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Prime factors (PF):

The factors of a natural number that are prime numbers are called FP of that natural number.

Examples:

The factors of 8 are 1, 2, 4, 8.

Of these, only 2 is the PF.

Also 8 = 2x2x2;

The factors of 12 are 1, 2, 3, 4, 6, 12.

Of these, only 2, 3 are the PF

Also 12 = 2x2x3;

The factors of 30 are 1, 2, 3, 5, 6, 10, 15, 30.

Of these, only 2, 3.5 are the PF

Also 30 = 2x3x5;

The factors of 42 are 1, 2, 3, 6, 7, 14, 21, 42.

Of these, only 2, 3, 7 are the PF

Also 42 = 2x3x7;

In all these examples here, each number is expressed as a product of FP

In fact, we can do that for any natural number ( ≠ 1).

Multiplicity of FP:

For a PF ‘p’ of a natural number ‘n’, the multiplicity of ‘p’ is the largest exponent ‘a’ for which ‘p^a’ divides ‘n’ exactly.

Examples:

We have 8 = 2x2x2 = 2^3.

2 is the PF of 8.

The multiplicity of 2 is 3.

Also, 12 = 2 x 2 x 3 = 2^2 x 3

2 and 3 are the FP of 12.

The multiplicity of 2 is 2 and the multiplicity of 3 is 1.

Prime factorization:

Expressing a given natural number as the product of FP is called prime factorization.

o Prime factorization is the process of finding all the FPs, along with their multiplicity for a given natural number.

The prime factorization of a natural number is unique except for the order.

This statement is called the Fundamental Theorem of Arithmetic.

Prime factorization method of a given natural number:

STEP 1:

Divide the given natural number by its smallest PF

STEP 2:

Divide the quotient obtained in step 1, by its smallest FP.

Continue dividing each of the subsequent quotients by its smallest FP, until the last quotient is 1.

STEP 3:

Express the given natural number as the product of all these factors.

This becomes the prime factorization of the natural number.

The steps and the method of presentation will become clear with the following examples.

Worked example 1:

Find the prime factorization of 144.

Solution:

2 | 144

———-

2 | 72

———-

2 | 36

———-

2 | 18

———-

3 | 9

———-

3 | 3

———-

end| 1

See method of presentation given above.

144 is divided by 2 to get the quotient of 72 which again is

divided by 2 to get the quotient of 36 which again is

divided by 2 to get the quotient of 18 which again is

divided by 2 to get the quotient of 9 which again is

divided by 3 to get the quotient of 3 which again is

Divide by 3 to get the quotient of 1.

See how the FPs are presented to the left of the vertical line

and the ratios to the right, below the horizontal line.

Now 144 must be expressed as the product of all the FPs

which are 2, 2, 2, 2, 3, 3.

So, prime factorization of 144

= 2 x 2 x 2 x 2 x 3 x 3. = 2^4 x 3^2 Years.

Worked example 2:

Find the prime factorization of 420.

Solution:

2 | 420

———-

2 | 210

———-

3 | 105

———-

5 | 35

———-

7 | 7

———-

end| 1

 

See method of presentation given above.

420 is divided by 2 to get the quotient of 210 which again is

divided by 2 to get the quotient of 105 which again is

divided by 3 to get the quotient of 35 which again is

divided by 5 to get the quotient of 7 which again is

Divide by 7 to get the quotient of 1.

See how the FPs are presented to the left of the vertical line

and the ratios to the right, below the horizontal line.

Now 420 must be expressed as the product of all the PFs

which are 2, 2, 3, 5, 7.

So, prime factorization of 420

= 2 x 2 x 3 x 5 x 7 = 2^2 x 3 x 5 x 7. Years.

Sometimes it may be necessary to apply Divisibility Rules to know the minimum FP with which we have to carry out the division.

Let’s see an example.

Worked example 3:

Find the prime factorization of 17017.

Solution :

The given number = 17017.

Obviously this is not divisible by 2 (the last digit is not even).

Sum of digits = 1 + 7 + 0 + 1 + 7 = 16 is not divisible by 3

and therefore the given number is not divisible by 3.

Since the last digit is not 0 or 5, it is not divisible by 5.

Let’s apply the divisibility rule of 7.

Twice the last digit = 2 x 7 = 14; remaining number = 1701;

difference = 1701 – 14 = 1687.

Twice the last digit of 1687 = 2 x 7 = 14; remaining number = 168;

difference = 168 – 14 = 154.

Twice the last digit of 154 = 2 x 4 = 8; remaining number = 15;

difference = 15 – 8 = 7 is divisible by 7.

So, the given number is divisible by 7.

Let’s divide by 7.

17017 ÷ 7 = 2431.

Since divisibility by 2, 3, 5 is ruled out,

divisibility by 4, 6, 8, 9, 10 is also ruled out.

Let’s apply the rule of divisibility by 11.

Alternate digit sum of 2431 = 2 + 3 = 5.

Sum of the remaining digits of 2431 = 4 + 1 = 5.

Difference = 5 – 5 = 0.

So 2431 is divisible by 11.

2431 ÷ 11 = 221.

Since divisibility by 2 is ruled out, divisibility by 12 is also ruled out.

Let’s apply the divisibility rule of 13.

Four times the last digit of 221 = 4 x 1 = 4; remaining number = 22;

sum = 22 + 4 = 26 is divisible by 13.

So 221 is divisible by 13.

221 ÷ 13 = 17.

Let’s introduce all these divisions below.

7 | 17017

———-

11 | 2431

———-

13 | 221

———-

17 | 17

———-

end| 1

 

Thus, prime factorization of 17017

= 7 x 11 x 13 x 17. Years.

Since October 2003, East Carolina senior deep snapper Britt Johnson has had the chance to do something every person should be lucky enough to do at some point in their life: live their dream. Johnson’s dream, for as long as she can remember, was to be a football player at East Carolina University.

“I’ve been an East Carolina Pirate for as long as I can remember. I’m 22 at the moment, so I guess technically I’ve been one for about 19 years. After being born into such a strong East Carolina family, I didn’t “. I have another choice and I’m very glad I didn’t.”

Johnson’s parents, Don and Wanda, both ECU graduates, were taking their son to baseball games in Greenville long before he realized what was happening. Don was not only an ECU alumnus, but had also been a manager during the extremely successful Pat Dye era.

The Johnsons live in Rocky Mount, which is only about a 45-minute drive from Greenville. This has been a convenient place to call home through the years with many trips the family has made to the Emerald City. Britt loves her hometown, which she refers to as “The Rock,” but she also realizes how living so close to Greenville has benefited him in that her family can attend the Christmas games. she.

His younger brothers, Will (19) and Grant (16), are both staunch Pirates, but they also pursue their own athletic dreams. Will is a baseball player at Barton College in Wilson, which is about 30 minutes from Greenville, while Grant plays various sports for the Rocky Mount Gryphons. However, despite some conflicts, they are able to take advantage of most of their big brother’s games. This means a lot to his “big brother” and is something he definitely doesn’t take for granted.

“It’s a great feeling on Saturday to look up into the stands and see my brothers Will and Grant dressed in their purple and gold and to see them cheering and supporting me as I’m living my dream.”

Johnson also values ​​the presence of his grandparents at his games, but more importantly the support they have always given him.

“It’s also been great seeing all my grandparents at my games.”

Jack and Doril Henderson, his mom’s parents, haven’t missed a game.

“Since I’ve been on the team, they haven’t missed a game and they also made sure to join the Pirate Club. They are, without a doubt, die-hard pirates.”

His father’s parents, Donald and Mildred Johnson, also support him.

“They have supported me throughout my life and have followed all of my athletic endeavors. I am extremely grateful for that.”

This proximity to East Carolina has allowed the Rocky Mount native to only miss three Pirates home football games since 1987. Britt’s earliest memories of attending an ECU game are from that season.

“The first game I remember going to at East Carolina was in 1987 when ECU played Florida State. The thing I remember most is wanting to leave the game with 12 minutes left in the first quarter. My dad sure as hell didn’t let for that to happen and I’m glad it didn’t because now I would never think of leaving a game early.”

After graduating from Rocky Mount High School, the former Gryphon center and deep center knew he would be attending East Carolina to pursue his lifelong dream of playing football for his beloved Pirates.

Due to his lack of size, the 5-8, 223-pound Johnson knew his niche would be deep center. After coming to ECU, he made two exits for the team, but was unsuccessful each time. Frustrated, the diehard Pirate contemplated losing sleep over him, but he knew he couldn’t give up because that’s not what Pirates do.

On September 30, 2003, Johnson was attending East Carolina’s Tuesday night home game on ESPN against the Houston Cougars when his opportunity presented itself as a result of an injury to the Pirates’ starting deep center.

“Brandon Howard, our long snapper, got hurt that night,” Johnson recalled. “We saw him limping off the field and he didn’t come back. After the game, I went and waited in the locker room and he told me he had torn his ACL.”

“A couple of days later, I walked up to Coach McManus’s office. He was the special teams coach at the time, but he wasn’t in his office, so I swallowed hard and said, ‘Well, I have to go to El Big dog.’ So I went to John Thompson’s office and when I walked in I started to introduce myself and he said, ‘Britt, I know who you are. We were just about to call you.’

“He told me to show up to practice the next day ready to snap for him. I went out there, snapped, and ended up dressing up for the rest of the season. I’ve been with the team ever since.”

While Johnson fulfilled his goal of making the team at ECU, could his experience with the purple and gold team seem a little incomplete if he never steps onto the field to play for a moment?

“Not a chance. I’d certainly love to be able to break through next year as a senior if given that opportunity, but if not, I can still walk away with my head held high knowing that I fulfilled my childhood dream. It’s just great to be a pirate of East Carolina”.

With Johnson’s senior season on the horizon, he reflected on his fondest memory as a member of the East Carolina football team.

“Without a doubt my favorite memory as a player was walking into the locker room before the Carolina game and seeing my jersey and pants in my locker, knowing I was about to put on the jersey I had dreamed of wearing my entire life. Putting on the jersey Running through the tunnel with the smoke and hearing 46,000 fans screaming their lungs out for you, it was a feeling I’ve never experienced in my life.”

He can’t wait to experience that same feeling six more times before his playing days are over.

Being such a lifelong and uncompromising Pirate, Johnson is sure to have great Pirate memories (games, seasons, players) in addition to his days on the team.

“My favorite memory as a fan, by far, was experiencing the entire 1991 season and being able to watch the comeback in the Peach Bowl against NC State.”

“My favorite ECU player would have to be Jeff Blake. He’s the first quarterback I really remember seeing in his entire career. The quarterback who led ECU to the promised land in 1991!”

During his time in East Carolina, he was not only able to live his life’s dream of being on the Pirate football team, but he also made some great friends through football that he will never forget.

“My most lost memory is probably not seeing the guys I’ve seen every day of my life for the past four years. Our friendships will last forever, but it won’t be the same. I’ll also miss the feeling of you coming on the day of I play knowing you’re about to go into battle with your brothers, the feeling of knowing you’re willing to die for these guys on the field every Saturday.”

As Johnson’s time as a Pirates player ends, he discussed the future of the East Carolina program under the leadership of Skip Holtz.

“We are a program on the rise,” Johnson said. “Coach Holtz is terrific and has surrounded himself with a staff that is as good as any we’ve had here in East Carolina in a long time. Look forward to great things starting to happen here. I just hope everyone gets together and comes out.” get on the boat with us. It’s going to be a fun ride.”

On November 11, 2006, East Carolina will host the Marshall Thundering Herd on Senior Day. One can only imagine the bittersweet thoughts that will go through Britt Johnson’s head as she runs into Dowdy-Ficklen Stadium for the last time.

“It’s going to be a very sad day for me. This is a day I’ve been dreading since I came to ECU. Knowing that this will be the last game of my life is going to be very difficult. I will probably be crying and thankful for the opportunity that the Lord gave me to be a part of this show. I will kiss my mom, hug my dad, wave to my family in the stands, and then get ready to beat Marshall. It will also feel good to know that this technically won’t be my last! I’m playing at home because I plan on us hosting the conference championship game!”

Unfortunately this dream, like all dreams, will come to an end, but what a dream it has been! However, Britt Johnson doesn’t want to be woken up just yet, as she hopes the dream she’s living will end with the Pirates winning a bowling game.

However, when the dream ends, you can be sure that this Pirate will bleed purple and sweat gold until the day he dies.

As we begin 2011, there is a lot of uncertainty in the areas of estate planning and asset protection. For much of 2010, we expected 2011 to welcome us with a 55 percent estate tax on all assets over $1 million. Toward the end of 2010, President Obama gave in to Republican demands for a suspension of this exorbitantly high estate tax and agreed to reduce the estate tax for 2011 and 2012 to 35 percent, with an exemption amount of $5 million. If you plan to die in the next two years, you may be relieved. However, if you plan to live much beyond 2012, uncertainty still lingers. Effective today, the 2013 estate tax rate will return to 55 percent, with only a $1 million exemption amount. We will hope for the best, but must plan for the worst, so we recommend that our clients establish irrevocable life insurance trusts for all life insurance policies over $250,000 and bypass trusts for all marital assets over $2 millions. As probate laws change, we’ll continue to update it so you can better serve your clients and protect yourself and your family.

The world of asset protection changed slightly in 2010 as well. On June 24, 2010, the Florida Supreme Court issued its long-awaited opinion in the case of Shaun Olmstead, et al., v. The Federal Trade Commission raised the issue of whether Florida limited liability companies (LLCs) will continue to have collection order protection. A collection order is a remedy that a creditor of a member of an LLC may receive from a court ordering the entity to award to the creditor any distributions that would otherwise be paid to the partner or member of the entity. Generally, a creditor who receives an order to collect in respect of a member’s interest in the entity does not have any authority to order distributions from the entity or to participate in the management and affairs of the entity, nor can it access the assets of the entity. the entity. the company.

Collection orders are governed by state law and, in many states, a collection order is the exclusive remedy for a creditor with respect to the debtor’s LLC membership. However, the Olmstead ruling allowed the creditor to “pierce the corporate veil” of the LLC and access the real assets of the LLC. While the LLC in question in Olmstead was a single-member LLC, many attorneys are concerned about the slippery slope that would allow the drilling of multi-member LLCs as well. It’s definitely something we’ll be keeping an eye on in the coming months.

What can be more irritating to a potential buyer of a nonfiction book than chapter titles that give no clue as to their content? After all, if someone is looking in the nonfiction section of a bookstore, it implies they want facts, not a fancy, “clever” table of contents! Here are 4 surefire ways to make your text grab the reader’s attention:

1. Make sure the text on the front and back covers is attractive. It should clearly and simply state what the book is about. For example: “Buy this book and learn to master the craft of teaching in 15 lessons.”

2. Why should someone buy the book from YOU? Don’t waste the limited space on the back cover telling a potential reader about your 3 cats, unless it’s a book about cats of course! Write something like: “The author has been a practicing teacher for 13 years and writes regularly for Teaching Times.”

3. Organize the table of contents so that the chapters fall into easily identifiable sections. For example: “Section 1: Before facing your first class; Section 2: The first year” and so on.

4. Make sure the chapter titles really MEAN something. You may think it’s great to have chapters like “All That Glitters” and “Every Cloud Has a Silver Lining,” but I’ve got news for you: no one else is blown away! When people browse, they want to know right away what they’re getting for their money if they buy the book. They don’t have time to look at each chapter to know what it is about. The chapter titles should tell you everything you need to know. For example, have chapters like: “Chapter 3: Keeping Order in Your Classroom; Chapter 4: Where to Find Great Resources for Your Lessons,” and so on.

You have only a few seconds to impress a potential buyer. Don’t waste them!

The Illinois Vehicle Code makes it a crime for any person to operate a vehicle while under the influence of alcohol, drugs, or anything else that may intoxicate a person. With respect to alcohol, the bright line rule of law is that anyone whose blood alcohol level or breath alcohol level is 0.08 or higher is prohibited from driving.

Under this rule, a vehicle is any device that transports people or things from one place to another, with the exception of devices moved entirely by human power, and snowmobiles, which have their own specific Safety Code. As a result, this code includes ATVs, motorcycles, automobiles, all other highway vehicles using an engine, and, through the Illinois Boat Registration and Safety Law association, boats.

Methods for testing blood alcohol level are blood, urine, and most commonly breath. A blood test must be administered by a doctor, nurse, paramedic or other qualified medical personnel. The breath test must be administered by a person licensed to do so, although the police are usually licensed to conduct such a test.

A person convicted of driving under the influence for the first time is generally guilty of a Class A misdemeanor, which could result in a sentence of up to __ days in prison, although less than this is the punishment generally administered. A person who commits the offense a second time must, in addition to the misdemeanor penalties, spend at least 5 days in prison or must perform at least 240 hours of community service.

Penalties for the offense can be increased if the person has a blood alcohol level greater than .16, which is twice the legal limit. A first-time offender with an alcohol concentration of .16 faces a minimum of 100 hours of community service and a $500 fine, in addition to any punishment for the Class A misdemeanor. A second-time offender whose blood content is greater than .16 on the second offense must, in addition to the Class A misdemeanor penalties, face at least 2 days in jail and a minimum fine of $1,250.

Drunk drivers with children as passengers face tougher penalties. A driver who transports children under the age of 16 can face 6 months in prison, must pay an additional $1,000 fine, and must complete 25 hours of community service in programs that benefit youth.

Any driver convicted of the offense a third or more time faces a charge of aggravated driving under the influence. Aggravated driving under the influence of alcohol is a felony, making the punishment for such offenses more drastic. Other examples of aggravated driving under the influence are when the driver, in addition to driving under the influence, is operating a school bus, speeding in a school zone, involved in an accident causing serious injury to someone, or driving without a license.

Although an arresting officer may ask someone to take a test to determine if they are driving under the influence of alcohol or other substances, the person may refuse such a test. If a person refuses to submit to such a test, the officer has the right to report the refusal, which will be filed and may result in suspension of driving privileges for 6 months.

Anyone experiencing legal issues related to a traffic stop involving suspected driving under the influence should contact an experienced Illinois DUI attorney.

A General Durable Power of Attorney (GDPOA) is often suggested as a means of avoiding guardianship or “living probate.” While such a document is an important tool in a comprehensive estate plan, the GDPOA on its own, or in conjunction with just a last will and testament, may not provide the protection the author seeks.

A GDPOA is a legal document that allows the “principal” to designate another person (the “agent” or “proxy”) to conduct the principal’s business and financial affairs on the principal’s behalf. This document is intended to assist in the absence of a director or during a time when the director may be physically or mentally unable to conduct business. Since the document is “durable,” it will remain in effect and in force even if the principal becomes legally incapacitated. To be effective for real estate transactions, the GDPOA must be registered with the clerk’s office in the county where the property is located. A GDPOA is distinguished from a health care power of attorney and a limited power of attorney by its broad scope and application to a wide range of financial matters.

A power of attorney that is not durable does nothing to help you plan for disability, incompetence, or incapacity, and does little, if anything, to prevent guardianship. A power of attorney that is not durable becomes void when the principal becomes incompetent or incapacitated. Consequently, of the different forms of powers available, the GDPOA holds the most promise in disability, incompetence or incapacity planning.

However, in practice, GDPOAs can be quite weak and ineffective. Although powers of attorney are very common and the notion of GDPOA has become very popular, agents carrying power of attorney documents have not always been treated as if they were in the principal’s place. Individuals and institutions routinely reject GDPOAs upon submission. Elderlaw attorney Scot Selis writes on SeniorLawToday.com:

“If you have ever been frustrated by an organization’s refusal to honor a durable power of attorney, you are not alone. A power of attorney allows an individual to select another person or persons to handle their financial affairs. However, many institutions financial institutions often refuses to honor a duly signed and witnessed power of attorney.

In fact, it is frustrating for an agent to find that their powers are denied or ignored in transactions on behalf of a principal. However, the rejection of a properly executed GDPOA also undermines the intent of the principal, who, in making the GDPOA, generally assumed that he was making things easy for his family. While an agent may apply to a court of appropriate jurisdiction to enforce his or her rightfully exercised powers, the prospect of having to litigate transactions that should take place in the ordinary course of business is more than frustrating. Litigation is costly and time consuming, and it was never the intention of the principal drafting the GDPOA.

The problem is so widespread that groups of lawyers have complained to lawmakers, the Attorney General’s offices and the Departments of Commerce about banks requiring the use of the bank’s own power of attorney forms and the banks refusing to honor the powers of attorney. generally legal. While these complaints have, over the years, resulted in more uniform legislation governing the GDPOA, practical problems remain.

There are a variety of reasons why a person or institution may reject a GDPOA. The most common reason given is that the GDPOA is “outdated” or too old. However, this reason is not based on any legal right, privilege or responsibility of the bank or institution. Most states allow a GDPOA that does not expire. Banks often reject these documents, supposedly based on their age.

Another reason given is that the GDPOA does not register. Registration of a GDPOA is, as mentioned, necessary for transactions involving real estate, but is generally not required for other financial transactions. However, a person or institution may require that the document be registered. However, recording may not be in the client’s best interest, especially if it is unnecessary. Once registered, the GDPOA becomes a public record, available to anyone who requests it. A registered GDPOA, certified by the county recorder, can be a dangerous instrument in the wrong hands.

Another reason often given for rejecting a GDPOA is that the GDPOA does not allow the agent authority to perform the intended transaction. This reason is based on the law, because a person or institution may be liable if the GDPOA is accepted to make a transaction not authorized by the GDPOA. In addition, if the person or institution is notified that the agent is doing something that is not permitted by the GDPOA, the person or institution that facilitates the transaction by accepting the GDPOA may be liable.

This potential liability is, of course, a huge disincentive for individuals and institutions that are asked to agree to a GDPOA. This disincentive is particularly acute when the agent seeks to close an account or liquidate a policy or asset using a GDPOA, because the individual or institution cannot know the final disposition of the funds. For example, if the GDPOA does not allow the agent to make gifts to the agent or third parties, or if state law prohibits such transactions, the institution may fear that closing an account or liquidating an asset may facilitate an improper gift. .

Aside from the reasons given, the motivations for rejecting a GDPOA are many and range from the right to the ignorant to the wrong. The proper motivations are many. Institutions may prefer the legal certainty and protection of probate court approval. In such a case, the filing of the GDPOA may actually cause or influence to cause a guardianship application. The institution may, in good faith, suspect a misuse of the GDPR. The institution may even suspect that the agent is incompetent or incapacitated.

Improper motivations causing rejection of a GDPOA include the desire to maintain and maintain control of an asset, preventing the discovery of improper asset management, undue influence by persons other than the agent, and disagreement with the use agent’s intended use of assets when the intended use is lawful However, there may be no way to distinguish proper from wrong motivation, because someone who rejects the GDPOA will never admit wrong motivation.

Difficulties in getting institutions to agree to a GDPOA add to the motives of family members seeking to control an older person’s estate. Many GDPOAs are simply replaced by a family member filing for guardianship. Diane Armstrong, PhD, testifying before the Senate Special Committee on Aging wrote:

“Most of these [guardianship] Petitions are filed by adult children seeking some control over the personal and/or financial affairs of their elderly relatives. They are battles between brothers rooted in questions of inheritance and control, often described as ‘thinly veiled contests of wills before death’. Anyone who reaches age 62 with covered assets is at risk. As one forensic psychiatrist noted about these so-called protective procedures, ‘For every $100,000 in a given estate, a lawyer appears; for every $25,000 a relative appears; and if there is no money, no one shows up’ (quoted in Harold T. Nedd’s Fighting for the care of aging parents, USA TodayJuly 30, 1998).

Equally worrisome is the fact that short they often ignore the GDPOA! The very document that most people rely on to narrow down the possibility of a court-appointed guardian is often simply ignored by the probate court. Diane Armstrong proved before the Senate Special Committee on Aging that:

“When an older person is brought to court and forced to prove their competence, we soon see that the system is broken. We have a system rife with court-sanctioned elder abuse. Why? Judges strike down protections that are have established a place in the codes. Judges ignore durable powers – the most important document each of us can create to determine our care if we become incapacitated… Judges ignore our lists of pre-selected substitute decision makers. The current system doesn’t work.

Consequently, the GDPOA does not provide full protection against guardianship. In particular, if a person anticipates the need for such protection because of the size or composition of their estate, or because of the composition of their family, or because of a lack of unity in their family, they should consult with an estate planning attorney. . familiar with trusts designed to hold and maintain control of assets and decision-making outside of court involvement or control. Such trust planning, as part of a comprehensive estate plan, can provide a more comprehensive solution than a GDPOA and a Last Will and Testament.

Regardless, there are some strategies that can help increase the chances that an individual or institution will accept a GDPOA. First, have the estate plan reviewed annually and rerun the GDPOA periodically. Second, provide institutions with copies of the GDPOA prior to any illness. Request a letter from the institution acknowledging receipt of the GDPOA, and the result of its review. With a letter from the institution that the GDPOA document will be accepted, there is a higher chance that the GDPOA will be accepted in the future. At the very least, there is always the hope that the person providing the letter is still at the institution when the GDPOA is used.

Third, run the GDPOA that owns the institution. Some banks and brokerage firms require clients to sign their own power of attorney form to allow others to handle client accounts. There is generally nothing wrong with these shortened powers of attorney as long as they do not revoke, but merely enhance the provisions of the GDPOA. If you have any questions or concerns, simply obtain a copy and have it reviewed by an estate planning attorney. Finally, add agent names to all accounts as “agent” or “proxy” before an illness occurs. Securing assets accordingly does not confer ownership rights on agents, but it does increase the chances that the GDPOA will be accepted without reservation when necessary.

But perhaps the best strategy for planning for incompetence, disability, and disability is a comprehensive estate plan that includes a trust.

A popular topic often debated in political races and among health care providers is the need for nationalized health coverage (socialized medicine). Various other countries like Canada, England and Australia use such services. A popular argument in favor of nationalized healthcare is the availability of insurance to all citizens, regardless of their financial situation. On the surface, the idea sounds reasonable, but in a nation run by private business it may cause more trouble than it’s worth.

Insurance coverage provided by the state and federal government has proven to be inadequate and bad for business. As it stands, government funded health insurance pays pennies on the dollar for emergency and non-emergency medical care. Many hospitals, private doctor’s offices, and medical facilities are turning away these patients due to a significant lack of compensation.

EMS providers are in a bad position as they do not have the option to turn away non-payers or government-funded payers. This leaves ambulance services and emergency departments dependent on private insurance companies to offset the significant losses caused by government-funded insurance. Switching to a nationalized health care plan would surely put most private providers out of business.

The loss of private EMS services would require state and local governments to pick up the slack and provide the service at taxpayer expense. Of course, this would significantly increase income and property taxes to pay for insurance and services provided instead of private medical operations.

Sure, having more government jobs could result in retirement plans and good benefits, but the number of jobs available could quickly dwindle. Budget cuts and the increased cost of doing business would result in increased taxes or job cuts. Once the government bureaucracy comes into play, you can be sure that the number of ambulances on the streets will decrease. Local police agencies are a good example. It’s hard to find a police department that claims to be adequately staffed. Socialized medicine would leave EMS agencies in exactly the same situation.

Our health care system in the United States is far from perfect. Abuse in the system, lawsuits, and uninsured patients are constantly increasing the cost of providing health care. Work is needed to solve this problem, but not at taxpayer expense.

If you have any questions or comments, feel free to email me.

Specifications: The HP Pavilion A4310F is another very affordable desktop model from HP. The difference is that this desktop computer comes with a very impressive set of specifications. This model has a 3.0Ghz AMD Athlon II X2 250u dual-core processor, 4GB of RAM (DDR3) and a whopping 640GB hard drive. For graphics, this desktop has an NVIDIA GeForce 6150SE graphics card. With specs like that, you can do almost anything on this desktop (consumer applications). Other great features (besides its price) include a 15-in-1 media card reader, 6 USB ports, a DVD drive (with LightScribe technology), and it’s configurable to support 5.1 channel audio. This model works with the new Windows 7 (64-bit) operating system.

Design: The HP Pavilion A4310F is a classic tower-style desktop computer. It is a mid-sized desktop CPU measuring 16.85 x 6.97 x 15.32 inches in dimensions. The front of the desk is mainly black/grey in color. Other than the DVD drive and card readers, most ports are located under a cover or behind the drive.

Features and performance: As mentioned above, the HP Pavilion A4310F is a very affordable model, especially considering its specifications. At the moment, this model sells for around $489 per unit. To achieve this low price, some included had to be crazy. This desktop computer doesn’t come with a variety of non-essential features (like Bluetooth, Firewire, etc.), which are features many of us rarely use anyway. All said, the HP Pavilion A4310F is still a very competent and powerful desktop model. It would be a perfect purchase for anyone looking for an affordable yet powerful desktop model.

With a carefree and didactic style, the new book from Harvard law professor Noah Feldman Cool War: The future of global competition, looks at how China’s rise as a globally significant economic superpower has created an increasingly complex dilemma for the United States, both militarily and economically. Consequently, Feldman aptly coins the term “cold war” to describe a much more complex set of cooperation, competition, and tension between two enemies locked in an uneasy embrace of economic interdependence.

Feldman points out that the interrelationship of the two nations is new by historical standards. For example, throughout the Cold War, the United States and the Soviet Union were clear military and political rivals, with few or insignificant economic interactions. By contrast, communist-controlled China is currently America’s largest trading partner. Hundreds of thousands of Chinese students study at American universities, and the two nations have become stakeholders in a shared cultural and economic experiment.

In addition, China quietly accumulated a staggering amount of US sovereign debt. Even in the 20th century, Feldman points out, nations never invested significantly in another country’s national debt.

Acting like the world’s last remaining superpower, Feldman rightly points out, means having to spend like one. And, after several costly misadventures in Iraq and Afghanistan, the US population is clearly in no mood to spend trillions more on a massive military buildup, especially one that relies on borrowing from the very nation it ostensibly against. he seeks to defend himself, to finance him.

While China has not yet sought to achieve military parity with the US, that strategic goal is not out of the question. The bottom line, Feldman observes, is that a shooting war is not inevitable, but some form of ongoing conflict clearly is.

It illustrates how the status of Taiwan represents a major potential sticking point for both independent nations, as Taiwan’s current diplomatic posture involves an ambiguity that suits both Chinese and American wishes. For one thing, foremost among Chinese ambitions is to bring Taiwan back into its own orbit. On the other hand, a visible failure to defend Taiwan in the event of a crisis with China would effectively end any semblance of US global hegemony in the Far East. This imaginative moment may actually come sooner than anticipated, as many experts have contemplated that the US might realistically have to abandon any hope of continuing to treat Taiwan protectively, in light of larger global realities than they involve North Korea and other hotspots.

China’s global ambitions are hiding in plain sight. The populous nation has already poured billions into a conventional military buildup. In practice, China’s foreign activities are in line with the government’s intention to eventually align its geostrategic position with its economic one.

Regarding China’s weaponization, Feldman astutely points out that that empowerment occurs over decades, not a few months. And unlike the US, which vests its powers in officials after a publicly visible election in regular 2- or 4-year cycles, Chinese military plans can be more gradual and without the need for sudden policy changes afterwards. of a contested election.

Furthermore, China only needs to increase its military capacity to the point where it is large enough that it does not have to use it. China ends up winning a war without even firing a shot, as the US suddenly finds itself uninterested in fighting a serious war that it might actually lose.

Feldman also correctly points out that modern acts of “cyber warfare” are a form of non-traditional, asymmetric combat that allowed the Chinese to exploit non-traditional weaknesses in the US security infrastructure without a realistic threat of military retaliation. In addition, covert cyberwarfare enables intellectual property theft and corporate espionage, where corporate America’s trade secrets and other valuable data are compromised and stolen. Feldman predicts that the regular and ongoing acts of cyber warfare emerging within China are likely to continue in this “cold war” phase.

In particular, Feldman’s book does not explore the prevalence of Chinese counterfeiting as a source of ongoing contention with the US corporate world. Counterfeit products are widely viewed by US corporate interests as a serious and covert form of economic espionage that is causing significant damage to commercial interests. While human rights are certainly a major source of Chinese criticism from the West, China’s tolerance of intellectual property theft is a sore point for thousands of American companies, which routinely push for tougher, harsher sanctions. against such violations of the WTO rules.

Feldman also points out that nationalist sentiment exists on both sides of the coin, with the citizens of China probably feeling proud of China’s rise to global prominence, and the frustration of Americans with the manipulation of the Chinese currency and the growing trade deficit. , equally solid. He points out that economic interdependence does not eliminate this tendency toward silent conflict.

Another interesting area that Feldman discusses is the conflict between American and Chinese ideology, such as it is. The core ideology of today’s Communist Party represents a strange experimental pragmatism in economics summed up in Deng Xiaoping’s quote: “It doesn’t matter if the cat is white or black; if it catches mice, it is a good cat.” Even the goal of maintaining the communist party apparatus is viewed with such harsh pragmatism that it puts China in a very different ideological place than the Stalinist Soviet Union in the 1960s.

China’s ideological pragmatism leads to the result that it will gladly do business with countries like the United States, as long as American democracy respects the way it does things. Therefore, the ideological divide between the United States and China is much less a moral chasm than the disagreements that separated Kennedy and Khrushchev. However, to the extent that Americans perceive China as unwilling to compromise Western values ​​like human rights and the rule of law, it is hard to imagine how continued ideological conflict is not inevitable.

cool war skirts an interesting theme: Feldman points out that as long as the United States can preserve the rule of law for itself, it has no absolute need to export it. For example, he points out that Western investors have an interest in seeing their investments in China respected, but would still enthusiastically invest there if China’s legal establishment were based on coercion (or even outright corruption).

The problem with this observation is that it ignores the reality that in this current state of economic and fiscal interdependence, the American rule of law must be exported elsewhere, under the weight of its own legal system. Take, for example, when an American business executive invests in a Chinese-run factory to make his company’s devices. His business is subject to, among other things, the Foreign Corrupt Practices Act and a wide variety of statutory, contractual, and tort doctrines that would apply in US courts against him and his business.

Suppose your Chinese-run factory ends up hiring some underage workers to make some substandard gadgets, which are then imported and sold to US consumers, and your manager pays a Chinese official to keep you out of trouble. This situation can be rigor in Chinese businesses, but in the United States, it can lead to that executive being fired, sued and even prosecuted. This culture and legal clash is not academic.

Illustrating this culture clash through diplomatic events, Feldman also looks at the anecdotal example of Wang Lijun, the Chinese police chief who sought asylum in the West after uncovering a murder case involving Bo Xilai and a dead British expatriate involved in a bribery scandal. The story confirmed several widely held beliefs: first, that senior Chinese Communist Party officials engage in widespread corruption, and second, that these party officials and their family members act as if they are immune to the rule of law.

The modern twist is that the Chinese party ultimately tried to use this scandal to bolster its own party apparatus, citing the sordid affair as evidence in the alternative narrative that Chinese corruption will ultimately not stick. Whether anyone really believed in the party is another question entirely.

The United States Department of Homeland Security has introduced the Electronic System for Travel Authorization (ESTA) under which a person traveling to the United States under the Visa Waiver Program obtains an electronic travel authorization prior to boarding a carrier to travel by air or sea to the United States. States The new system does not guarantee admissibility to the United States at the United States port of entry, but instead authorizes a traveler to board a carrier bound for the United States.

ESTA became available as of August 1, 2008, and as of January 12, 2009, all Visa Waiver Program travelers will be required to obtain prior authorization through ESTA before traveling to the United States.

Whether a travel authorization is required depends on whether the traveler is applying for admission to the US under the Visa Waiver Program based on their country of nationality, not the country of embarkation. Persons with a valid US visa are not required to obtain a travel authorization through ESTA.

To obtain authorization through ESTA, travelers should visit the ESTA website at esta.cbp.dhs.gov, where they will be asked to fill out passport and biographical information, and answer the following series of questions similar to those found on Form I-94W. :

A) Do you have a communicable disease; physical or mental disorder; or are you a drug addict or addict?

B) Have you ever been arrested or convicted of a crime or offense involving moral turpitude or a violation involving a controlled substance; or have been arrested or convicted of two or more crimes for which the total sentence of imprisonment was five years or more; or have been a trafficker of controlled substances; or are you seeking entry to engage in criminal or immoral activities?

C) Has been or is involved in espionage or sabotage activities; or in terrorist activities; or genocide; or between 1933 and 1945 he was involved, in some way, in persecutions associated with Nazi Germany or its allies?

D) Are you looking to work in the US; or he has ever been excluded and deported; or have you previously been removed from the United States or obtained or attempted to obtain a visa or entry to the United States through fraud or misrepresentation?

E) Have you ever detained, retained, or retained custody of a child from a US citizen who was awarded custody of the child?

F) Have you ever been denied a US visa or entry to the US or had a US visa cancelled?

G) Have you ever asserted immunity from prosecution?

Contrary to popular myth, not all arrests or convictions need to be disclosed. Instead, only arrests and convictions involving moral turpitude or controlled substances should be disclosed. However, since determining whether a particular arrest or conviction qualifies as a crime involving moral turpitude can only be made by reference to US law and case law, regardless of how long they occurred, you should consult with a US immigration attorney before applying through ESTA.

Direct contact with USCIS or the US Embassy regarding the issue or prior arrests or convictions is discouraged, as both agencies’ customer service representatives have been instructed to refer any and all individuals with prior arrests or convictions of any kind to apply for a visa, significantly delaying travel and placing even the most minor arrests or convictions on a permanent record.

It is strongly recommended that travelers apply via ESTA at least 72 hours prior to travel, as some applications may take up to 72 hours to process.

Once the traveler submits a request, one of the following responses should appear within seconds:

1. Approved Authorization: Authorized trip.

2. Unauthorized Travel: The traveler must obtain a nonimmigrant visa at a US embassy or consulate before traveling to the US.

3. Pending Authorization: The traveler will need to check the ESTA website for updates within 72 hours for a final response.

Once received, the travel authorization is valid for multiple entries into the United States for up to two (2) years, or until the traveler’s passport expires, whichever occurs first. However, travelers should update their US itineraries and destinations on the ESTA website as they are planned.

As the system is done electronically, travelers are not required to carry a paper copy of their travel authorization with them; however, this is recommended, and travelers should ensure they have a record of their ESTA application number.

After January 12, 2009, any traveler who does not apply through ESTA or who is not authorized prior to travel may be denied boarding, delayed in processing, or denied admission at a port of entry from USA

Once ESTA becomes mandatory, a traveler with a valid ESTA authorization will no longer be required to complete the paper Form I-94W when arriving on a carrier that is capable of receiving and validating messages related to the traveler’s ESTA status as part of the ESTA status. passenger boarding.

If an ESTA application is not approved (“Unauthorized Travel”), a traveler may reapply for ESTA authorization after a period of ten days, but unless the traveler’s circumstances have changed, the application will likely be denied. authorization again. A traveler who is not authorized through ESTA must obtain a visa from the appropriate US Embassy or Consulate before traveling to the United States.

US embassies and consulates cannot provide the reason why authorization through ESTA was denied. The ESTA website will provide a link to the DHS Travel Compensation Inquiry Program (TRIP); however, there is no guarantee that a repair request through TRIP will resolve the reason the authorization was denied.

Additional notes about ESTA:

– Travelers only in transit through the United States still need to obtain authorization through ESTA. “In transit” must be entered as the address in the United States.

– Citizens of Bermuda, Canada, the Marshall Islands and Micronesia do not need to apply through ESTA.

– Any traveler denied clearance while ESTA is voluntary only through January 12, 2009 may still be denied boarding, experience a processing delay, or be denied admission at a port of entry from USA

– There is currently no fee to obtain authorization through ESTA.

– ESTA does not affect the current processing of travelers seeking to enter the United States through a land border.

– Entering false information on ESTA may render a traveler ineligible to travel to the US permanently.