Author: Admin

By Simon Volkov

Unclaimed inheritance from wills refers to property and cash which has been bequeathed to heirs from a person who has died. Each year billions of dollars in inheritance property goes unclaimed. The most common reasons heirs are not notified of inheritance assets stems from name and address changes.

The most common source of unclaimed inheritance from wills is life insurance proceeds. Estate executors contact life insurance companies to claim beneficiary benefits. Funeral homes provide death certificates to life insurance providers and benefits are paid to designated beneficiaries. If heirs or estate administrators are unaware the policy exists, life insurance providers have no way of knowing the policyholder has died.

Unless decedents have placed inheritance property inside a trust, their estate must undergo the probate process. Probate is required in all 50 states and is necessary to validate decedents’ last will, settle outstanding debts, and transfer inheritance assets to heirs. If decedents die without executing a will, a judge distributes inheritance property according to probate law.

During probate, the estate executor must attempt to locate missing heirs. This is usually addressed by placing Classified ads in local papers. If heirs cannot be found inheritance property is held by the state to give beneficiaries the opportunity to present entitlement claims.

Unclaimed inheritance from wills must be held for a specific timeframe before property is considered legally abandoned. Dormancy periods are established by each state and typically range between one and five years. Dormancy periods may vary depending on the type of inheritance property involved.

After dormancy periods expire, unclaimed inheritance from wills is transferred to government property trust accounts. This is referred to as ‘escheat.’ In 2009, more than $20 billion in unclaimed inheritance property was transferred to state escheat. Of that amount, less than $900 million was claimed by rightful heirs. The balance of escheat property remains in state trust accounts across the nation.

Some states hold escheat property indefinitely, while others place a specific timeframe for beneficiary claims. In the states of Indiana and Idaho, if property goes unclaimed beyond the escheat period it becomes property of the state and heirs can no longer lay claim to it. Therefore, it is important to check unclaimed money databases on a regular basis.

Most states have unclaimed money databases that can be searched at no-cost. In most states, unclaimed inheritance property is held through the Department of Revenue. To locate the DOR in your state, type in “department of revnue+your state” at your favorite search engine. Or, type in “unclaimed money+your state.”

There are several companies that charge a fee to help beneficiaries locate unclaimed money and inheritance property. These companies charge a finder’s fee which generally hovers between 30- and 40-percent of the total value of found property. For instance, if a company found $5,000 in unclaimed money their fee would range between $1500 and $2000.

One trusted source for locating unclaimed inheritance from will is FinalArrangementsNetwork.com. This website provides unclaimed property records for all 50 states and does not charge a fee for searching databases.

It never hurts to search online databases for unclaimed money. In addition to locating inheritance money, individuals can determine if they have money owed to them from closed checking or savings accounts, utility deposits, or life insurance policies.

About the Author: California real estate investor, Simon Volkov provides a personal finance article library covering a wide range of topics. Visitors can learn how to locate unclaimed inheritance from wills, avoid probate, establish estate planning strategies, and protect inheritance assets. Learn more at SimonVolkov.com.

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How To Select Suitable Bike Carriers For Your Vehicle

by

Tony Bulic

Those who might have seen a advert or bought a bike carrier after seeing an online image will understandably be frustrated when they find that their hard-earned money was spent on something that turned out to be less than useful. So, here’s a guide on how to select suitable bike carriers for your vehicle. Read on.

We’ve researched and tested several dozens of bike racks all different brands and models. These included locally manufactured as well as imported (Chinese brands too). By research, we mean talking to our customers who have previously purchased bike carriers either from us or elsewhere. By testing we mean we’ve actually fitted the bike carrier onto our test 4×4 vehicle, loaded all types of bikes onto it including those with carbon fibre; and have driven the vehicle in city and on rough terrain.

Our conclusion: While there is no number one bike carrier, there certainly are contenders for the top spot. But individually, the suitable bike carrier for your vehicle is going to depend on your budget, the vehicle you are going to install it on, the type of bikes you intend to carry and lastly, personal priorities such as design and colour.

That said, we recommend the Rhino Rack 4 Bike Carrier Towball Mount (RBC008) with Rhino Rack Bike Bar Adapter (RBCA021). The Rhino towball mount attaches to the rear of your vehicle and can carry up to 4 bikes. Once attached, for each bike you wish to carry, you need a Rhino Rack Bike Bar Adapter (costs under $40) and can carry your bikes securely and safely. The total cost is under $300.

We and our customer found the Rhino Rack 4 Bike Carrier Towball Mount and the Rhino Rack Bike Bar Adapter to have the best overall value, and our customers agree they are a good choice for cyclists who want to easily transport their bikes on almost any car and are not particularly taken in by a lot of fancy advertisement of price options without the practicality or usefulness to match.

After testing the latest rooftop bike carriers, we recommend the Rola Roof Rack with Bicycle Carrier WB200 (8052003) as the best for outdoor enthusiast who prefer to hoist their bikes on the top of the vehicle and transport them that way.

If you own a station wagon or a hatch back car, the bike carrier that got top marks was the Rhino Rack Nexus Clip on 3 Bike Carrier (RBC049). It does not require a tow ball or hitch and easily attaches to the rear of your car. Once attached, you need the Rhino Rack Bike Bar Adapter (RBCA021) for each bike you need to transport. The Rhino Rack Nexus Clip on 3 Bike Carrier got top marks because it was easy to fix, sturdy enough to carry all three bikes securely and safely with no rattle.

If you have any questions or would like custom solutions or suggestions for your vehicle and Hayman Reese Medium Duty Towbars requirement, please visit us at http://vehicle-accessories.com.au

We are a specialty website selling all types of Vehicle Accessories from all brands. Vehicle Accessories is the leading discount store for all your roof rack, tow bar, 4WD equipment, caravan and RV, tradesman ute and van accessory needs. With some of the worlds best brands and products available.

Article Source:

eArticlesOnline.com}

By Adam Peters

Building your own sunroom can save you quite a bit of money. There are some issues that you need to consider before purchasing your kit however.

Do it yourself sunroom kits are made offered by many different companies. Four seasons sunrooms are one sunroom that you can choose to build on your own. This will save you the labor cost of building your sunroom, which can often cut your cost by half. Do it yourself sunroom kits are packaged to help reduce your cost. They come in a variety of different designs and styles to allow you to find the right one for you. To get a quote for the four seasons sunroom kit that you want, you will have to have measurements for your particular sunroom, the materials that you want to use, and the windows that you want to use. What type of window do you want to choose? Will they open and close or have a special glazing? All of these choices need to be determined before you can get a true quote from the sunroom company. Most sunroom companies can walk you through the design process to help you determine the elements that you need for your sunroom. They may even have a website that can offer you an online design program to help you determine what features you need and want. The kit that you customize to your specifications will be shipped directly to your home, along with easy to follow directions.

Possible Problems With Do It Yourself Sunroom Kits

Some common problems may occur when you are building a four seasons sunroom. The first problem may come in when the person that plans to build the sunroom is not quite up to the challenge of building a sunroom. It will take quite a bit of time and effort to build one of these four seasons sunrooms. If you are not positive that you can handle this challenge, then you may want to rethink building the sunroom yourself. You will not have a warranty on a sunroom that you build yourself, so you want to keep this fact in mind as well. Most of the time, the materials themselves are covered, but if you do not install them correctly and they malfunction, then it will most likely not be covered under the warranty. Check with your homeowner’s policy before you choose to build your own four seasons sunroom, because you may also not be covered if any accidents or other damage occurs to yourself your to someone else. This could end up causing you quite a bit of money in this instance.

About the Author: Adam Peters loves writing for http://www.allsunrooms.com . You can find more information and resources on four seasons sunrooms at his website.

Source: isnare.com

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