Category Archives: Reverse Mortgages

Homestead Protection for Trusts

Revocable Trusts can be a good way to protect your assets from the probate process. Properly drafted and executed, assets will automatically transfer to your loved ones upon your passing. It also allows you to retain control over your assets while you are alive and gives you the ability to alter the trust as you see fit.

A common misconception regarding a Revocable Trust, however, is that they have some ability to protect your assets from creditors. It is important to know that this is not the case. Because you retain primary control of your assets, with the ability to alter the trust at any time, creditors are still able to access the assets to satisfy debts.

Fortunately for Massachusetts Residence, there is a way to protect your home from most creditors while having it in a Revocable Trust. This protection is known as the Homestead Protection Act.

The Homestead Protection Act, protects your primary residency from unsecured creditors. These creditors are, for example:

  • Someone that slips and falls on your property
  • Medical Bills
  • Credit Card Bills
  • Someone that sues you for something that happens while you are on the job
  • Someone you get into a car accident with; and
  • Many more

The Homestead automatically protects the equity in your home for up to $125,000.00. But, many Massachusetts residence own homes that are worth more than $125,000.00. For these individuals, a Homestead can be filed with the Registry of Deeds and the protection will be increased to $500,000.00. For many this is the difference between a completely protected home and a home that is vulnerable to creditors.

Before March of 2011, this protection was only available to individuals that owned their homes in their own name. Once the property was placed into trust, the protection was lost. However, in March of 2011 the Homestead Act was extended to properties held in revocable trusts if proper requirements were met. A homestead must be filed with the registry of deeds and it must state that the property is owned in trust and that the primary beneficiaries currently or intend to live in the property as their primary residency. Once this is done, your home will have the best of both worlds; the future protections of a trust and the present protections of the Homestead Protection Act.

By putting your property in trust, you are saying that you are concerned about the loved ones that you will leave behind. You are allowing your loved ones the ability to avoid the probate process and the time and money that goes along with it. It only makes sense that you would want to take this simple step to protect one of your most valuable assets while you are alive. By putting your property into a trust with a Homestead Protection, you are protecting it from both the probate process and most creditors.

Click here to read the homestead law.

Please contact Topkins & Bevans to learn more about this important protection and how to obtain it today. firm@topbev.com or bmartin@topbev.com

Tax Time Considerations: Estate Plan? Yes

This is the time of the year when all of us have no choice but to pour through our bank statements, credit card statements, checks and acknowledgments from charities regarding contributions. Whether you prepare your own tax returns, or have a professional assist you, the first step is always to gather together data from the past year and assemble it into a form which will permit the preparation of an accurate tax return.

While you are going through this data-producing exercise, you might want to consider your Will, and other elements of your Estate Plan, at the same time. While your Estate Planning documents focus more on whom you would want to take charge of your assets, and to whom, and in what amounts you wish your assets to be distributed, preparation for getting your Estate Plan in shape is not that much different from getting your tax information together. Perhaps, you have an Estate Plan, but it was executed many years ago and the people you selected to serve as executors and trustees, or health care agents, are no longer living or have moved away. Maybe, your children have achieved a level of maturity where you can trust them to take care of things when you are no longer able. Maybe you have developed a relationship with a bank, or other financial institution, which you are comfortable with, and whom you want to get involved.

The point is just like your tax returns take some effort to gather information; your Estate Plan requires the same type of thinking and assembling. It matters not that you have located all the information concerning your income for 2014, if you do not get same on the return; you are in jeopardy with Federal and Massachusetts tax-collecting authorities. Similarly, even if you have located your old Will or Trust, your wishes will not be served unless you make the effort to meet with an attorney and inform him or her whom you want to be in charge, and to whom your assets should be distributed. Sometimes, all you need to do is “tweak” your current Will or Trust with a Codicil or Trust Amendment. Other times, you may need to prepare entirely new instruments, because the ones you have in place are so “dated”.

If you are one of that majority of Americans who have no Will or Trust in place, AT ALL, tax time may be the time that you climb off the fence and stop procrastinating with your family’s future. You really owe it to your spouse and children to put down in writing to whom you want your assets distributed, and which people you want involved in making it happen. Not everyone in your family will be happy with your choices, but no one will be able to say “Mom would have wanted this” or “Dad would have wanted that”. You do not have to rely on the laws of the Commonwealth of Massachusetts to distribute your wealth. You will have made it perfectly clear what you want.

ray ban tortoise brown ray ban 4037 predator shot extreme

The Best Place To Buy Coach Bags, Ebay Or Coach Outlet Store Online?

If a calendar could be accused of using performance enhancing drugs, there would be definite cause for concern this January. ray ban tortoise brown Ray Ban sunglasses with extremely cheap price is obviously fake, the expensive ones may not the real one, too. When you receive the Ray Ban sunglasses, look carefully at the logo, workmanship and the packing. Genuine ray ban 4037 predator shot extreme Ray Ban sunglasses usually have the BL symbol etched on the ray ban 4125 colours left lens, right next to the hinge.

While Ray Bans now have been adopted by the next generation of Hollywood style setters, and are being worn by many types of celebrates, from actors, to sports icons, to you name it… President Barack Obama has been seen sporting a pair ray ban store bangkok of Ray-Ban sunglasses around Washington DC. It appears he has made the Ray-Ban brand his personal choice when it comes to sunglasses.

I spent a while online ray ban aviator new york price looking ray ban coupon uk for stylish wraparound glasses, and was initially considering expensive options such as Ray Ban Predators or Sidestreets, not to mention other styles by other manufacturers.

ray ban leather price ray ban rb4089 balorama polarized 601 58

Sunglasses Day Is June 27

It is among the best-offering and most preferred brand on this planet in the eyewear sector. The second reason for the love affair of female celebrities with their usually over-sized Ray Ban women’s sunglasses is that they also happen to be today’s largest fashion accessory (though this may be attributed to the sudden influx of Ray Ban women’s sunglasses in the wardrobes of these female celebrities themselves).

His observations about what he later admitted was mainly Africa, included a clear reference to ray ban leather price the developmental aid offered by the UK to the countries of what he called "Bongo Bongo Land". Whatever be the purpose of using ray ban rb4089 balorama polarized 601 58 sunglasses, people should always go for the designer ones from the world class manufacturers like Dior, Ray Ban etc. The law still states that if anybody leaves their place of employment within the first year, they are liable for an immediate 6 month labour ban.

Luckily, Ray ban 3211 aviator are polarized, so that they filter out the wounding energy, with UV heat. There is no sanity why women can’t own more than one pair of Ray ban aviator sunglasses. If the sunglasses such as the cheap ray ban wayfarer have this kind ray ban aviator imitation sunglasses of logo, we could say that the sunglass we would buy can ray ban olympian brown resist the ultraviolet. If only you buy the wholesale ray ban sunglasses ray ban italy for the beautiful style or cheap price and buy one set of UV tinted glasses to wear. Most ray ban aviators are sold by sculpt number while others have both a design name and number. The best way to decide valid Ray Ban rb 3025 is to go to an honest retail retailer and get them to ray ban store in london show you some Ray ban sunglasses
.

ray ban clubmaster india online ray ban ultra wayfarer for sale

Most Wanted Men’s Sunglasses

With its thin metal frame and tear-drop lenses, Aviators were and always will be the ray ban clubmaster india online classic sunglasses. From the 2 styles of Wayfarer three decades ago, Ray Ban managed to multiply approximately Thirty styles throughout 1989 however it has become unpopular once again from the 1990s. These dark glasses had large lenses, about two or three times the size of ray ban ultra wayfarer for sale the eye socket, in the shape of an oblique teardrop. The goal of these large, curved glasses was to protect the eyes from every angle for optimal protection from the sun. Ray Ban polarized sunglasses use ray ban polarized herren this to their advantage and benefit with the help of ray ban logo came off one ray ban new wayfarer black matte polarized of these properties, something called polarization. Some Ray Ban polarized sunglasses also come with color tinting for proper and ultimate visibility in particular conditions, such as in the snow.

With another advantage in water over land, for your fishers as well as the most people who choose ray ban model 3362 water activies, ray ban sunglasses sale Spectacles stands out as the best option as they are hugely useful to shield the eyes from longer contact to bright sunlight.

They are constantly renewing their stock not to mention their prescription spectacles designs, ensuring that you benefit from some of the latest models, which not only reflect current styles but are on trend.

So, now that you know about the ongoing holiday offers for this weekend you must browse through the online optical stores and find a out a reliable and authentic place from where you can make your purchase.

ray ban 2132 new wayfarer sizes aviator ray ban plastic

Top Ten Reasons For Buying Ray Ban Sunglasses

As the spring and summer seasons roll in, picking out the right sunglasses to go along with your clothing selection can be difficult. The Air Force was not the only American military branch to adopt Ray Ban sunglasses; one of the most famous pictures from the war is of General Douglas MacArthur landing on a beach in the Philippines wearing a pair of Aviators.

Originated in the year of 1937 by the founder Bausch & ray ban 2132 new wayfarer sizes Lomb, the first and foremost Ban sunglasses had been made for the U.S. military Air Corp. The Ray Ban sunglasses are among the very much stylish, trendy and good looking one because they have become one of aviator ray ban plastic the many significant brands that have the accessories for fashion loving people. Ray Ban, on the other hand, can make this claim and will always be in history books as a result.

Generally, designer ray ban zx 2411 ray ban eyeglasses will need to be distinctive with the face shape of person’s, as well as in this case cat eye, wayfarers together with butterfly designs ray ban 2027 predator sunglasses with black frame would all go well with somebody who has a rounded visage.

Ray Ban Wayfarer were only available in 1952 the place it all had become far-reaching ray ban 3190 flight replacement lenses and well-liked in the period. As a result of ray ban gift card to india The 80’s up to 1987 Ray Ban Wayfarer can render its sun glasses upon Sixty pictures and TV will show on a yearly basis. Also the pursuing years, Ray Ban merchandise however astounds thru 2008 happen to be Wayfarers became a many decades sunglass usually chosen.

ray ban outdoorsman cobra ray ban original wayfarer new wayfarer unterschied

Finding Homemade Toothpaste Ingredients

Google is ending or suspending sales of Google ray ban outdoorsman cobra Glass, its smart glasses product, according to the BBC and the Financial Times. One of the most standout lens colors is blue, which is proven to offer no benefits to sight at all and is merely just for show as it ray ban original wayfarer new wayfarer unterschied is very eye catching and vivid- someone should contact Morpheus and let him know his super sweet nose-grip lenses are all for show.

Be it clothes, shoes, jumble, eye wears or unfamiliar marker may basis some apparent brands although those may be rather costly, but not more dear than ray ban rb3025 Arnette Sunglasses are many time lacking any dread of receiving infection or any harm to think about shifting it in the bazaar.

The thing is if people like Gucci can charge $1500 for a Handbag and Louis Vitton have shops full of $7000 Bags then they are the ones ripping people off…ok the quality is pretty good but the ray ban sunglasses chennai prices price is ridiculas and I’d sooner have a fake and get one back on the huge names for legally stealing money from people who think its cool to show they can afford ray ban wayfarer price rb2140 these peoples wares…give some money to charity and go down ray ban jackie ohh ii cheap to a local shop and get a bag, or get a chinese fake and ray ban güneş gözlükleri facebook help someone who isn’t already rolling in cash rather than making the rich richer
.

ray ban 2012 collection ray ban wayfarer black medium

Different Face Shape With Different Ray Ban Sunglasses

The Chloe label first appeared in Paris in 1952 when Gaby Aghion, a 31 yr old Egyptian fashion designer designed her very first ready to wear fashion range and adopted the Chloe model name to identify her new goods. Theres no denying a good pair of designer sunglasses comes infused not only with the style and personality of the designer be it Gucci, Prada, Ray Ban or Versace ray ban 2012 collection but also with their stamp of quality.

Eyeglasses casings had been created from leather-based, our bones and steel and also sidepieces started as silk ray ban wayfarer black medium whitening strips regarding ribbon that looped round the ears. For scratched or damaged Ray Ban lenses, you can order a replacement set of lenses by contacting their warranty/service provider at 800-343-5594.

The commonest feeling you get wearing eyeglasses you don’t need is to enhance your intellectual or artsy side or to appear older and more mature than you really are. Hardly any sunglasses have taken such an important place in American society and ray ban aviator gold limited edition narration as Ray Bans has. Originated in the year ray ban dourado lente verde g15 of 1937 by the founder Bausch & Lomb, the first and foremost Ban sunglasses had been made for the U.S. military Air ray ban on sale australia Corp. The Ray Ban sunglasses are among the very ray ban wayfarer black replica much stylish, trendy and good looking one because they have become one of the many significant brands that have the accessories for fashion loving people.

ray ban aviators usa ray ban glasses in uae

Find Where To Buy Affordable And Stylish Prescription Eyewear

Even if there are already a lot of ray ban aviators usa new styles ofsunglasses glasses these days, there are still plenty of men and women who are ray ban glasses in uae looking for vintage aviator sunglasses. Ray Ban dedicate an entire section of their website to technology – explaining what they use, and how it benefits their sunglasses – Tech spectacles aggregate many of these features, and in a way become an embodiment of the virtual.

For crests and military ray ban wayfarer sizes 55mm patches and antique brooches to add on to jackets, blazers, or plain T-shirts, eBay and Bonanzle are wonderful resources for the patient shopper. One of the best spaces to shop online are coach outlet EBay is one of the leading retailers on the Internet. She even repeats staples without a care, wearing the same geometric Satine top and Ray Ban New Wayfarers she did in the first season. Would you believe ray ban lenses 2132 I have bought a classic signature Coach bag for you that will help you to do shopping at eBay. If you are a new customer ray ban rb4068 shiny black polarized to Coach, and you want to use outlet coupons to reduce the price of your bag, you may can buy some coupons on ebay.

If you find a great pair of Ray Bans for a price just too good to be true…well, they probably belong to the fake Ray Ban variety. Ray ban sunglasses win the hearts of fashion icon with its large frame and dazzling and stunning color. The style of Clubmaster series is more suitable for Asian face, and the design is also sharp ray ban aviator size 63 pos and more personal, which make you cooler. Ironically, the square” image is brought out by an orbicular shape – Ray Ban knack for reversing and subverting ideas makes itself evident here as well. Whether it is fact or rumor, for sure she is also a Ray-Ban wearer sporting the Ray-Ban 3316 Clubmaster.

buy ray ban vancouver ray ban modelo rb 8306

On Vision

The history buy ray ban vancouver of Ray-Ban sunglasses dates back much farther than most fashion gurus realize; all the way back to 1937, when Bausch and Lomb took out a patent to develop a special anti-glare lens to filter out ultraviolet and infrared rays. Ray-ban aviator sunglasses are also the best selling of Ran-ban, but Ray-Ban Wayfarer sunglasses more represent the spirit of brand- Live your own life. Here Ray Ban draw ideas from sports – the pattern described by ray ban modelo rb 8306 these sunglasses resemble, if only conceptually, those contoured by professional goggles. If the outdoors ray ban rb2132 white calls your name and you spend a good amount of time in the sun, then glasses that provide nearly 100% UV ray protection are the way to go. First introduced in 1952, the ray ban rb2140 price in india Wayfarer was originally targeted at pilots, playing off the success of the Aviator model. Once you choose the basic type of sunglasses you want, ray ban black friday deals click on it to go to Amazon.

The main attraction of vintage sunglasses is, of course, their uniqueness: not only have they often been pre-owned and worn, thereby carrying personal history – they also come in designs that are no longer in production today (Ray Ban consistently refresh their assortment to keep in touch with latest fashion trends).

If the sunglasses such as the cheap ray ban wayfarer have this kind of logo, we could say that the sunglass we would buy can resist the ultraviolet. The Ray-Ban Wayfarer sunglasses did suffer a slight dip in popularity in the 1970’s but made a dramatic comeback in the 1980’s. But although the RB2132 model and the ray ban sunglass replacement lens rest of the Ray-Ban sunglasses in my collection all have that distinctive Wayfarer look, they each has is unique quality. An unlike many other frame designs, the Ray-Ban Wayfarer sunglasses seemed to fit practically any face shape without much of a fuss. These sunglasses are perfect for people like me who have the tendency of losing their Ray-Ban Wayfarer sunglasses
.