The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

A Fragile Balance examines strategies to promote emergency savings, especially among underserved households. Each chapter is by an expert contributor and proposes an innovative financial product or service designed to bolster emergency savings among low-asset families. This collection also offers readers insights into the role of emergency savings and mechanisms to facilitate savings behaviors, and raises critical questions of the scale, institutional capacity, sustainability, accessibility, and effectiveness of existing programs.

Is this the year you’re finally going to be consumer debt-free? Does lifestyle creep keep stealing your salary increase? Does FOMO keep throwing a curveball at your budget? Don't worry, there's hope! In this part-memoir, part-how to, the author shares: - How she eradicated consumer debts at 27 as an expatriate in the UAE - How credit cards perpetuated her overspending and how she turned it around - How mindset change became the foundation of her debt-free journey This book takes a light-hearted approach to personal finance, making it a fun and enjoyable read. As a self-professed personal finance geek, Rian gives insight on how to: - Become debt-free and achieve financial freedom - Change how you use your credit card to your advantage - Travel without worrying about debt - Pay for insurance premiums with ease - Save for a home or car deposit without feeling deprived If you've tried eliminating all your debts before but found yourself buried in them again, Rian will walk you through simple yet effective practices that will help you: - Pay and close your multiple credit card debts - Leverage a personal loan to build an income-producing asset - Prepare for a mortgage or car financing - Build sinking funds for travel, rent, emergency fund, gifts, and other big recurring expenses - Analyse your expenses and remove "expense bloaters" - Adopt a zero-based budgeting scheme for you and your household - Avoid get-rich-quick schemes that can leave you even more in debt This book is a must-read for anyone looking to take control of their finances and become debt-free. Read now!

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