Obituaries


in Bowman-Rector cemetery. Services were presided over by the Rev. Eb Jen- kins and the Rev. Danny Jenkins. Online condolences may be e-mailed


to the family at blueridge-funeral-ser- vice.com.


in Riverside Cemetery, Asheville with the Rev. Jim Pruitt officiating. Mr. Starnes was available for viewing


at West Funeral Home, 17 Merrimon Ave., Weaverville on Sunday, Aug. 8, 2010, between the hours of 1 pm and 4 pm or and on Monday prior to the service. Family and friends gathered at West Funeral Home on Monday to go in procession to the cemetery, leaving the funeral home at 1:15 pm. At other times the family is at the residence. westfamilyfunealservices.com


Ollveda Anderson Leading- Fox Asheville - Ollveda Anderson Lead-


ing-Fox went to be with her Lord and Savior Jesus Christ, Monday, Aug. 2, 2010 after 86 years of being a beloved wife, mother and grandmother. Born March 7, 1924 on Doe Branch in Mad- ison County to Avery and Eliza An- derson. She married Leonard Charles Leading-Fox, April 4, 1954. Ollveda was a member of Grapevine Baptist church in Marshall, NC. Ollveda is survived by her daughters,


Wanda Brown (Jerry), Patricia Wood (Steve), Joann Ward (George Sr.), Col- leen Jenkins (Danny) and Teresa Lead- ing-Fox-Rice (Mike) and her grandchil- dren, Case Jo Rogers (Landon), John Jenkins and George Ward Jr. Te family would also like to ac-


knowledge, Dr. Kevin Trickle and his staff for their devoted service and care to Ollveda through the years. Also the family would like to thank Mrs. Leading-Fox’s many friends for their devotion and dedication throughout her life. Visitation was held from 6 pm – 8:30


pm on Wednesday, Aug. 4, 2010, at Blue Ridge Funeral Service, Mars Hill. Te funeral service was held at 2 pm on Tursday, Aug. 5, 2010, at Grape- vine Baptist Church. Burial followed


Rash officiating. Burial will be in Cedar Hill Baptist Church Cemetery. Te family received friends from 6


pm to 8 pm on Wednesday, Aug. 11, 2010, at the funeral home. At other times the family will be at


the home of Shirley Franklin, 672 Cur- tis Parker Road, Alexander, NC 28701. Flowers are acceptable and appreci-


ated. westfamilyfuneralservices.com


daughter Leslie Cox and husband Mi- chael of Candler; sons, Bill Arndt and wife Brenda of Marshall, and Jeff Arndt and wife Teresa of Canton; brother Mike Arndt of Freeport, Ill., seven grandchildren: Sophi, Anna, Billy, Jes- sica, Jennifer, Rachel and Russell; three great-grandchildren: Tessa, Natalie and Marleigh, the entire Rev. Eb and Glada Jenkins family and several nieces and nephews. A celebration of life will be held at 10


am on Saturday, Aug. 21, 2010, in Rob- bie Capps Memorial Chapel of Blue Ridge Funeral Service, Mars Hill, NC. In lieu of flowers, memorial donations


may be made to: Tidelands Hospice Community House, 2591 N. Fraser St., Georgetown, SC 29440 Online condolences may be e-mailed


to the family at blueridge-funeral-ser- vice.com


Guy V. Starnes Barnardsville – Guy V. Starnes of


446 Poverty Branch Road died Friday, Aug. 6, 2010. Mr. Starnes was born May 31, 1927,


in Salley, SC, to the late Guy V. Starnes, Sr. and Ollie Cooper Starnes. He has made his home in Barnardsville since 1976. He was the construction super- visor for Buncombe County Parks and Recreation for 20 years. Surviving are his wife of 35 years,


Eleanor O’Donnell Starnes; daughters, Rhonda Howard and husband Steve of Oviedo, Fla., Libby Marcumm and husband Randy and Betty Gebert and husband Phil all of Swansea, SC and Michelle Murray and husband Wes of Lexington, SC; step-daughter, Pat Rat- liffe and husband Tim of Viera, Fla.; five grandchildren and six great grand- children. Mr. Starnes’ graveside service was held at 2 pm on Monday, Aug. 9, 2010


Carl Bill (Bill) Arndt Jr. Murrell Inlet, SC Mars Hill - Carl


Oscar “Buddy” Franklin Alexander – Oscar “Buddy” Frank-


lin, age 76, of 672 Curtis Parker Road, died Monday, Aug. 9, 2010. Mr. Franklin was born June 11, 1934,


in Madison County. He was a son of the late Collis and Helen Norton Franklin. In addition to his parents, he was also preceded in death by his brothers, Wy- man and Jake Franklin. Surviving are his sisters, Lorene and


Omie, and brother, Collis. His funeral service will be held at


11 am on Tursday, Aug. 12, 2010, in the Chapel of West Funeral Home, 17 Merrimon Ave., Weaverville, with the Rev. Roy McPeters and the Rev. Harold


William Arndt, Jr. age 72, died coura- geously Tursday, January 28, 2010 at Tidelands Hospice Community Hos- pice in Georgetown, SC. Born in Freeport, Ill., he was a son


of the late Jane Becker and Carl Wil- liam Arndt Sr. Mr. Arndt was a Navy Veteran and retired from Micro Switch after 42 years of service. He was an avid fisherman, hunter, gardener and a proud member of the Garden City Liars Club. He was known for his sense of humor and warm smile and was always willing to lend a helping hand. Bill will be dearly missed by family and friends. Survivors include his loving wife, Ruth Jenkins Arndt of Murrells Inlet;


TOD Agreement Can Reduce Hassles for Heirs Financial Focus


Among the reasons you work hard all


your life may be so you can leave some- thing to your children, grandchildren or other family members. So, naturally, you’d like to make it as easy as possible for your heirs to take possession of those assets you want them to have. And that’s why you may want to consider establish- ing a Transfer on Death (TOD) agree- ment on certain accounts. Once you’ve established a TOD agree-


ment for your account, ownership of the assets held in that account pass directly to the designated beneficiaries, bypassing probate. Why is this important? Because probate has three major drawbacks: • It’s time-consuming. If your estate has


to go through the probate process, it could easily take a year or more for your assets to be distributed to your heirs. • It’s expensive. Attorney and court fees could devour up to 5% of your estate’s


value — which means fewer assets going to your loved ones. • It’s public. Te probate process is open


to everyone. Tis means anyone can ob- tain a copy of your will, the names and contact information for your heirs, the inventory of assets and other documents filed as part of the probate proceeding. As you can see, you’ve got some good


reasons to avoid probate — and a TOD agreement can help. Of course, a TOD agreement can’t meet all your estate-plan- ning needs. While it may be particularly useful in helping you bequeath specific financial assets, such as stocks, bonds and other assets held in your brokerage ac- counts, it can’t help you deal with estate taxes or address other complex estate- planning issues. And that’s why you also may want to


consider creating other estate-planning tools, such as a revocable living trust.


14 THE TRIBUNE - August 12 - August 18, 2010


Similar to a TOD agreement, a revocable living trust allows you to leave assets to your heirs without going through pro- bate. Furthermore, when you set up a re- vocable living trust, you can control your assets during your lifetime and determine how they will eventually be distributed to your heirs. You could, for example, have money distributed to your children or grandchildren in installments, over a period of years. Many people like having this ability, especially if they are unsure of the money management skills or maturity level of their heirs. Plus, a properly estab- lished revocable living trust will carry out your wishes if you become incapacitated. Be sure to consult with your legal advisor to see if a revocable living trust is appro- priate for you. While a TOD agreement can’t take the


place of all estate-planning tools, it can complement them. And a TOD agree-


ment offers another feature that can prove valuable: flexibility. Specifically, you can revoke or modify your TOD agreement at any time in response to changes in your life or family circumstances. To determine if a TOD agreement is


appropriate for your needs, contact your tax advisor or legal professional. It’s taken you many years to accumulate your assets, so take some time to help ensure they end up where you want them to go.


Tis article was written by Edward


Jones for use by Bill Boughton, Weav- erville’s local Edward Jones financial advisor.


Edward Jones, its employees and fi-


nancial advisors do not provide tax or legal advice. Please consult with your qualified professional regarding your situation.


GUARDING AGAINST


IDENTITY FRAUD Last year, more


by Michael Creasman, CFP


than 11 million American adults were victims of identity fraud. To guard against the


financial loss associated with this type of fraud, consumers are strongly urged to keep close tabs on their credit card accounts and bank balances. Weekly monitoring of these accounts online, by phone, or at an ATM is certainly less inconvenient than being confronted by an account with compromised securi- ty. By detecting fraud themselves, con- sumers may shorten the length of time that the account is misused by about two months, on average, compared with being notified of the fraud by the financial institution. Even in cases where bank and credit card companies offer zero-liability protection, banking- fraud victims must absorb nearly $400 in out-of-pocket costs.


HINT: In many cases, perpetrators


of identity fraud are relatives or some- one known to the victim.


Have friends or colleagues tried to


give you investment advice? In today’s market, it is more important than ever to rely on a financial professional to help you sort through the informa- tion you hear in the news. Please call CREASMAN 401(k) PLAN ADVI- SOR, INC., at 828-253-7231 to sched- ule a financial consultation. We have served clients in the greater Asheville area since 1978 with professionalism and integrity. Our services include financial planning, retirement plan- ning, and estate planning. Diversifica- tion and your tolerance for risk are at the center of all our recommendations. We are located at 1328F Patton Ave. www.creasmanfp.com


www.weavervilletribune.com


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