INPUT ARTICLE: Article: You can put a house or other piece of property into your revocable trust. You can include property even if it has a mortgage on it.  Consider whether you want to leave property to your heirs through a trust.  Because the trust is revocable, you can change your mind at any time (unless you become incapacitated). The only cost you will incur is the cost of retitling property back to your own name. Realize that the mortgage follows the property into the trust. Your ownership interest in any business is probably quite valuable. You should consider leaving those interests to people in your revocable trust. For example, you might leave the following:  You can transfer the assets and business name of a sole proprietorship to the revocable trust. You might be able transfer your ownership interest in a partnership to the trust, although you should check the partnership document first. Some partnership documents limit your ability to make this transfer. You might also be able to transfer shares in a closely held company to your revocable trust. You may also be able to transfer your ownership interest in a limited liability company, though you will need other owners to agree. A trust can own business property but cannot operate a business. If the business interests to be transferred are S corporation shares, care must be taken not to violate the ownership rules for S status. You can also add different financial accounts to your revocable trust. Once you include the account in the trust, the trust owns the assets in the account. Consider adding the following to your revocable trust:  stocks bonds Many people own valuable property that is intangible. This kind of property is often called intellectual property. You might have some of the following, which you can put into your trust:  patents copyrighted creative works Go through your possessions and identify what else you would like to leave. You don’t have to add every single possession you own to your trust. However, you should add things that have substantial value, such as the following:  antiques artwork furniture coins other collector’s items You can’t add some property to a trust, either because doing so is too cumbersome or because it is illegal. In particular, you shouldn’t add the following:  Retirement accounts and 401(k)s. However, you can name your trust as a beneficiary. Life insurance. Your beneficiaries are named on your policy. However, you can name your trust as a beneficiary. Cash. You can’t transfer cash, though you can name someone as the beneficiary of a cash account. They then get whatever is in the account at your death. Securities. It’s better to use transfer-on-death registration instead. Vehicles. Although you can legally transfer a vehicle to a living trust, some insurers are confused when a trust is the owner. It’s probably easier not to own vehicles in a trust.

SUMMARY: Consider adding real estate. Identify business interests. Add financial accounts. Include intellectual property assets. Find other valuables to add. Identify what not to add to a revocable trust.

INPUT ARTICLE: Article: Keep in mind the number of fish you want to breed, each fish’s coloring, and the shape of their tails. If you choose two fish to breed who have the same color patterns, the fry will also have that color pattern. The same principle applies for fin shape.  Number of fish: Generally, you will want to select one male and two or three female guppies for breeding. When there is a ratio of one to one, the male often becomes aggressive, chasing the female around the tank. With a one to three ratio, the male’s attention is split between three females, making breeding a less stressful process for the females.  Color pattern: There are several basic guppy patterns. These include Wild (grey or olive coloring), Albino (light colors or white with red eyes,) Blonde (light colors with black pigment,) and Blue (shimmering blue color.) Tail shape: The shape of guppy tails can range from a rounded back fin to a sword-like shape. There are many different shapes and sizes that guppy tails come in, but the most common are the Delta (which is a large triangular shape,) the Fantail (which is shaped like a fan,) and the Round tail (which is a small, round shape.) You should select a 10 to 20 gallon tank with a heater and a gentle filter. You want the filter to be gentle because otherwise the baby guppies (which are called fry) could be sucked up the filter and killed. If you think your filter is too strong, cover the opening of the filter with sheer tights. The tights will allow the water to be filtered but will also protect the fry. Sadly, guppy parents can turn rather cannibalistic so you will need to provide the fry with hiding places for after they are born. Guppy fry tend to sink, so use low-floating plants for their cover. Some high cover is also required as healthy fry will swim upwards.  Do not use any substrate. Substrate are the rocks/imitation rocks used to cover the bottoms of fish tanks. A bare bottom tank is good for fry as it cleans easily and you can record how many fry are alive or how much they eat. Java moss or spawning moss provides a nice hiding spot for guppy fry. Set the temperature to around 77-79 degrees Fahrenheit (25 to 26.11 C) while the females and male are in the tank together. Before you place the guppies in the breeding tank, purchase  food with a higher nutritional value in order to promote healthy breeding. At this point, all you can do is wait for your fish to breed. Place the male back in the regular tank when you notice that your female(s) are pregnant. You can tell whether a female fish is pregnant or not by looking to see if there is a dark mark on her abdomen. This mark is called a gravid spot. All female fish will develop this when pregnant, but it becomes noticeably darker when the eggs have been fertilized. Generally, the gestation period will take 26 to 31 days. When your female guppy is ready to give birth, her stomach will be very large and her gravid spot will be a deep black (or dark maroon if you are breeding albino or blond guppies.) Her stomach will also square off like a cardboard box rather than growing rounder. Be prepared for the fact that guppies give birth to live babies and not eggs. You will have to monitor your pregnant female closely so that you are there when she gives birth so that you can remove her from the tank immediately after (she may eat her babies otherwise.) Some signs of a fish going into labor are: being very still and secluding herself, shivering (contractions), hanging out near the heater, or a change in appetite (including refusing to eat, or spitting her food out.)

SUMMARY:
Select the fish you want to breed. Select the breeding tank. Set up the tank. Adjust the tank for your fish’s needs. Place the guppies in the breeding tank. Know when your fish is about to give birth.