There are many techniques used to forecast the future. Forecasting the future in investment is called 'capital markets expectations '. Without formulating an expectation of the future, it is not possible even to plan for one's retirement because future inflation, interest rates and investment returns are completely unknown. In the investment circles, all investors make some kind of forecast. The … [Read more...]
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Recently, Association of Persons with Special Needs (APSN) invited me to speak to their members on the topic on estate planning for persons with special needs. I was told that APSN is the largest association in this sector. APSN has 4 schools and 1 adult learning center. One of the objectives of the APSN is to cater for the needs of the mild intellectual disability. I spoke on two days 31 Oct and … [Read more...]