BBC DESIGN RULES 1st EPISODE: SPACE AND PLANNING

Space and Planning Laurence Llewelyn-Bowen gets right down to the fundamentals of design in this fascinating back-to-basics series. He tackles real problems in real homes as he explores six themes: space, colour, light, texture and pattern, balance and order, and personality. In addition to his own in-depth knowledge of design principles, Laurence calls on a colour forecaster, psychologists and a perception specialist to explain and demonstrate the science behind the how and the why. Taking a real home where a design problem is all too apparent, he demonstrates some simple psychology and basic experiments in a 'design lab' back at the studio -- and it's all done without knocking down walls or spending big bucks. Space comes under the spotlight in the first programme. Lack of space is a common problem in British homes which, surprisingly, have 20 square metres less space than Japanese homes, with an average of only 120 square metres. "The cardinal sin that the British indulge in beyond any other nation is the concept of agoraphobic furniture that feels it needs to keep its back against the wall at all times in case something unpleasant happens to it!" quips Laurence. By painting the walls a paler colour, bringing the outside inside by strategically placing an eye-catching object outside the window and switching to light-reflecting flooring, the brain is deluded into thinking that the room is bigger. Suddenly, the crowded living room is calmer and seems larger -- thanks to ...



http://www.youtube.com/watch?v=-WX5UjI8IoA&hl=en

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Six Tips On A Florida Living Trust - Sunshine Estate Planning

Keeping your assets and inheritance matters private, avoiding the costs and frustration of Florida probate, completing a swift legal asset transfer to legal heirs is why Florida living trusts have snowballed in popularity with the "snow-bird" set.

Tip #1 Florida Estate Planning To Avoid Probate Costs. Florida living trusts are all about taking smart and legal planning steps to minimize complexity, cost and grief following death. Remarkably, thousands of people fail to prepare their estate for legal transfer. Age, ill health or an accident leaves them incapable, incompetent or worse! Result? Their entire estate, along with the unraveling of taxes, creditor obligations and more "defers" to the probate court.

* What Probate Costs Families! Families and estates without properly constructed asset transfer documents like the revocable Florida living trust, could lose over 20% of the estate's value to court administrative and attorney fees, and up to three years or more in court time, add-in a chunk of grief and frustration, and then ice the cake with the time-value cost of financial assets taken out of the market for the probate period. And, don't forget your family's total loss of privacy...while a Florida living trust renders the asset details and transfer utterly private, the Florida probate court is an "open book" for any snoopy neighbor or investigative reporter to pour over.

Tip #2 What About Taxes And Asset Protection In My Florida Living Trust. * No Tax Benefit. Florida living trusts do not provide any tax benefits at all. Ordinary earned income and/or capital gains and losses, partnership income, rents and the like for all the assets "funded" into the Florida living trust are treated for taxation purposes on your personal or joint tax filing. The only exception may be Florida living trusts where the combined estate asset "community property" of a husband and wife exceed the then current Federal estate tax exemption figure.

* No Asset Protection. Florida living trusts also do nothing about asset protection from creditors or judgment lawsuits. If you personally own an asset, and if that asset is not protected or legally sheltered, and if you "lose in court", then the litigating party or plaintiff will likely obtain a judgment order to reach-in to your living trust and legally remove the target asset.

Tip #3 Picking Your Trustee And Successor Trustee. If you want to personally direct your Florida living trust business, then as grantor or settler you can appoint yourself as the initial Trustee. Make sure to instruct for a "successor Trustee" who is the person ... or institution like a bank or law firm ... who will have the actual job of distributing the assets according to your instructions, and complying with all filing and statutory requirements under Florida State law.

Tip #4 You've Got To Hire An Attorney - It's The Law. Reviewing assets, preparing a revocable Florida living trust for inheritance matters, and entering into a legal service contract requires that the preparer be a Florida State bar certified attorney. Any other situation constitutes illegal practice of law within Florida, and is punishable. Your Florida estate attorney has a multi-part role ...he or she will identify all your assets, make sure that they legally transfer into your inter vivos revocable Florida living trust.

Tip #5 Getting Your Assets Together. What empowers your Florida living trust is both its form, its administration and whether it has been legally "funded". In layman terms this means that all of your assets ... both in Florida or any other State ... must be legally transferred in title and control to your Florida living trust. Assets that you forgot about or didn't manage to transfer prior to your death could get bound up in probate, and will impact your heirs in ways they don't need to experience. Walk carefully when handling 401K or IRA retirement accounts, in order to ensure that changes to beneficiary designations are handled correctly.

Tip #6 Your Florida Living Trust Is Your Estate Planning "Alter Ego". Think of your living trust as a documentary form of You ... what you've worked for your entire life, the assets you've created, and your preferences for inheritance are entirely captured by your Florida living trust. You "fund" the trust with your financial and real property assets. You can amend it or determine the trust's day-to-day business ... it's revocable ... up until the time of your death. Thereafter, no change is permitted. Your Florida living trust reverts to an "irrevocable trust", managed by your successor trustee under strict rules until all assets have been legally transferred, taxes paid, and creditors paid.

Bottom Line. If you're looking for privacy, and potentially significant cost and time savings to your heirs, without the imposition of court-ordered probate, then examine further the increasingly popular Florida living trust.

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Planning Your Living Room Decorating Project

Would you love to redecorate your living room, but don't know where to begin? If you've lived with the same furniture, arranged in the same way for a long time, it can be hard to envision something new. Living room decorating may be challenging, but it doesn't have to be complicated.

The first step to living room decorating is to identify how the room is primarily used. Knowing the purpose of your living room can help you decide exactly how to decorate it. If you have not redecorated for several years, the purpose of your living room may have changed. What was once a children's playroom may now be the place where you most like to read.

The living room furniture you have in place today might no longer suit your needs according to the room's purpose. Have several of your children grown and moved out of the house? Do you still need an eight-foot long couch for television viewing, or the rocking chair you used as a young mother? Do you need an additional coffee table or new end tables?

Create a floor plan for your furniture. Look for items you can eliminate and replace with more appropriate items over time if necessary. You can always add more items; taking them away is what most people find challenging. This is why living rooms commonly become cluttered with too much furniture and too many furnishings. Remember to plan for open spaces as you create your floor plan.

Living room decorating involves rethinking furnishings as well as furniture. As you plan, visualize removing all of your furnishings, leaving only the furniture in place. Now, add back in only those items you truly want to display and will enjoy caring for on a regular basis.

You will probably find many of your furnishings are worn or dated; selecting new furnishings can be a fun part of living room decorating.

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