The Band is Coming Together Pretty Nicely

Of course it is not like we have much else to do. All five of us are living on this farm on Pleasant Ridge Road. At some point they are going to sell the place and chop it up to build about twenty little houses, but for now they are renting us the place with no lease. There is a nice old barn where we rehearse and it is not like we can bother many people out here. Jack is talking about whether or not we should buy Soundcloud downloads. We have a pretty good page set up and it contains about six or seven hours of live music. About a third of that is original material, although some of it was played by other bands that one of us was involved with. Jaime and I have been writing pretty much every day, although she is difficult to get along with at times. In fact it seems that some of the best work comes when we are on each other’s nerves.

Jaime is not really that happy living with the rest of us, which is not surprising since she is a bit of a neat freak and the guys, myself included, tend to leave our messes until they are too big to ignore. I usually clean up the kitchen when I have no choice in the matter, when I am trying to do something and it can not be done because there is too big of a mess in the way. Of course you can not use the sink when it is full of dirty dishes. There have been a couple of fights, but nothing major. It never got too much past shouting and it was all forgotten before we went back to rehearse. All of the shows we’ve done were really tight.

The Main Advantages of Women Financial Advisors

During a forum back in 2010, then president of Citi Personal Banking and Wealth Management said that America would never have experienced the 2008 financial crisis if it was the Lehman Sisters and not the Lehman Brothers.

That being said, the financial services industry is still undoubtedly a man’s world. Based on a report by the Bureau of Labor Statistics, only 31% of financial advisors in the US are women, which means almost 8 out of 10 financial brokers and consultants are men. This is contraindicative to the recent findings of a research done by Pershing, a financial consultancy firm under the BNY Mellon group, which revealed a projected rise in demand for women financial advisors.

From the standpoint of financial advisor recruiters, this is a simple economic situation – high demand and low supply equals a lot of opportunities. If you’re a woman in the financial industry, this is a great time to look for better jobs and greener pastures. In doing so, it pays to know what your main advantages are over your male counterparts. This would allow you to strongly position yourself during job interviews.

Director’s Financial Responsibilities

The new Association director is often thrust into the job with little idea of what his or her duties and responsibilities are, other than the conceptual knowledge that s/he is obligated to serve in the best interest of the Association. Unless s/he has been an active member of CAI (which is not likely if s/he is a first-time director), s/he is not even aware of the educational resources that are available for guidance in learning what a director’s responsibilities are. Further, many directors serve only a one-year term and therefore have little incentive to go through the effort of getting the education necessary for performing their job, since their term will be completed before they can even begin to learn everything they should know.

The purpose of this article is to attempt to provide guidance to the director on his or her financial responsibilities. The most important rule with respect to financial transactions is that they should be well-documented. While the Association may produce monthly financial statements and an annual budget, it is also important to document (preferably in the minutes of the Board of Directors) the following types of financial decisions:

Authorization for new bank accounts
Authorization of changes in signers of bank accounts
Approval of transfers of cash between accounts
Authorization for purchases of major equipment, or major expenditures
Approval of the annual budget
Acceptance of monthly treasurer’s report
Acceptance of monthly interim financial statements from the management company
Approval of the annual audit or review report and tax return
Authorization for an officer of the Association to sign the annual income tax returns
Documentation of board actions and responses with respect to the accountant’s management letter that accompanies the annual audit report
Collection actions (authorization to lien member property, authorization to foreclose on member property)
Documentation of board decisions regarding insurance coverage
Adoption of a conflict of interest policy
Authorization of contract for preparation of a reserve study
Authorization of reserve expenditures
Adoption of reserve policies
Adoption of Revenue Ruling 70-604 Election (This election should be made annually and should preferably be made at the annual membership meeting, then ratified at a Board of Directors meeting.)


The main thing that a society should do, is taking of steps in curbing the unemployment directly and indirectly. There should be help from every side to improve the employment rate. The government, corporate and the financial markets are doing a lot to improving this thing. The financial institutes are providing the schemes which are beneficial for the unemployed. These have hectic procedure to obtain the finances. So the unorganized lenders are also helping these unemployed people by letting the finance for short time or till they are not employed. One of these scheme is instant loans for unemployed scheme that help you in every matter related to employing for a job or job searching.

The instant loans for unemployed scheme is liked by most of the people in the society. This scheme helps you in providing money easily for the tasks that are related to your personal life, for which you cannot borrow funds from anywhere in the market. The application and issuance process of the finance is very easy. This is available online. You can find a suitable lender on the internet. You may be asked to fax some of the important documents. You have to meet the following criteria that is extremely important for getting a finance.

You are domiciled in UK; You are registered in national level unemployment records; You have a valid bank account in any nationalized bank; You are not a bad credit scorer; You are above 18 years of age; You have never been a bad credit holder. The rate of interest is not so large. It is affordable for every person. If the lender is convinced that he will get his money surely without any risk, he will transfer the funds into your bank account instantly. You can use the funds according to your ways. The main thing is that the lenders are more interested in the safety of the finance.

Bankruptcy Lawyer – An Asset You Need for Your Financial Freedom

Handling your finances can be a tough ordeal, especially if you lose a job. Before you know it, you could be in over your head. If this is so, then a bankruptcy lawyer can help. Find out how one can benefit you.

Helps stop harassment Getting harassing phone calls is one of the worst things about being in debt. Your phone may ring early in the morning to late in the evening. This is because many creditors do everything they can to collect a debt. However, some practices can be illegal. If you’re being threatened in any manner or simply experience a call that you feel isn’t right, then you need to get a bankruptcy lawyer as soon as you can.

Knows the law You may think all you have to do is get the proper paper work, file with the courts and leave. Yet, if you don’t know the law, you may be doing more harm than good. That’s because there are different types of financial ruin and your bankruptcy lawyer knows the difference. He or she knows all the aspects of this type of law and can help be your guide so that you experience the best possible outcome.