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☆ 9 ways rich real estate owners save big on taxes from putting mansions in trusts to donating rental property income
▼ + stars: | 2024-04-25 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +9 min

The richest 0.1% of Americans own $1.8 trillion in real estate, according to the Federal Reserve. Currently, individuals and married couples can gift or bequeath $13.61 million and $27.22 million, respectively, before a 40% federal estate tax kicks in. Here are nine little-known techniques that wealthy real estate owners use to pay less to Uncle Sam:Qualified personal residence trusts, better known as "QPRTs," effectively freeze the value of a real estate property for tax purposes. With an FLP, an individual — often a parent or two parents — pools their business assets, commonly real estate or stocks. The heirs don't own the trust assets, but rather have lifetime rights to the trust's income and real estate.

Persons: Uncle Sam, Trump, Sam Walton, Wrigley, Jeff Bezos, Rich, Ron Wyden, PPLI, Jackie O, I've, Edward Renn, remarries Organizations: Federal, Business, Walmart, Biden, Blackstone, Lombard, Taxpayers, IRS Locations: Trump, Florida, Wyoming, Plenty

☆ I paid just $135,000 for my house when homes in the area are going for twice that. Here's how.
▼ + stars: | 2024-03-31 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +8 min

The couple paid less than usual for the area by going through a community land trust, or CLT. Community land trusts allow low-income homebuyers to purchase homes at a reduced price in exchange for the trust's retaining ownership of the property's land. Community land trusts were an unfamiliar conceptI learned about community land trusts while driving through a neighborhood. It's a community housing organization that offers homebuyer education and also sells affordable homes through a community land trust program. Our lives are much betterWhen buying a land trust home, not only do you have to qualify for the land trust program, but you also have to qualify for a mortgage at the bank.

Persons: Melisa Gomez, Romo, —, It's, Gomez, we're Organizations: Service, Romo, Land Trust Locations: Duluth , Minnesota, Minnesotans, Duluth, Fayetteville , Arkansas, . Duluth, El Salvador, Mexican

☆ Rich parents want to give to charity and leave more money to their kids. Here's how billionaire families do it.
▼ + stars: | 2024-01-29 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +8 min

Read previewWhen the rich give to charity, they find a way to get the most bang for their buck. If the trust assets are invested and achieve an annual rate of return of 9% a year, the CLT's remainder will be $2.1 million. Advertisement"It's a fantastic low interest rate play," said Renn. "The problem now is rates have really risen and it's to the point where some investments clearly can outperform a 4% or 5% interest rate, but others might struggle." In this interest rate environment, charitable remainder trusts (CRTs) have better odds.

Persons: —, Jacqueline Kennedy Onassis, Walton, Lance Morgan, Ed Renn, I've, Renn, Dan Griffith, Griffith, CLTs, Onassis, CLATs, Alice, Jim Walton, Rick T, Jennifer Galvagna, Michael Prinzo, they're Organizations: Service, Tax, Business, Bloomberg, Huntington Private Bank, Walmart, Bank of America Private Bank Locations: Withersworldwide, CLTs, Fayetteville , Arkansas, Israel, Palestine

☆ Wary flyers are paying extra to avoid Boeing's 737 Max planes: reports
▼ + stars: | 2024-01-29 | by ( Tom Porter | ) www.businessinsider.com time to read: +3 min

Wary passengers appear to be changing their bookings to avoid Boeing's 737 Max planes. Kayak said use of its 737 Max search filter increased threefold in the days after the incident. AdvertisementAnxious flyers appear to be actively avoiding boarding Boeing's 737 Max planes, even if that means paying extra for a different fight. It's not the first time Boeing's 737 Max fleet has had issues. In 2019, two Boeing 737 Max planes crashed , killing nearly 350 people.

Persons: —, TikTok influencer @culturework, SFGate, Culturework, Jay Franzone, Boeing Max, Max, It's Organizations: Alaska, Service, Boeing, Alaska Airlines, Washington Post, Federal Aviation Administration, Max, Kayak, United Airlines

☆ How the superrich, like Walmart's Waltons, get richer by using trusts to give to charity and save on tax
▼ + stars: | 2024-01-23 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +7 min

If the calculations predict that the trust's remainder interest is zero, the beneficiaries are exempt from estate tax even if the assets actually appreciate by a greater amount. If the trust assets are invested and achieve an annual rate of return of 9% a year, the CLT's remainder will be $2.1 million. Advertisement"It's a fantastic low interest rate play," said Renn. "The problem now is rates have really risen and it's to the point where some investments clearly can outperform a 4% or 5% interest rate, but others might struggle." In this interest rate environment, charitable remainder trusts (CRTs) have better odds.

Persons: —, Jacqueline Kennedy Onassis, Walton, Lance Morgan, Ed Renn, I've, Renn, Dan Griffith, Griffith, CLTs, Onassis, Jennifer Galvagna, Michael Prinzo, they're Organizations: Service, Tax, Business, Bloomberg, Huntington Private Bank, Bank of America Private Bank Locations: Withersworldwide, CLTs, Israel, Palestine

☆ Florida Takes the Classic Learning Test
▼ + stars: | 2023-09-25 | by ( The Editorial Board | ) www.wsj.com time to read: 1 min

Michigan Tech has come out on top and Harvard at the bottom in the largest-ever survey looking into the state of free speech on America's college campuses. Most elite colleges, including Penn and Yale, trail larger state schools with more working-class students. Images: Shutterstock/FIRE Composite: Mark KellyFlorida’s state university system will now accept the Classic Learning Test in college admissions, after the board of governors voted this month to approve the CLT as an alternative to the national testing duopoly of the SAT and ACT. Whether the classic test will catch on is anybody’s guess, but credit to its creators, and Florida, for giving it the college try.

Persons: Mark Kelly Organizations: Michigan Tech, Harvard, Penn, ACT Locations: Yale, Florida

☆ Florida state colleges may allow entrance exam favored by many conservatives
▼ + stars: | 2023-09-08 | by ( Sharon Bernstein | ) www.reuters.com time to read: +4 min

Students stage a walk out from Hillsborough High School to protest after Florida education officials voted to ban classroom instruction on gender identity and sexual orientation in all public school grades. The Board of Governors of the 12-campus State University System of Florida will consider the adoption of the Classic Learning Test (CLT) on Friday. The test's adoption would mark the third time that Florida Governor Ron DeSantis has taken on the non-profit College Board, which administers the SAT, or Scholastic Aptitude Test. The College Board has pushed back against the new test, criticizing as flawed a study meant to compare students' scores on the CLT with scores on the SAT. Reporting by Sharon Bernstein in Sacramento, California; editing by Grant McCoolOur Standards: The Thomson Reuters Trust Principles.

Persons: Octavio Jones, Chancellor Ray Rodrigues, Ron DeSantis, DeSantis, Priscilla Rodriguez, Jeremy Tate, Tate, Thomas Aquinas, Dante Alighieri, Frederick Douglass, Flannery O'Connor, Sharon Bernstein, Grant McCool Organizations: Hillsborough High School, REUTERS, Governors, State University System, ACT, Florida, Board, Republican, College, American Studies, The, College Board, Thomson Locations: Florida, Tampa , Florida, U.S, Southern U.S, Sacramento , California

☆ Florida Expected to Approve Classical Exam as a Competitor to the SAT
▼ + stars: | 2023-09-06 | by ( Dana Goldstein | More About Dana Goldstein | ) www.nytimes.com time to read: +1 min

The Classic Learning Test is the college admissions exam that most students have never heard of. An alternative to the SAT and ACT for only a small number of mostly religious colleges, the test is known for its emphasis on the Western canon, with a big dose of Christian thought. But on Friday, Florida’s public university system, which includes the University of Florida and Florida State University, is expected to become the first state system to approve the Classic Learning Test, or CLT, for use in admissions. “We are always seeking ways to improve,” said Ray Rodrigues, the chancellor of the State University System of Florida, noting that the system, which serves a quarter million undergraduates, was the largest in the country to still require an entrance exam. Ron DeSantis to shake up the education establishment, especially the College Board, the nonprofit behemoth that runs the SAT program.

Persons: ”, Ray Rodrigues, Ron DeSantis Organizations: ACT, University of Florida, Florida State University, State University System of, Gov, College Board Locations: State University System of Florida

☆ A DeSantis-appointed board made this college ground zero for his education agenda. In less than 6 months, the college eliminated its diversity board and will now accept a Christian-focused SAT-alterna
▼ + stars: | 2023-05-22 | by ( Katherine Tangalakis-Lippert | ) www.businessinsider.com time to read: +3 min

In January, DeSantis made new appointments to the New College of Florida's board of trustees. His target: New College of Florida, a liberal arts school with less than 700 students, outside of Sarasota, Florida. In January, DeSantis appointed six conservative education leaders to the school's board of 13 total trustees. New College of Florida is the first public school in Florida to accept the CLT as an alternative to other standardized tests. Representatives for Governor DeSantis and New College of Florida did not immediately respond to Insider's requests for comment.

Stephanie Joyce and Isaac Jones , Pat McCusker , Sonia Herrero andRepublican-led legislatures have recently made it clear what they don’t want taught in public school classrooms: sexuality, gender identity, structural racism. But when it comes to what they do want, one approach frequently arises: classical education. The central tenet of classical education is that students should focus on the Western canon, usually starting with the ancient Greeks. In 2015, he founded a company that developed the Classic Learning Test, or CLT, as an alternative to the College Board’s SAT. (A full transcript of the episode will be available midday on the Times website.)

☆ The cheapest and most expensive U.S. airports to fly out of—JFK, LAX didn't make either list
▼ + stars: | 2023-03-03 | by ( Celia Fernandez | ) www.cnbc.com time to read: +2 min

CivMetrics ranked the cheapest and most expensive airports in the U.S. based on average flight costs. Among the busiest airports, Ted Stevens Anchorage International in Alaska was the most expensive, with an average flight price of $540. On the other end, St. Pete Clearwater International in Florida, where flight costs average around $147, ranked as the cheapest airport. Washington Dulles International Airport in Dulles, Virginia, came in third place. The Ted Stevens International Airport is a critical supply chain hub.

☆ Florida state officials are weighing 'classical and Christian' alternative to the SAT: report
▼ + stars: | 2023-02-18 | by ( John L. Dorman | ) www.businessinsider.com time to read: +4 min

Florida officials have been holding talks to use the CLT as an alternative to the SAT, per the Miami Herald. Tate told the newspaper that the SAT had become "increasingly ideological" partly because it had "censored the entire Christian-Catholic intellectual tradition." Florida Department of Education Senior Chancellor Henry Mack on Thursday expressed interest in using the Classic Learning Test. "As you know the State University System is the largest university system in the country that still requires an entrance exam as part of our admissions process. Tate told the Herald that conservatives may prefer the CLT, but he didn't want the assessment to become ideological.

But, across the country, affordable housing is becoming increasingly rare to find. That is until they discovered a Civil Rights era approach that helps promote home ownership, particularly among minority groups, who are disproportionately impacted by the affordable housing crisis. This year they joined the Beverly-Vermont CLT, one of at least five in Los Angeles and more than 200 nationwide. While CLTs are a solution, Ventura admits there are — and should be — other affordable housing options to adequately address the crisis. However, efforts to transform them into affordable housing in some neighborhoods have proven controversial among existing homeowners.

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Tinerii din Chișinău au lansat campania de responsabilizare în contextul alegerilor parlamentare anticipate: „Ai VOT! Ai VIITOR!”Consiliul Local al Tinerilor din Botanica a lansat campania de responsabilizare a tinerilor în contextul Alegerilor Parlamentare Anticipate 2021 „Ai VOT! În cadrul campaniei, s-a dat start rubricii #AșteptărileTinerilorDeLaAlegerileParlamentare2021, care presupune expunerea tinerilor în privința așteptărilor acestora de la alegerile parlamentare anticipate din 11 iulie 2021. Fiindcă vocea tinerilor contează, CLT Botanica invită toți tinerii care au cel puțin 18 ani să își expună așteptările acestora de la Alegerile Parlamentare Anticipate 2021, fără a face trimitere la vreo figură politică. Pentru mai multe detalii despre următoarele evenimente și oportunități pentru TINEri, urmăriți pagina Cosiliului Local al Tinerilor din Botanica.

Organizations: Tinerilor Locations: Chișinău, Moldova

☆ Consiliul Local de Tineret din Râșcani te invită să faci parte din echipa lor. Care sunt condițiile de participare
▼ + stars: | 2021-05-18 | by ( Onixmedia Srl | ) diez.md time to read: +1 min

Consiliul Local de Tineret din Râșcani te invită să faci parte din echipa lor. Care sunt condițiile de participareGrupul de inițiativă pentru crearea Consiliului Local de Tineret din Râșcani împreună cu Consiliul Municipal de Tineret din Chișinău lansează un apel public pentru tinerii din sectorul Râșcani în vederea implicării în grupul de inițiativă pentru formarea unui Consiliu Local de Tineret în acest sector al Capitalei. Consiliul Local este o structură de reprezentare a tinerilor din comunitate ce are ca scop implicarea tinerilor în procesele decizionale. De ce tu să devii parte a CLT Râșcani? Tinerii interesați de a face parte din grupul de inițiativă pentru Constituirea Consiliului Local de Tineret din Râșcani pot transmite CV-ul pe adresa [email protected].

Organizations: Municipal, Tineret, Consiliul, Publice Locations: Râșcani, Chișinău, Capitalei

☆ Consiliul Local de Tineret Buiucani deschide poziții pentru noi consilieri. Care sunt condițiile de participare
▼ + stars: | 2021-05-17 | by ( Onixmedia Srl | ) diez.md time to read: +1 min

Consiliul Local de Tineret Buiucani deschide poziții pentru noi consilieri. Care sunt condițiile de participareConsiliul Local de Tineret din Buiucani (CLT Buiucani) este o formă de reprezentare a tinerilor din sectorul Buiucani în raport cu autoritatea publică locală, având scopul de a implica tinerii în procesele decizionale. Dacă vrei să devii consilier(ă) în această echipă, atunci te anunțăm că CLT Buiucani deschide acum poziții noi pentru funcția de consilier(ă). În această echipă vei avea posibilitatea:# să te dezvolți multilateral;# să cunoști oameni noi, care la fel își doresc o schimbare;# să fii parte dintr-o rețea a consiliilor locale;# să ai parte de traininguri, cursuri, conferințe etc. (pe anumite domenii care te interesează);# să primești carnet de voluntar;# să colaborezi cu Autoritatea Publică Locală (Pretura);Criterii de participare:# vârsta cuprinsă între 14-35 de ani;# ești o persoană creativă, ambițioasă, motivată și ai dorința de a face o schimbare în societate;# dorești să activezi într-o echipă prietenoasă .

Locations: Buiucani, ambițioasă

☆ Consiliul Local al Tinerilor din Botanica recrutează voluntari. Care sunt condițiile de participare
▼ + stars: | 2021-05-07 | by ( Onixmedia Srl | ) diez.md time to read: +2 min

Consiliul Local al Tinerilor din Botanica recrutează voluntari. Care sunt condițiile de participareConsiliul Local al Tinerilor din Botanica (CLT Botanica) este o formă de reprezentare a tinerilor din sectorul Botanica în raport cu autoritatea publică locală, având scopul de a implica tinerii în procesele decizionale. Dacă vrei să faci parte din această echipă, atunci te anunțăm că CLT Botanica realizează acum recrutările de voluntari. CLT Botanica desfășoară proiecte cu și pentru tineri, axându-se pe mai multe domenii, precum: educațional, socio-cultural, activism și implicare civică, etc. Practicând voluntariatul în cadrul CLT Botanica, ai parte de un șir de oportunități.

Organizations: Tinerilor, Externe

☆ Participă la un eveniment organizat de Consiliul Local de Tineret și află cum te poți implica în procesul decizional al CLT
▼ + stars: | 2021-04-20 | by ( Onixmedia Srl | ) diez.md time to read: 1 min

Participă la un eveniment organizat de Consiliul Local de Tineret și află cum te poți implica în procesul decizional al CLTConsiliul Local de Tineret Centru împreună cu Pretura sectorului Centru organizează joi 22 aprilie, la ora 14.00 o sesiune de informare pe subiectul implicării tinerilor în procesul decizional prin intermediul Consiliului Local de Tineret Centru. În cadrul sesiunii vei avea posibilitatea să afli mai multe despre:# ce este un Consiliu Local de Tineret;# are e misiunea acestuia;# etapele de constituire și modul de funcționare;# ce presupune voluntariatul într-un Consiliu Local de Tineret;Evenimentul va avea loc joi, 22 aprilie la ora 14.00 pe platforma Google Meet. Mai multe detalii despre eveniment găsiți AICI! Persoanele înregistrate vor primi pe email linkul de conectare la eveniment.

Organizations: Evenimentul, Google

☆ Dorești ca vocea ta să fie auzită? Devin-o Consilier Local de Tineret în cadrul comunei Bubuieci
▼ + stars: | 2021-04-14 | by ( Onixmedia Srl | ) diez.md time to read: +1 min

Dorești ca vocea ta să fie auzită? Devin-o Consilier Local de Tineret în cadrul comunei BubuieciDorești să te implici în dezvoltarea comunității în care trăiești? Dorești ca vocea ta și a tinerilor din comunitate să fie auzită? Atunci Consiliul local de Tineret Bubuieci te invită să devii Consilier Local de Tineret în cadrul comunei Bubuieci. Criterii de participare:# vârsta cuprinsă între 14-35 ani;# ești din comuna Bubuieci;# ești o persoană creativă, ambițioasă, motivată și ai dorința de a face o schimbare în societate;# dorești să activezi într-o echipă prietenoasă.

There are now 15 total Centurion Lounges lounges around the world, with a few new additions on the horizon. Amex Centurion Lounge locationsAmerican Express Centurion Lounges can cover you in some of the largest international airports in the world, though the Centurion Lounge footprint itself is mostly focused in the United States. These are the full-fledged current Centurion Lounges and announced future locations, not including the international Amex lounges that are in the process of being rebranded as Centurion Lounges. Hong Kong (HKG)The Amex Centurion Lounge in Hong Kong has a "lounge within a lounge" for Centurion card members. It’s also currently the only Centurion Lounge to feature a “lounge within a lounge” exclusively for Amex Centurion card members.

Persons: you’ll, cardmembers, Charlotte Douglas, American’s, Charlotte Centurion, James Beard, Dean, Lachlan Mackinnon, Patterson, It’s, It's, Kim Canteenwalla, Emily McNutt, Assaf Granit, Amex, Julian Kheel, Tom Bradley, Anthony Giglio, L.A, Jim Meehan, New York John F, Kennedy, Natasha Hatendi, it’s, You’ll, McNally Jackson, there’s, There’s, DC’s Organizations: CNN, American Express, American, New, London Heathrow, Centurion, Delta SkyMiles ®, Delta SkyMiles, Express, Delta, Delta Reserve, DC, Charlotte, Charlotte Douglas International, American Airlines, Admirals Clubs, Dallas, Fort Worth, Denver Centurion, Visitors, Hong Kong, Cathay, Amex, Houston . American, Houston, McCarran International Airport, London Heathrow’s, Michelin, LAX, New York, JFK, TSA, JFK . New York, LaGuardia, McNally Jackson Books, LaGuardia ., Philadelphia, SFO, Seattle, Seattle Centurion, DC’s Reagan National, Newark Liberty International Airport, Delta SkyMiles Reserve American Express, Delta SkyMiles Reserve Business Locations: Las Vegas, JFK, Denver, Hong Kong, New York’s LaGuardia, United States, Charlotte, CLT, Dallas, DFW, Houston, Las, Los Angeles, Miami, York, New York, Philadelphia, San Francisco, Seattle, Washington, Atlanta, Newark, Fort Worth, Rocky, Vegas, London, Exhale, South America, New, JFK . New, LaGuardia, New York City, LaGuardia . Philadelphia, Phoenix, PHX, Umbria, Manhattan

☆ (foto) Ce au învățat tinerii din Chișinău la școala de iarnă a CMTC: „Ne-am bucurat să afăm detalii pe care nu le cunoșteam până atunci”
▼ + stars: | 2021-01-06 | by ( Onixmedia Srl | Corespondentă Din Liceu | ) diez.md time to read: +2 min

(foto) Ce au învățat tinerii din Chișinău la școala de iarnă a CMTC: „Ne-am bucurat să afăm detalii pe care nu le cunoșteam până atunci”În perioada 18-20 decembrie, în mun. Chișinău a avut loc prima ediție a Școlii de iarnă inițiată de Consiliul municipal de tineret din Chișinău, în parteneriat cu Centrul municipal de tineret din Chișinău și cu Direcţia generală educaţie, tineret şi sport. „Școala de iarnă CMTC a deschis paranteze despre mai multe aspecte tehnice cu privire la funcționarea unui CLT. Georgeta Velicu, membră CLT Condrița, menţionează că școala a fost o experință utilă pentru echipa din Condrița. Școala de Iarnă a fost desfășurată de către CMTC, respectând toate recomandările și regulile impuse de situația pandemică actuală.

Persons: Roman, Georgeta Velicu, menţionează Sabina, Participanţii Organizations: Iarnă Locations: Chișinău, Condrița, menţionează

☆ Tinerii pot afla cum se fie activi în societate în cadrul campaniei „Un Consiliu de Tineret aproape de fiecare tânăr”
▼ + stars: | 2020-11-18 | by ( Onixmedia Srl | ) diez.md time to read: +1 min

Tinerii pot afla cum se fie activi în societate în cadrul campaniei „Un Consiliu de Tineret aproape de fiecare tânăr”Centrul de Informare și Resurse „Pro Bono”, în parteneriat cu Rețeaua Națională a Consiliilor Locale de Tineret din Moldova și UNFPA Moldova lansează campania „Un Consiliu de Tineret aproape de fiecare tânăr”. Aceasta are drept scop promovarea rolului și activității consiliilor locale de tineret în școli și consolidarea cooperării acestora cu centrele de tineret. CIR PRO BONO în parteneriat cu RNCLTM va organiza o campanie națională online și offline care vizează școlile în ceea ce privește rolul și activitatea Consiliilor Locale de Tineret. „Participarea civică este un element important al dezvoltării cetățenești, al consolidării personale și al dezvoltării profesionale a oricărui tânăr. Campania va include o serie de materiale online și materiale offline care vor evidenția rolul pe care îl au tinerii în crerea și dezvoltarea unui consiliu de tineret.

Persons: Bono, BONO, Igor Ciurea Organizations: Consiliilor, Tineret, Facebook Locations: Moldova

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