Business

9 Compelling Business Advantages of Gmail Cloud Computing for All Your Office Productivity Needs

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Implementing Google’s Gmail for my startup internet marketing business has allowed for minimal and secure IT management of my 8 websites (28+ email accounts). Supporting a mixed operating environment including Microsoft, Ubuntu, and MacOS, multiple browsers, and Microsoft Office document file formats, Open Office is possible and easier with a cloud computing environment like Gmail.

So why would you consider cloud computing like Google Mail for your business, especially an SME (small medium business)?

In two words: security and compliance. Email security, web security, and message compliance are the underlying benefits of strong business reasons for having your mail and office documents served through Gmail.

Compliance with security and retention requirements

Whether your organization is one person or thousands of people, you are faced with accounting, legal, and government regulations and standards that dictate acceptable levels of IT security and record retention for all electronic files and email. Gmail can help you ensure compliance and deliver real business benefits by streamlining email and document management. Implementing Google Mail is simply smart business. Some benefits include:

1) Organize and File (Archiving) your email the way you want.

Google uses tagging as a way to archive and organize your emails. You can tag an email with multiple tags. For example, an email from your accountant with tax information might be labeled “Corporate Tax”, “Accountant”, “IRS”, “Revenue Canada”. No more being restricted to having to choose only one file folder to move an email to.

2) Keep email conversations or threads linked together.

Appearing as cascading file folders, emails on the same topic (subject) will be kept together in your inbox or multiple archive labels you’ve assigned. Without looking for the email trail or email thread on a particular topic. They are visually represented as a group of stacked file folders.

3) has free unlimited storage repository for all your emails and messages forever!

At 7 gigabytes per Gmail user account and growing as of August 2008, Google Mail’s tagline is “you’ll never need to delete another message.”

Takin’ Care of Business, instead of IT or IT administration

Reducing the time spent managing your computer’s storage, security, backup, and recovery allows you to spend more time building your business. Manage all your email accounts entirely from one or two Gmail addresses. Once set up, Gmail offers this low administration environment.

4) No mail is downloaded or stored on your server, desktop, laptop or PDA. This eliminates any administrative stress or anguish associated with:

– search for emails stored and scattered across multiple client devices – some emails on your PC, some on your laptop, some on your PDA

– schedule backups of your email, contact list and documents

– recovery (and loss) of email and documents due to the loss, failure or theft of the customer’s device

– storage capacity expansion due to continued growth and retention of email and documents

– remote or mobile access to all your emails, attachments and documents

– manage, consolidate and keep multiple email addresses and personalities intact

– offsite backup of select files for SOHO or small business

Easy online document creation, management and collaboration

5) Use Gmail Online Office Suite to create, manage, and store your business documents, spreadsheets, and presentations. Read and write Microsoft Office format documents, as well as all variants of open documents. Safely stored on Google, delete HDD file storage and backup. No more MS Office license fees for Microsoft.

6) Store pictures and images using Picasa Web Albums. Manage your images on your PC using the FREE Picasa software: crop, adjust, special effects.

7) Online chat and messaging integrated, stored and managed just like your email.

Reduce complex email security threats to your corporate data

8) Google once again has a very smart spam filter which checks the content of each message and thus does not arbitrarily blacklist the email address, only the specific email due to the content. Emails are not downloaded to your PC or to an office application; therefore, there is no wasted bandwidth or risk of infected emails on your hard drive.

9) Google virus check it is also done away from your computer. All attachments are checked on the Google server for viruses and if infected, they are marked or moved to SPAM immediately. No infected email reaches your computer’s hard drive.

Traditional servers or computer-based email systems download ALL your email and pass it through an antivirus/spam filter on your computer. This is a waste of bandwidth usage (downloading spam) and, even worse, it exposes you to the additional risk of spam and virus-infested emails getting anywhere near the data files on which hard drives of your computer.

So why should you seriously consider using Google Mail for all your office needs?

– Full mobility in the office: through any browser, access your email, documents, images, chat

– Access from anywhere, at any time through any browser

– No backups of email, office documents or contacts required

– Manage multiple user profiles and email accounts in one convenient place

– Includes control of Anti-Spam and Anti-virus from your PC, Laptop or Server

– Free unlimited Gmail file space

– Next to No Mail Management.

Gmail is the perfect mobile office utility for small, medium and large businesses. Google Mail’s cloud computing environment will allow you to focus on the operations and growth of your business. Deploying Gmail’s cloud computing model for your email security and compliance makes a lot of sense.

Keep your head in the clouds!

Home Kitchen

Cleaning and Handling of Glass Showcases

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Buying cabinets is one thing and caring for cabinets is another. You need to perform both tasks perfectly and leave no stone unturned when it comes to cleaning and handling the glass itself. It can become a nightmare for you to carry out the process of cleaning the cabinets in a serene way. To beat the odds, you need to have knowledge about the essential elements and factors in regards to cleaning glass display cabinets. If you are going to find a way out, be sure to read this page carefully. The following are the important and essential tips regarding the glass cleaning process.

  • Regular Cleaning

The first step is regular cleaning. You can’t just wait for the harmful aspects to show up and then start the cleanup process. This kind of attitude is not going on. You should have glass cabinets go through a regular cleaning process, which can set the stage for you to get clean and best looking glass cabinets. Daily cleaning is important because display cases can get dirty and sticky in no time.

  • Lint-free cloth or napkin

To carry out the cleaning process with 100% efficiency, a lint-free cloth may be ideal. You should clean the cabinets with such a cloth for streak-free results. It is important that you keep this cleaning tip in mind when you go to clean the cabinets. Along with the lint-free cloth, there are also certain cleaning products to take.

  • Polished with Newspaper

If you are going to remove stains from glass, you should polish it with newspaper. You should apply this type of polish after the normal cleaning process has been done.

  • Tip for wood frame

Wooden display cabinet frames can be difficult to clean. Along with wooden frames, metal frames are also available. It is important that you select the cleaning product that works best with both the wood and metal frame of the cabinet. Wood and glass cleaners can be a good option, but if you are looking for a complete package in regards to a cleaning product, then you should go for any of the all-purpose cleaners available that can do the trick for you.

  • look at every angle

If you are not going to leave room for mistakes, then you need to clean glass cabinets at all angles. It is important that you check the display case for visible marks. You should check from all angles, and if possible, from different heights as well. It can entitle you to a spotless clean. Glass display cases can help display items properly with little difficulty. To get the job done and extract the desired results, you need to keep glass cabinets clean. To carry out the cleaning process, you need to refer to the guidelines mentioned above.

Auto

The 5 Cheapest Cell Phone Signal Boosters

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Introduction:

The development of phones inspired scientists to develop the necessary accessories for the phone to work properly, for example, range extenders, wireless cell phone signal boosters, chargers to run the battery and countless other rather exciting accessories that are have developed in recent decades. . All these accessories just perform their specific task for which they were designed and are available from different brands, but experts stated that the most popular and leading brand among all cell phone antenna makers is Wilson Electronics. They provide users with their own unique and diversified variety of cell signal amplifiers, antennas and boosters.

About cell phone signal booster:

Cellular signal boosters, first designed in the 1990s, are complicated, easy-to-use, and powerful devices used to increase a phone’s signal-grabbing ability. Since the last few decades, many companies are competing in this market and there are hundreds of cell signal boosters available today.

The 5 cheapest cell signal boosters:

With this wide variety of cell phone signal booster antennas available, it can sometimes be difficult for people to decide which one is best for them. Therefore, 5 cheapest cell phone operator signal boosters are described in this topic with the explanation of their operation to provide ease for customers.

The list in ascending order is as follows:

  1. 8db signal booster antenna for GSM and CDMA mobile phone + bracket
  2. Wi-Ex 6Dbi Omni Signal Antenna Cellular Signal Booster – YX022-CEL
  3. Spotwave Wireless Cell Phone Signal Booster
  4. zBoost YS200-PCS/CEL Cellular Signal Booster for Car
  5. Wi-Ex YX230 PCSCEL zBoost Dual Band Cell Phone Signal Booster for Cars

8db Signal Booster Antenna for GSM and CDMA Mobile Phone + Support:

Are you facing a network problem? The 8db signal booster antenna gives you the solution for this by giving the user the benefit of backing up their GSM or CDMA connection even in a low coverage area. To help users further, these cell signal boosters come with a stand and a holder to hold your mobile phone. It does not require any landline connection for its connection and can be easily used. The light weight, the better reception provided by the installation and the ease of use of this device make it very useful.

Best Price: $19.99

Cell Phone Signal Booster with Wi-Ex 6Dbi Omnidirectional Signal Antenna – YX022-CEL:

This 25 inch long slim antenna is an upgrade from the omnidirectional antenna to cover a large living/work space area with better coverage and provides 6dbi gain for cellular units.

Best Price: $94.99

Spotwave Wireless Cell Phone Signal Booster:

Is the signal service at your home or workplace at 0 bars? Are they bothering you with your cellular network? All of these questions can be solved by using a cell phone signal booster and point wave wireless cell signal boosters seem to work as a problem solver at this stage. Made in the USA at 4.80 lbs., this wonderful device has the powerful ability to boost cellular signals over a large coverage area without exception. This little device works as a complete package for people who want to experience crystal clear communication.

Best Price: $115.99

zBoost YS200-PCS/CEL Cell Phone Signal Booster for Car:

zBoost is specifically designed for people who drive long distances and face signal issues, especially in rural areas. This latter device works best in any car and is easy to install. It provides the best coverage and reception in areas where there are even weak or no signals, it works like a magnet that attracts signals, amplifies them and directs them to your phone and allows you not to miss your important calls even while driving.

Best Price: $148.39

Wi-Ex YX230 PCSCEL zBoost Dual Band Cell Phone Signal Booster for Cars:

With Wi-Ex YX230 zBoost experience more miles of clear-sounding calls without any interruptions. This small device is capable of extending cellular signal at 10 times the signal strength, is dual band compatible and can work with almost all phones to provide better data and voice service and requires no physical connection to your phone.

Best Price: $149.88

Digital Marketing

Improve your business by integrating WordPress with SugarCRM

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Think of your business powered by CRM technology, designed to work and easy to use. Deep industry-specific functionality and an interactive interface offer new solutions that enable your business to innovate and stay competitive. Customer relationship management software applies to the system through which businesses market, sell, and provide services to customers. CRM must provide customization that meets the needs of the business, whether it is a small, medium, or large business organization.

“CustomerPortalPro” is such a platform that allows organizations to quickly and easily create a dedicated SugarCRM Customer Portal that they can access from their WordPress interface, a more secure and efficient way to consume information and interact with processes, applications and other users to meet the requirements of specific industry sectors.

This plugin will help your clients to use various Sugar modules in their WP frontend, which you can define from your admin. You can integrate modules like Accounts, Contacts, Leads, Opportunities, Calls, Meetings, Notes, Cases, Documents, Tasks, etc. to your WP client interface for your use.

It will simplify and reduce your task of communicating with your customers by any other means. Your customers will be able to update all the above modules on their own.

main benefits

  • You can decide which module access should be provided to all clients from the Sugar side.
  • Customers can access the plugin through a username and password.
  • In the Edit and Contact Details layout, you can set which fields your end customers can see and use
  • To avoid duplicate data entry, email id, username and passwords are required, also emails and passwords must be unique.
  • You can assign roles to a specific user
  • The assigned user must be configured in the WP settings.
  • Modules assigned to a specific role will be displayed on the portal based on roles.

Industry Specific Benefit

Enabling organizations of any size to capture customer related information and analyze the data to achieve excellent quality and maximum customer satisfaction. Solutions should be such that they can be fine-tuned to meet your exact needs and are highly scalable so they can scale as your business expands. Successfully building brand loyalty and maintaining lasting customer relationships is important to attracting and retaining customers in the face of increasing competition.

Self-service is the key to engaging consumers today, and integrated CRM sites have become an integral part of user interaction with the companies they do business with. They can be employees, customers or partners who want to interact with the organization from anywhere in the world at any time. A portal like this provides a convenient way to post service issues and allows you to stay open for business around the world. The 24 x 7 service will allow you to provide a high-quality experience to customers.

Relationship

Verbal self-advocacy: a critical factor in women’s self-advocacy

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Verbal self-defense, the use of your voice in a threatening situation, is an extremely important tool in protecting yourself. How? Uncommon in popular belief, criminals do not pounce on an individual when they feel like it. They attack when they see an opportunity available to them. If it’s easy, they’ll take it. They will prey on those who are weak, unaware, and an easy target. Criminals will act premeditated or stalk their victims before attacking. If you show that you are familiar with your surroundings, walk with confidence, and give the impression of strength, a criminal will not want to work to fight you.

Keep your eyes on everyone. Just because they don’t “look” like an attacker doesn’t mean a guy in a business suit can’t be one. If someone approaches you, look them in the eye, hold out your hands in front of you, and yell “Back!” or “Stop!” Most interviewed sex offenders say they will leave a woman alone if she shows that she is not someone to be messed with or that she is not afraid to stand up for herself.

It’s called setting a verbal limit or verbal self-defense. Many who have used this as part of their self-defense training say they were shocked when they stepped toward a menacing stranger and yelled “Back off!” in a strong, assertive and projected voice. And the would-be attacker did exactly that.

Using pepper sprays can work in the same way. Simply by pointing at a potential attacker and yelling “I’ve got pepper spray!” it could be a dig. That is if it is in your hand at the time.

Pepper sprays are only effective if used correctly. Telling your would-be assailant that you have pepper spray…and it’s in the bottom of your bag is not using it effectively, or any weapon or self-defense product, for that matter. Whether it’s a mace, a stun gun, or even your keys, have it readily available at your fingertips. More self defense products can be found online at this great website http://www.safetyquestproducts.com

Knowing how to use these devices also plays a very important role in protection. You must know how the device works and be familiar with it. How? Practice. Practice. Practice.

When you use mace, go outside and shoot a tree. See how pepper spray really works. See the distance it takes to reach a goal. If you are going to use your keys, plan ahead exactly where on the attacker you would poke them. The eyes and throat are fantastic targets. Tell yourself: “I will use this if I feel my life is in danger, without a doubt.” and without hesitation.

There are places that actually have computer simulated club practice rooms. They are extremely realistic. These are the same simulation rooms used by police and security officers for their own training. Check with your local police to see if they are available in your area.

This type of training helps program the mind during adrenal stress. Or another form is called a Body Alarm Reaction (BAR). You need to train your mind with a stressful situation or adrenaline response to know how it will react during a real confrontation or attack. The way you react in a BAR moment will let you know if you will hesitate in a life or death situation.

Knowing how verbal self-defense works can be an excellent safety tool for a woman to prevent her from falling prey to the approach of a stranger. Verbal self-defense is also another way to increase your self-confidence. It allows women to see the power of their voice, the protection they can have of their voice, and not feel threatened by anyone.

Health Fitness

Weight Loss Surgery High Protein Diet Headaches

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Why do we get headaches when transitioning from a diet high in processed carbohydrates to a diet high in protein? Many weight loss surgery patients wonder this.

There are actually several reasons for headaches when following a high-protein, low-carb diet. More importantly, there are several small things we can do to ease headaches:

First, when we transition from a diet of processed carbohydrates to one rich in protein, as recommended by most weight-loss (bariatric) surgery doctors and dietitians, we increase our intake of tryptophan. A short list of tryptophan-rich foods includes cheese, meat, nuts, and soy. Ingesting tryptophan releases serotonin in the brain, which is considered a vasoconstrictor: it constricts blood vessels. In modest amounts this helps us feel good; but in larger amounts than we are not used to, it causes headaches.

To balance the increase in tryptophan (an amino acid – a good thing) intake we should include appropriate complex carbohydrates in our weight loss surgery eating pattern: 2B/1B (2 protein bites/1 carb bite). Here are some smart food choices for your weight loss surgery diet:

carbohydrates:

apples

artichokes

Basil

bean sprouts

beets

carrots

celery

blueberries

cucumbers

green beans

pears

spinach

pumpkin

fat:

olive oil

protein:

lamb

slow

you do not have

Turkish

Next, we must be absolutely sure to supplement our diet with essential vitamins and minerals, and on this list I personally include herbal supplements that centuries of human use have proven to be beneficial to our health and well-being. Please review the list of supplements:

Feverfew: 200-300 milligrams daily

Ginger: 1500 milligrams taken in 3 (500 milligrams) daily doses

Magnesium: 1,000 milligrams per day (WLS post-ops are known to be magnesium deficient)

Calcium with vitamin D: 1,000 milligrams daily

Vitamin B6: 50-100 milligrams daily

Vitamin B complex as prescribed by your doctor, oral, sublingual, or injected

If you wake up in the morning with a headache, I encourage you to take a serving of Emergen-C. I strongly believe that Emergen-C is healthy for us because in a single dose you get 60mg of magnesium, 200mg of potassium; 60mg sodium; calcium carbonate 50mg; (your electrolytes); in addition to vitamin B6 and B12; vitamin C, niacin, thiamin, zinc and a few others. Our small gastric bypass and gastric band stomachs can absorb this supplement quickly and it is not difficult or painful to take. If you haven’t tried Emergen-C, please do. As a note, please continue your regular vitamin regimen when taking Emergen-C. Use this water soluble product for just a little extra nutrition.

If your headaches are chronic and you suspect something other than the high protein diet of weight loss surgery, keep a headache diary in an effort to identify the cause of your headaches. Dr. Alex Duarte suggests tracking these things:

Diet: Diet and food allergy is the most common cause of headache.

Hormones: Fluctuating hormone levels are known to cause frequent headaches.

Weather: Changes in barometric pressure and other weather conditions can trigger headaches.

Stress – Frequent cause of headaches.

Change in routine – Disruption from regular routine (such as a change in diet) has been known to cause headache.

Dental problems or endodontic surgery are known to cause headaches.

Sensory stimuli: sight, smell and hearing can cause headaches.

Hypoglycemia causes headache.

Herbal remedies for headaches are, in my opinion, more effective and less harmful than over-the-counter chemical remedies. Try supplementing your diet with feverfew, ginger, ginkgo biloba, chamomile, capsaicin, and/or valerian.

Legal Law

The Pros and Cons of Data Entry Jobs

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There are more ways to earn extra money than you can imagine, so what’s so special about data entry jobs? Let me first explain what data entry work is, for those who don’t already know: A company has a large amount of data that needs to be entered into a database or spreadsheet, but the work cannot be done. automatically. The company hires someone, perhaps you, to do the job at hand. Primarily, this means writing or copy/pasting data to the correct place. This type of work used to be handled by internal secretaries in most companies, but as outsourcing of work has become more and more popular over the years, many companies choose to outsource these types of tasks as well and they focus their own energy on what they do. better, whether running a law firm, doing marketing or something else.

So what’s so great about a data entry job?

  • Great beginner job. You can get started fast, with little to no training. Basic computer knowledge and normal reading skills are all that is required, in most cases.
  • Work from home, whenever you want. Much of this spell or work is offered online, as is the data you will be working on. This type of job is really good for stay-at-home moms (or stay-at-home dads) as they can work whenever they want. Take the kids to school, run the dishwasher, and sit down and do some work.
  • Little to no investment is needed to get started. There are no fancy suits to look good at work. No travel costs. Just a computer with an internet connection, which, if you’re reading this, you probably already have.

All good reasons to get into data entry typing jobs at home, certainly enough to give you serious consideration. But to be fair, let’s take a look at what can possibly be held against such work. There are certain circumstances that could be considered negative:

  • If you get paid by the amount of work you complete, it means you won’t make much money if you type slowly. The good news is that you will improve your speed a lot, as you do the work. You may not see a lot of money for your time at first, but most people who stick with it will see a change for the better.
  • It can be tedious bordering on downright boring. Much of the work is very monotonous in nature, so you need to be able to deal with it. But not having to travel for hours to do it tends to help a lot in that regard.
  • It will never become a well-paying job. In this line of business, you are considered to be on the lower rungs of the ladder, due to the simplicity of the job. The fact that it can also be very boring does not help the salary.

So there you have it: the pros and cons of the data entry job. You can try it and see if you like it; It’s certainly a nifty way to work, if all you need is extra cash. Ideal for housewives or students alike. Even if it’s only temporary.

Lifestyle Fashion

Advantages and disadvantages of the cleansing diet of lemonade

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People try many different diets and exercise routines to lose weight. Some of these are more effective than others and this effectiveness can be easily determined by observing the dieter’s weight change. The lemonade diet is a weight reduction technique that has stood the test of time, while fad products came and went. In addition, the lemonade diet combines weight loss with detoxification of your body, something that is very rare to find in health and diet products.

Advantage

This regimen does not involve total fasting, which can be very unhealthy for the body. It is a liquid detoxification and cleansing method aimed at eliminating the mental desire for any food. The body will not feel hungry, and any toxins will be quickly removed from the body. This is a very safe, natural and healthy way for a person to lose weight and cleanse the body.

The lemonade weight loss method is also called the Master Cleanse Diet and it has been around for over 70 years, making it a fully tested method that has stood the test of time. Developed by Stanley Burroughs, a Naturopath, Master Cleanse gives the digestive system a much-needed rest and helps flush toxins out of the body. Lack of exercise, negative state of mind, and improper diet cause unhealthy toxins to build up in our systems.

Some of the reported benefits of this detox diet are:

• More energy and less lethargy

• Total cleansing of the blood, kidneys and colon from years and years of waste accumulation

• A strengthened immune system

• Fat burning

• Quick weight loss

• Make you look and feel much younger

• An almost euphoric or spiritual trip

People who use the Master Cleanse technique often lose up to two pounds per day. The amount of weight loss will vary with the amount of maple syrup used in the diet, but detoxification will occur within the body of anyone who takes any amount of the substance. Mr. Burroughs felt that toxicity was the cause of all diseases in the body. Therefore, people with chronic illnesses may find this detoxification technique especially beneficial.

Disadvantages

Approximately 60 ounces of a concoction made with lemon juice, maple syrup, cayenne pepper, and water should be ingested every day, for a period of at least 10 days. Solid foods are not allowed. The individual may also drink water during the period that he or she is on Master Cleanse. In addition, a salt water wash should be taken every morning and a laxative tea every afternoon.

As you can imagine, the lemon diet requirements are quite difficult and some people often give up the diet after a couple of days. Learning to get by without solid food for 10 to 14 days can be quite a challenge. In addition, since it is a cleansing diet as we said, there are “detox” symptoms that can occur, such as headaches, nausea and vomiting, cravings, tiredness and irritability.

My recommendation for the lemonade diet

In my opinion, the best option is to get the lemonade diet as a supplement product (in pill form), so you don’t have to go through the strong liquid fast as described above. For example, the Lemonade Diet Weight Loss pill will help you lose up to 17 pounds in just 14 days and comes with a professional diet and exercise program. With this supplement, you will be eating the recommended meal plan along with the lemon dietary supplement to help you detox and lose weight at the same time.

conclusion

It is recommended that anyone interested in exploring the lemonade diet (master cleanse) consult with a physician before beginning. The physician will advise whether this course of action is recommended based on the individual’s health history and medical conditions.

When looking for a safe and natural way to lose weight, look no further than the lemonade diet. This weight-loss technique consists of ingesting a drink made from a few ingredients (lemon juice, maple syrup, cayenne pepper, and water), as well as taking an infusion of salt water and a laxative tea. Therefore, it can be easily prepared at home. The individual should soon begin to lose weight and feel healthier as the body detoxifies.

Pets

General Property Issues Related to Divorce and Family Law in California.

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community property

California is a community property state. All property that is purchased or acquired during the marriage, or is transmuted (converted) into community property during the marriage is community property.

The husband and wife in a marriage each own an undivided share of one-half of all community property of the marriage.

Community property is not divided, unless a divorce proceeding is initiated or by the death of the husband or wife.

Community property can be real estate or personal property. Community assets can also be businesses, pension plans, or any other type of tangible thing that is acquired during the marriage.

Community property is normally one of the main issues involved in divorce actions.

Quasi-Community Ownership

Quasi-community property is property that was acquired outside of the state of California during the marriage. Although married couples may have purchased property in a state that is not a community property state such as California, the property will essentially be treated as if it were community property for purposes of division in a divorce action in the state of California.

Business

Businesses started during a marriage are community property.

In some cases, a person may have owned an existing business before marriage and continue the business after marriage. In a divorce action, the courts will assign a percentage of the value to the business “after the marriage” to determine how much of the business is community property.

If you owned an existing business before the marriage, it is extremely important that you consult with a lawyer in a divorce action as soon as possible.

pensions

Any portion of Pensions, IRAs, 401(k’s), retirement plans, etc., that were contributed during the marriage are community property.

Generally, pension plan funds cannot be obtained until the pension plan vests and expires. Therefore, special court orders are needed for each party to get their share of any retirement plan after it matures and vests. These orders are typically called qualified domestic relations orders, or QDROs for short.

Obviously, the parties to a divorce have a vested interest in making sure they get their fair share of any alimony or retirement plan after the divorce.

Community income, bank accounts, stocks and investments

All income earned during a marriage is considered community income. This is true even if one party to a marriage makes money in a business that was theirs before the marriage. Community income is the same as community property, in that each party owns one-half of an undivided interest in the community income.

Each party to the marriage has the right to spend and use the income from the community, even if they are not the one who earned the money. However, after legal separation or the initiation of divorce proceedings, the parties may only use the community property for the necessities of life and to pay their lawyer.

Likewise, bank accounts, shares and/or investments that are acquired during the marriage are also community assets. This is true even if the bank account, shares and/or investment are solely in the name of one of the parties.

Some parties try to hide money in separate bank accounts during the marriage and/or hide assets that were acquired during the marriage from the other party.

If you are a party to a divorce action, you have what is called a fiduciary duty of disclosure. What this means is that you must disclose all assets, bank accounts, and other investments that were acquired during the marriage to the other party. If you do not fully disclose your assets and/or income to the court and to the other party, the court could severely punish you.

You may have read about the case where a wife won the lottery and then filed divorce proceedings against her husband. She did not inform the court or her husband about the fact that she won the lottery. As punishment for not disclosing the fact that she won the lottery, the court awarded her husband the full amount of the lottery winnings.

Separate Property

Separate property is all property that was acquired before the marriage; during marriage by motto, testament or inheritance; and after legal separation. Proceeds from a personal injury judgment or settlement are also separate property, even if received during the marriage.

Once the court determines that the property is separate property, the person who owns the separate property will leave the couple with their separate property.

Separate property can be transmuted (converted) to community property by intent or inadvertence. For example, a party may have a separate bank account prior to the marriage that would be considered separate property. If the party then takes the income earned during the marriage and deposits that money into their separate bank account, they may have inadvertently turned that bank account into community property.

Obviously, the parties in a divorce proceeding will likely want to keep their own assets separate after the divorce is final. It is very important that you contact an attorney regarding the issue of separation of property to ensure that you can keep separate property from her after the divorce.

If you are considering filing for divorce or are currently involved in divorce proceedings, you can call our law firm for a free consultation at 818-739-1544 ext. 10, or visit our family law website at http://www.divorce-legal.net.

By Norman Gregory Fernández, Lic., © 2006

Real Estate

BANNED: Six Home Insurance Settlement Killers Florida Homeowners Should Be Aware of

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As it becomes more difficult to obtain affordable home insurance in Florida, it is extremely important that homeowners and prospective homeowners be fully informed before purchasing a new home or seeking new homeowners insurance.

If one of these SIX conditions exists on the home, “BUYER BEWARE” as insurance can be difficult and potentially impossible to bind.

1) fuse panel

A properly installed FUSE PANEL by itself is not usually a safety concern, however most insurance companies have prohibited this type of electrical service for all new written policies. There are a number of reasons, some of them are given below.

Major fuse safety issues come into play when a homeowner replaces a blown fuse with an oversized fuse (i.e. a blown 15 amp fuse replaced by a 30 amp fuse that is readily available on the bathroom shelf). service). The circuit is designed to “blow” if a load greater than 15 amps is passed through. Now the “trigger” is set to 30 amps. An additional 15 amps could be enough to make wiring or other components hot enough to cause a fire or other serious injury or damage.

A typical fuse panel can be replaced with a circuit breaker panel for $750 to $2,000 depending on any other upgrades that need to be done on the replacement. Always get a minimum of THREE QUOTES from reputable contractors before authorizing any work done.

two) knob and tube wiring

Knob and tube (K&T) wiring was used from the 1880s to the 1930s. This early method of electrical wiring did a great job for many years and is still used today in a few select government and industrial applications. However, this old rubber or cloth covered wiring that threads into porcelain knobs has exceeded its useful life and is no longer insurable or legal in residential applications under the National Electrical Code.

Rewiring an average-sized home can cost anywhere from $8,000 to $20,000, depending on the unique layout and access to electrical components. Always get a minimum of THREE QUOTES from reputable contractors before authorizing any work done.

3) Aluminum branch wiring

In Florida, aluminum wiring has been in the spotlight since 2010, when tens of thousands of Florida homeowners learned they couldn’t get insurance if they had this common wiring that was frequently used between 1965 and 1973.

Aluminum wiring is known to “slide cold”. Wiring expands as it heats up and contracts as it cools, this can cause the wire to loosen at the connection and this can cause an arc that can heat fixtures and cause fires. Aluminum also oxidizes over time, which can contribute to this fire safety issue.

There are two options for getting insurance if you have aluminum drop wiring. First, and most expensive (but the one we highly recommend) is to completely rewire the branch wiring to copper. This can cost on average $8,000 to $20,000 depending on how easy or difficult it is to access your electrical components.

The second option is to use AlumiConn or CopAlum crimpers which, in essence, crimp a copper “pigtail” to your aluminum wire so that the copper wiring is what makes the connection to your electrical device. This option, on average, costs between $1,500 and $3,000 depending on how many electrical fixtures are in the home. We recommend staying away from this when possible, as we fear that the ever-changing insurance industry will ban the crimp method as well. We also don’t like the idea of ​​going from the average device with 3 connections to having 6 connections. The more connections, the more chances of failure.

4) Less than 100 amp electrical service

A more recent industry shift in our “power hungry world” requires homes to have 100 amps or more of service to power the home. With the high electrical power consumption used by the average homeowner, insurance companies seem to fear that smaller utilities could overheat when using typical high-drain appliances.

The cost of upgrading an electrical service can vary depending on whether the size of the electrical wiring can handle the increased electrical load. If it can’t, the feed line will also need to be replaced. As always, get at least 3 quotes from reputable electrical contractors.

5) polybutylene plumbing

This popular plumbing pipe was widely used during the 1980s and early 1990s. It is typically “blue or gray in color,” flexible, and has caused flood damage to thousands of homes across the country. Until recently, some insurance companies did not ask about the type of plumbing pipe, so agents would place homeowners with those companies; however, effective September 1, 2012, Citizens Insurance Company specifically prohibited polybutylene plumbing.

A typical plumbing renovation cost can range from $4,000 to $10,000 depending on how easy it is to run the new pipe (in attics or under houses). We recommend using copper or CPVC pipe as some insurance companies also take issue with PEX pipe which has become very popular over the last decade. We will cover more about PEX in a later article.

6) Roof with less than 3 years of life

The ultimate INSURANCE BUSINESS KILLER in today’s article addresses your first line of defense in a wind or rain event, THE ROOF! If your roof has less than three years of useful life left, you may be denied insurance coverage. In our hot Florida sun, an average three-tab shingle roof will last 10-15 years. A tile roof of average dimensions will last between 15 and 25 years. Other popular roofing options include shingles and metal roofing. These options have a significantly longer life expectancy of 50+ years if properly installed and maintained.

A new roof is normally calculated per square. One square is equal to 100 square feet of shingles. In the Pensacola area, the cost per square can range from $225 to $300 per square, making the average 30 square roof cost between $6,750 and $9,000 depending on the quality of products used.