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The Law Serves You Physician " Earns Honors How Can I? PAGE 9-PLAINDEALER-FRIDAY, OCTOBER 13, 19/2 At Convocation Proper Estate Planning Is The Only Way To Go You're interested in taking care of your family's future to the best of your ability? If that is the case, the Illinois State Bar association urges you to start planning your "state - now. Estate planning begins with the not-too-difficult process of identifying and evaluating your assets - house, car, insurance, profit sharing, pension plan, Social Security, any in­ vestments and what have you - to determine how well you are providing for your family and what you can do to improve the situation, if need be. The ISBA stresses the do-it- now importance of estate planning because lawyers are all too familiar with the disastrous results of procrastination « waiting for a more convenient time that never comes. The bar group cites one case - one of many - that illustrates the point: "For years John and Mary ran a highly profitable restaurant in the Midwest. They accumulated a nest egg which they planned to use for retirement. John died sud­ denly. It was discovered that he had (1) failed to leave a will, (2) neglected to register the business name of the restaurant propertly, and (3) failed to establish legally that his wife was his partner. "As a result, Mary had to engage in litigation to regain her rights to the business name and take other steps to set her affairs in order." There are so many Johns and Marys that estates totaling in the millions of dollars for which no will or other plan was made directing distribution, pile up in probate courts across the country every week. The courts must determine who shall receive the property according to state laws. What is true for married persons, of course, is equally true for the single or widowed persons. The fact is, estates of single persons or those without children are particularly vulnerable to the capriciousness of the law, however fair state laws of descent and property distribution try to be. Take the example of a widow who had no children and no will. She remarried, then died while packing her bags for a wedding trip. Her husband of a few days inherited her entire estate. Had she made a will • the simplest estate plan there is - she would have certainly provided for a niece and nephew with whom she was very close. They got nothing because Illinois law says*the entire estate of a childless person goes to the surviving spouse if the deceased leaves no will . v The basic objectives of an estate plan are to determine a goal for the financial security of your family, structure your estate to achieve this goal, designate the recipients of your estate and minimize the effect of state inheritance taxes and~ federal estate taxes. A first step in estate planning may be to draw up a memorandum which can serve as a basis of ( icussion and decision by you and your at­ torney. He will want to establish certain facts. For example, in the case of a husband and wife, he will want to know what, if any property is held in joint tenancy. Under joint tenancy ownership, a surviving tenant automatic­ ally is invested with a deceased tenant's interest in the property. Often, however, couples believe they own property as joint tenant when actually it is in the name of one spouse only. The memorandum may in­ clude a schedule of assets, how they are held and their gross and net value. The attorney will analyze your assets, your wishes as to these assets and suggest alternative methods for conveying them to your beneficiaries when the time comes, together with the tax consequences. Life insurance can be an important consideration in the estate plan. Especially while children are young and educational and other expenses are high, life insurance may be the backbone of an estate. It should be coordinated with other assets, such as death benefits or income payments froni pension plans, Social Security and any other income- producing assets, so that a certain level of financial security is maintained in relation to probable need. Finally, the estate plan should be kept up-to-date. If a POETS CORNER (Dedicated to tne current problems of the Senior Citizens.) THE TAXES One nuthatch whispered to another, Things must be pretty thin, I was just down to the feeder, And there's nothing in the bin. The other nuthatch whispered They must still be in shock, To pay this year's taxes, The family jewels are in hock. Even the skeeters are grumbling Never saw people so tight, When it's dark in the evening Nobody puts on the light. The grey squirrels are sure worried, Not many acorns this year, And that Waukegan Greek has forecast A cold, snowy winter is near. Maybe after November 7th and An understanding team may win, Retired folks can get relief, Unburden the fix they're in. George Pittner AS THE LEAVES, LEAVE THE TREES What are they saying As they fall to the ground? Where do they go? What do they know? Where they can be found God only knows As the leaves leave the trees. What is the wild wind saying As it blows the leaves off the tree? The arms of the tree, now it can be seen As they look up to the sky. As if to say'4 Why is it time to say goodbye". As the leaves leave the trees. The leaves are swaying in the breeze And are ever so bold As the sun gleams through and brightens The beautiful colors of yellow and gold. God only knows where they go, what they know As the leaves leave the trees. Henry W. Cieslak -UP HUSTLER'S ~ We Have The Tools . . . Facilities. . . Parts ... And Evinrude Factory Trained Personnel To Handle " foe Job. See Us Today For Our . . ' PRE-SEASON LOW RATES ./ PRE-SE SPORT CENTER Evinrude Outboard Sales - Service 4016 Crystal Lake Rd. McHenry, 815-385-4848 DR.S.L. RUGGERO Dr. Santo L. Ruggero, Wonder Lake, recerttly at­ tended formal convocation ceremonies at Madison Square Garden in New York City where he was awarded a fellowship and became a Diplomat of the American Board of Family Practitioners. Almost 5,000 physicians from all over the United States, 280 from the state of Illinois, had completed the required 600 s or more post worK^TiFlaimttyjpEa^fite^ which entitled them to a fellowship in the American Academy of Family Practice. To attain the position of Diplomat of the American Board of Family Practice, or Specialist in Family Practice, Dr. Ruggero, in addition to the required post graduate work, also passed rigorous three-day board examinations involving all aspects of medicine con­ cerned with family practice. Doctor Ruggero has been a practicing physician and surgeon in Wonder Lake for the past twenty-two years. He is presently chief of staff at Memorial Hospital for McHenry County, Woodstock. by Anne Ashley Q. How can I add a professional touch to my freshly-laundered tablecloths? A. Press the center crease only. All other folds are best made by hand, since ironed creases don't lie flat on the table. Q. How can I avoid-undue waste of chocolate when melting it9 A. Much of the chocolate is wasted when it sticks to the bottom of the container. This can be avoided if the container is thoroughly greased before the chocolate is put into it. Q. How can I keep my cof­ feepot sweet and clean inside? A. Sprinkle some salt into the coffeepot and rub well with a damp cloth. Rinse with boiling water. Q. How can I remove grease spots from woolens or silk? A. Rub a little talcum powder over the spot and, after allowing this to stand for a day or two, brush it off with a stiff brush. Q. How can I clean oil-stained concrete garage floors? A. Sprinkle some sal sc concentrate liberaUy^-erf^tne floor, dampenj&isf^htly with water^alte^vlostand overnight, "scrub with water and hose it off. SERVICE NEWS Living on a small income isn't too difficult, unless you spend too much to keep it a secret. baby is born, a house or other property is bought or sold, or benefits of a declining term life insurance policy are getting too low for comfort, all of these factors should be taken into account and adjustments made. McHENRY'S ROGER LUDWIG TOM KNAACK mm GEORGE LOSSMAN RRY ISAACS These 4 offensive players have been selected Players of the Week for their performances against Dundee. Running backs Ludwig and Knaack each gained over 100 yards rushing; Center George Lossman went all the way at offensive center; and kicker Larry Isaacs converted 5 extra points and a field goal in the 38-20 victory. TRU-VALUE PHARMACY 1327 N. Riverside Dr. McHenry Q. How can I prevent puckering when stitching sheer and stiff fabrics, such as taf­ feta? A. Place an inch wide strip of paper under the seamline while stitching, and stitch through the entire thing. After your seam is finished, the paper will tear away quite easily. Q. How can I avoid the for­ mation of scum over my custards? A. While the custard is hot and before you put it into the refrigerator to chill, cover with waxed paper or a plastic bowl cover. This will prevent that skin formation on top. Q. How can I remove fingernail polish or airplane glue from fabrics? A. If you use fingernail polish remover on the opposite side of the material the polish or glue usually peels off readily. Q. How can I clean finger­ marks off furniture? A. With a cloth saturated with olive oil. When applying wax polish, use just as little as possible, and rub until you get the surface free of film If you do this, your furniture will increase in loveliness and luster. Q. What is a good homemade solution for cleaning painted walls? A. Combine two ounces of borax, one teaspoon of am­ monia, and two quarts of water. You'll need no soap. Apply with a soft cloth. Q. How can I repair a mirror that has acquired a scratch in the coating on its back? A. By smoothing a piece of aluminum foil over the back of the mirror, a piece the size of the scratch, then coating over this with plain shellac. GARYW. ERICKSEN Coast Guard Seaman Ap­ prentice Gary W. Ericksen, son of Mr. and Mrs. Richard W. Ericksen of 1808 S. Fernwood, McHenry, graduated from basic training at the Coast Guard Training center at Cape" May, N.J. 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