THE DESKTOP LAWYER

                       THE DESKTOP LAWYER

              The Complete Book of Legal Documents
     For Real Estate, Business and Personal Financial Needs


                                     


                     LAURENCE J. PINO, ESQ.












                    PRELIMINARY INTRODUCTION

                          INTRODUCTION

This book is designed as a legal handbook of real estate,
corporate, business, investment, and personal documents of
various  types.  It is intended to set out legal forms which are
not  readily available to Americans with provisions which are not
necessarily standard in forms that are purchased on the open
market.  The purpose of this book is to provide legally binding
contracts that take into account the numerous circumstances that
might affect the enforcement of agreements related to business
and investment areas as well as personal areas.  The Table of
Contents sets out the documents reproduced in this volume.

                      IMPORTANT DISCLAIMER

These forms are designed to provide accurate and authoritative
information in regard to the subject matters covered.  However,
these forms should not be relied upon without consultation with
an attorney or an accountant.  The law and terminology related
thereto may be different in each state.  In fact, in certain
states, some of these documents or provisions may not be
cognizable or recognized at all.  If specific legal advice is
required, the services of a professional in that field should be
sought and obtained.  Neither the writer, nor the publisher,
offers, through publication hereof, any legal or professional
advice or services to the purchaser.  Any oral representations
made to the contrary are hereby specifically disclaimed and
should not be relied upon.

                         LIMITED LICENSE

While these forms are copyrighted by the Publisher, the Purchaser
of this book is given a limited license to use the contents
hereof for the Purchaser's own personal use; not, however, for
reproduction or sale.

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                         ACKNOWLEDGMENTS

I would like to gratefully acknowledge the assistance of the very
fine staff at the law firm of Pino & Dicks, 24 South  Orange
Avenue, Orlando, Florida  32801, and especially the  assistance
of Patricia Wilson, a paralegal in my office, and  Cathy Simmons,
my legal secretary.
                                                               

Desktop Lawyer:  The Complete Book of Legal Forms for Real
Estate,Business and Personal Financial Needs.  Copyright 1985 by
The Open University, Inc.  All rights reserved.  No part of this
publication may be reproduced or transmitted without written
permission.  Revision and publication date:  November 1, 1989.


                        TABLE OF CONTENTS


    I.     INTRODUCTION

   II.     BASICS OF BUSINESS AND INVESTMENT LAW

  III.     BASICS OF THE COURTROOM

   IV.     CREATIVE LAWYERING

    V.     STRUCTURING A TRANSACTION

   VI.     CHECKLISTS

              A.     CHECKLIST:  PURCHASE OF REAL ESTATE
              B.     CHECKLIST:  SALE OF REAL ESTATE
              C.     CHECKLIST:  OPTION TO PURCHASE REAL ESTATE
              D.     CHECKLIST:  AGREEMENT FOR DEED
              E.     CHECKLIST:  HOW TO AVOID THE DUE ON SALE CLAUSE
              F.     CHECKLIST:  ORGANIZATIONS EXEMPT FROM INCOME TAX
              G.     CHECKLIST:  PURCHASE OF BUSINESS
              H.     CHECKLIST:  SALE OF BUSINESS
              I.     CHECKLIST:  MORTGAGE TRANSACTION
              J.     CHECKLIST:  EQUIPMENT LEASE
              K.     CHECKLIST:  PURCHASE OF A MORTGAGE
              L.     CHECKLIST:  CHAPTER "S" CORPORATION
              M.     CHECKLIST:  POSSIBLE TAX ELECTIONS FOR A NEW     
                           CORPORATION
              N.     CHECKLIST:  INCORPORATION
              O.     CHECKLIST:  NOT FOR PROFIT CORPORATIONS
              P.     CHECKLIST:  NONTAXABLE EXCHANGES OF PROPERTY
                           (S1031)
              Q.     CHECKLIST:  LIVING WILL
              R.     CHECKLIST:  LAST WILL AND TESTAMENT (WITHOUT     
                           TESTAMENTARY TRUST FOR THE BENEFIT OF
                           CHILDREN)
              S.     CHECKLIST:  LAST WILL AND TESTAMENT (WITH       
                           TESTAMENTARY TRUST FOR THE BENEFIT OF
                            CHILDREN)
              T.     CHECKLIST:  PERSONAL REPRESENTATIVE - THERE'S A
                           DEATH AND YOU'RE IN CHARGE
              U.     CHECKLIST:  GIFTS UNDER UNIFORM GIFT TO MINORS ACT
              V.     CHECKLIST:  GIFT/BORROW-BACK STRATEGY
              W.     CHECKLIST:  GIFTS TO INDIVIDUALS
              X.     CHECKLIST:  INTER-VIVOS TRUST
              Y.     CHECKLIST:  TOTTEN TRUST
              Z.     CHECKLIST:  ORGANIZING AN INVESTMENT CLUB
             AA.     CHECKLIST:  HOW TO SELECT A LAWYER
             BB.     CHECKLIST:  ARBITRATION AND MEDIATION
             CC.     CHECKLIST:  HOW TO GIVE A DEPOSITION
             DD.     CHECKLIST:  HOW TO RECONCILE A BANK STATEMENT

  VII.     GLOSSARY OF LEGAL TERMS 

 VIII.     FORMS AND LEGAL DOCUMENTS

              A.  BUSINESS

            101.  CONTRACT FOR SALE AND PURCHASE OF BUSINESS
            102.  STOCK PURCHASE AGREEMENT
            103.  NOTICE OF BULK TRANSFER
            104.  ABSOLUTE BILL OF SALE
            105.  SELLER'S AFFIDAVIT (SALE OF BUSINESS)
            106.  BUYER'S AFFIDAVIT (PURCHASE OF BUSINESS)
            107.  CLOSING AGREEMENT (BUSINESS CLOSING ONLY)
            108.  COMPLIANCE AGREEMENT
            109.  AFFIDAVIT OF NON-FOREIGN ENTITY (INDIVIDUAL)
            110.  AFFIDAVIT OF NON-FOREIGN STATUS (CORPORATION)
            111.  COVENANT NOT TO COMPETE
            112.  BUSINESS CLOSING STATEMENT
            113.  AFFIDAVIT AS TO BULK TRANSFER
                      114.  NOTICE UNDER FICTITIOUS NAME STATUTE
            115.  AFFIDAVIT UNDER FICTITIOUS NAME STATUTE
                      116.  AGREEMENT (SALES REPRESENTATIVE)
                      117.  LICENSE AGREEMENT
                      118.  SUPPLEMENT TO LICENSE AGREEMENT
                      119.  GRANT OF RIGHT TO USE NAME
                      120.  PARTNERSHIP AGREEMENT
                      121.  INVESTMENT CLUB PARTNERSHIP AGREEMENT
            122.  JOINT VENTURE AGREEMENT
            123.  PRODUCT LICENSE AGREEMENT
                      124.  BUSINESS AGENCY SALES AGREEMENT
                      125.  BUSINESS MANAGEMENT CONTRACT
                      126.  PERFORMING TALENT MANAGEMENT AGREEMENT
                      127.  TALENT AGENCY AGREEMENT   
                      128.  EMPLOYMENT AGREEMENT
                      129.  INDEPENDENT CONTRACTOR AGREEMENT
                      130.  COLLECTION DEMAND LETTER (FIRST)
                      131.  COLLECTION DEMAND LETTER (SECOND)
            132.  DEFAULT LETTER
                      133.  COLLECTION AGREEMENT
                      134.  SURETY AGREEMENT
                      135.  INVENTION NON-USE AGREEMENT
                      136.  SALES REPRESENTATIVE AGREEMENT
                      137.  CONSULTING AGREEMENT
                      138.  ATTORNEY'S RETAINER AGREEMENT
                      139.  BUSINESS TRUST
                      140.  BANK ACCOUNT RECONCILIATION FORM
                      141.  BUSINESS NON-DISCLOSURE AGREEMENT
            142.  NON-PIRACY AGREEMENT
            143.  NON-SOLICITATION AGREEMENT
            144.  MONTHLY STATEMENT RECONCILIATION
                  BROKER'S REAL ESTATE TRUST ACCOUNT


              B.  INVESTMENT

                      201.  THIRD PARTY RENTAL AGREEMENT
                      202.  PROMISSORY NOTE
                      203.  PURCHASE MONEY PROMISSORY NOTE
                      204.  SECURITY AGREEMENT
                      205.  MASTER EQUIPMENT LEASE
                      206.  STATEMENT OF COSTS (MORTGAGE FINANCING)
                      207.  DISCLOSURE STATEMENT (TRUTH IN LENDING - FIXED
                  RATE)
                      208.  OWNER'S AFFIDAVIT
                      209.  ACKNOWLEDGMENT OF REVISED CLOSING COSTS
                      210.  WAIVER OF THREE DAY RIGHT OF RESCISSION       
                  (EXTENSION OF EXISTING LOAN)
                      211.  WAIVER OF THREE DAY RIGHT OF RESCISSION (NEW 
                  FINANCING)
                      212.  NOTICE OF RIGHT TO CANCEL (RIGHT OF RESCISSION)
                      213.  LETTER TO INSURANCE COMPANY ADVISING OF NEW   
                     MORTGAGE
                      214.  PAYOFF TRANSMITTAL LETTER
                      215.  BORROWER'S OPINION LETTER

              C.  CORPORATE

                      301.  ARTICLES OF INCORPORATION
                      302.  TRANSMITTAL LETTER FOR ARTICLES
                      303.  BY-LAWS
                      304.  NON-PROFIT ARTICLES OF INCORPORATION (FOR USE
                  BY OTHER THAN PRIVATE FOUNDATIONS)
                      305.  NON-PROFIT ARTICLES OF INCORPORATION (FOR USE
                  BY PRIVATE FOUNDATIONS)
                      306.  NOT FOR PROFIT ARTICLES OF INCORPORATION WITH 
                  TRANSMITTAL LETTER
                      307.  NON-PROFIT BY-LAWS
                      308.  LETTER TO SECRETARY OF STATE REQUESTING       
                  RESERVATION OF CORPORATE NAME
                      309.  STATEMENT OF CHANGE OF REGISTERED OFFICE OR   
                  REGISTERED AGENT, OR BOTH
                      310.  CERTIFICATE DESIGNATING REGISTERED OFFICE FOR 
                  SERVICE OF PROCESS WITHIN THE STATE AND NAMING
                  THE REGISTERED AGENT UPON WHICH PROCESS MAY BE
                  SERVED
                      311.  ARTICLES OF AMENDMENT FOR NAME CHANGE
                      312.  TRANSMITTAL LETTER FOR AMENDMENT
                      313.  CERTIFICATE OF AMENDMENT OF BY-LAWS
                      314.  RESOLUTION CHANGING CORPORATE NAME
                      315.  CORPORATE BANK RESOLUTION
                      316.  STATEMENT OF ELECTION TO AMORTIZE EXPENSES OF 
                  ORGANIZING A CORPORATION
                      317.  MINUTES OF FIRST MEETING OF INCORPORATORS
                      318.  WAIVER OF NOTICE OF MEETING OF INCORPORATORS
                      319.  MINUTES OF JOINT ANNUAL MEETING OF STOCKHOLDERS
                  AND DIRECTORS
                      320.  WAIVER OF NOTICE OF JOINT ANNUAL MEETING OF   
                  STOCKHOLDERS AND DIRECTORS
                      321.  RATIFICATION OF MINUTES
                      322.  SPECIAL RATIFICATION OF MINUTES
                      323.  PROXY
                      324.  SUBSCRIPTION AGREEMENT
            325.  OPTION TO PURCHASE STOCK
                      326.  STOCK REDEMPTION AGREEMENT
                      327.  STOCKHOLDERS AGREEMENT
                      328.  NOTICE OF DISSOLUTION OF PARTNERSHIP
                      329.  BILL OF SALE AND AGREEMENT (FOR INCORPORATING A
                  GOING BUSINESS)
                      330.  MINUTES OF THE JOINT SPECIAL MEETING OF       
                  SHAREHOLDERS AND DIRECTORS (TO LIQUIDATE)
                      331.  WAIVER OF NOTICE OF SPECIAL MEETING OF       
                  SHAREHOLDERS AND DIRECTORS (TO LIQUIDATE)

              D.  ASSET PROTECTION AND ESTATE PLANNING

                      401.  DURABLE FAMILY UNRESTRICTED POWER OF ATTORNEY
                      402.  ANATOMICAL GIFT
                      403.  LIVING WILL (Liberal)
                      404.  LIVING WILL (Restrictive)
                      405.  LAST WILL AND TESTAMENT (WITHOUT TESTAMENTARY
                  TRUST FOR THE BENEFIT OF CHILDREN)
                      406.  LAST WILL AND TESTAMENT (WITH TESTAMENTARY 
                  TRUST FOR THE BENEFIT OF CHILDREN)
                      407.  ADVANCE APPOINTMENT OF GUARDIAN/CONSERVATOR
                      408.  DEED OF GIFT
                      409.  GIFTS UNDER UNIFORM GIFTS TO MINORS ACT
                      410.  GIFT OF BONDS TO MINOR UNDER THE UNIFORM GIFT
                  TO MINORS ACT
                      411.  SHORT TERM TRUST AGREEMENT (CLIFFORD)
                      412.  TRUST AGREEMENT
                      413.  TRUST AGREEMENT (A-B TRUST)
                      414.  LIFE INSURANCE TRUST AGREEMENT
                      415.  CHILDREN'S TRUST AGREEMENT
                      416.  SPENDTHRIFT TRUST AGREEMENT
                      417.  RECORD OF PERSONAL AND BUSINESS INFORMATION FOR
                   ESTATE PLAN
                      418.  SURROGATE AGREEMENT
                      419.  FAMILY LIMITED PARTNERSHIP AGREEMENT
         E. PERSONAL

            501.  CONTRACT FOR SALE OF PERSONAL PROPERTY
                      502.  GENERAL POWER OF ATTORNEY
                      503.  LIMITED POWER OF ATTORNEY
                      504.  ANTENUPTIAL AGREEMENT
                      505.  PROPERTY SETTLEMENT AGREEMENT (PENDING       
                  DISSOLUTION OF MARRIAGE)
                      506.  ALIMONY AGREEMENT IN UNCONTESTED DIVORCE
                      507.  GENERAL RELEASE
                      508.  INDIVIDUAL INCOME TAX QUESTIONNAIRE WORKSHEET
                      509.  ZERO TAX BRACKET PLAN

              F. REAL ESTATE

                      601.  AGREEMENT FOR PURCHASE AND SALE OF REAL ESTATE
                      602.  AGREEMENT FOR PURCHASE AND SALE OF REAL ESTATE
                      603.  AGREEMENT FOR PURCHASE AND SALE OF REAL ESTATE
            604.  ADDENDUM FOR ATTACHMENT TO STANDARD CONTRACT
                      605.  CONDOMINIUM PURCHASE AGREEMENT
                      606.  AGREEMENT FOR EXCHANGE (SEC. 1031 AGREEMENT)
                      607.  AFFIDAVIT AND MEMORANDUM OF AGREEMENT FOR   
                  PURCHASE AND SALE
                      608.  EARNEST MONEY ESCROW AGREEMENT
            609.  CLOSING TRANSMITTAL LETTER
            610.  REAL ESTATE CLOSING AGREEMENT
                      611.  REAL ESTATE CLOSING STATEMENT
            612.  AFFIDAVIT OF NON-FOREIGN ENTITY (INDIVIDUAL)
                      613.  AFFIDAVIT OF NON-FOREIGN STATUS (CORPORATION)
                      614.  SELLER'S AFFIDAVIT (SALE OF REAL ESTATE)
                      615.  BUYER'S AFFIDAVIT (PURCHASE OF REAL ESTATE)
                      616.  AGREEMENT FOR DEED
                      617.  NOTICE FOR TERMINATION OF AGREEMENT FOR DEED
                  UPON DEFAULT
                      618.  OPTION TO PURCHASE REAL ESTATE
                      619.  EXERCISE OF OPTION
                      620.  ASSIGNMENT FOR SECURITY ONLY
                      621.  MORTGAGE NOTE
                      622.  MORTGAGE AND SECURITY AGREEMENT
                      623.  WRAP-AROUND MORTGAGE AND SECURITY AGREEMENT
                      624.  BALLOON MORTGAGE AND SECURITY AGREEMENT
                      625.  EQUITY PARTICIPATION LOAN COMMITMENT LETTER
                      626.  ASSIGNMENT OF RENTS AND LEASES
                      627.  AFFIDAVIT OF MORTGAGOR
                      628.  ESTOPPEL AFFIDAVIT OF MORTGAGOR
                      629.  ESTOPPEL AFFIDAVIT OF MORTGAGEE
                      630.  SATISFACTION OF MORTGAGE
                      631.  ASSIGNMENT OF MORTGAGE
                      632.  PARTIAL RELEASE OF MORTGAGE
                      633.  TENANT'S SUBORDINATION AGREEMENT
                      634.  COMMERCIAL LEASE AGREEMENT
                      635.  RETAIL AND OFFICE LEASE AGREEMENT
                      636.  RESTAURANT LEASE
                      637.  SHORT FORM OFFICE LEASE
                      638.  MULTIPLE TENANT LEASE AGREEMENT
                      639.  SHORT FORM RESIDENTIAL LEASE AGREEMENT
                      640.  RESIDENTIAL LEASE AGREEMENT
                      641.  PET AGREEMENT
                      642.  PROPERTY MANAGEMENT FOLLOW-UP LETTER
                      643.  REAL ESTATE SUBLEASE
                      644.  LEASE ASSIGNMENT
                      645.  ALTERNATE LEASE ASSIGNMENT
                      646.  FIRST NOTICE OF LATE RENT PAYMENT
                      647.  SECOND NOTICE OF LATE RENT PAYMENT
                      648.  FINAL NOTICE OF LATE RENT PAYMENT
            649.  LEASE DEFAULT LETTER
                      650.  REAL ESTATE MANAGEMENT CONTRACT
                      651.  NON-EXCLUSIVE RIGHT OF SALE CONTRACT
                      652.  EXCLUSIVE RIGHT OF SALE CONTRACT
                      653.  BUYER-BROKER AGENCY AGREEMENT
                      654.  GENERAL REAL ESTATE PARTNERSHIP AGREEMENT
                      655.  GENERAL REAL ESTATE PARTNERSHIP AGREEMENT 
                  COUPLED WITH POWER OF ATTORNEY
                      656.  LIMITED PARTNERSHIP AGREEMENT
                      657.  LIMITED PARTNERSHIP AGREEMENT (ALTERNATE)
                      658.  CERTIFICATE OF LIMITED PARTNERSHIP
                      659.  SUBSCRIPTION AGREEMENT AND RECEIPT
                      660.  REAL ESTATE SHARED EQUITY PARTICIPATION       
                  AGREEMENT
                      661.  AFFIDAVIT AND MEMORANDUM OF REAL ESTATE SHARED
                  EQUITY PARTICIPATION AGREEMENT
                      662.  CONSTRUCTION AGREEMENT
                      663.  SUBCONTRACTOR AGREEMENT
            664.  ARCHITECT'S AGREEMENT
                      665.  SATISFACTION OF LIEN
                      666.  QUIT-CLAIM DEED
                      667.  WARRANTY DEED
                      668.  AGREEMENT AND DECLARATION OF TRUST (ILLINOIS
                  LAND TRUST)
                      669.  NOTICE OF RESIGNATION OF TRUSTEE
                      670.  CERTIFICATE OF RESIGNATION OF TRUSTEE
                      671.  CERTIFICATE OF APPOINTMENT OF SUCCESSOR TRUSTEE
                      672.  ACCEPTANCE OF OFFICE OF TRUSTEE
                      673.  ASSIGNMENT OF BENEFICIAL INTEREST IN TRUST
                      674.  AGREEMENT FOR PURCHASE AND SALE (FOR USE IN
                  CONJUNCTION WITH 1031 EXCHANGE AGREEMENT)

               COMPUTER DISKETTE TABLE OF CONTENTS

IBM WordPerfect*

     Diskette 1     Table of Contents, Basics of Business and
                    Investment Law, Basics of the Courtroom,
                    Creative Lawyering, Structuring a
                    Transaction, Forms 101 - 110
     Diskette 2     All Checklists
     Diskette 3     Forms 112 - 303
     Diskette 4     Forms 304 - 415
     Diskette 5     Forms 416 - 619
     Diskette 6     Forms 620 - 635
     Diskette 7     Introduction, Forms 636 - 657
     Diskette 8     Forms 658 - 674

IBM ASCII Format*

     Diskette 1     Table of Contents, Basics of Business and
                    Investment Law, Basics of the Courtroom,
                    Creative Lawyering, Structuring a
                    Transaction, Forms 101 - 110
     Diskette 2     Introduction, All Checklists
     Diskette 3     Forms 112 - 303
     Diskette 4     Forms 304 - 415
     Diskette 5     Forms 416 - 619
     Diskette 6     Froms 620 - 635
     Diskette 7     Forms 636 - 657
     Diskette 8     Forms 658 - 674

Apple Format

     To print a hard copy diskette table of contents off of your
Apple computer, insert disk 1.  Displayed will be various files
within folders.  The one file that is not in a folder is named
"ROADMAP".  "ROADMAP" contains a diskette table of contents and
one merely prints "ROADMAP" to obtain a hard copy.


*    THESE MIGHT BE SOMEWHAT INACCURATE TO THE EXTENT THAT NEW
     DOCUMENTS ARE BEING RE-FORMATTED.