is a big-bodied back who, at the very least, is a more-than-capable goalline option and at best is a punishing, every-down threat as both runner and receiver.
The offensive skill players are rounded out by St. Louis' Steve Smith, who was among the league's top receivers prior to a 2010 injury and should be available for around the league minimum, and tight end Visanthe Shiancoe, who may be far from an elite talent but represents a reliable pass-catcher who could be signed for about $1 million per year.
Be sure to check out the slideshow above for the rest of our selections of the NFL's best bargains in 2013 free agency.
In Pictures: The NFL's Best Bargain Free Agents In 2013


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I ran into a friend the other day who I hadn't seen for a while. Last time I talked to him, he'd just started a new job. That was about 4 months ago.
"How's it going?" I asked.
"It would be great if it was just one job," my friend said.
"What's up? Is the job bigger than you though it would be?" I asked.
"No. But I'm still getting pulled into my old job. I spend at least 2 days a week on it. They haven't hired anybody yet, so I still get called when they really need something."
Hmmmm. My friend's plight is more common than you might think.
It's easy to make a clean break when you're leaving the company (usually); sometimes when you move within a company it's harder to cut the ties.
Ideally, you'll be able make hand offs and tie up loose ends in a 2-3 week period before you start your new job.
Sometimes, though, a manager may ask for an extended transition. If this happens, sit down with both your new manager and your old manager and agree to a transition plan. Spell out what you will do in each week of the transition… and make sure that your duties in the old job are diminishing over the course of the transition.
If you're caught in the same trap my friend is, doing two jobs with no end in sight, take these steps now:


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The 11th edition of BIOFACH INDIA, the only organic platform in India to connect and network with your target audience is scheduled to be held from 7 – 9 November, 2019 at India Expo Centre, IEML, Greater Noida, Delhi-NCR.
India's largest and most focused event for organic products provides the perfect business platform to organic stakeholders, retailers, exporters / importers, Govt. boards, state pavilions, certification bodies, consultants and associations from India and all over the world to congregate for networking. Such a high quality of visitors and exhibitors is what sets the fair apart from any other fair in the Indian market.
Organic is more than a label or certification: organic stands for quality and conviction – for the responsible use of nature's resources. BIOFACH INDIA is the meeting place in India where anyone and everyone who is connected to organic converge annually to share their passionate interest for organic products, network at a common platform and educate themselves about the latest developments in the organic sector.
India holds a unique position among 172 countries practising organic agriculture: it has 6,50,000 organic producers, 699 processors, 669 exporters and 7,20,000 hectares under cultivation. Today, Sikkim is an organic state with 75,000 ha of land under organic cultivation based on an initiative that started in 2003. Meghalaya aims to convert 200,000 ha under organic farming by 2020. With growing awareness about health, changing lifestyles and increased spending capacity in India, experts say the country's organic food market has a bright future. A recent government study predicted its value would reach $1.36 billion per year by 2020.
The Government of India will soon be setting up specific agriculture export zones well placed with ports and airports in the country, aimed at boosting the exports of India's agricultural produce internationally.
"The government has also drafted a new national agriculture export policy to support the export of organic products. The policy has been jointly prepared by the Ministries of Commerce, Agriculture, and Food Processing," said Suresh Prabhu, Minister of Commerce and Industry and Civil Aviation, while inaugurating BIOFACH INDIA 2018.


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Related Ministries
Need more resources? See below! Many loyal and talented Seventh-day Adventist volunteers have developed beautiful, supplementary resources for enriching Sabbath schools and families using My Bible First materials. Please contact each individual supplier for information and orders.
Memory Verse Songs
Treasures From God's Word: My Bible First memory verses set to beautiful melodies.
Kindergarten and Primary: Song/Activity Book: $9.95/quarter; CD: $12.95/quarter; Complete Songbook: $19.95.
Beginners: Complete Songbook: $19.95.
Toll-free: 1-877-886-1225 (Ask for O.H. Resources)
Phone: 1-870-342-6210 (Ask for O.H. Resources)
E-mail: email@example.com
Memory Verse Devices
Kids' Ministries Press: Teaching resources, including memory verse devices for My Bible First curriculum (primary, kindergarten, and cradle roll).
Toll-free: 1-877-257-1616
Phone: 1-775-783-4916
E-mail: email@example.com
Well Done Crafts: Make your teaching more effective with pre-cut crafts, projects, and table activities to help your students experience and remember the spiritual lessons taught in the My Bible First curriculum for cradle roll through juniors.
Phone: 1-252-943-2630
Website: http://welldonecrafts.wordpress.com/
Bible Story Felts
Attention-holding, versatile, durable felt figures to illustrate all Bible stories. The teaching helps available from My Bible First are coordinated with the 3-year felt set available from these companies.
Betty Lukens Felts
Toll-free: 1-800-541-9279
Website: http://www.bettylukens.com/
Little Folk Visuals
Toll-free: 1-800-537-7227
Phone: 1-760-345-5571
Ellen G. White Felts
Easily illustrate the stories of the early Adventist pioneers! Comes with companion book of stories. Available from Little Folk Visuals (see above for contact information).
Digital Felts
Children's Ministry Place: Wholesome, realistic, animated. (Like the flannel-graph board, only digital felts move and scenes change with a click!) Also, weekly pre-made digital felt scenes on DVD that correspond with My Bible First primary and kindergarten lessons. Easy click-by-click teacher notes. Includes coloring pages and memory verse activities. DVD player required.
Phone: 1-509-738-2454
Bible Story Videos
Children's Ministry Place: Watch My Bible First primary lessons being taught. Learn to creatively use felts, bring out the spiritual points of each story, keep children's attention, and help them learn their memory verses.
Phone: 1-509-738-2454
To All the World: Delve into the pages of God's two books, the Bible and nature, with your friends and family. These video productions focused on character growth present the deep truths found in Bible stories. The Bible story comes from My Bible First and practical lessons are illustrated with God's second book, nature.
Phone: 1-707-574-6408
E-mail: firstname.lastname@example.com
Website: http://www.toalltheworld.org/


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Tuesday, September 2, 2014
With all that going on there has been little progress in the sewing world. I have completed the mountain of skirts - to which I now have a husband complaining that I have to many skirts and should make some dresses (honestly he should make up his mind). Most of my stuff in in storage but that's ok cause I am still trying to get thin enough to fit back into them. (Worst dieter EVER). I am also planning my trip to Egypt/Jordan in a few weeks which will be fantastic.
I did manage to make a dress for my friends wedding (photos and post later this week) but mostly all that what I have managed is to purchase more material (that I probably didn't need) and more patterns (that I certainly didn't need). I am coming to the point where now I need to honestly consider - should I sell off the patterns I don't think I will use? Then I get that other thought... as soon as one is sold then I will want to make it. The old adage about having cake and eating it too comes to mind. I never really understood that one - what good is cake if I can't eat it. I probably should resell and share the love but I love them all so much (at least I do when it comes to sale thoughts).
In order to get a better handle on sewing I have come up with the idea I am going to try and complete one major sewing project every month. A pre-planned extravaganza of awesome sewing with no corner cutting allowed.
Before the trip I may put together some random skits and things like that but once I am back it is all on. I will post my calendar of sewing projects in a week or so when I have finalised the plans (all subject to change of cause).
Anyway I have 13 weeks off uni so hopefully I can get at least a few posts in here, even with the month away.
Sunday, January 26, 2014
It Is Possible I have an Addiction
I hear on various Facebook parenting groups that you only ever regret the children you didn't have. Well I guess that's how I feel about fabric. I will only ever regret the fabric I didn't buy. Having my husband there does help to restrain my tendency to plan 50 outfits in each store and then stock myself ready to make them so instead I came out about $30 poorer than I entered but 10m richer in fabric.
This on top of the Alexander Henry fabric I purchased on Ebay last week means I should be very busily trying to burn through some stash. So for the record I accept that I have an addiction, but that being said there are far worse ones out there right.
So new to the stash are the following:
So this one is the Alexander Henry that i bought on Ebay, and it is probably my favourite of the new stuff. I have maybe a meter to a meter and half but its a tall bolt so i don't know if its a skirt of shift dress. The colours have come out pretty good on this photo its black creamy white and soft brown tones.
This is poplin, the green is showing more lime than it should be its more acid. Infact it is the same colour exactly as the green from the hulk outfit in my avengers post. And the other is black, plain run of the black. The green will be a dress that I will explain in a later post and the black will be a skirt and maybe a petticoat/petticoat dress (which I should do a post about shortly). And also cause well when do you ever have enough plain black cotton.
And finally my true addiction three more pattern rayons for skirts. I am very very much addicted to this fabric. It is light and airy, it is easy to sew, it falls beautifully and is only $4/m. There was about 10 other patterns I wanted so to only have these three I think shows some awesome restraint.
I still have 3 other skirts to finish plus this three so I better get to the sewing side of things now.
I will update soon on a couple of the projects I am hoping to complete soon including an awesome cape trial and several other skirts.... But first things first.
Friday, January 17, 2014
The Truth is Still a Lie - Vintage Sizing and the Modern Image
The fun bit about this pearl of wisdom is it is true. Marilyn (at her biggest) was a size 16. That is she was a 1950's 16.
To illustrate my point I have made the following collage of pictures taken from a vintage pattern I have from 1957.
Wednesday, January 15, 2014
Skirts Loaded to 50%
As you can tell in the end I didn't cut and sew all in one big process line and instead heeded the word of my husband who told me to make one first to be sure the size is correct. You won't hear this very often but he was right. The skirt on the right (white) is about 8cm to small. An anomaly I can not fathom given that I am using the exact same tracings as I used for another skirt that fits perfectly.
In any case due to my generally lazy nature I didn't resize the pattern (I had already gone through that to get the original 28 inch waist to a more reasonable size to fit me and I didn't want to do that all over) instead I did the only sensible thing.... I took half a cm off the seams on the second one... with 8 seams and 2 pattern pieces per seam that netted me the 8cm I required to get the thing to fit somewhere not under my bust.
On that note whist I did the only SENSIBLE thing, there was a point in the trying on phase that another solution came to mind. That being to add suspenders and pretend it was always supposed to sit that high, alas it was not meant to be. The fact it is too small is not to much of an issue given that at the moment I am on a diet and trying really hard to lose weight.... about 30kg would be nice but I'll take whatever I can get for now. If I can lose about 10-15 I should be able to fit into all my old dresses which will be most exciting.
The second skirt (orange) fits fine, so I will be continuing with the sewing them with 1cm seam allowance and not resizing. I have cut out the strawberry one which shouldn't take more than a couple of hours to complete and then I have two more to go. I can't get them done quickly enough to be honest there is a massive heat wave in Sydney.
And now for a moment of parental pride, I am adding a picture of my sewing buddy who dutifully kept me company for the frustrations of these skirts. My Baby Odin the best dog in the whole world.... anyone else have a sewing buddy to vent at when unpicking is called on?
Sunday, January 12, 2014
Shiela's Dress
I decided that the challenge of making a dress for Shiela would not be to hard given the time and budget, it doesn't hurt that as a personal trainer she is fit and has a figure you could hang a sack off and it would look great. Having said that the project did not go without some detective work.
Firstly I had to ascertain her favourite colours. By deviously questioning her on her outfit one day and her thoughts on the colour pink she told me her favourite colours were yellow and blue. I went on a trip to Cabramatta where all great fabrics are hiding and managed to pick up a Japanese polyester crepe for $6/m. It wasn't blue and yellow but rather a pastel stripe that had blue and yellow in it but I fell in love with it so close enough right.
Secondly I had to select a pattern. I had originally thought of going with a 50's style but having found the fabric I knew it was going to have to be more a 70's style dress - which probably was a safer bet as lately Shiela has been right into the Maxi dress. I remembered a pattern I had at home. I had bought it way back in 2006 as a possible "leaving outfit" for my wedding but got to busy to make anything. It had been sitting around unmade for years as I realised when I had gone to make it that the open back and drappy nature of the style would certainly clash with my large bust and requirement to wear a bra at all times to restrain the girls.
Lastly, and this was my most devious trick of all I had to find out what size to make. I casually asked her if she would wear a dress I had made once but never fit into (see the perfect dress) and brought it in for her to try on. Lucky for me it was a perfect fit AND had a hole in the side. I brought it home and put it on Mavis, twisting her dials until I had it fitting her. I now had sheila's size based on the measurements of Mavis. Crafty little cat I thought as I began to cut out the pieces of the dress.
As you can see in the picture below the material has a stripe to it, a very very obvious and multicoloured one. So I painstakingly lined up the pieces on the fabric so that these would match then cut. Now here is where you learn that I am used to working with one sided fabric. When sewing together I made the skirt pieces and then the bodice in it's entirety.... clipped i seams and all - only to discover that I had flipped my top pieces. Being late at night I instantly went into meltdown and decided that as I had already cut in there was no going back. I was half way round joining skirt to bodice when I realised I could just swap the skirt pieces. I put it aside to finish the next night realising my brain was beyond thought when it had taken me that long to work out that simple a solution.
So unpicking occurred and the dress was completed well in time frame with the lines neatly matched up, which I am sure you understand gives a much more professional finish. And the line ups were my only mistake... well that and sewing a button hole for the belt to go through onto the bodice back through 4 layers of material.... lesson learnt, unpicking buttonholes is the suckyest of all unpicking.
As a side note the whole thing is lined in cotton (white) that is part of the stash for just that reason... sometimes you just have to line things.
So the update is now in - Shiela has the dress and really likes it - however she has noted that she would like the back to be split as her natural stride reaches the limit on this one. I have promised to make the amendment.... yes more unpicking.
Thursday, January 9, 2014
Projects for the Upcoming Stash Blitzkrieg
8 Gored Skirts
I have 5 meters of rayon (1m each type) and I am going to make 5 of these 8 gored skirts from a 1940's advance pattern 3287.
I have made this skirt 3 times before and am close to perfecting the fit but the pattern is just lovely - especially in the soft floaty fall of this rayon ($4/m). I used a lot of rayon to make skirts to travel around Italy with due to the not needing to iron and fell in love. Actually I already have one in the same pattern as the orange floral but red.
Hopefully I will be able to process line these and will therefore have all of them done saturday night. Which reminds me I had better call into spotlight for zips and buttons.
Skull Dress
Sorry the pic for this is a little smaller but the square allowed a better view of the fabric that I picked up of Ebay. total cost was about $50 for 3m including all postage. To be honest the fabric photographs better than it looks in person but I still really like it. I don't have anything else like it that's for sure.
Whether I manage this as part of this Blitzkrieg or not is questionable because I am unsure if I have enough material to do it, and because I need to find a green to accent it with if I don't. It may also be put in the when I have lost a little weight pile. Dropping a size could cut .5m off what I need by this pattern, now there is weight loss incentive.
Childs Play Clothes
All around me friends are having babies, recently some are even having girls which means I can make cool things for them. This one has been on the to do list ever since we got back from Italy and being so small I doubt it will take too much time so I am including it in this blitz.
Pattern is an old one, 1960's by my mothers guess and of a mail order variety so I am not certain of the company but I think its really cute (size 2 but kids do grow right)
The material is quilters cotton picked up on sale probably about $6 for the pattern and $5 for the plain. I will do the top patterned and the pants plain.
So there it is 3 projects (well 7 really) and more to come. I figure if I put the info up here I will remember what material goes with what pattern which should be useful in clearing things out.
Wednesday, January 8, 2014
The Mighty 50's Avengers
The basic costume idea was to create a visual of the avengers using a pattern of a 1950's dress. The pattern chosen, Butterick 5603, is a reprint from I think the early to mid 50's though the butterick website is not being very helpful and I am in no way inclined to leave my bed and check the envelope. It is universally flattering, with 3 choices of neckline and the easy fit and flare shape. As you can tell by the picture this was quite important as we are a mutli-shaped bunch.
In terms of the pattern I have no complaints, I had made it previously (which I will cover if only to put up pictures later.) We ended up using all 3 of the necklines though only I chose the boat-neck.
So to make this quick I will go through each "avenger" and the things done.
(left to right)
Hawk Eye
This dress was interesting, what the wearer didn't tell me was that she was pregnant and not yet ready to announce so when the first fitting was done it was a little tight on the waistline. I had to fix it by unpicking from under bust to flare and sew with a 1cm seam allowance at that part. The dress was done in colour blocking and has a hawkeye symbol on the front.... well most of one - She was responsible for that and she only got the two circles and missed the cross hairs.
We used colour blocking on this too a little around the waist and then did bias neckline and the hem. The wearer borrowed a chest piece to complete the outfit.
Captain America
This one was a doozy - we had to shorten the waistline to fit the wearer and then break it into stripes which then had to be cut in the correct colours and pieced back together again in the right order. On top of that the stars required no only cutting out but applique to attached them... They go all the way around the hem and there is one on center back and front (the back was a mistake but not a bad one). Lucky for me I didn't do the applique - Ironman did
Hulk (ange)
Purple and acid green looked awesome together. This one also has the same crossfront as Ironman. It is green bodice then purple skirt to which we added green goddets. In hindsight I think I should have diamond pieced the bodice to the skirt but time was a factor.
Thor (me)
Obviously I have a lot of extra effort for my dress - and lucky for me I had Ironman to do the applique of the front swirls. I also did a hem of light grey that has a piping of maroon. Originally the caplet etc was to be red but we found that the bright red just didn't work with the grey so I went and got more maroon. The caplet comes from a 1940's pattern but I think worked well in this setting.
All of them were made for under $20 using poplin I picked up at $2/m in Cabramatta, sure it isn't the best quality but a costume is a costume and the price was so right.
A big thank you goes out to my girls all pictured for their help and also to my friend Gav for the hammer.
Tuesday, January 7, 2014
Is Organisation the key to success?
Patterns are in boxes, and material is all away and now I can start planing my next stash bash. In that vein I have started to create photo files on my computer in an effort to try and recall when needed all the different fabric packets that I have. So in my next post I will put up a few matches that I have already made. More as a reminder to myself of the projects I have to get round too.
My husband is now on my back about how long I think the material I have will last, given that some of the stuff I have is stuff I got at least 5 years ago, I think that I can safely say that his guess of 1 year is rose tinted at best.
To start however I will be making very uninspired but much needed skirts and tops with the multitude of small meterage fabrics I have. I know it won't burn a lot of meters in my 50m goal but it will get rid of some packages very quickly and truth be told I could use them.
I am still trying to pick a bigger project - I am thinking the double breasted jacket (1960's style) in blue velveteen though it seems like the wrong season. Perhaps I should look into that this year too - is sewing like gardening - when do you make your winter/summer stuff?
Well it is now late so I will head to bed and catch up later.
Monday, January 6, 2014
The New Years Update
Rather than attempting to catch up on projects – which is something I may do at some point I am thinking this year to just try and move forward and update as I go on each project I am completing. First up for 2014 is 5 skirts that are in all ways identical bar the pattern of the fabric. I made a couple mid last year for my trip to Italy and I loved them (iron free rayon is worth all the slippery slidey issues in the sewing stages). I also have a multitude of more major projects to get through – in fact stash mountain has been estimated now to hold over 400m of fabric.
I know this because last year I had the brainwave to clear it up a little. I got all my fabric and packed it into individual bags labeled with a type and size for easy reference. To be fair it took a long time to do but it saved me a lot of space and has made it easier to scroll through what I have in the draws…. Cupboard…. Boxs…. And shelving. The only material I did not bag was the stuff that was bought in a spotlight sell out on the bolt – they live in my cupboard. So whilst I know I have a LOT of velveteen in green and brown I am unsure how much in reality that is. I have decided that the next step is to photograph each bag so I can just scroll through the pics on my computer rather than in person but who knows when that will happen.
I still have to finish my pattern catalogue – which will require me to scan the front of every pattern and import the picture with all the details (already in a spreadsheet) for all 300+ patterns I own. I can then print out these pages and put them in a binder. I figured this would be helpful because a lot of my patterns are vintage (dating back to 1930's) and therefore the paper is a little tender and the continual flicking through to try and find what pattern I want to use is taking its toll.
This brings me to a question – how do others store there patterns? Mine are currently (and painstakingly) placed in zip lock bags (I know its like an addiction to put everything I own into a its own little baggie). I order them simply as to their date of issue (either by finding it on the pattern, on vintage pattern wiki or by guessing based on style if neither of these work) and I have boxes for 30's and 40's, 50's, 60's, 70's – modern. On top of that I also have boxes for costumes, fantasy costumes (yes I have enough that they warranted there own box), and historical costumes. Every one of the 7 boxes is bulging and I am thinking it may be the right time to find some other solution to my storage problem.
Last night I went about cleaning and tidying the hovel that is my sewing storage room (not really a sewing room since I sew in the lounge room and just use this room to pile all my sewing junk) and came to a sad but true conclusion. I won't be able to make most of the patterns I own – not ever. Yet I can't bare to part with them. Even the ones I don't like that much anymore, have never made and are sized for a 10 year old. (apparently people used to be really really small). Still I hoard my precious patterns for Justin (just in case). Given the number and age I would say I have well over $1000 sitting in patterns that will never be used. Oh well it isn't like this is not the way my mother raised me, hording of sewing stuff is in my blood.
In anycase I now hereby officially anounce the 2014 Stash Mountain Blitzkreig. It will be lasting for a full 2 months ending on Feb 2nd with a meterage goal of 50m. Wish me luck.


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Today I'm talking about Mercury. (Can you see a running theme? – crazy!)
The closest planet to the sun, Mercury basically resembles our own moon in that it is mainly cratered with regions of smooth plains has no natural satellites and no atmosphere. Being so close to The Sun Mercury only takes 87.969 earth days to orbit it fully unlike Earths 365.3, it is also the smallest planet in the solar system and has the smallest axial tilt.
We don't really know that much about Mercury as you can only see an illuminated crescent when looking through a telescope, however we do know that it has a core of iron which generates a magnetic field about 1% as strong as the earths. This large iron core makes the planet incredibly dense. The surface temperature of Mercury varies from -183 °C, at the bottom of its deepest craters near the poles and 427°C at its subsolar point, its mean temperature being 169.35 °C. So all in all a pretty inhospitable planet! Still at least its named after the roman god of trade… And he had wings on his hat!
Tags: awesome, cool, earth, education, get, like, Mercury, other, planet, Science, stuff, tagging, The solar system, to, views, world, yeah


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Community members, students and staff helped raise nearly $2,000 for the Penn Manor Family First Fund while having a blast Saturday at Manor Middle School's eighth annual Family Fun Fest.
The event featured a talent show, crafts, face painting, engineering competitions, raffles, games, food sales and a dunk tank. In addition, local community groups and police and fire departments shared information and showed off their gear, including fire engines, an armored emergency vehicle and a Lancaster city police horse.
Attendance at this year's Fun Fest was the highest in the event's history, said Manor MS principal Dana Edwards.


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- Sliding triangle top ties at neck and back
- Removable padded cups
- Regular panty bottom for more coverage
- Fully lined top & bottom
- Firefly rubber badge on panty
- 80% Polyamide /20% Elastane
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Welcome, New Readers!
Gary Wolf
April 28, 2010
Here are some helpful links if you are new to this blog. QS is a collaboration of users and tool makers interested in self-knowledge through self-tracking. For more on this, go to our About page.
Along with posting to this group blog, we hold regular "Show&Tell" meetings where you can hear short, interesting accounts of self-tracking projects, or present your own experiments and results. There are active groups in the Bay Area, New York City, Boston, and Sydney (Australia). The links in this paragraph will take you to the appropriate page on MeetUp.com, so you can sign up for advance notice of meetings.
No Show&Tell in your city? Read this: How to Start Your Own QS Show&Tell
The links below are a good way to sample the blog and get a sense of the range of things we talk about.
Bay Area QS Show&Tell meeting described
New York QS Show&Tell meeting described
The false god of coffee (Robin Barooah's caffeine experiment)
remarkable life logging project by Ben Lipkowitz
as self-tracker – Bob Graham's notebooks
happened to my brain? (Seth Roberts' cognition experiments)
quantified tennis serve
Everyone is welcome. If you track yourself or are interested in the
idea, please join us!


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On 11 Feb. 2013 his Hon. Judge Patrick Curran QC granted us permission for a judicial review of Herefordshire Council's decision to permit Bolsterstone to vary the conditions relating to their planning permission for Reeves Hill Wind Farm. The variation of conditions was to allow them to alter the site entrances from oblique to right angles (see post of 18 Dec. 2012 below).
In granting this permission, Judge Curran linked this case to our application for a judicial review of the Council's decision to grant planning permission to Reeves Hill Wind Farm. Our application for a JR of the wind farm decision will be decided at an oral hearing scheduled for some time after 11 March 2013.