Executives

Car insurance customers in Essex have been urged not to give opportunistic thieves the chance to break into their automobiles. Police in the area have therefore issued advice on how drivers could best avoid becoming a victim of vehicle crime. They suggested that motorists ensure they only park in safe and well-lit areas to ensure they do not attract unwanted attention from would-be thieves.

Report about automobile insurance customers reaction

Lorna Watson, the south eastern crime reduction officer, also suggested that using security devices is a good way to deter opportunistic criminals. She explained that it takes just one minute for a car thief to steal property left inside a vehicle. “It takes a lot longer and can be frustrating for the owner to deal with the insurance company, have any damage to the vehicle repaired or to arrange alternative transport,” she explained.

Meanwhile, a customers of car insurance companies in Buxton were recently warned by police that they may need to step up their vehicle security measures following an increase in the number of people attacked by vandals.

Author’s note: They are many motor vehicle insurance companies in Buxton, where the biggest one is Swinton Car Insurance company, which slogan is “Take care of the people you love the most for just a few pounds a month. more info Finding the right car insurance can be hard work particularly when there are so many companies around. That’s why Swinton can provide a refreshing change, we compare car insurance prices for you by searching the UK’s top insurers to bring our customers rock bottom prices.”

Many work hard and meet with success, as they batter through storms, handle market swings and keep consumers satisfied. You achieved all this for yourself and your family. But have you spent one minute and thought about what would happen to your business when you are not there? If you haven’t, then it is high time you gave it a serious thought. So here are some simple business succession and estate tax planning strategies.


According to a market survey, 25 percent of the family business shareholders who are senior citizens have not thought of any estate succession planning other than writing a will. They have not bothered to conduct any research. If you are one of them then wake up, succession planning for business involves more than just deciding whom you intend to give your assets to, after your death.


Basically, succession planning is like a road map for successors, heirs and partners to follow when you are no more or when you are unable to handle the business issues due to disability or old age. This plan can include the business stock distribution, assets and life insurance distribution details. It can also include debt retirement services, buying and selling agreements between heirs and partners, division of responsibility allotted to successors and any other aspects that would be related to the business. The plan can also establish the value of the business.


So where should you start from?


A succession planning strategy must clearly explain your objectives and goals as well as your company’s present financial resources and the current human resources. It should also explain your stand in the company and the details of the stock you hold. You can also mention the person whom you feel can manage the business once you are out of the picture. Calculate if you have enough assets to pay estate tax so as to balance the estate and keep the business and the monetary resources you need to reach your financial goal. Don’t forget to clarify each goal and you should be open to communicate and share your vision with partners, key players, and family.


How to develop a sound succession plan?


. A succession plan should be flexible- Your plan must be easy to amend and modify as business, family and health situations are dynamic.


. Select the right individual to handle the company in your absence- Select a person, whom you find capable to navigate through the minefield. This is necessary if you have more than one qualified successor. Distribution of money and assets among the siblings sometimes can be really discordant.


. Knowledge of federal estate tax- Economic Growth and Tax Relief Recognition Act of 2001 attempted to eliminate or reduce the federal estate tax transfer system, but instead it created a tax system that features repeal, relief and reappearance. From 2004, the gift tax exemption was freezed at $1 million. Thus, a businessman can easily pass on more assets after his death than during his lifetime.


Learn about various exemptions, deductions, exclusions- You can reduce the estate tax by adapting the annual gift tax exclusion in which you can relax the gift tax to the tune of $11,000 per year.

A well-known resident of River Oaks contacted us and asked us if we could harmoniously blend the organic and inorganic components of her landscape into a design that would complement the classical architecture of her house and exterior masonry. We immediately noticed that the symmetry of her three-story house, and the fine linear designs of the yard and surrounding stonework, were also two very key elements used in Italian gardening. We shared this insight with the homeowner, who agreed that such a design would work very well for what she had in mind.

We began by working on the walkway that ran from the sidewalk up to the front of the house. This walkway curved in from the sidewalk between two small stone walls and converged in a series of very small, ascending steps reminiscent of those in a staircase. This gave us an opportunity to establish an immediate sense of formal entryway by framing the front of the walkway with Agapanthus and a number of other perennial and flowering plant species that bloom in seasonal cycles throughout the spring and summer. We framed the flowering plants with boxwoods to create an organic enclosure whose angular symmetry and self-containment speak to essence of an Italian garden.

At the other end of the walkway, where the steps ascended to the porch, the walkway widened symmetrically and intersected on one side with the motor court. This proportional stonework was almost like the design of a planter, and provided us with an additional opportunity for planting a number of colorful plant species. We deliberately used annuals such as snapdragons in order to create an entirely new set of floral patterns that would change colors with the coming of each new spring. As we had done in the front, we then framed the flowers with boxwoods that were planted in rows and intersecting right angles. This served to frame the flowers with an organic enclosure consistent with the balance and angular symmetry of Italian garden design.

The thee-story house itself was a classical element in its own right. It rose up from the landscape to a height nearly equivalent to its width. Its architecture featured both Renaissance and Roman elements that gave it a very old, stately European sensibility. Its windows were shaped like tall arches, and its third floor was ornamented by a balcony that geometrically complimented the entirety of the structure and the roof above it. We added pots and planters to this area to create an outdoor garden on the patio, along with an irrigation system that would minimize the need for constant maintenance. Then, to draw the eye upward to the patio garden, we planted two Italian cypress trees, one on either side of the house, whose height added a sense of continued vertical movement upward. We kept the vegetation in the very front of the house to a minimum. This was done both to maintain the aesthetic of the windows, and also to allow people within the home to better see out of the windows.

To make certain that both vegetation and architectural highlights were clearly visible at night, we installed Façade lights and lit the Italian cypress trees with Mercury vapor lights. We also lit two very tall oak trees growing on either side of the walkway near the sidewalk. This maintained the sense of a grand entryway after sunset. We deliberately took a minimalist approach to lighting the front of the home, using illumination only to accent the Italian garden elements of the landscape, and letting the remainder of the light come through the windows from the interior of the home.

After we completed the front area, we turned our attention to the side of the house. This area was quite unique in that it was a yard that was completely covered by masonry. Its linear proportions and right angles framed the luxurious pool with an exquisitely formal sense of symmetry. The geometry was ideal to create a small Italian garden on the far side of the pool, and required only a few basic elements to add this organic aesthetic. We planted a row of Holly trees on the far side of the pool, and lit them with concealed fixtures. We mounted an Italian cherub in the center of the pool wall, lighting it with special sculpture lights, and balancing its presence as a center piece with handmade Italian pottery placed on either side of the pool wall.

This effectively turned what had been empty space on the far side of the pool into a mini-garden area that functioned as a decorative, living wall of green that enclosed the entire patio and provided complete seclusion and privacy to the homeowner and her guests.

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