Do I need a pre-wedding? 10 good reasons to insist on a

On the subject of prenuptial agreements, the first question to ask your attorney is, “Do I need one?” Under current law in my state (which is New York), in most cases an honest answer might be “Probably not.” However, for various reasons, it is not the answer you are likely to hear. To be precise, there are a variety of special factors that can dictate that you should have one, even if you don’t absolutely need it.

When considering research, I often recall the advice of a now-deceased former colleague (a pioneer in our field on behalf of women’s rights in divorce). When approached by a high-powered potential client, a successful businesswoman who wanted to know if she “needed a pre-nup,” my colleague paid little attention to the client’s candid explanation of the financial complexities and personal emotional factors of her situation. Instead, he narrowed the investigation down to a single question: “Who has more money, him or you?”

When told that the future husband was undoubtedly the wealthiest part, my colleague said, as if reciting one of the Ten Commandments: “Well then you certainly don’t need it. And don’t you dare say a word about your fiancé. Don’t even mention the word pre-nup! “

Some other factors to consider that militate in favor of a garment are the following:

(1) You want or need to provide for people other than your spouse in your estate plan. This could include parents, siblings, children from a previous marriage, even charity. If you don’t provide it, under New York law, your spouse will have the right to choose to take up to one-third of your estate, regardless of what your will says (a right known as “spousal right of choice”). And, if you died without a will (the legal term is “intestate”), your spouse may be entitled to an even larger share.

(2) You own an asset together with other people that you do not want or cannot share with your future spouse in the event of a divorce. Under New York’s system for dividing marital property in divorce (known as equitable distribution), whether or not title to the premarital property is held with a third party, your spouse may have the right to share in your appreciation. (or even the total value, when the property has been “mixed” with the marital property is considered indistinguishable).

(3) You trust that your future spouse will not marry you for your money, but you still find it necessary to put that trust to the test. Most prenuptial agreements state that all joint title assets will be shared equally in the event of divorce; Therefore, after your spouse gains your trust, you can, if you wish, choose to take a more sharing and sharing approach. A less common provision sometimes proposed by the less wealthy party is a “sunset provision”, which means that after a certain number of years of marriage, the entire pledge becomes null and void. I have never been comfortable with this concept, which strikes me as a built-in incentive for a party to initiate divorce proceedings before the “expiration” date.

(4) For other reasons, you want or need to establish a mechanism to share future living expenses with your future spouse. An example might be when one spouse can more easily afford to make an initial investment in an asset such as a home or business, and the other has more monthly cash flow available. On the other hand, the true usefulness of this type of provision is questionable; It is hard to imagine one spouse taking legal action to enforce this type of provision against the other without triggering a divorce litigation.

(5) You plan to undertake a significant joint investment, in the very near future, for example a marital residence, and you want to address, in advance, your respective rights to share any increase, how you will assign the responsibility to maintain it, etc. . If you want to arrange that, in the event of a divorce, the estate will be divided proportionally (based on your respective contributions), rather than 50/50, now is the time to do so. In addition, presetting a mechanism for sharing common expenses during your marriage could serve to reduce tensions or allow one or both of you to commit more sincerely to the purchase.

(6) You are in your own business and you or your business partners do not want your future spouse to take a share in it. Under New York divorce law, your prenuptial business, or at least your marital appreciation, can be marital property subject to valuation and distribution. No judge will force you to sell your business, especially if it is your main source of income, and certainly will not require you to accept your ex-spouse as a business partner, but rather cash awards, determined by an appraisal of your business that is done routinely. . This can be particularly problematic when your business cannot be sold or is not easy to sell, such as with a minority interest in a nearby corporation, a limited partnership interest, or an interest in a professional practice.

(7) More specifically, you have, or plan to have, your own professional practice and do not want your spouse to be interested in it. While many companies can be evaluated with reference to the sales of comparable companies, professional practices normally cannot and, consequently, are valued in accordance with established accounting conventions. This can result in appraised values ​​of up to seven figures, where the gains are substantial. Additionally, since there is typically no asset to sell to generate the court-awarded payment, the payer typically ends up paying the award with the proceeds that have been valued.

(8) You are pursuing or could follow a course of study, taking an exam, etc., which will lead to a degree, certification, license or similar, and you do not want to risk having to pay your future spouse. for a part of its intangible value. If such intangible assets were acquired in whole or in part during the marriage, the resulting improvement in earnings will generally be valued over the actuary’s working life of the holder. Again, when it comes to substantial income, the value can easily go up to seven figures. And, a professional practice, degree, certification, license, or something similar certainly cannot be sold to generate the funds necessary to pay for such an award.

(9) You are involved in a business or occupation where opening your books, or disclosing your finances, in a divorce is far from an attractive prospect. There is financial liberalism in New York divorce proceedings, which means that anything within reason that affects income or assets is fair game. Enough talk.

(10) And last but not least, what may be the biggest motivating factor for some, the desire not to have to pay divorce attorney fees that could be large enough to eat up a substantial portion of your hard-earned assets. Divorce litigation can be extremely expensive. If that’s not cause for sufficient concern, consider that you may have to pay not only your own fees, but your spouse’s legal fees as well, if he or she is the financially dependent party. Establishing your financial rights in advance, pursuant to a prenuptial agreement, is one way to avoid costly litigation over financial matters, but keep in mind that child-related issues cannot be legally resolved prior to the wedding.

I’m sure any of my colleagues could point to ten or more important reasons that I have missed. However, if none of the 10 reasons above apply to you, and you are not substantially wealthier than your future spouse, you may be one of those lucky few people who can avoid the usually painful (always unromantic) process of negotiating. a prenuptial agreement on the eve of your wedding.

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Five Types of Bank Fraud – Title 18 – US Code – Section 1344 Explanation

Violations of the law at a bank or the use of financial institution accounts are often prosecuted in federal court as “bank fraud.”

The United States Attorney’s Office will seek an indictment (a document that formally charges the person with a crime) for bank fraud based on a relatively non-complex theft or embezzlement of money by a bank employee, or a more complex scheme to defraud based on statements, such as an overvaluation of properties or values. In addition, the federal prosecution will seek a bank fraud indictment based on a complex scheme to defraud, such as a scheme based on a series of false loan applications and misappropriation of borrowed funds or non-existent collateral.

The United States Code contains federal crimes that are prosecuted by the Department of Justice or its field offices, the United States Attorney’s Offices, in the respective districts in the different states. Title 18 of the United States Code, Section 1344, entitled Bank Fraud, makes it a crime to defraud a bank or to commit a scheme to defraud the accounts of a financial institution. Title 18, US Code, Section 1344 says the following:


Who knowingly executes or attempts to execute a plan or artifice:

1) defraud a financial institution; gold

2) to obtain money, funds, credits, assets, securities or other property from, or under the custody or control of, a financial institution, through false or fraudulent claims, representations or promises;

you will be fined no more than $ 1,000,000 or imprisoned for more than 30 years, or both.


The violation of making a false statement to a financial institution is also a criminal law commonly used to prosecute people for making false statements to the facts before a bank. The crime of making a false statement is often used when federal prosecutors are investigating a person for bank fraud or violations involving a financial institution.

Under Title 18, United States Code, Section 1014, it is a federal crime to make a false statement to a financial institution. 18 USC §1014 says the following (in summary):

False statements to a financial institution –

Whoever knowingly

1) Make a false statement or overestimate any property

2) In order to influence a

3) The action of a financial institution

you will be fined no more than $ 1,000,000 or imprisoned for more than 30 years, or both.

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How to find a short sale attorney

Finding the right person to handle any legal transaction related to your home can be a difficult challenge. It is difficult to know who has the correct qualifications and certifications, much less who will truly be the best qualified with experience and knowledge for your particular circumstance. This is especially true if you are faced with the possibility of a short sale. Even if you are trying to find a short sale attorney in Los Angeles, Phoenix, or other areas particularly affected by the housing crisis, there is still a relative lack of attorneys with real experience in mortgage loan modification and debt relief. . These tips will help you find someone who represents your case well.

Find someone with proven experience

Having the technical qualifications to represent someone and having the actual practical knowledge are two very different things. Once you have determined that your chosen attorney has the knowledge and legal authority to represent you, you should begin asking questions about their experience in the area. How long have they been representing homeowners? What other types of cases do you handle? How have your previous cases turned out? Asking these questions will help you determine if you are the right person to take care of him or not.

Contact local homeowner assistance programs

Programs run by the government and non-profit organizations can often help you find a qualified attorney. They will at least be able to advise you on some common pointers for an unqualified person. They may provide references or have partnerships with local businesses that have proven particularly helpful. Remember that all attorneys must pass your local bar exam and have a license to practice law, so if you are having a hard time finding someone (or want to verify their ability to represent you) you can always check there.

Educate yourself

A home loan modification expert will have a lot of specialized knowledge; that’s why you want your help in the first place. But that doesn’t mean you have to go into the search process totally blind. Make sure you know the basics of what you are looking for before beginning any type of search. For example, are you looking to keep your home, or do you think it would be better to try to cut your losses through a short sale?

If you are unsure, there is nothing wrong with getting multiple opinions. A good attorney will encourage you to educate yourself as much as possible, so that you learn what is happening and what they are doing to help you. The more you know, the better prepared you will be to handle anything that may happen during the case, and the more likely you will find yourself working with a great attorney.

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Choosing a Good Financial Advisor: An Attorney’s Perspective

Choosing a good financial advisor and finding the best one for you is a lot like interviewing job seekers; you are the employer and the advisor is the employee. Working in the area of ​​estate planning, I can offer some criteria that I look for in light of my experience working with financial professionals.

Here are seven tips for “interviewing” candidates competing for your business:

(1) Qualified referral: Did the candidate come to you, or contact the candidate, based on a qualified referral? By “qualified referral,” in other words, is the candidate someone who was recommended to you based on proven success with your clients, or is he someone who was recommended because of a person you trust making a recommendation? Keep in mind that consultants are in a business that relies heavily on referrals. The advisors are also in “sales”. Therefore, they frequently request referrals from new clients who have not yet “rated” the referral based on empirical evidence of their advisor’s actual performance, even though the client may have received good advice or service and therefore wants to promote. to your advisor.

(2) Objective ratings: There are sources like AM Best and (formerly known as Weiss) that rate finance companies with an A, B, C, (+/-) system. These are useful to know if the advisor works for a well-qualified company or firm. However, at least with AM Best, insurance and financial companies pay to have their ratings published, which then calls into question objectivity. Therefore, trust more than one rating source. There are also reports from the Better Business Bureau (BBB), the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA), as well as the Federal Trade Commission (FTC) that announce irregularities committed by companies. financial among others. Searching through the above will at least reveal any “red flags”.

(3) Compensation-Driven Advice: Unfortunately, those in financial positions may want other sales-related industries to come under scrutiny. When it comes to making financial recommendations, the assessors’ own compliance dictates acceptability, to some extent, based on whether the recommended product passes a “suitability” test. Therefore, the SEC has some consumer protections built into its regulations. However, the financial industry is very smart about making product recommendations that can circumvent suitability restrictions by trying to stay one step ahead of the SEC. As such, know how much your advisor makes on the deal, as well as exactly what your company’s share of compensation is. The lesson of the past is that advisors are known for making recommendations based on compensation.

(4) Don’t be fooled by guarantees of any kind: If your advisor guarantees something, be very skeptical. Some financial instruments, such as the cash value in a whole life policy, may have some degree of guaranteed principal protection. However, with any third party that has your money or assets, even if the FDIC is insured, there are no 100% guarantees, although there are some financial instruments that are safer than others (those insured by the FDIC are relatively safe). In fact, promises of guarantees on products or financial plans that are not financial can cause problems for an advisor with their regulatory agency.

(5) Good reputation: It is not offensive to simply ask about the good reputation of a licensed consultant and / or any disciplinary action that has been taken. You can even request that you provide documentation showing a “clean record.” Why not? Employers get background checks on employees. Right?

(6) Who is on the advisor team: Get to know all the “players” on the advisor team who will be a part of making recommendations and managing your account. Does your business have someone watching your money all the time? Will your investments be risk assessed frequently and precautions taken before market crashes like the one experienced in 2008 and 2009?

(7) Availability and Specialty – If your advisor or someone on their staff does not contact you before the end of the day or at least first thing in the morning, this is cause for concern. Good advisers tend to get back in touch with their clients within 24 hours of being contacted, usually the same day. On another note, your advisor specializes in anything important to your needs. It is one thing to have an advisor who “takes care of your needs”, but does he have knowledge of the desired products and the areas that are important to your balance sheet, such as variable annuities, variable life insurance, long-term care insurance, ETF? etc., or college planning, distribution planning, aggressive growth investing, commodities, etc.

In addition to these seven tips, make sure your advisor handles bad recommendations and is modest with good ones. These indicate someone who is probably more responsible and less of the defensive or ego-driven type. If not, it’s nice to know that someone will do their best when things go wrong.

Ultimately, there will be good and bad advisers; The advisor who is good for you is just as important as choosing someone who is “good.” It is essential that a professional recommend the best products to achieve your goals and protect your money. Therefore, doing some of your own due diligence on financial products is a good idea despite seeking an advisor for their opinions. The money and finance section of your local bookstore should have good publications to help you. In the end, seek a neutral opinion from someone outside the financial industry who has no reason to defend or criticize the companies or the advisors themselves. People in the financial industry may have a tendency to protect their own or criticize others too quickly. After the recent aftermath of this recession, caution and deliberation with your current advisor or in the search for a new one are well warranted.

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Don’t make a bad situation worse – hire bankruptcy attorneys to represent you

Deciding to opt for bankruptcy protection is a difficult decision that is often reached only as a last resort. Still, one of the biggest mistakes people make when applying is waiting too long. Valuable resources can be spent trying to pay off creditors and keep the business afloat, which can ultimately affect your chances of qualifying for protections.

A second but equally important mistake is trying to manage the process on your own. Cash-strapped individuals and businesses are often looking for ways to save money and reduce costs, but refusing to hire bankruptcy attorneys to represent you could end up costing you much more in the long run.

Different types of bankruptcies

There are several different types of bankruptcy options. Chapters 7, 11, and 13 are the most common. Chapter 7 is used in asset liquidation and is most commonly used for individuals. Chapter 11 is open to both businesses and individuals, and Chapter 13 is open to individuals who wish to pursue a debt restructuring program and protect existing assets rather than liquidate their assets.

Nuances of legal representation

Sometimes it can be difficult to determine if you need legal representation. The paperwork seems straightforward and your case is simple, so you might consider representing yourself in court. This is allowed in Chapter 7 and 13 cases, but Chapter 11 cases must have legal representation.

Although debtors can represent themselves in court, it is very difficult to do so successfully. The legal process is complex even in the best of situations. When personal and business finances come into play, the technicalities and complexities increase even more. It is vital to the success of your case to have experienced bankruptcy attorneys representing you and who can properly present and handle your case. A mistake as simple as forgetting to file a form can cost debtors their right to a case. The short-term and long-term financial consequences are too great to risk representing yourself. Bankruptcy attorneys are experts at evaluating situations on a case-by-case basis and then recommending an appropriate course of action.

Find a lawyer

Finding an attorney is as simple as contacting your state or local bar association. Most groups have a search function on their website that allows you to find attorneys who are experienced in your type of situation. If you are concerned about the cost, contact the association. You may be able to find free attorney services or even law schools that offer pro bono work. The court system is also a good way to find free services and / or bar associations.

If you’re having financial difficulties, don’t try to fix it on your own. Many attorneys offer free consultations and can tell you if filing is right for you, your chances of a successful resolution, and the costs involved. They may even recommend alternatives, such as mediation or debt negotiation, if you talk to them before things get too bad.

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How does plea bargaining work?

If you or a loved one find yourself in trouble with the law, it’s probably going to be a pretty scary experience. I know this because I am a criminal lawyer and I speak to people every day in their exact position. When you’re in trouble, you’re probably thinking of two things: how can I make this go away; and I’m going to have to go to jail. Often times, plea bargaining has a lot to do with the answers to those two questions.

Guilty plea negotiation, as you probably know, is the process of reaching a solution to your problem with the prosecutor. Generally, plea bargaining takes place between your criminal attorney and the prosecutor on the case, although sometimes it will be with others (including the victim in certain circumstances). Guilty plea negotiation is a way to resolve cases without going to trial. Usually, an agreement is reached between both parties regarding the type of crime that will be admitted and the sentence that will be imposed.

The plea negotiation process is also fairly straightforward. The process generally begins when the prosecutor makes an initial offer to settle the case. This offer, like the offer to purchase a house, generally includes everything the prosecutor wants. At that point, your criminal attorney will review the plea agreement, discuss the costs and benefits of accepting it, and decide where to go from there.

If a plea offer is not accepted immediately, your attorney will go to work to obtain a better resolution. This happens by combining several different factors. First, your attorney will analyze the facts of the case and determine what problems, if any, exist for the state. If it is going to be difficult for them to prove your case, then you have a lot of influence to get a good result. Other factors that help in the negotiation are your criminal record, willingness to do things that will replace jail, and any legal problems the prosecutor may have.

In any case, the number of problems is directly related to the deal that can be achieved. Bad cases usually get good deals. That is the prosecution’s negotiation process. Good luck getting the best deal you can.

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Hooray for the Federal Rules of Evidence!

The Federal Rules of Evidence used in the federal courts of the United States and adopted by many states and the military are the codification of many years of common law rules of evidence. The development of modern rules of evidence has been a process of nothing more than putting old wine into new bottles. If one can understand common law notions of evidence, the Federal Rules will be easy to understand.

The purpose of the Federal Rules of Evidence is to ensure fairness in the administration of trials; eliminate unjustifiable expenses and delays; and promote the growth and development of the right of proof so that the truth is verified and the procedures are determined with justice. As a former trial attorney and current law school professor teaching the rules of evidence to students, I view the Federal Rules of Evidence, adopted by Congress in 1975, as a masterpiece of putting the old common law wine into a new bottle. I have used the Federal Rules of Evidence throughout my career.

This article is not about any specific common law rules or rules that may have been included in the new bottle known as the Federal Rule of Evidence. Instead, I write this to show how influential and widespread the use of the rules has been. Forty-four states, Guam, Puerto Rico, the Virgin Islands, and the military have adopted all or part of the Federal Rules for use in their judicial systems. This is a very good trend because the rules of evidence for most states will be roughly the same throughout the United States.

The following paragraphs provide essential information about jurisdictions that have adopted rules of evidence based on Federal Rules. They include information on when the local rules went into effect and when they were amended, if any:

ALABAMA. Adopted by the Alabama Supreme Court effective January 1, 1996. No amendment.

ALASKA. Adopted by the Alaska Supreme Court as of August 1, 1979. Last modified October 15, 2003.

ARIZONA. Adopted by the Arizona Supreme Court as of September 1, 1977. Last modified June 1, 2004.

ARKANSAS. Adopted by the Arkansas Supreme Court effective October 13, 1986. Last amended January 22, 1998.

COLORADO. Adopted by the Colorado Supreme Court effective January 1, 1980. Last amended July 1, 2002.

CONNECTICUT. Adopted by the Connecticut Superior Court judges effective January 1, 2000. No amendment.

DELAWARE. Adopted by the Delaware Supreme Court effective February 1, 1980. Last amended December 10, 2001.

FLORIDA. The Florida Code of Evidence was enacted by the Florida Legislature effective July 1, 1979. Last amended July 1, 2003.

GEORGIA. Governor Nathan Deal signed a House bill that made Georgia’s rules effective on January 1, 2013. No amendment.

GUAM. Adopted by the Guam Judicial Council as of November 16, 1979. Last amended July 18, 2003.

HAWAII. Enacted by the Hawaii Legislature effective January 1, 1981. No amendment.

IDAHO. Adopted by the Idaho Supreme Court as of July 1, 1985. No amendment.

ILLINOIS. Adopted by the Illinois Supreme Court effective January 1, 2011. No amendment.

INDIANA. Adopted by the Indiana Supreme Court effective January 1, 1994. Last amended January 1, 2004.

IOWA. Adopted by the Iowa Supreme Court as of July 1, 1983. Last amended February 15, 2002.

KENTUCKY. Enacted by the Kentucky Legislature effective July 1, 1992. Last amended July 1, 2003.

LOUISIANA. Enacted by the Louisiana Legislature effective January 1, 1989. Last amended August 15, 2003.

MAINE. Adopted by the Supreme Judicial Court of Maine as of February 2, 1976. Last amended July 1, 2002.

MARYLAND. Adopted by the Maryland Court of Appeals effective July 1, 1994. Last amended January 1, 2004.

MICHIGAN. Adopted by the Michigan Supreme Court effective March 1, 1978. Last amended January 1, 2004.

MINNESOTA. Adopted by the Minnesota Supreme Court effective April 1, 1977. Last amended January 1, 1990.

MISSISSIPPI. Adopted by the Mississippi Supreme Court effective January 1, 1986. Last amended May 27, 2004.

MOUNTAIN. Adopted by the Montana Supreme Court effective July 1, 1977. Last amended October 18, 1990.

NEBRASKA. Enacted by the Nebraska Legislature effective December 31, 1975. Last amended July 13, 2000.

NEVADA. Enacted by the Nevada Legislature effective July 1, 2004. No amendment.

N.H. Adopted by the New Hampshire Supreme Court effective July 1, 1985. Last amended January 1, 2003.

NEW JERSEY. Adopted by the New Jersey Supreme Court and the New Jersey Legislature in a joint proceeding beginning July 1, 1993. Last amended July 1, 1993.

NEW MEXICO. Adopted by the Supreme Court of New Mexico as of July 1, 1973. The last amendment went into effect on February 1, 2003.

NORTH CAROLINA. Enacted by the North Carolina Legislature effective July 1, 1984. Last amended October 1, 2003.

NORTH DAKOTA. Adopted by the Supreme Court of North Dakota as of February 15, 1977. Last amended March 1, 2001.

OHIO. Adopted by the Ohio Supreme Court as of July 1, 1980. Last amended July 1, 2003.

OKLAHOMA. Enacted by the Oklahoma Legislature effective October 1, 1978. Last amended November 1, 2003.

OREGON. Enacted by the Oregon Legislature effective January 1, 1982. Last amended July 3, 2003.

PENNSYLVANIA. Adopted by the Pennsylvania Supreme Court effective October 1, 1998. Last amended January 1, 2002.

PUERTO RICO. Promulgated by the Legislature of Puerto Rico as of October 1, 1979. Last amended on August 30, 1999.

RHODE ISLAND. Adopted by the Rhode Island Supreme Court effective October 1, 1987. No amendment.

SOUTH CAROLINA. Enacted by the South Carolina Legislature effective September 3, 1995. No amendment.

SOUTH DAKOTA. Enacted by the South Dakota Legislature effective July 1, 1978. No amendment.

TENNESSEE. Adopted by the Tennessee Supreme Court effective January 1, 1990. Last amended July 1, 2003.

TEXAS. Adopted by the Texas Supreme Court effective March 1, 1998. No amendment.

UTAH. Adopted by the Utah Supreme Court as of September 1, 1983. Last amended November 1, 2004.

VERMONT. Adopted by the Vermont Supreme Court effective April 1, 1983. Last amended May 27, 2003.

WASHINGTON. Adopted by the Washington Supreme Court on April 2, 1979. Last amended on September 1, 2003.

WEST VIRGINIA. Adopted by the West Virginia Supreme Court effective February 1, 1985. Last amended January 1, 1995.

WISCONSIN. Adopted by the Wisconsin Supreme Court effective January 1, 1974. Last amended March 30, 2004.

WYOMING. Adopted by the Wyoming Supreme Court effective January 1, 1978. Last amended February 28, 1995.

THE MILITARY. The Military Rules of Evidence were adopted by Decree No. 12,198 of March 12, 1980. Last modified by Executive Decree No. 13,262 of April 11, 2002.


THE VIRGIN ISLANDS OF THE UNITED STATES. No date of adoption was found.

What an impressive list of adoptions and enactments modeled after the Federal Rules of Evidence! Several jurisdictions have not adopted rules of evidence based on the Federal Rules of Evidence. They are: California, the District of Columbia, Kansas, Massachusetts, Missouri, New York and Virginia.

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Gratitude, pass it on!

Who has helped you on your way to success? How have you thanked them?

Coach Wooden said, “It takes 10 hands to make a basket.”

Show appreciation to others who made you successful:

“Coach Wooden insisted that his players always acknowledge the help and support they received from other team members. For example, a player who scored a basket after receiving a pass from a teammate was expected to acknowledge the assist while he was heading back to the court to play defense, usually pointing, smiling, winking or nodding at the man who helped create the scoring opportunity. ” (From Pat Williams’ book “How to be like a wooden coach”)

Some players asked: “But coach, what if he [the teammate who gave the assist] not looking? “

“Trust me,” Wooden replied, “he’ll be watching!”

Thank others for helping you. Even a nod or a smile is a good start.

Coach Wooden “understood that EVERYONE needs acceptance and approval.”

Do it now moto:

As a child, I learned the value of hard work from my parents, Robert J. Frank, the first college graduate in their family who later graduated from medical school to become a physician and surgeon. Dad first worked as a waiter at a restaurant near the University of Virginia to pay for college. Later he was an assistant to his professor of physics, teaching classes at the university. My mom, Romayne Leader Frank, worked as a lifeguard and model to take her to college at the University of Michigan to become a school teacher. After marrying Dad, she finished her education at the University of Virginia with a teaching degree. Latter Momma worked to pay for Dad’s residency and medical internship at Sears and Roebucks as a sales clerk, and also wrote political speeches for politicians at $ 50 a speech. A married woman in those days was not allowed to teach in school.

Growing up, my dad’s patients were fishermen and farmers who paid for dad’s services with fish and vegetables. Money was hard to come by. We always had a backyard garden growing vegetables and learned to till the land with rakes, plant seeds, pull weeds, and gather crops for food. Every week when I was a kid, my parents would give me a “to do list” to do, like mowing the lawn, trimming the bushes, and taking care of my younger siblings. My parents said that as a member of this family you will do these tasks “now”! There were no excuses. The work had to be done immediately!

What did I learn from the discipline of doing these tasks, the “do it now” principle?

Whether it’s washing dishes, mowing the lawn, doing an assignment due in a week, my parents’ motto was “Do it now!” Dont wait! You’ll be busy later.

These tasks gave me the discipline for my future. When I went to college and was given an assignment to turn in a few days later, I would do it right away! Later, when something needed immediate attention, like a door knob falling off, I would repair it right away! Whatever needed to be done, I would do it “immediately”, remembering my parents’ motto: “Do it now!” These tasks taught me to be responsible, responsible, respectful of others, and grateful for any kindness given.

Financial success:

When she was 8 years old, Mom, Romayne L. Frank, went back to school at the College of William and Mary to get her law degree. She graduated at the top of her class and was one of the first women to graduate from William and Mary Law School. Mom, as a lawyer, practiced family law and real estate law.

One day after school, Mom smiled at me and said, “Let’s go on a new adventure to the bank.” He took me by the hand and we proudly entered the bank, a large and imposing building. Mom introduced me to the bank teller, Ms. Jay, and asked me to hand over the $ 2 I’d been saving. That day the teller entered my $ 2 in my new savings book, wrote my name on the outside of the book, and explained that I would receive interest every day for the money I deposited in the bank.

Every two weeks, Mom would take me to the bank so I could add in the money I had saved doing my chores. I enjoyed watching the money grow in that savings account. She taught me not only to put money from housework, but future paychecks into my account to start saving for the future. By the time I went to college, I had saved up some good savings for the future. Mom’s lessons in financial success continued through college and graduate school. He shared his financial success lessons with his clients, friends, and family.

To honor my mom’s financial success lessons, I’ve shared mom’s lessons with my children, family, friends, and students in four articles on the web, covering her financial success principles to ensure your financial success.

How did I thank my parents for teaching me to be disciplined and responsible?

Sharing your life lessons with others, writing articles and radio shows sharing your life lessons with others.

Teach the discipline of hard work:

Meredith Lynn MacRae, actress, credits her parents, singer / actor Gordon MacRae and actress Sheila MacRae, “for instilling in her a proper work ethic and keeping her feet on the ground.”

She said: “We lived in a modest house in the San Fernando Valley instead of posh Beverly Hills, which the family could have paid for. Mom and Dad didn’t want us to feel superior to the other kids. I had to earn the things I wanted. from dolls to party dresses, doing housework and taking care of my sister and younger brothers. Many children in my circle automatically got a car when they were 16. Not me. Dad said he would get me a car when I got two years in a row with A in school. I worked like a slave and finally made it. I got the car with the warning that if I didn’t continue with A, it would be taken away. “

Doing housework, working for the things you want, brings discipline into your life and teaches you responsibility and accountability:

Tasks given to her by Meredith Lynn MacRae’s parents instilled in her “a proper work ethic” for her future. These are the most valuable lessons a parent can teach you.

Experts have said, “If he or she hadn’t been pampered to death, it might have turned out differently!”

The chores taught Meredith Lynn MacRae and me to be willing to work hard to make our future a certain jersey.

Be grateful for their blessings and share them with others.:

A well-educated young man, from high school to graduate school, went on a series of interviews at a large company and “passed with flying colors.” His last interview was with the director of the company.

The principal was very impressed with the young man’s excellent performance at school. He asked, “Did you get scholarships in school?”

The Young Man replied: “No.”

The principal said, “Did your father pay the school fees?”

The young man said: “My father passed away when I was one year old. It was my mother who paid for my school fees.”

The director then asked: “Where did your mother work?”

The young man said, “My mother worked as a clothes cleaner.”

The Director “asked him to show his hands.”

The young man showed the director “his soft and perfect hands.”

The director asked, “Have you ever helped her do the laundry?”

Youngman replied, “Never. My mother always wanted me to study and read books. Also, my mother can wash clothes faster than I can.”

The director said, “I have a request. When you get home today, I want you to wash your mother’s hands and see me tomorrow morning.”

“The young man felt that his chances of landing the position were high.”

He came home and “happily asked his mother to let him wash his hands.”

“His mother felt strange. With mixed feelings, she showed him her hands. The Young man for the first time cleaned his mother’s hands slowly. Tears fell as he did so.”

His mother’s hands were “wrinkled, callused, with many bruises on the hands.”

“Her mother’s hands were so painful that her mother shuddered when she cleaned them with just water.”

The young man for the “first time” realized that his mother’s hands had washed his clothes every day so that he could pay for school fees. The bruises on her mother’s hands were the price her mother had to pay for her academic excellence for her future. “

The Young Man “after cleaning his Mother’s hands, he washed all the remaining clothes for his Mother.” That night he and his mother talked for several hours.

The next morning, he went to the Director’s office. “The director noticed the tears in the young man’s eyes.”

Director, “Can you tell me what you did and learned yesterday at your home?”

Young man, “I washed my mother’s hands and also finished cleaning all the remaining clothes.”

Director, “Tell me about your feelings?”

Youngman: 1) “Now I know what appreciation is. Without my Mother, today there would be no successful me.”

2) “Working together and helping my Mother, only now did I realize how difficult and difficult it is to do something alone.”

3) “I appreciate the importance and value of family and relationships.”

The Director said: “This is what I want in my manager. I want to hire a person who appreciates others and the suffering of others to get things done, and the person who would not put money as his only goal in life. “.

The young man was hired by the director. He “worked hard and received the respect of his team members. All team members worked diligently and supported each other. As a result, the company improved significantly.” (Darren Hardy, success mentor to CEOs and high achievers, former editor of Success magazine, shared this story.)

Who has helped you in your success and made it possible?

How have you thanked them?

Coach John Wooden said, “It takes 10 hands to make a basket.”

Remember that to be successful and reach your goal, it takes many teachers, coaches, friends, parents, and mentors to help you on your journey through life. Nobody does it alone.

What are 3 things you can do to thank your teachers, parents, coaches, mentors, and friends for helping you succeed on your journey?

1) Drop them a note, give them a call, or email them a note thanking them for their help. (Start a notebook, start today, and write in it the names of your teachers, mentors, coaches, parents, and friends who have made a difference in your life and are doing something good for them.)

How have I shown my appreciation? I have written many articles and radio shows honoring my mentors for the gifts they have taught me. In this way your good works live and are shared with others!

2) Every week help another person with acts of kindness.

3) How do you feel when you help others to achieve their goal? Do you smile and feel happier by your side?

Remember that if we help others we will be helping ourselves at the same time to grow and improve.

Be grateful for their blessings and thank your teachers, mentors, friends, and coaches who have helped you on your journey.

How will you show gratitude for the gifts that others have given you?

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Social Security Expands List of Compassionate Allowances

This month, the Social Security Administration enacted 35 additional conditions for Compassionate Allowances, bringing the total number of conditions in the expedited disability process to 200. The Compassionate Allowance program is a way to quickly identify illnesses and other medical conditions that meet Social Security standards for critical illness disability benefits. This is a much needed parachute for those affected by a debilitating condition on the new list.

Profit decision milestone

These conditions include certain cancers, adult brain disorders, early-onset Lou Gehrig’s disease, and a number of rare disorders that affect children. Since the Compassionate Allowances program began, 200,000 people have received accelerated benefits. The fast track program ensures that those with the most serious cases receive their benefit decisions within 10-15 days rather than months or years. The program is also designed to ease the workload of an agency that has been inundated with disability claims since the economic downturn a few years ago. Disability claims have risen more than 20 percent since 2008. High demand during the economic downturn has made it difficult for Social Security to reduce backlogs in disability claims and wait times for decisions. About 3.2 million people have applied for disability benefits this year, up from 2.6 million in 2008, the agency said.

The Compassionate Allowances program began in 2008, about a year after the agency did an internal review of how it handled initial requests from people with a handful of serious or rare conditions. By definition, these conditions are so serious that Social Security does not need to develop an applicant’s history extensively to make a decision. As a result, Social Security shortened this part of the application process for people who have a condition on the list.

A recent poll shows that the majority of voters support and favor Social Security Disability Insurance. It was found that 83% of the consensus agreed that disability benefits are not a rights program. Eligibility for SSDI includes proof that a person has worked and earned enough to qualify for benefits.

Social Security has held seven public hearings and worked with experts to develop the list of conditions for Compassionate Allowances. The hearings have also helped the agency identify ways to improve the disability process for applicants with Compassionate Grant conditions. For more information on the Compassionate Allowances initiative, you can visit their website at:

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Duties and responsibilities of a corporate attorney

A corporate attorney is a person who works for a corporate house or company or firm and specializes in corporate law. Corporate law is the study of how shareholders, directors, employees, creditors, and other stakeholders, such as consumers, the community, and the environment, interact with each other. Company law involves the study of the 2013 Company Law, etc. So, corporate law is part of a broader company law.

It is the duty of corporate attorneys to understand the laws and regulations to help the company and its clients work within the legal limits. The role of these attorneys is to ensure the legality of business practices and transactions. The other duties of corporate attorneys include ensuring the viability of business transactions, advising corporations on their legal rights and duties, including the duties and responsibilities of employers and other officials. To be effective in compliance, they must have knowledge of aspects of contract law, securities law, intellectual property rights, tax law, accounting law, bankruptcy law, licensing, and specific laws. of the business of the corporations for which they work. . You have to maintain confidentiality between the company and the company’s clients. This is because if the company’s clients are not assured of confidentiality, they will be less likely to seek legal advice.

The work of corporate attorneys includes legal drafting, reviewing agreements, negotiating agreements, and attending meetings with the company’s clients. Handles the company’s in-house legal work with less or no litigation work. However, you have to assist the company’s outside attorneys in legal matters. Although they work for large companies, they can also be freelancers and hire many different companies. Generally, they serve a single client, that is, the corporation for which they work. As a corporate attorney, you are called upon to handle a variety of legal tasks including corporate tax, mergers and acquisitions, corporate structure matters, employment law, and various other legal matters. They generally need to have knowledge in a wide range of legal fields and will need to be able to handle a large number of issues. Some corporations hire multiple attorneys depending on the job and requirement, each of whom is a specialist in one or two areas of corporate law. So small corporations hire one or two attorneys, while larger corporations may have more than one or two attorneys, each with their own specialty. Generally, corporations such as banks, insurance companies, retail companies, hospitals, oil companies and biotechnology companies, manufacturing companies, energy and communications companies require full-time corporate attorneys.

To be a corporate lawyer, it is essential that you have a corporate law specialization course and this can be done by earning an LLM degree after completing the LLB course. An LLM course in corporate law will generally include work in corporate and securities law, contracts and commercial law, intellectual property rights, banking law, international trade law, and other areas.

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