PAX Centurion - Fall 2017

Page 58 • PAX CENTURION • Fall 2017 617-989-BPPA (2772) Sports trivia… From Sports Trivia Questions on page 56 1. The San Francisco 49ers scored 55 points in Super Bowl XXIV. 2. The Cleveland Indians lost in theWorld Series in 1995 to the Atlanta Braves and in 1997 to the Florida Marlins. 3. The longest current playoff drought by an NFL team is 16 seasons, a mark held by the Buffalo Bills. 4. The record for most consecutive seasons making the playoffs in the NFL is nine held by the Dallas Cowboys, 1975-1983 and the Indianapolis Colts, 2002-2010. 5. The Cincinnati Bengals last one a playoff game in 1990 which is the longest victory drought in NFL history. 6. Phil Esposito of the Bruins was the first NHL player to score 100 points in a season when he scored 126 points during the 1968-69 season. 7. The LosAngeles Kings drafted Billerica native and baseball Hall of Famer TomGlavine in the 1984 NHL entry draft. 8. German bom and current Dallas Maverick Dirk Nowitski leads all foreign bom players in scoring in NBA history. 9. The longest current playoff drought in Major League Baseball is 16 seasons a mark held by the Seattle Mariners. 10. There are 336 dimples on a regulation golf ball. By Jane Bryant Quinn, AARP.org/Bulletin BPPA Retired Patrolmen’s Division News Directors of the Retired Patrolmen’s Division of the BPPA: John Murphy David Mackin Joe Vannelli Billy Flippin Don’t need a will? Think again… Just do it. Your heirs will thank you! D oes everybody need aWill? The straight answer is yes. That’s true even for people who think they don’t have a dime to leave to anyone. What if you were in an accident and died later of injuries, and your estate won a $l million settlement?Who gets the money? Admittedly, that’s a little far out.You might get away without having a will if, say, you’re a renter living on Social Security with no savings. If you have savings, a pay-on-death account will pass that money to named beneficiaries when you die. But there are hitches to any no-will scheme, says attorney Patrick Lamon of Bilzin Sumberg in Miami. To begin with, a random financ. al asset almost always turns up. Examples might be a rental deposit that’s returned or a medical reimbursement. Those checks will be made out to the deceased. How do your heirs get them cashed? If you had a will, you’d have named an executor to cash checks, pay off creditors and distribute any money or property to your beneficiaries. Without one, your heirs will have to ask a court to appoint a personal administrator. Usually, it will appoint your surviving spouse or a child. But you risk a family fight over who should be in charge. Some couples try to go will-free by putting everything into joint names. Joint assets pass to the other owner automatically. So do assets with beneficiary forms, such as individual retirement accounts. But something is inevitably left out typically, a car, Lannon says. Heirs would need an administrator to transfer title. Even if the joint-asset strategy works for the first death, what happens when the other spouse dies? He or she should make a will, which you both could have done from the start. When there’s no will, state law dictates who gets the house, car, savings and other assets. Those laws vary widely. A surviving spouse might get everything in one state but only one-third in another, with the rest going to your children. If you have no children, half might go to a spouse and half to your parents. Lawyers are the best source for reliable wills.Your lawyer will also remind you that you need a durable power of attorney and a health care proxy, so someone can manage your finances and make medical choices if you’re unable to do so yourself. If you’re allergic to lawyers, you can find free, state-specific will forms online. In most states (not all), handwritten wills are also accepted, provided that they were witnessed properly. DIY should be better than nothing. But be careful. (Jane Bryant Quinn is a personal finance expert and the author of “How to MakeYour Money Last” She writes regularly for the AARP Bulletin.) Reprinted from the AARP.org Bulletin, May 2017. BPPA RETIRED PATROLMEN’S DIVISION MEMBERSHIP APPLICATION Date:_ ____________________________________________ Name:____________________________________________ Address:__________________________________________ City, State, Zip:_ ___________________________________ Home Phone:_ ____________________________________ Cell Phone:_ ______________________________________ Date of Appointment:______________________________ Date of Retirement:________________________________ Rank at Retirement:________________________________ Email:_ ___________________________________________ Annual Dues are $24.00. Please mail this application and $24.00 annual dues to the: BPPA Retired Patrolmen’s Division 295 Freeport Street, Boston, MA 02122-3513