রবিবার, ২৭ জানুয়ারি, ২০১৩

Get cirrus in the fight against climate change

FEATHERY cirrus clouds are beautiful, but when it comes to climate change, they are the enemy. Found at high-altitude and made of small ice crystals, they trap heat - so more cirrus means a warmer world. Now it seems that, by destroying cirrus, we could reverse all the warming Earth has experienced so far.

In 2009, David Mitchell of the Desert Research Institute in Reno, Nevada, proposed a radical way to stop climate change: get rid of some cirrus. Now Trude Storelvmo of Yale University and colleagues have used a climate model to test the idea.

Storelvmo added powdered bismuth triiodide into the model's troposphere, the layer of the atmosphere in which these clouds form. Ice crystals grew around these particles and expanded, eventually falling out of the sky, reducing cirrus coverage. Without the particles, the ice crystals remained small and stayed up high for longer.

The technique, done on a global scale, created a powerful cooling effect, enough to counteract the 0.8 ?C of warming caused by all the greenhouse gases released by humans (Geophysical Research Letters, DOI: 10.1002/grl.50122).

But too much bismuth triiodide made the ice crystals shrink, so cirrus clouds lasted longer. "If you get the concentrations wrong, you could get the opposite of what you want," says Storelvmo. And, like other schemes for geoengineering, side effects are likely - changes in the jet stream, say.

Different model assumptions give different "safe" amounts of bismuth triiodide, says Tim Lenton of the University of Exeter, UK. "Do we really know the system well enough to be confident of being in the safe zone?" he asks. "You wouldn't want to touch this until you knew."

Mitchell says seeding would take 140 tonnes of bismuth triiodide every year, which by itself would cost $19 million.

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Spam hits five-year low (but it's still two thirds of all email)

17 hrs.

A new report from Kaspersky Lab indicates that the amount of spam in the world continues to decline, although it's nowhere near disappearing. It's also being replaced with other, more substantial threats.

Spam levels dropped throughout 2012, and by the end of the year it was steadily below 70 percent of all email detected. In the heyday of spam, it consistently made up around 85 percent, according to Kaspersky's numbers.

A number of factors have contributed to this. People and email providers have instituted more effective spam filters, for one thing, and a major security hole that allowed people to spoof an email's sender was closed this year.

The reduced effectiveness of spam emails means spammers have to send more to get any hits. Kaspersky calculates that it cost spammers $150 for every million emails sent ? cheap indeed, but the success rate is so low that legal, normal advertising on Google and Facebook actually end up beinga better deal.

Of course, not every spammer is just aiming for cheap advertising. There are plenty?selling illegal services or products, or looking to hijack your computer with malicious attachments or phishing attempts. Since legal advertisement isn't an option, they're doubling down on spam. For that reason, Kaspersky suggests spam reduction in 2013 will be "negligible at best."

The full, detailed report, with many more details about the origins and types of 2012's spam, can be read here.

Devin Coldewey is a contributing writer for NBCNews Digital. His personal website is?coldewey.cc.

Source: http://www.nbcnews.com/technology/technolog/spam-hits-five-year-low-its-still-two-thirds-all-1C8125282

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শনিবার, ২৬ জানুয়ারি, ২০১৩

Cybercrime takedown: Is it game over for Gozi trojan that stole millions?

The three alleged leaders of the Gozi cybercrime gang were indicted in federal court. The Gozi trojan was highly successful, but it may be too hard to operate with the alleged masterminds in jail.

By Mark Clayton,?Staff writer / January 24, 2013

US attorney for Manhattan Preet Bharara holds a news conference on the Gozi virus in New York Wednesday. Federal prosecutors charged three people in as many countries with creating and distributing the computer virus known as 'Gozi virus' that infected more than a million computers around the world, including some operated by the US space agency and others by banks.

Carlo Allegri/Reuters

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Beginning in 2007, those innocuous-sounding words began appearing seemlessly and immediately on the personal computer screens of thousands of online banking victims in the US and worldwide right after they logged in to their accounts.

Many were duped into entering their mother's maiden name, social security numbers, and other personal data into the neat little labeled boxes.

Little did they know that the moment the personal data was entered, a trojan horse program inhabiting their personal computer immediately sent it to a computer server in California ? and from there to a central command-and-control server in the Netherlands. After that, access to the stolen account data was sold to other criminals, who used it to enter the accounts and transfer out cash.

Tens of millions of dollars was stolen this way from online accounts, according to charges filed in a federal court in New York Wednesday against the alleged leading members of the Gozi Gang, cyber bank robber masterminds and creators of the infamous Gozi trojan, one of the world's most notorious and malicious bank-theft software programs.

According to the US attorney for New York?s Southern District, the alleged gang leaders, three Eastern European men in US custody, played critical roles in producing and distributing the Gozi virus. They faced criminal charges ranging from conspiracy to commit bank fraud to access device fraud and computer intrusion, and maximum penalties ranging from 60 to 95 years in prison.

Since 2007, Gozi has infected at least 1 million computers worldwide, including 40,000 in the US.

Documents released in federal court Wednesday shed light on the federal takedown of the gang ? including the three alleged international cybercriminals suspected of creating and distributing the Gozi virus (really a trojan horse program that creates an invisible digital back door) ? as well as the inner workings of the gang.

First, they allege that Nikita Kuzmin, a Russian national, was the mastermind who set out the technical specifications and hired a programmer called only "CC-1" to create the Gozi Trojan in 2005. Mr. Kuzmin was arrested during a visit to the United States in November 2010, later pleading guilty to computer intrusion and fraud charges in May 2011.

Charged yesterday were Deniss Calovskis, a Latvian who goes by the online nickname, ?Miami,? who is alleged to have written some of the computer code that made the Gozi trojan so effective. He was arrested in Latvia in November 2012. He was indicted on several conspiracy charges, including conspiracy to commit aggravated identity theft.

Also charged was Mihai Ionut Paunescu, a Romanian whose alleged hacker handle is "Virus.? Authorities say he operated a so-called ?bulletproof hosting? service that enabled Kuzmin and other cybercriminals to distribute the Gozi trojan, the Zeus trojan, and other infamous malware. He was arrested in Romania in December 2012.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/DbjFG5u9NRs/Cybercrime-takedown-Is-it-game-over-for-Gozi-trojan-that-stole-millions

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Movie Reviews: Parker, Hansel and Gretel: Witch Hunters - Fort ...

Editor's Note: All reviews and information aggregated from?Moviefone and RottenTomatoes.

Want to catch a movie this weekend? Here's Patch's roundup of movies playing at the theaters and times shown here in the Fayetteville area.

Parker

?One sentence plot: Parker (Jason Statham) is a professional thief who lives by a personal code of ethics: Don't steal from people who can't afford it and don't hurt people who don't deserve it.
Moviefone viewer score: 85
Reviews:
"How does Hackford fall so far off the rails with the pedestrian crime thriller Parker, based on the 19th book in the Parker series by the late Donald E. Westlake (no slouch himself, with scripting credits on The Grifters and The Stepfather)? For starters, Westlake didn?t pen this script, and the John J. McLaughlin screenplay is a mess, both highly ludicrous and predictable. McLaughlin?yeah, the same dude who wrote Black Swan and the recent Hitchcock?really treads in the shallow end of the gene pool here." Montreal Gazzette. Full review

"'Parker' plays like the bloodiest promotional video ever made for Palm Beach tourism. Stabbings, explosions and furniture-smashing brawls occur at some of the ritziest (and name-checked) locations within the sun-splashed, pastel-soaked slab of Florida opulence. Kinda gives a whole new meaning to the idea of The Breakers." Star Tribune. Full review

Hansel and Gretel: Witch Hunters

?One sentence plot: After getting a taste for blood as children, Hansel (Renner) and Gretel (Arterton) have become the ultimate vigilantes, hell bent on retribution.
Moviefone viewer score: 91
Reviews:
"High-concept pitch or no, the movie doesn?t really work. They were shooting for sort of a witch-hunting 'Zombieland,' an F-bomb-riddled 'Van Helsing' packed with comical anachronisms ? a Bavarian forest past with witch trials, pump shotguns and primitive Tasers, where bottles of milk have woodcut pictures of 'missing children' on the labels." Norfolk Daily News. Full review

"In the 3D?Witch Hunters, the kids were taken into the woods and left on their own by their father. They stumble into a candy-covered witch house, are taken prisoner and when they figure a way out of their fix - working as a team - they've found their calling. They'll track, shoot, stab, behead and burn witches. Whatever it takes." The Age. Full review

"Even though their skillsets are essentially limited to finding and killing witches, Hansel and Gretel decide to rescue the children themselves. Really, the film should have been called Hansel and Gretel: Occasional Child Recoverers, but that doesn't scan so well. So, who could have abducted the children? A witch?" The Guardian. Full review

Mama

One sentence plot: Guillermo del Toro presents 'Mama', a supernatural thriller that tells the haunting tale of two little girls who disappeared into the woods the day that their parents were killed.
Moviefone viewer score: 84
Reviews:
"What's under the bed? Who's behind that door? What's making those vaguely satanic noises? These and other thought-provoking questions are entertained in Mama, a visually polished but overly repetitive chiller." Variety. Full Review

"It never hits the high notes of Mr. del Toro's own films or successfully weaves between reality and fantasy as it should." New York Observer. Full Review

"Nothing in the movie is quite original, yet Muschietti, expanding his original short, knows how to stage a rip-off with frightening verve." Entertainment Weekly. Full Review

Broken City

One sentence plot: The mayor of New York City hires a disgraced ex-cop to identify his wife's lover, setting into motion a scandalous series of events in this post-noir thriller from director Albert Hughes.
Moviefone viewer score: 91
Reviews:
"'Broken City' is an evocative and over-ambitious title for a so-so political potboiler that wants to be a gritty, expansive epic of moral and urban decay." Variety. Full review.

"Broken City tells a sordid tale of big city corruption that would have made for a fine film noir sixty years ago but feels rather contrived and unbelievable in the setting of contemporary New York... It's never really convincing that the characters would do some of the far-fetched things required of them by the script, resulting in a sense of detachment that is never helpful for a thriller." The Hollywood Reporter. Full review.

?

Gangster Squad

One sentence plot: Ruthless, Brooklyn-born mob king Mickey Cohen (Sean Penn) runs the show in this town, reaping the ill-gotten gains from the drugs, the guns, the prostitutes and?if he has his way?every wire bet placed west of Chicago.
Moviefone viewer score: 90
Moviefone critic score: 43
Reviews:
?The cops play things as dirty as the crooks in Gangster Squad, an impressively pulpy underworld-plunger that embellishes on a 1949 showdown between a dedicated team of LAPD officers and Mob-connected Mickey Cohen (Sean Penn) for control of the city.? Variety. Full Review.

?Made up of synthetics rather than whole cloth, this lurid concoction superficially gets by thanks to a strong cast and jazzy period detail, but its cartoonish contrivances fail to convince and lack any of the depth, feeling or atmosphere of genre stand-bearers like ?L.A. Confidential.?? The Hollywood Reporter. Full Review.

?Despite the unrelenting action and the terrific cast, Gangster Squad comes up more scattered than successful.? Austin Chronicle. Full Review.

Zero Dark Thirty

One sentence plot: The filmmaking duo behind The Hurt Locker (Kathryn Bigelow and Mark Boal) takes on the hunt for?and the killing of?Osama bin Laden in this Annapurna Pictures production that tracks SEAL Team Six, the special-ops team who eventually brought down the terrorist leader.
Moviefone viewer score: 63
Moviefone critic score: 95
Reviews:
?Telling a nearly three-hour story with an ending everyone knows, Bigelow and Boal have managed to craft one of the most intense and intellectually challenging films of the year.? The Guardian. Full Review.

?Like the fictional Clarice Starling in ?The Silence of the Lambs,? Maya is a consummate professional who brilliantly performs her job in an often hostile work environment.? New York Post. Full Review.

?A monumental achievement that documents a coordinated and complicated response to a monumental tragedy.? Philadelphia Enquirer. Full Review.

?

The Hobbit: An Unexpected Journey

One sentence plot: The adventure follows the journey of title character Bilbo Baggins, who is swept into an epic quest to reclaim the lost Dwarf Kingdom of Erebor from the fearsome dragon Smaug.
Moviefone viewer score: 72 percent
Moviefone critic score: 58
Reviews:
?Charming, spectacular, technically audacious; in short, everything you expect from a Peter Jackson movie. A feeling of familiarity does take hold in places, but this is an epically entertaining first course.? Total Film. Full Review.

?A mesmerizing study in excess, Peter Jackson and company's long-awaited prequel to the Lord of the Rings saga is bursting with surplus characters, wall-to-wall special effects, unapologetically drawn-out story tangents and double the frame rate (48 over 24) of the average movie.? Time Out New York. Full Review.

?I'm holding the filmmaker responsible for getting us all back again - to feelings of excitement and delight. Vital as they are, Gollum and Bilbo can only do so much to keep us enchanted. Is Jackson able to sustain the magic in two more installments? I peer into Tolkien's Misty Mountains and embrace the journey.? Entertainment Weekly. Full Review.

Django Unchained

One sentence plot: Set in the South two years before the Civil War, Django Unchained stars Academy Award winner Jamie Foxx as Django, a slave who forms an unlikely partnership with German-born bounty hunter Dr. King Schultz.
Moviefone viewer score: 73
Moviefone critic score: 80
Reviews:
"A sharp shock of a film in an Awards season very full of movies so noble they become immobile. It's wildly unlikely to get much love from the Academy, and that's fine-bluntly, it's too good for them. With its bloody stew of history and hysteria, action taken from movies and atrocities taken from fact, Django isn't just a movie only America could make-it's also a movie only America needs to." Boxoffice Magazine.?Full Review.

"Exactly what you might expect from the fearless, controversial director of "Pulp Fiction" - it's overlong, raunchy, shocking, grim, exaggerated, self-indulgently over-the-top and so politically incorrect it demands a new definition of the term. It is also bold, original, mesmerizing, stylish and one hell of a piece of entertainment." Rex Reed of New York Observer.?Full Review.

"Django Unchained also has the pure, almost meaningless excitement which I found sorely lacking in Tarantino's previous film, Inglourious Basterds, with its misfiring spaghetti-Nazi trope and boring plot. I can only say Django delivers, wholesale, that particular narcotic and delirious pleasure that Tarantino still knows how to confect in the cinema, something to do with the manipulation of surfaces. It's as unwholesome, deplorable and delicious as a forbidden cigarette." Peter Bradshaw of The Guardian.?Full Review.

Les Miserables

One sentence plot: Set against the backdrop of 19th-century France, Les Miserables tells an enthralling story of broken dreams and unrequited love, passion, sacrifice and redemption, in a timeless testament to the survival of the human spirit.
Moviefone viewer score: 81
Moviefone critic score: 63
Reviews:
"Stirring and striking, Hooper's epic musical won't be wanting for awards and plaudits. Danny Cohen's cinematography is stunning and Hathaway's Oscar is guaranteed." Neil Smith of Total Film.?Full Review.

"Russell Crowe's pained vocal stylings (they sound more like barks) as relentless Inspector Javert can be forgiven after hearing Hugh Jackman's old-pro fluidity in the central role of Jean Valjean, hiding a criminal past." Joshua Rothkopf of Time Out New York.?Full Review.

"Fortunately, this sprawling epic is well-anchored. There cannot be a better big-screen showman than Jackman." Elizabeth Weitzman of New York Daily News.?Full Review.

This is 40

One sentence plot: Five years after writer/director Judd Apatow introduced us to Pete and Debbie in 'Knocked Up', Paul Rudd and Leslie Mann reprise their roles as a husband and wife both approaching a milestone meltdown in 'This Is 40', an unfiltered, comedic look inside the life of an American family.
Moviefone viewer score: 53
Moviefone critic score: 58
Reviews:
"This Is 40 isn't always hilarious, but it's ticklishly honest and droll about all the things being a parent can do to a relationship. And why it's still worth it." Owen Gleiberman of Entertainment Weekly.?Full Review.

"Judd Apatow's instincts have rarely been sharper, wiser or more relatable than in This Is 40, an acutely perceptive, emotionally generous laffer about the joys and frustrations of marriage and middle age." Justin Chang of Variety.?Full Review.??

"In short, This Is 40, in tried and true Apatowian style, mixes weighty issues about intimacy and cohabitation with astute and smart-alecky pop culture references, crude bathroom jokes, stoner riffs, boob ogling, and existential angst." Steven Rea of Philadelphia Inquirer.?Full Review.

Jack Reacher

One sentence plot: The Usual Suspects' Christopher McQuarrie brings Lee Child's Jack Reacher character to the big screen with this Paramount Pictures release starring Tom Cruise as the lone-wolf investigator on the hunt for a murderous sniper.
Moviefone viewer score: 65
Moviefone critic score: 49
Reviews:
"In terms of pure pop entertainment value, you'll be hard-pressed to find a more smartly constructed, beautifully shot, pulse-pounding movie this holiday season." Drew Taylor of The Playlist.?Full Review.

"A superior thriller, with Cruise and McQuarrie slotting together like a bullet in a clip. Like Reacher on the firing range, the aim isn't always true ? but the misses are fractional." James Mottram of Total Film.?Full Review.

"Tom Cruise is in fine form as mysterious tough guy Jack Reacher finally reaches the big screen." Todd McCarthy of The Hollywood Reporter.?Full Review

Do you plan on seeing these movies? Have you seen any of them already? Leave a review of the film with a comment below.

Source: http://fortbragg.patch.com/articles/movie-reviews-parker-hansel-and-gretel-witch-hunters-794a6d5e

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Harry Reid & The Repeating Collapse (OliverWillisLikeKryptoniteToStupid)

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শুক্রবার, ২৫ জানুয়ারি, ২০১৩

Conversation Project aims to assure a 'good' death

After her mom died, Goodman and Len Fishman, the CEO of Hebrew SeniorLife, launched ?The Conversation Project? in partnership with the Institute for Healthcare Improvement. It?s an web-based campaign and resource depository designed to smash myths and break barriers that keep people from talking about how they want to die. (Shutterstock)

Lois M. Collins

BOSTON ? When Ellen Goodman?s dad was dying of terminal cancer at age 57, his wife bought him a set of luggage as a birthday gift. Denial, says Goodman, a retired Pulitzer Prize-winning columnist, ran fiercely through her mom?s veins. And when her mom was dying herself decades later, Goodman was flummoxed about what decisions her mother would want her to make about end-of-life care.

?End of life? was one of the few conversations they never had while they still had time and her mom was well enough.

?The last thing my mom would have wanted was to force me into such bewildering, painful uncertainty about her life and death,? Goodman later wrote. ?I realized only after her death how much easier it would have all been if I heard her voice in my ear as these decisions had to be made. If only we had talked about it. And so I never want to leave the people I love that uneasy and bewildered about my own wishes. It?s time for us to talk.?

After her mom died, Goodman and Len Fishman, the CEO of Hebrew SeniorLife, launched ?The Conversation Project? in partnership with the Institute for Healthcare Improvement. It?s an web-based campaign and resource depository designed to smash myths and break barriers that keep people from talking about how they want to die.

You have to talk, said Goodman, if you want your dying wishes to be granted. It is ?what matters to you, not what?s the matter with you.?

Wishes and reality conflict

Not knowing a loved one?s wishes made Goodman one of a crowd facing similar challenges. A California HealthCare Foundation survey in 2012 found that 60 percent of people say it?s ?extremely important? that their family members not be burdened by making tough end-of-life decisions for them. But a very similar number, 56 percent, had not communicated their wishes.

Those aren?t the only oddly inverted numbers when the topic is death. The Centers for Disease Control and Prevention found in 2005 that 70 percent of people say they?d like to die at home; 70 percent instead die in a nursing home, hospital or long-term care facility. And while 80 percent of people said they?d like to talk to their doctor about end of life care, only 8 percent said they had done so, according to the California survey. Even more ? 82 percent ? said it?s important to put wishes into writing, yet just 23 percent had done it.

The Conversation Project was launched to change such numbers, said Goodman, who has teamed with medical professionals, clergy, social workers and others from the media for the campaign.

?The goal is to make it easier to initiate conversations about dying and to encourage people to talk now and as often as necessary so that their wishes are known when the time comes,? she said.

Those involved with the project, from advisers to board members and staff, have posted their own stories, alongside a ?Conversation Starter Kit.? Now hundreds of visitors to the site are beginning to share their stories there, as well. While each end-of-life journey is unique, many people are on that path.

The stories sort themselves quite easily in ?good death? and ?bad death? categories. The goal is obviously the former. The story shared by board member Dr. Donald M. Berwick, who founded IHI, is a sad one. His dad, also a physician, had a cascade of things go wrong and ultimately died with a painful bedsore on his foot that made comfort nearly impossible. Project founding member Otile McManus? dad talked to his children about ?waking the dead? in the parlor at home as a boy. Although he died unexpectedly and without the need for his family to make decisions on his behalf, they could have if they?d needed to because they knew what he wanted. His wife died at age 93, surrounded by people who laughed and loved and visited often as she wound down, a death that honored her wishes.

Knowing what someone wants at the end of life doesn?t just help those who may have to speak on that person?s behalf, either. The National Cancer Institute said people who have already discussed their wishes for end-of-life care with their loved ones feel less stress at the end of their life.

Acknowledging what?s happening to someone also provides a chance to take a deliberate detour from seeking a cure that may be very unlikely to providing comfort care and focusing on other things, from relationships to bucket list items.

A hunger for knowledge

There are many ways to measure a campaign?s success, especially when the goal is ?more humane death,? Goodman said. ?That?s beyond my pay grade. But we can measure the interest.?

Since late August, the website theconversationproject.org has had 60,000 unique visitors, and 40 percent of them have downloaded the group?s starter kit.

?That amazes me. I don?t download anything,? Goodman said. ?We?ve had so much response we?re kind of drinking out of the fire hose, thinking about our next stage and how to get our message passed along to others.?

The project website links to end-of-life documents like an advanced directive, but the kit itself is an assessment tool for an individual to think not only about what matters most, but how to start conversations about it. First, an individual thinks about what she needs to convey. Then comes the how-to, including an assessment of who someone might choose to tell their wishes. Finally, there are actual conversation starters: ?I need to think about the future. Will you help me??

The group has launched a number of small projects with companies that want to use their wellness programs to encourage employees to have that important conversation, and it?s also teamed with faith-based groups. ?Clergy don?t have a problem with the D-word,? said Goodman. So next up is a train-the-trainer kit, what she called a ?conversation in a box. We?ll be able to help people who want to bring it to their own community or congregation.?

Say it, write it

Requirements vary from state to state, so it?s important to get a form that works where you live. But in general, an advance directive is a document or witnessed oral statement that names a surrogate to make health care decisions for an adult who cannot do it or outlines desired care under particular circumstances, or both. Another form, the Physician Order for Life-Sustaining Treatment, is completed with a physician or care team. It?s a standing medical order for what should or should not be done, and a physician who bases care on the POLST is protected from liability.

Advance planning is not just for terminal situations. Sometimes, a person will survive the condition that for a time, at least, left them unable to discuss and express wishes. That means living with whatever was done.

The National Healthcare Decisions Day blog has compiled some resources to make it easy to get many of the advanced planning forms. Just remember that many of them are state-specific.

EMAIL: lois@desnews.com, Twitter: Loisco

Source: http://www.deseretnewsservice.com/2013/01/25/conversation-project-aims-to-assure-a-good-death/

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Using Trusts in Your Estate Plan to Help Your Troubled Child | Byrd ...

Jan 24, 2013 ?/? By: Geoffrey H. Garrett, Estate Planning Attorney ?/? Category: Inheritance Planning, Wills and Trusts

As a parent, you will always worry about your children. Fortunately, these concerns will be largely unnecessary since most children learn how to handle the ups and downs of the world from their parents? love and guidance. However, some concerns are justified because some children, no matter what age, seem to always need parental guidance. And, while you are alive, you can provide the direction and encouragement to steer your child clear of their compulsions, such as gambling, drug abuse or excessive drinking. But, is there something you can do now to make sure your child does not chip away at their future inheritance, or take away from your ability to plan for your own future?

One effective estate planning tool to protect your assets, and your children?s inheritance, is to create a trust. A trust is very flexible, allowing you to set the terms for releasing monies to your children or other heirs, and to change the terms of the trust during your lifetime, if needed. Some establish the trust so that additional money is set aside to one child to take care of anticipated expenses for a more troubled child. Some trusts require that a beneficiary pass a drug or alcohol test before funds are disbursed; others write their trust to have a third party manage the funds for the beneficiary to limit the amount of access a beneficiary has to their trust funds. Although you may not be comfortable treating your children differently, circumstances may dictate that you do so to best provide for the future of your loved ones.

Byrd : Garrett, PLLC is a member of the American Academy of Estate Planning Attorneys.

Source: http://www.byrdgarrett.com/blog/wills-and-trusts/trusts-estate-plan-troubled-child/

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