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Yesterday, the Cook County annual form required to preserve your senior exemption for real estate taxes was mailed by the assessor.
This is an eagerly awaited, annual ritual that keeps many in the assessors office busy and makes many seniors worry that they will miss the form.
There is a new 20% deduction for small businesses that are pass through entities like corporations or LLCs.
Setting up a living trust is a good first step in getting your estate organized.
But, it is important to review the trust to be sure that the trust is firing on all cylinders and all assets are correctly titled.
This is completely made-up and non-scientific.
I have some really nice clients who came in every year for a trust review and we kind of ran out of things to talk about, but it made them feel good, so what the heck.
Requiring this makes the clients find their trust.
If the trust binder is lost, then the client has to sign a restatement and new documents.
I am not a fan of co-trusteeships, so it is usually best to pick just one successor trustee at a time.
That is probably the most common change that clients make to their trust.
Trust review appointments can be and usually take about 30 minutes.
It looks like the president will sign an extension today of the through 2016.
Why Congress waited again until the last minute to do this is beyond me?
Last year, the same thing happened.
Congress waited until the end of 2014 read more extend it through 2014.
How are owners of underwater properties supposed poker texas hold em online free games plan ahead without knowing the law?
The result of this is that any homeowner whose primary residence was foreclosed upon or sold at a short sale in 2015 will not have to pay income tax in the forgiven debt.
I love techno advances that save time and make life easier.
I am not a fan of technology that complicates things.
Many states now allow e-recording, which means you can record a document online from your computer.
There is a great software program called that helps to do this.
Cook County uses Simplifile, but Cook stacks a bunch of requirements on e-recording that make it really hard, almost impossible, to record a deed electronically.
My office records a lot of deeds, mostly deeds to living trusts.
To record an exempt deed, first Cook requires you to fill out a complete form for an exempt deed.
It takes about 15-20 minutes to fill out a MyDec form online.
Why would I do that when I can record the exempt deed in person without filling it out?
Second, Cook County requires that you be reqistered as a title company with MyDec, which requires filling out a bunch of forms that have to be approved by the county.
Would you want to hand out a copy of your living trust to complete strangers?
No one wants to do that, but it the past, it was common to have to furnish a complete copy of your living trust if you were: A enacted in August 2015 allows those with living trusts to sign a trust certification instead of furnishing the entire trust to third parties like banks, brokerage houses and title companies.
The trust certification form is here: Often, a client will call to say a relative died with a lot of debt and few assets: a checking account, maybe a small savings and a boatload of debt.
Good, good…they say… tell me more.
Usually this means that the heir has to use his own money to pay the debts.
No one wants to front the money to pay debts, so the heirs just abandon the account and do nothing to collect it.
The small estate affidavit works well to collect straggler assets left in a deceased;s name, but not when there is a lot of debt.
The small estate affidavit in Illinois was just amended.
A couple years ago they gave us the.
I think about two people have used that brilliant law to avoid probate on their homes.
I have never seen a single property with a transfer on death instrument on it.
Now, the l the power of attorney for health care law effective January 1, 2015.
The old power of attorney for health care was just fine in my humble opinion.
The new one starts out with three pages of explanation to the person signing it.
It is now written so that an 8th grader could understand it.
There is a big change in the section on life-sustaining treatment.
The old power of attorney gave three choices for life sustaining treatment and most clients picked the first one of the three.
I want my agent to consider the relief of suffering, the expense involved and the quality as well as the possible extension of my life in making decisions concerning life sustaining treatment.
If and when I am in any one of these states or conditions, I want life sustaining treatment to be withheld or discontinued.
If I am unconscious and my attending physician believes, in accordance with reasonable medical standards, that I will not wake up or recover my ability to think, communicate with my family and friends, and experience my surroundings, I do not want treatments to prolong my life or delay my death, but I poker texas hold em online free games want treatment or care to make me comfortable and to relieve poker texas hold em online free games of pain.
I want my life to be prolonged to the greatest extent possible in accordance with reasonable medical standards.
The new choice 2 has been reworded and is close to the old choice 2.
Choice 3 remains the same as before for the most part.
In the new form, everyone will pick Choice 1 and no one will pick the second choice.
I see no reason for all this wordsmithing.
There was no problem with the old poa.
Thankfully, old power of attorneys do not have to be redone and are still valid.
I have been offering the new one to clients and we will see how it goes.
I built my first website in 2001.
It was more like hacking through the jungle and getting stuck in a swamp, because I was trying to use Microsoft Frontpage.
The damn software was next to impossible, but I bluffed my way through it and had a skeletal site with a few forms.
WordPress became big and I switched to it about 6 years ago for both my website and my blog this site.
I was just reading that that are not mobile friendly this month.
As luck would have it, I just upgraded my site to be mobile friendly a few weeks ago.
I thought about hiring a web designer to help me this time, and I emailed poker texas hold em online free games or four of them.
So I decided to do it myself again.
I still use WordPress, but I switched to using a theme by called Are mathematik beim blackjack will is a great, drag and drop theme that is about 200% easier to use than Frontpage was.
I really like Divi and would highly recommend it.
If you are moderately tech savvy you can put together a nice looking mobile friendly site in no time.
Be careful if you are buying a property that the seller is trying to flip.
WIth a flip, the seller buys a distressed or foreclosed property, fixes it up and then quickly resells it.
If you are getting an FHA mortgage to buy a property being flipped, you will not be able to t to purchase the property until 90 days after the seller has owned the property.
The 90 day time period is measured from the date the seller poker texas hold em online free games the property closed on the property to the dale the seller signs a contract with the new FHA buyer.
For the past few years, during the depressed real estate market, FHA waived this rule and allowed the buyer to sign the contract earlier than 90 days, but that changed on January 1, 2015.
I have also found that many lenders will require two appraisals to be done if the buyer is buying a flipped property.
This will often delay closing because the parties have to wait for the second appraisal.
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