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February 2005

• February 1, 2005

  February 2005 Legal Briefs

  Explanation of Health Savings Accounts Background What is an HDHP? What’s the Advantage of an HDHP? What Are the Tax Advantages of an HSA? Establishing HSA’s at a Bank Special Limitations on HSA Contributions     Qualifying Medical Expenses

January 2005

• January 1, 2005

  January 2005 Legal Briefs

  Guidelines on Security & Disposal of “Consumer Information” Broadened Emphasis What Information? Changes in Procedures and Contracts? Where to Find the New Provisions. Some Information-Protection and Information-Disposal Issues and Examples a. Directors’ Packets.    b. E-mails and Files on a Computer  c. Files and Other Paper Documents. Paying Deposits to Heirs Based on Small-Estate Affidavits