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" ... Let’s go back to Alex, our history professor with family money whose divorce would be vastly different if she moved from New York City a mere thirty miles to Greenwich, Connecticut in the years leading up to her divorce. While Manhattan and Greenwich may be close in both proximity and socioeconomic status, how the two states categorize property could not be more disparate. In New York, as mentioned before, assuming Alex kept her inherited or gifted assets titled in her sole name and didn’t commingle those assets with money earned by her or her husband during the marriage, the assets would likely remain her separate property—with or without a prenuptial agreement—and her husband would not be entitled to any of them upon a divorce. In Connecticut, however, everything is considered marital property and Alex’s family money would have no protection under the law without a prenup. ... "
" ... The amount of overlap and shared resources is incredible, yet the sharing stops there. Even though organizations leverage the same vendors and commingle networks and data, they approach cybersecurity in silos. They even approach their shared third-party ecosystems in silos. Instead of working together to identify and mitigate shared vulnerabilities, organizations create custom approaches that cannot be shared with others. ... "
" ... The second step is to create a schedule of saving toward that cost. Maybe you pull money into that account on payday or twice a month. Note, too, that it should be a separate account. I say this for a couple reasons. First, you don’t want to commingle your vacation funds with your normal checking account. Second, having a separate account helps you easily see your progress toward that savings goal. As that balance rises, so will your motivation. ... "
" ... The technical aspects here are obvious: An Attorney cannot make or assist in false bankruptcy filings, or use an Attorney trust account to hide personal assets from creditors (or even just commingle funds). These points require no additional commentary. ... "
" ... Trust Formalities: Trusts must be operated properly with full respect to the terms of the trust document and all trust formalities. If your spouse is a beneficiary of a SLAT you created (see above) be certain that your indirect benefit is exactly that. All of this is quite gray and your benefit from the trust in a manner that is excessive or obvious may undermine the intended estate tax benefits of the SLAT and expose trust assets to the reach of your creditors. Trusts must have their own bank accounts, not commingle funds with yours, and pay their own bills (and not pay your personal bills if you are not a permissible beneficiary), and so forth. ... "