POPULARITY
3 episodes with ilit
4 episodes with ilit
5 episodes with ilit
2 episodes with ilit
2 episodes with ilit
5 episodes with ilit
6 episodes with ilit
6 episodes with ilit
5 episodes with ilit
When we first started talking about estate planning with life insurance, it was because we saw a massive disconnect in how families were thinking about their wealth. Not just the numbers. But the purpose behind it. https://www.youtube.com/live/sqVXY199ygQ Bruce and I were in the middle of one of our deeper conversations—talking through how most people think life insurance is just a “check the box” kind of thing. They get the policy, set up a will or trust, and assume their family is covered. But what they haven't thought through is how that money will be used. What it's meant to fund. What kind of mindset or framework their children need to carry it forward well. Bruce said it best in the episode: “You've got a bunch of people out there who are trying to do the right thing—but they're buying the wrong tool for the job. Or they're leaving out the whole reason they got it in the first place: to provide for their family in a way that actually works.” And that's what this article is about. This isn't just about life insurance. It's about using the right kind of policy inside an estate plan that's built for generations, not just legal compliance. It's about creating a strategy that protects your wealth and prepares your children. It's about designing a legacy—on purpose. What Is Estate Planning with Life Insurance—and Why Does It Matter?Why Estate Planning with Life Insurance Creates Immediate LiquidityWhole Life Insurance vs. Universal Life: Why Guarantees MatterUsing Life Insurance to Offset Estate Taxes and Preserve WealthPassing on More Than Money: Embedding Stewardship Into the PlanDesigning Your Policy Without Triggering a MECWhen Estate Planning with Life Insurance Is Part of a Bigger VisionWhat the 2026 Estate Tax Sunset Means for Your FamilyWhat Is an ILIT—and Why You Might Need OneQuick-Start Checklist: How to Begin Estate Planning with Life InsuranceFinal Thoughts: Don't Let the Opportunity Slip AwayWant Help Designing Your Legacy Strategy?Book A Strategy Call What Is Estate Planning with Life Insurance—and Why Does It Matter? Estate planning with life insurance is one of the most overlooked but powerful ways to ensure your family is protected, your assets are preserved, and your values are carried forward with intention. It's not just about paying estate taxes or transferring wealth efficiently. Done right, it gives your heirs time, options, and guidance. It replaces financial panic with peace of mind. And it makes sure that what you've built doesn't just last—it multiplies. If you have real estate, a business, investments, or a vision for generational wealth, this is a conversation you cannot afford to postpone. Why Estate Planning with Life Insurance Creates Immediate Liquidity Here's what most people don't realize: When you pass away, even if your estate is “in order,” your heirs may be stuck needing to pay estate taxes within nine months. If your wealth is tied up in real estate, private equity, or business holdings, your family might be forced to sell those assets at a loss—just to pay the bill. That's where life insurance for estate taxes becomes mission-critical. With a guaranteed death benefit, whole life insurance creates instant liquidity—giving your family the cash they need to cover expenses, hold onto appreciated assets, and stay out of financial distress. In the episode, Bruce shared, “The beauty of this strategy is that it gives you certainty. And certainty is a gift—especially when the world is reeling from loss.” This is what makes estate planning with life insurance such a foundational part of a healthy, functional legacy plan. Whole Life Insurance vs. Universal Life: Why Guarantees Matter Not all life insurance is built to withstand the test of time. Bruce and I have reviewed countless policies that looked good on paper—but were designed with the wrong product. Universal Life policies may seem attractive because of ...
What do the St. Louis Rams and Prince have in common? Their stories illustrate the pros and cons of an ILIT—or, more accurately, what happens when estate planning tools like an ILIT aren't used at all. https://www.youtube.com/live/ni7KgQ_ZTLI They both became cautionary tales of what happens when estate planning falls short. When Georgia Frontiere passed away, her heirs were forced to sell the Rams to cover estate taxes. Prince's estate? Still tied up in probate years after his death. These aren't stories of neglect or ignorance. These are stories of high-capacity individuals who didn't have the right tools in place. And that's why today's conversation matters. Because we're diving into a financial strategy that could mean the difference between your family being forced to sell a cherished asset—or preserving it for generations. We're talking about ILITs: Irrevocable Life Insurance Trusts. Why ILITs Matter More Than You Might ThinkWhat Is an ILIT and How Does It Work?Estate Taxes: Why the Exemption Threshold MattersThe Pros and Cons of an ILITThe Pros of Using an ILITThe Cons of Using an ILITWhen Does an ILIT Make Sense?Strategic Flexibility: You Don't Have to Choose All or NothingThe Generational Impact of Strategic PlanningIs an ILIT Right for You?Book A Strategy Call Why ILITs Matter More Than You Might Think Whether you're familiar with ILITs or hearing the term for the first time, this strategy could hold the key to protecting your estate, reducing tax liability, and setting up your heirs for success. But it's not a one-size-fits-all solution. In fact, it may not be the right move for everyone—but for some, it can be one of the most powerful wealth-preserving tools available. This blog will unpack what an ILIT is, how it works, and most importantly, the pros and cons of an ILIT. We'll also explore the real-life application of ILITs, share client insights, and equip you with actionable steps you can take. By the end, you'll know if this tool aligns with your multigenerational vision and the legacy you want to leave. And if it does, you'll be empowered to act decisively. What Is an ILIT and How Does It Work? An ILIT—short for Irrevocable Life Insurance Trust—is exactly what it sounds like: a trust that holds life insurance outside of your estate. It has its own tax ID, its own trustee (not you), and its own beneficiaries. This separation means that when you pass, the death benefit doesn't get added to your estate total—which could potentially save your heirs from paying up to 40% in federal estate tax on that benefit. At the state level, those percentages could be even more aggressive depending on where you live. That's the power of an ILIT: separation equals protection. It turns your life insurance policy into a strategic asset that bypasses probate and keeps your wealth intact. Estate Taxes: Why the Exemption Threshold Matters Right now, the estate tax exemption for a couple is over $26 million. That means if your estate is worth less than that, you won't owe federal estate taxes. But here's the catch: that number is a moving target. It's not static, and it's not guaranteed. Congress has changed it before and will likely do so again. Under previous administrations, the exemption was as low as $2 million. And with $36 trillion in national debt and rising, the likelihood of Congress lowering that threshold is very real. It's not a matter of if the rules will change—it's a matter of when. And if you wait until after they do, it may be too late to put the right tools in place. That means even if your estate is valued at $10 or $15 million today, you could face estate taxes tomorrow—unless you plan proactively. The Pros and Cons of an ILIT The Pros of Using an ILIT Reduces Estate Taxes: The biggest benefit. By keeping the death benefit outside your estate, you prevent your estate from ballooning in value and triggering taxes.
When managing an Irrevocable Life Insurance Trust (ILIT), one critical yet often overlooked step is sending Crummey letters to the beneficiaries. Have you sent yours?
Estate planning is essential for managing your financial future and minimizing tax liabilities for your heirs. Beyond gift giving, there are several strategies you can use to plan for estate taxes effectively. First, consider establishing trusts. Trusts like a Spousal Lifetime Access Trust (SLAT) allow one spouse to transfer assets to a trust for the benefit of the other spouse, providing access to the assets while removing them from the taxable estate. Charitable giving is another powerful tool. Setting up a charitable remainder trust (CRT) or a charitable lead trust (CLT) allows you to donate assets to a charity while still providing income to your beneficiaries or yourself for a period of time. Life insurance can also play a crucial role. Purchasing a policy within an irrevocable life insurance trust (ILIT) can help cover estate taxes, ensuring that your heirs receive the full value of your estate. For those with significant assets, Family Limited Partnerships (FLPs) can be beneficial. An FLP allows you to transfer assets to family members at a discounted value, reducing the overall taxable estate while maintaining control over the assets. Another strategy is upstream gifting, which involves gifting assets to older family members in lower tax brackets who can benefit from a stepped-up basis upon their death, reducing capital gains taxes for your heirs. Lastly, regularly review and update your estate plan with your CPA or estate planning advisor to ensure it aligns with current laws and your financial goals. This includes updating wills, trusts, and beneficiary designations. An important component of estate planning is understanding the Uniform Lifetime Exclusion. This exclusion allows individuals to transfer a certain amount of wealth, either through gifts during their lifetime or bequeathments after death, without incurring federal estate or gift taxes. For 2024, the lifetime exemption is $13.61 million per person, up from $12.92 million in 2023. For married couples, this amount doubles to $27.22 million. However, unless Congress acts, this exclusion is set to drop to approximately $7 million in 2026. By implementing these strategies and understanding the current and future tax laws, you can effectively manage your estate and minimize tax liabilities for your heirs. Always consult with your CPA or estate planning advisor to tailor these strategies to your specific situation.
ILIT - trust first or life insurance first? We do estate planning. We do probate. We do it well. If you are in Washington State and need help, you can get a free strategy session at the link in our bio. #estateplanning #probate #realestate #wealth #trusts #legacy #estatetaxes #lawyer #attorney #taxes #money
This series of interviews filmed at the 2024 National Religious Broadcaster's Convention provides a unique and relevant perspective of the nation of Israel through the eyes and experiences of its people, from government leaders to advocacy activists to post-October 7 volunteers—and more.
Juan David Betancurelnarrodororal@gmail.com Había una vez un mundo griego donde las cosas entre Zeus y Hera no estaba muy finas. El dios Zeus ya se había metido con varias y de diversas formas. Con Metis tuvo si se puede decir así, a la fuerte Atenea, luego se caso con Hera y con ella tuvo a Ares, Hebe, Ilitia, y Hefestos. Luego sedujo a Temis convertido en pajarito y tuvo las hora y las moiras, Luego se enamoro de Io y la sedujo convertido en toro y luego le aplico la misma a Europa convertido en toro y la rapto y abuso de ella, de su unión nacieron Minos, Radamanto y serpedon. Mejor dicho el Zeus no dejaba títere con cabeza. El se creía el dueño del mundo, Bueno la verdad es que si lo era, y en cada una de sus correrías iba buscando cuanta niña bonita había para caerle con toda. Resulta pues que un día iba mirando sus tierras griegas cuando vio una mamacita divina. Era la hija de el rey Testius de Aetolia y que estaba casada con nada más y nada menos que con el rey Tindaro de Esparta. Y como hemos visto que Zeus no era que tuviera mucho control de sus yo interior y que por el contrario dejaba que sus demonios internos gobernaran sus actos. Inmediatamente se dedicó a planear como caerle a esta princesa llamada Leda. Leda muy pura tenía sus aposentos en una torre de su palacio y no era muy accesible, pero esto no era barrera para el Zeus. Así que según dicen se tramo lo siguiente. Un día bien lindo mientras leda se asomaba a la ventana vio que un águila perseguía un cisne, el cisne temerosos voló directo a la bella leda y entrando por la ventana cayo a los brazos de la dama. Leda tiernamente abrazo el tierno cisne y comenzó a acariciarlo para que no tuviera miedo, se tomo una selfie con el cisne y lo publico en Instagram bajo el hashtag Swanlove. Pero el cisne era Zeus y mientras ella lo acariciaba y mimaba el cisne abrió sus enormes alas y zapatin zapatan, de nuevo como decían las abuelas, perjudico a la bella Leda y luego ahuecando el ala se volo. Para acabar de ajustar y para completar la noche, el esposo de Leda, el rey Tindaro llegaba ese día de una batalla y venia hyped deseoso de ver a su mujer. Y entrando en la habitación de ella vio un reguero de plumas de cisne pero simplemente le pareco un detalle muy romántico. Así que se dijo. A lo que vinimos. Y la pobre leda no supo que decir y de nuevo sucedió lo que tenía que suceder. Paso los nueve meses de rigor y leda se veía muy embarazadita. Así que cuando la diosa del parto ilitía la visito vio nacer extrañamente Dos huevos. No dos Bebes más bien dos huevos. Recuerdan que Zeus no se tomo el trabajo de volver a su forma normal sino que consumo el acto convertido en Cisne. Pues ahí esta el resultado. Dos huevos. Ilitía que pensaba que había visto todo se extraño de ver una mujer poniendo huevos, pero a lo hecho pecho. De el primer huevo nació Polux y la muy bella helena, estos eran hijos de Zeus, y del otro huevo salio Castor y Clitemnestra que eran hijos de tindaro. Con el tiempo los dos hombrecitos se volvería inseparables y todos los conocerían como los mellizos, aunque en realidad no lo eran ya que uno era hijo de Zeus y el otro de tindaro. Más adelante veremos como estos quedarían inmortalizados en el firmamento. Por su parte las dos mujercitas igualmente darían mucho que contar y hablar. Ambas serian conocidas y relacionadas con la guerra de troya, una como causante directa y la otra por ser la esposa de el rey Agamenón. Pero de eso hablaremos más adelante. El bueno de Tindaro se trago el cuento que los cuatrillizos eran de el, aunque le pareció un poco raro el cuento de que vinieran en huevo, pero buen
Join Kara Wada, an adult and pediatric allergy and immunology physician. We'll delve into the world of allergy treatments, exploring the challenges faced by millions dealing with seasonal and year-round allergies. From traditional methods like medications and avoidance to revolutionary advancements like intralymphatic immunotherapy (ILIT), we'll uncover the potential for long-lasting relief and improved quality of life. Discover how ILIT targets the immune system more efficiently, its benefits compared to traditional treatments, and the future it holds for allergy care. Kara Wada is a board-certified academic adult and pediatric allergy, immunology, and lifestyle medicine physician, Sjogren's patient, certified life coach, TEDx speaker, and Dr. Midwest 2023. She can be reached at Dr. Kara Wada and on Instagram, YouTube, Facebook, and LinkedIn. She is a national expert, sought-after speaker, advisor, and host of the Becoming Immune Confident Podcast. She is CEO and founder, The Crunchy Allergist and the Demystifying Inflammation Summit, and serves as the director of clinical content for Aila Health. She discusses the KevinMD article, "Intralymphatic immunotherapy: a breakthrough approach for allergies." Our presenting sponsor is Nuance, a Microsoft company. Do you spend more time on administrative tasks like clinical documentation than you do with patients? You're not alone. Clinicians report spending up to two hours on administrative tasks for each hour of care provided. Nuance, a Microsoft company, is committed to helping clinicians restore the balance with Dragon Ambient eXperience – or DAX for short. DAX is an AI-powered, voice-enabled solution that helps physicians cut documentation time in half. DAX Copilot combines proven conversational and ambient AI with the most advanced generative AI in a mobile application that integrates directly with your existing workflows. DAX Copilot can be easily enabled within the workflow of the Dragon Medical application to bring the power of ambient technology to more clinicians faster while leveraging the proven and powerful capabilities used by over 550,000 physicians. Explore DAX Copilot today. Visit https://nuance.com/daxinaction to see a 12-minute DAX Copilot demo. Discover clinical documentation that writes itself and reclaim your work-life balance. VISIT SPONSOR → https://nuance.com/daxinaction SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended GET CME FOR THIS EPISODE → https://earnc.me/BsdLix Powered by CMEfy.
How an irrevocable life insurance trust (ILIT) works. At CMS Law Firm we do estate planning, we do it well, and we'd love to talk to you about how you can protect your family, protect yourself, and protect your money. Good news for you is, that's easy to do. Just click the link and set up a time for your free strategy session - https://cmslawfirm.com/estateplanningstrategysession. Talk to you soon! #estateplanningattorney #probatelawyer #family #money #estatetaxes #wealth #kids #taxes #realestate
In the realm of closely held businesses, the transition of wealth across generations is a pivotal consideration, especially given the impending changes set by the Tax Cuts and Jobs Act (TCJA) at the end of 2025. In this week's episode, Jarrod explores the complexities and strategies associated with generational wealth transfer, including estate taxes, gift exemptions, and key tools such as ILIT and GRAT. ABOUT JARROD Jarrod was born into financial planning and solving financial problems. With his financial advisor father Steve telling stories about finance around the dinner table from an early age, the idea that everyone has a different financial situation was always there. After an early professional career spent in nonprofit and government, Jarrod came back to his roots helping people plan and invest in 2011. Since then, he has worked with individual clients, led internal teams and ultimately became partner and the CEO of Destiny Capital in 2017. With a passion for helping entrepreneurs change the world, Jarrod ultimately oversaw the creation of Entrepreneur Aligned in 2020. With both Destiny Capital and Entrepreneur Aligned, Jarrod leads teams that help people live lives of abundance where money is simply a tool to let everyone be a positive force for the world around them. When he isn't working with the talented teams for EA and DC you can find him chasing his twins, wily trout or a podium spot at an OCR race. WANT TO LEARN MORE? Subscribe to our Entrepreneur Aligned Podcast for new episodes posted every week OR click below to check out more new content from Entrepreneur Aligned. Wealth Digest - weekly articles delivered to your inbox! Subscribe to our YouTube channel Connect on LinkedIn Follow on Twitter Follow on Instagram Check out our Linktree REACH OUT TO US! If you have a question or simply want to talk through your financial planning, we are here to help. SEND US A MESSAGE or call 720-715-7570 DISCLOSURE: Jarrod Musick is an officer of Destiny Capital and Entrepreneur Aligned, a DBA of Destiny Capital. All opinions expressed by Jarrod are solely his own opinions and do not reflect the opinion of Destiny Capital or Entrepreneur Aligned. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. We recommend consulting with your wealth advisor, CPA/tax advisor and/or attorney, as applicable to your situation, prior to implementing a new investment strategy. Advisory services provided by Destiny Capital Corporation, a Registered Investment Adviser.
How an irrevocable life insurance trust (ILIT) works. At CMS Law Firm we do estate planning, we do it well, and we'd love to talk to you about how you can protect your family, protect yourself, and protect your money. Good news for you is, that's easy to do. Just click the link and set up a time for your free strategy session - https://cmslawfirm.com/estateplanningstrategysession. Talk to you soon! #estateplanningattorney #probatelawyer #family #money #estatetaxes #wealth #kids #taxes #realestate
Did you know that in 2026 most American's will see their taxes increase due to the expiration of Trump's tax cuts? Tom discusses the pending changes that might increase you taxes, and what you might be able to do now to minimize your increase.
Happy holidays and welcome to our Summer Series! Whilst we're on break, we've handpicked some of our favourite episodes for your summer holiday listening. This episode features Dr Golly's wife, Ilit Golshevsky. Together, they share the story of their youngest daughter, Pia, who was born with a birth defect called Craniosynostosis. LINKShttps://www1.racgp.org.au/ajgp/2022/january-february/paediatric-head-shape-and-craniosynostosisSee omnystudio.com/listener for privacy information.
How an irrevocable life insurance trust (ILIT) works. At CMS Law Firm we do estate planning, we do it well, and we'd love to talk to you about how you can protect your family, protect yourself, and protect your money. Good news for you is, that's easy to do. Just click the link and set up a time for your free strategy session - https://cmslawfirm.com/estateplanningstrategysession. Talk to you soon! #estateplanningattorney #probatelawyer #family #money #estatetaxes #wealth #kids #taxes #realestate
Q&A!?! Ikey gets redeemed, Ilit is assur to begin davening when you need to use the restroom.
Today's episode is one close to Dr Golly's heart. His third child Olympia was born with a condition called Craniosynostosis. This meant that the bones in her skull weren't developing as they should, and that Pia would need to have serious, intensive surgery. In this unique and introspective episode, Dr. Golly invites his wife Ilit Golshevsky onto the show. Together they open up about their individual struggles and for the first time, candidly reflect on the impact this experience had on their relationship and how it has shaped their family LINKS https://www1.racgp.org.au/ajgp/2022/january-february/paediatric-head-shape-and-craniosynostosisSee omnystudio.com/listener for privacy information.
Joonko is an automated diversity recruiting layer named for Japanese mountain climber Junko Tabei, the first woman to reach the summit of Mt. Everest. You can learn about their talent pool, keep up with their blog, or check out their open positions.ICYMI, read our blog post about how the recent tech layoffs have had a disproportionate impact on women, people of color, and immigrants.Connect with Ilit on LinkedIn.This week's Lifeboat badge is awarded to pppery for their answer to Why use positional-only parameters in Python 3.8+?.
Ilit Raz is the CEO and founder of Joonko, the ultimate automated diversity recruiting software solution. She comes with over 18 years of experience working in various product management and team management roles in tech startups and 7 years in the highly regarded IDF intelligence unit 8200, with vast experience in NLP. She holds a Computer Science degree (Bsc.) and an Executive MBA. As a working woman in tech, usually being the only woman in the room, she experienced bias firsthand and began her journey towards workforce-related DE&I initiatives and decided to change the way people work. That's when she founded Joonko.
Welcome to the Use Case Podcast, episode 272. Today we'll be talking to Ilit from Joonko about the use case or business case for why her customers choose Joonko.
If you don't want your estate to pay 40% to Uncle Sam, you need to understand scheduled changes to the Death Tax and your planning options.
Episode 98: Dr. Jillian Scherer (She/Her) of Whole Family Health - Olney, ILIt's not everyday you will hear of a full scope Family Practice doc envision the means by which she could get injured by a vehicle in order to not have to return to a fee for service job. Dr. Jillian Scherer did indeed have such thoughts and this was only one of he reasons she left fee for service medicine to open her DPC in a town where she had never practiced before. She practices as a solo doc and is thriving in the clinic she has designed. She now has the balance she always wished for and loves the relationship-based practice she and her patients love!Learn what it takes to design, launch, and grow a thriving Direct Primary Care practice while getting help putting it all together to realize your vision. Check out DPC Accelerator today!---------------------*Share your DPC story at AAFP FMX! LEARN MORE HERE!Support the show
If a person finds himself in great need of funds and he doesn't know how to obtain them, he never needs to do anything that potentially may violate halacha to get them. Hashem owns all the money in the world, and He can give it to us in the simplest and easiest ways possible. Very often, we are just being tested and we have to know we have the ability to persevere. When we do our part properly, then Hashem does His. A man named Tzvi from Modi'in Ilit who works with ba'alei teshuva , bringing them closer to Hashem, told a story which took place with one of the boys that he learned with. This boy pushed himself to learn, slowly, until eventually he registered for an all day yeshiva. He slowly developed his stamina to sit through three full sedarim . One day, his father told him that he had to go to work on Shabbat to make ends meet. He had an opportunity to earn an extra 3,000 shekel per month by working a few hours each Shabbat. The boy told his father not to do it. He said he would go to work instead to get him that 3,000 shekel. The boy asked his Rabbi if he should leave yeshiva to go work to save his father from going on Shabbat. They asked the question to a Gadol who said, “Absolutely.” After this boy struggled so mightily to learn Torah, he now had to give it up to go to work. But he didn't ask any questions, all he wanted to do was the will of Hashem. He got a job in a men's retail clothing store and he continued dressing there as he did in yeshiva. One evening, someone approached him, seeing that he was a yeshiva boy, and said, “Tell me young man, why is such a sweet, gentle boy like you sitting here instead of learning in yeshiva.” The boy told him the story. The man then said to him, “I am going to give you 30,000 shekel as a loan. If you ever get the money to pay me back, then do so. But if you don't, then it's a gift. Please, go back to your yeshiva now.” This boy was being tested and he passed. Once he no longer needed that test, Hashem sent him the money in the simplest way. Hashem has many messengers and an infinite number of ways of sending people money. Rabbi Elimelech Biderman told a story about a Rabbi who lives in London. Before Pesach this year, the Rabbi realized one day that he misplaced 1200 British Pounds, which is equivalent to about $1500. He needed that money for his Pesach expenses as well as the rent for his apartment. At first he panicked, but then his emunah kicked in. He turned to Hashem like a son to a father, asking his daddy for help in obtaining the money he needed so badly. Astonishingly, a minute later, a gentile came over to him and said, “Rabbi, please read this paper.” The Rabbi looked at it and saw a pasuk from the Navi which read ‘הביאו את כל המעשר...אמר ה' – it was about giving ma'aser and Hashem promising blessing as a result. The Rabbi looked at this pasuk and was perplexed why this goy was showing it to him. The man then said he wanted to give a tithe to Hashem. He took out an envelope from his pocket filled with cash and handed it to the Rabbi. He said, “You are a representative of G-d. You could do whatever you want with this money, it's a gift to Hashem.” The Rabbi counted it and it came out to 1340 Pounds. He gave ma'aser from that money and was left with 1206 Pounds, exactly what he needed. He knew Hashem had many ways of helping, but this way he never imagined. He was deciding whether or not he should publicize this story. Over Pesach, he asked Hashem to guide him. Then he randomly opened his haggadah to a page with a Zohar on it, describing how beautiful it is to publicize the miracles of Hashem and praise Him for it. That's when he told the story. Hashem has infinite ways of helping us. We have to do our job properly and let Him do His.
Today, we bring you an on-location interview directly from the opening week of the Venice Biennale, the world's oldest art exhibition, where Prix Pictet Disorder shortlsiter Ilit Azoulay represents Israel with a new body of work called ‘Queendom'. Ilit's work at the Israel Pavilion in this 59th edition of the Biennale, which was postponed by the pandemic, is as timely as it is powerful. Don't miss the accompanying e-book to this episode where you can see the images being described: https://www.instagram.com/p/Cdn9ZRXstSu/?utm_source=ig_web_copy_link
Amber Patterson, MD is a world-renowned allergy/immunology expert and the US ambassador for intralymphatic allergen immunotherapy (ILIT). Before founding Allergy Unlimited, she developed the first US clinical trial for ILIT (first in the world for pediatrics) as faculty at the Ohio State University and Nationwide Children's hospital where she founded the Center for Immunotherapy. She holds several patents on novel allergy testing devices. A passion for creating systems for identifying the root of immune dysfunction (allergy) or deficiency (low immune function), and then co-developing a plan for healing and empowerment are the driving forces behind her work. Dr. Patterson leads as vice chair of the American Academy of Allergy Asthma and Immunology (AAAAI) immunotherapy and diagnostics committee. Believing in the powerful connection between mind and body, she also volunteers on her local community recreation center (YMCA) board of directors and on the committee for childcare, aiming to co-create positive community resources for physical, mental, and spiritual growth. As a wife and mother of four, Amber has the most fun with her family, playing in nature or traveling the world. The CME experience for this Podcast is powered by CMEfy - click here to reflect and unlock credits & more: https://earnc.me/J69UUE
Olivier MATHIEU - Directeur de l'association Roulez Mob'ilité nous parle de son association qui permet de louer des voitures et des deux roues à faible coût.
The purpose of an irrevocable life insurance trust or ILIT is to prevent life insurance death benefits from being subject to estate taxes.Life insurance owned by an irrevocable life insurance trust (ILIT) can be the easiest and most efficient way to pay estate taxes.Learn more at mericleco.com.
Your host, Yuri Kruman talks with Ilit Raz of Joonko. Joonko's technology plugs directly into your ATS, giving you access to qualified talent from diverse and underrepresented backgrounds. Everyone who enters the Joonko talent pool has had their expertise verified by one of our partners. From there, AI-powered skills-based matching recommends applicants by the criteria you provide. By bridging the gap between companies and candidates, Joonko has built a diversity recruitment platform that benefits all parties. To learn more about Ilit's work, visit https://joonko.co/ (https://joonko.co/) If you'd like to be a guest on The Commander-In-Chief Podcast, click https://podcast.cicmediagroup.com/podcast-guest (HERE)
DO YOU (OR YOUR BUSINESS) WANT TO BE FEATURED IN THIS NEWSLETTER OR AN ARTICLE?Reply directly to this message and let me know some of the cool stuff you're working on! If it's a fit for what I write and care about, happy to feature you :)—Let's Get the Formalities Out of the Way…Why you're getting this: I'm Yuri Kruman and this is my “Commander-In-Chief” Newsletter, based on my book, “Be Your Own Commander-in-Chief.” I send this to people in my LinkedIN and FB networks, people I've met recently, and friends I want to keep in touch with. You can unsubscribe (SEE THE VERY BOTTOM OF THE EMAIL) and I won't be offended.—In this episode, Ilit Raz and I discuss everything that's wrong with Diversity Recruitment Hiring, PLUS:How Ilit got her start in product management in Unit 8200 (Israeli Military Intelligence) as a womanHow her path was anything but typical as a woman in a male-saturated Israeli startup worldHow she was almost thrown out of school in 10th grade — and still managed to fix thingsHow she was accidentally exposed to the scale of the gender pay (and STEM education) gap and other prominent biases in the workplace, despite not believing in them muchHow she finally perceived and acknowledged her own biases of perception and experienceHow to turn men into allies in the fight against the gender pay and STEM gap, without alienating themHow men often over-promise and under-deliver and women under-promise and over-deliver — and what it means for workforce dynamicsWhy she avoids VCs and other entrepreneurs wanting to “invest in women”How she managed to pivot her vision and her company after a huge co-founder conflict — and her recommendation for avoiding it Ilit's vision for Joonko and the space in the next 5 yearsHer simple, but profound wisdom for founders and other listeners—Executive Coaching Office Hours (EXCLUSIVE FOR READERS)Ask me ANYTHING career- or business-related for free, 1-on-1 (REALLY)Click the link to schedule a time.—Are there any other subjects you want me to cover? Hit “Reply” and tell me!I love hearing from you guys :)—If you enjoyed this newsletter, please forward to a friend (or 5 :) or someone you feel would benefit from reading it!Yuri Kruman+1 (347) 415-0265 (Whatsapp) Get full access to Commander-In-Chief Briefs at commanderinchief.substack.com/subscribe
Episode 164 - Trustees of irrevocable life insurance trusts or ILITs are often family members or friends of the trust creator, who are not familiar with the many duties and responsibilities that the role requires.
With the "Build Back Better" bill working its way through the Senate, we thought now would be a good time to discuss estate planning and the powerful Irrevocable Life Insurance Trust (ILIT) tool. Originally created when exemption levels were much less than they are today, the ILIT was designed to provide individuals the ability to pass on life insurance through a trust. It is irrevocable so you want to work with a qualified team when setting one up! On today's show, we'll discuss the benefits of an ILIT, some rules to follow for efficiency, and more. Review the article mentioned in today's show >> Today's episode and show notes can also be accessed by visiting: Rate & Review the Podcast on your favorite podcast app! LINKS redefiningwealth.info lswealthmanagement.com Schedule a Review: https://redefiningwealth.info/schedule/ TIMESTAMPS (SHOW NOTES) 1:36 – Will “Build Back Better” possibly impact estate planning? 3:48 – Why was the ILIT tool created? 5:27 – You can't serve as trustee of the trust 6:38 – What can go wrong when assigning a trustee? 8:25 – Rules for efficient ILIT use 12:27 – Who is an ideal candidate? 15:23 – Potential complications during the three-year rule 19:30 – How would you dissolve an ILIT?
Many people do not enjoy the process of thinking through what happens to their assets after they pass away. But the decisions to be made are a crucial part of estate planning. Life can be complicated, and there are many advantages to having a trust in place. But the jargon surrounding trusts can be overwhelming. How can you determine which trust is right for your particular situation?In this episode, Mark talks with Austin Jarvis. Austin is a director of estate, trust, and high-net-worth tax advice at the Schwab Center for Financial Research. He's worked as an advanced-planning attorney and in the estate and gift tax section of the Internal Revenue Service.They discuss how a variety of different trusts work, including the SLAT, ILIT, special-needs trust, credit shelter trust, and the most common type—the revocable living trust.You can learn more about choice overload on the “Spoiled for Choice” episode of Choiceology with Katy Milkman.Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. If you enjoy the show, please leave us a rating or review on Apple Podcasts. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, estate attorney, or investment manager.Always consult with your legal counsel and tax advisors about your particular circumstances.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Charles Schwab & Co., Inc. ("Schwab") is affiliated with Charles Schwab Trust Company (CSTC), the corporate trustee for Schwab Personal Trust Services (SPTS). Schwab may introduce clients to CSTC but does not evaluate whether SPTS is appropriate for each client or recommend SPTS for any particular client. It is the client's responsibility to ensure that CSTC meets his or her trust needs and to conduct any due diligence that may be required before engaging CSTC.Schwab and Schwab Private Client Investment Advisory, Inc., a registered investment advisor and affiliate of Schwab, both earn compensation from CSTC for service provided in connection with SPTS. CSTC may invest trust assets in a wrap fee program or make use of investment advisory services, which are sponsored by Schwab and/or in which Schwab affiliates provide discretionary and non-discretionary investment recommendations. Schwab and its affiliates earn compensation for assets selected or recommended by Schwab-affiliated advisors, including management fees for Schwab affiliate mutual funds and shareholder servicing fees for mutual funds that participate in the Schwab Mutual Fund OneSource® service.Schwab Financial Consultants who introduce you to CSTC will receive compensation if you choose to use SPTS. CSTC receives fees in connection with the administrative trust services or the investment management services as permitted pursuant to the terms of the trust instruments.In selecting a trust service, you should consider whether to combine trust administrative services with trust investment management services and whom to select as a trustee. Third-parties may offer similar trust administrative or trust investment management services, or both, at different costs. (1221-1DWT)
Many people do not enjoy the process of thinking through what happens to their assets after they pass away. But the decisions to be made are a crucial part of estate planning. Life can be complicated, and there are many advantages to having a trust in place. But the jargon surrounding trusts can be overwhelming. How can you determine which trust is right for your particular situation?In this episode, Mark talks with Austin Jarvis. Austin is a director of estate, trust, and high-net-worth tax advice at the Schwab Center for Financial Research. He's worked as an advanced-planning attorney and in the estate and gift tax section of the Internal Revenue Service.They discuss how a variety of different trusts work, including the SLAT, ILIT, special-needs trust, credit shelter trust, and the most common type—the revocable living trust.You can learn more about choice overload on the “Spoiled for Choice” episode of Choiceology with Katy Milkman.Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. If you enjoy the show, please leave us a rating or review on Apple Podcasts. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, estate attorney, or investment manager.Always consult with your legal counsel and tax advisors about your particular circumstances.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Charles Schwab & Co., Inc. ("Schwab") is affiliated with Charles Schwab Trust Company (CSTC), the corporate trustee for Schwab Personal Trust Services (SPTS). Schwab may introduce clients to CSTC but does not evaluate whether SPTS is appropriate for each client or recommend SPTS for any particular client. It is the client's responsibility to ensure that CSTC meets his or her trust needs and to conduct any due diligence that may be required before engaging CSTC.Schwab and Schwab Private Client Investment Advisory, Inc., a registered investment advisor and affiliate of Schwab, both earn compensation from CSTC for service provided in connection with SPTS. CSTC may invest trust assets in a wrap fee program or make use of investment advisory services, which are sponsored by Schwab and/or in which Schwab affiliates provide discretionary and non-discretionary investment recommendations. Schwab and its affiliates earn compensation for assets selected or recommended by Schwab-affiliated advisors, including management fees for Schwab affiliate mutual funds and shareholder servicing fees for mutual funds that participate in the Schwab Mutual Fund OneSource® service.Schwab Financial Consultants who introduce you to CSTC will receive compensation if you choose to use SPTS. CSTC receives fees in connection with the administrative trust services or the investment management services as permitted pursuant to the terms of the trust instruments.In selecting a trust service, you should consider whether to combine trust administrative services with trust investment management services and whom to select as a trustee. Third-parties may offer similar trust administrative or trust investment management services, or both, at different costs. (1221-1DWT)
L'association Roulez Mob'ilité recrute deux chauffeurs de ramassage de personnes. La zone d'intervention se situe dans l'est Vaucluse : Valréas, Vaison la Romaine, Malaucène, Sault, Apt, Pertuis. Pour postuler rapprochez vous de votre conseiller pôle emploi avec le numéro d'offre : 121XPLY.
Ben Schrock and Keith Lockwood from B.A. Schrock Financial Group talk about what is and how to use an irrevocable life insurance trust also known as an ILIT. In this episode, Ben and Keith discuss: In what situations an ILIT might make sense. How we helped a client by using an irrevocable life insurance trust. And more...
With dramatic, potential changes on the table for the tax treatment of grantor trusts, high net worth clients and estate planning professionals are scrambling to get planning completed prior to an as yet to be determined "date of enactment". Why is this so important? Many irrevocable life insurance trusts (ILITs) are considered grantor trusts and could fall within the scope of this proposed rule. This could cause problems for clients who currently make premium gifts each year to their insurance trusts. In this episode, Crump's Ryan Mattern discusses split dollar sales ideas, and explains why this option may become a key strategy moving forward.
High net worth individuals have a number of strategies they can use to lower the tax burden on themselves and their heirs. Estate planning attorney Shad Brown rejoins us to break these strategies down.We start with a CRT (Crut) - Charitable Remainder Trusts and Charitable Lead Trusts. Shad explains how you can leverage charitable distributions for tax benefits in the short and long term.Next, the ILIT - or Irrevocable Life Insurance Trust. With ILITs, you can take assets like term life insurance, and move it out of your estate and into a trust. Shad walks us through this process, and its benefits.A QTIP Trust - or Qualified Terminable Interest Property Trust - may be useful for spouses who are re-married but want control over where their assets go upon their passing.Intentional Defective Trusts have a place as well - Shad explains that strategy, as well as the difference between grantor and non-grantor trusts.Kevin and Shad also dive into the idea of Family Limited Partnerships, and when that might be useful as your family's wealth grows.More info:Shad Brown, The Law Firm of Brown and Jensenhttps://www.bncjlaw.com/sbrown@bncjlaw.com(480) 447-7107Kevin Dick, KDI Wealth Managementhttps://www.kdiwealth.com/kevin@kdiwealth.com(928) 474-4350
With the Federal Estate Tax Exemption scheduled to drop in 2026, an Irrevocable Life Insurance Trust might be part of your estate plan.
This episode is dedicated by Rabbi Bodenheim and the Yeshiva of Newark in the liului Nishmas the 45 who perished in Meron Ariel Ahdut, 21; a student at Yesodot HaTorah yeshivah in Tel Aviv. Rabbi Yisrael Alnakvah, 24, of Beit Shemesh; a father of Avrohom Daniel Ambon, 21, of Argentina; student at Yeshivas Heichal Yitzchak in Jerusalem. Moshe Ben-Shalom, 20, of Bnei Brak, Israel; student at Yeshivas Ponavezh. Rabbi Moshe Bergman, 24; a student at the Mir Yeshiva in Jerusalem. Rabbi Yonoson Chevroni of Givat Shmuel, Israel; a father of three daughters. Yedidya Chayut, 13, of Bnei Brak, Israel. Eliyahu Cohen, 16, of Beitar Ilit, Israel; a student at Yeshivas Heichal Avraham. Rabbi Simcha Bunim Diskind, 23, of Beit Shemesh, Israel. Chen Doron, 41, of Holon. Moshe Mordechai Elhadad, 12, of Jerusalem. Yosef Dovid Elhadad, 18, of Jerusalem. Moshe Natan Englander, 14, of Jerusalem. Yehoshua Englander, 9, of Jerusalem. Mordechai Yoel Fekete, 23. Yedidya Fogel, 22, of Givat Shmuel; a student at Yeshivas Hatziyonit Hadatit. Elazar Gefner, 52, of Jerusalem. Rabbi Shragi Gestetner, 33, of Monsey, N.Y.; a well-known singer and composer. Rabbi Eliezer Mordechai Goldberg, 37, of Beitar Illit, Israel; a teacher at Talmud Torah Aderes Eliyahu. Rabbi Yosef Greenbaum, 22, of Haifa. Rabbi Eliezer Tzvi Joseph, 26, of Kiryas Joel, Monroe, N.Y.; a father of four. Nachman Kirschbaum, 15, of Beit Shemesh, Israel. Rabbi Shmuel Tzvi Klagsbald, 34, of Beitar, Israel; a Torah scholar at Maor Einayim. Menachem Knoblowitz, 22, of Brooklyn, N.Y. Yossi Kohn, 21, of Cleveland, Ohio; a student at Mir Yeshiva in Jerusalem. Elazar Yitzchak Koltai, 13, of Jerusalem; formerly of Passaic, N.J. Rabbi Dovid Krause, 33, of Beit Shemesh, Israel, survived by his wife and nine children. Shlomo Zalman Leibovitch, 19, of Tzefat; a student at Knesset Yehezkel Yeshiva. Yosef Yehuda Levi, 17, of Rechashim, Israel. Moshe Levy, 14, of Bnei Brak. Yosef Mastorov, 26, of Ramle Israel; a student at Yeshiva Rinah Shel Torah in Carmiel. Rabbi Shimon Matlon, 37, of Beitar Ilit; teacher in Talmud Torah Chanichei Hayeshivos. Yishai Me'ulam, 17, of Rechashim, Israel. Nachman Daniel (Doni) Morris, 19, of Teaneck, N.J.; a student at Sha'alavim. Chaim Rock, 18, of Beit Shemesh, Israel; a student at Yeshivas Mir-Brachfeld in Modi'in Ilit. Yehuda Leib Rubin, 27, of Beit Shemesh, Israel; a father of three. Rabbi Chaim Ozer Seller, 24, of Jerusalem; a father of two, one was born two weeks before the tragedy. Elkanah Shilah, 29, of Jerusalem. Rabbi Chanoch Slod, 52, of Ashdod, Israel. Dov Steinmetz, of Montreal; a student at Mir Yeshiva in Jerusalem. Yaakov Elchanan Strakovsky, 20, of Elad, Israel; student at Yeshiva Be'er Yisrael. Yosef Amram Tauber, of Monsey, N.Y., a student at Yeshivas Brisk in Jerusalem. Rabbi Ariel Tzadik, 56, of Jerusalem. Rabbi Moshe Tzarfati, 65, of Jerusalem; a father of four children and 25 grandchildren. Rabbi Menachem Asher Zakbach, 24, of Kiryat Sefer, Israel. 'Cheesecake for Kiddush!' 'A whole Milachig Suedah?' 'Okay...which meal are we getting dairy plates ready for...?''We're splitting up the meal?' The Issur Ben Tzvi Hersh Tshuvos and Poskim ShiurOf the Yeshiva of Newark@IDT presented a special halachic discussionof one of the most pervasive Minhagim we have adopted Dairy Meals on Shavuos:- A 'Meaty' Topic with year long ramifications It was led by the distinguished Marbitz Torah Rabbi Baruch Bodenheim Associate Rosh Yeshiva of Passaic Torah Institute (PTI)/Yeshiva Ner Boruch and a regular contributor of Torah thoughts in the Jewish Link , Monsey Mevaser and other widely circulated publications It featured readings in the Talmud,Rashi and Rambam-The Shulchan Oruch-and the Shach and Piskei Rav Elyashiv זצוק״ל This podcast is powered by JewishPodcasts.org. Start your own podcast today and share your content with the world. Click jewishpodcasts.fm/signup to get started.
This episode focuses on the fundamentals of Irrevocable Life Insurance Trusts (ILITs). We spoke with trust expert, Janet Tempel, Senior Trust Officer at Peak Trust Company to cover:What is an Irrevocable Life Insurance Trust?What are the benefits of using an ILIT? How should the attorney/trustee work together to set expectations with clients about the process of setting up an ILIT?How do tax returns for an ILIT work?And much more...
With over 20 years of experience in the Financial Services Industry, Brian is an expert in incorporating life insurance into life planning strategies, ranging from basic planning (asset protection, income replacement) to sophisticated techniques (ILIT, IDGT, GRAT, Split Dollar, Private Placement). This professional buyer and manager of his client's life insurance portfolios covered a variety of topics: · Learning Through Experience · Finding Your Personality · The Essentials of Choosing Life Insurance · Finding Who You Want To Be Through Experience · Getting Stronger Through Hardship and much more! Like the show? Please Like, Comment, and Share with your friends. If you would be kind enough, please leave a rating and comment so others can see what you enjoy about the show! Subscribe to the email: https://mailchi.mp/a71e58dacffb/welcome-to-the-20-podcast-community I want your feedback! Reach out to 20percentpodcastquestions@gmail.com, or find me on LinkedIn (Tyler Meckes). If you know anyone who would benefit from this show, share it along! If you know of anyone who would be great to interview, please drop me a line! Enjoy the show!
David Szeremet, Vice President of Advanced Planning at Ohio National, discusses how today’s tax environment has created challenges for the irrevocable life insurance trust (ILIT), and how the spousal lifetime access trust (SLAT) can solve some of the new challenges. Learn about what a SLAT does, its flexibility, and who it is best suited for in this quick podcast.
To order the new Living Emunah 5 please click here SPECIAL 25% DISCOUNT https://www.artscroll.com/ Books/9781422626078.html Shidduchim can become a very embarrassing experience at times. People can go months and even years without getting a single date. They watch as their friends and relatives get married one by one, and they haven’t been moving forward even the slightest bit. They try to give themselves chizuk with the understanding that there is only one person out there for them and, when the time comes, Hashem will bring that person k’heref ayin. But the daily struggle of waiting and being anxious about the future and feeling ashamed becomes so hard for them to deal with. They must internalize that every moment of them waiting, every feeling of shame, is calculated by Hashem for their good. The best thing they could do is tell Hashem, “I fully accept what You are doing. I thank You for dealing with me the way that You know that I need to be dealt with.” Praising and thanking Hashem will take away pain and it will elevate them so much. They have an opportunity in their situation to gain unfathomable rewards by reaching deep down within themselves and exercising their emunah muscles. They are 100% right, when the time comes, Hashem will send their zivug and nothing will get in the way, but until then, they need to maintain their strong level of emunah. The Chazon Ish used to say, even in today’s times when Hashem works in hidden ways, when it comes to shidduchim, He reveals Himself even more. Rabbi Yitzchak Zilberstein told a story which began when a young woman by the name of Esther, who lives in America, called her brother Yaakov, who lives in Israel. She told him that she had a friend there in America who’s looking to go out with a certain boy. She found out good things about his family, who also lives in America, but was unable to find anything about him. He’s currently learning in a yeshiva in Yerushalayim, and she told him the name, and she is desperately trying any way possible to get some information about him. Esther continued, “My friend said , ‘I know your brother Yaakov is involved in chinuch in Israel and knows how to read people very well just from a conversation with them. Could you please ask him to go and speak to this boy and see if he thinks he’ll be a good shidduch for me?’” Yaakov told her, “I would love to help, but you have to understand, I live in Elad and to travel all the way to Yerushalayim and back would take up most of a day for me. Not to mention, I have to try to locate the boy and then, out of nowhere, just go over to him and strike up a conversation. It’s not so practical. I’m sorry, but I’m not going to be able to help.” Esther’s friend desperately wanted this to work out and she honestly had no other way of finding out about this boy. The following Shabbat, this boy who’s learning in Israel, who we’ll call Reuven, had an off Shabbat in yeshiva and, from weeks before, his other friend made arrangements for him and another boy to go spend Shabbat by somebody in Modi’in Ilit. So him and his friend boarded the bus on Friday and, on their way to their destination, they called their hosts to tell them they’re on their way. The host turned white when he heard they were coming. He apologized profusely saying he had a change of plans and was already en route to his in-law’s house. He had totally forgotten they were even coming. Now these boys were on a bus on a Friday afternoon with nowhere to go for Shabbat. They called the friend who made the arrangements for them and asked him what to do. He said, “I heard there’s a Maggid Shiur in Yerushalayim who loves having guests who have no place to go come to him. I’ll get you his number.” They got the number, they called him and he said he does have guests every week but they’re boys from his yeshiva, and he literally has no extra room for any more people to come. But then he told the boys, “I have a son, Rav Yitzchak, who lives in Elad. He is very kind and has a golden heart. He’ll for sure let you come to him if you ask him.” So with no other choice, the boys called him and told him their story. He welcomed them with open arms. He gave them his address and told them to get off the current bus they were on at a certain stop and the bus that comes from Yerushalayim to Elad would stop there and pick them up. After he hung up the phone, he realized how late it was, they had already missed that other bus, but he had no way of contacting them as they had borrowed the phone to make the call. Thirty minutes before candle lighting, those boys arrived, saying somehow they found a ride there. That night, after dinner, Rav Yitzchak said he’s going back to shul, as he does every week, to sing and learn and asked if the boys wanted to accompany him. Of course they went, but as they approached the shul, Reuven got shy. He said, “I don’t know anybody here. I’m not going to sing with them.” So Rav Yitzchak said, “No problem, there’s a shul next door, nobody's there. It’s quiet, you can go learn there.” As they were about to go, the other boy told Reuven, “This is a once in a lifetime experience. Let’s go sing with them.” He convinced Reuven and they went. Who was in that very shul at that time? None other than Yaakov, Esther’s brother. He is a warm individual, he always goes over to greet new people and, when he heard the name of one of those boys, Reuven from Yerushalayim in the yeshiva that he was told he learns in, he couldn’t believe it. That’s the boy! He came all the way to him. He spoke to him for a while and felt like he was a great person. The next day he sent back the report to America and, baruch Hashem, within weeks, Reuven and Esther’s friend were engaged. For Reuven to meet Yaakov, Hashem made his original host change his plans, he made his friend think to call that Maggid Shiur, he made that Maggid Shiur think to call his own son, He got Reuven there in a private car ride and then at the last second he made Reuven’s friend convince him to walk into that shul. When the time of a shidduch comes, Hashem will ensure to bring it to fruition. Our job is to keep our emunah, to believe what is happening is for the best and then, no matter when the shidduch finally comes, we will know we handled the situation the best way possible.
To order the new Living Emunah 5 please click here SPECIAL 25% DISCOUNT https://www.artscroll.com/ Books/9781422626078.html Shidduchim can become a very embarrassing experience at times. People can go months and even years without getting a single date. They watch as their friends and relatives get married one by one, and they haven’t been moving forward even the slightest bit. They try to give themselves chizuk with the understanding that there is only one person out there for them and, when the time comes, Hashem will bring that person k’heref ayin. But the daily struggle of waiting and being anxious about the future and feeling ashamed becomes so hard for them to deal with. They must internalize that every moment of them waiting, every feeling of shame, is calculated by Hashem for their good. The best thing they could do is tell Hashem, “I fully accept what You are doing. I thank You for dealing with me the way that You know that I need to be dealt with.” Praising and thanking Hashem will take away pain and it will elevate them so much. They have an opportunity in their situation to gain unfathomable rewards by reaching deep down within themselves and exercising their emunah muscles. They are 100% right, when the time comes, Hashem will send their zivug and nothing will get in the way, but until then, they need to maintain their strong level of emunah. The Chazon Ish used to say, even in today’s times when Hashem works in hidden ways, when it comes to shidduchim, He reveals Himself even more. Rabbi Yitzchak Zilberstein told a story which began when a young woman by the name of Esther, who lives in America, called her brother Yaakov, who lives in Israel. She told him that she had a friend there in America who’s looking to go out with a certain boy. She found out good things about his family, who also lives in America, but was unable to find anything about him. He’s currently learning in a yeshiva in Yerushalayim, and she told him the name, and she is desperately trying any way possible to get some information about him. Esther continued, “My friend said , ‘I know your brother Yaakov is involved in chinuch in Israel and knows how to read people very well just from a conversation with them. Could you please ask him to go and speak to this boy and see if he thinks he’ll be a good shidduch for me?’” Yaakov told her, “I would love to help, but you have to understand, I live in Elad and to travel all the way to Yerushalayim and back would take up most of a day for me. Not to mention, I have to try to locate the boy and then, out of nowhere, just go over to him and strike up a conversation. It’s not so practical. I’m sorry, but I’m not going to be able to help.” Esther’s friend desperately wanted this to work out and she honestly had no other way of finding out about this boy. The following Shabbat, this boy who’s learning in Israel, who we’ll call Reuven, had an off Shabbat in yeshiva and, from weeks before, his other friend made arrangements for him and another boy to go spend Shabbat by somebody in Modi’in Ilit. So him and his friend boarded the bus on Friday and, on their way to their destination, they called their hosts to tell them they’re on their way. The host turned white when he heard they were coming. He apologized profusely saying he had a change of plans and was already en route to his in-law’s house. He had totally forgotten they were even coming. Now these boys were on a bus on a Friday afternoon with nowhere to go for Shabbat. They called the friend who made the arrangements for them and asked him what to do. He said, “I heard there’s a Maggid Shiur in Yerushalayim who loves having guests who have no place to go come to him. I’ll get you his number.” They got the number, they called him and he said he does have guests every week but they’re boys from his yeshiva, and he literally has no extra room for any more people to come. But then he told the boys, “I have a son, Rav Yitzchak, who lives in Elad. He is very kind and has a golden heart. He’ll for sure let you come to him if you ask him.” So with no other choice, the boys called him and told him their story. He welcomed them with open arms. He gave them his address and told them to get off the current bus they were on at a certain stop and the bus that comes from Yerushalayim to Elad would stop there and pick them up. After he hung up the phone, he realized how late it was, they had already missed that other bus, but he had no way of contacting them as they had borrowed the phone to make the call. Thirty minutes before candle lighting, those boys arrived, saying somehow they found a ride there. That night, after dinner, Rav Yitzchak said he’s going back to shul, as he does every week, to sing and learn and asked if the boys wanted to accompany him. Of course they went, but as they approached the shul, Reuven got shy. He said, “I don’t know anybody here. I’m not going to sing with them.” So Rav Yitzchak said, “No problem, there’s a shul next door, nobody's there. It’s quiet, you can go learn there.” As they were about to go, the other boy told Reuven, “This is a once in a lifetime experience. Let’s go sing with them.” He convinced Reuven and they went. Who was in that very shul at that time? None other than Yaakov, Esther’s brother. He is a warm individual, he always goes over to greet new people and, when he heard the name of one of those boys, Reuven from Yerushalayim in the yeshiva that he was told he learns in, he couldn’t believe it. That’s the boy! He came all the way to him. He spoke to him for a while and felt like he was a great person. The next day he sent back the report to America and, baruch Hashem, within weeks, Reuven and Esther’s friend were engaged. For Reuven to meet Yaakov, Hashem made his original host change his plans, he made his friend think to call that Maggid Shiur, he made that Maggid Shiur think to call his own son, He got Reuven there in a private car ride and then at the last second he made Reuven’s friend convince him to walk into that shul. When the time of a shidduch comes, Hashem will ensure to bring it to fruition. Our job is to keep our emunah, to believe what is happening is for the best and then, no matter when the shidduch finally comes, we will know we handled the situation the best way possible.
Syrian reports Israeli missile strike on Damascus area, Driver in deadly bus crash that killed 4 arrested, synagogue in Modi'in Ilit vandalized See omnystudio.com/listener for privacy information.
Rabbi Shmuel Kraines, son of Rabbi Zev Kraines of Ohr Somayach Sandton, grew up in South Africa and studied in Yeshivas Ateres Yisrael in Jerusalem. Following marriage, he continued his studies in various Kollelim in Modi'in Ilit for another nine years. He is the author of Perek Shira: The Song of Existence, an in-depth analysis and interpretation. It can be purchased through his website www.songofexistence.org at an affordable price. He lives with his family in Modi’in Ilit, Israel, and can be reached via email at info@songofexistence.org. A specialized PDF version of his book is available upon request.
Rabbi Shmuel Kraines, son of Rabbi Zev Kraines of Ohr Somayach Sandton, grew up in South Africa and studied in Yeshivas Ateres Yisrael in Jerusalem. Following marriage, he continued his studies in various Kollelim in Modi'in Ilit for another nine years. He is the author of Perek Shira: The Song of Existence, an in-depth analysis and interpretation. It can be purchased through his website www.songofexistence.org at an affordable price. He lives with his family in Modi’in Ilit, Israel, and can be reached via email at info@songofexistence.org. A specialized PDF version of his book is available upon request.
1. A Life Insurance Trust, know as an ILIT. 2. Gifting. www.myestateplanmeeting.com
In this video, we will explain Irrevocable Life Insurance Trusts (“ILITs”) for Illinois Estate Tax Planning. We will answer the questions: “what is an ILIT?,” “are life insurance proceeds subject to estate tax?,” “what are ‘incidents of ownership' of a life insurance policy?,” and “should I transfer an existing life insurance policy to an ILIT?” We will also explain how to reduce estate tax with an ILIT, ILITs and gift tax, ILITs as leveraged gifts, Irrevocable Life Insurance Trusts and the three year rule, and Second to Die Insurance in the context of irrevocable trusts. https://www.oflaherty-law.com/learn-about-law/irrevocable-life-insurance-trusts-explained-illinois-ilits-for-estate-tax-planning Have any questions that weren't answered here? Let us know in the comment section! Subscribe to BLTV for daily Learn About Law videos: www.youtube.com/channel/UCY4QhGg-zwgUIthoK3EdyjA If you are in the Northern Illinois area, and would like to make an appointment with an attorney, O'Flaherty Law would be happy to help. If you would like to schedule a free consultation or receive paid legal advice, go to: www.oflaherty-law.com/downers-grove-…e-consultation Or call our office directly at (630) 324-6666. Learn About Law is part of the Business Lounge Network, offering convenient and affordable office space in the Chicagoland area. Escape the noise of a crowded office or home and instead work in our professional and calm environment built to suit your business needs. For news on free events, membership offers and more, visit www.BusinessLoungeNetwork.com. Do you have marketing, editing or audio/video production needs for your business, podcast or website? Want to be a part of the BLTV network? Let us know what we can do for you by calling us at 630-324-6666 or by emailing us at info@businessloungenetwork.com. Read the Learn About Law article: www.oflaherty-law.com/learn-about-la…-guardianships More Learn About Law videos, podcasts, and articles: www.learn-about-law.com Learn More about O'Flaherty Law: www.oflaherty-law.com Like us on Facebook for daily videos: www.facebook.com/oflahertylaw/ O'Flaherty Law has convenient offices located in Downers Grove, Elmhurst, Naperville, Tinley Park, St. Charles, and Lake in the Hills, Illinois, serving DuPage County, Will County, Cook County, Lake County and McHenry County. Its attorneys focus on providing quality legal work, above-and-beyond customer service, and affordable rates in the following practice areas: divorce & family law; estate Planning, wills & trusts; probate & estate administration; litigation, civil law & dispute resolution; business representation & corporate law; guardianship, elder law & special needs law; residential & commercial real estate law; immigration; bankruptcy; and DUI law and traffic & criminal defense. O'Flaherty Law is proud to offer a free initial consultation in most areas of law. The free consultation will provide general answers on what we can do for you regarding a legal matter, specifics on what services we provide, and brief explanations on what your options for legal service may be. A free consultation does not include free legal advice or answers to specific legal questions relating to your matter. Free consultations last no longer than 30 minutes, but a full 30 minute consultation may not always be required. None of the content in this series is intended as paid legal advice. Subscribe to our channel for daily videos dedicated to law and business. https://www.youtube.com/channel/UCY4QhGg-zwgUIthoK3EdyjA This video was produced by Business Lounge Marketing. If you need marketing, web development, or digital production, The Business Lounge is happy to help. Let us help you and your business dive in to the digital age with Business Lounge Marketing. You can email us at info@businessloungenetwork.com or call David at 630-240-1813
Episode 93 includes a series of short interviews that KWL Director, Mark Lefebvre conducted at the 2017 When Words Collide conference in Calgary, Alberta. Mark speaks with authors Robert J. Sawyer and C.C. Humphreys as well as marketing consultant Mickey Mikkelson about digital publishing, global eBook pricing, author promotion strategies and successful author readings. Robert J. Sawyer Robert J. Sawyer — called "the dean of Canadian science fiction" by The Ottawa Citizen and "just about the best science-fiction writer out there these days" by The Denver Rocky Mountain News — is one of only eight writers in history (and the only Canadian) to win all three of the science-fiction field's top honors (the Hugo Award, the Nebula Award and The John W. Campbell Memorial Award) for best novel of the year. Rob talks about how he sold the North American rights for his twenty-third novel, Quantum Night, to Penguin Random House, but retained the rest of world rights and took advantage of Kobo Writing Life to publish the international eBook edition of the book. (Link to the book in UK used) He shares the wisdom of lower eBook prices, comparing his own global sales of the title at $4.99 USD version the $18.99 price point that Penguin Random House set. WATCH THE FULL VIDEO INTERVIEW WITH ROB Mickey Mikkelson (Creative Edge Publicity) Creative Edge Publicity specializes in arranging events such as book signings, library or school presentations, or any event related to the arts in general. They represent many book events including When Words Collide and have a strong belief and advocate for the independent and traditional artist. In his role at Creative Edge supporting authors with their marketing efforts, Mickey shares some of the things his company does helping both traditionally published and self-published authors. Mickey offers advice on what authors should consider before approaching a marketing team for support for their efforts and the fact that there is always a unique approach for each individual author. WATCH THE FULL VIDEO INTERVIEW WITH MICKEY C.C. Humphreys Chris (C.C.) Humphreys has acted all over the world and appeared on stages ranging from London's West End to Hollywood's Twentieth Century Fox. He has written ten historical novels, including the most recent Plague and Fire. Tales of religious fundamentalist serial killers set against the wild events of 1665 to 1666, London, Plague won Canada's Crime Writers' Association Best Crime Novel Award, the Arthur Ellis in 2015. In the Summer of 2016, both novels spent five weeks in the Globe and Mail Top Ten Bestseller list. Along with being a bestselling author, Chris is also a stage, film and television actor, who shares some tips for writers on doing public readings of their work. He suggests that an author's goal in doing a reading should be to really engage with that audience and also to remember that the audience is there to “love” and cheer for the author's success. He also suggests selecting a passage that is active and character driven as well as modulating the tone of their voice throughout the reading. WATCH THE FULL VIDEO INTERVIEW WITH CHRIS Mark then talks about the concept of authors taking full advantage of both traditional publishing and independent publishing opportunities, going into a full breakdown of the revenues earned from a single short story of less than 900 words. "Almost" the story in question, appeared in several self-published collections but also is contained in Bumps in the Night, One Hand Screaming and the Crimes, Capers & Rule-Breakers Bundle. but he also sold non-exclusive reprint rights to the story to McGraw-Hill Ryerson for their iLit program. Based on the fact that the professional rate for a short fiction rates is typically somewhere in the $0.05 to $0.6 per word range for most writers, Mark calculates what the per word earnings for this story have been, landing somewhere between $0.40 and $1.15 per word depending on the various income streams for that story. Ultimately, a story whose original pro fiction rate sale would have been approximately $44.00 ended up earning more than $1000. Of course, this is only a single short story, but as part of a larger strategy with plenty of other assets in play, consider how that might add up for authors who take full advantage of exploiting their rights and exploring all options available for earning money on their writing. (See the original blog details here) Links of Interest: Robert J. Sawyer's eBooks on Kobo Robert J. Sawyer's audiobooks on Kobo (Listen for FREE with Kobo Audiobooks trial) Robert J. Sawyer's website (SFWriter.com) C.C. Humphrey's eBooks on Kobo C.C. Humphrey's website Creative Edge Publicity website When Words Collide Website If you enjoy this podcast and would like to automatically download episodes as they go live – even before the show notes are posted to the Kobo Writing Life website – subscribe to the RSS feed via your favourite pod-capturing platform (such as iTunes) using this link: RSS feed for Kobo Writing Life Podcast.
Tom explains what an Irrevocable Life Insurance Trust is, and how it might be used as part of your estate plan.
A series of lectures covering everything there is to know about the law and tax aspects of charitable gift planning. Earn CFRE credits by taking the test (link included in final episode).
Most people put “buy more life insurance” on the very bottom of the “things that excite me” list. But if you’ve realized that life insurance is often the most cost effective answer to several very important problems, you have probably also heard talk of an irrevocable life insurance trust. If you’re the owner of a policy and the insured person under the policy, the proceeds will be part of your taxable estate. An ILIT (pronounced EYE-let) is viewed by some as a time-tested and IRS approved way to avoid this scenario and protect those proceeds from the estate tax. Join us this Tuesday to learn more on the Bottled Business Sense Show. Bill Bernard – WFBLegalConsulting.com bill@wfblegalconsulting.com 949.698.6222 Rick Moscoso – Captivate365.com rick@captivate365.com 949.667.1182 The Bottled Business Sense Show provides practical business perspectives that uniquely emphasize both legal and media marketing strategies that protect and insure the longevity of your business.
You’ve probably heard about the benefits of the different types of trusts that can be created in estate planning. But your work isn’t done just because you’ve finalized and signed your trust. For a trust to function property, it must be “funded.” But what does it mean to “fund” a trust, and why is the funding process so important? This podcast with Heather Walser will answer these questions and more.
You can achieve a number of estate planning and tax benefits by creating certain types of irrevocable trusts. Listen to this podcast with Heather G. Walser of Lavelle Law, Ltd. to find out how these trusts differ from revocable (or "Living") trusts, and how you might be able to benefit from them.
© 2020-2025 Ivy Podcast Discovery LLC
