Money Management Tips for Singles and Couples by Vivienne Diane Neal

Managing your money doesn’t just involve finances but understanding when to implement important legal documents. When planning your personal or business objectives, there will come a time when a legal document, whether simple or complex, will be extremely vital.

Following are some legal documents pertaining to personal finance, estate planning, power of attorney, and real estate planning.

This guide will help you to understand and select the document that will best meet your particular needs. Of course, when planning to execute any legal document, it is a good idea to consult an attorney.

Personal Finance

Check Stop Payment - request to a bank not to honor a particular check.

Lost Credit Card Notice - letter to a Credit Card Company from the cardholder requesting the halt in credit.

Promissory Note - a promise to pay a principal sum plus interest.

Request for Credit Report - a letter to reporting agency for full and complete disclosure of credit file.

Request Under Freedom of Information - letter to any government agency that may keep files on individuals.

Estate Planning Documents

Codicil - an amendment to an original Will that changes or modifies a Will.

Last Will and Testament - a legal document that sets forth the wishes of the testator after his or her death. This document distributes the property of the testator and appoints representatives to administer the estate.

Organ Donation - a document that specifies the wishes of an organ donor.

Premarital Agreement - a written contract between intended spouses, which provides for the division of property, income, and responsibilities to each other and their child or children should the marriage ends in divorce or other means.

Revocable Living Trust - a trust established while alive also known as an “inter vivos” trust that can be revoked.

Power Of Attorney Documents

General Power Of Attorney - an instrument authorizing one person to act on behalf of another, usually in signing legal documents and in making legal decisions.

POA (Power of Attorney) Delegating Parental Authority - appoints a custodian for a minor child or children and specifies custodian’s powers.

Revocation of Power Attorney - a notarized statement by principal rescinding appointment of power of attorney.

Specific Power of Attorney - appoints an attorney-in-fact to perform a specific action on behalf of the grantor.

Real Estate Documents

Claim Of Lien - notifies third parties of a monetary interest in property where work was performed.

Commercial Lease - an agreement to rent commercial property.

Demand For Rent - a document designed to give a tenant a final opportunity to pay overdue rents before the landlord may commence eviction proceedings.

Discharge Of Mortgage - a mortgage holder’s release of the mortgagor.

Mortgage Deed - a borrower gives mortgage covenants to the lender in consideration of a loan.

Offer To Purchase Real Estate - a document used when a buyer is presenting an offer to purchase real estate from a seller.

Quitclaim Deed - a document which transfers title to real estate.

Residential Lease - an agreement to rent residential property.

Sublease - an agreement between tenant, landlord, and subtenant to sublet premises currently under lease to a tenant that retains tenant’s liability.

Waiver Of Lien - lien holder releases all rights to claim any liens for work done or materials furnished.

Warranty Deed - land conveyed with warranty covenants providing assurance of title. 

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Widows | Official Trailer [HD] | 20th Century FOX

From Academy Award®-winning director Steve McQueen ("12 Years a Slave") and co-writer and bestselling author Gillian Flynn ("Gone Girl") comes a blistering, modern-day thriller set against the backdrop of crime, passion, and corruption. "Widows" is the story of four women with nothing in common except a debt left behind by their dead husbands' criminal activities. Set in contemporary Chicago, amid a time of turmoil, tensions build when Veronica (Oscar® winner Viola Davis), Linda (Michelle Rodriguez), Alice (Elizabeth Debicki) and Belle (Cynthia Erivo) take their fate into their own hands and conspire to forge a future on their own terms. "Widows" also stars Liam Neeson, Colin Farrell, Robert Duvall, Daniel Kaluuya, Lukas Haas and Brian Tyree Henry. 

In Theaters November 16, 2018

The wait is finally over for the Book - Children of Blood and Bone by Tomi Adeyemi

CHILDREN OF BLOOD AND BONE by Tomi Adeyemi is officially on sale. You can grab the book from any of your local bookstores or online at the following sites:

Barnes & Noble

Amazon

Indiebound

Powell's

Indigo

Books A Million

And check out Barnes & Nobles special edition!

Goddess Fish Ten Years Anniversary Tour

Welcome to the Goddess Fish Promotions Tenth Anniversary Month Long Celebration!

Who is Goddess Fish Promotions? And what do we do? 

We're glad you asked!

We didn't want your visit here to be dry and boring, so we decided to have a poetry competition and put what we do into verse. Here are the initial entries:

Marianne:

Roses are Red.

Violets are Blue.

I'm awful at poetry.

Coffee.

Judy:

Twitter and Facebook got you down?

Come see us, we're the best around.

We'll get your book out so people can see

What a wonderful author you happen to be.

Yeah, for some reason, Judy won!

Even better, her poem is correct. We DO offer twitter and Facebook promotions as one of our services!


Check out our testimonials here.

We hope you enjoyed getting to know us a little (more information is below) and we'd like to do the same. We'd LOVE to see a little poem that tells us a bit about you in the comments. We'll be awarding random book giveaways and $5 Amazon GCs to some of the best poetry we find. It might not be at every stop, but when something really makes us smile, we'll reward it! Come on, be daring...

And now, more about us:

About Goddess Fish Promotions

Goddess Fish Promotions was established October 14, 2008. Why? Well, when Marianne became a published author and got her the first taste of trying to promote a book on a budget, there was only one other virtual book tour company in place at the time, and their fees were simply too high for a small press author. After coordinating and running her own tour, she knew other authors could use the same service for a reasonable price. Thus, Goddess Fish Promotions was born.

Because both Judy and Marianne were authors and editors prior to running Goddess Fish Promotions, they approach the business with a unique point of view, and treat their clients how they would expect to be treated.

The people behind the fish

Judy Thomas -- The Goddess

Judy has a college degree in English and she’s worked in retail, education, at her local library as well as an editor for a small press and for the now defunct ShadowKeep Ezine. She’s also a published author so can see things from both sides of the fence. In 2013, she “retired” and now spends her days helping authors make their dream come true—as well as working as much as she can with her local theater group.

Marianne Arkins - Fish

Grammar freak and coffee lover, Marianne wrote her first novel at ten years old, built her first commercial website in 2000, and published for the first time in 2006. She worked as a professional editor for just over a year, and knows what it’s like to write, edit and promote a book on a budget.

One of our interviews during the tour explains our nicknames ... keep visiting daily to find out!


Goddess Fish Promotions
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Now, the goodies ... want to win stuff? Here are the rafflecopters:

Readers:

a Rafflecopter giveaway

Authors:

a Rafflecopter giveaway

Applications for Art takes Manhattan Award 2019 is Now Open

Art takes Manhattan Award 2019 is now open for applications.

Apply now and be recognized by their curatorial board with their Award Winner Certificate and participating in both of their onsite and online New York Art Week Show 2019 in West Chelsea, adjacent to the world famous High Line walking park and surrounded by the finest galleries of Chelsea. Their New York Landmark site is an unavoidable meeting point for collectors arriving at the Armory Arts Week.

Enjoy watching their latest exhibit.

The Romance Reviews is Having a YEAR END SPLASH (YES) PARTY in November!

DATE: November 1 to 30, 2018 

PRIZES: Grand Prize: $50 GC. Other Prizes: GCs, book giveaways, etc. 

PARTICIPATION DETAILS: 

There are 4 ways to participate: 

Method # 1: Donate a book giveaway 

Method # 2: Purchase a Year End Splash Party 2018 Package worth 80 now 68 credits (limited slots) 

Method # 3: Purchase a Year End Splash Party 2018 + Social Media Package worth 120 now 78 credits (limited slots) 

Method # 4: Purchase a Year End Splash Party 2018 Big Ad Package + Social Media worth 350 now 250 credits (3 slots remaining) 

INTERESTED? 

For more details on each of the methods discussed above, please click on this link for more information.

Instructions to purchase the ad packages and how to donate can also be found on the link above. 

DEADLINE: October 20, 2018 

For questions and clarifications, please send them an email at carole@theromancereviews.com.

Due to the expected huge volume of email, please allow them to get back to you within 5 days before sending a follow-up email. 

Liar Liar by Nancy Boyarsky Book Blast Tour

This post is part of a virtual book tour organized by Goddess Fish Promotions. Nancy Boyarsky will be awarding a $15 Amazon or B/N GC to a randomly drawn winner via rafflecopter during the tour. Click on the tour banner to see the other stops on the tour.

Nicole Graves finds herself in the crosshairs when she reluctantly agrees to babysit a witness in a high-profile rape trial. Mary Ellen Barnes is suing her university’s star quarterback for rape when the authorities won’t act. In the court of public opinion, Mary Ellen appears to be the quintessential, pious, good girl. But her lies and mysterious comings and goings lead Nicole to suspect that she’s not what she seems.

Read an Excerpt

Later, Nicole would ponder the truth and its illusive nature. She’d realize how many lies people would tell to protect themselves from it. And, worst of all, how many she herself would tell to get at it. She’d always considered herself a truthful person. Yet she’d find herself lying to others, to her fiancé, and even to herself.



She’d wonder if there was such a thing as the actual truth. Or was truth relative, the product of incomplete or faulty memories, or the limitations of the observer? How often was the truth tainted by what an individual wanted, or needed, to believe?



On this bright day in mid-March, Nicole stepped into the United Terminal at LAX and encountered a situation she could hardly believe. It was as if she’d slipped back in time to the previous year when the media was stalking her. This morning, they were massed in a corner of baggage claim. After the initial shock of seeing them, she noticed they weren’t looking in her direction, hadn’t noticed her at all. They were waiting for someone else, someone they expected to come down the escalator from the arrival gates.

About the Author

Nancy Boyarsky, Author

Nancy Boyarsky is the bestselling author of the award-winning Nicole Graves Mysteries.

Before turning to mysteries, Nancy coauthored Backroom Politics, a New York Times notable book, with her husband, Bill Boyarsky. She has written several textbooks on the justice system as well as articles for publications including the Los Angeles Times, Forbes, and McCall’s. She also contributed to political anthologies, including In the Running, about women’s political campaigns. In addition to her writing career, she was communications director for political affairs for ARCO.


Liar Liar is the third Nicole Graves novel, following The Swap and The Bequest, each of which can be read as a stand-alone. Readers are invited to connect with Nancy through her website.

Website 

Goodreads 

Twitter https://twitter.com/nancyboyarsky

Amazon 

Barnes and Noble 

a Rafflecopter giveaway

Why Writing Letters to Cable and TV Networks is Important by Vivienne Diane Neal

A Picture is Worth a Thousand Words. When it comes to showing your support or disapproval of a program, writing a letter or sending an email can make a difference if a good or bad show will become a success or a failure.

How often do we hear people say, “That series was excellent, or that show was insulting?”  Networks and sponsors count on viewers, and they need to receive letters of praise and complaints of condemnation.

Many people do not realize how important writing a letter is, which can determine if a good or bad show remains on TV/Cable.

You can sign petitions, but writing a personal letter and sending copies of that post to the companies that sponsor those programs will put the decision-makers on notice.

Producers, filmmakers, directors, and networks rely on sponsors who look at the profit margins. If viewership is low, chances are the program will be put on hold or canceled. Many decision-makers may never give a new program a chance, to grow a large viewing audience if the show is good.

Let us suppose a major network is planning to produce a reality show that is found to be undesirable, this is where the spectator can exercise his or her influence by writing that letter of disapproval, refusing to buy the sponsors’ products or canceling their subscription to a particular cable or movie channel. Money talks and no money talks.

For every correspondence a person sends to a TV/Cable company, one hundred people will not write. Unfortunately, no one can tell whether those people liked the show or didn’t.

The next time you hear about a negative or positive program coming to your nearest channel, write that letter and encourage others to do the same.

Deadly Sexy Trailer (Official Trailer)

Deadly Sexy the movie. Starring Travis Cure and Stephanie Timothy. A book written by Beverly Jenkins, screenplay written by Iris Bolling, movie directed by Iris Bolling, cinematography by Shawn Jones, music by Nelson Johnson and Dewon, produced by Siri Austin Entertainment LLC. For more information on this project go to https://www.gofundme.com/DS-TheMovie

Beware of Mailbox Theft

Mail theft across the country continues to be an ongoing and serious problem. When crooks snatch your mail, they can steal your enclosed checks and also use the information to steal your identity. Following are some tips from the US Postal Inspection Service to help protect your mail from theft:

Do not use public mailboxes. Use the letter slots inside your post office for mail, or hand it to a carrier.

Pick up your mail promptly after delivery. If you are expecting checks, credit cards or other negotiable items and you are away from home, ask a trusted relative, friend or neighbor to pick up your mail.

If you do not receive a check or other valuable mail expected, contact the issuer immediately.

Never send cash in the mail.

If you change your address, immediately notify your post office and other relevant parties.

When you are out of town, notify your post office to hold your mail until you return.

Report all suspected mail theft to a postal inspector at 877-878-2455.