Posts Tagged ‘married couple’

Movie Review – Bone Collector(1999) A Drama – Mystery – Thriller Picture by Jeffery Deaver

Thursday, August 26th, 2010

The Bone Collector is a 1999 drama-mystery-thriller film starring Denzel Washington and Angelina Jolie. The movie was based on a crime novel written by Jeffery Deaver, concerning the quadriplegic detective Lincoln Rhyme. It was the first book of the Lincoln Rhyme series.

A quadriplegic ex-forensics specialist, Lincoln Rhyme (Denzel Washington) and a patrol police, Amelia Donaghy (Angelina Jolie), team up to solve a series of murders all related to a serial killer by his signature: a single shard of bone is took from each of the sufferers. Rhyme is bed-ridden, but communicates with Amelia through phone as she examines the numerous crime scenes and collects evidence and reports back to him. Lincoln is completely oblivious to Amelia’s astonishing good looks – they operate on a completely professional point, and Lincoln’s almost morbid interest in her is based on her professionalism and flair for crime solving.

The murderer fakes as a New York cab driver, and kidnaps and kills those who get in his taxi. The first two sufferers are a married couple named Alan and Lindsay Rubin, who get a taxi home but then find themselves kidnapped by the assassin. Amelia uncovers Alan’s body covered in a Civil War-era railroad bed. She also discovers a piece of shellfish, which eventually leads Amelia – working with Rhyme – to Alan’s wife, and a piece of paper. The detectives find Mrs. Rubin, too late, at a steam junction in a below ground services area of a building in the financial district, secured using old handcuffs or shackles at the mouth of a pipe which emits steam. She has been scalded to demise from the steam. The executioner has also removed a bit of flesh and bone from her arm. Amelia uncovers another piece of paper at the scene.

The killer then abducts an NYU undergraduate. He is taken to a ruined slaughterhouse where he is tied to a pole and gutted with a knife, and left for rats to feed on. Amelia and Rhyme, using the clue left by the assassin at the sight of Lindsay Rubin’s demise, find the victim, but again too late to rescue him. Again, the executioner has took a piece of the victim’s bone. Amelia is able to collect the data, including another scrap of paper. The pressure of the tense inspection and practical challenges to both Amelia’s and Rhyme’s involvement with the case are having grave impacts on Rhyme’s fitness and steadiness.

chasing piecing together the message the murderer was sending using the scraps of paper, Amelia and Rhyme are led to an old book of short stories, which in turn leads them to the slayer’s next victims, a grandfather and granddaughter tied to a pier as the tide rises. The girl is rescued, but her grandfather dies. At the scene, Amelia finds another bone, an old police badge, and an old subway map. These clues, and an earlier hint left by the assassin at the sight of Mrs Rubin’s death lead Amelia to an discarded subway stop, in which Amelia sees a few numbers which have been tampered with to spell out Rhyme’s police badge number. Amelia then figures out that the bone collector is following Rhyme.

The bone collector arrives at Rhyme’s home, and after murder Rhyme’s nurse Thelma (Queen Latifah) and Captain Howard Cheney (Michael Rooker) it is revealed that he is the medical technician who cares for Rhyme’s medical tools. The technician, Richard Thompson (Leland Orser), is an ex-forensic police who wants settle scores because in the past, Rhyme’s testimony helped condemn the assassin of planting false proof at crime scenes. The consequence is that Richard was brutalized in jail and his life ruined. Still then, Rhyme manages to jam Richard’s hand by flapping his bed horizontal, and in effort to free himself, Richard pulls Rhyme with him and they both collapse to the floor. Rhyme then manages to bite Richard in the neck, causing huge bleeding. Richard once again manages to release himself, grabbing a large knife and about to kill Rhyme, Amelia suddenly appears with a gun, killing him before he has a chance to deliver the fatal stab.
The picture ends at a Christmas celebration at Rhyme’s apartment with his sister and niece coming to visit him along with Amelia, Dr. Barry Lehman (John Benjamin Hickey), Kenny Solomon (Mike McGlone), Paulie Sellitto (Ed O’Neill) and his family, Eddie Ortiz (Luis Guzman) and his mother, and Lincoln’s new nurse.

It was released on 5th November, 1999. Based on 82 reviews collected by Rotten Tomatoes, The Bone Collector has an average approval rating of 28%, with an average score of 4.2/10. It is like Pavement (2002, Darrell James Roodt).

Mitchell John is a new writer. Her main job is writing articles about movies. MItsha writes on movie reviews and the trend.

Home Sales: Do you Really Know the Tax Exclusion Rules?

Wednesday, August 25th, 2010

A single person can exclude up to $250,000 of the gain from the sale of their home and a married couple up to $500,000. However, there are qualifications, rules, exceptions to the rules and special situations. This article outlines the major rules and clears up many misunderstandings.

First, you must meet two tests: the ownership test and the use test.

The Ownership Test

This test requires ownership of the property for at least two of the five years prior to the sale. The ownership does not have to be continuous.

The Use Test

The use test requires that you lived in the home as your principal residence for 2 years during the 5 years preceding the sale. Again, the 2 years do not have to continuous. Short temporary absences, such as vacations or spending a couple or months in the summer at the lake, are periods of use. Even if you rent out your home while you are gone, there is no interruption in your period of use.

The periods used to satisfy both of these tests do not have to be the same. In addition, members of the Armed Services or Foreign Services can choose to suspend these tests for any period they or their spouse is on “qualified official extended duty”. If people become mentally or physically unable to care for themselves or have to go into a nursing home, the two-year use requirement shortens to one year. Therefore, it is possible to qualify without actually living in the home for the required two years.

For people who have lost their homes to hurricanes, floods, tornadoes and other natural disasters, or have had them condemned, a special rule applies. They can add the time they lived in the home destroyed or condemned to the time they have lived in the home on which they want to exclude gain.

What is a Home?

A home, for capital gain exclusion purposes, must be your “main” home. It could be a house, houseboat, mobile home, co-op apartment or condominium. Note that if you sell the land on which your home is located, you cannot exclude the gain from the sale of the land. An example would be selling the land on which your mobile home sets, buying another piece of property and moving your mobile home to the new location.

If you own a vacant lot next to your home and sell it as part of your home sale, special rules apply. If you own a home in the city and a cabin in the mountains, the home where you spend the most time is the one where the tax exclusion applies. There are at least nine tests used to determine your main home if you own more than one.

The Exclusion

First, you must meet the ownership and use tests, or fall under one of the exceptions, and have not used the exclusion on the sale of another home within two years of the current sale.

If you are single, you can exclude up to $250,000 of the gain on a sale. If you own the home jointly with someone else, and each of you files single returns, each can exclude up to $250,000 of their interest in the home.

If you are married and file a joint return, you can exclude up to $500,000. However, you must meet one of several conditions. Either you or your spouse must meet the ownership test. Both you and your spouse must meet the use test. During the two years preceding the current sale, neither of you excluded gain from the sale of another home.

If your spouse dies, and you do not remarry before the sale, you can count the time your spouse owned and lived in the home to satisfy the ownership and use tests.

In today’s society, many scenarios require careful adherence to the rules. For example, a single woman sells her home and remarries a man who owns a home. They decide to sell. Another common example: Mary and John are single and each owns a home. They marry and decide to sell each of their homes and buy another. Here is another: Janet receives the home as part of a divorce settlement and later decides to sell.

The Partial Exclusion

Even if you do not meet the ownership and use tests, it still may be possible to claim a partial exclusion under certain circumstances.

If you have to sell your home because of a change in employment, your home sale could qualify under a “safe harbor.” The rules contain many tests to determine if the safe harbor applies.

If the primary reason you have to sell your home is health-related, you could qualify for a partial exclusion. The health issue applies not only to you, but also to a large list of people classified as your extended family.

Unforeseen circumstances also qualify for a partial exclusion. These include an involuntary conversion of your home, man-made or natural disasters, death, unemployment, a change in employment status, divorce and multiple births.

I hope you have seen that applying what you may think the rules are to the sale of your home may not be as simple as you thought. With all the rules and exceptions, it would be prudent to solicit the advice of an accountant, tax attorney or real estate professional prior to listing your home.

Robert D. Cavanaugh, CLU is a 36-year financial and estate planning veteran and author of the free newsletter, “The Estate Preservation Advisor”. For cutting-edge, easy-to-understand financial planning resources and techniques to increase your income, reduce taxes and preserve your estate, go to http://theestatepreservationadvisor.com/freevideo.htm

8 Lgbt Friendly Tax Tips From The Tax Lady Roni Deutch

Tuesday, August 24th, 2010

Mortgages
When it comes to mortgages, the best way to save money on your taxes is to plan in advance which person should take the mortgage out. If you are making $45,000 a year and your partner is making $150,000, it makes more sense for your partner to take out the mortgage. This is because the higher income-earning partner can then claim the mortgage interest deduction over the years, and save more due to being in a higher tax bracket.

LGBT Friendly Help
Ask friends, family, and community members if they know of a tax professional that specializes in LGBT taxes. When it comes to taxes for unmarried couples, you can use all the advice you can get! Most tax professionals will be able to help you to some extent, but having a specialist in your area ensures you are doing all you can to make your taxes as low as possible. It also improves your chances of taking advantage of any benefit you do get.

Gift Tax Exclusion
A married couple has the great benefit of being able to give gifts to each other without having to pay gift or estate taxes. Unfortunately, couples within the LGBT community cannot do the same. There is however, the annual gift tax exclusion, which when used properly, can make up for some of this injustice. The annual gift tax exclusion allows you to gift $11,000 worth of assets without paying taxes on them.

Charity Contributions
Charitable contributions can greatly help you reduce your tax liability. Much like the mortgage interest, you are going to want the partner with the highest income making your charitable contributions—and getting to claim the resulting deduction.

Be Prepared for Anything
When living with a partner that you cannot legally marry, it is important that you are both vigilante when it comes to your finances. No one wants to think it, but if your relationship ends, you are not protected the same way as a married couple is for purposes of dividing assets. If there is no agreement governing the relationship, asset ownership is pretty much going to come down to who bought or funded what. This may not seem fair, as you may have made purchases based upon who benefited most, taxes-wise. When you begin building up many valuable assets, hiring a lawyer to draw up documents is smart. Consider entering a cohabitation agreement to govern your finances during the relationship and providing the framework for splitting assets if your relationship goes sour.

Asset Shifting
You should also consider moving assets between you and your spouse to save on interest. Since you have the lower income ($45,000), you will want to shift more income-earning assets towards yourself. This way, you will be taxed at a lower rate on the income earned than your partner ($150,000) would. The ability to asset shift is actually a huge benefit when compared to married couples, who cannot asset shift if filing jointly.

Inheritance Taxes
If you and your partner are registered civil partners and your partner passes away, you do not have to pay inheritance taxes at all. However, if your state does not recognize registered civil partners, your partner may, in fact, be subject to estate taxes before the bequest.

Separate Accounts
Separate accounts will simplify financial management for you and your partner. You may also consider three accounts—one account for yourself, one for your partner, and one joint account. Use your separate accounts to pay individual bills and taxes from. Also, use the separate accounts to deposit your income into. Then, each of you can fund the joint account to pay shared expenses (e.g. groceries, trips, etc.).

The Tax Lady Roni Deutch and her law firm Roni Lynn Deutch, A Professional Tax Corporation have been helping taxpayers across the nation find IRS tax relief for over seventeen years. The firm has experienced IRS tax attorney who will fight the IRS on your behalf.

Wedding Band Sets – Tips In Buying Wedding Band Sets

Tuesday, January 26th, 2010

Marriage band sets not only designate a pair’s lasting love but also their character and commitment, as well as their fashion style. Wedding band sets are worn to point out a marital dedication to fidelity.
A marriage band set is a pair of metal rings to be worn by a married couple. Wedding band sets are the symbol of marriage, which are worn to show a marital dedication to fidelity. Wearing of such ring came from Europe and the custom had spread widely around the world.
Most people wear their marriage bands on the 3rd finger of the left hand due to a Roman belief that there had a vein on the left ring finger, called the vein amoris, that linked directly to the heart. People believe that by wearing rings on the left ring finger, a married couple symbologically declares their perpetual love for each other. However , some wear their rings on the right ring finger.

It is vital that you find the ideal wedding bands for you and your future partner as you’ll be wearing them for the remainder of your life.
1. Get the wedding band set ahead of time.

Make certain that the wedding band set is available on the time of the marriage. Folk are most likely to have their marriage bands custom made, which takes weeks for jewelers to make. So, it’s miles better to order ahead of time.
Some jewelers give their customer loaner rings in case the marriage bands are still not finished on the marriage day. Loaner rings are plain rings, which will be used for the marriage rite. The loaner rings will be exchanged later for the custom made rings.
However , there isn’t any need for that now because, unlike before, there are online jewelry stores today that can provide the requirement for unique rings that are readily available. Marriage band sets should reflect the wearer’s character and way of life.

Ensure the rings fit.
There are ring sizing devices, but most folks have an inclination to order the ring too huge. It is crucial to use the right ring sizing devices. For wider ring, use the wide sizer, while for narrower ring, the narrow sizer is suitable.
There are contributing factors that can have an effect on the size of the finger such as weight reduction. Weather can also affect it. The finger size is smaller when the weather is cold. Know the metals, finishes and strategies of make.

The metals and technique of production will tell you how sturdy and powerful the rings are. Make sure that you and your other half aren’t allergic to the metal and finish used on your marriage band set. Also, find the wedding band set with a finish that does not easily wear off or show blemishes.

5.

A written guaranty not only guarantees against loss, burglary or breakage, it also guarantees the standard of the wedding band sets you bought.
Marriage band sets should match the engagement rings.
Your wedding band set should complement your engagement ring, not overpower it. A really complicated wedding band tends to do this. So be sure that both rings match so that it will look great on the finger. Ladies’s marriage bands don’t necessarily have to match men’s wedding bands. What’s more important is that the marriage bands match the wearer’s character and way of life.
Wedding-bandsets.com carries a wide range of unique wedding band sets where you will certainly find the perfect wedding rings. All our rings are extraordinarily affordable. You can also check out our wedding band sets on eBay and Amazon for more exciting prices and rebates.