What Do the Laws of Life Have to Do With Essay Topics?

What Do the Laws of Life Have to Do With Essay Topics?Whether you're looking for essay topics or you're just a little bit lost in your own mind, knowing that laws of life essay topics to use can make all the difference. And we know that if you're just starting out, you're going to want to write the essay that's going to get you where you're going and get you into the school of your dreams.The laws of life are sometimes referred to as axioms, but more properly, they are the foundation of life's existence. They show us how to get from one moment to the next.With the laws of life, it all boils down to this: Be willing to give up some things and be willing to change yourself. Most people don't have a problem with change, because change happens all the time. They think it's not only natural, but actually better than being stuck in one place.Of course, every person experiences those moments when their thoughts flow in one direction and they're on the way to their destination, and then anot her part of their thoughts flow in another direction and they're not. It's easy to see how important these laws of life are to you.Why do we need laws of life in the first place? We've been trying to figure out the most important laws of life, so that we can apply them to our lives and achieve what we want. They let us learn how to become more secure in ourselves and more accepted by others.If we could find out the laws of life, we'd probably see that every person should be able to find their own level of happiness and no one should be miserable. We'd see that happiness doesn't just come from money or a good job, and that every one should be able to feel great about themselves and everything would be alright.We'd also discover that there is a lot of help out there for those of us who want to get on the right track, but are unsure of how to do it. There are also tons of help available for those who just need a little push to get started, and if they get out of their comfort zone, the y'll begin to find themselves loving the road less traveled and loving life in a whole new way.There are many kinds of laws of life that we can use for our own gain and our own peace of mind. Knowing the laws of life will help us to understand how the universe works and how we're supposed to live. Knowing the laws of life will help us to live a much happier life.

Memorandum Related to the Benoit Family Case - 3575 Words

Advisory on IRA Required Minimal Distribution (RMD) and Tax Planning Options (Essay Sample) Content: Memorandum Related to the Benoit Family CaseName:Course:Instructor:Institution:Date:MemorandumTo:The TSG OwnersFrom:Date:May 29th 2017Re:Advisory on IRA Required Minimal Distribution (RMD) and Tax Planning OptionsFACTSThe Benoit family members, being four sisters named Lily aged 80 years, Irene aged 76 years, Frances deceased at 74 years and Barbara deceased at 68 years; plus Irenes husband Eddie deceased at 76 years and Lilys husband George deceased at 67 years; are equal shareholder owners of the Transport Services Group [TSG], in Kansas City. TSG is a successful automobile hire service with an average annual taxable income of $75,000. It is organized as a C corporation, which is any corporation that is subject to taxation as specified under the Internal Revenue Code (26 U.S. Code 11). This ensures that the six shareholders are taxed separately from the corporation. On the advice of tax experts, TSG provides generous salaries, bonuses and benefits to its six share holders and permanent employees. This provision helps to sustain them in meeting their daily personal expenses.In TSG, top leadership positions are rotated among the shareholders to ensure equity in decision making. The arrangement also ensures that the company continues to operate in the absence of any particular individual. Such absence can be due to illness, maternity or personal leave. This arrangement has ensured administrative continuity and made TSG stable for many years.However, in 2014, all the deceased members of the family, Frances, Barbara, Eddie and George, died together in a plane crash while on their way from the Rose Bowl. Due to buy-sell agreements that were in place, the company survived and continues to be profitable. The problem is how the various Individual Retirement Accounts [IRAs] of the deceased will be distributed and the tax planning options available to the surviving shareholders.ISSUES SHORT ANSWERS 1 Determination of the Required Minimal Distribution f rom IRA for Each TSG Shareholder for 2014.The first issue that arises is how the required minimal distribution [RMD] of the IRAs will proceed in respect of the deceased persons. Each deceased person has an individual account and thus each is treated separately. There are a rules that govern how each of these accounts shall proceed to be transacted and the persons allowed to do that as seen below.Frances is widowed and had started receiving RMDs at the age of 65. By the time of her death she was 72 years old. Here sole beneficiary is her son Willie aged 49.In this case, Willie is entitled to receive the RMDs of his mother which will be the IRA account balance of $ 1.5 million divided by 31.5 which is a $ 47,619 annuity. That is because 31.5 is the IRA estimated life expectancy for beneficiaries aged 49 years, USC 480 1.401(a)(9)-5). The annuity payment shall therefore last the duration of 31 and years. Alternatively, the five year rule is available to him, 401(a)(9)(B)(ii),(iii).. T he rule states that the entire IRA amount must be distributed by the 31st of December of the fifth year after the account owners death. The account is then summarily closed.In the case of Barbara there is no designated beneficiary. So her account is classified as a no-beneficiary IRA. What it means is that her account can only be distributed using the five-year rule. The rule requires that the savings in the account are paid out in any amounts within a five year period. It can even be paid out as whole in one lump sum, at any point within that period, 408(d)(2)(A). She had not benefited from any RMDs as she was still 68 years, two years short of the age of 70 years, when it would be legally compulsory for her to start receiving the RMDs, Reg 1.408-8. The best option for the surviving siblings would be to subject her IRA funds to a charity or trust for TSG employees. This account has to be dispensed with under the five year rule, as there is no other option, 401(a)(9)(B)(ii),(iii). In the case of George, his wife Lily is the sole beneficiary. However, she does not take over the account. So she can go for the best way out, which is the five year rule. The distributions will thus be distributed to her within a period of five years, 401(a)(9)(B)(ii),(iii). Given her advanced age of 80, this would be the most viable option available. Another factor that works in her favor is that George died without having attained the age of 72 years in which it is compulsory to start receiving distributions from the IRA. George died at the age of 67.Finally, Eddies account will be taken over by his wife and sole beneficiary, Irene. This is really a very straightforward procedure since she is the registered beneficiary and his spouse as well, Reg 1.408-8. Combining this account with her own account will result in less compounded taxation for Irene. This is because both accounts would be treated as one and taxed together. 2 The best tax planning options availableBeginning with the first case, Willie should take over his late mothers account thus including the annuities as part of his regular income. This would result in his current income, plus the annuities being taxed as a single source of income. The taxation rate would thus be lower than if both sets of income were taxed separately, USC 480 1.401(a)(9)-5). Should he opt for the five year rule, 401(a)(9)(B)(ii),(iii), then he would quickly dispense of the account and invest the money in other personal interests. Under this option, he can also delay withdrawing the amount up to the last possible moment, after 5 years, thus subjecting it to minimal tax.Barbaras account can only be closed under the five year rule, 401(a)(9)(B)(ii),(iii). This is the only option since she had not received any distribution from it, and did not leave a specific beneficiary. However, there is still a choice of delaying the ultimate withdrawal for as long as possible, by taking out a lump sum in the final year, 4974(a), (b). T he savings could be converted into a trust, endowment fund or charity for the sake of the company staff at TSG. These kinds of funds are not subject to taxation, though the beneficiaries are taxed at individual level.The easiest way out for Lily would have been to take over her husbands account as well. That would see her consolidate her two accounts into one. That however is not the best option due to her advanced age. In any case, she opts not to take over the account. So the most viable option is to close it down completely using the five year rule, 401(a)(9)(B)(ii),(iii). Judging by her advanced age, that is the most viable option.Irene is destined to take over her late husbands account. This enables the account to become part of her own thus reducing the tax rate, Reg 1.408-8. She will then be able to consolidate her two IRA accounts into one as she can now pay tax for both as one account.ANALYSISHow Traditional IRA WorksA traditional IRA has an inherent income referral and shi fting device. It is possible to use the instrument to defer income from the IRA for as long as possible so as to avoid paying tax on the savings made. The way it works is that tax is only levied when the fund is distributed, meaning that as the savings are made they are not subject to taxation. Since it is a retirement fund, it is only distributed when the account holder reaches and advanced age when he ostensibly goes on retirement. The lowest age at which the distribution is made is 59 years of age, but one may defer withdrawals up to the age of 72 years when such distribution is compulsory, Reg 1.408-8.There are a number of ways in which the account holder can benefit from the IRA. The first is to withdraw the entire amount as a lump sum, thus paying tax only once on it, Reg 1.408-8. This envisages a situation where the account holder wishes to close the account, perhaps to invest the money in something else.Secondly, like other retirement funds, the IRA can be distributed in t he form of regular withdrawals to the account holder over their life expectancy and the life expectancy of the designated beneficiary. Such withdrawals are taxable like any other regular income, 4974(a), (b).Thirdly, such withdrawals can also be taken against the actual life of the account holder and that of the designated beneficiary. It is also transferable to the beneficiary in case the original account holder dies. The beneficiary is stated in writing by the account holder before death.A designated beneficiary of an IRA account is chosen by the account holder and set in writing to the trustee of the account, Reg 1.408-8. The trustee can be a bank or any other such institution as shall be adjudged fit to hold the savings in respect of the account holder. The beneficiary receives proceeds from the account in the event of the demise of the account holder. Such a beneficiary is usually a spouse or child of the deceased. However, the account holder may appoint anyone they like as a b eneficiary. In some cases, the account holder appoints a primary beneficiary and secondary beneficiary. The spouse may be a primary beneficiary while the children may be the secondary beneficiaries.The use of beneficiaries ensures that there will be someone to inherit the fund in the event that the account owner dies. The secondary beneficiaries serve a similar purpose in case the primary beneficiary dies. However, the beneficiary cannot change the account in his own name but will continue to benefit from it under the name of the account owner, 408(d)(3)(c). It is only in a case where the spouse is the beneficiary and is ten years younger than the deceased that an accoun...

Get the Scoop on How to Organize a Research Paper Before Youre Too Late

<h1> Get the Scoop on How to Organize a Research Paper Before You're Too Late </h1> <h2> The Basics of How to Organize a Research Paper</h2> <p>Ensure you incorporate everything. You simply compose explore, for a quarter hour at once about whatever comes into your arrange about your point. Essentially scan for an individual who is experienced and get apprenticed by them while utilizing information you've utilized previously. To begin with, absolutely never hold back to use your room floor as a significant first instrument once it comes to getting sorted out. </p> <p>You may as of now know about what the most significant contention of your exposition will be, yet a solid postulation will assist with arranging it. On the off chance that there's a significant composing task for an undergrad paleontology program, it is commonly a finish of-term examine paper. In an extremely long paper, the proposition should be in the absolute first or second pa ssage. 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Argumenative Essay Topics - Is it a Scam?

<h1> Argumenative Essay Topics - Is it a Scam? </h1> <h2> The Fight Against Argumenative Essay Topics </h2> <p>There are a great deal of on-line exposition composing administrations to help you with your composing undertakings. The use of good instructive article points can affect how great an evaluation you get. You could consider following up on specific issues by introducing new issues that emerged in your present-day article paper. In this manner, should you need help with task composing, look no more. </p> <h2> The Essentials of Argumenative Essay Topics That You Can Benefit From Beginning Right Away</h2> <p>Now that you're mindful that we are the absolute best online exposition composing administration to work with, don't spare a moment to visit our webpage and request an article. Presently you have a thought about what a proposition exposition is and the best approach to choose the perfect theme to make your own paper, here are a couple of instances of proposition article subjects. Having chosen a superb theme to contend about, now you should make a contentious exposition plot. Looking into the subject licenses you to discover progressively about what captivates you, and should you pick something you truly like, composing the article will be more enjoyable.</p> <p>If you are a newcomer to composing useful articles or essentially battle when it has to do with considering instructive exposition subjects, at that point there's a great possibility you may be scanning for some assistance. When you have your thoughts arranged, it will be a mess less complex to form this exposition. </p> <p>When it has to do with composing a factious exposition, the principle issue to do is to choose a theme and a contention which you can truly get behind. Once can ride the web to get a couple of instances of pugnacious article points, in any case, there are sites which help to find subjects relying upon the watchwords. In any case, endeavor to create a paper completely all alone with no assistance. </p> <h2> Top Choices of Argumenative Essay Topics</h2> <p>Understanding how to create a solid factious paper will assist you with propelling your own special contentious reasoning. Some offer composing help despite the fact that others rotate around altering. Winston Churchill gave an awesome discourse and he was an astounding communicator are exactly the same thoughts. </p> <p>In different words, a proposition exposition recognizes an issue and recommends a solution for that issue. You need to find not too bad proof to fortify your thoughts and guides to show the proof. The subject must be founded on an extraordinary proof base. At the point when you are mentioned to settle on an incredible subject for your contention, start with something you're acclimated with. </p> <p>Odds are, you should simply unwind and find a point you're enthusiastic about and, clearly, one that is easily proven wrong. The absolute initial step is to become familiar with the point you need to expound on. On the off chance that you select the erroneous subject, you may stall out with your composition and make some troublesome memories pushing ahead. All you will require is the best possible topic.</p> <p>Writing contentious expositions requires a lot of time to complete, particularly when you don't have a relegated subject. The main thing you are going to need to do once you've picked your subject is to start by composing a framework. Picking points is an individual expertise that you should learn and rehearse at school, so quit tarrying and adhere to the straightforward tips beneath to have the option to consider new thoughts and make an extraordinary theme to chip away at. Settling on an enthusiastic theme is likewise an astounding thought. </p> <p>Getting in a situation to form a solid contention will permit you to prevail in the public eye. It's going be unmistakably increasingly charming on the off chance that you have some energy for the subject issue. Find which of the themes, you as of now have a genuinely decent foundation on which will make it workable for you to have a relative edge. 1 independent postulation subject that is given is on the articulatio n police severity. </p> <p>Every time you request brisk help by methods for your undertaking, contact on-line master composing administration which may set up a factious exposition regarding the matter you like. Kissing in open should be restricted Men should be sent to an alternate planet. Today, ladies are currently ready to go to open military schools and are equipped for advancement to the best positions. Be a piece of our cheerful customers who have discovered the absolute best paper administration on the web and are getting a charge out of its upsides. </p>