How business, doctors and journalists prey on your food anxieties I

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0 VISA U .S.A. !na 199 I 0 ~ V111 ' X611 k I I 21 : 1110 a COURSE PREPARES THEM FOR LIFE. loin the other <strong>business</strong>es that are helpin5 thous<strong>and</strong>s of students learn the financial facti of life . In today`s economy, kids need to know how to sttrvive financially . That's why thev need you to join the other concerned <strong>business</strong>es that have already donated Choices a Decisions to nearLy l0,OC0 gh schooL . Developed with <strong>and</strong> endorsed by consumer affairs expens, `Choices & Decisio :L : Taking Charge o[ Your Life" is an interactive, multimedia camcul.um that teaches kids the importance of [inanciai planning, budgeting <strong>and</strong> decision-making . popular with the bus :ness community because it offers the opportunity to help young people become financially fit consumers . So, if you want to give teens somethfng of value, call 1-800-235-3580 to find out more about the Choices & Decisions program . The program has been "Choices 6 Deslons teaches the value of goat fi.rwnciai management skitls, an imporcant addiriort to every studen['s caniculum .' -Jehn A . wArd tti, Exe< .uuN e 4icz Resident, Chau Manttattut Bant
I a,va I , ol ~,l I ~1 I ~ ; 1 Trusts can keep others from knowing what you have while you're alive, <strong>and</strong> whom you leave it to when you die . retired professor Hawley . It makes a lot of seuse for older people who \could like to Ieaw charitable bequests <strong>and</strong> novvhold appreciated securities or real estate thcN'd deariv love to cash in to btp' bonds for income . If thee do it in their own name, capital gains taxes vv'ill take a big bite <strong>and</strong> leave them that much less to liv-c on . You transfer assets to a trust that nan :es vou as income beneficiarv <strong>and</strong> one or more charities as rentainder benct]- ciaries . The trustee, who could be v1ou, sells the assets with no capital gain tax consequences, <strong>and</strong> plows the proceeds into income-producing investmen[s . When vnu die, [Ite principal goes to the charities . You get an immediate income tax deduction equal to the remainder interest you are gi\ing away . That's catcutated from oour expected lifcspan <strong>and</strong> the lecel of the income parout you Will be taking . Here's the beauty part : You get a full exemption from capital gain taxes even though the income interest you are caning out tixrourself may represent a large share of the trust's total value . Then there's the kir!die tr-iut, used to timd vour children's college tuition . The tax benetit, until the childis 14, is fairlv small,since all but S 1,300 of income earued by the trust is taxed at vour rate .After that age all the i ncome goes on the child's return . This kind of trust competes nith dle simpler e .\pedient of opening a Uniform Gifts to hlinors Act account for the child . With au eGt.tA, howe\er, the kid gets the moner, no strings attached, when he hits ?1 (18 in some stnres) . There's nothing to stop him from using it to join a commune, bua a tanc .~ car or indulge a drug habit. With a n'ust document Vou can specit ;'that if the monevisn't used for tuition it goes [o charitv . What ifv'ourdiild alreadr has a pile of moner in an t'cst.,L <strong>and</strong> cou vcant to lock it uu in a n-ust? For novv .Vou're stuck . l4hen lie rraches majoritr, cou can ask him to coluntarily sign du asscts orer to a u'ust . Some parents vv°ant a trust to trceze monabevond the age of majorinto age 30 . If that's vchat cou vvant, uu either havc to tbrgo the $ 10,000 gift tax exdtision or ;-ive the child a 3tl-davvvindovvofoppornminto get at tLe moner as soon-as lie reaches adulthood . dssumine lie cmi resist the tempmtion for that inten-al, the trust can close aeain for anv numbcr of vears . Let's sae you urc reada to open a trust . Now mhaN ifvott need aNen, simple knd of trust <strong>and</strong> ha\'e no famile complications (like a divorce or stepchildren), vou might tny to draft the trust document v'ourself . Aolo Press in Berke,ev' . Calif. publishcs a book f .Llrske Your Ownt Lirintl Trust. S20 ) <strong>and</strong> a computer program ( LirisLa Trur .'vlaker 2 .0, 5801 with sample trusts to copv, . Other do-it-vourself hooics'. <strong>How</strong> to Aroid Pro6ate (HarpcrCollins, S25 ) <strong>and</strong> The Nnn-Lrnrvrrs Lfning Trust Kit jlpha Publications of America . S 1~ 1 . <strong>How</strong>ever, most people aould be better oftpaving the 51,000 to 53,000 it vvill take to ltav'e a lavv1er draft the papers . With a Iiring ttltst, v-ou'11 need to transfer assets into it . A general statement on a trust schedtle t'egarding "pcrsonal property <strong>and</strong> household tilruishings" Wi11 suffice to transfer items like clothes, books <strong>and</strong> je«eln . For things witit title documenrs-eal estate, bank accounts, securitiosqotrll hav'e to prep .ve nesc ovvnership papers, explains Ideal vehicle for holding title to real estate outside your home state : a revocable living trust . 172 Porbes RAugust 14, 1995 http://legacy.library.ucsf.edu/tid/agf97d00/pdf
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The "FlieQerchronogjaph" from IWC .
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ForbesS GUBUST 14. 1995 • VOLUME
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M1i How Many Peopl
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t~a +\ ir,f ressi,e\~ f~er, . Your
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Sarah knows a lot about diabetes .
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`Surprise me . Give me more power t
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Bangkok . . . The beet of both worl
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The disaster cane as no ereat surpr
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Mazda presents a new take on the ol
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"With ail thy getting get underst<s
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ery fifty-6ce minutes Old Faithful
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Other Comments Waffling Away the Ti
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There's a lot than you pro VISION.
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Commentary on events at home <stron
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One of the largest teams at the Oly
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ie niercern.visenr SL-Class . For m
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_ THE STOCK MARKET WILL CRASH ,500
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Rogers and Cronk d
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ket . They're reluctant but hase li
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~ear, cellular operators, dri%en bv
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Remember your first time driving al
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I Toshiba Multimedia /100, 0 sA1
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I ~ , I SOUNDS SO REAL, PEOPLE WILL
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Using phony invoices, importers are
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ADVERTISEMENT 2 THE SKYTEL U .S . C
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ADVERTISEMENT 4 The Golf Club of Ge
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under par, matched a $3,000 first-p
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Riviera Country Club, Pacijc Palisa
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ADb'ER'TISESiEVf 12 T H E S O U T H
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ADVERTISEMENT 14 The other Pilgrim'
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Wvnstone Golf Club, North Barringto
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ADVERTISEMENT 18 and</stron
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ADVERTISEMENT 20 The Creek Club . L
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WE CAN GIVE YOU VIRTUALLY EVERYTHIN
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204G6"13338 BUSINESS REPLY MAIL FIR
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One of the great success stories of
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ADVERTISEiv1E:VT I he son of a free
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Innkeeper Henry Silverman has hundr
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i i i Patel, Inc. Patel), whose com
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Mylan Laboratories Making tablets i
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OUR FINANCIAL SIDLLS HELPED ONE COL
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IN voVATWE PROJECT FiNANciNG FOR A
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"With the Optra line, Lexmark has e
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A D V E R T I g E M E N T C DAEWOO
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The relationship between father <st
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Daewoo Sells Solutions 11 r(,o o& E
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Page 147 and 148: . SPECIAL ADVERTISING SUPPLEMENT P
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