Listen to Lawrence…Answering your Title Theft questions

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Dear clients and friends: READER QUESTION: I hear that homeowners are having their titles stolen and have lost their homes to this thievery. Title theft warning services are being sold on TV to supposedly protect you from this practice when Lifelock, etc. won’t. Would having a mortgage on your home make …

Listen to Lawrence – Caregiver Agreements

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Dear clients and friends, I’d like to share another article which might be of special interest to some of my clients from the Special Needs Alliance, an organization of which I was one of the founding members. You can find many more helpful articles and resources on the Special Needs …

Listen to Lawrence…FDIC: Corporation/Partnership/Unincorporated/Government Accounts

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LISTEN TO LAWRENCE Dear clients and friends, This LISTEN TO LAWRENCE installment introduces the last two categories of separate FDIC insurance: CORPORATION/PARTNERSHIP/UNINCORPORATED ASSOCIATION ACCOUNTS and GOVERNMENT ACCOUNTS. Remember, this insurance is in addition to the insurance you get from each of the other categories discussed in my previous emails. FDIC …

Listen to Lawrence…Podcast Explaining the Secure Act

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LISTEN TO LAWRENCE…Literally! Dear clients and friends, Hopefully, you listened to and enjoyed my two podcasts (Comparative Elder Law: New York and NY Medicaid Planning – A Comparison) hosted by my friend and fellow Elder Law attorney, Robert Fleming of the Elder Law firm, Fleming and Curti, PLC. If you …

Listen to Lawrence – FDIC: Employee Benefit Plan Accounts

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LISTEN TO LAWRENCE Dear clients and friends, FDIC PART 9: EMPLOYEE BENEFIT PLAN ACCOUNTS This LISTEN TO LAWRENCE installment introduces the sixth category of separate FDIC insurance, EMPLOYEE BENEFIT ACCOUNTS, at an insured bank. Remember, this insurance is in addition to the insurance you get from each of the other categories, including …

FDIC Part 8: Certain Retirement Accounts

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LISTEN TO LAWRENCE Dear clients and friends, FDIC PART 8: CERTAIN RETIREMENT ACCOUNTS This LISTEN TO LAWRENCE installment introduces the fifth category of separate FDIC insurance, CERTAIN RETIREMENT ACCOUNTS at an insured bank. Remember, this insurance is in addition to the insurance you get from each of the other categories …

Listen to Lawrence…Literally! Invitation to a Podcast.

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Dear clients and friends, During the height of the pandemic when our physical office was closed, I was running my legal practice from Tucson, Arizona. Hey, why not? While I was there, I visited Robert Fleming, a nationally known Elder Law attorney and partner of Fleming and Curti, PLC. I …

Listen to Lawrence…FDIC Question from a Client

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Dear clients and friends, FDIC QUESTION FROM A CLIENT Per your advice, all my beneficiaries say: 50% to the Trustee of the Trust for the Benefit of XXX XXXX under the Mike & Carol Brady Family Trust dated 10/13/08 (names changed to protect the innocent). Does this meet the requirement …

Listen to Lawrence…FDIC – Irrevocable Trusts

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Dear clients and friends, FDIC PART 7 A: IRREVOCABLE TRUSTS This LISTEN TO LAWRENCE installment introduces the fourth category of separate FDIC insurance, the IRREVOCABLE TRUST account, at an insured bank. Remember, this insurance is in addition to the insurance you get from each of the other categories and these …

Listen to Lawrence – FDIC – Revocable Trust Category

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Dear clients and friends, FDIC PART 6 B This is a continuation of the last one where I discussed FDIC (and NCUA) insurance protection under the REVOCABLE TRUST category. There are a couple of formal requirements you have to follow to get the insurance protection under the REVOCABLE TRUST category, …

Listen to Lawrence…FDIC Part 6 – REVOCABLE TRUSTS

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LISTEN TO LAWRENCE Dear clients and friends, FDIC PART SIX A In a prior email, called FDIC PART TWO, I introduced the concept that you are entitled to $250,000 of FDIC insurance protection per depositor, per bank and per ACCOUNT OWNERSHIP CATEGORY…..and that there are eight categories. This email will …

Listen to Lawrence – FDIC – Joint Accounts

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Dear clients and friends, In a prior email, called FDIC PART TWO, I introduced the concept that you are entitled to $250,000 of FDIC insurance protection per depositor, per bank and per ACCOUNT OWNERSHIP CATEGORY…..and there are eight categories. IN FDIC PART FOUR, I discussed the first category, SINGLE ACCOUNTS. …