Saturday, November 16, 2019

Considering Buying a Property With a Conservation Easement ?

               






         On the surface, buying a large property, a farm, or other large acreage for a potentially reduced price sounds like a great idea. After all, it's more acreage than you have now, or you wouldn't be considering it. But what does it mean, now and in the future, for you, the property and for your own inheritees ?  Should you BUY a property than is already in a permanent conservation easement ?

                   A conservation easement is something you can decide to legally draft paperwork at an attorneys, in order to implement.  The benefit is that you are legally agreeing not to develop the land, now or in the future, and to preserve the land as it is. The benefit is that your land afterward, will be worth much less. Your taxes may be worth much less. You may also obliterate the possibility of your children or other inheritees from paying inheritance tax, by lowering the value of your large acreage. This choice may make it much more possible for your family to keep the farm or acreage intact and within the family. Sometimes, there are other significant tax advantages in addition.

                 If you are considering buying a property that is already within a conservation easement, then make sure that you have the Contract that specifically runs with the piece of land in question, and that you, and your attorney understand it.  Such Contracts are not identical and could prevent you from doing something you wish to do with the land in the future.  For example, some Contracts might allow you to construct barns in places where they already exist, but may not allow you to build additional barns. The Contract might restrict the types of farming you could do, even though you might be allowed to continue to timber when selected stands are mature and ready for it. Do not buy a conservation easement property without understanding the specific contract as it applies to the land you intend to purchase.

               If you are considering placing land you already own within a conservation easement, make sure you use an attorney who is well versed in this type of law. Secondly, think of your access and rights to the land as parcels of sticks. There are some parcels of sticks you wish to keep, and then others you might wish to agree to forego in order to reduce your property value and your taxes.  For example, I might not have any trouble agreeing never to mine uranium on my farm, since I would never do it anyway. I might not feel that way about other mineral rights that could be safer to extract though.

               Some of the negatives might be that a conservation easement is perpetual. It may be able to be amended, but it cannot be terminated.  Future owners or even your inheritees may curse your choice to place the property in a conservation easement because a property that could have been worth millions developed, might simply exist to preserve a habitat for animals, and to preserve wetlands.

            Not all properties qualify for such a thing. A sharp tax accountant and an attorney skilled in drafting conservation easements is a MUST when considering placing your own property in one.

           If you are considering purchasing a property that is already within a conservation easement, then don't let anyone rush you. Have your realtor obtain the recorded copy of the easement for THAT property. If you wish to hunt on your own large acreage, make sure the easement permits that.  Make sure you understand ALL of the restrictions on the property you are buying, because they will not be changing.  Even when the original owner has died, the restrictions will remain in full force.  Don't buy such a property unless you truly agree with the restrictions and the reasons for such.

           Remember also that if you buy a large acreage property or farm with a conservation easement,that even if you bought it reasonably, that your children will never be able to sell it for its true value when you leave it to them. In a sense, it's Deed will always be restricted in terms of its possible uses, by the fact that it is held under a conservation easement.  These are the reasons that I recently declined to purchase a particular large acreage parcel myself.



More information:

https://murraywiseassociates.com/conservation-easements-some-things-to-think-about/

https://www.taxnotes.com/tax-notes-federal/appraisals-and-valuations/conservation-easements-21st-century-abusive-tax-shelter/2018/06/04/282g5?utm_term=&utm_source=adwords&utm_campaign=Dynamic+Search&utm_medium=ppc&hsa_src=g&hsa_acc=3287128132&hsa_ver=3&hsa_mt=b&hsa_tgt=dsa-761510096127&hsa_grp=71740048255&hsa_kw=&hsa_cam=2022302601&hsa_net=adwords&hsa_ad=354560513493&gclid=EAIaIQobChMIoL7HwM3v5QIVibWzCh3dRQc6EAMYASAAEgIFX_D_BwE

 https://www.landtrustalliance.org/news/adverse-possession-land-whose-land


"The Granite Rock" Has Been Released




              I am really pleased to announce the release of my sixth book, and third novel, "The Granite Rock".   This book traces the story of a psychiatrist and his wife, a psychologist, who discover a natural phenomenon which facilitates short term time travel.

              The book has just be released and is available both electronically and in softcover form at:

https://booklocker.com/books/10664.html


            In the weeks which follow, the book will be available on Amazon and at other fine booksellers worldwide, and in a variety of electronic versions.

          You can learn more about "The Granite Rock" at its blog at:

https://graniterocknovel.blogspot.com





Monday, October 28, 2019

An Alternative Treatment for Aneurysms

                

Many aneurysms are very small, but you get the idea here.





           Some years ago, during about a break of about a week in college, one of my friends, developed a severe headache, and before the day was over, had surgery for a bleeding aneurysm, in a community hospital.  As a nursing major, I was flabbergasted that he'd left for the holiday, and almost immediately developed an almost blinding headache while driving, and chosen to go to the ER. From there, a neurosurgeon saw him and off he went for an aneurysm clipping, which is certainly brain surgery. A couple of weeks later, once back in school, he seemed fine, if perhaps a little more outgoing following his near brush with death. He continued to do well afterward.

                      The clipping of an aneurysm, using a metallic clip of some design, is the surgery with which most of us are familiar. An aneurysm is a bubble in the arterial system of the brain, that can either remain small and often undetected for many years. Most aneurysms are in fact detected when a CT or an MRI is done for some other reason entirely.  A bleeding aneurysm can be very dangerous. A bleeding aneurysm carries with it a 40% chance of death and an 80% chance of disability.  In addition to releasing blood in a closed space, a ruptured aneurysm can cause a vasospasm or narrowing of an artery of the brain, and this complication can also be devastating, and this alone may cause death.

                     At one time, the permanent clipping of an aneurysm was the only treatment for it. However, in about 1991, neurosurgeons found that they could treat some aneurysms using a "minimally invasive technique".  In a hospital suite, they found they could insert a lengthy and fairly large catheter into the arteries of the groin and thread them up toward the patient's brain.  Since many aneurysms patient to patient, occur in similar locations, techniques to access them from the inside were mastered.  Neurosurgeons who specialized in this technique found that using fluoroscopy allowed them to track the progress of floating the catheter, and that by depositing very thin platinum wires, either interrupted or continuously, inside the aneurysm itself, they could cause it to clot off, seal and become very unlikely to leak in future.  At first, this allowed a different technique to be used for patients who simply weren't well enough for brain surgery.  The technique was also only used for specially selected or aneurysms, at that time.

                   In the present day, the medical literature still considers the interior embolization of aneurysms to be a slightly less effective modality than clipping the aneurysm from the outside.  However, this may not be true for much longer.  Enough of these types of embolization, coiling or stenting of aneurysms has been done so that data can be studied.  It seems that some neurosurgeons who perform this technique have never had an aneurysm leak or rupture following their platinum wire coiling of it.  In fact, almost all aneurysms may be potentially treated using the minimally invasive method as described under present US medical standards.

                   What can you do to avoid aneurysms ?  The ones that are simply a genetic weakness and error don't give us much of a chance to avoid them. However, the aneurysms that we acquired as adults from untreated or poorly treated hypertension or high blood pressure, could potentially be avoided.

                 A patient who has an embolization may be given general anesthesia. Often though, they are medicated, but are awake and cooperative through the procedure. Please know that even if a patient has an aneurysm embolization that they will still remain in ICU for about a day after the procedure. They will still need follow up.  They should still have a follow up examination every year or more with their neurosurgeon on the timetable he/she recommends.  However, the less invasive procedure should take less time, be safer, cheaper, and should get you or your loved one back to work and functioning again more quickly that brain surgery would.

                  Yes, this is the kind of procedure most survivalists would choose !


 http://brainavm.oci.utoronto.ca/malformations/embo_treat_aneurysm_index.htm







                  

Tuesday, September 10, 2019

Looking at the Eighteenth Anniversary of 9-11

         
Ginger Ormiston


 
    Some years ago, when I was in high school, I was involved in musical groups and in singing, and gigs outside the realm of school. Even in my teens, I spent some time working for New York based record companies. For a time, most everything I did revolved around music. In school, I was in the accelerated classes for everything, including math class, which probably hadn't been the wisest placement for me. Just because I was articulate, didn't mean I was particularly mathematical or even logical at the time. I clearly remember one day when the instructor had spent too much time explaining that day's math to me, that one of the stars of that class, a lovely blonde girl named Ginger, told me that I should spend less time writing music, and more time on my math.  Of course, she was right, but I was fourteen at the time and couldn't envisage ever using the type of math we were being taught. Later that semester, I was eventually dropped to an average level math class, a placement  I sincerely deserved at the time.

           Of course, I moved on. Life went so quickly. Before you knew it, I was in college, then graduating, then in a first and second job. Then, getting married, then having children. Then, I worked in a number of careers, and I have worked hard to explore a number of things which interest me.  Although I have kept in touch with a few people from high school, and a few from college, I haven't spent much time looking back. The present has always been busy enough.  

          There are certain days where most of us remember where we were when they occurred.  I remember 9-11 quite clearly, as do many people. I was assembling documents for a trip to Russia and I had paperwork all over our bedroom, when I saw the first plane hit the first building on television that morning.  My husband called me just after from work in Virginia, just after it happened. The news just got worse and worse that day. I listened to everything on the news. I had grown up forty miles from The World Trade Center, in a rural area where a fair number of people commuted to New York City for their jobs. It was likely that I knew some of the people who'd died.  I prayed for them, and I listened, but I never heard names I thought I recognized. 

          In the days that have passed, we raised our kids, sent them to college, built two farms, lost both sets of our parents, and have both enjoyed and endured the challenges life brings to most of us. Many changes, positive and negative ones have since taken place in our country.

           It has only been in the last few weeks that I realized that a number of classmates from high school have died.  While googling a picture of one of those high school classmates, I saw a perfect picture of Ginger, the young girl whose sage advice regarding her favorite topic,mathematics, I had not heeded until later in my life.

             I looked for additional information, and I found that another former classmate of mine, now a writer, Bonnie Brewer Cavanaugh, had written a lovely article on Ginger.   Known to me as "Ginger O", Ginger was truly a gifted student in mathematics. In high school she was a stellar student and was also in band. She was an exchange student to Puerto Rico, I believe. After high school, she attended Rutgers University and got a B.S. in Electrical Engineering. Afterward, she attained a Master's degree in the same, at Cornell. She had a number of great jobs before marrying her husband Jim Kenworthy. They had a son and a daughter, and settled in a loft they bought in New York City. Jim was still taking one of the kids to school that day while Ginger went to her fairly new job on time. Jim wrote that he saw the first plane hit the building while he was walking to work.  Had he been on time, their children could have lost both of their parents that day.

               When terrorists attacked that day, they took Ginger from her husband Jim, from her son and daughter, from her parents, from her two sisters, and from countless people who's gone to school, worked with her, or knew her from her other activities. She became an exceptional woman, and her life was cut too short.

 
The Kenworthy Family


 

               Tomorrow, when we talk, once again, about 9-11, and grieve it once again, please think of Virginia Ann Ormiston Kenworthy, and pray for her and her family. I read that last year, Ginger's mom died, and so now she is with both of her parents.

               I wish blessings and especially comfort to all who are missing  friends or family as a result of the happenings of 9-11, that day and afterward.
           



     This is Bonnie Brewer Cavanaugh's article on Ginger Ormiston-Kenworthy.      




Wednesday, July 31, 2019

Iosat Updates from the FDA






               Some years ago I posted indications for use on Iosat, in the event of a radiologic emergency. The concern with Iosat is that some people may think that if you have Iosat, that you are protected from radiation, and this is simply not true. Iosat aid you in the protection of your thyroid in the event of a radiologic emergency of some kind. It does not protect anything else at all. It concerns me that some people may think that simply owning the Iosat in some way protects them from needing to evacuate in such emergencies.

               The FDA has released new guidelines for Iosat.   I am including the link here.   The reality is, that if you need to use Iosat, or your family members do, then you need to evacuate as soon as is reasonably possible.

 https://www.fda.gov/drugs/bioterrorism-and-drug-preparedness/frequently-asked-questions-potassium-iodide-ki




Thursday, July 4, 2019

Happy Independence Day to All



  Sending wishes to the readers of our blogs and our books, and their families, for a safe, peaceful, and memorable Independence Day.  Please stay safe and vigilant.