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Why estate planning is so important, and not just for the rich. You have an estate. Rich or poor, when you die, you leave behind an estate. For some, this can mean real property, cash, an investment portfolio and more.

If the estate is small, should you still plan? Do you have a spouse? Should it go to just one of them, or be split between them?

This, quite simply, is what estate planning is all about — deciding how what you have now money and assets will be distributed after your lifetime. Do you HAVE to create an estate plan?

So in my opinion, everyone should do some form of estate planning. Your estate plan could include wills and trusts, life insurance, disability insurance, a living will, a pre- or post-nuptial agreement, long-term care insurance, power of attorney and more. Why not just a will? Did you know that your heirs could encounter legal hassles … even if you have a will?

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Estate planning can include items like properly prepared and funded trusts, which could help your heirs to avoid probate. Where do you begin?

I recommend that you speak with a qualified legal or financial professional — one with experience in estate planning. A qualified financial professional may be able to refer you to a good estate planning attorney and a qualified tax professional, and lead a team effort to assist you in drafting your legal documents. This material was prepared by MarketingLibrary. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy.

Please note — investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.

This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such.

All indices are unmanaged and are not illustrative of any particular investment. Your email address will not be published. Leave a Reply Cancel reply Your email address will not be published.

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Sucked me in instantly! The smell of fresh-baked bread reminds me of 9 pm at a 16th century mill in a tiny town in Maryland that contained a French Boulangerie years ago. The French bakers would have proofed and risen the bread by that time of night and just about finished fishing out the first batch of baguettes, boules, and brioche out of the brick oven on their peels.

If I close my eyes, I can almost transport myself back there now…. Congrats on finally enticing me to come out of the Irish internet shadows and respond to one of your posts! The smell of fresh-baked bread reminds me of sleepy Sunday mornings as a child. The smell of fresh baked bread reminds me of my first, less than successful, foray into real home cooking. The smell of fresh baked bread reminds me of home, as a teen, waking up late after a night out, the aromas dragging me downstairs for breakfast while my folks ate lunch.

The smell of fresh baked bread reminds me of baking the weeks bread on a Sunday night with my mother. The smell of fresh-baked bread reminds me of the strange combination of both calm and focus that radiates through me every time I set myself the rewarding challenge of baking some bread, I really should do it more often than once every couple of weeks….

The smell of fresh baked bread will forever remind me of my grandmother and the hours I spent learning about cooking and baking with her.

The smell of the turf,the taste of the bread brings back wonderful memories of a very happy time. The smell of fresh-baked bread reminds me of home. Of my gran and my mum. Sunday afternoons with my family. I really want to create these kind of memories with my son. She got a starter from a neighbor when we moved to San Francisco, and when I got home from school she would just be pulling rolls, or loaves of bread out of the oven.

We would break off pieces of it still hot and put loads of butter on it. An American in Ireland is powered by WordPress 4. Connections Reloaded by Ajay D'Souza. Spelt Country Round makes 1 medium-sized round of bread grams spelt flour grams strong white flour 5 grams of fast-acting dry yeast 5 grams of sea salt mls of tepid water Extra flour and a small bit of semolina or cornmeal In the mixer bowl, add in both flours, yeast and sea salt and combine using the paddle attachment.

August 31, at 9: August 31, at 1: August 31, at 3: August 31, at 4: September 1, at 1: Mark O' Brien says: September 1, at 7: September 1, at 8: September 1, at 9: September 1, at September 1, at 2: September 1, at 3: September 2, at 1: September 3, at September 3, at 2: September 11, at 1: More realistic is that the throughput becomes smaller, for instance.

It is only a simple example that illustrates the developed framework see Figure 1. This example stresses the importance of the time horizon for evaluation of resilience or robustness of an ATM system. One decision-making chain corresponding to the framework is shown in Figure 2. The colors of arrows in Figure 2 are similar to the colors of the analogous blocks in Figure 1.

This section is based on [1]. As it is already indicated in the definitions 7 and 8, robustness and resilience of a system depend on its specified reference state. The specification of an actual reference state enables all five reactions and actions of the system on a disturbance, which are summarized in Figure 1. Hence, the system can be robust or resilient against the considered disturbance. However, if a realistic potential reference state is specified, the system cannot be robust against a disturbance, since the system is under stress at the moment of the specification see Figure 3.

The specification of a nonrealistic potential reference state influences the system so that it cannot be robust or resilient against a disturbance, because it is under stress and cannot return back to this reference state see Figure 4.

The specification of a potential reference state, realistic or not, should be considered as a disturbance factor for the system. This disturbance causes stress and the system cannot be robust against such disturbance. However, it can be resilient against a realistic potential reference state. A nonrealistic potential reference state leads either to lethal stress or to survival stress with permanent perturbation and, as a consequence, either to modification of the system or to a new reference state.

The time of deviation with respect to its reference state is the duration, whilst the state of a system accumulates its maximal difference, taken on from the moment when the system abandons this state. Time of recovery is the duration a system needs to return from the maximal deviation state to the reference state.

Hence, one can distinguish among:. The idea of this concept of measuring is originated in material testing [5]. Quantitative resilience can be measured as. Another qualitative and quantitative measure of resilience or robustness can be cost related when increasing resilience or robustness of a system.

For instance, time buffers or expansion of the system with regards to integration of other transportation systems or the extension of resources could be introduced. All these procedures are inducing further costs. Other methods to measure resilience and robustness, different to the ones described above, could be defined according to the goals of stakeholders involved in the process. This section is based on [4]. As explained in the section Definitions , a robust behavior of a system means, that in case of an occurring disturbance its state remains within the boundaries of the specified reference state, which in general is given as a domain or as a set.

In contrast to that, resilient behavior means that the state of the system crosses the boundaries of this domain or leaves this set for a particular period of time. Since resilience and robustness are depending on a defined reference state, a time horizon as well as a particular disturbance and are determined by the means of performance indicators, both properties can be investigated in the same manner. Taking into account all said above adherence to the following sequence is crucial when investigating resilience or robustness:.

In order to obtain a more robust or more resilient system against a particular disturbance one has to:. To perform this investigation a modelling approach along with the real data is needed, which can consider all relevant features of the system on one level of detail, but is realizable.

In order to investigate resilience and robustness of an ATM System and to identify ways of their improvement, a modeling approach has to be formulated that on the one hand considers all relevant features of the system, but on the other hand, due to the fact that it is a first approach applying the new concept of resilience and robustness, it has to be realizable.

Resilience and robustness of a socio-technical system are formulated depending on changes of performance indicators after the occurrence of disturbances. The aim is to investigate resilience and robustness of a socio-technical ATM System. Regarding the increasing importance of collaborative decision making processes in the future ATM System, as proposed by SESAR [6] , the accordant modeling approach aims to emphasize the sociological dimension of the system.

The goal is to draw conclusions how to improve the system in the range of decision making processes, making the system more robust or resilient against a particular disturbance. The division into two parts is adopted from the modeling architecture of widely spread simulation tools like Simmod PRO! To investigate resilience and robustness, a hierarchical structure of a selection of involved stakeholders was implemented in this modeling approach.

The structure is adopted from the work in [7] and represents the segmentation of the inherent stakeholder hierarchy.

Superior to this structure, socioeconomic expectations of the society are formulated. The main stakeholders are resolved in a division level and an individual level successively. When necessary, one can keep track of a decision made at a particular level by following the according lower level, revealing the interrelations in more detail. The interactions between the different stakeholders are depicted at the highest level exemplary.

A simple example serves to illustrate the principle of the modeling approach. An aircraft delayed because of resource shortages during the turnaround process at the airport will receive a new slot by the air traffic flow manager. Ground- and runway controller are guiding the pilot till the ATC takes over.

Because of weather disturbances, a sector controller might chose a trajectory different to the one originally planned the red respectively blue dotted line in Figure 8. Any decisions occurring during this flight leg should be traceable in the hierarchical structure. This article is under construction. Please do not rely on any information it contains. Impact of a disturbance on an ATM System.

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Perturbation - an effect - an action of a system the response of a system to the possible or current significant undesirable changes of the state of the system caused by a disturbance. So a system, which is influenced by a disturbance, can have no stress or can react by stress and in the case of survival stress act by transient or permanent perturbation see Figure 1. This framework enables us to define robustness and resilience of a system. Robustness is described as the ability of a system to absorb a disturbance while resilience is given as the ability of a system to return back within a specified time horizon since a disturbance had occurred.

Robustness - the ability of a system to experience no stress since a disturbance had occurred, i. Resilience - the ability of a system to respond on a disturbance within a time horizon by transient perturbation, i. Both introduced terms - robustness and resilience of a system - are time dependent, i.

The action of a system remaining in the framework see Figure 1 - permanent perturbation - leads to a new reference state of the system and the remained reaction of a system - lethal stress - causes its modification. The developed concept has clear differentiation between the terms robustness and resilience. A grade of an influence of a disturbance on a system is illustrated in Figure 1 schematically by a color and by a depth of the colored blocks: Because of the universal character of the terminology with respect to the characteristics of socio-technical systems, it can be applied generally or at specific subsystems of an ATM System as well.

Therefore it enables investigating resilience and robustness at different levels of detail as well as at different scales of expansion of an ATM System. A further important point in the developed framework enables measurement of resilience and robustness, since if they are not quantifiable they are not improvable. This section is based on [1] [4].

However, this situation is possible at the airports working under its nominal capacity only. More realistic is that the throughput becomes smaller, for instance. It is only a simple example that illustrates the developed framework see Figure 1. This example stresses the importance of the time horizon for evaluation of resilience or robustness of an ATM system.

One decision-making chain corresponding to the framework is shown in Figure 2. The colors of arrows in Figure 2 are similar to the colors of the analogous blocks in Figure 1. This section is based on [1]. As it is already indicated in the definitions 7 and 8, robustness and resilience of a system depend on its specified reference state. The specification of an actual reference state enables all five reactions and actions of the system on a disturbance, which are summarized in Figure 1.

Hence, the system can be robust or resilient against the considered disturbance. However, if a realistic potential reference state is specified, the system cannot be robust against a disturbance, since the system is under stress at the moment of the specification see Figure 3. The specification of a nonrealistic potential reference state influences the system so that it cannot be robust or resilient against a disturbance, because it is under stress and cannot return back to this reference state see Figure 4.

The specification of a potential reference state, realistic or not, should be considered as a disturbance factor for the system. This disturbance causes stress and the system cannot be robust against such disturbance. However, it can be resilient against a realistic potential reference state. A nonrealistic potential reference state leads either to lethal stress or to survival stress with permanent perturbation and, as a consequence, either to modification of the system or to a new reference state.

The time of deviation with respect to its reference state is the duration, whilst the state of a system accumulates its maximal difference, taken on from the moment when the system abandons this state.

Time of recovery is the duration a system needs to return from the maximal deviation state to the reference state. Hence, one can distinguish among:. The idea of this concept of measuring is originated in material testing [5]. But with a stand mixer, I can easily whip up a batch of homemade bread even on a weeknight after work, and that to me is priceless. HiFi-Tower is also giving me another Klar Stein, exactly as you see it here, to give to one lucky blog reader.

All you have to do is leave a comment on this blog post only one entry per person — multiple entries by the same person will be automatically disqualified and fill in the blank: The competition closes at midnight on Sunday, September 1 st.

In the mixer bowl, add in both flours, yeast and sea salt and combine using the paddle attachment. With the mixer on a low speed setting , slowly add in the tepid water. The dough will start to come together quite quickly and all the flour should incorporate into the water and form a sticky dough.

Let it mix on for another 3 minutes still using paddle attachment here. It will be very sticky at first, but after a few minutes it will start to pull away from your fingers and form into a more smooth dough. Continue to knead the dough for another minutes, or until the dough is very smooth. Let the dough hook do its job for about 4 minutes, or until the dough is very smooth.

At this stage, everything is the same for both mixer and handmade: Form the dough into a ball and place in a lightly oiled bowl. Cover with cling film and put into a warm place I use my hot press for 1. After the dough has doubled in size, carefully tip it out onto a lightly floured surface and press the air out of the dough with your fingers. Do this for about minutes, or until the air is knocked out. Let it rise again in a warm place for 45 minutes.

Preheat your oven to C, and place a baking pan on the floor of your oven. While the oven is heating up, sprinkle some semolina or corn meal onto a baking tray — this helps the dough from sticking to the pan.

Tip the dough out carefully onto the baking tray, and then slash the top — I usually do a square slash on the top, but you can do whatever design you like. When the oven is ready, open the door and pour a small cup teacup of water into the baking pan on the floor of the oven, now quickly put your baking tray in the oven not on the baking pan but on a rack above it and close the door.

Let it bake for 10 minutes, then turn the temp down to C and bake for another 30 minutes, or until the bread is golden brown. Tap the top and bottom of the bread after you remove it from the oven — it should have a nice, hollow sound. I used to volunteer in a charity shop in the centre and on the way home me and my friend would call into the bakery nearby. You have an estate. Rich or poor, when you die, you leave behind an estate. For some, this can mean real property, cash, an investment portfolio and more.

If the estate is small, should you still plan? Do you have a spouse? Should it go to just one of them, or be split between them? This, quite simply, is what estate planning is all about — deciding how what you have now money and assets will be distributed after your lifetime.

Do you HAVE to create an estate plan? So in my opinion, everyone should do some form of estate planning.

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