Stock Tips That Do Not add Up

It works something like this: “Stock Broker,” Ira Foghorn, a complete stranger to you, phones and tells you to watch Blowhard Networks on NASDAQ. Its stock is going to go up. You do. It does. A few weeks later he calls again and tells you to watch Simpleton Industries. Its stock is going to tank. Again you watch. It drops, just as he’d said it would. Another few weeks later, guess what? He calls a third time to tell you that Consolidated Bread’s shares will rise. Very curious now, you repeat your observance. And, of course, once more, this mystic is proven to be correct.

How did he do it?

Simple! You were one of eighty people, whose names he’d gathered from the internet, phone book, a directory, or other list. His second call was to the remaining forty, those to whom he’d proved himself correct. By the time he calls the third time, his list is down to twenty. You were one of the remaining twenty.

The word “con,” as in con man, is derived from the word, confidence And, I think you will agree that, based upon abbreviated face-time performance only, “Stock Broker,” Ira Foghorn, has “performed,” thus generating confidence.

In today’s unreal, alternative universe, smoke and mirrors magic proliferate. In this setting it is most tempting to accept the infamous “free lunch,” Now, Ira’s suggestion that for a small up-front fee he will put you into Suckers, International, so that you, too, can share in the benefits of his omnipotence, sounds enticing indeed.
(After all, lunch is always free, isn’t it.)

If you bite, any further conversations with this flim-flam man will only get you a reaction akin to the fast-talking physician checking his watch as he mentally consigns you to his scrap heap of victims. To him, the surgery on your wallet is over. Successfully. Now it’s time to brush you off, and get on to the next “mark.”

Will Writing – Different Types of Will and Some Unusual Examples

When we think of a Will we imagine a typewritten document prepared by a lawyer, signed by the testator and witnessed, but there are other less common types of Will that are equally valid and binding. A Holographic Will, for instance, is a Will entirely handwritten and signed by the testator, often without witnesses. The fact that it doesn’t always require witnesses and is accepted in some jurisdictions is because the signature of the testator is in the same handwriting as the body of the document and is therefore accepted as evidence that the testator actually created it.

Another type of Will is a Nuncupative Will or verbal Will that must have two witnesses. Such a Will is considered to be a “deathbed” Will because the testator doesn’t have time to draft a written Will. Holographic Wills and Nuncupative Wills are recognised in many jurisdictions, particularly for servicemen on active service, and in England such a Will is known as a Serviceman’s Will.

In a few jurisdictions, notably France and the state of Louisiana in the US, a Mystic Will is a legally binding Last Will and Testament. This rarely-used documen tis completed, signed, and sealed in secret, then delivered to a notary public along with a signed statement that the document is a valid Will. In front of witnesses, the notary then records on the envelope the circumstances of the transaction and the content remains secret until it is opened on the death of the testator.

While most Wills, whatever the type, are made in order to ensure family members are properly provided for after the testator’s death, some people have used them to make unusual bequests. As William Hazlitt, the English literary critic and essayist, said: “Few things show the human character in a more ridiculous light than the circumstances of Will-making. It is the latest opportunity we have of exercising the natural perversity of the disposition.” Here are some examples:

Shakespeare’s last wish was that his wife, Anne Hathaway, receive his “second best bed”.

Benjamin Franklin left instructions in his Will that his daughter not engage in “the expensive, vain and useless pastime of wearing jewels” to prevent her from removing the 408 diamonds studding the frame of a portrait of King Louis XVI, given to Franklin when he was ambassador to France.

The Will of Napoleon Bonaparte instructed his son “never to forget that he was born a French prince, and never to allow himself to become an instrument in the hands of the triumvirs who oppress the nations of Europe.”

Virgil, the classical Roman poet most renowned for his epic work The Aeneid left instructions in his Will to burn The Aeneid after his death because it was unfinished. The request was later removed from his Will after his friends found out.

And one Anthony Scott, wrote in his Will: “To my first wife Sue, whom I always promised to mention in my Will. Hello Sue!”

Allowing Minors To Tan At Your Salon?

Should you allow minors to tan at your salon? This is very likely going to be an issue that will come up. It is important that you give it some careful consideration. There are more and more teenagers out there turning to tanning salons to help them look great. They may want some color daily or for some occasion that is coming up such as a school dance or a vacation.

It is important to start out by looking into the laws that may pertain to this. They are different in some areas. For example you may be able to allow those 16 and older to tan without the permission of their parents. In other places a person must have permission if they are under 18. As long as you are in compliance with the laws in your area you can also implement your own policies relating to it as well.

It is recommended that you don’t turn those teenagers away that want to tan though as long as you go about it legally. They often have their own money to pay for the services or their parents do it for them. They love to buy new products and many of them have the time and the desire to tan all year long. This can help your business over the slower months too.

Should you decide it is a good idea to allow minors to tan at your salon, you should have the parent or guardian come in to sign a release. This way you can be sure the minor does have their permission to come in. They can be very smart about forging permission slips. It is much harder to get an adult to pretend to be their parent or guardian in person.

If you are worried that the consent form will turn people away, don’t be. Most parents don’t mind at all if their children go to a tanning salon. They may help them to cover the cost of it. They may also want to sign themselves up for the services as well. You can encourage this by offering a discount at the time when they come it to sign the release form.

The release form you offer needs to have some useful information on it. Make sure both the parent and the teenager understand it. In fact, you should have both of them sign it just to make sure that is clear. Offer them information on safety, risks, and what your policies are the tanning salon. This will help you avoid common problems down the road.

Make sure the teenagers are taking responsibility as well though. They need to sign the release form as well. This should only be done once they have read all of the information you provided. You want to make sure you aren’t held liable for any issues that come up so this should be a priority.

Most teenagers that do approach a tanning salon are going to be very responsible with the equipment. If you find this isn’t the case you can talk to them or you can cancel their membership and ask that they don’t come back. One common problem is being late for appointments but they will quickly learn what your policy on that is.