MTN’s empowerment scheme failed to fly

MTN’s decision to have a share placement at the same time as its new black economic empowerment (BEE) scheme was just one of several reasons the BEE scheme flopped.
MTN’s empowerment scheme failed to fly
© auremar – 123RF.com
This was the view of a BEE fund manager on Tuesday, 29 November, after the cellphone group announced it had raised R2.3bn through the placement of 21-million shares. The money will be used to pay MTN Zakhele shareholders who are cashing in.

Although the placement volume was small, it was another factor contributing to the generally bearish sentiment around MTN and helped to explain why the new MTN Futhi scheme failed to raise the modest R2.5bn targeted.

BEE schemes are not meant to be free, but they are meant to be sufficiently attractive to ensure success. Even the recent ridiculously overpriced DisChem initial public offering was seven times oversubscribed. The take-up of the MTN Futhi offer fell R500m short of its R2.5bn target – a 20% shortfall.

Analyst Riaz Gardee described the latest MTN BEE scheme as far less promising than the group’s previous initiatives. “Investors will have to consider MTN’s prospects over the next eight years as well as the ability of the management team to deliver in the current phase of the company’s life cycle,” said Gardee, alluding to the much tougher operating environment.

The scheme was rushed, it was unnecessarily complicated and it was badly priced, said the fund manager. The dismal results of the scheme represent an appropriately awful end to a truly annus horribilis for a cellphone company that for so long could do nothing wrong.

But in 2016, MTN continued to battle to persuade the Nigerian government not to impose a staggering $3.9bn fine for issuing unregistered SIM cards. And it was a year in which it struggled to appoint executives capable of rescuing its reputation from the selfinflicted damage in Nigeria.

Share price volatility throughout the year marked it as an inappropriate time to launch a new BEE scheme. That the MTN board did not opt to roll over the existing MTN Zakhele scheme for an extra year or two was probably the first mistake. At the planning stage, the MTN share price was at about R130; the board may have felt it was worth the risk and that there was no need to set a fixed price. But by the time the offer closed, the share had worked its way down to R112. For MTN Zakhele shareholders who had invested R20 back in 2010, the R112 at which they were going to be bought looked grimly disappointing.

By the end of 2014 MTN was trading at R250. For aspiring MTN Futhi shareholders, the group’s grim recent history did little to encourage an investment that will be locked for eight long years. Those who could afford to and were prepared to convert from MTN Zakhele into MTN Futhi were faced with a dauntingly complicated process.

“It was a nightmare for us and we’re reasonably sophisticated,” said the fund manager. “The lawyers were allowed to run rampant and the resulting documentation must have discouraged a lot of potential applicants.”

It may be the MTN board is still too focused on its Nigerian troubles to give its South African transformation requirements the necessary attention. MTN did not respond to requests for comment on the MTN Futhi take-up.

Gambia warned on human rights violations

The Office of the United Nations High Commissioner for Human Rights (OHCHR) has sounded the alarm over the fact that two journalists in Gambia have been held for more than two weeks without access to lawyers or their family members.
Image by 123RF
Image by 123RF
The National Intelligence Agency has arbitrarily detained Momodou Sabally, head of Gambia’s Radio and Television Services, and Bakary Fatty, one of its reporters, since 8 November with no charges. The country arrested another journalist on 10 November who was freed six days later without charges.

Others are also currently being detained incommunicado, including a magistrate, an opposition supporter, and a former Deputy Minister of Foreign Affairs, said a press release from OHCHR.

OHCHR is calling on the Government of Gambia to release all those who are being detained for simply exercising their rights

Earlier this year, 30 members of Gambia’s main opposition party were sentenced to three-year prison terms after they participated in peaceful protests in April.

According to Rupert Colville, spokesperson for OHCHR, incommunicado detention without charge is a violation of the Gambian constitution, which requires detainees to be brought before a court within 72 hours. It also violates the country’s human rights obligations.

Gambia’s presidential elections are to be held on 1 December.

“In the run up to the presidential elections,” said Colville, “it is particularly crucial that the rights to freedom of expression, peaceful assembly and association are fully respected.”

Moreover, he noted that detaining journalists “is likely to intimidate the media in general, which is particularly damaging in an electoral context”.

OHCHR is calling on the Government of Gambia to release all those who are being detained for simply exercising their rights; and expressed concern over the continued failure of authorities to investigate the deaths of Embrima Solo Krummah, a member of the opposition, and Solo Sandeng, the opposition leader, that occurred while they were held in custody earlier this year.

Employees get a little more festive cheer on their leave calendars

Many South Africans spend a large part of December and January on leave celebrating the holidays with friends and family.
Employees get a little more festive cheer on their leave calendars
© Gennadiy Poznyakov – 123RF.com
Four public holidays fall during December and January each year: 16 December is the day of Reconciliation, 25 December is Christmas Day, 26 December is the day of Goodwill and 1 January is New Year’s Day. These are four out of 12 public holidays provided for by the Public Holidays Act, No 36 of 1994 (Act).

The Act provides that “whenever any public holiday falls on a Sunday, the following Monday shall be a public holiday”. The court has confirmed that where a public holiday falls on a Sunday, it does not cease to be a public holiday on the Sunday, the Monday following the public holiday is an additional public holiday.

This year 25 December 2016 falls on a Sunday. This means that the following Monday, 26 December 2016 shall also be a public holiday. However, 26 December 2016 is already a public holiday in terms of the Act.

The 2016 calendar gives rises to a situation where the “additional public holiday” on the Monday falls on a day already scheduled as a public holiday. President Zuma has, however, declared an additional day a public holiday in 2016, that being Tuesday, 27 December 2016. Questions arise as to whether an employer is obliged to pay an employee for the Sunday and Monday or only one of these days.

The legal position in this regard is as follows:

If an employee works on a public holiday, the employer must consider the provisions of the Basic Conditions of Employment Act, No 75 of 1997 (BCEA) when determining the amount to pay the employee. In particular, the employer must consider whether the public holiday falls on a day on which the employee would ordinarily work. If the public holiday falls on a day on which the employee would ordinarily work and the employee works on that public holiday, the employee is entitled to double his/her ordinary wage for the day or, if greater, the employee’s ordinary wage for the day “plus the amount earned by the employee for the time worked on that day”. However, if the employee does not work on the public holiday which falls on a day the employee would ordinarily work, the employee is entitled to his/her ordinary wage for the day.

If the public holiday falls on a day on which the employee would not ordinarily work and the employee works on that public holiday, the employee is entitled to his/her ordinary wage for the day and “the amount earned by the employee for the work performed that day, whether calculated by reference to time worked or any other method”. Importantly, the Labour Appeal Court has held that based on an interpretation of the Act, if the public holiday falls on a Sunday, the Sunday remains a public holiday in addition to the following Monday.

In other words, an employer is required to treat both days as a public holiday and to remunerate an employee accordingly with reference to the abovementioned provisions of the BCEA depending on whether the employee works on such public holidays. It follows that in those instances where the public holiday falls on a Sunday, employees shall enjoy an additional public holiday for the year in question. The same applies in respect of Sunday, 1 January 2017 where both that day together with the following Monday are deemed to be public holidays.

Rhode Island Divorce – The Best Rhode Island Divorce Lawyer Or Attorney For You!

As a Rhode Island lawyer who has preferred to aim my follow in the spot of divorce and household regulation, as well as a guy who tried out to seek advice from with lawyers just before I went as a result of my personal divorce, I have appear to an individual summary that I firmly believe. If you really don’t engage an legal professional who cares about people and who cares particularly about you and your case, then you’ve decided on the completely wrong divorce lawyer.

That’s proper. It can be my feeling that CARING is the greatest aspect to be thought about when hiring your Rhode Island Divorce or Household Legislation Lawyer.

Why? Believe that about it! In inescapable fact presume about many people in typical and how they imagine.

So, let us get started with with YOU!

When you care about a specific thing . . . your boy or girl, your wife, your vocation, your investments, your automotive or bike, and so on. . . What do you do? What do you presume about?

When you care about one thing like that it means that some thing to you never you do what you can to require care of it . . . boost it . . . give good results arduous for it . . . preserve it . . . and in some cases even die for it! That’s specifically what you do! That’s exactly what all people does simply because that is human mother nature.

We acquire care of the matters and most people that we treatment about. We don’t throw them to the aspect and disregard them. We do not abuse them. We do not damage them.

Human character is such that we as people do the most we can based mostly upon how a great deal we care about that detail. When folks treatment they will move mountains for the factors and consumers they treatment about.

So why is caring necessary?

That’s the Solution!

If you have an attorney who really cares about you and your situation as I do for my valued clients, their conditions and their belongings, you do regardless of what you can to take treatment of them.

Sure any attorney will nonetheless do what is necessary to insure that he or she will get compensated some kind of rate for the operate getting done for you mainly because that’s that divorce or family lawyer’s livelihood… with no that he or she just doesn’t survive.

However when you find a caring legal professional it’s not about the total of the cost . . . it’s about YOU. It can be about caring about YOUR Lifestyle, and YOUR Belongings and working on what is vital TO Aid YOU get via the turmoil, sometimes at the cost of the attorney’s personalized time or at his or her price.

We’re out there. Some of us care and we’re listed here to guidance you not having charging you the $300+ an hour that some lawyers think you need to have to fork out them.

Glance for the caring legal professional and my bet is that you’ll be improved off almost every time.

1) What is title insurance policies? How much does it fee? Will need to I acquire it?

Owner’s title insurance policies shields the Purchaser of a house towards undiscovered liens or defects in the title prior to the time of obtain.

Rhode Island Divorce – The Suitable Rhode Island Divorce Lawyer Or Attorney For You!

– Divorces from the bond of relationship shall also be decreed for the following leads to:

(one) Impotency

(2) Adultery

(three) Severe cruelty

(four) Willful desertion for five (five) decades of both of the get-togethers, or for willful desertion for a shorter period of time of time in the discretion of the court

(five) Continued drunkenness

(6) The habitual, excessive, and intemperate use of opium, morphine, or chloral

(7) Neglect and refusal, for the time period of at the very least one particular year subsequent well before the submitting of the petition, on the part of the husband to provide you with necessaries for the subsistence of his wife, the husband currently being of sufficient power and

(8) Any other gross misbehavior and wickedness, in either of the get-togethers, repugnant to and in violation of the marriage covenant.

Now, if any Rhode Island law firm who professes to you that Rhode Island is a NO FAULT state. You should have him or her demonstrate to you how each and every of these objects lacks a ailment or motion by possibly one or both of those events that is not fault centered. Then, remember to give me a contact and justify it to me.

My place is just this. Rhode Island is NOT a NO FAULT divorce state. This is an very easy way to pinpoint if the lawyer you are thinking about participating for your divorce matter is aware what he or she is chatting about or not. If you ask the attorney if Rhode Island is a NO FAULT divorce state and he or she states “yes” . . . then I highly advocate finding a new attorney to job interview.

In your Rhode Island divorce proceeding I am totally . . . positively several that the most crucial final choice you will make all through the full divorce approach is the selection of the individual to signify your interests.

As a spouse, father, layman and now an legal professional for men and females I make this statement from just about nearly every perception you can think about. Your final decision on whether you present by yourself or which legal professional you keep to represent you in your divorce will make a monumental difference.

Selecting the right Rhode Island lawyer to depict you in your Rhode Island divorce make any difference is not the easiest point to do so below are just a very few items you want to consider.

1. How a large number of divorce circumstances does the legal professional take care of in a 12 months?

2. What is the aim of the attorney’s apply? For example, is it divorce and family unit law or does the lawyer handle a great quantity of unique injuries situations?

three. How considerably does the legal professional charge for every hour and what expenses does that incorporate?

4. Does the attorney have to choose from references to divorce and/or loved ones law shoppers who would be inclined to communicate with you about his or her expert services and what is the association of those people customers to the attorney (i.e. brother-in-legislation, mate, etcetera… or a referred consumer).

five. Does the lawyer handle costs and expenditures first of all before even speaking about your difficulties with you? (i.e. does he or she look far more intrigued in dollars problems than in working with you concerning your scenario…)

Assisted Living Facilities: Boon To The Elderly In Rhode Island!

Seniors and elderly people, who cannot stay independent without the help of someone, need assisted living facilities for easy and hassle-free living. These facilities highlight the major feature of being vigilant and highly considerate towards the residents. Assisted living is specifically meant for people who are dependent on others or have severe medical conditions like Alzheimer’s and Dementias. Therefore, working closely with the families & doctors of the residents is a must. It is important to ensure that not only their personal needs, but their medical needs are also well-cared for & met on time. Equipped with very good experiences nursing staff, patient caregivers and supervisors, the professionals offering assisted living in Rhode Island are the best for your elders.

Amazing nursing services that embrace multiple roles, be it physical, mental or emotional, the assisted living services offered in Rhode Island, depicts a holistic approach towards the well-being and upkeep of the helpless residents. A very wide variety of fun-filled activities keep the resident. Focused on serving the residents privately and in a very stable manner, the staff at assisted living facilities is extremely caring, dedicated and motivated. The staff is trained & well versed at analyzing & knowing the needs, wants and desires of the residents and their individual personality. More than being a business or investment, the assisted living communities aim at serving and making the lives of the residents, better, taking responsibility for people as individuals, not numbers.

Complete mental, physical and medical care, are the key constituents of assisted living amenities. Constant need of heavy-duty reassurance and inspiration, requires strong willingness to care generously for the suffering and old residents. Compassionate and gentle, the way things are done at these facilities in Rhode Island, is not something you can manage at home.

One-to one interaction, custom-built facilities, caring aura around and vibrant surroundings is what is expected out of the highly dedicated and self-motivated team at assisted living facilities. Considering all these factors and the atmosphere around, the families in Rhode Island must choose the correct assisted living community, for their loved ones. A well-organized staff of housekeepers, kitchen help, nurses, for medical aid, maintenance, caregivers, concierge, valet, wait staff, and a lot more ensures high quality care, ease of life and attention towards the residents.

Ample amount of assistance available around the clock, well-planned and cooked delicious meals for complete nutrition, medically viable diets, laundry service, scheduled transportation for the old as they cannot drive by themselves; especially the patients cannot be left un-attended. Also, a very wide variety of fun-filled outside activities, road trips and much more is available at these facilities to keep the residents active and socially involved. Keeping fit is another important aspect of old age, provisions for exercises like aerobics and yoga keep the old people mentally & physically fresh and active. Facilities including, arts and crafts, museums, movies, live entertainment, day trips and boat tours keep their life full of fun and frolic.

Rhode Island – Road Accident Litigation

Rhode Island is the smallest state in the Union and is sometimes considered the most picturesque. But this serenity is quite often disturbed by what the US lawmakers feel is the alarmingly high rate of car accidents in the state. Rhode Island Car Accidents have gone up by 14% according to the reports published by the United States Department of Transportation’s (USDOT’s) National Highway Traffic Safety Administration (NHTSA). Even though the overall number of accidents is relatively small due to the actual population and size of the state, nevertheless, Rhode Island Car Accidents laws are governed by strict tort laws.

The personal injury law is governed by Tort; any person who suffers damages can use the tort law to seek compensation from the personal responsible. The compensation is mostly financial, which could be anything from medical expenses, insurance and emotional and physical trauma, missed opportunities and loss of future income. Any personal injury can be caused by two main factors which are covered in the tort law, intent or negligence. In some cases both parties look for out of court settlement rather than going for a long drawn protracted battle.

Settlement – The Guidelines

An out of court settlement is what primarily the personal injury lawyers aim for. The out of court settlement guarantees the victims a quick resolution to the litigation and therefore is of immense value. In many Rhode Island Car Accidents cases as well, an out of court settlement is what the attorneys try to get. The main reason for a settlement is because the plaintiff is going through a lot of trauma and probably has to deal with medical and other expenses; in this situation it is surely better to get complete the litigation process and reconnect with a normal life.

However, there are some fine lines in out of court settlements, as the defense attorneys clearly knows the settlement urgency they do negotiate heavily about the compensation amount. Secondly, any settlement mostly comes with a waiver which the plaintiff has to sign. The signing-off the waiver in some ways exonerates the defendant as a settlement does not mean acceptance of guilt. The waiver may also include the fact that the plaintiff will not claim for damages regarding the same incident ever again.

Certain Accident Victims Discriminated By The No Fault Law?

Being considered in state legislatures from California to Rhode Island are the no fault insurance plans which already are a law and are being opposed by a well organized and well financed lawyer’s lobby. The no fault proposals according to the American Trial Lawyers Association prohibit people from recovering from the injuries that they acquired which really do not have a certain monetary value. Also, he said that victims of those who settle claims by their own and those who file suit to redeem damages are affected by the said limitations. In Illinois, the aim was to kill the bill which is why the trial lawyers’ group spent $100,000 but they weren’t fortunate with this.

But after the no fault proposal was signed into law, the Illinois Trial Lawyers Association filed a suit. Other groups of accident victims have been disregarded by the law, which is why the State Supreme Court declared it unconstitutional. The group of lawyers in Arkansas and California said that people are controlled of their right to take their problems to the court because of the pending no fault bills. The state Trial Lawyers Association in New York showed its displeasure about the pending bill because it disallows people from suing and not only that, it prevents lawsuits from having the damages compensated.

The counter of trial lawyers is beginning to put their acts together. What they plan to do is to introduce in Congress a Federal Automobile Insurance Reform Act that would contain the tort damage lawsuit right, which in other words is the extreme version of ‘no fault’ that supporters want to get rid of. Also, the trial lawyers’ bill has its very own, no fault provision. What the new Federal government corporation will do is to provide auto accident victims with the rightful compensation taken from the national gasoline tax. It doesn’t matter if these victims have an insurance or not, or if they’re guilty or innocent.

The judgment against a guilty driver and his insurance company would not affect the way how the court will deduct from the amount taken from the government firm, though there would still be the right to sue and collect from the guilty driver. The general manager of the Trial Lawyers Association and professor of the Boston University Law School mentioned that these people who are proven guilty are no longer bothered by the no fault idea because they simple want to retained the wrong legal system. According to him, trial lawyers do believe that the proposed federal corporation has the ability to shoulder over 90 percent of all personal injury claims.

It is accepted that rates for injury liability insurance would definitely decrease because the government paid deductibles and that such facts have been cited. What most states would do now is to probably require such coverage. What might happen is that the government would have to shoulder around $3,000 or more per person. The amount to be given to the victims would be cover in full about 90 percent of all personal injury claims which already covers hospital costs, medical care and even income loss. Not everyone is subjected to benefit from immediate payments, because persons who hit the road while drunk and under the influence of drugs, unlicensed drivers and as well as drivers who have committed a crime against the law would not receive any.

The present collision, property damage liability and auto fire and theft insurance system are not touched by the Trial Lawyers’ bill, but it urges the government to sell such insurance to compete with private companies. Now, there will be a competition between the Government Company and against the private companies because both would be selling personal injury liability insurance. Now, motorists take care of such coverage, but in the future, they would still have to pay for their coverage.

Rhode Island Car Accidents: The Importance Of A Lawyer

The US have reportedly over 40,000 fatalities in road accidents every year, 32% of them have been due to alcohol. According to figures released by the US Department of Transportation over 31% of all Rhode Island Car Accidents also occur due to alcohol related incidents.

When an accident occurs, the last think a family thinks about is speaking to a lawyer, the emotional trauma and stress of going through something like this in unimaginable. But the truth is that at this juncture you need a lawyer the most. Any act of wrongful death should be compensated financially by the very entity responsible for the wrongful death.

The first major issue that the grieving family is confronted with is insurance companies. The insurance companies have vested interest and they want to ensure that any settlement is as low as possible, they know under the stress you are going through there would be no possible reaction.

They even try to solicit statements that can have a future impact. In many of Providence Car accidents cases, insurance company’s response has been typical; they always claim that the insurance does not cover the entire expenses (medical and others), therefore only a small amount of money can be delivered. This is when you really need a lawyer.

The Negotiations: Lawyers Credence

The lawyers deal with everything from negotiating with the insurance companies and the defendants for an out of court settlement. The lawyer’s fees aside the financial compensation which will be received in Rhode Island car accident cases is quite substantial.

They ensure that all medical and out of pocket expenses are covered as start to their negotiations. But it is the compensation for emotional trauma, loss of wages and future earnings which they help to secure. It is very important to record everything post the accident. Ensure that all medical expenses are well documented and other miscellaneous expenses have receipts.

Ensure that you do not say anything to insurance companies or other attorneys. It is your lawyer’s job to keep you safe from any such pressure and that you do not make any statement which can harm your case in the future. In many Providence car accidents cases, the lawyers have fought for the plaintiff and won large compensation depending upon the incidents. seriousness.

Rhode Island Ri Common Law Marriage – Fact Or Fiction

Fiction- If I live together with my boyfriend for over seven years then we are automatically common law married.

This is a huge urban myth that is completely and totally false! In fact, a couple could live together for 35 years in Rhode Island and still not be common law married! However, another couple could live together for 7 days and be common law married. Article By Rhode Island Divorce and Family law attorney, David Slepkow. (401-437-1100)

How can this be true??

This article only applies to Rhode Island. Also, a vast majority of states do not recognize common law marriages. Please contact Rhode Island divorce and family law lawyer, David Slepkow, to help evaluate whether you can successfully establish a common law marriage in Rhode Island.

In order to establish a common law marriage in Rhode Island, a couple must have “seriously intended to enter into the husband-wife relationship.” Demelo v. Zompa, 844 A.2d 174 “The parties conduct also must be of such a character as to lead to a belief in the community that they were married.” Demelo v. Zompa 844 A.2d 174 “The prerequisite serious intent and belief is demonstrable by inference from cohabitation, declarations, reputation among kindred and friends, and other circumstancial evidence.” Demelo v. Zompa, 844 A.2d 174

A crucial element to common law marriage is whether a couple holds themselves out to the community as husband and wife.

I believe that Courts look to several factors in determining if there is a common law marriage. The Court looks at a totality of the circumstances rather than focusing on any one particular factor exclusively. In other words, if one of the following factors doesn’t apply there could still be a common law marriage!

Establishing a common law marriage in Rhode island is analogous to building a brick wall. A single brick alone will not build the wall! Pulling out any particular brick will not cause the wall to fall. Similarly, No one factor usually creates a common law marriage. (perhaps, and I emphasize perhaps, the only exception to this is filing married for your federal income taxes) The absence of a single factor usually does not defeat a common law marriage! (The exception to this may be lack of cohabitation but that is not set in stone. I emphasize may be an exception depending on the facts)

The court may look at whether the alleged wife took the husband’s last name. The woman’s use of husband’s last name indicates that the parties were holding themselves out to the community as married and exhibiting a serious intent to enter into a marriage. If a woman takes a man’s last name and uses the name in public then that will go a long way in establishing a common law marriage. A woman not taking her significant other’s last name will not be fatal to establishing the marriage. Judges are keenly aware that in this day and age, it is common for a woman to use her maiden name after a valid marriage.

The Court will look to see if the parties introduce each other as “my husband” or “my wife” in social settings or when appropriate. The Courts are well aware that married couples usually do not introduce their spouse by his / her first name.

Medical treatment forms, financing applications and other forms may be important to see whether the parties listed the other person as their spouse or even admitted that there was a marriage.

The length of time that the parties lived together may be very relevant . An economic partnership between the parties is also very significant. Joint bank accounts, joint ownership of property, joint accounts, beneficiary designations on retirement plans, insurance applications could all be bricks in a wall of establishing a common law marriage. Please note that these types of factors (such as having a joint bank account together) alone will NOT establish a common law marriage! In this day and age it is very common for boyfriends and girlfriends to live together with joint bank accounts or even, perhaps, owning property together without intending to enter into a marriage. However, the above mentioned factors take on importance in conjunction with other significant factors set forth in this article.

There are a myriad of other factors that could be very important in determining whether or not there is a common law marriage. This includes whether a diamond ring or other ring was given and what hand the ring was worn on.

This article in no way establishes all the factors that could be important in establishing a common law marriage

If the parties cannot agree that there was a marriage then witnesses will need to testify in Court to establish a belief and reputation in the community that the parties were married. In other words does your social circle (friends, family, acquaintances ) believe that you and your significant other are married?

One of the most crucial elements of common law marriage is the tax status that the parties claim on their federal and state income tax forms. If the parties filed married filing jointly or married filing separately then some judges would say that the common law marriage is established. A federal tax document is a very significant document and most people know the importance of being truthful when filling it out. I would tend to agree that if the parties filed their taxes as married then they are probably in fact married! If the parties filed as married filing jointly and then one of them denies the common law marriage then they are in a perjury trap. Either they lied to the IRS or they are lying to the Court. Filling single will not be helpful to establish a common law marriage however it is not fatal.

How could a party be common law married after 7 days? Hypothetically, boyfriend and girlfriend invite all their friends to a party which is not officially a wedding. No marriage certificate is sought or obtained by the couple. However, at the party the couple announces to all their friends and family in attendance that they are married, they move in together the next day. The girlfriend puts him on her health insurance. They are probably married by common law after just a week!

If you believe that you are common law married and want to terminate the relationship then you need to file for divorce in Rhode Island family Court seeking to establish the elements of the common law marriage.