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Posted by Richard Bejah at 5 Feb 2010, 3:05 PM | Add Comment

Top tips in preparing a Will

Financial Quote "If you as parents cut corners, your children will too. If you lie, they will too. If you spend all your money on yourselves and tithe no portion of it for charities, colleges, churches, synagogues, and civic causes, your children won't either. And if parents snicker at racial and gender jokes, another generation will pass on the poison adults still have not had the courage to snuff out." ~Marian Wright Edelman

Top tips in preparing a Will
By AMP Certified Financial Planner
Richard G Bejah CFP

Making a Will may not be as interesting as investing in the share market, but it’s an essential part of protecting your assets in the event of your death. A Will is particularly important if you have a family or dependents, as it ensures that your estate is handled according to your wishes.

Dying without a Will can lead to unnecessary cost, delays and stress for your loved ones. While there are plenty of ‘do-it-yourself’ kits available, it’s a good idea to get legal and financial advice to ensure that any complex issues are dealt with appropriately.

1. Define your objectives

Spending some time to think about what you want to happen in the event of your death will make the preparation of your Will much easier. This is particularly important if your personal situation is complicated and you have children from a previous relationship, stepchildren or own a business.

2. Make a list of your assets

Before seeing a solicitor about drawing up your Will, make a list of everything you own. This should include any property, investments, shares, cars, house contents and cash accounts.

Many superannuation funds allow you to make a binding nomination, which is a direction by you to the trustee to pay your super to specified beneficiaries in the event of your death. Without a binding nomination, the trustee has the discretion as to whom to pay your super. This can get complex in blended family situations.

3. Estimate your outstanding debts

Make a list of your liabilities including mortgages, bank loans, margin lending facilities or hire purchase agreements. Knowing your total liabilities will help you make decisions about distributing the rest of your assets.

4. Prepare a list of family members and beneficiaries

You can leave your estate to whomever you want to, including charities. However, your Will can be challenged in some circumstances (for example by a spouse or child) if inadequate provision has been made for that person’s needs in the Will. That’s why it’s important to obtain legal advice when making a Will. Note that if you want to leave assets to someone who is under 18, those assets must be held in trust until that person turns 18. When distributing your estate, consider the needs of your beneficiaries. For example, would you like to help fund the education requirements of your grandchildren? Another very important consideration is who will look after your children if they are under 18.

5. Consider issues like tax

When developing a Will, you need to consider the best strategies to help your beneficiaries save on taxes when they inherit assets from you. It’s recommended you get professional advice.

6. Choose an executor

Being an executor of a Will can be a complex and time-consuming task, so ensure that you choose someone who is capable of handling the role during a potentially stressful period. It's common for your executor to be a professional (usually a lawyer or accountant) or a family member. Ensure that you have their permission before appointing them.

7. Store your Will in a safe place

It’s important to let your executors know where you’ve stored your Will. Keeping a copy with your solicitor is a good way to prevent it from being lost in your paperwork at home.

8. Revise your Will regularly

It’s recommended that you revise your Will about every 5 years or when your circumstances change. This includes when you get married, separated, divorced, move house or have children.

If you have any questions about preparing or updating your Will please feel free to contact us.

*Richard G Bejah CFP is an Authorised Representative of AMP Financial Planning Pty Ltd, ABN 89 051 208 327, AFS Licence No. 232706.

Any advice given is general only and has not taken into account your objectives, financial situation or needs. Because of this, before acting on any advice, you should consult a financial planner to consider how appropriate the advice is to your objectives, financial situation and needs.

Richard G Bejah Dip FP, ANZIIF(Aff) CIP, AFPA,

Certified Financial Planner
& Authorised Representative
AMP Financial Planning Pty Limited
ABN 89 051 208 327
AFS License Number 232706

Richard G Bejah
Trading as:- bejahfinancial.com.au
ABN 86 060 700 547

1 Alpine Crescent Grindelwald Tasmania 7277
Tel:- (03) 6330 2510
Fax:- (03) 6330 2149
Mobile 0417 399463
e-mail: richardg.bejah@ampfp.com.au

Internet: http://onlinefinancialplanner.net

CFP®, CERTIFIED FINANCIAL PLANNER TM and are certification marks owned outside the U.S. by Financial Planning Standards Board Ltd. Financial Planning Association of Australia Limited is the marks licensing authority for the CFP Marks in Australia, through agreement with FPSB.

@bejahfinancial

DISCLAIMER:
The information in this article does not take into account your objectives, financial situation or needs. Therefore before acting on the information, you should consider its appropriateness to your circumstances. Although this information was obtained from sources considered reliable, it is not guaranteed to be accurate or complete. This publication was taken from an article prepared by AMP Financial Planning Pty Ltd ABN 89 051 208 327. The information when published was correct and may change over time.

AMP Financial Planning Pty Limited ABN 89 051 208 327, Australian Financial Services Licence No. 232706.
Information from this site is only made available through our terms and conditions.
Please also view our privacy statement and Financial Services Guide.

Posted by Richard Bejah at 4 Feb 2010, 6:52 PM | Add Comment

Packing Your Parachute

http://bejah.iSofa.tv

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Today's TOPIC
"Good Intentions?
- Think b4 Communicate!"

BreakThru GENERATION

Daily Quote:- "We cannot live for ourselves alone. Our lives are connected by a thousand invisible threads, and along these sympathetic fibers, our actions run as causes and return to us as results." ~ Herman Melville

Packing Your Parachute
Author Unknown

Charles Plumb was a US Navy jet pilot in Vietnam. After 75 combat missions, his plane was destroyed by a surface-to-air missile. Plumb ejected and parachuted into enemy hands. He was captured and spent 6 years in a communist Vietnamese prison. He survived the ordeal and now lectures on lessons learned from that experience!

One day, when Plumb and his wife were sitting in a restaurant, a man at another table came up and said, "You're Plumb! You flew jet fighters in Vietnam from the aircraft carrier Kitty Hawk . You were shot down!" "How in the world did you know that?" asked Plumb. "I packed your parachute," the man replied. Plumb gasped in surprise and gratitude. The man pumped his hand and said, "I guess it worked!" Plumb assured him, "It sure did.

If your chute hadn't worked, I wouldn't be here today."

Plumb couldn't sleep that night, thinking about that man. Plumb says, "I kept wondering what he had looked like in a Navy uniform: a white hat; a bib in the back; and bell-bottom trousers.

I wonder how many times I might have seen him and not even said 'Good morning, how are you?' or anything because, you see, I was a fighter pilot and he was just a sailor."

Plumb thought of the many hours the sailor had spent at a long wooden table in the bowels of the ship, carefully weaving the shrouds and folding the silks of each chute, holding in his hands each time the fate of someone he didn't know.

Now, Plumb asks his audience, "Who's packing your parachute?"

Everyone has someone who provides what they need to make it through the day. He also points out that he needed many kinds of parachutes when his plane was shot down over enemy territory -- he needed his physical parachute, his mental parachute, his emotional parachute, and his spiritual parachute. He called on all these supports before reaching safety.

Sometimes in the daily challenges that life gives us, we miss what is really important. We may fail to say hello, please, or thank you, congratulate someone on something wonderful that has happened to them, give a compliment, or just do something nice for no reason.

As you go through this week, this month, this year, recognize people who pack your parachutes.

I have posted this as my way of thanking you for your part in packing my parachute. And I hope you will pass it on to those who have helped pack yours!

Sometimes, we wonder why friends keep forwarding jokes to us without writing a word. Maybe this could explain it: When you are very busy, but still want to keep in touch, guess what you do -- you forward jokes.

And to let you know that you are still remembered, you are still important, you are still loved, you are still cared for, guess what you get? A forwarded joke.

So my friend, know that you've been thought of today and your friend on the other end of your computer wanted to send you a smile, just helping you pack your parachute.......

Stay positive and keep smiling..... Richard :0)

Want to know a bit more about Charlie Plumb.

Captain Charlie Plumb graduated from the Naval Academy at Annapolis and went on to fly the F-4 Phantom jet on 74 successful combat missions over North Vietnam. On his 75th mission, with only five days before he was to return home, Plumb was shot down, captured, tortured, and imprisoned in an 8 foot x 8 foot cell. He spent the next 2,103 days as a Prisoner Of War in communist prison camps.

During his nearly six years of captivity, Charlie Plumb distinguished himself among his fellow prisoners as a professional in underground communications, and served for two of those years as the Chaplain in his camp.

Since his return home, more than 4,000 audiences in nearly every industry have been spellbound as Captain Charlie Plumb draws parallels between his P.O.W. experience and the challenges of everyday life. He has shared his message to an even wider public through appearances on Good Morning America, Nightline, Larry King Live, and The NewsHour with Jim Lehrer.

One of the most sought-after achievement speakers of his time, Charlie Plumbs presentations are as he is, sincere, straightforward, humorous, and tailored to motivate each specific audience he encounters. His insights on how to cope with the difficulties as well as the opportunities in life have a positive impact on those who hear his message, those who read his books, and those who come to know him as a friend.

Captain Plumb's Military honors include two Purple Hearts, the Legion of Merit, the Silver Star, the Bronze Star and the P.O.W. Medal.

To learn more about Captain J. Charles Plumb, the professional speaker and the man, please delve further into the information included on this website.

For more information, feel free to contact his office at any time: 818 591-7007.

3700 Senda Calma - Calabasas, CA - 91302

Original Book Excerpt

INSIGHTS INTO EXCELLENCE
Packing Parachutes - Excerpt from Chapter 16
By Charlie Plumb

Recently, I was sitting in a restaurant in Kansas City. A man about two tables away kept looking at me. I didn't recognize him. A few minutes into our meal he stood up and walked over to my table, looked down at me, pointed his finger in my face and said, "You're Captain Plumb."

I looked up and I said, "Yes sir, I'm Captain Plumb."

He said, "You flew jet fighters in Vietnam. You were on the aircraft carrier Kitty Hawk. You were shot down. You parachuted into enemy hands and spent six years as a prisoner of war."

I said, "How in the world did you know all that?"

He replied, "Because, I packed your parachute."

I was speechless. I staggered to my feet and held out a very grateful hand of thanks. This guy came up with just the proper words. He grabbed my hand, he pumped my arm and said, "I guess it worked."

"Yes sir, indeed it did", I said, "and I must tell you I've said a lot of prayers of thanks for your nimble fingers, but I never thought I'd have the opportunity to express my gratitude in person."

He said, "Were all the panels there?"

"Well sir, I must shoot straight with you," I said, "of the eighteen panels that were supposed to be in that parachute, I had fifteen good ones. Three were torn, but it wasn't your fault, it was mine. I jumped out of that jet fighter at a high rate of speed, close to the ground. That's what tore the panels in the chute. It wasn't the way you packed it."

"Let me ask you a question," I said, "do you keep track of all the parachutes you pack?"

"No" he responded, "it's enough gratification for me just to know that I've served."

I didn't get much sleep that night. I kept thinking about that man. I kept wondering what he might have looked like in a Navy uniform - a Dixie cup hat, a bib in the back and bell bottom trousers. I wondered how many times I might have passed him on board the Kitty Hawk. I wondered how many times I might have seen him and not even said "good morning", "how are you", or anything because, you see, I was a fighter pilot and he was just a sailor. How many hours did he spend on that long wooden table in the bowels of that ship weaving the shrouds and folding the silks of those chutes? I could have cared less...until one day my parachute came along and he packed it for me.

So the philosophical question here is this: How's your parachute packing coming along? Who looks to you for strength in times of need? And perhaps, more importantly, who are the special people in your life who provide you the encouragement you need when the chips are down? Perhaps it's time right now to give those people a call and thank them for packing your chute.

Source:-
http://www.charlieplumb.com/

This Blog is to help in your life and lead to Success for you

I do hope you enjoy...

Richard Bejah :0)

IF you liked this BLOG checkout
my Last 3 Blogs:-

http://richardbejah.com/2010/01/20/attitude--and-the-power-of-one.aspx

http://richardbejah.com/2010/01/19/feeling-unappreciated.aspx

http://richardbejah.com/2010/01/17/little-harry.aspx

"If we all did the things we are capable of doing, we would literally astound ourselves." ~ Thomas A. Edison

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The Ultimate Twitter reference resources and over 370 tools for twitter Twitter

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Posted by Richard Bejah at 1 Feb 2010, 7:08 PM | Add Comment

Attitude … and “The Power of One"

http://bejah.iSofa.tv

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Played: 8 | Download | Duration: 00:01:02

         Take a 1 minute break.

Today's TOPIC
"Feel Numb?
Need help to leave past behind?"

BreakThru GENERATION

Daily Quote:- "Our attitudes control our lives. Attitudes are a secret power working 24 hours a day for good or bad. It is of paramount importance that we know how to harness and control this great force." ~ Tom Blandi

Attitude … and “The Power of One"

Getting the best from yourself and others all starts with ONE:

One thought … One word … One action.

“One” is the first note in orchestrating the personal attitude that shapes and directs your life – and impacts the members of your team. Contrary to the lyrics from a classic rock song, one is not the loneliest number.

It’s the most important one!

Your thoughts, words, and actions are like individual notes that work in concert to create the power of one person – YOU – to make a difference.

You can harness your “power of one”
if you simply:

• Catch one negative thought and turn it into a positive one;

• Think of one thing for which you are grateful at the beginning of each day;

• Say one “Fantastic!” when a friend or team member asks how you are doing;

• Assume the best in one upcoming situation;

• Keep on moving one more time when you experience adversity;

• Help one friend or colleague in a time of need – and take pride in it.

Many people used to feel that one vote in an election couldn’t really make a difference.

Well, recent political elections that have been decided by razor thin margins have proven them wrong.

A single act can make a difference … it can create a ripple effect felt many miles and people away.

So, ask yourself:
What’s one thing I can do today that will make a positive difference in my attitude?

Then DO IT!

Repeat that process every day and your life will improve – and so will the lives of the people you lead.

Attitudes are truly powerful … and they’re contagious!

Pass it on (to more than ONE other person)!

Author ~ Unknown

This Blog is to help in your life and lead to Success for you

I do hope you enjoy...

Richard Bejah :0)

IF you liked this BLOG checkout
my Last 3 Blogs:-

http://richardbejah.com/2010/01/19/feeling-unappreciated.aspx

http://richardbejah.com/2010/01/17/little-harry.aspx

http://richardbejah.com/2009/12/25/live-for-today-for-tomorrow-is-promised-to-noone.aspx

"If we all did the things we are capable of doing, we would literally astound ourselves." ~ Thomas A. Edison

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Posted by Richard Bejah at 29 Jan 2010, 7:26 PM | Add Comment

SUPER COMPUTER ANIMATION

SUPER COMPUTER ANIMATION -
Terrific one Must see...!!!!

Just click on the picture above,
click on play,

then leave the mouse alone , sit back and enjoy a piece of creative brilliance.

I wonder who had 'time' to do this.

Posted by Richard Bejah at 29 Jan 2010, 4:19 PM | Add Comment

Feeling unappreciated?

http://bejah.iSofa.tv

Daily Quote:- "No matter how grouchy you're feeling, You'll find the smile more or less healing. It grows in a wreath All around the front teeth - Thus preserving the face from congealing." ~Anthony Euwer

Feeling unappreciated?

Things Got Ya Down?

Well Then, Consider These . . ...

In a hospital's Intensive Care Unit, patients always died in the same bed, on Sunday morning, at about 11:00 am, regardless of their medical condition. This puzzled the doctors and some even thought it had something to do with the super natural. No one could solve the mystery as to why the deaths occurred around 11:00 AM Sunday, so a worldwide team of experts was assembled to investigate the cause of the incidents.

The next Sunday morning, a few minutes before 11:00 AM all of the doctors and nurses nervously waited outside the ward to see for themselves what the terrible phenomenon was all about. Some were holding wooden crosses, prayer books, and other holy objects to ward off the evil spirits.. Just when the clock struck 11:00, Pookie Johnson, the part-time Sunday sweeper, entered the ward and unplugged the life support system so he could use the vacuum cleaner.

Still Having a Bad Day????

The average cost of rehabilitating a seal after the Exxon Valdez Oil spill in Alaska was $80,000.00. At a special ceremony, two of the most expensively saved animals were being released back into the wild amid cheers and applause from onlookers. A minute later, in full view, a killer whale ate them both.

Still think you are having a Bad Day????

A woman came home to find her husband in the kitchen shaking frantically, almost in a dancing frenzy, with some kind of wire running from his waist towards the electric kettle. Intending to jolt him away from the deadly current, she whacked him with a handy plank of wood, breaking his arm in two places.

Up to that moment, he had been happily listening to his Walkman.

Are Ya OK Now? - No?

Two animal rights defenders were protesting the cruelty of sending pigs to a slaughterhouse in Bonn , Germany . Suddenly, all two thousand pigs broke loose and escaped through a broken fence, stampeding madly. The two helpless protesters were trampled to death.

What?!? STILL having a Bad Day????

Iraqi terrorist Khay Rahnajet did not pay enough postage on a letter bomb. It came back with 'Return to Sender' stamped on it. Forgetting it was the bomb, he opened it and was blown to bits. What goes around comes around!

There now, Feeling Better?

Patrick Henry Hughes

This Blog is to help in your life and lead to Success for you

I do hope you enjoy...

Richard Bejah :0)

IF you liked this BLOG checkout
my Last 3 Blogs:-

http://richardbejah.com/2010/01/17/little-harry.aspx

http://richardbejah.com/2009/12/25/live-for-today-for-tomorrow-is-promised-to-noone.aspx

http://richardbejah.com/2009/12/09/a-dads-story.aspx

"If we all did the things we are capable of doing, we would literally astound ourselves." ~ Thomas A. Edison

Here are a few LINKS of useful & Relevant Twitter Resources that I have compiled just for you.

The Ultimate Twitter reference resources and over 370 tools for twitter Twitter