1. The insurance broker shall abide by the directives on anti-money laundering and combating terrorist financing issued by the Insurance Authority and the other official bodies.
2. The insurance broker shall be obliged to submit to the Insurance Authority within one month as from the end of each fiscal year copy of the movement of the account’s entries referred to in paragraph (2) of Article (8) of the Regulations herein approved by a licensed auditor.
3. The insurance broker shall be obliged to affect separation between his own accounts and the accounts of the clients and company he is brokering for.
4. The account of the financial transactions of the brokerage operations shall be assigned only to these operations and exclusively be used for the following:
a. Depositing the premiums paid by the clients.
b. Depositing the amounts received from the clients in respect of the insurance operations.
c. Depositing the amounts received from the insurance companies to pay the clients.
d. Withdrawing the commissions due to the broker as a result of his effort to execute brokerage operations after getting the insurance company approval to deduct them from the accounts.
5. The broker shall not get any interests against the amounts deposited in the brokerage account and as well shall not maintain these amounts in a form of fixed deposits or get credit facilities or bank loans backed by these amounts.
The Insurance Broker’s Records
1. The insurance broker shall be obliged to maintain duly kept books and records and insert the data and information on the operations he is carrying out in these books and records as the case might be. Further, he shall maintain the documents of these operations as follows:
- to insert the following data and information into the records:
a. Name and address of the insurance company he is carrying out operations of insurance for as broker.
b. Insurance operations carried by him as broker of the company
c. Name of the insurance applicant, the insured, the beneficiary, the policy’s date of issue, and the due premiums.
- to keep the documents relevant to the following brokerage operations in insurance:
a. The memos and correspondence of the broker’s operations
b. The insurance policies and their endorsementsbrokered according to the Regulation herein.
c. The serially numbered documents relevant to receipt, payment, entries and settlements and other financial transactions of the insurance brokerage operations carried out by the broker.
d. The bank accounts of the insurance brokerage operations carried out by the broker.
2. The insurance broker shall maintain the records and documents for five years at least as from date of closing them.
3. The Director General shall determine the records and books ought to be maintained by the insurance broker for a period longer than the stated in the preceding paragraph.
Providing the Insurance Authority with information
Examining the insurance broker’s books and records
1. The insurance broker shall be obliged to submit within one month as from the end of each year the following information to the Insurance Authority approved by anaccredited auditor:
a. The budget and the final statement of the accounts of the insurance brokerage operations in the State for the previous fiscal year.
b. Names of the insurance companies the broker is dealing with and the amounts due to and from them at the end of the year.
c. Amount of commissions received by the broker and the amount of commissions due from the companies for the previous fiscal year (each company separately).
d. The statistical data required by the Insurance Authority according to specimen forms prepared for the purpose.
2. The Director General may assign one or more of the Insurance Authority’s employees or appoint an outside entity to examine the broker’s operations and records and that the insurance broker shall put all the brokerage records, documents and entries at their disposal, cooperate with them and meet their requests in order to do their work in good order.
3. The insurance broker shall bear the expenses determined by the Director General in case an outside entity is being appointed for such examination.
4. The insurance broker shall submit any particulars or information requested by the Director General within the period as he determined for the purpose.
Discontinuing the Profession
The insurance broker may place an application to the Insurance Authority to discontinue working according to the following terms:
1. Submit a written application indicating therein reasons of work discontinue.
2. The period of discontinuation shall not exceed one year.
3. The application shall be decided on by the Director General by acceptance or rejection. His decision shall be deemed final.
4. The broker shall make the necessary procedures of following up the transactions originated prior to the discontinuation in order to protect interests of the client and the insurance companies.
5. In case the broker did not resume his operations after the end of the specified period, a notice shall be served on him to resume his work within one month as from date of the notice and in case he did not resume his work, the Director General shall make a decision to write off his registration. The Director General’s decision shall be final.
1. Should it appears for the Insurance Authority that the broker violated the provisions of the law, the Regulation herein, or any of the regulations, rules and resolutions issued by virtue of the Law, the Director General shall have the right to impose the following disciplinary penalties:
a. Serve a written notice on the broker on the incurred violations and necessity of remedyingthe situation according to the procedures and within the period determined by the Director General.
b. Suspend the broker frompracticing the profession for a period not to exceed six months and in case of repeating the violationsuch period shall be doubled.
c. Cancel the broker registration.
2. If the broker did not remedy the situation as required according to paragraph (a) and (b) above, the Director General shall have the right to cancel the broker’s registration.
3. The cancellation shall become compulsory in case the broker committed three violations of the Law, the Regulation herein or any of the regulations, rules, and resolutions issued by virtue of the Law.
4. Penalties imposed by the Director General shall be without prejudices to the civil or penal liabilities determined by the Law or the related legislations.
Suspension fromPracticing the Profession
1. The broker shall be suspended from practicing the insurance brokerage profession in the following cases:
a. Dealing with an insurance company not registered in the insurance companies’ register.
b. Delaying payment of his financial liabilities according to his agreement with the insurance company for a period exceeding three months as from their due dates.
c. Assigning his registration to another person or renting out his main office or branches licensed to operate in the State.
d. Non-renewing his registration with Insurance Authority within thirty days as from the expiry date of registration.
e.Violating the Law in force or the Regulation herein or the resolutions organizing the insurance brokerage profession.
2. The Director General shall make a decision to suspendthe broker from practicing the profession and inform the companies and the relevant bodies as so.
3. The broker shall not practice the brokerage profession during the periodof suspension and shall remain liable for the liabilities accrued on him as a result of his operations prior to the date of issuing the suspensiondecision.
4. In case the broker remedies reason led to such suspension in a way according to the Insurance Authority’s own discretion removed the reasons led to the suspension, the broker shall request resumption of his operations within three months as from date of issuing the suspension decision, otherwise the Insurance Authority shall take the procedures to write his registration off the register of the insurance brokers.
Writing off the Registration
1. The act of writing a registration of a broker off the Insurance Authority’s register shall be as follows:
a. A notice in two daily newspapers (one in Arabic and the other in English) issued in the State shall be published on the intention to write the broker off the register calling those opposing the writing off or those incurred damages from such an action to lodge their opposition to the Insurance Authority within one month as from date of publishing the notice.
b. Following the expiry of the one month period and in case of resolving all the oppositionslodged to the Insurance Authority, the Director General shall make a decision to write off the registration and the broker shall be advised as so by a registered letter with acknowledgment receipt as well the companies and the pertinent authorities shall be informed of the writing off decision.
c. A broker written off the register shall have no right to request be re-registered in the register except after lapse of three years as from date of issuing the writing off decision unless such action been affected according to the provisions of paragraph (3) of Article (20) of the Regulation herein as the broker shall not be re-registered.
2. Should a decision been made to write the insurance broker off the register, the broker shall be obliged to fulfillthe duty related to the transactions originatedprior to the date of issuing the writing off decision in order to finalize all the incurred liabilities or transfer the operationsunder brokerage to another insurance broker(s) by approval of the client and the insurance company and shall advise the Insurance Authority of details of the transfer operations. However, such transfer shall not be valid unless approved by the Insurance Authority.The Insurance Authority shall have the right to oppose the transfer in case it appears that the transfer offer would threaten the interests of the insured.
In case of dispute arising from the brokerage operations in insurance between the insurance company and the insurance broker or between the insurance broker and the client, the dispute shall be referred before seeking judicial ruling to the Insurance Authority to attempt to find a compromise.
1. Each entity carrying out brokerage operations in insurance upon putting the provisions of the Regulation herein into effect shall adjust its status according to the provisions of the Regulation herein within a period not to exceed one calendar year as from date of putting the Regulation herein into effect.
2. The Insurance Authority shall charge the prescribed fees against any of the procedures the Insurance Authority is making according to the provisions of the Law and the regulations issued by its virtue.
3. The provisions on the insurance broker issued by the Minister of Economy’s decree No (543) of 2006 on Organization of Practicing the Insurance Brokerage Profession shall be annulled.
4. The Director General shall issue the necessary decisions to put the provisions of the Regulation herein into effect.
Publication in the Official Gazette
The Regulation herein shall be published in the Official Gazette and put into effect as from date of publication.
Minister of Economy
Chairman of the Board of the Insurance Authority
Issued in Abu Dhabi on 00/00/2012


The revenue cycle management process for healthcare has many different moving parts. It begins when a patient first books an appointment for medical services and ends when all payments related to the services have been received by the provider.
However, the process in-between can be confusing for employees who don’t understand medical billing services. For example, proper medical coding must be used during the patient consultation. The patient’s medical chart must be accurate, and any notes properly accounted for.
How Can Medical Billing Companies in California Help My Practice?
A revenue cycle management company can help your medical practice ensure you collect payments from your patients and their insurance providers. Here are a few ways that they may assist:
1. Work with Patients to Gather Insurance Information Ahead of Time
Clients who schedule their visits ahead of time can provide their health insurance information upfront. A medical billing company can ensure that their insurance details are valid and that their coverage does extend to the patient’s upcoming visit.
This screening saves time for the physician’s office, which won’t need to gather the details when the patient arrives. It also provides the doctor with greater certainty that their claim will be accepted.
2. Ensure Accurate Claims Are Submitted
Claims that are missing information will likely be denied by health insurance companies. This denial can result in slower collections that affect the revenue cycle. Medical billing companies in California can assist your practice in ensuring that all claims are submitted according to the procedures set forth by the insurance provider.
3. Provide Software that Automates Coding and Insurance Verification
A medical billing company can provide your office with access to software that automatically ensures that each claim submitted to a health insurance provider has all of the information required.
This software can go a long way to improving the revenue process at your practice. What’s more, you won’t need to teach your staff how to use it — the medical billing company will be able to handle it for you.


Bruce Zirinsky has concentrated his practice in U.S., foreign and cross-border restructurings and bankruptcies for more than 45 years and is recognized as one of the nation’s leading business and commercial litigation lawyers.
In 2018, Mr. Zirinsky was chosen for the second time by The American Lawyer as one of its Dealmakers of the Year for his role as company counsel in the successful chapter 11 reorganization of Republic Airways Holdings Corporation, having previously received the award in 2008 for his role as lead company counsel in the Northwest Airlines Corporation chapter 11 cases. In 2018, Mr. Zirinsky also received an award from M&A Advisor for the Cross-Border Restructuring of Ultrapetrol (Bahamas) Ltd. Mr. Zirinsky is a perennial selection by Best Lawyers of America and Super Lawyers and has received numerous other awards and accolades for his accomplishments in his field of practice.
Mr. Zirinsky’s clients include public and private companies, investment funds, hedge funds, and other investors, as well as banks, financial institutions, and official and ad hoc creditors’ committees. His practice includes both court-supervised and out-of-court restructurings, mergers and acquisitions, complex litigation, and business and other legal strategies, including strategies designed to mitigate the costs and risks of restructurings and to maximize returns to investors.
Over the past four decades Mr. Zirinsky has played a prominent role in dozens of the largest restructurings, and bankruptcies covering a broad cross-section of industries, including financial services, automotive, air transportation, energy and power generation, oil and gas exploration and production, refining, real estate, hospitality, technology, communications, news and entertainment, cinema, shipping and petroleum services, rail, natural resources, and equipment leasing and finance. Representative matters include Bear Stearns Co., Continental Airlines, Northwest Airlines, Mirant Corporation, General Motors, Olympia & York Realty, Cadillac Fairview, Crescent Realty, Extended Stay Hotels, Landsource Corporation, Mirant Corporation, CNBC, North American Car Corporation, Republic Airways, and Ultrapetrol (Bahamas) Ltd.
Mr. Zirinsky graduated from Cornell University in 1969 with a B.S. in Industrial Labor Relations and a J.D. from New York University School of Law in 1972. He is admitted to practice in the State of New York, the United States District Court for the Southern District of New York, the United States Supreme Court, and numerous other federal courts throughout the United States.
Sharon Richardson practices in all areas of domestic and cross-border restructurings of financially distressed companies, representing debtors, lenders, prospective acquirers, investors, and creditors in chapter 11 cases, as well as in cases under chapters 9 and 15, and in restructurings outside formal judicial proceedings. Her representations include some of the largest and most innovative restructurings ever achieved and serve as the benchmarks in business reorganizations.
Ms. Richardson’s company-side lead restructuring engagements span a wide range of industries, including aviation, shipping, automotive, textile, retail, apparel, hospitality, energy, telecommunications, real estate, finance, and manufacturing, on behalf of Fortune 100, Fortune 500, and other companies, such as Republic Airways, Ultrapetrol (Bahamas), General Motors, Xerium Technologies, Security Capital Assurance, Regal Cinemas, Extended Stay Hotels, LandSource Communities, Atkins Nutritionals, WorldCom (MCI), PennCorp Financial Group, Crystal Brands, R.H. Macy & Co., JPS Textile Group, MB Holdings, Eastern Air Lines, Texaco Inc., and the chapter 15 foreign representatives of Hollinger Inc. and Kaupthing Bank.
Ms. Richardson also represents major institutions (which have included Bank of America Merrill Lynch, JPMorgan Chase, The Royal Bank of Scotland, Citibank, N.A., Brookfield Asset Management, General Electric Capital Corporation, 3M, and Odyssey Partners) as debtor-in-possession lenders, secured and unsecured creditors, prospective acquirers, and investors in numerous cases, such as Marco Polo Seatrade, SunCal Companies, Lehman Brothers, Blockbuster, Inc., U.S. Gen, Printing Arts America, Recycling Industries, Kamine/Besicorp Allegany, Taren Holdings, The Plaza Hotel, Telesphere Communications, Elder-Beerman, Cook Inlet Communications, and Southland Corporation. Her representations of official and unofficial committees have included the unsecured creditors’ committee in the Truvo USA and Piece Goods Shops chapter 11 cases and the informal bondholder group in the Homer City Funding chapter 11 case.
Ms. Richardson is editor of the two-volume treatise Reorganizing Failing Businesses (published by the American Bar Association, Section of Business Law) and Restructurings: Extracting Value from a Distressed Enterprise (Euromoney Publications), as well as author of numerous publications and has lectured on current bankruptcy issues.
Ms. Richardson has been recognized on multiple occasions by Super Lawyers, including as one of the top 30 women bankruptcy attorneys in New York and as a leading attorney overall in the New York City metropolitan area. She has served on the drafting committee for the U.S. Bankruptcy Court for the Southern District of New York, responsible for the procedural guidelines adopted for prepackaged chapter 11 cases and was a member of the working group for the development of the court’s electronic case filing system. Ms. Richardson is a member of the American Bar Association, the New York City Bar Association, and the American Bankruptcy Institute.
Ms. Richardson received her B.A. from William Smith College, her M.Ed. from Antioch/New England Graduate School, and her J.D. from Benjamin N. Cardozo School of Law, where she served as managing editor of the Cardozo Law Review. She is admitted to practice in the State of New York and the U.S. District Court for the Southern District of New York.
Gary Ticoll represents institutional investors, public corporations, bondholders, hedge funds, postpetition lenders, and acquirers of distressed assets in complex corporate reorganizations both out of court and in chapter 11. Representations include public corporations and chapter 11 debtors involving domestic, multi-jurisdictional, and cross-border matters across a wide variety of industries including shipping, aviation, telecommunications, automotive, healthcare, finance, and real estate.
Mr. Ticoll’s debtor representations include Republic Airways, Ultrapetrol (Bahamas), Parmalat, Global Crossing, Telewest, and Twinlabs. On the non-debtor side, Mr. Ticoll’s representations include a group of hedge funds in the GM bankruptcy in connection with Nova Scotia bond, a bond investor group in the Rubicon chapter 11 loan, Starwood Capital in Extended Stay, and Square Mile in a number of contentious bankruptcy litigations involving hotels and extended care facilities.
Mr. Ticoll also represented lenders, lessors, and investors in the bankruptcy cases of debtors such as GST Telecommunications, National Steel Corporation, Golden Books Family Entertainment, and Star Telecommunications, and General Motors in the chapter 11 cases of Tower Automotive and Delphi. Mr Ticoll represented the official committee of unsecured creditors in the chapter 11 cases of Mariner Post Acute Network, Inc.
Mr. Ticoll received his M.S. (Computer Science) and B.S. (Mathematics) from McGill University, and LL.B and B.C.L. law degrees from McGill University School of Law. Mr. Ticoll is admitted to practice in the State of New York, the United States District Court for the Southern District of New York, the United States District Court for the Eastern District of New York, the United States District Court for the Eastern District of Michigan, the Second Circuit Court of Appeals, and the First Circuit Court of Appeals.


investing in turnkey rentals
American Anchor Homes is committed to providing you with sustainable real estate investment properties in Cleveland, Ohio. Our goal is to help you create positive cash flow and passive income, while also providing high quality rental homes for hardworking families and tenants. Creating and building relationships is important to us. We'll walk you through every step to ensure a simple, stress free investment process. Our team will manage every aspect of your investment property, so you can truly be hands-off.
- We prefer cash investors, but if you will be using financing, you will need to get pre-approved.
*If you need a lender, we have a network of preferred lenders who specialize in investment loans.
- Select the property you're interested in from our website by submitting an inquiry, our sales team will be in touch within 24 hours.
- We'll send you a contract for the property, which you'll review and send back to us.
- You'll send a deposit (earnest money) to our title company.
- If you wish to arrange home inspections, we will schedule them at this point.
- Closing documents will be reviewed and signed. Once docs are signed, the property is yours!
- We'll then introduce you to our Property Management team.
Not sure if turnkey is for you? Have a question for us?
Send us a message, and we'll get back to you within 24 hours.


Fixed Income Market Update
Please join us at our event on
Wednesday, January 19, 2022 at 6:15 PM
Presented online via GoToMeeting
Access instructions will be emailed to those who register
All eyes are on interest rates as we begin a new year. How quickly might the Federal Reserve raise interest rates and taper its asset purchases, and how much might this dampen the bond markets and markets overall? Are investors’ fears of higher inflation well-founded and which fixed income asset classes are best positioned for gains in 2022?
Join us for exclusive insights from Ellen Safir, founder and Chief Investment Officer of New Century Advisors (NCA), where she is responsible for the firm’s overall investment and business strategies. An early adopter of TIPS, she has helped advance the firm's reputation as an expert in inflation-linked securities. Her expertise includes high-yield and emerging markets as well as traditional fixed income sectors.
Please note that the Chatham House Rule applies – neither the comments of the speaker nor those of other participants are for attribution.
Please register by 5:00 PM ET on Wednesday, Jan 19, 2022 below and provide your name, email address, and the name of your company/employer. Note that there is a limit to the number of participants. Please register early! Conference call details will be provided prior to the call on Wednesday, Jan 19, 2022.


In September, the Federal Reserve raised target U.S. interest rates for the third time in 2018, sending a clear signal that the strong domestic economy continues to chug along. Our read of the data is similar – this is a very healthy economy. Central bankers elsewhere in the world remain accommodating, cajoling growth without being extreme.
The relative performance of global economies lines up with the performance of global markets. In the third quarter, the U.S. market rose 6.7%, international developed markets climbed 2.9%, and emerging markets fell by 0.2%. Year to date through the third quarter, the U.S. market is up 8.1%, international developed markets are down 3.1%, and emerging markets have declined by 11.7%.
We continue to see strong results from most of the businesses we own. The MFAM Global Opportunities Fund advanced 7.1% during the quarter and is up 13.2% for the year. That performance handily outpaces our benchmark, the FTSE Global All Cap, which has risen around 4% for both comparable periods. The fund is nicely ahead of its benchmark not just year to date but also since inception.
Our best performing stock during the quarter was Paycom Software, up 57%. What began as a cloud-based payroll processing firm today offers a full software suite to manage the entire life cycle of an employee, from hiring to departure. The breadth of its product suite, its ease of use, and an effective sales organization have helped Paycom become a winner in the midsize segment of its market. In a recent financial release, the company reported accelerating revenue growth and impressive profitability. Paycom has benefited from a strengthening U.S. employment picture, but it also continues to take market share from upstart and incumbent competitors. It has grown to become a top 10 position in the fund.
Our worst performer this quarter was IPG Photonics, down 29%. Investors were caught off guard when the company reduced sales growth expectations for the remainder of the year, and ongoing tariff and trade issues spooked customers in both China and Europe. About half of the company’s sales are to China, and customers simply didn’t order at the expected rate. However, those orders were delayed, not canceled. The company has been disrupting the laser market for some time, and our holding has been a fantastic winner for the fund. IPG remains the leader in the high-power fiber laser market. Fiber lasers are being increasingly used in machining and industrial applications, since they’re more efficient and precise, require less maintenance, and cost less than traditional lasers. We acknowledge there will be ups and downs, especially given the company’s end markets, but we also take heart in seeing that management continues to prepare for higher volumes by purchasing land and building a new manufacturing facility. We feel confident that future performance will have a positive slope.
During the quarter we sold two long-time holdings: Berkshire Hathaway and Infinera. Warren Buffett’s company sports an impressive amalgamation of businesses, but its crown jewel is its insurance operations. Our decision to sell was simply one of opportunity costs. While we continue to view Berkshire as a low-risk holding, given its diverse operations and remarkable leadership, we felt our return expectations over the next decade were lackluster. Last quarter I wrote: “We manage focused portfolios, and the bar for capital commitment must remain high. When opportunities arise to improve portfolio quality, return potential, and risk exposures with a high level of confidence, we take action.” Selling Berkshire is consistent with that approach.
Infinera’s history in the fund has been eventful, at times being a multibagger and at other times being a drag on our performance. We’ve always liked the secular trends underlying Infinera’s customer demand, since an increasingly connected world with an insatiable appetite for data needs the kind of networking equipment Infinera makes. However, we’ve grown increasingly skeptical of our initial view of the company’s advantage, and we also note its persistent execution issues, along with a strategy that increasingly hinges on acquiring other businesses to try to make things better. In short, we were wrong on our assessment of Infinera’s business quality. We misjudged in each of the four pillars of quality. We consider it a learning experience and will endeavor not to make the same mistake again.
Observing economic data is fine, but it’s a backward-looking view. I believe our fund’s strong performance is the result of a clear focus on the future. The types of businesses we seek out – high-quality, growth-oriented businesses that are addressing large, underserved markets — are ones that should perform admirably in any economic environment. While the performance of their stock prices may diverge temporarily, business fundamentals will be the gravity that brings those prices back in line with reality. With that guiding belief, our focus will remain on analyzing businesses with a long-term mindset, a relentless desire to upgrade our portfolio, and a humility that keeps our decision-making calculated.
The Small-Mid Cap Growth Fund changed its name from The Great America Fund on December 31, 2017.
Note: The Morningstar RatingTM for funds, or ‘star rating’, is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. As of 9/30/2018, the Motley Fool Global Opportunities Fund (Investor shares) was rated in the World Large Stock Funds category, receiving a five-star rating among 739 funds over a three-year period and a four-star rating among 611 funds over a five-year period.
Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10- year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Past performance is no guarantee of future results.


How SSL Encryption Safeguards Online Financial Transactions
In today's digital landscape, the importance of ensuring secure online financial transactions cannot be overstated. As technology evolves, so do the methods employed by cybercriminals to compromise sensitive information, making it crucial for businesses and consumers to prioritize the implementation of robust security measures. One such measure that has become a standard in the industry is SSL encryption.
Understanding SSL Encryption
Secure Socket Layer (SSL) encryption is a cryptographic protocol that establishes a secure connection between a web server and a user's browser. This protocol ensures that the information exchanged during the online transaction remains encrypted and protected from unauthorized access.
The Role of SSL Encryption in Online Financial Transactions
Data Encryption: SSL encryption encrypts data transmitted between the web server and the user's browser, making it virtually impossible for malicious actors to intercept and decipher sensitive information such as credit card details, social security numbers, or banking credentials.
Authentication: SSL certificates are issued by trusted Certificate Authorities (CAs) that verify the identity and legitimacy of the website or organization. This authentication ensures that users are interacting with a trusted entity, reducing the risk of falling victim to phishing scams or visiting fraudulent websites posing as legitimate financial institutions.
Data Integrity: SSL encryption also encompasses data integrity, ensuring that the information exchanged during a transaction remains unaltered. By utilizing hashing algorithms and digital signatures, SSL protocols detect any modifications or tampering attempts, thereby safeguarding the integrity of sensitive data.
Trust and Customer Confidence: Implementing SSL encryption is a clear demonstration of a website owner's commitment to protecting their users' data. Visible SSL indicators such as the padlock icon and "https://" in the URL instill trust and confidence in users, significantly increasing the likelihood of them proceeding with online financial transactions.
SSL Best Practices for Websites
To maximize the effectiveness of SSL encryption for online financial transactions, consider the following best practices:
Obtain a Trusted SSL Certificate: Ensure your SSL certificate is obtained from a reputable Certificate Authority. This ensures that users' browsers recognize and trust your website's SSL encryption.
Keep Certificates Up to Date: Regularly renew and update SSL certificates to avoid any disruptions in security and maintain the trust of your users.
Enable HTTPS for Entire Website: Extend SSL encryption throughout your entire website, not just the transactional areas. This provides a consistent and secure experience for users.
Investigate Extended Validation (EV) Certificates: EV Certificates offer the highest level of authentication and display the company name prominently in the browser's address bar. Consider obtaining an EV Certificate to establish an even greater sense of trust.
In the realm of online financial transactions, SSL encryption plays a pivotal role in establishing a secure environment for businesses and consumers alike. By encrypting data, providing authentication, ensuring data integrity, and building trust, SSL encryption safeguards sensitive information from falling into the wrong hands. Implementing SSL best practices should be a priority for any website processing online financial transactions, helping to create a safe and secure digital landscape for all users.


NSW Owner Builder Home Warranty insurance scheme is an important part of the NSW government consumer protection strategy.
Owner Builder Warranty is designed to provide a safety net (added security measure) to the purchaser of an owner built home or residential construction.
Home Warranty is designed to protect the purchaser (not the Owner Builder), if and when the Owner Builder is unable or unwilling to fulfil their legal obligation to rectify any defective work in an event of death, disappearance or insolvency of contractor/builder/owner-builder.
A Home Warranty Inspection or Owner Builder Inspection is carried out as a final check of works completed by an owner builder as a requirement of home warranty insurance cover. The inspection is to ensure there are no incomplete works or major defects.
From 1 February 2012, home warranty insurance is required to be obtained where the contract price (or value of work) is over $20,000.
We carry out home warranty inspections / Owner Builder Inspections for bathroom renovations, kitchen renovations, additions, extensions, alterations, new homes, subdivisions, duplexes, dual occupancies, units and villa developments.
Once the inspection has been carried out, we compile a Home Warranty inspection report or Owner Builder Warranty Report for you to submit to your insurer.
Please remember if you are selling or intend to sell your property that you were the owner builder or if you have done any renovations or additions under an owner builder permit in the past 6 years. It is a legal requirement to obtain home warranty insurance prior to the sale of the property.
You can visit the warranty insurance fund website for more information.
K-Spec Building Consultants comply with the relevant Australian Standards, AS 4349.0 & AS 4349.1
It is important to note that Home Warranty Inspections are not the same as pre-purchase Building Inspections (see our Pre Purchase inspection)


Ledger.com/start serves as your gateway to beginning your journey into the world of secure cryptocurrency management. In this guide, we'll walk you through the steps to get started with Ledger, ensuring that you can securely store, manage, and transact your digital assets with confidence.
1. Visit Ledger.com/start:
Begin by navigating to ledger.com/start in your web browser. This page serves as the starting point for setting up your Ledger device and creating a new cryptocurrency wallet.
2. Choose Your Ledger Device:
On the ledger.com/start page, you'll find options for different Ledger devices, such as Ledger Nano S, Ledger Nano X, and Ledger Nano Blue. Choose the device that best fits your needs and preferences.
3. Purchase Your Ledger Device:
If you haven't already, you'll need to purchase your Ledger device. You can do this directly from the Ledger website or through authorized retailers.
4. Initialize Your Ledger Device:
Once you've received your Ledger device, follow the instructions provided to initialize it. This typically involves setting a device label, creating a PIN code, and generating a recovery seed phrase.
5. Backup Your Recovery Seed:
During the initialization process, your Ledger device will generate a recovery seed phrase consisting of 24 words. Write down this seed phrase and store it in a safe and secure location offline. Your seed phrase is essential for recovering access to your wallet if your Ledger device is lost, stolen, or damaged.
6. Install Ledger Live:
After initializing your Ledger device, you'll need to install Ledger Live, the companion software application that allows you to manage your cryptocurrency assets. You can download Ledger Live from the Ledger website or through the appropriate app store for your device.
7. Connect Your Ledger Device:
Connect your Ledger device to your computer or mobile device using the provided USB cable. Ensure that your device is powered on and unlocked.
8. Follow On-Screen Instructions:
Once your Ledger device is connected, launch Ledger Live and follow the on-screen instructions to set up your account and link your Ledger device. You may need to install device drivers or firmware updates if prompted.
9. Add Cryptocurrency Accounts:
With your Ledger device connected and initialized, you can now add cryptocurrency accounts to Ledger Live. Navigate to the "Accounts" tab and follow the prompts to add accounts for the cryptocurrencies you wish to manage.
10. Secure Your Accounts:
Set up additional security features within Ledger Live, such as PIN protection, passphrase encryption, and two-factor authentication (2FA), to enhance the security of your accounts.
11. Manage Your Portfolio:
Once your accounts are added, you can use Ledger Live to monitor your cryptocurrency portfolio, view account balances, track transaction history, and execute transactions securely.
By following these steps outlined on ledger.com/start, you can securely set up and manage your cryptocurrency assets with Ledger. With its robust security features, user-friendly interface, and comprehensive cryptocurrency support, Ledger provides you with the tools you need to take control of your digital finances with confidence.


Quitting smoking is a huge accomplishment and you are going to want to reward yourself at some point. The reward aspect will help to motivate and keep your eyes on the future of not smoking. Smoking is an expensive habit and can for some cost them over $2,000 per year. That isn’t including possible medical costs and the cost of lost productivity at work.
The best way to reward yourself after quitting smoking is to calculate how much you spend daily on cigarettes then multiply by 365 to find out the yearly cost. For example; if you smoke a pack a day at $4 each (in actuality it is more like $5.15) you are spending ($4 x 365) $1,460 a year on cigarettes. If you smoke a pack of cigarettes every other day then you are spending approximately $2 a day or $730 year. Think about what you could do with that extra money. You could buy additional food for the family, pay bills, buy a tv, take a trip, join a gym, buy a camera, etc. With the above scenarios, that is $60 to $120 a month that is spent on cigarettes. You know that there are better ways to spend that money!
For many it may be difficult to wait a full year to reward yourself for quitting. A good place to start is the day you quit smoking put what you used to spend daily on smokes into a jar. After the first 30 days take that money and reward yourself. Continue to contribute to your “reward fund” and this time reward yourself at the six month marker. As you can see the rewards get bigger and better.
This is an important step to do when quitting smoking. It helps to keep motivated and reinforces your decision to quit. Take the time the first year to do this because if you let it go you may look back and still wonder where all your money goes. It seems no matter how much money you make a month it always goes fast so plan to reward yourself.


Frontier Title provides personalized service and attention in all aspects of closing real estate transactions.
About Frontier Title Group
Frontier Title provides personalized service and attention in all aspects of closing real estate transactions. From the careful management of escrow funds and the clearance of title issues, to the preparation and closing of your file, we understand the unique needs of each of our clients. You can rely on our dedicated staff to be proactive at all times, avoiding last minute obstacles that could otherwise create unnecessary delays.
Founder, Michael Sexton, has over 30 years of experience as a senior manager for major title insurance underwriters and has overseen and underwritten thousands of real estate transactions. His unique experience and grasp of the market, along with his ability to provide accurate underwriting solutions quickly, gives our customers an edge in this challenging market when every decision is critical. Each office is staffed by managers who are licensed and have a minimum of years of experience in the title insurance business.
Our expert team of title examiners and closers guide real estate agents, buyer and sellers through the closing process. There are never any up-front fees. Customer Service 24 hours is the typical turnaround time for title commitments and in most cases we can provide them in a matter of hours. We do this by utilizing our in-house title search team, thereby providing the highest level of service to our customers.
At Frontier Title Group, security of escrow funds is our highest priority. Our title company is underwritten by Alliant National Title Insurance Company, one of the leading providers of title insurance and related services to the real estate industry. At Frontier Title Group, we utilize the latest anti-fraud software, including positive pay, daily reconciliation of the escrow accounting plus a complete integration with our underwriter to provide maximum security of escrow funds. Our company maintains a $1,000,000 errors and omissions policy, a $50,000 fidelity bond and a $35,000 Surety Bond.
A Winning Combination
With a combination of experience, dedication and ethical practices, Frontier Title Group offers expert underwriting, reliability and quality service. For a quote on your next title order, please contact us at 800-330-5580. We look forward to serving you!


In an unpredictable world, insurance acts as a financial safety net, shielding you and your loved ones from unexpected events. Understanding the diverse range of insurance policies available can empower you to make informed decisions that protect your assets, health, and peace of mind. Here’s an in-depth look at the ten essential insurance policies you should consider:
Health insurance is your ticket to quality healthcare without exorbitant costs. It covers hospitalization, medical treatments, prescription drugs, and preventive care. Having health insurance ensures you can focus on your recovery instead of worrying about medical bills.
Life insurance provides financial support to your family in the event of your demise. It can cover funeral expenses, outstanding debts, mortgages, and even fund your children’s education. Having adequate life insurance ensures your loved ones are financially secure, even if you’re not around.
Auto insurance is mandatory in most places and protects you from financial liabilities in case of accidents. It covers repair costs for your vehicle and any other property damaged in the accident. Additionally, it offers liability coverage, safeguarding you from legal consequences.
Homeowners insurance protects your home and belongings from damage or theft. Renters insurance covers personal property in rental units. Both policies also provide liability protection, which is crucial in case someone is injured while on your property.
Disability insurance ensures you have a source of income if you’re unable to work due to a disability. It covers a portion of your salary, allowing you to maintain your lifestyle and meet financial commitments despite the loss of income.
Travel insurance provides coverage for various travel-related issues such as trip cancellations, medical emergencies, lost luggage, and flight delays. It offers peace of mind during your travels, ensuring you are financially protected against unexpected events.
Long-Term Care Insurance
Long-term care insurance covers the costs of extended healthcare services, including nursing homes and in-home care. It is especially important as regular health insurance plans may not cover these expenses, which can be significant in the long run.
If you own a business, various insurance policies such as property insurance, liability insurance, and workers’ compensation insurance protect your business assets and employees. Business insurance safeguards your venture from unexpected events, allowing it to thrive even during challenging times.
Pet insurance covers veterinary costs for your beloved pets. It ensures that you can provide them with necessary medical care, including surgeries and treatments, without worrying about the financial burden.
Umbrella insurance provides additional liability coverage beyond the limits of your existing policies. It offers an extra layer of protection, guarding your assets and future earnings in case you face a lawsuit or substantial financial liability.
Investing in these essential insurance policies is an investment in your future and the well-being of your loved ones. Carefully assess your needs, consult with insurance experts, and create a robust insurance portfolio tailored to your unique circumstances. By doing so, you are not only securing your present but also building a foundation for a financially stable future.


Senior Manager of Accounting and Administration
As Senior Manager of Accounting and Administration, Morris is responsible for all accounting functions for the association, including financial statements and audits, member billing and recordkeeping, and staff payroll and benefits administration. He also serves as office manager for our Washington, DC headquarters.
Before joining NAFTZ, Morris was a Senior Accountant for National League of Cities in Washington, DC. He has also held accounting positions at the American Society of Civil Engineers in Reston, VA, National Linen Service in Alexandria, VA and PricewaterhouseCoopers in Chicago, IL.
Morris holds a Bachelor of Science degree in Business from Cornell University.


What is BTIC?
Basis Trade at Index Close (BTIC) allows market participants to trade futures at a fixed spread to the reference price of a known benchmark index.
Watch this 4 -min video to learn more about BTIC Bitcoin Futures
How does BTIC work?
BTIC orders and transactions have their own unique tickers, providing market participants price discovery and transparency on the spread between the price of the futures contract and the underlying index throughout the trading day.
For cryptocurrencies, the value of the spread depends on the futures implied financing rate, the time left to contract maturity, and perceived volatility among other factors. The spread can either be negative or positive.
Once the official reference rate is published, the resultant futures of the BTIC transaction are cleared at a price equal to the reference rate and the agreed upon BTIC trade price.
BTIC transactions completed by 4:00 p.m. London time will use that trade date’s Reference Rate to calculate the corresponding futures price while those BTIC transactions completed after 4:00 p.m. London time will be against the next trade date’s Reference Rate.
BTIC Bitcoin Example
At 9:00 a.m. New York time/Eastern Time (ET), a Bitcoin-focused fund manager receives an inflow of $5 million dollars which needs to be allocated to the benchmark CME CF Bitcoin Reference Rate (BRR) for that day.
With Bitcoin futures trading at $60,000 per Bitcoin, the trader calculates that the fair value of the spread between Bitcoin futures and the BRR is plus $100 per Bitcoin. She submits an order to buy 25 Bitcoin futures contracts via BTIC at that basis of plus $100 dollars based on that day’s Bitcoin Reference Rate.
At the same time, a trader on a crypto lending desk realizes he could save money by replacing his short physical Bitcoin position with CME Bitcoin futures. He calculates that he needs to sell those futures at a basis of plus $100 dollars per Bitcoin or higher.
Having sold the futures via BTIC, the crypto brokerage can purchase $5 million dollars’ worth of Bitcoin in the OTC spot market against the BRR for that day to transpose his short physical Bitcoin position to futures. Now the BTIC is complete.
The fund manager was able to expeditiously and efficiently gain exposure to Bitcoin’s price while the crypto lending firm was able to shift their Bitcoin exposure from the physical market to more capital-efficient futures. Shortly after 4:00 p.m. London time, the official BRR level of 60,500 is published. The trade is now settled.
The fund manager buys 25 Bitcoin futures contracts for $60,600 which is a plus one-hundred basis to the BRR level, and the crypto lending desk sells them at the same price.
This illustrates how some crypto market participants may use BTIC, and how the mechanism can provide traders the ability to optimize their holdings between Bitcoin futures and physical Bitcoin.
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This article is intended for educational and informational purposes only and should not be viewed as a solicitation or recommendation of any product, service or trading strategy. It includes content from independent persons or companies that are in no manner affiliated with NinjaTrader Group (NTG) or any of its affiliates. The content and opinions expressed in this article do not necessarily reflect the official policy or position of NinjaTrader or any of its affiliates.


EQUIS Tax LLC is a Massachusetts-based accounting firm specializing in taxation. EQUIS services include tax compliance/preparation, tax planning, tax resolution, audit representation, accounting/bookkeeping, and related professional services for Individuals, Businesses, Estates, Trusts, and Non-Profits.
Located in Lynnfield, Massachusetts, EQUIS serves clients throughout the United States. EQUIS tax accountants, along with their 3rd party affiliates, provide a collaborative team of highly qualified professionals to help clients meet all of their tax, business, estate, legal, and financial planning needs.
Established in 2000, EQUIS is a family practice dedicated to providing a high level of service to its clients, year-round. EQUIS tax accountants are federally licensed with unlimited rights to practice before the Internal Revenue Service in all 50 States, and can represent taxpayers before the IRS worldwide.
Lawrence J. Drinkwater, Jr., EA
Principal & Tax Accountant
Larry Drinkwater, the founder and principal of EQUIS, is a federally licensed Enrolled Agent with more than 40 years of business management, tax, and accounting experience, supporting organizations ranging from small start-ups to Fortune 50 enterprises. Larry specializes in business consultation, and advises EQUIS clients in all areas of Individual, Business, and Estate taxation.
Marc L. Drinkwater, EA
Marc Drinkwater joined EQUIS in 2005 to coordinate the firm’s tax research function. Marc became federally licensed as an Enrolled Agent in 2013. His knowledge and application of tax law, case law, and revenue rulings span a wide range of Individual, Business, and Estate tax topics. Marc collaborates with Larry in support of all EQUIS clients.
Karen A. Drinkwater
Karen Drinkwater joined EQUIS shortly after its formation in 2000 to manage office administration, and to help maximize the firm’s productivity during the tax filing season. All scheduling is coordinated directly through Karen.


Finance Frequently Asked Questions(FAQ)
Beaver Coach Sales understands that your next RV purchase is an investment in your future. We hope the following questions and answers help simplify the process. If you don't see your question below contact us or visit us at our facility in Bend, Oregon.
How much money will I need upfront to purchase an RV?
As a general rule, lenders require a minimum of 10% down in the form of cash, actual trade equity or a combination of both.
What are the longest payment terms for an RV?
Many of our lenders offer terms up to 240 months (20 years) if certain criteria is met.
Do I need good credit to qualify for an RV loan?
A good credit rating will help secure the best available rates and terms, we also partner with lenders that will work with those that may have experienced a bump or two in the road.
Can I trade in my RV if I have a balance or lien on my trade?
Absolutely! In fact, trade-ins with pay-offs represent the bulk of our transactions.
What banks do you use for RV financing?
We partner with several banks such as US Bank, Bank of America, Bank of the West, Huntington Bank and Ally Bank. We also work with local and national credit unions.
What would a monthly RV payment look like?
Our goal is to always secure the lowest and best terms available. Your monthly payment is ultimately based on the amount financed and the final terms approved. We are happy to work with you to achieve the RV of your dreams at a payment that is comfortable.


Since last month
Only one thing stands between you and the generational wealth you desire to create: developing a proven, time-tested plan based on solid information. The wealthiest families and institutions around the globe use this approach every single day. Eighty percent of Americans do not have the information they need to create financial stability or generational wealth. While it may seem like you have to be wealthy to generate even more wealth, nothing can be further from the truth. There are no secrets! In this powerful resource, wealth strategist Douglas A. C. Eze draws on his personal journey from immigrant to financial expert, extensive experience with wealthy clients and decades of research to reveal a practical approach that helps every day, ordinary people create lasting financial legacies.


Current Issue - Do you have $10,000+ overseas?
ONGOING CASE: HSBC India Client (Dr. Arvind Ahuja of Greendale, Wisconsin) Indicted for Filing False Tax Returns and Failing to Report Foreign Bank Account. Click here for Department of Justice, Press Release. (June, 2011)
RECENT INDIA ABROAD PUBLICATION: "The Battle Lines Are Drawn" (Aug 5, 2011). In response to this on-point article, I wrote the following Letter to the Editor. My letter in its entirety is below:
Dear India Abroad Editor – The cover article, "The Battle Lines Are Drawn" (India Abroad, Aug 5, 2011), paints a picture of doom and gloom for U.S. persons who have undisclosed financial interests in overseas financial accounts that exceed USD equivalent of $10,000 in aggregate. The article falsely chooses to suggest that all cases are treated the same. In fact, the opposite is true - each case must be evaluated independently. The article goes on to suggest that U.S. persons have only two choices: 1) apply for the 2011 Offshore Voluntary Disclosure Initiative (OVDI) which is available only through August 31, 2011 or 2) take a "monumental" risk in the form of "harsher penalties and even jail time." This is absolutely not true. While the OVDI is an option, it is not the only option that U.S. persons have.
The OVDI program, at a glance - If accepted into the OVDI program, then taxpayers become compliant while avoiding substantial civil penalties of prior noncompliance of reporting of foreign bank and financial accounts and generally eliminate the risk of criminal prosecution. The OVDI comes with a cost; in lieu of other penalties that may apply, taxpayers may need to pay a penalty equal to 25% of the highest aggregate balance in foreign bank accounts during the period covered by the program, calendar years 2003-2010.
My name is Neeraj L. Shah, and I am based in Rochester, NY. I am a licensed CPA and attorney. We serve clients nationwide. My practice area is focused in estate planning, business law, and tax law. I am very well versed in the subject matter herein. The information in this letter does not constitute legal advice, but is merely an attempt to calm the readers of this publication and inform them that they still have options; options which may include minimal or even no penalties for prior noncompliance of reporting foreign bank and financial accounts. Penalties and interest with respect to unreported income on individual income tax returns are still likely to be assessed.
My message is clear: each case requires an individual assessment of its facts and circumstances (this includes but is not limited to the source of funds, foreign income relative to U.S. adjusted gross income, and your intent). It is to your benefit to consult a professional in the area who can duly provide you with your options. You will have more options today, than you have tomorrow - the August 31, 2011 deadline for applying for the 2011 OVDI is approaching fast. Contrary to what was implied in the article that was published in the Aug 5, 2011 issue, you should consider other options available to you.
Neeraj L. Shah, Esq., MBA, CPA
RECENT DAILY RECORD PUBLICATION: The Daily Record is Western New York’s daily publication with a focus on law, real estate, and finance. In its cover article published on September 6, 2011, “IRS Offshore Deadline is Friday,” Neeraj L. Shah was interviewed:
Q. Do you have over $10,000 overseas?
A. If not disclosed to the IRS, you may be liable, both civilly and criminally. There was a August 31, 2011 deadline that the IRS imposed to apply for a voluntary disclosure to reduce substantial penalties that you may face; but this is no longer available.
Q. Reporting of Foreign Bank and Financial Accounts (FBAR)?
A. A U.S. person that has a financial interest in or signature authority over foreign financial accounts (FFA) must file an FBAR, IRS Form TD F 90-22.1 if the aggregate value of the FFAs exceeds $10,000 at any time during the calendar year. This form must be received by June 30th of the year immediately following the calendar year being reported. The June 30th filing date cannot be extended. The reporting is necessary even if the account produces no taxable income. A U.S. person includes U.S. citizens, U.S. residents; entities, including but not limited to, corporations, partnerships and limited liability companies; and trusts or estates.
Account holders who do not comply with the FBAR reporting requirements may be subject to civil penalties, criminal penalties, or both. Civil penalties for willfully failing to file an FBAR can be as high as the greater of $100,000 or 50% of the total balance of the foreign account per violation. Criminal charges can subject a taxpayer to a prison term and a significant monetary fine. Call our office to ensure that you comply fully with this mandate.
Q. Have you reported Income generated from those foreign accounts?
A. The US government requires you to report all income "from whatever source derived." This included worldwide income. US persons need to be especially aware of their foreign accounts and the income generated therefrom. Taxpayers who are not in compliance can be assessed accuracy-related penalties or worse, fraud-related penalties.
Q. The IRS 2011 Offshore Voluntary Disclosure Initiative (OVDI) - NOW EXPIRED
A. The IRS is offering people with undisclosed income from offshore accounts an opportunity to participate in a new, voluntary disclosure initiative in order to get current on their tax returns. The 2011 Offshore Voluntary Disclosure Initiative (OVDI) will be available only through Aug. 31, 2011. Calendar years 2003 through 2010 in which a taxpayer has undisclosed foreign accounts are included in the 2011 OVDI disclosure period.
Taxpayers with undisclosed foreign accounts or entities may want to consider applying for the voluntary disclosure. It is one way that U.S. persons can become compliant, avoid substantial civil penalties and generally eliminate the risk of criminal prosecution. It is important to note that taxpayers who do not submit a voluntary disclosure may still have other viable options available to them, or run the risk of detection by the IRS and the imposition of substantial penalties, including the fraud penalty and foreign information return penalties, and an increased risk of criminal prosecution.
Q. Is there anything I can do considering that the OVDI option is now expired?
A. Yes! There are several options available to become compliant and minimize your risk of civil penalties and criminal prosecution. There is still time to put yourself in a better position. You need to be proactive, and address the situation instead of remaining passive. It is to your benefit to contact a qualified professional who understands both the tax issues and the legal implications. Neeraj L. Shah is one of very few that is licensed as an attorney and a CPA, as well. Our office is in Rochester, NY, and we work with clients nationwide to solve their legal and tax issues! This procedure takes time; it is imperative that clients wishing to engage our firm act now. Call us today!
Q. Can I do anything about undisclosed funds overseas?
A. Neeraj L. Shah is a licensed CPA and attorney. He is one of few that understands both the tax laws and legal issues. You may want to consult our office to discuss the fall-out of this new regulation. Remember, in addition to properly reporting your funds to the government, it may be necessary to amend prior income tax returns, file gift tax returns, and comply with other requirements. Don’t miss a step, call our office today and schedule your appointment.
Where is Your Refund?
DISCLAIMER: This website is advertising material. The choice of a lawyer is an important decision and should not be based solely upon advertisements. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. You are invited to contact the office by phone, letters or electronic mail. Contacting the office does not create an attorney-client relationship. Please do not send any confidential information to the office until an attorney-client relationship has been established in writing. Information on this website may include hypertext links or pointers to information ceated and maintained by other public and private organizations and persons. We provide these links and pointers solely for our users' information and convenience. These references are not intended to reflect the opinion of NLS Financial Solutions nor NLS Legal Solutions, or its owners and employees. Such references are not an official or personal endorsement of any product, person or service.
KEYWORDS: Neeraj Shah, Neeraj L. Shah, Neeraj, CPA, C.P.A., MBA, M.B.A., J.D., Esq., attorney, tax, law, estate planning, financial, legal, Rochester, Gates, Penfield, solutions, tax preparation, tax prep, rochester tax preparation, rochester tax prep, gates tax, penfield tax, rochester tax, 14526, 14606


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Three types of taxes depending on the product category.
Full tax details on the bills
Category wise, Product wise, Staff wise, Day Wise, Month Wise and Vendor wise sales management program.
Fixed size Computer generated barcode number printable on any laser printer.
More than one firms (upto 10) in one database.
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Single printer for printing bills and barcode stickers.
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Hidden product to exclude it from the normal view of the items and bills.
Item wise, Category Wise and Vendor wise purchase management.
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Membership in the Coral Gables Democratic Club (CG Dems) is open to all registered Democrats. Membership dues provide the primary source of revenue needed for CG Dems to achieve our mission: to maximize Democratic voter turnout countywide!
We help increase voter turnout by providing educational and informational meetings featuring Democratic candidates and experts on important Democratic issues; sponsoring targeted precinct canvasses in collaboration with other Democratic groups; funding postcard projects; and engaging in voter registration, vote-by-mail sign up and other impactful Get Out the Vote activities. CG Dems also disseminates important information on other Democratic Club, Caucus and partner events and activities, as well as items of interest specific to the Coral Gables Democratic community. Becoming a member enables you to elect and/or become a member of the CG Dems Club board of directors. CG Dems members receive discounts on CG Dems merchandise and are guests at the Members Only Annual Meeting and Holiday Party in December.
Until September 15, 2023, dues are only $40 for the sixteen months from September 2023 to December 2024. This will go up to $50 on September 16th. Dues can be paid with a credit card by filling out the info below. Membership dues can also be paid for with cash or check sent to Treasurer Julie Samkoff at 4251 Salzedo Street, PH4, Coral Gables, FL 33134.
If you want to make a one-time or monthly donation, which is also needed, head here instead.


PinIt is offered based on a per-user, annual subscription, with discount tiers based on the number of users. Prices exclude VAT.
|Number of users||Monthly costs per user||Annual costs per user|
|1 – 100||€5 / $5||€60/ $60|
|101 – 250||€4 / $4||€48 / $48|
|Enterprise / On-Premise||Contact us||Contact us|
With the free version of PinIt, you get access to all functionality for 5 users.
To purchase additional user subscriptions contact us.


How to Pitch Like a Pro
You’ve done all the hard work of creating and founding your exciting new venture. But when it comes to sparking investor interest, are you struggling to capture their hearts and minds? Take a look at our top tips for pitching like a pro.
Be a Storyteller
Humans are natural storytelling beings. It allows us to convey information in a personal, attention-grabbing way that your audience will be sure to remember. Investors often hear many iterations of the same tired pitch formula, so standing out from the crowd takes a little creativity and forethought. Aim to tell the story of your startup – your initial idea, some challenges you’ve overcome… the sky’s the limit.
Mind the Time
As a rule of thumb, keep it short and punchy. If you’re promising only to take a certain amount of minutes, take a minute less. Distill your ideas into a concise set of points that you can cover fully in the time you’ve specified – don’t rush your ideas or labour the point and run out of time.
If you’re using slides, don’t get stuck on one for more than a couple of minutes; this will give your presentation a sense of movement that will keep your viewers engaged. Respect for investor’s time will show your ability to respect their potential funding. It’s a sign of reliability and will provide a solid first impression, which is one of the main goals of any pitch!
Get to the Point
It might seem obvious, but be sure to cover the basics. What is your product or service? What makes it unique? Who is your target audience? How will you bring in customers? What is your revenue model?
A flashy pitch that leaves investors scratching their heads about one of these core questions is a guaranteed flop. Back these up with data and paint a picture of your plan for your investors, which should include solid digital marketing tactics.
Practice Makes Perfect
Be sure to practice not only your pitch, but also aim to rehearse some convincing answers to the more obvious (and tougher) questions that potential investors might pose. When investors are taking the time to ask you more about your startup, it’s often a good sign – so you’ll want to make sure you don’t fumble the opportunity when it arises.
Mention an Exit Strategy
It’s harsh, it’s dry, but many pitches fail to answer an underlying question from potential investors – is this investment going to give me significant returns in a short amount of time? While it’s often seen as negative to even ponder an exit for your startup, investors are pragmatic people.
Presenting them with your exit strategy – for example, an IPO, acquisition or licensing – will boost the attractiveness of investing in your company by reducing apparent risk. It’s also showing that their investment will net them potentially big returns; far more than just a cut of your (often very theoretical) future revenue stream. It’s a win-win.


by: The Great Canadian Roof Doctor November 13, 2017
Strata Unit owners expecting to move in the next few years, often have no desire to see their roofs “Weatherproofed” (extending their lifespan by cleaning, and then sealing them). They don’t want to pay a related strata fee increase that would only benefit the other remaining Unit owners. They just want their roof to last until after they have moved.
Until recently, future strata financial obligations could be substantially hidden … and conflict on the use of funds (strata interests versus individual Unit owner interests) was common. For several years now, the BC Strata Property Act and Regulations have required a significant move to transparency through the introduction of the Act’s “Depreciation Report” for stratas. In this report, stratas spell out their expense expectations for the next 30 years for paving, windows, roofing, and other anticipated major common property costs, that normally occur less often than once per year.
Of note is that potential Unit purchasers now have full access to this report through their real estate agents, and can see the strata’s expected future roof replacement costs (and timing). They will also see the projected value of the strata’s “Contingency Fund” (funded by the regular strata fees), which is the sole source of funding for these expenses. Because the fund cannot borrow, the 30 year projection of Cash Reserves can’t drop below zero. If you need a new roof, and the fund isn’t able to cover it, then the cash WILL come from the Unit owners as a “Special Levy” [SL] in the year required. This is not negotiable. The amount of that estimated future SL, is also shown in the Depreciation Report.
If your roof needs replacing 10 years from now, and the report shows a required SL of $5,000 (or whatever) per Unit, then you should expect your Unit’s market value for resale to drop by at least that amount. If buyers think of SL’s as poor management, or as a predictor of an increase in monthly fees to happen soon, then expect your value to drop even more. You don’t normally want a planned SL in the Depreciation Report.
Although the Weatherproofing savings, and roof life extension, will remove the need for a roofing related SL, there could still be some concern that Weatherproofing will bring with it, a NEW additional cost! It’s a reasonable expectation; but …
Even if the originally planned re-roofing had only been funded at half of its required rate (not uncommon in BC I’m told), the cost to Weatherproof will still be less than these currently allocated funds, and the cost can be paid from that re-roofing allocation. No new funds will be required! The roofing portion of the monthly strata fee can remain the same, and the roofing allotment that remains in the fund will continue to grow at its current rate. The reduced annualized roofing costs due to extending the life of the roof, will allow some of the roofing portion of the fee to be applied to other Contingency Report items that might be under-funded.
With one or more re-roofings now being skipped, lower ongoing roofing costs, the removal of at least one roofing related Special Levy, and no related strata fee increase required … Unit market values will now increase to above those of other stratas that are otherwise equivalent. Unit owners leaving soon will get treated fairly (and get a benefit too), and Unit owners that remain, will continue to benefit each year … on into the future.
Bob Cassady, P.Eng.
District Sales Manager
778.992.1922 – direct Comox Valley line
1.888.677.6310 – toll free


We’re Moving and Expanding!
J. Uno & Associates is pleased to announce that as part of our recent growth in cost estimating services, as well as the addition of construction management services, we will be moving to new offices effective May 22, 2012. Please note that our office will be closed during our relocation period from May 18-21.
Our new address will be as follows (please also note my new email address):
We are excited to be expanding our staff of both cost estimators and construction managers, and we invite you to come and visit our new space the next time you’re in the area. Thank you for your continued support, and we look forward to working on many more successful projects together.
Joseph Uno, LEED AP BD+C


Please note that as of May 10, 2016 the Bank of Moscow will be reorganised following the merger with VTB Bank.
We have ensured that the best of services offered by the Bank of Moscow will remain available to you after the merger. VTB Bank will honour all obligations previously entered into by the Bank of Moscow, and will provide you with the highest level of customer service.
For your convenience, bank account numbers opened with the Bank of Moscow will not change after the merger. All products and services previously provided by the bank will continue to operate on the same terms and conditions. There is no need to renew your existing agreements with the bank.
The names of VTB branches that replace former Bank of Moscow offices, current account numbers and Bank Identifier Codes can be found here. Our departments will continue to operate at the same locations and in the usual mode, just under the VTB Bank of Moscow brand.
Throughout the reorganisation period, our 24/7 customer support centres will be happy to provide you with any assistance you might require.
For more information, please call +7 (495) 925-80-00 (for Moscow)
We are looking forward to welcoming you at your local branch!


To make this show an unqualified success, we will be requiring the assistance of many volunteers on all days from Tuesday 11th June until Sunday 16th June 2019. We are now calling for a commitment from the Philatelic community in the form of volunteers.
Click here to download a Form to offer your services as a Volunteer.
All of our volunteers up to and including 85 years of age are covered by death and accident insurance through the Australian Philatelic Federation’s Voluntary Workers’ Cover, the main features of which are shown below. To ensure that you are covered by this policy it is most important that you sign in upon arrival and sign out on departure.
Therefore, if you are accepted as a volunteer for the exhibition, it is essential to ensure that on each day of attendance at the exhibition venue, you sign the attendance register upon your arrival, showing the date plus time of arrival. Don’t forget to similarly sign out when leaving for the day, showing the time of departure. This register will be available at the Organising Committee table.
An Australia-wide policy covering all voluntary workers of the APF, affiliated State & Territory Councils and their affiliated Clubs & Societies was renewed on 27th March 2019. At this stage, the annual premium is being centrally funded by the APF. All State councils have a copy of this policy.
Some details of this new policy are –
* Scope of Cover - Whilst engaged in voluntary work authorised by and under the control of the Insured including direct uninterrupted travel to and from such voluntary work.
* Age Limit - 12 to 85 years.
* Waiting period (deferral) - 7 days.
* Death and Capital Benefits $ 50,000
* Maximum payable for Insured Persons aged under 19 $ 10,000
* Maximum payable for Insured Persons aged 81 to 85 $ 10,000
Weekly Accident Benefit -
* 85% of earnings up to $ 500
* Domestic Help Benefit $ 500, 85% Expense Limitation, 26 Weeks Benefit Period
* Non Medicare Medical Expenses $ 1,000, Expense Limitation 85%, $50 basic excess
* Broken / Fractured Bones Benefits $ 2,000
* Accidental HIV Infection Lump Sum Benefit $ 10,000
* Childcare Benefit $ 5,000
* Coma Benefit $ 3,000
* Daily Benefit $ 100, 30 Days Benefit Period
* Driver Services Benefit $ 1,000
* Family Accommodation and Transport Expenses Benefit $ 2,000
* Financial Advice Benefit $ 2,500
* Home and Vehicle Modification Benefit $ 5,000, 85% Expense Limitation
* Injury Assistance Expenses Benefit $ 500
* Partner Employment Training Benefit $ 5,000
* Retraining and Rehabilitation Expenses Benefit $ 5,000
* Student Tutorial Benefit $ 500, 85% Expense Limitation, 26 Weeks Benefit Period
* Unexpired Membership Benefit $ 500
* Minimum Age Limit (sub-limits may apply) 12
BENEFIT PERIOD, FOR INCOME EARNERS ONLY:
Benefit Period 104 Weeks
60 - 64 years 52 Weeks
65 - 70 years 26 Weeks
70 - 74 years 6 Weeks
75 - 79 years Nil
The above policy is valid until 20th March 2020. If required, a full copy of this cover can be obtained from PHILAS or the Public Relations Officer.


by Spencer Suk
It is pretty far-fetched to talk about LeBron James suiting up in a Clippers uniform next year. The Clippers already have around $70 million committed to their roster for the 2014-15 season. Furthermore, word around the league is that Blake Griffin is “untouchable,” meaning the Clippers will have to find a way to unload DeAndre Jordan’s contract along with some combination of JJ Redick, Jamal Crawford, Jared Dudley, and Matt Barnes in order to offer James the type of money he will command in free agency. While Jordan has blossomed into one of the more desirable centers in the league, none of those other players will be easy to trade (except for Dudley… who is downright untradeable at this point).
But what if LeBron James was willing to sign for the veteran’s minimum of $1,448,490? I know what you’re thinking: “It’s rumored that LeBron wants the max. So why in the world would he sign the veteran’s minimum?”
The simple answer: endorsements.
To get a better idea of how James makes his money, we will compare his salary to that of Los Angeles Lakers star Kobe Bryant; endorsement estimates were found on Forbes. The following graph shows James and Bryant’s NBA salaries since LeBron entered the league.
Bryant clearly amassed more money in this time frame, as he was already on a veteran’s maximum contract while James was only beginning his rookie deal; Bryant piled up $233,481,822 from 2004-14 while James earned $129,155,913. But now let’s take a look at the endorsement money.
James is a marketing machine, earning more endorsement money than Kobe every year since he entered the league. In total, James has accumulated $326,386,893 in endorsement money since 2004, while Bryant has made $255,600,000. Overall, Bryant and James have earned $489,998,082 and $455,542,806 respectively in this time span.
While James’ endorsement money has exploded (especially in the last couple of years), the world’s best basketball player could possibly make even more per year by signing a veteran’s minimum with the Clippers for three reasons:
I. TV Market Size
It is a common misconception that Miami is a big TV market. According to Nielsen Television Market Estimates, Miami isn't much bigger than Cleveland (it is about 1.12X bigger than Cleveland).
LeBron James’ market value appeared to level off in Cleveland, as his endorsement salary started to stagnate from 2008-2010, only growing from $28,000,000 to $30,000,000 after doubling his endorsement salary from 2004-2008. Interestingly enough, James’ endorsement money only increased to $33,000,000 through his first two seasons in Miami. In other words, his endorsement salary in Miami was 1.1x what it was in Cleveland after two years (we will get to his last two years in Miami in the next section). But this makes sense, considering Miami is about 1.12x as big as Cleveland.
Now consider the fact that Los Angeles is 3.4x as big as Miami in market size. While it is unrealistic to expect LeBron James’ endorsements to more than triple with the levels they are at, James would only need his endorsement salary (of $53,000,000) to increase by 1.38x to cancel out the financial losses of not signing a maximum contract.
II. Impact of Winning Championships
In the past two seasons, LeBron James’ endorsement salary has grown from $33,000,000 to $53,000,000 annually. While some of this could be attributed to his relocation from Cleveland to Miami, it seems that the majority of the growth comes from his two championships. In 2013 (the year after James’ first ship), LeBron earned $42,000,000 in endorsements; in 2014 (the year after his second ship), his endorsement salary rose by yet another $11,000,000.
James hasn’t experienced this kind of a year-over-year endorsement revenue growth since 2005-2006 (when his endorsement salary only rose $5,398,560). This recent growth suggests a very high correlation between endorsement revenue and winning it all.
III. Roster Fit
The Clippers are currently the best basketball team in Staples Center. Their core of Chris Paul, Blake Griffin, and DeAndre Jordan, can rival almost any other team in terms of talent. However, one of their biggest weaknesses is a lack of a strong wing presence at the shooting guard and small forward positions.
The Clippers’ leading win sharer on the wing was Jamal Crawford with 5.3 win shares. While this isn’t admirable, it isn’t nearly good enough to win a championship. For championship teams since 2000-01, the average win share for the best wing on the team is 11.06. In fact, only one team has won the championship with their leading wing producing less than Crawford’s 5.3 wins:
So how does LeBron James fit into this puzzle for the Clippers? He is arguably the greatest small forward to ever play the game and contributed 15.9 win shares last season, which was the second highest in the league.
While it seems ridiculous for LeBron James to sign for the veteran’s minimum, it could be worth it for the King to rule LA.


Make a Donation
If you’d like to support the mission of Healing Companions, Inc., please send a check or money order to:
Healing Companions, Inc.
ATTN: Jane Miller, LISW, IAABC-CDBC & AABP-CDBC
7 North Main Street Suite 121
Oberlin, OHIO 44074
Healing Companions, Inc. is a tax exempt organization pursuant to 501(c)(3) of the Internal Revenue Code allowing for tax deductible donations. Approval was made by the IRS on February 6, 2013.
The Umaya Fund
Healing Companions is dedicated to Umaya. She was the catalyst and inspiration in discovering my life’s work and passion. This book is a tribute to Umaya and all the dogs that have changed our lives with unconditional love and commitment. Thanks Umaya, for leading the way.
A portion of the proceeds from Healing Companions will be donated to the “Umaya Fund,” which was established to help cover the costs of health care for assistance dogs for those without financial resources at Lakewood Animal Hospital in Lakewood, Ohio. Donations to the Umaya fund may be sent to:
Lakewood Animal Hospital
ATTN: The Umaya Fund
14587 Madison Ave.
Lakewood, Ohio 44107
- Healing Companions “Mariel Hemingway Fundraiser”
- Story by Art Thomas/Photographs by Robert Muller
- Oberlin company makes a difference with Healing Companions
- Article by Jon Behm in The Morning Journal, 31 March 2013
- Mariel Hemingway Keynote Speaker for Healing Companions, Inc. Fundraiser
- We are honored to announce that Hemingway will be the keynote speaker at a fundraiser for Healing Companions, Inc. on April 8, 2013 at 5:00 pm at the Riverview Room, Ritz Carlton,Tower City, Cleveland, Ohio.
- Jane to speak at Mental Health America 2013 Annual Conference
08 Jun 2013 10:15 AM
For the Media
For media inquiries and other publicity matters, please contact Warwick Associates.
Jane Miller, LISW, IAABC-CDBC & AABP- CDBC
Follow Jane on Twitter at @janemillerdogs.


Accenture, Microsoft Team Up on Blockchain-Based Digital ID Network
Blockchain, first developed as a public ledger of all transactions in the digital currency bitcoin, is increasingly being used to securely track data in other fields.
"Without an identity you can't access education, financial services, healthcare, you name it. You are disenfranchised and marginalized from society," David Treat, a managing director in Accenture's financial services practice, said in an interview.
"Having a digital identity is a basic human right."


GENERGAL INSURANCE COVERAGE
Although not covered under Medical Services Plan of BC, many insurance companies offer substantial reimbursement for counselling services with BCACC Registered Clinical Counsellors (RCC). Please look into your extended health benefits through your school, workplace, or other agencies. A receipt will be provided after each payment for your insurance reimbursement. With the exceptions on ICBC claimant and Victim Service clients, you are solely responsible to seek reimbursement from your insurer unless a third party has taken responsibility for payment. Counselling fees are also income tax deductible as medical expenses. Ask CRA or your tax preparation expert for details and conditions.
WHAT TO DO IF COUNSELLING IS NOT COVERED?
If you find that RCC service is not listed under your healthcare benefit, I strongly encourage you to discuss this with your Human Resource Department or third party insurance company. This adjustment is not difficult to do and would only benefit both you and them. Please contact me for more tips on how to get yourself covered and a sample insurance policy adjustment letter.
You may be eligible for pre-approved funding for psychological counselling if you have been in a motor accident and have an open claim with ICBC. Under the Part VII ICBC Policy, ICBC is required by law (The Regulations To The Insurance Vehicle Act) to pay all reasonable expenses the insured incurred as a result of the injury for necessary medical and recovery services. In order to claim clinical counselling benefits, you must obtain a note from your family physician or rehab team recommending counselling treatment and provide this note to your ICBC adjuster. You will also need to provide me with your ICBC claim number and adjuster’s contact information. Feel free to contact me to find out more about this option.
ICBC Contact Info: email@example.com
Lower Mainland: 604-520-8222 Rest of BC, Canada, and US: 1-800-910-4222
DIRECTION-TO-PAY OPTION FOR CLIENT OF LAWYER
This option allows lawyer clients to get the necessary rehabilitation service that they need after a motor accident. I accept direction-to-pay clients for cases that have a minimum of 2 years in standing already. An annual interest of 16% for service fee is applicable. Upon consulting with your lawyer about this option, you would need to provide the following to me: 1) ICBC claim number; 2) Referral from physician; 3) Signed direction-to-pay form.
CRIME VICTIM ASSISTANCE PROGRAM
If you are a victim of crime, a family member of the victim, or a witness, you may apply to the BC Crime Victim Assistance Program for counselling service coverage.
Toll free in B.C. 24/7 confidential and multilingual line VictimLink BC: 1-800-563-0808


The Banking Choice Awards celebrate the financial institutions that regularly go above and beyond to serve their customers. There are countless ways to gauge outstanding performance, but who better to ask than the customers themselves?
The Banking Choice Awards recognize banks and credit unions that receive high marks from their customers and members in four categories: Customer Service, Technology, Contribution to the Community, and Overall Quality. More than 30,000 individuals were surveyed, yielding more than 2.5 million data points. For more information on how results were determined, visit the About section.
Banking Choice Awards – in three separate events – will honor the top three institutions in each category from multiple regions of Massachusetts and Connecticut. Click the links below for a complete list of finalists and more details on each event, including information on purchasing tickets and sponsorship opportunities.
Your customers can choose to bank wherever they want. Find out who does it best at The Banking Choice Awards.


Types of Alimony
When married couples divorce, alimony (or support payments to the spouse) are mandated by family and divorce courts. At the Law Office of Silverman, Mack & Associates, our experienced divorce lawyers can help you understand everything there is to know about alimony in Florida, the varying types and eligibility requirements.
Alimony Attorneys: Types of Florida Alimony
Alimony is a form of regular payments to a former spouse that is mandated by divorce courts to help spouses transition into society as a newly single person. Courts usually require the spouse with the higher income/assets to make alimony payments to the spouse who makes the lesser amount to assist with the transitioning after-effects of divorce. However, many factors are taken into account when determining alimony. For example, divorce courts may consider:
- The income and expenditures of both members before and during the marriage
- All sources of income
- The ability of the spouse to pay
- Contributions of both spouses to the marriage, including children and general support of businesses and educational expenses
- The duration of the marriage
- The vocational skills and talents of each spouse
- The ability of each spouse to return to the workforce and be successful
In essence, divorce courts mandate alimony to assist with supporting a spouse after a divorce. If, for example, a spouse is unable to maintain the quality of life that he/she had before the divorce, then alimony may be required. To understand more about alimony and/or spousal support, you should contact an experienced divorce attorney.
There are many different types of alimony/spousal support in the state of Florida. The type of alimony that is mandated by the court is usually dependent on the circumstances of the marriage, the terms of the divorce and the factors listed above.
Modifiable vs. Non-Modifiable Alimony
Family and divorce courts have the authority to assign alimony that is either modifiable or nonmodifiable. When alimony is modifiable, it can be adjusted and updated throughout the years, depending on the receiving spouse’s needs and the paying spouse’s change of income. Courts must approve changes in alimony payments. Meanwhile, mandated alimony that is nonmodifiable refer to payments that cannot be adapted. In other words, the amount of funds disbursed and the time span for such disbursement is considered binding and permanent. Nothing can be done to alter the contract. Thus, it is best to have a divorce lawyer in Gainesville, FL, to help you understand your rights as a paying and/or receiving spouse, as well as the terms and agreements that are required of both spouses upon entering alimony arrangements.
Bridge-the-Gap alimony is a type of spousal payment that is made temporarily to help a spouse get back on his/her feet. Lasting usually no more than two years, Bridge-the-Gap alimony helps spouses to do just that: bridge the gap. For example, spouses who are selling their house may receive money to cover the cost of renting fees. Or, if spouses are receiving training and/or rehabilitation services to return to the workforce, alimony can be mandated to assist with the spouse’s basic needs and expenses. Once the spouse demonstrates ability to provide for himself/herself, the payments typically cease.
- This type of alimony cannot be modified.
Durational alimony is directly correlated to the duration of the marriage before spouses enter a divorce. Usually, durational alimony is mandated to spouses who may not qualify for other forms of alimony. Durational alimony is assigned for the exact amount of years of the marriage. Therefore, if a marriage continued for five years, a spouse may be ineligible to receive alimony payments for more than 5 years.
Permanent alimony refers to alimony that is made to a spouse for the full duration of his/her life. Permanent alimony is typically mandated to spouses who have young children, are unable to enter the workforce and/or experienced cruel and unusual circumstances during the scope of the marriage.
Rehabilitative alimony is strictly for spouses who are receiving training and/or other educational purposes. In order to be eligible for rehabilitative alimony, spouses must submit detailed accounts of how the money will be spent and the time needed for the training.
Temporary alimony is a form of alimony that requires the least amount of time. Known as “pendente lite,” temporary alimony provides financial support to the spouse while the divorce is pending. Once the terms and conditions of the divorce is finalized, such payments cease.
Modification of Alimony
As is in the case with all legal contracts, the stipulations of modifying alimony should be outlined in the agreement. The document should indicate how alimony will be adjusted, including the time and the amount of funds disbursed. Typically, modification of alimony requires a substantial change in financial circumstances of either spouse. A change in alimony may also be granted of a spouse who is on rehabilitative alimony fails to adhere to the policies.
Termination of Alimony
Significant changes in income (and/or expenses), death, failure to comply with divorce and/or rehabilitative terms, and/or new marriages may have an effect on alimony. Such factors can influence a court to terminate the alimony.
For more information on the types of alimony in the state of Florida, you should contact an experienced family law attorney.
Divorce Lawyers in Gainesville, FL
Divorce lawyers are extremely beneficial during divorces. Not only can they help spouses understand large percentages and complex legalise, but they can provide general support and guidance on the divorce process. Many times, alimony is not granted to spouses because there may not be sufficient evidence that suggests that such form of spousal support is needed. Other times, spouses may be unfairly mandated to pay a significant amount of money to their former spouse. Whether you are the paying or the receiving spouse, experienced divorce lawyers at the Law Office of Silverman, Mack & Associates
can help you understand alimony. Our family law firm strives to do what’s best for every Florida family.
Contact us today for a free initial consultation.