Tuesday, 22 June 2021 / Published in Uncategorized

Carjackings are on the rise across America.  Recently we learned of a tactic carjackers are using, so please spread the word.

You return to your car and after starting the engine and getting buckled up as you begin to move you notice a note or something on your rear windshield.  Since it clearly doesn’t belong there and it’s in your field of view you put the car in park, unbuckle your seat belt and exit the vehicle to remove the item from your rear windshield leaving the car running and your belongings inside.  After you exit the vehicle carjackers suddenly appear and jump into your car and speed off. 

Inside the car, are your cell phone and your keys.  If you’re a woman –  speeding away is your purse containing your keys, cash, credit cards, and ID with your home address along with the house keys.

So if you see a piece of paper or anything that doesn’t belong on your rear windshield, or even your front windshield, do not get out of  your car, lock your doors and just DRIVE AWAY.   Whatever the item is you can remove it later somewhere safe. 

Spread the word to family members and neighbors.  Protect yourself and your belongings by being extra vigilant in today’s atmosphere of lawlessness and criminal activity that has been emboldened by prosecutor’s unwillingness to hold individuals responsible for their actions.  Be safe.

Sunday, 20 June 2021 / Published in Uncategorized

The Village of Wappingers Falls Police Department is accepting
applications for part-time Police Officer positions.

Candidates at the time of application MUST have the following:

Must be fully certified or completed phase II academy
Possess a valid New York driver’s license
Successfully pass a thorough background check
Able to work at least 150 hours quarterly and including holidays,
weekends and overnights

Completed resumes must be handed in person or mailed to:

Charles Ferry, Police Commissioner
Wappingers Falls Police Department
2628 South Ave.
Wappingers Falls, NY 12590

Applicants will be called for interviews if selected

Part-Time officers to receive up to $25.99 hr. to start. (hourly rate
increases over time)
Officers will receive time and a half and or double time rate for
working any of contracted holidays.
Officers should expect to work a minimum of one day a week to a max of
two and 1/2 days.


Charles Ferry

Sunday, 20 June 2021 / Published in Uncategorized

Job Title:             Security Advisor and Lifestyle Management Aide

Employer:           Individual / Family with a pied-a-terre in New York City (Manhattan, in the East 60s)

Start day:            Ready to employ  

Requirements:   An individual with experience in police / law enforcement in NYC, preferably Manhattan (East 60s or close) but other parts of the city should be fine as well. Valid driver’s license.  Trustworthy, reliable, flexible, good communication and organizational skills. Discreet. High ethical standards. Respect to privacy and confidentiality. Age: up to 65 max.

Tentative Scope of Services:

·        Evaluation and advice on the installed household security & alarm systems

·        General advice re household and personal security and safety in the resident’s area

·        Assistance in locating, interviewing and hiring the household personnel (priority – a live-in housekeeper couple)

·        A go-to contact with any questions  like “where to go” / “how to do” while in NYC and assistance with respective arrangements and errands   

·        Driver services (possibly but not necessarily) during the Employer’s trips to NYC

·        General advice on any questions related to living in NYC.

Mode of operation: phone calls and emails when the Employer is not in town.  Same plus personal meetings and occasional accompanying in the city (if or when needed) during the Employer’s trips to New York (but this does not mean a bodyguard!).

Anticipated frequency of the Employer’s trips to New York: 2-3 times a year, about one week stay each.

Basis of Employment:  Contract with a company owning the property.

Remuneration:  Fixed monthly fee or hourly to be discussed @interview.


Svetlana Boode

Family Assistant

Mobile: +7 921 903 8191

(Same number for text and WhatsApp messages)


Tuesday, 09 February 2021 / Published in Uncategorized

Effective 7/1/21, NYS will impose a 2.5-year lookback period on transfers prior to applying for Community Medicaid.  If you missed our recent cocktail hour legal update, here are some attendees’ Qs and some practical tips:

I thought the Look-back is 5 years?  Yes, for Nursing Home Medicaid applications.  Homecare Medicaid, on the other hand, currently has NO lookback period.  This will change 7/1/21.  This means that we have a narrow window within which to protect assets and apply for Community Medicaid with NO lookback and resultant penalty period.

  1. The house is already protected, right?  Not quite….  One’s interest in the primary residence is exempt for purposes of Medicaid Applications only.  The house is not exempt from Medicaid recovery upon the death of the Medicaid recipient and the surviving spouse.  This is a very tricky rule.  Many well-intentioned friends and neighbors tell each other that the house is “exempt”.  Folks then leave it unprotected, and the children later learn that NYS gets the house! 
  1. A Trust sounds too complicated.  Can’t I simply put my house in the kids’ names, to protect it from future possible long-term care expenses?  NO!!!

A simple transfer of the house to the children will result in the loss of your STAR property tax exemptions.  It will also result in negative capital gains consequences to the kids.  Last but not least, the house will be exposed to the children’s future possible liabilities, such as divorce claims.  To prevent a future possible ex-daughter-in-law from having an ownership interest in your home, brush up on some trust basics.

  1.  Does a Living or Revocable Trust protect one’s assets in the event that Long Term Care is needed?  NO

Think about it.  A Revocable Trust allows me to serve as my own Trustee and have access to the trust assets whenever I wish.  How, then, can I turn around and expect a Nursing Home to disregard the assets in the trust?  Because I can get ‘my hot little hands’ on the assets whenever I wish, then so can a nursing home!  Contrary to the claims of many Revocable Trust promoters, (my mother is a regular at these seminars for the free refreshments) this estate planning tool should not be used if one’s goal is to protect assets from future possible health care costs. 

  1. Is it possible to protect one’s assets without using a totally Irrevocable Trust that can never be changed?             YES. 

It is true that an Irrevocable Trust is the best way to protect one’s assets from being decimated by long term care expenses.  What comes as a surprise to many, though, is that the trust does not have to be totally irrevocable.  I view trust drafting as an art form.  A properly drafted trust will provide the person creating it (the Grantor) with as much retained power as possible.  If our goal is to protect the home from future possible Long Term Care expenses, then the Grantor does not have to give up all ownership rights.  The terms of a PROPERLY DRAFTED Asset Protection Trust will allow me to change the person I’ve selected as my trustee at any time.   This power comes in handy in the event that I have a falling out with my Trustee or they move away.  It is also a good idea to retain the ability to change one’s named beneficiaries.  I may initially name my 3 children to be equal beneficiaries upon my death.  Life’s curve balls, however, may cause me to want to change this in time to come.  If a child were to predecease me, I want to be able to give his or her share of the trust to my grandchildren, rather than to an in-law.   A good trust will provide that the real estate can still be sold, but ONLY with my written permission.  Will the trust cause us to lose property tax exemptions?  No  (Thanks to a bill I sponsored in 1998) The best part about the Asset Protection Trust is that upon my death, my named beneficiaries receive all trust assets without probate, and all built in capital gains are totally eliminated. 

  1. My parents have pensions and SS each month.  I heard that they will not be eligible for Medicaid at home.            It is true that Medicaid rules have a very low income threshold.  HOWEVER- we can protect excess income for household use by creating a so-called ‘Pooled Trust’.

Please join us for our next interactive Zoom seminar on 3/2/21 at 1pm.  The registration link can be found at:

Ann-Margaret Carrozza, is an elder law attorney, TV legal contributor, the author of Love & Money, and former NYS Assemblywoman (with a 100% Police Voting Record).