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Recent Blog Posts

Lost Your Paper Treasury Bonds?

If you misplace your paper Series EE US Treasury Bonds, the Treasury can replace the bond with a substitute electronic version. You can request this by completing and submitting Form PDF 1048 to the Treasury. Note that if you do not know the serial numbers of the missing bonds, you will have to provide the […]

Beware of Hidden Medical Expenses

Before surgery, many patients mindlessly sign consent forms upon consent forms. As we have seen time and time again, when patients are in need of surgery, many are not in a good position to bargain or “shop around.” This vulnerability, however, makes such patients susceptible to surprise medical fees. In an article posted by The New […]

Guest Post: Ways to Protect Yourself From Identity Theft

A friend and colleague, Tim Watters, posted an article on his website about the very serious issue of identity theft, and what to do to protect yourself. I am reposting with his permission. Over the past year, I have had a number of clients have identity theft incidents. Clients have had collection agencies contact them about  outstanding […]

“ICE” (In Case of Emergency) Advice

Old School: My clients know that I recommend keeping a card with you at all times that contains all your important personal and medical information in case of emergency. EMTs and paramedics are trained to look for emergency cards in the following places: 1 – Automobile – Glove Compartment 2 – Pedestrians – Wallet or Purse […]

Did You Know? 401(k) Loans

Generally, loans taken from 401(k) plans must be repaid within five (5) years in “substantially level payments,” including principal and interest, at least quarterly. Loan repayments may be suspended for a one (1) year leave of absence, but the loan must still be repaid within the original five (5) year period. If the loan was […]

Guest Post: Independent Contractors v. Employees

A friend and colleague, Audra Schwartz, Esq., posted this important business law update on her website. I am reposting with her permission. NJ ALERT—Earlier this month, the New Jersey Supreme Court in Hargrove v. Sleepy’s, LLC, decided that the “ABC” test set forth in the New Jersey Unemployment Compensation Act, will be used to determine whether […]

Emergency Update: IRS Phone Scam

Unfortunately, one of our clients just got fleeced for “everything” he had. We usually send out emails about scams once a year or so, but in light of what happened to our client we are posting this emergency update. Don’t be fooled: anyone who calls claiming to be from the IRS is lying. If someone contacts […]

Premarital Wills

NJSA 3B:5-15 provides that if a person had a Will, and later married but did not update the Will, then the surviving spouse a share of the Estate equal to the “intestate share” as though the Testator died intestate. The Legislature assumes that the person forgot to update his or her Will and would want […]

Asset Preservation Tips

Below are some tips to help you preserve and accumulate your assets. Many of these are common sense, but can be easily overlooked. 1. Stay healthy: Live a healthy lifestyle. 2. A “Stitch in Time”: Take care of any problems—medical, financial, personal—as soon as they arise. 3. Review and Pay Insurances: Know what you have […]

Is It Legal to Record Conversations?

Both NY and NJ are “One Party Consent States,” meaning that as long as you have the consent of one person who is party to a communication (or if you yourself are party to the communication), it is legal for you to record (or “intercept”) said communication. However, NJ specifies that just because you own […]

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