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May 2017
Ambord
Dollar Sense

Potpourri: What You Should Know to Protect Your Benefits, Your Rights and Your Assets

What should you do if your loved one has passed away, leaving important items in a safe deposit box that you can’t access? The answer depends on the state where the safe deposit box is, which means you may have to contact an attorney in that state.

Ambord
Dollar Sense

Some of the Often Unknown, But Important Facts about Trusts, Estate Planning and Probate

If you later got divorced or are in the process of divorce, you should take time to review your estate plan as soon as possible. It’s surprisingly common for divorced spouses to forget to change the beneficiaries on their life insurance and retirement accounts.

David
Legal Ease

All in the Family

If my son is still living with me at the time of my death, what will his rights be regarding living at the house, or will he have any rights? Will my daughter, who is trustee of my trust, have the right to ask him to leave, and if so, how long will he have before he actually has to vacate the house?

April 2017
Ambord
Dollar Sense

How Safe are Your Bank Deposits?

If your money is in a bank that isn’t FDIC-insured, you may have to wait until the bank’s assets are sold to get a portion of your money back. You’ll likely be in line behind a long list of creditors. The FDIC estimates you’ll lose an average of 28 cents on the uninsured dollar you have deposited.

David
Legal Ease

When Good Intentions Go Bad

What you are suggesting doing is what many older people do with their children in an effort to avoid the cost of engaging in estate planning, and because they feel it is a simpler approach and gets them to the same place. However, there are some inherent disadvantages in doing what you suggest.

March 2017
Ambord
Dollar Sense

Do You Employ a Household Worker? Don’t Run Afoul of the Law

If you’re an employer, then you have tax obligations if you pay one individual $2,000 or more in one calendar year. If you pay $1,000 in a quarter to one employee, you may need to pay federal unemployment tax, and possibly state unemployment...This does not apply to wages paid to your spouse, parent, or your child who is under 21.

Ambord
Dollar Sense

Get Through Tax Season Unscathed

Deducting Fido. Don’t we all complain that our beloved pets should be tax deductible, given that we probably spent more on their upkeep than we spend on ourselves? But unless Fido is an actual junkyard dog and you own the junkyard, you can’t claim his expenses.

Ambord
Dollar Sense

Keep Up with the Latest Scams Designed to Steal Your Money

Suppose you never agree to buy anything, but soon you learn that you have indeed agreed to a purchase. When you dispute the charges, the scammers trot out a recorded sales pitch which includes you saying “yes” to the purchase. Of course, the conversation has likely been heavily edited, if not totally fabricated.

David
Legal Ease

You Can Give Your Estate to Anyone You Want, But Here’s How to Avoid the Possible Ensuing Conflicts

You absolutely have the right to distribute the bulk of your estate to charity and you are not required to leave anything to your children. However, to avoid any legal challenges from your children ... include a provision in your will – and if you have one, your trust – that you are not unmindful of your children, but you have intentionally omitted them as beneficiaries ..

February 2017
Ambord
Dollar Sense

Butter is for Churning – Not Your Finances: Do You Know what Your Financial Advisor Is Really Up To?

CNBC defines churning this way: It involves “trading in and out of securities — often over a short period of time — in a way that serves no purpose for the investor but generates commissions for the broker.”

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Courts have said that generally for a conservative investor, the annualized turnover rate of two suggests there may be churning. A turnover rate of four presumes churning, and six or more is conclusive of excessive trading.

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