56SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ed SanFilippo Edward J. SanFilippo is a freelance writer, editor, and researcher with expertise across a broad range of topics. He has nearly 20 years of experience writing for public agencies, private … Web: www.financialfeed.com Details If you’re engaged, it’s probably a good idea to add a prenuptial agreement, commonly known as a prenup, to your wedding planning. Prenups are valuable for all couples, not only those entering marriage with a lot of assets. And contrary to popular opinion, a prenup is not going to increase your likelihood of divorce. In fact, communication and money are two of the top three reasons people seek divorce, so a prenup can actually strengthen your relationship by helping you begin addressing these matters prior to your marriage.In the most basic sense, a prenup is a contract that lists all the property and debt of each spouse-to-be, and the subsequent property rights in the event of a divorce. More specifically, a prenup can address questions such as the following:Who owns and/or can use certain property after divorce?How will assets be divided after divorce?How will debt be allocated after divorce?How will alimony be addressed after divorce?Which state’s laws will apply to the prenup if there is a disagreement?In short, a prenup is one way to protect individual and joint assets, which can facilitate other financial goals even if the marriage does not last. If you were married previously and are entering a new union, prenups can also help answer questions about your assets relative to your children from the previous marriage. And if you’re already married, a post-nuptial agreement is still possible. This may even be beneficial to your marriage, particularly if it helps address the money and communication challenges so many couples face.
Cartoon on Trump, McCain offensiveI am really saddened by The Daily Gazette’s publishing of the cartoon of Trump tweeting a repulsive tweet dropping poop on Sen. John McCain’s tombstone. I find it very offensive and not newsworthy.Coni TrackiAmsterdam Categories: Letters to the Editor, OpinionBlame CEOs, not unions, for GE woesI’m glad Michael Davi enjoyed his years at GE starting in l976. I agree “what’s happening lately is disturbing.”While Davi was enjoying gas turbine, I was at headquarters promoting Jones’ program called “Factory of the Future” to modernize U.S. GE manufacturing plants. Jones knew competitors like Siemens had productivity increases of 8 percent a year because of plant- and equipment investments.But don’t blame the unions for resisting automation. I also knew the GE negotiators, Baldwin and later Rocheleau. Yes, the 60s were rough. But in the 70s, the unions supported CEO Reginald Jones’ plans to modernize the 150 U.S. factories to be more competitive.When Jack Welch succeeded Jones in 1981, he canceled the “Factory of the Future” program. He turned GE into a financial company by selling GE consumer-, industrial- and defense businesses. No longer did 10 percent of profits go into R&D. Product development labs were closed. Advanced technology was even sold. Jones, right before his death, rued the day he supported the GE board and backed Welch and not Stan Gault, who went on to head Rubbermaid and later Goodyear, which are old and very viable U.S. businesses today. Too many greedy CEOs like Welch find it easier and more profitable (for themselves) to harvest a garden rather than grow it.Today, we now have a hedge-fund manager in charge of what is left. Jack Welch has no worries because he left with a golden parachute of $417,361,902 (www.GMIratings.com) plus a $9 million-a-year pension.Mary KuykendallBallston Lake Get facts on failure to act on climateBased on the March 22 Gazette column by Nicolas Lortis, a fellow at the Heritage Foundation, the Green New Deal isn’t needed. He claims if we cut our CO2 emissions by 100 percent, it won’t make a difference. Let’s keep our big gas-hog pickups and SUVs filled with red meat.Yes, do what he suggests. Assume we maintain a 2 percent annual growth in GDP through 2100, and we dump all those nasty regulations on fossil fuel consumption. The United States would add some 370 Gigatons of Carbon (GtC) over the next 81 years. Climate scientists have developed what’s termed the “Carbon Budget.” This states that humans can add only 1000GtC to the atmosphere to limit temperature increase to 2C. As of now, humans have put in 535GtC since 1750, meaning we can add only 465CtC more. If we stay the same, the rest of the world (96 percent of the population) can emit only 95GtC. We get to generate 80 percent of the gases, everyone else 20 percent. Realistically, the world will generate sufficient CO2, that the IPCC 2015 RCP8.5 Scenario best describes our future planet. Global temperatures would be 4.8 degrees C higher in 2100, with CO2 over 900 ppm. This is catastrophic for our planet and my grandchildren. The Green New Deal needs to be seriously evaluated on how it will limit climate change. Let’s start by all becoming familiar with the science. Check out Coursera, a MOOC offering free climate change courses from major universities worldwide. Be concerned.Don CooperAmsterdamMore from The Daily Gazette:Foss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Beware of voter intimidationEDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Thruway tax unfair to working motorists
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A video of young people brawling in the waters of a seafront area in Kalibaru subdistrict, Cilincing, North Jakarta, has gone viral on social media, prompting authorities to stand guard near the location.The video, posted on Sunday by Instagram account @jakut.info, showed dozens of young people having a confrontation in the waters while swimming, some of them carrying various kinds of sharp weapons. Topics : Responding to the video, Cilincing Police chief Comr. Imam T. B. said most of the people involved in the brawl were Cilincing residents. He then sent personnel to visit the location, despite it being outside of his authority.“We went to the location and they disbanded immediately,” Imam told tempo.co on Wednesday, adding that some of the youths threw their weapons into the sea.According to a press release issued by the North Jakarta administration on Tuesday, the police also detained two teenagers with sharp weapons and ceramic shards.In the statement, Kalibaru subdistrict head Slamet Alfarizi said that police, military and Public Order Agency (Satpol PP) personnel, as well as local residents, also conducted patrols in the past three days around the area to prevent another brawl.Cilincing district head Muhammad Andri commended the joint patrol.“May our hard work build a safe and orderly Kalibaru for all of us.” (mfp) “On Sunday at 5 p.m., there was a brawl on the coast of Jakarta; a group of youths was seen fighting,” the caption of the Instagram post said.
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5 Sep 2016 Mother and daughter score historic play-off victory in PING Plate Nottinghamshire mother and daughter Helen and Rachel Boulton scored an historic win today when the Plate final of the PING women’s fourball betterball championship was dramatically decided for the first time by a play-off.Three pairs had tied with 45 points and had to return to the 18th hole of the Thonock Park course at PING’s Gainsborough Golf Club for a sudden-death play-off. But Helen – a 20-handicapper – settled matters in style when she chipped in for a net birdie, appropriately using a Ping wedge (image © Leaderboard Photography).Jing Reade from Bridgnorth Golf Club in Shropshire had a putt to keep the play-off alive, but it edged away from the hole at the end.“It’s unbelievable,” said Helen, from Springwater Golf Club. “It’s crazy!” added Rachel, who was the 2015 Nottinghamshire county champion and helped her team to win last year’s English County Finals.Second and third places were decided on countback, with Jing and her partner, Heather Stiles, finishing as runners-up, ahead of Carole Morris and Jill Sparkes from Romsey Golf Club in Hampshire.Away from the drama surrounding the champions, the fourth place went to Ali Buncher and Hannah Brown-Pearce (Cotswold Edge) who had 42 points. Fifth were Mary Gibson and Melanie Williams (South Winchester) with 41 points, pipping sixth-placed Christine Fawcett and Melanie Temple (Seascale) on countback.This is the 11th year of the PING championship, which is run by England Golf, and it additionally made history by attracting entries from the largest ever number of clubs – 890 – and involving over 16,500 women in the qualifying stages. The top 50 pairs nationally qualified for tomorrow’s Grand Final while the next 50 played in today’s Plate final.Dave Fanning, PING’s European marketing director, told competitors: “This is a very special event and we are delighted to be able to host it at the home of PING Europe.”The Boultons have an excellent record in this championship, reaching the Plate final once before and coming fifth in last year’s Grand Final, before pulling off today’s win.But as the play-off was announced Rachel was counting the cost of a three-putt during regulation play. “I had a putt for an eagle on the sixth and I left it about 1ft away. I went to tap it in and missed! I thought ‘oh my gosh’ but I said to mum let’s just keep going.”They stuck to the task and when Helen had her big chance she had just one aim. “I just thought ‘get it close.’ That’s what Rachel has been saying to me all day long.” Her chip from the fringe started on target and stayed there, popping into the hole to applause.Jing Reade had no regrets about second place. “This has been so exciting, too exciting for me!” she said. Jing got her first handicap last year and is playing her first competitive season, she’s now off 34 but today’s play-off was a whole new experience for her, surrounded by buggies, a referee, other officials and interested spectators.This was only the second time she and her partner, Heather, had played together. Their plan was simple: “We just wanted to come and have a really nice game of golf,” said Heather.Neither was there any disappointment from Carole Morris and Jill Sparks, although they held the lead for hours before being edged out. “We just think we’ve done really well,” said Jill.They were originally on the reserve list and made the most of their opportunity. “It’s been absolutely fantastic from the time we arrived, everyone has been so friendly and it’s so well organised,” said Carole.Click here for full scores