Wise Family Investments: Setting Up A Trust Fund

During these tough economic times, investing in your child’s future is one of the wisest structured family investments that you can make. Despite the squeeze on household finances, more and more families nowadays find that it’s vital and practical for every child to have the best possible start in life through investing in a financial support scheme. A trust fund can be comprised of properties, cash, bonds or stocks intended to provide financial security and benefits to an individual.




The amount of money invested in a child trust fund is a long-term savings that encourage parents to save for their child’s future. The recipient can withdraw the money only until a specified event occurs or when he reaches 18 years of age that he can already be eligible to receive a yearly income from the fund.


Trust fund is about giving beneficiary money that your child needs but not providing them full control over the investment.  You need to delegate a trustee who will be in charge of the money for your child until such time that the fund matures and that is when the beneficiary is of the right age to receive the financial support to help him achieve his goals.



There are different trust agreements that you can use for different situations. So, before you set up a trust account, consult your legal counsel and ensure that you have the agreement in writing to protect you and your beneficiary. Trust funds can be formed while you are still alive or upon your death. It is also wise to note to include in your agreement the ability to revoke it in case there are changes in the circumstances. If you are to choose a trustee, be sure that you can trust that institution or person with your life and your finances. 


Image credits to: Stuart Miles - freedigitalphotos.net


Lovingly written by Joy












2014 Emmy Award Winning Shows to Watch



This year’s Emmy Awards saw the return of crowd favourites, such as Modern Family, Game of Thrones and the critically acclaimed Breaking Bad. Though the end of Breaking Bad will leave a hole in our hearts, the latest TV newcomer, True Detective, showed it could be the next big hit, taking home five Emmy wins after its first season. If you haven’t already jumped on the bandwagon of these four brilliant shows, here’s a recap of what you’re missing out on.

Modern Family

Comedy series Modern Family once again proved itself to be two steps ahead of the rest after its fifth win for Outstanding Comedy Series. The story follows Jay Pritchett, the head of a big and unconventional family, which includes Jay’s second wife Gloria, his two adult children (Claire and Mitchell) and their respective families. This year’s Emmy Awards saw Modern Family win Outstanding Directing for a Comedy Series and Outstanding Supporting Actor in a Comedy Series awarded to Ty Burrell.


Breaking Bad

2013 marked the final season of Breaking Bad and at the 2014 Emmys, the show went out in style, with an amazing six Emmys, including Outstanding Drama Series. When a high school science teacher, Walter White (Brian Cranston, Outstanding Lead Actor in a Drama Series), finds out he has terminal cancer and no money to pay for treatment, he turns to former student, Jesse Pinkman (Aaron Paul, Outstanding Supporting Actor in a Drama Series), to help him cook and sell crystal meth. His struggle to provide enough money for his family after he dies leads him deeper and deeper into the vicious drug world.


Game of Thrones

Keeping up its growing history of excellence, Game of Thrones returned for its fourth year for another four awards. Set in a fantasy world, Game of Thrones follows the political struggles of ruling families, all vying for a chance to take the Iron Throne. While war rages in the south of the land, a dark and terrible force awakens in the frozen north, ready to sweep across the land. Across the sea, three dragons, thought to be extinct, hatch with the help of the last true heir to the Iron Throne. This year saw Game of Thrones win in what it does best. Awarded Outstanding Special and Visual Effects, Outstanding Costumes for a Series, Outstanding Art Direction for a Contemporary or Fantasy Series and Outstanding Prosthetic Makeup.


True Detective

With Breaking Bad coming to a close, True Detective has stood up to take its place as the next big crime drama. Awarded fiveEmmys in just its first season, True Detective has a bright future ahead. Two homicide detectives, Martin Hart and Rustin Cohle, hunt for a serial killer in Louisiana for over seventeen years after coming across the ritualistic murder of a prostitute in 1995. Click here to get season one of True Detective on DVD or Blu-ray. Among its awards were Outstanding Main Title Design, Outstanding Cinematography for a Single Camera Series and Outstanding Directing for a Drama Series.

What other Emmy award-winning shows are you looking forward to watching? Leave a comment below to share your answer.


Breaking Bad Screening Lab in Hollywood
Image by: The Conmunity -  Pop Culture Geek, on Flickr - https://flic.kr/p/7JH1mC

Image credits: "Emmy statuette" by NASA - NASA.GOV. Licensed under Public domain via Wikimedia Commons - http://commons.wikimedia.org/wiki/File:Emmy_statuette.jpg#mediaviewer/File:Emmy_statuette.jpg



Lovingly written by Joy












Why is Organic Container Gardening Very Popular?



For the growing health-conscious community, organic container gardening is a practical way of growing fresh and clean produce for home consumption. This type of gardening method, require less space thus it is ideal even for city and apartment dwellers. Growing plants even if they are in containers can still be lots of fun and therapeutic. Many people feel relieved to see growing greens amid the concrete jungle they call home.

One of the major reasons why organic gardening is very popular these days is that it can give you nutritious and healthy produce for your family’s consumption. It is also very rewarding to see fruits of your labor being prepared for your meals!

Container gardening is also perfect for anybody who wants to put up his or her own garden despite lack of space or time. Because you only plant in containers, you don’t need to dig or till or need lots of gardening tools. It is inexpensive and simple. You don’t have to worry about your plants not getting enough rain or sunshine because you can easily move the containers around when you need to.

Lastly, container gardening do not eat up your time and space. In less than 15 minutes, you can water all your containers. You can set up your garden in your balcony or the rooftop of your apartment. Some also utilize their walls by putting up vertical racks so it’s pretty much convenient for everybody!


Photo credits: Tomwsulcer (Own work) [CC0], via Wikimedia Commons

Lovingly written by Joy












Most Common Driving Offences to Avoid

There are many hundreds of driving offences on the statute books, but only a relative few are regularly broken by drivers to the extent that courts must deal with them time and time again. Worst of all, these commonoffences tend to be at the higher end of the punishment scale, attracting stiffer penalties and fines. If you find yourself regularly stopped by police for these offences, it might be time to seek professional legal advice from a firm like GC Traffic Lawyers or perhaps even consider taking a driver refresher course.




Of course, the best way to avoid trouble with the police is to not commit offences in the first place. Here are a few of the most common, and serious, driving offences to avoid if you want to hold on to your licence.

Drink driving

It’s been more than 30 years since governments identified drink-driving as a major killer on the road and began campaigns to stop the offence through a combination of demonization and an appeal to common sense. While the numbers of drink-drivers are decreasing, many motorists continue to think it is okay to drive after consuming too much alcohol. It’s an offence even to sleep in the car if you are drunk and in possession of the keys. Don’t tempt fate. If you are going to drink, leave the car at home.

Driving while disqualified

One of the consequences of being caught drink-driving is having your drivers’ licence disqualified for sometimes lengthy periods. Yet this isn’t enough to stop some idiots from getting behind the wheel – some even drive home from court just hours after being disqualified. Driving after having your licence taken from you by the courts is serious and repeat offenders can find themselves in a prison cell.

Unlicensed driving

Just slightly less serious is the offence of unlicensed driving. This is usually committed by people who have let their licence expire (intentionally or unintentionally), drivers who have not sought to get a new licence after a period of disqualification and those who never bothered to get a licence in the first place. It is unacceptable, except in a dire emergency, to drive without a licence.

Speeding

Everyone knows not to do it, yet just about everyone goes over the limit occasionally, even by just a little bit. The fact is, speed kills and exceeding it by even a few kilometres an hour poses a danger not just to you, but to all other road users. Speeding can make it more difficult to control your vehicle and increase the distance it takes to stop, especially in an emergency.

Driving while holding an electronic device

A relatively new offence, driving while using (or even touching) an electronic device such as a smart phone or tablet can be a trap for unsuspecting drivers. Most people know that they can talk on their phone only if it is connected to a hands-free device through cable or Bluetooth. What they don’t know it is also illegal to even touch your phone. This includes using it as a GPS while it is attached to a holder or just checking your text messages.

There are so many traffic offences that it is relatively easy to be caught breaking a rule. But avoid these five most common offences, and you stand a better chance of holding your drivers’ licence a little longer.


Image credits: "Cell phone use while driving" by Ed Brown as Edbrown05 - Own work. Licensed under Creative Commons Attribution-Share Alike 2.5 via Wikimedia Commons - http://commons.wikimedia.org/wiki/File:Cell_phone_use_while_driving.jpg#mediaviewer/File:Cell_phone_use_while_driving.jpg


Lovingly written by Joy













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