Estate planning not just for the wealthy in Tennessee | Tennessee ...

A person in Tennessee who has not begun estate planning may have resisted due to the thought that it was only for those who were wealthy. However, using tools such as wills or trusts can assist a person regardless of the size of their estate. In fact, the distribution of assets may be eased for heirs when estate planning documents are created due to the fact that the wishes of the deceased are clear.

Using a will in estate planning is one of the most common methods. In a will a person can appoint an executor who will distribute the estate according to the directives of the documents. This signed and witnessed estate planning instrument can detail individual items that a person wishes to leave an heir.

Unlike a trust, a will must be probated in most cases. This process can involve the court and will likely make the financial life of a person known to the public. The cost of probate to heirs often leads those who are beginning estate planning to consider creating a trust for their assets.

With a trust, such as a revocable living trust, a person planning an estate places all of their assets into the instrument while they are still alive. Additional assets can be added to the trust as they are acquired. The reverse is true for assets that have been sold or disposed of prior to death. At the time of a person's death, the trustee who has been appointed to administer the estate will distribute the trust according to its directives. This type of trust does not need to be probated in the court.

There are many types of trusts and wills to be considered in estate planning. Each estate has different needs. It does not matter the size of the estate to be planned, but it is important that a person in Tennessee make their wishes known to their heirs.

Source: DentistryIQ, "Estate Planning Is Not Just for the Rich and the Famous," May 8, 2012

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Rheem Water Heaters - IdeaMarketers.com

One of the last appliances to be thought of is one of the most used appliances in a home. Not many people consciously think of their water heaters when they think of their home appliances. As it comes time to replace them, more people should consider Rheem water heaters.

Rheem water heaters are manufactured to fit a wide variety of needs. There are some people that want to conserve energy, heat unconventional places and some people just want to save space. No matter what their concerns are, Rheem has created a water heater that will satisfy those concerns. They take the thought out of choosing a water heater.

There are some people that want to have a completely modern home. They don't like the thought of having a bulky water heater in their basement, wasting valuable space. As these homeowners look for different products, they find that Rheem offer a tankless water heater. These water heaters are compact, not weighing more than 55 pounds. These tanks can heat water on demand and continue a steady stream of hot water through the home as needed.

There are a lot of people that are concerned with their carbon foot prints. These individuals want to live a healthy lifestyle without leaving a negative impact on the environment. Many are surprised that there are Rheem water heaters powered by the sun. The solar powered water heaters make it easy for people to save money on their utility bills. There little to no gas or electricity that is used to heat water. Since there is less gas and electricity used, there are fewer gas emissions released.

There are some people that are able to have the luxury of a spa or pool at their home. When they want to heat either of them, they are able to find Rheem water heaters to heat them. These water heaters allow people to continue to use their pools and spas all year round.

Despite all the advances and ingenuity, there are many people that don't want to leave a traditional water heater. These individuals like to have a tank water heater and Rheem has upgraded their design. These tanked water heaters are redesigned to consistently meet the demands of families and efficiently heat water. Not only are they efficient, they are environmentally friendly.

Businesses can also take advantage of the quality that Rheem water heaters give. There are many businesses that need to have hot water available and the commercial water heaters are strong enough to keep up with the demands. There are many varieties that businesses can choose from.

Rheem water heaters have been available since the 1930s. They have set the industry standard for water heaters for many years. Their water heaters are tested to exceed industry regulations and standards. The people at Rheem believe in their products and it shows in the wonderfully produced water heaters that are sold nationwide.

I'm a handyman with an interest in gas water heaters. For more resources and information, check out Washington Energy Services.

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Kim Kardashian and Kanye West Make Red Karpet Debut at Kannes Film Festival

We've seen Kim Kardashian and Kanye West on the streets of New York City... on a video shoot... and in a trailer for Keeping Up with the Kardashians.

But this kontrived kouple finally settled in to where Kim is most komfortable last night: on a red karpet, posing for photographers at the Cannes Film Festival for the premiere of Cruel Summer, a moved produced by West.

The flick centers on a Lamborghini car thief who falls for a beautiful blind Arabic girl and attempts to help her see again.

Based on Kanye's expressions in these photos (click on each to enlarge), it appears that he may finally be seeing what he's gotten himself into. Or who, we should say.

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Josh Mandel Attacked Over $65 Billion Pension Flub

Ohio Treasurer Josh Mandel

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How to Profit from Nonprofits as a Designer | Creativeoverflow

Just because an organization is a nonprofit doesn?t mean there?s no profit to me made from it. And for a number of reasons, not all readily apparent, working with organizations serving the common good can do a lot of good for your bottom line.

However, designers seeking to gain a toehold in the nonprofit market should be mindful of fundamental differences between for-profit and not-for-profit organizations, however. The biggest and most obvious difference, of course, is for-profits seek to make money for owners or shareholders. Nonprofits seek to achieve a purpose.

While customers of goods and services support a for-profit, nonprofits get the bulk of their money from sources that include supporters, donors who believe in their mission, grants, and public funding.

Why nonprofits are good prospects

There are a number of reasons to solicit business from nonprofits, reasons that can vary at various stages of a career.

If you?re just starting out, nonprofits can offer the opportunity to build a portfolio if you offer free or reduced price services. Perhaps a nonprofit will consider promotional considerations in lieu of payment, acknowledging your services on their website, in printed materials or in other ways. If services are rendered in connection with an event, for instance, programs, tickets and other items carrying your name and logo can be invaluable advertising.

More seasoned designers might choose to pursue nonprofits because there is less competition for their business and it can be a profitable niche if approached correctly.

Profiting from more than just money

Even if you?re an established business, offering free or reduced price services can be extremely beneficial. A nonprofit can offer a great opportunity to showcase your work, especially to its board members, who are often business and civic leaders. And nonprofit work can create excellent opportunities to network with those board members.

Self-promotion of your charitable work can also be highly effective advertising, since it conveys positive attributes other prospects will find appealing. And since self-promotion is a natural consequence of promoting the nonprofit, it doesn?t appear self-serving.

Also, staff and board members of nonprofits in particular geographic areas typically network, and a job well done for one can easily translate into work from others. Naturally, the ripple effect of a job done poorly can have opposite results.

Finally, there?s the satisfaction of knowing you?re helping a good cause, especially if it?s one you have a personal stake in. But for most designers, the best reward is fair and reasonable pay for their services.

Pitching to nonprofits

While the cost of services is a big consideration for most nonprofits, it is not the only or always the most important.

Show empathy ? Since nonprofit directors are typically idealists, it?s natural they prefer to do business with individuals and companies of like mind. Doing your homework to understand a nonprofit?s history, mission and needs can go a long way in getting your foot in the door.

Multiply your value ? Nonprofits typically work on long-term goals with long-term budgets and are always looking to stretch their dollars. With website design, for instance, one obvious way of doing this is for an organization to handle its own routine maintenance and upkeep of the site. While some designers might consider offering training to help a nonprofit accomplish this is losing potential business, it and similar cost-saving solutions can help seal the deal.

Don?t limit the possibilities ? Just because nonprofits keep tight reigns on their budgets doesn?t mean they?re not open to new ideas, especially if those new ideas help raise more money or better disseminate their message. What social networking and ecommerce needs might you offer, for instance, and how would an organization benefit?

Don?t sell cutting-edge technology ? While many for-profit businesses want to be seen on the cutting edge of technology, most nonprofits could care less. They don?t have the budgets or existing infrastructure. Instead of selling the latest technology, concentrate on how your knowledge, the organization?s existing technology and low-cost or no-coast technologies can best serve their mission.

Getting started

Getting started with marketing to nonprofits is as simple as an online search for ?Yourtown nonprofits? which should result in a number of directories listing nonprofits in your area.

For more in-depth research, Guidestar offers nonprofit reports and IRS Forms 990, which lists where an organization?s money came from and how it was spent. A free registration is required. A similar site geared more toward nonprofits seeking funding is FoundationCenter.

Other websites worth checking out include VolunteerMatch, which can help target organizations seeking specific services like website design, and the federal government?s official nonprofit web portal.

About the Author: This guest post is written by Eric Nacul, a tech enthusiast who enjoys writing freeware reviews at BestFreeOnline.net.

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Incense Use in Aromatherapy | Baby care | Health and Fitness ...

Numerous people trust in the therapeutic, healing and relaxing qualities and results from aromatherapy. This intelligence may be helpful to those that aren?t mindful of the vital role that herbal and resinous incenses can sport in this type of healing. So what is aromatherapy and why do so numerous people use, enjoy and find it so helpful? Well aromatherapy basically consists of diverse methods of relaxation which involves pertaining and other natural fragrances which are introduced into your individual space, usually a small comfortable space. The primary intention of which is to gently wheedle your mind and body into a down-reaching state of peaceful healing relaxation.

Incenses can likewise be used in the aromatherapy treatment. In most cases these treatments are chosen to be useful with headaches, anxiety, stress-connected issues, insomnia as well other ailments. A broad variety of many herbal and spice enrage blends contains some significant amounts of these advantageous oils. The oil of lavender for example, is considered useful for insomnia and stress headaches. Another large example is the peppermint oil which is good for walk sickness, nausea and it is also good as a intellectual stimulant. Also, eucalyptus is well known for existence quite effective for those who have colds or coughs, time rose and sandalwood oils are best known for their express emotional effects and help stimulate the conception . There are literally hundreds of varieties to select from be it resin, herbal, spice or a union of these ingredients. There will certainly be a type or blend of incense available to fit nearly any aromatherapy need or specific treatment.

Aromatherapy is considered as existence an alternative to the classic medicine practice and it focuses on using the curative abilities of most essential oils, whether they approach from tree leaves, flowers or vegetable resins. These oils which bestow the plants and flowers their fragrance and astonishing aroma are what many consider to be the operative medicinal and healing component. These ?of nature oils? are included in many commercial pharmaceuticals like as bath oils, skin care products and other treatments as one of their operative ingredients. Many of these same oils are likewise used in significant amounts in better pertaining incense brands available today and can be used for the identical purpose as the essential oil is used just in a distinct delivery method. They play an weighty role in aromatherapy now and can be used in most of the identical type of aroma remedies. Incense is a astonishing addition to any holistic type treatment.

Numerous people and faiths profess the use of incense aromatherapy to be of large significance in the aspect of metaphysical healing and soundness due to the variety of powerful Spiritual qualities that these aromas are widely believed to own. To Health, Love and Enjoyment Peace!

Rev. Roger Marlow Ordained New Cogitation Practitioner and Reiki Master. Owner possessor http://www.incense-incense.com/ Your online origin for the finest incense in the world.

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Meg Whitman: HP's engineering is very much still alive, aims to be cloud computing leader

HP sure knows how to wrap up a party -- by letting its CEO make a surprise appearance right at the end of the show. Joining Todd Bradley on the stage, Meg Whitman reassured the audience with her company's "commitment to fantastic products," and that "engineering is very much still alive from HP." In regards to the recent merger of HP's Imaging and Printing Group with Personal Systems Group (which changed this week's show entirely), Meg -- who's a big believer in focusing tasks -- is confident that Todd's new team will deliver a united brand and a unified design language, thus making the PC business stronger with the best customer experience and customer support.

Additionally, Meg seems to be getting along just fine with the board, saying that they are deeply engaged to plot a brighter future for HP. Under Meg's supervision, HP is doubling down on R&D and incubation, as well as aiming to be a leader in cloud computing (she claims that HP is already the largest provider of private cloud services) and security by bringing a full host of benefits that the competitors lack. When asked about HP's mobile and tablet strategy, Todd skirted around by emphasizing the happy partnership between HP and Microsoft on tablets, but he also said that markets evolve and change all the time, and that his company's well aware of the differences between the needs of enterprises or small businesses and the needs of consumers. So in other words, stay tuned.

Meg Whitman: HP's engineering is very much still alive, aims to be cloud computing leader originally appeared on Engadget on Thu, 10 May 2012 05:17:00 EDT. Please see our terms for use of feeds.

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The Instagram Socialmatic Camera Concept Would Bring The Photo Sharing App To Real Life

Once upon a time a company pioneered simple photo sharing. By allowing consumers to easily take and share pictures, photography became a part of everyday life. Now, several generations removed, Polaroid is essentially an empty shell of the once iconic brand it used to be. The Instagram Socialmatic Camera is just a concept currently, but it attempts to revive the Polaroid movement with a little help from every hipster's favorite mobile app, Instagram.

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Strikeforce presents a reminder of how Josh Barnett and Daniel Cormier got to finals of the grand prix (VIDEO)

Strikeforce's heavyweight grand prix will end next Saturday as Daniel Cormier faces Josh Barnett in the final. Since the eight-man tournament has been through many twists and turns, here's a handy-dandy reminder of the wins, losses, and those super-cool lettermen jackets.

Cormier's spot in the finals is particularly surprising considering he was a replacement for Alistair Overeem, who found his way to the UFC after making it to the semifinals of the grand prix. Will his undefeated streak continue, or will Barnett walk away the champ? Tell us in the comments, on Facebook or on Twitter.

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Hands On: HTC Droid Incredible 4G LTE Impresses With Speed, Sharp Display

In our limited time with the Incredible 4G LTE, we found the phone's performance to be fast. It launched apps, loaded websites, and played video with ease on Verizon's 4G network from within New Orleans' Ernest N. Morial Convention Center.

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Things Buyers Should Understand About Royalty Free Stock Images

The license to use a photo as provided by a photographer has a basic difference with the image itself. For the case of a royalty free license, the holder gains the freedom to use the image multiple times for various purposes. Such licenses to use any stock photos are normally bought except in circumstances where it is provided freely.

After paying for the royalty free license, you can use the photo multiple times for a variety of purposes without paying anything. Royalty free basically means free royalties. However, it only covers the use of the photo, while all the other rights remain with the photographer.

The royalty free licenses, however, do not provide exclusive rights to the buyers. The photographer who sells them reserves all the other rights. They are, therefore, within law to sell the same thing to as many people as they wish to.

The photographers, however, need to consider certain things before selling any of their works.

They need to properly know the guidelines and policies of the agencies buying their images. It is important to clearly understand whatever terms and conditions apply to the transaction before it is finalized. The photographer must be sure that they are comfortable with all the terms.

It is also essentials for a photographer to ensure that they do not submit any work containing copyright contents or trademark. Such materials include but are not limited to company logos and other related images. They should, therefore, employ the use of image editing tools, some of which are available online, to remove such contents.

A photographer need to make their images easily accessible to would be purchasers.

This could be enhanced through the use of as many relevant keywords as possible to describe their images. There are many individual buyers or companies ever looking for nice images to buy. The keyword used determines how easy it becomes to get an image out of the thousands available over the internet.

Use of the right keywords to describe the image is also very important for it to sell. The photographer has to use as many relevant keywords as they can when submitting an image online. This does great in making their work easily accessible for purchase, which is the most important thing. The use of the right keyword is just as good as shooting a nice photo.

Good images need to portray some concepts. Such images tend to sell more than those without any concept at all. A photographer needs to concentrate on bringing some catchy concepts before submitting any work. There are a number of concepts including, finance, satisfaction, love etc.

For an image to be marketable, they have to be in line with the in thing at the moment. An artist, therefore, needs to look around and find out the works that are mostly used in the ads. This gives an idea on what is currently in much demand. There are many sources of such information like the billboards, magazines, television, newspapers etc.

To enhance the subject of stock photos, it is advisable to keep the background uncluttered. This enhances the subject the creator wants to be communicated. Some of the most popular images are of people.

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