I'm working on a new pattern!
I am a mother to two beautiful little girls and wife to my wonderful husband. I have been knitting for my daughters and a couple years ago decided to start knitting for others. And it is from my love for my children and for my knitting that Cherished Hearth Knits was born.
So without further ado here is the pattern for the Bubble Bum Baby Bloomers.
This is a pattern for bloomers or "boy shorts". It is easy to add a skirt for a skirty with bloomers underneath. Or instead of doing the short ribbed legs/cuffs you can also knit this pattern into shorties or longies.
Skills needed are cast on, knit, purl, yarn over, purl 2 together, increases (see abbreviations below for type), short rows, kitchener stitch and bind off.
Gauge is 5 spi. Please use needle size required to get gauge. You will also need a needle two sizes smaller than needed to get gauge.
Here are a few abbreviations that are used in the pattern.
Here are a couple of helpful links.
Sizes are newborn (3 month, 6 month, 12 month, toddler) with hip measurements of approximately 14" (16", 18", 20", 22") and rise measurements of 12"(14", 16", 18", 20"). Please knit to appropriate hip measurement rather than age for the best fit. Sizing by age is an approximate and as we all know babies come in all shapes and sizes. It is easy to adjust the rise as well for the best possible fit.
Using a stretchy cast on, I use the backwards loop cast on, cast 64 (72, 80, 88, 96) stitches onto the smaller needle. Place a marker and join in the round. Knit in k2, p2 ribbing for 1.5(1.5, 2, 2, 2) inches. If desired insert an eyelet row for your drawstring at about 1(1, 1.25, 1.25, 1.25) inches from your cast on edge. To do this do one row of *k2, yo, p2tog* repeat between ** around. On the following row resume your k2, p2 rib pattern.
Once you have knit in 2x2 rib for 1.5(1.5, 2, 2, 2) inches switch to your main color if using both trim and colorway and your larger needles.
nit to end of round.
Row 3 knit all stitches, slipping markers as you come to them.
Row 4 knit to first marker, m1b, slip marker, knit to second marker, slip marker, m1f, knit to end of round.
ou should now have 72(80, 88, 104, 112) stitches. You can now remove the stitch markers for the increases, don't take out your start of row marker.
Now just knit until your work measures 3(4, 5, 6, 7) inches from the cast on edge. If you are making a skirty then you may want to insert a purl row somewhere in here to make it easier to pick up stitches for the skirt. Or not. It's up to you.
When your work measures 3(4, 5, 6, 7) inches from the cast on edge it's time for some short rows. Insert hip markers by knitting 18(20, 22, 26, 28) pm, k 36(40, 44, 52, 56) pm, k18(20, 22, 26, 28). On the next round knit till one stitch before the second marker, and insert a short row using your preferred method, turning again at one stitch before the first maker. Knit around closing both gaps and then insert a second short row, this time turning at 3 stitches before each marker. Do this for a total of 5 short rows, moving two stitches closer to the center back each time.
Knit one complete round, removing your hip markers and placing markers for gusset increases. Do this by knitting one, pm, k34(38, 42, 50, 54) pm, k2, pm, k34(38, 42, 50, 54) pm, m1f, k1. This should bring you back to your beginning of row marker, which you can remove at this point. The last marker that you placed is your new beginning of row marker. So continue this first row by k1, m1b, knit to next marker, slip marker, m1f, k2, m1b, slip marker and then knit to next marker. This is row one of your gusset.
Row 2 knit around slipping markers as you come to them.
Row 3 m1f, k4, m1b, slip marker, k to next marker, slip marker, m1f, k4, m1b, slip marker and knit to first marker.
Row 5 m1f, k6, m1b, slip marker, k to next marker, slip marker, m1f, k6, m1b, slip marker, *k2, p2* repeat between ** to end of round. This is the start of establishing the 2x2 ribbing for the leg cuffs. If you prefer 1x1 ribbing then *k1, p1* instead of *k2, p2*. Or if you are knitting shorties or longies leave out the ribbing entirely.
Row 6 knit 8, slip marker, *k2, p2* repeat between ** to next marker, slip marker, k8, slip marker, *k2, p2* repeat between ** to end of round.
Row 7 m1f, knit 8, m1b, slip marker, *k2, p2* repeat between ** to next marker, slip marker, m1f, k8, m1b, slip marker, *k2, p2* repeat between ** to end of round.
Row 8 On this round remove the markers as you come to them. Knit the first 10 stitches onto a double pointed needle. Knit the next 34(38, 42, 50, 54) stitches onto your 12" (or 9" if you are doing the newborn size) circular needle keeping in the k2, p2 rib pattern. Knit the next 10 stitches onto a second double pointed needle. Leave the remaining 34(38, 42, 50, 54) stitches on the needle or move them to waste yarn if the needle is in your way.
Kitchener the gusset stitches that are on the double pointed needles together.
Starting with your left leg (the one on the shorter circuler needle) pick up two stitches from the gusset, place a marker for the start of your round and *k2, p2* around for four rounds.
If you are making boy shorts style then bind off loosely in pattern, repeat for the second leg. Weave in your ends and you are done!
If you are making bloomers then knit all stitches one round, bind off with the picot bind off, repeat for the second leg, weave in your ends and you are done!
If you are making longies or shorties then don't do the ribbing, knit till your desired inseam, add your desired cuff, bind off, weave in ends and you are done.
If you are making a skirty then finish as for bloomers and go back and add the skirt style of your choosing. At a later day I will add instructions for one style of skirty that I like.
This pattern has not been tested. That makes everyone who knits it my testers. So if you find any issues, typos, incorrect numbers, etc please let me know so that I can fix the pattern. I have done my best to insure there are no typos and the numbers work out, but I am human and I make mistakes. Some days a lot of them.
Please do not copy this pattern and distribute it either for free or profit. It's a free pattern, if you know someone that wants a copy please just direct them here to my blog. I cannot control what you do with objects you knit from my pattern so do with them whatever you please. However I do ask that you please give credit to this pattern by name if you sell finished objects made from it.
Darling! Can't wait to knit some!!!
Very cute Tara! Next in line in my queue!
Hi love the pattern... How would I make the gusset bigger/wider for a toddler?
Wow! You are so talented and thank you so much for sharing the pattern. I have made lots of crochet longies from my own pattern but have been dieing to try my hand at knitting some. I love your yarn, the colorways are beautiful.
These are great, thanks for sharing! :) Almost finished with my pair!
these are really cute. thanks for sharing.
Really enjoyed making these shorts. They were really easy to follow. Took me one day to complete. I really like how easy it is to make so many different things with just one pattern. Your instructions were very easy to follow and i did find any mistakes. I'm going to be making more for sure.
I have knit three of these so far. I'm working on a larger pair currently for my Grandson. The pattern is easy to follow. These are nice as they are less bulky than some others. I use this pattern mostly for day time covers. The one on my needles I am working in double knit for the body so it will be better for night time use. My grandson is quite skinny (all of my family's babys are). I do more in the crotch so the leg openings are a little bit smaller.
Hi! I am confused about one part. Should I knit all the way around to remove/knit the wraps or move back and forth between the markers to remove/knit the wraps, 1 each row. Thanks!
Hi Staxy! Yes, for the short rows, you knit around and then pick up wrap and stitch and knit together each time...hope that helps!
What size needles do you find yourself using for most worsted weight yarns? I'm horrible at finding gauge using the standard methods- I'm better starting with a certain needle, then moving up or down a size as needed.
Annette, I am using a bulky yarn and size 4.00 mm needles in order to get the tighter knit I need for my heavy wetter, lol.
ou should now have 72(80, 88, 104, 112) stitches.
I'm a novice knitting my very first short row... After inserting hip markers, the pattern says ...knit til one stitch before the second marker... Is the second marker the first hip marker after the marker that starts my knitting in round (the marker placed after the first 18 stitches knit)? Also, in that same sentence, it says ... turning AGAIN at one stitch before.... I'm confused by the word AGAIN, have I turned?
I didn't see an explanation of nit that is on row 2; nit to end of row. Do you mean knit?
I've used this pattern,without the short rows,for making longies for my daughters.I believe I have knitted 6 so far,al with wool,for the winter.My 6 year old has the waist of a 1 year old,so is really hard to find warm pants for her( even slim skinny is huge on her,which is the tiniest size you can find online). Love them and so do my daughters.Plan on making another one soon.Goes pretty fast too.Thank you for this wonderful pattern.


We recently published compelling data that shows Broward County Public Schools are outperforming their charter schools as a whole. One of the surprising things discovered was that two top charter schools, despite telling the public they were doing a better job, were not serving students from all socioeconomic backgrounds.
When studying the socioeconomic makeup of Coral Springs Charter School and Pembroke Pines Charter Schools, it was discovered that they were not representative of their nearby Broward County Public Schools. Yet, despite higher socioeconomics, their performances were equal or only slightly better on the 10th grade reading results.
Data Analyst and charter school parent Andrew Ladanowski believes some schools may be misleading the public into thinking they are doing a better job than others when the truth is, it is the socioeconomic makeup of the school population.
For the study, we used free lunches as the benchmark for socioeconomic status. According to the USDA, the income eligibility guidelines for a family of two is $20K, for a family of three it's $25K. The data, which was taken from the State of Florida, was used to measure the students that attend either Broward County Public Schools or charter schools by socioeconomic factors via the free lunch program. What Castillo was upset about was that our data did not include "reduced" lunch data.
According to the Florida Department of Agriculture and Consumer Services, when students apply for free and reduced meals, there are separate income requirements to qualify for each of these two different programs. See separate income requirements for free and reduced Parents that apply on behalf of their children bring in the documents to the schools which are verified, according to Division of Food, Nutrition and Wellness.
Ladanowski says that by combining the data of "free and reduced" is misleading the public, and it's too wide of a range.


"Forgiveness Is Where We Live"
If you think about it, holidays are tough subjects for people - and pastors - in terms of topics for preaching. There are individuals for whom the holiday is nearly pure joy: children or parent, breakfast in bed, handmade gifts from little hands, quality family fun time, the sense of satisfaction at its pinnacle. There are also individuals for whom the holiday is nearly pure agony: children - having them or not having them, parent - having them or not having them, guilt, disappointment, anger, regret and a plethora of other emotions - also at their pinnacles.
So how does one open a message on a day when you have to be so careful? I thought about Duck Dynasty. If you've not heard about this show, you may want to check it out on A&E, because it's currently the second-highest-rated cable show with an average of 8.5 million viewers per episode. And what's not to love about two bearded, camo-fashioned brothers, Phil and Si and Phil's sons Jase, Willie and Jep, a rags to riches family business making duck calls that has expanded into everything from Duck Dynasty bandaids to books. Rumor has it that one of the books includes a recipe for boiled squirrel with butter and evaporated milk that begins, "Skin the squirrel, then cut in half." I thought about using the show and it's intrigue, but it's just not where I live.
So then I thought about wisdom. Wisdom doesn't have a gender-identity or so much of a "preference" quality, and it could be a safer and still relevant path. For instance, there was the boy who asked his father if bugs are good to eat. The father said, "Let's not talk about such things at the dinner table, son." After dinner, the father inquired, "Now, son, what did you want to ask me?" "Oh, nothing," the boy said. "There was a bug in your soup, but now it's gone."
There was a small boy at the zoo with his father. They were looking at the tigers, and his father was explaining how ferocious they were. "Daddy, if the tigers got out and ate you up..." "Yes, son?" the father asked, ready to console him. "...Which bus would I take home?"
Then there was the father who told his son, "You'll never amount to anything because you procrastinate." To which the son replied, "Oh yeah? Just you wait!"
And there was the little guy who asked his friend if he liked the drum set he got for his birthday. The friend said, "I love it!" The little guy asked the curiosity question: "Why?" The friend said, "Whenever I don't play it, my dad gives me ten bucks!" If I were looking for relevant space fillers, I might have gone down the path of wisdom. But that didn't seem like it might be a place where many of us might be living today.
So I decided to check out a preachers good friend, the lectionary - the listing of scripture passages appropriate for given days or occasions. I don't always use the lectionary, because sometimes I feel "inspired" to do something different. Other times, I let God inspire through the prescribed passages. Since we have been spending time in the seventh chapter of Luke this month, it seemed fairly natural to wind up the chapter. As Bill makes his way up here, I'll let you all know that he will be reading from Eugene Peterson's translation of the Bible, "The Message."
Thank you, Bill. In light of the "ponderings" I was going through for this message, when I came to this passage, I almost went on to find something else. First of all, although I love how this version makes the story so much more alive than the version in our pews, there is the little issue of "labeling." The pew version says this woman lived a "sinful life." The old King James just called her a "sinner."
What's not so very "fair" about this labeling is that there isn't anyplace in scripture that specifically says what she did wrong, although the entire town seemed to know. If nothing else, then this passage is a good reminder that until have traveled a mile in a person's sandals, we might do our best to protect dignity - especially of those who seem so much less "seen" than others. Perhaps this point is not so much for anyone else this week, but for me.
Along with this labeling issue, there is the issue of judgment, which seems to be woven all through this passage. When Simon said to himself, "If this man was the prophet I thought he was, he would have known what kind of woman this is who is falling all over him" - you can almost see his nose go up as he said it. In fact, after Jesus said, "Simon, I have something to tell you," Simon's nose practically scraped the clouds when he said, "Oh? Tell me." Can't help but think of the word haughty - not that I'm being haughty in my judgement of this event, either.
It's an interesting twist I've noticed about judging or judgment. When being so, we need to be very careful, because it's that one finger pointing away, with three fingers coming back at us. And the stronger the judgment, the more we ought to take a look at the reasons behind the triple effect pointing back at us.
I also cringed at this passage because it seems that Jesus talks about love in economic terms. When talking about the two indebted men, Jesus confirms that the one who is forgiven the most would be - might be - the more grateful. But if there's anything we've come to know of God and Jesus, it's that love and economics seem to be worlds apart. Except that real love sometimes costs dearly. We have only to think of Christ's sacrifice for us to get that connection.
And then there is the end of the passage, where Jesus takes Simon to task as he "forgives" the woman, and Jesus says to her, "Your faith has saved you. Go in peace." It's interesting that Jesus used the word "peace" rather than freedom or happiness or relief or any other sort of word. "Go in peace." It's also interesting that he said, "Your faith has saved you." Why '"faith" and not repentance or humility or gift - as in the anointing of his feet?
There are so many questions and ponderings and issues around this passage, we could be here until the cows come home. But sometimes we need the obvious: to stop and realize what is before us, and I think this may be one of those days-slash-passages.
There is no doubt that this passage deals with forgiveness. It's interesting that "confession" has little - if any real - part in this scenario. In fact, the woman doesn't even say a thing. But what she does - speaks volumes.
There are times, but I'm guessing that no so many of us has something so big that needs forgiveness to the point that we would spend a great deal of money to buy or do something that may seem like a waste to other people. Sometimes, like the younger son of the Prodigal Father, we "come to our senses" and need to return to the home of our heart in God. But by and large, most of us aren't "living" in that place.
Most of us are living in that place where perhaps we are the one that can grant someone else a forgiveness - especially those who don't even ask for it. Human tendencies are to act more like the faith-bouncer, Simon, deciding who can "get in" and who has to "stay out" of our homes of forgiveness. If there is nothing else about this morning's passage and message, it's that we live in a place where forgiveness is the home where we live. Forgiveness is not a morgue or cemetery or jail cell or trap. Forgiveness - receiving and giving - is not a commodity to be sold or bartered, but the place where we live - where we flourish and thrive and where there are no boundaries of gender or role or job or wisdom or flash-in-the-pan notoriety.


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NTTICS / NTTICS press release / NTTICS preview / Open Wheel Racing
Takuma Sato Returns To Rahal Letterman Lanigan Racing In 2018
Rahal Letterman Lanigan Racing announced today that reigning Indianapolis 500 champion Takuma Sato will return to the Verizon IndyCar Series team in 2018. Sato drove for the team in 2012, when he famously dueled eventual winner Dario Franchitti on the final lap of the Indy 500.
"I'm excited about having Taku back with us," said Bobby Rahal, co-owner of Rahal Letterman Lanigan Racing with David Letterman and Mike Lanigan. "I have such admiration for his spirit and how he approaches everything and was so happy for him when he won the Indy 500 this year.
"The chance to bring him back to the team was too good to pass up. He and Graham get along very well and we will have two strong cars that can win any race in 2018. I think that will give our team a great chance at being contenders in every race, but it's also going to give each of our drivers a chance to have their best years ever. I'm excited about it and even though the 2017 season just concluded, I can't wait for the 2018 season to start."
Sato, a native of Tokyo, has made 135 starts in the Verizon IndyCar Series since his rookie season in 2010. He has two race wins — the 2013 Toyota Grand Prix of Long Beach in 2013 when he was with AJ Foyt Racing and the 101st Indianapolis 500 presented by PennGrade Motor Oil as a member of Andretti Autosport in May. In addition, he has earned seven Indy car poles and led a total of 471 laps. He drove for Rahal Letterman Lanigan Racing in 2012, with a best finish of second at Edmonton and third at Sao Paulo.
Prior to joining the Verizon IndyCar Series, Sato competed in 90 Formula One races between 2002-2008 with his highest finish of third at the 2003 United States Grand Prix at the Indianapolis Motor Speedway road course.
"I am extremely happy to be back with Rahal Letterman Lanigan Racing," Sato said. "Bobby, Dave and Mike have always been very supportive of me. The team has been ultra-competitive the past few seasons. I can't wait to be a part of it in 2018. I think we can achieve some great things together."
Taggedrahal letterman lanigan racing
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redpajama_set_name: RedPajamaCommonCrawl


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Pterygotrigla andertoni är en fiskart som beskrevs av Waite, 1910. Pterygotrigla andertoni ingår i släktet Pterygotrigla och familjen knotfiskar. Inga underarter finns listade i Catalogue of Life.

Källor

Externa länkar

Knotfiskar
andertoni

redpajama_set_name: RedPajamaWikipedia


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What is a Living Trust and How Do I Set One Up?
- Hey guys, Toby Mathis here with Anderson Business Advisors. And the question today is, what is a living trust? Do I need one, and how do I set it up? Big one. First big question is, do I need a living trust? So I'm just gonna make it like this. We all get to choose how our estate is gonna be handled. If you do nothing, you're gonna go on a default and it's gonna go to court, and they're gonna apply your state laws where you reside and where you owned real estate. And it's gonna apply and you're gonna have probates, wherever those assets may be held, and whatever the rules are for your jurisdiction are gonna control.
So there's always a plan. The default usually gets ugly because depending on the state, let's say that I had a spouse when I died, and kids, maybe kids from a previous marriage, there's all these statutes that come in and say, spouse gets half or these guys get this. There's all these different rules. Or maybe the spouse gets everything, and I just disinherited my kids from my previous marriage. All those things come in.
And so you'll absolutely have a plan, no matter what. So that's option number one, is do nothing and let the default rules kick in. It's usually costly. The ARP says, hey, it's about 20% of an estate. Smaller estates get eaten up in the probate costs, including the attorney's fees, the probate fees, the administration, the appraisals, all that fun stuff that comes along with getting to go to court.
If you don't like court, then your option is doing a living trust. And then there's something in the middle, which is the will, which gets to be probated where you still get to go to court, but you actually have a document that says, here's what I want to have done with my estate. Now, these are all upon death things that get triggered. So I always look at it and say, hey, there's kind of a continuum. There's during my lifetime, there's if I'm incapacitated, there's when I pass, and then there's post, what happens to my estate after I pass. All those things have to be addressed.
And it sounds, "Oh, no, it's not that hard." Well, hold on for a second. So during my lifetime, there's lots of things that could happen. I could be incapacitated, I could get sick while we're going through the pandemic and I might end up in a hospital, I'm not able to make decisions for myself. Who's making my medical decisions, who's making financial decisions? All that gets triggered while I'm alive. Living trust handles it all, doing nothing does not.
Like there might be some state statutes that says, "Hey, you can talk to a spouse, but there's lots of people out there that are living together that aren't husband and wife or wife and wife or husband and husband, they're not in a legally-recognizable relationship." And maybe you want that person to be able to see you if you're incapacitated, maybe you're in the hospital and you want them to be at a visit, and they're not family, under the law, then we all of a sudden have a big problem. Or maybe you are married and your hoping that your default will be that they'll let your spouse make decisions for you. I can tell you that you want it in writing and that you wanna have a HIPAA release and you wanna have your end-of-life decisions documented.
Otherwise, it doesn't matter. They're gonna have to do what they believe is in your best interest. And they'll oftentimes talk to a spouse, but if it's deemed contrary, like pull the plug or they don't want extraordinary measures, you may find yourself in a really, really bad situation if you're not documenting these things. So that's number one, is during our lifetime, if I get him incapacitated and I'm getting towards death, there's the transitional documents that are needed, like a living will that's included in a living trust, but it's actually a separate document that says, this is the individual you talk to, this is the control they have over my end-of-life decisions. Do I want extraordinary measures taken or do I not? And if I don't, then here's the individual that you can talk to to make that call. They call that pulling the plug.
Then there's one I pass, and, hey, who's getting things? Do I have things like a paid on death or do I have a joint tenancy with somebody on certain accounts that are gonna handle it? Do I have things in my name when I pass away that aren't covered like that? So let's say I own an asset in my individual name and I pass away, I may end up having to look at a will that's gonna push it into a document that covers my post-death wishes, like where do I want my things to go, do I want them distributed immediately, do I wanna have them held in trust for the benefit of somebody until they reach a certain age? If I have sizable estate, maybe I don't want a whole bunch of money going to my 12-year-old or to my grandkids when they're 10. They may not be able to handle it, or even worse, maybe it's a 21-year-old, I'm not dumping a bunch of money on them when they're making critical life decisions and maybe they choose, "Hey, you know what? Maybe I'm not gonna go to college because I have this money and I'm just gonna goof off for three years." And then they make a really bad life decisions. Maybe I'll wanna say, "Hey, that money is there until you reach 30.
It's there for health, education, maintenance, and support." You cannot do that through a will, you've gotta have some sort of trust vehicle connected to it. So living trust is our only option there or an irrevocable trust, some sort of trust. It's not gonna be handled inside of a will. The will might still be there.
And it might name the trust as the sole beneficiary of your state to make sure that there's no question, there's nobody out there making claims against your estate, and that gets transferred over. So that's upon death. And then there's post death, is your wish is carried out. And a lot of people don't realize, but you can create a legacy with a living trust just as easy as anything else. I could have, for example, life insurance on my life that goes into my trust when I pass away, and maybe I think education is super important, so I have my living trust, say my descendants get assistance with reasonable expenses of education, higher education, colleges, or universities, and this money is to be used for that purpose. And you give some instruction in your living trust, and it's there to allow people to always get an education if they want.
And it's your descendants, so it could be your kids, your kids' kids, your kids' kids' kids' kids' kids' kids' kids. We put a term of years that a lot that we can extend. You can actually go from 365 years pretty much for an infinity period of time, and the moneys, even if I don't have a ton of money, as long as I have life insurance, I can fund that thing and I'm giving it an actual indication, here's what I want. So you have really, just kind of a review, three ways. I have my pre-passing away. I know I need to have documents.
It's never gonna be covered by doing nothing or by using a will. It's always gonna require a living trust. So I need to have my power of attorneys for financial, I need to have my power of attorney for medical. I need to have my releases of medical information so a doctor can share valuable information with the people that I want making decisions for me. I need to make sure I have documented living will end-of-life decisions.
Then there's upon the passing, and if I do nothing, it's called intestate. If I die with a will, I'm going to probate that will. I'm guaranteed to go in there and I get to do the process, the probate process, which can be many years and expensive in some states statutory, like for example, in California, starts off at 8%, 4% of the lawyer, 4% of the gross value of my estate, not the net, but going to the lawyer and going to the personal representative. And it adjusts the bigger the estate is. And then there's the living trust, which requires no probate. It just requires administration by somebody that I trust or a company or a fiduciary to handle it to make sure that whatever my wishes are, that they're carried out.
Of the three, doing nothing, will or living trust, I'm always gonna side with the living trust, and so the answer to the question, do I need a living trust, is always gonna be yes, if you're asking me. Because I do not look and say, "You're estate's too small," because I think that's just not wise, not nowadays. It's almost always gonna be less expensive to do the trust and to not have the probate versus doing the probate if I do just a simple will and it never answers those pre-death questions. I cannot do that with a will. I cannot cover the financial matters or health matters with a will, I have to have those financial power of attorney.
I have to have that living will. I have to have a HIPAA or whatever your state may call it, by the way. Some states call it a power of attorney, some call it a directive, like there might be a healthcare directive versus a healthcare power of attorney. It's nomenclature. It's I have financial, somebody designated to handle my things, medical, I have somebody to cover my things, end-of-life decision, I have something that the hospital, the doctors can talk to.
When I pass, I have, here's where it gets accumulated. Is it going into the trust or is it being distributed out to be a will. I prefer to have the trust so I can go on for a longer period of time. If it goes into the trust, what are the terms of the distributions? Is it restricted on age, the other restrictions for alcohol or drug abuse or things like that? Or is it just going in maybe, we call it HEMS, health, education, maintenance, and support. There's these very bright line, like, hey, if I just want it to be held there in case my future generation, maybe my kids need it, maybe my grandkids, maybe my great, great grandkids, maybe there's money there if they need it. So for health, education, maintenance, or support, hey, they're never gonna be homeless, they're never gonna be without, but they can't take my money and buy a Lamborghini.
But if you need a vehicle, there's enough money there to cover the cost of appropriate vehicle. And you're not gonna see big abuses, you're not gonna be see big lifestyle changes. It's there as a safety net in case somebody gets sick or they need to go to school, or they have those types of things. That's called HEMS, and that's fairly common. Hey, it's going into trust for this purpose, but you don't get to go in there and just take a million bucks at your willy nilly and blow it on a trip to Vegas and making bad decisions. It's also really good because if you're worried about your kids love life and their decision-making, you don't have to worry about divorces because the money's not in their pocket and available to spouses.
If I just distribute money, then it's theirs, and then if they get divorced, it can get wrapped up in there. Even though it's technically considered separate property, it always gets brought in. And it's always a factor that the court can consider when they're dividing up assets because it's an equitable division. So they always look and say, "All right, what does everybody have?" It's not just bright line. The court gets to consider all available resources.
If it's sitting in a trust and they don't have that immediately accessible, it's not their asset, it's not divvied up in property distributions. It may be considered if they're saying, "Hey, this person really needs this support." You may say, "Hey, they're a beneficiary of a trust," but you're looking at the trust and you have a trustee that says, "Hey, it's not a guarantee." So it's not like the money is sitting in their account.
So if you're going to give your children a whole bunch of cash, and they're married, always understand that that ends up being blended into those assets of the marriage. At some point, it's gonna be ignored where it came from unless they could trace it, unless they kept it completely separate, which nobody ever seems to. And here it is that years later, somebody goes through a divorce and sometimes those assets get divvied up and you didn't even intend it, oops. Or if you're not careful, you could disinherit children. So if I have nothing and I'm just leaving it to a spouse, maybe I had a previous marriage.
And I'll just give you an example. Somebody grows up, they have kids, spouse predeceases them, they get remarried. They're not thinking anything of it. 70, 80 years old, and you pass, and you don't even realize that you just gave your entire estate to the new spouse. It's the Anna Nicole Smith syndrome where Nicole Smith was a playboy model, 28, married a guy who's 80 years old in a wheelchair.
And he predeceased her and she said, "It's mine," and all of his kids were disinherited. They were able to prove fraud, but it went on for years, and it became a big, big issue when all he had to do is to be a living trustee with his previous spouse, especially as it would have gone. And at most, there's half of the estate that would have been at risk, but it would have prevented the kids from being disinherited outright. Now, that was a egregious situations, rarely like that.
Usually what happens is somebody just gets remarried and doesn't think anything of it and leaves everything to their spouse, not realizing that this actually happened to my family. So I could tell you firsthand knowledge that it does happen is it ends up going to somebody and that somebody in their family, when they're deceased, it goes to their kids and not your kids. So you get remarried and you leave your everything to your spouse. You probably just disinherited the kids from your biological children from the previous marriage and gave it to somebody else's kids. So that's probably not something you're intending to do.
So we make sure that there's a living trust that says, "Hey, this amount comes over here for the benefit of my surviving spouse. And they have it until the end of their life, and then it goes to my biological children." So that's usually how you do it, it requires a living trust. So there's the do nothing, there's the will, and there's the living trust.
Obviously, the biggest value and the one that's most appropriate and handles all the issues is living trust, which is why I always recommend them. They're much less expensive than having disputes. They're much less expensive than the pain and sorrow of not having designated individuals.
And I'm always doing this weighing test. And no matter what, you have a body, you're having insureability, and you can create an estate plan in legacy with the living trust, you can't do otherwise. So it becomes my only tool. We have to use a trust, whether it be revocable, irrevocable, or sometimes we can use charities and foundations. Sometimes we're using other entities to create legacies.
All of them necessitate the use of living trust that covers the individual that we're working with. And so I can say with certainty that barring extreme circumstances that I've yet to really see the living trust is almost always gonna win out. Now, how do I put one together? It's as easy as documenting your intent in a contract. That's all living trust is, is a contract with you as a grantor, with you as a trustee saying, "I'm gonna watch over my own stuff," or me as a beneficiary. And then when an event occurs, so for example, just think of a triangle, I'm the one who gave it, I'm the one who watches over it, I'm the one who benefits.
If I can no longer take care of it, then I'm bringing in a new trustee. So I might designate a trustee, maybe it's a spouse, surviving spouse, maybe it's a company. If I don't have a spouse, maybe it's a child that you really trust or somebody else that you trust, family member that you trust. And they're handling the asset for my benefit during my lifetime.
I will not be the grantor in this situation. I'm the one who gave the asset into the trust. So when I pass away, no more grantors, when I pass away, we just change the trustee.
And then I'm changing the beneficiary. It's for my benefit during my lifetime, but if I leave this earth, the new beneficiary would be, for example, my descendant or my kids. Or maybe I'm breaking it into two trusts, one for surviving spouse and one for children, those types of things. Whatever I can conceive can be drafted, and it's just a contract saying those things.
Once you understand that, then you just realize, wait a second, I just need to get these contracts drafted up. The living trust is easy. And then I say, "Hey, what if somethings... I have to make sure I fund it."
What if I forget, then we have a catch-all. That's called a pour-over will. That says anything that's left in my name, that's in my name, I name my living trust as the sole beneficiary of my state. You make sure you have your health care documents, your power of attorneys or healthcare directives done to say, "If I can't make decisions for myself, here's who I designate, if I'm not able to make financial decisions for myself, here's who I designate." If I am in extreme circumstances where I'm not gonna be recovering, is it okay to terminate life early by pulling the plug or discontinue extraordinary measures. If the benefit's not gonna be there, it's a significant burden, that's called a living will.
That's all in the living trust document. And it's just documenting those things, signing and putting in place. Once you do that, the big question is, can I change it? Yes, during your life, you can change anything so long as you're capable of making those decisions.
Generally speaking, I don't give a power of attorney that let somebody else change my estate because they might change it to something I'm not in agreement with. So as soon as I'm incapacitated, my trust is sitting there pretty much locked in. If I pass away, it becomes irrevocable, and now nobody can change it, they're just gonna exercise what I intended. There's something called decanting, I won't get into all that, but your intent can be carried out in the future by that trustee for the benefit of your beneficiaries. The trustee does not need to be a beneficiary.
In fact, it's better if they're not. The trustee could be a fiduciary, it could be an attorney, it could be a trust department of a bank, it could be a trust department, just a trust company. There's plenty of options.
Your beneficiaries, even if they're not the trustee can say, "Hey, we don't like these trustees," and get together and remove them, if you want. So let's say you had a company, the trust department of your bank, and that was the trustee of your trust for the benefit of this class of people, your beneficiaries, or future descendants or whatever. And the descendants were really having a difficult time with that particular trust department. Those beneficiaries could all get together and say, "Hey, you know what? They're not acting in our best interest. Maybe they're doing something shady.
We're gonna change it and we're gonna elect a different trust company and move it over here because we're more comfortable with them." That's fine. The trust companies are still held to a fiduciary standard, and they're gonna do what the written documents say. So it's a great one.
If you make your kids, for example, the trustees, and they're also the beneficiaries and there's any restrictions to distributions, expect them to be ignored because they're gonna say, "Hey, I'm the beneficiary, I'm not gonna object. So let's just distribute all the money." So if you're gonna put conditions on it, like it's for education, for travel, it's for health issues, whatever. Or, hey, you can't be on drugs, you have to be in your right mind, all those things. If you're gonna put any restrictions in it, make sure that they're not the trustee, because again, they could just ignore your written instructions.
You want it to be a third party who's gonna follow your instructions, trusted advisor, or again, trust departments of banks. Really good. There are trustee, professional trustees, or maybe it's your brother or sister or somebody, and then it reverts.
And it becomes a professional fiduciary. And you can just leave it as a class. Hey, the beneficiaries get to pick the trustee so long as they're a fiduciary, attorney and accountant, or a licensed trust company. Because they're always gonna follow what the law says, they're not just gonna be influenced by a beneficiary because they have licensing that they have to worry about. If you do create a set scenario where you have somebody that is gonna be the trustee, so let's say you do say a sibling or you ask a trusted advisor and you're worried about overburdening them, don't worry. A well-written living trust will always allow them to hire that out and hire a professional to help them or to do the activity at their stead.
And they get to pick it. So they step into your shoes. And if you didn't wanna manage your money, you could hire someone to do it.
So if they don't wanna manage it or handle it, they can hire that out as well. That's always an option. So even though it seems like there's a responsibility there and you might be overburdening them, don't worry, they can get help if they need it.
Or then they could always resign. They say, "You know what? I'm tapping out," and then they go to the trust document, which again, usually gonna be an attorney and accountant or a professional fiduciary company. They need to say, "Hey, we need a trustee." Sometimes they'll charge a point or something like that.
They'll charge a percentage, a hundred basis points on it, saying, "Hey, I'll manage everything. Do the tax filings and watch over all the money and make sure it's diversified." There's lots of rules that they have to follow for the benefit of your beneficiaries. Or maybe you're somebody who says, "Hey, you know what? I just want my kids to be 40 years older or more before they get to the complete distribution."
You could do 25% at 25, 25% at 30, 25% at 35, then whatever's left at 40. You could do all of that inside of a trust. Whatever you could conceive of and whatever restrictions you wanna put on there, we could put in that document.
So the living trust becomes really, really cool. The biggest thing that we see goofed up on a trust is you put the trust in place, you sign it, you notarize it, it's there, and then you don't transfer assets into it, you keep your bank account in your name, you keep your house in your name. It's not fatal because the portal will capture it and put it in there.
But it's so much easier if you actually fund the document during your lifetime. We do put in there like a schedule of gifts that you could change it whenever you want. Get a good draft. A well-drafted living trust is gonna have some flexibility built in. And one of those things might be, hey, if I wanna leave my good China tees to child number one, and I wanna leave my wedding ring to child number two, and I wanna leave the furniture to child number three, and I wanna leave a bunch of my art to child number four, and maybe I wanna give my fishing rods to my neighbor. You can do all of that in a schedule of gifts and you don't have to go back to your lawyers every time you do it.
You could just write it in and initial it as long as your trustee can figure out what the heck you're trying to do, they'll follow it, like, "Oh yeah." Unless say you give it away twice, it's gonna be the later, it's gonna be the later. I should say the latest date.
Again, a lot of it is common sense, and you don't require a court to look over your shoulder. If you don't do the written document, expect a court to be looking over your shoulder, whether it's dying intestate or with a will. The court is the one who's distributing the asset and signing it off. And so you're gonna have a complexity, you're gonna require... In many cases, it's gonna end up being a year or two process and a lot more complexity and expense associated with it to go through the court route, which again, we prefer to avoid.
We always feel like people's affairs should be private. I don't think you need it in a courtroom, I don't think you need all your assets spelled out there for the public to see or for anybody to pull up and look at whatever it is at your state. You do it with a living trust and you have the privacy, you don't have to worry about it. I always tell people, it's the difference between looking at Michael Jackson's estate and Frank Sinatra's. One is all out there in the public and anybody can see all the nonsense that was going on, and the other one's a completely private affair, the courts don't get involved, the public doesn't get to see, it's handled privately. And I prefer to be Frank Sinatra.
I prefer my estate and my client's estates to be private. So that's about it for living trust. Do you need one? Absolutely, you need a lot more. Living trust is a very comprehensive document, includes a whole bunch of different stuff, everything from healthcare, to your HIPAA releases, your financial documents, your end-of-life decisions, your pour-over will, your schedule of gifts, and then your distribution instructions. It includes all that. So do you need one? Yes.
Is it the only game in town? Pretty much. There's some other things you could do, but everybody needs advocates for their health and for their finances. Everybody needs end-of-life decision makers that are in writing so that they can communicate with your providers, your healthcare providers.
Everybody needs to have their legacy documented of whatever it is that you want in writing. Don't leave it to chance and don't let it default to some state's statute that you weren't involved in or may not even know what it says. And everybody has the ability to create a legacy just because we have a life. If I did nothing more than bought a bunch of insurance on myself and named my living trust as the beneficiary, that's good too. Everybody thinks, "Well, I don't have enough money for that." Yeah, you do, everybody does.
Because everybody's life is worth it, and you have the ability to insure. You could even insure insurable interests of third parties and still have the trust named. If you're not able to do it on your own life, a spouse second to die policy, things like, that would work. And you can absolutely create these things in a matter of sometimes weeks, sometimes days if necessary, but no matter what, within the year, you could create a very good comprehensive estate plan. It is not tens of thousands of dollars, it's significantly less, and it's gonna be cheaper than the alternative and emotional and dollar-wise cost. So again, do a living trust, implement it, fund it, pay attention to it.
You can always change it. You don't have to redo it, you can just change a little tweaks this, amend a paragraph here or there. You're allowed to do that. It's yours, and it's completely at your discretion until such time as you're no longer there to continue to make changes to it. In which times it becomes irrevocable.
And now you've left a legacy in writing that somebody couldn't follow and make sure it's implemented. So I hope that helps you make a decision. Hope you get your living trust pretty quick.
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With Success Like This, What Would Constitute Russian Failure?
Let's presume Mueller' indictments are valid.
Let us evaluate what we know.
Putin or some other Russian official charges the GRU (Army Intelligence) to effect secretly a specific outcome of the US presidential election.
In our system I think that means affecting votes, not changing vote totals.
These GRU operatives utilize servers in the US, set up blinds to conceal the true source of their activity and perform myriad nefarious deeds.
and 4) enough information is gathered about each of them to specifically charge and indict 12 of them.
I speculate that we learned a lot about methods and techniques that are used by the GRU cyberwarriors.
So your mission is to secretly affect the US election. You proceeded, hacked, stole, and disseminated propaganda.
You were discovered and identified by name.
You gave away operational information.
And, according to the Deputy Director of the Justice Department, you did not affect one vote.
Did you successfully accomplish your mission?
Are you an example of ham-fisted bungling?
Do you relish going into your boss' office to debrief him on the op?
Shouldn't we be laughing at these bunglers.
If they want to sway voters wouldn't be better to use their rubles to hire Saachi and run an ad campaign (the old-fashioned way)?
Col Mike Osajda Marine Corps is a retired JAG Officer.


If you are an eBay dropship seller, you are probably heartily sick and tired by now of getting one piece of bad news after another, but believe it or not; there is finally a little good news for you.
During the last few years, under the direction of the current CEO of eBay, John Donahoe, something he fondly refers to as "disruptive" change has been going on. According to remarks Mr. Donahoe made shortly after taking the wheel from failed gubernatorial of California candidate Meg Whitman, his intentions have been to do away with the "garage sale" theme of eBay.
Click Here For a FREE eBay Sellers Dropship e-Book!
Dropship and all other eBay sellers scratched their heads in confusion about this since they were all aware that what made eBay great and set it apart from sites such as Amazon and Overstock was exactly what the reigning CEO sneered at: the garage sale aspect.
People came to eBay from all over the world to find the rare and unique items not to be found at every retail store and e-tail website. If you are a dropship seller, your sales consist of new products, not vintage or used or collectible. However, the enormous amount of traffic generated by those flocking to eBay to shop for those one-of-a-kind items was of great benefit to you, too, since traffic is traffic and a website with lots of traffic benefits all types of sellers on the site.
As eBay was changed and changed and changed again in an effort to emulate online mass merchandisers, the site was soon flooded with cheap, mass produced junk. Buyers and sellers alike headed to greener pastures such as Bonanza and Etsy to avoid being buried under tons of sweat shop stuff very few shoppers were even remotely interested in. Somewhere along the line, eBay lost its uniqueness and originality. It lost the spirit of what made it great in the first place.
Now, possibly due to a belated effort to turn back the tide of the disastrous "disruptive changes" that have brought growth to a standstill while Amazon has surged ahead with ever increasing sales; the powers that be at eBay have decided to throw a few perks to beleaguered sellers.
The old 55 character limit title has been changed. Now you can use 80 characters, which can be a big help when trying to be as descriptive as possible and snag a viewer's attention to your listing.
Formerly, if a buyer opened a case against you for Significantly Not As Described or Item Not Received, it counted against you whether you were ultimately exonerated or not. This was patently ridiculous, and apparently enough good sellers were suspended over it that eBay began losing even more fees, so they have amended it. Now, if a buyer files a case against a seller without contacting the seller beforehand through the eBay message system and the case is swiftly resolved, it will not count against the seller in performance ratings.
Another temporary change that will benefit you is that from Thanksgiving until around the first of the new year, if you offer free shipping and one day expedited service, you will receive 20% off your Final Value Fees. If you are a Top Rated Seller, you will get this discount in addition to your regular 20% discount. So, this will add up to a significant 40% off those pricey Final Value Frees.
It's nice to get some good news for eBay dropship sellers and other sellers for a change!
eBay Sellers: Terapeak Can Help Ramp Up eBay Sales!