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Is Having A Duplicate Passport Important?

Under current regulations, the Department of the U.S State allows citizens to have two valid and separate duplicate passports. A few reasons to hold a duplicate passport are:

  1. Americans commonly get the passports stolen or lose them go aboard. You can request emergency passports as a replacement, but it is not easy and may be expensive. Emergencies rarely occur at a convenient places or times. An emergency passport will only be good if you have to enter your own country. This means you may have to obtain another passport before or in midst of an international trip, in case a passport is necessary for the destination.
  2. Having a duplicate passport will allow you to continue your travel plans without changes. If the passport is lost or stolen, report this to the United States State Department and local authorities, so that you can continue on your journey. An essential benefit of a duplicate passport is the emotional security knowing a duplicate passport available in case of an emergency.
  3. Few countries will ask you for travel insurance and a visa before you enter their country. A few countries have stricter requirements, like Russia. If you are planning a second international trip with countries like these or are in a process of applying for another country, then you can be a passport short.
  1. Passports are stamped when you enter a country. At times, the stamps volume and visas on a passport are problematic in entering a country. If you travel to the Middle East, then having specific stamps on your passport can create difficulties for you.

If you think that a duplicate passport is not appropriate for your circumstances, then there are two alternatives that you can consider and they can be a good substitute for your passport. On the basis of your travel plans, a passport card or trusted traveler card may be helpful. Each of these can be obtained for less than the cost of a passport and eacg has many uses. Although a duplicate passport in my view is the better choice.a

Always Before Traveling, — double-check the warnings by the US State Department.

Although they may not receive legal recognition, it is recommended to prepare properly before traveling by making and taking with you a medical power of attorney, power of attorney and a medical directive with your  wishes for your medical treatment. Take originals with you!

Michael Freilich, Esq

Advance Medical Directives

Advance Medical directives are written, legal instructions about your decisions for medical care if you are incapable of making decisions for yourself. Advance medical directives manage the choices for doctors and caregivers if you are seriously injured, terminally ill, in a coma, near the end of life, in the late stages of dementia, or otherwise mentally incapacitated.

People tend to think that advance directives are only for older adults but this is simply not the truth. Unforeseen injuries and end-of-life conditions can occur at any age; therefore, it is important for all adults to establish these documents. You can receive the medical care you desire while avoiding needless misery by putting these documents in place. You can also relieve caregivers of decision-making responsibilities in times of trauma or affliction by simply planning for the future. Additionally, you also help to lessen uncertainty or disputes regarding the choices you would like your loved ones to make for you.

Advance directive policies may differ from state to state. Whenever a patient is not able to make his/her own medical decisions, a health-care proxy will act in the patient’s best interest. They make the choices that are in line with the patient’s stated will. To draft a suitable advance directive form may require help from a personal doctor and an attorney-at-law. Advance medical directives are essential documents that should be added to each individual’s personal medical records.

Advance medical directives usually fall into three categories: living will, power of attorney, and health-care proxy.

  • A living will: This is a legal document that stipulates what kinds of medical treatment are wanted if the individual becomes incapacitated. A living Will, may be general or very specific.
  • A health-care proxy: This is a legal document in which an individual authorizes another person to make health-care decisions if he or she is declared incapable of making their wishes known.
  • A durable power of attorney (DPOA): The durable power of attorney enables an individual to perform bank transactions, sign social security checks, apply for disability, or other legal transactions when an individual is medically incapacitated.

How to Create an Advance Medical Directive

If you would like to establish an Advance Medical Directive, call Freilich Law. Michael Freilich has been writing the primary documents of estate planning for over 40 years. These include wills, trusts, living wills, living trusts, dying declarations, gifting, medical powers of attorney, financial powers of attorney, animal trusts, advance medical directives, and more. Call for a consultation to (410) 321-0040.

Prenup or Postnup

In 2019 were owned and enacted a statute which is frequently referred to as the “Augmented Estate” statute. This was enacted to enable a surviving spouse to elect to receive a share of substantially more of the decedent’s spousal assets than ever before.

Prior to the enactment of the statute’s spouse was entitled to an “elective share.” This elective share was 1/3 to ½ of the deceased spouse’s Probate estate. This was a way to provide for surviving spouses upon the death of his or her spouse. The new Augmented Estate was effective October 1, 2020. This enables a surviving spouse to receive a much greater share of the decedent’s spouse’s assets than before by applying the elective share to both assets that past through the probate estate and those which do not pass through the probate estate.

For example, assets which do not pass through probate estate include TOD accounts, accounts jointly titled with others, some trusts, and assets with beneficiary designations, e.g., life insurance and 401(k) accounts. Before the new statute, a surviving spouse would have no elective share against these assets. But the new law enables a surviving spouse to receive an elective share of assets which both do pass through probate and those which do not. In short, more assets are available to make up the spouse’s elective share.

Historically, spouses made careful choices and executed estate plans to exclude certain assets from passing through probate to their surviving spouse. Now, this needs to be rethought.

Especially vulnerable to this situation is a 2nd marriage when there are children from a first marriage.

All is not lost. Prenuptial and postnuptial agreements allow  estate provisions, including a waiver of spouse’s estate or a claim for an elective share, to control what a spouse receives in the event of the spouse’s death.

Bottom-line, review this with your estate planning attorney. Each prenuptial agreement and postnuptial agreement after October 1, 2020, should be reviewed.

 

Michael Freilich, Esq

Powers of Attorney – Don’t Leave Home Without One!

A power of attorney is a legal document that permits a person to delegate another person or entity to act on his or her interests to manage their affairs. The person who forms the power of attorney is recognized as the principal and the person given the authority over the affairs is the attorney-in-fact. A power of attorney is in force only if the principal is alive, and only a principal who is mentally fit can authorize it.

A power of attorney and a Will should be part of everyone’s estate planning documents. There are many kinds of powers of attorney as well as many reasons to put one in place. You never know when the urgency may arise, and a power of attorney will be needed so some kinds of powers of attorney are a good idea to implement now. On the other hand, other types of powers of attorney may only be required if a certain state arises.

Many people think that as long as they have selected a durable power of attorney, they lose the authority over any decision-making and how their assets are managed. This is simply not the case and the power of attorney only takes over if you are no longer mentally competent enough to run your personal, legal, and financial affairs.

A power of attorney form can be used to choose a power of attorney to represent a person and their affairs in various areas if they ever become incapacitated.

Roles of a Power of Attorney

  • Making decisions on the behalf of someone who has lost their mental capacity
  • Making medical decisions
  • Handling financial and legal matters

Even though a power of attorney is still an important tool for handling the estate and affairs of incapacitated loved ones, it has become more than just that. It has also developed into a useful tool that enables individuals to give authorization to professionals with specialized skills. These professionals can serve and represent them in business, legal, and financial spheres that require a piece of particular knowledge and skill set that the individual might not have. This enables people to level the playing field when it comes to engaging with larger organizations that have paid professional staff committed to acting on their behalf.

How to Create a Power of Attorney

If you would like to establish a power of attorney call Freilich Law. Michael Freilich has been writing the primary documents of estate planning for over 40 years. These include wills, trusts, living wills, living trusts, dying declarations, gifting, medical powers of attorney, financial powers of attorney, animal trusts and more. Call for a consultation to (410) 321-0040.

Should you own a gun without a gun trust in Maryland?

A gun trust is a revocable or irrevocable trust used to take title to firearms,

Most firearms owned by Marylanders are Title I weapons – ordinary pistols, shotguns, and rifles. Consider a gun trust if you own a firearm, even a single rifle or pistol. All firearms are heavily regulated, so it is easy to commit a felony without knowing it, simply by transporting and/ or giving it to your son or daughter, or grandchild.

A gun trust is a mechanism for orderly transfer of firearms upon the death of the owner (grantor) to a family member or other heir. But the transferee must go through the background check and identification process before taking possession of the firearm. In Maryland, the transferee must have a Handgun Qualification License or HQL

Although any legally owned firearm can be placed into a gun trust, typically they are used for weapons classified under the National Firearms Act of 1934 or The Gun Control Act of 1968, such as a fully automatic machine gun, a short-barreled rifle or shotgun, or suppressor (also called a “silencer”) These are typically referred to as “Class III” or Title ll” firearms. A suppressor, can legally only be used by the person to whom it is registered and no one else. A violation is a felony. So, if a family member or a friend fires a few rounds with a suppressor at a local range, or the backyard, that is a felony. A gun trust makes it easier to allow the use of Title II weapons by multiple parties. Each person who has access to and use of weapon should be a co-trustee of the trust and go through the required background checks, identification requirements and Maryland law.

Privacy is another benefit of placing Class I Firearms in a gun trust. In Maryland, an executor or personal representative of an estate must file an inventory with the Register of Wills. Probate inventories are public documents, available for review by everyone who wishes to see it. The value of the firearm and its serial number are typically listed in the inventory. If the firearm is owned by the trust, it is not included in the inventory because it is not owned by the decedent.

Ease of transfer without probate proceedings is yet another benefit. Most Class I firearms are transferred informally upon the death of the owner. The owner dies and the firearm is handed over to a family member without observing any of the Federal and Maryland statutes. This is a violation of both Federal and State laws. Transferring a firearm through a gun trust eases the transfer process.

Another benefit is a gun trust facilitates the transfer of a collection of firearms. Depending upon the size of the collection it may be possible to set up a separate income producing trust. There are many advantages available through a gun trust and disposition of Class I firearms in estate planning.

Another benefit relates to the possible incapacity of the owner. If a gun owner becomes incapacitated, it is most likely illegal for that owner to own the firearm. When a gun owner becomes incapacitated with its concomitant problems, gun ownership is not a high priority among the other issues to be handled. If a gun trust owned the firearm there would be no violation. Trusts cannot be physically or mentally incapacitated. In Henderson v. United States 1305S. CT 1780 (2015), a felon was prohibited from possessing firearms. The court held in 18 U.S.c. section 9220 (g) that would not prevent the petitioner, (felon), from disposing of his firearms in ways that guaranteed he would never use them again, e.g. by placing those guns in a secured trust [gun trust] for distribution to his children after his death.

Except in very limited circumstances, Federal law prohibits anyone under the age of 18 from knowingly possessing a handgun, or ammunition and any person from selling, delivering, or otherwise transferring a handgun to a person under 18. A knowing violation under certain circumstances is punishable up to 10 years in prison.

My practice has been to recommend Class III firearms be placed in one gun trust and Class 1 firearms be placed in a separate gun trust. There are any number of other reasons for using gun trusts; this is just illustrative of the more common ones.

The contents of this brief article are not to be taken as legal advice. There is no substitute for meeting with an attorney and obtaining responses to your situation. I do not recommend one-size-fits-all trusts from the Internet. I have looked at some of them and do not believe they are appropriate in many situations.

 

Michael Freilich, Esq.

Take an inventory!

While most of us are quarantined at home during the coronavirus stay-at-home order it would be a good time to catch up on some task he might otherwise not have done. I on this list for me and for my recommendations to my clients and friends is the preparation of a good inventory. What I have found to be very effective method of inventory taking is a digital camera, even the camera on a smart phone.

Start on the lowest level for the highest level of your living space. In our case it was a basement. Go around the room and take photographs of each room to show furniture, knickknacks, and everything which is in it. Next open each drawer or door in the room and photographed the contents. It’s important to be able to see in each picture all the contents of the drawer or the closet. Then take a picture of how this level of the building is connected to the next. So for example photograph of the steps leading from the lowest level to the next level. Repeat this procedure for each floor of the house. Then take pictures of the inside of the attic whatever you have as the highest space in your home.

Next step is to go outside your house and photograph the exterior all the way around the house. Then photograph the yard. Try to get the back alley, or the street. Also photograph from outside of your home to your neighbors on all boundaries. If you have a garage, take photographs of the interior including the contents.

When you finish you should have a complete photographic inventory of the inside and outside of your home.

Go back and double check you have the contents of your drawer’s, especially those in which you have valuable items or collections. For example, if you have a clean collection, be sure to photograph all of the items in your coin collection so that an expert coming long after you could see enough detail to evaluate those coins. This is also true for your jewelry. Try to get close enough to the details show. There are many DIY’s on the Internet on how to make a simple structure to photograph glossy surfaces so that the details are easily visible.

Now you have this inventory, what you do with it? Make several copies and disburse them. Do not keep all copies and your home. Perhaps, one should go in your safety deposit box at the bank. Perhaps, one with a trusted relative. Perhaps, one or 2 should be stored in different cloud storage areas.

Why should you have an inventory? In the event of damage, storm, natural catastrophe, theft, flood, virtually any disaster in which you may need to prove what you owned, how you owned it, and so forth. If you have an insurance covered loss, you will need to establish that you had the object or the repair and what it is worth. These photographs of the first steps towards providing evidence of both.

What I like about using this method of photographing with a smart phone is that it is easy, it is quick, and you do not have to spend the time writing down all the information. However, there are some guidelines. So for example suppose you take images of your computer equipment, include model number and serial number.

Remember to take images of the artwork and photographs on your walls. Be sure to take images of your books sufficiently close of the titles are visible. If they are valuable books, take the fly leaves as well. If you have objects art for which you have certificates of authenticity, take pictures of the object and exhibit of authenticity in the same frame if you can. If not, in adjoining frames.

And while you are thinking about this project, pull out your homeowners insurance policy and check the clauses relating to what losses are covered, how much is covered, and most importantly what you’re required to prove. With respect to personal property there are typically 3 types of coverage available depending upon what you purchased. “Actual cash value” is the actual cash value of the item which was lost. So for example in the had a sofa for which you paid $1000. And it’s now 2 years later, the insurance company would be obligated to reimburse you, depending upon the terms of the policy, the value of the sofa with 2 years of depreciation into which would also come into play the condition of the sofa. This is typically a battle of appraisers. The insurance companies appraisers and yours.

“Replacement cost” is another method of evaluation and ensuring your property. This typically refers to replacement for the value of the property itself. So for example, the Sofia purchased was $1000, it’s 2 years later, you are entitled to replacement of $1000.

Another common type of insurance is for “actual replacement cost.” This tends to be a combination of quote actual cash value” and “full replacement cost.” This tends to be you would receive the depreciated value, unless you actually replaced the object and in which case you would receive what the cost you to replace it. How the spells itself out in practice tends to differ from insurance carrier to insurance carrier, and is not always spelled out in the actual policy itself. There are other variations on the reimbursement policy. These are the more popular forms personal property insurance in Maryland.

There are certain items which are not covered by the normal insurance policy. These need to be scheduled on a valuable items policy. I recommend reviewing your inventory with a very knowledgeable property and casualty insurance agent and asking the agent’s advice as to what items, if any, should be scheduled.

So please consider spending a part of a day preparing your visual inventory.

Should You Have a Duplicate Passport?

PLEASE NOTE, THIS IS FOR A DUPLICATE PASSPORT, NOT FOR MULTIPLE PASSPORTS.

Under present regulations, the US State Department allows American citizens to hold at the same time two separate, valid duplicate passports. Here are some reasons to consider holding a duplicate passport.

1. It is not uncommon for Americans to either lose or have their passport stolen while they are abroad. Of course, it is possible to request a replacement emergency passport. This is no fun. The process can be difficult and expensive. Rarely do these emergencies occur at a convenient time or place. Usually an emergency passport is only good for reentry into your home country. So, barring all else, you will need to apply for a new passport prior to your next international travel, if your destination requires a passport.

So if you maintain a duplicate passport, you may not have to change your international travel plans while you are broad. Of course, if your passport is stolen you will still need to report it stolen or lost, both to the local authorities and to the United States State Department, if you were able to continue on your journey. If nothing else, this is a certain amount of emotional security that comes from knowing you have a duplicate passport immediately available.

2. Some countries require both visas and/or travel insurance prior to visitors entering their country. Some countries have even more stringent requirements, for example Russia. So, should you need to make a 2nd set of international travel plans or be in the process of these applications to another country, you may be one passport short.

3. Passports are typically stamped upon entering a country. Sometimes the sheer volume of stamps and visas in a passport invite additional problems and scrutiny in entering a country. Travel particularly in the Middle East with certain passport stamps can augur other difficulties. For example, a stamp from Israel may make it difficult to enter certain countries, at the time of this writing, for example the UAE, Algeria and others.

If under your circumstances a duplicate passport may not be appropriate, consider two alternatives, neither of which is a substitute for passport, but which may suffice depending on your travel plans. They are a Trusted Traveler Card or a passport card. Each typically involves lower fees than a passport and for the experienced traveler has a number of uses.

In addition, please always remember to check the US State Department warnings before foreign travel.

Though it may not be recognized, I always recommend traveling with a properly prepared power of attorney, a medical power of attorney, and a declaration relating to your wishes with respect to medical treatment and end of life treatment. To quote an old commercial, “don’t leave home without them.”

Why should I hire you? Over the years I’ve represented buyers and sellers of residential property, builders, contractors, subcontractors. suppliers, materialmen, surveyors, architects, title companies, realtors, and lenders of residential property, developers of shopping centers, malls, tenants in malls, tenants in freestanding stores, owners of freestanding stores, commercial buildings. Just about every aspect and occupation involved the real estate business, litigation in the secondary mortgage market. That’s where a lender packages his loans and sells them to another lender and then keeps a certain piece to do the servicing.

With this experience it tends to takes me at less time, I think, to go through a lot of these contracts than others. When I see a standard form contract, I recognize what it is and I can quickly see what the changes are from the standard form to the customize, and then I accomplish what I want by talking with the client, finding out what they really want, and explaining to them in everyday terms what the clauses of the contracts mean and how they affect them and what they should do in terms of countering it or accepting it and dealing with it. And I help them make the financial and legal decisions according to what they feel they need to do.

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