Nappanee Advance-News, Volume 120, Number 2, Nappanee, Elkhart County, 8 January 1997 — Page 3

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NEW OFFICE—Sheila Pletcher, left, administrative assistant, end Bonnie Andrew, RN, nursing coordinator, pose next to the sign at the new Home Health SeTvices office of

New books available at Library

The following selections are now available on loan at the Nappanee Public Library for your reading enjoyment. ADULT FICTION: The Special Guest, by Allen— After a family invites a stranger to spend Christmas with them, unexpected things begin to happen, and they discover who their guest really is. The Notebook, by Sparks —A rural southerner is haunted by School menus NAPPANEE ELEMENTARY Thursday, January 9—Chicken sandwich, potato wedge, strawberry mousse or peaches, cookie, milk. Friday, January 10—Ham sandwich, tater tots, pineapple or applesauce, milk. Monday, January 13 —Polish sausage sandwich, curly fries, peaches or apples, brownie, milk. Tuesday, January 14—Sausage tjiizza, peas, banana or pineapple, chyrro, milk. Wednesday, January 15 —Beef stew, tossed salad, peaches or pears, com bread, milk. WOODVIEW ELEMENTARY Thursday, January 9 —Salisbury steak, mashed potatoes, buttered bread, Mandarin oranges, shapeup, milk. Friday, January 10—Pizza, com, garlic breadstick, applesauce, juice, milk. Monday, January 13—Sausage patty, French toast sticks, tri tater, peaches, grapes, milk. Tuesday, January 14—Hot ham sandwich, green beans, chips, pears, sherbet, milk. Wednesday, January 15 — Grilled cheese sandwich, tomato soup, kosher spear, cottage cheese, melon balls, tropical fruit, peanut butter cookie, milk. WAKARUSA ELEMENTARY ( Thursday, January 9—Hot dog sandwich, baked beans, graham cracker, pudding, pineapple, milk. Friday, January 10—Chili soup, soft pretzel, peaches, mixed fruit, crackers, milk. Monday, January 13—Pizza casserole, green beans, garlic toast, pineapple, strawberries, milk. Tuesday, January 14 — Cheeseburger sandwich, French fries, oranges, sherbet, milk. Wednesday, January 15— Fiestada, lima beans, apple wedges, fruit juice, mountain bar cookie, milk. NORTHWOOD MIDDLE Thursday, January 9—Taco salad, com, cinnamon roll, peaches or pineapple, milk. Friday, January 10—Fish nuggets, buttered bread, pears or applesauce, cottage cheese, baked beans, milk. Monday, January 13—Beef stew, tossed salad, buttered muffin, peaches or pineapple, milk. Tuesday, January 14—Fiestada, green beans, applesauce or mixed fruit, marble squares, milk. Wednesday, January 15—Ham sandwich, French fries, pears or peaches, mountain bar cookie, milk. NORTHWOOD HIGH Monday, January 13 —(Choose one) spaghetti, tenderloin sandwich, cold shaved turkey sandwich or salad bar; (choose two) green beans, tossed salad, pineapple tidbits, pears or fresh fruit basket. Garlic toast. Tuesday, January 14—(Choose one) chicken noodle soup with crackers, ham sandwich, cold shaved turkey sandwich and salad bar; (choose two) baked beans, cottage cheese, tossed salad, orange wedges, strawberry yogurt dessert or fresh fruit basket. Peanut butter sandwich. Wednesday, January 15 — (Choose one) Baked potato bar or taco salad bowl; (choose two) tossed salad, jello with fruit or fresh fruit basket. Brcadsticks, white or chocolate milk.

Elkhart General Hospital. The office is located in the Northwood Professional Associates Building, 1001 North Main Street, Nappanee. See related article for details.

memories of the girl he loved fourteen years earlier, until he unexpectedly reenters his life, in this tender story about the enduring power of love. Trouble in the Town Hall, by Dams—An American living in a small English village discovers a body in the abandoned Town Hall, and becomes involved in the town planning committee’s escalating battle over the building’s future. Song of Solomon, by Morrison —This retelling of the black experience in America is also a family saga, and a personal journey of self-discovery. Star Wars: The New Rebellion, by Rusch—The victorious New Republic is facing swift and total Annihilation unless Luke and Leia can evade those who would destroy them. The Queen’s Man, by Penman —A letter given to one of the aides of Eleanor of Aquitaine by a dying man on the road to Winchester is the only clue to the fate of Richard Lionheart, in this medieval mystery. Yon 111 Wind, by Anthony —On a dare from his fellow demons, the omnipotent ruler of the enchanted land of Xanth must travel throughout his kingdom in disguise and under a number of conditions, but the adventure is disrupted by a hapless human family blown into the land by a hurricane. After Caroline, by Hooper— After her near-fatal accident, a woman’s frightening dreams lead her to Find the obituary of a woman killed on the day of her accident, and to a town where secrets exist that someone may have killed to hide. 4 Distant Valor, by Moreau —This novel of the U.S. Marine Corps is based on the mission to end the war in Lebanon which ended in the U.S. barracks bombing. Black Alley, by Spillane —Mike Hammer is in darker danger than ever before, pitted against the most powerful family in the Mafia, and on the trail of a missing cache of money. Alias Grace, by Atwood —This novel takes the reader back into the life and mind of a notorious woman convicted of the murders of her employer and his housekeeper in the 19th century. ADULT NON-FICTION: Don’t Block the Blessings, by Laßelle —Singer Patti Laßelle recounts the ups and downs in her life. Boy Clinton, by Tyrrell —A less-than-objective biography of President Clinton. The Seduction of Hillary Rodham, by Brock —A political biography of Hillary Clinton by a right-wing journalist. Rice —A pictorial autobiography of NFL star Jerry Rice. No Contest, by Nader — Consumer advocate Ralph Nader contends that individual justice in America has been undermined by large corporations and their lawyers. The Making of a Country Lawyer, by Spence —The autobiography of renowned trial lawyer Gerry Spence. Kitchen Table Wisdom, by Remen —Stories that stand witness to life’s natural tendency to heal our wounds. For the Love of Mcrriage, by

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Drescher—lnsights about marriage from an experienced pastoral counselor. The Complete Idiot’s Guide to Hiking, Camping, and the Great Outdoors, by Mouland. Grave Secrets, by Wecht —a forensic pathologist discusses the most shocking crimes and spellbinding trials of our time. Houdini!!!: The Career of Ehrich Weiss, by Silverman — biography of the escape artist. Black Profiles in Courage, by Abdul-Jabbar—black heroes from all walks of life. Storm Chaser, by Faidley —a photographer and full-time storm chaser tells of his experiences. Uncommon Voyage, by Karmer —the mother of a child with cerebral palsy tells of her experiences with alternative medicine. A Reporter’s Life, by Cronkite —Walter Cronkite’s autobiography. The Private Lives of the Three Tenors, by Lewis—the foibles, fame and excesses of the worldfamous opera stars, Domingo, Pavarotti and Carreras. The Dark Side of the Game, by Green —National Public Radio’s NFL commentator, a former pro football player, tells of the pathos, the abuses and the wonder of pro football. This Noble Land: My Vision for America, by Michener —the author examines nine fundamental problems America faces, and offers solutions. A Civil War: Army vs. Navy, by Feinstein —a year inside college football’s oldest and most intense rivalry. Witnessing American —the story of our country’s past, using the words of those who lived it. Puppies, Dogs, and Blue Northers, by Paulsen —the life of a litter of sled dogs, and their bond with their owner. Gifts of the Heart, by Youngs—stories that celebrate life’s defining moments. Where Wonders Prevail, by Anderson —true accounts that bear witness to the existence of heaven. Releasing the Prayer Anointing, by Lea-seven principles of effective prayer. The Blessings of the Animals, by Bonzalez—true stories of Ginny, the dog who rescues cats. The Bold and the Beautiful, by Waldron—photos and text tell the ten-year history of the daytime drama. Dogbert’s Top Secret Management Handbook, by Adams —a humorous business handbook by the “Dilbert” comic strip author. The Soul’s Code: In Search of Character and Calling, by Hillman—a theory that proposes that each life is formed by a particular image that is the guiding force of its destiny. Searching for God in America, by Hewitt—this history of America’s continuing search for God is a companion to the PBS series. The Beardstown Ladies’ Guide to Smart Spending for Big Savings—how to save for a rainy day without sacrificing your lifestyle.

Coping with estate taxes

By Jay Heckaman New York Life Business owners have wonderful dreams. It’s these dreams that provide them with the strength to succeed. It’s also quite possible that they envision the business remaining in the care and protection of their family after they are gone. Unfortunately, federal estate taxes can shatter this dream and, in the process, leave your family in financial disarray. Federal estate taxes can be so devastating that your family may have no other option but to sell the business to pay for the cost of distributing your wealth. Fortunately, there are ways to minimize the impact of estate taxes and secure the continuation of the business for ycur loved ones. Because of the unique burden federal estate taxes place on business owners and their families, the IRS created Section 6166 of the Internal Revenue Code (IRC). If your business qualifies. Section 6166 allows the portion of the estate tax that is attributable to your business to be paid in 14 annual installments, as opposed to one lump sum. During the First for years of the installment period, th*e executor of your estate has the option to pay interest only on the outstanding tax due. Thereafter, ten annual installments of both interest and principal are due each year. Initially, a deferred payment schedule may seem like a solution to your estate planning needs when passing the business to your heirs. In the long run, however, Section 6166 has several potential drawbacks: 1) Your estate will remain open and unresolved for the duration of the installment period. In fact, the IRS actually places a tax lien on your business to ensure that all of the installment payments are met. 2) Your heirs may ultimately be forced to sell the business to meet the estate tax. If this occurs, any outstanding estate tax will be payable in full. The sale, Early Bird Chirp... Twelve members were present at the December 23 meeting of the Nappanee II Early Bird Kiwanis. Shirley Pitney won the 50/50 raffle, and members were joined by an interclub from Milford, and guests Esther Farmwald, Marie Cleary, Doris Peach, Dick Pletcher, and Bob and Tammy Mullins. Susan Nunemaker was the program chairman, and presented Sara Jane Mullins, who portrayed Annie in the Amish Acres holiday production at the Round Barn Theatre. At the December 30 meeting, eight members were present for the program on Home Health Care in the Nappanee area. Speakers were Dr. Borger, Bonnie Andrews and Shelia Pletcher. Dr. Mike Andrews was also a guest. Early Bird Kiwanis meets each Wednesday at 6:30a.m., at Ron’s Bakery and Restaurant. Visitors are welcome. For more information, call Ron Meister, 773-2179.

JL. THE mOVHNGMS a* Rr%.-oir%c:ic3i! v Publishes: Wednesday, Jmsls Pilot-News n* Saturday , Jan. 18 Farm & Home

Nappanee Advance News Wednesday, January 1997

exchange, distribution, or withdrawal of one half or more of an interest in the business also triggers the acceleration of any unpaid taxes. 3) The continuation of the business could suffer because of the additional expenses associated with the interest and principal payments. 4) greater amount of debt may adversely affect the company’s credit, and hinder its ability to raise additional funds during tough economic times. 5) if your business qualiFies and your executor elects the Section 6166 option, the estate still needs enough liquidity to meet administrative costs, cash bequests, state death taxes, and additional federal estate taxes due that are not attributed to your business. Purchasing an adequate amount of life insurance may help to reduce much or all of the estate tax burden that would otherwise fall on your family. Life insurance may relieve the risk that if your business fails to qualify for the Section 6166 election, you have the cash needed to meet the estate tax obligation.

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Death beneFit proceeds are income tax free, and are immediately available to your bencFiciary. Remember, federal estate taxes are due nine months after your death, and the IRS wants payment in' cash. In addition, premiums paid to fund a life insurance policy may wind up signiFicantly lower than the cost of paying interest only, let alone the principal, accountant, and attorney fees during the 14year installment period. Asa business owner, overcoming obstacles is part of the everyday routine. Quite possibly, one of the toughest . challenges lies ahead—paying estate taxes. That’s why it’s crucial to understand that IRC Section 6166 does not provide a means to pay estate taxes. It merely shifts the burden to another generation. By cusjpniizing a strategy that Fits your needs, you can protect the business and your family’s Financial future. For more information on business continuation strategies, please write care of P.O. Box 430, Nappanee, Indiana 46550. Please be sure to consult your tax and legal advisors prior to making any decisions.

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