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Why a Living Will is Important
Why a Living Will is Important
A living will lays out your preferences for life-sustaining medical treatment. It is often accompanied by a health-care proxy or power of attorney, which allows someone to make treatment decisions for you if you are incapacitated and the living will does not have specific instructions for the situation at hand. "Living will" and "advance directive" are often used synonymously, but a living will legally only applies after a terminal diagnosis, whereas an advance directive is much more comprehensive and includes the health care proxy.
As of 2017, only around one in three American adults had an advance directive for end-of-life care prepared. Those who are older than 65 are more likely to have an advance directive prepared than those who are younger, as are those have chronic illness more likely than those who are not. People may be unwilling to prepare these documents because they fear that they won't necessarily reflect their wishes at the time they become relevant; sometimes patients become more willing to undergo treatments they rejected when they were younger as they age and develop medical problems. However, the documents can be changed as long as they are witnessed and potentially notarized (depending on current law). And if you continue to communicate your values with your proxy, they can make decisions based on your most recent preferences.
So why is a living will important? It reduces ambiguity which can prevent family disputes during what is already a difficult time. It may seem like something that can be put off, but life is unpredictable; one never knows when these documents could become relevant. Furthermore, it needn't be a hassle. A living will is a straightforward document, however it's important to work with legal counsel to make sure your beliefs are properly stated. Other health care documents should also be prepared at that time, like a health care power of attorney that designates a person to make health care decisions for you if you are unable. Once you have signed any documents make sure you keep them updated, especially if you change states, and be diligent in communicating with whomever you named to act on your behalf.
If you need a living will or health care power of attorney or already have one that you would like reviewed, give us a call at 1.800.660.7564 or email us at firstname.lastname@example.com.
Read more at:
- https://www.washingtonpost.com/national/health-science/even-healthy-people-need-a-living-will-but-many-people-dont-want-to-think-about-it/2017/08/04/121f99ac-76d3-11e7-8f39-eeb7d3a2d304_story.html
- https://www.fiftyplusadvocate.com/2010/05/26/7-important-things-to-know-about-living-wills/
- https://www.hrc.org/resources/living-will
Understanding Gift Taxes
Understanding Gift Taxes
Now that we have passed into a new year, many people will begin to think about making gifts to children and grandchildren in addition to holiday gifts just given. These are typically larger gifts of cash or marketable securities. When we make a gift of something to someone else, that is what is called a "gift taxable transaction" – meaning someone has to pay a tax on the making of that gift. So who pays the tax, and how much is the tax is the subject of this blog post.
The one who is making the gift is often referred to as the "donor." The "donee" is the person receiving the gift. Any gift taxes that may have to be paid upon making the gift are always paid by the donor, not the donee.
The gift tax is simply a tax on the transfer of assets, cash or property, to another without receiving something of equal value. The asset has to be of a certain value for the tax to apply; otherwise, it falls under the gift tax exclusion, either annual or lifetime. If the gift is above a certain value, you will have to fix out a tax form, but you may still be able to avoid the tax.
The value is based on the IRS definition of "fair market value." If the asset is cash, then the calculation is straightforward: it is what it is. If the asset is a house, then its value is what someone would pay for it if neither buyer nor seller was under duress to commit. And some things which seem not to be gifts on their face may nonetheless be considered such by the IRS, for example, casual loans to friends and families, or naming someone other than a spouse on a bank account.
The annual gift tax exclusion in 2019 and 2020 applies to assets up to $15,000 in value. It is counted per recipient, meaning you can give up to $15,000 to however many people you like without having to file a gift tax return. It is also per person, so you and your spouse could give up to $30,000 per year without having to file a gift tax return. Note that gifts between spouses are unlimited and don't generally trigger a gift tax return and that giving money to a nonprofit is a charitable donation and not a gift. Finally, the person receiving the gift usually doesn't have to report it.
The lifetime gift tax exclusion is how you avoid the tax, even if you give more than $15,000 per year and have to fill out the form. The gift tax return keeps track of the amount you have given. In 2019, the lifetime exclusion was $11.4 million; in 2020, it rises to $11.58 million. As with the annual gift tax exclusion, the lifetime exclusion is per person, so married couples can exclude twice the gifted amount.
The tax only applies once you use up not only the $15,000 exclusion but also the $11 million-plus exclusion. So if you gift someone $50,000 one year, that counts as $35,000 against the lifetime exclusion. If you do manage to use up your exclusions, the rates range from 18% to 40%, paid by the donor.
However, there are exceptions and special rules for how to calculate the tax, which can be found on IRS Form 709. These apply to things like college tuition and medical bills by allowing you to spread one-time gifts across multiple years' worth of gift tax returns, or to pay the institution directly to avoid the gift tax return requirement.
If you have questions or would like to discuss your personal estate plan, please don't hesitate to reach out by calling us as 1.800.660.7564 or by emailing us at firstname.lastname@example.com.
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The SECURE Act of 2020
The SECURE ACT of 2020
Congress has passed a bipartisan appropriations bill. In the contents of this spending bill is a piece of legislation known as the Setting Every Community Up for Retirement Enhancement Act (SECURE), the first significant change in retirement legislation since the Pension Protection Act in 2006. The President signed the Act into law on December 20, and its effective date is January 1, 2020.
The impact of the SECURE Act to some retirees, near-retirees, and their future beneficiaries is profound, and it is imperative to schedule a review of your retirement, estate, and trust plans. Failure to act on the changes brought forward by the SECURE Act can create substantial tax burdens for some beneficiaries and even the possibility that they become locked out of their inheritance for a decade.
One of the most important provisions of the SECURE Act to understand is the removal of the stretch IRA required minimum distribution (stretch RMD). In essence, the removal will act as a tax revenue generator. This change means many Americans will face a tax increase as non-spouse beneficiaries must spread withdrawals over a maximum of ten years and not the lifetime of the account holder. The removal of the RMD for stretch IRAs is going to create significant problems for certain types of trusts, like the "see-through trust," that were written before the SECURE Act. Previously, a see-through trust allowed an individual, upon their death, to pass retirement assets of their IRAs via a trust to a chosen beneficiary. If the trust is not updated to match the current SECURE Act language, there could be restrictions in accessing funds to the heirs, which may cause massive tax liabilities down the line.
Annuities are also affected by the SECURE Act as the legislation will ease restrictions to include them in consumers' 401(k)s. While this is a positive for lifetime income, the bill also lessens and even removes some of the fiduciary requirements to vet insurance companies and their financial products before allowing them into your 401(k) plan. This change, coupled with a reduction in overall standards the SEC imposed earlier this year, creates an increased likelihood that consumers could experience negative consequences from poorly designed financial products and the possibility of insurance company failure.
According to Forbes, there are eight significant ways the SECURE Act will impact your retirement plans. They include an increase in ability for small employer access to retirement plans, an increase in annuity options inside of retirement plans, an increase in required minimum distribution (RMD) ages, and the removal of age limits on IRA contributions. There is also a tax credit to encourage automatic enrollment into retirement plans through small employers, penalty-free distributions for childbirth or adoption, lifetime income disclosure for defined contribution plans for transparency, and the removal of stretch inherited IRA provisions.
It is imperative as an individual to be responsive to the changes this proposed new law will enact. Currently, estate attorneys, CPAs, and financial advisors are receiving additional training to understand the long-term tax implications of SECURE Act provisions. For those affluent retirees, Kiplinger advises there are five things you can do immediately to respond to the SECURE Act. The first is to delay your IRA distributions if possible, and continue to save but perhaps not in an IRA. Also, consider paying taxes BEFORE your children inherit your IRA. Talk to your financial planner, tax advisor, and revisit your existing estate planning documents to make sure the plans don't compromise any existing IRAs that will be passed on to your beneficiaries.
The overall implications of the SECURE Act to your retirement and your estate plan are numerous. Give us a call at 1.800.660.7564 to discuss how we can help make sure your retirement assets pass with as few tax consequences as possible – or email us at email@example.com.
Gray Divorce is Destroying the Finances of Older Americans
Gray Divorce is Destroying the Lives of Older Americans
Americans aged 50 or more are experiencing gray divorce more than ever. The term gray divorce generally refers to the baby boomer generation and affects all classes and education levels. Research shows that splitting during middle age is particularly damaging to your financial well being. According to Bloomberg News, the US divorce rate for couples past the age of 50 has doubled since 1990 and occurs most often in people who have married and divorced more than once. The rate of divorce among remarried individuals is 2.5 times higher than those in first marriages. And the financial outlook is usually the bleakest for those who have married and divorced more than once. Losing accumulated wealth for a second or third time can ruin personal finances on an unprecedented scale.
As such, relative wealth can be a protective factor in keeping couples together. Midlife marriages are not always torn apart by empty nest syndrome or a late mid-life crisis. Often, divorcing couples are already experiencing financial problems due to unemployment or job insecurity. These couples may not have the resources to enter into marriage counseling and may not see the point in fighting to remain in an unsuccessful economic partnership. Married couples with more to lose in divorce will often keep a less than perfect marriage viable to protect a lifestyle they are unwilling to forfeit. These couples will often live separate lives but maintain the economic structure within the marriage.
Susan Brown, who is co-director of the National Center for Family & Marriage Research, explains that if you are getting a divorce after the age of 50, expect your wealth to decrease by 50 percent. Brown goes on to state that the depression rate for those experiencing gray divorce is higher than the levels of those who have experienced the death of a spouse. If you are a woman and going through a gray divorce, expect your standard of living to plunge by 45 percent compared to a man's 21 percent. One of the biggest financial tragedies of gray divorce is there is no appreciable window of time to recover the wealth you lost. The event horizon of your life is shrinking, and there is no time to undo the financial destruction. Even qualified career individuals will find ageism is rife within the corporate hiring sector. The prospects for landing a great new job or winning a lottery are very bleak. Statistics show you will be most unlikely to recoup your previous standard of living. This fact is particularly true in the case of women aged 63 or more who, in part, are experiencing poverty rates of 27 percent because of gray divorce. The Journal of Gerontology projects that by the year 2030, more than 828,000 Americans will be divorcing each year even if the gray divorce rate stays the same.
What to do if you become a gray divorce statistic then? One of the best ways to recover is to re-partner. Many older people are looking to re-couple and the digital age is providing more ways to meet than ever before. Online dating sites for older Americans are popular as are the more traditional senior community centers to make connections to like-aged people. If you choose to remain un-partnered however, you can expect to take about four years to end the depression cycle of gray divorce. However, remarrying or re-partnering will end the depression almost immediately with the stipulation you have chosen your partner wisely. Generally, re-partnering is more successful if you are a man since they tend to look for a partner who is significantly younger than themselves. As women live longer than men and because men do tend to seek younger women, older women are left with a vastly smaller pool of potential partners.
Protect your well being and financial interests from gray divorce. Your best hope is to stay successfully married and continue on the path of building wealth and enjoying retirement years. If you find yourself going through a gray divorce, be sure to seek trusted legal counsel who can best advise you on how to protect your assets and future retirement years. Whether you are on your first, second, or third marriage take a look at how best to protect your financial picture in the event gray divorce happens to you. Contact our office today and schedule an appointment to discuss how we can help you with your planning. Call us at 1.800.660.7564 or email us at firstname.lastname@example.com.
Everyday Devices that can be Hacked
Everyday Devices That Can Be Hacked
The internet of things (IoT) is responsible for many conveniences via embedded electronic devices, and many seniors are making use of these technologies. It is becoming increasingly common for everyday items like refrigerators, thermostats, and doorbells to be internet-connected making our homes and personal information subject to hacking. A hacker will subvert computer security for malicious purposes. Seniors who employ IoT devices for safety and convenience may be less wary of all the ways their devices can be compromised. If you are a senior or have a loved one who is, it is imperative to have them, or a trusted friend, update software from device manufacturers and routinely monitor their devices.
A Smart TV provides many hacking opportunities. The problem can be an annoying prankster blasting the volume control, switching channels, or even ordering movies you did not select. Or the hacker can also compromise your security and safety as your Smart TV is a gateway to other internet-connected devices in your home. TV apps can be data mined for credit card payment information since many manufacturers reuse default passwords, and users neglect to change them. Even companies who sell Smart TVs are now post-purchase monetizing the Smart TV by harvesting your information via data collection and using it for advertising and direct sales of entertainment to the consumer.
Digital Thermostats are a great way to keep heating and cooling costs down. However, a hacker who takes control of your thermostat can crank up the heat or cooling until the owner pays a ransom to regain control of the device. An older person can experience health consequences due to extremes temperatures as well as the anxiety and fear it breeds. Baby monitors are often connected to your home's Wi-Fi network for the convenience of a mobile app to check the display at any time. Many homes use these monitors for seniors instead of small children. Typically, people do not change the default password on the monitor, meaning that it is visible to the network. A hacker can scan transmitting internet protocol or IP addresses (numerical labels assigned to every device that connects to a computer). Once they have your IP data, they can find the baby monitor and watch you or your loved one at any time. For better protection shop for baby monitors that are made to be invisible to scans. If you have a Samsungsmart refrigerator, it can be hacked. The wiring in the fridge leaves the new owner's Google login credentials out in the wild for a hacker to grab and then infiltrate your home's IoT devices.
Smart cameras have vulnerability issues allowing a hacker to remotely access audio and video feeds. Be sure to keep track of all of your IoT devices that are network connected. Actively seek out all software and firmware updates for maximum protection against hackers. Smart voice-activated speakers like Alexa, Google, Echo, and many more open up every conversation you have in your home to be monitored by a hacker. Without even being aware, you can divulge sensitive information like doctor appointments, luncheon dates, and upcoming trips. Even your bank account and credit card information can be compromised. If your home security system is connected to your voice-activated speaker, a hacker can turn it off and enter your home.
Even pacemakers are subject to hacking however improbable that might seem. Anyone with bad intentions toward you can remotely change the pace of your heartbeat, which can even result in your death. Implanted medical devices, in general, are now subject to more stringent controls that use code to secure data and instructions in these devices and monitor them in real-time. Talk with your medical professional to know that you are protected against medical hackers.
Default passwords need to change in order to protect your devices from hackers. Most internet-connected devices have simple default passwords, and a search run on the name brand of a device will often yield the manufacturer's default password. When you change your password, make it very strong, and use unique passwords for each device. Out of convenience, many seniors will use the same password for everything. In this case, if a hacker gets into one device, they can be in all of them if you do not use different passwords.
Cell phones, home Wi-Fi routers, and even landline voicemail are susceptible to hacking. Inexpensive signal-proof cases are good to use for protection when you are out in public. It is possible for a hacker to clone your phone in seconds while standing next to you and they will get everything you store on your phone. Home Wi-Fi routers must be up to date on all software and firmware, and a unique, strong password can help protect you from hackers. Once a hacker gains access, all of your devices connected via the internet of things have been compromised as the router is the nerve center of your digital footprint. Many seniors still like to have a landline telephone and its associated voicemail. Passwords to access voicemail must be very secure, or a hacker can listen in to your conversations as well as delete potentially important messages.
All senior grandparents love pictures of their family to be proudly displayed. Picture frames that are digital and allow you to scroll through photos or change an art display with the swipe of a hand are vulnerable. If your frame becomes hacked, a thief can discern non-active times in your home by the frame's ambient light sensors and can plan a robbery while you are away.
Garage door openers are also able to be hacked if you have a newer smart version device. A hacker can monitor garage door activity and identify times when you are not at home. It is very convenient for a burglar to avoid encountering people during a robbery. Be sure to update a manufacturer's default password setting to something difficult to break, and a would-be robber will move to an easier target.
Cars and Self-driving cars can be hacked. It doesn't take a lot of equipment to break into and start a vehicle, even disabling the alarm system. Car thieves now employ sophisticated hacking technology, especially when they must bypass the electronic anti-theft systems. If a self-driving car is hacked, the attacker can take direct control over the throttle, brake, and steering while remaining anonymous as to their identity and location creating a very dangerous scenario.
Convenience comes at a cost to your privacy when using the internet of things. Taking the necessary steps to protect your devices from hackers is of paramount importance. Once secure procedures are in place, it is crucial to monitor for suspicious activity that can lead to robbery, electronic banking theft, and more. Taking control of your internet-enabled devices is essential to protect your home and your strategy for aging successfully. No one wants to be victimized by unwanted hackers. If you have questions or would like to talk about your legal needs, please don't hesitate to contact us by calling at 1.800.660.7564 or by emailing us at firstname.lastname@example.com.
Gen Xers Retirement Planning and Longevity
Gen Xers Retirement Planning & Longevity
As Gen Xers enter into their 40s and 50s, it is time for them to become active in the creation and execution of their retirement planning. There are many things to consider, including finances, investments, insurance policies, legal documents, living arrangements, and healthcare. It is advisable to make a detailed checklist within these categories and take action on each item. Meeting with an attorney can help you establish overall goals for your retirement and legacy planning while ensuring the steps you take will lead you to retirement success.
With regards to longevity, things may not be what they seem in the United States. While the world is experiencing an increase in life expectancy, Americans have seen a life expectancy decline for three years in a row. The Center for Disease Control and Prevention (CDC) considers this a worrying trend. Assessing life expectancy based on these CDC numbers using their traditional approach is just one part of the equation for Gen X retirement planning because the statistic is derived from birth years while retirement years are calculated from age 65 and beyond. Yes, some Americans are living until the age of 100, and fewer are having heart attacks in their 50s because of prescription medications; however, according to the Smithsonian Magazine, there is "no large extension of adult lifespan in old age." Making a reasonable estimation of your life expectancy is crucial as it affects planning for how long retirement will likely be and the amount of money needed to cover associated expenses.
MDVIP Health and Longevity Survey reveal that more than half of Gen Xers want to live past 90 years of age, with some wanting to make it to 100, and yet, nearly half have not had a comprehensive medical exam in the past five years. One-third of Generation X avoids going to the doctor at all out of fear of finding something medically wrong. Two-thirds admit they could be doing better when it comes to regular exercise, eating healthy, maintaining a healthy weight, and managing stress levels. There is good news, however. Generation Xers have a reasonable amount of lifespan left to identify changes that need to be made and implement them. Barring an unforeseen accident or illness, time is still on the Gen Xer's side to make their retirement a success story.
The face of retirement has changed. The vision for most retirees is a full life bustling with activity and interpersonal relationships. Semi-retired is how many prefer to see their goal. There are many excellent reasons to keep working beyond age 65. Continuing to earn an income from work is great for health reasons and economic reasons. Generation X will further test the solvency of social security benefits after most of the baby boomer generation will have stressed the federal program to its limits. Staying productive and useful are key elements to financial well being, happiness, and long-term health. Entrepreneurial pursuits and consulting are more accessible than ever with the advent of the World Wide Web online community. Try pursuing or inventing a new career, perhaps something you have always dreamed about doing.
Joint life expectancy, whether married or not, is an important consideration when planning for and working toward retirement goals. According to the Vanguard Group, a heterosexual Gen X couple where both partners are age 50, the female partner has a 50 percent chance of reaching 85 years of age while her male counterpart only a 38 percent chance of reaching that same age. Since the couple is most likely to pass away at different times, factoring in the longevity of the surviving partner is crucial to planning. When extending longevity retirement scenarios understand that what is discretionary spending for fun in your 70s and 80s may shift to cover increasingly extensive medical aid and expenses in your 90th decade and possibly beyond. A financial planner can help you to create scenarios that will accommodate repurposing of monies.
We welcome the opportunity to work with you on your retirement goals to help create a legal plan that supports those goals. Email us at firstname.lastname@example.com or call us at 1.800.660.7564.
A Guide for Elderly Parent Care
A Guide for Elderly Parent Care
Aging is something you cannot escape, and it affects all family systems. It can be challenging for adult children to imagine their parents as seniors and to understand and respond to the reality that each parent will age differently. Even if you are in the fortunate circumstance where your aging parents can go it alone for a long time there will come a day when assistance or long term care will be needed. There are things to consider as you help your parents live their best possible aging scenario. Managing their welfare takes time, research, and planning.
Your parents and their abilities to remain independent are most easily defined by activities of daily living and instrumental activities of daily living (ADLs and IADLs). Activities of daily living address daily functional mobility like getting in and out of bed or a chair, self-feeding, bathing and personal hygiene, the ability to use the toilet, and the ability to get dressed. These are essential daily living requirements that promote dignity and physical as well as emotional well- being for your elderly parents. If your parents are having difficulty managing these ADLs, it is an appropriate time to find help for them whether it is you or another qualified caregiver.
IADLs include all ADL activities and more. The additions are grocery shopping and cooking, medication management, laundry, and other housework, bill paying and finance management, using a telephone, and driving or using public transportation. Recognizing your parent's limitations in any of these categories is a sign that you need to develop a care plan that provides appropriate assistance. The degree of change or sometimes multiple changes is an indication that staying at home may no longer be appropriate and safe for your parent. If you require assistance in determining suitable care needs, you can set up a comprehensive geriatric assessment by a medical professional. Take an honest look at the stage of life your parent is experiencing and then find the support and help they require.
Your aging parents' geographical location is critical to consider as a family. Families are fortunate when one adult child lives nearby and can ensure their parent's well-being. Video chat either online or through a phone application is one way to daily check on a parent. A friend may live close by and can do wellness checks and provide information about behavioral or health changes. If none of these options are viable, it may be time to discuss the idea of your parent(s) downsizing into another more supportive location and living arrangement.
Having this discussion is best before a parent's adverse health event. Making residential changes without a previous plan in place can negatively impact on the parent, especially when experiencing a health care crisis. When aging at home cannot be appropriately managed, it is time to consider the alternatives. These alternatives may include independent living communities, assisted living communities, nursing homes, or living with a trustworthy and capable relative or family member.
All of these assessments and changes in your parents' lives impact their financial outlook. Making necessary residential changes can often be very costly, and your parent may need additional financial support from government or community programs to offset the difference in expenses. It is critical to take advantage of all possible financial help. As an adult child, you may have to begin managing their finances and retirement funds more actively. There are various federal, state, and non-profit groups that provide free tax assistance for seniors.
Some of the better organizations to help you navigate what is available are online and include Benefits.gov, Area Agency on Aging, and Benefitscheckup.org. These groups can help you assess the best strategies for housing, healthcare, financial assistance, legal aid, transportation, in-home services, prescription drugs, energy and utility support, and nutrition. BenefitsCheckUp is part of the National Council on Aging and is considered the nation's most comprehensive online service for seniors with limited income and resources. The information available canvases all 50 states and the District of Columbia.
Caring for your aging parents should not be the job of one family member. The commitment should not be a burden, and responsibilities should be shared. Look for caregiver support organizations and forums as well as involving all family members. Everyone should do their part. The goal is to find the best blend of options and resources to allow your parents to age happily and well. Your parents' health changes require that programs and opportunities change too. Caring for your aging parent is a dynamic process that must be retooled as their needs change.
We help families who are trying to navigate the maze of long term care either for themselves or for an aging parent. Please give us a call so we can discuss your particular needs at 1.800.660.7564 or email us at email@example.com.
The Link Between Diet, Exercise and Alzheimer's
The Link Between Diet, Exercise & Alzheimer's
Concerns about your memory or that of a loved one should never be ignored. There are many resources available through a simple internet search, and professional associations that provide education and guidance through a maze of questions you may have regarding how to approach someone you suspect may be experiencing memory loss, or how to ask for help if that someone is you. There is even a free online memory test you can take in the privacy of your own home.But, did you also know that through many years of research, there is a link between diet, exercise and Alzheimer's disease? It is never too late to start making proactive changes to your diet and lifestyle now to help lessen the risk of developing Alzheimer's. Even if you have been given an Alzheimer's diagnosis, a study published in late October by Alzheimer's & Dementia: The Journal of the Alzheimer's Association, noted that it is possible to improve cognition with modifications to diet, exercise, and sleep.
This study, summarized by the Wall Street Journal, acknowledged that the methods tested would not prevent Alzheimer's, but through their findings, healthy individuals, as well as those with mild cognitive impairment who followed personalized recommendations over the 18 months of the study, did show improvement in cognition.The study included 157 participants who varied in age from 25 to 86 and who all had a family history of Alzheimer's.A small group in the study had mild cognitive impairment and were asked, after going through certain measurements and many tests, such as blood, genetic and cognitive function, to adhere to a little over 20 recommendations of food selection, daily vitamins and personalized exercise plans. Those who followed at least 60% of the recommendations showed significant improvement from their baseline in cognitive testing. Participants who followed less than sixty percent of the recommendations experienced cognitive decline similar to the control groups. Cognitive decline is a precursor to memory problems.
The larger group of participants studied were healthy individuals who had no memory loss though some in this group had less than ideal cognitive testing. After 18 months of following recommendations, all participants showed improvement in cognitive testing compared to their baselines and the control group, even if all the recommendations were not followed. Results showed that younger participants did better in general than those who were over 60 years old. Some of the measurements that went into developing a personalized plan included body fat and muscle mass, since the memory center of the brain, the hippocampus, is known to shrink as belly fat increases. Because cholesterol, blood sugar levels, and blood pressure are linked to an increased risk of Alzheimer's, these values were monitored throughout the study.
In reviewing sites such as the Alzheimer's Foundation of America, a free memory test was found that will test how quickly and accurately you recognize repeated images during a timed test. On the Alzheimer's Association website, one can find many recommendations for diet and lifestyle modification to follow, which are also listed in the Wall Street Journal article. Some examples of diet modification include limiting red meat, adding foods to your diet that are high in omega 3's, such as a certain type of fish, and foods high in antioxidants, such as strawberries and blueberries. A mix of aerobic exercise and resistance training/weight lifting was recommended for good brain and heart health. Hours of sleep and quality of sleep were other factors that can affect mood and memory.It is generally recommended that a person try to get at least 7.5 hours of sleep each night and reduce caffeine consumption and 'screen time' well before bedtime to improve the quality of sleep.As for general brain health, meditation for stress reduction and learning a new skill, such as a foreign language were recommendations to keep you mentally sharp. There are many other ways to start now to improve or maintain your brain health with numerous online resources to help. If you have a family history of Alzheimer's, don't let another day go by worrying about what may happen. Educate yourself and take steps now that could minimize your risk of developing Alzheimer's disease.
Sources: https://www.brightfocus.org/alzheimers/diet-and-exercise
Alzheimer's Foundation of America at https://www.Alzfdn.org
Alzheimer's Association at https://www.alz.org
Poor Financial Decisions May be Indicative of Dementia
Poor Financial Decisions May Be Indicative of Dementia
Diminishing brain function due to the onset of dementia can lead to the destruction of your financial well-being. If you are age 50 or older, easy access to your financial assets like stocks and bonds, checking and savings accounts, money market accounts, and other assets can lead to loss of these funds if an unauthorized person gains access to them, or if they are mismanaged. Family members are often unaware their loved one needs help before the unintentionally mismanaged assets, now gone, bring about devastating consequences for both the person living with dementia as well as their family. The Alzheimer's Association reports that from diagnosis to death, Alzheimer's disease (AD) care will cost an average of $424,000 per individual, and 70 percent of that cost is out of pocket expenses to the family system of the affected loved one.
It is common to have AD symptoms long before an official medical diagnosis. Difficulty managing money is one of the first signs of Alzheimer's disease. To spot problems early, look for the warning signs of ill-advised financial transactions through oversight. Unopened or unpaid household bills, overspending on credit cards and making just minimum payments on the debt, falling prey to frauds and scams, and not paying attention to more significant investments that constitute the bulk of a person's wealth are all indicators of mental decline. As a whole, the situation is very concerning as the poor financial outcomes that asset spending brings about are also happening at a time when expenditures to pay for increasing caregiving needs for dementia becomes extensive.
Projections are that by 2050, the prevalence of Alzheimer's will triple in the US. Those individuals suffering from AD who do not have personal or family financial support will most likely become a beneficiary of the US Medicaid program. Total Medicaid spending in the fiscal year 2018 was 593 billion dollars. The federal government paid 62.5 percent, and the states paid 37.5 percent of the budget. Research statistics data from the Centers for Medicare and Medicaid Services (CMS) are projecting that, under current law, from 2018 – 2027 national health spending will be nearly 6 trillion dollars with a substantial portion of that going to underfunded seniors living with dementia.
One of the best ways to protect your finances from the unintended consequence of mismanagement due to cognitive impairment is to accept that this problem exists, and there is a need to put systems in place for financial oversight long before mental decline sets it. Meet with an elder law attorney to put the legal documents in place, allowing for power of attorney, financial control, medical power of attorney, as well as a dementia directive, as early as your 50th decade. You may also allow a trusted adult family member, friend, or financial advisor to review your monthly spending habits and bill paying. If there is a noted error in your financial judgment or a lapse in your standard financial operating procedures, they can call it to your attention well before all of your money is gone.
According to the Alzheimer's Association, only 16 percent of seniors regularly receive cognitive assessments in their annual medical exams. Keep yourself from becoming vulnerable by protecting your liquid assets and your net worth with provisions for financial oversight. The safety net you put in place today can protect your finances and even be an indicator that you require testing for cognitive problems. Currently, there is no solution to the problem of Alzheimer's disease and other forms of dementia however; there are systems you can put in place to protect yourself financially. It is best to prepare for the possibility that you may develop cognitive problems and have protections in place rather than unwittingly put yourself in financial jeopardy.
5 Reasons to Rethink Your Retirement Investments
5 Reasons to Rethink Your Retirement Investments
Kiplinger.com is suggesting it is time to rethink your financial retirement portfolio. You may have built up a significant nest egg in a 401(k) plan, but it does come with serious baggage during your golden years. It is impossible to argue against the early stages of a 401(k) when employers match your contribution to the plan. You can take advantage of the tax breaks because contribution money comes out of your paycheck before calculating taxes and that money compounds every year. When you retire, however, the tax impact of a 401(k), 403(b), or traditional IRA can become significant.
You have probably been told at retirement time that you will be in a lower tax bracket however; it is more likely that the opposite will be true. Your tax rate is expected to increase. If you maintain the same standard of living, it will require the same amount of income, which translates to the same tax rate. Additionally, your children will be grown, the house paid off, and those substantial tax deductions are gone which may push you into a higher tax bracket. You will pay taxes on withdrawals from your contribution plan(s) annually irrespective of if the money comes from dividends, capital gains, or your contributions. That money will be taxed at your income tax rate at the time of withdrawal. Currently, the top marginal income tax rate is 37 percent, and taking into account the US deficit that tax rate could increase in time.
Double taxation can eat away at your retirement savings and is often the norm because you can pay more taxes on your Social Security benefits. Unless you have a Roth IRA, distributions from your retirement plans count against your tax situation when calculating what percentage of your Social Security is subject to tax. The result is you are paying more taxes on your retirement plan distributions and Social Security income. You are also paying more taxes from capital gains, dividends, and interest from your investments.
Required minimum distributions (RMDs) can be frustrating and expensive if you neglect to take them. You have to withdraw funds from your retirement fund accounts when the IRS deems it necessary. Even if you want to leave the money in the account, the IRS will schedule your withdrawals when you reach 70 ½ years old. There are stiff penalties for not taking out the required minimum distribution. You may pay as high as an additional 50 percent tax.
If you are married a 401(k) or IRA is the worst account to leave to your surviving spouse. No one wants to die without leaving their spouse financially secure, but these two financial vehicles are fully taxable accounts. Upon your passing, your spouse is about to change tax filing status from married filing jointly to single. That takes your spouse's tax obligation from the lowest to the highest bracket. Probably not exactly what you had in mind.
Both your 401(k) and IRA plans are subject to tax law changes. Every time Congress convenes a session, there is the possibility that increases in taxes on your retirement plans can occur. It is highly unlikely that your taxes won't increase. The US debt continues to grow at an alarming rate. The US government will tax its citizens more than ever to gain some level of financial control. Privatize the gains, socialize the losses is the federal government's rule of thumb, particularly when considering how massive the US debt is.
Get together with a tax planner to identify ways to move your retirement funds into better financial retirement vehicles. Sometimes conversion can cost a bit of money upfront, but in the long run, you will be far better off with regards to your retirement tax obligations.
If you have questions or would like to discuss your personal situation, please don't hesitate to reach out by calling us at 1.800.660.7564 or by emailing us at firstname.lastname@example.com.
The Difference Between Medicare and Medicaid
The Difference Between Medicare & Medicaid
Most people who work in healthcare may recognize the acronym LASA, which stands for "look-alike-sound-alike" and is usually seen when referencing medications. When it comes to federal programs, Medicaid and Medicare, in written form, look alike and they do sound alike but work very differently.
Both Medicare and Medicaid were started in 1965 under Lyndon B. Johnson's administration in response to the inability of older and low-income people to purchase private insurance. Medicaid is an assistance program, funded federally and at the state level, that provides coverage for health care to low-income individuals regardless of age. It is governed federally with each state administering its own plan, which can vary from one state to the next. Medicare is a federal insurance program that provides health coverage for people aged 65 and over or to those under age 65 with a severe disability such as end-stage renal disease or Lou Gehrig's disease, also known as ALS-amyotrophic lateral sclerosis. Dependents are not typically covered.
Medicaid eligibility is needs-based, meaning both income and assets are counted when determining eligibility. Both Medicare and Medicaid will cover a broad range of health care services, including hospital stays and physician office visits, yet Medicaid will cover nursing home care, in-home care services, long term care, and transportation to receive medical care which Medicare will not pay for. It is possible to qualify for dual coverage, which means both Medicare and Medicaid will work together to provide health care coverage and lower costs.
Regarding cost, Medicaid in most instances is free of cost though a small copay may be required depending on the plan. Medicaid can also recover against assets in a recipient's estate after the death of the recipient. This could mean a lien is placed and executed on a recipient's home, depending on whether a surviving spouse or blind or disabled child is residing in the home. Medicare is not free in that premiums and co-payments may be required for some parts of Medicare, and may be larger for those with a higher income, but eligibility is not income-based.
With Medicare, one has to work for about 10 years (40 qualifying quarters), at which point no premiums are required for Part A, which covers hospitalizations. Premiums may be necessary if you sign up for a Medicare Advantage plan, which is different from Original Medicare where you are permitted to purchase supplemental coverage for out of pocket costs. Because Medicare is not administered by each state, a Medicare recipient will usually have the same coverage and pay the same copays and deductibles regardless of the state of residence. Co-pays and deductibles are required for Medicare's Part B (outpatient services) and Part D (medication) plans. Also, a financial penalty can be assessed if one does not sign up for Medicare Part B when you first become eligible, and there may be a delay in getting coverage.
Though basic differences are covered here, there is much more information to know regarding both plans, so research is encouraged before you hit the age of eligibility for Medicare to determine which Medicare plan may be right for you. Medicaid plans and coverage differ from state to state, and sometimes county to county. We would be happy to answer any questions you have about your potential eligibility for either program. Just give us a call at 1.800.660.7564 or email us at firstname.lastname@example.com.
Pause Before You Sign That Nursing-Home Contract
Pause Before You Sign that Nursing Home Contract
Suppose your mother can no longer make decisions for herself and she now needs nursing-home care. You are stressed and anxious. The nursing home puts a twenty-page, single-spaced contract in front of you. You wish you could flip straight to the last page and sign then and there, just to get it over with.
Do not do this. You could be agreeing to pay, out of your own pocket, many thousands of dollars for your mother's care.
Try to get your mother admitted and then, before you sign the contract, bring it to us for our review and guidance. Once your mother has moved in, she can't be evicted just because you want to negotiate the contract.
But if that is not feasible, then sit down and take a few deep breaths. Read the contract carefully. Make a list of questions and ask a facility representative to explain. Ideally, that person would sit with you as you go through the document. Don't sign until you understand.
Here is what to watch out for.
You should not use your own money to pay
* Do not sign the contract if it requires you to obligate yourself to pay with your own money. Carefully scrutinize any language referring to you as the "responsible party" or "resident representative" or "agent."
The suspect buzz-words are "co-signor," "guarantor," "personally guarantee," "personally liable," "private-pay guarantor," "surety," "individual capacity," or any such language. Words like these obligate you, personally, to pay if your mother doesn't have the money. Don't sign even if there are no buzz-words, but the language looks something like this: "If the resident does not or cannot pay, I will pay the amount owed for residency charges, services, equipment, supplies, medication, and other charges."
Please understand that it is legal for the facility to require you, if you hold financial power of attorney or are guardian, to pay nursing-home bills from your mother's money and assets. It is legal to require you to spend her money on her care and not for any other purpose. It is not legal to condition your mother's admission on your agreeing to pay her bills with your own money, which is what the above buzz-words mean in plain English. The nursing home can ask you to agree – and if they ask, refuse – but you cannot be forced to agree to pay with your own money.
If your mother lacks the money, the next step is to apply for Medicaid assistance, not to go digging into your pocket.
Sometimes the contract is confusing. For instance, one nursing-home agreement says that the representative "personally guarantees continuity of payment." This alarming language is properly followed by an italicized statement that the representative is "not required to pay for Resident's care from his/her own personal funds." The agreement proceeds, though, to use the phrase "personally guarantee" in other contexts. Ambiguity like this is why we recommend that you first bring the agreement to us. We can ensure, on your behalf, that the facility clarifies such language and does not misapply it.
Everyone in need has the right to apply for Medicaid
* The nursing-home contract must not require your mother to waive – give up – her right to seek government assistance like Medicare or Medicaid, nor can it ask her or you to sign any statement that she is ineligible for those benefits.
* If your mother has no money to pay for care, a Medicaid application will be required. The contract may seek your permission to apply for Medicaid for you. You have the right to decline that option and, instead, seek legal counsel to help you apply. We have seen some facilities mishandle Medicaid applications, which wound up being denied when they should not have been.
In any case, though, whoever files for Medicaid, you must cooperate by immediately providing all records necessary for that application.
If your mother is eligible for Medicaid, Medicaid pays
* If your mother does get Medicaid, the nursing home must not require an additional payment over and above that designated by the Medicaid scheme in your State.
* The nursing home must not demand that your mother receive additional services not covered by Medicaid and then, if your mother declines those services, evict her. It should ask, in advance, whether those services are desired at specified additional cost.
* The nursing home must not require additional donations to a charity as a condition of admittance.
Do not agree to arbitration
* The contract may seek your consent to arbitration. If you agree, you will be giving up your right to a jury trial if a dispute arises. The rules are in flux at the moment, but, generally, you should decline such a provision.
The nursing home must protect property reasonably
* The nursing-home contract may try to fudge its responsibility to take care of your mother's property, but the bottom line is that it is obligated to care for your mother's property during her stay. You should, however, use good judgment to safeguard her valuable property like fine jewelry by keeping it elsewhere.
Protect yourself. Cross out, and sign the right way
* Cross out provisions in the contract that you decline, and put your initials by the strike-outs.
* Be sure to sign the contract only as your mother's agent. Your signature should read: "[Mother's name], by [your name], her agent."
To be fair to nursing homes, they are entitled to be paid and they often have difficulty collecting on legitimate debts. Facilities are forbidden from suing to take a resident's Social Security or pension income. They must comply with strict federal consumer-protection restrictions. Despite these payment hurdles, they must still protect frail and vulnerable people from all manner of harm. They also suffer public hostility, thanks to the misconduct of some bad actors. We always urge cooperation with nursing-home personnel if feasible, because their job is a difficult one.
On the other hand, you and your family have the right to be protected from the excesses of bad actors – or from the imperfections, for example, of the facility mentioned above that misuses the "personally liable" language. Thus, no matter how reputable the facility, it is good judgment to consult an attorney before you sign an admission contract. If that's not possible, then take care and time to study the contract, get facility staff to explain it to you, and strike out the objectionable provisions as advised above.
A few moments of care, even despite the stressful circumstances you are surely in at the time, can save you a lot of difficulties later. Please feel free to reach out if you have questions or need assistance by calling us at 1.800.660.7564 or by emailing us at firstname.lastname@example.com.
Autism Cares Act Signed into Law
Autism Cares Act Signed into Law
Much attention over the last ten years has been given to the research for causes and treatment of Autism Spectrum Disorder, also known as ASD. The Combating Autism Act became a law in 2006, was reauthorized in 2011, then again reauthorized and renamed to Autism CARES Act in 2014 (Autism Collaboration, Accountability, Research, Education and Support Act) which provided federal funding for research and monitoring the prevalence of autism and for training providers in detecting and diagnosing autism. Even still, there is no one single test for autism, no definitive cause for autism in general, and no cure yet. To be able to continue valuable research, education, social programs, and services to support the autism community, the law needed to be updated so certain parts of it would not expire by the end of September 2019. With bi-partisan backing and passage through the U.S. Senate, President Trump signed the Autism CARES Act of 2019 into law on September 30, 2019. The 1.8 billion afforded by this law will allow the National Institutes of Health (NIH), the Centers for Disease Control and Prevention (CDC), and the Health Resources and Services Administration (HRSA) to continue their work on autism.
Autism is a developmental disability that creates social/communication barriers and behavioral changes for a child diagnosed with autism and provides many social and economic challenges for the child's family as the child grows into adulthood. Being a spectrum disorder means that autism has many different forms and affects people in many different ways without a consistent degree of severity. Three conditions that were formerly diagnosed separately are now all called Autism Spectrum Disorder. These conditions are autistic disorder, pervasive developmental disorder not otherwise specified (PDD-NOS), and Asperger syndrome. Research has found that many forms of ASD stem from genetics, as well as environmental and biologic factors, and has been proven not to be caused by childhood immunizations.
Because autism spectrum disorder has several serious co-morbid conditions, there is a higher rate of premature death for an autistic person compared to the general population. As communication issues prevent some patients from being able to describe or even alert parents to symptoms of common conditions that accompany this disability, appropriate treatment for medical conditions could be delayed. Epilepsy, gastrointestinal conditions such as constipation, sleep difficulties, marked and unexplained irritability or aggressiveness, eating and feeding challenges, obesity, anxiety, and depression are some of the health issues patients and families face and can be costly to treat, both emotionally and financially.
Economically, the cost of caring for an autistic child is estimated to be around $60,000 a year, and more than $26,000 for community support, employment support and possibly daycare if not able to be employed and stay home alone safely. Once the child reaches adulthood, an autism patient is less likely to pursue higher education and job opportunities are few. Per the "Autism Speaks-2017" special report, of young adults who are 25 years old at the time of a study, more than half never held a paying job. Once they have aged out of care provided by a pediatrician, fewer adult patients get the specialized help they need to manage their autism-associated health conditions, and of those adults who are able to work, the income of many remain at or below the poverty level. The CDC considers autism spectrum disorder a public health concern and continues to monitor developmental disabilities with the desire to find out more about risk factors that make a person more likely to develop ASD. With the help of continued federal funding the Autism Cares Act of 2019 provides, the CDC and other agencies will be able to continue to pursue answers to causes of, new treatments and hopefully a cure for autism.
If you have questions or would like to discuss you or a loved one's planning needs, please don't hesitate to reach out by calling us at 1.800.660.7564 or by emailing us at firstname.lastname@example.com.
Medicare Coverage for Long Term Care
Medicare Coverage for Long Term Care
Most people understand that by paying into Social Security throughout their careers, they can receive health care benefits through Medicare starting at age 65. Individuals under age 65 who qualify to receive Social Security Disability benefits are also covered under Medicare, as well as anyone of any age who has Lou Gehrigs disease, known as Amyotrophic Lateral Sclerosis (ALS), or has been diagnosed with permanent kidney disease (end-stage renal disease) that requires dialysis or a kidney transplant. But many people may not understand what is covered when long term care is needed.
In general, long term care is medical and non-medical care provided to a person who is unable to perform the basic actions needed on a daily basis to function independently.These basic actions are called activities of daily living and include bathing, dressing, eating, toileting, managing bowel and bladder function, and having enough physical mobility to be able to move safely to and from a bed or a chair, called transferring. For people with chronic diseases, permanent injury such as from a stroke, or are suffering from the effects of aging, long term care is provided indefinitely without the expectation that the patient will recover.
Often patients receiving long term care services reside in a nursing home to be able to have their basic needs met. For others who have become incapacitated due to an illness or injury, skilled nursing care may be needed with the goal of recovering to independent functional status.Medicare will pay for medically necessary acute care services and some long term care services that meet specific criteria. Most long term care non-medical services are not covered by Medicare, such as nursing home expense or the services provided in the home for custodial-type care.
There are four specific types of long term care services, listed below, that Medicare will pay for, though certain conditions apply for most services to be covered:
- Care in a skilled nursing facility for up to 100 days per benefit period
- Services to treat medical conditions
- Services to prevent further decline due to medical conditions
- Hospice care
For a Medicare recipient to qualify for a skilled nursing home stay, the patient must have been provided acute care in a hospital for three consecutive days (often referred to as three midnights) prior to transferring to a skilled nursing facility or must be placed in a skilled nursing facility within 30 days of that qualifying acute care stay. Being held on observation status for three consecutive days is not enough for Medicare to pay for additional care.
Once in a skilled nursing home, payment for services is based on length of stay with only a portion of the cost is covered after the first 20 days, and Medicare will not pay for the cost of the skilled nursing facility after the 100th day.These days of stay do not need to be consecutive.
When services to treat medical conditions are deemed medically necessary by a physician, Medicare will pay indefinitely on certain services as long as the physician writes an order for continued services every 60 days and these services remain medically necessary. Services covered include intermittent or part-time skilled nursing care, therapy services provided by a Medicare-certified home health agency, medical social services, and medical supplies and durable medical equipment (of which 80% of the approved amount is covered). For patients with conditions that may not improve, such as debility from a stroke, Parkinson's disease, Alzheimer's disease, Multiple sclerosis or ALS, Medicare will pay for services that could prevent further decline in their health status. Hospice care for those with a terminal illness who have chosen to stop all active treatment and are not expected to survive longer than six months is also covered with Medicare. This care includes medications for pain control or relief from the symptoms of the illness, as well as hospice care by a Medicare-approved hospice provider not only in the home but in a nursing home or a hospice care facility. Lastly, some short-term hospital visits may be covered.
Understanding how to pay for long term care can be overwhelming. We help seniors and their loved ones plan for the possibility of needing long term care, including how to access and pay for it. If we can be of assistance, please don't hesitate to reach out by calling us at 1.800.660.7564 or by emailing us at firstname.lastname@example.com.
Many Wealthy Retirees Are Too Scared to Spend
Many Wealthy Retirees are Too Scared to Spend
While the US economy is in a cycle of more than ten years of economic growth, its citizens, even the "wealthy" ones, are worried about running out of cash and are scared to spend. Bloomberg.com is reporting many retirees, and near-retirees are sitting on their wealth in much the same way large corporations are hoarding stockpiles of cash. Even famed investor Warren Buffet and his multinational conglomerate holding company Berkshire Hathaway Inc are side-lining cash in excess of $122 billion.
Americans are experiencing a strong economy. The Gross Domestic Product (GDP) is steadily growing. There are low-interest rates, low unemployment, a stable currency, and more than $1 trillion of available investor cash. For those retirees who are financially well off then, why is there anxiety about money and reluctance to enjoy it in retirement years? Yes, many of the wealthy are planning on leaving a legacy to their heirs, but something else is happening.
Wealth in the US is becoming more concentrated among fewer households. Consolidating wealth is like consolidating power. Ultimately there is little difference between the two. The Americans who have most benefited from this ten-year boom cycle in the American economy are averse to spending their money. They want to survive an economic downturn and still maintain their elite financial status. This conservative approach will likely guarantee them a very comfortable lifestyle even in the event of bleak financial times. Former Brookings Institution fellow Matt Fellowes states, "It's trillions and trillions of wealth that is not benefiting anyone except asset managers." The rich, sitting on their wealth, create stagnant money, which negatively impacts the vitality of the American economy.
The Federal Reserve provides a quarterly balance sheet of all individual and charitable monies and America's combined net worth now stands at $109 trillion. It is a lot of money; however, it has disproportionately flowed to the wealthy. Celebrity and wealth-obsessed culture saturates Americans with images of the rich with expensive real estate, private jets and yachts, and attending posh philanthropic parties. The reality of the average millionaire in America is far more frugal than their Instagram and paparazzi driven counterparts. Retirement experts often disagree as to why these conservative millionaires are unwilling to enjoy the fruits of their lifelong labors.
Being cautious with money is inherently prudent, particularly at the height of an economic boom cycle. Even without market uncertainty, a key characteristic of modern capitalist economies is a boom-bust cycle. A process of economic expansion (boom) will be followed by economic contraction (bust), and the cycle occurs repeatedly.
All Americans, even the wealthy ones, are experiencing uncertainty about their economic future. Will their rate of return on investments be able to address increasing medical costs? Will they have enough streams of income to support themselves when taking into account their longevity risk? Collectively, Americans are not saving enough to accomplish a successful retirement. However, individually, wealthy Americans are fearful of losing their financial position in a severe market downturn. These wealthy Americans have already lived through harsh economic times, particularly the Great Recession. This economic bust was triggered by the subprime mortgage crisis and the collapse of the US housing market bubble. Market bubbles present themselves from time to time, and if the free market successfully deleverages them, there is little economic incident. But when the bottom drops out, bleak economic times follow.
Once you achieve wealth, it becomes an inherent part of your identity, and consequently spending your wealth is like spending your own identity's capital. Additionally, as you age, the tendency is to become more risk-averse, according to the National Institutes of Health (NIH). With the bulk of the wealth of America in older households than in previous decades, it is no surprise that risk-averse strategies are in play. A lifetime spent acquiring wealth and watching accounts and investments mature then morphs into retirement years of asset spending and the dilution of wealth. The majority of wealthy Americans are not keen to adapt to the life cycle of asset accumulation followed by retirement spending. Their preference is to live frugally, retaining as many assets as possible to be able to ride out an economic downturn.
Planning for retirement can be stressful. Having a proper estate plan in place can eliminate much of the stress, especially when it comes to transferring assets to children who may not be ready to handle large sums of money. We can help. Give us a call to discuss your wishes, and how to design a plan that will help carry those wishes out by calling us at 1.800.660.7564 or by emailing us at firstname.lastname@example.com.
Contact Us:
Covert | Law
Covert | Law
Your Plan. Your Family. Their Future.
- - We Take Care of Families: Today - Tomorrow - Forever - -
NEIL R. COVERT, Attorney at Law
Clearwater - Sarasota - Fort Myers - Naples
email: firstname.lastname@example.com
© 2019 Neil R. Covert, P.A. - - All Rights Reserved.


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Woof! Meow! One thing before you go…
Do you need to find a loving home for your pet?
Shelters are often inundated with pet surrenders, and do not want to provide a simple outlet that takes away the obligation of responsible pet ownership. Therefore, they would prefer that people try hard to find a solution before resorting to surrendering their pet to a shelter. If you must find a new home for a pet, please try posting to our adoption portal before placing the burden on the shelter. Direct adoptions work well and allow everyone to share in the accountability of their community!
Siamese Rescue Metro
Media, PA
Visit Siamese Rescue Metro >> http://www.petfinder.com/shelters/PA181.html (report broken link)
We are a volunteer run, no-kill rescue serving the Philadelphia metropolitan area and surrounding states helping abused, abandoned and unwanted Siamese and Siamese mix cats and kittens find new loving, forever homes.
Do you need to find a loving home for your pet?
No-kill shelters do wonderful work, but as a result, are often inundated with pet surrenders. In the unfortunate scenario that you have to find a new home for your pet, please read through the rehoming solution and articles on this page before contacting the shelter.
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subset: commoncrawl


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Posh Pancake Recipe Book
Posh Pancakes brings you over 70 recipes from all around the world. Breakfast, brunch, lunch, dinner and dessert, the dishes include Chinese pancakes with duck and hoisin sauce, spicy Mexican hotcakes with avocado and chili, classic English pikelets, as well as the quintessential French crêpes Suzette.
- 160 pages
- Measures: 8.6" by 6.6"
- Includes a photo of every single recipe
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Network Rail => S&C Replacement Project
Come up with a process and method to replace Switch & Crossings (S&C) in existing track, given the following: 1) maximum time is 8 hours; 2) Handback of the S&C at linespeed; 3) MTBF for the whole system 3.5 years; 4) costsavings of 28%.
The end result: using System Engineering, all technical and operational issues were solved; cost savings theoretically achieved of 24%.
At this moment of time phase 1 to 3 (of the 5 phases) is implemented.


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I have many, but only use the following now because the glues are so good. There was a time I would mix flour and the bottom of a jar of shellac and take the thick goop from the shellac and mix that, the fine flour and some sawdust, occasionally adding glue.I also use Timbermate brand filler if what I have matches the wood. I usually mix a little colored sawdust in it though. I have a neutral Timbermate I can mix with sawdust to make custom darker colors that Timbermate does not make off the shelf.The simplest is just mixing the saw dust with Titebond III, which works surprisingly well, but its not the best for a light wood like Maple.I also use 5 min Clear Epoxy I mix with the saw dust.Nickao


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Kanika Mann Of Guddan Tumse Na Ho Payega Or Deepika Padukone – Who Wore It Better?
Actress Kanika Mann, who plays Guddan, sported a red saree for a date scene on the Zee TV show. It reminded us of Deepika's look from a 2018 event.
In the latest episode of Zee TV show Guddan Tumse Na Ho Payega, we saw the blooming romance of its lead pair AJ and Guddan. Actress Kanika Mann and Nishant Singh Malkani play the aforementioned characters on the daily soap. Recently, we witnessed AJ and Guddan's first ever romantic date by the poolside. Dressed in a beautiful red saree, the female protagonist looked resplendent as ever. AJ stuck to his usual power suit look but made up with his loving gestures towards his better half.
There are no qualms about the fact that Kanika was a vision in that red saree. However, her look reminded us of a similar one donned by Deepika Padukone last year. To jog your memory a little, Deepika had worn a red silk saree by ace designer Sabyasachi Mukherjee at a coveted awards duo in January 2018. Styled by Shaleena Nathani, the Tamasha star accessorized her seven yards attire with a traditional choker, gold earrings and accentuated eye makeup.
Check out both Kanika and Deepika's looks here:
Evidently, the sarees worn by the two stars are starkly similar yet so different. Kanika sported a complete red-coloured one while there were hints of red with major pink glow in Deepika's saree. Moreover, the former rounded up her look with minimal makeup and a necklace. She chose mid-parted loose locks to add to the desi look.
Well, we are in love with both the looks! Kanika's is a subtle one suited for family gatherings and parties while you can carry the one sported by Deepika to an upbeat evening do. What are your thoughts? Whose look did you like the most? Tell us in the comments box below.
You can now stream and watch your favourite TV shows and latest movies anytime, anywhere on ZEE5.


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Paper Birch Ribbon: Antique White (5 Yards x 1.5" W)
$ 10.95
Two-sided paper ribbon features a birch look that is accented with silver and clear metallic glitter. Ribbon is wired edged for easy use.
Size: 1.5" wide and 5 yards or 15 feet long
Materials: Paper, Wire, Glitter
Condition: New
Shipping: This item leaves our warehouse within 1 to 4 business days.


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Nose : Definition
WordWeight >> Nose
Pronunciation : Nose
Part of Speech : n.
Etymology : [AS. nosu; akin to D. neus, G. nase, OHG. nasa, Icel. nös, Sw. näsa, Dan. näse, Lith. nosis, Russ. nos', L. nasus, nares, Skr. nasa, nas. Nasal, Nasturtium, Naze, Nostril, Nozzle.]
Definition : 1. (Anat.)
Defn: The prominent part of the face or anterior extremity of the head containing the nostrils and olfactory cavities; the olfactory organ. See Nostril, and Olfactory organ under Olfactory.
2. The power of smelling; hence, scent. We are not offended with a dog for a better nose than his master. Collier.
3. A projecting end or beak at the front of an object; a snout; a nozzle; a spout; as, the nose of a bellows; the nose of a teakettle. Nose bit (Carp.), a bit similar to a gouge bit, but having a cutting edge on one side of its boring end. -- Nose hammer (Mach.), a frontal hammer. -- Nose hole (Glass Making), a small opening in a furnace, before which a globe of crown glass is held and kept soft at the beginning of the flattening process. -- Nose key (Carp.), a fox wedge. -- Nose leaf (Zoöl.), a thin, broad, membranous fold of skin on the nose of many species of bats. It varies greatly in size and form. -- Nose of wax, fig., a person who is pliant and easily influenced. "A nose of wax to be turned every way." Massinger -- Nose piece, the nozzle of a pipe, hose, bellows, etc.; the end piece of a microscope body, to which an objective is attached. -- To hold, put, or bring one's nose to the grindstone. See under Grindstone. -- To lead by the nose, to lead at pleasure, or to cause to follow submissively; to lead blindly, as a person leads a beast. Shak. -- To put one's nose out of joint, to humiliate one's pride, esp. by supplanting one in the affections of another. [Slang] -- To thrust one's nose into, to meddle officiously in. -- To wipe one's nose of, to deprive of; to rob. [Slang]
Source : Webster's Unabridged Dictionary, 1913
Pronunciation : Nose
Part of Speech : v.
Definition : 1. To smell; to scent; hence, to track, or trace out.
2. To touch with the nose; to push the nose into or against; hence, to interfere with; to treat insolently. Lambs . . . nosing the mother's udder. Tennyson. A sort of national convention, dubious in its nature . . . nosed Parliament in the very seat of its authority. Burke.
3. To utter in a nasal manner; to pronounce with a nasal twang; as, to nose a prayer. [R.] Cowley.
t. [imp. & p. p. Nosed; p. pr. & vb. n. Nosing.]
Source : Webster's Unabridged Dictionary, 1913
Pronunciation : Nose (noz)
Part of Speech : v.
Definition : 1. To smell; to sniff; to scent. Audubon.
2. To pry officiously into what does not concern one.
Source : Webster's Unabridged Dictionary, 1913


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Friday evening sees Villarreal host Atletico Madrid in La Liga, with Diego Simeone's side looking to make up some lost ground on current league leaders Barcelona.
Atleti fell to a late Lionel Messi strike last time out, eventually losing 1-0 to fall six points behind their most recent opponents.
Villarreal, meanwhile, are rotting away down in 13th and have endured some desperate results in recent weeks, losing four out of their last five games.
Here are the stats, courtesy of Opta, you need to know for Friday night.
Tough Nut to Crack
Even if their recent poor form isn't much cause for optimism, Villarreal's recent record against Atleti certainly is.
Coming Unstuck at
La Cerámica
Atletico will have to overcome a poor recent record at
There's been talk of Simeone losing the Atleti dressing room, which isn't entirely surprising given the disappointing results they've been picking up. The lack of a clinical edge in front of goal has also popped up, especially away from home.
Atletico have drawn their last four away La Liga games, the last three by a scoreline of 1-1. Just once in their history have they drawn five consecutive games on the road in the competition: six in 1957 under Ferdinand Daucik.
Slow Starters
Atletico have managed 25 points after their first 15 La Liga games this season, their joint-lowest tally in the competition at this stage under Diego Simeone (also 25 in 2016/17).
Given that some tipped the Madrid side to challenge for the La Liga title this season after some seemingly smart summer business, that return will feel a tad underwhelming for their supporters.
Thankfully for Atleti, there's still plenty of time to pick up points before the end of the season.
Late Drama on the Cards
Villarreal (six) and Atletico (five, alongside Sevilla) are the teams to have lost the most La Liga points thanks to goals conceded in the last 15 minutes of their games in the competition this season.
Atleti fans probably don't need another reminder of who stole the points from Wanda Metropolitano last time out, but Villarreal did throw away a point at home to Celta Vigo in late November when a Iago Aspas brace saw the visitors leave with victory.
Things have been looking up for Alvaro Morata ever since he switched London for Madrid earlier this year.
He's rediscovered his scoring streak and is an important member of the Spain side again, and also loves a game against Friday's opponents.
The former Chelsea striker
A Soft Touch at the Back
Given Simeone's reputation as one of the best defensive coaches in the world, it's weird to see his side concede as many goals as they have in recent weeks.
Atletico haven't kept a clean sheet in their last seven games in all competitions, their longest such run under Diego Simeone.
Maybe it's because Diego Godin left?
Confirmed Atletico Madrid Lineup
[🏧👥] LINE-UP— Atlético de Madrid (@atletienglish) December 6, 2019
🙌 Here it is! Our starting XI for tonight.
⚽ #VillarrealAtleti
🔴⚪ #AúpaAtleti pic.twitter.com/QnP9J1rVAl


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doi: 10.17706/jsw.14.7.312-339
Development of an Intelligent Job Recommender System for Freelancers using Client's Feedback Classification and Association Rule Mining Techniques
Abstract—Most of the freelancer's time is killed in finding suitable jobs due to the huge number of freelance marketplaces. Freelancing sites send email notifications or show in newsfeed about posted jobs but most of them are irrelevant. Recommending relevant jobs to freelancers to minimize job finding time has drawn the attraction of researchers. Here, in this paper, we propose a recommender system to find out appropriate jobs for freelancers using client's feedback classification and Association rule mining techniques. After collecting the previous work history of freelancers, we analyze the sentiment of client's feedback using Logistic Regression and Linear Support Vector Machine model to classify the completed jobs into two categories: positive and negative. We apply the Association rule mining technique to find out freelancer's frequent skillsets used in both categories of completed jobs. Then, we find out the jobs matched with the positive frequent skillsets using set operations. We also discard jobs that contain negative frequent skillsets. Finally, a collaborative filtering algorithm is applied considering the client's overall rating, the minimum budget/ hourly rate, deadline, re-hire, etc. to generate a more accurate recommendation. After extensive experiments on the real dataset collected from different online marketplaces, we are able to prove that our proposed method correctly recommends the appropriate jobs with 83.40% (Logistic Regression) and 84.03% (Linear SVM) accuracy.
Index Terms—Association rule mining, collaborative filtering, freelancing, frequent skillsets, logistic regression, possible jobs, sentiment analysis, support vector classifier.
Cite: Md. Sabir Hossain, Mohammad Shamsul Arefin, "Development of an Intelligent Job Recommender System for Freelancers using Client's Feedback Classification and Association Rule Mining Techniques," Journal of Software vol. 14, no. 7, pp. 312-339, 2019.
General Information
Dec 06, 2019 News!
Vol 14, No 1- Vol 14, No 4 has been indexed by EI (Inspec) [Click]
Jun 22, 2020 News!
Papers published in JSW Vol 14, No 1- Vol 15 No 4 have been indexed by DBLP [Click]
Sep 30, 2020 News!
The papers published in Vol 15, No 6 have all received dois from Crossref [Click]
Aug 01, 2018 News!
[CFP] 2020 the annual meeting of JSW Editorial Board, ICCSM 2020, will be held in Rome, Italy, July 17-19, 2020 [Click]
Sep 30, 2020 News!
Vol 15, No 6 has been published with online version [Click]


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Audi says it will cut 7,500 net jobs by 2025
|CTVnews 26 Nov 2019 at 22:26
BERLIN -- Volkswagen subsidiary Audi says it s cutting 9,500 jobs in Germany through 2025 as part of a transformation plan to make the company "lean and sustainable."
The Ingolstadt-based automaker said Tuesday that at the same time, it expects to add 2,000 new positions for a net job loss of 7,500 jobs.
Audi currently employs some 90,000 people around the world, including 60,000 in Germany and has been struggling to keep up with domestic rivals BMW and Daimler in recent years.
Some of its cars have also been part of the diesel emissions cheating scandal, which has centred on parent company Volkswagen.


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As more and more homes and businesses across the country go solar, it is about time that you took that leap of faith. If you are considering going solar, you might want to know ...READ MORE +
When it comes to VPS, there are plenty of options. If you have a Windows VPS/ dedicated server, the VPS runs the operating system from Microsoft. It is referred to as a Windows ...READ MORE +
Everyone knows that the lighting industry has expanded and evolved dynamically in the past few years. The technological advancement led to the emergence of an intelligent lighting ...READ MORE +
Technology has significantly impacted our lives. There are new terms that are coined all the time. Hence, it can be difficult to determine what each term means and how it affects ...READ MORE +
We all know the streaming boxes you got years ago can make enjoying a TV show or movie a daunting task. The low resolution and loading time it takes can prove to be frustrating. ...READ MORE +
If you do not know much about a Windows VPS and how to choose the right Windows VPS India package, there is nothing to worry about as this post will help you with everything. ...READ MORE +
The world is a scary place. It is what we tell our kids whenever we worry about them incessantly. Is it a scary place or are we just scared? Now, that is something parents should ...READ MORE +
If you are looking for a fun way to spend your time, you need to check out the Match 3 game. It is simply out of this world. When you play the game, you will get to experience an ...READ MORE +
Today, I will be answering the most frequently asked question about Black Desert Mobile. Whether you are new to the gaming industry or have been playing games for as long as ...READ MORE +
Many companies need to manage data communications between barcode scanners and warehouse servers, as well as other local and remote computers on their network. With ...READ MORE +


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Little Lunch Box Co. Bento 5 has been designed specifically for children who prefer a variety or who are fussy eaters. With endless combinations of nutritious food and colourful design, your children will love lunch time.
We're here to help! Now when checking out you can choose:
- Free pickup in store. Now open 12-4pm Wed, Fri, & Saturday!
- Free home delivery in Saugeen Shores (Wed, Fri, and Sun)
- New $8 Express 2-4 day shipping across Canada with tracking
- Free shipping with purchase of $100 or more!


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|Quadrangle map, 1:250,000-scale
|Quadrangle map, 1:63,360-scale
|Nearby scientific data
|Find additional scientific data near this location
|Location and accuracy
|This is a north-flowing, south tributary to the Agiapuk River in the northeast Teller B-3 quadrangle. Sainsbury and others (1969) mapped the presence of placer mining operations between surface elevations of 240 to 250 feet on an east tributary whose confluence with the main drainage is 2.5 miles upstream from the Agiapuk River. This locality was not included in the compilation of Cobb and Sainsbury (1972). Cobb (1975) summarized Sainsbury and others (1969) under the name 'Unnamed creek'.
Geologic descriptionBedrock in this drainage is a chlorite and mica schist assemblage that is locally intruded by small greenstone bodies (Sainsbury, 1972); the age of this assemblage is uncertain but it is probably Paleozoic. All that is known about this locality is that some placer mining operations took place along the lower 0.5 miles of the east tributary (Sainsbury and others, 1969).
|Geologic map unit
|(-166.072696022942, 65.4162405580794)
|Mineral deposit model
|Alluvial Au placer (Cox and Singer, 1986; model 39a)
|Mineral deposit model number
|Age of mineralization
|Workings or exploration
|Sainsbury and others (1969) mapped the presence of placer mining operations between surface elevations 240 to 250 feet (the lower 0.5 miles) on the east tributary. The confluence of this tributary with the main drainage of the unnamed creek is 2.5 miles upstream from the Agiapuk River.
|Indication of production
|Reserve estimates
|Not defined
|Production notes
|Not known
Cobb, E.H., 1975, Summary of references to mineral occurrences (other than mineral fuels and construction materials) in the Teller quadrangle, Alaska: U.S. Geological Survey Open-File Report 75-587, 130 p.
Cobb, E.H., and Sainsbury, C.L., 1972, Metallic mineral resources map of the Teller quadrangle, Alaska: U.S. Geological Survey Miscellaneous Field Studies Map MF-426, 1 sheet, scale 1:250,000.
Sainsbury, C.L., 1972, Geologic map of the Teller quadrangle, Seward Peninsula, Alaska: U.S. Geological Survey Map I-685, 4 p., 1 sheet, scale 1:250,000.
Sainsbury, C.L., Kachadoorian, Reuben, Hudson, Travis, Smith, T.E., Richards, T.R., and Todd, W.E., 1969, Reconnaissance geologic maps and sample data, Teller A-1, A-2, A-3, B-1, B-2, B-3, C-1, and Bendeleben A-6, B-6, C-6, D-5, and D-6 quadrangles. Seward Peninsula, Alaska: U.S. Geological Survey Open-File Report 69-236, 49 p., 12 sheets, scale 1:63,360.
|Travis L. Hudson (Applied Geology)
|Last report date


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Complaint 328210 Details
- Date Occurred: 08/11/2014
- Reported Damages: $1,350.00
- Phone Carrier:
The complaint is against an online dating profile
The complaint is a listing fraud posted on public forums or sites against an anonymous entity
The complaint is mobile text spam or smishing related against an anonymous entity
The company or person contact no longer exists
International boundaries
A guy calls and says PG&E is on the way to disconnect service from being 30 days last on payment. Then someone from their billing department gets on the phone and says how you can correct the issue, but must pay within an hour. They keep calling you says they need payment to stop the driver from shutting service off.
- Jennifer SBID #1c32fa4486
- Posted 08/11/2014
Do You Have a Complaint?Submit a Complaint ►
There are no comments posted. Be the first to comment on this complaint
Do You Have a Complaint?
Add a complaint and spread the word. High volume complaints have a better chance to get their money back. Submit a report and join forces with others like you!Submit a Complaint Now
Business Profile Summary
Company Statistics
- Complaint Against 415-251-3232
- Complaints Filed: 2
- Reported Damages: $1,750.00
What is SBID?
SBID is a unique id code that identifies the user's computer and location. SBID is used to prevent fraudulent postings and help our community find users who create duplicate user accounts.


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We will be reopening the arcade as soon as they start Phase 3. In order for Contra Costa County to allow us to open we will all have to follow some simple and safe guidelines:
Lets all be safe and respectful while having fun! We look forward to seeing you very soon.
Copyright © 2020 The Flipper Room - All Rights Reserved.


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Browse the BPS On-line Bookshop
Items with Catalogue Number "bl076"
The Population Crisis and Conservation
By Douglas M. Burns, MD
This item is included in Collected Bodhi Leaves Volume III.
Also available for free download in the on-line library.
Catalogue No. BL 76 Language: English
Publisher: Buddhist Publication Society
Type: Bodhi Leaf Category: Buddhism and Today's World
(1977) (Paperback)
The online bookshop is closed indefinitely.
Kindly use our Contact Us page for further enquiries.


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Cultural Exchange
The Cultural Exchange (CE) is a program with a broad range of activities and information sharing. It initiates, supports and manages activities and events that have mutual benefit for new community members from Culturally and Linguistically Diverse backgrounds, their cultural groups and the wider Albury Wodonga community. The project is supported by a network of community volunteers and program activities are based at Albury and Lavington libraries.
As a precaution for the health and wellbeing of our participants, all Cultural Exchange programs have been temporarily suspended from the 16th March, 2020.
|Glenys Atkins
|Radha Guragai
|Phone: (02) 6021 0990
|Phone: 0473 740 730
|Email: email@example.com
|Email: firstname.lastname@example.com


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Once my pounding spinal tap headache was gone, I tried to develop a routine with writing and working out, while figuring out where I'd travel to next. The thing is, I hadn't been back "home" at my parents house in more than 15 years. My sister, her husband, and two children (aged 11 and 14)Continue reading "Days 196-222: Life in Missouri"
Tag Archives: snow
Day 175: Leaving Whistler with a Bang!
After spending six weeks in Whistler, it was time to leave. As I packed, I reflected on my time there and all the things I did: I wrote a lot, oftentimes sitting in a reading nook, peering out the window. A few times, I was able to watch the snow fall. I settled in, boughtContinue reading "Day 175: Leaving Whistler with a Bang!"
Days 170-174: Snowshoeing and Snowmobiling
There was snow at the top of Whistler Mountain, so they were finally doing snowshoe tours. I love the snow and having lived in Los Angeles for the last 15 years, I was missing it. I met the group of six (and two tour guides) at the office and we started to put on bootsContinue reading "Days 170-174: Snowshoeing and Snowmobiling"


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It seems my Robin Wood deck, Regina, needs a break. For at least the next two weeks, I will not be using her for readings, paid or otherwise, as she will be resting in her wooden box. I have many … Continue reading →
Tag Archive for Praxis
PCon Crash
by Friends of st4r.org • • 0 Comments
PantheaCon went well, by and large. Never without incident, of course – there's waaaaaay too many people there for that to ever be the case. But far more good than bad. Being me, and hypercritical, and moody in February, I … Continue reading →
PCon Prep
by Friends of st4r.org • • 0 Comments
PREPARE ALL THE THINGS! WAAAAAAAAAAAUGH! That is all. –Ember–
Happy Groundsquirrel Day!
by Friends of st4r.org • • 0 Comments
Once again, I love my Mom. Today she sent me another announcement, to inform us of this important development in her religious tradition the California Local-Wight Pagan Society**: In this year of hoping for MORE WATER instead of more dry … Continue reading →
Reblog: It Lives!
by Friends of st4r.org • • 0 Comments
Originally posted on Tales of the Fox:
Well, it looks like my first post went through okay, so here we are. Welcome to Tales of the Fox! My name is Kitsune (or Kit, if you like), and this little nest…
What Frith Isn't – A Rambling Rant
by Friends of st4r.org • • 0 Comments
Frith is not just etiquette. It's not about saying what people want to hear so they don't get upset. It's not about avoiding making too much noise. It's not about keeping your head down and going along to get along. … Continue reading →
PantheaCon 2016 – See You There!
by Friends of st4r.org • • 0 Comments
I'm running or helping run three rituals this year at PantheaCon, which is being held once again at the San Jose DoubleTree hotel on Presidents' Day weekend, February 12-15th. There are WAY too many amazing things on the program this … Continue reading →
Interfaith Challenges – "Common Ground" Isn't
by Friends of st4r.org • • 0 Comments
Much of my work is interfaith either deliberately or incidentally. Representing small, mostly-modern, polytheistic, animistic, sex-positive, radically inclusive faith traditions in a context where most folks are at best quietly politically moderate, and almost entirely monotheistic, presents a number of … Continue reading →
Valley of Flowers
by Friends of st4r.org • • 0 Comments
Perlandria said, "One of the grace names I heard for our home when growing up was Valley of Flowers." I should put off this post until mid February, perhaps, as that's when the flowers will return in force. I'm curious … Continue reading →
Vanatru Parody (ABBA)
by Friends of st4r.org • • 0 Comments
Happy New Year folks! I want to start the year fresh, with a bit of humor. I hope you like filk, and ABBA! [Finally Facing I'm] Vanatru (Or "An Example of a Vanic Conspiracy") Lyrics by me, without apologies to … Continue reading →


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Woven blouse constructed from 2 layers of chiffon fabric. This dramatic style consists of a V neck, asymmetric hem, and feminine flute sleeves. Simply dress it up with a pair of smart trousers, or wear more casually with jeans. This tunic is a great wardrobe staple, and can be worn to most occasions.
- Blouse
- V-neck
- Short sleeve, flute style
- Digital floral print
- Evening
- 100% Polyester
- Machine washable


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Heritage Acres Market LLC
Bee Gear Closeout!
Regular price $ 30.00
$ 0.00
Various protective equipment is all new, some may have a little dust from storage. Planned on using them for education but didn't, so now they need to go!
All suits are cotton suits with fencing style removable veils. Gloves are goat skin with cotton cuffs.
!! All sales are final !!


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We are looking for new members!
I recently became the president of a club. The club was kinda dead and I want to blow some life into it!
That's why I need members who want to build a sisterhood!
AT THIS MOMENT THERE IS NO REQUIREMENT, BUT ONCE THE CLUB IS FULL YOU HAVE TO BE 60+!! YOU ONLY NEED TO BE ACTIVE AND DONATE SOMETHING ONCE A WEEK. It's up to you how much.
I need 2 girls who want to join and fullfill one of the next positions as a vice-president:
• Searching new (active and strong) members
• Making a standard donation of 8000 dollars and 6 emeralds a week or 1 diamond
• Making a club- website if you like?
Look for: The chosen ones.
President: Elhoceima
See you soon girls


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Men's Christian T-Shirts
Whether you're looking for men's Christian t-shirts to wear with black pants for church fellowship meeting, or Jesus Christ t-shirts to wear with jeans for the worship on Sunday, our online collection of men's t-shirts has options for every Christian man and every occasion. Sacrize's urban Christian clothing aims to bring to you modern daily Christian wear fashion that emphasizes Christian faith, quality, comfort, and style. Our handcrafted collection is inspired by the Word of God and is designed to spread God's Word. Each Christian inspired design is 100% unique to the Sacrize brand.
Sacrize's bible verse t-shirts for Christian men allows you to make a bold faith statement without sacrificing style. Sacrize offers the latest fashion in Men's collection of Christian T-Shirts, Sweatshirts and Hoodies. Our modern faith t-shirts will make great Christian gift ideas and will be the perfect Christian gifts for men and boys. Shop our men's Christian apparel to share your faith, and share the gospel through how you live and what you wear!
Looking for more? Browse our Women's collection of Christian T-Shirts, Sweatshirts and Hoodies from Sacrize.


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Marvel/Square Enix's Avengers Project
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Senior Member
Join Date: Feb 2012
Location: Ottawa
Age: 26
Posts: 2,333
Re: Marvel/Square Enix's Avengers Project
Originally Posted by
Quite frankly I'm surprised people here are so down on Travis and Laura. Both of them are amazing actors who've got tons of performance capture experience, and the chemistry with them, Troy, and Nolan is guaranteed to be electric. For a game that's all about working as a team, that seems really important. Casting them would make total sense even if they hadn't played them before. As well, just because they're from AA doesn't mean they themselves are poorly cast. If anything, this should be a great chance for them to actually get to spread their wings and show their stuff. Great example: Yuri and Travis played Spidey and Kingpin before, but only when they got to Spidey PS4 did they TRULY crush it. Normally I wouldn't be interested in the game so I'm surprised I am, and a big part of it is just because I have total faith this cast is going to nail it.
I just don't think they're the best fits for Thor and Black Widow respectively to be honest, I've grown tired of hearing them as those characters nearly every Marvel project since 2013. I mean Yuri's Spidey and Travis's Kingpin weren't overused to the point that it got tiresome. I was hoping we'd get some new casting or pick more obscure choices for a reprisal. Maybe they might grow on me here but right now I just find it eh.
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