Before purchasing a cell phone for an adolescent, parents should consider some potential consequences for both their child and themselves if the cell phone is not used responsibly. The consequences of the behavior below may outweigh the benefit of being able to pull up the internet to resolve a friendly debate.
Although no method is full proof, we thought we would provide some information and tips on how to avoid identity theft. The tips include the following:
During last summer’s legislative session the New York State Senate and Assembly passed a bill that will require insurance companies in to include supplementary underinsured/uninsured motorist coverage (SUM) in their policies at the same level as the insured’s own liability limits. Although not signed into law by Gov. Cuomo yet, this is an important piece of consumer protection legislation for all insured automobile drivers to understand.
After reading a recent article in the Buffalo News entitled “A brief review of how Social Security disability payments work” I thought I could address some of the issues that in my experience many people face in navigating and understanding the system.
Depending on your own situation, you may be eligible for one or more of the following:
There are three basic estate planning documents that all individuals should consider when making a life plan strategy. The specific content of each document will depend on personal and family circumstances, but, everyone should consider having the following documents in place:
There has been a dramatic increase recently in the number of septic system problems in home sales in Western New York. I believe this is occurring due to the aging of the systems, as well as changes over the years in technology and building department requirements. The houses too, have changed over the years and, for example, a homeowner may have converted a basement or den into a bedroom, or installed a shower in the basement or elsewhere. This may not have been done in connection with a building permit and an inspection from the Town. The septic system may not have been enlarged to accommodate these changes.