James Haroutunian

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Did you know that Massachusetts residents over the age of 70 can opt out of jury duty? A 75-year-old client recently got a summons in the mail for jury duty. He was overwhelmed about trying to balance serving on a jury while caring for his elderly wife. Amazingly, the mailed summons offered no phone number […]
Question: The deed to my house that my girlfriend and I own says “JTWROS.” What the heck does this mean? Answer: It means you really liked your girlfriend when you bought the house. A house owned by more than one person can either be linked together or held in two separate shares. You (or your […]
Real-estate closing attorneys are being advised to watch out for signs of elder financial abuse through real-estate transactions. Massachusetts law does not require mandatory reporting; however, because title insurance policies cover losses relating to elder financial-abuse issues, closing lawyers are asked to be the first line of defense. What are the title risks? “Most states […]
Question: Are Social Security numbers assigned randomly, or is there a system involved? Answer: Contrary to popular belief, Social Security numbers are not issued randomly. The Social Security Administration uses an interesting system of assignment. The first three digits are issued by the state. The numbers increase from east to west. New Hampshire starts area […]
Question: I moved in to care for my widowed mom three years ago. Her needs have progressed greatly, and we are now shopping for nursing homes. She has no money and owns her home. Is there a way to protect her house? Answer: It sounds like your mother will qualify for Masshealth to pay for […]
Question: Should I buy an extended warranty for my large gifts this holiday season? Answer: Don’t you love the slew of questions at the checkout counter? Are you a rewards member? Would you like to sign up for a credit card to save $2? And the hardest one: Would you like to buy an extended […]
Home equity lines are mortgages, too
Does your company offer enough sick leave?
Saved 20% on clothes, lost home loan