Peace of Mind 2015
Content
2D
...........................................................................................................THE STATE
Peace
of
Mind
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
SATURDAY JULY 25 2015
Planning your estate and writing your will
• Memories are as important as money. Don't leave it to adult children to divide personal items. These decisions can
cause more fights than dividing money.
Have an open discussion about personal
items, then make a nonbinding wish list
and attach it to your will or living trust
to give your children some guidance.
• Recognize that equal is not necessarily fair. If one child has been a caregiver
and your intention is to give the caregiver a larger share of the assets, tell your
children now.
• The executor or successor trustee
decision is critical. Don't just appoint
the eldest child. Discuss this issue with
all your children, and explain your reasons.
• Never assume your children will
want to inherit something or are able to
inherit 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 location of keys to safe-deposit boxes. Otherwise, some assets might never be found
or distributed.
• You don’t have to have an attorney
prepare your will, though an experienced lawyer could provide advice on
estate-planning strategies such as living
trusts. Do-it-yourself will kits are widely 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 probably have some property that isn’t jointly
held.
• Anyone can serve as your witness,
but you should choose someone who
isn’t a beneficiary ‒ a disinterested witness. The attorney who drafts a will
should not be the witness. South Carolina requires two witnesses.
• South Carolina requires that wills
be written, but holographic wills (those
that are handwritten and unwitnessed)
are not recognized.
• A spouse, adult child or trusted
friend can serve as an executor. If your
affairs are complicated, though, it may
make more sense for an attorney to
serve as executor. Be sure the wording of
your will empowers the executor to pay
your bills and deal with debt collectors.
• Probate courts usually require the
original will before they can process
your estate, so it’s important to keep the
document safe but accessible. A waterproof, fireproof safe in your house is a
good place to store it. Your attorney or
someone you trust should keep signed
copies.
• Review your will after major life
changes, such as marriage, divorce, the
birth of a child, the death of a beneficiary
or executor, a significant purchase, etc.
SOURCES: Les Kotzer and Barry Fish,
authors of “The Family Fight: Planning to
Avoid It”; aarp.org; Living Trust Network
Funeral flowers
A few flowers associated with remembering loved ones
Forget-menots signify
remembrance.
Primroses
say, “I
can’t live
without
you.”
Red poppies offer consolation.
Vetches
say, “I
cling to
you.”
MCT file photos
SOURCES: The Old Farmer’s Almanac, LanguageOfFlowers.com
Sweet
peas can
represent
departure.
SATURDAY JULY 25 2015
THE STATE .....................................................................................................
Remember
When...
Dad
beamed
with pride?
P eace. comfort. trust.
Our Trenholm Road and Colonial Chapels
proudly serve the Midland’s families with
care, compassion and convenience.
Randolph Shives
Owner
He was our 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 the
sacrifices 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 you need us,
We’re here for you.
West Columbia
200 State Street
West Columbia, SC
Lexington
4720 Augusta Road
Lexington, SC
Greenlawn
845 Leesburg Road
Columbia, SC
(803) 220-2717 www.thompsonsfuneral.com/peace
Experience The Advantage Of A Family-Owned Funeral Home
7600 Trenholm Road Ext. | 5202 Colonial Drive
803.754.6290 | ShivesFuneralHome.com
3D
4D
...........................................................................................................THE STATE
SATURDAY JULY 25 2015
BEREAVED FAMILIES TRUST DUNBAR AND
CAUGHMAN-HARMAN FUNERAL HOMES
For generations, thousands have
placed their trust in the Dunbar, Caughman and Harman families in their time
of need. As part of the Dignity Memorial Network, Caughman-Harman and
Dunbar funeral homes stand ready to
offer your family superior service and
exclusive benefits when you need them
the most.
The Dignity Network consists of more
than 2,500 funeral, cemetery and cremation providers across the country. We
offer benefits like the Compassion Helpline. With the Compassion Helpline you
and your family and friends have access
to licensed professionals, 24 hours a
day, seven days per week. This exclusive
service is complimentary and free of
charge to any family using any Dignity
Memorial Provider.
The staff at each location dedicates
themselves to serving families in what
is likely the most devastating times in
their lives with compassion, respect and
dignity.
We work with families to help create
unique, memorable tributes because we
believe that each service should reflect
the special qualities of the individual
you are honoring. Our commitment to
exceptional services encompasses a variety of functions, including personalized services, military honors, catering,
dove release and monument sales.
All of our services are designed to
help our client families through one of
the most personal and challenging stages of life. We understand losing a loved
one is an emotional and difficult experience, and we are committed to helping
our client families with compassionate,
professional and personal service.
Today, we are a proud member of the
Dignity Memorial Network of more than
1,800 funeral, cremation and cemetery
service providers. When you choose
a Dignity Memorial provider, you not
only receive the compassionate care you
expect from a locally operated establishment, but also the value you deserve
from the largest and most trusted network of funeral, cremation and memorialization providers.
Please contact us if you need immediate assistance, of if you would like more
information about our services.
SATURDAY JULY 25 2015
THE STATE .....................................................................................................
5D
6D
...........................................................................................................THE STATE
SATURDAY JULY 25 2015
SATURDAY JULY 25 2015
THE STATE .....................................................................................................
7D
8D
...........................................................................................................THE STATE
SATURDAY JULY 25 2015
Experienced. Professional. Compassionate.
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.
Jeff Temples
BUSH RIVER MEMORIAL GARDENS
John Halloran
Put Your Confidence in Temples-Halloran
to Handle Your Loved One’s Funeral Service
5400 Bush River Rd.• Columbia •803.772.1231
www.templeshalloranfuneralhome.com
914 Meeting Street, West Columbia, SC 29169
Christy Sturkie
4645 Hard Scrabble Rd., Columbia, SC 29229
(803) 794-1743
788-3334
Family owned & Locally Operated
w ww.moseleyfuneralservice.com
www.kornegayandmoseley.com
Greg, Melanie, Claire & Eva Moseley
Thoughtful services at a thoughtful price
Traditional 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
...........................................................................................................THE STATE
Peace
of
Mind
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
SATURDAY JULY 25 2015
Planning your estate and writing your will
• Memories are as important as money. Don't leave it to adult children to divide personal items. These decisions can
cause more fights than dividing money.
Have an open discussion about personal
items, then make a nonbinding wish list
and attach it to your will or living trust
to give your children some guidance.
• Recognize that equal is not necessarily fair. If one child has been a caregiver
and your intention is to give the caregiver a larger share of the assets, tell your
children now.
• The executor or successor trustee
decision is critical. Don't just appoint
the eldest child. Discuss this issue with
all your children, and explain your reasons.
• Never assume your children will
want to inherit something or are able to
inherit 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 location of keys to safe-deposit boxes. Otherwise, some assets might never be found
or distributed.
• You don’t have to have an attorney
prepare your will, though an experienced lawyer could provide advice on
estate-planning strategies such as living
trusts. Do-it-yourself will kits are widely 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 probably have some property that isn’t jointly
held.
• Anyone can serve as your witness,
but you should choose someone who
isn’t a beneficiary ‒ a disinterested witness. The attorney who drafts a will
should not be the witness. South Carolina requires two witnesses.
• South Carolina requires that wills
be written, but holographic wills (those
that are handwritten and unwitnessed)
are not recognized.
• A spouse, adult child or trusted
friend can serve as an executor. If your
affairs are complicated, though, it may
make more sense for an attorney to
serve as executor. Be sure the wording of
your will empowers the executor to pay
your bills and deal with debt collectors.
• Probate courts usually require the
original will before they can process
your estate, so it’s important to keep the
document safe but accessible. A waterproof, fireproof safe in your house is a
good place to store it. Your attorney or
someone you trust should keep signed
copies.
• Review your will after major life
changes, such as marriage, divorce, the
birth of a child, the death of a beneficiary
or executor, a significant purchase, etc.
SOURCES: Les Kotzer and Barry Fish,
authors of “The Family Fight: Planning to
Avoid It”; aarp.org; Living Trust Network
Funeral flowers
A few flowers associated with remembering loved ones
Forget-menots signify
remembrance.
Primroses
say, “I
can’t live
without
you.”
Red poppies offer consolation.
Vetches
say, “I
cling to
you.”
MCT file photos
SOURCES: The Old Farmer’s Almanac, LanguageOfFlowers.com
Sweet
peas can
represent
departure.
SATURDAY JULY 25 2015
THE STATE .....................................................................................................
Remember
When...
Dad
beamed
with pride?
P eace. comfort. trust.
Our Trenholm Road and Colonial Chapels
proudly serve the Midland’s families with
care, compassion and convenience.
Randolph Shives
Owner
He was our 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 the
sacrifices 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 you need us,
We’re here for you.
West Columbia
200 State Street
West Columbia, SC
Lexington
4720 Augusta Road
Lexington, SC
Greenlawn
845 Leesburg Road
Columbia, SC
(803) 220-2717 www.thompsonsfuneral.com/peace
Experience The Advantage Of A Family-Owned Funeral Home
7600 Trenholm Road Ext. | 5202 Colonial Drive
803.754.6290 | ShivesFuneralHome.com
3D
4D
...........................................................................................................THE STATE
SATURDAY JULY 25 2015
BEREAVED FAMILIES TRUST DUNBAR AND
CAUGHMAN-HARMAN FUNERAL HOMES
For generations, thousands have
placed their trust in the Dunbar, Caughman and Harman families in their time
of need. As part of the Dignity Memorial Network, Caughman-Harman and
Dunbar funeral homes stand ready to
offer your family superior service and
exclusive benefits when you need them
the most.
The Dignity Network consists of more
than 2,500 funeral, cemetery and cremation providers across the country. We
offer benefits like the Compassion Helpline. With the Compassion Helpline you
and your family and friends have access
to licensed professionals, 24 hours a
day, seven days per week. This exclusive
service is complimentary and free of
charge to any family using any Dignity
Memorial Provider.
The staff at each location dedicates
themselves to serving families in what
is likely the most devastating times in
their lives with compassion, respect and
dignity.
We work with families to help create
unique, memorable tributes because we
believe that each service should reflect
the special qualities of the individual
you are honoring. Our commitment to
exceptional services encompasses a variety of functions, including personalized services, military honors, catering,
dove release and monument sales.
All of our services are designed to
help our client families through one of
the most personal and challenging stages of life. We understand losing a loved
one is an emotional and difficult experience, and we are committed to helping
our client families with compassionate,
professional and personal service.
Today, we are a proud member of the
Dignity Memorial Network of more than
1,800 funeral, cremation and cemetery
service providers. When you choose
a Dignity Memorial provider, you not
only receive the compassionate care you
expect from a locally operated establishment, but also the value you deserve
from the largest and most trusted network of funeral, cremation and memorialization providers.
Please contact us if you need immediate assistance, of if you would like more
information about our services.
SATURDAY JULY 25 2015
THE STATE .....................................................................................................
5D
6D
...........................................................................................................THE STATE
SATURDAY JULY 25 2015
SATURDAY JULY 25 2015
THE STATE .....................................................................................................
7D
8D
...........................................................................................................THE STATE
SATURDAY JULY 25 2015
Experienced. Professional. Compassionate.
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.
Jeff Temples
BUSH RIVER MEMORIAL GARDENS
John Halloran
Put Your Confidence in Temples-Halloran
to Handle Your Loved One’s Funeral Service
5400 Bush River Rd.• Columbia •803.772.1231
www.templeshalloranfuneralhome.com
914 Meeting Street, West Columbia, SC 29169
Christy Sturkie
4645 Hard Scrabble Rd., Columbia, SC 29229
(803) 794-1743
788-3334
Family owned & Locally Operated
w ww.moseleyfuneralservice.com
www.kornegayandmoseley.com
Greg, Melanie, Claire & Eva Moseley
Thoughtful services at a thoughtful price
Traditional 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
