How to Choose a Good Divorce Lawyer

Every relationship begins with a feeling of love and affection. But there can be some unfortunate situations where your life becomes a maelstrom. The marriage that you thought would give love and happiness will end up a lacuna. You experience a mlange of emotions when a necessity to proclaim a divorce arises. What you need the foremost in a situation like that are good lawyers who can understand your emotions, the emotional and financial stress that you are undergoing and help you accordingly. Moreover, the lawyer should be someone who can explicate things in a proper way for you to understand as the divorce process is going to be rigorous and time consuming. Since it is an intricate issue that is subject to too many complications and lots of mutual disagreement, it is indispensable to be circumspect. So it becomes a necessity to know how to choose a good divorce lawyer.

Qualities of a Good Lawyer

The lawyer you are looking for, in short, should be a legal eagle. After all, you entrust your future in the hands of the lawyer. An effectual lawyer is the one who will
Assist you in the proceedings of the court and the case
Provide courtly response for the questions that you pose
Help you understand the positive and negative aspects of the case
Assist you in concentrating on the important part of the divorce, keeping in mind the emotional problems. Precautions to Be Taken

You can carry on one of these procedures before you choose the right person to represent you in court.
Talk to friends or people who have already undergone the legal proceedings of a divorce.
Do comparative study by talking to more than one lawyer and check out how they differ and what is beneficial to you.
Think twice if you are comfortable talking to the lawyer about your marriage life.
Observe their opinion about arguing for child custody, if you have a child.
Talk to the lawyers personally and not through phone as this can give you an idea about how honest the lawyer is.
Do not let the desire of getting a divorce soon and breaking up from the marriage affect your analysis about the lawyer.
Check if the lawyer will effectively take care of the settlements, the alimony or the palimony. Clarifications to be Carried Out

Once a lawyer has satisfied all these criteria there are a series of questions that you should ask them to make sure you have chosen the right one. Some of them being,
For how long has the person been pursuing law as a career.
The lawyers area of expertise.
The trail experience that the lawyer possesses.
How has the lawyer handled cases that were similar to your case.
To what extent the lawyer has knowledge about the settlement and parental alienation.
The process of filing and getting a divorce in the city of your residence.
The apparent issues and obstacles in the case.
Duration of the process and the process that s/he would recommend.
Amount you are going to pay them.
The schedule of payment.Play Your Part Honestly

The Truth Will Stand When the World is on Fire

Summary

A version of this statement is often passed down within families. It comes from a variety of sources. One is Shakespeare’s “The Merchant of Venice”: “The Truth will Out.” In Ephesians 5:9 of The Bible, a modern translation fits the statement: “The light within you produces what is good, right, and true.” Essentially, it is the little voice in our heart that tells us right from wrong. The world is on fire when enough people do not listen to that little voice. Yet, time after time, even when the world is on fire, enough people have listened, combined, and acted for the collective good. Another quote: “When bad men combine, the good must associate; else they will fall one by one, an un-pitied sacrifice in a contemptible struggle.” Give Edmund Burke, an Irish political philosopher, credit for saying something that we all know to be true.

Tests of our Character

It tends to happen in small groups. Someone does something out of line. What do the others in the small group do? Usually, they tolerate the act. Then, the antagonist believes that his/her activity has borne fruit. It happens again. Most likely, the group will take note, but will not get involved. A psychologist among them would have an opportunity to conduct a case study on what has become a group dynamic. For everyone else in the group, this could be the opening volley of misery. This is the tyrant in the office, the bully on the school ground,the rule breaker and mischief-maker. What happens if someone in the office realizes, after repeated disruptions, that he/she must stand up to the tyrant? What indeed? If one good person takes a stand, the rest of the group still must do something. Usually, they do nothing. “Let Human Resources handle it.” “Discipline is the teacher’s job.” These moments are a test of character for everyone in the small group. If someone stands up for right, and stands alone, the stronger personality will win. Quite often, the stronger personality belongs to the tyrant. An emboldened tyrant will dominate, much as a sheep-herding dog dominates sheep that outnumber the dog, perhaps 200:1.

Citizens

People predominately live their lives as members of a human society. In some parts of the world, those societies are still called tribes. In industrialized countries, citizens often form around villages, towns, cities. Folks identify themselves to be part of a district, a state, a region and a country. Besides geography, people form around their familial ties, their religion, their sport team, their school, their earned educational designation (society of engineers, local labor union). In all of these examples of shared human bonds, the rule of law is necessary. Someone must lead. He/’she is expected to promote the welfare of the society through governance. Tests of our character are found here too. The same people who will not listen to their inner voice, will not stand up for righteousness, will not support the one who does, also will not likely contribute to the society. They will not lead or volunteer to support. They will not vote and will not communicate with the one who was elected. When trouble comes,they expect the police to handle it. When their child acts out in public, they will not correct the child. Their country might have been born from sacrifice. Others, before them, may have given their lives to guarantee the freedoms that all of the citizens enjoy. Yet, in time of need, during crisis, and even during the safe times when voting in the best leader is so important, so many will shirk their obligation to their ancestors and to the society’s needs today. They will not listen to their inner voice. “Let someone else vote.” “Someone should say something to that lady who lets her dog C*** on their lawn.” “I don’t have time to answer that senator who asked me how he is doing in Congress.” “Those poor starving people in the earthquake zone;someone should organize food for them.” “What is the world coming to? Those people have just taken another country. Don’t they realize that their leader is a tyrant? I hope we stay out of it.”

The Truth

The rule of law only works when society enforces the rule. Many will argue that there is too much corruption and crime in the world, too many different points of view to gain consensus on what is right, vast distances in geography, and greater personal risks today make it harder to take a principled stand. Yet,no argument has the strength to withstand public scrutiny or self-examination. When we do not take a stand, we stand for nothing. Edmund Burke is not remembered for being correct about the stands that he took. He is admired for standing up. Any of us who have done that in our lives, look back on the moment without the stinging rebuke of regret. The ones who stand alone against the tyrant and bully stand tall, even if they lose. It is the ones who will not stand with him/her, those who let themselves fail the test of character, who cast their eyes down to their shoes in the presence of the one who was sacrificed. But, take heart. Some of the most admired, good people of societies were slackers for much of their early lives. One day,they looked up and stood up for right. That became their habit. The truth will stand when the world is on fire. Truth is revealed by people who will not tolerate a wrong. When they stand, they are the rock. Those who stand with them build a stone wall about that rock. Never are there too many of them to extinguish a moral fire. There can be too few. Stand up!

Paternity Tests in South Africa

Paternity Tests and the New Childrens Act

The new Childrens Act confirms in Section 36 a presumption in respect of a child born out of wedlock. The presumption is that the person whom had sexual intercourse with the mother at any time when that child could have been conceived will be presumed to be the biological father of the child in the absence of evidence to the contrary which raises reasonable doubt. In the case of S v L 1992 (3) SA 713 (E) it was held that the phrase “in the absence of evidence to the contrary which raises reasonable doubt” means that whenever there is evidence to the contrary, the presumption does not operate or ceases to operate. This is also in line with the courts decision in R v Epstein 1951 (1) SA 278 (O), where it was held that a presumption operating “in the absence of evidence to the contrary” only requires evidence, not proof, to counteract the presumption. The Childrens Act does not define the word “evidence”, thus any acceptable evidence suffices, regardless of whether it is direct or circumstantial, however, it must raise reasonable doubt.
Section 37 of the Childrens Act states that if a person in proceedings in which paternity of a child is challenged refuses to submit him/herself, or the child, to take blood samples in order to carry out a scientific test to prove the paternity of the child, then a presumption in our law exists in which the failure of such a party to agree to such a test may be used as evidence to prove the contrary. The effect of this section is that it compels a court to warn the person who has refused to have his/her or the childs blood sample taken of the effect which such refusal might have on his/her credibility.
Refusal by mother to submit her and child to testing
In O v O, Friedman JP stated that there is no statutory or common-law power enabling the court to order an adult to allow a blood sample to be taken for the purpose of establishing paternity. Although there is still no such power, Section 37 obliges the court to warn the mother of the consequences of her refusal (perhaps that the man she is accusing of having fathered her child cannot be deemed to have fathered the child in the absence of a blood test). He would then in all probability not be ordered to pay maintenance for the child.

By Bertus Preller
Family Law Attorney
Abrahams and Gross Inc. Cape Town
www.divorcettorney.co.za

Signing A Non-Disclosure Agreement With A Patent Attorney

Clients mostly persuade their patent attorney to sign a non disclosure agreement. Patent attorney appointed for the purpose of patenting is not required to sign the non disclosure agreement on request of the inventor. But various lawyers obtain money from the inventors in order to sign a non disclosure agreement (NDA). This practice is followed so that the inventor questions about the procedure of the invention patenting from the patent attorney. These types of agreements are beneficial to the inventors however the patent attorney acts as a signing authority and has to pay for this process. Therefore, considering the ethical rights this practice has been excluded. If the non disclosure agreement (NDA) is being decided and signed in any case, it is advised for both the patent attorney and the inventor to consult a counsel for the same. This is a little unusual as the patent attorney who represents his/her client has to further consult his/her attorney in order to get advised whether to sign the non-disclosure agreement or not. This is why such an option is not considered by various inventors and patent attorneys who work for patenting the innovation.

Until and unless the idea and information regarding the innovation are discussed with the patent attorney by the inventor, the non disclosure agreement (NDA) cannot be signed as the patent attorney is liable to provide confidentiality to the information given by the inventor. A patent attorney has to abide by various federal rules which are imposed so that the information of the inventor or the client is always kept confidential. In such scenarios an inventor gets confused as in how to get a non disclosure agreement (NDA) signed without disclosing his/her original idea to the lawyer. What best could be done here is that inventor gets the non disclosure agreement (NDA) drafted by a lawyer first and then submit it to the patent attorney for signature and then get started with the client-attorney involvement.

But, this could prove difficult as a lot of money from the inventors end would be spent. There shouldn’t be any discrepancy of interests of the current or past clients while the patent attorney represents the current inventor. This can also create some issues for the patent attorney until the patent attorney is well versed with the client needs and requirements. Disclosing fundamental information pertaining to the invention with the patent attorney which might not necessarily include all the information about the invention can ensure inventors about the faster and successful patenting process and signing of the non disclosure agreement (NDA). However, for some patent attorneys such basic information could not be sufficient enough.

Therefore, clients and inventors do trust some patent attorneys and reply upon them in such scenarios as they would not use the innovative idea for illegal and unlawful use as the patent attorney is not into such competition as is the client himself.

The Real World of Alimony (Spousal Maintenance) Under Washington State Divorce Law

Washington Divorce law views spousal maintenance on the basis of what is called the “economic partnership model”. However, it usually focuses on the length of the marriage. If the marriage is less than five years you very rarely get maintenance.

The only time I see maintenance/alimony awarded in marriages less than five years is where one party is unemployed or would end up on the street if their partner just left them. Even in those cases, the awarded at temporary orders reads something like: “The [husband/wife] shall pay to the wife maintenance in an amount of $500 for six months or until the wife secures full-time employment. If full-time employment has not been found in 6 months the [husband/wife] may petition the court for an extension but only for good cause shown.” I have written orders like that many many times. At the temporary orders stage the judge or commissioner makes his or her ruling and says “Counsel, Write up the Orders”. Tradition has it that the primarily prevailing party draws them up; although sometimes a lawyer much older than you will assume that he or she will do the honors. We then often times have to go back in and argue over them. But that is usually if the attorneys either don’t know each other or one is inexperienced. As lawyers we also sit in the back of the courtroom and wait for our case to be called. During that time we talk with other attorneys about their cases or watch how the judges and commissioners decide other cases in Family Court.

On the other hand marriages longer than 20 years almost always do involve some form of maintenance, or “evening out” of the income and assets over time. The goal of the Court in such long-term marriages is mainly to maintain the partys financial standing at the same level for a considerable time after the marriage.

Spousal maintenance in Washington has traditionally been defined by an oft-quoted (and legally cited) bar journal article by Judge Windsor. It has been cited in many Washington divorce Supreme court cases.

Recently, there has been discussion regarding a new metaphor. A recent (2006) Washington State Bar Journal article discusses the subject. Maintenance can be highly discretionary and the cases I have dealt with on appeal have been difficult to overturn. That is basically the general consensus: the Judge or Commissioner must have really, really screwed up before they overturn it. Yes, you are thinking the right thing: it is very important to win at the lower levels. Don’t sit back and comfort yourself that “If they make the wrong decision I can just appeal.” This is not tax or corporate law. There are fewer analytical rules to follow. And this is alimony in the real world.

Reasons to Update Your Will

A will is a legally binding contract that is widely considered one of the most important documents you will ever sign. The majority of parents with children actually do not have a will and without one you will not be able to allocate your children any benefits. The general consensus is that after death the eldest family member will have control of your estate, however the reality is this will be decided in court and a judge will end up with the final say. Here are three fantastic reasons to update your will.

Relationships

Over the years you may have developed new relationships with people and organisations, such as finding a new partner or becoming a member of a charity or church. You may want to adjust your will to eliminate any old relationships so that they will no longer receive your benefits upon death. Newborns can be listed as beneficiaries and children who have reached adolescents can be listed as executors.

Income and Assets

You may have listed your car, estate or business in your will and these assets may have changed. Even if you have not sold any of these assets, the value has still changed, for instance your car depreciates and your business grows in revenue. As such the insured amount listed on your will is going to be different and a lot of complications can arise when dealing with these matters after death.

Residency

The location where you created your will is governed by state laws. If you have changed location since then, you will need to consult an attorney to find the legitimacy of your will. State laws can be very different from each other and have different qualifying requirements.

The Law

Laws change all the time and you will want to keep up to date with any legislation affecting your will. The best way is to visit an attorney of the state who can help to validate your will for you and inform you of any changes in law.

Yearly Checklist

The best way to keep up to date is to simply have a yearly check up. Law firms specialising in estate battles can review your will and can work with you to successfully create your ideal will. At the end of the financial year is when most changes take place and is the best time to review your estate, assets, income, superannuation and all other elements that fall into your will.

List down a checklist and consider the following 10 points: children, marriage/separation, death of beneficiaries, location changes, circumstantial changes, state laws, taxation law, time since last review, new business and income increase/decrease.

Your will dictates where your assets will go after death and without one a judge will decide for you. This includes ownership of children under the matured age. If you would like to know more or if you are ready to take another look at your will then jump online and search for a law firm that specialises in estate battles.

Orange County Auto Accident Lawyer

If you or someone in your family has been injured in an auto accident, you may have asked yourself, “Do I need a lawyer?” Mashney Law Offices attorneys stand ready to represent you.

It is a common and often costly mistake to assume that because you have insurance coverage you will not need or benefit from legal advice from a lawyer experienced in personal injury.

Insurance companies know that few auto accident victims are familiar with auto accident law, proper auto accident injury care, or the details of their own insurance coverage.

The majority of insurance companies have a list of doctors with whom they work. These defense doctors have an interest in maintaining a lucrative working relationship with the insurance company, an interest that may not align with an accident victims best interests, care, and legal rights.

In such situations, some defense doctors may minimize the severity of an auto accident victims injuries. Insurance companies may attempt to disallow some types of treatment in favor of less expensive and less effective treatments in order to reduce their costs. Even in accidents cases involving serious or catastrophic injury, an insurance company almost always disputes the cause of the injury and the necessity and extent of medical care continuing into the future.

Injured auto accident victims who attempt to negotiate without the benefit of legal advice from a licensed and experienced personal injury lawyer, after they have provided the insurance company with a recorded statement and been seen by an insurance company approved doctor, often discover that insurance companies are more interested in receiving premiums and in minimizing the costs necessarily associated with claims than with paying the claims of injured auto accident victims.

The injured victim of an auto accident may be wise to think carefully before attempting to negotiate with an insurance company on his/her own. The expert advice of the lawyers of Mashney Law Offices, experienced in auto accident and personal injury law, can be of great benefit to an auto accident victim.

In California as in most other states, if you are involved in an auto accident, fault and liability must be determined before an insurance company will make a settlement payment. Fault and liability refer to responsibility. The individual who caused the accident through carelessness or negligence is at fault and is liable for any property damage and personal injuries that result from an auto accident. Liability may be shared in situations in which more than one person is at fault. Each individuals settlement is likely to be based on his or her share of fault.

Auto insurance companies have deep pockets and teams of experienced and tricky claims adjusters and defense lawyers whose job it is to see that you get as little compensation as possible, a minimum payment, for your auto accident claim.

If you do not agree with an insurance company determination, Mashney Law Offices attorneys can file a lawsuit to recover additional damages, either for monetary damages, such as lost wages, or non-monetary losses, such as emotional distress, pain, anguish, loss of consortium, etc. Mashney Law Offices auto accident and personal injury attorneys have the knowledge, skill, ability, experience, expertise, and resources to represent you in your dealings with insurance companies.

Mashney Law Offices will work hard to see that you get the best settlement ethically and legally possible to compensate you for the damages, suffering, and losses you have incurred. For more information regarding auto accidents please visit

Islamic Divorce in New York State

Muslims residing in the State of New York are in a dual situation when it comes to the implementation of family law. On one hand, they are governed by the religious law of Islam, known as Islamic sharia, and on the other hand, the secular family law of the state of New York. To Muslims, the family law of Islam mandates that marriage and divorce among Muslims should be done in accordance with the Islamic sharia, regardless of whether they live in an Islamic or secular country. Civil divorce decrees obtained by secular courts are not recognized by Islamic sharia.

Under Islamic law, a Muslim man may marry a non-Muslim woman, whereas a Muslim woman is prohibited from marrying non-Muslim man. Under these rules, a non-Muslim woman marrying a Muslim man in compliance with Islamic sharia is subject to the rules of Islam in the areas of divorce, child custody and inheritance. In other words, a non-Muslim woman who gets married to a Muslim man in accordance with Islamic sharia, loses custody of her children in case of divorce, or in case the husband dies. Consequently, a non-Muslim woman marrying to a Muslim man is forced, under the rules of Islamic sharia, to surrender custody of her son when he reaches the age of seven, and her daughter at the age of nine. She also prohibited from inheritance. These rules are applied throughout Muslim countries with a system of sharia-based family law in place.

Marriage Contracts in Islamic Sharia
Under the rules of Islamic sharia, the marriage contract should include: (1) names and addresses of the couple; (2) name of the guardian of the bride; (3) names and addresses of two male witnesses; and (4) the amount of mahr, or a promise of money or its equivalent to be given by the husband to the bride. Like any other civil contracts, Islamic marriage contract should be in the form of offer and acceptance by the parties.

Contrary to the popular notion that mahr is dowry; it is not. A dowry is what the wife contributes to her marriage while mahr is an obligation on the husband to pay his future bride. Others call it a gift; it is not a gift either, because mahr is an obligation on the husband and is mandated by the Quran. The Quran calls it sadaq (Quran 4:4). If no stipulation of mahr is provided in the marriage contract, the marriage remains legal and in effect; in such a situation, the “qadi” (judge) will determine the amount of mahr, which remains a property of the wife alone. The amount of mahr can be paid partially: up-front (Arabic, muqaddam), and deferred until divorce or death of the husband (Arabic, muakhar), or it may be prepaid in full before the consummation of the marriage.

Legal Status of the Mahr Provision in Islamic Law
The most important feature of the mahr provision is that one party makes an offer and the other can accept or refuse to accept. It is a financial settlement between the couple in case a divorce occurs or the husband dies. Although, Muslim women do not personally bargain for the mahr agreements, and, in almost all of the divorce cases that I have seen so far, in the Middle East, Europe and the United States, Islamic marriage agreements involving mahr are negotiated by the representative (Arabic Wali) of the bride.

In the State of New York, an Islamic marriage contract involving mahr may be considered premarital agreement for a divorce settlement. In legal terms, this is called a concurrence of wills or meeting of the minds of the future husband and his future wife. This also means that each party from an objective perspective engaged in conduct manifesting their acceptance, and a contract was formed when both parties met such a requirement.

The basic rule is that a premarital contract will be interpreted and enforced in accordance with the law of the state in which it was entered into. Thus an Islamic marriage contract signed in Egypt according to the Egyptian law for example, must be interpreted according to the law of Egypt. The Restatement of the Law Second Conflict of Laws 3d, Chapter 8, Contracts, is clear about the law for the state chosen by the parties to a contract. The text of the Restatement reads: “(1) The law of the state chosen by the parties to govern their contractual rights and duties will be applied if the particular issues is one which the parties could have resolved by an explicit provision in their agreement directed to that issue.”

Looking at both academic and case studies in this area of law, this article points the reader in the direction of the current trends in the treatment of mahr in New York State and to address Islamic family law issues relevant to New York State law and the working of its legal system. The mahr provision in an Islamic marriage contract has been interpreted differently in other states. For more information on treatment of mahr in other states, the individual should seek legal advice.

Interpretation of the Mahr in New York State
Muslim men and women assert their Islamic legal rights in American family courts; as a result, Islamic sharia governing their marriages and divorces becomes an important and complicated part of the American legal landscape. This leads to a discussion of court cases involving Muslim marriage and divorce litigations in the State of New York, as well as whether New York courts will enforce the terms of Muslim marriage contracts, mainly the mahr provision.

New York courts have jurisdiction over divorce cases within its territory, with specific focus on premarital contract structured in accordance with foreign laws. And, various state courts have found no public policy prohibition in enforcing such agreements. In New York, a mahr agreement may be interpreted within the context of a contractual obligation.

In Aziz v. Aziz, the couple entered into a mahr agreement which required the payment of $5,032, with $32 advanced and $5,000 deferred until divorce. The New York court ruled that the contract conformed to New Yorks contract requirements, and that “its secular terms are enforceable as a contractual obligation, notwithstanding that it was entered into as part of a religious ceremony.” (See Aziz v. Aziz, N.Y.S.2d at 124).

In this case, the husband argued that the mahr agreement provided in the Islamic marriage contract could not be enforced because it was a religious document and was not enforceable as a contract. The wife responded by stating that although the mahr is a religious stipulation; its secular terms can be properly enforced by the court. The court agreed with the wife and ordered the husband to pay the deferred mahr. The court found that the mahr agreement complied with the necessary statutory requirements to be recognized and enforceable as a premarital agreement and held that the secular terms of the mahr agreement were “enforceable as a contractual obligation, notwithstanding that it was entered into as part of a religious ceremony.” The court stated that the mahr agreed to by the couple constituted a secular debt of $5,000 and ordered the husband to fulfill the terms of the agreement.

The case was based entirely on another New York of Appeals case of Avitzur v. Avitzur involving a Jewish Ketubah in which a Jewish woman sued for specific performance to force her ex-husband to appear before a Beth Din (Jewish Court). Under Jewish Law, only a man can grant a divorce, or “Get”. Until he does, the woman cannot remarry within the Jewish faith to anybody. Her children will then be considered illegitimate. In order that a “Get” may be obtained, both husband and wife have to appear before the Beth Din. The husband refused to appear, leaving the woman in a state of marital limbo, making her an “agunah.” The New York Court of Appeals found that the Jewish ketubah constituted a valid premarital agreement that could be enforced despite the religious underpinnings of the agreement.

Conclusion
As the second largest religion, and with the number of Muslims immigrating to the United State on the rise, American courts are more frequently looking into Islamic divorce litigations between Muslim couples. Out of respect to Islamic law and culture, American courts attempt to apply certain provisions from Islamic sharia, such as the mahr contract in divorce cases involving Muslim couples. By doing so, American courts risk involving their arguments with gender and economic inequalities between Muslim men and women, leaving Muslim women destitute. The application of mahr agreements in Islamic divorce in the United States prevents women from exercising their rights to equitable distribution of marital assets upon divorce. If the courts need to extend their respect to Islamic law in divorce situations, they should look into whether the wife had a choice in signing the mahr agreement. Muslim women do not personally bargain for the mahr agreements, and, in almost all of the divorce cases that I have seen so far, in the Middle East, Europe and the United States, the Islamic marriage agreements involving mahr are negotiated by the representative (Arabic Wali) of the bride. Other states do not regard the mahr to be a premarital contract. Individuals seeking information on the treatment of mahr by other states should seek legal advice from a competent attorney.

DISCLAIMER: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer. For specific technical or legal advice on the information provided and related topics, please contact the author.

Republishing of this article is hereby granted by the author.

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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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.