Issue link: http://www.epageflip.net/i/742749
The Diverse World of Salvias, A Genus Well Traveled will be presented by John Whittlesey of Can- yon Creek Nursery and De- sign at the Friends of the Chico State Herbarium Annual Meeting at 5 p.m. Saturday, Oct. 29. Everyone is invited to a reception with snacks to view the native plant photo display 3-4 p.m. in the Herbarium, 129 Holt Hall, and join the annual meeting from 4-5 p.m. in Holt 170 before Whittle- sey's talk. CHICOSTATE Presentationonsalvias planned at herbarium It's been at least 20 years since my husband and I sat in an attorney's office for hours, slog- ging through dozens of questions and giving answers re- garding our minor chil- dren, the ti- tle on our home, where we wanted to be buried. Some of this we found humorous because we were young. But we did it and months later be- came the proud owners of a Family Trust and Estate Plan. That baby cost nearly $2,500. And now it's out of date and out of state, too. We needed to do that, and I'm grateful we did. Just this morning, Jenny reminded me that we need to do it again. Dear Mary: I'm 50 years old. I'm married and have two adult children. I do not have a will, and know that I should. Our finan- cial life is not complicated. Can I put faith in a sim- ple will done by one of the large online companies, or is it in my family's best in- terest to hire a lawyer? I have read your work for many years, and I appreci- ate your advice. Thank you. — Jenny Dear Jenny: Thank you for putting your trust in me. That's something I value highly. My quick an- swer is, you absolutely need a will, and yes, there are online sources in which you can put your faith be- cause they offer reliable information and direc- tion. Does that preclude the need to hire an attor- ney? I cannot advise you on that because every sit- uation is different. What I can tell you is the online source I recommend is an excellent option that will protect you in the interim — the time between to- day and when you actually meet with an attorney, if you elect to do that. Either way, this will help you get all of your information and desires down on paper and in order. TheBigFive There are five legal doc- uments every adult needs to have. Each one needs to be signed, dated, notarized as necessary and kept in a safe place that someone else knows about and can retrieve on a moment's no- tice. This is not optional. If you have read this far, don't stop now. No. 1. Living Will. Also called an Advanced Direc- tive, this states what you want to happen with re- spect to extraordinary measures to keep you alive should you become termi- nal or permanently uncon- scious. No. 2. Healthcare Power of Attorney. You need to name someone who would make medical decisions on your behalf if you cannot make them yourself. Name up to five people, in succes- sive order, so there is some- where there who can make these decisions for you. No. 3. Durable Power of Attorney. This is the doc- ument in which you des- ignate one or more people to handle the financial as- pects of your life should you become temporarily or permanently unable to do so due to mental or physi- cal incapacitation. Simple tasks include getting your mail, filing your income tax return, filing for Medi- care or Social Security or changing the beneficiary information on a life insur- ance policy. No. 4. Will. If you have minor children, this is where you will name their guardians should you pass. Your will regards the assets you hold in your name only and names the person who will handle those assets in your stead should you pass away (such as if your estate were to go to probate), also known as your executor. No. 5. Revocable Trust. This document avoids the probate court process when someone becomes in- capacitated or dies. It does other things as well, but that is the most important aspect. Some states recognize what is called a "holo- graphic will," if you want to just scribble some- thing on a napkin and call it done. But I would not recommend that! What a nightmare you would leave for your family that could lead to horrendous costs. Instead, I recom- mend Quicken WillMaker Plus 2016 from Nolo Press, a highly regarded and rep- utable online legal site spe- cializing in helping ordi- nary folks like you and me handle our own basic legal needs. Quicken WillMaker Plus 2016 includes dozens of forms beyond the Big Five including practical forms you can use every day to help run your home and keep your family safe, au- thorizations and agree- ments, promissory notes, limited powers of attorney, and child and elder care forms. It is compatible with the laws in every U.S. state (ex- cept Louisiana and U.S. Territories). And boy is it easy to use. You can down- load this program tonight for $55 and customize your full estate plan in the pri- vacy of your own home be- fore tomorrow morning. And you can depend on the documents to be properly prepared, completely legal and simple to use. NOTE: Quicken Will- Maker Plus 2016 is not Mac-compatible. Please use Nolo's Online Will if you have a Mac. Wouldyouliketosend a tip to Mary? You can email her at mary@ everydaycheapskate. com, or write to Everyday Cheapskate, 12340 Seal Beach Blvd., Ste. B-416, Seal Beach, CA 90740. EVERYDAY CHEAPSKATE Five legal documents every adult needs CONTRIBUTEDPHOTO Dye Creek Canyon. The Shasta Symphony Orchestra will celebrate the fall season with two concerts on Saturday, Oct. 29, including a kid-friendly performance with orches- tra members in costume, both performances in the Shasta College Theater. The orchestra will play music from films, ballets and more during a Fam- ily Concert in Costume 11- 11:45 a.m. Alaskan violinist Bryan Hall will perform. Pre-concert activities start at 10:30 a.m. and include face painting and other family-friendly actives. Admission is $5 per per- son, and attendees are en- couraged to come in cos- tume. The orchestra will re- turn at 7:30 p.m. for a for- mal concert titled "From Tragedy to Triumph," fea- turing Brahms' dramatic Tragic Overture and Tchai- kovsky's Sleeping Beauty Suite. Hall will be the vio- lin soloist on Philip Glass's masterful First Violin Con- certo. Tickets are $5 for students with ID; $8 for se- niors; and $10 general ad- mission. For more informa- tion or to purchase tickets online, visit shastasym- phony.org. The Shasta Symphony Orchestra is a cooperative ensemble of Shasta College and Simpson University. Music director and con- ductor Dr. Dwayne Corbin is associate professor of in- strumental music at Simp- son. For more information about Simpson Universi- ty's Music Department, visit simpsonu.edu/music. To learn about upcoming concerts, visit simpsonu. edu/musicevents. SHASTA SYMPHONY Two fall concerts planned for Saturday The Nature Conservancy willbeofferingthreeguided hikes through Dye Creek Canyon, 9 a.m. to 1 p.m. Nov. 5 and 26 and Dec. 4. This four-and-one-half- milehikefollowsthecourse of Dye Creek, which cuts through volcanic buttes, hills and blue oak wood- lands. Enjoy the fall col- ors and occasional wild- life sightings in this pris- tine streamside corridor while learning about the preserve's natural and hu- man history. Participants should have a good level of fitness and agility to traverse a run- ning creek and navigate ar- eas of steep, rocky terrain. Hikes are led by The Na- ture Conservancy's knowl- edgeable docents. Bring supportive foot- wear, water, a snack and binoculars; dogs are not allowed. Space is limited so book your spot early. For Dye Creek hike reserva- tions or more information, write to Scott Hardage at shardage@tnc.org. NATURE CONSERVANCY Dye Creek Canyon guided hikes offered Mary Hunt Findusonline! 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