46 THE QUEENS COURIER • COPING WITH DEATH • MARCH 3, 2016 FOR BREAKING NEWS VISIT www.qns.com coping with death Why wills matter Everyone needs and should have a will. A will is a legal declaration of how a person s wishes his or her possessions to be disposed of after death. Wills make sure that the antique jewelry which belonged to a beloved grandmother will be passed on to a daughter or that college will be possible for a grandson or that one’s favorite charity will receive funds to continue its good work. If you die without a will, your possessions and property will be distributed only among your family members; perhaps not exactly the way you want. New York State law will make these determinations – not you. No charities or friends would benefi t. Many other legal complications may arise after a person dies “intestate” or without a will. Some of them can be costly and lead to an unnecessary tax burden on your estate or family. Many people believe that a will is only necessary when there is a signifi cant amount of money, valuables and property to be distributed after death to loved ones, children, families, friends and charities. Nothing could be further from the truth. Even a person with a limited amount of money or property should have a will. How does one go about making a will? The fi rst thing to do is to list all your assets and then decide whom you want to share these assets. You will also need to think about a “personal representative” or “executor” who will carry out the provisions of your will. Most experts caution against drafting your own will without using professional legal advice. Even though the “will” forms available on the internet or at an offi ce supply store look impressive, they may omit an essential requirement. It is all right to use these forms for a draft of your will, but it is best to call an attorney and make an appointment to discuss the fi nal draft of your will. Many attorneys are willing to quote prices over the telephone so be sure to discuss fees in advance. Many offer a free or low-cost fi rst consultation. A copy of your will along with any funeral arrangements you have made should be kept in a safe place where family or a close friend can have access to the information when needed. A safe deposit box is sealed immediately after the death notice is published, so it is not recommended for storing instructions for funeral arrangements, wills or insurance documents. If you do not have a personal attorney, call the New York State Bar Association’s Lawyer Referral Service at 1-800-342-3661. You can request a comprehensive report on Wills and Living Trusts by writing: AARP, 601 E Street, NW, Washington, DC 20049. Reprinted with the permission of the New York State Funeral Directors Association. AFFORDABLE CREMATION SERVICES of New York Our mission at Affordable Cremation Services of New York is • To provide the public with a Cremation Service that is simple and dignified. • To operate a cremation service that is committed to maintaining standards of care and ethics that the public can trust. • To be fair, honest, and professional with every family, offering them an alternative to traditional funeral service. • To provide only simple cremation services in keeping with families wishes. • To lessen the financial burden to the customer and being dedicated to their satisfaction. • To demonstrate ease of service by allowing people to make both “at need and pre need” arrangements in a simple straight forward way either online or in person. BENEFITS OF PLANNING AHEAD Planning your funeral arrangements in advance can offer you and your family a number of benefits: Emotional Benefits • Peace of Mind – Your wishes will be carried out exactly as you want • A Sense of Accomplishment – You’ll feel good knowing that these arrangements have been taken care of • Fewer Family Concerns – Your surviving family members will have less to worry about in the event of your death Financial Benefits • The Prepayment Option – When you prepay, your family doesn’t bare the financial burden. Our staff will explain each payment option • Your Family Keeps More – When you prepay, your estate will owe nothing on funeral expenses. More of your assets and life ins proceeds will go directly to your family • Fewer Last-minute Expenses – When you plan in advance, your family is less likely to incur additional expenses at the time of the funeral. AFFORDABLE CREMATION SERVICES of New York 130 Carleton Avenue, Central Islip, NY 11722 Tel: (516) 546-4626 Fax: (631) 588-9126 www.AffordableCremationServicesNewYork.com
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