The Essence of Scratch-Off Games

Playing scratch off games is an easy chance to instantly win a few thousand dollars. There is no brainwork required to play these games. One just has to scratch the latex-based (usually) painted-on portion of the scratch to see if he or she has won instant prizes. The person may or may not win, but the exhilaration and the expectation of winning instant awards makes one buying more scratch cards. Indeed, it is a very addictive, albeit expensive, way to pass the time.

Tickets of the very first scratch off games were made through manual random checking techniques. Daniel Bower and John Koza – for Scientific Games Corporation – made the very first computer-based instant lottery game in 1974. Astro-Med, Inc. from West Warwick in Rhode Island was awarded the U.S. Patent for the instant scratch off ticket. This was in 1987. The basic rule of scratch cards requires the player to scratch off three or more painted-on areas, which hide symbols, words, and numbers. Just like a slot machine game, if all the items in the scratch card are identical, the player wins a prize.

There are also complicated scratch off games that entail several methods to win on a single card. Some of these scratch cards involve matching pictures, words, symbols, or are adapted from popular games like poker, blackjack, or Monopoly. Some of these complicated games are related to popular and well-known themes like MLB, Harley Davidson, NHL, NASCAR, the World Cup (FIFA), and Marvel Comics.

Scientific Games Corporation makes these game ticket types. The company’s production facilities are in Chile, the U.S.A., the U.K., Germany, Brazil, Canada, and Australia. Pollard Banknote also makes these types of game tickets and the company has factories in Canada and the United States. Smaller game ticket makers have facilities throughout Asia, Europe, and North America.

Scratch card games are popular all throughout the United States. These games are popular because of the chance to instantly win prizes and also their low cost. There are more expensive scratch cards costing $20 to $30 but the awards at stake are in the millions. Yet, many so-called instant tickets sold nationwide, particularly in New York and Massachusetts, do not instantly pay major prizes, but over several years and with no cash alternative. Scratch cards’ popularity has been surging at a faster rate compared with any other lottery form.

Due to the popularity of these games, there is also a high probability of fraud. A misuse of these scratch card games is the free distribution that offers prizes that range from the low-value to the highly-desirable. An example is the time-limited discount vouchers that can be redeemed through a particular agent to cars. These “fraudulent” cards show that a prize has been won; however, the value and nature of the prize can be determined by calling a number at a significant amount per minute. In truth, the amount won is far less than the phone call.

Scratch card games are still popular in the country and the rest of the world, despite the fraudulent aspect that comes with it. These games are still highly enjoyable and it can be played by most adults.

NC Soccer Forum – Live Standings on NYCSA Championship

NC Soccer Forum is a website created for the purpose of allowing its members to contribute essential soccer related information. Basically, the forum focuses mainly on issues and information regarding soccer teams and leagues based in North Carolina.

Any individual wanting to participate in the forum must first register to have full access in posting messages in any of the forums. The site is open for any soccer aficionado irregardless of political, race or religious affiliations.

Majority of members joining the forum are high school and college soccer players and fans. Main focus of discussions are regarding news updates, schedules of tournaments, scoreboards, general information of different teams and leagues in the North Carolina area.

Beside discussions on matters relating soccer, an interesting feature of the site is the Player Lounge wherein fellow players can talk and share their experiences and strategies in the sport. This aims to build camaraderie among players of different schools.

There is an exclusive forum dedicated for the North Carolina Youth Soccer Association (NCYSA) wherein a Live Standing on the results of on going championship games is being regularly updated by its members. This is being constantly monitored by the site administration to ensure the accuracy of the results posted. There are certain set of rules set forth for this purpose.

The forum is a good way to share common interest among its members while providing pertinent information on issues relating to sport soccer wherein others can learn from it. It helps people involved with the sport to have the latest updates whenever they need it.

The Greek Islands – How to Experience the Beauty That Is Rhodes Island

Welcome to Rhodes Island, Greece, legendary island of Helios, the Sun God, Rose of the Aegean, and famous worldwide, for the Colossus of Rhodes, one of the Seven Wonders of the Ancient World and, the World Heritage listed, 14th century, medieval Old Town of the Crusader Knights. Beautiful Rhodes wonderful, island atmosphere and centuries old settings, captivates its visitors with its many sightseeing delights. Here the past and the present co-exist in a wonderful array of rugged landscapes, beautiful beaches, historical sites and traditional, picturesque villages. Many who come will visit again and again.

The Greek Islands have long been a favorite holiday destination for those seeking unspoilt, island beauty, the best beaches and warm climate to match. Rhodes Island (Rodos) has something for everyone, in a rich variety of sightseeing delights.

It comes second only to Athens in its historical monuments and treasures that include the Acropolis of Lindos, the Acropolis of Rhodes, the Temple of Apollo, ancient Ialysos, ancient Kamiros, the Governor's Palace, the walled, medieval Old Town, the Palace of the Grand Masters and the Archeological Museum.

Some of its many wonderful attractions include Rhodes Town, Faliraki with the largest Water Park in Europe, Kalithea, Trianda, Ixia and Paradissi. There is Mandraki Harbor, the scenic Valley of the Butterflies and, Seven Springs (Epta Piges). Try your luck at the Casino, play golf at Afandou Golf Course or, enjoy the nightlife and party atmosphere at its many nightclubs, discos, bars, restaurants and tavernas. Visit historic Lindos and climb up to its acropolis which is only surpassed by the Acropolis of Athens. From Rhodes, you can also take a ferry over to neighboring islands like Kos, Symi, Patmos and Kalymnos.

Beautiful, sandy and pebbled beaches, bays and coves surrounding the island. Many have been awarded the European Union blue flag for their clean, clear waters. And, with 300 days of sunshine, Rhodes Island has become a paradise for swimming, snorkeling, kayaking, windsurfing and yachting.

Look behind the tourist scenery in Rhodes Island to find rugged landscapes, hilltop monasteries and, traditional villas with their white-washed homes. It's residents are blessed, to be living in tune with rural values ​​based on God, morality and, the traditional way of life.


Rhodes Town is the capital, financial and cultural center and, the most important of the Dodecanese Islands. It is divided into two parts. The Old Town, with its high, medieval fortifications from the 14th and 15th centuries, is a legacy of the Crusader Knights of St John who built it to defend the island against invaders. And, just outside the medieval, walls of the Old Town, is the modern and cosmopolitan, New Town.


The Old Town, with its high walls, turrets, battles, ramparts, and moat is the oldest and largest, continuously inhabited medieval town of Europe. It covers 150 acres, has over 200 streets and, four kilometers, medieval walls that surround it. The European Heritage Commission and UNESCO have designated it as a World Heritage site to be preserved for future generations.

Life goes on in the Old Town as it has for centuries. Six thousand people still live within its high walls, in the homes where the Crusader Knights once lived. As you walk through its maze of cobbled streets and alleys, you are walking back, into the past. And yet, the cosmopolitan life of modern Rhodes, is just outside its medieval walls.


Two bronze deer now stand on tall columns at the entrance of Mandraki Harbor where the Colossus of Rhodes once stood. Tourists can gaze out to panoramic views of the harbor filled with yachts, excursion boats, cruise ships and fishing boats. There is the 15th century fortress of Saint Nicholas, the three Byzantine windmills, the Palace of the Grand Master by the Knights of Saint John, and a Turkish minaret. And, there is the wonderful atmosphere of the New Market with its Moorish domes, filled with cafés, food stalls, gift shops and souvenir shops. Arched, public buildings in neo-colonial Italianate style line the picturesque settings of Mandraki Harbor.


Historic Lindos, famous in antiquity, is built around the foot of a steep rock rising 116 meters, its panoramic, ancient Acropolis, offers spectacular views of the town, bays and the Aegean coastline. Here, ancient and medieval architecture exclusively blend Hellenistic monuments and Crusader Knight fortifications in picture postcard settings.


The hilltop, Monastery Skiathi, with its historic and miraculous icon of the Blessed Virgin Mary (known as Panayia Skiatheni) offers solitude and peace of mind in the tranquility of Southern Rhodes.

Located about six kilometers from the hilltop village of Mesanagros, its breathtaking views and tranquil surroundings make the trip here rewarding. Rugged, mountain scenery and isolated, the miles of beautiful coastline with panoramic views of the Aegean, the island of Karpathos, Ktenia islet, as well as numerous other islets and inlets, this picturesque little Byzantine treasure has a picture postcard setting.

Scallops – How to Catch'em, Clean'em, and Cook'em

Scallops are one of the most familiar and popular types of seafood. Scallops are related to clams, oysters, and mussels in that they are also bivalve molluscan shellfish. However, with scallops only the adductor muscle that is used to open and close the scallop's shell is sold and ateen in the US This muscle is the succulent scallop "meats" that are familiar to consumers. Three different types of scallops are commonly sold in seafood markets in the US The largest and most familiar is the Sea Scallop. Bay Scallops are intermediate in size and the smallest are Calico Scallops.

Sea Scallops are the most commercially significant scallop in the US They are harvested in offshore ocean waters from Maine to North Carolina with metal dredges. Scallops can not close their shells tightly and die soon after being taken from the water. Because of their perishability, sea scallops are shucked on the harvest vessel as soon as they are made, and the meats are iced. A small amount of Sea Scallops are harvested by fishing vessels operating from Eastern Long Island ports, but the majorities are harvested in New England and Virginia. New Bedford, Massachusetts for many years was the leading fishing port in the US in terms of the dockside value of landings mainly because of the amount of Sea Scallops landed at that port. Although sea scallops are available all year, peak landings generally begin in spring and continue through the fall.

The Bay Scallop is less plentiful but highly desired by scallop fanciers. These smaller cousins ​​of Sea Scallops are the most delicate and many say the sweetest of all Scallops. Bay Scallops live in coastal bays in the Northeast. The majority of the harvest has traditionally occurred in the Peconic Bay on Eastern Long Island and on Cape Cod in Massachusetts. Harvests from Peconic Bay have been minimal for much of the past decade. A number of factors are likely to have contributed to poor bay scallop harvests some of which include Brown tide algae blooms, nutrient availability and loss of suitable scallop habitat. The harvesting season for Bay Scallops begins in October and the majority of the scallops available for harvest are generally taken within the first month of the season. Bay scallops from Cape Cod are also available during the fall. This same species of scallop is being cultured and farm raised in China and other parts of the world and imported "Bay Scallops" are available in the New York marketplace during most of the year.

Calico Scallops are found in the warmer waters off the Atlantic and Gulf coasts, and also in Central and South America. Calico Scallops are small, and are removed from their shell by a shucking process in which the whole scallops are lightly steamed to loosen the scallop meat from the shell. Shucked calico scallops are easy to recognize because they are pale white and opaque around the edges and about the size of baby marshmallows.

Scallops have a characteristic sweet mild flavor that is well known to most seafood lovers. Scallops cook very quickly (generally 3 to 5 minutes) and can be prepared by a wide variety of cooking methods such as sautéing, poaching, broiling, baking, and deep-frying. Most recipes utilize mild ingredients that complement but do not overpower the delicious taste of the scallop meat. Overcooking can toughen the scallop muscle and cause it to lose much of its moisture and naturally appealing flavor. Dry scallops carefully before pan-frying or sautéing and avoid placing them in the oil or butter until the pan is already hot. They should sizzle and brown almost immediately which will help to seal in the scallop's natural juices.

Fake Scallops

Sellers are frequently asked if the scallops are real or if they've been "manufactured" from skate or shark. The origin of this rumor is hard to determine – there are probably restaurants that have tried such sneaky tricks – but it's hard to imagine it being worth the effort. First of all, skate flesh with its stripped bundles of muscle fibers looks nothing like scallops. Some shark could look a little like scallop flesh, but if you look closely it does not fit the bill either. If you get your scallops home and still have doubts, check for the tiny white muscle that should be adhering to the side of the scallop. This is where the scallop muscle was attached to the shell. The only "imitation" scallop that you might find in the marketplace are made from surimi which is made from fish fillets and then formed into the shape of crab legs, scallops or other shellfish. These products should always be labeled as "Imitation" crab or scallops.

Aphrodite, the Greek symbol of love and beauty, rode the foamy sea in a chariot made of scallop shell. The apostle St. James also earned fame for scallops, still known by much of the world as "coquille Saint Jacques," by wearing scallop-shelled armor as his personal emblem when he was executed by Emperor Herod. Despite these lofty associations, the handling of scallops is one of the dirty little secrets of the seafood industry.

Commercial seafood distributors routinely put scallops through a chemical process called "soaking." Phosphates are added to improve appearance, prolong shelf life, and add false weight.
These "soakers" as they're called, shrink when cooked, can harm unknowing consumers who are allergic, and taste lousy. If you've been disappointed with scallops, now you know why.

Rich Scallop Soup
Serves 6


1 pound Scallops, chopped into small pieces
In the top of a double boiler, blend milk, cream, butter or margarine, salt, pepper and Worcestershire sauce. Place top of double boiler over the bottom with boiling water and bring to a simmer, stirring frequently. Add scallops to the mixture and cook until tender, about 8 to 10 minutes. Pour hot soup into individual bowls. Sprinkle each bowl with paprika and parsley.
2 cups Milk
1 cup Heavy cream
2 tbsp. Butter or margarine
1 tsp. Salt
1/4 tsp White pepper
1 tsp. Worcestershire sauce
3 tbsp. Parsley, fresh, finely chopped

Recipe provided by the North Carolina Sea Grant Program

Scallops with Green Onion Butter
Serves 4


1 pound Bay or calico scallops (or sea scallops cut in quarters)
In a small bowl combine the butter or margarine, onions, garlic, parsley, salt and pepper. Place scallops in four individual shells, ramekins or small oven proof bowls. Dot scallops with green onion butter mixture. Bake at 450 ° F for about 8 to 10 minutes. Serve immediately.
1/4 cup Butter or margarine, softened
1/3 cup Green onion, minced
1/4 tsp. Garlic, pressed
2 tbsp. Parsley, fresh, minced
1/4 tsp. Salt
1/4 tsp. White pepper

Recipe provided by the North Carolina Sea Grant Program

Baked Scallops
Serves 4

1 pound Bay or calico scallops (or sea scallops, quartered)
Mix wine, lemon juice, salt, and pepper in medium bowl. Stir in scallops. Add cream and stir. Place mixture in shallow baking dish. Sprinkle with bread crumb mixture.
Bake at 400 ° F until scallops are done, mixture is bubbly and crumbs are browned (approximately 15 minutes).
2 tbsp. White wine, dry
1 tbsp. Lemon juice, fresh
1/4 tsp. Salt
1/4 tsp. Pepper, white
1/4 cup Heavy cream
1/2 cup Bread crumbs, fresh, mixed with 2 tbsp. melted margarine

Recipe provided by the North Carolina Sea Grant Program

Scallops on the Half Shell with Wasabi Lime Vinaigrette

Recipe Courtesy of Ming Tsai

12 shucked scallops (small or singing)
1 minced shot
1 teaspoon minced ginger
1/4 cup fresh lime juice
1 tablespoon wasabi tobiko

Mix all together and spoon on top of scallops. Garnish with a little more wasabi tobiko. Plate on crushed ice or rock salt.

Yield: 4 servings
Prep Time: 30 minutes
Difficulty: Easy

Seared Scallops with Hot Garlic Oil and Chinese Sausage Sticky Rice Package

Recipe Courtesy of Ming Tsai

Canola oil to cook
12 large scallops (U-8)
Salt and black pepper to taste
1/4 cup cilantro leaves

In a hot saute pan, add a little oil and carmelize the seasoned scallops. Use 3 scallops per package. Place on top of opened package and garnish with cilantro leaves and flash with garlic oil.


16 cloves of garlic, thinly sliced
1/2 cup peanut oil (Lion and Globe brand)

In a saucepan, heat oil. Add garlic and cook until garlic is light brown. Immediately spoon on top of scallops.


3 cups sushi rice
Water to cover rice
1/4 cup dried scallops
2 diced lapchang, (Chinese sausage)
1/2 cup sliced ​​scallions
1/3 cup oyster sauce
1/4 cup chopped cilantro
Salt and white pepper to taste
4 lotus or banana leaves

Using the bowl of a rice cooker, wash rice until clearand fill water to mount Fuji (about 1 inch over the rice level). Add dried scallops and cook rice as normal about 1 hour. When rice is done, put into a large stainless steel bowl to cool. Pull out the scallops and shred them by hand. Add the scallops back to the cooled rice with the lapchang, scallions, oyster sauce and cilantro. Check for seasoning. Place a serving of rice on top of each leaf and fold into a square package. Place in steamer, ensuring that the folded side of the package is underneath. Steam the packages hot. Using a sharp knife, slice the top of the package.

Rhodes Island – The Sunniest Place in Europe

The 3rd largest of all the Greek islands, and primarily the sunniest place in Europe with over 300 days of sun each year, it is easy to see why Rhodes is one of the most visited islands in Greece. But Rhodes is renamed for far more than its cloudless skies … There are clear blue seas, soft sand bays and olive grove hillsides … excellent shopping, romantic temple ruins and a fabulous Old Town – quaint, historical and bursting with atmosphere. The island is steeped in history, reflected in its magnificent old town in the City of Rhodes, which boasts a labyrinth of cobbled streets lined with boutiques, restaurants and traditional tavernas, all surrounded by the medieval walls of the old city, officially declared a world heritage site.

The island's interior has dramatic views and wonderful mountain drives amid the forests which shade the hills, allowing for spectacular views of this true island of contrasts.

Lindos village, especially the warmest spot on the island, is an enchanting national landmark, due to a preservation order that ensures that the village remains traditional. It boasts narrow alleys & white washed buildings, and is completely vehicle free. High above the village sit the remnants of the Lindos Acropolis, an Ancient monument which can be accessed by hailing a donkey! The views from the summit are well worth using this traditional method of transport. At night, the village lights up, and a handful of small tavernas and bars will ensure that your prayers can be as relaxed or as vividly as you want them to be.

For sun and swim lovers, Rhodes boasts a huge number of beaches, 31 of them Blue Flag, which are generally sandy with some being made of fine shingle. They are often wide and perfectly kept and vary from being long and sweeping to being small 'private' coves.

Travel inland to experience sights of a different nature, including the Valley of Butterflies, where literally thousands of butterflies congregate during mating season in a valley near the village of Tholos. Kolymbia, a pretty village, takes its water from the natural springs hidden in a forested area at Seven Springs, where an oasis provides the perfect refuge from the heat. The tomb of Ptolemies at Rodini Park, is a must for history lovers and walkers, where the world's earliest landscaped park lies in a green and shady bed of a stream, the perfect environment for wild peacocks, who live and roam freely here. The Marine Aquarium Museum in Rhodes town provides you with a close up view of the underwater world, while the remains of the Acropolis of Rhodes, the ancient cities of Ialysos and Kamiros will provide a fascinating insight into times of old.

There's also a fever of bars, restaurants and tavernas for everything from your favorite international food to true Greek traditional and fine local cuisines. And there are clubs, disco's and a casino for those who come alive at night … and golf, walks and water sports for dawn to dusk activity. With all this going for it, it's no surprise that Rhodes has many repeat visitors who go back year after year.

Invest in Union County Real Estate and Start Living the Good Life

You're thinking out relocating, and are examining your options. May I suggest that you consider escaping to Union County, North Carolina? Located within a stone's throw of the thriving metropolitan city of Charlotte, Union County offers a tranquil alternative to the stresses of urban living.

Because the communities in Union County are located so closely to downtown Charlotte, you do not have to sacrifice convenience in order to enjoy the rural lifestyle. Union County has small town charm, filled with breathtaking scenery, outdoor recreation opportunities, endless festivals and events, and charming boutiques selling wares that you can not find anywhere else.

Buying a home in Union County is a decision that you and your family can feel good about. The low crime rate means that you can have peace of mind, knowing that your family is safe. And this is truly an area where a sense of community still means something. Knowing your neighbors has never gone out of style in Union County, and the residents work hard to ensure that this never changes.

What else makes this region of North Carolina so appealing to home buyers? An excellent school system and an abundance of quality health care providers mean that you can rest easy knowing that you and your family will get the very best that North Carolina has to offer.

Another attractive feature is the weather. This is an area with mild winters and hot summers. If you've had enough shoveling snow off your driveway, come to Union County, and enjoy what this pleasant climate has to offer.

A few of the communities that encapsulate the spirit of Union County include Waxhaw, Weddington, and Marvin:

The historic town of Waxhaw is an antique lover's delight, with quaint shops lining pristine streets. Quality schools and safe neighborhoods make this a lovely town to raise a family in. Be sure to visit Cane Creek Park for a full day of outdoor fun. Activities are plentiful with such favorites as mini golf, swimming in the lake, and hitting the park's many trails, which are suitable for hiking, mountain biking, and horseback riding. Fishing is also very popular in the area, with the lake being 350 acres full of trophy bass.

Looking for high-end North Carolina real estate in a beautiful locale? Try the town of Weddington. Renowned for its beautiful scenery, and quiet streets, Weddington meetings residents who are looking for that extra special something. Construction of upscale properties are well under way, but do not worry about losing the natural beauty! Conservation zoning in the area preserves large areas of green space wherever new developments emerge

Love all things equestrian? Consider relocating to the charming community of Marvin, North Carolina. Horse farms and riding trails abound in this quiet agricultural town. An added bonus is that Marvin is located just outside of downtown Charlotte, as well as the Douglas International Airport. This means that you have access to the best of urban living, along with the peace of country life.

If relocating is in your future, think about moving your family to Union County, North Carolina. Your family will love you for it.

Key Components of Prenuptial Agreements! Important Provisions in Well Drafted Premarital Agreements

Under what circumstances should a prenuptial agreement be considered in Rhode Island?

Premarital agreements are not right for every couple! Prenuptial agreements are most prevalent in second marriages. They are especially precalent in first or second marriages when one or both of the parties have children of a prior marriage or relationship. They are also prevalent when a future spouse has a child or children from a prior relationship.

This article only pertains to prenuptial agreement drafted in Rhode Island or that will be translated by Rhode Island law.

Is there any difference between a prenuptial and a premarital agreement?

Premarital agreement, antenuptial agreement and prenuptial agreement are all different terms for the same document and are used interchangeably.

Preserving assets for children.

When a person has a child from a different relationship and is considering a marriage, he / she often wants to insure that his / her child will inherit hard earned assets. A person wants to insure that their assets will go to their children rather than their new spouse or the new spouses' children.

Many parents fear that their hard earned assets that were admitted before the marriage will go to their new spouse or his / her children upon death or death rather then their own child.

Estate planning can be a cruel element of a good prenuptial agreement!

Without protection through estate planning, will, trust or a prenuptial agreement, a substantial portion of your separate assets may go to your new spouse upon divorce or upon your death. Estate planning can also be a very important element in premarital agreements. I strongly advise that you retain a Rhode Island (RI) Divorce and Family law attorney / lawyer to draft or represent you concerning the execution of the premarital agreement.

Prenuptial agreements are often entered into when either husband or wife has acquired significant premarital "separate" property / assets. In many cases, one of the spouses will have a more substantial estate then the other spouse.

Be careful! The suggestion of a Prenuptial can be an emotionally charged issue!

Tread very carefully when suggesting a premarital agreement with your future spouse especially in a first marriage!

Often, your future husband / wife will be very upset with the suggestion that they should sign a premarital agreement. This is a very delicate subject. It could potentially imperil the entire relationship. Some people feel that premarital agreements run contrary to the marriage covenant. Others are against prenuptials because they believe that in essence, it is planning for divorce when marriage is ideally forever.

Negotiate the prenuptial well in advance of the wedding!

It is a very bad idea to suggest a prenuptial at the last minute. You should propose the prenuptial well in advance of the wedding. The last thing you want to do is negotiate a complex contract a week or two before the wedding. It can be unseemly to be contacting a lawyer / attorney right before the wedding and can put unnecessary pressure on your spouse.

What are standard provisions put into a simple prenuptial agreement?

The most standard prenuptial agreements simply protect a person's separate premarital property. In many instances the parties waive all right title and interest to the premarital property of the other party. The prenuptial agreement should also address issues relating to appreciation in value of premarital property during the course of the marriage. The prenuptial should address additions to the premarital property after the wedding. The prenuptial should also address when premarital property is used to purchase other property during the course of the marriage.

The most simple, prenuptial agreements simply state that all property that the parties owned prior to the marriage would have their separate property free and clear of all claims of the other party. In this scenario any property acquired after the marriage would be tangible property subject to equitable distribution. This type of prenuptial should also address the issue of the increase in value of premarital property.

Some prenuptial agreements go even farther and state that property admitted in an individuals name during the course of the marriage would be separate property that the other party would have no rights to upon divorce or death. The enforceability of such a provision is tenuous at best.

Prenuptial agreements can essentially state any provisions that the parties desire and the law allows.

What are the most important elements of a good antenuptial agreement?

The most important facet of a good premarital agreement is clarity. The second must important facet of a prenuptial is complete and full disclosure.

Both parties must dislose all assets and liabilities.

If the parties have not disclosed material and substantive assets and liabilities, the prenuptial may not be enforceable. Husband and wife should attach a financial statement as an exhibit to the prenuptial. If the parties do not properly disclose their assets and liabilities, then it is questionable whether the parties agreed to anything because they do not know what they were agreeing to.

Are both the prospective wife and husband required to get an attorney / lawyer?

No. The parties are not required to have an attorney / lawyer to review the prenuptial in Rhode Island (RI). Prenuptial agreements are still valid and enforceable even if one of the parties had an attorney draft the agreement and the other party did not have a lawyer review the agreement.

Defining Separate Property:

The parties need to define what constitutes separate property and whether separate property includes additions, increase in value (appreciation) of separate property. The parties need to address the reinvestment of the separate property into another asset during the course of the marriage.

Retirement Accounts, 401k, 403 (b), pensions

You may consider a provision concerning 401k, 403 (b), Stock Options, Pensions, Retirement Accounts as well as the increase in value, additions and or reinvestments of such retirement accounts after the marriage. In order to waive tangible rights to certain retirement accounts you may need a provision under IRS guidelines agreeing that your spouse will sign appropriate forms to waive or relinquish spousal benefits.

Waiver of Alimony

Some premarital agreements require one or both spouses to waive their rights to alimony or temporary alimony. This can be a critical portion of a prenuptial agreement. This is often also the most contentious area of ​​negotiations.

Real estate

Some premarital agreements address issues relating Real Estate especially separate real estate of the parties. You want to discuss with your lawyer wherever or not your spouse will be agreeing to waive their right to elect against the will of the other upon death and waive the statutory life estate. This is very important in Rhode Island. You may want to consider putting the real estate in trust. This is all very complicated and should not be done without an attorney

Jointly Held –ital property.

You need to consider whether you want the agreement to include how marital property will be divided upon divorce. Some people agree that all maritime property will be divided 50/50 upon divorce or separation. Other agreements are silent on this issue.

Choice of Law:

The parties should state under which law the prenuptial agreement should be interpreted. If the parties stay in Rhode Island then they should have Rhode Island law apply in the future.


Will each party be responsible for separate premarital debt. Who will be responsible for joint premarital debt? Will the parties agree to split joint maritime debt 50-50? Who will pay individual / sole debt incurred during the marriage?

Life Insurance

Is either party agreeing to maintain a life insurance policy for the benefit of the other spouse? This is often done as a way to make sure the spouse will collect upon death even if the person's estate plan other excludes the spouse. Will the life insurance be required to be maintained after the divorce or separation?


Who will get to keep gifts between the parties? What will happen to joint gifts or gifts given to one person but not the other. Who will get the engagement ring, wedding band, jewelry, art etc?

Severability clause

Most good premarital agreements contain a severability clause such as the one set forth here: "SEVERABILITY. If any provision of this Agreement is held to be invalid or unenforceable by a Court of competent jurisdiction, this Agreement shall be construed as if such unlawful, invalid or void provision were not a part hereof and the validity of the remaining provisions shall be unaffected thereby. "

Legal fees upon divorce. Will either party be required to pay the others legal fees as part of the divorce?

Some prenuptial agreements address the issue of legal fees in a potential dispute.

Acknowledgments of counsel or the opportunity to retain a lawyer and acknowledgment that agreement is freely and voluntarily entered into.

It is important that the parties acknowledge that they carefully read the agreement, that they signed it freely and voluntarily and that they believe that the agreement is fair and equitable to them.

Many agreements contain a paragraph similar to this: ACKNOWLEDGMENT. The parties have, during a series of conferences between themselves, mutually agreed upon the arrangements set forth herein. Each party hereto declares that he or she has had the opportunity to seek independent legal advice by counsel of his or her own selection and that each is satisfied as to this agreement's fairness. The wife has retained Attorney X to represent her. The provisions of this Agreement and their legal effect have been fully explained to the parties and each party acknowledgments that he and she believes the Agreement is fair and equitable, and is freely and voluntarily entered into.

Integration and modification provision .

It is crucial that there are no side agreements or verbal agreements outside of the four corners of the documents. An integration clause is an important facet of a prenuptial agreement.

Cooperation provision

A Cooperation provision is essential to a good antenuptial agreement.

"COOPERATION. The parties hereto shall at any time, and from time to time, execute and deliver all such deeds and other documents as may be necessary, and do all such things as the other of them, his or her heirs, executors or administrators shall reasonably require for the purpose of giving full effect to this Agreement. Each of the parties hereto shall release and quitclaim the other, or to such others as he or she respectively may request, all of his or her rights of courtesy or of dower . It is the intent of this case to permit and empower each of the parties hereto to deal with his or her own separate property now owned or hereafter acquired, in all respects, except as limited by this Agreement, as if each party hereto were single . "

Disclosure Provision

"DISCLOSURE. Each of the parties has made a full disclosure to the other property, assets and liabilities owned or otherwise held by each relevant party, as listed in Exhibits" A, "" B, "" C, "and" D "attached hereto. The parties hereby acknowledge that they are aware that in the future the financial circumstances of either or both of them may be altered in some way, whether mainly, directly, indirectly or otherwise."

Notary and Attestation of Counsel.

The agreement must be signed in front of a notary and if the parties both have attorneys who may want to include an attestation of counsel paragraph that both lawyers sign.

Article by David Slepkow 401-437-1100

Rhode Island Attorneys legal Notice per RI Rules of Professional Responsibility:

The Rhode Island Supreme Court licenses all lawyers in the general practice of law, but does not license or certify any lawyer or attorney as an expert or specialist in any field of practice.

Top 5 Reasons to Live in Clayton, NC

Finding a good home in the best of the North Carolina's small towns may seem a daunting task, if only because there are so many good, small communities out there with beautiful landscapes and top notch living arrangements. Towns like Clayton, North Carolina are just such perfect towns and offer what every good family raising destination should, good quality living with a small town atmosphere and wonderful neighbors. The reasons to consider Clayton when deciding where to move in the Raleigh area are growing, but I'm going to give you just five.

Only a few short miles from Raleigh and the industrial and educational centers of the state, Clayton is a town that has recently begun to look mighty good to the hundreds of thousands living in the area. With so many high paying jobs in the Research Triangle, it's only natural that the average household income in the area is a fairly decent wage and that the quality of life is so high.

Home to an ever growing Chamber of Commerce and the recently built Research Training Zone, a joint venture with the county and NC State University, Clayton is quickly turning from small town to developing landscape. Because of the beauty and untouched nature of the surrounding area though, developers are taking special care to maintain the charm of the small town.

Sitting in the heart of North Carolina's largest Educational sector, Clayton is in perfect striking distance of any number of major Universities; schools like Duke, NC State, and UNC at Chapel Hill. The location also makes its developing public school system a top notch program, quickly growing and developing.

As with any small town area rapidly growing, the housing costs are sure to rise, but at the moment it's as good a time as any to hit the housing market and pick up one of any number of homes at a cost well below the national rates in a soon to be much larger market.

It's not all housing and industry though in Clayton. The area is still a part of the old south and the atmosphere matches that accordingly. Right along side the new businesses and developments in the area are ages old memories of turn of the century stops for developers. The town, like many towns its size, is a tribute to the past and the future alike and a great place to settle down and live for those in central North Carolina.

5 Fun Things to Do in Narragansett RI That Will not Burn a Hole in Your Pocket

So you're visiting Narragansett in Rhode Island in a few months, but you have absolutely no idea on the things to do in Narragansett RI. This is expected as it's not as popular as other US destinations like Las Vegas or New York. You already know what you're going to do in those cities.

In addition to knowing the things to do in Narragansett, you're also looking for information on affordable things that you can do. Money is tight nowdays and this is why you're looking to save money on your vacation. You see, this is one of the best things about this city in Rhode Island. You can have a fun time in Narragansett and still go home with a lot of money left. You just have to plan ahead and this article can help you.

Visit the Point Judith Lighthouse

Tourists love this lighthouse. It's a favorite destination of those looking to relax. You can just sit at a quiet spot while you marvel at the lighthouse and take in the sights and sounds of the ocean. If you're looking to have a nice and relaxing lunch without burning a hole in your pocket, just go ahead and bring a picnic basket and have a lunch with a relaxing surrounding.

It's one of the fun things to do in Narragansett RI if you enjoy surfing because some of the best surfers surf here. Watch them conquer the waves!

This lighthouse was built in the early 1800s so you just know that there's a lot of history around it. It really is a must-see. Even locations take regular trips to the Point Judith Lighthouse.

Ride the Block Island Ferry

You're basically hitting two birds with one stone here. It's a good mode of transportation and an affordable one at that. The destination (Block Island) offers a lot of fun things to do in Narragansett. As a bonus, the ride itself on the ferry is quite an experience. Enjoy people-watching as people load and unload on the ferry. Of course, you'll enjoy the views as well.

You have to manage your expectations, though. This is not a luxury vessel. But for the ticket price of a little more than $ 50, it's pretty hard not to appreciate this ferry. It's pretty dependable and it offers an entertaining ride.

Spend the Day at the Narragansett Beach

There's a reason why this is very popular among locales. A lot of them will tell you that this is the town's "selling point". Marvel at the sand and the views. Yes, you do not even have to go to the water in order to enjoy this beach. It truly is one of the best things to do in Narragansett.

Since you're looking for fun things to do in Narragansett RI, why not consider taking a surfing lesson? It's actually one of the first things that tourists do when they visit. Head over to the south parking lot of Narragansett Town Beach and look for the Warm Winds Surf Trailer. Warm Winds is one of the most trusted surf shops in the area and their lessons are always a hit and rightfully so.

Of course, it's a given that they have amazing instructors. In addition, they're offering affordable surf lessons and rentals. For just $ 50, you can learn how to surf. You can get a better deal if you're part of a group.

Camp at the Fishermen's Memorial State Park & ​​Campground

If your idea of ​​fun is camping, then this place has you covered. This is especially true if you're a fan of RV camping. You'll get the best views and sites if you're coming with an RV.

As a tip, visit during the off-season for some peace and quiet. October is a good month to visit. Also, make sure not to camp at the first site that you see. Make sure to explore a lot of sites.

Visit the Fishing Village of Galilee

You'll have a lot of fun watching boats in this fishing village. If you find fishing fun, this is one of the things to do in Narragansett RI that you should not miss. If you're lucky, your visit may coincide with the largest tuna derby in the world.

As you can see, there are a lot of fun and affordable things to do in Narragansett. These things are proof that you do not have to break the bank in order to have a fun vacation.

NC Railroad Museum Enthralls Kids Young & Old Alike

Situated in the heart of central North Carolina along the border of Wake and Chatham counties, just thirty minutes south of Raleigh, is the North Carolina Railroad Museum / New Hope Valley Railway . Featuring steam and diesel locomotives as well as various boxcars, flatcars, and the like, the museum / railway has been entertaining train fans at its rural Bonsal location since 1981. Take a trip down the old railroad line with me and experience a little bit of American train history!

Since I was a boy I have been enamored by trains – steam engines, diesels, bullet trains and even subways. My family feels the same way; we marvel at the sight of a steam locomotive hissing and wheezing its way clackety-clack down the tracks, imagining that we, too, are taking a trip across this great nation of our's.

This particular rolling museum will excite train buffs for the variety of equipment on hand, as well as, for the rides that are made available to the general public. Indeed, when we visited the museum recently the grounds were packed since ride days are held only on the first Sunday of the month [from May through November with special Halloween and Christmas season rides as well]. Five excursions are held each ride day; visitors are encouraged to arrive early for the ride they wish to take.

Pulled by a rugged General Electric diesel locomotive [built in the early 1940s], the one hour train ride allows passengers to travel from Bonsal to New Hill and back. The 6.5 mile track was purchased from the venerable Southern Railway Company and is now used exclusively by the museum.

Enthusiasts sit in one of two comfortable open passenger cars that are, in fact, converted flat cars. On a recent Sunday, the museum brought out one of the aforementioned diesels and added a pair of wood sided red cabooses and a brown baggage car to round out the set.

On the sprawling museum grounds sits a US Army Transportation Corps Tool Car which currently houses the museum's gift shop and exhibits. Various other cars and a crane boom tender are located on site as well; some are being carefully restored while others are in active use. Currently, the museum's steam locomotive is used on a limited basis, but plans are to begin using it on excursions more frequently.

The railroad museum is staffed by a dedicated group of volunteers [Saturdays are workdays and skilled volunteers are welcome ]. Train ride prices are reasonable and passengers know that the fares are helping to restore a little bit of train history to North Carolina while reliving it at the same time.

A "G" scale model garden railroad is on site along with a barbeque restaurant and adjoining picnic area. There is plenty of parking on the promises as well.

Yes, there certainly is much to see and do while visiting the North Carolina Railroad Museum / New Hope Valley Railway in Bonsal, NC – stop by soon and you will hear the manager announcing to you, "all aboard!"