peace of mind 2015
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2D ...........................................................................................................THE STATE SATURDAY JULY 25 2015
Peace
Mind
BM
is a special advertising supplement of
Sara Johnson Borton
President & Publisher
Bernie Heller Vice President of Advertising
Bryan Osborn
Vice President of Digital
Kathy Allen
Director of Marketing
Rebekah Lewis Hall
Special Projects Coordinator
• Memories are as important as mon-ey. Don't leave it to adult children to di-
vide personalitems. These decisionscancause more fights than dividing money.Have an opendiscussion about personalitems, then make a nonbinding wish listand attach it to your will or living trustto giveyour childrensome guidance.
• Recognizethat equal is notnecessar-ilyfair. If onechild has been a caregiverandyour intentionis to givethe caregiv-er a larger share of the assets, tell yourchildrennow.
• The executor or successor trustee
decision is critical. Don't just appointthe eldest child. Discuss this issue withall your children, and explain your rea-sons.
• Never assume your children will want to inherit something or are able toinherit it. One child, for example, may not want to inherit and run a family
business.• Never assume your second spouse
will protect the children of your first
marriage.• Organization is critical. Make a list
of all your accounts,assets and the loca-tionof keys to safe-deposit boxes. Other-
wise, some assets might never be foundor distributed.
• You don’t have to have an attorney prepare your will, though an experi-enced lawyer could provide advice onestate-planning strategies suchas livingtrusts. Do-it-yourself will kits are wide-ly available.
• Estate planners discourage joint wills, and some states don’t recognize
them. You and your spouse are unlikely to die at the same time, and you proba- bly have some property that isn’t jointly held.
• Anyone can serve as your witness, but you should choose someone whoisn’t a beneficiary ‒ a disinterested wit-ness. The attorney who dras a willshould not be the witness. South Caroli-na requires twowitnesses.
• South Carolina requires that wills
be written, but holographic wills (thosethat are handwritten and unwitnessed)
arenot recognized.• A spouse, adult child or trusted
friend can serve as an executor. If youraffairs are complicated, though, it may make more sense for an attorney toserve asexecutor. Be sure thewordingof
your will empowers the executor to pay your bills and deal with debt collectors.
• Probate courts usually require theoriginal will before they can process
your estate, so it’s important to keep thedocument safe but accessible. A water-
proof, fireproof safe in your house is agood place to store it. Your attorney orsomeone you trust should keep signedcopies.
• Review your will aer major lifechanges, such as marriage, divorce, the
birthof a child, thedeath of a beneficiary or executor, a significant purchase, etc.
SOURCES: LesKotzer andBarryFish,authors of “The Family Fight: Planningto AvoidIt”; aarp.org; Living Trust Network
Planning your estate andwriting yourwill
Funeral flowers A few flowers associated with remembering loved ones
SOURCES:The Old Farmer’sAlmanac, LanguageOfFlowers.com
Forget-me-notssignify remembrance.
Primrosessay, “Ican’t live without you.”
Vetchessay,“Iclingto you.”
Redpoppiesoffer consolation.
Sweet peas canrepresentdeparture.
MCT file photos
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SATURDAY JULY 25 2015 THE STATE ..................................................................................................... 3D
Peace. comfort. trust.Our Trenholm Road and Colonial Chapelsproudly serve the Midland’s families with
care, compassion and convenience.
Experience The Advantage Of A Family-Owned Funeral Home
7600 Trenholm Road Ext. | 5202 Colonial Drive
803.754.6290 | ShivesFuneralHome.com
Randolph ShivesOwner
WestColumbia
200 State StreetWest Columbia, SC
Lexington
4720 Augusta RoadLexington, SC
Greenlawn
845 Leesburg RoadColumbia, SC
Hewasour hero!
Dad’s service to our country is something we’re all
proud of. He made a difference and set a great
example for all of us. Now, it’s our turn to honor thesacrifices he made for his family…and his country.
As Veteran’s funeral specialists, it’s a privilege for
Thompson Funeral Homes to help celebrate Dad’s
one-of-a-kind life and recognize his patriotic service
in a special way.
When youneedus,
We’re here for you.
(803) 220-2717 www.thompsonsfuneral.com/peace
Remember
When...Dad beamedwith pride?
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4D ...........................................................................................................THE STATE SATURDAY JULY 25 2015
For generations, thousands haveplaced their trust in the Dunbar, Caugh-man and Harman families in their timeof need. As part of the Dignity Memo-rial Network, Caughman-Harman andDunbar funeral homes stand ready tooffer your family superior service andexclusive benefits when you need them
the most.TheDignity Network consists of more
than2,500 funeral, cemetery and crema-tion providers across the country. Weoffer benefits like theCompassion Help-line. With the Compassion Helpline you
andyour family andfriends have accessto licensed professionals, 24 hours aday, seven daysper week. This exclusiveservice is complimentary and free of charge to any family using any Dignity Memorial Provider.
The staff at each location dedicatesthemselves to serving families in what
is likely the most devastating times intheirlives with compassion, respect anddignity.
We work with families to help createunique, memorable tributes because we
believe that each service should reflect
the special qualities of the individual you are honoring. Our commitment toexceptional services encompasses a va-riety of functions, including personal-ized services, military honors, catering,doverelease and monument sales.
All of our services are designed tohelp our client families through one of
the most personal and challenging stag-es of life. We understand losing a lovedone is an emotional and difficult experi-ence, and we are committed to helpingour client families with compassionate,professional and personal service.
Today, we are a proud member of theDignityMemorialNetwork of morethan1,800 funeral, cremation and cemetery service providers. When you choosea Dignity Memorial provider, you notonlyreceivethe compassionatecare youexpect from a locally operated establish-ment, but also the value you deserve
from the largest and most trusted net- work of funeral, cremation and memori-alization providers.
Please contact us if you need immedi-ate assistance, of if you would like moreinformation aboutour services.
BEREAVED FAMILIES TRUSTDUNBAR AND
CAUGHMAN-HARMAN FUNERAL HOMES
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SATURDAY JULY 25 2015 THE STATE ..................................................................................................... 5D
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SATURDAY JULY 25 2015 THE STATE ..................................................................................................... 7D
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8D ...........................................................................................................THE STATE SATURDAY JULY 25 2015
Put Your Confidence in Temples-Halloranto Handle Your Loved One’s Funeral Service
5400 Bush River Rd.• Columbia •803.772.1231 www.templeshalloranfuneralhome.com
Jeff Temples, John Halloran & Christy Sturkie are trusted names in the Midlands.They along with the dedicated staff at Temples-Halloran have over 60 years
of combined experience serving the families of the SC Midlands.
Experienced. Professional. Compassionate.
Jeff Temples
John Halloran
Christy Sturkie
BUSH RIVER MEMORIAL GARDENS
4645 Hard Scrabble Rd., Columbia, SC 29229
788-3334
www.kornegayandmoseley.com
914 Meeting Street, West Columbia, SC 29169
(803) 794-1743Family owned & Locally Operated
w ww.moseleyfuneralservice.com
Greg, Melanie, Claire & Eva Moseley
Thoughtful services at a thoughtful priceTraditional Funeral Service with Casket $5,295
Excludes cash advances i.e. death certificate, obituary, and sales tax Cremation Services $995
Price Includes: Staff, Local Transportation, Cremation Fee