THE MALDEN ADVOCATE–Friday, October 16, 2026 Page 19 BHRC | FROM PAGE 18 off electric bills this winter. This is about meeting the moment and lowering costs for people across Massachusetts.” ---Lt. Gov. Kim Driscoll on Gov. Healey declaring a State of Energy Emergency and, through an Executive Order, is expanding eligibility for home heating assistance and removing charges from electric bills. HOW LONG WAS LAST WEEK’S SESSION? Beacon Hill Roll Call tracks the length of time that the House and Senate were in session each week. Many legislators say that legislative sessions are only one aspect of the Legislature’s job and that a lot of important work is done outside of the House and Senate chambers. They note that their jobs also involve committee work, research, constituent work and other matters that are important to their districts. Critics say that the Legislature UPDATING YOUR BENEFICIARY DESIGNATIONS likely your ant retirement plan at work, however, most T he importance of initially establishing proper beneficiary designations (and then periodically updating them) with respect to retirement plans, IRA accounts, life insurance policies, annuity policies, etc., cannot be overemphasized. If you have an IRA account that you established prior to getting married and you never get around to changing the beneficiary designations after you get married, if you subsequently die, your spouse will receive nothing. The original primary beneficiary will take all. If the primary beneficiary dies prior to you, the contingent beneficiary will take all. A life changing event such as a marriage or a divorce should prompt you to review all of your beneficiary designations. If you have an ERISA complispouse will be the primary beneficiary of the retirement plan even if you don’t get around to updating the beneficiary designation by naming your spouse as the primary beneficiary. With an ERISA compliant retirement plan, a spouse must consent in writing for you to name someone else as the primary beneficiary. Beneficiary designation mishaps are more common than one might think. In fact, they occur quite frequently. In many cases, there are no named beneficiaries and the IRA/ retirement plan proceeds or life insurance proceeds end up being paid to the estate of the deceased person passing to the heirs at law based upon the Massachusetts intestacy statute, assuming there was no valid Last Will and Testament. The ultimate takers may include individuals that the deceased would never have wished to leave anything to. The lesson to be learned here is to give careful thought to your initial beneficiary designation form when completing does not meet regularly or long enough to debate and vote in public view on the thousands of pieces of legislation that have been filed. They note that the infrequency and brief length of sessions are misguided and lead to irresponsible late-night sessions and a mad rush to act on dozens of bills in the days immediately preceding the end of an annual session. During the week of October 5-9, the House met for a total of 21 minutes and the Senate met for a total of 23 minutes. Mon. Oct. 5 it and remember to revisit the form every few years or so in order to update it if necessary based upon a change in marital status, family members or any other circumstances that would warrant making a change. You can select a primary beneficiary and a secondary beneficiary. You can also attach an exhibit to the form to be more detailed about who gets what upon your death. For example, you can leave a life insurance policy death benefit to your three children with instructions to pay the children of a deceased child (i.e. your grandchildren) in equal shares. We often refer to this as “by right of representation” or “per stirpes”. Most of the time, people completing beneficiary forms will choose a primary beneficiary and a contingent beneficiary. People don’t realize that you can actually attach a supplemental schedule to the pre-printed form that allows you to tailor your beneficiary designation selection to your own estate planning objectives. You do not necessarily have to restrict yourself to the “four corners” of the pre-printed form. Joseph D. Cataldo is an estate planning/elder law attorney, Certified Public Accountant, Certified Financial Planner, AICPA Personal Financial Specialist and holds a master’s degree in taxation. REAL ESTATE TRANSACTIONS BUYER1 Hettrick, Jared Jagannath, Srinidhi Lama, Rohit Yang, Michael BUYER2 Miliotis, Christos Ramesh, Nandini Tamang, Prabina Yang, Rin SELLER1 Asiatidis, Demetri Austin Properties LLC Dorjee, Dakpa Indo Renovation Inc Nathaniel Cramer, Chair October 09, 16, 2026 Copyrighted material previously published in Banker & Tradesman/The Commercial Record, a weekly trade newspaper. It is reprinted with permission from the publisher, The Warren Group. For a searchable database of real estate transactions and property information visit: www.thewarrengroup.com. SELLER2 Asiatidis, Vanessa Bakrok, Tsering Dolma ADDRESS 28 Preston St CITY Malden 185 Madison St #185 Malden 60 Plymouth Rd 25 Leland St Malden Malden DATE 09.25.26 09.23.26 09.25.26 09.23.26 PRICE 660000 630000 800000 800000 House 11:00a.m. to 11:07 a.m. Senate11:19a.m. to 11:30 a.m. Tues.Oct. 6 No House session. No Senate session Wed. Oct. 7 No House session. No Senate session Thurs. Oct. 8 House 11:00a.m. to 11:14 a.m. Senate11:12a.m. to 11:24 a.m. Fri. Oct.9 No House session. No Senate session. Bob Katzen welcomes feedback at bob@beaconhillrollcall.com Bob founded Beacon Hill Roll Call in 1975 and was inducted into the New England Newspaper and Press Association (NENPA) Hall of Fame in 2019.m electric bills. Copyright © 2026 Beacon Hill Roll Call. All Rights Reserved. - LEGAL NOTICE - City of Malden Massachusetts Board of Appeal 215 Pleasant Street Malden, Massachusetts 02148 Telephone 781-397-7000 x2104 MALDEN BOARD OF APPEAL PUBLIC HEARING The Malden Board of Appeal will hold a public hearing on Wednesday, November 18, 2026, 6:30 pm Eastern Time (US and Canada) at Malden City Hall, 215 Pleasant St, Room #106 Herbert L Jackson Council Chambers, Malden, MA Petition 26-008 by 616 Broadway Holding LLC on behalf of Delight Medicals Inc., seeking a variance under Code of the City of Malden as amended – Title 4 Section 4.16.090 (C) Table of Intensity Regulations: Specifically: Regulation of Signs; By District as per plans SGER-078291-2026 at the property known as and numbered 616 Broadway., Malden, MA and also known by City Assessor’s Parcel ID #160-625-501 Additional information, Petition & plans available for public review in the Office of Inspectional Services, 215 Pleasant St., 3rd floor, Malden, MA or online at www.cityofmalden.org or https://maldenma-energovweb.tylerhost.net/apps/SelfService#/ home
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