Young Marr - February/March 2019

FEB/MAR 2019

Our Attorneys Fight for Your Future THE ADVISOR

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Well, we may not have had the distinct pleasure of sending Brady and Belichick home empty-handed two years in a row, but at the time of writing, I’m very much looking forward to watching the Rams give it their best shot. By the time you read this newsletter, the big game will be over, and the confetti — regardless of color — will have been swept off Mercedes-Benz Stadium. While I may not have a crystal ball to predict the play- by-play, I do know who I’ll be watching this Super Bowl with. My daughter Kelly is just as big a football fan as I am, maybe even bigger. Every Sunday, I get a call from her asking, “Dad, are you going to be home to watch the game?” Being a self- professed workaholic, I appreciate that my daughter reaches out to me like this. She makes sure that I take the time to sit back, relax, and watch a game. MORE THAN A GAME WHAT FOOTBALL MEANS TO ME

and it has led to many memorable moments, not the least of which was last year’s Super Bowl.

Kelly’s now going on 28 and has channeled her love of dogs into a full-time dogsitting career. In fact, she was dogsitting a good boy named Max during last year’s game and invited me over to watch. Needless to say, we made a lot of noise for just two people. We were living and dying with every play — when Foles caught that touchdown pass, you could probably hear us from a block away. That is, if you could distinguish our voices from the cheer that went up across the city. It’s moments like this that remind me exactly why football matters so much to so many. In many ways, it’s more than just a sport. Being able to put the troubles of the world aside for an afternoon and concern yourself with field goals and interceptions is invaluable. While these moments can get us fired up in the moment, at the end of the day, there’s always next season. For me personally, it’s a way to connect with my family members. From those long phone calls with my mother to shouting and cheering at the screen with my daughter, I’ve gotten more than my fair share of great memories watching this great American game.

“No matter where I was in the world, I could count on my mother calling me whenever the Eagles were playing.”

Well, relax may not be the right word. Kelly and I aren’t above “armchair quarterbacking” and telling the TV screen exactly what we think of a ref’s eyesight. Put another way, we get passionate, especially when the Eagles are playing. All told, Kelly’s enthusiasm for the sport reminds me a lot of her grandmother. No matter where I was in the world, I could count on my mother calling me whenever the Eagles were playing. This wasn’t a quick call either. In the days before FaceTime and livestreams, we’d both be on our respective landlines, watching the TV and talking to one another about every play as it happened. I dearly miss those days, but I’m proud to say I’ve passed on my mother’s love of football to my daughter. Ever since she was 16, we’ve been watching Eagles games together,

Fly, Eagles, fly,

–Paul H. Young

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WHAT DO YOU REALLY KNOW ABOUT GROUNDHOG DAY? 3 MYTHS ABOUT OUR FAVORITE FURRY METEOROLOGIST

Myth 2: Groundhog Day is harmless. Much like humans, most groundhogs don’t like being suddenly jostled out of their sleep. Their frustration often leads to them biting their handlers. For this reason, the handlers usually wear heavy gloves to protect themselves. However, that isn’t always enough of a precaution to ensure everyone’s safety. In 2009, New York Mayor Michael Bloomberg was bitten through his glove, and subsequent mayor Bill de Blasio dropped his groundhog in 2014. Myth 3: Phil is not the only famous rodent. While Phil is probably the most well-known ground-dwelling meteorologist, he is not the only groundhog with weather predicting abilities. For example, General Beauregard Lee is the weather predictor for the city of Lilburn, Georgia. Staten Island Chuck takes care of the New York territory, and Lancaster, Pennsylvania, has three groundhogs of its own, which is probably due to its rich Pennsylvania Dutch history. Canada has even started a Groundhog Day tradition with Shubenacadie Sam in Nova Scotia and Balzac Billy in Alberta. Even though Groundhog Day is a holiday based on many myths, it still provides a great time for event-goers all across the world. You might not be able to fully trust Phil’s predictions, but the superstition and mystique associated with this unique and festive day make it one you shouldn’t skip out on.

Despite the fact that most, if not all, meteorologists place little value on a furry marmot’s ability to predict an early spring, the annual tradition of Groundhog Day is still one that millions of people love to celebrate. Because it is based more on folkloric legend than scientific evidence, Groundhog Day is

associated with shams and spoofs of varying degrees. There are many myths regarding the tradition as well as the famous Punxsutawney Phil himself. Myth 1: The predictions are accurate. Many event-goers put a lot of faith in Punxsutawney Phil’s predictions. Unfortunately, he is more likely to be wrong than right. According to studies based on Phil’s predictions and the weather patterns that follow, it seems Phil’s predictions receive an accuracy rate of only 39 percent.

THIS MONTH IN PHILLY SPORTS HISTORY

THE PHILLY SPECIAL

Let’s be honest: There’s only one Philadelphia sports event we could possibly talk about this month. While last year’s big win is still the very recent past, there’s no question it was historic, both for the Eagles and the NFL as a whole. Since Paul has shared his own Super Bowl experience on the cover of this issue, we’ve decided to delve into the game-defining play itself: the Philly Special. It’s a moment forever immortalized in the minds of Eagles fans. Up by only 3 points with 38 seconds left in the first half, coach Doug Pederson was in an agonizing position. It was 4th and goal — a situation where a field goal would normally be a no-brainer. But as countless Super Bowl contenders have proven, if you’re going up against Tom Brady’s Patriots, being up by a few points at halftime means next to nothing. The Eagles knew they needed a touchdown, but how were they going to get it?

shotgun formation, Foles mimed an audible and moved to the right side

of the offensive line. That’s when the ball was snapped directly to running back Corey Clement, who in turn pitched it to tight end Trey Burton as he wheeled right. This left Burton, who had never made a single pass in his entire NFL career, with a clear shot at the play’s intended receiver: Foles himself.

The Patriots hadn’t thought to guard the seemingly out-of-position quarterback, and it cost them dearly. The pass was complete, and the Eagles would go into halftime up by 10. While this trick play wasn’t solely responsible for Philadelphia’s victory, it encapsulates what made the 2017 Eagles champions. Not only were they willing to take risks, completing what has been called the gutsiest play in Super Bowl history, but they did it by using leadership from the field. Pederson trusted his quarterback, and the team followed suit. The result was a play the league will be talking about for decades.

Quarterback Nick Foles had the answer. Approaching Pederson, he asked the now-famous question, “You want Philly Philly?”

“Yeah,” the head coach responded. “Let’s do it.”

The play Foles was referring to took everyone from the Patriots to media sportscasters by complete surprise. Lining up in the

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CREDIT AFTER BANKRUPTCY

WHERE TO FIND IT, HOW TO BUILD IT

One of the most common myths about declaring bankruptcy is that it’s impossible to open a new line of credit. Many of our clients ask us about this misconception, hesitant to move forward with their filing. It’s an understandable concern. While bankruptcy offers relief from many immediate issues, people don’t want to give up on their financial future. Thankfully, we’re here to tell you that, despite popular belief, it is possible to attain and build credit after bankruptcy. Stay on Top of Your Bills The most important thing you can do for your future credit after a bankruptcy is to make sure you are paying your bills on time and staying out of debt. While this won’t immediately build your credit score, it prevents it from getting worse. Once you have an idea of what your means are and you’re confident you won’t overextend your finances, you can begin taking steps to build credit proactively. Consider a Secured Credit Card Unlike other cards, a secured credit card requires you to make a deposit up front. This added protection for the lender keeps interest rates relatively low, making it an attractive option for those with a bankruptcy on their credit history. Using such a card responsibly — paying on time while maintaining a low balance — is one of the fastest ways to rebuild your credit.

Cars and Homes If you are considering taking out a loan on a car or other property, you’ll likely find interest rates are exorbitant. It’s best to wait at least a year to make this kind of purchase, and only take out a loan if it’s absolutely necessary. If you’re in the market for a new home, most lenders require you to be out of bankruptcy for two years before allowing you access to mortgage lending. This is all the more reason to use this time to build your credit through other means. If you are considering filing for bankruptcy but have more specific questions on what the future might entail, reach out to an experienced bankruptcy attorney, like the professionals at Young Marr and Associates. We offer free consultations with our lawyers about the bankruptcy process and the long-term effects it can have on your life. Call today at 215-883-8532 for Pennsylvania or 609-796-9852 for New Jersey.

SUDOKU

VALENTINE’S DAY COOKIE CARDS

INGREDIENTS •

2 1/4 cups all-purpose flour

• • •

3/4 cup sugar

2 teaspoons pure vanilla extract

1/4 teaspoon salt

2 sticks unsalted butter, cold and cut into 1/2-inch cubes

Royal icing, sprinkles, and edible markers, for decorating

2 large egg yolks

INSTRUCTIONS 1. Heat oven to 375 F.

2. In a mixing bowl, combine flour with sugar and salt. Add butter and combine using a mixer at low speed, until butter breaks down into small, crumbly pieces. Increase mixing speed to medium and mix until butter and flour clump. 3. Add egg yolks and vanilla extract to bowl, return mixer to low, and mix until dough congeals. 4. Carefully roll dough into a sheet 1/16-inch thick and cut into 4x6-inch cards. 5. On a parchment-lined baking sheet, bake cookie cards for 6 minutes, rotating the pan halfway through. 6. Let cookies cool completely, decorate, and distribute.

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12 CONVENIENT OFFICE LOCATIONS

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

PENNSYLVANIA PHILADELPHIA BENSALEM

NEW JERSEY Cinnaminson HAMILTON TWP. MARLTON PISCATAWAY

YOUNG, MARR & ASSOCIATES, LLC 3554 HULMEVILLE ROAD, SUITE 102 BENSALEM, PA 19020

QUAKERTOWN BALA CYNWYD EASTON JENKINTOWN ALLENTOWN

YOUNGMARRLAW.COM PA: 215-883-8532 NJ: 609-796-9852

INSIDE THIS ISSUE

1 Paul’s Super Bowl Memory 2 3 Myths About Our Favorite Furry Meteorologist Philly Philly One Year Later 3 Can You Build Credit After Bankruptcy? Valentine’s Day Cookie Cards 4 Why Do We Need A Leap Year?

WHY DO WE NEED A LEAP YEAR?

THE CALCULATIONS THAT LEAVE US IN NEED OF AN EXTRA DAY

Every four years, February gains an extra day at the end of the month. But what does this contribute to the year as a whole? You might be surprised by what this one day does for us! The 365 days in each year represent the time it takes for the Earth to circle the sun. However, the orbit actually takes nearly a quarter of a day longer than that. The additional 0.2421 of a day might not seem like it would make a significant impact, but after a few decades, it adds up. To ensure the calendar and seasons stay on the right timeline, the leap day was created. The Start of the Leap Year The Egyptians were the first to officially calculate how many days it takes to orbit the sun, revealing the need for a leap year. Europeans at the time used a calendar that followed a lunar model, which needed an entire month added to retain consistency. The leap year wasn’t introduced into Europe until the reign of Julius Caesar. With the help of astronomer Sosigenes, Caesar created the Julian Calendar, which included 12 months and 365 days, with a single day added every fourth year.

However, the Julian Calendar wasn’t perfect, because 0.2421 of a day can’t be rounded to a multiple of five, so it caused the calendar to have an extra 11 minutes every four years. Pope Gregory XIII fixed the problem in 1582 by creating the Gregorian Calendar. Now, a leap year occurs every four years except for the years that are evenly divisible by 100 and not 400. For instance, 1800 and 1900 were not leap years because they were divisible by 100. A Leap Day Birthday The odds of being born on Feb. 29 are about 1 in 1,500, which leaves approximately 187,000 people in the U.S. and 4 million people around the world celebrating their birthdays on Feb. 28 or March 1. People born on a Leap Day are faced with dilemmas such as which date they should receive their driver’s license. Although it varies from state to state, most consider March 1 the appropriate day for leap-year 16-year- olds — who are celebrating their fourth “official” birthday — to receive their license. With all the changes the calendar has undergone, it still isn’t quite perfect. Experts say that in about 10,000 years, it will need to be changed yet again.

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