Now that you are recently divorced, what should you do with your estate plan?

On the wedding day nobody expects to get divorced ever. We often think we will ride off into the sunset and live happily ever after. However, the sun rises the next day and problems occur. A day of problems turns into weeks of problems and then into years of problems. Your friends tell you there is a light at the end of the tunnel, and they are right; however, it is the headlight from an oncoming freight train called divorce.

What to do when your child returns to college after the holidays.

We are all worried about our children and especially what would happen to them if they got a severe case of Covid-19 and needed parental help while away at college.
When your child turned age 18, they became an adult in the eyes of the government.  And, although you may think they are still a kid, they have many rights that come with adulthood.


On the surface, a reverse mortgage seems like an excellent way to supplement your retirement income. By using your house as collateral, a bank will pay you (instead of you paying them) its equity (value) back to you in monthly installments. By taking into account their hidden fees and with the eventual loss of title of ownership, the following paragraphs will argue that this type or mortgage may not be such a great idea after all. The reverse mortgage originated in 1989. In that year, the Federal Housing Administration, under the direction of the U.S. Department of Housing and Urban Development, started a program called Home Equity Conversion Mortgages. As Mortgages in Canada are available to property owners over the age of 62, their relative ease in being obtained and popularity through clever advertising, made them grow at an exponential rate. Some Expert Witnesses claim that these home loans covered even the post-construction procedures, such as surveys and inspections. Under their terms, the home being mortgaged must be your primary residence. The amount of money that can be paid to you is based upon the equity of your house. If you have other mortgages in force (with using your home as collateral), the remainder of your equity will be the basis upon which the funds will be derived. Payments made you can be in one lump sum, in installments for the rest of your life, or as a credit line. Another plus is that this source of income is not subject of income tax. The duty to repay the loan is deferred until either: your die (as being the...


As we, our parents and relatives age, their ability to live independently eventually becomes unsafe, unrealistic—or both. One option in having them avoid the very real possibilities of household accidents and injuries can be found in convincing our elder loved ones to reside in assisted living facilities. Not to be confused with convalescent homes, assisted living accommodations are less expensive and offer options that can enable seniors to enjoy a large degree of autonomy. They range from single residences to multi-level apartment complexes. Visually, they are more appealing than nursing homes (without their depressing atmosphere). In addition, they provide a more traditional residential ambiance in that they have reading areas, kitchenettes and private sleeping quarters. What also distinguishes them from a convalescent setting is that they reinforce “activities of daily living” or ADL’s (morning routines, bathing, preparing meals, and getting dressed). This is provided by staffing case managers who instruct and recommend more efficient ways to help them continue to live independent lives. In many ways, it is the best of both worlds. Seniors are able to have onsite care/support as needed, while being able to enjoy their golden years in a safe, independent environment. Tenants are encouraged to participate in group activities (such as shuttle service to attend concerts, movies, and casinos). In addition, many are allowed to have small pets live with them. As they age, seniors can transition to an elder care facility once it becomes evident that intensive medical care and attention are needed. According to Arizona Assisted Living Cost, assisted living facilities are regulated at the state level. In general, these facilities are required...


Federal law always overrides state law. This is certainly the case with respect to federal gun laws and drug use. Although California law allows marijuana to be used medicinally and recreationally (but not with its wholesale distribution and sale), the federal Bureau of Alcohol, Tobacco, and Firearms, and Explosives deems ANYONE who uses marijuana—whether as a personal choice or under the prescription of a doctor, to be acting in an “unlawful” manner. Whereas California lawmakers view this drug in a lesser light from other types of narcotics, (surprisingly) the federal government classifies marijuana in the same category as heroin. The giving, “gifting,” or the transfer of firearms to beneficiaries from decedents carries with it a great deal of unimaginable risks involved with violating federal gun laws. These can range from being ordered to pay heavy fines to outright imprisonment! For example, before you can legally receive an inherited firearm, you will first need to apply/receive a Federal Firearm License (FFL). In addition, you will also need state firearm license from Sacramento. If the feds discover through their rigorous background checks that you are a medical marijuana patient or are casually using this drug, your application will be both denied AND you will be banned forever from legally owning a gun or even 556 ammo—it’s as simple as that (remember—federal law always trumps state law). Instead of unintentionally breaking the law and becoming felons, beneficiaries need current information with respect to firearm transfers. Our law firm retains the services of a local firearms consultant who can assist you with expert advice needed to avoid these potential pitfalls....