Explanation of Health Savings Accounts

1. Background
2. What is an HDHP?
3. What’s the Advantage of an HDHP?
4. What Are the Tax Advantages of an HSA?
5. Establishing HSA’s at a Bank
6. Special Limitations on HSA Contributions    
7. Qualifying Medical Expenses

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Guidelines on Security & Disposal of “Consumer Information”

1. Broadened Emphasis
2. What Information?
3. Changes in Procedures and Contracts?
4. Where to Find the New Provisions.
5. 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

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