12
Mountain View News Saturday, July 22, 2023
SENIOR HAPPENINGS
HAPPY BIRTHDAY! …JULY Birthdays*
Nina Bartolai, Mary Lou Caldwell, Louise Neiby, Betty Hansen, Melinda
Rogers , Christine Durfort, Shahrzad Azrani, Jeanne Borgedahl, Janet Cox,
Dorothy Montgomery, Bess Pancoska, Janet Swanson, Barbara Watson, Pat
Alcorn, Karma Bell, Alice Clark, and Betty Dos Remedios, Bonnie Diener
Jan Greteman, Linda Heller
* To add your name to this distinguished list, please call the paper at 626.355.2737. YEAR
of birth not required
SENIOR CLUB Every Saturday at Noon Hart Park House
Open to all seniors 50+ Fun - Games - And More! Call Mark at 626-355-3951
TEA AND TALK BOOK CLUB
Wednesday, 7/12 and 7/26 9:00 am Hart Park House
Tea and Talk, meets twice a month to discuss the fun, suspense, intrigue, love and so
much more that each selection will have in store! Call Lawren 626-355-5278 for
current selection and feel free to join at any time.
HULA AND POLYNESIAN DANCE
BEGINNERS - Every Thursday 10-11:00 am
INTERMEDIATE Every Friday 10-11:00 am
Bring a lei, your flower skirt or just your desire to dance! Hula in the Park is back and
waiting for you to join in on all the fun! Memorial Park Covered Pavilion.
CHAIR YOGA
Every Monday and Wednesday 10-10:45 am
Please join us for some gentle stretching, yoga, balance exercise and overall relaxation
with Paul. Classes are ongoing and held in the Memorial Park Covered Pavilion or the
Hart Park House.
HOW TO PLAN A GREEN FUNERAL
Dear Savvy Senior:
What can you tell me about green funeral options?
At age 80, I would like to pre-plan my funeral and
make it as natural as possible.
Old Environmentalist
Dear Environmentalist:
Great question! Green funeral options are becoming
increasingly popular in the United States as
more and more Americans are looking for environmentally
friendly alternatives to traditional funerals.
Here’s what you should know about “green
burial” and “green cremation” options, along with
some tips to help you locate services in your area.
Green Burial
If you wish to be buried, a green/natural burial will
minimize the environmental impact by forgoing
the embalming chemicals (which is not required
by law), traditional casket and concrete vault. Instead,
you’ll be buried in either a biodegradable
container or shroud with no vault, and you won’t
be embalmed. This allows the body to decompose
naturally and become part of the earth.
If you want to temporarily preserve the body for
viewing or a memorial service, instead of embalming,
you can request dry ice or Techni ice, a refrigeration
unit, or a nontoxic embalming agent.
You’ll also be happy to know that green burials
are much cheaper than traditional funerals, which
average around $8,000 in 2023. By scrapping the
coffin, vault and embalming, which are expensive,
you’ll save yourself several thousand dollars on
your funeral costs.
To find green burial services in your area, a good
first step is to see if there’s a certified green funeral
home in your area and contact them. The Green
Burial Council offers an online directory of providers
and other resources at GreenBurialCouncil.org.
If there isn’t one nearby, your next step is to contact
several traditional funeral homes to see if they offer
green funeral service options – many do.
You’ll also need to find a green cemetery. There are
nearly 100 green cemeteries throughout the U.S.,
along with more than 300 traditional (hybrid) cemeteries
that offer green burials too. To find them,
the New Hampshire Funeral Resources, Education
and Advocacy website has a list at NHfuneral.
org. Or, if you own rural property you may be able
to have a home burial there, if your state and county
allow it.
If, however, there are no green cemeteries nearby
you can still make your burial more environmentally
friendly by not being embalmed. And, if the
cemetery al-lows, using a biodegradable casket or
shroud and skipping the vault. If a vault is required,
ask to have holes drilled in the bottom, or use a concrete
grave box with an open bottom so the body
can return to the earth.
Green Cremation
If you would rather be cremated, you have some
green choices here too. While cremation has always
been touted as being more eco-friendly than a typical
burial, a traditional cremation, which uses high
heat to incinerate the body, does emit greenhouse
gases into the air.
A green cremation, however, uses water and potassium
hydroxide to reduce a deceased body to its
basic element of bone ash within a few hours. This
green technique, which is known as alkaline hydrolysis,
is a little more expensive than traditional
cremation but, unfortunately, it’s not legal in every
state. Contact some local funeral providers to find
out if this is available in your area, or Google “alkaline
hydrolysis cremation” followed by your city
and state.
Another green consideration is deciding what to do
with the remains. Instead of scattering, which can
be harmful to the environment, there are a wide
variety of biodegradable urns that dissolve into the
earth or water over time, and memori-al urns that
will grow a plant or tree in combination with your
ashes.
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.
OUT TO PASTOR
A Weekly Religion Column by Rev. James Snyder
AS IF I REALLY COULD
Have you ever had the
feeling that you've been
hoodwinked? You can't
point out the specifics,
but something deep inside suggests you
have been.
The Gracious Mistress of the Parsonage
and I had a wonderful vacation at St. Augustine,
one of our favorite places to go.
Something happened toward the end of
our vacation that led me to suspect I was
hoodwinked, but I couldn't unwind the
situation yet. The toilet in our bathroom
had clogged, and The Gracious Mistress
of the Parsonage went to the front desk to
get a plunger.
She brought the plunger back to our
room and for several minutes tried fixing
our toilet. I heard her in there working
on it, but she didn't seem to be able to fix
it, which surprised me.
I walked by the bathroom, looked in, and
said something stupid, "Can I help you
with that?"
The problem with that question was the
response from my wife. "Yes, you can.
Come in here and see if you can unplug
the toilet." I had no expectation of fixing
this problem; I just wanted to sound
friendly. After a few severe plunges, all of
a sudden, the toilet was unplugged and
working perfectly.
Looking at me, my wife said, "Wow, you
fixed it. You did a great job." Not realizing
or noticing the hoodwinked element
of what she was saying, I smiled and responded,
"I'm so glad I could help."
Driving home the next day, she mentioned
several times that she was truly
grateful for the wonderful job I did with
the toilet. After an hour of driving and
listening, I sensed something was wrong.
I could not put my fingers on it, but I felt
something was wrong somewhere in the
atmosphere I was living in.
We returned from our trip, unpacked,
and returned to our routine. The next
day about the middle of the morning,
The Gracious Mistress of the Parsonage
came to my office and said, "I was wondering,
could you come and help me with
something?"
A leg on one of her tables needed to be
replaced, and she could not unscrew the
bolt that held it together.
Looking at me, she said, "Do you think
you could unscrew that bolt for me?"
I have screwed up many things, but very
few have I unscrewed. So I picked up
the wrench, and after several minutes of
struggling, I finally got it loose. I smiled
at my wife and said, "There you are, my
dear." Then I walked back to my office.
For the next several days, she called me to
help her fix something, and most of them
I could not fix. Maybe I can unscrew a
screw or a bolt, but that's the extent of my
fix-it ability.
At supper that night, she smiled at me
and said, "I still can't get over how you
fixed that toilet on our vacation."
As she smiled at me, I saw some twinkle
in her eye that caused me to think something
was amiss. I'm not skilled in the
hoodwinking business, but I was beginning
to think that the Gracious Mistress
of the Parsonage was. She is excellent in
many things, and I'm beginning to understand
that if any-body can hoodwink
me, it is her.
Am I being hoodwinked? And if so, what
do I do about it? I had to think this thing
through in developing a plan that would
work. She can see through many things,
so I had to develop something to the far
right of her seeing ability.
I devised a plan but did not think I could
go through with it. After all, there would
be a lot of plot-ting and, eventually, a
drop or two of blood. But it might be
worth it if I do it correctly.
Not too long after, she called on me for
another fix-it project. I had gone over
this plot in my mind 100 times and was
hoping it would work.
She appeared at the door of my office
one morning and asked, "Can you help
me fix something? I've been working on
it all morning. I just cannot get it right."
Then she flashed a smile at me. I flashed
a smile back and followed her to her latest
fix-it project. She had a dresser on the
back porch she was trying to fix. One
drawer was stuck, and she could not get
the screw out to enable the drawer to
come out.
She handed me the screwdriver and said,
"I just can't get that screw out."
I sighed very deeply because I knew that
it was now or never. I bent over with the
screwdriver to be a little bit out of her
sight, and as I was working on the screw,
I pinched my left thumb so that it would
start to bleed, and then I yelled, "Ouch."
I turned around and showed her my
bloodied thumb, and boy, was it paining.
She looked at me rather frightened and
said, "Come with me to the bathroom,
and I'll fix your thumb." Some things are
worth it.
I couldn’t help but think of a verse in the
Bible, “For it is better, if the will of God
be so, that ye suffer for well doing, than
for evil doing” (1 Peter 3:17).
Sometimes it is better not to correct
something but rather “suffer for well doing.”
I’m still trying to learn that.
Dr. James L. Snyder lives in Ocala, FL
with the Gracious Mistress of the Parsonage.
E-mail jamessnyder51@gmail.
com, website www.jamessnyderministries.
com.
FAMILY MATTERS
By Marc Garlett
ESTATE PLANNING PITFALLS - 3 MISTAKES THAT
YOU MAKE YOUR ESTATE PLAN WORTHLESS!
Including a Trust as part
of your estate plan is a
smart decision. It allows
you to avoid probate,
maintain privacy, and distribute your assets to your
loved ones while also allowing you to provide them with
a lifetime of asset protection. But, here’s the thing you
might not know, and is critically important to remember:
simply creating a Trust is not enough. For your Trust to
work, it must be funded properly and may need to be updated
over time.
Funding your Trust means transferring ownership of
your assets from your own name into the name of your
Trust. This can include bank accounts, investments, real
estate, and other valuable possessions.
By funding your trust properly, you ensure your assets
are managed according to the terms of your Trust and
will be distributed according to your wishes when you die
or if you become incapacitated.
But, if you fail to fund your Trust, it becomes nothing
more than an empty vessel. Your assets will not be protected
or distributed as intended, at least partially defeating
the purpose of creating a Trust in the first place!
While your assets may still be able to get into your trust
and be governed by your Trust after your death, that
means your family must go to court to get your assets
there, and that is a costly endeavor.
To make sure your Trust works for you, avoid these funding
fiascos and work with an attorney who will ensure
everything that needs to get into your Trust does.
1. Forgetting to Update Your Account Beneficiaries
Many people mistakenly believe that a Will or Trust
alone is enough to dictate how their financial accounts
should be distributed after they die. However, this isn’t
the case. Without proper beneficiary designations on
your accounts, your wishes may not be honored, and
your assets could end up in the wrong hands.
Remember, the beneficiaries you designate on your accounts
supersede any instructions in your Will or Trust,
so this step is vitally important.
Take a moment to review your various accounts, such as
bank accounts, retirement plans, and life insurance policies.
Ensure know your designated beneficiary and understand
the why for that designation.
When you are working with a lawyer, make sure your
lawyer has a plan for each one of your beneficiary-designated
assets, communicates that plan to you, and that
the two of you decide who will handle updating your beneficiary
designations. Then, make sure you review your
beneficiary designations at least every three years, if not
annually.
2. Your Attorney Didn’t Move Your Home into
Your Trust
For many of us, our home is our most important and
valuable asset. But if your attorney doesn’t deed your
home into your Trust, your home won’t be included under
the terms of your Trust if you become incapacitated
or pass away.
That means your home could end up going through the
long and expensive probate court process in order to be
managed during an illness or passed on to your loved
ones after you die. If you own a $500,000 home, that
means your family could lose up to $25,000 or more just
to transfer your home to your trust and then distribute
your home pursuant to the terms of the trust - and that’s
not including any other assets that would have to go
through probate.
A knowledgeable estate planning attorney shouldn’t miss
this step, but it does happen. And if you’re using a DIY
service online to create a Trust without the help of any
attorney at all, it’s almost guaranteed to happen!
That’s why it’s so important to work with a lawyer who
takes the time to make sure every asset you own is in your
Trust before they say their farewells.
3. Not Reviewing Your Plan and Accounts
Regularly
You might wonder how not reviewing your estate plan
every few years could really make your plan worthless.
Well, the good news is that failing to review your plan is
unlikely to completely eliminate the benefits it provides
you with because an estate plan is made up of a number
of moving parts, not just a Will or a Trust.
But, failing to keep your financial assets up to date and
aligned with your estate plan can result in huge issues for
you and your family and can even make the Trust you invested
in worth little more than the paper it’s printed on!
That’s because your Trust can’t control any assets that
don’t have the Trust listed as the owner or beneficiary.
By reviewing your accounts at least every 3 years, you can
help catch any accounts that don’t have your Trust listed
in this way.
For example, it’s very common for clients to open a new
bank account and forget to open the account in the name
of their Trust or add their Trust as a beneficiary.
Thankfully, by comparing your financial accounts to
your estate plan at least every 3 years, you’ll able to catch
simple oversights like this that could cause your assets to
be completely left out of your Trust.
Make Sure All of Your Assets Are Included in Your Plan
with Help from Your Lawyer
Getting your legal documents in place is an important
step, but it's equally important to know that the documents
themselves are not magic solutions (as magical
as they may seem!). Merely creating a Trust or naming
beneficiaries on your accounts does not guarantee your
wishes will be carried out unless all the pieces of your
plan are coordinated to work together.
And if you aren’t experienced in estate planning, trying
to coordinate all these pieces yourself can be a recipe for
disaster.
That’s why I work closely with my clients to not only create
documents but to create a comprehensive plan that
accounts for all their assets and how each one needs to
be titled to make sure the plan works exactly the way it’s
intended.
I recommend that before anyone engages an attorney to
help with their estate plan, they ask that attorney what
processes they have in place to ensure all client assets
are included in the plan. If they don’t have a specific
process or can’t clearly explain it to you, find someone
else or risk wasting your time and money on a plan likely
to cost your family dearly. There are good attorneys out
there who understand this and incorporate it into their
practice. Make sure you’ve found one before signing any
engagement agreement.
To your health, wealth, and family legacy,
Marc Garlett, Esq.
Cali Law Family Legacy Matters
www.caliLaw.com
626.355.4000
This material was created for educational and informational purposes only
and is not intended as ERISA, tax, legal, or investment advice. If you are seeking
legal or other advice specific to your needs, such advice services must be
obtained on your own, separate from this educational material.
Mountain Views News 80 W Sierra Madre Blvd. No. 327 Sierra Madre, Ca. 91024 Office: 626.355.2737 Fax: 626.609.3285 Email: editor@mtnviewsnews.com Website: www.mtnviewsnews.com
|