Indianapolis Recorder, Indianapolis, Marion County, 11 January 1986 — Page 3

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that only wills, since of value to

serve two functions: to

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raH842-9235. distribute property and to minimiM Hickman ntay be estate and bSaoce taxes. A will ty tveniitf frpm is essential if youhavesudi assets as

*fr a borne, insurance policies, or per-

will. Moreovir, you can alter your

out chanting the

entire document. This can be aeOOmpUshed by adding a codicil, an

modifying the wiH. This

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ner as your original will.

You do not have to reveal the contents of your will, but you should let someone know where it can be located. Leave a copy with your attorney, in a safe deposit box, or store it with your other important

- . - aw* puuwci, ur per? W*”* private and important as 'may be jonal property. Even the fact that your will is. take the precaution of wen in a segment of "On The someone will have to take care of

Street” on public television station your ftineral arrangements and ex WFYJ-Channel 20 at 5:30p.m., also poises is reason enough for you to on Sunday evenings. make a will.

Before a wiU can be properly

drafted, you should collect detailed information about your immediate family, assets, liabilities, personal affairs and business activities. A breakdown of the information should include the location of important documents such as your birth certificate, what company benefits or dividends on securities you are entitled to, and where to

find deeds or safe deposit boxes.

' An attorney can be helpful in drafting your will, but it is not a legal requirement. In fact, many people successfully draw up their own wills. Each state has its requirements for a valid will, such as the number of witnesses required, where the testator or person drafting the will should sign, and what

provisions must be included. Keep in mind that a will is a legal

document. In order for it to be effective, legal guidelines must be

followed. ■

If your will requires extensive estate planning, trust features or involved tax matters, it is wise to consult an attorney. A trust company or an accountant can be useful. Remember that it is important to name an executor, usually a close friend or relative, who will be responsible for adifiinistering the

will.

Besides making sure that heirlooms are fairly distributed, the executor should file your will with the local authorities, take stock of your property, assess the value of your estate, and file federal and-or state tax returns. Other duties entail notifying the post office about your death, collecting money due you from various sources, and settling your obligations. The most important task in selecting an executor is finding a capable and reliable person. After you have drafted a will and named an executor, make a checklist that includes the following: * Your full name spelled correctly. •A provision of payment for debts and funeral expenses. * Burial instructions. *A provision for the distribution of personal property, and particularly a provision for the distribution of property in the event that a specific individual named to receive an item precedes you in death. * A provision for maintaining your home or real property or giving the proper person the power to sell, mortgage, lease or exchange them. * Mention of children, adopted children, or grandchildren, especially any that may be born after the execution of your will. * A charitable provision. * A provision for payment of death taxes. * An attestation clause, signed by witnesses, ensuring that will is valid. Your will can be changed, revoked, or altered at any time before your death. You can have a new will drafted. Once it is properly ex-

If you die without leaving a will, you are telling the state to do the following for your family and your

estate:

1. Depending upon how many children I leave behind, I give to my spouse only one-third or one-half of all my property, including real estate and personal possessions. I give my children whatever is left

over.

2.1 appoint my spouse as guardian of my minor children, but I insist that he or she provide a bond to insure performance of duties and that a yearly accounting be given to the probate court of just how the money was spent in caring for them. The expenses of this bond and accounting wiU be paid out of my

estate.

3.1n the event my spouse should die before I do, I don’t care who is selected as the guardian of my minor children. spend their entire share of irfy estate, without any consideration for their educational or employment

needs.

S.In the event my spouse remarries, I give his or her new spouse at least one-third of all that my spouse inherits from me. 6.1 do not wish to appoint my spouse or a trusted friend as personal representative of my estate. Anyone the probate court selects will do and will be paid a commission from my estate. 7.1 give the government the opportunity to tax my estate to the maximum, rather than using legitimate means to lower the tax my estate must pay. This would leave less money to be distributed to my spouse and children. 9.1 have intentionally omitted leaving anything to my church or to any evangelistic or other Christian charity. 9.1 acknowledge that I want the state to make disposition of my estate rather than exercising my right to make my own will. Putting off drafting a will because of a busy schedule or superstition is a grave mistake. Under impersonal and inflexible intestacy laws, the state is empowered to distribute the

making it accesslbte at your dorth. If you have not already made a waill and you care about what happens to your property after you are gone, do not procrastinate any longer. It is a fairly simple process, not that you know the facts. Just follow the guidelines suggested here, and you can rest comfortably knowing that your lOved ones will be

taken care of.

For a free look into your own financial situation call and say you read it in The Indianapolis

Recorder.

Cocaine, the myth I.Cocaine is a relatively safe drug because it is not addicting as in .the case of heroin. Myth. It’s true that/k single dose of cocaine is generally safer than heroin even when injected. But the high lasts only a few minutes and leaves a tremendous craving causing the abuser to immediately consume more. Since the first dose has not cleared the body in spite of the loss of the high, it is very easy to accumulate an overdose by repeated use. Some authorities describe the addict as the drug abuser who actually becomes physically ill if he does not get his drug. This is the case of the chronic abuser of heroin and phenobarbital. In fact the phenobarbital abuser may die suddenly if the drug is withheld. The heroin addict has withdrawal symptoms, and the alcoholic has hallucinations and the tremors when he stops drinking after a long weekend. This is a physical dependence or addiction to the

■y Edwin T. Johnson, MD

Haaltfc tynrflca'kKi

free volunteer tax assistance available at pubBc libraries

Beginning Jan. 27, volunteers from Internal Revenue Service will be scheduled in branches of the Indianapolis-Marion County Public Library, twice a week through April 12, to help low income and elderly persons with problems in filling out basic tax forms. Anyone wishing to take advantage of the free service should bring the following items: Last year's tax return, the tax package received this, year, W2 forms, interest and dividend statments. Form 1099 SSA from Social Security Administration, and any other

i: Tuesdays, 5 to 7 p.m. and Saturdays, 1 to4p.m. Planner House: Tuesdays, 5:30 to 7:30 p.m., and Fridays, 10:30 a.m.

to 12:30p.m.

Haagbvfls: Tuesdays, 1 to 3

But the craving of cocaine can be just as powerful as the devastating addiction to heroin. The abuser may start off with good intentions of enjoying himself and leaving it alone. But in a short time he finds a yearn-

ing he didn’t expect.

Snorting cocaine can become a way of life. Eventually he may turn to free basing to get that elusive ultimate high, and some will even turn to intravenous use. There are cases of abusers coming to themselves after a week or more, having sold their car and depleted their bank account to buy cocaine and having no recollection of the events. If the abuser is rich, fine and dandy. If he’s not, he’ll be dropping

over to pick up your TV.

2.Authorities are still concentrating most of their efforts

p.m., and Saturdays, 10:30 a.m. to ‘ ^ < ® u J rts ar* jam™-

Libraries where volunteer income tax assistance (VITA) will be of-

Brigbiwood: Mondays, 4:30 to 7£0 p.m. aNd Saturdays, 10:20

Mkutol:20p.m.

Broadway: Tuesdays, 4 jo 7:20 >.m. and FHdays, 10 a.m. to 12:20

p.m. p.m. irowm Wednesdays, 5 to 7 p.m. Wagi

JSSKSAi'

12:30p.m.

Lawreace: Wednesdays, 6:30 to 8:30p.m., and Frhlays, 1 to 3 p.m. Nora: Thursdays, noon to 3 p.m., and Saturdays, 10a.m. to noon. V Prospect: Mondays, 4:30 to 7:30 p.m., and Saturdays, 1 to4p.m. Shelby: Thursdays, 1 to 4j>.m., and Saturdays, 1 to4p.m. Southport: Thursdays, 10 a.m. to 1 p.m.,and Fridays, 6to8:30p.m. Spodm Park: Saturdays, 2 to 4

pan.’

Wednesdays, S to

11 a.m.

Mondays, 11 a.m. to 3 Thursdays, 6gj0 to 8:30

graPEpp

ed with drug cases. But only 25 percent are heroin-related. More than 70 percent are marijuana- or

cocaine-related.

3.Cocaine use, by and large, is the drug of the rich and affluent. Myth. It’s not just the doctors and lawyers and executives and professional athletes. It’s rampant in the high schools of metropolis USA and small-town America. Cocaine is being abased at chic parties, in swank high-rise apartments, and along the manicured streets of suburbia. But our young people are also snorting and smoking in the ghettos of Detroit and Watts. In fact, 39 percent of cocaine users areblack 4.1f we could choke off the flood j of cocaine thrtnmh Kfiami and New York Brag traffic could be controll-

ed. Myth.

Miami and New York me still the

Son OUTLOOK ON. Papo If

THE HILL CENTER ACHIEVERS held their final recognition dinner in December. Lyman Battles, director of the PAL Club, was principal speaker. Achievers in various fields are invited annually to speak to the youth about their particuar goals. The Achievers’ theme is, "Never Let One Skill Be Enough.” Pictured on front row from left are Charles Hodges, Iran Reed, Keshia Levels, Tina

Crambaugh, and Damon Jones. On second row are Ms. Delores Holland, center assistant director; Derrick WilUams, and Billy Kersey. On third row are Kenneth Bates, Jerry Byrd, Tommy Epps, Chris AHen, Mary Allen, Jonas Carter, Laronna Turner, Tracey Kersey, Mrs. Wilma Nelson, organizer of the achievement program. (Recorder photo by Marcell Williams)

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