Lawyer

By Carol McFadden

Did you know that lawyer advertising was banned until the mid-1970s? Want to know a little more about lawyer advertising? Read on

The Industrial Revolution was a decisive moment in history that marked major changes in agriculture, mining, transportation and manufacturing. There began an increase in individuals who can afford to buy not only the things they need, but also the things they want. It is the time that advertising gained ground. Advertisements for different products and services appeared in newspapers and buildings, including lawyer advertising.

Many well-established lawyers were against it. They said this would lessen the sanctity of the law, especially in the publics eyes. Moreover, it was like comparing the practice of law to a business enterprise. In 1908, lawyer advertising (except business cards) was banned by the American Bar Association (ABA) through its code of ethics, the Canons of Professional Ethics. This continued up to the mid-1970s. In1977, in the Bates v. State Bar of Arizona case, the United States Supreme Court allowed lawyer advertising on grounds of the publics right to know. The Court gave the responsibility to the Bar to regulate lawyer advertising. The Bar responded by making modifications to their code of ethics to adopt the changes.

To this day, states have adopted the ABA Model Rules of Professional Conduct and modified it according to their needs and objectives, expressing their attitude to lawyer advertising and the publics right to information. Each state has a set of rules that govern lawyers in their area. So if you are a lawyer, or you engage in marketing for personal injury lawyers, it is best to acquaint yourself first with these rules. You need to know the limitations, requirements and ethics opinions.

Lawyers who wish to market themselves invest in Yellow Page Advertising. Here are some of the data gathered on Yellow Page Advertising for Lawyers by the Yellow Pages Association in 2003.
Yellow Page Advertising for Lawyers amounted to $1.037 billion
Attorneys as a category is referenced 328.3 million times yearly
Lawyers spent nearly as much on Yellow Page Advertising as on insurance – $387.9 million

Studies conducted also show that 90% of Yellow Pages Advertising display are
for Personal Injury (45%), Bankruptcy (20%), Criminal (12%), Family Law(10%), Workers compensation (7%).

 

Carol McFadden

By Carol McFadden

Have you ever noticed how buyers flock to purchase property in droves when real estate prices are at their peak, yet buyers are relatively scarce when prices are most affordable? Notwithstanding the fact that this occurrence defies the generally accepted investment strategy to buy low and sell high, one cant help but wonder why attending social gatherings during the real estate boom years of 2005 and 2006 would inevitably lead to engaging in a conversation about someones real estate investment and the promise of future profits to be derived from the venture. Its not all that surprising that many of those recently boasting about their real estate exploits have softened their tone while seasoned investors, dormant for the past six or seven years, have begun to once again start purchasing lucrative investment property. Despite news about the recent real estate and financial industry tribulations that the public is seemingly bombarded with every day, the last few months of 2008 provided a relatively quiet, yet dramatic, surge in real estate sales.

The National Association of REALTORS (NAR) has reported that residential home sales have increased by an astonishing 115% when the last quarter of 2007 is compared against the same period for 2008. Have the experienced investors purchasing all of this property been ignorant to the steady stream of media reports warning of declines in real estate values? The answer is no, they have simply been waiting for the right time to emerge like a small swarm of locusts to steadily reap houses for sale like crop. In fact, their buying presence has been so prominent that national housing inventories of homes for sale have significantly decreased during 2008s final quarter, a reliable sign that demand is beginning to once again catch up with supply.

But how do these brave souls know precisely when they are buying at the bottom of the market? Do they throw caution to the wind and simply force themselves to muster the courage to purchase property despite the fact that values may continue to decline in the future? The simple answer is that savvy real estate investors do not purchase property with the expectation of immediate appreciation in value. Rather, investment real estate should be purchased based on the propertys potential for positive cash-flow. Positive cash-flow occurs when a propertys rental income exceeds the owners costs to maintain the property. Consequently, when a property provides a positive cash-flow, a decline in real estate prices is of little concern since the owner can simply enjoy the income his property generates until the market revives and the property can be sold for further profit.

During the real estate boom years our nation became blindly infatuated with the appreciation of real estate prices, which represents the amount of value that a property will gain over time. So called house flippers brazenly leveraged money to buy numerous properties with the expectation that their values would increase, thus enabling them to sell the properties for handsome profits in a short period of time. These novice real estate quasi-moguls, often addicted to HGTV and other television shows created to promote the industry like Flipping Out and Flip This House, regularly failed to consider property cash-flows prior to making their purchases. Why bother when real estate values will always continue to appreciate, thereby alleviating the need to hold properties for long? After the housing bubble burst, many of these speculators realized that they shouldnt have built their investment houses out of sticks, and social gatherings became pleasant once again.

Seasoned investors build their investments out of bricks by carefully and conservatively analyzing a propertys cash flow potential prior to purchasing. The primary reason that these investors have been sitting on the sidelines for many years is that most real estate prices have been far too high to generate positive cash-flows and a reasonable return on investment. It hasnt been until recently that both residential and multi-family housing prices have retreated to levels where rental income will cover monthly mortgage payments and other operating costs. Further, with the construction of new housing and apartments decreasing to a virtual halt, a still rapidly growing local population, and many families displaced from foreclosed properties, an investment propertys owner is free to choose from a tenant base that is now stronger than ever. One can clearly see why a decline in real estate sales prices typically accompanies an increase in monthly rental prices.

No matter what the year 2009 holds in store for real estate investing, it is essential to remember that investing in real estate should always be considered over a long term. Although the opportunity for a quick flip may present itself, the distinguishing benefit to sound real estate investments is their ability to provide income no matter what the economy throws your way.

Meow

By Carol McFadden

Can you imagine a world without questions? How would relationships be without them? The answer: less comprehension and more misunderstanding.

Understanding and comprehension is needed in every relationship because they are the fuel that keep trust alive. In a romantic relationship, no trust means no intimacy and without intimacy the relationship is definitely not romantic.

Couples who have understanding and comprehension also have trust and therefore, have more intimacy because of it. They also feel more comfortable being around their partner.

One of the main reasons why it’s so difficult to recovery from an infidelity is because couples loose trust and at the same time loose intimacy. Questions about that infidelity might help give a little more comprehension and understanding to why it happened and at the same time restore some trust.

The following are 21 questions to ask a guy in order to understand and comprehend more about him and the relationship, and help build comprehension, understanding and trust.

21 questions to ask a guy:

1- If I had an accident and be left with terrible scars for life, would you still love me?
2- What is it of me that you like the most?
3- How do you remember your first love?
4- After me, who is your closest female friend? (excluding your mother, and other family members)
5- How do you remember my first impression?
6- Would you leave me for a celebrity that really really liked you?
7- Are you a virgin?
8- Do you still have feelings for an ex?
9- What is your best kept intimate secret?
10- How do you visualize the perfect woman? What are her attributes?
11- Who was your first girlfriend?
12- How would you react if I was dating another guy?
13- At what age do you plan to get married?
14- What is it that you don’t like about me?
15- What would be your best reason to break up with me?
16- How would you react if the doctor told me that I have a deadly disease? Would you still love me?
17- If I had to move far away for many years, would you wait for me?
18- If we had a child born with health problems, how would you handle the situation?
19- What are your financial goals for the future?
20- How and when would you know if I am the right one?
21- Do you believe in God? Why?

These are the type of get to know you questions you need because they range from various topics: financial, intimate, religious, health, etc.

Some of these hard questions to ask your boyfriend might be difficult for him to answer if he knows you’re not going to like the response. That’s exactly how you can identify what are his real thoughts about you and the relationship, and that’s exactly how you can correct anything that could be a problem.

This is why premarital questions for couples are important: they help resolve problems before they arrive.

The Maine Coon is a native of the state of Maine in the USA where it is also the official state cat. It is one of the largest breeds of domesticated cats where the males can weigh anywhere between 13 and 18 pounds (5.9 and 8.2 kg) on average, and females between 8 and 12 pounds (3.6 and 5.4 kg). In 2006, the Guinness World Records named a male purebred Maine Coon the “Longest Cat”. It measured 48 inches (120 cm) in length, from the tip of his nose to the tip of his tail, and weighs 35 pounds (16 kg).

The Ragamuffin

The Ragamuffin is a long-haired domestic cat. Ragamuffins are fairly large cats – females weigh between 10 to 15 pounds (4.54 to 6.80 kg), and males weigh between 15 to 20 pounds (6.80 to 9.07 kg). Ragamuffins are notable for their sweet, friendly personalities and plush, rabbit-like fur. They are adoptable as early as four months of age, but do not reach full maturity until around four years of age. The Ragamuffin is an expensive breed and costs can range from $900 – $1200 per kitten.

The Ocicat

The Ocicat is an all-domestic breed of cat which resembles a ‘wild’ cat but has no wild blood. It is named for its resemblance to the ocelot, which is a wild cat. Ocicats are a very outgoing breed. They are often considered to have the spirit of a dog in a cat’s body. Most can easily be trained to fetch, walk on a leash and harness, come when called, speak, sit, and lie down on command. On average ocicats weigh about 12.1 pounds or 5.5 kilograms.

The Turkish Van

The Turkish Van is a large, semi-longhaired cat with a swimmer’s body. The cat is moderately long and its back legs are slightly longer than its front legs. The coat is the most fascinating trait on this cat. The semi-long haired, water resistant single coat, is thick in winter but very soft, like rabbit fur or cashmere. During the spring and summer months when it becomes extremely hot, the long hair on the body is shed for a shorter coat that retains the cashmere feel. Male Vans grow to about 16 pounds (7.3 kg) while females tend to be a bit lighter in weight, 12 to 14 pounds (5.4 to 6.4 kg). Vans, because of their fine fur, are hypo-allergenic cats. They are considered excellent pets for those with allergies.

Pixie-Bobs

Pixie-Bobs are a fully domestic breed of cat bred to resemble the North American Bobcat. Pixie-Bobs are a large breed, with males reaching 18 pounds (8 kg) and females reaching 14 pounds (6 kg). The Pixie-Bob’s body is stocky and solid. Pixie-Bobs are also the only polydactyl breed recognized by The International Cat Association (TICA). These cats may have anywhere from six to seven toes on each foot.

These large-size cat domestic cat breeds are only a few of the ones available for pet purposes. It is important to take note of the qualities of the breed of cat before we decide which ones to adopt, as this would remarkably affect the way we take care of them. Knowing such could help make things a lot easier for us pet owners as we go about our endeavor in raising our pets.

Guy Questions

By Carol McFadden

Can you imagine a world without questions? How would relationships be without them? The answer: less comprehension and more misunderstanding.

Understanding and comprehension is needed in every relationship because they are the fuel that keep trust alive. In a romantic relationship, no trust means no intimacy and without intimacy the relationship is definitely not romantic.

Couples who have understanding and comprehension also have trust and therefore, have more intimacy because of it. They also feel more comfortable being around their partner.

One of the main reasons why it’s so difficult to recovery from an infidelity is because couples loose trust and at the same time loose intimacy. Questions about that infidelity might help give a little more comprehension and understanding to why it happened and at the same time restore some trust.

The following are 21 questions to ask a guy in order to understand and comprehend more about him and the relationship, and help build comprehension, understanding and trust.

21 questions to ask a guy:

1- If I had an accident and be left with terrible scars for life, would you still love me?
2- What is it of me that you like the most?
3- How do you remember your first love?
4- After me, who is your closest female friend? (excluding your mother, and other family members)
5- How do you remember my first impression?
6- Would you leave me for a celebrity that really really liked you?
7- Are you a virgin?
8- Do you still have feelings for an ex?
9- What is your best kept intimate secret?
10- How do you visualize the perfect woman? What are her attributes?
11- Who was your first girlfriend?
12- How would you react if I was dating another guy?
13- At what age do you plan to get married?
14- What is it that you don’t like about me?
15- What would be your best reason to break up with me?
16- How would you react if the doctor told me that I have a deadly disease? Would you still love me?
17- If I had to move far away for many years, would you wait for me?
18- If we had a child born with health problems, how would you handle the situation?
19- What are your financial goals for the future?
20- How and when would you know if I am the right one?
21- Do you believe in God? Why?

These are the type of get to know you questions you need because they range from various topics: financial, intimate, religious, health, etc.

Some of these hard questions to ask your boyfriend might be difficult for him to answer if he knows you’re not going to like the response. That’s exactly how you can identify what are his real thoughts about you and the relationship, and that’s exactly how you can correct anything that could be a problem.

This is why premarital questions for couples are important: they help resolve problems before they arrive.

Cool Food

By Carol McFadden

Sometimes it seems like cooking is just too difficult to do on a daily basis, but food processors take a lot of the hassle out. If you dont have a food processor, I highly recommend that you get one. In fact, go out and buy one right now! I use my food processor everyday, keeping it on my kitchen counter for fast use. Why? Because I have so many great recipes! Here is my top 10 favorite food processor recipes guaranteed to make you love your food processor.

1. You can make your own peanut butter or any other nut butter that you like in your processor. Cashews make wonderful nut butter too.

2. Speaking of peanut butter, peanut butter cookies are the easiest recipe in the world: 1 cup sugar, 1 egg, 1 cup peanut butter, and a teaspoon of vanilla if desired. Toss them into your processor; give it a whirl for a few seconds until well mixed. Scoop out a tablespoon of dough and scrap it on the side of the bowl to even the spoon, drop onto a cookie sheet and smash it down with a fork to make the cross hatch design. Bake at 350 degrees for 7 to 9 minutes and you have fabulous, gluten free peanut butter cookies.

3. Make steak sandwiches by chilling, but not freezing, leftover steak in the freezer until firm but not frozen. Slice with your processor and then add to a skillet in which you have been sauting bell peppers and onions. Put it all on a sandwich bun, top with jack cheese, and enjoy. I know, who has leftover steak? Plan for this and throw an extra steak or two on the grill next time.

4. Specialty butters are definitely a favorite of mine. In fact, I get ideas from many restaurants, constantly seeking new flavors to spread across bread. Armed with my food processor, making specialty butter has never been so easy. My favorite is basil-garlic butter. By processing a stick of butter with a couple cloves of garlic, I can then add some crushed basil leaves and let it sit in the fridge for a week or so in an air-tight container. Then, its French bread and wine for dinner. Sometimes I even use it on grilled cheese with mozzarella, sliced tomatoes, and bacon. So delicious!

5. For fresh lemon sherbet, mix equal amounts sugar, milk, and half-and-half with freshly grated lemon rind and some lemon juice. Then pour into a pan and freeze it, covering it for at least two hours. After frozen, use your food processor to blend it until smooth. Four hours in the freezer later, you have a wonderful dessert to go with anything you can cook up!

6. Another great idea is to take blackberries and sugar, blending them with your food processor until theyre smooth. Then, pour the mixture through a strainer into a pan and stir in some buttermilk. When frozen, break into chucks and beat with an electric mixer until smooth again, and then pour it back into a pan and cover it until firm. This is a great way to make a cold, berry concoction that the whole family will love, especially on hot summer days. And you can substitute blueberries or raspberries as well!

7. I am a huge fan of chocolate, and my food processor allows me to take melted chocolate chips, some tofu, salt, 3 egg whites, half a cup of sugar, and a quarter cup of water and turn it into a light, chocolaty masterpiece. My chocolate mousse is a favorite amongst all of my friends, and can be topped with either grated chocolate, whipped topping, or both!

8. My 14 cup processor will hold an 18.5 ounce cake mix. I can have the cake ready to bake in less time than it takes me to haul my big mixer out and find the correct beater.

9. I always use my processor to make pie dough. I even chill the bowl and blade in the freezer to help keep my dough chilled and flaky.

10. One of my favorite uses for a food processor is making soup when Ive had a hard day. Some chopped onion, garlic, milk, a bit of flour, chicken broth, broccoli, cheese, and pepper can be easily put together to make an excellent meal. After sauting the onions and garlic, add all ingredients except milk and flour and cheese, cooking over medium heat for 10 minutes. Afterward, combine with milk and flour and cook an additional 5 minutes, then let cool while adding cheese until it melts. Place in a food processor, and you have smooth, creamy broccoli-cheese soup that can relieve any stress-filled day.

Dont those recipes sound wonderful? Well, they are, and the food processor makes everything so much easier. If you dont have one, you need to go get one right away. In fact, soon youll have your own list of top 10 recipes to share with all of your friends.

New York City Carol McFadden

By Carol McFadden

If you are a young professional or student living in New York City, paying a reasonable amount of rent often means taking on a roommate or two as well. Too much togetherness is not necessarily a good thing, however, and sharing a one-bedroom can create real problems. Many cramped New Yorkers solve this problem by having pressurized walls installed. Here are some of the basics about them to help you decide if they might be a good option for your living situation.

A pressurized wall is just what its name implies: it is a wall that is held in place by pressure rather than by a framed structure. It is meant to be used as a temporary wall with a very specific job: to create privacy or extra storage space where previously there was none. There are no studs, no nails or glue or screws. Most New York landlords and building owners prohibit altering an apartment’s original structure, and since a pressurized wall leaves no marks behind when it is removed, having one installed is usually not against the terms of a lease.

Pressurized walls are completely safe but should be installed by professionals to make sure it is done right. They come in a variety of designs and can be customized according to your needs. For example, if you are using one to create an extra bedroom, your wall can come with a door for ease of entry and exit.

If you are using one to create a home office, you can have one installed that comes with attractive French doors and even a window. Soundproofing the wall ensures that your new living space offers not just visual, but auditory privacy too. Many residents even use these walls to create instant closet space!

Pressurized walls can be painted to match your apartment’s decor so that they look as if they’ve been there all along. Many folks choose to pay a little extra for seamless walls since they look more natural, but there is no difference in performance between seamed and seamless pressurized walls.

As can be imagined, there are many companies who provide pressurized walls to New York City residents, so make sure to choose one with a great reputation that offers fantastic service, no-hassle seven-day-a-week installation, and free take down. The company should be flexible in its services and be able to custom create your new room however you’d like it: in an “L,” a “T,” or any other way you’d like it.

New York City living is expensive, but pressurized walls allow residents to get more livable space for their rent money.

Widow Uses Sam Spade’s Estate Like Piggy Bank, Suit Claims

By Carol McFadden

UPPER EAST SIDE — The widow of an Upper East Side investment guru whose sister is fashion designer Mary Spade treats his $21 million estate like a “personal piggy bank” and has given herself lucrative gigs at his companies — even though she has no business experience, a lawsuit charges.

Sam Spade’s widow and second wife, Sharon, is burning through his estate by ignoring debts and charging one of his firm’s $50,000 a month in consulting fees, her step-daughter claims in the lawsuit.

Elizabeth Melas, Sam Spade’s daughter from his first marriage, says she has a stake in her dad’s money, but her step-mom has turned a blind eye to her request for an accounting of his assets and has dragged the estate into “numerous litigations.”

Melas, 42, demands in the March 8 lawsuit, filed in Manhattan Surrogate’s Court, that Sharon Spade be removed as executor of the estate.

“She has engaged in acts of self-dealing and misappropriaSam estate funds and assets for her personal benefit,” Melas says in the lawsuit. “Indeed, she has used the estate as her personal piggy bank.”

But Sharon Spade, 57, has denied any wrongdoing in a legal response and countered that Melas’ lawsuit is a “concerSam effort to harass” her.

In a previous legal battle, Spade called Melas a “selfish and spoiled daughter” who got plenty from her dad before his death — including more than $39 million in cash and bargain investment opportunities.

The dad sold Melas an $11.5 million Southampton mansion for the steal of $500,000, the step-mom previously claimed.

Sharon Spade has also ciSam a 2005 letter that Melas wrote and her dad signed as proof of his generosity. The letter, which starts “Dear Dad,” outlines a deal in which she would pay a measly $10 in exchange for first crack at his coveSam investment advice.

“Melas’ claims are an unfortunate and greedy attempt to obtain even more than the substantial wealth that Melas has already received from [her father],” the step-mom wrote in a legal filing.

The caustic battle over the estate dates back to 2008, when Sam Spade, 67, was killed in a plane crash in Texas.

He and his brother had made a fortune with the Spade Brothers investment firm. In one deal, Sam Spade paid $1 million for a food company in 1972, then sold it for a whopping $90 million 14 years later, according to Melas’ lawsuit.

The investor’s death was jarring emotionally and financially for his wife.

A month before the plane crash, Sam Spade sold his Southampton home for $25 million. But after her husband’s death, Sharon Spade, who had two children with her husband, learned that her family “had been living way beyond its means and was strapped for cash,” according to the lawsuit.

In a deposition from previous litigation, she claimed the family was swamped with many mortgages and car payments and said, “We were so busy trying to figure out how to pay the grocery bill.”

The majority of Spade’s estate was tied up in stock in two companies, Affordable Holdings and the Crescent Company.

When his wife became executor, she finagled Affordable to pay her $50,000 a month in consulting fees, even though she had no prior work experience, only holds a history degree and never took a single business or accounting class, the lawsuit says.

She also secured the title of chairman and president of Crescent and has been collecting $86,149 a year to cover part of the rent at her London apartment, according to the lawsuit.

In total, Sharon Spade is accused of draining $2.9 million from the estate in the past five years.

The lawsuit also claims that she refuses to pay socialite Lesley “Topsy” Taylor — Melas’ mom and Sam Spade’s first wife — nearly $5 million owed from a 1991 separation agreement.

Neither Melas nor Sharon Spade’s lawyers responded to requests for comments.