European Stars And Stripes (Newspaper) - February 13, 1981, Darmstadt, Hesse                                February 1981 the stars and stripes Page 19 by Mary Nom should be a must where theres a will theres a Way and where there int sometimes theres almost no Way to Settle an estate promptly without costly Richard Deputy staff judge advocate can cite instances to prove that every one not just the breadwinner should have one and one that takes All contingencies into for take the Case of a childless couple who died following an automobile the husband had willed his estate to his though her death was within minutes of technically the estate had passed on to her and since there were no her relatives alone had claim on his family was left out in the a will also can be important for those who come from Community property in those the husband or wife property does not automatically go to the other Lee Points since it is possible to have a will drawn up at no Cost by a Legal assistance it is said that not All military families do yet a lot Lee goes on to Point out that when there Are children it is even More important to have a the will should spell out who should provide care in Case they Are Lee believes it is a Good idea to split the responsibility Between two sources one in charge of the the other in charge of everyday decisions such As the guardian providing daily care can be chosen on the basis of that sort of the fiduciary or person entrusted with handling the finances should be one with deep no Lack of that said if there is a dispute about the handling of the upon reaching 21 the child can sue with a Chance of really recovering he advises the appointment of a when a will is made out to a the wife would draw a monthly sum with the rest kept in Trust to be drawn upon for special a medium sized Bank in the Midwest could be a Good said you dont generally find them investing in something off the Wall like uranium Lee said the Cost of such service int it might run around a year for an estate of to advising on such things As payment of mortgages the right kind of banker trustee can help in other smaller Lee recalls the Case of an air Force who found she needed a she went to a couple of dealers and finally settled on a Plain four door Sedan for when she went to withdraw the Money at the Bank where a Trust had been set the banker questioned the said he told let me Check around and see if i cant get a better he did and was Able to find an almost identical car for just before settling on a Lee advises writing a num Ber of Banks about their service How much is is there an acceptance can it be Are there any Trust Laws Peculiar to that state that should be consid ered one clue As to the Type of service you can expect will be the promptness of the answer to your Legal assistance officers can probably give advice on where to direct such they also can advise on Legal ways to avoid a tax bite on property to be having a will also can prevent the Cost of having an estate go through probate this can be a costly and time consuming he said that probate court generally costs about 6 percent of the value of the estate and takes about 18 protecting those w hat happens if you lose one of those new automatic Bank cards you the one that works the Banks magic Money machine or if the cards stolen How much Money would you be responsible for if someone else used the card heres the according to Federal from the consumer information Center in if you notify the Bank within two working Days that the card is your liability is if you neglect to notify the Bank until More than two Days have you could be liable for up to the today Rule also applies to other electronic Transfer one system now used in the involves using a card that looks like a charge but instead of getting a Bill when you buy the computer transfers the Money directly from your account to the the rules usually apply to direct Transfer of funds from your checking or savings account to pay whether the Money is sent automatically or you have to authorize the Transfer Over the if you have any of these the Bank has Given you a secret code usually on a separate piece of dont keep the card and the code in the same then if someone does take the they will not be Able to use so that you can notify the Bank quickly if you should lose the make sure you have the Telephone number Handy for reporting the keep a list of the card numbers so you can give those to the Bank when you and make sure you read your monthly statement As soon As it that you can protect yourself from loss because of theft or to learn More about electronic Transfer of you can Send for a free copy of a Federal Reserve Board Booklet Alice in write to the consumer information besides the you will receive a free copy of the consumer information Catalon which lists More than 200 free and Low Cost Federal consumer the Catalon is published and bubbles dont mix phones and bathtubs dont go that the word from the German Telephone com the company noted that at the end of the a German to Magazine published a photo of the Star of a current television the Glamour girl was sitting in a decked out with nothing More than a few soap bubbles and a Telephone receive but what happened then asked the Telephone Compa was the Star hit by a Bolt of electricity and her Telephone Call broken off according to the Telephone company that exactly what could happen because making Calls while bathing is much More dangerous than most people if the Telephone lines Are hit by a Strong current of voltage can in extreme the cur rent going through the Telephone can reach beyond 200 that Means danger to life and limb in a the Telephone company Points out that a phone located in a dry room can handle a Strong electrical not so in a wet for such users Are advised to install special phones developed for Protection in a Damp the Telephone company ends its warning by stating Ruf Doch Mal an make that Telephone Call but not from the on the latest cars the department of transportation has published the car Book in an Effort to increase consumer awareness of the safest and bes performing the 68page Booklet is divided into chapters As follows purchasing the cars Are put into classes according to size and compared in terms of fuel and insurance for exam the cars that either passed or failed crash tests Are the safety the Booklet describes what happens in a cites historical fatality rates of various car and evaluates child seats and safety the fuel Economy this chapter explains How fuel Economy is affected by such factors As transmit Axle air trim pack and Power options such As Power the maintenance costs for water two front Brake fuel and preventive maintenance Are the insurance the car Book compares cars on the basis of How they fare in collisions and whether this is reflected in their insurance the information Given in this chapter is for 1980 the complaint this chapter stresses the importance of keeping accurate records As a first step in helping resolve other Steps Are discussed presenting problems to a complaint handling panel contacting better business private consumer and action line reporters bringing suit against a or repair facility in a Small claims court and talking with a the used car this chapter lists significant safety recalls of Domestic cars by Model year and gives advice on finding a Safe and dependable used the buyers for comparison the buyers which is included in this is designed to make shopping it lists questions buy ers should ask to help them evaluate a cars safety and convenience and it also shows them How to determine the Cost of buying and owning a particular car taxes and registration optional and financing the car Book lists 1 Federal agencies with automobile programs and a description of the Type of work that each Agency performs with addresses and Telephone numbers 2 the names and addresses of the presidents of the major automobile companies and 3 government and Industry publications dealing with car and for a free copy write to the car consumer information