Living Issues Archives - Timins Law Group

When Bill Met Jordan: Does Dad Really Need Protection From Himself?

Posted on May 8, 2025

When Bill Met Jordan: Does Dad Really Need Protection From Himself? It sounds like the most exhausting romcom script a Hollywood agent has to read since the script where Adam Sandler tried to date Jennifer Aniston for a seventh movie: Aging, successful NFL coach is on a flight, sits next to college cheerleader, orders her a Cherry Mojito, and every category of “journalist” gets a seat at the dinner table. Cheerleader (starring Jordan Hudson) starts dressing scantily and acting like a boss, Coach (played by Bill I’m-Still-Pinching-Myself Belichick) is allowed to visit her dorm room and stream Netflix and stuff. Tabloids and families shriek “Dad is falling under the spell of Young Girl,” Young Girl exerts more influence, buys

PROTECT YOUR MONEY BY FREEZING YOUR CREDIT NOW

Posted on April 3, 2025

PROTECT YOUR MONEY BY FREEZING YOUR CREDIT NOW Your personal financial information is worth stealing. And it is also worth defending. The unfortunate truth is you cannot stop your identity from being stolen, but you can still protect your credit and money when your identity is stolen. We all go out of our way to defend our Social Security Number and credit card information, we do not answer phone calls from Wichita or Biloxi or Chevy Chase (the place and the person), and we uncontrollably yell at ourselves with crazy eyes in the mirror every time we open an email attachment from a suspicious address. Sadly, while we are doing everything we can to protect our financial information,

What Should I Keep (and Not Keep) in My Home Safe?

Posted on February 14, 2025

What Should I Keep (and Not Keep) in My Home Safe? A home safe is like a kitchen knife: Nicey and slicey when used precisely, but dicey and pricy if you are too feisty. While bank safe deposit boxes require you to visit your bank during operating hours (and Court oversight to open after you have died), a safe at home allows you access to your belongings and information at all hours with no bank manager looking over your shoulder, and no monthly fee. On the flip side, burglary or a party absconding with your safe’s contents may be a concern. So here is a list of suggestions you should consider before you fill your safe. What to Keep

Don’t Let Aunt Mildred’s Photo ID Expire

Posted on December 20, 2024

You will need valid photo identification for the remainder of your life. From signing legal documents to opening new bank accounts, government offices and financial organizations require valid picture identification to legally transact business. So it is concerning to learn that most elderly individuals do not have any valid photo ID, and downright frustrating to realize this lack of legal photo identification can cost families tens of thousands of dollars during the last years of their loved ones’ lives. As we age, our photo identification expires and is not renewed for mostly predictable reasons: People no longer plan on traveling so they do not renew their passport, they move in with a family member or to an assisted living

Living Wills in New York May be Useless

Posted on November 14, 2024

There are few rational reasons to having a Living Will in New York, almost no legal benefits to having one, and Living Wills may cause more confusion than guidance in your final days of life. There are several misperceptions concerning what a Living Will actually is. For starters, the very name “Living Will” is a misnomer: It is neither a living document (because it discusses your desire to have someone “pull the plug” on life sustaining measures), nor is it a will (a document which distributes property upon your death). Some people refer to this document as an “Advanced Directive”, but I am pretty sure the Advanced Directive is a Star Trek term regarding Captain Kirk’s alien kissing fetish or

Thinking About Divorce? Sign Your Will First

Posted on May 22, 2020

Unless there is a prenuptial agreement stating your husband or wife gets nothing when you pass away, if you are married when you die your spouse often has several rights to your estate. Some states, such as New York, entitle your spouse to at least 1/3 of your gross estate even if you leave them nothing, and if you own property with them jointly they get all of that property when you die. And even worse, if you don’t do any estate planning your spouse may be the sole beneficiary of your estate. So if your marriage is failing I suggest that you fire the first shot at your partner and disinherit them before you file for divorce. For people

Some of the Many Reasons Estate Attorneys Should NOT Work with Citibank

Posted on January 13, 2020

While I have made sweeping generalizations that corporate trustees will take money from you faster than hitting after you draw 17 in Vegas, it’s pretty rare that I overtly criticize a particular financial institution in my blogs. But since I can’t hide my frustration anymore (and since proving libelous behavior requires a written statement to be untrue, which none of the following is) I feel it is time to send out a warning to my Estate Planning and Elder Law attorney colleagues: Do NOT work with Citibank, and tell your clients not to, for the following reasons: The Inmates Get the Keys to the Asylum: Citibank allows their desk clerks to review your legal documents and make their own assessment

When “Transfer On Death” Accounts Go Bad

Posted on January 7, 2020

If you have ever had to deal with a complicated or contested Probate over a family member’s Will, you know that a lot of your problems would have been avoided if funds had instead been held in Transfer On Death [“TOD”] accounts: While Probating a Will requires a lot of court paperwork, time, and the cost of paying an attorney to help navigate through the proceeding, TOD accounts transfer as Operation of Law assets, meaning all the beneficiary of the account has to do is show up with an original death certificate. But sometimes TOD accounts are not properly set up, cause confusion or secrecy where none was desired, or end up being transferred to people you don’t want them

Getting Divorced? Leave Children’s Life Insurance to a Trust

Posted on November 15, 2019

As a member of the First Spouse Turned Demogorgon Club, I can tell you with hindsight that divorce can be a wonderful thing: No more arguments, no more awkward Thanksgivings with creepy in-laws, no more washing the dishes during prime football hours. But at the same time, divorce is almost never positive during the initial process, self-doubt and anger consumes you, and (ultimately) you will have to deal with financial matters, particularly if you have minor children. And when child support or maintenance is in the picture, your former best friend is going to want to make sure that cool hard cash is still there if you pass away during the payment period. So, purchasing life insurance to cover your

What You Can Do Now to Help Your Parents Apply for Medicaid

Posted on June 28, 2019

You may have heard it before: Someone’s elderly parent or grandparent breaks their hip or had a stroke or any one of the thousands of things that can happen to us when we start drinking Ensure for lunch, and now the family needs to apply for Medicaid for that person’s long term care needs. But the family members are having all types of trouble finding the necessary documents that Medicaid requires, such as marriage certificates, identification, proof of Social Security, tax returns, copies of all financial statements, the list is pretty lengthy. So, what can your parents do now to help you apply for Medicaid for them at some point in the future? 1. Draft a Power of Attorney: Having a