Gibraltar Private Bank & Trust Provides Recommendations for Obtaining Prenuptial Agreements

As modern day issues continue to complicate the marriage and divorce process in the U.S., Gibraltar Private Bank has outlined four basic recommendations that will help people better understand the value of prenuptial agreements and discuss their appropriateness with their significant other.

CORAL GABLES, Fla. - August 3, 2011 -- As modern day issues continue to complicate the marriage and divorce process in the U.S., Gibraltar Private Bank ( has outlined four basic recommendations that will help people better understand the value of prenuptial agreements and discuss their appropriateness with their significant other.

In today’s world, saying “I do” is not as simplistic as it used to be. Multiple marriages, same-sex marriages, children from prior relationships, and even death have brought further complications to the questions that surround estate division. These issues have raised perplexing questions within the legal and financial planning community.

To address these concerns, a prenuptial agreement is a helpful tool as the process benefits couples by helping them define their expectations for the marriage, establish a responsible approach to estate planning, and learn more about each other’s attitudes toward money. Disagreements about these issues after marriage can be a leading factor in divorce.

To help your agreement (and relationship) stand the test of time, consider these general recommendations:

1. Plan ahead. Prenuptial agreements reached just before the wedding can later be considered as coercive or signed under duress and, thus, unenforceable. Bring up the topic as soon as you can, before things get too serious - a minimum of 12 months before marriage.

2. Disclose your assets and liabilities. While the state of Florida doesn't require you to disclose assets before marrying, divorce courts may not enforce premarital agreements that lack full financial disclosure. You can help reduce this risk by attaching a schedule of assets and liabilities to the agreement. Couples should include income and expenses, because the more transparency the better. Make an annual exercise of reviewing your financial picture.

3. Seek independent counsel. Key factors surrounding the enforceability of a prenuptial agreement are whether it was A) “fair and reasonable” at the time it was executed, and B) entered into voluntarily. Having separate legal representation during the drafting of the agreement will help support these considerations.

4. Decide on a jurisdiction. This factor is critical in international marriages or when you have assets in different locales, because laws vary among not only countries, but also U.S. states. A properly drafted prenuptial agreement will include the choice of law to be applied so as to avoid rendering the contract null and void.

About Gibraltar Private Bank & Trust

Established in 1994, Gibraltar Private ( is an integrated private banking and wealth management company dedicated to enhancing the wealth and well-being of its clients and their families. Gibraltar Bank offers residential and commercial lending, private banking and wealth management services to professionals, corporate executives, entrepreneurs, affluent retirees, and select businesses.

Gibraltar Private has eight full-service banking offices with its headquarters in Coral Gables, offices in Fort Lauderdale, Miami, Miami Beach, South Miami, Naples, Ocean Reef and New York, and a loan production office in Aspen, Colorado.

Media Contact:
Josh Merkin
Gibraltar Private Bank & Trust
220 Alhambra Circle, 5th Floor
Coral Gables, Florida 33134

IAPAM Announces Aesthetic Medicine Symposium with Botox Training September 17-18, 2011

Consumer demand for Botox and other minimally invasive procedures is at an all time high. The IAPAM is helping physicians enter this lucrative market by offering dermatologist-led Botox Training in Scottsdale, Arizona on September 17-18, 2011. Physicians will learn everything they need to start offering Botox and other in-demand aesthetic medicine procedures.

Las Vegas, NV, August 03, 2011 -- The number of patients turning to minimally invasive cosmetic procedures like: Botox (, dermal filler injections, lasers for skin rejuvenation (, medical microdermabrasion, and chemical peels continues to increase. To assist physicians in entering the aesthetic medicine field, the Aesthetic Medicine Symposium ( was designed by physicians for physicians, and has integrated the most important clinical, aesthetic medicine business, and botox training into one weekend, including:

- dedicated instruction from board-certified dermatologists, who are true experts of the skin and cosmetic injectables;
- hands-on practice in the best injection techniques;
- botox training at a multi-million dollar medical practice, not in a hotel room; and
- an environment that does not allow exhibitors, giving doctors more time for education.

Attendees also have the opportunity:

1. To attend the Symposium's Aesthetic Practice Startup Workshop ( on Monday September 19, 2011, a program highlighting the latest information on medspa business development and social media marketing.
2. To attend the IAPAM's hCG Training ( on Friday September 16, 2011, which covers hCG for weight loss, prescription appetite suppressants, ketogenic diet based programs, meal replacements and B6/12 injections.

To date, over 900 physicians, as well as their accompanying medspa managers, registered nurses, and assistants, have attended the IAPAM's Aesthetic Medicine Symposiums and hCG Training seminars. The dates for the next Aesthetic Medicine Symposium are September 17-18, 2011 in sunny Scottsdale, Arizona.

Physicians who have attended the Aesthetic Medicine Symposium with Botox training testify its comprehensiveness, and the year of practice support from the IAPAM definitely makes this course different than the others.

A preview of this training can be viewed on YouTube at

For additional information or to register for the September 17-18, 2011 Aesthetic Medicine Symposium, please contact the IAPAM, at 1-800-219-5108 ext. 704, or visit

Botox is a trademark of Allergan, Inc.

About the IAPAM: The International Association for Physicians in Aesthetic Medicine

The International Association for Physicians in Aesthetic Medicine is a voluntary association of physicians and supporters, which sets standards for the aesthetic medical profession. The goal of the association is to offer education, ethical standards, credentialing, and member benefits. IAPAM membership is open to all licensed medical doctors (MDs), dentists (DDSs/DMDs) doctors of osteopathic medicine (DOs), physicians assistants (PA’s) and nurse practitioners (NP’s). The IAPAM offers aesthetic medicine and hCG medical weight management programs, including: Botox training, medical aesthetic training, laser training, physician hCG training, and aesthetic practice business training. Additional information about the association can be accessed through the IAPAM’s website ( or by contacting:

Jeff Russell, Executive-Director
International Association for Physicians in Aesthetic Medicine (IAPAM)
1-800-219-5108 x704


EFL & Y-cam launch out of the box IP surveillance packages

Y-cam Solutions Ltd has combined expertise with Electronic Frontier Ltd to offer a range of pre-configured, cost effective IP surveillance solutions ideal for domestic and small business security.

Richmond, London - Wednesday 3rd August, 2011 -- Y-cam Solutions Ltd, the leading provider of affordable and easy-to-use remote monitoring products for residential and small-to-medium sized businesses, has combined expertise with Electronic Frontier Ltd, the specialist value-added distributor, to offer a range of pre-configured, cost effective IP surveillance solutions ideal for domestic and small business security.

The EFL and Y-cam packages offer professional, value for money, entry-level IP CCTV solutions starting at £889. The "out of the box" packages provide both flexibility and scalability and can easily fit in to residential, office, retail and hospitality environments.

All packages are pre-configured and ready to work straight out of the box, perfect for situations where install time is tight, or there are concerns about setup and making it work first time. What’s more, the packages include the features end-users demand, like motion detection, email alerts, and the ability to view from anywhere in the world with free smartphone apps.

Duncan Ross, Business Development Manager at Electronic Frontier, commented “Our customers required a solution that was easy to install, and offered a more-than-simple solution at an affordable cost. The bundles we have created, combining Y-cam with other leading companies like Wavestore, Synology and ZyXEL, give users the reassurance they are getting the best solution - without the setup or compatibility concerns”.

The bundles are available in two varieties; the Combo Lite IPCCTV System and Combo Pro IPCCTV System. Each bundle combines four Y-cam Black S cameras (featuring high quality infrared night vision, Wi-Fi connectivity, motion activated recording, and alert capabilities), ZyXEL router, CATe5 cabling plus, either a Synology DS211+ NAS drive (the Combo Lite) or a Wavestore Opal (the Combo Pro).

These bundles are the perfect opportunity for installers and resellers who want to expand in to IP CCTV to get started without the worries,” said Simon Carr, Sales Manager at Y-cam Solutions. “EFL have a fantastic service, and by offering these efficient pre-configured solutions, it makes it even easier for installers to expand their business and take on products with confidence, even if their personal or in-house experience is at the early stages. If you want to get into IP surveillance, this is the ticket.”

The EFL and Y-cam bundles offer the easiest solution for installers who want to secure their customers premises with a high quality solution, jam-packed full of professional features, that can be up and running within minutes and with little previous experience required.

For further information on the EFL bundles, please contact Duncan Ross, at Electronic Frontier Ltd, on Tel: +44 (0)844 875 1580 or visit

For further press information on this announcement or any of the Y-cam product range, including review models or image requests, please contact: James Hunt, Marketing Manager, Y-cam Solutions Ltd Tel: +44 (0)20 8334 7368. Email:

EFL and Y-cam Bundles

The Combo Lite
4 x Y-cam Black S (YCB004)
1 x Synology DiskStation DS211+ NAS + 2TB HDD
1 x ZyXEL P660HN-T1A ADSL2+ router
4 x CAT5e cables
4 x Synology Surveillance Station camera licences

The Combo Pro
4 x Y-cam Black S (YCB004)
1 x Wavestore Opal 4 Channel standalone NVR + 2TB HDD
1 x ZyXEL P660HN-T1A ADSL2+ router
4 x CAT5e cables
4 x Opal camera licences


About Y-cam Solution Ltd

Y-cam Solutions Ltd is a British manufacturer of affordable and easy-to-use remote monitoring solutions designed for residential and small-medium business users. Founded in 2005, Y-cam is a young and dynamic company with rapid growth and award-winning products.

About EFL

Electronic Frontier Ltd (EFL) is a leading specialist value-added distributor of datacomms, security and networking solutions. We talk about convergence these days because it has finally arrived. Our products and services are therefore geared towards enabling our reseller customers to benefit from the exciting opportunities brought about by high-bandwidth Internet access.