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	<title>Robinson &#9830; Thatcher, LLP  </title>
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	<link>http://www.robinson-thatcher.com</link>
	<description>Bringing Peace To Your Family</description>
	<lastBuildDate>Fri, 27 Jan 2012 19:37:44 +0000</lastBuildDate>
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		<title>Friday Funnies: Advance Health Care Directives, Dilbert Style</title>
		<link>http://www.robinson-thatcher.com/2012/01/27/friday-funnies-advance-health-care-directives-dilbert-style/</link>
		<comments>http://www.robinson-thatcher.com/2012/01/27/friday-funnies-advance-health-care-directives-dilbert-style/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 19:37:44 +0000</pubDate>
		<dc:creator>Laura Thatcher</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Friday Funnies]]></category>
		<category><![CDATA[Advance Health Care Directives]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=435</guid>
		<description><![CDATA[Happy Friday!  It&#8217;s been an exciting but busy week.  Hopefully laughter is the best medicine&#8230;&#8230;]]></description>
			<content:encoded><![CDATA[<p>Happy Friday!  It&#8217;s been an exciting but busy week.  Hopefully laughter is the best medicine&#8230;&#8230;</p>
<p><a href="http://www.robinson-thatcher.com/wp-content/uploads/2012/01/120631_strip.gif"><img class="size-full wp-image-436 alignleft" title="120631_strip" src="http://www.robinson-thatcher.com/wp-content/uploads/2012/01/120631_strip.gif" alt="Dilbert Advance Health Care Directive" width="640" height="199" /></a></p>
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		<title>Some Help for Job Seekers Who Have Filed Bankruptcy</title>
		<link>http://www.robinson-thatcher.com/2012/01/04/some-help-for-job-seekers-who-have-filed-bankruptcy/</link>
		<comments>http://www.robinson-thatcher.com/2012/01/04/some-help-for-job-seekers-who-have-filed-bankruptcy/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 00:40:23 +0000</pubDate>
		<dc:creator>SJR</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bankruptcy Job Seekers New Law]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=416</guid>
		<description><![CDATA[Many clients who consult with me regarding bankruptcy worry about how a potential employer will view a bankruptcy on their credit report. For those individuals, there is a tiny bit of good news &#8211; as of the New Year, California law prohibits an employer or prospective employer from using a credit report for employment purposes. [...]]]></description>
			<content:encoded><![CDATA[<p>Many clients who consult with me regarding bankruptcy worry about how a potential employer will view a bankruptcy on their credit report.  For those individuals, there is a tiny bit of good news &#8211; as of the New Year, California law prohibits an employer or prospective employer from using a credit report for employment purposes.  There are, however, notable exceptions, briefly:</p>
<ul>
<li>managerial positions;</li>
<li>positions with the Justice Department;</li>
<li>law enforcement positions,</li>
<li>a position for which the information contained in the report is required by some other law to be disclosed or obtained;</li>
<li>a position which involves regular access to bank or credit card information, social security numbers, and dates of birth;</li>
<li>a position involving making banking transactions and financial contracts for the employer;</li>
<li>jobs which involve access to confidential or proprietary information; and</li>
<li> a position that involves regular access to cash totaling ten thousand dollars or more of the employer, customer or client, such as a bank teller.</li>
</ul>
<p>The complete text of the new law is available on <a href="http://leginfo.ca.gov/pub/11-12/bill/asm/ab_0001-0050/ab_22_bill_20110920_enrolled.html">California&#8217;s Legislation website</a>.</p>
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		<title>Friday Funnies</title>
		<link>http://www.robinson-thatcher.com/2011/09/30/friday-funnies-2/</link>
		<comments>http://www.robinson-thatcher.com/2011/09/30/friday-funnies-2/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 18:55:06 +0000</pubDate>
		<dc:creator>SJR</dc:creator>
				<category><![CDATA[Friday Funnies]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=397</guid>
		<description><![CDATA[]]></description>
			<content:encoded><![CDATA[]]></content:encoded>
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		<title>Friday Funnies: Divorce Humor</title>
		<link>http://www.robinson-thatcher.com/2011/05/13/friday-funnies-divorce-humor/</link>
		<comments>http://www.robinson-thatcher.com/2011/05/13/friday-funnies-divorce-humor/#comments</comments>
		<pubDate>Fri, 13 May 2011 14:17:08 +0000</pubDate>
		<dc:creator>Laura Thatcher</dc:creator>
				<category><![CDATA[Family Law]]></category>
		<category><![CDATA[Friday Funnies]]></category>
		<category><![CDATA[Cost of Divorce]]></category>
		<category><![CDATA[Custody]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[Humor]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=393</guid>
		<description><![CDATA[If laughter is the best medicine, we hope to get you through your divorce healthier than when you started.]]></description>
			<content:encoded><![CDATA[<p>If laughter is the best medicine, we hope to get you through your divorce healthier than when you started.</p>
<p><a href="http://www.robinson-thatcher.com/wp-content/uploads/2011/05/20110513-071627.jpg"><img src="http://www.robinson-thatcher.com/wp-content/uploads/2011/05/20110513-071627.jpg" alt="20110513-071627.jpg" class="alignnone size-full" /></a></p>
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		<title>Friday Funnies: Out of the Mouths of Babes</title>
		<link>http://www.robinson-thatcher.com/2011/04/15/friday-funnies-out-of-the-mouths-of-babes/</link>
		<comments>http://www.robinson-thatcher.com/2011/04/15/friday-funnies-out-of-the-mouths-of-babes/#comments</comments>
		<pubDate>Fri, 15 Apr 2011 23:31:36 +0000</pubDate>
		<dc:creator>Laura Thatcher</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Friday Funnies]]></category>
		<category><![CDATA[Children]]></category>
		<category><![CDATA[Heirs]]></category>
		<category><![CDATA[wills]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=377</guid>
		<description><![CDATA[I found this comic strip, One Big Happy by Rick Detorie.  It&#8217;s fantastic! Out of the mouths of babes:]]></description>
			<content:encoded><![CDATA[<p>I found this comic strip, <a title="One Big Happy" href="http://www.creators.com/comics/one-big-happy.html" target="_blank">One Big Happy by Rick Detorie</a>.  It&#8217;s fantastic!</p>
<p>Out of the mouths of babes:</p>
<p><a href="http://www.robinson-thatcher.com/wp-content/uploads/2011/04/largeimagecrobh110412.gif"><img class="size-full wp-image-385 alignleft" title="largeimagecrobh110412" src="http://www.robinson-thatcher.com/wp-content/uploads/2011/04/largeimagecrobh110412.gif" alt="" width="600" height="182" /></a></p>
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		<title>Friday Funnies: Estate Planning Pitfalls</title>
		<link>http://www.robinson-thatcher.com/2011/04/08/friday-funnies/</link>
		<comments>http://www.robinson-thatcher.com/2011/04/08/friday-funnies/#comments</comments>
		<pubDate>Fri, 08 Apr 2011 17:53:43 +0000</pubDate>
		<dc:creator>Laura Thatcher</dc:creator>
				<category><![CDATA[Friday Funnies]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Lawyer Jokes]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=361</guid>
		<description><![CDATA[It&#8217;s been a busy couple of weeks here at Robinson &#8211; Thatcher, LLP.  Our motto is &#8220;Bringing Peace to Your Family&#8221;.  To that end, we strive to make your journey through the legal system as painless as possible.  We also work to keep the financial costs as reasonable as possible. So, when I saw this [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s been a busy couple of weeks here at Robinson &#8211; Thatcher, LLP.  Our motto is &#8220;Bringing Peace to Your Family&#8221;.  To that end, we strive to make your journey through the legal system as painless as possible.  We also work to keep the financial costs as reasonable as possible.</p>
<p>So, when I saw this joke, I knew we had to include in our Friday Funnies posts!</p>
<p><a href="http://www.robinson-thatcher.com/wp-content/uploads/2011/04/shark.jpg"><img class="alignleft size-full wp-image-369" title="shark" src="http://www.robinson-thatcher.com/wp-content/uploads/2011/04/shark.jpg" alt="" width="96" height="80" /></a>A woman walked into her attorney’s office asking for an estate  plan.  He said he would be happy to assist her, but he required a $5,000  retainer.  She wrote the check and gave it to him.  He thanked her and  asked her to tell him about her estate.  She replied, “You just took  it.”</p>
<p><em>From “<a href="http://www.amazon.com/Complete-Wills-Estates-Trusts-Third/dp/0805078886/ref=sr_1_1?ie=UTF8&amp;qid=1287363113&amp;sr=8-1" target="_blank">The Complete Book of Wills, Estates &amp; Trusts</a>” by Alexander A. Bove, Jr., Esq.</em></p>
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		<title>Friday Funnies:  A Contractor in Heaven</title>
		<link>http://www.robinson-thatcher.com/2011/03/05/a-contractor-in-heaven/</link>
		<comments>http://www.robinson-thatcher.com/2011/03/05/a-contractor-in-heaven/#comments</comments>
		<pubDate>Sat, 05 Mar 2011 13:30:26 +0000</pubDate>
		<dc:creator>Laura Thatcher</dc:creator>
				<category><![CDATA[Construction]]></category>
		<category><![CDATA[Friday Funnies]]></category>
		<category><![CDATA[construction humor]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=334</guid>
		<description><![CDATA[I found this joke on the Chanen Corp website. A CONTRACTOR IN HEAVEN A contractor dies on a fishing accident on his 40th birthday and finds himself greeted at the Pearly Gates by a brass band. Saint Peter runs over, shakes his hand and says &#8220;Congratulations!&#8221; &#8220;Congratulations for what?&#8221; asks the contractor. &#8220;Congratulations for what?&#8221; [...]]]></description>
			<content:encoded><![CDATA[<p>I found this joke on the <a href="http://www.chanen.com/humor.htm" target="_blank">Chanen Corp</a> website.</p>
<p>A CONTRACTOR IN HEAVEN<a href="http://www.robinson-thatcher.com/wp-content/uploads/2011/03/Contractor.jpg"><img class="alignright size-thumbnail wp-image-351" title="Contractor" src="http://www.robinson-thatcher.com/wp-content/uploads/2011/03/Contractor-150x150.jpg" alt="" width="150" height="150" /></a></p>
<p>A contractor dies on a fishing accident on his 40th birthday and finds himself greeted at the Pearly Gates by a brass band.</p>
<p>Saint Peter runs over, shakes his hand and says &#8220;Congratulations!&#8221;</p>
<p>&#8220;Congratulations for what?&#8221; asks the contractor.</p>
<p>&#8220;Congratulations for what?&#8221; says Saint Peter. &#8220;We are celebrating the fact that you lived to be 160 years old.&#8221;</p>
<p>&#8220;But that&#8217;s not true,&#8221; says the consultant. &#8220;I only lived to be forty.&#8221;</p>
<p>&#8220;That&#8217;s impossible,&#8221; says Saint Peter, &#8220;we added up your time sheets.&#8221;</p>
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		<title>Friday Funnies: Living Will Humor</title>
		<link>http://www.robinson-thatcher.com/2011/03/04/friday-funnies-living-will-humor/</link>
		<comments>http://www.robinson-thatcher.com/2011/03/04/friday-funnies-living-will-humor/#comments</comments>
		<pubDate>Fri, 04 Mar 2011 14:41:36 +0000</pubDate>
		<dc:creator>Laura Thatcher</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Friday Funnies]]></category>
		<category><![CDATA[Humor]]></category>
		<category><![CDATA[Living Will]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=326</guid>
		<description><![CDATA[Friday Funnies -- Maxine's Living Will]]></description>
			<content:encoded><![CDATA[<p>A while ago, I started posting humorous bits on our <a href="https://www.facebook.com/RobinsonThatcher">Facebook</a> page as Friday Friday Funnies.   After my Aunt passed away suddenly, I fell out of that habit.</p>
<p>The practice of law (especially a family-oriented practice like Robinson &#8211; Thatcher, LLP) is so frequently filled with such emotionally draining issues like divorce, custody battles and bankruptcy) that I decided to bring back the Friday Funnies on a slightly bigger scale.   Instead of limiting my post to <a href="https://www.facebook.com/RobinsonThatcher">Facebook</a>, I&#8217;m bringing it to the Robinson &#8211; Thatcher blog as a whole.  So tune in on Fridays for a little bit of levity.</p>
<p>For the first post in this feature, I thought I would put up a tried and true bit of humor that I found around the web.  Thanks to Maxine for the image.  I think my Aunt Julie would have got a kick out of it &#8211;  she was always the life of the party.</p>
<p style="text-align: center;"><a href="http://www.robinson-thatcher.com/wp-content/uploads/2011/03/Maxine-Living-Will.jpg"><img class="size-full wp-image-327 aligncenter" title="Maxine Living Will" src="http://www.robinson-thatcher.com/wp-content/uploads/2011/03/Maxine-Living-Will.jpg" alt="" width="491" height="308" /></a></p>
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		<title>Considering Bankruptcy? You Have Lots of Company As Consumer Bankruptcies Continue To Rise</title>
		<link>http://www.robinson-thatcher.com/2011/02/02/considering-bankruptcy-you-have-lots-of-company-as-consumer-bankruptcies-continue-to-rise/</link>
		<comments>http://www.robinson-thatcher.com/2011/02/02/considering-bankruptcy-you-have-lots-of-company-as-consumer-bankruptcies-continue-to-rise/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 19:31:48 +0000</pubDate>
		<dc:creator>SJR</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=298</guid>
		<description><![CDATA[  If you think you may need to file bankruptcy, you’ve got lots of company. According the Bankruptcy Data Project at Harvard University, during calendar year 2009, 1,016,105 individual Chapter 7 petitions were filed. In 2010, the figure climbed to 1,101,534. Most Chapter 7 individual petitions were filed by people who primarily had consumer debt. [...]]]></description>
			<content:encoded><![CDATA[<p> </p>
<p><strong>If you think you may need to file bankruptcy, you’ve got lots of company.<a href="http://www.robinson-thatcher.com/wp-content/uploads/2011/02/bk-stress.jpg"><img class="alignright size-thumbnail wp-image-301" title="Financial Stress" src="http://www.robinson-thatcher.com/wp-content/uploads/2011/02/bk-stress-150x150.jpg" alt="" width="150" height="150" /></a></strong></p>
<p>According the <a href="http://bdp.law.harvard.edu/filingsdb.cfm" target="_blank">Bankruptcy Data Project</a> at Harvard University, during calendar year 2009, 1,016,105 individual Chapter 7 petitions were filed. In 2010, the figure climbed to 1,101,534. Most Chapter 7 individual petitions were filed by people who primarily had consumer debt. In a Chapter 7 bankruptcy, a debtor’s assets are liquidated and the nonexempt proceeds are distributed to creditors. With California’s unemployment crisis continuing, it seems likely the figure will continue to rise in 2011. The following are some common reasons people end up needing to file bankruptcy.</p>
<div>
<p><span style="text-decoration: underline;"><a href="http://www.robinson-thatcher.com/wp-content/uploads/2011/02/knotted-dollar.jpg"><img class="alignleft size-thumbnail wp-image-302" title="knotted dollar" src="http://www.robinson-thatcher.com/wp-content/uploads/2011/02/knotted-dollar-150x150.jpg" alt="" width="150" height="150" /></a>Medical Expenses</span></p>
<p>Catastrophic illness or injury can lead to unbelievably ridiculous medical expenses.  A study done at Harvard University indicates that medical expense debt is the biggest cause of bankruptcy, representing 62% of all personal bankruptcies. </p>
<p><span style="text-decoration: underline;">Job Loss</span></p>
<p>As the saying goes, the bills won’t pay themselves. Most people do not have a large enough emergency fund to support them for an extended period of time while between jobs.  Unemployment and severance pay (if you are lucky enough to get it) may keep a roof over your head and food on the table, but precious little is left for any other expenses, such as credit card bills that accumulated while you had a steady job.  Even after finding a new job, many people are just too far behind to catch up.</p>
<p><span style="text-decoration: underline;">Divorce/Separation</span></p>
<p>Marital dissolutions can cause financial strain.  Rather than pooling assets and income, the former partners must now support two households with the same income.  Legal fees, alimony and child support payments can add to this strain.  Filing a bankruptcy is a common way to eliminate community debts, so that the former partners can start new lives unburdened by old debt.</p>
<p>Ultimately, there are many reasons people file bankruptcy.  If you are in financial crises, speaking to a local bankruptcy law attorney will help you to clarify your options.  In Los Angeles, Robinson-Thatcher, LLP is here to help.  If you are considering filing for bankruptcy, please contact <a href="mailto:sjr@robinson-thatcher.com?subject=Consultation%20Request">Sarah Jane Robinson</a></p>
</div>
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		<title>Lessons Learned</title>
		<link>http://www.robinson-thatcher.com/2010/12/31/lessons-learned/</link>
		<comments>http://www.robinson-thatcher.com/2010/12/31/lessons-learned/#comments</comments>
		<pubDate>Fri, 31 Dec 2010 18:25:08 +0000</pubDate>
		<dc:creator>Laura Thatcher</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Advance Health Care Directive]]></category>
		<category><![CDATA[Elder Care]]></category>
		<category><![CDATA[Living Trust]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>

		<guid isPermaLink="false">http://www.robinson-thatcher.com/?p=287</guid>
		<description><![CDATA[Lessons I learned from my dad's illness and planning.]]></description>
			<content:encoded><![CDATA[<p>Following on the heels of the New Year are two very important dates in my life.   The first is my birthday, the second is the anniversary of my father&#8217;s death, just two days later.   One of the very last things my dad said in his life was &#8220;Happy Birthday&#8221; to me.  So, at this time of year, when we are all making resolutions (or better yet, goals) for the new year, I tend to reflect on my dad and the example he set for my life.</p>
<p><a href="http://www.robinson-thatcher.com/wp-content/uploads/2010/12/VisitingAngels_104188_BS.gif"><img class="size-full wp-image-290 alignleft" title="VisitingAngels_104188_BS" src="http://www.robinson-thatcher.com/wp-content/uploads/2010/12/VisitingAngels_104188_BS.gif" alt="" width="78" height="40" /></a>With that frame of mind, when I recently read an <a href="http://seattletimes.nwsource.com/html/localnews/2013650485_seniors12.html" target="_blank">article on the importance of elder care</a>, and selecting the <a href="http://www.davisinhomecare.com/" target="_blank">right provider</a>, it started me thinking about my dad&#8217;s illness and the lessons I learned from the examples he and my mom set.</p>
<h2><span style="color: #333399;">Living Trust</span></h2>
<p>My parents had a &#8220;living&#8221; trust to take care of the financial aspects of death.  I previously discussed Living Trusts and other necessary estate planning documents, <a href="http://www.robinson-thatcher.com/2009/10/05/estate-planning-documents/" target="_blank">here</a>.</p>
<h2><span style="color: #000080;">Advance Health Care Directives</span></h2>
<p>My both my mom and dad had advance care directives and medial peers of attorney allowing each other to make necessary medical care decisions.  Just as important as having the legal documents in place, my parents discussed their wishes with each other (and me).</p>
<p>Before giving someone the power to make decisions on your behalf, make sure that person knows how YOU would make the decisions.</p>
<h2><span style="color: #000080;">Long Term Care Insurance<a title="Long Term Care Insurance" href="http://www.robinson-thatcher.com/wp-content/uploads/2010/12/buy-long-term-care-insurance-200X200.jpg"><img class="alignright size-thumbnail wp-image-289" style="margin: 12px;" title="buy-long-term-care-insurance-200X200" src="http://www.robinson-thatcher.com/wp-content/uploads/2010/12/buy-long-term-care-insurance-200X200-150x150.jpg" alt="" width="150" height="150" /></a></span></h2>
<p>My parents invested in long term care insurance.  This insurance became vital in my dad&#8217;s illness.  When they first purchased the insurance, I thought it was a great idea to help me when it came time to paying for a nursing home for them!</p>
<p>As it turned out, they needed the insurance sooner than expected, because my father passed away when he was only 65 (in no sense of the word was my father &#8220;elderly&#8221;). However, he did fight a ten year battle with cancer.  When we learned that the cancer has spread to his lungs and liver and that the chemotherapy was more likely to kill him than save him, dad insisted on coming home (despite the fact that most of the hospital staff thought he should go to a rehab facility or nursing home).</p>
<p>Dad was too weak and ill to care for himself, my mom arranged for his care through a combination of hospice care and a wonderful in home care provider <a href="http://www.visitingangels.com/orlandofl/" target="_blank">Visiting Angels</a> in Orlando, FL.   As you might imagine, 24 hour, <a href="http://http://www.davisinhomecare.com/" target="_blank">in home care</a> can be costly.   Although, medicare covered some of the expense, my mom was able to pay for Dad&#8217;s care because she and my dad had the foresight to invest in long term care insurance.</p>
<p>At Robinson &#8211; Thatcher, LLP our mission is to bring peace to your family.  Part of that mission is to ensure that our clients, friends, and neighbors have the necessary tools in place to enable their peace of mind knowing that their families are taken are of as they would wish.</p>
<p>Wishing you peace.</p>
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