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Wilkie said that he could not ascertain how genuine the allegations were but believed it was serious enough for it to be made public and demands a thorough investigation. The former employees allege that Crown Melbourne adjusted pokie machine buttons and had them pressed down to ensure that bets were continuously generated which is a violation of state gaming laws. They also allege that the casino had purposely disabled certain pokie machine buttons to limit the choice of the player from deciding how much they could wager.

They state that the Victorian Commission for Gambling and Liquor Regulation was made aware of these charges and they had ordered Crown Melbourne to fix it but did not take any disciplinary action against the casino. The whistleblowers also allege that Crown Resorts did not take sufficient action to stop intoxication and drug use.

Many casinos across the globe often serve free liquor to VIP players to get them intoxicated before they start gambling as they tend to bet recklessly and spend heavily. The whistleblowers also stated that Crown Melbourne failed to report all violent incidents that took place at the casino. Crown Resorts decided to drop all international plans of expansion after its employees were arrested in China and closed down a number of offices across the world. The company stated that its new plan was to focus on its domestic market and boost revenues across its casino properties in Australia.

These allegations and a potential investigation will hurt its domestic market as Crown Resorts operates 2, pokie machines in Melbourne and is licensed to operate 2, pokie machines in Perth. Crown Resorts released a statement and has denied all allegations. The company has also asked legislator Andrew Wilkie to provide evidence of these allegations at the earliest.

Crown Resorts tried to salvage things by completely revamping its plans and focusing on its domestic market. Aussie Millions Begins on January Another important reason to use power of attorney is to prepare for situations when you may not be able to act on your own behalf due to absence or incapacity.

Such a disability may be temporary e. If you do not have a power of attorney and become unable to manage your personal or business affairs, it may become necessary for a court to appoint one or more people to act for you.

People appointed in this manner are referred to as guardians, conservators, or committees, depending upon your local state law. If a court proceeding, sometimes known as intervention, is needed, than you may not have the ability to choose the person who will act for you.

With A power of attorney, you choose who will act and define their authority and its limits, if any. You may wish to choose a family member to act on your behalf. Many people name their spouses or one or more children. In naming more than one person to act as agent at the same time, be alert to the possibility that all may not be available to act when needed, or they may not agree.

The designation of co-agents should indicate whether you wish to have the majority act in the absence of full availability and agreement. You should name a successor agent to address the possibility that the person you name as agent may be unavailable or unable to act when the time comes. There are no special qualifications necessary for someone to act as an attorney-in-fact except that the person must not be a minor or otherwise incapacitated. The best choice is someone you trust.

Assume Elvis Presley appoints his wife, Priscilla Beaulieu Presley, as his agent in a written power of attorney. Priscilla, as agent, must sign as follows: In addition to managing your day-to-day financial affairs, your attorney-in-fact can take steps to implement your estate plan.

Although an agent cannot revise your will on your behalf, some jurisdictions permit an attorney-in-fact to create or amend trusts for you during your lifetime, or to transfer your assets to trusts you created. It is prudent to include in the power of attorney a clear statement of whether you wish your agent to have these powers. Gifts are an important tool for many estate plans, and your attorney-in-fact can make gifts on your behalf, subject to guidelines that you set forth in your power of attorney.

It is important that the law firm Chuff and Kosierowski who prepares your power of attorney draft the document in a way that does not expose your attorney-in-fact to unintended estate tax consequences.

While some states permit attorneys-in-fact to make gifts as a matter of statute, others require explicit authorization in the power of attorney. Beyond the ability to make gifts on your behalf, many aspects of a power of attorney are governed by state law. Generally, the law of the state in which you reside at the time you sign a power of attorney will govern the powers and actions of the agent s under that document.

Generally, a power of attorney that is valid when you sign it will remain valid even if you change your state of residence. Although it should not be necessary to sign a new power of attorney merely because you have moved to a new state, it is a good idea to take the opportunity to update your power of attorney. Some states used to require renewal of powers of attorney for continuing validity. Today, most states permit a "durable" power of attorney that remains valid once signed until you die or revoke the document.

However, you should periodically meet with your lawyer to revisit a power of attorney and consider whether your choice of agent still meets your needs and learn whether developments in state law affect your power of attorney.

Most commonly, this situation occurs either because you are unconscious or because your mental state is such that you do not have the legal capacity to make your own decisions.

Normally, a single individual is appointed as your health care power of attorney, though quite commonly one or more alternate persons are designated in the event your first choice agent is unavailable. As with the living will, medical professionals will make the initial determination as to whether or not you have the capacity to make your own medical treatment decisions. The health care power of attorney is a durable power of attorney specifically designed to cover medical treatment.

As with living wills, depending on your state of residence, it may be a state-determined form or may be drafted individually by your attorney. Why Have Health Directives? Regardless of the name your state gives to these documents, their purpose is to allow you to express your preferences concerning medical treatment at the end of your life.

By expressing such preferences in a written legal document, you are ensuring that your preferences are made known. Physicians prefer these documents because they provide a written expression from you as to your medical care and designate for the physician the person he or she should consult concerning unanswered medical questions. Rather than the physician having to obtain a consensus answer from your family as to your treatment, the physician knows your preferences and knows who you want to provide decisions when you cannot do so.

These documents provide your expressed wishes, rather than making the family guess your desires. Making your wishes known in advance prevents family members from making such choices at what is likely one of the most stressful times in their lives.

Further, providing such information and designating a health care proxy means that the physician knows whose direction is to be followed in the event your family disagrees as to what medical treatment you would want. Living Wills A living will is your written expression of how you want to be treated in certain medical conditions. Depending on state law, this document may permit you to express whether or not you wish to be given life-sustaining treatments in the event you are terminally ill or injured, to decide in advance whether you wish to be provided food and water via intravenous devices "tube feeding" , and to give other medical directions that impact the end of life.

A living will applies in situations where the decision to use such treatments may prolong your life for a limited period of time and not obtaining such treatment would result in your death. It does not mean that medical professionals would deny you pain medications and other treatments that would relieve pain or otherwise make you more comfortable. Living wills do not determine your medical treatment in situations that do not affect your continued life, such as routine medical treatment and non life-threatening medical conditions.

Most states permit you to include other medical directions that you wish your physicians to be aware of regarding the types of treatment you do or do not wish to receive. Organ and Tissue Donation In many states you can include in your advance directive your preference to become an organ or tissue donor at the time of death. State law varies, and you should check with your attorney.

Even if your state is one in which your driver's license contains an organ or tissue donor statement, you need to express this by letting your health care proxy, your family, and your physician know your desire to become a donor.

In some states you also need to be registered as an organ and tissue donor. Communication is the Key Many people prefer to keep their legal documents private. With end of life issues, however, communicating your wishes is essential. An advance health care directive is the first step in this process. But, you also need to discuss your preferences with others.

Take the time to discuss these issues with the person you appoint as your health care proxy. Talk to your physician. Make sure your family knows how you feel about end of life issues. The more these individuals know, the easier it will be for them to fulfill your wishes. Jointly Owned Property If you own property with another person as joint tenants with right of survivorship , that is, not as tenants in common, the property will pass directly to the remaining joint tenant upon your death and will not be a part of your probate estate.

It will, however, be a part of your taxable estate. Frequently, people particularly in old age will cause bank accounts or securities to be placed in the name of the owner with one or more children or trusted friends as joint tenants with right of survivorship. This is sometimes done as a matter of convenience to give the joint tenant continuing access to accounts to pay bills. It is important to realize that the ownership of property in this fashion often leads to unexpected or unwanted results.

The planning built into a well-drawn will may be partially or completely thwarted by an inadvertently created joint tenancy that passes property to a beneficiary by operation of law, rather than under the terms of the will. Many of these problems are also applicable to institutional revocable trusts and "pay on death" forms of ownership of bank, broker, and mutual fund accounts and savings bonds.

Effective planning requires knowledge of the consequences of each property interest and technique. Trusts The term trust describes the holding of property by a trustee which may be one or more persons or a corporate trust company or bank in accordance with the provisions of a written trust instrument for the benefit of one or more persons called beneficiaries. A person may be both a trustee and a beneficiary of the same trust. A trust created by your will is called a testamentary trust and the trust provisions are contained in your will.

If you create a trust during your lifetime, you are described as the trust's grantor or settlor , the trust is called a living trust or inter vivos trust, and the trust provisions are contained in the trust agreement or declaration. The provisions of that trust document rather than your will or state law defaults will usually determine what happens to the property in the trust upon your death.

A living trust may be revocable subject to change and terminated by the settlor or irrevocable. Either type of trust may be designed to accomplish the purposes of property management, assistance to the settlor in the event of physical or mental incapacity, and disposition of property after the death of the settlor of the trust.

Trusts are not only for the wealthy. Many young parents with limited assets choose to create trusts either during life or in their wills for the benefit of their children in case both parents die before all their children have reached an age deemed by them to indicate sufficient maturity to handle property. This permits the trust estate to be held as a single undivided fund to be used for the support and education of minor children according to their respective needs, with eventual division of the trust among the children when the youngest has reached a specified age.

This type of arrangement has an obvious advantage over an inflexible division of property among children of different ages without regard to their level of maturity or individual needs at the time of such distribution. Annuities and Retirement Benefits You may be entitled to receive some type of retirement benefit under an employee benefit plan offered by your employer or have an Individual Retirement Account IRA. Typically, a deferred compensation or retirement benefit plan will provide for the payment of certain benefits to beneficiaries designated by the employee in the event of the employee's death before retirement age.

After retirement, the employee may elect a benefit option that will continue payments after his or her death to one or more of the designated beneficiaries.

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With A power of attorney, you choose who will act and define their authority and its limits, if any. You may wish to choose a family member to act on your behalf. Many people name their spouses or one or more children.

In naming more than one person to act as agent at the same time, be alert to the possibility that all may not be available to act when needed, or they may not agree. The designation of co-agents should indicate whether you wish to have the majority act in the absence of full availability and agreement. You should name a successor agent to address the possibility that the person you name as agent may be unavailable or unable to act when the time comes. There are no special qualifications necessary for someone to act as an attorney-in-fact except that the person must not be a minor or otherwise incapacitated.

The best choice is someone you trust. Assume Elvis Presley appoints his wife, Priscilla Beaulieu Presley, as his agent in a written power of attorney.

Priscilla, as agent, must sign as follows: In addition to managing your day-to-day financial affairs, your attorney-in-fact can take steps to implement your estate plan. Although an agent cannot revise your will on your behalf, some jurisdictions permit an attorney-in-fact to create or amend trusts for you during your lifetime, or to transfer your assets to trusts you created. It is prudent to include in the power of attorney a clear statement of whether you wish your agent to have these powers.

Gifts are an important tool for many estate plans, and your attorney-in-fact can make gifts on your behalf, subject to guidelines that you set forth in your power of attorney.

It is important that the law firm Chuff and Kosierowski who prepares your power of attorney draft the document in a way that does not expose your attorney-in-fact to unintended estate tax consequences. While some states permit attorneys-in-fact to make gifts as a matter of statute, others require explicit authorization in the power of attorney. Beyond the ability to make gifts on your behalf, many aspects of a power of attorney are governed by state law.

Generally, the law of the state in which you reside at the time you sign a power of attorney will govern the powers and actions of the agent s under that document. Generally, a power of attorney that is valid when you sign it will remain valid even if you change your state of residence.

Although it should not be necessary to sign a new power of attorney merely because you have moved to a new state, it is a good idea to take the opportunity to update your power of attorney.

Some states used to require renewal of powers of attorney for continuing validity. Today, most states permit a "durable" power of attorney that remains valid once signed until you die or revoke the document.

However, you should periodically meet with your lawyer to revisit a power of attorney and consider whether your choice of agent still meets your needs and learn whether developments in state law affect your power of attorney.

Most commonly, this situation occurs either because you are unconscious or because your mental state is such that you do not have the legal capacity to make your own decisions.

Normally, a single individual is appointed as your health care power of attorney, though quite commonly one or more alternate persons are designated in the event your first choice agent is unavailable. As with the living will, medical professionals will make the initial determination as to whether or not you have the capacity to make your own medical treatment decisions.

The health care power of attorney is a durable power of attorney specifically designed to cover medical treatment. As with living wills, depending on your state of residence, it may be a state-determined form or may be drafted individually by your attorney.

Why Have Health Directives? Regardless of the name your state gives to these documents, their purpose is to allow you to express your preferences concerning medical treatment at the end of your life. By expressing such preferences in a written legal document, you are ensuring that your preferences are made known.

Physicians prefer these documents because they provide a written expression from you as to your medical care and designate for the physician the person he or she should consult concerning unanswered medical questions.

Rather than the physician having to obtain a consensus answer from your family as to your treatment, the physician knows your preferences and knows who you want to provide decisions when you cannot do so.

These documents provide your expressed wishes, rather than making the family guess your desires. Making your wishes known in advance prevents family members from making such choices at what is likely one of the most stressful times in their lives. Further, providing such information and designating a health care proxy means that the physician knows whose direction is to be followed in the event your family disagrees as to what medical treatment you would want.

Living Wills A living will is your written expression of how you want to be treated in certain medical conditions. Depending on state law, this document may permit you to express whether or not you wish to be given life-sustaining treatments in the event you are terminally ill or injured, to decide in advance whether you wish to be provided food and water via intravenous devices "tube feeding" , and to give other medical directions that impact the end of life.

A living will applies in situations where the decision to use such treatments may prolong your life for a limited period of time and not obtaining such treatment would result in your death.

It does not mean that medical professionals would deny you pain medications and other treatments that would relieve pain or otherwise make you more comfortable.

Living wills do not determine your medical treatment in situations that do not affect your continued life, such as routine medical treatment and non life-threatening medical conditions. Most states permit you to include other medical directions that you wish your physicians to be aware of regarding the types of treatment you do or do not wish to receive.

Organ and Tissue Donation In many states you can include in your advance directive your preference to become an organ or tissue donor at the time of death. State law varies, and you should check with your attorney. Even if your state is one in which your driver's license contains an organ or tissue donor statement, you need to express this by letting your health care proxy, your family, and your physician know your desire to become a donor. In some states you also need to be registered as an organ and tissue donor.

Communication is the Key Many people prefer to keep their legal documents private. With end of life issues, however, communicating your wishes is essential. An advance health care directive is the first step in this process. But, you also need to discuss your preferences with others. Take the time to discuss these issues with the person you appoint as your health care proxy. Talk to your physician. Make sure your family knows how you feel about end of life issues.

The more these individuals know, the easier it will be for them to fulfill your wishes. Jointly Owned Property If you own property with another person as joint tenants with right of survivorship , that is, not as tenants in common, the property will pass directly to the remaining joint tenant upon your death and will not be a part of your probate estate. It will, however, be a part of your taxable estate.

Frequently, people particularly in old age will cause bank accounts or securities to be placed in the name of the owner with one or more children or trusted friends as joint tenants with right of survivorship.

This is sometimes done as a matter of convenience to give the joint tenant continuing access to accounts to pay bills. It is important to realize that the ownership of property in this fashion often leads to unexpected or unwanted results.

The planning built into a well-drawn will may be partially or completely thwarted by an inadvertently created joint tenancy that passes property to a beneficiary by operation of law, rather than under the terms of the will.

Many of these problems are also applicable to institutional revocable trusts and "pay on death" forms of ownership of bank, broker, and mutual fund accounts and savings bonds. Effective planning requires knowledge of the consequences of each property interest and technique. Trusts The term trust describes the holding of property by a trustee which may be one or more persons or a corporate trust company or bank in accordance with the provisions of a written trust instrument for the benefit of one or more persons called beneficiaries.

A person may be both a trustee and a beneficiary of the same trust. A trust created by your will is called a testamentary trust and the trust provisions are contained in your will. If you create a trust during your lifetime, you are described as the trust's grantor or settlor , the trust is called a living trust or inter vivos trust, and the trust provisions are contained in the trust agreement or declaration.

The provisions of that trust document rather than your will or state law defaults will usually determine what happens to the property in the trust upon your death. A living trust may be revocable subject to change and terminated by the settlor or irrevocable. Either type of trust may be designed to accomplish the purposes of property management, assistance to the settlor in the event of physical or mental incapacity, and disposition of property after the death of the settlor of the trust.

Trusts are not only for the wealthy. Many young parents with limited assets choose to create trusts either during life or in their wills for the benefit of their children in case both parents die before all their children have reached an age deemed by them to indicate sufficient maturity to handle property. This permits the trust estate to be held as a single undivided fund to be used for the support and education of minor children according to their respective needs, with eventual division of the trust among the children when the youngest has reached a specified age.

This type of arrangement has an obvious advantage over an inflexible division of property among children of different ages without regard to their level of maturity or individual needs at the time of such distribution. Annuities and Retirement Benefits You may be entitled to receive some type of retirement benefit under an employee benefit plan offered by your employer or have an Individual Retirement Account IRA. Typically, a deferred compensation or retirement benefit plan will provide for the payment of certain benefits to beneficiaries designated by the employee in the event of the employee's death before retirement age.

After retirement, the employee may elect a benefit option that will continue payments after his or her death to one or more of the designated beneficiaries. Certain spousal annuities are mandated by law and may be waived only with the spouse's properly witnessed signed consent.

The various payment options will be treated differently for tax purposes. Any person entitled to retirement benefits should seek competent advice as to the payment options available under his or her retirement plan and the tax consequences of each. Life Insurance If you own life insurance on your own life, you may either. If the insurance proceeds are payable to your estate, they will be distributed as part of the general estate in accordance with the terms of your will or, if you die without a will, the distribution will be according to the applicable laws of intestate succession.

They state that the Victorian Commission for Gambling and Liquor Regulation was made aware of these charges and they had ordered Crown Melbourne to fix it but did not take any disciplinary action against the casino. The whistleblowers also allege that Crown Resorts did not take sufficient action to stop intoxication and drug use. Many casinos across the globe often serve free liquor to VIP players to get them intoxicated before they start gambling as they tend to bet recklessly and spend heavily.

The whistleblowers also stated that Crown Melbourne failed to report all violent incidents that took place at the casino. Crown Resorts decided to drop all international plans of expansion after its employees were arrested in China and closed down a number of offices across the world.

The company stated that its new plan was to focus on its domestic market and boost revenues across its casino properties in Australia.

These allegations and a potential investigation will hurt its domestic market as Crown Resorts operates 2, pokie machines in Melbourne and is licensed to operate 2, pokie machines in Perth. Crown Resorts released a statement and has denied all allegations. The company has also asked legislator Andrew Wilkie to provide evidence of these allegations at the earliest. Crown Resorts tried to salvage things by completely revamping its plans and focusing on its domestic market.

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