aavvyvy S avy niororeniioor io by Jim Miller Important Legal Documents All Seniors Should Have Dear Savvy Senior, What kinds of legal documents do I need to prepare to help my family after I’m gone? I would like to get my aff airs in order but could use some help. Almost 75 Dear Almost, All adults – especially seniors – should have at least four essential legal documents to protect yourself and your family. These documents will make sure your wishes regarding your estate are legal and clear and will help minimize any confl icts and confusion with your family and your health care providers if you become seriously ill or when you die. Here are the key documents you need, along with some tips to help you create them. Will: This document lets you spell out your wishes of how you’d like your property and assets distributed after you die, whether it’s to family, friends or a charity. It also allows you to designate an executor to ensure your wishes are carried out and allows you to name guardians if you have dependent children. In addition to a will, if you own real estate or have considerable assets, another option you may want to consider is a “revocable living trust.” This functions like a will but allows your estate to avoid the time and expense of probate (the public legal process that examines your estate after you die) and helps ensure your estate’s privacy. Durable Power of Attorney: This allows you to designate someone you trust to handle your fi nancial matters if you become incapacitated. Advanced Health Care Directive: This includes two documents that spell out your wishes regarding your end-of-life medical treatment. The two documents are a “living will” which tells your doctor what kind of care you want to receive if you become incapacitated, and a “health care power of attorney” (or health care proxy), which names a person you authorize to make medical decisions on your behalf if you’re unable. You should also consider making a do-not-resuscitate order (DNR) as part of your advance directive, since advanced directives do little to protect you from unwanted emergency care like CPR. To create a DNR, ask your doctor to fi ll out a state appropriate form and sign it. Do-It-Yourself If you have a simple estate and an uncomplicated family situation, there are do-it-yourself resources that can help you create all these documents for very little money. Some options to consider include Quicken WillMaker & Trust 2020 software (available at Nolo.com) that costs $90 and works with Windows and Macs and is valid in every state except Louisiana. And LegalZoom.com, which off ers an estate plan with professional legal guidance with an independent attorney for $179. Get Help If, however, you want or need assistance or if you have a complicated fi nancial situation, blended family or have considerable assets, you should hire an attorney. An experienced lawyer can make sure you cover all your bases – especially when writing a will or living trust – which can help avoid family confusion and squabbles after you’re gone. Costs will vary depending on where you reside, but you can expect to pay somewhere between $500 and $2,000 for a basic estate plan that includes a will, power of attorney and advance directive. If you want your estate plan to include a living trust, that can run anywhere between $1,500 and $5,000. The National Academy of Elder Law Attorneys (NAELA.org) and the National Association of Estate Planners and Councils (NAEPC.org) are two good resources that have directories on their websites to help you fi nd someone in your area. If money is tight, check with your state’s bar association (see www.FindLegalHelp.org) to fi nd low-cost legal help in your area. Or call the Eldercare Locater at 800-677-1116 for a referral. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. 8 S. Kelley 9 W. Johnson 10 J. Dicks THE MALDEN ADVOCATE–Friday, March 13, 2020 BASKETBALL | FROM PAGE 10 Page 15 Name 1 D. Philippe 2 J. Dorcena 3 Y. Kerany 4 C. Moulain 5 J. Davila 6 A. Beshah 7 J. Crocker Top SCORERS (Min. 8 Games) Games Team Sonics Sonics Hawks Bullets Sonics Pistons Kings X = Wasn’t Listed Last Week Celtics Lakers Lakers 12 10 13 12 14 12 11 11 9 9 Avg. 22.2 20.4 19.8 19.3 19.1 19 18.5 16.9 16 15.9 Last week 1 2 4 3 5 6 7 8 9 10 *Yousef Kerany of the Hawks wins the Errico award for Top Free Throw shooter & receives $100 or plays for free next season. Sat., March 14 Favored 1:15 2:30 3:45 1:15 2:45 3:15 3:45 Playoff s (1 Game Elimination) Celtics vs Bullets Sonics vs Hawks Coaches Practice Sun., March 15 All Stars vs Coaches 3 Pt. Contest Hot Shot Contest Championship Game —Info submitted by Glenn Higgins, MNBL Booster, former Coach for 26 years, League Statman, Writer 1986 - Celtics 1987 - Sonics 1988 - Bullets 1989 - Hawks 1990 - Lakers 1991 - Hawks 1992 - Hawks 1993 - Celtics 1994 - Sixers 1995 - Hawks TRIO | FROM PAGE 10 dre Chiefs of Malden and Medford in the Intercity League in the summers, also knocked in a run with a one-for-four day in a 13-4 win over Emerson College at St. John’s Prep fi eld in Danvers on Tuesday. The big third baseman is now hitting .250 with a team-high eight RBIs through the fi rst four games, where FSU has compiled a 2-2 overall record. Former Golden Tornadoes’ Sam Steed selected for Intercity League Hall of Fame Andre Chiefs of Medford and Malden manager Chuck Andre will be inducted The doors of the Intercity Baseball League Hall of Fame will swing open again on Friday, May 29 with its biennial banquet and induction ceremony. This year’s Champions of the Past – * = Undefeated 1996 - Celtics 1997 - Sixers 1998 - Pistons 1999 - Sonics 2000 - Celtics 2001 - Kings 2002 - Sonics 2003 - Pistons 2004 - Bullets 2005 - Lakers 2006 - Bullets 2007 - Celtics 2008 - Sixers 2009 - Pistons 2012 - Celtics 2013 - Pistons* 2014 - Sonics* 2015 - Hawks event is being held at Anthony’s (105 Canal St., Malden). Included among the 16 inductees are former MHS and University of Tampa standout Sam Steed and Andre Chiefs of Medford and Malden manager Chuck Andre. Steed played two decades in the Intercity League for two former Malden-based teams, including Cremone’s A’s, and then went on to the Lexington Blue Sox. He is a 1987 MHS graduate, leading the team to the MIAA Division 1 North Final that season, where he went a perfect 8-0 on the mound. Steed then went on to pitch for University of Tampa, where he helped Tampa to two back-to-back NCAA Division II National Baseball Championships in 1992 and 1993. Andre has spent the past 30 years as manager of the Andre Chiefs, one of the most successful ICL franchises in the league’s history, with seven championships in his span as manager. He was also a standout pitcher for Boston College and Medford High, where he is a member of the Mustang Hall of Fame. Following are this year’s inductees. Chuck Andre – Chiefs; Dave Ellegood – Merchants; Peter Ferrari – Blue Sox; Don January – Umpire; Tommy Haugh – Blue Sox; Mike Kalfopolous – Rams, Chiefs & Americans; Sammy Steed – A’s & Blue Sox; Cary McConnell – Chiefs & A’s; John Gnieski – Mustangs; Dave Martin – Guinness, Americans, Chiefs & Reds; John Veneziano – Chiefs; Jerry Tabler – Peter Fuller & Chiefs; Gary Kiel – Chiefs & Rams; Dave Vigliotti – A’s; Peter Albano – Somerville & Rams; John “Pancho” Webb – Mustangs & Chiefs. For ticket information contact Event Chairman Orazio Azzarello at (617) 839-6843. 2016 - Kings 2017 - Sonics 2018 - Bullets 2019 - Kings 2010 - Hawks* 2020 - ? 2011 - Hawks* All Stars +5 Celtics +25 Hawks +10
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