Cadercole

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bump!

Also, anyone know what section for the band.

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They should take the vote away from people like Harbaugh, Pellini, Dantonio (MI State) who voted their teams a few spots higher than anyone else for self promotion.

I give props to Spurrier, Beamer, Tressel for voting their teams in line with the poll even when a number of other voters made them much higher.

Kelly's poll is insane, TAMU at 11?

Also, those people out west from shite schools voting Nevada in the top 10?

"a better way to transfer money to heirs federally tax-free."

It is only a good buy for this purpose if:

1) you have a taxable estate too large for other estate planning mechanisms to deal with (generally more than $6.0 million single $12.0 million couple). I know we expect the exemption to return to $3.5, but with use of entity discounting, GRATS, lifetime exemption giving, and other higher level estate planning tools you can easily turn 6.0 into 3.5 without much effort;

2) your estate is too illiquid to pay the tax (ie. all in a business or farm land, etc.) AND it would be difficult to borrow against it cost effectively AND you want your heirs to continue to hold the illiquid assets instead of sell it (they work in the business, etc.); and

3) you buy the policy in a special life insurance trust set up through a lawyer, otherwise its still in your estate anyway and it defeats 1-2.

It is obviously a rare person who needs life insurance for estate tax purposes (most people who might need it can diversify their holdings and/or save from their income to provide sufficient liquidity to deal with any estate tax)

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Mine all worked out. so it can be done.

If you can bring another company apart from the employer into the mix then there is a chance at some money, and if there was a product that failed then you have a products liability claim, but they won't likely get anything from the employer other than WC.

However there is also a provision called the statutory employer election, Company A can contract to do work for Company B and put a "statutory employer clause" in the contract, then injuries to employees of company A while working for company B will also be wc and you can't sue company b. The plants have started using this more with their contractors to prevent big injury awards. Of course the employees don't know about this until something has happened.

Is it in Louisiana?
If so, the worker's comp focused attorneys are generally of less quality than good trial lawyers (worker's comp only cases don't pay much for lawyers so only crap ones do it) and if theysign with one of them they might end up making a mistake.

what city? I don't do this type of work, but might suggest a few people to avoid. for example LINK

You can have a beneficiary such as "the trust created under Article IV of my Last Will and Testament dated ______" A few annoying insurance companies require the trust to be in existence and have an issued taxpayer ID no., in those circumstances we have created a very simple (one page) trust that has a pour over into the estate 60 days following death, thereby following any will provisions dealing with young kids.

I see you are in texas and can't speak to the efficacy of quicken wills, they may be ok over there.

However, the do it yourself will in a box type thing almost always gets people in trouble in Louisiana. The form requirements aren't met or the trust provisions are void because it doesn't comply with the La. Trust Code (there are a variety of things they do in all the other states that our trust code doesn't allow). Its an amazingly good way to screw up your heirs lives and is easily prevented by a simple legal consultation.

I just had a AC problem and have an AHS warranty, obtained when purchased house in fall.

It broke the friday night of memorial day, so i don't get called until tuesday and they come Wednesday only to say its frozen over and they'll come back Thursday.

On thursday its 'fixed' and then friday when i get home from work its frozen over again and 80+ degrees in my house. As its the weekend I don't get called until Monday.

By this point AHS, to their credit, agreed to switch me to another contractor. This one came out this morning, and immediately identified a part that needed to be replaced, it was covered and they are putting it back in tommorrow.

The second company was great the first was complete sh*te. So its a mixed bag, the good news was that I figured out that if I don't run the air below 76 it won't freeze and will keep working, so I wasn't completely uncomfortable during this wait, had I been I'd probably be against the warranty.

the senate version creates a new $15,000 that won't have to be paid back, but those people who bought in 2008 will fall under the $7,500 and it will have to be paid back. I think they are both dumb, but if you don't like the disparate treatment write to congress and tell them so.

Unfortunately no one in our congressional delegation has any influence any more, particularly on tax matters, so I write to the leaders from both parties and all of the members of the relevant committees when I'm in a tizzy. I know it does no good either, but sometimes it does make one feel better.