• Malaysia may include sales tax in Oct budget to trim deficit

    KDALANDMARK – watch more funny videos

    The Malaysian Reserve newspaper quoted the Finance Ministry’s secretary general, Mohd Irwan Serigar Abdullah, saying several economic reforms to bolster the country’s fiscal position were being discussed.

    “I am not ruling out (GST), it is in the pipeline. But let us wait for the budget. It is a whole package for everybody,” Mohd Irwan was quoted as saying.

    He added that the fiscal policy committee is exploring several measures including rationalising subsidies and curbing government spending.

    “These are some measures that are in the pipeline. The prime minister will announce them in the coming days or in the budget,” he was quoted as saying.

    The implementation of GST could help the country broaden its tax base and reduce the government’s reliance on dividends from state oil company Petronas or Petroliam Nasional Bhd.

    Malaysia runs relatively high government debt of 53% of gross domestic product and one of Asia‘s highest household debt levels.

    Ratings agency Fitch cut its outlook on Malaysia‘s A-minus sovereign debt to negative from stable in July, citing a lack of reform to tackle rising debt. – Reuters, August 28, 2013.


  • Gopro Daily Giveaway

    The folks over at GoPro are running a daily Gopro Camera Giveaway “one person wins 1 GoPro HD Hero Camera and one of each accessory they make”.

    What is included in the Gopro Camera Giveaway?

    • 1 GoPro HD Hero Camera
    • Handle Bar/Seat Post Mount
    • Roll Bar Mount
    • Suction Cup Mount
    • Chest Mount
    • Helmet Front Mount
    • Vented Helmet strap
    • Head Strap Mount
    • Tri-Pod Mount
    • Grab Bag of Assorted Mounts
    • Flat Adhesive Mount
    • Curved Adhesive Mount
    • Surf Hero Expansion Kit
    • HD Wrist Housing

    Gopro Camera Giveaway Basics!

    You can enter the GoPro Camera Giveaway one time every day to win the one GoPro HD 2 camera plus all the associated GoPro accessories.

    GoPro will pick one winner every day and remaining entries are deleted.

    Only today’s entries for the GoPro Camera Giveaway will qualify for the next day’s drawing. Don’t forget to enter gopro camera giveaway daily to improve your chances of winning. Sorry Kids – you must be 13 years or older to enter the contest.

    The total Approximate Retail Value of the prize to be awarded is $1105.74 (USD).

    The odds of winning a prize depend on the total number of eligible entries received.

    How to enter the Gopro Camera Giveaway

    You can either do the online entry thing at the GoPro site

    An alternative way would be to mail an entry – for more information see the contest rules on the GoPro website.

    GoPro Camera on YouTube

    Some of the coolest YouTube videos are done with GoPro Cameras check out the following:

    • GoPro camera survives 3,750-metre free fall
    • The 1st GoPro in Near Space (80,000ft)!
    • GoPro 2010 Highlights: You in HD
    • Shark Riders – Introducing GoPro’s New Dive Housing
    • GoPro HD HERO camera: The Ski Movie
    • GoPro 3D: Highlight Reel 2011
    • Seagull stole GoPro
    • New York City… A Day in the Life – Starring Skate Legend Ryan Sheckler
    • Avalanche Cliff Jump with Matthias Giraud
    • GoPro F18 Fighter Jet
    • Amazing jumping fish caught with a GoPro video camera
    • Jeb Corliss and Roberta Mancino – Wingsuit Flyers
    • AMA Pro Road Racing – Daytona 2012
    • Skiing Cliff Jump with Jamie Pierre
    • Amazing Fighter Pilots GoPro HD
    • Alana and Monyca Surfing Hawaii
    • Kirby Chambliss Epic Flight
    • Black Edition – Smaller, Lighter and 2X More Powerful
    • Kirby Chambliss & Red Bull Air Force – EAA AirVenture Oshkosh 2012
    • Airplane Tail Grab with the Werth Brothers
    • Alexander Polli, Tracksuit, Wingsuit Flying: Reality Of Human Flight
    • Ronnie Renner Takes on Glamis
    • Avalanche Cliff Jump
    • Amazing Fighter Pilots 2 GoPro HD

    Not sure how these (2) were filmed – they are still way cool

    • Best Of Low Pass Jet Fighters
    • Insane High Speed Low Passes in Jets

    My personnel favorite YouTube

    “The HD HERO2: Almost as Rad as the HERO3″ – has been watched over 15 million times

    Bottom Line

    Don’t forget to enter the GoPro camera giveaway everyday – GoPro announces winners by Facebook and twitter – good luck


  • POST PEOPLE: Birmingham Business Breakfast Club.

    Divorce was the topic of discussion for members of the Birmingham Business Breakfast Club when Zahra Pabani, partner and head of the family team at Shakespeare’s Solicitors, was guest speaker.

    More than 50 members and guests heard what prudent steps can be taken to safeguard assets before marriage and agree how assets will be distributed should the worst happen in the form of Matthew Barrett Matthew William Barrett (born September 20, 1944) is an Irish/Canadian banker who until recently was the Chairman of Barclays Bank.

    Born in County Kerry, Ireland, he attended the Christian Brothers School in Kells, County Meath, and attended the Harvard Business School , Kieran Prescott, Ray Slater

    http://www.thefreelibrary.com/POST PEOPLE: Birmingham Business Breakfast Club.-a0160507910

  • Child SSI/Child Disability Benefits

    Collecting SSI or SSDI benefits for disabled children

    Children who are diagnosed as disabled may be eligible for SSI or SSDI benefits. The SSA employs special rules in order to evaluate the medical basis for which the child has become disabled. Only when the child meets the medical requirements for their specific disability (which are published by the SSA) will benefits be approved and payable. Additionally, the total household income will also be taken into consideration. Oftentimes, if both parents are working, those benefits may be denied.

    Qualification requirements

    The SSA has two disability programs available for disabled children just like they do with adults who are disabled – SSDI (Social Security Disability Insurance) and SSI (Supplemental Security Income). These differ based on the age of the child whose benefits are being applied for. The following is a listing of the requirements for both.

    Program #1- SSI benefits

    A child from birth to the age of 18 may be able to receive SSI benefits under this particular program based on a medical condition or blindness. There are 2 requirements they must meet in order to qualify for SSI benefits:

    -They have an impairment or multiple impairments which meets the disability definition according to the SSA – it must be proven that the impairment(s) have caused marked or severe limitations to the child’s functions and that these may eventually result in the child’s death, as well as the condition being expected to last or has lasted for 12 consecutive months.

    -The parent’s and disabled child’s income and resources fall within the SSA’s allowable limits.

    Program #2 – SSDI benefits

    Under this program an “adult child” is defined as a person who is 18 years old (or older) and may be eligible for monthly benefits based on either their disability or blindness provided the following requirements are met:

    -The adult child has an impairment or a combination of impairments which meets the SSA’s definition of disability.

    -The onset of their disability occurred before they reached the age of 22.

    -The parent of the adult child has worked a sufficient amount of time so that they are insured by Social Security, is receiving either disability or retirement benefits, or is deceased.

    On a closing note, it should be noted that there is a common thread between both of these programs and that is that the child in question is not performing any substantial work.


  • Important Information on Domestic Violence in the State of Georgia

    It is an unfortunate truth, but something as commonplace and simple as an argument between two spouses can change a person’s life forever. It happens every day of the year: a man and his wife become embroiled in a shouting match. Tensions begin to rise, and as things escalate the male bumps into his wife. The female spouse calls the police, and a few minutes later there is a knock on the door that brings with it jail time and a hefty fine.

    After things cool down, the female in this case admits to authorities that the police were not needed and no abuse took place, but the government continues to charge the male. What started as a shouting match between two adults turned into a domestic violence conviction that sticks on an individual’s record for the rest of their life.

    What is included in the term domestic violence?

    Under the law in Georgia, the following are examples of what domestic violence can include:

    • Stalking

    • Assault

    • Simple Assault

    • Battery

    • Simple Battery

    • Unlawful Restraint

    • Criminal Damage to Property

    • Any Felony

    These crimes must take place between two spouses past or present, parents who have the same child, children and parents, stepchildren and stepparents, or foster children and foster parents.

    The bottom line is this – If you push, slap or punch your spouse, your girlfriend or your boyfriend who lives with you, it is considered domestic violence. You will be charged even if there are no signs of physical harm such as a cut or a bruise. In addition, you will be charged if you act in a way that scares the individual living with you in your home, such as threatening that person with bodily injury.

    Consequences of Being Charged with Domestic Violence

    Initial incarceration – Those who are charged with domestic violence can expect to stay in jail for at least a full 24 hour period. No bail is allowed in these types of cases until you sit before the judge presiding over your case.

    1st conviction – In most circumstances this charge will be a misdemeanor, but one that is aggravated in nature. As such, you could face 12 months in jail, a fine of up to $5,000, or both.

    2nd and other subsequent convictions – Each time that you accrue a new charge for domestic violence it will be treated as a felony. The maximum jail sentence for this kind of felony is up to 5 years in jail.

    Other Consequences of a Domestic Violence Charge

    Gun Ownership – According to federal law, if you are convicted of a domestic violence charge you are not allowed to own or possess a firearm or ammunition for a firearm. The punishment for being caught with this kind of weapon will result in a long jail sentence, possibly up to 10 years.

    Employment – Sometimes employers will not hire a prospective employee if they have any sort of charges on their permanent record. This is especially true in cases involving domestic violence or felonies. Your future job prospects may be much less lucrative as they once were.

    The author of this article is a professional writer with work on several criminal defense blogs and is a frequent contributor to O’Brien Law Firm PC and other law firms in Savannah, Georgia.

  • The Do-It-Yourself Divorce Trend Continues, with a Record Number of Litigants Handling their Own Divorce Cases during the First Quarter of 2012

    New York, NY (PRWEB) March 31, 2012

    The do-it-yourself divorce trend shows no sign of slowing, and that is probably good news for everyone except divorce lawyers. According to statistics released today by online divorce provider DivorceToday.com, during the first quarter of 2012, a record number of Americans filed for divorce without hiring divorce attorneys. The uptick in do-it-yourself divorce filings cuts across all geographic areas and income levels. Online divorce services now play a major role in the divorce process for many divorcing couples.

    According to Marc Rapaport, founder and CEO of Empire State Legal Forms, Inc., even high-income Americans are now foregoing lawyers and opting to do it themselves. Rapaport states, "at all income levels, there now appears to be a realization that particularly with the availability of online divorce kits, divorcing couples are capable of resolving their own financial issues, and thus are able to retain control over the process. Middle income divorcing couples cannot afford divorce lawyers, and high-income people don’t want to be caught in the downward spiral of out-of-control legal fees and protracted litigation."

    According to Rapaport, clients of his company’s divorce website, DivorceToday.com, not only save money, but also benefit by staying in control of the divorce process. According to Rapaport, people now realize that "divorce lawyers are, all too often, part of the problem – not the solution." Rapaport states that do-it-yourself divorce is "healthy both financially and emotionally. There is good reason to be wary of divorce lawyers, and the do-it-yourself divorce revolution helps couples take control of their own destinies."

    Rapaport observed that the do-it-yourself divorce trend now encompasses far more than simple no-fault dissolution kits, and that there is an increasing level of comfort with do-it-yourself qualified domestic relations orders, which are also known as QDRO forms. A QDRO is a specific form that is required to divide or distribute a retirement asset in the context of a divorce or marital separation. In the past, lawyers would charge thousands of dollars to draft simple QDRO forms. Rapaport’s website, http://www.QDROpedia.com, enables users to download QDRO forms for as little as $59.00. QDROpedia.com has qualified domestic relations orders, ready to download and sign, for distributing pension plans, 401k plans, profit sharing plans, and other retirement assets. According to Rapaport, QDROpedia.com is now the fastest growing site operated by Empire State Legal Forms, Inc.

    Certainly, the rich and famous will continue to keep divorce lawyers occupied. However, for average Americans, the process of divorce is now a matter of downloading forms from the internet and filing their divorce papers with the court.


  • Family Law Solicitors and their Fields of Expertise

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  • Seeking new marital tort, frustrated father takes divorce case to civil court.

    A divorce-related lawsuit filed in New Jersey is trying to establish precedent in that state for a new marital tort: alienation of children’s affection. The case involves Canadian billionaire Moses Segal, who says he suffered Princeton, New Jersey See also: Princeton Township, New Jersey

    Princeton, New Jersey is located in Mercer County, New Jersey, United States. Princeton University has been sited in the town since 1756. . “We’ve never seen this kind of claim brought to a civil court.”

    In 1994, Segal began living with Cynthia Lynch, first in the Bahamas and then in Canada. They separated in 2001. In 2005, the Toronto Globe and Mail described their divorce saga as “a tale of financial scheming, intrigue, and punitive damages Monetary compensation awarded to an injured party that goes beyond that which is necessary to compensate the individual for losses and that is intended to punish the wrongdoer. . (Segal v. Lynch, No. L-003076-07 (N.J., Morris Co. Super. filed Oct. 25, 2007).)

    http://www.thefreelibrary.com/Seeking new marital tort, frustrated father takes divorce case to…-a0174282021

  • Comfort Letter: Examples & Summary

    Most of us haven’t even heard the term comfort letter, let alone its definition. A comfort letter is written by CPAs for both individuals and companies and often reinforces a status to a lender or investor. Here, you’ll find out more about this type of letter along with comfort letter examples.

    What Is a Comfort Letter?

    Basically, a comfort letter for a private individual is verification by a tax professional stating they did prepare a person(s) income tax return for a certain year or years. For a business or company, a comfort letter example would include much more such as attesting to the auditing of all the financial records of the business.

    Depending upon the type of comfort letter a lender or investor requests, you’ll need to give written permission to the accountant in order for them to initiate and send the letter.

    Often, if an individual owns a sole proprietorship and is looking for a bank or home loan, a lender or bank may request a comfort letter even though they are given a tax return by the individual.

    The purpose of a comfort letter, in the eyes of a lender or investor, is to guarantee or attest to certain financial items or tax preparation; however, more and more Certified Public Accountants (CPAs) are minimizing comfort letter efforts due to possible liability involved.

    Individual Letters of Comfort

    A comfort letter example for an individual can be found in our Media Gallery and offers the following information to the person or organization requesting the letter:

    Date written Person or organization and address of requestor Verification of preparation of tax returns for years prepared Tax professional attest to following guidelines of the Internal Revenue Service Tax professional attests that tax return(s) were prepared by information given by the client Paragraph stating tax professional’s letter of comfort should not be the total basis a lender or investor should use a verification that the person(s) is credit worthy.

    More detailed comfort letters that are really more of a true audit of a person(s) income and expenses can be requested to be written by a tax professional. One must consider the amount of time and costs this type of letter would incur, however. Keep in mind that most tax professionals charge by the hour and to verify all your financial information may take quite some time and that doesn’t include a full audit of your financial records.

    Business Letters of Comfort

    If a business requires this type of letter, a comfort letter example for a business can also be found in our Media Gallery. This letter may be more entailed especially if a company is searching for investors or seeking major business funding.

    Again, most CPAs will not guarantee what is contained in the letter of comfort unless they perform a full blown audit of a business, not just tax preparation. Some items that may be included in a business letter of comfort would be:

    Audit of cash flow Audit of income and expenses Balance sheet reconciliations General ledger audits Owner equity audits

    Here again, the business must provide the CPA with written request to prepare a comfort letter and because they consist of performing an audit to be accepted as a comfort letter, they can be quite expensive.

    In some circumstances, with smaller businesses, a lender may just want to know if by utilizing a certain amount of cash for a large purchase or down payment on a loan would harm the company’s cash flow. These types of comfort letters are more inexpensive and only require a review of the company’s cash flow.


    In either situation, both individual and business comfort letters are not as widely utilized as in the past, nor are tax professionals willing to attest that everything on your tax return should be considered 100% accurate.

    If a lender or investor requests you provide a comfort letter, speak with your CPA or tax professional on the types of comfort letters they can offer along with the rates they charge for each type.


  • Guidelines For Filing For Bankruptcy

    Benjamin J. Ginter runs the Law Offices of Benjamin J. Ginter in Cranford, New Jersey. He has worked in many fields of the law for over 7 years, particularly in the field of Consumer Bankruptcy. It has always been his mission to offer personal, friendly and professional legal services to all his clients at affordable prices. Here, he explains everything you need to know about bankruptcy.

    1. What are the basics of bankruptcy? Filing for bankruptcy doesn’t have to be difficult. It’s a good idea to have an attorney guide you through the process and to make sure you do things correctly. You will get all the answers to your major questions from a lawyer.

    2. What is a bankruptcy attorney? A bankruptcy attorney works with clients that are having financial difficulty and are looking to have their debt wiped out in bankruptcy. Bankruptcy attorneys help their clients get a fresh start without the worry of being sued.

    3. Do you qualify to file for bankruptcy? Whether or not you qualify to file for bankruptcy depends on a variety of factors, including your debt. It is always best to speak to an attorney to make sure you file for the appropriate chapter of bankruptcy.

    4. What are problems that prevent filing for a bankruptcy successfully? People should know the fact that certain instances may prevent them from filing for a bankruptcy successfully. Did you take an expensive vacation right before you filed? Are you due to get a lot of money from a personal injury lawsuit? These events may impact your filing.

    5. What are Chapter 7 and Chapter 13 bankruptcy? Chapter 13 is basically a repayment plan, while Chapter 7 is known as a straight bankruptcy. It is up to you and your bankruptcy attorney to decide which chapter is more appropriate to your specific needs. Be aware that filing for the wrong chapter, however, can make you lose your house.

    6. Can you still file for Chapter 7 bankruptcy? A lot of people are under the misconception that they no longer qualify for bankruptcy because the laws have changed. That is not true, although some of the main areas have changed. For example, you can now file for Chapter 7 bankruptcy once every eight years.

    7. What happens after you file for bankruptcy? When you file for bankruptcy, an automatic stay goes into effect , which stops all threatening letters asking for debts to be repaid. It should come as a great relief to people unable to pay their bills.

    8. How will you rebuild a credit report after bankruptcy? Many people despair at the thought that they may never get credit again after filing for bankruptcy. But the truth is far from that. Your bankruptcy can be erased from your record after 7 to 10 years’ time.

    9. Can you keep your home if you file for bankruptcy? In most cases, you can keep your home when you file for bankruptcy. It all depends on different factors such as where you live, how much equity you have in the property, or how far you are behind in the mortgage payments.

    10. How can you deal with mortgages when filing for bankruptcy? Lien stripping is one way in which people who file for bankruptcy are able to discharge their mortgages while still keeping their homes.

    11. Does your spouse have to file for bankruptcy if you do? Usually spouses file for bankruptcy together. So in most cases, a spouse would still be responsible for debts if his other half files. However, your spouse only has to file if he or she is a co-debtor on the credit card.

    12. What are secured creditors and unsecured creditors? You have to realize the difference between secured and unsecured creditors. A secured creditor has an interest on a piece of property you own, while an unsecured creditor does not. If you don’t continue paying for that piece of property, a secured creditor has the right to take that property back, but an unsecured creditor does not.

    13. What is a reaffirmation agreement? Reaffirming your debt – and your intention to repay it – can be an important part of a bankruptcy procedure. A reaffirmation agreement is one made by the debtor and the creditor where the debtor agrees to continue paying for the debt even though he filed for bankruptcy and the debt could therefore be legally discharged.

    14. What are debt counseling courses? The idea of debt counseling courses sounds time-consuming and onerous. But these types of courses are actually helpful, and they don’t take a lot of time. Anybody filing for bankruptcy has to complete both pre-filing and post-filing debt counseling courses.

    15. How will you hire an attorney for a real estate transaction? Don’t consider buying property unless you consult a decent real estate lawyer. As a competent real estate lawyer can help you avoid all common pitfalls, and even save you money in the long run. It’s worth hiring an attorney for a real estate transaction.

    16. How will you file for an uncontested divorce? Divorce is always a difficult issue, but it can be a lot easier for both parties if it is uncontested. An uncontested divorce is also called a simple divorce, for good reason. It happens when the two parties involved are able to agree on a variety of issues, and it can make the whole divorce process smoother and easier.

    17. What is the importance of having a will? A will basically disposes of your property after you die. If you don’t have a will, then the laws of intestacy apply, whereby your property will be disposed of according to the laws of the state. That’s why it’s important to have a will, because you want the power to decide how your property is disposed of after you’re gone.

    18. What is a living will? The idea of whether or not to pull the plug when you are lying in a vegetative state scares most of us. That’s why it’s important to have a living will to spare your relatives having to make these life-or-death decisions. Also called an advanced healthcare directive, a living will makes sure your wishes are carried out to the letter.

    19. What are federal bankruptcy exemptions? Knowing what federal bankruptcy exemptions are available is important if you are considering filing for bankruptcy. Look online to see what federal exemptions are. But for the most up-to-date information, you should always check with your bankruptcy lawyer for a full federal and state exemptions list.

    20. What are current New Jersey bankruptcy exemptions? It’s important to know what exemptions are available for people who are considering filing for bankruptcy. Keep in mind, however, that along with federal exemptions, there are also state ones, which vary from state to state.