Steps to Building an Emergency Fund – AGT The Safe Money People

Ben Franklin once declared, “A penny saved is a penny earned.” Yet, equally enlightening are his thoughts on expenses: “Beware of little expenses. A small leak will sink a great ship.”

And there are plenty of “leaks” that can scuttle an already-tight budget. For instance, a spouse idled by the sour economy, a fender bender with the family car, or an unexpected hospitalization. Thats why financial advisors recommend that you have a rainy-day fundenough liquid assets to cover three to six months worth of emergency living expenses. In case of financial emergency, access to additional money will save you from relying on credit cards or loans that simply compound the problem.

When starting an emergency fund, here are a few tips to abide by:

1.Determine what amount is best for you. Most experts agree that you should keep between three and six months worth of your living expenses set aside in your emergency fund. Your specific situation whether you have children, carry substantial debt and types of insurance coverage you have will determine what amount is best for you. Examine your situation your income and your needs to decide how much you should save.

2.Start small. Starting an emergency fund can be as simple as depositing $100 into your high-interest savings account. But before you begin, be sure that youre meeting your basic living expenses. And as you build your emergency fund, be sure youre also reducing your spending and avoiding debt.

3.Stick to a schedule. Get into the habit of making regular deposits. Whether it is weekly, bi-weekly or monthly, create a schedule and stick to it. Once you make saving automatic, you wont even have to think about it.

4.Consider an online savings account. In many cases, an “online” savings account may make more sense than an account at a traditional, bricks-and-mortar bank. Thats because many traditional banks are not currently offering a savings option with interest rates high enough to meaningfully beat inflation. In addition, an online savings account is a reliable way to manage your money.

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Jessica Kirk Professional Lawyer

Dedication to the practice of family law has helped lawyer Jessica Kirk build a solid reputation as a divorce lawyer. Her compassionate and knowledgeable approach to the issues of divorce has helped her clients successfully resolve many of the associated issues, such as child custody, alimony, and division of property. She has represented both men and women in divorce cases and along with her partners at The Crittenden Law Firm in Birmingham, Alabama she uses her experience and the firms dedication to resolving family issues to provide expert service.

As a graduate of the University of Alabama Law School and a member of such organizations as the American Academy of Matrimonial Lawyers, lawyer Jessica Kirk approaches her work with dedication and integrity. Her divorce clients receive not only expert legal representation, but solid guidance through every step of the process.

About the University of Alabama Law School:

Throughout history, the laws for combating piracy became a key building block for todays international legal system. Alabama Laws Dean Kenneth C. Randall surveys the unique, historical relationship between piracy and international law during NPRs special report, “An Old Scourge, Piracy, Is New Again,” on Monday, May 4.

Since 1994, Alabama has had a law in place requiring all convicted felons to submit a DNA sample. But that could soon change. A bill currently making its way through the state legislature would allow for a DNA sample to be taken from everyone arrested and charged with a felony or sexual offense after October 2010. David Patton, assistant professor and director of Alabama Laws Criminal Defense Clinic, speaks with Alabama Public Radio about potential pitfalls should this bill become law in the Wednesday, May 6 story, “Making It Legal To Take DNA From Felony Arrestees In Ala.”

The Career Services Office reported 97.4% of Alabama Laws 2008 graduates as employed within 9 months of graduation. This is the 13th consecutive year that the Law School has had its employment rate above 95%. Also, the number of employers who visited Alabamas campus last Fall to conduct jobs interviews with our law students increased by over 20%.

Podcasts are now available from the February 27, 2009 Law, Knowledge & Imagination symposium titled, “Speech and Silence in American Law.” Cambridge University Press will be publishing the papers in this symposium as well as those in UA Laws previous forum held in October 2008 titled, “Sovereignty, Emergency and Legality.”

The Chief Justice of the United States, the Honorable John G. Roberts, has committed to present UA Laws Albritton Lecture in 2010. Justice Clarence Thomas will give this same lecture in fall 2009, which will mark the second time he has spoken to Alabamas law students. The Law School was honored to welcome Chief Justice Beverley McLachlin, of the Supreme Court of Canada, to Tuscaloosa on March 9 to present the spring 2009 Albritton Lecture.

Throughout history, the laws for combating piracy became a key building block for todays international legal system. Alabama Laws Dean Kenneth C. Randall surveys the unique, historical relationship between piracy and international law during NPRs special report, “An Old Scourge, Piracy, Is New Again,” on Monday, May 4.

Since 1994, Alabama has had a law in place requiring all convicted felons to submit a DNA sample. But that could soon change. A bill currently making its way through the state legislature would allow for a DNA sample to be taken from everyone arrested and charged with a felony or sexual offense after October 2010. David Patton, assistant professor and director of Alabama Laws Criminal Defense Clinic, speaks with Alabama Public Radio about potential pitfalls should this bill become law in the Wednesday, May 6 story, “Making It Legal To Take DNA From Felony Arrestees In Ala.”

Traditional Games that are Played in an Indian Wedding

Indian weddings are full of zest and joy and to make them all the more enjoyable a lot of games are played during the different ceremonies. This way the seriousness of an Indian matrimony ceremony gets lightened. These games are meant to elevate the mood and to raise affection and understanding between members of the two families.

Heres a brief description of different games played during an Indian wedding:

1. Fish the Ring
Fish the ring signifies who will rule the roost in the home front. This game is played when the couple appears as man and wife before the family gathering for the first time. In this game, the bride and groom are supposed to take off their rings and put them in a pot of clear water with rose petals in it. As both the rings settle, the newly-weds are asked to churn the water as enthusiastically as possible. After they take out their hands out of the water, everyone looks at the water. If the bride lags behind in the game, it determines that she will be obedient wife. If the grooms ring remains in the water, he will be wrapped around her finger.

At times, the rings are placed in a pot of milk and the couples are asked to `fish`. Whosoever is able to find the ring first will always have the upper hand in the marriage!

2. Hiding the Shoes
This game is played when the couple reaches the mandap for the `pheras` and the groom removes his shoes. The friends and sisters / brothers of the bride hide his shoes. After the Pheras, when the groom gets up to leave the mandap, the bridesmaids surround him and demand an shocking sum of money in exchange for his shoes. Then the friends and brothers of the groom beg and plead to give the shoes back and to reduce the sum of the money asked. After the stupid arguments, the groom pays the ransom and is allowed to put on his shoes.

3. Going Home
This game is played at the grooms house. The entrance of the house is blocked by the sisters of the groom to welcome the bride. The sisters pretending to be helpful point out a covered heap to the bride. They ask their sister-in-law to bow her head to it before entering. The bride, who is already nervous and anxious, obliges and dutifully bows her head. After befooling the bride, the cover is pulled off to expose a pile of old footwear cleverly arranged in a mound.

This ceremony does have a purpose – with this laughter, the ice is broken and the new bride feels more comfortable and finds a roomful of friends.

4. You Touch My Heart
Another game that is played during a wedding is You touch my heart. This game is mainly enjoyed by the women on the brides side. In this game, several round slots are made with a saree, which is wide enough for a hand to pass through. The saree is held lengthwise and bride and bridesmaid stand behind it stand. All the girls in the room thrust their hand upto the wrist out of the holes. On the other side stands the groom and from there he is only able to see an array of hands. The main challenge for him in this game is to search for his bride`s hands and he gets three chances for it. If he fails in the game, he has to pay a `fine`.

While, the celebrations have been constantly changing through out the institution of marriage and society, there are certain ceremonies and rituals that had been constant in marriage mantras. And such games make the ceremonies all the more pleasurable. They not only add fun to a marriage ceremony but each game aims at bringing the bride and the groom and their families closer. Not only this, they also make it easier for the bride and the groom to get comfortable with each others family and friends. Thought these days, many new games are coming for the bride and the groom to play together but some of the traditional games are still played religiously in many Indian weddings.

Why its Necessary to Get Property Lawyers in Melbourne

For your all official and legal needs in Melbourne related to wills and estates and property division matters, you need to opt for conveyancing lawyers or property lawyers in Melbourne. Now or then, you definitely need the conveyancing lawyers in your life. For that, its important that you get the proper solution which suits your practical requirements.

Everybody older than eighteen must have the Wills providing information about exactly how property should be isolated in case of their own passing away. Additionally the will enables you to designate a good perpetrator of the decision, name the guardian for just about any small kids as well as help to make particular presents in order to non profit organizations.

There are numerous lawful needs associated with Will; weakening to fulfil to all of them could make the wills worthless. The life takes turns throughout the whole journey, for example wedding, separation and divorce, real estate deals or change of address may affect to your wills and estates. Apart from that, when the situations turn into the worst nightmare and a person need to go for a divorce, you may require family law solicitors.

There are few family issues which are really hard to conduct. And even if you can then also you require some legal procedure to accomplish it such as wills and estates planning, custody or charge, diverse, adoption, marriage, death and etc. For everything the right solution is to opt for family law solicitors / conveyancing lawyers. For wills and estates matters, one can also get the professional advice from property lawyers in Melbourne.

To get appropriate guidance for any family or commercial matter, you can easily get conveyancing lawyers, family law solicitors and property lawyers in Melbourne. Many websites are available on the Internet and you can select the best team of lawyers who provide you the cost-effective solution. There are several conveyancing lawyers and property lawyers in Melbourne who have proper skill for reliable wills and estates planning, they also do manage the critical situations in the smoothest and smartest way so that you can get the effective transfer of assets with better ensurement of the financial security of your family.

While approaching for conveyancing lawyers, family law solicitors or property lawyers in Melbourne for any wills and estates or family matter, you should make sure that the lawyers are authorized and supportive. With the best advice, everything turns out well.

Boca Raton Family Law Lawyers Scott J. Brook ends term as Head of Coral Springs, FL

Boca Raton Divorce Lawyers Scott J. Brook completes tenure as Mayor of Coral Springs, Florida Thank you citizens! Now that my tenure is complete, I will have more time available for my Coral Springs Divorce Lawyer clients. Thank you for making my job so easy along with satisfying. I get liked staying Your current Gran. I get liked each of our espressos, each of our guides, each of our tells you, each of our get togethers, each of our result, in search of alternatives jointly a whole bunch more. We are in an exceptional, endowed group. We get many people that will love people, accomplish for some individuals, you are not selected and in addition have a go at our own authorities. Thank everyone regarding whatever you caused by boost our own local community.

My partner and i give thanks to my own many other staff, my own predecessors, my own Percentage fellow workers causing all of my own Committee associates regarding furthermore creating my own career the most effective I have ever acquired. I feel happy that most on the Commissioners have frequent work hours, that any of us employ a sturdy Federal Citizens Panel (this CIGC) therefore we employ a Federal academia in addition to Youngster Politics Community. We include one among the most competitive place a burden on premiums from the Talk about, an incredible well being in addition to fantastic educational institutions in this process. Certainly, you will discover troubles onward. I was self-assured our brand-new Payment along with each of our brand-new Area Boss, Erdal Donmez, in addition to a wonderful crew can destroy these kind of issues knowning that each of our community overall economy can recovery.

Only get forgotten about your reputation if we discover the other, remember to eliminate us. I we do hope you think We’ve offered absolutely to you personally and also for a assumption with “government” and also “politics.” Thank people just as before for any right with preparing people for up to Nine years. Feel unengaged to remain active in my family during and also by way of dialing my family during 954-757-5551. I works for all of our Young adults Project Compel plus dream to often be fitted so that you can work all of our Global financial Progression Cornerstone. I believe, I’ll spend more time with my personal caring loved ones, spend more time upon my personal regulation exercise last but not least complete composing my personal guide upon making work/family stability!

Thanks The City with regard to permitting me personally to possess this particular column. Thank additionally you to any or all associated with my personal kids for the assistance as well as knowing many of these many years. Finally, to my wife, Brenda, I cannot thank you enough for the sacrifice you have made and the love you have given me and our children which has allowed me to serve our community.

It has been a great ride!! By the way, NO HURRICANES during my tenure as Mayor! I wish you all well.

With Appreciation,

For info about my, check out our site at Elect Scott J. Brook to FL House of Representatives District 96 in 2012.

Mediation – Stages of Mediation

Mediation will usually happen in five different stages;

1) The initial meeting
2) Joint meeting
3) Working with the mediator
4) Evaluation of the mediation
5) The settlement

The initial meeting is where each party is assisted by a mediator in exploring and clarifying the issues and feelings involved and decide if mediation would be a positive option in resolving the difficulties. The Joint meeting will start the parties concerned in the dispute by working towards and create a workable settlement or agreement about the future. This meeting will build a mutual understanding of the parties ongoing working relationship. The acting mediator will need to interact constructively with the parties while at the same time be completely impartial at all stages even within the parties company. Evaluating the mediation process would look at the contribution and results that both parties involved have given with a concept of improving the relationship for both parties interest. It will then be vital to ensure that both parties have recognised that they have developed various new techniques to resolve disputes through mediation which could be very helpful in relation to work in the future.

Every mediator will conduct the mediation process differently, it all depends on the mediator, the dispute and the parties involved. There are generally some key stages which help to set out the basic structure of the mediation process. A mediator would be appointed by both parties who have agreed on the choice, this is usually done either independently or through their personal legal advisers. The mediation date would then be set by both parties with an agreed neutral place for the mediation to take place. The venue should have at least three separate rooms so private discussions can be held, one for each party to the dispute and one room that is used for the face to face negotiations between parties.

The mediator should receive all documentation and a case summary from both parties before the mediation can take place. This allow the mediator to be ready for the mediation and should allow them to understand the dispute more fully. The mediator can also contact both parties or their legal advisers before mediation begins in order to clarify any points about the case. Mediation is an informal process, but all involved will have a legal duty to sign a mediation agreement that states the basic rules and procedures that will applying to the mediation process.

On the mediation date, each party will have an initial private meeting with the mediator followed by a joint meeting with both parties and their legal advisers. This allows each party to share their own views and point out the main issues that they have. Once this has happened there is a session of private and confidential meetings that take place during the day, these meeting will generally consist of the mediators seperate meetings with each party that look into the main issues in order to completely understand both parties needs. Towards the end of the day, the mediator will encourage the parties to start constructive and fair negotiations.

A target is an important Destination Wedding Photographer does it without fail

The target would be given for the Destination Wedding Photographer and all the Destination Wedding Photographers would be following it without fail. They would be instructed to take a very important person to the wedding. Normally VIPs are expected to come in any kind of dress. All it depends on their mood. The reason is they are aware people are expecting only their presents to the wedding they will not take serious about the dresses. For an example, a construction company owner will be meeting his client with full coat and suit and with polished shoe.

Same time, when he attends a wedding he would prefer a casual dress. It may be just a half pant and an ordinary shoe which does not require any polish. The photographers duty is to watch him from the entrance and cover him in his camera. If the photographer should be alert about his presents, of course he would be given guidelines about the VIP, it is the photographers duty to identify him and pick him in his camera. A small hint is enough for NYC wedding photographer to find him. All the NYC wedding photographers are very perfect in identifying the VIP in the weddings. For others that VIP would look like a normal person. He is VIP only to the bride or bridegroom family. So a photographer should watch the reactions of the bride family members when some one enters the wedding hall.

When expected person arrives in the wedding hall, the bride and bride parents would be walking towards him that is the first clue. Second clue is they will hug each other; sometime they kiss in the chicks and expose their feelings. There are many things like this there is a general psychology books about the action and reaction. If a photographer completes the book he would be clear about the VIP. He would be covering all the persons who seemed to be the VIPs. A good photographer will cover everything without any dictations given to him. He would receive only appreciations from the people who booked him for the wedding.

At some times, unexpected things may happen. For an example, the wedding hall is near to a garden means, there will be a peacock will enter to the wedding hall. It would move around the hall. The children will trace him out. Some people would provide some cake for the peacock the peacock will move near to the new couples. The couple would be interested in taking a picture with peacock. They think some great soul is blessing in the shape of peacock. This is the right time to act fast for a photographer. He should cover from the entry of peacock to the departure of the peacock from the wedding hall.

An employer could not dictate al the time an employee. Same time, normally when the wedding is over a photographer should not think everything is over and he should pack his camera and all his equipments. He should expect the unexpected person arrival even after the completion of the wedding. For an instance, the Mayor of the town may come with a word sorry for the delay. The photographer should be alert enough to cover him with neutrality.

Managing Pressure at Home

Working women have extra responsibilities and stresses to deal with. Not only do the stress and responsibility of the workplace need to be dealt with, the pressures of home must be dealt with as well. This often creates a lot of stress to those who feel they are unable to cope.

For women who have careers and families to take care of, unfortunately anxiety and stress becomes an integral part of their lives. This sometimes makes life difficult, as balancing things is a tough job. Balancing the responsibilities of work and home is quite challenging and women feel they need to do both perfectly.

In order to manage the pressures which are found in the home, the first thing required is for the family to be an understanding one. If the family understands they all need to pitch in and help, particularly during stressful times, the burden on the woman automatically. In order to manage, a woman should sit her family down and talk to them about the responsibilities which she has to undertake. Giving each member of the family their own tasks to complete is a good idea. When everyone contributes, the burden is minimized. Family are teams, and when everyone does their little bit to help, it helps keep the woman sane and the stress levels down to a minimum – physically or mentally.

Another way in which you can manage stress at home is to believe that you have the ability to do so! Believing in oneself helps a great deal and increases motivation. By believing you have the skills and capabilities of performing the tasks required of you, there is no force which can prevent you from doing the things you want to achieve. Sometimes its worth taking a step backwards, assessing where you may need to learn something to help you move through your life a little easier. Courses on time management, decision making (learning when to say no!) and getting organized can be invaluable in alleviating stress.

Its these skills, which will help you live in the present moment. They will help you focus on home when youre there and leave work at work. Constantly thinking about work while you are at home, is not only stressful, its exhausting. Everyone needs down time! Relaxation time is when the mind and body regenerate to give you the energy to continue.

If you have faith in yourself and in your abilities, there is no need to think about the outcome which may the result of your actions. Everyone does their best, where they are in that moment. There will be some difficult decisions you will have to take within the family environment have confidence you are making the right decision and move on.

Another way stress can be managed is to deal with everything with an open mind. Look at things from other peoples perspectives. If you are having a problem, ask someone who has already been through the same thing.

Either way, accept that outcomes are not within your control. Live in the moment, do your best and manage whatever happens from your and other peoples decision.

The Signs of a Genuine and Decent Notary Public

A notary public is a person who has been appointed by a government official high up the food chain of the government to be the official government witness to any and every legal matter of the utmost important that requires witnesses to be present at any legal signings or similar events. Notary publics are extremely important individuals who carry a lot of significance in whatever area they have been appointed to serve by their higher ups.

Many people can have trouble telling a genuine and completely decent notary public from a not so decent one. If a person would know the signs that genuine and completely decent notary publics have that differentiate them from the rest, they will be able to distinguish the genuine, decent ones from the others. Well, the following are some of the most common and concrete signs that a decent notary public such as a notary public Vaughan has:

They have official authorization

The one sign that a person can use to easily distinguish between the genuine, decent notary publics and the rest is official authorization. Genuine notary publics are bestowed official authorization from a government official high up the food chain, which, in most cases, is the secretary of state, and this official authorization can be easily used to determine whether or not a notary public is a genuine and decent one.

They are completely honest in their dealings

A sign that most definitely indicates that a notary public is genuine and decent is them being completely fair in each and every one of their dealings. Notary publics are appointed to be witnesses to important legal matters, and since that is so, they need to be completely honest in their dealings.

Justice and equality are words they live by

The average notary public such as a notary public Vaughan vows to serve the public with attributes such as fairness, justice and equality. It is the responsibility of a notary public to see every single person that they have dealings with in the same light and treat every person equally. A strong regard for the words justice and equality is a sign of a genuine and completely decent notary public.

They are friendly

Last, but not the least, another indicator that a notary public is a genuine and decent notary public is how they behave towards other people. Genuine and decent notary publics are extremely friendly and compassionate to the people in the surroundings.

Settlement After Doctor Fails To Notify Patient Of Incomplete And Unreliable Colon Cancer Tests Results

Some people are at risk of having or getting certain forms of cancer. With colon cancer, as an illustration, people with certain conditions , with particular symptoms , or with a family history are at risk. If a person both has a family history and also has complaints of symptoms such as blood in the stool, physicians usually acknowledge that a colonoscopy is needed so as to check if the individual has colon cancer or rule it out. In addition to testing patients who are at a greater risk level, physicians also typically suggest that asymptomatic individuals who are 50 or older go through routine screening in order to spot any cancer that may be developing in the colon before it reaches an advanced stage.

Yet in order to be reliable a colonoscopy needs to be complete. It must cover the whole length of the colon. Among the reasons that a doctor might not finish the colonoscopy is poor prior preparation resulting in inadequate visualization or the existence of an obstruction which makes it impossible to pass the scope beyond the location of the obstruction. When situations like these occur the physician ought to inform the patient and suggest that the patient either undergo an alternative procedure or a repeat colonoscopy. A failure to do so may result in an undetected cancer which can grow and progress to an advanced stage prior to being detected.

One lawsuit that was documented concerned a woman who died of colon cancer in her mid forties due to the fact that her cancer was not discovered until it had already metastasized even though her physicians for years had information that she was at high risk. Look at her medical history. She had a family history of colon cancer. During the length of six years, doctors conducted three colonospies on this patient. On many occasions she continued to tell her doctors that she was experiencing pain in the abdomen and that she saw blood in her stool. At a minimum, on one occasion the woman’s blood work also showed that she was anemic. All 3 are possible symptoms of colon cancer.

The notes from 2 of the colonoscopies revealed that there was incomplete visualization of the ascending colon and cecum as the scope could not be passed beyond the transverse colon. Yet, the physician who conducted the three colonoscopies and followed the woman during this time kept indicating to the woman that her symptoms were caused by hemorrhoids.

The woman was finally diagnosed with colon cancer when her tumor was detected during exploratory surgery as a way to figure out the cause of her problems. A large percentage of her intestines was taken out because of the cancer. Chemotherapy followed but the woman eventually passed away from the cancer. As a result of the physician’s failure to follow up on her symptoms in light of two incomplete colonoscopies the womans surviving family pursued a claim. The law firm handled the case was able to publisize that they were able to achieve a recovery for the family in the amount of $875,000

Physicians use diagnostic tests to discover or exclude specific diseases including specific kinds of cancers. For example, the colonoscopy is a procedure employed to find or rule out colon cancer. But the test is only as good as the accuracy with which the test was carried out. A colonoscopy employs a scope to visualize the interior of the colon so as to determine whether there are polyps or tumors in the colon

If the total colon is not visualized, as in the claim above, a physician should not count on it to exclude cancer. Doing so makes about as much sense as only listening to one of your lungs, examining only one of your eyes, or ordering only part of a complete blood count. When the patient does have cancer this may result in a delay in diagnosis that allows the cancer time to grow and progress to an incurable stage. Under such circumstances the doctor who relied on such an incomplete procedure might be liable.