Brought to you by:
David Donhoff
No Bull Financial, LLC
413 14th Ave W
Kirkland, WA 98033
425-223-4520
David@NoBullFinancial.com
www.nobullfinancial.com
About Our Firm:
We provide a holistic, integrated financial approach focusing on safety and stability. We offer advice and management for the portions of your long-term finance that you want to rely on, and can LEAST afford to lose. This includes retirement financial planning, cash-flow coaching, guaranteed investment contracts, real estate notes, investor and primary mortgages, and insurance services. Our intention is your financial goal achievement, safe and certain.
Featured Video...
Equity for Life 3: The Solution Strategy

QUOTES from the Masters...
On Kindness On Dreaming Big Dreams
"Three things in human life are important. The first is to be kind. The second is to be kind. And the third is to be kind." -- Henry James

"You have it easily in your power to increase the sum total of this world's happiness now. How? By giving a few words of sincere appreciation to someone who is lonely or discouraged. Perhaps you will forget tomorrow the kind words you say today, but the recipient may cherish them over a lifetime." -- Dale Carnegie

"You will regret many things in life but you will never regret being too kind or too fair." -– Brian Tracy

"Hold on to your dreams for they are, in a sense, the stuff of which reality is made.  It is through our dreams that we maintain the possibility of a better, more meaningful life." -- Leo Buscaglia

"Dream big dreams!  Only big dreams have the power to move your mind and spirit." -– Brian Tracy


"To realize a dream, you must have a dream to realize." -– Mark Victor Hansen


  Estate Ideas

The Marital Deduction: 
A Powerful Estate Planning Tool Available to Married Couples

The marital deduction (I.R.C. Sections 2056 and 2523) eliminates both the federal estate and gift tax on transfers of property between a husband and wife, in effect treating them as one economic unit.  The amount of property that can be transferred between them is unlimited, meaning that a spouse can transfer all of his or her property to the other spouse, during lifetime or at death, and completely escape any federal estate or gift tax on this first transfer.  However, property transferred in excess of the unified credit equivalent will ultimately be subject to estate tax in the estate of the surviving spouse.

Through use of the unlimited marital deduction, a married couple's combined assets are untouched by federal estate tax, meaning that the full amount is available for the surviving spouse's support and maintenance after the first spouse's death.  At the surviving spouse's death, however, there is no marital deduction available and the full value of the surviving spouse's remaining estate is exposed to federal estate taxation.


If you'd like more information on how to make best use of the marital deduction,  please contact my office.

MESSAGES from the Masters...
SAND, PEARLS, AND STRENGTH OF CHARACTER by Bob Burg

Besides making life a lot less stressful and a lot more fun, mastering the art of positive persuasion is, in and of itself, one of the best methods for developing our character. Why is that?

Because, prior to using just the right words and phraseology to gently take a person from a negative direction, to another that will benefit us both, we must take first things first. In other words, before we can successfully take a potentially difficult situation (usually in the form of a difficult person) and turn that into a mutually beneficial result, we must first become proficient at dealing with ourselves.

As we all know, nobody can make us angry without our permission, but it's difficult sometimes to not give them permission, isn't it?  The good news is that every time we improve in this area, even just a little bit, we can take pleasure in having greatly improved our strength of character.

In his book, "Guard Your Anger," Rabbi Moshe Goldberger says, "God created oysters with the capacity to transform an irritating piece of sand into a pearl. This serves as a model for us - every trial contains precious jewels which we can find and develop." One of those trials certainly is dealing with a person who is either intentionally or unintentionally being difficult or irritating.

Philosopher/statesman, Edmund Burke, pointed out that "He who wrestles with us strengthens our nerves and sharpens our skills. Our antagonist is our helper." Yes, he or she is, but in order to appreciate that person instead of resenting them, we must continually keep that statement in mind.

And, in his 1909 classic, "Peace, Power and Plenty," Orison Swett Marden, wrote: "Self-Control is the very essence of character. To be able to look a man straight in the eye, calmly and deliberately, without the slightest ruffle of temper under extreme provocation, gives a sense of power which nothing else can give. To feel that you are always, not sometimes, master of yourself, gives a dignity and strength to character, buttresses it, supports it on every side, as nothing else can. This is the culmination of thought mastery."

Remembering any of the above quotes and philosophies at a time when someone does something irritating takes forethought, rehearsal and self-discipline. It is not necessarily an easy task. Then again, it isn't supposed to be. As the grain of sand was described as "irritating" before being turned into the pearl, so is that person irritating before you turn them into friend. Just think; all that time, without even knowing it, he or she was helping you to grow.

Bob Burg
 

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The purpose of this newsletter is to provide information of general interest to our clients, potential clients and other professionals.  The information provided is general in nature and should not be considered complete information on any product or concept described.  For more complete information, please contact my office at the phone number above.

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