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Show 16 SPRINGVILLE HERALD Thursday, January 10,2008 ake a will before it's too late Jason Alderman You'd never want to compound your loved ones' misery should you become seriously ill or die, but that's exactly what might happen if you haven't adequately planned for your future care and the distribution of your possessions. Fewer than half of Americans have drafted a will, and fewer still possess a living will or durable powers of attorney attor-ney for health care and finances. Do you think you haven't enough money mon-ey to worry, about a will or other end-of-life documents? docu-ments? Think again. Even those with very modest assets need to plan in advance or risk leaving their family and friends Wedding Decor 1 Backdrops, Lighting, Centerpieces, Linens j Call Crystal Adams 801340 j par? Ijmmm That means that you can call on me to fill your needs with the coverage you want and at the lowest possible cost. Farmers Insurance Group specialtees in Auto, Fire, life and Commercial insurance and is famous for fast, fair, friendly claims service. I'd like to meet you. Why not give me a call today. I think you'll be glad you did. Karen Snow 25 East 200 South Springville, UT (801) 489-8000 with a legal nightmare to sort out. Here are several documents docu-ments to consider, depending de-pending on your age, health, financial situation and family status: A will. This document states how your assets should be distributed after af-ter death. Without a valid will, everything usually goes to your surviving spouse, children or other relatives, while friends, charities or other organizations organi-zations will get nothing. Basically, the state will decide, despite your preferences. pref-erences. Do-it-yourself will kits are available, though if trusts, complex estates or large amounts of money mon-ey are involved, consider using an attorney who specializes in estate law to draw up the will. A few other important considerations: Before assigning an executor, make sure that person is up to the task. Name an alternate executor, ex-ecutor, in case something happens to the primary. Make sure your will agrees with any ben eficiary forms you've signed for retirement plans, IRAs, life insurance insur-ance policies and other oth-er assets. Often, those forms will take legal precedence. This is especially espe-cially critical if you've divorced, di-vorced, remarried or had additional children and never changed beneficiaries. beneficia-ries. Financial durable pow-' er of attorney. This document docu-ment specifies who will have the legal authority to pay your bills, manage man-age assets and conduct other financial matters if you become incapacitated incapaci-tated and are unable to do so yourself. If sibling rivalry might become a factor, consider a trusted friend, financial advisor or bank trust department. depart-ment. Health care durable power of attorney (health care proxy). This document docu-ment assigns someone to make medical decisions for you if you're unable. Make sure you assign someone who would closely follow your wishes wish-es and can make tough decisions. Living will. Also called a health care directive, this document tells doctors doc-tors your wishes regarding regard-ing which medical treatments treat-ments and life-support procedures you do or don't want. Have your doctor put a copy in your medical file. With all of these documents, docu-ments, make sure you sign and date them properly prop-erly and have them witnessed wit-nessed and notarized, when appropriate. Create a master file with these and other important documents doc-uments and tell your kids where it is. Documents might include birth and marriage certificates, employment, military-and military-and tax records, bank and investment accounts, real estate and automobile automo-bile titles, medical and insurance policies, contact con-tact information for your doctors, lawyer and financial fi-nancial advisor. Consider stashing a back-up copy in a safe deposit box. There are dozens of variations on these and other legal documents you should know about. AARP (www.aarp. orgfamilieslegalis-sues) orgfamilieslegalis-sues) provides detailed information, including an extensive glossary of legal terms. Another good resource is Practical Practi-cal Money Skills for Life, a free personal financial management site created by Visa, which features information on many issues is-sues related to elder care and financial planning Nobody wants to think about their own mortality, mortal-ity, but you can spare your family a lot of grief in the future by planning now. Jason Alderman directs di-rects Visa's financial education programs. To sign up for a free monthly month-ly personal finance e-Newsletter, e-Newsletter, go to www. practicalmoney skills, comnewsletter. We all live with the objective ob-jective of being happy; our lives arer all different and yet the same. -Anne Frank 4t UNTIED HEKJW3F. Mutual Life Insurance Company ROBERT E.AVERETT General Agent Bus. (801) 489-6313 Cell (801) 372-6051 1815 East Center St. P.O. Box 336 Springville, UT 84663 A -a-... . . Licensed rr,m:vT f ' 801-367-4437 "LLLiiiilLi 1 Insured I 435-623-4606 fijgjr K : K Y uMMMMMMJ i in JoliEisofi fire 489-5521 61 0 N. Main - Springville We accept all competitors coupons on service work! NUW 1 .Alignments -Mufflers 1 OPEN 1 -Brakes .Emissions SATURDAYS1 ,June-uPs -Inspections puiUKUAYd, .starters -Custom Wheels l , j .Radiators Alternators o TLaw Office fi of CHRISTOPHER K. 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