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Pen Ees
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Millions of people who were mourning the death of a loved one have reported receiving a sign or a message from their deceased loved one or a divine being. These Extraordinary Experiences (EEs) occur at various times after the death. They include sensing the presence, feeling a touch, hearing the voice, or smelling an odor associated with the deceased, as well as a host of synchronistic, third-party, and symbolic events.

All of these contacts provide great comfort and meaning to survivors. One of the most common of all EEs are visitation dreams. Here is a common approach for seeking a visitation dream used by many mourners.

1. Place a pen and writing pad on the night table by your bed to record your dream when it occurs. A true visitation dream is never forgotten, but it may be useful to immediately write down all the small details of the dream for later use.

2. Counselors who are open to the EE phenomena often suggest to the mourner to pray for an encouraging sign that their loved one is okay. Each evening before you retire ask God or your Higher Power to allow you to have a comforting dream visit from your loved one.

3. Try to relax you and facilitate sleep by thinking of some loving memories when the beloved was alive. Take some deep breaths and focus on the comforting images you have created. Go over the scene in detail, the time of day, place, weather, what was said, who else was their, and the conversation.

4. Be patient and have faith in God or your Higher Power to hear your petition. Also, many spiritual counselors suggest asking, as you would in whatever is your faith tradition, for protection from any unwanted dreams.

5. Remember, most people who are mourning will dream of their loved one, but not all dreams are visitation dreams. A visitation dream possesses a very special sense of clarity, meaning, and reality. It will be an extremely positive experience and you will know you have been given a gift of comfort.

6. When you receive your dream, give thanks, and be sure that you write it up so you can use it as a resource for dealing with unwanted thoughts at a later time. It is also a record to pass on to your children or relatives and becomes a part of family history.

The Swiss psychiatrist, Carl Jung, the founder of analytical psychology, has long suggested that many of our psychological battles are won with spiritual solutions. He had an Extraordinary Experience after the death of his mother when riding on the train home to go to her funeral. So don't be afraid of looking for dream help from your spiritual beliefs. The results will be meaningful and you will make it through this difficult time.

Ask others with similar beliefs to pray for you to receive your dream. There is a web site, http://www.christineduminiak.com, and a group called Prayer Wave for After-Death Communication who will also pray that you receive a sign. Persist and you will be comforted.

Dr. LaGrand is a grief counselor and the author of eight books, the most recent, the popular Love Lives On: Learning from the Extraordinary Encounters of the Bereaved. He is known world-wide for his research on the Extraordinary Experiences of the bereaved (after-death communication phenomena) and is one of the founders of Hospice of the St. Lawrence Valley, Inc. His free monthly ezine website is http://www.extraordinarygriefexperiences.com.

Tax exclusion on cashing US saving bonds for your education expenses

Generally you are required to pay tax on interest which you earn on U.S. savings bonds.  However if you cash in these bonds under education savings program, you can exclude the interest from your income.

IRS has provided a number of incentives towards meeting your educational expenses.  One of them is tax free interest on U.S. savings bonds. Remember the following points to check your eligibility:

1. You can pay educational expenses for yourself, for your spouse or for your dependent.

2. For claiming this benefit, your modified adjusted gross income must be less than $82,100.

3. If you are married, your filing status should not be married filing separately.

4. The bond should be of a series EE bond, which is a issued after 1989 or series I bond.  The bond has to be issued in your name or in the joint name of you and your spouse.  The holder must be minimum 24 years old on the date of issue of bonds.  This date of issue is usually printed on the front side of the bond.  This issue date may not be the date of purchase; it may be the first day of the month in which you purchase the bond.

5. You should use the sale proceeds of the bond for qualified educational expenses.  These expenses maybe for yourself or your spouse or your dependent.  The following expenses will be treated as qualified education expenses for this purpose:

a. However you cannot include expenses on room and board, expenses on courses involving sports, games or hobbies which are not in your degree or certificate program.

b. Contributions towards a qualified tuition program (QTP)

c. Contributions towards a Coverdell education savings account.

While calculating the educational expenses, you must make a reduction of tax free scholarships, expenses met by distributions from a Coverdell account or expenses taken care of by distributions from a QTP.  If you use for pen lifetime learning credits to meet part of the educational expenses, such amount will have to be deducted from qualified educational expenses under this program.

6. The expenses must be towards courses of eligible educational institution which is recognized by U.S. Dept of Education.  Certain institutions which are located outside United States and for participating in the U.S. department of education’s Federal student aid program can be considered as qualified educational institutions.

7. If the amount you receive while cashing the bonds is less than the qualified educational expenses for the year, the total amount you receive will be exempt.  However if the amount you receive is more than the qualified educational expenses, only part of the interest will be exempt.  In this case you need to calculate the tax free amount.  First, find out what is the amount of interest you have received.  Then multiply it with the qualified educational expenses paid for the year and divide it by the total proceeds of bonds you have received in the year.  The resulting figure will be your tax free interest for that year.

8. If you claim the exemption for your dependent, his particulars must be entered on form 1040 or 1040A online 6c.

You need to use form 8815 to determine the exclusion amount of your interest on education savings bond.  This form needs to be attached to your tax return.

About the Author

Chintamani Abhyankar, is a well known expert in the field of finance and taxation for last 25 years. He has written many books explaining inside secrets of the magic world of personal finance. His famous eBook Stop donating your money to IRS which is now running in its second edition, provides intricate knowledge and valuable tips on personal finance and income tax.

I found an Olympus PEN EES camera from 1981. How much should I sell it for? I'm not sure if this is valuable.

I don't know anything about cameras, but there were no batteries in it, but its looks like its brand new.. the lens is a little foggy though.

Actually the EES is a lot older than 1981. It was made from 1962-66.

I bought one in Viet Nam in 1967. Used it until the jungle literally destroyed it, then bought myself a 35mm Pentax.

Those little Pens were great. they used 35mm film, but shot half frames. So you could get either 48 or 72 frames from a single roll of film. i shot mostly slides with mine. Still have hundreds of 1/2 frame slides filed away.

Funny thing is a friend of mine (whose father died recently) told me he had a camera that had belonged to his dad, and asked if I'd like to have it (since both his dad and I served in Viet Nam).

i said sure. Boy! Was I surprised when he brought it over! It was an absolutlely mint condition Olympus Pen EES, in its original leather case, and not a scratch or flaw anywhere except for a tiny spot of rust on the back of the case.
It now occupied an honored place in my shelf full of old cameras.

I doubt that they're worth much. I don't really know much about collectibles. But if you want to play around with it, I bet it'll still work. They used some kind of light sensitive cell as a light meter, and didn't require a battery.

One problem, though ... not many places will know what to do with the 1/2 frame film these days.

Gordon research and science education bill sidetracked again
Rep. Bart Gordon's effort to reau­tho­rize leg­is­la­tion that funds efforts to pro­mote sci­ence research and sci­ence edu­ca­tion failed on a pro­ce­dural vote Wednes­day, the sec­ond time the leg­is­la­tion has been side­lined in recent days.

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