This document provides guidance for Mi'kmaq in Nova Scotia on writing wills. It explains that a will allows a person to dictate how their property will be distributed after death. The guide outlines the basic requirements for a valid will under the Indian Act and provides information on naming executors, dividing assets, providing for dependents, and storing and updating wills. It also discusses alternatives to writing your own will, such as hiring a lawyer. The intended audience is Status Indians living on reserve lands in Nova Scotia.
This document is a guide for Mi'kmaq people in Nova Scotia on settling estates. It explains the role of an executor in settling an estate according to a will or intestacy. It provides guidance on gathering assets, locating beneficiaries, paying debts and taxes, and distributing the estate. It notes the role of Indigenous and Northern Affairs Canada and recommends seeking legal assistance when needed.
This report from the International Labour Organization discusses ongoing challenges regarding equality and non-discrimination in employment. It notes that the global economic crisis has disproportionately impacted migrants and women workers. While some countries implemented stimulus packages to address the crisis, more work remains to be done to prevent harmful effects and monitor policies' impacts. The report also examines trends in discrimination based on characteristics like sex, race, nationality, and religion. It provides several country examples and discusses policies and measures that have been adopted or could still be improved to better promote equality of opportunity and treatment in the world of work.
- The document is a letter inviting shareholders to Ameriprise Financial's 2008 annual meeting on April 23, 2008 in Minneapolis, Minnesota.
- It provides details on the meeting location, items of business to be voted on (election of directors, ratification of auditors), and how shareholders can vote or change their vote.
- It encourages shareholders to attend and discuss business with the Chairman and CEO, James Cracchiolo.
This document provides an overview of the new and updated geographic data available in Esri Data & Maps 10. It includes updated census and demographic information for the United States as well as transportation, hydrography, landmarks and other map layers for the US, Canada, Europe and the world. New data includes 2011 census boundaries and population estimates, and 2010 urbanized areas and place points. The document describes the formats and tools included to access and use the geographic data.
The document is a notice for the annual meeting of stockholders of Regions Financial Corporation to be held on April 16, 2009. It invites stockholders to attend and informs them that matters to be voted on include electing directors, a nonbinding vote on executive compensation, ratifying the appointment of the independent auditors, and a stockholder proposal regarding political contributions reporting. Stockholders are urged to vote by proxy whether or not they attend and the deadline for being eligible to vote is February 17, 2009.
This document is a notice for the 2009 Annual Meeting of Shareholders of Becton, Dickinson and Company (BD) to be held on February 3, 2009. It invites shareholders to attend and provides an agenda of matters to be voted on, including the election of directors, ratification of the independent accounting firm, and several proposals related to corporate governance and executive compensation. Shareholders are encouraged to vote by proxy in advance of the meeting.
This document is a guide for Mi'kmaq people in Nova Scotia on settling estates. It explains the role of an executor in settling an estate according to a will or intestacy. It provides guidance on gathering assets, locating beneficiaries, paying debts and taxes, and distributing the estate. It notes the role of Indigenous and Northern Affairs Canada and recommends seeking legal assistance when needed.
This report from the International Labour Organization discusses ongoing challenges regarding equality and non-discrimination in employment. It notes that the global economic crisis has disproportionately impacted migrants and women workers. While some countries implemented stimulus packages to address the crisis, more work remains to be done to prevent harmful effects and monitor policies' impacts. The report also examines trends in discrimination based on characteristics like sex, race, nationality, and religion. It provides several country examples and discusses policies and measures that have been adopted or could still be improved to better promote equality of opportunity and treatment in the world of work.
- The document is a letter inviting shareholders to Ameriprise Financial's 2008 annual meeting on April 23, 2008 in Minneapolis, Minnesota.
- It provides details on the meeting location, items of business to be voted on (election of directors, ratification of auditors), and how shareholders can vote or change their vote.
- It encourages shareholders to attend and discuss business with the Chairman and CEO, James Cracchiolo.
This document provides an overview of the new and updated geographic data available in Esri Data & Maps 10. It includes updated census and demographic information for the United States as well as transportation, hydrography, landmarks and other map layers for the US, Canada, Europe and the world. New data includes 2011 census boundaries and population estimates, and 2010 urbanized areas and place points. The document describes the formats and tools included to access and use the geographic data.
The document is a notice for the annual meeting of stockholders of Regions Financial Corporation to be held on April 16, 2009. It invites stockholders to attend and informs them that matters to be voted on include electing directors, a nonbinding vote on executive compensation, ratifying the appointment of the independent auditors, and a stockholder proposal regarding political contributions reporting. Stockholders are urged to vote by proxy whether or not they attend and the deadline for being eligible to vote is February 17, 2009.
This document is a notice for the 2009 Annual Meeting of Shareholders of Becton, Dickinson and Company (BD) to be held on February 3, 2009. It invites shareholders to attend and provides an agenda of matters to be voted on, including the election of directors, ratification of the independent accounting firm, and several proposals related to corporate governance and executive compensation. Shareholders are encouraged to vote by proxy in advance of the meeting.
The document announces the annual meeting of stockholders of Northern Trust Corporation to be held on April 21, 2009 at 10:30 am at their offices in Chicago, Illinois. The purposes of the meeting are to elect 14 directors, ratify the appointment of the independent auditors, consider an advisory vote on executive compensation, and address any other business matters. Stockholders of record as of March 2, 2009 are eligible to vote. Stockholders are urged to vote by proxy card, telephone, internet, or in person at the meeting.
The document announces the annual meeting of stockholders of Northern Trust Corporation to be held on April 17, 2007 at 10:30 am at their headquarters in Chicago. The purposes of the meeting are to elect 14 directors, approve an amended stock plan, ratify the appointment of the independent auditors, and conduct any other business. Stockholders of record as of February 26, 2007 are eligible to vote. Stockholders are urged to vote promptly by returning their proxy card, voting by phone or internet, or attending the meeting in person.
- The document is a notice from Becton, Dickinson and Company inviting shareholders to attend the company's 2007 Annual Meeting of Shareholders on January 30, 2007.
- Shareholders will vote on electing directors, ratifying the selection of an independent accounting firm, approving an amendment to an equity plan, and a shareholder proposal regarding cumulative voting.
- Shareholders are encouraged to vote by proxy internet, phone, or mail prior to the meeting.
The document is a proxy statement from Fannie Mae announcing its 2008 annual shareholders' meeting. It provides details on the meeting such as date, time, location in New Orleans. It invites shareholders to attend and informs them that important matters will be voted on including electing directors and ratifying the selection of an auditing firm. Shareholders are encouraged to vote by proxy via mail, phone or internet in order to have their shares represented at the meeting.
This document is an outline for Section 1983 cases in the Ninth Circuit Court of Appeals. It provides an overview of general Section 1983 principles, including the elements of a Section 1983 claim and discussions of persons, acting under color of state law, deprivation of rights, state of mind requirements, causation, and immunities. It also contains acknowledgments thanking staff who contributed to revisions of the outline.
The document discusses various aspects of life in the British Isles. It covers the etymology, geography, flora and fauna, demographics, history, politics, culture, transportation and education systems of the region. Specific topics examined include the structure of the government and parliament, main political parties, local governance, healthcare system through the National Health Service and university system.
This document is a notice from Sunoco, Inc. to its shareholders regarding its 2007 Annual Meeting of Shareholders. The meeting will be held on May 3, 2007 at the Moore College of Art and Design in Philadelphia, PA. Only shareholders of record as of February 9, 2007 are entitled to vote. Matters to be voted on include the election of directors, ratification of the appointment of the independent auditors, and any other business properly presented. Shareholders are urged to vote promptly and information on how to vote is provided.
The document is a guide for Fulbright visiting scholars that outlines the privileges and obligations of the Fulbright Scholar Program. It provides information about the Fulbright Program's administration, grant provisions including terms, benefits and payments. It also details requirements for travel, health insurance, dependents, and preparations for arriving in the US. The guide covers scholars' roles and responsibilities during and at the end of the grant period, including professional activities, taxes, extensions, and post-grant benefits. It aims to support scholars by explaining all aspects of participating in the prestigious Fulbright exchange.
This document is a notice for the 2008 Annual Meeting of Shareholders of Becton, Dickinson and Company (BD) to be held on January 29, 2008. It invites shareholders to attend the meeting and notes that the meeting will address the election of directors, ratification of an independent accounting firm, and three shareholder proposals. Shareholders are encouraged to vote by proxy in advance of the meeting.
The document is a renter's guide published by the Connecticut Fair Housing Center. It provides information to help renters understand their fair housing rights and navigate the rental process. The guide covers topics such as learning rights under the Fair Housing Act, prioritizing needs, exploring housing options, applying for housing, maintaining a rental, and resolving disputes. It aims to educate renters about housing discrimination and provide tips throughout the rental process.
Practitioner’s guide to the u.s. court of appeals for the fifth circuit 101...Umesh Heendeniya
The document provides information about the Practitioner's Guide to the U.S. Court of Appeals for the Fifth Circuit. It discusses how the guide can help pro se litigants and lawyers navigate practice in the court. It notes that the guide is available online and contains approximately 310 pages divided into sections, as well as 10 appendices that can be downloaded separately. The document encourages readers to check the court's website for the most up-to-date information.
Critical HR Recordkeeping. From hiring to termination.Sage HR
Employee record retention is a daunting task for employers because there are so many different requirements based on a variety of criteria.
For example, virtually every federal employment law, ranging from the Americans with Disabilities Act (ADA) to Title VII of the Civil Rights Act, stipulates certain record-retention rules for all private sector employers. In addition, many state and local jurisdictions impose additional requirements.
Record retention is complex and time consuming. However, in addition to complying with various federal and state laws, keeping good, well-organized records can be very helpful in documenting and supporting an organization’s employment actions.
The best way to ensure that your records are in good order is to establish and publish a record-retention policy.
It’s wise to consult with legal counsel, and you may want to engage the services of record-retention specialists who can help you customize your record-retention policies and practices to fit your specific situation.
Recordkeeping also assists in managing human resources by providing hard data on the effectiveness of policies and procedures. For example, records of accidents in the workplace help identify why accidents are occurring and how to prevent them. Records also help prove compliance with government regulations. For example, documentation of equal employment opportunity practices can help show that an employer is in compliance with Title VII of the Civil Rights Act. Records provide documentation to defend—and even drive—employment decisions. They can help when defending against a lawsuit brought by an employee or employees under one of the employment laws.
Responsible recordkeeping practices begin long before a job candidate walks through the door and extend long after an employee leaves an employer, according to Allen Kato of Fenwick and West, LLP and Charles “Trey” Wichmann of Winston and Strawn, LLP. Their years of experience practicing employment law provide valuable insight on organizing your records legally and effectively.
In this special report, BLR® will outline their approach to recordkeeping to keep you out of court.
FOR MORE VISIT HR BLOG -> cake.hr/blog
This British Columbia Ministry of Economic Development publication, co-produced by Fraser Milner Casgrain LLP (FMC), provides a general overview of the principal laws, regulations and other considerations that would be of interest to non-Canadian companies and entrepreneurs wishing to establish or acquire a business in British Columbia.
This document is a handbook on Indiana's public access laws that provides an overview and commonly asked questions about the Indiana Open Door Law and the Access to Public Records Act. It discusses who is covered by these laws, what types of meetings and records are subject to them, notice requirements, remedies for violations, and other legal commentary. The handbook is intended to help the public understand their right to access government meetings and records in Indiana.
Fair housing training and procedures are essential for real estate professionals to provide equal service. This document outlines steps to establish a fair housing commitment, including developing a written policy, requiring training for all staff, designating a fair housing officer, and discussing fair housing regularly. Proper documentation and ongoing evaluation are also recommended to ensure equal treatment of all clients.
Federal Open Government Guide (FOIA and Other Federal Access Laws)Umesh Heendeniya
The document provides an overview of key federal open government laws including the Freedom of Information Act (FOIA), Federal Advisory Committee Act (FACA), and Government in the Sunshine Act. It discusses how each law works, what information they cover, and how journalists have used them to investigate important stories that revealed mismanagement of funds, health and safety issues, and other matters of public concern. The document is intended as a guide for journalists to understand their rights to access government information and attend federal agency meetings under these laws.
This document provides a guide for Mi'kmaq people from Nova Scotia who want to travel, work or live in the United States. It discusses the Jay Treaty of 1794 which recognizes the rights of Indigenous peoples to freely pass the Canada-US border. It notes that the Jay Treaty rights have been codified in US immigration law and allow those with at least 50% Native American blood quantum to enter and remain in the US with few restrictions. The guide provides information on document requirements, benefits, taxes, social services and other considerations for Mi'kmaq engaging with the US.
This document provides guidance for law enforcement on partnering with other organizations to help drug endangered children. It discusses the roles that law enforcement, child welfare, medical providers, behavioral health treatment providers, prosecutors, and civil attorneys play in protecting children. The document emphasizes the importance of collaboration between these groups to ensure the safety and well-being of children living with substance abuse.
Kim Soderberg and Gibraltar Mortgage share first time homebuyer's tips and a guide to obtaining your first home. Step by step overview of the homebuying process.
The document summarizes a study on the socioeconomic effects of an affordable housing project in India called Ashray. Researchers used mixed methods, including focus groups and surveys, to evaluate the experiences and outcomes of residents who moved to Ashray from informal settlements. Key findings include:
1) Residents were primarily low-income families seeking more permanent and stable housing with improved amenities like electricity, water, and sanitation.
2) Moving to Ashray provided residents with improved living conditions like larger homes constructed of stronger materials with private bathrooms and kitchens.
3) Residents reported benefits like increased safety, better health, savings on previous housing expenses, and opportunities for children's education. However, some faced increased
This document is a notice from Rite Aid Corporation announcing a Special Meeting of Stockholders to be held on December 2, 2008. The meeting will consider two proposals: 1) a reverse stock split of Rite Aid's common stock at a ratio of 1-for-10, 1-for-15, or 1-for-20 as selected by the Board of Directors, and 2) subject to approval of proposal 1, a decrease in Rite Aid's total authorized shares from 1,520,000,000 to 520,000,000 shares, with 500,000,000 shares being common stock. The record date for stockholders entitled to vote is October 28, 2008. The notice provides further details on the proposals
The document announces the annual meeting of stockholders of Northern Trust Corporation to be held on April 21, 2009 at 10:30 am at their offices in Chicago, Illinois. The purposes of the meeting are to elect 14 directors, ratify the appointment of the independent auditors, consider an advisory vote on executive compensation, and address any other business matters. Stockholders of record as of March 2, 2009 are eligible to vote. Stockholders are urged to vote by proxy card, telephone, internet, or in person at the meeting.
The document announces the annual meeting of stockholders of Northern Trust Corporation to be held on April 17, 2007 at 10:30 am at their headquarters in Chicago. The purposes of the meeting are to elect 14 directors, approve an amended stock plan, ratify the appointment of the independent auditors, and conduct any other business. Stockholders of record as of February 26, 2007 are eligible to vote. Stockholders are urged to vote promptly by returning their proxy card, voting by phone or internet, or attending the meeting in person.
- The document is a notice from Becton, Dickinson and Company inviting shareholders to attend the company's 2007 Annual Meeting of Shareholders on January 30, 2007.
- Shareholders will vote on electing directors, ratifying the selection of an independent accounting firm, approving an amendment to an equity plan, and a shareholder proposal regarding cumulative voting.
- Shareholders are encouraged to vote by proxy internet, phone, or mail prior to the meeting.
The document is a proxy statement from Fannie Mae announcing its 2008 annual shareholders' meeting. It provides details on the meeting such as date, time, location in New Orleans. It invites shareholders to attend and informs them that important matters will be voted on including electing directors and ratifying the selection of an auditing firm. Shareholders are encouraged to vote by proxy via mail, phone or internet in order to have their shares represented at the meeting.
This document is an outline for Section 1983 cases in the Ninth Circuit Court of Appeals. It provides an overview of general Section 1983 principles, including the elements of a Section 1983 claim and discussions of persons, acting under color of state law, deprivation of rights, state of mind requirements, causation, and immunities. It also contains acknowledgments thanking staff who contributed to revisions of the outline.
The document discusses various aspects of life in the British Isles. It covers the etymology, geography, flora and fauna, demographics, history, politics, culture, transportation and education systems of the region. Specific topics examined include the structure of the government and parliament, main political parties, local governance, healthcare system through the National Health Service and university system.
This document is a notice from Sunoco, Inc. to its shareholders regarding its 2007 Annual Meeting of Shareholders. The meeting will be held on May 3, 2007 at the Moore College of Art and Design in Philadelphia, PA. Only shareholders of record as of February 9, 2007 are entitled to vote. Matters to be voted on include the election of directors, ratification of the appointment of the independent auditors, and any other business properly presented. Shareholders are urged to vote promptly and information on how to vote is provided.
The document is a guide for Fulbright visiting scholars that outlines the privileges and obligations of the Fulbright Scholar Program. It provides information about the Fulbright Program's administration, grant provisions including terms, benefits and payments. It also details requirements for travel, health insurance, dependents, and preparations for arriving in the US. The guide covers scholars' roles and responsibilities during and at the end of the grant period, including professional activities, taxes, extensions, and post-grant benefits. It aims to support scholars by explaining all aspects of participating in the prestigious Fulbright exchange.
This document is a notice for the 2008 Annual Meeting of Shareholders of Becton, Dickinson and Company (BD) to be held on January 29, 2008. It invites shareholders to attend the meeting and notes that the meeting will address the election of directors, ratification of an independent accounting firm, and three shareholder proposals. Shareholders are encouraged to vote by proxy in advance of the meeting.
The document is a renter's guide published by the Connecticut Fair Housing Center. It provides information to help renters understand their fair housing rights and navigate the rental process. The guide covers topics such as learning rights under the Fair Housing Act, prioritizing needs, exploring housing options, applying for housing, maintaining a rental, and resolving disputes. It aims to educate renters about housing discrimination and provide tips throughout the rental process.
Practitioner’s guide to the u.s. court of appeals for the fifth circuit 101...Umesh Heendeniya
The document provides information about the Practitioner's Guide to the U.S. Court of Appeals for the Fifth Circuit. It discusses how the guide can help pro se litigants and lawyers navigate practice in the court. It notes that the guide is available online and contains approximately 310 pages divided into sections, as well as 10 appendices that can be downloaded separately. The document encourages readers to check the court's website for the most up-to-date information.
Critical HR Recordkeeping. From hiring to termination.Sage HR
Employee record retention is a daunting task for employers because there are so many different requirements based on a variety of criteria.
For example, virtually every federal employment law, ranging from the Americans with Disabilities Act (ADA) to Title VII of the Civil Rights Act, stipulates certain record-retention rules for all private sector employers. In addition, many state and local jurisdictions impose additional requirements.
Record retention is complex and time consuming. However, in addition to complying with various federal and state laws, keeping good, well-organized records can be very helpful in documenting and supporting an organization’s employment actions.
The best way to ensure that your records are in good order is to establish and publish a record-retention policy.
It’s wise to consult with legal counsel, and you may want to engage the services of record-retention specialists who can help you customize your record-retention policies and practices to fit your specific situation.
Recordkeeping also assists in managing human resources by providing hard data on the effectiveness of policies and procedures. For example, records of accidents in the workplace help identify why accidents are occurring and how to prevent them. Records also help prove compliance with government regulations. For example, documentation of equal employment opportunity practices can help show that an employer is in compliance with Title VII of the Civil Rights Act. Records provide documentation to defend—and even drive—employment decisions. They can help when defending against a lawsuit brought by an employee or employees under one of the employment laws.
Responsible recordkeeping practices begin long before a job candidate walks through the door and extend long after an employee leaves an employer, according to Allen Kato of Fenwick and West, LLP and Charles “Trey” Wichmann of Winston and Strawn, LLP. Their years of experience practicing employment law provide valuable insight on organizing your records legally and effectively.
In this special report, BLR® will outline their approach to recordkeeping to keep you out of court.
FOR MORE VISIT HR BLOG -> cake.hr/blog
This British Columbia Ministry of Economic Development publication, co-produced by Fraser Milner Casgrain LLP (FMC), provides a general overview of the principal laws, regulations and other considerations that would be of interest to non-Canadian companies and entrepreneurs wishing to establish or acquire a business in British Columbia.
This document is a handbook on Indiana's public access laws that provides an overview and commonly asked questions about the Indiana Open Door Law and the Access to Public Records Act. It discusses who is covered by these laws, what types of meetings and records are subject to them, notice requirements, remedies for violations, and other legal commentary. The handbook is intended to help the public understand their right to access government meetings and records in Indiana.
Fair housing training and procedures are essential for real estate professionals to provide equal service. This document outlines steps to establish a fair housing commitment, including developing a written policy, requiring training for all staff, designating a fair housing officer, and discussing fair housing regularly. Proper documentation and ongoing evaluation are also recommended to ensure equal treatment of all clients.
Federal Open Government Guide (FOIA and Other Federal Access Laws)Umesh Heendeniya
The document provides an overview of key federal open government laws including the Freedom of Information Act (FOIA), Federal Advisory Committee Act (FACA), and Government in the Sunshine Act. It discusses how each law works, what information they cover, and how journalists have used them to investigate important stories that revealed mismanagement of funds, health and safety issues, and other matters of public concern. The document is intended as a guide for journalists to understand their rights to access government information and attend federal agency meetings under these laws.
This document provides a guide for Mi'kmaq people from Nova Scotia who want to travel, work or live in the United States. It discusses the Jay Treaty of 1794 which recognizes the rights of Indigenous peoples to freely pass the Canada-US border. It notes that the Jay Treaty rights have been codified in US immigration law and allow those with at least 50% Native American blood quantum to enter and remain in the US with few restrictions. The guide provides information on document requirements, benefits, taxes, social services and other considerations for Mi'kmaq engaging with the US.
This document provides guidance for law enforcement on partnering with other organizations to help drug endangered children. It discusses the roles that law enforcement, child welfare, medical providers, behavioral health treatment providers, prosecutors, and civil attorneys play in protecting children. The document emphasizes the importance of collaboration between these groups to ensure the safety and well-being of children living with substance abuse.
Kim Soderberg and Gibraltar Mortgage share first time homebuyer's tips and a guide to obtaining your first home. Step by step overview of the homebuying process.
The document summarizes a study on the socioeconomic effects of an affordable housing project in India called Ashray. Researchers used mixed methods, including focus groups and surveys, to evaluate the experiences and outcomes of residents who moved to Ashray from informal settlements. Key findings include:
1) Residents were primarily low-income families seeking more permanent and stable housing with improved amenities like electricity, water, and sanitation.
2) Moving to Ashray provided residents with improved living conditions like larger homes constructed of stronger materials with private bathrooms and kitchens.
3) Residents reported benefits like increased safety, better health, savings on previous housing expenses, and opportunities for children's education. However, some faced increased
This document is a notice from Rite Aid Corporation announcing a Special Meeting of Stockholders to be held on December 2, 2008. The meeting will consider two proposals: 1) a reverse stock split of Rite Aid's common stock at a ratio of 1-for-10, 1-for-15, or 1-for-20 as selected by the Board of Directors, and 2) subject to approval of proposal 1, a decrease in Rite Aid's total authorized shares from 1,520,000,000 to 520,000,000 shares, with 500,000,000 shares being common stock. The record date for stockholders entitled to vote is October 28, 2008. The notice provides further details on the proposals
This document provides a summary of key findings from a survey of living conditions in Anbar Province, Iraq in June 2008. The survey included interviews with 1,200 randomly selected households across Anbar. It collected demographic data on family size and composition. It also gathered information on employment status, household income levels, standards of living, access to services, and security conditions. The survey findings provide insight into how residents of Anbar were faring in terms of their social, economic and living conditions in mid-2008 after years of war and instability.
This document provides instructions for a self-help guide on avoiding foreclosure in New Jersey. It discusses gathering important documents like mortgage records and identifying deadlines. It evaluates personal finances like determining a home's value and creating a budget. The guide explains the foreclosure process in New Jersey courts and defenses that may prevent foreclosure, such as violations of consumer protection or lending laws. It also discusses other options like mediation, counseling, and bankruptcy for avoiding foreclosure.
dean foods Fisca l2007 Proxy Statemen tFINALfinance23
- The document announces the company's annual stockholders' meeting to be held on May 22, 2008 at 10:00 am at the Dallas Museum of Art to vote on proposals adopted by the Board of Directors, including re-electing four members of the Board for three-year terms and ratifying the selection of Deloitte & Touche LLP as the independent auditor for 2008.
- Stockholders of record as of March 25, 2008 are entitled to vote at the meeting. The notice and proxy statement were first mailed to stockholders on April 21, 2008.
What Every CISO Needs to Know About Cyber InsuranceSymantec
This whitepaper provides information for CISOs on cyber insurance. It covers the evolving cyber threat landscape, recent legislative and regulatory updates, an overview of cyber insurance including what it covers and considerations for determining appropriate coverage levels. It also discusses the roles of privacy attorneys, insurance brokers, and crisis communications specialists in responding to cyber incidents. Sections provide guidance on avoiding litigation after a breach, notifying law enforcement, and choosing incident response vendors. The whitepaper aims to help CISOs understand cyber insurance and prepare for and respond to cyber incidents.
The document is a notice from Sunoco, Inc. announcing its 2006 Annual Meeting of Shareholders. It states that the meeting will be held on May 4, 2006 at the Moore College of Art and Design in Philadelphia, PA. Items to be voted on include the election of directors, approval of Sunoco's Executive Incentive Plan, and ratification of the appointment of Ernst & Young as the independent auditor. Shareholders as of February 9, 2006 are entitled to vote. The notice provides details on voting procedures and encourages shareholders to vote.
This document provides guidance on effective asset management for supportive housing programs. It discusses the importance of asset management for securing the long-term financial viability of supportive housing. Some key steps outlined include defining asset management goals, thinking like a business operator, creating an asset management plan and binder, evaluating property managers, monitoring financial and operational performance metrics, identifying areas for cost savings or revenue growth, and maintaining properties to high standards. The overall aim is to help supportive housing programs take a more business-like approach to asset management.
The document is a notice from AMR Corporation inviting stockholders to attend its 2005 Annual Meeting of Stockholders on May 18, 2005 at 8:00am at the American Airlines Training & Conference Center in Fort Worth, Texas. It provides information on the items of business to be voted on, including the election of directors, ratification of auditors, and a stockholder proposal. Stockholders of record as of March 21, 2005 are entitled to vote. Admission to the meeting will require an admission ticket or proof of stock ownership.
Similar to Cmm wills estates book one final final final (20)
Integrating Advocacy and Legal Tactics to Tackle Online Consumer Complaintsseoglobal20
Our company bridges the gap between registered users and experienced advocates, offering a user-friendly online platform for seamless interaction. This platform empowers users to voice their grievances, particularly regarding online consumer issues. We streamline support by utilizing our team of expert advocates to provide consultancy services and initiate appropriate legal actions.
Our Online Consumer Legal Forum offers comprehensive guidance to individuals and businesses facing consumer complaints. With a dedicated team, round-the-clock support, and efficient complaint management, we are the preferred solution for addressing consumer grievances.
Our intuitive online interface allows individuals to register complaints, seek legal advice, and pursue justice conveniently. Users can submit complaints via mobile devices and send legal notices to companies directly through our portal.
Corporate Governance : Scope and Legal Frameworkdevaki57
CORPORATE GOVERNANCE
MEANING
Corporate Governance refers to the way in which companies are governed and to what purpose. It identifies who has power and accountability, and who makes decisions. It is, in essence, a toolkit that enables management and the board to deal more effectively with the challenges of running a company.
The Future of Criminal Defense Lawyer in India.pdfveteranlegal
https://veteranlegal.in/defense-lawyer-in-india/ | Criminal defense Lawyer in India has always been a vital aspect of the country's legal system. As defenders of justice, criminal Defense Lawyer play a critical role in ensuring that individuals accused of crimes receive a fair trial and that their constitutional rights are protected. As India evolves socially, economically, and technologically, the role and future of criminal Defense Lawyer are also undergoing significant changes. This comprehensive blog explores the current landscape, challenges, technological advancements, and prospects for criminal Defense Lawyer in India.
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...Sangyun Lee
Presentation slides for a session held on June 4, 2024, at Kyoto University. This presentation is based on the presenter’s recent paper, coauthored with Hwang Lee, Professor, Korea University, with the same title, published in the Journal of Business Administration & Law, Volume 34, No. 2 (April 2024). The paper, written in Korean, is available at <https://shorturl.at/GCWcI>.
Genocide in International Criminal Law.pptxMasoudZamani13
Excited to share insights from my recent presentation on genocide! 💡 In light of ongoing debates, it's crucial to delve into the nuances of this grave crime.
Business law for the students of undergraduate level. The presentation contains the summary of all the chapters under the syllabus of State University, Contract Act, Sale of Goods Act, Negotiable Instrument Act, Partnership Act, Limited Liability Act, Consumer Protection Act.
सुप्रीम कोर्ट ने यह भी माना था कि मजिस्ट्रेट का यह कर्तव्य है कि वह सुनिश्चित करे कि अधिकारी पीएमएलए के तहत निर्धारित प्रक्रिया के साथ-साथ संवैधानिक सुरक्षा उपायों का भी उचित रूप से पालन करें।
Lifting the Corporate Veil. Power Point Presentationseri bangash
"Lifting the Corporate Veil" is a legal concept that refers to the judicial act of disregarding the separate legal personality of a corporation or limited liability company (LLC). Normally, a corporation is considered a legal entity separate from its shareholders or members, meaning that the personal assets of shareholders or members are protected from the liabilities of the corporation. However, there are certain situations where courts may decide to "pierce" or "lift" the corporate veil, holding shareholders or members personally liable for the debts or actions of the corporation.
Here are some common scenarios in which courts might lift the corporate veil:
Fraud or Illegality: If shareholders or members use the corporate structure to perpetrate fraud, evade legal obligations, or engage in illegal activities, courts may disregard the corporate entity and hold those individuals personally liable.
Undercapitalization: If a corporation is formed with insufficient capital to conduct its intended business and meet its foreseeable liabilities, and this lack of capitalization results in harm to creditors or other parties, courts may lift the corporate veil to hold shareholders or members liable.
Failure to Observe Corporate Formalities: Corporations and LLCs are required to observe certain formalities, such as holding regular meetings, maintaining separate financial records, and avoiding commingling of personal and corporate assets. If these formalities are not observed and the corporate structure is used as a mere façade, courts may disregard the corporate entity.
Alter Ego: If there is such a unity of interest and ownership between the corporation and its shareholders or members that the separate personalities of the corporation and the individuals no longer exist, courts may treat the corporation as the alter ego of its owners and hold them personally liable.
Group Enterprises: In some cases, where multiple corporations are closely related or form part of a single economic unit, courts may pierce the corporate veil to achieve equity, particularly if one corporation's actions harm creditors or other stakeholders and the corporate structure is being used to shield culpable parties from liability.
Receivership and liquidation Accounts
Being a Paper Presented at Business Recovery and Insolvency Practitioners Association of Nigeria (BRIPAN) on Friday, August 18, 2023.
2. IMPORTANT
This guide contains general information and educational material for Nova Scotia
Mi’kmaq who want to write their own Will. This publication is a general, plain-
language guide to rules, documents and processes for writing a Will if you are a Status
Indian and you live on reserve or Crown lands in Nova Scotia. While every effort has
been made to ensure accuracy, this guide is neither a complete technical description
nor an official interpretation of the subjects it discusses. This publication does not
provide legal advice; if you have specific legal questions you should contact a lawyer.
The Legal Information Society of Nova Scotia offers a Lawyer Referral Service. This
service provides an individual with an initial consultation of up to 30 minutes for a
fee of $20 plus tax. Please note that the lawyer will not do legal work for you during
the initial 30-minute consultation. The lawyer is there to review your legal questions
and talk about the options you may have, and how much it may cost to have the legal
work done.
For more information about hiring a lawyer, please see Part Seven: Hiring a Lawyer
to Write Your Will on page 18 of this guide.
Lawyer Referral Service: (800) 665-9779 (toll free) or (902) 455-3135 (Halifax
area).
3. Mi’kmaw Wills & Estates:
A Guide for Nova Scotia Mi’kmaq
Book One: How to Write a Will
Revised January 2017
5. ii
BCR Band Council Resolution
CP Certificate of Possession
FHRMIRA Family Homes on Reserves and Matrimonial Interests or Rights Act
PFR Provisional Federal Rules
INAC Indigenous and Northern Affairs Canada
MRP Matrimonial Real Property
RRSP Registered Retirement Savings Plans
NSSC Nova Scotia Supreme Court
TFSA Tax Free Savings Accounts
VA Veteran’s Allotment
WWII The Second World War
List of Acronyms
6. 1
As Mi’kmaq we have our own customs, laws and spiritual beliefs
regarding death and worldly possessions. Historically, when a person
was returned to the spirit world the family would burry the person
with all of their possessions. It was believed the possessions would
follow their owner into the next world. As a result, only a few worldly
possessions passed to the next living generation.
Today we do not bury our loved ones with all of their possessions.
Many of us have things we wish to pass on to family and friends.
Writing a Will is the best way to ensure your final wishes are followed.
The Indian Act1
sets out the rules for making a Will that apply to all
Status Indians who are Ordinarily a Resident on Reserve.*
In addition to the Indian Act, the Family Homes on Reserves and
Matrimonial Interests or Rights Act (FHRMIRA)2
can affect your
Will. The Provisional Federal Rules (PFR), as set out in sections 12
to 52 of FHRMIRA contain provisions that may affect your Will and
have been highlighted throughout this guide in the yellow text boxes.
The PFR under FHRMIRA will only affect you if your band does not
have Matrimonial Real Property (MRP) laws.
Introduction
Will: A signed written or typed
document stating how a person
wants his or her property to
be distributed and debts paid
after they die. The Will also
names an Executor, who will be
responsible for carrying out the
deceased’s final wishes.
Status Indian: A person who
is registered as an Indian, in
accordance with the Indian Act
(Canada).
Ordinarily a Resident on
Reserve: Is when a person
habitually makes the reserve
their home. A person who must
spend time in a hospital or
prison; or leaves the reserve
in order to attend school, work,
to go hunting or to serve in the
military; or lived off-reserve for
most of their life, but moved
to the reserve and was living
on the reserve at the time of
death may still be “Ordinarily a
Resident on Reserve”.
A First Nation can write MRP laws at any time. Once a First Nation
has passed a MRP law, the Band’s law and not FHRMIRA will apply to
the matrimonial property located on the reserve. A band can legislate
different provisions for the division of MRP on reserve lands.
It is important to know if your band has MRP laws. Indigenous
and Northern Affairs Canada (INAC) maintains a list of bands
that have MRP laws online at: http://www.aadnc-aandc.gc.ca/
eng/1408981855429/1408981949311
* This guide also applies if you are a Status Indian living on Crown lands or reside
on a traditional land holding.
7. 2
This guide provides information on how to write a Will for Status
Indians who Ordinarily Reside on Reserve.
You may USE this guide to help prepare your Will if:
✓ You are a Status Indian;
✓ You live on-reserve or crown lands;
✓ You are 19 years of age or older;
✓ You have Testamentary Capacity; and
✓ You do not own Property off reserve.
However, you should talk to a lawyer before writing your Will if:
• You care for Adult Dependants or Developmentally Delayed
Children.
• You are divorced or are in the process of a divorce. A divorce
does not cancel a Will. If you want to remove your former
spouse from your Will, you must change the Will. If you do
not change your Will, your ex-spouse may have a right to claim
part of your Estate.
• You are planning to get married. Marriage revokes a prior
Will, unless the Will states it was made in “contemplation of
marriage.”
• You start a business.
• You own property located off reserve.
• You own a great deal of Property, such as, land holdings, bank
accounts with large sums of money, investments, etc.
Do NOT use this guide if you are:
1) A Status Indian living off reserve; or
2) A non-Status Indian living on reserve.
In these situations the Wills Act3
may apply.
Testamentary Capacity: The
legal requirement that a person
making a Will must be of sound
mind and memory, knows the
extent of their property, and
understands the effects of the
Will.
Property: Land, possessions
and other items a person has
legal ownership of. There
are two forms of property:
Real Property and Personal
Property.
Estate: Any property the
deceased owned at the time
of death (that may include your
home, car, bank accounts,
household goods, investments).
Is This Guide for You?
Part One
8. 3
What is a Will?
A Will is a written or typed document that explains how a person
would like their Property given out after they pass away. The person
who writes a Will is known as a Testator.
For a Will to be valid it must be:
A. Written
A Will cannot be audio or video recorded. The Indian Act states
that any written or typed document, signed by you, that gives away
your possessions, may be accepted as a Will.4
B. Signed and Dated
Signing and dating a Will is important. By signing and dating the
Will, you are agreeing that the contents of the Will reflect your
wishes. It is good practice to sign your initials at the bottom of every
page of your Will. This makes it difficult for anyone to change your
Will.
If you have difficulty reading or writing, you can sign your Will
by placing an “X” in the space next to your name. If you must sign
your Will by placing an “X”, your must have two people (who are
not Beneficiaries) present and read the Will aloud to you. After the
Will has been read, the witnesses must observe you make your “X”
mark.
C. Witnessed
A Will for a Status Indian living on reserve does not need to be
witnessed.5
However, in order to avoid disputes, two people should
witness your Will, especially if you own Property off reserve.
Each witness must be at least 19 years old and be present when
you and the other witness sign and date the Will. Witnesses do not
need to know the contents of the Will; they only need to know that
it is your Will and that it states your wishes. To avoid conflicts you
should not use family members or Beneficiaries as witnesses.
D. Give away your Property
The Will must give away or dispose of your Property or Assets to
specific people or organizations upon your death.
Testator: A person who makes
a Will. Testatrix is sometimes
used to describe a woman who
makes a Will. Throughout this
guide Testator will also include
the feminine.
Beneficiary: A person or
organization named in a Will,
in an insurance policy or at
provincial law to receive a gift
or money after a person dies.
There can be more than one
beneficiary in the Will or policy.
Assets: Everything a person
owns, including Real and
Personal Property (such as
land, vehicles, bank accounts,
pensions, jewelry, art, crafts,
household goods).
9. 4
Do You Need a Will?
Making a Will is a personal decision. A Will can give you control over
what happens to your Property after you pass away. A Will can enable
you to:
• Choose your Executor;
• Choose your Beneficiaries;
• Choose who will care for
your Child(ren);
• Prevent family conflicts;
• Lessen the involvement of
INAC;
• Settle your Estate quickly;
and
• Protect your history, culture
and traditions.
What happens if you do
not have a Will?
If you do not have a Will at the time of your death, the law will declare
that you have died Intestate. When a Status Indian who lives on
reserve dies Intestate, the Minister may appoint an Executor to the
Estate.6
Section 48 of the Indian Act, provides that an Estate worth
less then $75,000.00 will be given entirely to the Surviving Spouse.7
If an Estate is worth more than $75,000.00 the Surviving Spouse will
receive the first $75,000.00. Anything left, is then divided amongst the
Surviving Spouse and any children of the deceased.8
Since the coming into force of FHRMIRA on December 16, 2014, a
Surviving Spouse or Common Law Partner can file an application
with the Nova Scotia Supreme Court (NSSC) to access a number of
rights and interests under FHRMIRA.9
Executor: The person or
corporation named in a Will to
carry out the instructions in the
Will or to administer the Estate.
More than one Executor can
be named in a Will. Executrix
is sometimes used to describe
a female Executor. Throughout
this guide Executor will also
include the feminine.
Child: Includes a legally
adopted child and a child
adopted in accordance with
Mi’kmaq custom.
Intestate: Means a person
has died without making a Will
or has made a Will that is not
valid.
Minister: Means the Minister of
INAC.
Surviving Spouse: The person
the deceased was married to at
the time of death (husband or
wife).
Common Law Partner: A
person who has been living
with an individual in a conjugal
relationship for a period of at
least one year. Common law
spouses are not considered
legally married.
Custom Adoption
Some First Nation people
raise children who are not
their own by birth and who
have not been formally
adopted under provincial laws
(for example, your niece or
nephew). If you have children
who are not biologically
yours, and you want to be
sure they are legally treated
the same as your biological
children in your Will, be sure
to mention these custom-
adopted children by name,
instead of just saying “I leave
everything to my children”.
Survivors Choice under FHRMIRA
• FHRMIRA only applies to the family home and other matrimonialinterests. A Surviving
Spouse or Common Law Partner can chose to divide MRP underFHRMIRA, as well as
inherit other assets, such as personal items, from a Will or under theIndian Act. (FHRMIRA, s
37)
• A Surviving Spouse or Common Law Partner (including non-band members) has an
automatic right to occupy the family home for up to 180 days.(FHRMIRA, s 14)
• The Surviving Spouse or Common Law Partner (including non-bandmembers) may apply to
receive half the value of the deceased’s interest in the family homeand other matrimonial
interests and rights on reserve lands. (FHRMIRA, s 34)
NOTE: FHRMIRA only applies to Bands that have not passed MRPlaws.
10. 5
How to Start Writing a Will
When writing a Will you should be as specific and as clear as possible.
When you are writing your Will, you must make sure others will be
able to easily understand your instructions (see Appendix A). If your
instructions cannot be understood the Minister has the authority to
declare a Will Void, in whole or in part.10
Generally, when writing a Will you should consider the following:
1. State you are writing your Last Will & Testament; insert your legal
name, address and in brackets any nicknames you are known by.
2. Insert a statement that you cancel or revoke all previous Wills and
Codicils.
3. State the name of the person you want to act as your Executor.
Then, name an alternate, in case the first named Executor is not
able or willing to act.
4. State that you want your Executor to pay all of your debts, funeral
and Testamentary Expenses out of the Assets of the Estate.
5. Identify all your Property, including your Assets and name the spe-
cific person or organization you wish to gift the item to. It is impor-
tant to name an alternate Beneficiary for each gift, just in case the
person named in the first instance passes away before you.
Void: Not valid or legally
binding.
Codicil: A legal document
that amends a Will. A codicil
becomes part of the Will and
must be signed, witnessed and
dated in the same manner as a
Will.
Testamentary Expenses:
The expenses your Executor
will have to pay to carry out the
instructions in your Will.
Part Two
Writing Your Will
Example
This is the Last Will and Testament of me, [YOUR LEGAL
NAME] (NICKNAME), of [ADDRESS].
Example
I appoint [LEGAL NAME OF PERSON], of [ADDRESS], as
Executor of my Will. If he or she is unable or unwilling to act,
I appoint [LEGAL NAME OF PERSON], of [ADDRESS], as
Executor of my Will.
11. 6
When identifying your Property, Assets and Beneficiaries in your Will,
you should consider the following:
1. Write a clear description of each item you want to give away. If you
have a collection of baskets, describe particular features of the item
that set it apart, and clearly identify who you want to receive the
gift.
2. Sometimes it is better if you are not too specific about items in your
Will. For example, when identifying a vehicle being too specific
can lead to a gift not being given away. If, at the time of death, the
only vehicle you owned is a “Honda Civic” and your Will only
identifies a “Ford F-150”, the “Honda Civic” will not be given to
anyone. The “Honda Civic” will fall into the Residue of your Es-
tate and the Beneficiary gifted the “Ford F-150” will not receive
anything.
3. Specific gifts can also include cash gifts.
Residue: Is everything in a
Testator’s Estate that has not
been given to a specific person
or organization; and includes
any gifts that fail to be given
away or are void.
Example
I give to my daughter, [LEGAL NAME] of [ADDRESS], my
Mi’kmaq sweetgrass basket with the turtle design on the top
of the cover.
Example
I give the primary vehicle I drive, at the time of my death, to
my son, [LEGAL NAME] of [ADDRESS].
Example
I give $1,000.00 to my son, [LEGAL NAME], of [ADDRESS].
12. 7
Choosing an Executor and their Responsibilities
Anyone can be named as an Executor in your Will. The person you name as the Executor should be
someone who can handle responsibility at a difficult time, is in good health and presence of mind to settle
your affairs. Be sure to ask the people you are naming as Executor if they are able and willing to act as
your Executor.
The Executor must file your final Income Tax Return, pay your remaining debt, complete an inventory of
your Assets, and follow the instructions in your Will. Your Executor must not give your Beneficiaries their
gifts, until your remaining debt has been paid. An Executor can be held personally liable for any debt that
is not paid before the where Assets are given to your loved ones.
Being an Executor is an important job for more information about the roles and responsibilities of an
Executor see Mi’kmaw Wills & Estates: Book Two: How to Settle an Estate.
13. 8
Real Property: Land, buildings
attached to the land, as well
as permanent fixtures or
improvements to land.
Personal Property: Assets
other then Real Property that
physically exist and are easily
moved and not permanently
attached to a dwelling or
structure.
What are Assets?
When giving away your Property in your Will, it is important to
identify what interests you have in the Property you wish to give
away. The Assets of your Estate include all your Property, both Real
Property and Personal Property. The following are non-exhaustive
lists of Assets you may own:
A. Real Property
Band Owned Home
You cannot include a band owned home or land in your Will. You can
only give away things you have legal ownership of. However, if you live
in a band owned home, you may write a request to the Band Council
asking that the home be passed on to another family member who is a
band member.
The Band Council does not have to comply with your request and
the house can be allotted in accordance with the band’s Land Code,
policies, customs or traditions.
Part Three
Giving Away Your
Property
Real Property, may include:
• Land
• Buildings
• Permanent structures
attached to the land
• Improvements to the
land.
Personal Property, may include:
• Household goods
• Vehicles
• Jewelry
• Business equipment
• Cultural items
• Leaseholds
• Shares
• Stock certificates
• Legal settlements or
judgment awards
• Patents
• Trade marks
• Computer programs you
create.
Example
I am aware that the house I live in is a band-owned home,
but I would like to request that Chief and Council allow my
grandchild, [LEGAL NAME] to take over living in my house
located at: [ADDRESS].
14. 9
Certificates of Possession
A band member who is in lawful possession of reserve land holds a
Certificate of Possession (CP). In order to obtain a CP, you must get a
Band Council Resolution (BCR) approving the allotment.11
After the
Band Council has approved the BCR, the Minister may issue a CP to
the band member.12
You may gift a CP in your Will. However, you should find out if your
interest in the CP is held solely in your name, or if others are listed on
the CP with you. If you have Sole Ownership of the CP, or hold it as
a Tenancy in Common, the CP will become part of your Estate and
can be given to another band member of your choice. If the CP is held
in Joint Tenancy, ownership of the CP will transfer to any surviving
co-owners listed on the CP with you, and cannot be given to anyone in
your Will.
The Indian Act sets out the rules and limits for giving a CP in a Will.
• A CP cannot be transferred to a non-band member.13
• If a CP is left to a non-band member, the property will be
offered for sale to the highest bidder among band members.14
• Once the Minister approves the sale, the money received will
be given to the non-band member Beneficiary of the CP.15
• If the CP is not sold within six months, the Minister may give
the CP back to the band, at no cost; and decide whether or not
to compensate the non-band member for the CP.16
Certificate of Possession:
A document prescribed under
the Indian Act confirming
that a band member is legally
entitled to occupy and possess
a specific piece of reserve land
defined in the document.
Band Council Resolution:
Refers to a written resolution of
the Council of the band adopted
at a duly convened meeting.
Sole Ownership: When
one person has exclusive
ownership, meaning no other
person has any interest in the
property as an owner.
Tenancy in Common: When
two or more people own an
interest in the same property.
Each co-owner has a distinct
and separate interest in the
property. If one of the co-
owners dies, their share of
the property is added to their
Estate.
Joint Tenancy: When two or
more people own the same
property. If one of the owners
dies, their interest in the
property is automatically given
to the other named owner(s).
CP of Reserve Lands under FHRMIRA
• A Surviving Spouse or Common Law Partner (including non-band
members) has an automatic right to occupy the family home for up to 180
days. (FHRMIRA, s 14)
• The Surviving Spouse or Common Law Partner (including non-band
members) may apply to receive half the value of the deceased’s interest
in the family home and other matrimonial interests and rights on reserve
lands. (FHRMIRA, s 34)
• Only band members can receive a transfer of ownership for a CP or
interest in reserve lands. (FHRMIRA, s 36(1)(b)(iii))
NOTE: Make sure you check with your Band Council to find out if FHRMIRA
applies to your community.
15. 10
Veteran’s Allotments
After the Second World War (WWII), the federal government promised
returning Veterans benefits, such as land, training, grants and loans
in recognition for their service to Canada. INAC administered the
Veteran’s benefits program for Status Indians after WWII. Through
this program, Indian Agents gave Veterans land under a Veteran’s
Allotment (VA).
During the administration of the VA program confusion arose as to
whether the benefits for Status Indians included entitlement to reserve
lands. Some Indian Agents had granted reserve land, on the mistaken
belief that the grant of land was necessary in order for the Veteran to
receive other financial benefits, such as loans and grants. Also,
during this time recordkeeping was inconsistent. Some Indian
Agents recorded a Veterans interest in lands as a VA, whereas
others did not record a Veterans interests.
EachFirstNationtreatedVAsdifferently.Thiscreateddifficulty
when Veterans attempted to formalize their VA interest as a
CP. In some cases, with the consent of the community, the
Band Council would request that INAC issue a CP in place of the VA.
In other cases, the Band Council negotiated a cash settlement or gave
the Veteran a CP for a different or smaller piece of land. While other
communities never recognized VAs.
If you received a CP for your VA, you may gift the CP in your Will.
If you were promised a VA by an Indian Agent, but the VA was
not formalized you should contact your band and INAC about your
situation.
Veteran’s Allotment: Is an
interest in land that was given
as part of a WWII benefits
program.
16. 11
B. Personal Property
RRSPs, Pensions and Life Insurance Policies
Your Registered Retirement Savings Plans (RRSP), Tax Free
Savings Accounts (TFSA), Pension Plans, and Life Insurance
Policies, usually contain a Beneficiary designation on their forms.
The Beneficiary identified on the form will receive the value of
those plans. The Beneficiary named on the forms can be a person,
charity, or your Estate.
If the policy Beneficiary named is a person or charity, they will
receive the proceeds of the policy and none of the proceeds will
form part of your Estate. However, if you directed the proceeds to
be paid to your Estate, the value of those policies will become an
Asset of your Estate. As an Asset, the policies can be distributed
in the same manner as Assets under a Will.
Problems can arise if your policy and your Will name different
Beneficiaries for the same policy.
Legal Settlement or Judgment Award
If you are entitled to a legal settlement or have been awarded a judgment
by the courts, you should name a person to receive this money in your
Will. If you do not name someone to receive the settlement or judgment
award, the value of the settlement or judgment will be placed in the
Residue of the Estate.
17. 12
Organizing Assets in a Will
Now that you know what your Assets are, how do you organize the
distribution of your Assets in your Will? Assets in a Will can be
distributed under two categories: Specific Gifts and Residue.
A. Specific Gifts
A specific gift is a specific sum of money, Property, land, or a defined
group of items (my coin collection) given to a named Beneficiary in
a Will.
How you write instructions in your Will is important. If it is not
clear to your Executor who you intended to be the Beneficiary of a
specific gift, the Executor will have to place the gift in the Residue
of your Estate.
B. Residue Clause
If there are no clear instructions on how items are to be distributed
in your Will, then these items will fall into the Residue of your
Estate. The Residue of your Estate shall be distributed according to
the instructions under the Residue clause of your Will.
The Residue of an Estate is usually made up of any Property that
has not been gifted to a particular person or organization. The
Property left in the Residue of an Estate can be sold or distributed
to Beneficiaries listed under the Residue clause. The Residue of an
Estate can be given to one person or it can be divided amongst a
number of people and organizations (charities, churches, extended
family members, friends or other organizations).
If a Will does not have a Residue clause the Assets will be distributed
according to the Intestate provisions of the Indian Act. Under the
Indian Act the first $75,000.00 goes to the
Surviving Spouse.17
If the Residue is more
than $75,000.00 the amount greater than
$75,000.00 is divided between the Surviving
Spouse and children.18
18. 13
As a parent of a Minor Child you should consider who will care for
the Child when you die and how will the Child’s financial needs be met
after you pass away.
Who Will Care for Your Children?
When one spouse dies, the surviving parent
continues to care for the children. In situations
when both parents die at the same time or
close in time, you should consider naming a
Guardian to care for your children.
Single parents are subject to other agreements
(Child Custody Orders) that may affect the
appointment of a Guardian for a Minor Child.
In order to assist the court in appointing a
Guardian you should name a Guardian for
your Child in your Will.
A Guardian will make the day-to-day decisions about your Child’s
maintenance and care; this includes health care, education and
activities. A Guardian may be a Godparent, relative, or friend of
the family - anyone you trust. The person you name as Guardian is
considered a recommendation and is not legally binding. To make the
appointment binding, an application for guardianship must been made
to and confirmed by the NSSC.
Meeting the Financial Needs of Your Child
Once you have named a Guardian, you must think about
how to meet the financial needs of your children. Your
Will must provide for any Minor Child, even if the Child
does not live with you.
Any Assets left to a Minor Child must be left to them in
Trust. Trusts protect any money or Assets that are left
to a Child in a Will until the Child reaches the age 19
years old.
Minor: A person who is under
19 years of age.
Guardian: The person named
in a Will or appointed by the
court to care for Minor children
or Mentally Incompetent
dependants of the deceased.
Trust: A trust is an arrangement
where a person manages
property (including cash) for
the benefit of another. A Trust is
created and must be managed
according to the terms and
conditions of the trust, which
can be set out in a Will.
Trustee: An individual person
or member of a board given
control with the legal obligation
to administer the property in
a trust solely for the purposes
specified.
Providing for Your
Children
Part Four
Ankwe’aq (Ankweyaq):
“to take care of, to
bring up as your
own.” This word is
used in reference to
foster families in L’nu
communities. Foster
children are raised
as part of the family,
treated no differently
from other children, but
always reminded of who
their kin relations are.*
* Tuma Young, “L’nuwita’simk: A Foundational Worldview for a L’nuwey Justice System” (2016) 13: 1 Ind LJ 75 at 96.
19. 14
You should appoint a Trustee to manage the Child’s money and Assets
in your Will. If you do not appoint a Trustee, INAC will ask a family
member to fulfill the role.19
The Trustee who agrees to act is required
to follow certain rules to protect Assets for the Child’s future benefit.
If the person you appoint is unable or unwilling to act as the Trustee,
INAC will put any money or Assets given to a Child into a Trust
account, and hold it for the Child until they turn 19 years old.20
Regardless of who acts as Trustee, the goal is to protect the Child’s
Assets. Your Will may specify how Assets should be used to benefit a
Child. Assets held in Trust are meant to provide a foundation for the
Child’s future. The Guardian who cares for a Child cannot use the
Child’s Trust money for their personal benefit.
Providing for Adult Dependants
The treatment of any Assets left to an adult dependant who is Mentally
Incompetent is under the exclusive jurisdiction of the Minister.21
The
Minister may appoint a Trustee to manage the Assets.22
Trustees must
follow the rules and standards for managing trust Assets. Money held
in trust is released as necessary for the adult dependant’s maintenance
and care. Trust Assets may be sold in order to cover the cost for ongoing
care.
Mentally Incompetent:
The Indian Act defines a
Mentally Incompetent Indian
to be someone who has been
declared mentally defective or
incompetent for the purposes
of any laws of the province in
which that person lives.
Providing for a Spouse or Common-law
Partner under FHRMIRA
A Surviving Spouse or Common Law Partner
can choose to have the matrimonial home and
other MRP Assets and interests dealt with under
FHRMIRA.
NOTE: Check with your Band to find out if
FHRMIRA applies to your community.
Survivors Choice
• A Surviving Spouse or Common Law
Partner (including non-band members)
has an automatic right to occupy the family
home for up to 180 days. (FHRMIRA, s 14).
• The Surviving Spouse or Common Law
Partner (including non-band members)
may apply to receive half the value of the
deceased interest in the family home and
other matrimonial interests and rights on
reserve lands. (FHRMIRA, s 34)
20. 15
Can a Will be Challenged?
Yes. The Indian Act allows for a Will to be challenged. A Will can
be challenge based on the way the Will was written, or a Testator’s
choice about the giving of a gift. To avoid having your final instructions
declared Void it is important to take special care when writing your
Will. Having more than one witness present when signing your Will is
one way to avoid challenges to your Will.
Your Will or part of your Will can be declared Void in the following
circumstances:
1. You did not have Testamentary Capacity when making your Will.23
2. You did not make the Will of your own free will. For example,
you were threatened (Duress) or pressured into making it (Undue
Influence).24
3. You have not provided for a Child or person that was financially
dependant on you or that you were responsible for.25
4. Your Will is unclear or confusing. For example, your Will states:
“I give my car to my neighbour,” without giving the name of your
neighbour.26
5. You have set out terms in your Will that
are against public policy. For example, “I
give half of my Estate to my son, James,
but only if he marries a woman.”27
Duress: Threats or other
means to cause a person to do
something against his or her will.
Undue Influence: When a
person takes advantage of a
position of power over another
person.
Now That Your Will Is
Complete
Part Five
21. 16
Where Should a Will be Stored?
The original signed Will is the document that will be
used to settle your Estate. A Will should be kept safe
from fire, water, and any kind of damage. A Will can be
stored in a number of places: a safety deposit box at a
bank or a fireproof safe at home. Banks will normally let
an Executor access a safety deposit box to retrieve a Will.
You must let your named Executor know where your Will
is being kept and they must be able to locate and access
the Will. You may also want to let a family member or
someone you trust know where your Will is stored.
Changing a Will
A Will can be changed by drafting a Codicil or by making a new Will.
You cannot cross out part of your Will, for this reason it is sometimes
easier to draft a new Will. If you make a new Will, make sure you
destroy the old one with the intention to destroy the Will (shred, tear
or burn).
You should make a new Will if there are multiple or major changes to
an existing Will; or you are making changes to the Residue clause of
the Will.
Codicils should only be used when making minor changes to a Will.
However you decide to make changes to your Will, it is important to let
your Executor know of any changes you make to your Will.
22. 17
A Will is only one way to ensure the proper distribution of your
possessions following your death. A Power of Attorney and a
Personal Directive are other documents that can help you plan for the
management of your Estate and your well-being.
For more information see Mi’kmaw Wills & Estates: A Guide for Nova
Scotia Mi’kmaq - Book Three: How to Write a Power of Attorney &
Personal Directive.
Burial Instructions
It is not recommended that burial or Salite requests be placed in your
Will. This is because a Will may not be read until after the funeral. It
is better to write burial or Salite instructions in a separate document.
For instance, these types of instructions could be written as a letter to
your family. If you chose to leave burial or Salite instructions, be sure
to tell your family and friends where the instructions are located. If
you decide to include burial or Salite instructions in your Will, make
sure you tell your Executor, so they know to look at the Will before the
funeral.
Power of Attorney: Is a legal
document that lets you give
another person authority to
make financial decisions on
your behalf.
Personal Directive: Is a legal
document that allows you to
name a person you trust to
make personal and health care
decisions for you when you are
not capable of making these
decisions.
Salite: A community celebration
of life held following a funeral
during which an auction is
held to raise money to help the
relatives of the deceased and to
contribute to burial and funeral
costs.
Malakowe’jk cemetery, historical Mi’kmaq burial site.
Other Estate
Planning Tools
Part Six
23. 18
Writing a Will can be overwhelming, and may not be something you are comfortable doing yourself. You
may need a lawyer who practices in Wills and Estates and has knowledge of the rules that apply to the
Wills of Status Indians who Ordinarily Reside on Reserve and Crown lands.
Lawyers often bill their clients on an hourly rate, but some lawyers will bill you a flat fee for their service.
A lawyer may also charge for disbursements - faxing, phone calls, photocopying, postage fees, etc. Be
sure to ask your lawyer what their fee structure is in order to avoid surprises. When you hire a lawyer,
you should receive a retainer letter. In the retainer letter the lawyer will set out what legal services they
are agreeing to provide to you and how they will bill you for their time and services. If the fees change,
your lawyer should advise you immediately and obtain instructions from you before doing any more work
on your Will. A retainer letter is the best way to make sure you and the lawyer are both clear in your
expectations and obligations.
When you go to see the lawyer bring any information necessary to draft your Will. You will be asked a
lot of questions. You will need to be accurate and honest in your answers. If you do not understand your
lawyer, you must speak up and ask them to go over the part you did not understand.
Here are some questions you may want to ask at the first visit:
• How long have you been practicing law?
• How long have you been practicing in Wills and Estates?
• Do you have experience in drafting Wills for Status Indians living on reserve?
• How long will it take to draft my Will?
• What are the complications that might arise in drafting my Will? Could these complications result
in additional fees?
• Do you bill on an hourly rate or a flat fee?
Make sure to discuss the next steps if you have decided to hire this lawyer.
For more information on how to hire a lawyer, contact the Nova Scotia Barristers’ Society at
(902) 422-1491 or visit online at www .nsbs .org
Part Seven
Hiring A Lawyer to
Write Your Will
24. 19
Indigenous and Northern Affairs Canada
10 Wellington, North Tower Gatineau, Quebec
Postal Address:
Ottawa, Ontario K1A 0H4
Toll-Free: 1-800-567-9604
Website: http://www.aadnc-aandc.gc.ca/eng/1100100010002
Band Governance & Estates of Lands and Trust Services
PO Box 160
40 Havelock St .
Amherst, Nova Scotia B4H 3Z3
Toll-Free: 1-800-567-9604
Tel: 1- 902-661-6200
Legal Information Society of Nova Scotia
5523 B Young Street Halifax, NS
Toll-Free: 1-800-665-9779
Tel: 1-902-454-2198
Website: http://www.legalinfo.org/
The Confederacy of Mainland Mi’kmaq
PO Box 1590 Truro, NS B2N 5V3
Toll-Free: 1-877-892-2424
Tel: 1-902-895-6385
Website: www .cmmns .com
For More Information
25. 20
20
Appendix
Appendix A: Last Will and Testament
THIS IS THE LAST WILL AND TESTAMENT of me, [LEGAL NAME], of
[ADDRESS], in the Province of Nova Scotia.
REVOCATION
1. I HEREBY REVOKE any former Wills and Codicils and other testamentary
dispositions that I have made.
APPOINTMENT OF EXECUTOR OR EXECUTRIX
2. I APPOINT, [LEGAL NAME], of [BAND NAME], in the Province of Nova
Scotia, to be the Executor and Trustee of my Will. IF [LEGAL NAME of first
EXCUTOR] should die before me, or is unable or unwilling to act as my Executor and
Trustee, then I APPOINT, [LEGAL NAME], of [AREA of RESIDENCE], in the Province
of Nova Scotia, to be the Executrix and Trustee of this my Will.
DEBTS
3. I DIRECT that my Executor pay all my just debts, funeral and testamentary
expenses, death taxes, and all related expenses as soon as is convenient after my death.
DISTRIBUTION OF PROPERTY
4. I DIRECT MY EXECUTOR TO DISTRIBUTE all of my assets and property as follows:
a) Specific Gifts –
i. To give the primary vehicle, I own at the time of my death to, [LEGAL
NAME], of Millbrook First Nation, if he survives me for a period of
30 days. If my beneficiary fails to survive me, this gift shall fall into
the residue of my estate.
ii. To Pay and transfer the sum of $5,000.00 to, [LEGAL NAME], if
she survives me for a period of 30 days. If my beneficiary fails to survive
me, this gift shall fall into the residue of my estate.
The author and the publisher of this sample Will do not make any representations
or warranties regarding the outcome or the use to which this sample is put and are
not assuming any liability for any claims, losses, or damages arising out of the
use of this sample. The user of this sample should not rely on the author or
publisher of this sample for any professional legal advice.
Appendix
Appendix A: Last Will and Testament
26. 21
b) Residue – To divide the residue of my estate into two equal shares and
distribute them as follows:
i. Fifty percent (50%) - to, [LEGAL NAME], of Millbrook First Nation, in
the Province of Nova Scotia, if he or she survives me for a period of 30
days, for his or her own use, absolutely; and
ii. Fifty percent (50%) - to, [LEGAL NAME], of Millbrook First Nation,
Province of Nova Scotia, if he or she survives me for a period of 30
days, for his or her own use, absolutely.
In the event that, [LEGAL NAME], or, [LEGAL NAME], should predecease
me, or die within 30 days of my death, I direct my Executor to divide that
child’s share among his or her children in equal shares. If any of my children
should predecease me leaving no children, my Executor shall pay or transfer
that child’s share to his or her surviving sibling.
GUARDIANSHIP
5. I APPOINT, [LEGAL NAME] and, [LEGAL NAME] (“nickname”), or the
survivor of them, to be the guardians of any minor child of mine who are alive at the time
of my death.
IN WITNESS WHEREOF I have subscribed my name to this my Last Will and Testament,
this ____ day of __________, 20____.
_____________________________________
[LEGAL NAME of TESTATOR]
We the witnesses were present at the
request of [LEGAL NAME of TESTATOR]
when they signed this Last Will and
Testament. We then signed as witnesses in
their presence and in the presence of each
other.
[LEGAL NAME of WITNESS]
[LEGAL NAME of WITNESS]
27. 22
About the Authors
Angelina Amaral, BA, MEd, JD, is a member of the Miawpukek (Conne
River) First Nation of Newfoundland and Labrador; and is of Portuguese
heritage. She has two children, Miguel and Jayden Amaral. Through the
help and support of her parents, Adelia (John) and Miguel Amaral, she has
been able to earn an undergraduate degree in psychology from Cape Bret-
on University, a Masters of Education: Life Long Learning from Mount
Saint Vincent University; and a law degree from the Schulich School of
Law.
After articling through the Ku’tawtinu: Shared Articling Initiative, Ange-
lina, was called to the Bar in June of 2015.
Angeline Gillis, BA, LLB, was born in Sydney, Nova Scotia and was
raised in East Bay, Nova Scotia. Although a member of the Eskasoni First
Nation, Angeline and her siblings were raised off reserve by her parents,
Fred Gillis and Donna Stevens. She is the granddaughter of the late An-
drew J. Stevens, a former Keptin of the Sante’Mawi’omi.
Angeline earned her undergraduate degree from Dalhousie University in
2005 and her LL B from the Schulich School of Law (formerly Dalhousie
Law School) in 2009. After completing her articling with Boyne Clarke
Barristers and Solicitors, Angeline was called to the Bar in June 2010,
having performed her affirmation in both English and Mi’kmaq. She then
went on to become a Senior Will & Estate Planner with Scotia Private
Client Group. Angeline has worked in various areas of law; however, her
primary focus has been in Wills, Estates and Trusts.
Angeline began practicing with The Confederacy of Mainland Mi’kmaq
in October 2011 as a Wills & Estates Legal Advisor. In addition to her
work with The Confederacy, Angeline also maintains her own practice as
a Barrister & Solicitor. In her free time, Angeline sits as the Vice President
and is a coach for the Sackville Storm Minor Basketball Association She
is also a member of the Canadian Bar Association, Halifax’s Estate Plan-
ning Counsel, and is commissioned as a Notary Public.
28. 23
About the Authors
Shelly Martin, BA(Hons), MA, LLB, was born in Halifax, NS and raised
in nearby Mount Uniacke. A member of the Millbrook First Nation, she
was raised off reserve by her parents, grandparents, many aunts, uncles
and cousins.
After completing undergraduate and graduate degrees in history, Shelly
enrolled at the Schulich School of Law (formerly Dalhousie Law School)
in 2003.After articling with Boyne Clarke Barristers and Solicitors, Shelly
was called to the Bar in October 2007, the first Mi’kmaq to swear her oath
in English and Mi’kmaq. Shelly, in addition to her work as Chair of the
Justice Committee for the Halifax Aboriginal People’s Network, has sat
on the Advisory Council of the Indigenous Blacks and Mi’kmaq Initiative
at the Schulich School of Law and is a member of the board of the Halifax
and Region Military Family Resource Centre. She currently resides in Fall
River with her son, James, and her daughter, Meadow.
Andrew John, BA (Hons), JD, is an aspiring Mi’kmaq lawyer from
Conne River, Newfoundland. Having grown up on the small reserve he is
seeking to better reflect Mi’kmaq values in the current justice system and
be a role model for youth in the community.
Andrew has developed a passion for community engagement stemming
from his time before law school at Saint Mary’s University, where he
graduated magna cum laude with a Bachelor of Arts in the Criminolo-
gy program. It was in this program that Andrew volunteered with at risk
youth in the Pathways to Education initiative. Andrew has combined his
interests in community development and social justice with a prior Parale-
gal diploma from the Nova Scotia Community College, and he has found
this combination has led to a natural progression into the law.
Andrew graduated from Schulich School of Law at Dalhousie University
in 2016. He is currently taking part in the Ku’tawtinu: Shared Articling
Initiative, which allowed for a 3-month placement within Millbrook First
Nation as a way to understand and assist our Mi’kmaq communities. After
his placement with Millbrook, Andrew will continue placements with Pat-
terson Law and Stewart McKelvey to gain different perspectives on the
law.
29. 24
Endnotes
1
RSC 1985, c I-5, at ss 4(3), 5-7, 42-52 [Indian Act].
2
SC 2013, c 20 [FHRMIRA].
3
RSNS 1989, c 505.
4
Indian Act, supra note 1 at s 45(2).
5
Ibid at s 45(2).
6
Ibid at s 43(a); also see Indian Estates Regulations, CRC, 1978, c 954, s 9.
7
Indian Act, supra note 1 at s 48(1).
8
Ibid at s 48(2).
9
FHRMIRA, supra note 2 at s 36.
10
Indian Act, supra note 1 at s 46(1).
11
Ibid at s 20(1).
12
Ibid at s 20(2).
13
Ibid at ss 46(1)(d) and 50(1).
14
Ibid at s 50(2).
15
Ibid.
16
Ibid at s 50(3).
17
Indian Act, supra note 1 at s 48(1).
18
Ibid at s 48(2).
19
Ibid at s 52.
20
Ibid at s 52.3(1).
21
Ibid at s 51(1).
22
Ibid at s 51(2)(a).
23
Indian and Northern Affairs Canada, Decedent Indian Estates Procedures Manual,
Ottawa: Canada, January 2008 at 32.
24
Ibid at 31.
25
Ibid.
26
Ibid at 33.
27
Ibid.