Jan Copley - Red & Blue States Gatheringguestfb519d6
The document discusses community property laws in the United States. It begins with a pop quiz about which states have community property laws and what percentage of the population these states cover. It then provides definitions and examples of separate property and community property earned during marriage. The document discusses how community property laws affect divorce and inheritance, and considers how these laws interact with issues like retirement benefits, insurance policies, domestic partnerships, and same-sex marriage.
1) In the 1970s, wheeled luggage was introduced but clumsy and awkward. In 1989, a pilot developed the roll-aboard suitcase which led passengers to seldom use airport luggage carts, an unintended consequence.
2) The Affordable Care Act was intended to lower insurance premiums but led to the opposite - premiums rose by 9% the first year. Several provisions increased premiums more than anticipated, an unintended consequence.
3) Many state insurance co-ops formed to increase competition under the ACA ceased operations, which will increase the federal deficit more than intended and reduce availability of insurers, demonstrating unintended long term consequences of decisions.
This document discusses the impact of foreclosures on communities. It notes that 1 in 5 US foreclosures are in California, and over 1/3 of California homeowners owe more than their homes are worth. Deregulation in 1999 led to an explosion of risky subprime loans and predatory lending. Current foreclosures are due to high unemployment. The document outlines the costs of foreclosures to home values, tax bases, and local governments. It advocates for principal reduction programs and stronger regulations to help homeowners and communities impacted by foreclosures.
This document is from Mike Adams, an attorney at Williams, McDaniel, Wolfe, and Womack law firm in Memphis, TN. It discusses estate planning strategies like wills, trusts, life insurance beneficiary designations, and asset protection. It notes that estate taxes can be avoided by proper planning and coordinating assets between a will and other documents. The document also highlights changes to Tennessee and federal estate tax laws and how to modify plans accordingly.
The Bank of England extended its bond-buying program to provide 50 billion pounds in support to banks struggling under heavy debt loads, lifting bond prices but causing the value of the pound to drop. In the US, home prices remained low despite housing agencies offering loans up to 125% of home values. One of these agencies, Fannie Mae, will require another $10 billion in federal support, raising concerns about whether government intervention can solve the ongoing financial crisis.
Insurance Issues And Common Law Marriage 2009Christina Dixon
This document discusses insurance considerations and common law marriage. It outlines typical insurance policy provisions like declarations pages, definitions, exclusions, and conditions. It also discusses how common law marriage is recognized in some states, including Colorado, and matters of proving a common law marriage for insurance coverage purposes. Case law on the issue provides mixed results for determining who is covered in a common law marriage under an insurance policy.
Kansas is facing budget challenges as the state population growth has slowed, private sector jobs were lost while public sector grew, total state debt is over $15 billion, and spending is exceeding revenues. The largest portions of the state budget are spent on K-12 education at 52.4% and human services at 23.6%. Key factors increasing spending are rising human services caseloads, pension payments, special education costs, and corrections costs. The legislature will need to address the budget gap through the veto session in April or a potential special session.
The document discusses the fiscal cliff facing the U.S. government at the end of 2012, and the need for a long-term solution to reduce the deficit. It notes that allowing all the 2001/2003/2010 tax cuts to expire and automatic spending cuts to take effect could damage the economy. The document proposes that businesses advocate for a solution modeled on Simpson-Bowles that reforms taxes and reduces certain tax expenditures to lower the deficit in a balanced way. It raises questions about how and with whom businesses should engage in advocacy on this issue.
Jan Copley - Red & Blue States Gatheringguestfb519d6
The document discusses community property laws in the United States. It begins with a pop quiz about which states have community property laws and what percentage of the population these states cover. It then provides definitions and examples of separate property and community property earned during marriage. The document discusses how community property laws affect divorce and inheritance, and considers how these laws interact with issues like retirement benefits, insurance policies, domestic partnerships, and same-sex marriage.
1) In the 1970s, wheeled luggage was introduced but clumsy and awkward. In 1989, a pilot developed the roll-aboard suitcase which led passengers to seldom use airport luggage carts, an unintended consequence.
2) The Affordable Care Act was intended to lower insurance premiums but led to the opposite - premiums rose by 9% the first year. Several provisions increased premiums more than anticipated, an unintended consequence.
3) Many state insurance co-ops formed to increase competition under the ACA ceased operations, which will increase the federal deficit more than intended and reduce availability of insurers, demonstrating unintended long term consequences of decisions.
This document discusses the impact of foreclosures on communities. It notes that 1 in 5 US foreclosures are in California, and over 1/3 of California homeowners owe more than their homes are worth. Deregulation in 1999 led to an explosion of risky subprime loans and predatory lending. Current foreclosures are due to high unemployment. The document outlines the costs of foreclosures to home values, tax bases, and local governments. It advocates for principal reduction programs and stronger regulations to help homeowners and communities impacted by foreclosures.
This document is from Mike Adams, an attorney at Williams, McDaniel, Wolfe, and Womack law firm in Memphis, TN. It discusses estate planning strategies like wills, trusts, life insurance beneficiary designations, and asset protection. It notes that estate taxes can be avoided by proper planning and coordinating assets between a will and other documents. The document also highlights changes to Tennessee and federal estate tax laws and how to modify plans accordingly.
The Bank of England extended its bond-buying program to provide 50 billion pounds in support to banks struggling under heavy debt loads, lifting bond prices but causing the value of the pound to drop. In the US, home prices remained low despite housing agencies offering loans up to 125% of home values. One of these agencies, Fannie Mae, will require another $10 billion in federal support, raising concerns about whether government intervention can solve the ongoing financial crisis.
Insurance Issues And Common Law Marriage 2009Christina Dixon
This document discusses insurance considerations and common law marriage. It outlines typical insurance policy provisions like declarations pages, definitions, exclusions, and conditions. It also discusses how common law marriage is recognized in some states, including Colorado, and matters of proving a common law marriage for insurance coverage purposes. Case law on the issue provides mixed results for determining who is covered in a common law marriage under an insurance policy.
Kansas is facing budget challenges as the state population growth has slowed, private sector jobs were lost while public sector grew, total state debt is over $15 billion, and spending is exceeding revenues. The largest portions of the state budget are spent on K-12 education at 52.4% and human services at 23.6%. Key factors increasing spending are rising human services caseloads, pension payments, special education costs, and corrections costs. The legislature will need to address the budget gap through the veto session in April or a potential special session.
The document discusses the fiscal cliff facing the U.S. government at the end of 2012, and the need for a long-term solution to reduce the deficit. It notes that allowing all the 2001/2003/2010 tax cuts to expire and automatic spending cuts to take effect could damage the economy. The document proposes that businesses advocate for a solution modeled on Simpson-Bowles that reforms taxes and reduces certain tax expenditures to lower the deficit in a balanced way. It raises questions about how and with whom businesses should engage in advocacy on this issue.
The document discusses the current debt, savings, retirement, and protection crises facing many American families and provides examples to demonstrate solutions. It shows how the Martin family could pay off debts faster, get more life insurance coverage for less money per month, and increase savings and retirement funds by over $1 million by age 65 through strategies like debt consolidation, investing monthly savings, and retirement account rollovers. It promotes helping clients become debt-free, invest for the future, and protect their income with adequate insurance.
The document discusses legislation extending FDIC insurance coverage of deposits to $250,000 per depositor through December 31, 2013. It notes how this affects IOLTA accounts, which have unlimited coverage through 2009, and interest-bearing accounts for clients, which remain subject to insurance limits of $250,000 if holding over that amount in a single account. It provides a link for more information on deposit insurance changes.
This document provides an overview of basic estate tax laws, exclusions from taxable estates, gifting strategies, and generation skipping transfer tax. It discusses the estate tax rate of 45% applied to taxable estates over the exclusion amount of $3.5 million. It also describes various gifting techniques like annual exclusions of $13,000, lifetime gifting exclusions of $1 million, and irrevocable trusts including Crummey trusts to remove assets from one's estate.
Overall fraudulent tax returns totaled $8.8 billion in 2012 and $9.1 billion in 2013 according to the National Retail Federation. Fraudulent holiday returns amounted to $2.9 billion in 2012 and $3.4 billion in 2013. The source and years of the data are the National Retail Federation for 2012 and 2013.
There are many decisions loved ones must make immediately following a loss. Putting together a final expense program with a licensed professional so their loved ones won’t have to worry about financial pitfalls that accompany these important decisions will help ease their mind and their potential burden.
The document summarizes the tax credit available for first-time home buyers under legislation passed by Congress in 2009. The tax credit was up to $8,000 for homes purchased between January 1, 2009 and December 1, 2009. The tax credit was available to single filers with incomes up to $75,000 and joint filers up to $150,000. The tax credit did not need to be repaid and was equal to 10% of the home's purchase price, up to a maximum of $8,000. The summary encourages contacting the mortgage company to learn more about eligibility for the limited-time tax credit.
Estate and Gift Tax Laws: New Rules - Dec. 2011RobertWBaird
The document summarizes new rules for estate and gift taxes under legislation passed in December 2010. It outlines increases to the estate and gift tax exemption amounts to $5 million per person and $10 million per married couple. The top tax rate was lowered to 35%. Executors can elect to apply the new rules retroactively for those who died in 2010. Other changes include reunifying the estate and gift tax systems, and allowing portability of unused exemptions between spouses. However, the changes only apply through 2012 unless extended by Congress.
Local Transit Union Pres. opposes Gov. ODonnell’s threat to withhold Metro fundsMcKinney and Associates
In a letter to Virginia Governor Robert McDonnell, the president of the local transit union urged the governor to release $50 million in matching funds for Metro that are needed to collect a $150 million federal grant. The grant and funds would be used to make safety improvements to Metro, including replacing 1000-series railcars. The union president disagreed with withholding the funds, saying it would not improve safety and would go against the memory of nine people who died in a Metro accident a year ago, including a train operator. The president also disagreed that adding oversight positions from Virginia would increase accountability over funding and safety.
The document provides information on housing assistance programs offered by the Choctaw Nation of Oklahoma, including rental assistance, home finance assistance, mutual help housing development, and affordable rental and elderly housing. It summarizes each program's eligibility requirements and funding sources. Contact information is provided for each housing program director and local site contacts.
The document provides financial information in a game show format. It covers topics like credit scores, retirement planning, home buying, investing, estate planning, and taxes. The questions range from 100 to 500 points and cover key details about credit reports, Social Security, IRAs, mortgages, property taxes, mutual funds, beneficiary designations, capital gains, and more.
The document discusses a new Minnesota Housing Preferred Risk Sharing Program that provides more affordable home buying options for first-time homebuyers. The program offers 97% loan-to-value, only requires a 3% down payment that can be fully gifted, and does not require private mortgage insurance. It has generous income limits up to $83,900 in the Twin Cities metro area. The program provides a more affordable option for first-time homebuyers by eliminating monthly mortgage insurance payments and does not require reserves or extra down payment funds beyond the 3%.
This document advocates bringing call center jobs back to Long Island from offshore locations. It notes that over 350,000 call center jobs have been lost in the last 10 years as companies have moved operations overseas. The document proposes that Long Island is well-suited for call centers due to available labor, office space, and incentives that could be offered like tax reductions, grants, and discounts on real estate and utilities to attract companies. It encourages contacting local legislators to promote adopting such incentives to create call center jobs in Long Island.
This document defines key financial terms used to understand expenses, assets, liabilities, and credit situations. It distinguishes between fixed expenses that remain constant each month, variable expenses that fluctuate, and fixed variable expenses whose costs change slightly. Assets are things owned that have value, while liabilities are debts owed. Being solvent means having more assets than debts, while being insolvent is having more debts than assets. The document also defines favorable and unfavorable credit situations, as well as other terms like disposable income and discretionary income.
Prenuptial Agreement Lawyer
How to Draft a Prenup You Never Plan to Use
Presented by Melinda M. Previtera, Esquire with
Petrelli Previtera, LLC
https://www.petrellilaw.com/our-team/melinda-m-previtera/
Our Offices in Philadelphia & New Jersey
PHILADELPHIA (215) 523-6900 1845
Walnut Street, 19th Floor Philadelphia, PA 19103
NORRISTOWN (610) 924-2870
516 DeKalb Street, Suite C Norristown, PA 19401 Details
DOYLESTOWN (267) 938-4480
40 E Court Street 2nd Floor Doylestown, PA 18901
VOORHEES, NJ (201) 655-7204 1020
1020 Laurel Oak Road, Suite 203, Voorhees, NJ 08043
CHICAGO (312) 252-2085
180 North Stetson Suite 3500 Chicago, IL 60601
PRINCETON, NJ (609) 917 9560
29 Emmons Drive Suite E-30 Princeton, NJ 08540
LINWOOD, NJ (609) 375-0351
210 New Road #15 Linwood, NJ 08221
This document appears to be a personal budget and financial summary for Jordan May that includes monthly expenses like mortgage, phone, cable, utilities, food, and entertainment. It also lists assets like a house, car, and computer, as well as liabilities such as rent, gas, and water bills. The net worth has declined in recent years due to falling stock prices.
4e24ad07bc6f7 aw save,give,share,earn flier071811Ivy Harris
This document outlines a 4-step plan to promote wind power in America. It discusses how investing in wind power can help reduce foreign energy dependence and create jobs while improving air quality. It encourages individuals to purchase wind power certificates from North American Power, which will donate $1 per month to charity. It also provides tools to share the message and potentially earn income based on referrals to the program.
This document defines and provides examples of key money management terms:
- Budgeting involves creating a plan to pay all expenses including savings from one's income. The example shows saving 25% of each paycheck for college.
- Risk refers to the chance of loss, with higher risk investments potentially leading to bigger gains or losses. Wearing a helmet lowers the risk of injury from biking.
- Insurance protects against specified losses, like health insurance covering illnesses or car insurance required in Missouri. Thankfully, car insurance covered an accident in a school parking lot.
This document summarizes the annual budgets for two individuals, Julius Chen who works as a chef and earns $40,000 annually, and Lawrence Hu who is a firefighter earning $45,000. It details their after-tax incomes, savings amounts, housing costs for an apartment they will share in New York City, health insurance costs, transportation via public transit, utilities, food costs, and extracurricular expenses. By the end of the year, Julius has $946 remaining and Lawrence has $732 remaining after accounting for all expenses.
This document provides an update on estate planning in light of recent tax law changes. It discusses how the 2012 American Taxpayer Relief Act made many tax rules permanent, including income tax rates, capital gains taxes, estate and gift tax exclusions. It notes that while some aspects have changed, like the increased charitable deduction, estate planning still focuses on protecting yourself, your family and your legacy. It outlines various estate planning tools people can use to achieve their goals, including trusts, charitable gifts and donations. The overall message is that estate planning can still help people accomplish their various financial, tax and philanthropic objectives.
Guarding Your Next Egg: Asset Protection and Retirement Accountsjancopley
This document discusses ways to protect retirement assets and nest eggs from creditors and predators. It outlines asset protection basics, including using exemptions, entities, and trusts to shield assets. Specific strategies covered for protecting retirement plans and beneficiaries include using trusts as IRA owners or beneficiaries, domestic asset protection trusts, and offshore trusts. The document stresses that while complex, asset protection for retirement funds can be achieved through careful planning.
Este documento proporciona instrucciones para construir casas nido, incluyendo una descripción de las aves locales, materiales necesarios, planos y herramientas requeridas. Explica los pasos a seguir como determinar el objetivo, investigar las condiciones iniciales, planificar el diseño y colocar la casa nido de manera adecuada para las aves de la zona del Parque Natural del Montseny.
The document discusses the current debt, savings, retirement, and protection crises facing many American families and provides examples to demonstrate solutions. It shows how the Martin family could pay off debts faster, get more life insurance coverage for less money per month, and increase savings and retirement funds by over $1 million by age 65 through strategies like debt consolidation, investing monthly savings, and retirement account rollovers. It promotes helping clients become debt-free, invest for the future, and protect their income with adequate insurance.
The document discusses legislation extending FDIC insurance coverage of deposits to $250,000 per depositor through December 31, 2013. It notes how this affects IOLTA accounts, which have unlimited coverage through 2009, and interest-bearing accounts for clients, which remain subject to insurance limits of $250,000 if holding over that amount in a single account. It provides a link for more information on deposit insurance changes.
This document provides an overview of basic estate tax laws, exclusions from taxable estates, gifting strategies, and generation skipping transfer tax. It discusses the estate tax rate of 45% applied to taxable estates over the exclusion amount of $3.5 million. It also describes various gifting techniques like annual exclusions of $13,000, lifetime gifting exclusions of $1 million, and irrevocable trusts including Crummey trusts to remove assets from one's estate.
Overall fraudulent tax returns totaled $8.8 billion in 2012 and $9.1 billion in 2013 according to the National Retail Federation. Fraudulent holiday returns amounted to $2.9 billion in 2012 and $3.4 billion in 2013. The source and years of the data are the National Retail Federation for 2012 and 2013.
There are many decisions loved ones must make immediately following a loss. Putting together a final expense program with a licensed professional so their loved ones won’t have to worry about financial pitfalls that accompany these important decisions will help ease their mind and their potential burden.
The document summarizes the tax credit available for first-time home buyers under legislation passed by Congress in 2009. The tax credit was up to $8,000 for homes purchased between January 1, 2009 and December 1, 2009. The tax credit was available to single filers with incomes up to $75,000 and joint filers up to $150,000. The tax credit did not need to be repaid and was equal to 10% of the home's purchase price, up to a maximum of $8,000. The summary encourages contacting the mortgage company to learn more about eligibility for the limited-time tax credit.
Estate and Gift Tax Laws: New Rules - Dec. 2011RobertWBaird
The document summarizes new rules for estate and gift taxes under legislation passed in December 2010. It outlines increases to the estate and gift tax exemption amounts to $5 million per person and $10 million per married couple. The top tax rate was lowered to 35%. Executors can elect to apply the new rules retroactively for those who died in 2010. Other changes include reunifying the estate and gift tax systems, and allowing portability of unused exemptions between spouses. However, the changes only apply through 2012 unless extended by Congress.
Local Transit Union Pres. opposes Gov. ODonnell’s threat to withhold Metro fundsMcKinney and Associates
In a letter to Virginia Governor Robert McDonnell, the president of the local transit union urged the governor to release $50 million in matching funds for Metro that are needed to collect a $150 million federal grant. The grant and funds would be used to make safety improvements to Metro, including replacing 1000-series railcars. The union president disagreed with withholding the funds, saying it would not improve safety and would go against the memory of nine people who died in a Metro accident a year ago, including a train operator. The president also disagreed that adding oversight positions from Virginia would increase accountability over funding and safety.
The document provides information on housing assistance programs offered by the Choctaw Nation of Oklahoma, including rental assistance, home finance assistance, mutual help housing development, and affordable rental and elderly housing. It summarizes each program's eligibility requirements and funding sources. Contact information is provided for each housing program director and local site contacts.
The document provides financial information in a game show format. It covers topics like credit scores, retirement planning, home buying, investing, estate planning, and taxes. The questions range from 100 to 500 points and cover key details about credit reports, Social Security, IRAs, mortgages, property taxes, mutual funds, beneficiary designations, capital gains, and more.
The document discusses a new Minnesota Housing Preferred Risk Sharing Program that provides more affordable home buying options for first-time homebuyers. The program offers 97% loan-to-value, only requires a 3% down payment that can be fully gifted, and does not require private mortgage insurance. It has generous income limits up to $83,900 in the Twin Cities metro area. The program provides a more affordable option for first-time homebuyers by eliminating monthly mortgage insurance payments and does not require reserves or extra down payment funds beyond the 3%.
This document advocates bringing call center jobs back to Long Island from offshore locations. It notes that over 350,000 call center jobs have been lost in the last 10 years as companies have moved operations overseas. The document proposes that Long Island is well-suited for call centers due to available labor, office space, and incentives that could be offered like tax reductions, grants, and discounts on real estate and utilities to attract companies. It encourages contacting local legislators to promote adopting such incentives to create call center jobs in Long Island.
This document defines key financial terms used to understand expenses, assets, liabilities, and credit situations. It distinguishes between fixed expenses that remain constant each month, variable expenses that fluctuate, and fixed variable expenses whose costs change slightly. Assets are things owned that have value, while liabilities are debts owed. Being solvent means having more assets than debts, while being insolvent is having more debts than assets. The document also defines favorable and unfavorable credit situations, as well as other terms like disposable income and discretionary income.
Prenuptial Agreement Lawyer
How to Draft a Prenup You Never Plan to Use
Presented by Melinda M. Previtera, Esquire with
Petrelli Previtera, LLC
https://www.petrellilaw.com/our-team/melinda-m-previtera/
Our Offices in Philadelphia & New Jersey
PHILADELPHIA (215) 523-6900 1845
Walnut Street, 19th Floor Philadelphia, PA 19103
NORRISTOWN (610) 924-2870
516 DeKalb Street, Suite C Norristown, PA 19401 Details
DOYLESTOWN (267) 938-4480
40 E Court Street 2nd Floor Doylestown, PA 18901
VOORHEES, NJ (201) 655-7204 1020
1020 Laurel Oak Road, Suite 203, Voorhees, NJ 08043
CHICAGO (312) 252-2085
180 North Stetson Suite 3500 Chicago, IL 60601
PRINCETON, NJ (609) 917 9560
29 Emmons Drive Suite E-30 Princeton, NJ 08540
LINWOOD, NJ (609) 375-0351
210 New Road #15 Linwood, NJ 08221
This document appears to be a personal budget and financial summary for Jordan May that includes monthly expenses like mortgage, phone, cable, utilities, food, and entertainment. It also lists assets like a house, car, and computer, as well as liabilities such as rent, gas, and water bills. The net worth has declined in recent years due to falling stock prices.
4e24ad07bc6f7 aw save,give,share,earn flier071811Ivy Harris
This document outlines a 4-step plan to promote wind power in America. It discusses how investing in wind power can help reduce foreign energy dependence and create jobs while improving air quality. It encourages individuals to purchase wind power certificates from North American Power, which will donate $1 per month to charity. It also provides tools to share the message and potentially earn income based on referrals to the program.
This document defines and provides examples of key money management terms:
- Budgeting involves creating a plan to pay all expenses including savings from one's income. The example shows saving 25% of each paycheck for college.
- Risk refers to the chance of loss, with higher risk investments potentially leading to bigger gains or losses. Wearing a helmet lowers the risk of injury from biking.
- Insurance protects against specified losses, like health insurance covering illnesses or car insurance required in Missouri. Thankfully, car insurance covered an accident in a school parking lot.
This document summarizes the annual budgets for two individuals, Julius Chen who works as a chef and earns $40,000 annually, and Lawrence Hu who is a firefighter earning $45,000. It details their after-tax incomes, savings amounts, housing costs for an apartment they will share in New York City, health insurance costs, transportation via public transit, utilities, food costs, and extracurricular expenses. By the end of the year, Julius has $946 remaining and Lawrence has $732 remaining after accounting for all expenses.
This document provides an update on estate planning in light of recent tax law changes. It discusses how the 2012 American Taxpayer Relief Act made many tax rules permanent, including income tax rates, capital gains taxes, estate and gift tax exclusions. It notes that while some aspects have changed, like the increased charitable deduction, estate planning still focuses on protecting yourself, your family and your legacy. It outlines various estate planning tools people can use to achieve their goals, including trusts, charitable gifts and donations. The overall message is that estate planning can still help people accomplish their various financial, tax and philanthropic objectives.
Guarding Your Next Egg: Asset Protection and Retirement Accountsjancopley
This document discusses ways to protect retirement assets and nest eggs from creditors and predators. It outlines asset protection basics, including using exemptions, entities, and trusts to shield assets. Specific strategies covered for protecting retirement plans and beneficiaries include using trusts as IRA owners or beneficiaries, domestic asset protection trusts, and offshore trusts. The document stresses that while complex, asset protection for retirement funds can be achieved through careful planning.
Este documento proporciona instrucciones para construir casas nido, incluyendo una descripción de las aves locales, materiales necesarios, planos y herramientas requeridas. Explica los pasos a seguir como determinar el objetivo, investigar las condiciones iniciales, planificar el diseño y colocar la casa nido de manera adecuada para las aves de la zona del Parque Natural del Montseny.
Este documento contiene varios anuncios de empleo relacionados con la enfermería en España. Incluye puestos como DUE, enfermero/a, formador/a y docente buscados por hospitales, empresas de prevención y centros de formación en diferentes ciudades españolas. Los requisitos incluyen titulación de enfermería, experiencia y en algunos casos idiomas o especializaciones.
Web 2.0 y Blogs en la clase de Idiomas. Valencia Marzo 2010Juan France
El documento describe el uso de blogs en la enseñanza de idiomas. Explica que los blogs requieren un marco pedagógico constructivista y dinámico que aproveche sus características. También explora cómo los blogs pueden usarse para compartir información, realizar trabajos de clase, mantener un diario y fomentar la autonomía, comunicación y cooperación entre estudiantes.
El documento describe los principales elementos de un computador, incluyendo software, hardware y periféricos. El software se refiere a los programas informáticos, el hardware son los componentes físicos de una computadora, y los periféricos permiten la entrada y salida de información al sistema para visualizar resultados o introducir datos.
IntervencióN Smh Cong. Int. Nuevo Periodismo V2.0muriel sebas
Este documento describe cómo la sociedad está cada vez más integrada en la red y cómo el uso de Internet ha cambiado en los últimos años. Cada vez más ciudadanos, empresas y administraciones usan la red, y la presencia digital ya no es opcional sino necesaria. El comercio electrónico ha crecido un 71.4% y hay 8 millones de compradores en Internet.
DNA Didactic kits I DNA easy & fun learningDNADidactic
The main aim of these kits is that the students get to know the structure and main characteristics of DNA through a 360º learning approach which includes: assembling of the molecule, didactic guide with exercises and activities together with audiovisual material in order to deepen the knowledge and make it attractive .
1) O documento relata as notícias da cidade de Santa Maria Madalena, incluindo o Carnaval, novos conselheiros municipais, e a preservação de prédios históricos.
2) A Pro Tork patrocinará o maior evento de motocross do país, com oito etapas previstas entre abril e novembro.
3) A Unidos da Tijuca foi campeã do Carnaval do Rio de Janeiro de 2010 com um enredo sobre ilusionismo.
El documento describe una empresa española de nanotecnología y tecnologías digitales que ofrece soluciones innovadoras en varias áreas incluyendo descontaminación de aire y agua, protección de superficies, generación de agua, y tecnologías de la información. La empresa ha ganado premios por su trabajo en I + D + i y ofrece una variedad de productos y servicios basados en nanopartículas y otras tecnologías.
Este documento presenta un resumen de la revista Verde es Vida de otoño-invierno 2013. Ofrece ideas para actualizar jardines y terrazas según las últimas tendencias, e incluye artículos sobre ásteres, rhipsalis, arces autóctonos y cómo cultivar arándanos. También promueve visitar los centros de jardinería para acceder a una gran variedad de plantas y productos, así como asesoramiento experto.
El documento resume los servicios que ofrece el primer Centro Humanidad en Bogotá, el cual brinda alojamiento y alimentación diaria a adultos y ancianos en situación de calle. También habla sobre los avances en la construcción del Metrocable de Ciudad Bolívar y las declaraciones de Manuel Sánchez confirmando que hubo un complot para sabotear el modelo de aseo implementado en Bogotá en 2012.
Algunos significados de la escuela para los adolescentesEstrella04
El documento resume los significados de la escuela para los estudiantes, incluyendo la oportunidad de superación personal y encontrar amistades, así como el requisito para continuar su educación y conseguir un trabajo. También discute las exigencias de los estudiantes como cargas de trabajo y condiciones económicas, y la labor del maestro en el proceso educativo.
Este documento presenta un proyecto educativo llamado "Fundación Niño a Niño" que busca implementar un enfoque de educación en salud escolar con énfasis en enfermedades infecciosas y resistencia a antibióticos. El proyecto coordinará talleres de capacitación para profesores, desarrollará módulos educativos, y utilizará educación virtual para complementar encuentros presenciales. El objetivo general es promover prácticas saludables a través de la metodología "Niño a Niño" y los ejes
Este documento presenta información personal y profesional de Rosa Linda Chapa Rodríguez. Incluye su fecha y lugar de nacimiento, dirección, teléfono, correo electrónico, experiencia laboral en Photo Look Digital Studio e Instituto Electoral de Tamaulipas, estudios en inglés y la Universidad Autónoma de Nuevo León, y aficiones como la fotografía, repostería y diseño.
Rafael aleman-berenguer-muestra-201001081120raalbe autor
Rafael A. Alemañ Berenguer presentará su libro "Fronteras de la realidad: la ciencia y lo inexplicado" en el Museo de la Ciencia y el Agua, el cual examina temas como la existencia de vida extraterrestre, poderes mentales y la vida después de la muerte de manera objetiva y basada en hechos para arrojar conclusiones sobre estos enigmas.
1) El documento describe las cuádricas, superficies definidas por ecuaciones de segundo grado. 2) Las cuádricas se clasifican según sus invariantes en elipsoides, hiperboloides, paraboloides, cilindros y pares de planos. 3) Cada cuádrica tiene una ecuación reducida que simplifica su representación colocando el centro en el origen y relacionando los ejes con la forma de la superficie.
Indicador d´Economía nº 157 El comercio electrónico aceleraManuel Viña
PRIMER PERIÓDICO ECONÓMICO DE LAS COMARCAS DE TARRAGONAINDICADOR DE ECONOMÍA es el primer y único periódico de información económica y empresarial con sede en la provincia de Tarragona. Operativo desde Octubre del año 2000, se envía directamente, a través de suscripción personalizada a empresarios, directivos, profesionales, organismos e instituciones.
Curso Decoração de Interiores Vila Nova de Gaia apresentação Liliana SilvaPortal do Sucesso
Este documento apresenta o projeto de decoração de um quarto de casal em estilo contemporâneo desenvolvido por Liliana Silva para o curso de Decoração de Interiores do Portal Decor. O projeto utiliza cores quentes como vermelho e tons de terra, e mobiliário moderno de vidro, aço inox e madeiras claras. O documento inclui detalhes sobre conceito, cores, divisão, mobiliário, iluminação e orçamento.
The document discusses when life insurance is needed and when it may not be necessary. It states that life insurance is important for families where the breadwinner could leave dependents without income if they pass away. However, young people without dependents usually do not need life insurance. The document also warns that disability is a larger risk than death, so disability insurance is generally a better option for people without dependents. Later in life, individuals may no longer need life insurance if they have sufficient retirement savings and no debts or dependents.
This document summarizes a presentation by attorney Jo Anne Hinds on living trusts for parents. She discusses how living trusts can [1] simplify your estate, [2] reduce administrative costs, and [3] help accomplish your goals for distributing your assets and providing for your care, compared to a will. She outlines the differences between a will and a living trust, and stresses the importance of being organized, choosing counsel wisely, and reviewing your estate plan regularly to account for any changes. Hinds' presentation aims to help parents make smart choices about wills and trusts.
Fife & cesta's official and complete bankruptcy survival guidefifecesta
The Law Offices Of Fife & Cesta, PLC is a Mesa, Arizona bankruptcy law firm that provides bankruptcy services to clients around Arizona.
They have issued this over 60 page guide to getting through bankruptcy as a service for their bankruptcy clients and for anyone examining the options offered by filing for debt relief under the federal Bankruptcy code.
FPA Masterclass in Estate Planning August 2016Gil Gordon
This document summarizes the estate planning needs of Steve and Naomi based on their family situation. It notes that Steve and Naomi, along with Roger and Aunt Myra, are dependent on Naomi financially. Their assets include super, shares, cash and a life tenancy in a home. The document recommends estate planning solutions to address tax implications, protect assets from divorce or bankruptcy risks, and provide for dependents like Roger, Aunt Myra and Rachel. It identifies issues around guardianship, unequal marriage contributions, and differing will provisions between Steve and Naomi.
Everything You Always Wanted To Know About Family Trusts But Were Afraid To AskBruce Givner
Family Trusts. Living Trusts. Inter Vivos Trusts. Revocable Trusts. Synonyms for trusts that are "Will substitutes." They help avoid probate and the need for a conservatorship. They help reduce the fees, including trustee and attorney fees, and delays of probate. Most of the documents are boilerplate, but why? What's wrong with using LegalZoom and other document preparation software? Must you file an IRS Form 1041 for a family trust? Must the living trust get its own EIN? What is a subtrust? What is an administrative trust? What is a grantor? A protector? A complex trust? How is competence determined? Are "no contest" clauses enforceable? Are illegitimate children "heirs"? Must a living trust be notarized? Must it be recorded? What is a "pourover" Will? What is a codicil? What is a holographic will? What is a personal property memorandum? What makes a power of attorney "durable"? What is a health care directive?
What is a "springing" power of attorney? What is a "pot" trust? What is a "specific" bequest? When should I use a corporate trustee? What's the difference between a fiduciary bond and fiduciary insurance? What is a trust certificate? What is a "blanket" assignment of assets? What is "per stirpes"? What is the rule against perpetuities?
Business valuation
Legal & accounting fees
Executor/administrator expenses
An estate plan is important to preserve assets, ensure they are distributed according to your wishes, and minimize taxes. Your estate includes all property you own such as real estate, vehicles, bank accounts, retirement accounts, and life insurance. Assets transfer either directly by beneficiary designation, jointly with a spouse, through probate, or via a trust. Probate involves court supervision of distributing assets according to a will or state law and can be costly. Trusts avoid probate and provide lifetime management of assets. Estate settlement costs include funeral expenses, taxes, appraisals, legal and accounting fees.
This document summarizes the inaugural Comic Retreat event held in Vero Beach, Florida. The retreat brought together young comics and industry professionals for comedy shows and networking events around the city. The last event was headlined by veteran comic Hank Western and featured emerging talents. Organizers were pleased with the first year despite some challenges, and are already planning next year's retreat while pursuing other cities to host in 2012.
The document discusses marriage, divorce, and annulment laws. It provides information on prenuptial agreements, common law marriage, grounds for annulment and divorce, divorce statistics, property division during divorce, alimony, and palimony. Celebrities' prenuptial agreements and divorces are used as examples.
The document discusses various topics related to marriage, divorce, and annulment. It provides information on:
- Common reasons people get married and the legal aspects of marriage
- Celebrities' prenuptial agreements, including specific details on Tom Cruise and Katie Holmes, Denise Richards and Charlie Sheen, and Khloe Kardashian and Lamar Odom's prenups
- Grounds for annulment such as fraud, coercion, mental incapacity, and physical incapacity
- Divorce statistics including rates of divorce for first, second, and third marriages
- Factors considered in property division and alimony decisions during a divorce
This document provides information about federally insured cash accounts and reverse mortgages. It summarizes that these programs allow homeowners age 62 or older to tap into their home equity for cash without making monthly payments. The cash can be used for various expenses and is only repaid when the homeowner passes away or sells the home, with no liability for heirs. It encourages contacting Ginny Cooper at 800-554-4325 to learn more about qualifying and applying.
The document discusses challenging the recession by changing the economy through various means. It proposes that we can change the economy and discusses establishing green credit for green purposes to ameliorate climate change. It also discusses establishing a public credit system as an alternative to the current debt-based monetary system and engaging in petitions and meetings to promote this issue.
The document discusses the importance of having a will and the consequences of dying without one. It notes that up to 70% of UK adults do not have a valid will. Dying without a will means that inheritance will be determined by intestacy laws, which may lead to unexpected inheritance and guardianship outcomes. The document encourages taking action now to engage a professional will writer and ensure your assets are passed to the people and causes you want through a will.
The document discusses how a reverse mortgage can help seniors access money to pay for retirement, medical expenses, and to continue living in their homes. A reverse mortgage allows seniors over 62 to access equity in their home without making monthly payments. It has helped over half a million seniors with financial concerns by providing proceeds that can be used for any purpose without income, credit, or health requirements. Seniors are encouraged to call or visit a website for more information on how a reverse mortgage could offer access to more money while continuing to live in their home.
The document is a calendar of events for the Exchange Club of Irvine, which is a service organization focused on community programs. It lists upcoming events in July and August, including guest speakers on topics like education grants and women's development. It also provides meeting location details.
The document discusses several topics related to same-sex marriage from a Catholic perspective:
1. It outlines the Catholic Church's opposition to same-sex marriages, noting they will never be recognized.
2. It discusses the Church's view that marriage has both procreative and unitive aspects, and that allowing same-sex marriage denies its inherent procreative nature and definition.
3. It examines some of the accepted grounds for annulment in the Catholic Church, including lack of intention, incapacity, ignorance, and force or fear.
This document discusses reasons to save a marriage rather than pursue divorce. It notes the high financial and emotional costs of divorce, and that divorced individuals are often not happier than unhappily married couples who stay together. Statistics show remarriages have higher divorce rates than first marriages. Cohabiting before marriage also increases divorce risk. Children of divorced parents have more interpersonal issues and higher rates of divorce themselves. However, married individuals tend to be healthier and live longer. Marriage provides emotional support during hard times. Staying committed through challenges reinforces the relationship. Happily married couples recognize marriage requires ongoing investment and work to overcome challenges.
- Many people delay estate planning and do not appoint guardians for their children if they die. They also do not plan for what happens if no one claims their property after death.
- When creating a will and estate plan, it is important to consider all family relationships and dependents to ensure fair treatment. One should disclose all important relationships to their lawyer.
- Estate planning now also involves virtual assets like passwords, emails and online accounts. One needs to decide how these will be handled after death and ensure executors can access them.
Allama Iqbal Essay In English Easy WordsRosa Williams
The document provides instructions for requesting writing assistance from HelpWriting.net in 5 steps: 1) Create an account with a password and email. 2) Complete a 10-minute order form with instructions, sources, and deadline. 3) Review bids from writers and choose one based on qualifications. 4) Review the completed paper and authorize payment if pleased. 5) Request revisions until fully satisfied, with a refund option for plagiarized work. The service aims to provide original, high-quality content through a bidding system and revision process.
Presented by Brian Vertz, Esq., MBA, AVA at Pennsylvania Bar Institute Family Law Update in October 2006. Describes current issues and case law in child support, spousal support, and alimony pendente lite.
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Essential Tools for Modern PR Business .pptxPragencyuk
Discover the essential tools and strategies for modern PR business success. Learn how to craft compelling news releases, leverage press release sites and news wires, stay updated with PR news, and integrate effective PR practices to enhance your brand's visibility and credibility. Elevate your PR efforts with our comprehensive guide.
Here is Gabe Whitley's response to my defamation lawsuit for him calling me a rapist and perjurer in court documents.
You have to read it to believe it, but after you read it, you won't believe it. And I included eight examples of defamatory statements/
El Puerto de Algeciras continúa un año más como el más eficiente del continente europeo y vuelve a situarse en el “top ten” mundial, según el informe The Container Port Performance Index 2023 (CPPI), elaborado por el Banco Mundial y la consultora S&P Global.
El informe CPPI utiliza dos enfoques metodológicos diferentes para calcular la clasificación del índice: uno administrativo o técnico y otro estadístico, basado en análisis factorial (FA). Según los autores, esta dualidad pretende asegurar una clasificación que refleje con precisión el rendimiento real del puerto, a la vez que sea estadísticamente sólida. En esta edición del informe CPPI 2023, se han empleado los mismos enfoques metodológicos y se ha aplicado un método de agregación de clasificaciones para combinar los resultados de ambos enfoques y obtener una clasificación agregada.
04062024_First India Newspaper Jaipur.pdfFIRST INDIA
Find Latest India News and Breaking News these days from India on Politics, Business, Entertainment, Technology, Sports, Lifestyle and Coronavirus News in India and the world over that you can't miss. For real time update Visit our social media handle. Read First India NewsPaper in your morning replace. Visit First India.
CLICK:- https://firstindia.co.in/
#First_India_NewsPaper
An astonishing, first-of-its-kind, report by the NYT assessing damage in Ukraine. Even if the war ends tomorrow, in many places there will be nothing to go back to.
Acolyte Episodes review (TV series) The Acolyte. Learn about the influence of the program on the Star Wars world, as well as new characters and story twists.
1. How Community Property Affects You and Your
Practice, Even Though You Think it Doesn’t!
The
Red State Blue State
Perspective
Jan Copley and Brad Wiewel
The Gathering February 27, 2009
3. What is Community Property, Exactly?
• Separate Property • Community Property
– Owned by spouse – Earned during marriage
– Forced share – Each spouse owns ½
– Brought into marriage – Each spouse has right
by gift or inheritance to control whole
– No forced share rights
3
4. That’s Not So Hard!
So What’s So Special About It?
Let me tell you a real-life story
4
5. How Do You Decide What’s What?
Another real-life story!
5
6. What Happens to the Stuff?
• Divorce • Death
– Spouse’s share of – Spouse’s share of
community property community property
distributed to him/her distributed by will or
– Includes interests in trust (not necessarily
retirement benefits, to survivor!)
insurance policies
6
12. Defense of Marriage Act
aka Defense Against Marriage Act
PUBLIC LAW 104–199—SEPT. 21, 1996 110 STAT. 2419
Public Law 104–199
104th Congress
An Act To define and protect the institution of marriage.
Be it enacted by the Senate and House of Representatives of
the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ‘‘Defense of Marriage Act’’.
12
13. Thank You For Joining Us
Jan Copley Brad Wiewel
Attorney at Law Attorney at Law
300 North Lake Avenue 1601 Rio Grande
Suite 920 Suite 550
Pasadena, CA 91101 Austin, TX 78701
Phone: 626-568-4020 Phone: 512-480-8828
Fax: 626-568-4025 Fax: 512-480-0888
Email: jan.copley@jancopley.com Email: brad@texastrustlaw.com
Web: www.jancopley.com Web: www. texastrustlaw.com
PowerPoint Presentation by SmartMarketing 2009