PAID ADVERTISEMENT QA YOUR OPPORTUNITY TO ASK THE EXPERTS! ATTORNEY CERTIFIED ELDER LAW ATTORNEY I wark for a technical company. I agreed not to disclose important confidential information for example, engineering work At my new company, can I tel them what does not work as that would save thema lot of time and research? you signed a confidential agreement and it is properly writen probably not. I would have to see the agreement to make sure what you can and cannot do. Something called a negative trade secret has value and should be protected depending upon what you signed. For example, you went to a restaurant and bought a taco and lked it. It would be nice if you want to make a better taco to have knowledge of the recipe for the restaurant's taco. Maybe you could reverse engineer it. If you wanted to make a better taca, it would help to know what did not work for example, what spices they used that made it taste worse. That information could be called a negative trade secret. Maybe you should not disclose it depending on what was signed. See your attorney before you consider sharing potential intelectual property issues with your employer One of my two children is a co-owner of my residence, but I want my estate to be shared equally between my two children, and that is what my Will provides. What should I do to make sure my estate is shared equaly? Q: A: If the residence is owned as joint tenants with right of survivorship |A: and you die, one child will own the entire interest in the residence, and the other child will get none of it. Planning with nonprobate assets such as joint ownership can easily spoil an estate plan. You need to do one of the following: 1. Add the other child to the deed; 2. Remove the existing child from the deed; or 3. Change your Will to reduce the share of the joint owner by the value of the real estate. L. Christian DeDiana 724-219-3906 Certified by National Elder Law Foundation www.dedianaelderlaw.com Jon M. Lewis, Esq. Mears, Smith, Houser & Bayle, P.C. 127 N. Main St. Greensburg, PA 15601 724-836-4730 MEDICARE INSURANCE SENIOR CARE My grandmother is 82 and is doing great. My family recently moved to the West coast and we feel like we have lost contact with her. She does not know how to use a tablet or smartphone, and we obviously can't visit her like we used to. Any ideas? Could you explain how I will be charged for an emergency room visit? I recently enrolled in a Medicare Advantage Plan. A: You will have a copayment, probably $90. All tests, xrays and other services are covered under that copay. If you are admitted to the hospital, the $90 copayment is waived and everything is covered under your hospital copayment. If you are not admitted to the hospital but put on observation status by the doctor, the $90 is waived and you will be charged an observation fee plus the copayment for each of the services you receive This is a very common problem and is why we created Senior Helpers A: CONNECT. Just imagine how great it would be for you and your children to be able to instantly text her and send her photos or do a video call with her on her TV. This innovative service is very affordable and does not require your grandmother to learn any new technology. Please call to learn more. Michael Noppe Insurance Services LLC 1255 South Main Street Greensburg, PA 15601 800-800-1999 ext. 65 Carol A. Trent, M.S. Senior Helpers 724-834-5720 RETIREMENT & IRA TAX PLANNING Last week you mentioned something about no inheritance tax for your children under 21 if something happens to their parents. I wasn't aware of1 this. We have two children under 5. Should we consider trusts for them as our retirement plan beneficiaries? Please Email Your Questions to asktheexperts@tribweb.com A: Govemor Wolf has just recently signed this new Legislation. It is something you could consider for a variety of reasons, However this is not a do it yourself undertaking, and you need to be careful of the "trust mill" attorney's that seeming sell fluff with little substance. The trust needs to contain provisions that would follow IRS guidelines. Ideally you need a tax consultant knowledgeable in this area and an attorney experienced in trusts To be an Expert Please Call 724-853-5052 on This Page Sam White CPA member ED SLOTTS Master Elite IRA Advisor Group 101 North Main, Greensburg, PA 724-634-2255 PAID ADVERTISEMENT QA YOUR OPPORTUNITY TO ASK THE EXPERTS! ATTORNEY CERTIFIED ELDER LAW ATTORNEY I wark for a technical company. I agreed not to disclose important confidential information for example, engineering work At my new company, can I tel them what does not work as that would save thema lot of time and research? you signed a confidential agreement and it is properly writen probably not. I would have to see the agreement to make sure what you can and cannot do. Something called a negative trade secret has value and should be protected depending upon what you signed. For example, you went to a restaurant and bought a taco and lked it. It would be nice if you want to make a better taco to have knowledge of the recipe for the restaurant's taco. Maybe you could reverse engineer it. If you wanted to make a better taca, it would help to know what did not work for example, what spices they used that made it taste worse. That information could be called a negative trade secret. Maybe you should not disclose it depending on what was signed. See your attorney before you consider sharing potential intelectual property issues with your employer One of my two children is a co-owner of my residence, but I want my estate to be shared equally between my two children, and that is what my Will provides. What should I do to make sure my estate is shared equaly? Q: A: If the residence is owned as joint tenants with right of survivorship |A: and you die, one child will own the entire interest in the residence, and the other child will get none of it. Planning with nonprobate assets such as joint ownership can easily spoil an estate plan. You need to do one of the following: 1. Add the other child to the deed; 2. Remove the existing child from the deed; or 3. Change your Will to reduce the share of the joint owner by the value of the real estate. L. Christian DeDiana 724-219-3906 Certified by National Elder Law Foundation www.dedianaelderlaw.com Jon M. Lewis, Esq. Mears, Smith, Houser & Bayle, P.C. 127 N. Main St. Greensburg, PA 15601 724-836-4730 MEDICARE INSURANCE SENIOR CARE My grandmother is 82 and is doing great. My family recently moved to the West coast and we feel like we have lost contact with her. She does not know how to use a tablet or smartphone, and we obviously can't visit her like we used to. Any ideas? Could you explain how I will be charged for an emergency room visit? I recently enrolled in a Medicare Advantage Plan. A: You will have a copayment, probably $90. All tests, xrays and other services are covered under that copay. If you are admitted to the hospital, the $90 copayment is waived and everything is covered under your hospital copayment. If you are not admitted to the hospital but put on observation status by the doctor, the $90 is waived and you will be charged an observation fee plus the copayment for each of the services you receive This is a very common problem and is why we created Senior Helpers A: CONNECT. Just imagine how great it would be for you and your children to be able to instantly text her and send her photos or do a video call with her on her TV. This innovative service is very affordable and does not require your grandmother to learn any new technology. Please call to learn more. Michael Noppe Insurance Services LLC 1255 South Main Street Greensburg, PA 15601 800-800-1999 ext. 65 Carol A. Trent, M.S. Senior Helpers 724-834-5720 RETIREMENT & IRA TAX PLANNING Last week you mentioned something about no inheritance tax for your children under 21 if something happens to their parents. I wasn't aware of1 this. We have two children under 5. Should we consider trusts for them as our retirement plan beneficiaries? Please Email Your Questions to asktheexperts@tribweb.com A: Govemor Wolf has just recently signed this new Legislation. It is something you could consider for a variety of reasons, However this is not a do it yourself undertaking, and you need to be careful of the "trust mill" attorney's that seeming sell fluff with little substance. The trust needs to contain provisions that would follow IRS guidelines. Ideally you need a tax consultant knowledgeable in this area and an attorney experienced in trusts To be an Expert Please Call 724-853-5052 on This Page Sam White CPA member ED SLOTTS Master Elite IRA Advisor Group 101 North Main, Greensburg, PA 724-634-2255