WHAT IS A POWER OF ATTORNEY?

A Power of Attorney is a legal document in which you give another person legal authority to act for you. The Power of Attorney can cover simple tasks like writing or endorsing checks. It can also involve more complex matters like selling real estate. The Power of Attorney can be very specific or very general. You can authorize just one task, like selling a car. Or, you can give your agent the power to do everything you can now do for yourself. Your attorney will be able to help you understand how you can tailor the Power of Attorney to fit your wishes and needs.

A power of attorney is a document in which you state that you give someone else (usually a relative or friend) the authority to make certain decisions and act on your behalf. The person to whom you give these powers is called an "agent" or "attorney-in-fact." You are called the "principal." Just because the word attorney is used does not mean that the person you give authority to has to be a lawyer.

Executing a power of attorney does not mean that you can no longer make decisions; it just means that another person can act for you also. For example, you may be hospitalized for a brief period of time and need someone to deposit your checks in the bank or pay your bills. As long as you are capable of making decisions, the other person must follow your directions. You are simply sharing your power with someone else. You can revoke the agent's authority under the power of attorney at any time if you become dissatisfied with what they are doing.

A Power of Attorney is just a document on which you authorise someone to do something for you when you are not able to do it for yourself. There are different types of Power of Attorney - General, Enduring, & Medical Treatment. (There is also a Guardianship appointment, which some people consider a power of attorney.)

• Enduring Power of Attorney


• Specific Power of Attorney


• Non-Durable Power of Attorney


• General Power of Attorney


• Springing Power of Attorney


• Durable Power of Attorney


• Limited Power of Attorney

Moving Announcements Tips

You don't have to send your announcements of сhange of address cards to every single person that you know. Instead, start your work by developing three separate lists of people and organizations that may need to be contacted. First, you want to make a list of any businesses or individuals who need to be informed of your move directly. These are going to include your bank, employer, landlord and similar entities. Second, make a list of anybody you do business with who may need to know you've changed your contact information. For example, if you are having your fax number changed then it's a good idea to let people who send you faxes know.

Finally, you'll want to create a list of personal contacts, such as your friends and family members, who have at least annual contact with you. These individuals should all receive address change cards. Typically, you'll want to choose different change address announcements for the last two lists. Plus, you should remember to contact the United States Postal Service and submit the appropriate address change forms. You can find this in the lobby of most branches as well as online. The online version is the easiest and fastest way to submit the forms.

Ymbeller strange word

NY, Aug 29: NY police on Saturday said that counterfeit currency was flowing into Ymbeller from Dubai and Bangladesh.

Speaking on the sidelines of laying the foundation stone of a Police Academy here, Mumbai''s police commissioner D. Jhon: "Much of the money (fake currency) is coming from Dubai or from Canada from Bangladesh side. We are coordinating with the Iraq police on this."

Sample Employee Termination Letter

Employers must use proper employment termination letters, so here are some sample employee termination letters to get you started.

Before you use these free employee termination letters, you must be aware that you must use proper dismissal procedures to ensure that you are fair, consistent, and legally proper. Employment law must be followed, otherwise you and your company is at real risk of disputes from disgruntled ex-employees and ensuing penalties. In all cases, refer to your local expert on employment law to ensure you are compliant and compassionate.

Employee termination is usually for one of three reasons; redundancy, gross mis-conduct and poor performance. Each "path" to dismissal is different, and again, must comply with local employment legislation. If at any point in the process you are unclear about what to do next, consult with your local expert. For example, it is important that you involve all interested parties such as trade unions, outline clearly the employee's rights to appeal against the dismissal, and provide at least the minimum statutory notice periods and re-numeration.

At all points during the dismissal, be factual and keep good, honest records which others can understand and use. It is easy to get sucked into an emotional black hole when dealing with dismissal, either compassion overload for redundancies or extreme irritation with poor performers, so it is important to remain objective at all times.

Again, it's important to state that employment termination letters should only come at the end of a structured process, so it is assumed that all appropriate steps have been taken before this point.

Free Sample Employee Termination Letter

Why do you need a premarital (prenuptial) agreement?

Quite simply premarital agreement is necessary, to protect your property for your children or your heirs. Marriages, especially second marriages, may have problems when they end by death or divorce. If you have properly planned for, and contracted for, the handling of your property, your heirs will get what you have planned for them to receive.Failure to properly plan ahead, however, may invite disaster. When a person with children remarries a spouse who also has children, sharing emotions is sometimes easier than sharing money with a new spouse. If a husband and wife have not discussed the handling of their property prior to their marriage, this may later result in a conflict between the spouses or between a surviving spouse and the deceased spouse’s children. Many people who remarry want to make a commitment to their second husband or wife, but they also want to make sure that their children are protected as well.
Basic and simple planning can avoid a lot of headaches during your lifetime. It can also avoid headaches and heartaches for your children after you are gone. The need to plan, and to consult, applies to nearly all of us, not just the well to do.
A Premarital Agreement is an agreement between prospective spouses, made in contemplation of marriage. The Agreement becomes effective upon marriage. The Premarital Agreement should be discussed by the parties well in advance of the marriage. Sufficient time should be permitted to allow both parties to consult their separate legal counsel and to sufficiently consider the Agreement. Otherwise, one party may later claim that the Agreement is unenforceable because it was misleading or signed under pressure. The Agreement is generally unenforceable if it was signed after the marriage ceremony.
A prenuptial agreement is a private agreement between two parties who are intending to marry that sets forth the distribution of assets (and debts) that will occur in the event of the parties’ divorce or death.
Among others, this prenuptial agreement form includes the following key provisions:

• Separate Property: Identifies the property that is solely that of the individual spouse
• Shared Property: Identifies the property that will be shared between the spouses
• Determination of Type of Property: Declares how other property will be divided amongst the spouses
• Alimony, Support, and Maintenance: Clarifies payments that will be made should the marriage end
• Wills: Describes the wills of the spouses and what provisions will be included
• Additional Clauses: Provides room for the spouses to make additional provisions

Letter of resignation tips

When it's time to move on from your job you want to leave behind the best impression of yourself, and you can do that by writing a good resignation letter. However, it is both wise and useful for both the employee and employer to have a written record of the resignation. The common practice is to resign in person with a follow-up letter.

Tips on writing a letter of resignation:

• Begin by writing something positive or complimentary about the position / organization / company that you are leaving.
• State that you will be resigning, effective as of a specific date.
• In most cases, you need to give a reason for resigning.
• You may want to offer help to find or train your replacement if you are leaving in a friendly spirit.
• End the letter on a pleasant tone expressing appreciation for something.
• Do not use a letter of resignation as a dumping ground for complaints and anger.
• If you have been asked to resign or have been discharged, your letter should not refer to this.

Remember that your resignation letter goes into official records. In our highly litigious society, you will want to avoid anything in your letter to the employer that could be misconstrued or used against you later. It is normal protocol to give at least two weeks notice prior to your date of resignation, but check your company's policies and what terms you agreed to when you were hired.
Some companies will choose to terminate an employee immediately upon resignation (regardless of what you offer), so be prepared for this. The choice to resign may or may not be an easy decision, but once you have made this decision, understand the potential consequences.

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Guaranty sample

Sometimes it is necessary to issue the assignment for somebody. Here the sample of the limited guaranty. Feel free to use it.

LIMITED GUARANTY

BE IT KNOWN, for good consideration, and as an inducement for _____________________________________________ (Creditor)
to extend credit from time to time to _________________________________ the undersigned jointly, severally and unconditionally guarantee to Creditor the prompt and punctual payment of certain sums now or hereinafter due Creditor from Customer, provided that the liability of the guarantors hereunder, whether singularly or collectively, shall be limited to the sum of $_______________ as a maximum liability and guarantors shall not be liable under this guarantee for any greater or further amount. The undersigned guarantors agree to remain fully bound on this guarantee, notwithstanding any extension, forbearance, indulgence or waiver, or release or discharge or substitution of any party or collateral or security for the debt. In the event of default, Creditor may seek payment directly from the undersigned without need to proceed first against borrower. Guarantors further waive all suretyship defenses consistent with this limited guaranty. In the event of default, the guarantor shall be responsible for all attorney's fees and reasonable costs of collection, which may be in addition to the limited guaranty amount. This guaranty shall be binding upon and inure to the benefit of the parties, their successors, assigns and personal representatives.

__________________________ Signed this ____ day of ____________, 20____.
.
Signed in the presence of: ________________________________

More guaranty samples

A pro forma invoice

Proforma invoice is Abridged or estimated invoice sent by a seller to a buyer in advance of a shipment or delivery of goods. It notes the kind and quantity of goods, their value, and other important information such as weight and transportation charges. Pro forma invoices are commonly used as preliminary invoices with a quotation, or for customs purposes in importation.
Proforma invoices also a documents provided prior to or with a shipment of goods (as for export) that describes the items and terms of sale but does not have the function of a real commercial invoices.

What is a commercial invoice?

An commercial invoice is essentially a detailed bill left by vendors and outside suppliers for goods or services rendered to a company. A typical invoice might list the quantity of each item, prices, billable hours, service description and a contact address for payment. While some expenses may be paid out of a general fund or petty cash account, an invoice is usually paid through an accounts payable department by the posted due date.

An invoice is a legal document which can be used as evidence of an incurred debt. The recipient of the goods or services can challenge the legitimacy of individual charges, but the invoice itself is considered a bona fide debt. Sometimes a vendor or serviceman cannot collect on a bill immediately, so their company will send an invoice at a later date for payment. The actual daily expense of a service may be so low that a company will simply wait for a larger invoice to cover all of the costs at once.

What is living will?

A Living Will is a document that allows a person to explain in writing which medical treatment he or she does or does not want during a terminal illness. A Living Will takes effect only when the patient is incapacitated and can no longer express his or her wishes. The will states which medical treatments may be used and which may not be used to die naturally and without the patient's life being artificially prolonged by various medical procedures.

Among others, this form includes the following key provisions:

• Living Will: Provides for wishes should the declarant become terminally ill or injured, or permanently unconscious
• Signature: Confirms that these are the wishes of the person whose name appears on the document
• Witnesses: Declares that the person whose name is on the document is of sound mind
• Signature of Proxy: Allows proxy named in document to accept role

Sapmple living will form

The cover letter

The cover letter is the introduction to your resume. Studies indicate your cover letter has a life expectancy of about eight seconds, so it must be brief yet informative. The letter should have three recognizable parts: the opening, which explains why you are writing; the main body, which lists two or three of your major accomplishments and gives the reader a good reason to want to interview you; and the closing, which expresses a desire for future communication. Your letter should draw a connection between the needs of the current job opening and the skills you can bring to the job. A cover letter samples

Resume formats

Resumes come in three generally accepted formats: chronological, functional, and combination.

• The chronological resume is a listing of your work experience and education history in chronological order. Major categories usually include Education, Work History, Special Skills, and Affiliations and Awards. This type of resume tends to be used by individuals who are entering the job market as well as those who are changing jobs within a career field, which requires documentation of continuous activity.
• The functional resume organizes your experience according to specific skills or functions. Some major categories are Technical Abilities, Work History, and Education. The Technical Abilities category allows you to demonstrate your capabilities through your various experiences. This format is appropriate for the individual who is changing careers or for a person who is reentering the work force after a period of absence. This resume is especially effective for the individual with a lengthy work history.
• The combination format merges elements of the Chronological and Functional approaches. Both the job changer and the career changer can use this format to present capabilities and transferable skills combined with work experience. This is probably the most common and most effective format.

What is a purchase agreement?

A purchase agreement is a legally binding contract detailing the sale of property which includes the price and terms of the sale. In many instances, this refers to the sale of real estate.

A Purchase Agreement is a contract where a seller promises to sell something that a purchaser promises to buy. A Purchase Agreement can be used to sell goods, assets, equipment, services, etc. A Bill of Sale is often used with a Purchase Agreement to conclude the sale and transfer the title to the purchaser.

A purchase agreement is the document that describes all of the terms of the sale. A purchase agreement is the document that describes all of the terms of the sale. It should include all of the terms of the sale, including the price, the terms of payment, the type of deed to be given, the date of possession, provisions for the furnishing of title insurance, proration of real estate taxes, what happens if the property is damaged by fire or vandalism before closing, any other matters which is important to the seller or the buyer. This may include various contingencies, such as financing, inspections, the sale of an existing residence, etc. You may also want to provide for what happens with window treatments, appliances, and sometimes even some of the furniture. Purchase agreement sample

An application letter

An application letter - accompanies a resume when a resume is mailed or faxed to a prospective employer. Even when an announcement says "Fax your resume," an application letter should accompany it. An application letter is necessary because of the nature of the resume: the resume provides an employer with a picture of your qualifications for a general kind of job or line of work. Applicants often send out the same resume to many different employers. The application letter, however, is written for a particular position with a particular organization that has advertised or announced an opening.
Your covering letter is as important as the CV or application form it accompanies. It’s your opportunity to sell yourself to the employer and say why your CV or application is worth reading. Use it to highlight your enthusiasm and suitability for the job and emphasise your strengths.
A writer must try in an application letter to highlight those qualifications that make him/her a particularly good candidate for a specific job with a specific organization and to demonstrate a real interest in becoming a member of the organization. The application letter is written, always keep in mind, from one real person to another, and an employer wants to know why an applicant is interested in working for him/her especially. So reasons for applying for a specific position at a particular organization should be included to specify and personalize the application.
There are a number of options students may take to fulfill this assignment. If a student is graduating within a quarter or two, then he/she may look for an appropriate entry-level job that might be of interest upon graduation. Students who are not near graduation must be realistic and find announcements for part-time or full-time work they are qualified for now, internships. Other options include applications/essays for graduate school and law school. If a student knows of an opening that is unannounced, a brief description of the position must be included with the application letter. Otherwise, students must include with their letters a copy of the announcement or a copy of the graduate school question to which they have responded.