1 33 MUSIC LAWYERS IF YOU HAVE ACHIEVED ANY LEVEL OF SUCCESS IN THE MUSIC BUSINESS, YOU KNOW THAT YOUR QUALITY OF LIFE IS GREATLY INFLUENCED BY THE QUALITY OF THOSE AROUND YOU WHO LOOK AFTER YOUR BUSINESS AFFAIRS. THESE DAYS, YOUR MUSIC LAWYER IS AN ESSENTIAL PART OF THAT TEAM. THIS CHAPTER IS INTENDED TO HELP YOU SELECT YOUR MUSIC LAWYER AND BETTER UNDERSTAND WHAT THEY DO, HOW THEY CHARGE, WHAT YOU EXPECT OF THEM AND WHAT THEY CAN EXPECT OF YOU. CHOOSING YOUR MUSIC LAWYER Not very many years ago, music lawyers were general practitioners. We were trained to believe that if we were given the facts, we could find out the law and apply it. These days, things have changed. Commercial lawyers have become much more specialised. There are a few commercial lawyers who are all-rounders, but most find themselves doing one or two sorts of work more than others: taxation, bankruptcy and liquidations; mergers and acquisitions; banking and finance; insurance; superannuation; intellectual property; media and so on. These days, practising commercial law requires more and more specialist knowledge and thus a narrower scope of academic knowledge and business experience. There are now armies of besuited and neatly-groomed men and women who wouldn t know much at all about practice areas that are outside their strict area of expertise. With this increased specialisation it is perhaps not surprising that there has been a change in the relationship between client and lawyer. We were taught at law school that it was our job to give legal advice and not commercial advice. Indeed, at one time it was considered unethical to advise whether or not a deal was a good one. That was for the client to decide upon alone and it was the lawyer s job to strap it up if the client decided to proceed. These days, specialty-specific lawyers have become (for better or worse) an integral part of the commercial decision-making process. Of course, they still advise on the potential legal pitfalls of a deal but increasingly their advice is sought about the deal s commercial terms. This makes sense, because your specialist lawyer will probably have done many of these sorts of deals before
2 614 MUSIC LAWYERS and can therefore be expected to know not only how they work but also to be familiar with the going market conditions. The best way to choose lawyers is to talk to people who have used them. Don t choose them for their smile or because they went to school with your sister or because they have a fabulously decorated office. You need someone you feel comfortable talking to, someone you feel able to trust and someone who is expert in your area of need. No one lawyer can fulfil all of your legal needs. If your lawyer suggests otherwise, you need a new lawyer. Good lawyers will tell you when they do not have expertise in your area of need and will refer you to someone they know to be expert. It is only common sense that most lawyers have a wide range of contacts in their profession and if they don t know the right person, they probably know someone who does. FINDING YOUR MUSIC LAWYER Choosing your music lawyer is no easy task. These days, with the huge degree of speciality, not even all entertainment lawyers work in all areas of the entertainment industry. A film lawyer may hardly ever do record deals, another who does a lot of theatrical work may not have much experience in publishing and so on. Some are all-rounders and others are more specialised. The best way of choosing which entertainment lawyer to approach is by recommendation. Talk to your colleagues and contacts in the business. Find out who they use, what sort of work the lawyer has done for them and if they are happy with the service they have had. If the lawyer sounds right for you, ask a couple of other people for their opinions. Not only lawyers improve with experience, so do their clients! Once you have selected your prospective lawyer, make an appointment to meet. If you intend this meeting to be an interview to make your mind up, make this clear when you make your appointment. Ask if you will be charged for the meet and greet time. Most charge for it. Some do not. If they do not, it is hardly fair to then use the time to ask for specific advice when you meet. If they will be charging you, draw up an agenda for them, so that you can make the best use of the time in the meeting and cover the topics you want to discuss. Remember that your music lawyer is not a designer accessory. You don t have to like his or her decor or hairstyle. That can be easily bought. You need a lawyer who is approachable, trustworthy and expert.
3 MUSIC LAWYERS 615 WHAT MUSIC LAWYERS DO CONTRACT ANALYSIS, ADVICE AND NEGOTIATION Your first meeting with your music lawyer will probably come about because you have been offered (or want to be offered) a recording, publishing or management contract. You are probably excited by the prospect that your career is about to enter a new phase. You want to sign but you don t know if the deal is a fair one, or whether it can be improved by negotiation. You can almost guarantee that any contract you are offered can be improved by professional analysis and negotiation. Just remember that if your career is a failure, the terms of your contract probably won t matter. But if you are a success, a contract entered in your early days, in haste and without advice, will cause you grief. No one can legitimately object to you taking a potential deal to your lawyer for advice. Most record companies and publishers will insist on it. Getting advice will not blow the deal. Music lawyers are in the business of making deals, not wrecking them! As a general rule, don t sign any contract in the music business unless you get expert advice first. The document that seems straightforward to you may not be as benign as it looks. This is not the voice of paranoia. It is experience learned from hearing many clients over many years complaining about having entered deals that looked all right at the time. There are two reasons behind this advice. First, very few non-lawyers, particularly at the beginning of their careers, have the training to fully comprehend the legal (and thus professional) consequences of apparently simple contractual terms. Secondly, consider the old adage A lawyer who does his own legal work has a fool for a client (and a fool for a lawyer). It is very difficult to analyse a deal in which you are personally involved. Your conscious and subconscious desires and needs interfere with your judgement too easily. When asked why they entered a deal without getting expert legal advice, many young musicians respond that they couldn t afford the advice. The reality is that they couldn t afford not to. Remember that it will cost you less money in legal fees to get into a deal, than to fight your way out of one. It may be little solace but, if you can t afford to get proper advice, you probably can t afford to do the deal! CONTRACT DRAFTING One of the most important skills of any successful entertainment lawyer should be the ability to draft a tight and unambiguous contract. If they can do it succinctly and in reasonably simple English, so much the better.
4 616 MUSIC LAWYERS Many clients seem to believe that their lawyer has a bundle of readymade documents in the computer and that they simply press Button B and out comes the contract. If only it were so easy! Those same clients are then surprised at the amount they get charged for what, to them, seems like such a simple process. Without doubt, your lawyer will have an extensive precedent base of earlier-prepared documents. These precedents are the backbone of the business. After all, no one wants to rethink and re-draft every document from scratch. It would waste time and would be very expensive for clients indeed. Although it may sound like lawyers making excuses, it is largely true that there is no such thing as a standard contract. Precedents are not standard contracts, they are models that you have shaped from other contracts and that you may use to create your next one. No deal is the same. Why? Because no two parties are the same either in personal or professional characteristics. The proof is simple: most music lawyers enjoy drafting agreements. If it were as straightforward as merely selecting the right precedent, it would soon become routine and boring. Instead, most are intrigued by the challenge of articulating the needs of the individual parties in such a way as to reflect accurately the practical needs and desires of their client. GENERAL ADVICE Many musicians who do not have a manager use their music lawyers to fulfil some of that role. They seek career advice, not just legal counsel. Because lawyers work so extensively in the industry they are generally well informed about the opportunities, the deals and the players. If the benefit of this is something your lawyer is prepared to offer (and is something you are prepared to pay for), so much the better. Your lawyer can assist you with the structuring of your business and advise as to the other members that you may need on your team, such as a competent accountant experienced in the music industry to handle your financial affairs. Because of their wide range of contacts in the industry, established music lawyers can be very helpful in sourcing a deal. That said, none of them really enjoy shopping demo recordings. Some will not do it at all (on the basis that it is not strictly a part of a lawyer s function). Of those that will agree to shop a deal for you, most will only agree if they really believe in the potential of the product. You may be incredibly talented, but if you expect to use the reputation and contacts of your lawyer to promote your own commercial opportunity, you must realise that lawyers will expect to be paid for their efforts and the use of their reputations. Almost certainly, you will be asked to put some money into the firm s trust account before any shopping expedition will be undertaken.
5 MUSIC LAWYERS 617 WHAT LAWYERS COST Like most specialists, entertainment lawyers are expensive (but then, so are good mechanics and anyone else who provides professional advice). In your first interview (or even when you make the first appointment) you should always ask about the basis upon which you will be charged. The methods of charging are fairly standard. THE HOURLY RATE Most Australian entertainment lawyers charge an hourly rate. At time of writing this is generally between $350 and $550 an hour for senior lawyers. Employed solicitors cost less per hour than partners in the same firm. And don t forget, there is 10% GST to be added to the hourly rate. Of course, not all of your money is going into your lawyer s pocket. The cost of buying and maintaining all the ancillary support (e.g. premises, staff, computer and communication equipment, etc.) will probably be running at 40% to 70% of gross billings and bad debts probably account for another 5% to 20%. In most practices, the hourly rate includes all the support staff s time as well, so you do not get charged for secretaries time as a separate item. It would be easy to bill it as a separate item, as some accountants do, but it is not usual practice for lawyers. You should also ask how the hourly rate is calculated. Most lawyers divide up their working day into units of six minutes each. The unit is the minimum chargeable time for any work done on your behalf. This means that if you ring your lawyer for three minutes you will be charged one unit, if you talk for ten minutes you will be charged two units. It is not hard to work out that it is going to be cheaper to use someone who uses six-minute units rather than 10-minute or even 15-minute units! Remember that you will be charged for all attention that you or your matter requires. All of the time that is taken up by you and your affairs is time that they cannot spend on some other client s paying work. If you communicate with your lawyer (whether in person, on the telephone, or by letter), expect to be charged. If your lawyer has to communicate to others on your behalf, expect to be charged. If your lawyer has to shop demos, attend meetings, negotiate, research, draft documents or travel, expect to be charged. Lawyers who use a time billing method have to keep very meticulous records of all of this because all they have to sell is their time. On top of this you are likely to be billed for all disbursements. These are any expenses incurred on your behalf. These will include filing fees, barristers fees, service agents fees, travel costs, and perhaps even photocopying, postage, metered calls, couriers and the like.
6 618 MUSIC LAWYERS ESTIMATES You should always ask for an estimate of the likely cost of the work that you want done. (In New South Wales, lawyers are obliged to provide this in writing.) Remember that this can only be an estimate an estimate is not a fixed quote. It is a guide based on the lawyer s experience of those particular types of deal. As the deal progresses, the individual circumstances of the transaction often mean that the estimate will need to be revised. THE CAPPED FEE Music lawyers are often asked to quote a capped fee, but few will work this way because they all know that if something that is completely out of the hands of the lawyer goes unexpectedly off-track, and it requires a huge amount of work to salvage, they will lose money on it. You don t have to be too bright to realise that, after a lawyer has been caught like this once, he or she is going to be gun-shy next time. For this reason, when you demand a firm quote from your lawyer, realise that you are going to be paying a premium. There will be a premium built into the quote to cover unforeseen contingencies. So, the downside is that if everything goes very easily, you will have paid more than you would have had you used an hourly rate. On the other hand, you are secure in the knowledge that the amount is capped and that you can afford it. The all-in fee is a difficult gamble for both parties. Capped fees are never used in litigation because, in anything more than the most banal cases, it is impossible to estimate accurately the twists and turns of the case and the tactics of your opponent. What looked hard may prove easy. What looked simple can turn into something like trench-warfare. SUCCESS FEES A few lawyers charge success fees. They charge an hourly rate but then charge an additional fee based on some predetermined indicator, such as the value of the advance on royalties. This is considered professionally unethical in some parts of the country but is permissible in others. In day-to-day deals this is not recommended. There are a lot of very skilled music lawyers who will do the job for the hourly rate with the same degree of care and attention whether the advance is for one thousand or one hundred thousand dollars.
7 MUSIC LAWYERS 619 PERCENTAGES Although it is common practice in the United States, it is unusual in Australia for lawyers to work on a percentage basis. Indeed, in some states it is still illegal. Many lawyers in the United States will charge 10% (frequently more) of the particular deal s worth (e.g. advances) and many charge 5% of all gross income earned over the life of the deal! The exception to this in Australia is in larger, corporate start-up transactions. In these situations it is increasingly common for the lawyer to be offered shares or options in the company in order to ensure an ongoing relationship. It is a way of bonding the team from the outset and making sure that the key players share in the success that they help to build. PAYING THE BILLS The best way of souring your relationship with a lawyer is not to pay the bill. If you have a complaint about the bill, raise it as soon as possible after you receive it. You have every right to demand an itemised bill (unless you have agreed to an all-in fee). You will find that your lawyer is more than happy to discuss the bill, explain the charges and fix any errors. Some lawyers work on payment within 14 days and others within 30 days. If you can t afford to pay you shouldn t have spent the money you didn t have or couldn t find. Don t just ignore the bill and hope that the lawyer will lose interest in it. Call and explain that (and why) you can t pay it all at once and try to work out a reasonable regular schedule of payments. The key words here are reasonable and regular. It is pointless paying off a bill of $6000 at $50 a month. It ll take ten years! What s more, the loss of interest on the money and the cost of administering the account mean that in such an arrangement the lawyer is losing more than you are paying. If your lawyer does agree to a regular schedule of payments, walk over broken glass to make sure that you keep to the agreed schedule. Every music lawyer understands that a client s ability to pay sometimes lags behind the need to retain legal advice. If the lawyer has worked for you in good faith, you will keep that good faith by ensuring that your instalments arrive like clockwork. As soon as the lawyer has to chase you to make payments, you lose face and the lawyer loses interest in you. COMMUNICATION Keep in touch with your lawyer. Call, write, inform, discuss, then having made sure that you have got the advice you need, make your own decisions. Remember that lawyers are not blessed (or cursed) with telepathic powers. They can t help unless you involve them fully in your business dealing. The
8 620 MUSIC LAWYERS best money you will spend in a lawyer s office is getting into a deal; the worst is in trying to get out of a deal. Although all of this communication costs you money, you can minimise the cost by making sure that you are as organised as possible. Instead of sitting in your lawyer s office and recounting the facts and having the lawyer laboriously write it all down in front of you, write out all the details before you come to the meeting. Preparation helps you get your money s worth. CONFLICTS OF INTEREST A lawyer has a legal and professional duty to disclose any conflict of interest. Having competing interests is not in itself either illegal or unethical. Having such competing interests might be unwise, and it is a situation that certainly can be abused, but the important thing is that the competing interests are disclosed. Only then is a client in a position to say, I need independent legal advice, or I don t mind if you work for both of us, but I ll remember that you do and take that into account when assessing your advice to me. All of the major music lawyers have both companies and talent on their client list. This can benefit the client because the lawyer will have a good understanding of the attitudes and needs of both parties. It also means that the lawyer s range of contacts in the industry will be useful in sourcing deals. Lawyers are often commercially attractive to new clients because of, rather than in spite of, their existing clients and the consequent potential for deal-making. For their part, companies like to know that their lawyers still act for talent because then they are more likely to be offered the first chance to sign the available talent. Conflicts of interest are almost inevitable when the lawyer is the catalyst for the relationship between the parties. Imagine you are an established music lawyer. You are acting for a musician looking for a record deal. You also act for a record company. You call the A&R Manager or the Managing Director and tell them about your musician. They play the demo. They like it and want to do a deal. Another client, a film producer, tells you that she is looking for a composer to write and perform on the soundtrack of her next film; you believe that your musician client would be perfect for the job. You introduce the two of them and they decide to do a deal. The film producer wants a book done of her film. You act for a major publisher who you know is interested in this sort of project. You introduce them and they decide to do a deal. The musician now decides to get a publishing administration deal from a publisher. You act for a major publisher. You call them. They want it. Now the musician needs a publicist. Coincidentally you act for a couple of very good ones. You recommend them and so it goes on.
9 MUSIC LAWYERS 621 To some extent, particularly in sourcing deals, this capacity for conflict of interest makes a music lawyer particularly useful. However, beware. The sensible and ethical lawyer will always make it clear in such transactions that he or she is acting for only one party at a time and that the others are not only free to get independent legal advice but should actually do so. Whether or not they do is their business. Most lawyers will put that in writing so that they are protected if anything goes awry later. CHANGING LAWYERS If you are not happy with your lawyer you have every right to find another one. It is important that you are able to communicate with your lawyer and have faith in his or her skill. Once either of these is missing, you might as well change lawyers. Although there is nothing stopping you simply going to another lawyer and asking them to arrange for the files to be passed over, it is preferable first to contact your lawyer and discuss the reasons for your displeasure. After all, there may be something quite simple that can be rectified if it is discussed. No relationship, personal or professional, is without its low moments. Most can be sorted out. In any event most lawyers appreciate the courtesy of being told why the change is being made. If the lawyer doesn t know why it happened, how can he or she improve the quality of service? If you do change lawyers, your previous solicitor can (and probably will) hold on to your files until you pay your outstanding accounts with the firm. Swapping lawyers is not a way to avoid paying your bills. FREE LEGAL ADVICE This sounds too good to be true. Well, it is and it isn t, as you will see. Australia is very fortunate in having services that provide a range of free legal advice to performers and artists of all kinds. Some services don t actually give advice, but they will direct you to someone who can. They are referral services rather than acting as lawyers. Others can provide initial contract and negotiating assistance. Their legal advisers are either in-house lawyers or panels of lawyers from legal firms who volunteer their time and expertise. Union members can also contact their union for assistance. Of course, there are limits to how much these services can do for one person or artist. Unfortunately, most of these organisations are, to a greater or lesser extent, dependent upon government grants and in these stringent times, none receive sufficient funds to enable them to provide all the facilities needed to run a legal practice. This is why, ultimately, they are not a substitute for musicians retaining their own legal advisers.
10 622 MUSIC LAWYERS CONTACTS Arts Law Centre of Australia, The Gunnery, 43 Cowper Wharf Road, Woolloomooloo, NSW 2000, tel: (02) , toll free: , fax: (02) , web: www. artslaw.com.au Arts Law Centre of Queensland, 4th Floor, 109 Edward Street, Brisbane, QLD 4000, tel: (07) , fax: (07) Australian Copyright Council, 245 Chalmers Street, Redfern, NSW 2016, Web:
Legal Ombudsman January 2014 Consumer Guide: Costs Ten questions to ask your lawyer about costs 1 The information in this leaflet is useful for anyone who is using, or thinking of using, a legal service.
Ten questions to ask your lawyer about costs www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is using, or thinking of using, a legal service. This could be for a whole
Using a lawyer as you get older: Ten top tips www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is considering using a lawyer but it may be particularly useful for people
Ók~íáçå~äpìêîÉóÓ oééçêíçåíüééêçäçåçäéö~äïçêâçñáåçáîáçì~ä ^ìëíê~äá~å_~êêáëíéêë kçîéãäéêommu ^éééåçáñsfff oéëéçåëéëíçëìêîéóèìéëíáçåëótéëíéêå^ìëíê~äá~ National Pro Bono Resource Centre The Law Building, University
Using a conveyancing lawyer: Ten helpful tips www.legalombudsman.org.uk Buying a new home is a significant step in anyone s life. You might be moving with a new job, getting a bigger place for a new or
A guide for lawyers An ombudsman s view of good costs service www.legalombudsman.org.uk Introduction 01 Pre engagement 04 - Providing information - Initial consultation meeting - Charging structure - Service
How to choose a financial planner And get the most out of the relationship Page 1 Choosing a financial planner can often seem the hardest step in getting professional financial advice. Consumer research
The 10 Most Costly Mistakes You Can Make When Selling Your Home When you are getting ready to put your property on the market, there is a myriad of things to think about, to prepare for and to organize.
No win no fee costs agreements Information for consumers Version 2 6 December 2012 Level 30, 400 George Street, Brisbane Qld 4000 PO Box 10310 Brisbane, Adelaide Street Qld 4000 T (07) 3406 7737 (Brisbane)
Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting
New to Project Management Graduates Career Advice 2 Contents Introduction 3 Graduates 3 You Have the CV, Now What? 5 Other Entry Points 6 Voluntary Work 7 Further Education 8 Project Management Careers
www.lawsociety.org.uk 1 Most of us need expert legal help at some time in our lives. Some of the most common issues are to do with buying a house, getting a divorce or making a will. But you might also
You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing
ACCESS TO JUSTICE: A COMPARATIVE ANALYSIS OF CUTS TO LEGAL AID THE CHANGING FACE OF THE LEGAL PROFESSION A short paper presented on 19 th March 2014 to a symposium organised by the University of Warwick
What Lawyers Don t Tell You The Realities of Record Keeping Welcome to the Power of Attorney Podcast which is part of our Conversations that Matter Podcasts. My name is Mary Bart, Chair of Caregiving Matters.
HOW TO FIND A LAWYER IN FLORIDA Office of the Staff Judge Advocate, MacDill Air Force Base, Florida (813) 828-4422 WHEN SHOULD I SEE A LAWYER? You've been hurt in a car accident. It's time to draw up a
Legal Notice: This ebook is copyright protected. This is only for personal use. You cannot amend, distribute, sell, use, quote or paraphrase any part or the content within this ebook without the consent
How To Sell Your Home Quickly At No Cost To You Proven Step-By-Step Strategies For Selling Your Home, Land Or Property Quickly At No Cost To You Brought to you by: How To Use This Special Report This special
THE 4 STEPS TO CHOOSING A CONVEYANCING SOLICITOR THE PERFECT NIGHTMARE Why is it so important to get the right conveyancing solicitor? Well, for a start if you're not careful you could end up paying two
Written by: Jennifer A. Young www.bestonlinepsychics.net Page 1 Table of Contents Chapter Title Page 01 Consulting a Psychic 03 02 Why Should You Consult a Psychic? 04 03 What Is a Psychic? 05 04 Choosing
Do You Need Title Insurance? By Brian Madigan That s a good question. Prior to 1997, there was no commonly available title insurance in Ontario and yet it was the norm in the United States. Solicitor s
GUIDE TO FUNDING YOUR MEDICAL NEGLIGENCE CLAIM Because of the expert knowledge and depth of investigation required in order to bring a successful claim, negligence litigation can be expensive. Understandably,
Finding and choosing a mediator Thinking about mediation? This leaflet is for you if you ve heard about mediation and you re interested in trying it to resolve a dispute you are involved in. Or perhaps
You and Your Lawyer Public Legal Education and Information Service of New Brunswick Public Legal Education and Information Service of New Brunswick (PLEIS-NB) is a non-profit charitable organization. Its
How to Produce a Television Commercial Without Spending a Fortune (or Wasting Money) And Still Get the Results You Want. Read this report to learn the 7 things you must know before you produce a TV spot.
FACT SHEET www.lpi.nsw.gov.au March 2014 Powers of Attorney in New South Wales This fact sheet also contains the forms to make a general power of attorney or an enduring power of attorney. What is a power
Club Accounts. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts. Essentially
A TEACHING EXERCISE FOR LAW SCHOOLS, POST-GRADUATE PROFESSIONAL EDUCATION PROGRAMS AND CONTINUING PROFESSIONAL DEVELOPMENT FOR LAWYERS ON ANTI-MONEY LAUNDERING OBLIGATIONS, LEGAL ETHICS AND PROFESSIONAL
Why Your Job Search Isn t Working 6 mistakes you re probably making and how to fix them I t s easy to think that your lack of success in finding a new job has nothing to do with you. After all, this is
Pro bono legal services in family law and family violence Understanding the limitations and opportunities Final Report - Executive Summary October 2013 National Pro Bono Resource Centre The Law Building,
2. Planning your support how to use your Personal Budget About this guide A Personal Budget is money from a local authority that can be used to pay for social care services and support. The money may be
Ók~íáçå~äpìêîÉóÓ oééçêíçåíüééêçäçåçäéö~äïçêâçñáåçáîáçì~ä ^ìëíê~äá~å_~êêáëíéêë kçîéãäéêommu ^éééåçáñs oéëéçåëéëíçëìêîéóèìéëíáçåëókçêíüéêåqéêêáíçêó National Pro Bono Resource Centre The Law Building, University
The Billing Practices Check for small law firms We published our fifth e newsletter to 9224 solicitors in Queensland in May 2012, inviting them to complete one of two billing practices Ethics Checks one
1 FREE REPORT How to Choose the Right Bankruptcy Attorney for Your Case -Brought to you by, Inc. Before selecting a bankruptcy Attorney, here are four things you should know and consider: 1. Your first
Background Having a motorcycle accident is traumatic and can often entail substantial damage to your beloved motorcycle and serious injuries. If the accident was caused or contributed to by the bad driving
Double-Entry Bookkeeping: Assets and Liabilities The purpose of this chapter is to introduce the fundamentals of double-entry bookkeeping and its role in accounting for business. The objectives of accounting
BankFirst Mortgage Services Thank you for taking the time to educate yourself on your new mortgage loan. We understand that it is a difficult process for new home buyers. We ll be happy to answer any question
MARITIME ARBITRATION/EXPERT WITNESS Lindsay Gordon, Gordon Marine Introduction 1. This brief paper is based on surviving and still enjoying the shipping world as a marine engineer for fifty years. Thirty
ATTORNEYS, MANAGERS AND THE ASSOCIATION 5235617 Attorneys, Managers and the Association Serving and Surviving In A Unique Relationship By Matthew Perlstein, Esq. (Reprinted with Permission) INTRODUCTION
Only 99 (inc VAT) SMALL CLAIMS Helping you resolve disputes worth 100s to 10,000. QualitySolicitors Truemans 2 Small claims legal advice, when you need it From a dispute with a builder to a holiday which
A Practical Guide to Hiring a LAWYER A PRACTIAL GUIDE TO HIRING A LAWYER I. Introduction 3 II. When do you Need a Lawyer? 3 III. How to Find a Lawyer 4 A. Referrals 4 B. Lawyer Referral Service 5 C. Unauthorized
Why use ADR? Pros & cons Thinking about ADR? This leaflet is for you if you ve heard about alternative dispute resolution (ADR) and are wondering whether to use it to try and resolve a dispute. It will
Leaflet: 1094 15/09/1 Liquidation Administration or Voluntary Arrangement? The information in this leaflet was prepared in September 2015. everything, information can get out of date. As with We therefore
GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently
Getting Paid on time every time invest in us... invest in you The AVN Excellence model is based on 15 years of research into what makes accounting firms world class. Northern Accountants is the first firm
EXTENDED WARRANTY INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance WHAT IS EXTENDED WARRANTY INSURANCE? When you buy something new for your home, such as a washing
you know you need financial advice but who do you turn to? As financial affairs become more and more complicated, so the need for professional advice grows. It is a fundamental principle that the earlier
Choosing Health Care Insurance By Steve Meinhardt http://yumainsurancehealth.com Office: 928-217-3621 Mobile: 928-580-7102 Fax No: 928-344-3507 Email: firstname.lastname@example.org Or - Fill out the contact
20 Essential Legal Tips to Know Before You Hire a Lawyer Ken LaMance, Attorney at Law Copyright 2000-2010 All Rights Reserved Contents Do I need a Lawyer? 1. Define your problem carefully before considering
Financial Series June 2011 Being a Guarantor in Alberta Has someone you know asked you to be a Guarantor? Are you already a Guarantor and worried about what comes next, or what is already occurring? This
HOW TO CHOOSE A COMPENSATION LAWYER GUARANTEE YOUR BEST CHANCE FOR CLAIM SUCCESS What you need to know to make sure you have the best lawyer for your claim How to choose the best lawyer for your claim:
Best Practices Guide for Law Firms Best Practices Guide for Law Firms DRAFT Best Practices Guide for Law Firms About PBLO PBLO s mission is to increase access to justice in Ontario by creating and promoting
ACCOUNTANTS DO MORE THAN COUNT BEANS By Gerald G. Kepner, Jr. All Rights Reserved 2012 Gerald G Kepner Jr ACCOUNTANTS DO MORE THAN COUNT BEANS Accountants are a dime a dozen, so choosing the right accountant
1 WE RE HERE FOR YOU Expert local personal injury advice. 2 A guide to help you We know that an injury can cause a wide range of problems, more than just coping with your pain and discomfort. We re here
Careers Audio Transcription Carolyn Roberts with Sally Harrison I m talking to Sally Harrison now. Sally graduated from this College, as it was then, in 1984 with a Degree in Geography and Geology, but
A Guide for Powers of Attorney NSW Trustee & Guardian can prepare a Power of Attorney to ensure your financial affairs are professionally managed. Contents Powers of Attorney: Your questions answered 3
Overview 6: Credit This topic is about credit. It helps your client understand the dierent types of credit, credit contracts and their credit files. Section: content for the worker and resources Key messages
Buyers Guide The key steps involved with buying a property are summarised below. If you need any further information or advice, please do not hesitate to contact us. Sell your existing property (if you
What our Clients are saying about their Reverse Mortgage My house needed a new roof, windows, flooring and paint, inside and out. WSB never abandoned me when even I wanted to just give up. It would have
How you could save 20,000 when relocating from the UK to any overseas destination! By Charles Purdy International Payment Specialist How you could save 20,000 relocating from the UK to any overseas destination!
briefing Guide to litigation funding The potential cost of litigation can be a major deterrent to bringing or defending legal proceedings even where there is a good chance of succeeding. Cost can be the
In the driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips Contents Don t drive into debt 2 Looking for a loan? 2 Choosing a policy 2 Applying for a policy
How to Choose the Right Web Site Design Company A White Paper on Choosing the Perfect Web Site Design Company for Your Business By Lyz Cordon About the Author: Lyz Cordon is owner of Diligent Design and
A Learning Paths Whitepaper Rapid Onboarding 3 Keys to Success The Importance of Rapid Onboarding How soon would you be confident assigning a new employee to work with your most valued customer? When do
Debt recovery talk In these uncertain economic times, it is very important that businesses make sure that their credit control is properly organised and enforced. Failure to do this will result in substantial
Sell Your House in DAYS Instead of Months No Agents No Fees No Commissions No Hassle Learn the secret of selling your house in days instead of months If you re trying to sell your house, you may not have
UNIT 1 ESTABLISHING AND OPERATING A SERVICE BUSINESS In Unit 1 of the VCE Accounting course, we will cover the following chapters: CHAPTER 1 THE NATURE AND ROLE OF ACCOUNTING IN SMALL BUSINESS 3 CHAPTER
Guide to becoming a self-employed lawyer in Hong Kong 2015 2 Guide to becoming a self-employed lawyer in Hong Kong 2015 Contents Peerpoint from Allen & Overy 03 Peerpoint in Hong Kong 04 Legal consulting
Choosing a Lawyer How to Choose a Great Lawyer for Your Injury Accident Case By Ross A. Jurewitz Injury Accident Attorney, Jurewitz Law Group.JUREWITZ LAW GROUP Jurewitz Law Group 600 B Street Suite 1550
BETTER YOUR CREDIT PROFILE Introduction What there is to your ITC that makes it so important to you and to everyone that needs to give you money. Your credit record shows the way you have been paying your
The 13 Pitfalls of selling your home... And how a Seller Advocate can help you avoid them Pitfall 1. Poor research. An incompetent agent can lose you a lot of money - all because people try to cut corners.
GUIDANCE FOR EMPLOYED BARRISTERS Part 1. General 1.1 This guidance has been issued by the Professional Standards Committee, the Professional Conduct and Complaints Committee and the Employed Barristers
GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What
Retainer Agreement and Information Personal Injury Contingent Fee This document is a supplement to practicepro's managing the finances of your practice booklet. It reviews the steps you can take to better
This is Our Code This is Our Code Our Code How we behave forms the character of our company and dictates how others see us. How we conduct ourselves determines if people want to do business with us, work
Email Marketing 101 Good Fast or Low cost marketing We ve all heard the old adage about how, when it comes to marketing, you can get what you need done well, delivered quickly or produced inexpensively;
Manage your cash flow Increase your sales through customer feedback The 8 best ways to ask for payments How to stay on top of your cash flow What is cash flow? As any small business owner or adviser will