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For sale!
Distress selling
The owner need money
Urgently for relocation
If your interested DM me
Location: 89-16 Jamaica Ave, Woodhaven, NY 11421, USA.
Asking price $165,000
Interest 3%

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For sale
Distress selling
The person need money
Newly renovated
Location: miami, USA. 11 minutes drive from
Civic center .
Two story building
Well furnished with wooden interiors.
Relocate without taking anything inside
Only drive your cars in.
4flats + private lounge the ratten with separate bacony.
Open view and conducive environment.
Asking price : $280,700k
Interest 5.7%
$260,350

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[email protected], [email protected]

PROFILE (BRIEF)

US TRUST FUNDS: INVESTMENT, PORTFOLIO MANAGEMENT, PROPERTIES DEVELOPER , RETIREMENT AND INSURANCE POLICY
Host, ALL AMERICA MUSIC AMBASSADORS AWARD 2015 till date( AAMAA) supported by THE GARDIAN NEWSPAPER, HOUSE OF TALENT, DORGE BY DEQUE , PALM FINANCE, ARURA. SPONSORED BY ROTARY CLUB INTERNATIONAL Q( UPPER DISTRICTS ) MEMBER US PROPERTIES AND Invesment ( US TRUST FUNDS) also deal with human hair, like bones straight, SDD, wigs, weaveon & attachment, I own J-barbuque and grill ( food & beverages) Food feed a nation project, located at ALABAMA CIVIC CENTER by apple junction. Award winner WEST ALABAMA FOOTBALL COMPETITION ( SHELL CUP 1998) CATEGORY ( BEST KEEPER OF THE TOURNAMENT) AND WELL BEHAVED PLAYER OF THE TOURNAMENT.
Participates in( ARCH BISHOPS) CARDINALS FOOTBALL COMPETITION 2009 -2013. AWARD CERTIFICATE OF PARTICIPATION WAS RECIEVED.

ERIKA KULLBERG. DIRECTOR.
US TRUST FUNDS.

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(US TRUST FUNDS)

Erika kulberg (Director)

For sale
Distress selling
The person need money
Newly renovated
Location: Alabama, USA
A story building
Well furnished with wooden interiors.
4flats with separate bacony.
Open view and conducive environment.
Asking price : $245k
Negotiable.
+1 270 681 0209
[email protected]

Distress lease,
Any available care taker
DM
Both home swapping
Alabama USA.

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At Art Bridges, we do things a little differently. We support partners and projects rather than grantees and grants.

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We fund non-profits with a 501c3 status, state universities, state and city entities meeting eligibility requirements with the Internal Revenue Service and government agencies. Please contact us [email protected] if unsure of eligibility.

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Every year, the Social Security Board of Trustees releases a report detailing the current status of the program and its outlook for the future.

The report includes details on everything from the state of Social Security's trust funds to projected COLAs to the program's operating costs and more. Whether you're already receiving benefits or are planning to file soon, it's wise to keep updated on where Social Security currently stands.

The Social Security Administration (SSA) released its 2024 trustees report in mid-May, and here's what it says about the program's future.

Person with a serious expression looking at a tablet.
Image source: Getty Images.
The trust funds are still in trouble, but there's improvement
One of Social Security's most pressing problems is the depletion of its trust funds: the Old-Age and Survivors Insurance (OASI) fund and the Disability Insurance (DI) fund. The OASI is the fund responsible for retirement benefits, but both play an integral role in the program.

Currently, Social Security's costs are exceeding its income. The program is paying out more in benefits than it's receiving from taxes and other income sources, which has led to a deficit. For now, the SSA is able to tap the trust funds to continue paying out benefits in full. Eventually, though, those funds will run out.

According to the latest trustees report, the OASI fund is expected to be depleted by 2033. If that happens, the program's income sources will only be enough to cover around 79% of scheduled benefits. If the SSA dips into the DI fund as well, both trust funds will likely run out by 2035. At that point, there will only be enough cash to cover around 83% of benefits.

The bad news is that benefits could be coming as soon as 2033, or 2035 at the latest. However, these figures are slightly better than last year. According to the 2023 trustees report, the SSA expected both trust funds to be depleted by 2034, with the ability to pay out 80% of future benefits. It's not a major difference, but it is a step in the right direction.

We likely won't see any significant COLAs
The last few years have been record-breaking for the cost-of-living adjustment (COLA), an annual boost in benefits designed to help Social Security keep pace with inflation. The 8.7% COLA in 2023 was the highest in four decades, and the year prior also saw a massive 5.9% raise.

Based on the SSA's latest estimates, though, it's unlikely that we'll see numbers like that again anytime soon. According to the trustees report, the highest COLA we can expect between now and 2034 is around 3% -- but it could be as low as 1.8%.

Year

COLA (Low Estimate)

COLA (Intermediate Estimate)

COLA (High Estimate)

2025

2.5%

2.6%

2.7%

2026

1.8%

2.2%

3%

2027-2034

1.8%

2.4%

3%

Source: Social Security Administration. Table by author.

Because the COLA reflects inflation rates, it's impossible to say for certain where future adjustments may land. We won't even know the true COLA for 2025 until the U.S. Bureau of Labor Statistics releases third-quarter inflation data later this year, so the SSA's estimates are simply an educated guess. That said, they are the most accurate educated guess available right now.

The state of the trust funds may also affect the future COLAs. Higher COLAs mean the SSA has to pay out more in benefits -- and pull more money from the trust funds. The SSA could be reluctant to raise COLAs unless absolutely necessary, then, to help protect the trust funds and avoid widespread benefit cuts.

Nobody knows exactly what the future holds for Social Security, especially when it comes to the trust funds. Lawmakers could develop a solution in the next decade to solve the program's cash shortage and avoid cuts. But until then, it's wise to stay informed -- and perhaps start preparing for the possibility of smaller checks in the future.

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Online Bank Account: By US TRUST FUNDS.
An online bank account, also known as an internet banking or digital bank account, is a type of bank account that allows you to manage your finances through an online platform. With the rise of technology and the increasing use of the internet, online bank accounts have become a popular option for many individuals and businesses.

This article will provide you with all the information you need to know about online bank accounts.

What is an Online Bank Account?
An online bank account is a digital version of a traditional bank account. It allows you to make deposits, withdrawals, transfers, and manage your finances online through a computer or mobile device. The account is linked to a traditional bank account, but you have the convenience of accessing it anytime and anywhere through an internet connection. Online bank accounts are typically offered by traditional banks and also by digital or virtual banks.

How Does it Work?
To open an online bank account, you will need to apply through the bank's website or mobile app. You will be required to provide personal information and identification documents, such as your name, address, date of birth, and Social Security number. Once your application is approved, you will receive your account details and can start using your online bank account.

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A trust fund is an estate planning tool that is a legal entity that holds property or assets for a person or organization. Trust funds can hold a variety of assets, such as money, real property, stocks, bonds, a business, or a combination of many different types of properties or assets.

Three parties are required in order to establish a trust fund: the grantor, the beneficiary, and the trustee. Trust funds are managed by the trustee who must act for the benefit of the grantor and beneficiary.

Trust funds can take many forms and can be established under different stipulations. They offer certain tax benefits as well as financial protections and support for those involved.
KEY TAKEAWAYS
A trust fund is designed to hold and manage assets on someone else's behalf, with the help of a neutral third party.
Trust funds include a grantor, beneficiary, and trustee.
The grantor of a trust fund can set terms for the way assets are to be held, gathered, or distributed.
The trustee manages the fund's assets and executes its directives, while the beneficiary receives the assets or other benefits from the fund.
Trust funds can be revocable and irrevocable, and there are several variations that exist for specific purposes.
Trust Fund
Investopedia / Joules Garcia

How Trust Funds Work
Estate planning is a process that involves determining how an individual's assets and other financial affairs will be managed and how any property they have is distributed after they die. This includes any bank accounts, investments, personal property, real estate, life insurance, artwork, and debt. While wills are the most common estate planning tools, trust funds are also popular legal entities. Laws governing trust funds vary by the country of residency and creation.

The following three parties are involved in establishing a trust fund:
1

The grantor, who sets it up and populates it with their assets
The beneficiary(s) or the person (people) for whom the assets are managed
The trustee, who is a neutral third party (an individual, a trust bank, or another professional fiduciary) charged with managing the assets involved
The grantor generally creates an arrangement that, for a variety of reasons, is carried out after they are no longer mentally competent or alive. As the appointed fiduciary, the trustee is responsible for carrying out the interests of the grantor. This usually includes allocating living expenses or even educational expenses, such as private school or college expenses, while they are alive. Or they can pay out a lump sum directly to the beneficiary.

Trust funds provide certain benefits and protections for those who create them and to their beneficiaries. For instance:
2
3
4

Some types can keep assets held away from any creditors in the event they decide to pursue the grantor for unpaid debts.
They avoid the need to go through probate, which is the process of analyzing and distributing assets after someone dies without leaving any instructions behind.
Some trust funds can reduce the amount of estate and inheritance taxes owed after the grantor dies, after which the assets are distributed to the beneficiary(s).
Trusts can be named the beneficiary of an individual retirement account (IRA) but will be subject to accelerated withdrawal requirements and shortcircuit spousal inheritance provisions.
An estate tax is levied on the value of an estate after the grantor dies while inheritance taxes are applied to the total amount a beneficiary inherits from an estate.
Special Considerations
Wealth and family arrangements can grow quite complicated when millions (or even billions) of dollars are at stake for multiple generations of a family or other entity. As such, a trust fund can contain a surprisingly complex array of options and specifications to suit the needs of a grantor.

But contrary to what most people believe, trust funds aren't just for the ultra-rich. In fact, they can be useful for just about anyone regardless of their financial situation. Discuss your needs with a financial professional to find out what kind of fund is well-suited for you and your personal needs.

Revocable Trust Funds vs. Irrevocable Trust Funds
Trust funds fall into two different categories: Revocable and irrevocable trust funds. The following are brief descriptions of the two.

Revocable Trust Fund
A revocable trust fund gives a grantor better control over assets during the grantor’s lifetime. Once assets are placed into it, they can be transferred to any number of designated beneficiaries after the grantor's death. Also called a living trust fund, it can be used to transfer assets to children or grandchildren.

The primary benefit is that the assets avoid probate, which leads to the quick distribution of assets to the listed beneficiaries. Living trust funds are not made public, meaning an estate is distributed with a high level of privacy.

Changes can be made while the grantor is alive and it can also be entirely revoked prior to the grantor's death.
5

Irrevocable Trust Fund
An irrevocable trust fund is very difficult to change or revoke. Because of this arrangement, there can be considerable tax benefits for the grantor to effectively give away control of the assets to the trust fund. Irrevocable trust funds most often avoid probate.
2

Types of Trust Funds
Revocable and irrevocable trust arrangements can be further classified into several types of trust funds. These types often have different rules and stipulations depending on the assets involved and, more importantly, the beneficiary. A tax or a trust attorney may be your best resource for understanding the intricacies of each of these vehicles. Keep in mind that this isn't an exhaustive list.

Asset Protection: This fund protects a person's assets from their creditors' future claims.
Blind: This fund tries to remove any hint of conflict of interest. As such, the trust fund's grantor and beneficiary have no knowledge of the holdings or how they are managed. It does, however, give control to the trustee.
Charitable: A charitable trust fund benefits a particular charity or the general public. This includes a Charitable Remainder Annuity Trust (CRAT) that pays a fixed amount each year. A Charitable Remainder Unitrust passes assets to a specified charity once the fund expires, and gives the donor a charitable deduction as well as a fixed percentage of income to the beneficiary during the life of the trust fund.
6
Generation-Skipping: This one contains tax benefits when the beneficiary is one of the grantor’s grandchildren, or anyone at least 37½ years younger than the grantor.
7
Grantor Retained Annuity: Establishing this type of fund allows the grantor to transfer any appreciation of assets to any beneficiaries to minimize estate taxes.
Individual Retirement Account: Trustees control IRA distributions rather than the beneficiaries.
Land: This allows for the management of property, such as land, a home, or another type of real estate.
Marital: This is funded at one spouse's death and is eligible for the unlimited marital deduction.
Medicaid: Designed to allow individuals to set aside assets as gifts to their beneficiaries, this allows the grantor to qualify for long-term care under Medicaid.
Qualified Personal Residence: An individual can move their personal residence from their estate to this type of fund in order to reduce the amount of gift tax incurred.
Qualified Terminable Interest Property: This one benefits a surviving spouse but allows the grantor to make decisions after the surviving spouse’s passing.
Special Needs: People who receive government benefits are the beneficiaries so as not to disqualify the beneficiary from such government benefits.
Spendthrift: Beneficiaries don't have direct access to the named assets, which means they can't sell, spend, or give away the assets without specific stipulations.
Testamentary: This fund leaves assets to a beneficiary with specific instructions following the grantor’s passing.
What Is a Trust Fund Baby?
A trust fund baby is someone whose parents set up a trust fund in their name. The term is a popular cultural reference that is often used negatively. When people use the expression, there's an implication that beneficiaries are born with silver spoons in their mouths, are overly privileged, and don't have to work to live.

It's true that trust funds can provide beneficiaries with security. But in reality, many so-called trust fund babies don't live luxuriously or in high society.

How Do Trust Funds Work?
Trust funds are legal entities that provide financial, tax, and legal protections for individuals. They require a grantor, who sets it up, one or more beneficiaries, who receive the assets when the grantor dies, and the trustee, who manages it and distributes the assets at a later date.

Trust funds are designed to carry out the wishes of the grantor. This means that the trustee is in charge of managing the assets while they are still alive. After their passing, the trustee can pass on the assets to the beneficiary(s) as per the grantor's instructions, whether that's through a regular income stream or a lump sum payment.

How Do I Start a Trust Fund?
In order to set up a trust fund, you'll need to figure out which one is best suited for you, so make sure you figure out the exact purpose of the fund. Then, decide how you'll fund it. Figure out who you want to appoint as your trustee. This person may be able to help you draft up all the documents and go through the legal process. The final step is to fund the trust fund.

As with any other financial venture, make sure a trust fund is the best choice for you, your beneficiary, and your financial situation. Also, the country you live in will regulate how to set up a trust and the types of trust allowed.

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Related Terms
What Is a Legal Trust? Common Purposes, Types, and Structures
A trust is a fiduciary relationship in which the trustor gives the trustee the right to hold title to property or assets for the beneficiary. more
What Is a Living Trust?
A living trust is a legal arrangement established during an individual's lifetime that contains assets to be distributed after death and that bypasses probate. more
Irrevocable Trusts Explained: How They Work, Types, and Uses
An irrevocable trust cannot be modified, amended, or terminated without the permission of the grantor's named beneficiary or beneficiaries. more
What Is a Grantor? Responsibilities, Role, and Types
A grantor or writer is the seller of call or put options who collects the premiums for which the options are sold. The term can also refer to the creator of a trust. more
Land Trust: What It Is, How It Works, Types, and Examples
A land trust takes ownership or authority over a property at the request of its owner, often for tax and privacy purposes but with possible downsides. more
Revocable Trust Definition and How It Works
A revocable trust is a trust whereby provisions can be altered or canceled dependent on the grantor. more
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Middle-aged man reclining on a white couch holding a tablet. His wife squatting behind the couch is looking over his shoulder at the tablet.
Revocable Trust vs. Irrevocable Trust: What's the Difference?
Irrevocable Trust
Irrevocable Trusts Explained: How They Work, Types, and Uses

How to Set Up a Trust Fund

How Are Trust Fund Earnings Taxed?
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