tag:blogger.com,1999:blog-69919200087950175462024-03-14T01:03:32.380-04:00Probate, Wills and Estate Administration- Statutes and information NJKenneth Vercammen Law Office. (732)572-0500. Edison, NJ. To email Ken V, go here:
http://www.njlaws.com/ContactKenV.htmlVercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.comBlogger2205125tag:blogger.com,1999:blog-6991920008795017546.post-36390077821211884112024-03-06T11:23:00.003-05:002024-03-06T11:23:57.825-05:00Edison Senior Center Wills & Estates Update Seminar<p> </p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> Edison Senior Center</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Wills & Estates Update Seminar</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 14pt;">April 4, 2024 at 12 noon</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> Thursday</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> Edison Senior Center </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">2963 Woodbridge Ave, </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Edison, NJ 08837</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Join the Edison Seniors to attend.</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> Wills & Estate Administration-Protect Your Family and Make Planning Easy </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Speaker: Kenneth Vercammen, Esq. Edison, NJ (Author-Wills and Estate Administration by the ABA)</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> Main Topics:</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">1.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Dangers If You Have No Will or documents invalid</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">2.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Getting your Estate Planning Documents done when you can’t go into a law office</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">3.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 14pt;">What goes into a Will</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">4.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Power of Attorneys recommendations</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">5.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Living Will & Advance Directive for Medical Care</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 0in 0in 13.5pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> COMPLIMENTARY MATERIAL: Brochure on Wills, “Answers to Questions about Probate” and Administration of an Estate, Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trust. </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Info contact <b>Josie Brennan, LSW</b></span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Senior Center Supervisor</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">Township of Edison</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;">2963 Woodbridge Ave, Edison NJ 08837</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> 732-248-7346</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> </span><a href="mailto:jbrennan@edisonnj.gov" style="color: #954f72; text-decoration: underline;"><span style="color: black; font-family: Geneva, sans-serif; font-size: 14pt;">jbrennan@edisonnj.gov</span></a><span style="font-family: Geneva, sans-serif; font-size: 14pt;"></span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 14pt;"> </span></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-81173773526814192192024-01-16T10:38:00.005-05:002024-01-16T10:38:55.801-05:00Piscataway Library Estate Planning and Probate Seminar<p>
</p><p class="MsoNormal" style="margin-right: 76.2pt; tab-stops: 6.5in 490.5pt; text-align: justify;"><a name="OLE_LINK1"></a><a name="OLE_LINK2"></a><a name="OLE_LINK3"></a><a name="OLE_LINK5"></a><a name="OLE_LINK4"></a><a name="OLE_LINK6"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Piscataway Library</span></b></span></span></span></span></span></a></p>
<p class="MsoNormal" style="margin-right: 76.2pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: 6.5in; text-align: justify;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Estate
Planning and Probate <span style="mso-spacerun: yes;"> </span></span></b></span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></span></span></span></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">March 12 ,
2024 at 6pm live and also Facebook live.</span></span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: 76.2pt; tab-stops: 6.5in; text-align: justify;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-right: 76.2pt; tab-stops: 6.5in; text-align: justify;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">SPEAKER:<span class="apple-converted-space"> </span></span></b></span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Kenneth
Vercammen, Esq. Edison, (Author- ABA’s “Wills and Estate Administration book”)</span></span></span></span></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: 45.0pt 6.5in; text-align: justify;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><u><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Main
Topics:</span></u></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">What goes
into a Will</span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Dangers If
You Have No Will or documents invalid</span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Getting
your Estate Planning Documents done when you don’t need to drive i a law office</span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">NJ Estate Tax
eliminated and Inheritance Tax reduced<span style="color: black;"></span></span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Power of Attorneys
recommendations<span style="color: black;"></span></span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Living Will &
Advance Directive for Medical Care<span style="color: black;"></span></span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Administering the Estate/Probate
/Surrogate<span style="color: black;"></span></span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 76.2pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Avoiding unnecessary
expenses and saving your family money<span style="color: black;"></span></span></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: 76.2pt; tab-stops: 6.5in;"><span style="mso-bookmark: OLE_LINK6;"><span style="mso-bookmark: OLE_LINK4;"><span style="mso-bookmark: OLE_LINK5;"><span style="mso-bookmark: OLE_LINK3;"><span style="mso-bookmark: OLE_LINK2;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></span></span></p>
<span style="mso-bookmark: OLE_LINK1;"></span><span style="mso-bookmark: OLE_LINK2;"></span><span style="mso-bookmark: OLE_LINK3;"></span><span style="mso-bookmark: OLE_LINK5;"></span><span style="mso-bookmark: OLE_LINK4;"></span><span style="mso-bookmark: OLE_LINK6;"></span>
<p class="MsoNormal" style="margin-right: 76.2pt; tab-stops: 6.5in 490.5pt; text-align: justify;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Piscataway Public Library Kennedy Branch</span></p>
<p class="MsoNormal" style="margin-right: 76.2pt; tab-stops: 6.5in 490.5pt; text-align: justify;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">500 Hoes Lane </span></p>
<p class="MsoNormal" style="margin-right: 76.2pt; tab-stops: 6.5in 490.5pt; text-align: justify;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Piscataway NJ 08854</span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .5in 40.5pt 112.0pt 2.75in 3.25in 369.0pt 6.5in 490.5pt; text-align: justify;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">732-463-1633x6</span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .5in 40.5pt 112.0pt 2.75in 3.25in 369.0pt 6.5in 490.5pt; text-align: justify;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Link for free registration: </span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .5in 40.5pt 112.0pt 2.75in 3.25in 369.0pt 6.5in 490.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><a href="https://piscataway.librarycalendar.com/event/estate-planning-seminar-16542">https://piscataway.librarycalendar.com/event/estate-planning-seminar-16542</a></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .5in 40.5pt 112.0pt 2.75in 3.25in 369.0pt 6.5in 490.5pt; text-align: justify;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;"> </span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .5in 40.5pt 112.0pt 2.75in 3.25in 369.0pt 6.5in 490.5pt; text-align: justify;"><span style="color: #222222; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">more info:</span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: 31.5pt 6.5in 481.5pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"><a href="https://piscatawaylibrary.org">https://piscatawaylibrary.org</a></span></b></p>
<p class="MsoPlainText" style="margin-right: 76.2pt; tab-stops: 31.5pt 6.5in 481.5pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></b></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 6.5in 489.95pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">FB _</span></b></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 6.5in 489.95pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-tab-count: 1;"> </span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Free
Will Seminars and Speakers Bureau for Groups</span></b></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 6.5in 489.95pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">SPEAKERS BUREAU</span></b></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 6.5in 489.95pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>At the request of senior citizen
groups, unions, and Middlesex County companies and organizations, the "
Speakers Bureau " is a service designed to educate citizens about how laws
affect their lives and how the judicial system operates.<span style="mso-spacerun: yes;"> </span>We have attorneys available to speak to
businesspersons, educational, civic and social organizations on a wide range of
topics during business hours.<span style="mso-spacerun: yes;"> </span>If your organization
in Central NJ would like to schedule a Will & Estates seminar, call Kenneth
Vercammen’s Law Office at 732-572-0500 or email <u>Vercammenlaw@njlaws.com</u></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>10 years ago the AARP
Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago
established a community Speakers Bureau to provide educational programs to AARP
and senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen, Esq.
and volunteer attorneys of the Middlesex County Estate Planning Council have
provided Legal Rights Seminars to hundreds of seniors, business owners and
their employees, unions, clubs and non-profit groups </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Details on free
programs available</span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>These quality daytime
educational programs will educate and even entertain. Clubs and companies are invited
to schedule a free seminar. The following Seminars are now available: </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">1. WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">MAKE PLANNING EASY </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">2. POWER OF ATTORNEY to permit family to pay your bills if you are
temporarily disabled and permit doctors to talk with family </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>All instructors are licensed attorneys
who have been in practice at least 25 years. All instructors are members of the
American Bar Association, New Jersey </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">State Bar Association, and Middlesex County Bar Association. All
programs include free written materials. </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>You don't have to be
wealthy or near death to do some thinking about a Will. Here is your
opportunity to listen to an experienced attorney who will discuss how to distribute
your property as you wish and avoid many rigid provisions of state law. </span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 6.5in 481.5pt 489.95pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>Topics discussed include: Who needs a Will?;
What if you die without a Will (intestacy)?; Mechanics of a Will; "Living
Will"; Powers of Attorney; Selecting an executor, trustee, and guardian;
Proper Will execution; Inheritance Taxes, Estate Taxes $14,000 annual gift tax
exclusion,<span style="mso-spacerun: yes;"> </span>Bequests to charity, Why you
need a "Self-Proving" Will and Estate Administration/ Probate.</span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Sample materials: Hand-outs on Wills, Living
Wills/Medical Advance Directive, Power of Attorney, Probate and Administration
of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New
Jersey Laws, and Senior Citizen Rights. </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">SPEAKERS BUREAU </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>At the request of
senior citizen groups, unions, and Middlesex County companies and
organizations, the " Speakers Bureau " is a service designed to
educate citizens about how laws affect their lives and how the judicial system
operates. We have attorneys available to speak to businesspersons, educational,
civic and social organizations on a wide range of topics during business hours.
</span></p>
<p class="MsoPlainText" style="margin-right: 76.2pt; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;">
</span>In today's complex world, few people can function successfully and
safely without competent legal advice. In order to insure your estate plans are
legally set up, you need to know exactly where you stand so that you can avoid
possibly catastrophic mistakes impacting both you and your family. </span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 6.5in 481.5pt; text-align: justify; text-autospace: none;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>About
the speaker: Kenneth A. Vercammen is a trial attorney in Edison, NJ. We is the
author of the American Bar Association’s book “Wills and Estate Administration”</span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 6.5in 481.5pt; text-align: justify; text-autospace: none;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">He is co-chair of the ABA Probate & Estate
Planning Law Committee of the American Bar Association Solo Small Firm
Division.<span style="mso-spacerun: yes;"> </span>He is a speaker for the NJ State
Bar Association at the annual Nuts & Bolts of Elder Law & Estate
Administration program. </span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 6.5in 481.5pt; text-align: justify; text-autospace: none;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">He was Editor of the ABA Estate Planning
Probate Committee Newsletter. Mr. Vercammen has published over 150 legal
articles in national and New Jersey publications on litigation, elder law,
probate and trial topics. He is a highly regarded lecturer on litigation and
probate law for the American Bar Association, NJ ICLE, New Jersey State Bar
Association and Middlesex County Bar Association. His articles have been published
in noted publications included New Jersey Law Journal, ABA Law Practice Management
Magazine, and New Jersey Lawyer. He established the NJlaws website <u>www.njlaws.com</u>
which includes many articles on Estate Planning, Probate and Wills. He is a member
of the AARP and often lectures to groups on the importance of an up to date
Will, Power of Attorney and Living Will.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; mso-line-height-alt: 12.0pt; tab-stops: .25in 27.0pt 31.5pt center 225.0pt 238.0pt left 355.0pt 463.0pt 6.5in 481.5pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">KENNETH<span style="mso-spacerun: yes;"> </span>VERCAMMEN & ASSOCIATES, PC</b></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 463.0pt 6.5in 481.5pt 489.95pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">ATTORNEY AT LAW</span></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 6.5in 481.5pt 489.95pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">2053 Woodbridge Ave.</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 6.5in 481.5pt 489.95pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Edison, NJ 08817</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 6.5in 481.5pt 489.95pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">(Phone) 732-572-0500</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: 76.2pt; margin-top: 0in; tab-stops: .25in 31.5pt .5in 1.0in 2.75in 3.25in 369.0pt 463.0pt 6.5in 481.5pt; text-align: justify;"><u><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">www.njlaws.com </span></u></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-right: 76.2pt; tab-stops: .25in .5in 1.0in 2.75in 3.25in 369.0pt 6.5in; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></b></p>
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{margin-bottom:0in;}</style></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-3511033947379651312023-12-26T14:58:00.001-05:002023-12-26T14:58:28.123-05:00Specific bequest of property in Will<iframe style="background-image:url(https://i.ytimg.com/vi/vqSWCktwtzU/hqdefault.jpg)" width="480" height="360" src="https://youtube.com/embed/vqSWCktwtzU?si=JXK8MZz4qMyTaowU" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-76247357136114248052023-12-22T12:42:00.000-05:002023-12-22T12:42:50.296-05:00Woodbridge Library Wills, Estate Planning & Probate Seminar<p>
</p><p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><a name="OLE_LINK114"></a><a name="OLE_LINK115"></a><a name="OLE_LINK121"></a><a name="OLE_LINK122"></a><a name="OLE_LINK112"></a><a name="OLE_LINK113"></a><a name="OLE_LINK110"></a><a name="OLE_LINK111"></a><a name="OLE_LINK108"></a><a name="OLE_LINK109"><span style="mso-bookmark: OLE_LINK108;"><span style="mso-bookmark: OLE_LINK111;"><span style="mso-bookmark: OLE_LINK110;"><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Woodbridge
Library</span></b></span></span></span></span></span></span></span></span></span></a></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK109;"><span style="mso-bookmark: OLE_LINK108;"><span style="mso-bookmark: OLE_LINK111;"><span style="mso-bookmark: OLE_LINK110;"><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Wills, Estate Planning
& Probate Seminar</span></b></span></span></span></span></span></span></span></span></span></span></p>
<span style="mso-bookmark: OLE_LINK110;"></span><span style="mso-bookmark: OLE_LINK111;"></span><span style="mso-bookmark: OLE_LINK108;"></span><span style="mso-bookmark: OLE_LINK109;"></span>
<p class="MsoNormal"><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">April 30 , 2024 </span></span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Tahoma;">at 6:30.</span></span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK113;"><span style="mso-bookmark: OLE_LINK112;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></span></span></span></span></span></span></p>
<span style="mso-bookmark: OLE_LINK112;"></span><span style="mso-bookmark: OLE_LINK113;"></span>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="background: white; color: #333333; font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>This event will
take place <u>in-person </u> at the Woodbridge Main Library. </span></b></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Free program open to
the public, you do not need to be a Township resident to attend.</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">WILLS & ESTATE
ADMINISTRATION-PROTECT YOUR FAMILY AND MAKE PLANNING EASY </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>SPEAKER: Kenneth Vercammen, Esq. Edison, NJ
(Author- Wills and Estate Administration by the ABA)</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; tab-stops: 45.0pt 6.5in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><u><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>Main Topics:</span></u></span></span></span></span></p>
<p class="MsoListParagraph" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Administering the
Estate/Probate /Surrogate</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .25in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Dangers If
You Have No Will or documents invalid</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .25in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">Getting
your Estate Planning Documents done when you can’t go into a law office</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .25in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;">What goes
into a Will</span></span></span></span></span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Power of Attorneys
recommendations</span></span></span></span></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Living Will &
Advance Directive for Medical Care</span></span></span></span></span></p>
<p class="MsoListParagraphCxSpLast" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: .25in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Avoiding unnecessary expenses
and saving your family money</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">This is where participants can register :</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"></span></span></span></span><a href="https://woodbridgelibrary.evanced.info/signup/EventDetails?EventId=15012&backTo=Calendar&startDate=2023/11/01" target="_blank"></a><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span class="MsoHyperlink"><span style="color: #006693; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Tahoma;"><span style="mso-spacerun: yes;"> </span>__</span></span></span></span></span></span><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;"> </span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b><span style="color: #333333; font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>For questions about registration to this
program please contact </span></b></span></span></span></span><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: #444444; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Najea Grimes Library Associate</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: #444444; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Woodbridge Public Library George Frederick Plaza</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: #444444; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: Arial;">Woodbridge, NJ 07095 732-634-4450 ext.7117</span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></span></span></span></span><a href="mailto:ngrimes@woodbridgelibrary.org"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;">ngrimes@woodbridgelibrary.org</span></span></span></span></span></a><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span class="MsoHyperlink"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"></span></span></span></span></span></span></p>
<p class="MsoNormal" style="margin-right: .25in; text-align: justify;"><span style="mso-bookmark: OLE_LINK122;"><span style="mso-bookmark: OLE_LINK121;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"> </span></span></span></span></span></p>
<span style="mso-bookmark: OLE_LINK121;"></span><span style="mso-bookmark: OLE_LINK122;"></span>
<p class="MsoPlainText" style="margin-right: .25in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">FB _</span></b></span></span></p>
<p class="MsoPlainText" style="margin-right: .25in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"> </span></b></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Can’t attend?<span style="mso-spacerun: yes;"> </span>We
can email you materials Send email to </span></b></span></span><a href="mailto:VercammenLaw@Njlaws.com"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="color: windowtext; font-family: "Geneva",sans-serif; font-size: 13.0pt;">VercammenLaw@Njlaws.com</span></b></span></span></a><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></b></span></span></p>
<p class="MsoPlainText" style="margin-right: .25in; tab-stops: 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-tab-count: 1;"> </span></span></span></span><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Free Will Seminars and Speakers Bureau for Groups</span></b></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">SPEAKERS BUREAU</span></b></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in .5in 2.75in 3.25in 369.0pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;">
</span>At the request of senior citizen groups, unions, and Middlesex County
companies and organizations, the " Speakers Bureau " is a service
designed to educate citizens about how laws affect their lives and how the
judicial system operates.<span style="mso-spacerun: yes;"> </span>We have
attorneys available to speak to businesspersons, educational, civic and social
organizations on a wide range of topics during business hours.<span style="mso-spacerun: yes;"> </span>If your organization in Central NJ would like
to schedule a Will & Estates seminar, call Kenneth Vercammen’s Law Office
at 732-572-0500 or email Vercammenlaw@njlaws.com</span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>10 years ago the AARP
Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago
established a community Speakers Bureau to provide educational programs to AARP
and senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen,
Esq. and volunteer attorneys of the Middlesex County Estate Planning Council
have provided Legal Rights Seminars to hundreds of seniors, business owners and
their employees, unions, clubs and non-profit groups </span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Details on free
programs available</span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>These quality daytime
educational programs will educate and even entertain. Clubs and companies are
invited to schedule a free seminar. The following Seminars are now available: </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">1. WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">MAKE PLANNING EASY </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">2. POWER OF ATTORNEY to permit family to pay your bills if you are
temporarily disabled and permit doctors to talk with family </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>All instructors are
licensed attorneys who have been in practice at least 25 years. All instructors
are members of the American Bar Association, New Jersey </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">State Bar Association, and Middlesex County Bar Association. All
programs include free written materials. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>You don't have to be
wealthy or near death to do some thinking about a Will. Here is your
opportunity to listen to an experienced attorney who will discuss how to
distribute your property as you wish and avoid many rigid provisions of state
law. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt .5in 2.75in 3.25in 369.0pt 5.25in 423.0pt 441.0pt 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span></span></span></span><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Topics discussed
include: Who needs a Will?; What if you die without a Will (intestacy)?;
Mechanics of a Will; "Living Will"; Powers of Attorney; Selecting an
executor, trustee, and guardian; Proper Will execution; Inheritance Taxes,
Estate Taxes $14,000 annual gift tax exclusion,<span style="mso-spacerun: yes;">
</span>Bequests to charity, Why you need a "Self-Proving" Will and
Estate Administration/ Probate.</span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"><span style="mso-spacerun: yes;"> </span>Sample materials:
Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney,
Probate and Administration of an Estate, Real Estate, Working with your
Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">SPEAKERS BUREAU </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">At the request of senior citizen groups, unions, and Middlesex
County companies and organizations, the " Speakers Bureau " is a
service designed to educate citizens about how laws affect their lives and how
the judicial system operates. We have attorneys available to speak to
businesspersons, educational, civic and social organizations on a wide range of
topics during business hours. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";">In today's complex world, few people can function successfully and
safely without competent legal advice. In order to insure your estate plans are
legally set up, you need to know exactly where you stand so that you can avoid
possibly catastrophic mistakes impacting both you and your family. </span></span></span></p>
<p class="MsoPlainText" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt; mso-fareast-font-family: "MS Mincho";"> </span></span></span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 481.5pt; text-align: justify; text-autospace: none;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">About the speaker: Kenneth A. Vercammen is a trial
attorney in Edison, NJ. We is the author of the American Bar Association’s book
“Wills and Estate Administration”</span></span></span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 481.5pt; text-align: justify; text-autospace: none;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">He is co-chair of the ABA Probate & Estate Planning
Law Committee of the American Bar Association Solo Small Firm Division.<span style="mso-spacerun: yes;"> </span>He is a speaker for the NJ State Bar
Association at the annual Nuts & Bolts of Elder Law & Estate
Administration program. </span></span></span></p>
<p class="MsoNormal" style="line-height: 20.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .25in 31.5pt 463.0pt 481.5pt; text-align: justify; text-autospace: none;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">He was Editor of the ABA Estate Planning Probate Committee
Newsletter. Mr. Vercammen has published over 150 legal articles in national and
New Jersey publications on litigation, elder law, probate and trial topics. He
is a highly regarded lecturer on litigation and probate law for the American
Bar Association, NJ ICLE, New Jersey State Bar Association and Middlesex County
Bar Association. His articles have been published in noted publications
included New Jersey Law Journal, ABA Law Practice Management Magazine, and New
Jersey Lawyer. He established the NJlaws website <u>www.njlaws.com</u> which
includes many articles on Estate Planning, Probate and Wills. He is a member of
the AARP and often lectures to groups on the importance of an up to date Will,
Power of Attorney and Living Will.</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; mso-line-height-alt: 12.0pt; tab-stops: .25in 27.0pt 31.5pt center 225.0pt 238.0pt left 355.0pt 463.0pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">KENNETH<span style="mso-spacerun: yes;"> </span>VERCAMMEN & ASSOCIATES, PC</b></span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">ATTORNEY AT LAW</span></b></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">2053 Woodbridge Ave.</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">Edison, NJ 08817</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 355.0pt 5.25in 463.0pt 481.5pt 489.95pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">(Phone) 732-572-0500</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt 351.0pt 463.0pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"><span style="mso-spacerun: yes;"> </span>(Fax)<span style="mso-spacerun: yes;">
</span>732-572-0030</span></span></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 9.0pt; margin-right: .25in; margin-top: 0in; tab-stops: .25in 31.5pt .5in 1.0in 2.75in 3.25in 369.0pt 463.0pt 481.5pt; text-align: justify;"><span style="mso-bookmark: OLE_LINK115;"><span style="mso-bookmark: OLE_LINK114;"><u><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;">www.njlaws.com </span></u></span></span><u><span style="font-family: "Geneva",sans-serif; font-size: 13.0pt;"></span></u></p>
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{margin-bottom:0in;}</style></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-87906876855218192172023-12-22T10:52:00.001-05:002023-12-22T10:52:15.924-05:00Woodbridge Library Wills, Estate Planning and Probate Seminar<iframe style="background-image:url(https://i.ytimg.com/vi/qoKYyb6F7P8/hqdefault.jpg)" width="480" height="270" src="https://youtube.com/embed/qoKYyb6F7P8?si=HX0Rho2xpFLxn0ye" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-69006998168034796562023-12-22T10:35:00.000-05:002023-12-22T10:35:03.532-05:00Asministration of Estate where there is no Will in Middlesex County NJ<iframe width="480" height="360" src="https://youtube.com/embed/C5cnjS8O1eQ?si=6eBaVCfLAt-bcWCb" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-16481581638935545972023-12-22T10:23:00.001-05:002023-12-22T10:23:33.199-05:00Preparation of Wills in Middlesex County<iframe width="480" height="360" src="https://youtube.com/embed/HgmE4E8fOEw?si=WgLSQAT5z-8zz1ae" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-50511035538434538762023-12-21T15:28:00.001-05:002023-12-21T15:28:16.113-05:00Probating the Will in Monmouth County<iframe width="480" height="360" src="https://youtube.com/embed/8HFS9Wv7fyU?si=g8jn16t1IswMntKr" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-53092070298881303762023-12-21T14:27:00.001-05:002023-12-21T14:27:07.251-05:00Probating the Will in Mercer County<iframe width="480" height="360" src="https://youtube.com/embed/dcswyPMC_ro?si=cXCIocNOk4v8hp1w" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-7071951157453908782023-12-21T14:19:00.001-05:002023-12-21T14:19:41.165-05:00How to Probate a Will<iframe width="480" height="360" src="https://youtube.com/embed/W6ZOMGfyiMw?si=75yren305jcPVgfl" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-40985481775435500972023-12-21T14:01:00.001-05:002023-12-21T14:01:27.775-05:00Probating the Will in Union County<iframe width="480" height="360" src="https://youtube.com/embed/cuy9E6Q10iA?si=lBM2sHMr6QpseNz3" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-86783418498787809522023-12-21T14:00:00.001-05:002023-12-21T14:00:29.643-05:00Probating the Will in Somerset County<iframe width="480" height="360" src="https://youtube.com/embed/0Lg9PkTUfs4?si=p2FSXj048XFuIoKG" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-46652333131104726272023-12-21T13:57:00.001-05:002023-12-21T13:57:51.777-05:00Probating the Will in Ocean County<iframe width="480" height="360" src="https://youtube.com/embed/Qa9WWAaJkeA?si=2eEZ_7ugG1w3kosm" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-38484203861221106972023-12-20T15:22:00.000-05:002023-12-20T15:22:29.177-05:00Milltown Library Wills & Estates Update Seminar NJ<p> </p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Wills & Estates Update Seminar</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;">January 23, 2024 at 6pm</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 44.7pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Milltown Library </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 44.7pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">20 W Church St.</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 44.7pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Milltown, NJ 08850</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Wills & Estate Administration-Protect Your Family and Make Planning Easy. Free program in person open to the public, you do not need to be a Township resident to attend. </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> Speaker: Kenneth Vercammen, Esq. Edison, NJ (Author-Wills and Estate Administration by the ABA)</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 27pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><u><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Main Topics:</span></u><span style="font-family: Geneva, sans-serif; font-size: 13pt;"></span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 0.5in; orphans: auto; text-align: justify; text-decoration: none; text-indent: -0.25in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">1.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Dangers If You Have No Will or documents invalid</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 0.5in; orphans: auto; text-align: justify; text-decoration: none; text-indent: -0.25in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">2.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Getting your Estate Planning Documents done </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 0.5in; orphans: auto; text-align: justify; text-decoration: none; text-indent: -0.25in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">3.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;">What’s new in 2024 in Estate Planning</span></p><p class="MsoListParagraphCxSpFirst" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 27pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: -0.25in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">4.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Power of Attorneys recommendations</span></p><p class="MsoListParagraphCxSpMiddle" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 27pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: -0.25in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">5.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Living Will & Advance Directive for Medical Care</span></p><p class="MsoListParagraphCxSpMiddle" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 27pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: -0.25in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">6.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Avoiding unnecessary expenses and saving your family money </span></p><p class="MsoListParagraphCxSpMiddle" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 27pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: -0.25in; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">7.<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-alternates: normal; font-variant-caps: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Administering the Estate/Probate /Surrogate</span></p><p class="MsoListParagraphCxSpLast" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 1.3in 0.0001pt 27pt; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">732-247-2270</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.5pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 84.6pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> FB</span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 84.6pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Can’t attend? We can email you materials Send email to </span></b><a href="mailto:VercammenLaw@Njlaws.com" style="color: #954f72; text-decoration: underline;"><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;">VercammenLaw@Njlaws.com</span></b></a><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;"></span></b></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><a href="https://www.facebook.com/events/788109301699025" style="color: #954f72; text-decoration: underline;"></a><span class="MsoHyperlink" style="color: #0563c1; text-decoration: underline;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></span><span style="font-family: Geneva, sans-serif; font-size: 13pt;"></span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; line-height: 18pt; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Free Will Seminars and Speakers Bureau for Groups</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; line-height: 18pt; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><b><span style="font-family: Geneva, sans-serif; font-size: 13pt;">SPEAKERS BUREAU</span></b></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; line-height: 18pt; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates. We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours. If your organization in Central NJ would like to schedule a Will & Estates seminar, call Kenneth Vercammen’s Law Office at 732-572-0500 or email<span class="Apple-converted-space"> </span><a href="mailto:Vercammenlaw@njlaws.com" style="color: #954f72; text-decoration: underline;">Vercammenlaw@njlaws.com</a></span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> 10 years ago the AARP Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago established a community Speakers Bureau to provide educational programs to AARP and senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen, Esq. and volunteer attorneys of the Middlesex County Estate Planning Council have provided Legal Rights Seminars to hundreds of seniors, business owners and their employees, unions, clubs and non-profit groups </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">Details on free programs available</span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> These quality daytime educational programs will educate and even entertain. Clubs and companies are invited to schedule a free seminar. The following Seminars are now available: </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">1. WILLS & ESTATE ADMINISTRATION-PROTECT YOUR FAMILY AND </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">MAKE PLANNING EASY </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">2. POWER OF ATTORNEY to permit family to pay your bills if you are temporarily disabled and permit doctors to talk with family </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> All instructors are licensed attorneys who have been in practice at least 25 years. All instructors are members of the American Bar Association, New Jersey </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">State Bar Association, and Middlesex County Bar Association. All programs include free written materials. </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> You don't have to be wealthy or near death to do some thinking about a Will. Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of state law. </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; line-height: 18pt; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> Topics discussed include: Who needs a Will?; What if you die without a Will (intestacy)?; Mechanics of a Will; "Living Will"; Powers of Attorney; Selecting an executor, trustee, and guardian; Proper Will execution; Inheritance Taxes, Estate Taxes $14,000 annual gift tax exclusion, Bequests to charity, Why you need a "Self-Proving" Will and Estate Administration/ Probate.</span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> Sample materials: Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney, Probate and Administration of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights. </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">SPEAKERS BUREAU </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates. We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours. </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> In today's complex world, few people can function successfully and safely without competent legal advice. In order to insure your estate plans are legally set up, you need to know exactly where you stand so that you can avoid possibly catastrophic mistakes impacting both you and your family. </span></p><p class="MsoPlainText" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Courier; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; line-height: 20pt; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> About the speaker: Kenneth A. Vercammen is a trial attorney in Edison, NJ. We is the author of the American Bar Association’s book “Wills and Estate Administration”</span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; line-height: 20pt; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">He is co-chair of the ABA Probate & Estate Planning Law Committee of the American Bar Association Solo Small Firm Division. He is a speaker for the NJ State Bar Association at the annual Nuts & Bolts of Elder Law & Estate Administration program. </span></p><p class="MsoNormal" style="-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); color: black; font-family: Calibri, sans-serif; font-size: medium; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; line-height: 20pt; margin: 0in 31.2pt 0in 0in; orphans: auto; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">He was Editor of the ABA Estate Planning Probate Committee Newsletter. Mr. Vercammen has published over 150 legal articles in national and New Jersey publications on litigation, elder law, probate and trial topics. He is a highly regarded lecturer on litigation and probate law for the American Bar Association, NJ ICLE, New Jersey State Bar Association and Middlesex County Bar Association. His articles have been published in noted publications included New Jersey Law Journal, ABA Law Practice Management Magazine, and New Jersey Lawyer. He established the NJlaws website <u><a href="http://www.njlaws.com/" style="color: #954f72; text-decoration: underline;">www.njlaws.com</a></u> which includes many articles on Estate Planning, Probate and Wills. He is a member of the AARP and often lectures to groups on the importance of an up to date Will, Power of Attorney and Living Will.</span></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-72660891006960151752023-12-04T11:39:00.002-05:002023-12-04T11:39:54.008-05:00Sayerville Senior Center Wills, Estate Planning, & Probate Seminar<p></p><p></p><p><iframe frameborder="0" height="270" src="https://youtube.com/embed/4zbYkeIZd0s?si=sWtz4fZ5l9qr6RC9" width="480"></iframe></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-24845915890084019712023-12-01T16:30:00.003-05:002023-12-01T16:30:17.031-05:00Wills & Power of Attorney Seminar North Brunswick<p>
</p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Wills & Power of Attorney Seminar </span></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-spacerun: yes;"> </span>North
Brunswick Chapter #3885 of AARP</span></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><a name="OLE_LINK1"></a><a name="OLE_LINK2"><span style="mso-bookmark: OLE_LINK1;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">February 5, 2024 at </span></b></span></a><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">12:30</span></b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> <b style="mso-bidi-font-weight: normal;"></b></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Arial;">North Brunswick Senior Center, 15 Linwood Place, North
Brunswick, NJ 08902</span><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"></span></b></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 112.0pt 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; tab-stops: 45.0pt 6.5in; text-align: justify;"><u><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Main
Topics:</span></u><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 1.3in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Dangers If
You Have No Will or documents invalid</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 1.3in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Getting
your Estate Planning Documents done </span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 1.3in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">What’s new
in 2024 in Estate Planning</span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Power of Attorneys
recommendations</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Living Will &
Advance Directive for Medical Care</span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Avoiding unnecessary
expenses and saving your family money </span></p>
<p class="MsoListParagraphCxSpLast" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 1.3in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 45.0pt 459.0pt 6.5in; text-align: justify; text-indent: -.25in;"><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Geneva",sans-serif; font-size: 16.0pt;">Administering the Estate/Probate
/Surrogate</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: 4.5pt 22.0pt 1.5in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;"></b></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;">COMPLIMENTARY
MATERIAL: </b>Brochures on Wills, "Answers to Questions about
Probate" and Administration of an Estate, Power of Attorney, Living Wills,
and Trusts.</span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 112.0pt 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">SPEAKER: </span></b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Kenneth Vercammen, Esq. Edison, NJ</span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 112.0pt 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>(Author-
Answers to Questions About Probate)</span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Must Join
the <b style="mso-bidi-font-weight: normal;">North Brunswick Chapter #3885 of
AARP to attend</b></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> </span></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 4.5pt; margin-right: 44.7pt; margin-top: 0in; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;">Call 732-670-6677</span></b><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"></span></p>
<p class="MsoNormal" style="line-height: 18.0pt; margin-right: 44.7pt; tab-stops: .5in 1.0in 2.75in 3.25in 369.0pt; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Geneva",sans-serif; font-size: 16.0pt;"> </span></b></p>
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{margin-bottom:0in;}</style></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-6838307899267578292023-11-30T13:56:00.003-05:002023-11-30T14:02:54.692-05:0090th Semi-Annual Tax and Estate Planning Forum<div style="text-align: left;"></div><p style="text-align: left;"></p><p class="MsoNormal" style="background: white; text-align: left; vertical-align: baseline;"><b><span style="border: 1pt windowtext; font-family: Montserrat; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"><span style="mso-spacerun: yes;"> </span> </span></b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Dec 6, 2023 9:00 a.m. –
5:00 p.m.</span></p>
<p class="MsoNormal" style="background: white; text-align: left; vertical-align: baseline;"><b><span style="border: 1pt windowtext; font-family: Montserrat; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Location: </span></b><b><span style="color: #540000; font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">New Jersey Law Center, New Brunswick and Online</span></b></p>
<p class="MsoNormal" style="background: white; text-align: left; vertical-align: baseline;"><b><span style="border: 1pt windowtext; font-family: Montserrat; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Areas
of Law: </span></b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Estate Law</span></p>
<p class="MsoNormal" style="text-align: left;"><a href="https://njsba.com/event/90th-semi-annual-tax-and-estate-planning-forum/">https://njsba.com/event/90th-semi-annual-tax-and-estate-planning-forum/</a><span class="MsoHyperlink"></span></p>
<p class="MsoNormal" style="text-align: left;"> </p>
<p class="MsoNormal" style="text-align: left;"> </p>
<p style="margin: 0in; text-align: left; vertical-align: baseline;"><b><span style="border: 1pt windowtext; font-family: Montserrat; font-size: 13pt; mso-border-alt: none windowtext 0in; padding: 0in;">Location:</span></b><span class="apple-converted-space"><span style="font-family: Montserrat; font-size: 13pt;"> </span></span><span style="font-family: Montserrat; font-size: 13pt;">New Jersey Law Center, New
Brunswick and Online</span></p>
<p style="margin: 0in; text-align: left; vertical-align: baseline;"><b><span style="border: 1pt windowtext; font-family: Montserrat; font-size: 13pt; mso-border-alt: none windowtext 0in; padding: 0in;">NJ Bar Member Price:</span></b><span class="apple-converted-space"><b><span style="border: 1pt windowtext; font-family: Montserrat; font-size: 13pt; mso-border-alt: none windowtext 0in; padding: 0in;"> </span></b></span><span style="font-family: Montserrat; font-size: 13pt;">$188</span></p>
<p style="margin: 0in; text-align: left; vertical-align: baseline;"><b><span style="border: 1pt windowtext; font-family: Montserrat; font-size: 13pt; mso-border-alt: none windowtext 0in; padding: 0in;">Non-Member Price:</span></b><span class="apple-converted-space"><b><span style="border: 1pt windowtext; font-family: Montserrat; font-size: 13pt; mso-border-alt: none windowtext 0in; padding: 0in;"> </span></b></span><span style="font-family: Montserrat; font-size: 13pt;">$235</span></p>
<p class="MsoNormal" style="text-align: left;">Includes Lunch and book</p>
<p class="MsoNormal" style="text-align: left;"> </p>
<p class="MsoNormal" style="margin-bottom: 3.75pt; text-align: left; vertical-align: baseline;"><b><span style="color: #8c0e0f; font-family: Montserrat; letter-spacing: 0.75pt; mso-fareast-font-family: "Times New Roman"; text-transform: uppercase;">MODERATOR</span></b></p>
<p class="MsoNormal" style="text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">John J. Miesowitz, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Ventura
Miesowitz Keough & Warner PC, Summit</span></p>
<p class="MsoNormal" style="margin-left: 0.25in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">John
L. Pritchard, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Law
Offices of John L Pritchard, Esq., Union</span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;"> </p>
<p class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">Keynote</p>
<p class="MsoNormal" style="text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Shirley B. Whitenack,
Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Schenck
Price Smith & King, Florham Park</span></p>
<p class="MsoNormal" style="margin-bottom: 3.75pt; text-align: left; vertical-align: baseline;"><b><span style="color: #8c0e0f; font-family: Montserrat; letter-spacing: 0.75pt; mso-fareast-font-family: "Times New Roman"; text-transform: uppercase;">PRESENTERS</span></b></p>
<p class="MsoNormal" style="text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Eric A. Carosia, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Berkowitz
Lichtstein Kuritsky Giasullo & Gross LLC, Roseland</span></p>
<p class="MsoNormal" style="margin-left: 0.25in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Richard
H. Greenberg, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Past
Chair, NJSBA Real Property, Trust and Estate Law Section, Greenberg &
Schulman, Monroe</span></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Glenn
A. Henkel, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Kulzer
& DiPadova PA, Haddonfield</span></p>
<p class="MsoNormal" style="margin-left: 0.75in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Jack
F. Meola, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">EisnerAmper
LLP, Iselin</span></p>
<p class="MsoNormal" style="margin-left: 1in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Gary
A. Prince, Jr., Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Mantell
Prince & Reynolds PC, Basking Ridge</span></p>
<p class="MsoNormal" style="margin-left: 1.25in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Timothy
P. Terry, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Sonnenschein
Nath & Rosenthal LLP, Short Hills</span></p>
<p class="MsoNormal" style="margin-left: 1.5in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Stacey
M. Valentine, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Avelino
Law, LLP, Morristown</span></p>
<p class="MsoNormal" style="margin-left: 1.75in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Kenneth
A. Vercammen, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Kenneth
Vercammen & Associates, PC, Edison</span></p>
<p class="MsoNormal" style="margin-left: 2in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Leonard
J. Witman, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Witman
Stadtmauer PA, Florham Park</span></p>
<p class="MsoNormal" style="margin-left: 2.25in; text-align: left; vertical-align: baseline;"><b><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Amanda
Claire Wolfe, Esq.</span></b></p>
<p class="MsoNormal" style="margin-left: 0.5in; text-align: left; vertical-align: baseline;"><span style="font-family: Montserrat; mso-fareast-font-family: "Times New Roman";">Post
Polak, Roseland</span></p>
<p class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;"> </p>
<p class="MsoNormal" style="background: white; text-align: left; vertical-align: baseline;"><b><span style="border: 1pt windowtext; color: #dca958; font-family: Montserrat; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Earn up to 7.9 credits!</span></b><b><span style="color: #dca958; font-family: Montserrat; mso-fareast-font-family: "Times New Roman";"></span></b></p>
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{page:WordSection1;}</style></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0New Brunswick, NJ, USA40.4862157 -74.451818812.175981863821157 -109.6080688 68.796449536178841 -39.2955688tag:blogger.com,1999:blog-6991920008795017546.post-36296156040641159762023-11-28T10:30:00.001-05:002023-11-28T10:30:18.793-05:00Sayerville Library Wills, Estate Planning, & Probate Seminar<iframe style="background-image:url(https://i.ytimg.com/vi/VQGh5r1rzPY/hqdefault.jpg)" width="480" height="270" src="https://youtube.com/embed/VQGh5r1rzPY?si=Kcf6fWEIq6xL8Jrm" frameborder="0"></iframe>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0Edison, NJ, USA40.5187154 -74.412095312.208481563821152 -109.5683453 68.828949236178843 -39.255845300000004tag:blogger.com,1999:blog-6991920008795017546.post-35795532209452949332023-10-16T13:16:00.001-04:002023-10-16T13:16:31.937-04:00 Doctrine of necessity explained to require spouse to pay medical bills of other spouse SOUTHERN OCEAN MEDICAL CENTER VS. THE ESTATE OF JULIUS PARKER, ET AL<p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 12pt;"> </span>Doctrine of necessity explained to require spouse to pay medical bills of other spouse<span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Plaintiff-Respondent, v.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">THE ESTATE OF JULIUS PARKER and SUSAN PARKER,</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Defendants-Appellants. ___________________________</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Argued September 13, 2023 – Decided September 21, 2023 Before Judges Currier and Firko.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">On appeal from the Superior Court of New Jersey, Law Division, Ocean County, Docket No. DC-004053-22.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">PER CURIAM</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION<br />DOCKET NO. A-0797-22 </span><b><span style="background-color: white; font-size: 11pt;">NOT FOR PUBLICATION WITHOUT THE APPROV AL OF THE APPELLATE DIVISION</span></b><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="background-color: white; font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 9pt;">This opinion shall not "constitute precedent or be binding upon any court." Although it is posted on the internet, this opinion is binding only on the parties in the case and its use in other cases is limited. R. 1:36-3.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Defendants Estate of Julius Parker and Susan Parker, decedent's widow, appeal from the trial court's November 9, 2022 order granting summary judgment in favor of plaintiff Southern Ocean Medical Center. Following our review of the record and applicable legal principles, we conclude there are no genuine issues of material fact that precluded judgment as a matter of law under Rule 4:46-2(c), and we affirm.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">I.<br />Viewed in the light most favorable to defendants, Templo Fuente De Vida</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Corporation v. National Union Fire Insurance Company of Pittsburgh, 224 N.J. 189, 199 (2016), the pertinent facts are as follows. This is a book account action. On November 30 and December 1, 2017, plaintiff rendered medical services to Julius.</span><span style="font-size: 9pt; position: relative; top: -5pt;">1 </span><span style="font-size: 14pt;">On both occasions, he executed an Insurance Assignment and Patient Financial Responsibility Agreement in favor of plaintiff. Plaintiff submitted its bills to decedent's healthcare insurance carrier, who processed the claims. Decedent's out-of-pocket responsibility for the services after payment of the deductible was $1,645.37 and $519.75 respectively, for a total due of $2,165.12. On December 17, 2018, Julius died intestate. His wife Susan valued his estate</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 9pt; position: relative; top: -5pt;">1 </span><span style="font-size: 14pt;">Because defendants share a common surname, we refer to them by their first names. By doing so, we intend no disrespect.</span><span style="font-size: 12pt;"> <img alt="page2image1007118176" height="33" src="blob:https://www.blogger.com/c9815cd7-08ea-439c-981b-f7fb8416d1e1" v:shapes="Picture_x0020_1" width="410" /> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">at $124.96. Plaintiff demanded payment from defendants, but no payment was made.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Plaintiff filed a complaint in the Law Division, Special Civil Part, again demanding payment of the $2,165.12 balance due, plus interest and attorney's fees. A copy of the health insurance carrier's determination was annexed to the complaint. Default was entered and upon motion by defendants was vacated. An answer was filed generally denying the allegations in the complaint. Defendants did not propound any discovery requests upon plaintiff.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Plaintiff moved for summary judgment and to amend the caption to reflect Julius's passing and naming the estate as a defendant. In support of its motion, plaintiff submitted a certification of Angela Cocuzza, the manager of patient accounts for Hackensack Meridian Health System, plaintiff's governing entity. Cocuzza certified that services were rendered by plaintiff to Julius, and she verified the amount due after payments were made by his health insurance carrier and the deductible was applied.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Cocuzza also certified that Julius and Susan were husband and wife at the time plaintiff rendered services to Julius, and therefore, Susan was responsible for payment of the outstanding balance. The healthcare insurance carriers' determination and the Insurance Assignment and Financial Responsibility</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Agreement, which contained guaranty of payments provisions, signed by Julius, were annexed to Cocuzza's certification. Cocuzza certified the sum of $2,165.12 was still outstanding.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">In opposition, defendants only submitted a letter brief</span><span style="font-size: 9pt; position: relative; top: -5pt;">2 </span><span style="font-size: 14pt;">contending Susan was not responsible for the medical expenses incurred by Julius until a determination was made that Julius's financial resources were insufficient to satisfy the debt, citing Jersey Shore Medical Center – Fitkin Hospital v. Estate of Sydney Baum and Carolyn H. Baum, 84 N.J. 137 (1980). Defendants challenged the reasonable value of services rendered to Julius and maintained that plaintiff bore the burden of proof on that issue. Defendants posited that</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 9pt; position: relative; top: -5pt;">2 </span><span style="font-size: 14pt;">Rule 4:46-2(b) provides the requirements in opposing a summary judgment motion. The Rule provides:</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 12pt;"><img alt="page4image1007526560" height="33" src="blob:https://www.blogger.com/014d3cb7-664a-40c7-b0bf-63a51d1374ff" v:shapes="Picture_x0020_2" width="331" /> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">A party opposing the motion shall file a responding statement either admitting or disputing each of the facts in the movant's statement. Subject to R[ule] 4:46-5(a), all material facts in the movant's statement which are sufficiently supported will be deemed admitted for purposes of the motion only, unless specifically disputed by citation conforming to the requirements of paragraph (a) demonstrating the existence of a genuine issue as to fact. An opposing party may also include in the responding statement additional facts that the party contends are material and as to which there exists a genuine issue. Each such fact shall be stated in separately numbered paragraphs together with citations to the motion record.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">before the reasonable value of services could be determined, plaintiff had to produce Julius's medical records and expert analysis to determine the reasonableness and value of the services rendered and to establish whether any alternative treatment was available.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Defendants also contended production of the book account alone by plaintiff does not establish the reasonable value of the services. In addition, defendants asserted the documents submitted by plaintiff in support of its claim were bills with "very vague references to the nature of the services rendered and a blanket charge." In defendants' view, Cocuzza, as a hospital administrator, was not competent to attest to the reasonableness of the costs and necessity of the services rendered to Julius.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Defendants cited Hackensack Hospital v. Tiajoloff, 85 N.J. Super. 417, 419-421 (App. Div. 1964), and Sallo v. Sabatino, 146 N.J. Super. 416, 418 (App. Div. 1976), for the general proposition that a hospital must lay a proper foundation that treatment was necessary, and the charges were reasonable.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">In reply, plaintiff asserted that defendants did not submit an affidavit or certification in support of their argument, and Susan failed to challenge the reasonableness of the charges. Plaintiff also argued that defendants presented no factual basis to challenge the validity of the documents submitted in support</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 8pt;">A-0797-22</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">of the motion or to question the reasonableness of the charges. In addition, plaintiff maintained that defendants did not serve any discovery demands or request production of documents. Regarding the estate, plaintiff noted Susan's Spousal Affidavit, which she filed with the Ocean County Surrogate, listed the total assets of the estate at $124.96 and that estate administration costs could exhaust that amount. Plaintiff relied upon our decision in Hahnemann University Hospital v. Dudnick, 292 N.J. Super. 11, 17 (App. Div. 1996), to admit its computer-generated business records through Cocuzza as trustworthy and to establish plaintiff did not have the burden to show the hospital charges are usual, customary, and reasonable.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">In reply, defendants contended plaintiff's reliance on Hahnemann was misguided because that case relied upon personal injury protection (PIP) fee schedule rates to determine reimbursement of PIP medical expenses and equipment and the usual, customary, and reasonable standard in that context, and not hospital bills that are not automobile-accident related. Defendants also contended Susan should have been provided discovery and the opportunity to investigate plaintiff's charges before plaintiff's motion for summary judgment was filed.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">The trial court did not conduct oral argument on plaintiff's motion for summary judgment but issued an oral decision. In its decision, the trial court highlighted that Susan did not propound discovery regarding the specific nature of the treatment and related charges, and her attempt to assert that argument as a defense "d[id] not amount to a genuine issue of material fact." The trial court found plaintiff submitted an itemized list of the treatments rendered to decedent and related charges, and defendants failed to present any evidence that "genuinely conflict[ed]" with the evidence presented by plaintiff. In addition, the trial court determined that Cocuzza's position as a manager for patient accounts was enough to satisfy the standard set forth in Hahnemann.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Lastly, the trial court found the case law "clearly allows for a person to be responsible for necessary medical charges for treatments to their spouse." The trial court rejected defendants' argument that the charges imposed by plaintiff were unreasonable. A memorializing order was entered. This appeal followed.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">On appeal, defendants contend the trial court erred in granting plaintiff's motion for summary judgment because plaintiff presented no evidence as to the necessity of the medical treatment rendered to decedent or the reasonableness of the costs of the medical expenses, which defendants claim is plaintiff's burden.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">II.<br />We review a ruling on a summary judgment motion de novo. Branch v.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Cream-O-Land Dairy, 244 N.J. 567, 582 (2021); see also Templo Fuente De Vida Corp., 224 N.J. at 199. Summary judgment is appropriate "if the pleadings, depositions, answers to interrogatories and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact challenged and that the moving party is entitled to a judgment or order as a matter of law." R. 4:46-2(c); Brill v. Guardian Life Ins. Co. of Am., 142 N.J. 520, 528-29 (1995). We "must accept as true all the evidence which supports the position of the party defending against the motion and must accord [them] the benefit of all legitimate inferences which can be deduced therefrom . . . ." Id. at 535 (quoting Lanzet v. Greenberg, 126 N.J. 168, 174 (1991)).</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">"When . . . a trial court is 'confronted with an evidence determination precedent to ruling on a summary judgment motion,' it 'squarely must address the evidence decision first.'" Townsend v. Pierre, 221 N.J. 36, 53 (2015) (quoting Est. of Hanges v. Metro. Prop. & Cas. Ins. Co., 202 N.J. 369, 384-85 (2010)). The Court in Hanges reiterated that determinations of evidentiary admissibility are reviewed "under the abuse of discretion standard . . . [as] the</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">8</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 8pt;">A-0797-22</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">decision to admit or exclude evidence is one firmly entrusted to the trial court's discretion." 202 N.J. at 383-84 (internal citation omitted).</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Generally, when reviewing the admission or exclusion of evidence, appellate courts afford "[c]onsiderable latitude" to a trial judge's determination, "examining the decision for abuse of discretion." State v. Kuropchak, 221 N.J. 368, 385 (2015) (alteration in original) (first quoting State v. Feaster, 156 N.J. 1, 82 (1998); then Hisenaj v. Kuehner, 194 N.J. 6, 12 (2008)); see also State v. Jenewicz, 193 N.J. 440, 456 (2008) (stating "the abuse-of-discretion standard" is applied "to a trial court's evidentiary rulings under [N.J.R.E.] 702"). "Under [this] standard, an appellate court should not substitute its own judgment for that of the trial court, unless 'the trial court's ruling "was so wide of the mark that a manifest denial of justice resulted."'" Kuropchak, 221 N.J. at 385-86 (quoting State v. Marrero, 148 N.J. 469, 484 (1997)). "[Our] review of the trial [judge's] decision proceeds in the same sequence, with the evidentiary issue resolved first, followed by the summary judgment determination of the trial [judge]." Townsend, 221 N.J. at 53.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">The trial court framed the key issue in this case as whether plaintiff established the reasonableness of its charges. To address this question, the trial court properly began its analysis by addressing Cocuzza's certification</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">9</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 8pt;">A-0797-22</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">establishing her knowledge of plaintiff's record keeping system and the manner in which the charges were determined. The trial court considered Cocuzza's explanation as to the payments made by decedent's healthcare provider and the application of deductible amounts resulting in the balance owed to plaintiff.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Plaintiff's records constitute hearsay.</span><span style="font-size: 9pt; position: relative; top: -5pt;">3 </span><span style="font-size: 14pt;">N.J.R.E. 805 provides that "hearsay within hearsay"—such as the content of a business record—"is not excluded by the rule against hearsay if each part of the combined statements conforms with an exception to the rule." Therefore, the health insurance carrier's determination and information contained therein were hearsay and must be independently admissible to be considered by the trial court in ruling on a summary judgment motion.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Under N.J.R.E. 803(c)(6), "Records of a Regularly Conducted Activity," a hearsay statement is admissible where the statement is</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">contained in a writing or other record of acts, events, conditions, and, subject to [N.J.R.E.] 808, opinions or diagnoses, made at or near the time of observation by a person with actual knowledge or from information supplied by such a person, if the writing or other record was made in the regular course of business and it was</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 9pt; position: relative; top: -5pt;">3 </span><span style="font-size: 14pt;">N.J.R.E. 801(c) defines hearsay as "a statement that: (1) the declarant does not make while testifying at the current trial or hearing; and (2) a party offers in evidence to prove the truth of the matter asserted in the statement." Hearsay is generally admissible "except as provided by [the Rules of Evidence] or by other law." N.J.R.E. 802.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">the regular practice of that business to make such writing or other record.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">This exception does not apply if the sources of information or the method, purpose or circumstances of preparation indicate that it is not trustworthy.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">We have noted "[t]he purpose of the business records exception is . . . 'broaden[ing] the area of admissibility of relevant evidence where there is necessity and sufficient guarantee of trustworthiness.'" Liptak v. Rite Aid, Inc., 289 N.J. Super. 199, 219 (App. Div. 1996) (quoting State v. Hudes, 128 N.J. Super. 589, 599 (Law Div. 1974)). When assessing the business records exception in a civil litigation context, this court has characterized Rule. 803(c)(6) as permitting the admission of a business record as long as (1) the writing is made in the regular course of business, and (2) it was the regular practice of that business to make it. Hahnemann Univ. Hosp., 292 N.J. Super. at 17; see also Biunno, Weissbard & Zegas, Current N.J. Rules of Evidence, cmt. 1 on N.J.R.E. 803(c)(6) (2023-24).</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Alternatively, a custodian of records or other qualified witness can testify that the proffered records meet the required N.J.R.E. 803(c)(6) criteria. See Konop v. Rosen, 425 N.J. Super. 391, 402-04 (App. Div. 2012); and Hahnemann Univ. Hosp., 292 N.J. Super. 17-18 (noting that a witness must be qualified</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">11</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 8pt;">A-0797-22</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">before laying the necessary foundation for computer records to be admitted into evidence at trial.) For example, we have determined</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">[a] witness is competent to lay the foundation for systematically prepared computer records if the witness (1) can demonstrate that the computer record is what the proponent claims and (2) is sufficiently familiar with the record system used and (3) can establish that it was the regular practice of that business to make the record. If a party offers a computer printout into evidence after satisfying the foregoing requirements, the record is admissible "unless the sources of information or the method, purpose or circumstances of preparation indicate that it is not trustworthy."</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">[Id. at 18 (citation omitted) (quoting N.J.R.E. 803(c)(6)).]</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">See also Carmona v. Resorts Int'l Hotel, Inc., 189 N.J. 354, 380 (2007) ("All that is needed to lay the foundation for the admission of systematically prepared . . . records otherwise qualified as business records is if 'the witness (1) can demonstrate that the . . . record is what the proponent claims and (2) is sufficiently familiar with the record system used and (3) can establish that it was the regular practice of that business to make the record.'" (quoting Hahnemann, 292 N.J. Super. at 18)). Finally, an affidavit may be sufficient to lay a proper foundation for the records under certain circumstances. Biunno, Weissbard & Zegas, Current N.J. Rules of Evidence, 1991 Supreme Court Committee Comment on N.J.R.E. 803(c)(6)(2023-24). Thus, defendants' reliance on</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 8pt;">A-0797-22</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Hackensack Hospital and Sallo, which were decided over forty years ago, is unpersuasive. We are guided by our Court's decision in Carmona and our decision in Hahnemann, which articulate the current state of the law.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Here, the trial court properly determined that Cocuzza, a manager for patient accounts, was qualified to certify as to the authenticity and admissibility of the computer-generated documents annexed to her certification. The trial court did not abuse its discretion under N.J.R.E. 803(c)(6). Cocuzza was required to maintain such documents in the regular course of business, and the documentsthemselvesfallunderthebusinessrecordshearsayexception. There is no basis to conclude the computer-generated documents were untrustworthy. Defendants did not produce any evidence to challenge the reliability of the documents. Thus, the trial court properly considered the documents proffered by Cocuzza.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">We also reject defendant's argument that plaintiff has the burden of proving the charges are usual, customary, and reasonable. In Hahnemann, we addressed medical fee schedule rules, including PIP medical expenses and equipment. Id. at 19. But, we did not limit our analysis of the usual, customary, and reasonable standard to PIP cases only and defendants' argument on that issue is misguided. Instead, we held in Hahnemann that "[c]learly, 'usual, reasonable,</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">and customary' is a phrase which has not been defined by statute or code; rather, it is to be defined by healthcare providers and health agencies." Id. Moreover, we noted in Hahnemann that "[o]ne would presume that an amount charged would be reasonable if it is within a range customarily charged for such services within the community and the amount charged by such physician to other patients of his [or her] receiving similar treatment." Id., citing Thermographic Diagnostics, Inc. v. Allstate Ins. Co., 219 N.J. Super. 208, 229 (Law Div. 1987).</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Based upon our de novo review, we conclude the trial court did not misapply its discretion in considering Cocuzza's certification and the documents submitted therewith under Hahnemann and N.J.R.E. 803(c)(6). Having employed the same standard as the trial court, Brill, 142 N.J. at 539-40, we conclude there are no material factual disputes precluding the grant of summary judgment.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Finally, we note the doctrine of necessaries applies here as the trial court indicated. The doctrine of necessaries is a common law rule imposing liability on both spouses for the debt of one spouse, provided that the debt was incurred for "necessaries" for the family, and the debtor spouse is unable to pay the debt. Jersey Shore Med. Ctr., 84 N.J. at 141. A necessary is a good or service provided to one spouse that benefits both. Id. at 141. The duty to support under common</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 8pt;">A-0797-22</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">law imposed liability on the husband only for necessaries furnished to the wife because the expenses incurred by the wife presume a failure on the part of the husband to provide necessaries for her but not vice versa. Id. at 142. The impact of Jersey Shore Medical Center is that our Court held the doctrine would be applied to both spouses prospectively. Id. at 148-49. It provides:</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">[B]oth spouses are liable for necessary expenses incurred by either spouse in the course of the marriage. . . . [T]he financial resources of both spouses should be available to pay a creditor who provides necessary goods and services to either spouse. . . . [A] judgment creditor must first seek satisfaction from the income and other property of the spouse who incurred the debt. If those financial resources are insufficient, the creditor may then seek satisfaction from the income and property of the other spouse.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">[Id. at 141.]<br />Therefore, defendants' reliance on this case lacks merit.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Applying these criteria here, the trial court properly granted summary judgment against both the estate and Susan. Underlying the doctrine of necessaries is that one spouse has the implied authority to pledge the other spouse's credit for certain services. Sillery v. Fagan, 120 N.J. Super. 416, 423 (Cty. Ct. 1972). A purpose of the doctrine, therefore, is to provide assurances to the service provider. As the Court explained in Jersey Shore Medical Center, a creditor who provides "necessaries to one spouse can assume that the financial</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 8pt;">A-0797-22</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">resources of both spouses are available for payment." Id. at 151. We conclude, therefore, that the doctrine of necessaries is applicable, and plaintiff can seek recourse from Susan as the non-debtor surviving spouse if the estate is, as represented here, essentially insolvent.</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Defendants' remaining arguments to the extent we have not addressed them are without sufficient merit to warrant additional discussion. R. 2:11- 3(e)(1)(E).</span><span style="font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 14pt;">Affirmed.</span><span style="font-size: 12pt;"><o:p></o:p></span></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-70777286896643986952023-10-15T10:25:00.002-04:002023-10-15T10:25:27.364-04:00Burial/ cremation of adult children after divorce explained Freedman v Freedman<p> <span style="caret-color: rgb(68, 68, 68); color: #444444; font-family: Poppins, sans-serif; font-size: 14.4px;">In this appeal from proceeding filed in the Family Part involving the cremation remains and personal effects of the parties' son, who died unexpectedly and suddenly at age twenty, the mother unilaterally decided to have the body cremated without informing the father that their son had died, preventing him from participating in that decision and attending the memorial service. The mother has sole possession of the cremation remains and the son's remaining personal effects and refuses to divide them with the father. </span></p><p style="box-sizing: border-box; caret-color: rgb(68, 68, 68); color: #444444; font-family: Poppins, sans-serif; font-size: 14.4px; margin-bottom: 1rem; margin-top: 0px;">The court concluded the father had ample opportunity to litigate Colleen's alleged alienation of their son's affection and interference with his parenting time and communication with his late son in the Family Part during the years leading up to his son's eighteenth birthday. He chose not to do so, and instead waited until the dispute over the cremation remains and personal effects erupted more than two years after their son turned eighteen to first raise those issues. The court deemed those issues waived and, in turn, concluded that a plenary hearing regarding the parties conduct during the last five years of their son's life is not required as the evidence overwhelming demonstrated the mother had a closer relationship with their son. Applying a four-prong test, the court held the mother shall have control over the cremation remains. </p><p style="box-sizing: border-box; caret-color: rgb(68, 68, 68); color: #444444; font-family: Poppins, sans-serif; font-size: 14.4px; margin-bottom: 1rem; margin-top: 0px;">The court affirmed the termination of child support, retroactive to the date of death. </p><p style="box-sizing: border-box; caret-color: rgb(68, 68, 68); color: #444444; font-family: Poppins, sans-serif; font-size: 14.4px; margin-bottom: 1rem; margin-top: 0px;">The court also provides guidance on the proper procedure to be utilized in future similar disputes, by filing a complaint in the Probate Part, rather than applications in the Family Part. </p><h5 class="modal-title" id="summary-modal" style="box-sizing: border-box; caret-color: rgb(68, 68, 68); color: #444444; font-family: Roboto, sans-serif !important; font-size: 1.25rem; font-weight: 400; line-height: 1.5; margin-bottom: 0px; margin-top: 0px;">A-3425-20</h5><div><div class="page" title="Page 1"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">RICHARD FREEDMAN, II,</span></p><p><span style="font-family: Times; font-size: 14pt;">Plaintiff-Appellant/ Cross-Respondent,</span></p><p><span style="font-family: Times; font-size: 14pt;">v.<br />COLLEEN FREEDMAN,</span></p><p><span style="font-family: Times; font-size: 14pt;">Defendant-Respondent/</span></p><p><span style="font-family: Times; font-size: 14pt;">SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">DOCKET NO. A-3425-20</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Argued December 13, 2022 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">– </span><span style="font-family: Times; font-size: 14pt;">Decided January 5, 2023</span></p><p><span style="font-family: Times; font-size: 14pt;">Before Judges Sumners, Geiger and Fisher.</span></p><p><span style="font-family: Times; font-size: 14pt;">On appeal from the Superior Court of New Jersey, Chancery Division, Family Part, Camden County, Docket No. FM-04-0314-09.</span></p><p><span style="font-family: Times; font-size: 14pt;">The opinion of the court was delivered by GEIGER, J.A.D.</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 10pt; font-weight: 700;">APPROVED FOR PUBLICATION December 5, 2023 APPELLA TE DIVISION</span></p></div></div></div><div class="page" title="Page 2"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">This sad case involves the disposition of the cremation remains and personal effects of the parties' son, who died unexpectedly and suddenly at age twenty, while attending college in Colorado. The mother unilaterally decided to have the body cremated without informing the father that their son had died, preventing him from participating in that decision and attending the memorial service. The mother has sole possession of the cremation remains and the son's remaining personal effects and refuses to divide them with the father. The parties filed contested proceedings in the Family Part to resolve the dispute and to terminate child support and medical insurance coverage. Following limited oral argument, the court decided those applications without conducting a plenary hearing.</span></p><p><span style="font-family: Times; font-size: 14pt;">Plaintiff Richard Freedman appeals from two Family Part orders entered on consecutive days regarding the disposition of his adult son's cremation remains and personal property. Among other things, the first order scheduled the case for a plenary hearing. The second order held those decisions should be controlled by their son's mother, defendant Colleen Freedman, now known</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">2</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 3"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">as Colleen Thrower, because she had the closer relationship with their son. Colleen</span><span style="font-family: Times; font-size: 9pt; vertical-align: 5pt;">1 </span><span style="font-family: Times; font-size: 14pt;">cross-appeals from certain aspects of the first order.</span></p><p><span style="font-family: Times; font-size: 14pt;">Richard had ample opportunity to litigate Colleen's alleged alienation of their son's affection and interference with his parenting time and communication with his late son in the Family Part during the years leading up to his son's eighteenth birthday. He chose not to do so, and instead waited until the dispute over the cremation remains and personal effects erupted more than two years after their son turned eighteen to first raise those issues. We deem those issues waived and, in turn, conclude that a plenary hearing regarding the parties conduct during the last five years of their son's life is not required as the evidence overwhelming demonstrated that Colleen had a closer relationship with their son. We therefore hold that Colleen shall have control over the cremation remains and affirm in part and reverse and remand in part. We also provide guidance on the proper procedure to be utilized in future similar disputes.</span></p><p><span style="font-family: Times; font-size: 14pt;">The parties married in December 2001, about six months after the birth of their only child, Richard James Hendrix Freedman (Hendrix). After they separated, custody and parenting time changed over time. When Hendrix was</span></p><p><span style="font-family: Times; font-size: 9pt; vertical-align: 5pt;">1 </span><span style="font-family: Times; font-size: 14pt;">The parties and their son share the same surname. We refer to them by their first names and middle name, respectively. We mean no disrespect.</span></p></div></div><img alt="page3image957256272" height="0.720313" src="blob:https://www.blogger.com/b1eef0e9-98cf-4809-bd0c-3f8b65df6152" width="144.020000" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">3</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 4"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">six, the parties agreed to joint legal custody, with Hendrix spending four overnights per week with Richard and three overnights per week with Colleen. The marriage was terminated by a divorce granted by a Pennsylvania court in January 2007. A property settlement agreement was incorporated into the divorce decree and the custody agreement later filed with the court in March 2007. Thereafter, both parties moved to Haddonfield.</span></p><p><span style="font-family: Times; font-size: 14pt;">In August 2010, Colleen filed an emergent application for full custody of Hendrix, which the court denied "without passing on the merits." A few months later, she filed a motion to modify custody and other relief. The court issued an October 22, 2010 order that: (1) designated Colleen parent of primary residence (PPR) and Richard parent of alternative residence (PAR); (2) granted Richard's request for court-ordered reunification therapy for Hendrix, the parties, and Richard's wife; (3) directed the therapist to determine the parenting time schedule, except the parties were to follow the court's holiday visitation schedule; (4) ordered Hendrix to undergo an evaluation; (5) required Richard to provide medical insurance coverage for Hendrix. Colleen withdrew her request for child support pending a new parenting time schedule.</span></p><p><span style="font-family: Times; font-size: 14pt;">Five years later, the parties disputed whether Colleen cooperated with the reunification therapy. Colleen filed a motion for child support and other relief. A July 2, 2015 order required Richard to pay child support, awarded</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">4</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 5"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Colleen counsel fees, and directed Hendrix to participate in reunification therapy.</span></p><p><span style="font-family: Times; font-size: 14pt;">A May 24, 2019 order terminated Richard's child support and medical insurance coverage obligations effective May 25, 2019, Hendrix's nineteenth birthday. In September 2019, Colleen filed a motion to reinstate child support, which was resolved by a consent order that reinstated child support, required Richard to cover Hendrix under his medical insurance policy, and required Colleen to provide Richard with proof of Hendrix's enrollment and credits for so long as Hendrix remained a full-time college student.</span></p><p><span style="font-family: Times; font-size: 14pt;">After initially attending Camden County College, Hendrix transferred to Colorado Mountain College for the Spring 2021 semester. On February 10, 2021, Hendrix was found dead. The death certificate stated the manner of death was accidental. It inaccurately listed the name of Hendrix's father and the maiden name of Hendrix's mother.</span></p><p><span style="font-family: Times; font-size: 14pt;">Colleen did not advise Richard of Hendrix's death. Richard first learned of Hendrix's death from a third party on February 17, 2021. As a result, Richard was unable to participate in the memorial service held for Hendrix in Pennsylvania or the decision to cremate Hendrix's remains. Instead, Colleen unilaterally made those decisions. Through counsel, Richard requested one- half of the cremation ashes, copies of all photographs of Hendrix, and one-half</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">5</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 6"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">of Hendrix's personal belongings, to keep in Hendrix's memory. Colleen refused.</span></p><p><span style="font-family: Times; font-size: 14pt;">On March 31, 2021, the court granted an order to show cause (OTSC) with temporary restraints that restrained Colleen or anyone acting on her behalf from discarding or destroying Hendrix's ashes, personal property, photographs, and cell phone data.</span></p><p><span style="font-family: Times; font-size: 14pt;">The parties filed cross-motions that were heard the following month. Richard sought an order compelling Colleen to provide him with a copy of Hendrix's birth and death certificates and to cooperate in correcting the death certificate. He also requested that one-half of the cremation ashes be transferred to the crematory to confirm they were Hendrix's ashes and a sanction if Colleen discarded the ashes. Richard also requested access to photographs of Hendrix so they could be copied and one-half of Hendrix's belongings. He further sought an order granting him subpoena power to obtain Hendrix's college records and information from the crematory and funeral home. Finally, Richard sought to terminate child support as of the date of death, reimbursement of any child support overpayment, information concerning Hendrix's healthcare bills, and an award of counsel fees.</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">6</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 7"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">In her cross-motion, Colleen sought to dissolve all restraints, sole control over Hendrix's remains, cell phone, photographs, and personal property, and an award of counsel fees.</span></p><p><span style="font-family: Times; font-size: 14pt;">The court issued an oral decision on April 30, 2021. Before an order reflecting the court's decision was entered, Colleen moved for reconsideration, or in the alternative, for summary judgment.</span></p><p><span style="font-family: Times; font-size: 14pt;">The court's oral decision was embodied in a June 21, 2021 order that: (1) determined Richard's request for a copy of Hendrix's birth certificate and original death certificate was moot; (2) directed Colleen to cooperate in correcting Hendrix's death certificate to properly list Richard as his father and Colleen as his mother; (3) reserved the issue of transfer of one-half of the cremation ashes to the crematory "until trial"; (4) denied sanctions without prejudice; (5) directed Colleen to provide Hendrix's photographs to Richard, to be copied by him and returned within fourteen days; (6) denied Richard's request to receive one-half of Hendrix's personal belongings without prejudice; (7) granted the requested subpoena power to Richard; (8) restrained Colleen from tampering with Hendrix's cell phone; (9) directed the parties to "cooperate to make the cell phone [ready] for data extraction"; (10) directed Colleen to provide Richard with information and documentation relating to Hendrix's healthcare from January 1, 2020 through the date of death; (11) held</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">7</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 8"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Colleen solely responsible for any outstanding uncovered medical expenses incurred for Hendrix; (12) terminated child support effective February 10, 2021, and directed reimbursement of any overpayment; (13) denied termination of the restraints; (14) denied Colleen's request to grant her sole control over Hendrix's remains, cell phone, photographs, and other property; and (15) denied without prejudice Colleen's request for counsel fees.</span></p><p><span style="font-family: Times; font-size: 14pt;">The next day, the court unexpectedly issued an amended order that substantially modified the terms of the June 21, 2021 order without further notice or hearing. The amended order stated the court had "reconsidered its decision." The amended order provided: (1) Colleen "shall retain possession of Hendrix's ashes based on her representation that she plans to distribute them in various locations that she knows her son either visited or wanted to visit"; (2) Colleen shall "distribute the ashes and advise [Richard] . . . of each location by latitude and longitude, so that he may create a memorial for himself"; (3) Richard was "free to visit any/all of the locations at his leisure"; (4) the issue of Hendrix's belongings was moot based on Colleen's representation that none of his belongings are still available; (5) permitted Richard to review copies of the requested police reports in the presence of his attorney, after which the copies were to be destroyed; (6) each party was</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">8</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 9"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">responsible for their own counsel fees; and (7) the reconsideration/summary judgment motions returnable July 9, 2021 were "rendered moot."</span></p><p><span style="font-family: Times; font-size: 14pt;">The trial court stayed the June 21, and June 22, 2021 orders pending appeal. We denied Richard's application to file an emergent motion.</span></p><p><span style="font-family: Times; font-size: 14pt;">Colleen's Version of the Disputed Material Facts</span></p><p><span style="font-family: Times; font-size: 14pt;">Hendrix was diagnosed at a young age with Asperger's syndrome and an anxiety disorder. Despite these conditions, Richard "bullied and lashed out at Hendrix," making him feel "inadequate, uncomfortable, unsafe and scared." Hendrix did not stay overnight at Richard's residence after the fourth grade.</span></p><p><span style="font-family: Times; font-size: 14pt;">On the last day of school in June 2010, Richard and Hendrix had an argument, during which Richard screamed at Hendrix that he was "completely out of control," "totally messed up," and that there was "something wrong" with him. Richard then told Colleen that she could keep Hendrix for the entire summer and, "if Hendrix doesn't have any problems when he's with you, then why don't you just deal with him." Richard had no parenting time that summer. In August 2010, Colleen filed an application to suspend Richard's parenting time and require him to participate in reunification therapy.</span></p><p><span style="font-family: Times; font-size: 14pt;">The therapist terminated the reunification therapy in November 2011, because Hendrix refused to meet with Richard and exhibited "a great deal of anxiety [and] resistance." The therapist noted Hendrix does well with his</span></p></div></div><img alt="page9image1315162912" height="0.719922" src="blob:https://www.blogger.com/4af3d4bf-c359-4094-8d6d-d36a4dc08d60" width="287.570000" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">9</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 10"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">mother and opined that the problems between Hendrix and Richard stemmed from "a poor match between [Hendrix's] needs [and Richard's] parenting style." The therapist suggested reunification therapy be tried again in one year. Richard did not return to reunification therapy.</span></p><p><span style="font-family: Times; font-size: 14pt;">Thereafter, neither Richard nor his family made any attempts to have a relationship with Hendrix. For the five years following the failed reunification therapy, Richard had no parenting time or relationship with Hendrix.</span></p><p><span style="font-family: Times; font-size: 14pt;">When Colleen sought child support from Richard in 2015, he requested a paternity test. The request distressed Hendrix, who viewed it as an act of rejection. The parties were once again ordered to attend reunification therapy, this time with a different therapist. Despite being ordered to arrange the therapy, Richard never contacted the therapist and did not provide necessary information to Colleen to schedule it.</span></p><p><span style="font-family: Times; font-size: 14pt;">For a brief period in 2016, Hendrix unsuccessfully tried to have a relationship with Richard. During the five years preceding his death, Hendrix did not see or hear from Richard and received no birthday or Christmas cards or gifts from him. Richard did not acknowledge Hendrix's graduation from high school, did not reach out to Hendrix about college, and did not know he transferred to Colorado Mountain College.</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Richard's Version of the Disputed Material Facts 10</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div><img alt="page10image1315390688" height="0.719922" src="blob:https://www.blogger.com/5f851822-1bf7-49d0-af3e-bf5093d855ac" width="288.410000" /></div><div class="page" title="Page 11"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Colleen seemed increasingly "unstable and deceitful" over time. She withheld Hendrix from Richard and told Hendrix lies about Richard.</span></p><p><span style="font-family: Times; font-size: 14pt;">In 2010, the parties verbally agreed that Colleen would keep Hendrix in her care for three weeks because he was exhibiting behavioral issues and needed a short break from the friends he was hanging out with.</span></p><p><span style="font-family: Times; font-size: 14pt;">Prior to 2010, Richard was Hendrix's primary caretaker and had an excellent father-son relationship with him. Beginning around June 2010, Colleen would not allow Richard to see or speak to Hendrix. Shortly thereafter, Colleen unsuccessfully applied for full custody. She did not permit Hendrix to participate in the court-ordered reunification therapy or to undergo a psychiatric evaluation. Richard blames Colleen's lack of cooperation for reunification therapy not being completed and the failure to establish a parenting time schedule.</span></p><p><span style="font-family: Times; font-size: 14pt;">When Richard stopped by Colleen's residence to talk to Hendrix, no one would answer the door or other conduct thwarted the attempted communication. When Richard attempted to speak to Hendrix at school, Colleen would pull Hendrix away and not let him speak to Richard. Colleen's conduct resulted in Richard not having any communication with Hendrix from 2010 to 2015. Richard backed off in the hope Hendrix would eventually realize what was happening. This led to Richard experiencing depression,</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">11</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 12"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">interrupted sleep, and nightmares. During this same period, Hendrix was suffering, struggling in school, and in danger of failing classes.</span></p><p><span style="font-family: Times; font-size: 14pt;">For most of 2016, Richard and his family enjoyed parenting time with Hendrix, which Hendrix enjoyed. Hendrix seemed happy and developed a relationship with his stepsiblings. He spent Christmas at Richard's house that year. Unfortunately, Hendrix experienced trouble with a student at school relating to Colleen's living arrangement. Hendrix was arrested when he faked a break-in to scare the student who was bothering him. Richard attempted to help in any way he could, including communicating directly with Hendrix. Colleen cut Richard out of Hendrix's life and continued to alienate Hendrix's affections.</span><span style="font-family: Times; font-size: 9pt; vertical-align: 5pt;">2</span></p><p><span style="font-family: Times; font-size: 14pt;">Richard did not know whether Hendrix was attending college. It was only after Colleen filed a motion to reinstitute child support that he learned Hendrix was enrolled at Camden County College. Colleen remained uncooperative and did not comply with the October 4, 2019 consent order.</span></p><p><span style="font-family: Times; font-size: 14pt;">When Richard learned that Hendrix had died in Colorado seven days</span></p><p><span style="font-family: Times; font-size: 14pt;">earlier, he did not know Hendrix was attending college there. The coroner</span></p><p><span style="font-family: Times; font-size: 14pt;">advised Richard that Hendrix appeared to have died from an accidental</span></p></div></div><img alt="page12image1315816144" height="0.719922" src="blob:https://www.blogger.com/0f912193-9583-4ffa-935b-65dc5b7ab13c" width="144.020000" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 9pt;">2<br /></span><span style="font-family: Times; font-size: 14pt;">regarding custody or parenting time or to enforce litigant's rights.</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Despite Colleen's alleged conduct, Richard filed no subsequent motions</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">12</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 13"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">overdose and that his body was transported to Pennsylvania to be cremated. When Richard located the funeral home, he was advised that a memorial service had already been held. The funeral home representative indicated he was told Richard's parental rights had been terminated. When Richard attempted to obtain a copy of the death certificate, he was advised by vital records that he was not listed as a parent.</span></p><p><span style="font-family: Times; font-size: 14pt;">On appeal, Richard argues:</span></p><p><span style="font-family: Times; font-size: 14pt;">I. A PLENARY HEARING SHOULD BE HELD WHERE THERE IS A GENUINE AND SUBSTANTIAL FACTUAL DISPUTE TO RESOLVE THAT FACTUAL DISPUTE AND THUS, A PLENARY HEARING SHOULD HA VE BEEN HELD AS INITIALL Y DETERMINED AND ORDERED ON APRIL 30, 2021 AND JUNE 21, 2021.</span></p><p><span style="font-family: Times; font-size: 14pt;">POINT II</span></p><p><span style="font-family: Times; font-size: 14pt;">II. AN ABUSE OR MISTAKE OF DISCRETION WAS EXERCISED BY THE TRIAL COURT BY DENYING [RICHARD'S] RIGHT TO A PLENARY HEARING AS A LEGAL CUSTODIAN TO DETERMINE THE APPROPRIATE DISTRIBUTION OF THE UNEMANCIPATED CHILD'S ASHES.</span></p><p><span style="font-family: Times; font-size: 14pt;">In her cross-appeal, Colleen argues:</span></p><p><span style="font-family: Times; font-size: 14pt;">I. THE NEW JERSEY CEMETERY ACT, N.J.S.A. 45:27-1 ET. SEQ., AND CASELAW DEVELOPED UNDER THA T ST A TUTE GOVERN WHICH P ARTY SHOULD HA VE CONTROL OVER THE DISPOSITION OF HENDRIX'S REMAINS.</span></p></div></div><img alt="page13image1316049808" height="0.719922" src="blob:https://www.blogger.com/6710c4dd-b9bd-4340-9feb-e617d2db6181" width="56.424200" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">13</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 14"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">II. PLENARY HEARINGS ARE REQUIRED ONLY IN CASES IN WHICH THERE ARE GENUINE ISSUES OF MATERIAL FACTS.</span></p><p><span style="font-family: Times; font-size: 14pt;">III. THE STANDARD OF REVIEW IN THIS CASE SHOULD BE DE NOVO, THE STANDARD THAT ALLOWS FOR THE LEAST AMOUNT OF DEFERENCE TO THE TRIAL COURT.</span></p><p><span style="font-family: Times; font-size: 14pt;">IV. IN THE EVENT THAT THIS MATTER IS REMANDED, IT SHOULD BE REMANDED TO A DIFFERENT TRIAL JUDGE IN LIGHT OF THE FACT THAT THE TRIAL COURT JUDGE GAVE GREAT WEIGHT TO INAPROPRIATE FACTORS AND BECAUSE OF A LEGITIMA TE CONCERN THAT THE TRIAL JUDGE WILL BE COMMITTED TO ITS INITIAL FINDINGS.</span></p><p><span style="font-family: Times; font-size: 14pt;">We initially note that the proceedings involved in this appeal should have been filed and heard in the Probate Part, not the Family Part. Excepting for the application to terminate child support and medical insurance coverage, the Family Part lacked jurisdiction to hear the applications filed after Hendrix's death.</span></p><p><span style="font-family: Times; font-size: 14pt;">The disposition of Hendrix's cremation remains is governed by the New Jersey Cemetery Act, 2003 (Cemetery Act), N.J.S.A. 45:27-1 to -41, and its interpretive case law. N.J.S.A. 45:27-22 "addresses who may control the funeral and disposition of a decedent's remains." Gately v. Hamilton Mem'l Home, Inc., 442 N.J. Super. 542, 554 (App. Div. 2015). It provides:</span></p><p><span style="font-family: Times; font-size: 14pt;">If [a] decedent has not appointed a person to control the funeral and disposition of the remains . . . the right</span></p></div></div><img alt="page14image1316266608" height="0.719922" src="blob:https://www.blogger.com/7900179b-37bd-4690-b4c0-8044dd3ece9d" width="159.860000" /> <img alt="page14image1316266912" height="0.720313" src="blob:https://www.blogger.com/fc2f6d39-134a-45b4-8f5e-76ebeda140cd" width="65.640200" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">14</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 15"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">to control the funeral and disposition of the human remains shall be in the following order of priority class, unless other directions have been given by a court of competent jurisdiction:</span></p><p><span style="font-family: Times; font-size: 14pt;">(1) The surviving spouse of the decedent or the surviving civil union or domestic partner.</span></p><p><span style="font-family: Times; font-size: 14pt;">(2) A majority of the surviving adult children of the decedent.</span></p><p><span style="font-family: Times; font-size: 14pt;">(3) The surviving parent or parents of the decedent.</span></p><p><span style="font-family: Times; font-size: 14pt;">(4) A majority of the brothers and sisters of the decedent.</span></p><p><span style="font-family: Times; font-size: 14pt;">(5) Other next of kin of the decedent according to the degree of consanguinity.</span></p><p><span style="font-family: Times; font-size: 14pt;">(6) If there are no known living relatives, a cemetery may rely on the written authorization of any other person acting on behalf of the decedent.</span></p><p><span style="font-family: Times; font-size: 14pt;">[N.J.S.A. 45:27-22(a).]<br />Therefore, if a "decedent has not left a will appointing a person to</span></p><p><span style="font-family: Times; font-size: 14pt;">control disposition and has no surviving spouse or adult children, the statute provides that the right to control the funeral and disposition of the remains passes to '[t]he surviving parent or parents of the decedent.'" Gately, 442 N.J. Super. at 554 (quoting N.J.S.A. 45:27-22(a)(3)).</span></p><p><span style="font-family: Times; font-size: 14pt;">In Gately, "we conclude[ed] that the more sensible reading of the phrase [the surviving parent or parents] is that where there are two surviving parents, a single parent alone does not have the unilateral right to control disposition."</span></p></div></div><img alt="page15image1316485456" height="0.720313" src="blob:https://www.blogger.com/903bedf8-15e7-43af-b3c0-48e3f9472c5d" width="39.143800" /> <img alt="page15image1316485760" height="0.720313" src="blob:https://www.blogger.com/398ea6b8-0755-4322-9c19-76ef2fabbb13" width="39.119900" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">15</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 16"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Id. at 556. Therefore, "if both parents are surviving, then the decision-making authority presumptively is to be jointly exercised." Id. at 557. "Had the Legislature intended to give either surviving parent the singular right to control disposition, it could have so stated . . . ." Ibid.</span></p><p><span style="font-family: Times; font-size: 14pt;">Here, Hendrix was unmarried, died without children, without a will, and without any written directive regarding his funeral or the disposition of his remains. In re Estate of Travers, 457 N.J. Super. 477 (Ch. Div. 2017), involved similar facts. There, the decedent died at age twenty-two, "was unmarried and </span><span style="background-color: #fafafa; color: #212121; font-family: Times; font-size: 14pt;">died without issue, without a will, and without any written directive regarding his funeral or disposition of remains." Id. at 481. The decedent's parents, who were divorced, "differ[ed] on how their son's remains should be disposed, and each [sought] control over the remains pursuant to </span><span style="background-color: #fafafa; font-family: Times; font-size: 14pt;">N.J.S.A. 45:27-22</span><span style="background-color: #fafafa; color: #212121; font-family: Times; font-size: 14pt;">." Ibid. The decedent's father wanted his son's remains buried, while the decedents' mother wanted her son's remains cremated. Ibid.</span></p><p><span style="font-family: Times; font-size: 14pt;">The court recognized that under these circumstances, N.J.S.A. 45:27-22 "confer[red] the right to control the funeral arrangements and disposition of the remains to the surviving parents of the deceased," Travers, 457 N.J. Super. at 482 (citing Gately, 442 N.J. Super. at 554), and "in the event of a dispute," the court has authority under the statute to resolve disputes between next-of- kin, id. at 482-83 (citing Marino v. Marino, 200 N.J. 315, 322 (2009)). The</span></p></div></div><img alt="page16image1316733968" height="0.719922" src="blob:https://www.blogger.com/32184a7a-071a-4d1b-ad7a-0ff6a2ae4d5a" width="148.340000" /> <img alt="page16image1316736096" height="0.719922" src="blob:https://www.blogger.com/530d0a0b-5c6c-4ed1-8d12-9c324ac11647" width="45.000000" /> <img alt="page16image1316736528" height="0.719922" src="blob:https://www.blogger.com/670a0ece-db9c-4233-9525-196f69725492" width="39.264100" /> <img alt="page16image1316736832" height="0.719922" src="blob:https://www.blogger.com/8c8900be-7d44-475d-b577-33751898740c" width="107.900000" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">16</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 17"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">court noted the Cemetery Act and New Jersey case law provided no guidance "on how to resolve a dispute that arises between" parents. Id. at 483; accord Gately, 442 N.J. Super. at 554.</span></p><p><span style="font-family: Times; font-size: 14pt;">In Travers, the court held that where a decedent dies intestate, the court "should carefully consider which next-of-kin of equal standing under the [s]tatute will likely control the funeral [and] disposition of remains in a manner that most closely reflects the wishes, desires and expectations of the decedent." 457 N.J. Super. at 484. "Additionally, relationships between the decedent and next-of-kin of equal standing may be highly relevant." Ibid. "Therefore, the court should consider the closeness of the relationships between next-of-kin of equal standing and the decedent to inform its decision on the appointment of control under the [s]tatute." Id. at 485. "[T]he religious and/or cultural background of the decedent should also be considered." Ibid. "[T]he court may consider, if known, which next-of-kin of equal standing will ultimately be designated as the administrator of the estate, as that person will be obligated to act in the best interests of the estate to protect the estate's assets and ensure payment for funeral [and] disposition expenses." Id. at 486 (citing N.J.S.A. 3B:10-23; Fitzgerald v. Linnus, 336 N.J. Super. 458, 468 (App. Div. 2001)). The court formulated a four-prong test incorporation those</span></p></div></div><img alt="page17image1316961040" height="0.719922" src="blob:https://www.blogger.com/7063af64-2596-417f-b654-5306594233e6" width="39.119900" /> <img alt="page17image1316961344" height="0.719922" src="blob:https://www.blogger.com/82cf2959-ba5f-421e-9efd-b38fd0966393" width="39.240200" /> <img alt="page17image1316961648" height="0.719922" src="blob:https://www.blogger.com/0edcc3a9-af14-4935-b016-56e1bb6fa0b1" width="44.880100" /> <img alt="page17image1316961952" height="0.719922" src="blob:https://www.blogger.com/974291d7-711d-4142-9c73-5021bf252f9a" width="126.380000" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">17</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 18"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">factors for determining who should control the funeral arrangements and disposition of remains. Id. at 486-87.</span></p><p><span style="font-family: Times; font-size: 14pt;">Applying that test, Colleen contends that because she had a closer relationship with Hendrix during the years leading up to his death, and the other factors are inapplicable, further analysis and a plenary hearing are unnecessary, and she should be granted sole control over the disposition of Hendrix's remains. We agree.</span></p><p><span style="font-family: Times; font-size: 14pt;">We adopt and apply a modified version of the test formulated in Travers. Where parents of a deceased child dispute the funeral arrangements or disposition of remains, the court shall consider the following factors in selecting the person in control under N.J.S.A. 45:27-22:</span></p><p><span style="font-family: Times; font-size: 14pt;">(1) Which parent is more likely to abide by the decedent's expressed preferences, if any;</span></p><p><span style="font-family: Times; font-size: 14pt;">(2) Which parent had a closer relationship with the decedent and is in a better position to deduce the decedent's preferences and expectations upon death;</span></p><p><span style="font-family: Times; font-size: 14pt;">(3) Which parent is more likely to adhere to the religious beliefs and cultural practices of the decedent, to the extent that such beliefs and practices pertain to funeral arrangements or the disposal of remains and reflect the decedent's preferences; and</span></p><p><span style="font-family: Times; font-size: 14pt;">(4) Which parent will likely be designated administrator of the estate and act in the best interests of the estate relating to the funeral arrangements and disposition of the decedent's remains.</span></p></div></div><img alt="page18image1326643568" height="0.719922" src="blob:https://www.blogger.com/1aced266-bfc8-432b-826f-6db4fd087a11" width="44.880100" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">18</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 19"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">The trial court must undertake a qualitative analysis of each factor, assign appropriate weight, and balance the factors.</span></p><p><span style="font-family: Times; font-size: 14pt;">Applying this modified test, we note that certain facts are undisputed. As to factor one, Hendrix left no will and did not express any preferences regarding funeral arrangements or disposition of his remains.</span></p><p><span style="font-family: Times; font-size: 14pt;">As to factor two, Hendrix lived exclusively with Colleen since at least 2015, until he left for college. Although the parties shared joint legal custody, Colleen was designated parent of primary residence. Despite the parties residing in the same municipality, Richard exercised no parenting time after 2016. By any measure, Colleen had the closer relationship with Hendrix at the time of his death and was in a better position to ascertain Hendrix's to deduce the decedent's preferences and expectations, even though the parties contested the reasons why that occurred.</span></p><p><span style="font-family: Times; font-size: 14pt;">As to factor three, there appears to be no evidence that Hendrix practiced any religion or that religious beliefs are a factor in the disposition of his remains. Nor do the parties express any personal religious beliefs as a factor to be considered.</span></p><p><span style="font-family: Times; font-size: 14pt;">As to factor four, Hendrix's assets appear to consist mainly of personal effects having minimal economic value. Because an estate has not been filed with the Surrogate's Office, an administrator has not been appointed.</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">19</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 20"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Factor two is clearly controlling in this case. Although the parties presented diametrically opposed versions of their conduct, Richard's evolving relationship with Hendrix, and the reasons for the erosion of his relationship with Hendrix, Richard had ample opportunity to seek relief in the Family Part from Colleen's alleged conduct when his parenting time and ability to communicate with Hendrix was curtailed or prevented from 2016 until Hendrix's eighteenth birthday. He chose not to do so.</span></p><p><span style="font-family: Times; font-size: 14pt;">While a plenary hearing is generally required when there are genuine issues of material fact about custody and parenting time, they must be litigated in the Family Part before the child reaches eighteen, not for the first time in applications filed more than two years after the child's death, when he was twenty years old. Although Richard was conversant with motion practice in the Family Part as reflected by the considerable post-divorce procedural history, in this instance he sat on his rights. We decline to remand this matter to the Family Part or to direct new filings in the Probate Part to litigate those stale issues, which we deem waived. Accordingly, a plenary hearing is not required.</span></p><p><span style="font-family: Times; font-size: 14pt;">Because the record clearly establishes that Colleen had the closer relationship during the years leading up to Hendrix's death and to discern his preferences, we hold that Colleen shall be granted control over Hendrix's</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">20</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 21"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">cremation remains. Any remaining issues regarding Hendrix's personal effects shall be pursued in the Probate Part.</span></p><p><span style="font-family: Times; font-size: 14pt;">We affirm the following aspects of the trial court's rulings: (1) the termination of child support and medical insurance obligation; (2) the subpoena power granted to Richard (which was properly brought in the Family Part); (3) the denial of sanctions; (4) the requirement that Colleen provide Richard with information and documentation relating to Hendrix's healthcare from January 1, 2020 through the date of death; (5) the requirement that Colleen advise Richard of each public location where the cremation remains are deposited so that he may create a memorial for himself; (6) that restrained Colleen from tampering with Hendrix's cell phone; (7) that directed the parties to "cooperate to make the cell phone [ready] for data extraction"; and (8) denied an award of counsel fees. Any other aspects of restraints entered against Collen are terminated. We reverse the aspects of the trial court's orders that are contrary to our rulings. On remand, the trial court shall enter an order reflecting our ruling.</span></p><p><span style="font-family: Times; font-size: 14pt;">Finally, because the judge expressed comments regarding credibility, see J.L. v. J.F., 317 N.J. Super. 418, 438 (App. Div. 1999), and may have a commitment to her prior findings, see P.T. v. M.S., 325 N.J. Super. 193, 220- 21 (App. Div. 1999), any subsequent proceedings regarding concerning</span></p></div></div><img alt="page21image1327322016" height="0.719922" src="blob:https://www.blogger.com/46e91eec-4c9b-4536-b7d4-654d8159022c" width="69.240200" /> <img alt="page21image1327322320" height="0.720313" src="blob:https://www.blogger.com/920dc4a3-a44d-4c16-b120-4a69e2b4c1f8" width="73.464100" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">21</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div><div class="page" title="Page 22"><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">Hendrix's cremation remains and estate shall be conducted by a different judge.</span></p><p><span style="font-family: Times; font-size: 14pt;">We provide the following guidance for future cases involving similar disputes in intestate estates. The proceedings contesting the funeral arrangements or disposition of remains should be brought by complaint in the Probate Part, rather than by application in the Family Part. The probate judge should consider appointing a pendente lite administrator who shall investigate the facts and attempt to resolve the issues. If a resolution is not reached, the probate court shall apply the test we have adopted and determine which parent or next of kin of equal standing shall control the funeral arrangements and disposition of remains, which should not involve protracted hearings relating to the history of the parties over multiple years leading up to the death. All unresolved aspects of the decedent's estate, including disposition of the decedent's assets and personal effects, should likewise be brought, and decided in the Probate Part.</span></p><p><span style="font-family: Times; font-size: 14pt;">Affirmed in part, reversed and remanded in part. We do not retain jurisdiction.</span></p></div></div><img alt="page22image1327527232" height="57.000000" src="blob:https://www.blogger.com/8e66574e-f850-4f6a-b9c4-4a73f8745c31" width="117.000000" /><div class="layoutArea"><div class="column"><p><span style="font-family: Times; font-size: 14pt;">22</span></p></div><div class="column"><p><span style="font-family: Times; font-size: 8pt;">A-3425-20</span></p></div></div></div></div>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-49523176824254519182023-10-06T16:24:00.001-04:002023-10-06T16:24:03.560-04:00 Administrator duties in estate<p> <span style="font-family: Geneva, sans-serif; font-size: 13.5pt; text-align: justify;">Administrator duties in estate</span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> It is our recommendation that Administrators undertake the following measures:<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> 1. Conduct a thorough search of the decedent's personal papers and effects for any evidence, which might point you in the direction of a potential creditor;<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> 2. Carefully examine the decedent's checkbook and check register for recurring payments, as these may indicate an existing debt; and assets<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> 3. Contact the issuer of each credit card that the decedent had in his/her possession at the time of his/ her death; and cancel card<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> 4. Contact all parties who provided medical care, treatment, or assistance to the decedent prior to his/her death; and pay undisputed bills after submitted to insurance company<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><u><span style="font-size: 13.5pt;">Other upcoming duties/ Administrator to Do</span></u><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">Notice of Probate to Beneficiaries (Attorney will handle)<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">If charity, notice to Atty General<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">File notice of Probate with Surrogate (Attorney will handle)<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">Apply to Federal Tax ID if there will be several beneficiaries- Either Administrator or Attorney can handle<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">Set up Estate Account at bank (pay all bills from estate account)<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">Type up list of all assets and all liabilities<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">Email list to beneficiaries if applicable<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">Pay Bills <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">List real estate for sale and have attorney prepare, Deed, Affidavit of title and other document<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">-If mortgage, contact mortgage company for payoff<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">Prepare Inheritance Tax Return and obtain Tax Waivers (Attorney will handle)<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">Sell applicable assets<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">File first Federal and State Income Tax Return [CPA- ex Marc Kane]<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">If house, select realtor to sell house “as is”<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">File NJ Tax waivers on real property with County Clerk (Attorney will handle)<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">Prepare Informal Accounting after assets sold<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">Prepare Release and Refunding Bond for all beneficiaries to sign (Attorney will handle)<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;">Obtain Child Support Judgment clearance (Attorney will handle if needed)<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;">File Release and Refunding Bond with Surrogate after all beneficiaries sign.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> Let's review the major duties involved, which we've set out below.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><b><span style="font-size: 13.5pt;"> </span></b><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><b><span style="font-size: 13.5pt;">In General.</span></b><span style="font-size: 13.5pt;"> The Administrator's job is to (1) administer the estate--i.e., collect and manage assets, file tax returns and pay taxes and debts--and (2) distribute any assets or make any distributions of bequests, whether personal or charitable in nature, as the deceased directed (under the provisions of the Will). Let's take a look at some of the specific steps involved and what these responsibilities can mean. Chronological order of the various duties may vary.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><b><span style="font-size: 13.5pt;"> Probate.</span></b><span style="font-size: 13.5pt;"> The Administrator must "probate" the Will. Probate is a process by which a Will is admitted. This means that the Will is given legal effect by the court. The court's decision that the Will was validly executed under state law gives the Administrator the power to perform his or her duties under the provisions of the Will.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <b>Tax ID number EIN </b>An employer identification number ("EIN") should be obtained for the estate; this number must be included on all returns and other tax documents having to do with the estate. The Administrator should also file a written notice with the IRS online that he/she is serving as the fiduciary of the estate. This gives the Administrator the authority to deal with the IRS on the estate's behalf.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <b>Set up an Estate Account with a Bank and Pay the Debts. </b>The claims of the estate's creditors must be paid. Sometimes a claim must be litigated to determine if it is valid. Any estate administration expenses, such as attorneys', accountants' and appraisers' fees, must also be paid.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><b><span style="font-size: 13.5pt;"> Manage the Estate.</span></b><span style="font-size: 13.5pt;"> The Administrator takes legal title to the assets in the probate estate. The probate court will sometimes require a public accounting of the estate assets. The assets of the estate must be found and may have to be collected. As part of the asset management function, the Administrator may have to liquidate or run a business or manage a securities portfolio. To sell marketable securities or real estate, the Administrator will have to obtain stock power, tax waivers, file affidavits, and so on. <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><b><span style="font-size: 13.5pt;"> Take Care of Tax Matters.</span></b><span style="font-size: 13.5pt;"> The Administrator is legally responsible for filing necessary income and estate-tax returns (federal and state) and for paying all death taxes (i.e., estate and inheritance). The Administrator can, in some cases be held personally liable for unpaid taxes of the estate. Tax returns that will need to be filed can include the estate's income tax return (both federal and state), and the deceased's final income tax return (federal and state). Taxes usually must be paid before other debts. In most instances, federal estate-tax returns are not needed as the size of the estate will be under the amount for which a federal estate-tax return is required.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <b>Prepare an informal Accounting</b><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><b><span style="font-size: 13.5pt;"> </span></b><span style="font-size: 13.5pt;">Most Administrators simply provide copies of bank statements and an excel sheet of expenses<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><b><span style="font-size: 13.5pt;"> Child Support Lien Search Request.</span></b><span style="font-size: 13.5pt;"> Prior to individuals receiving money Federal law requires a child support lien search so each beneficiary will need to provide their Social Security number prior to inheritance. Your attorney can handle this, upon request. If child support is owed, and not deducted from the person's inheritance, the Administrator can be personally liable. Each beneficiary must sign a "Release and Refunding Bond" to distribute the assets. Otherwise, formal Court approval is required to finalize the estate to distribute the assets. After all debts and expenses have been paid, the Administrator will distribute the assets. Frequently, beneficiaries can receive partial distributions of their inheritance without having to wait for the closing of the estate, provided they sign a Partial Release & Refunding Bond.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0.65in 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0.65in 0in 0in; text-align: justify;"> Questions to attorney are best via email to <a href="mailto:Vercammenlaw@njlaws.com"><span style="color: purple;">Vercammenlaw@njlaws.com</span></a>.<span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0.65in 0in 0in; text-align: justify;">If you need to speak to law office, call 732-572-0500 after 10am. Please do not call any other number or cell number. <span style="font-size: 13.5pt;">Please do not call Ken V house.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> Very truly yours,<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 44.7pt 0in 0in; text-align: justify;"><span style="font-size: 13.5pt;"> KENNETH VERCAMMEN<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in; text-indent: 0.5in;"><a name="OLE_LINK2"></a><a name="OLE_LINK1"></a><span style="font-family: "New York", serif; font-size: 15pt;">Below is a helpful checklist from one of our ABA American Bar Association books. Many of the ABA’s notes are not applicable to your case, but may help you in your own Estate Planning</span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in; text-indent: 0.5in;"><span style="font-family: "New York", serif; font-size: 15pt;"> </span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; line-height: 16pt; margin: 13pt 0in 6.5pt;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Records and items for Administrator to Locate<o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 10pt 31pt;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Record Type Location [If not applicable, write N/A</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 11pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Insurance Policies</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Automobile <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Life insurance </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Long-term care <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Medical <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Medicare card </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Medicare Part D <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Residential <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Umbrella <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other insurance <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other insurance <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other insurance <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Benefits and Accounts</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">401(k) agreements 401k <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">403(b) agreements </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Disability agreements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">IRA agreements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Keogh plan agreements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Military separation papers <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Pension agreements </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">SEP agreements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Social Security card </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Social Security statement <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Workers’ compensation <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Banking and Savings</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">CD account statements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Checking account statements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Credit union account statements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Savings account statements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Savings bonds </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Investments</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Brokerage account statements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Savings bonds </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Real Estate</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Deeds <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Home improvement records <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Land contracts <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Leases <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Mortgages <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Reverse mortgage <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Tax records <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Time-share agreements <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Other Assets and Debts</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Business records <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Collectibles <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Computers <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Credit card contracts <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Jewelry appraisals <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Jewelry inventory <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Patents and trademarks <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Vehicles <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Vehicle certificates of title <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Warranties <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Websites </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Estate Planning</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Trust agreement <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Will and codicils <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Personal History</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Animal care information <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Annulment decrees or judgments <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Appointment book or calendar </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Birth certificates <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Change of name certificates <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Child care information <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Civic awards <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Divorce decrees or judgments </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Dramatic awards <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Driver’s license <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Educational awards </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Educational certificates <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Employment awards </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Keys to residence <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Keys to post office box <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Keys to safe deposit box </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Keys to vehicles <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Keys to other real estate </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Lock combinations <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Membership certificates <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Military awards </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Military separation papers <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Naturalization papers <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other awards <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Passport </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Passwords <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Photo albums <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Photos <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Property care information <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Security system information <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Tax returns and records <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Time-share records </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Family History</span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Adoption papers <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Birth certificates <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Family tree <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Marriage certificates <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Newspaper articles <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Photo albums <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Portraits <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Other <u> </u></span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 13pt 0in 6.5pt; text-align: justify;"><a name="Editing"></a><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Source </span><span style="color: #262626; font-family: Times; font-size: 14pt;">ABA/AARP Checklist for Family Survivors</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 0in 4.5pt; text-align: justify;"><span style="font-size: 14pt;">Also find all stock certificates. If securities are held in an account by a broker, please furnish most recent statement and name and address of firm where held.</span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 0in 4.5pt; text-align: justify;"><span style="font-size: 14pt;">_____ Copies of all mutual funds’ statements.</span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 0in 4.5pt; text-align: justify;"><span style="font-size: 14pt;"> </span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 0in 4.5pt; text-align: justify;"><span style="font-size: 14pt;">_____ Any partnership, employment, buy-sell, stock purchase or option, franchise, and other agreements signed by decedent.</span><span style="font-family: "Times New Roman", serif; font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 0in 4.5pt; text-align: justify;"><span style="font-size: 14pt;"> </span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 0in 4.5pt;"><span style="font-size: 14pt;">Copies of all annuity contracts.</span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; line-height: 16pt; margin: 13pt 0in 6.5pt;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 14pt;">Assigned Tasks by Administrator in preparing for funeral and post funeral [If write N/A<o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 12pt;"><br clear="all" /></span><span style="color: windowtext; font-family: "Times New Roman", serif; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 13.5pt;"> <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 15pt;"> Post funeral to do</span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 15pt;">Probate Will with assistance of attorney __</span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; color: black; margin-left: 0.4pt;"><tbody><tr style="height: 3pt;"><td style="border: 1pt solid black; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: solid solid solid none; border-top-color: black; border-top-width: 1pt; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: solid solid solid none; border-top-color: black; border-top-width: 1pt; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Notify financial advisors</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> Notify accountant and life insurance agents</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Take care of direct deposits</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Take care of automatic payments</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Locate passwords</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Inventory safe deposit box</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Locate all pension documents</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Locate retirement plans and accounts</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Secure/insure the house and car</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Contact life insurance companies</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Notify mortgage company</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">List all credit card accounts</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Get copy of credit report</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Notify credit bureaus</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Freeze social media accounts</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Take care of personal possessions</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 4pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Cancel driver’s license</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 12pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Notify landlord/ tenants</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 12pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 12pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Clean the house or apartment</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 12pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr><tr style="height: 3pt;"><td style="border-bottom-color: black; border-bottom-width: 1pt; border-left-color: black; border-left-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid; height: 3pt; padding: 6pt 12pt 6pt 0in; width: 202.8pt;" valign="top" width="270"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt 12pt;"><span style="font-family: ZapfDingbatsITC; font-size: 14pt;">q </span><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 6pt 6pt 0in; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td><td style="border-bottom-color: black; border-bottom-width: 1pt; border-right-color: black; border-right-width: 1pt; border-style: none solid solid none; height: 3pt; padding: 6pt 0in 6pt 6pt; width: 97pt;" valign="top" width="129"><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 0in 6.5pt; text-align: justify;"><u><span style="font-family: TimesLTStd-Roman; font-size: 14pt;"> </span></u><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p></td></tr></tbody></table><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 13pt 0in 6.5pt; text-align: justify;"><span style="font-family: TimesLTStd-Roman; font-size: 14pt;">Source </span><span style="color: #262626; font-family: Times; font-size: 14pt;">ABA/AARP Checklist for Family Survivors</span><span style="font-family: TimesLTStd-Roman; font-size: 11pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in 39.3pt 0in 0in; text-align: justify;"><span style="font-size: 10pt;"> </span><span style="font-size: 13.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; line-height: 13.8pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 10pt;"> </span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; line-height: 13.8pt; margin: 6.5pt 0in;"><b><span style="font-family: OptimaLTStd-Bold; font-size: 10pt;"> </span></b><b><span style="font-family: OptimaLTStd-Bold; font-size: 13.5pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-family: Helvetica; font-size: 9pt;"><br />KENNETH VERCAMMEN & ASSOCIATES, PC ATTORNEY AT LAW <br />2053 Woodbridge Ave.,Edison, NJ 08817<br />(Phone) 732-572-0500<br />(Fax) 732-572-0030 <br />www.njlaws .com<br /></span><span style="font-family: Helvetica; font-size: 10.5pt;"><br /></span><span style="font-size: 10.5pt;"><img alt="A picture containing text
Description automatically generated" border="0" height="127" src="blob:https://www.blogger.com/062d80c1-27de-4545-a7ae-c7cdbe9c9f49" v:shapes="Picture_x0020_1" width="139" /><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 10.5pt;"><br /><br /><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 10.5pt;">On Feb 28, 2023, at 11:25 AM, VercammenLaw <VercammenLaw@NJlaws.com> wrote:<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="font-size: 10.5pt;"> </span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><b><span style="font-size: 14pt;">PROBATE</span></b><span style="font-size: 10.5pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><span style="color: windowtext; font-family: "Times New Roman", serif; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 13pt; margin: 0in;"><o:p> </o:p></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-66871030023066941022023-09-27T09:51:00.003-04:002023-09-27T09:51:31.545-04:00Judgment for child support lien against net proceeds of probate or settlement; priority<p> </p><h1 style="background-color: white; font-family: "Times New Roman", serif; font-size: 24pt; margin: 12pt 0in 9pt; text-align: justify;"><a name="OLE_LINK1"><span style="color: #1a1a1a; font-family: Geneva, sans-serif; font-size: 13pt;"> Judgment for child support lien against net proceeds of probate or settlement; priority<o:p></o:p></span></a></h1><p style="font-family: "Times New Roman", serif; font-size: 10pt; margin-left: 0in; margin-right: 0in; text-align: justify;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> The statute specifically states that the lien shall stay the distribution of net proceeds to a prevailing party or beneficiary until the child support judgment is satisfied.<span class="apple-converted-space"> </span><o:p></o:p></span></p><p style="font-family: "Times New Roman", serif; font-size: 10pt; margin-left: 0in; margin-right: 0in; text-align: justify;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> How does this impact an estate? If a beneficiary of an estate in NJ is an individual of legal age, and the net proceeds to that individual beneficiary exceeds $2,000, a child support judgment search must be ordered from a search company capable of certifying the results of that search. <o:p></o:p></span></p><p style="font-family: "Times New Roman", serif; font-size: 10pt; margin-left: 0in; margin-right: 0in; text-align: justify;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;"> No proceeds of the estate may be distributed to that individual beneficiary until and unless the judgment search shows that the beneficiary is not a child support judgment debtor or if he/she is a child support judgment debtor, until the judgment is paid off and a warrant of satisfaction is in possession of the estate.<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 10pt; margin: 0in; text-align: justify;"><b><i><span style="font-size: 13pt;">Compliance with Child Support Lien Law </span></i></b><span style="font-size: 13pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 10pt; margin: 0in; text-align: justify;"><i><span style="font-size: 13pt;">N.J.S.A. </span></i><span style="font-size: 13pt;">2A:17-56.23b requires Executors to undertake a search, using a private firm, to determine if the party receiving money as a result of a settlement or judgment, or in a number of other situations, is a child support debtor. If so, the amount of child support owed is a lien against the net proceeds. The statute provides as follows: <o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 10pt; margin: 0in; text-align: justify;"><span style="font-family: Symbol; font-size: 13pt;">·</span><span style="font-size: 13pt;"> Before distributing any net proceeds of a settlement, judgment, inheritance or award to the prevailing party or beneficiary: <o:p></o:p></span></p><p class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: inter-ideograph;"><!--[if !supportLists]--><span style="font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-size: 13pt;">The prevailing party or beneficiary shall provide the attorney, insurance company or agent responsible for the final distribution of such funds with a certification that includes the prevailing party’s or beneficiary’s full name, mailing address, date of birth and social security number; and <o:p></o:p></span></p><p class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in; text-justify: inter-ideograph;"><!--[if !supportLists]--><span style="font-size: 13.0pt; mso-bidi-font-family: Geneva; mso-fareast-font-family: Geneva;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-size: 13pt;">The attorney representing the prevailing party or beneficiary shall initiate a search of New Jersey judgments, through a private judgment search company that maintains information on child support judgments to determine if the prevailing party or beneficiary is a child support judgment debtor. <i>N.J.S.A. </i>2A:17-56.23b(b);<o:p></o:p></span></p><p class="MsoNormal" style="font-family: Geneva, sans-serif; font-size: 10pt; margin: 0in; text-align: justify;"><span style="font-family: Symbol; font-size: 13pt;">·</span><span style="font-size: 13pt;"> If the certification of the search company shows that the prevailing party or beneficiary is not a child support judgment debtor, the net proceeds may be paid to the prevailing party or beneficiary immediately. If the certification shows that the prevailing party or beneficiary is a child support judgment debtor, the attorney, insurance company or agent that initiated the search shall contact the Probation Division of the Superior Court to arrange for the satisfaction of the child support judgment. <i>N.J.S.A. </i>2A:17-56.23b(c). See <i>Strickland v. 212 Corp. of N.J.</i>, 380 <i>N.J. Super. </i>248 (Law Div. 2005). <o:p></o:p></span></p><p style="font-family: "Times New Roman", serif; font-size: 10pt; margin-left: 0in; margin-right: 0in; text-align: justify;"><span style="font-family: Geneva, sans-serif; font-size: 13pt;">https://www.njcourts.gov/attorneys/assets/appellate/practitionersguide.pdf<o:p></o:p></span></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-47957055527090584602023-08-25T10:09:00.005-04:002023-08-25T10:09:58.227-04:00Bank did not have duty to monitor trust account Harry Kuskin 2008 Irrevocable Trust v. PNC Fin. Group, Inc. A-1937-21<p> Bank did not have duty to monitor trust account Harry Kuskin 2008 Irrevocable Trust v. PNC Fin. Group, Inc. A-1937-21</p><p><span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;">Plaintiff trusts appealed grant of summary judgment to defendant in action over individual fiduciary's misconduct while serving as trustee. Individual was named as trustee when trusts were established in 2008. Individual opened deposit accounts for each trust with defendant, opened an investment management account for each trust in 2014 and transferred $5 million from deposit accounts into the investment management account. Individual requested a line of credit from defendant, using trust assets as collateral, for the benefit of a business in which he was a partner. Defendant denied the line of credit and individual transferred money from trust deposit accounts to his company. Individual later confessed he misappropriated funds from trusts and resigned as trustee. Plaintiffs alleged negligence, breach of contract, aiding and abetting and breach of fiduciary duty against defendant. Defendant argued it was immune under the Uniform Fiduciaries Law and trial court agreed and found plaintiffs' tort claims were barred by the economic loss doctrine. Plaintiffs argued defendant had a "special relationship" with them and failed to monitor the deposit accounts and disclose suspicious activity. Court found defendant owed no duty to monitor the trust accounts, rejected the aiding and abetting claims and found defendant was immune under the UFL.</span></p><p><span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;">source NJLJ </span><span style="background-color: white; caret-color: rgb(69, 69, 69); color: #454545; font-family: ProximaNova-Regular; font-size: 15px;">July 24, 2023</span></p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-1142289486444999152023-08-25T09:43:00.002-04:002023-08-25T09:43:49.273-04:00Quick v. Morgan Stanley A-0443-21 <p> Change of Beni forms must comply with procedures to be valid</p><p><span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;">Plaintiffs appealed the trial court's grant of summary judgment to defendants. The parties disputed the rightful beneficiaries of a Roth IRA account owned by decedent. Decedent held two accounts with Morgan Stanley, although the parties only contested ownership of one of the accounts. Decedent had two children prior to marrying his second wife, Marie. Marie also had a daughter from a prior relationship, plaintiff Denise Quick-Moschette. Decedent and Marie had one child together, Mark, who predeceased his parents but left a son, defendant Jacob Quick. Decedent and Marie had four other grandchildren, who were the defendants in the case. Decedent submitted a beneficiary designation form in 2017. The prior form submitted in 2015 named defendants as the primary beneficiaries. After Marie passed away, a Morgan Stanley representative sent decedent new beneficiary forms mistakenly believing that Marie was the beneficiary for both of decedent's accounts. Decedent enlisted the assistance of a long-time business assistant to complete the forms, naming Jacob and plaintiffs as beneficiaries but failing to designate which account the form applied to. Because the form failed to designate an account, the Morgan Stanley rep handwrote both of decedent's account numbers on the form. However, the rep later spoke with decedent and clarified that he wished to keep his beneficiary designations the same. In 2018, decedent submitted another beneficiary form naming plaintiffs and Jacob as beneficiaries of an unidentified account; decedent later clarified that he intended to apply the form to the account not in dispute. Following decedent's death, plaintiffs contested the validity of the 2015 form based on the 2017 form. The trial court granted summary judgment for defendants, finding that the 2015 form controlled. On appeal, the court affirmed, finding that decedent had failed to comply with Morgan Stanley's procedures for effecting a beneficiary change with the 2017 form. The court further noted that decedent expressly informed the firm in 2017 that he wished to keep his beneficiary designations the same from the 2015 form. </span></p><p><span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;">source NJLJ </span>June 29, 2023</p>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0tag:blogger.com,1999:blog-6991920008795017546.post-58392263285663874672023-08-25T09:22:00.003-04:002023-08-25T09:22:43.283-04:00Recording of Deed showed Donative intent Branco v. Rodrigues A-3030-21<p> <span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;">Defendant appealed the order of the trial court granting summary judgment that quieted title to property formerly owned by Jose Rodrigues. Rodrigues, who originally owned the property in fee simple, later conveyed the property to himself and plaintiff as joint tenants with right of survivorship. Plaintiff had a long-term live-in relationship with Rodrigues that lasted for approximately 25 years until Rodrigues' death in a car accident in 2020. Rodrigues owned multiple properties, including the subject property in the case, a multifamily income-producing property.</span></p>Recording of Deed showed Donative intent Branco v. Rodrigues A-3030-21<div><span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;"> In March 2007, after plaintiff and Rodrigues had been together for about 12 years, Rodrigues conveyed the property to himself and plaintiff as joint tenants with right of survivorship. Plaintiff was unaware of the transfer and did not sign the deed. Instead, only Rodrigues signed the deed and recorded it. After Rodrigues' death, defendant, Rodrigues' son and the administrator of his estate, began forwarding monthly rent checks from the property to plaintiff. Plaintiff finally discovered Rodrigues' transfer of the property when she conducted a title search and learned of her interest in the property. Plaintiff formed a real estate holding company and transferred title to the property to it.</span><br style="box-sizing: border-box; font-family: ProximaNova-Regular; font-size: 19px;" /><span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;">Plaintiff filed the present quiet title action against defendant and Rodrigues' estate. The trial court granted summary judgment in favor of plaintiff, finding that the undisputed evidence demonstrated that Rodrigues had validly effected an inter vivos gift transfer. The trial court ruled that plaintiff's lack of knowledge of the transfer was immaterial, as Rodrigues' recording of the deed demonstrated his intent to gift plaintiff an interest in the property and put third parties on notice of plaintiff's property interest.</span><br style="box-sizing: border-box; font-family: ProximaNova-Regular; font-size: 19px;" /><span style="background-color: white; font-family: ProximaNova-Regular; font-size: 19px;">On appeal, defendant argued that any inter vivos gift transfer was defective because plaintiff could not demonstrate intent, delivery, and acceptance by plaintiff. The court rejected defendant's argument and affirmed the trial court's summary judgment. The court ruled that defendant had failed to produce any evidence of a lack of donative intent by Rodrigues; instead, the court agreed with the trial court that recording the deed demonstrated Rodrigues' donative intent. The court found that the circumstances surrounding the transfer indicated that Rodrigues intended for the transfer to be a gift, which also supported a presumption of acceptance by plaintiff.</span></div><div><div class="page" title="Page 1"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">LIDIA BRANCO, Plaintiff-Respondent,</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">v.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">FRANCISCO ANDRE RODRIGUES, and Estate of JOSE RODRIGUES,</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Defendants-Appellants, and</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">MONICA MEJIA,<br />MANUEL COSTA, JONATHAN RODRIGUES (person with potential interest), and JOANNA RODRIGUES (person with potential interest),</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Defendants. ____________________________</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION<br />DOCKET NO. A-3030-21</span></p></div></div><img alt="page1image1811047088" height="62.250000" src="blob:https://www.blogger.com/c6397640-a951-4e15-8140-f936bb4f7119" width="180.750000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Submitted April 25, 2023 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">– </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Decided June 20, 2023</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Before Judges Sumners, Susswein, and Berdote Byrne.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">On appeal from the Superior Court of New Jersey, Chancery Division, Middlesex County, Docket No. C-000187-20.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: medium;"> </span><span style="font-family: TimesNewRomanPS; font-size: 10pt; font-weight: 700;">APPROVED FOR PUBLICATION June 20, 2023 APPELLATE DIVISION</span></p></div></div></div><div class="page" title="Page 2"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">The opinion of the court was delivered by</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">BERDOTE BYRNE, J.S.C. (temporarily assigned)<br />In this appeal of apparent first impression in New Jersey, we are asked to</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">resolve the outcome of an inter vivos transfer of a fee simple estate into a joint tenancy, where the donor pre-deceased the donee, who was unaware of her estate interest.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Defendants, Francisco Andres Rodrigues and the Estate of Jose Rodrigues (Estate), appeal an award of summary judgment quieting title to property formerly owned by Jose Rodrigues in fee simple, but subsequently conveyed to him and plaintiff, Lidia Branco, as joint tenants with rights of survivorship. Defendants argue the trial court erred in granting summary judgment because there were disputed facts clouding the issues of donative intent, delivery, and acceptance. We disagree and affirm.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Lidia</span><span style="font-family: TimesNewRomanPSMT; font-size: 9pt; vertical-align: 5pt;">1 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">lived with Jose for approximately twenty-five years in a long-term relationship until he died in a car accident in June 2020. The two were never married. Jose was an entrepreneur who owned several entities and properties, including a sixteen-unit multifamily residential building in Newark, (the </span><span style="font-family: TimesNewRomanPSMT; font-size: 9pt;">1</span></p></div></div><img alt="page2image798877008" height="0.720030" src="blob:https://www.blogger.com/713b2ef6-f433-471d-9437-c52e7f8d13f5" width="144.020000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">We use first names because multiple parties have the same last name; we intend no disrespect to the parties by the informality.</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">2</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 3"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">property), which he owned since 1996. The property was an income- producing asset for Jose, who died intestate.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Francisco is one of Jose's sons and the administrator of his estate. Francisco was the only named defendant to appear before the trial court; the other defendants were named as interested parties but never appeared and default was entered against them.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">In March 2007, when Jose and Lidia had been together for twelve years, and unbeknownst to her, Jose conveyed title to the property, for nominal consideration, from himself in fee simple to himself and Lidia as joint tenants with rights of survivorship. Jose was the only signatory on the deed transferring title. The deed was recorded in April 2007. Jose never told Lidia about the conveyance, and she did not discover the conveyance until after his death, more than thirteen years later.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">In June 2020, Jose died in an automobile accident. In July 2020, Francisco began forwarding monthly rental checks from the property to Lidia. In August 2020, Lidia ordered a title search of the property, whereby she first discovered her interest in the estate. Upon learning of her interest, Lidia formed a real estate holding company and transferred title of the property to the entity.</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">3</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 4"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">In December 2020, Lidia filed a verified complaint seeking injunctive relief, including a full accounting and independent administration of the Estate, and an injunction to block the Estate from transferring or otherwise transacting business involving the property. Lidia eventually voluntarily dismissed all claims except the quiet title. Discovery proceeded in the normal course, and in January 2022, the trial court entertained cross-motions for summary judgment.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">The issue framed to the trial court was whether the property transfer was an effective inter vivos gift. Finding for Lidia, the court found the undisputed record contained the requisite elements of an inter vivos gift transfer. Regarding donative intent, the court noted the twenty-five-year relationship where Jose continuously supported Lidia financially with income generated by the property. The court found, irrespective of Lidia's lack of awareness of her property interest during Jose's lifetime, the fact the deed was recorded constituted constructive notice to third parties about Lidia's property interest, and therefore favored her. Defendants appealed.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">We conduct a de novo review of an order granting a summary judgment motion, Gilbert v. Stewart, 247 N.J. 421, 442 (2021), applying "the same standard as the trial court under Rule 4:46-2(c)," State v. Perini Corp., 221 N.J. 412, 425 (2015). In considering a summary judgment motion, "both trial and</span></p></div></div><img alt="page4image1370876688" height="0.719970" src="blob:https://www.blogger.com/d855c0cd-d073-4b8e-bdaa-f81b33b94c43" width="112.340000" /> <img alt="page4image1370876992" height="0.720030" src="blob:https://www.blogger.com/9f1331f4-6243-4200-a728-009815a2b891" width="120.380000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">4</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 5"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">appellate courts must view the facts in the light most favorable to the non- moving part[ies]," which, in this case, are defendants. Bauer v. Nesbitt, 198 N.J. 601, 604 n.1 (2009). Summary judgment is proper if the record demonstrates "no genuine issue as to any material fact challenged and that the moving party is entitled to a judgment . . . as a matter of law." Burnett v. Gloucester Cnty. Bd. of Chosen Freeholders, 409 N.J. Super. 219, 228 (App. Div. 2009) (quoting R. 4:46-2(c)). Issues of law are subject to the de novo standard of review, and the trial court's determination of such issues is accorded no deference. Meade v. Twp. of Livingston, 249 N.J. 310, 326-27 (2021); Kaye v. Rosefielde, 223 N.J. 218, 229 (2015).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">We must be mindful that "an issue of fact is genuine only if, considering the burden of persuasion at trial, the evidence submitted by the parties on the motion, together with all legitimate inferences therefrom favoring the non- moving party, would require submission of the issue to the trier of fact." R. 4:46-2(c); see also Brill v. Guardian Life Ins. Co. of Am., 142 N.J. 520 (1995). "In order to demonstrate the existence of a genuine issue of material fact, the opposing party must do more than point to any fact in dispute." Globe Motor Co. v. Igdalev, 225 N.J. 469, 479 (2016).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Defendants contend Lidia failed to produce dispositive evidence of Jose's donative intent. They argue the transfer of title was an inter vivos gift;</span></p></div></div><img alt="page5image1371119744" height="0.720000" src="blob:https://www.blogger.com/586c23e2-20a0-4558-837a-83a7d4312530" width="99.144000" /> <img alt="page5image1371120048" height="0.720000" src="blob:https://www.blogger.com/912dd544-e895-4681-8c93-86c25d230dc6" width="60.960000" /> <img alt="page5image1371120352" height="0.720000" src="blob:https://www.blogger.com/053011ad-1ee6-43a5-ad29-b14d3b92205e" width="268.250000" /> <img alt="page5image1371120656" height="0.720000" src="blob:https://www.blogger.com/5f4ecba2-0385-440f-aedb-ab490f26952a" width="179.060000" /> <img alt="page5image1371120960" height="0.720000" src="blob:https://www.blogger.com/f122def5-990c-4310-a1a7-5fa989041651" width="112.460000" /><img alt="page5image1371121264" height="0.719970" src="blob:https://www.blogger.com/65277cc1-6a4d-4f8d-8197-164ff28c90fc" width="46.560000" /> <img alt="page5image1371121568" height="0.719970" src="blob:https://www.blogger.com/ffbb755e-2836-4edf-851c-3827956f9651" width="225.050000" /> <img alt="page5image1371121872" height="0.720030" src="blob:https://www.blogger.com/4da4f104-f7cb-4cd9-9815-d3356ad037ac" width="76.800000" /> <img alt="page5image1371122304" height="0.719970" src="blob:https://www.blogger.com/c6954acf-4827-4427-bcb1-93e6f1147d7a" width="83.640000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">5</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 6"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">the gift was defective, and the transfer was void because the requisite elements </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">–– </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">delivery, intent, and acceptance </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">–– </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">were not established. They complain the lack of evidence on these elements prevented Lidia from sustaining her burden of proof, and therefore, as a matter of law, should have precluded summary judgment. Although we agree determination of the issue before us depends upon whether the transfer deed was a valid inter vivos gift, we reject defendants' arguments and affirm the trial court's order.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Joint tenancy is one of the earliest forms of estate interest, dating back to the thirteenth century. See 7 Powell on Real Property § 51.01(1) (2023). From its inception, the law has allowed two or more persons to own undivided interests in the real property. See 4 Thompson on Real Property § 31.02 (Thomas ed. 2023). The right of survivorship to be held by co-equal co- owners is the essence of the joint tenancy estate and does not exist in other estate interests. See 13 N.J. Practice, Real Estate Law and Practice §§ 5:2 - 5:10 (Henry C. Walenctowicz) (2023).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">In New Jersey, joint tenancies are authorized by statute. N.J.S.A. 46:3- 17.1 provides:</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Any conveyance of real estate, hereafter made, by the grantor therein, to himself and another or others, as joint tenants shall, if otherwise valid, be as fully effective to vest an estate in joint tenancy in such real estate in the grantees therein named, including the grantor, as if the same had been conveyed by the</span></p></div></div><img alt="page6image1811749600" height="0.720000" src="blob:https://www.blogger.com/5fd299aa-54eb-4a81-bbe8-bd802c759688" width="153.740000" /> <img alt="page6image1811749904" height="0.720000" src="blob:https://www.blogger.com/719afe96-db3d-4ba6-9c51-98413cf64369" width="175.370000" /> <img alt="page6image1811750208" height="0.720000" src="blob:https://www.blogger.com/3c51904c-a547-4b91-bc6f-9971c58d0080" width="264.530000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">6</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 7"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">grantor therein to a third party and by such third party to said grantees.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Our statute, enacted in 1950,</span><span style="font-family: TimesNewRomanPSMT; font-size: 9pt; vertical-align: 5pt;">2 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">reflects a departure from previous common law requirements by allowing direct conveyances from a grantor to him or herself and another, circumventing the need for a "straw man."</span><span style="font-family: TimesNewRomanPSMT; font-size: 9pt; vertical-align: 5pt;">3 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">See, e.g., Lipps v. Crowe, 28 N.J. Super. 131 (Ch. Div. 1953) (retroactively permitting direct conveyance to a 1926 joint tenancy deed which predated the enactment).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">In New Jersey, ownership of real property is transferred by deed. N.J.S.A. 46:3-13; see also H.K. v. State, Dep't of Human Servs., Div. of Med. Assistance & Health Servs.,184 N.J. 367, 382 (2005) (setting forth examples of such transfers). "Transfer of real property interest by deed is complete upon execution and delivery of the deed by the grantor, and acceptance of the deed by the grantee." Ibid. (quoting In re Estate of Lillis, 123 N.J. Super. 280, 285 (App. Div. 1973)). "A deed transfers a property interest 'upon delivery.'" Ibid. (quoting Tobar Constr. Co. v. R.C.P. Assocs., 293 N.J. Super. 409, 413 (App.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 9pt; vertical-align: 5pt;">2 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">L. 1950, c. 71.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 9pt;">3</span></p></div></div><img alt="page7image1377877424" height="0.720000" src="blob:https://www.blogger.com/c9c9851d-7dcf-40d8-b60e-fcb0b552ae2f" width="100.220000" /> <img alt="page7image1377877728" height="0.720000" src="blob:https://www.blogger.com/dfc52ead-af14-4c74-b35c-69d26f9085d3" width="47.064000" /> <img alt="page7image1377878032" height="0.720000" src="blob:https://www.blogger.com/a964699c-ec56-4cd4-bfd6-4497e86804f4" width="307.850000" /> <img alt="page7image1377878336" height="0.720000" src="blob:https://www.blogger.com/d5eba097-c9b7-44bf-ae80-a588c1ff67d6" width="165.860000" /> <img alt="page7image1377878704" height="0.720000" src="blob:https://www.blogger.com/9ca863b3-079f-420d-b0a4-064fda2063a0" width="120.140000" /><img alt="page7image1377879008" height="0.719970" src="blob:https://www.blogger.com/08c67904-a8f1-4478-94a2-cb233c9cb130" width="217.130000" /> <img alt="page7image1377879312" height="0.720030" src="blob:https://www.blogger.com/537de4ac-d83c-4328-9704-255154ad70bd" width="144.020000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">At common law, there was no uniform interpretation regarding the legal consequence of such a direct conveyance on the four unities of time, title, possession, and interest required by joint tenancy. This occasionally necessitated a straw man conveyance. See generally 7 Powell § 51.02.</span></p></div></div><img alt="page7image1377912816" height="0.719970" src="blob:https://www.blogger.com/5ece78ac-f693-4721-bdfb-e182a20c81a2" width="79.704000" /> <img alt="page7image1377913120" height="0.719970" src="blob:https://www.blogger.com/5fa49497-63b8-45fa-96ac-285ee4f96612" width="40.800000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">7</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 8"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Div. 1996)). "Delivery can be shown by '[a]nything that clearly manifests the grantor's intention that the deed become immediately operative and that the grantee become the owner of the estate purportedly conveyed.'" Ibid.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">The requisite elements for an inter vivos gift are nearly identical to those required for an effective deed transfer. See In re Dodge, 50 N.J. 192, 216 (1967). To demonstrate a valid and irrevocable gift, a donee must establish four elements:</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">First, the donor must perform some act constituting the actual or symbolic delivery of the subject matter of the gift. Second, the donor must possess the intent to give. Third, the donee must accept the gift. Our cases also recognize an additional element, the relinquishment by the donor "of ownership and dominion over the subject matter of the gift."</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">[Sipko v. Koger, Inc., 214 N.J. 364, 376 (2013) (quoting Pascale v. Pascale, 113 N.J. 20, 29 (1988)).]</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">"The proof of these essential elements should be clear, cogent, and persuasive." Ibid. (quoting Farris v. Farris Eng'g Corp., 7 N.J. 487, 500-01 (1951)).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Much of the litigation reviewing courts have considered involving inter vivos gift challenges has dealt with issues regarding the donor's capacity, particularly in the context of undue influence. See Bhagat v. Bhagat, 217 N.J. 22, 45 (2014) (holding a parent who seeks to rebut a presumption that a property transfer to their child was a gift must present clear and convincing</span></p></div></div><img alt="page8image1378150832" height="0.720000" src="blob:https://www.blogger.com/3ce52f38-a9d8-4092-8edf-2c390a7282bf" width="75.000000" /> <img alt="page8image1378151136" height="0.720000" src="blob:https://www.blogger.com/9e9c4d64-29b4-47f4-a02c-f8bab3a5a756" width="136.220000" /> <img alt="page8image1378151440" height="0.720000" src="blob:https://www.blogger.com/1f0120e9-e928-410c-8337-2233c38eac56" width="106.920000" /> <img alt="page8image1378151744" height="0.720030" src="blob:https://www.blogger.com/b32e84fa-8d1c-4e20-aa27-a135770cd739" width="169.940000" /> <img alt="page8image1378152048" height="0.720030" src="blob:https://www.blogger.com/932ba460-9b04-4bb8-b526-a1cebd7a89be" width="102.740000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">8</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 9"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">evidence of a contrary intent); Pascale, 113 N.J. at 31-32; Dodge, 50 N.J. at 241; see also Oachs v. Stanton, 280 N.J. Super. 478, 485-86 (App. Div. 1995). We have not yet been asked to opine on the present scenario </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">– </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">a challenge to donative intent based not on undue influence </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">– </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">because it is undisputed the donee here was unaware of the gift until after donor passed away.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">In New Jersey, there has been no lack of challenges on the elements of an effective deed transfer where a deed was never recorded;</span><span style="font-family: TimesNewRomanPSMT; font-size: 9pt; vertical-align: 5pt;">4 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">however, we do not find successful challenges to an effective transfer where, as here, a deed was recorded. We believe those reasons to be self-evident.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">The owner of an interest in real property is generally prohibited from effecting transfer unless evidenced by a signed writing "by or on behalf of the transferor" because of the New Jersey Statute of Frauds. N.J.S.A. 25:1- 11(a)(1). The Statute of Frauds writing requirement is so fundamental to the adjudication of property transfers in New Jersey, it is in certain circumstances fatal to litigants seeking to enforce a real property right derived from oral agreements, such as an antenuptial oral promise. See Gilbert v. Gilbert, 61 N.J. Super. 476 (Ch. Div. 1960) aff'd, 66 N.J. Super. 246, 253-54 (App. Div. 1961).</span></p></div></div><img alt="page9image1378373408" height="0.720000" src="blob:https://www.blogger.com/cf0bfcc9-69e5-4ff1-8eee-e2a37a439c89" width="44.040000" /> <img alt="page9image1378373712" height="0.720000" src="blob:https://www.blogger.com/4f1fbf78-8f83-40f6-a5c3-668f0003183b" width="38.904000" /> <img alt="page9image1378374016" height="0.720000" src="blob:https://www.blogger.com/3ed62efa-9315-4b19-ac15-e297f926f316" width="46.800000" /> <img alt="page9image1378374320" height="0.720000" src="blob:https://www.blogger.com/e2008737-76de-4250-a6ac-6adcef2c5142" width="100.940000" /> <img alt="page9image1378374624" height="0.720030" src="blob:https://www.blogger.com/88a3787b-ff35-4d7a-9633-cd00e8e3ed7c" width="106.460000" /> <img alt="page9image1378374928" height="0.720030" src="blob:https://www.blogger.com/a6935a29-7795-4082-8c77-79d12088076a" width="144.020000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 9pt; vertical-align: 5pt;">4 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">See, e.g., H.K., 184 N.J. at 382-83.<br />9</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div><img alt="page9image1378382080" height="0.720030" src="blob:https://www.blogger.com/4ae2079e-54a5-4abc-8d03-f7eef79a9b6b" width="50.160000" /></div><div class="page" title="Page 10"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Moreover, New Jersey is a "race-notice" jurisdiction, and its status as such generally rewards those who record their deeds first. N.J.S.A. 46:26A- 12(a)-(c); Cox v. RKA Corp., 164 N.J. 487, 496 (2000).</span><span style="font-family: TimesNewRomanPSMT; font-size: 9pt; vertical-align: 5pt;">5 </span><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">A recorded deed serves as constructive "notice to all subsequent purchasers, mortgagees and judgment creditors" of its execution. N.J.S.A. 46:26A-12(a). "A deed or other conveyance of an interest in real property shall be of no effect . . . unless that conveyance is evidenced by a document that is first recorded." N.J.S.A. 46:26A-12(c).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Lidia possesses a recorded deed satisfying both the Statute of Frauds, N.J.S.A. 25:1-11, and the recording statute, N.J.S.A. 46:26A-12. Defendants argue "[Jose's] actions in not informing [Lidia] of the execution and existence of the deed is demonstrative of a concerted decision on the part of [Jose] to not finalize the claimed gift." Defendants proffer no other evidence to support a lack of donative intent and their arguments in the face of a recorded deed are unavailing. See Ridge at Back Brook, LLC v. Klenert, 437 N.J. Super. 90, 97- 98 (App. Div. 2014) ("Bald assertions are not capable of either supporting or</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 9pt;">5</span></p></div></div><img alt="page10image1378582032" height="0.720000" src="blob:https://www.blogger.com/e804f034-b10f-4605-bcd9-b5a7f88526e4" width="117.020000" /> <img alt="page10image1378582336" height="0.719970" src="blob:https://www.blogger.com/d7e865d4-e67e-4ddf-8849-8e1b6f4d7cf6" width="223.010000" /> <img alt="page10image1378582640" height="0.720030" src="blob:https://www.blogger.com/a82e412f-b4a2-40aa-819b-0baab5921fdc" width="144.020000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">"New Jersey is considered a 'race-notice' jurisdiction, which means that as between two competing parties the interest of the party who first records the instrument will prevail so long as that party had no actual knowledge of the other party's previously-acquired interest . . . . As a corollary to that rule, parties are generally charged with constructive notice of instruments that are properly recorded." (citations omitted).</span></p></div></div><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">10</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 11"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">defeating summary judgment."). The very act of recording the deed conveying title in this case evinced Jose's donative intent. See Pascale, 113 N.J. at 29 ("An adult donor is generally presumed to be competent to make a gift.").</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Moreover, although a "deed does not need to be recorded in order to pass title," the recorded deed here raises a strong presumption of delivery because it clearly manifests Jose's intent that the deed become immediately operative. H.K., 184 N.J. at 382. Courts generally look to intent when there has been no recording because intent may be a disputed material fact. Here, there can be no dispute regarding Jose's intent because he recorded the deed, rendering the joint tenancy immediately operable.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Commentators have noted where a donor transfers real estate into joint tenancy, the transfer may be presumed to be a gift. See 15 Powell § 85.21. That presumption applies here, where Jose transferred the property unilaterally, unbeknownst to Lidia, and dissolved his greater fee simple interest. Like any presumption, it may be rebutted with clear and convincing evidence. Defendants have failed to proffer any evidence to rebut this presumption.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Because the gift may be presumed, the element of acceptance by donee may also be presumed, "subject to the donee's right to disclaim the gift within a reasonable time after the donee becomes aware of the gift." See Restatement</span></p></div></div><img alt="page11image1378868096" height="0.720000" src="blob:https://www.blogger.com/2e69a0ac-ba39-475a-9a6d-49bc9afc2f65" width="44.160000" /> <img alt="page11image1378868400" height="0.720000" src="blob:https://www.blogger.com/c4e1e762-c39d-4d96-bdee-18f2dcfc11dc" width="40.824000" /> <img alt="page11image1378868704" height="0.719970" src="blob:https://www.blogger.com/cf3d49ea-c9be-430d-be1b-7bc6389d6787" width="72.480000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">11</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 12"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">(Second) of Property (Donative Transfers) § 32.3(2) and cmt. e (Am. Law Inst. 2009).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">As to the additional element of donor relinquishment, there can also be no doubt regarding Jose's actions. When Jose unilaterally dissolved his fee simple interest in favor and recorded the deed, he could not have subsequently unilaterally revoked the gift to transform the property back into a fee simple estate without Lidia's consent or the court's involvement. See Brodzinsky v. Pulek, 75 N.J. Super. 40, 50 (App. Div. 1962) ("A joint tenancy may be terminated altogether by mutual agreement between the parties . . . .") (citation omitted).</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">While Jose could have petitioned a court of equity for partition to sever the real property, such an act would have merely converted both parties' interest into a tenancy in common; it would not have the effect of revoking the gift or the effect of restoring him to his fee simple estate. Id. at 49-50 ("A joint tenancy may be converted into a tenancy in common . . . by the unilateral act of one of them in alienating or transferring his interest in the jointly owned property so as to destroy one or more of the four constituent unities . . . ."); see also Gauger v. Gauger, 73 N.J. 538, 542-43 (1977). Thus, the effect of recording the deed with a lesser title irrevocably destroyed Jose's fee simple</span></p></div></div><img alt="page12image1425244784" height="0.720000" src="blob:https://www.blogger.com/5761f2a5-b21c-4c36-b129-79207cd06d7f" width="250.820000" /> <img alt="page12image1425245088" height="0.720000" src="blob:https://www.blogger.com/b2eea7d6-8258-42da-9627-8124da7e3633" width="109.220000" /> <img alt="page12image1425245392" height="0.720000" src="blob:https://www.blogger.com/60fe9602-c456-4c33-bf8d-5f95fb521073" width="33.480000" /> <img alt="page12image1425245696" height="0.719970" src="blob:https://www.blogger.com/2f3a2b15-af21-4b22-a6da-79350f291a40" width="112.220000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">12</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div><div class="page" title="Page 13"><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">interest and satisfied the total relinquishment element necessary for an inter vivos gift.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">In arguing there was no evidence to support donative intent, defendants wholly disregarded both Jose's unilateral execution and recording of the deed. In failing to present any evidence to the contrary, defendants failed to present disputed issues of material fact precluding summary judgment, which was properly awarded to Lidia.</span></p><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">Affirmed.</span></p></div></div><img alt="page13image1425344768" height="60.350000" src="blob:https://www.blogger.com/8a0ecf9f-e3c6-485e-943f-b0de43e5089a" width="124.600000" /><div class="layoutArea"><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 14pt;">13</span></p></div><div class="column"><p><span style="font-family: TimesNewRomanPSMT; font-size: 8pt;">A-3030-21</span></p></div></div></div></div>Vercammen Lawhttp://www.blogger.com/profile/05005140446459230078noreply@blogger.com0