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It is interesting to compare and contrast the approach of the UAE Central Bank to the global economic crisis with that of the Federal Reserve and Bank of England.
Local bank interest rates have been allowed to rise in the UAE because the real estate boom had gotten out [...]
This is a good question. I'm not sure that we will see any significant or meaningful shift toward the Delaware Statutory Trusts, but I think there will be some obvious change in direction toward the Delaware Statutory Trust or DST.
Delaware Statutory Trusts
Delaware Statutory Trusts are another form of fractionalized real property ownership for investors coming out of a 1031 exchange t
In a recent surprise ruling by the United States Tax Court, the US Tax Court held that the taxpayers could defer the payment of their capital gain taxes through the transfer of appreciated property in exchange for a Private Annuity Trust. However, the structure in this particular case was different than the Private Annuity Trust structure that was more commonly used.
Tax Court Memorand
Title Holding Trust Webinar
Please join us for a Title Holding Trust webinar on the benefits and advantages of acquiring, holding and disposing of California real estate or any personal property in a Title Holding Trust or often referred to as a Land Trust. Learn how to own California real estate in a confidential and private manner. Learn how to protect yourself from fellow invesors t
Title Holding Trusts to be Discussed on News and Talk Radio AM 600 KOGO San Diego
The pros and cons of buying, holding and selling real estate through a Title Holding Trust or land trust, especially for confidentiality and privacy of ownership, will be discussed by William L. Exeter, president and chief executive officer, Exeter Fiduciary Services, LLC (an affiliate of Exeter 1031 E
Trusts play a big part in estate planning. What you don’t know about them can hurt you and your beneficiaries’ financial health and possibly your own.
A trust is a legal entity - just like a corporation or a person. It holds assets for a beneficiary. The beneficiary could be you or another person. A trust [...]
Those who own businesses, corporations, and/or commercial or residential investment real property, personal property or other highly appreciated assets are often reluctant to sell the asset because of significant capital gain taxes that will be due upon the sale of the asset.
Taxpayers do not always want to structure a 1031 exchange; they may not wish to reinvest their proceeds, but they also do n
THE financial markets maelstrom has turned retirees such as Mr T.P. Wong, 57, into a 'bundle of nerves'.He is sitting on paper losses of about $20,000 so far this year - even though he has avoided investing in the stock market directly. He had invested in eight unit trusts, thinking that they are safer than stocks because they are diversified and managed professionally. The returns of his unit tru
Amendment to Section 20 of the Indian Trusts Act, 1882 (2 of 1882) which relates to investment of trust money has been approved by the Cabinet today. A Bill will be introduced in the ensuing Session of Parliament.
In accordance with this section, where the trust property consists of money and...
When you’re ready to talk, Ms. Tiffanie Davis is ready to listen. Originally from Charlotte, NC, Tiffanie Davis moved to Atlanta in 1998. Ms. Davis obtained her Bachelor’s Degree in Psychology from the University of North Carolina at Charlotte and her Master’s Degree, specializing in Professional Counseling at Argosy University.
Specializing in sex therapy has always [...]
Katrina Kaif is riding high on her last success ‘Singh is Kinng’, the actress apparently follows Akki into his projects because she believes in his knowledge about scripts and box-office.She says, “He has a fantastic script sense. And you know, when he’s doing it, it will work. Not that I go blindly into films that feature him. But, yes, he does have a fantastic knowledge of what works at
Barack Obama has aired a new ad accusing John McCain of favoring offshore asset protection trusts that operate as tax shelters in Bermuda. McCain is alleged to have taken $50,000 while on a lobbyist supported vacation from those who have benefited from the trusts. You can see the ad here, courtesy of the [...]
So Google calls it online business authority?
Basically, you have a ‘popular’ site a lot of other sites link to. Perhaps a site which has a lot of links from other online business authorities too. A OBA usually has a decent amount of traffic too. This is what Google calls it anyways.
Amazon has a lot of [...]
Statutory Trust Revocation May Reward Devious Spouses - Punish Sloppy Trust Drafting
It has long been settled that under California probate law, if the trust does not provide for an exclusive method of revocation, the settlors may revoke either by the method contained in the trust or by resort to procedures outlined under statutory revocation. [...]
Income trusts, real estate investment trusts, and royalty trusts are a form of entity know as a "flow through entity" because the cash flows generated in the trust are flowed through to the trust unit holders proportionately in the form they were received by the trust.
There are several Canadian royalty trusts which trade on the NYSE.Advantage Energy Income Fund (AAV), based in Calgary, currently yields 11%. Its monthly dividend payments have declined from $0.23/unit in 2004 to $0.12/unit in 2008.Baytex Energy Trust (BTE), also based in Calgary, currently yields 7.50%. Its monthly dividend payments have increased from $0.16/unit in 2006 to $0.20/unit in 2008.Ene
Seven weeks ago, I got a new puppy. I was thinking of a way to protect myself from Florida's Strict Liability for Dog Bites. Most states have a one free bite rule, but Florida does not and makes the owner...
Also known as royalty trusts, income funds and unit trusts, income trusts are a special type of investment vehicle that are traded on the stock exchanges and pay out on a regular basis to their unitholders. As far as I know, these are also a uniquely Canadian product (if anything similar to income trusts [...]
Clients and Colleagues:
I confronted another situation you should avoid. In order for a trust to own real estate in Georgia the deed cannot read John Smith Trust, dated January 1, 2008. It must read John Smith, Trustee, of the John Smith Trust, dated January 1, 2008. You want to make sure the property is owned [...]SHARETHIS.addEntry({ title: "Properly Titling Real Estate Held by Trusts", url:
The biggest advantage of making a living will is that it allows you to voice out your preferences on the subject of life support measures and other medical treatment options. Even though your family and friends may not hold the same philosophy about the matter, the creation of such a legal document gives you an opportunity to confer with them and explain your choices.Planning for the future basica
“You always improve with age,” claimed Raymond Domenech, who, four years into his reign as France coach, hopes to take Les Bleus one step further this summer than they managed at the 2006 FIFA World Cup. “Experience is helpful, but one competition is never the same as the next. I won’t know if this [...]
If you are strapped for cash, but have a little that you would like to invest in real estate, than the use of an REIT, or real estate investment trust, can help you gain an entrance to several different pieces of property at the same time. This article will give you some basics about this [...]
Are you interested in outstanding asset protection but uncomfortable about the costs and red flags of using offshore trusts? Then read on about Nevada's new onshore asset protection trust. Traditionally, creditor protection is afforded to beneficiaries of a trust through inclusion of a "spendthrift provision." Spendthrift provisions were developed to protect beneficiaries perceived to be unable
Question
“Can trusts go broke or dissipate or do they go on for years like General Electric ?”
Answer
Income Trusts are businesses just like any other vanilla corporation. And like any other business, they can go broke or dissipate, however this is rare occurrence. Income Trusts were created to avoid the double taxation system, wherein the same [...]
Public Storage (NYSE: PSA) is seeing some pressure this morning after earnings. Interestingly enough, its smaller counterpart U-Store-It Trust (NYSE: YSI) rose...
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In my prior article on trusts, What is a Trust? I discussed what a trust is and the basic elements to create a trust and the differences between trusts and estates. There are a variety of trusts mentioned by the Canada Revenue Agency's Trust Guide that meet varying needs of individuals and institutions. The focus of this article will be to discuss a category of trusts loosely referred to as personal trusts.
Marine groups and property trusts shine - Singapore
Smaller firms also gained from boom in construction, oil & gas industries
By CONRAD TAN
SHIPBUILDERS, property trusts and companies related to the construction and oil and gas industries mostly reported strong earnings growth in the first three months of the year, boosted by strong demand and high property prices.
K-Reit [...]
Florida Revocable Trust are useful estate planning tools, and they have an important place in many people's estate plans. If you find any one of the following benefits appealing, then a living trust may be appropriate for you. Benefit #1:...
About Wildlife Trusts:Ci sono 47 locali Wildlife Trusts in tutto il Regno Unito, l'Isola di Man e Alderney. Stiamo lavorando per un ambiente ricco di fauna selvatica per tutti.Con 726.000 membri, Wildlife Trust è la più grande organizzazione di volontariato del Regno Unito dedicato alla conservazione dell'intera gamma di habitat e specie, siano essi in campagna, in città o al mare. 135.000 dei nostri membri appartengono alla nostra succursale junior, Wildlife Watch.Gestiamo 2200 riserve naturali che coprono più di 84000 ettari; ci battiamo per la fauna selvatica.- La visione del Wildlife Trusts è la fauna selvatica :"Un ambiente ricco di fauna selvatica per tutti" - La missione del Wildlife Trusts è quello di:"Ricostruire la biodiversità e coinvolgere le persone con i
Terming Indian doctors as more talented than their western counterparts, Bollywood icon Amitabh Bachchan on Friday said he would prefer them treating him whenever he fell ill. "I trust Indian doctors and always prefer them treating me. The Indian doctors are doing wonders in the medical field and they are more talented compared to western doctors," Bachchan said here today, while spending time with a group of poor children, who had undergone free cardiac surgery at a private hospital. Lauding the hospital for performing the surgery free of cost, Bachchan donated Rs 11 lakhs as a goodwill gesture. Bachchan is in the city to participate in the audio release of Tamil actor Kamal Haasan’s new movie "Dasavathaaram".Del.Icio.Us Tags: Amitabh Bachchan trusts Indian Docto
A land trust is a little-known but highly effective way to shield your property from lawsuits and provide the utmost privacy.One of my good friends and business associates, Ramon M. Gonzalez, Esq., is an expert on this subject.So few people know about the possibility of holding property in land trusts that I wanted to help get the word out about -- especially in a town like this where there's such
Many pet owners think of their pets as part of their family. Legally pets are considered personal property like a car or jewelry. If you are sick, injured, or unable to care for your pet and have not planned ahead,...
Gerry Beyer, author of the Wills, Trusts & Estate Professors Blog has a post on his blog Becoming a "Pet Friendly" Estate Planner which points to an article he wrote in Legal Times. "Your Trust-worthy Pet" discusses the history of...
India is currently in the process of formulating legislation for the introduction of real estate investment trusts which will help individual investors enjoy the benefits of owning an interest in the securitised real estate market, an Indian economist and tax expert has said.Sanjiv K Chaudhary, executive director of Pricewaterhouse-Coopers (India) said the real estate investment trusts would be regulated by the Government of India as well as the Securities and Exchange Board of India (SEBI).“The Indian real estate sector is booming. Investors can benefit from this by forming part of the real estate investment trusts which will make investments in the sector through various tools,” Chaudhary said.He said another sector that would throw open incredible opportunities for investors includi
SINGAPORE: Once-booming real estate investment trusts in Singapore could face a round of mergers to weed out the weak who find it harder to raise money and refinance loans because of the global credit crisis.
At least six of 20 listed real estate investment trusts, or REITs, in Singapore are valued for less than what their properties are worth, as is the case with many trusts in Japan and Australia, which means expansion is being hurt by higher financing costs and investor returns are limited.
Some of the trusts will face higher interest payments when they need to refinance their debt soon, leading to lower earnings and distributions to investors.
"I would expect consolidation to gather pace in the course of the next six to 12 months," said Tony Darwell, head of Asian equity rese
The BAFTE will no longer accept a certificate of trust with a Form 1 or Form 4 application for the purchase of Class III items. According to the person in charge of reviewing all trusts, all applications without the declaration...
Overbuilding in some areas worries investors. For example, around 50 malls are being built in the New Delhi suburb of Gurgaon. With the information technology industry thriving, about 100 million square feet, or 9.3 million square meters, of office space is to be built over three years, equal to all the office blocks in Washington.An economy growing at about 9 percent a year has helped push up Mumbai office rents by a fifth in 12 months, but as new developments pop up in India's main cities, old areas can also quickly go out of fashion.
Generally a trust is viewed as a legal arrangement that assists a person in handling his money and property in such a way that aids others. There are numerous types of trusts and among them one can choose for the best trust that suites his personal circumstances and requirements. A living trust is a [...]
A trust is basically regarded as an arrangement which helps a person in managing and dealing his property and money with respect to other person's benefits. A living trust thus is a type of trust that is created during the lifetime of a person concerned. Different parties are involved in a living trust that [...]
MUMBAI: The Securities and Exchange Board of India (SEBI) on Friday proposed guidelines to regulate fund raising activities by Real Estate Investment Trusts (REITs).According to the draft regulations, REITs and real investment management companies will require mandatory registration with SEBI. The regulator has invited public comments on the draft by January 10.Under the proposed guidelines, REITs will not be allowed to launch any investment scheme without obtaining a rating from a credit rating agency and getting the scheme approved by an appraising agency.
It is no surprise that Restaurant Trusts haven’t been on many investor’s radar screen with the industry boosting a minuscule market cap of 1 Billion Dollars (or 997 million dollars to be exact), they are minuscule and illiquid compared to most companies in the income trust index and are easily overlooked by most investors. However [...]
I live in a state that is very unique. Half of the state has deeds of trusts, the others have mortgages. There are only a handful of states that use mortgages and the majority use the deed of trust. The major difference lies after a person defaults. With a mortgage, the laws are different and the owner can buy back the home after the auction for the default has occurred. While in a deed of trust the sale is the final piece to the house selling, which is why most states use it. I know that most people don't have to worry about the difference, but in states where both are used, which there are a few, it is important to know whether it is a mortgage or a deed of trust that a person is getting when they purchase a home.
The acronym for a real estate investment trust is a REIT. According to the National Institute of Real Estate Investment Trusts 190 Re Its are currently registered with the SEC and trade on one or more of the New York Stock Exchanges. There are over 900 REITS that are privately held companies.
It should also be remembered that REITs are available for nearly all of the world real estate markets. In many parts of the world, China, Asia, Europe and Dubai the real estate market in both commercial and residential income property is sizzling. There is stability in these parts of the world for some hefty returns for investors.
The overall purpose of the REIT envisioned by the U.S. Congress was to provide a means for investors and in turn the developers of real estate to mutually benefit from growth. It places the average investor in a position of being a big player with the benefit of a share of the profits. A small investment in a REIT can enhance a portfolio of stocks and bonds. Each inves
Few people know about a class of Canadian public companies that trade on the stock market called Royalty Trusts. They trade like normal stocks; however, Royalty Trusts is a special business entity in Canada which receives special tax breaks from the Canadian government. In exchange for these tax breaks, they are required by law to pay out at least 90% of all earnings to shareholders.
Canadian Royalty Trusts are created so that the dividends are taxed as personal income and the corporation is not taxed at the corporate level, therefore avoiding double taxation. This is a great income generator for investors as many of the Royalty Trusts are paying double digit dividends annually just by holding these stocks, whether the stock goes up or down.
Most Royalty Trusts are based on a revenue source for a specific asset(s) that the corporation owns. These assets are varied depending on the company and can be in such industries or sectors as mining (gold, uranium etc.), timber, oil and gas o
By: Garland Hodge Maytag dishwashers and other appliances are now owned by Whirlpool. These two well-known name brands are continuing a history of quality dishwashers. When Whirlpool began in 1911, its first home appliance was a motor driven wringer washing machine. At that time the company was called Upton Machine Company. In the 1950's, the name changed to Whirlpool and they were making dryers, washers, refrigerators, stoves, and air conditioners. By the 1980's the expansion led to buying KitchenAid and Roper brands. Their most recent acquisition is the Maytag brand.Maytag continues to have innovative new ideas in their dishwasher lines. Maytag has a new Jet Clean III dishwasher that boasts a three-rack loading system with an extra tall tub for larger loads and flexibly loading configurations. The cleaning performance is top-notch with four spray arms that deliver high-pressure water above and below each of the three racks. This means it has more spray jets than any other dishwashe
If you have been invested in the market recently then you have experience the major shock waves of highs and lows. Everyone is looking for the next big growth story, but what about a nice Capital...
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I came across an article by John Partridge while doing my daily read on Globe Investor and thought that it was worth sharing.SYNOPSIS:A U.S. couple is currently in the process of suing the Canadian government claiming that the 2006 unexpected changes to the income trust tax laws are in breach of the NAFTA agreement.To read the entire article please follow this link.
In conjunction with Sagemark Consulting, a division of Lincoln Financial Advisers, a registered investment adviser. Mr. Chazin is a regular contributor to PlannerConnect
Land “rich” and cash “poor.” That describes Jim and Angela in a nutshell. While they actually live quite comfortably on their professional incomes, they are getting closer to retirement age and are looking for ways to
These three strange concepts are tightly related and may make or break your deal.
Chain of Title is the real estate property ownership history. You may think that only current state of title is important, but in reality last couple years of ownership are important because of two words: mortgage fraud.
Here is the most common scenario of mortgage fraud. A scammer, mortgage broker and crooked appraiser work together to pull this off. Let’s say a scammer buys a house worth 100k, appraisal is done to show that house is worth 150k, mortgage broker falsifies documents and buyer from behind the interstate overpass is brought to the closing to sign the papers. The homeless buyer gets his $100 for troubles and $50k get split up by the 3 scammers. New mortgage never gets a single payment made and the house goes into foreclosure.
Banks are not dumb, after couple hundred cases like this they instituted a new requirement – Title Seasoning. What they saw is when house gets sold 2-3 times in a sh
A living trust is an arrangement by which you as the grantor place property in trust and name yourself or some other person as Trustee or Co-Trustee, but reserve the right to revoke the trust so that the property can be returned to you. Generally, the trust agreement provides that upon your death the property will go to the named beneficiaries. Why set up A Living Trust? The Advantages of the
Most mutual funds are set up in a trust structure, but for those of you who invest in mutual funds AND have non-registered investment accounts, you may want to look into Mutual Fund Corporations because they offer some interesting tax advantages. First off, this may seem like a technical, high-brow concept - but it is not that complicated in actuality. I'm going to give you the rundown first and then explain the how and why.A mutual fund trust and a mutual fund corporation behave and act in almost an identical fashion - each is just an investment portfolio managed on the behalf of many investors who pool their money together and give it to a mutual fund company. In fact more and more mutual fund companies are offering the same mutual fund as both a trust and as a corporation. The difference comes in the added tax advantages afforded by the mutual fund when setup as a mutual fund corporation. In essence, it allows for you to switch between funds of the sa
Whether FBT is applicable to Charitable Trusts? Kishan Lal Agarwal Section 115W(a)(iii) of the I T Act specifically exempts funds ,trusts or institution eligible for exemption u/s 10(23C) or...
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Bob Greene is Oprah’s personal trainer and a diet and fitness expert who makes frequent appearances on her show. The Best Life Diet is a subscription diet based on his new book. Subscribers have access to meal plans, workouts, videos, articles, a message board, and more!
The Best Life Diet by Bob Greene (2006) is the [...]
I was recently reading about setting up trust funds and thought I’d highlight this interesting trust structure. A bicycle trust is similar to traditional trusts except there are certain milestone and requirements that must be met by the beneficiaries. These milestones can be virtually anything ie-graduating university, turning 35, etc...So much like riding a bicycle you have to “pedal” to make it work. This is a great structure to ensure that your hard earned inheritance is being used in an appropriate and responsible manner. A properly thought out bicycle trust would ensure that if something did happen your 18 year old son couldn’t drop out of school and use the $300,000 trust fund to tour himself and his band around the country for a few years. Instead, the trust could be setup so that he’d receive $20,000 upon your death however, after that milestones would have to be met to receive more money, $15,000 after the first year of university, $15,000 after the second etc...If
Alright. Maybe I can fit a little sequel to the income trust series.
I’m not sure if anyone noticed, but there is a distinct divergence between prosperous and crummy trusts in the aftermath of the income trust tax ruling. The prosperous ones continued to flourish, while the crummy ones never quite recovered to their roaring days.
You heard of the old saying:
A rising tide lift all boats
As long as everyone was happy about receiving their 10+% yield, no one was questioning the sustainability of the underlying foundations that supported these yields. Alas, all good things must come to an end. The tide came and went. The Halloween upheaval exposed so many little elusive holes beneath some of the rottenest boats. The tax ruling announcement turned investors’ stomachs, and sure enough, most trusts retreated 15-20% the next morning.
As painful as it may be, I think Ottawa’s decision to plug the tax leakage was a blessing in disguise as it forced out the excess sp
One great reward about being a blogger is the new insights you gain from researching and presenting articles. It’s one thing to skim over the Internet for the lowdown of income trusts, but quite another to articulate them to an audience. So much to learn still despite spending a couple of evenings on O&G trusts. Well, this post wraps up my part on the income trusts series initiated by Thicken My Wallet. I hope you’re enjoying it so far.
Saving the worst for last, oil and gas trusts are probably the most provocative group of all.
O&G trusts are holding structures that own the right to royalties on the production of natural reserves. These trusts do not engage in explorations. Instead, they negotiate and buy royalties from exploration companies. These exploration companies will generally stay behind to manage the production, but the trusts and their unitholders own the right to the stream of profits from the reserves. The one key difference between investing
Pipeline trusts are terrific additions to any diversified portfolio; their cash flows are generous, predictable and sustainable. When you buy a pipeline trust, you’re buying a combination of long-lasting energy infrastructure cash-cow machines used to transport and store oil and gas. Many pipeline trusts are involved in some of the largest and longest-lasting oil projects in North America, thus enabling them to secure long-term contracts to transport oil from productions to refineries.
What are some of the key characteristics of pipeline trusts?
Strong competitive advantages from high barriers to new competitions due to hefty capital costs, government regulations and brands.
Pipelines have longevity and low maintenance.
Revenues are largely fixed while capital expenditures are minimal. (Translation: reliable cash flows)
Not much growth potential. Buying at the right price is crucial, because you don’t want to be stuck with a low yielding and slow growing investment.
U
I’m collaborating with Thicken My Wallet and Million Dollar Journey to compose a series of posts on income trusts investing. Thicken My Wallet is leading the series with a bird-eye’s view on the financials such as payout ratios, cash-flows, capital expenditures and financing. I recommend you visit his introductory post, and then follow his links to the different categorizations of income trusts by Million Dollar Journey and me.
The traditional sense of business trusts is slow-growing mature businesses in the manufacturing, service or general industrial sectors. They typically produce stable cash-flow and distributions to trust-holders, which is why yield-starving investors are finding the distributions from business trusts irresistibly tempting. However, critics are warning that a majority of business trusts are sprinkling only small amounts of genuine income from operations, while a significant amount (over a third) of the distributions are simply return of equity.
R
Real-estate shares surged on the $13.5 billion takeover of Archstone-Smith Trust, propelling U.S. stocks to their second straight advance and the Standard & Poor’s 500 Index to within 10 points of a record.
Property companies accounted for seven of the 10 top gains in the S&P 500, led by Archstone-Smith Trust, the second-largest U.S. apartment real-estate investment trust. Avaya Inc., the world’s biggest maker of corporate telephone equipment, climbed the most in almost two years on a report it may be acquired.
More than $1 trillion in buyouts is driving the U.S. stock market’s best first-half rally since 2003. Members of the S&P 500 are trading at 17.9 times earnings, about half the price-to- earnings valuation when the index climbed to its March 2000 record.
“The market still is trading at fairly attractive valuation levels,'’ said Michelle Clayman, who oversees $6.2 billion as chief investment officer at New Amsterdam Partners in New
Interest in real estate investment trusts is growing amongst advisers with more than 600 registering for conferences organised by the Real Estate Investment Trust AssociationMore..
Trust is a very important term in the world of investing. To put it in simple words, a trust is nothing but an arrangement whereby money or property is owned and managed by an individual or entity for the benefit of another. The money is invested in companies with operating assets, which produce income and cash flow that is eventually passed to the investors. These trusts are neither stocks nor bonds but investment trusts. A trust investment that uses a trust to hold ownership of an asset and pass through income to investors is called a securitization or an asset-backed security.Royalty TrustsRoyalty trusts buy the right to royalties on the production and sales of a natural resource company and pass on the profits to trust unit holders. Royalty trusts typically own oil or natural gas wells, or the mineral rights of wells.Royalty trusts are found in Canada and the United States. Canadian royalty trusts, called CanRoys, typically trade on the Toronto Stock Exchange, while some of the l
The property industry is set for a boost from January 1 2007 as new era dawns for property investors and the Londons financial markets. REITs will open up the commercial property market to ordinary investors in the UK. So what exactly is a REIT ?
This article is useful for those who want to have a pleasant family life. Nicely explained the each topic with a meaningfully associated examples.TRUSTTRUST is a very important factor for all relationships. When trust is broken, it is the end of the relationship. Lack of trust leads to suspicion, suspicion generates anger, anger causes enmity and enmity may result in separation.A telephone operator told me that one day she received a phone call. She answered, "Public Utilities Board." There was silence. She repeated, "PUB." There was still no answer. When she was going to cut off the line, she Heard a lady's voice, "Oh, so this is PUB. Sorry, I got the number from my Husband's pocket but I do not know whose number it is."Without mutual trust, just imagine what will happen to the couple if the telephone operator answered with just "hello" instead of "PUB".NO POINTING FINGERSA man asked his father-in-law, "Many people praised you for a successful marriage. Could you please share with m
