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American Depository Receipt (adr) Trust receipts equal to a specific number of shares of corporate stock issued in a foreign country. ADRs are sold and traded in the United States.
Annual Percentage Yield (apy) The predicted amount of interest, expressed as a percentage rate, that an account would earn in a year at a stated interest rate. The annual percentage yield (APY) shows the effect of interest compounding, and assumes that funds remain on deposit for a full 365-day year.
Article Of Agreement Contractual arrangement used in some states under which a buyer purchases real estate from a seller over a period of time, usually by making periodic installment payments. Title is not conveyed to the buyer until the final payment is made. Also called land contract
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Position:
Associate
Law Firm Name:
Ferguson, Schetelich & Ballew, P.A.
Areas of practice:
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Biography:
Mr. Currey began practicing law in 2007. He graduated cum laude from the University of Maryland with a Bachelor of Arts in Philosophy in 2003. In the spring of 2003, Mr. Currey interned at the Maryland House of Delegates for Delegate Tawanna P. Gaines. Mr. Currey then attended George Washington University Law School in Washington, D.C. Mr. Currey has a general practice with a concentration in labor and employment law and insurance defense.
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Position:
Associate
Law Firm Name:
Niles, Barton & Wilmer, LLP
Areas of practice:

Property Insurance

Commercial Property Insurance

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Biography:
Mr. Fetterman practices in the Litigation Department, focusing on complex commercial, business, and contractual matters throughout the Mid-Atlantic region. He also has extensive experience successfully briefing and arguing appeals, including numerous cases before the Pennsylvania Supreme Court. Prior to joining Niles Barton, Mr. Fetterman served as a prosecutor with the Philadelphia District Attorney's Office. He currently practices before the state and federal courts in Pennsylvania, Maryland,
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Position:
Partner
Law Firm Name:
Niles, Barton & Wilmer, LLP
Areas of practice:

Commercial Real Estate

Business Law

Commercial Real Estate Purchases & Sales

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Biography:
Mr. Wetzel practices in the areas of general business, commercial real estate and tax law. Mr. Wetzel is a certified public accountant and a member of the Bar of Maryland. He has broad experience in business transactions and in the on-going legal, tax and general business issues encountered by owners and financiers of businesses and commercial real estate. He represents businesses, financial institutions and individuals in a wide variety of business, commercial real estate and tax matters inclu
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Position:
Member
Law Firm Name:
Shawe & Rosenthal LLP
Areas of practice:

Employment Discrimination

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Position:
Lawyer
Law Firm Name:
Gebhardt & Smith LLP
Areas of practice:

Government Contracts

Construction Contracts

Employment Contracts

Commercial Construction Contracts

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Data from 14 studies of cases in which offenders were prosecuted for child abuse reveal that 54 percent (the median rate) of convicted offenders were incarcerated.
University of New Hampshire
Police investigate most reported crimes involving juvenile victims, but arrests are made in only a minority of such cases. When an arrest is made, most cases are referred to prosecutors, but the proportion that prosecutors accept varies from about 50 to 75 percent.
University of New Hampshire
As part of an investigation, approximately 22 percent of victimized children will receive a medical exam (National Association of Crime Victim Compensation Boards, 2003b). Victims of sexual abuse and physical abuse involving injury are more likely to receive such exams.
University of New Hampshire
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