The government provides several health insurance programs for people in New York who are 65 and older or have a disability. Two of the most common types of health programs are Medicaid and Medicare, but they differ. Overview of Medicare Medicare is an insurance...
Firm News
Common types of trusts for estate planning
Many people in Schenectady, New York, think creating an estate plan is only for rich people. However, they have several options available for estate planning their estate regardless of income. Trusts allow the creator to protect assets, and there are several types....
The benefits of virtual real estate tours and remote closings
Changes in the way homeowners buy and sell real estate may appear intimidating for those buyers and sellers not accustomed to technology. Virtual tours and remote closings, however, contribute to more efficient sales, as noted by Realtor.com. Online real estate...
What should you do when your home has multiple offers?
There is a lot to consider when you start getting offers for your home in New York. You will need to decide what your expectations are so that you do not lose out on the best offer. This process becomes more complicated when you have multiple offers to entertain....
What is a Medicaid Asset Protection Trust?
If you have a decent amount of assets and anticipate acquiring more in your future, it would be wise of you to make estate planning an ongoing priority. Advanced planning almost always yields the best results, as it allows you to take advantage of more powerful tools....
Title insurance: what it is and the pros of having it
For first-time homebuyers, title insurance may be a foreign concept. The title insurance that people sign for as part of closing costs has to do with protecting the lender. However, buyers can also purchase title insurance to protect themselves. Understanding what...
Protecting your interests when buying a house
When you buy a home in New York, you may find that it helps you build wealth over time. The process involved is sometimes long and complicated, though, and it often involves both you and the seller advocating for your own interests. Per NerdWallet, contingencies are...
What happens at a real estate closing
The process of buying a home can be lengthy and sometimes frustrating. The closing is the final step you have to take before you officially become a homeowner. The prospect of a real estate closing can be both exciting and scary. Issues can arise at the last minute to...
Pros and cons of life estate deeds
If you have assets, such as equity in your home, it could negatively affect your eligibility for Medicaid and mean higher probate costs after you die. You may think that transferring your home to your children can provide the necessary protection. However, this may...
How can you sell your home quickly?
When you put your home up for sale, you do not want it to linger on the market indefinitely. If your home does not sell quickly, it can become a burden that makes it difficult for you to move on with the next chapter of your life. There are many complex factors that...
