Bank trust departments offer a variety of servicea
which are designed to meet the many different needs
rT SustomevThe old yth that banks are
foterested only in the estates of the very wealthy is
i on mwA finer antt mnu 1 J
n.yf- t WUI o ucvuig cue
now turning to their banks for
help with estate and financial
planning, as well as the traditional
estate settlement services-
A well-designed estate plan can
minimize income taxes as well as
estate taxes while providing
protection and security for an
elderly parent a spouse or
minor , children .who micrHt'hA
left alone, . , . " ; ' ' '-: illfi:
A will is perhaps the most important element in
an estate plan, A will ensures that your property '
will be divided according to your instructions. If you v
die without one, the division of your property will be
TRUST SERVICES
J Li
By Floyd 7oodard
determined by state law and the courts. The expertise - ; An individual who is named executor may no longer
of tour banks trust department staff can be jnvalu . be able to handle that responsibility, whereas the
ante to you in planning your wui, ana tne Dan win bank will always pe there, mere are many uungs
Floyd Woodard
work with you and your attorney to be sure that the
final document is in accordance with your wishes. If
'your bank is to be named executor, it is important
! that it be involved in the planning process. .
l Having a bank settle your estate offers several
advantages. First is continuity. Hopefully; there will
; .. Check your bank to determine what services are
' available. Some banks now ofTer servicea that ccn
, benefit you during your lifetime, such aa isvesirsat
, management, financial analysis, asset aiaasistra-
tion, and income tax preparation. Tax laws and
-interpretations are complex and can be confusing v
; to the individual who i trying to look ahead and
anticipate now how to provide for a family's future.
. Your plan should be tailored to the specific needs
. i of you and your Aeirs. Once the plan u drawn npv '
you will want to review it periodically to see if
changes are needed, possibly due to births or deaths .
i in your family, or the sale or nurchase of Drooertvor
: a business. Changes in the tax laws may also cause
a neea lor cnangea in your plan.
be many years between the time you write your will or which might arise when the division xf personal
uiau jrvui www auu ut uuic jruiu cbmim3 to pcvticu. . - possessions taa.es fUUxv.
that must be done, from inventorying and establish-
ing a value for your belongings, to numerous reports
nr. A o tnma tliaf must ho filed.' The eXfiCntor.lS
liable for 8tiff ;personalT)enalties if mistakes are - The trust speaalista at your bank can help yon
' made, or the estate is mismanaged. The bank's role . i determine what services would be best for you.
oenomal truti rtnrtMtm latin fnr Wkn; f
V.. - . r v
can also help prevent family misunderstandings.
l 1 iL. J:.: f 'luiwiiial
Coping
You Will Defeat Stress
Part III,
By Dt, Charles W. Faulkner
Happiness Through Health
Studies Show
Decline In U.S.
Major
Drug Use
By Otto McClarrin
Although most people recognize the characteristics of .
stress, or, know when they are under stress, they are
often unable to locate the causes. The interesting thing,
is that the causes of stress are so obvious and blend in so
well with one's daily activities that they are frequently
unrecognizable. The causes of stress are so much a part
of our daily lives that one is often unable to function
without stress, .
This is the paradox: (1) Being beset by an uncomfor
table and destructive condition that is so much a part of
us, that is so common that our lives would be too
distorted and confusing without it. Stress is a normal
concomitant of one's efforts to be successful, and of his
own relative self-image, be it positive or negative. Stress
is a part of living and does not become a problem until it
interferes with one's daily activities.
In my last column, I provided you with seven steps
that you should use in your efforts to gain your victory
over stress. Here are six more very effective ways of
dealing with stress:
Do not dwell on your shortcomings or weaknesses.
Your weaknesses play only a minor part in your life.
You have far more success in your life than failures.
Dwell on your successes and strengths.
Change your goals when necessary. Do not allow
unreachable goals to hinder your advancement. Change
them. Bring your goals down to size; to where you can
reach them.
Break the monotony of your life. Take a break from
your job, drive home by a different route, shop at a dif
ferent store for a change, find new friends and
associates, enjoy an evening out on the town. Go to a
movie even if you have to do it alone.
Deal with one problem at a time. Do not allow the
burden of problems to weigh you down all at once. Take
United Nations
(Continued From Page 14)
more heip. witb many of the-Arab 0(paaengnalioris
who havehuge'isurpluseis m American and'Curbpean f
holdings. . . '
America still needs to do its snare in tnis reiugee mess
which creates starvation and a threat to peace. With a
combination of Arab and American largesse, I am
positive the refugees can have better lives and nope tor r
the future.
U.S. STAFF TO THE U.N.
AmkoccaW V irlrnntrirk k heine watched closeW for
thn whn rvf nn her staff. We black Americans have
been awaiting a high level appointment from our group.
We are aware sne nas a neo-conservauvc cuuhmwi wu .
writes for "Commentary Magazine" a far right
publication. I am also suspectful of the ethnic composi
tion of those close to her as she seeks to specify
"clarity" in her work. t'
Like the representatives of the poor and small na
tions, I shall really monitor her views not too good at
the moment on the Third World, a title she has.
already questioned.
SOME OTHER gilfcSI IUINS fUK unitAaiic-aa
Will there be more tolerance and an apparent
change of policy with South Africa?
Will Israel and American Zionists uummaic mc
1 1 c MiccSnn? The R'nai R'riih and Anti-Detamauon
VSak. IflUJIVU - J B
League have taken over the Carnegie Peace Foundation
at 46th Street and First Avenue.
Will Africa get us snare oi me u.a. rurcign vut u
has not in the past. , .
-rWill the U.S. keep its funding levels ai me u.i. on
...rituhu traUf it chnnld also uree its allies.
especially Japan and West Germany, two rehabilitated
client states plus moderate Arab nations, to dq1 more.
Will U.N. personnel be treated more courteously
by New Yorkers? The U.N. contributes twelve per cent
to New York's economy by trie way.
Will the free wheeling statements of the U.S. Am
bassadors to UNESCO and to the U.N. Commission on
Human Rights be allowed to continue to otteno tne
Third World?
Will disarmament talks between the u.b. ana
Russia continue and be ratified as in Salt II to ease
the world of impending nuclear threats?
THE GUARDIANS
As I see it, offenses against Africans, Arabs annd
others may increase in the kind of diplomatic climate
coming out of Washington. Domestically, blacks who
are mostly poor will also suffer by budget cuts as will
aid to poor nations. ;,
It is up then to the black media newspapers, broad
cast outlets and magazines to keep.a wary eye to these
trends and events. ' .
Reactionary people who figure they havesome kind
of "mandate" to cut back on gains of blacks and the
Third World have the levers of power around the White
House. .'. .'. :'. .. ..
The white controlled press will as usual oe aereuci in
pushing the black point of view.
Our black press will, as in past crises, gudrd our com
mon interest.
Jordan
(Continued from page 14)
-' i ----- -.
Speculation that there is a 'national conspiracy
black people, linking events in Buffalo, Utah, At anta,
and other places, must remain unconfirmed speculation
until there is hard evidence to back it up.
Otherwise we only let our imaginations run with the
accumulated griefs and hardships black people have
always faced, and allow emotions to dominate oyer the
hardheaded, cool thinking that is needed in a time of
Perhaps the best thing all Americans can do now is to
demmonstrate their solidarity with the people o .Allan
ta, support all efforts to provide the supportive services
the community needs, and to let the police do their job.
then! one at a time. Set aside a two-hour period each
month to solve problems. Deal with the wealth of your
problems only at this time. Enjoy your life the rest of
the time. .V-';-v':;, i- T-l .
Learn to relax. Some people have been tense for so
long that they feel abnormal without having something
to worry about.. Worry is itself a heavy burden that ex-
, act a heavy price in emotional energy: Relaxation is a
-wonderful feeling. Relax by inhaling deeply, filling the
lungs completely with air. Hold your breath as you
slowly count to five. Then, exhale slowly. Repeat this
exercise' five times. Next, tighten the muscles in your
legs.; Hold the tightness for five seconds, then, relax
; them quickly. Next, tighten your stomach muscles.
Hold the tightness, for five seconds, then release them
quickly. Do the same with your arms and shoulders, and
with your neck muscles.: Repeat, these exercises often.
'Relax! 'V
Be healthy. A healthy body is far more capable of
enduring the rigors of this stressful society than an
unhealthy one. So, take care of yourself .Take vitamins.
Don't eat junk foods. Eat the proper foods. Get some
mild but regular exercise. Get up early in the morning.
Don't sleep your life away.
Your questions are welcomed. Suggestions for future
articles will be appreciated. Cassette tapes of this and
other articles are available for individual use, discussion
groups and classroom use. All letters and inquiries
should be sent to: Dr, Charles W. Faulkner, Post Office
,Box 50016, Washington, DC 20004.
- A pumber of recentlstudies show that the .drug
culture,' which has grown uncontrollably for the past
twenty years, are showing the first signs of a potentially
major decline. The epidemic use of marijuana has level
ed off and appears to have turned downward.
The smoking of regular cigarettes, which is a weather
vane for predicting drug abuse, has dramatically
decreased among young Americans. Even some of the
more hazardous substances, such as PCP or "angel
dust," are dropping in popularity, although heroin and
cocaine use are still increasing somewhat.
Citing two nationwide studies concluded last year.
Dr. William Pollins, director of the National Institute
on Drug Abuse (NIDA) stated in public recently that
"during the past two years there has been the beginning
Of what may turn out to be a very important change for
the better."
. "For the first time we saw a substantial leveling off
on a nationwide basis of the use of all drugs and a very
slight but first-time-ever decrease in the daily use of
marijuana by high schools senior," he said.
A new major NIDA study conducted by the Universi
ty of Michigan's Institute of Social Research has con
firmed the trend away from teen-age drug abuse.
The study, which was headed by Dr. Lloyd Johnston,
is significant because it represents the first scientific
verification of a reversal. The new findings come at a
time when many health officials believed the drug pro
blem had reached a hopeless stage.
Marijuana smoking had increased for twenty years as
younger and younger persons took up the habit Bet
ween 1975-79 the use of marijuana doubled.
In 1979 more than one out of every nine high school
, seniors smoked marijuana each day, Pollin said. Many
officials feared this number would double in only three
more years.
A 1979 more than one out of every nine high school
seniors smoked marijuana each day, Pollin said. Many
officials feared this number would double in only three '
more years. r - -:; - J.f-
A 1979 study of 7,000 persons across the country
found that more than half of the people in America had
tried marijuana, according to Dr. Ira Cisin, professor of
sociology at George Washington University. But the
latest studies indicate that the country may have turned
the corner. '
The most encouraging change is taking place in the
12-17 age group, Pollin said. This group is a barometer
for shifting trends because, in the past, its drug abuse
patterns were repeated later throughout the population
he added. -
Health officials are concerned about this young group
because their drug use patterns have the greatest poten
tial for lifelong damage. 'Thc downward change in the
trend is the most significant development,", said Peter
B. Bensinger, administrator of the Justice Department's
Drug Enforcement Administration.
"I think that what we arc seeing here is that the health
hazard warnings of marijuana are beginning, to be
heard," he said. Surveys by DEA's Drug Abuse Warn-
(Continued On Page 16)
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