@1 6
   You may give specific items of personal property (such as
   watches, rings, furniture, cars, etc.), specific items of
   real property (houses, undeveloped real estate,
   condominiums, etc.) or specific amounts of cash to people
   or organizations (such as charities, fraternal
   organizations, etc.).
   
   Answering "yes" allows you to give specific items of your
   property to specific individuals.  For example, my wedding
   ring to my daughter.  If you answer "no", you will be able
   to leave portions (rather than specific items) of your
   property to anyone you wish.  For example, one-third of my
   estate to my son.
@1 7
   In the event a person dies or an organization ceases to
   exist before you die, the specific gift will be
   ineffective, and that property will become part of your
   residuary estate.  You may give each person or organization
   more than one item.
   
   Note:  If you want to make more than one specific gift,
          the last gift entry is set up with a special
          block editor for those gifts that require more than
          sixty (60) characters.
   
@1 8
   Do not use any nicknames or abbreviations.  The name must
   be the legal name, not the social name.  For example, the
   proper way to name John Smith's wife is Barbara S. Smith;
   it is not correct to use Mrs. John Smith.
@1 9
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door
   blue Toyota Camry, VIN 81J657823K' not 'my car'.  Do not
   end with a period.  If you are giving more than one item to
   this person or organization, separate the items with semi-
   colons.
@1 10
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is
   Barbara S. Smith; it is not correct to use Mrs. John Smith.
@1 11
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door
   blue Toyota Camry, VIN 81J657823K' not 'my car'.  Do not
   end with a period.  If you are giving more than one item to
   this person or organization, separate the items with semi-
   colons.
@1 12
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is
   Barbara S. Smith; it is not correct to use Mrs. John Smith.
@1 13
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door
   blue Toyota Camry, VIN 81J657823K' not 'my car'.  Do not
   end with a period.  If you are giving more than one item to
   this person or organization, separate the items with semi-
   colons.
@1 14
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is
   Barbara S. Smith; it is not correct to use Mrs. John Smith.
@1 15
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door
   blue Toyota Camry, VIN 81J657823K' not 'my car'.  Do not
   end with a period.  If you are giving more than one item to
   this person or organization, separate the items with semi-
   colons.
@1 16
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is
   Barbara S. Smith; it is not correct to use Mrs. John Smith.
@1 17
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door
   blue Toyota Camry, VIN 81J657823K' not 'my car'.  Do not
   end with a period.  If you are giving more than one item to
   this person or organization, separate the items with semi-
   colons.
@1 18
   Do not use any nicknames or abbreviations.  The name must
   be the legal name, not the social name.  For example, the
   proper way to name John Smith's wife is Barbara S. Smith;
   it is not correct to use Mrs. John Smith.
@1 19
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door
   blue Toyota Camry, VIN 81J657823K' not 'my car'.  Do not
   end with a period.  If you are giving more than one item to
   this person or organization, separate the items with semi-
   colons.
@1 20
   This program is designed to pass the remainder of your estate
   (also called your residuary estate) to your spouse, provided
   that he or she does not die before you do.  Your residuary
   estate is all the property remaining after specific gifts have
   been made and taxes have been paid.
   
   If you want to prevent your spouse from receiving your
   residuary estate, or limit the amount your spouse will
   receive, you cannot use this program.  State laws allow a
   spouse to receive a certain portion of your estate through a
   legal process called "electing against the will," regardless
   of the provisions you make.
   
   The remainder of your estate (also called your residuary estate)
   is all the property remaining after specific gifts have been made
   and taxes have been paid.
   
                    CONSULT WITH AN ATTORNEY.
@1 24
   Again, do not use any abbreviations, nicknames, pet names
   or baby names.
   
   Give the full legal name of each child you counted in
   Question 14c.  Include the family name, even if it is the
   same as yours.
@1 25
   In the event your spouse dies before you do, you may choose
   to leave your residuary estate:
   
   (A) to your children in equal shares or in unequal shares
       and, if a child dies before you do, to his or her 
       children ("per stirpes");
   
   (B) to your children in equal shares or in unequal shares;
   
   (C) to your children and other individuals or
       organizations; or 
   
   (D) to other individuals or organizations entirely.
   
   If you wish to divide your estate unequally between your
   children, be sure to select an option which includes the
   words 'unequal shares'. When the option specifies
   'grandchildren', your estate will be divided among the
   children of your child if your child dies before you.
@1 26
   Be sure to put a number in the right column for each row where
   there is a name.  You may use decimals (for example:  12.5).
   The numbers should total 100 percent.  For example, if you
   wish to divide your estate equally among four individuals, you
   would enter 25 for each.
   
   If you wish to omit one or more children entirely, enter zero
   ("0") as their percentage.
   
   Press [Tab] to move to the percentage column.  Press [Enter]
   to move to the next line.  Press the up arrow key to move to a
   previous entry.  When you have finished, press [F10] to move to
   the next question.
@1 27
   Do not use any abbreviations, nicknames, pet names
   or baby names.
   
@1 28
   You may choose to leave your residuary estate (a) to your child
   and, if your child dies before you do, to his or her children
   ("per stirpes"); (b) to your child and, if your child dies before
   you do, to other individuals or organizations; (c) to your child
   and other individuals or organizations; or (d) to other
   individuals or organizations entirely.
   
   When the option specifies 'grandchildren', your estate will be
   divided among the children of your child if your child dies
   before you.
   
@1 29
   The purpose of this question is to tell your Executor what to do
   with property if both spouse and your child has died.
   
@1 30
   You may name charities or other organizations, as well as
   individuals.
   
@1 31
   Additional beneficiaries may be charities or other
   organizations as well as individuals.
   
   Be sure to put a number in the right the column for each row
   where there is a name.  You may use decimals (for example:
   12.5).  The numbers should total 100 percent.  For example, if
   you wish to divide your estate equally among four individuals,
    you would enter
   25 for each.
   
   If you wish to omit one or more children entirely, enter zero
   ("0") as their percentage.
   
   Press [Tab] to move to the percentage column.  Press [Enter]
   to move to the next line.  Press the up arrow key to move to a
   previous entry.  When you have finished, press [F10] to move to
   the next question.
@1 32
   Be sure to put a number in the right column for each row where
   there is a name.  You may use decimals (for example:  12.5).
   The numbers should total 100 percent.  For example, if you
   wish to divide your estate equally among four individuals, you
   would enter 25 for each.
   
   Press [Tab] to move to the percentage column.  Press [Enter]
   to move to the next line.  Press the up arrow key to move to a
   previous entry.  When you have finished, press [F10] to move to
   the next question.
@1 34
   If your minor children's other parent dies before you do, you
   should name a person you trust as Guardian for your minor
   children.
   
   Be sure to inform the person you select beforehand, so that he or
   she knows of your wishes and is willing to serve as Guardian.
   
@1 36
   Home Lawyer lets you create a simple trust for the support of
   your minor children.  Without a trust, your children may
   have immediate access to the property you leave them, before
   they have sufficient knowledge and maturity to use it wisely,
   or the probate court may make some other provision for
   supervision of the property.
@1 37
   The trust will expire when each child reaches an age you
   designate.  For example, some trusts expire when the child
   reaches his or her twenty-first birthday.  However, you may
   choose any age at which you believe your child will be mature
   enough to assume full ownership of the property that he or she
   will receive from your estate.
@1 38
   The Trustee is the person who will be responsible for managing the
   trust.  You may choose anyone whom you consider honest and
   trustworthy, including a friend, family member, or business
   associate.  You may wish to name the same person who will serve
   as Guardian of your minor children as Trustee. You may also name a
   bank or trust company.  Keep in mind that a Trustee has many
   important duties, and that they may continue for a long period of
   time.  You should discuss this matter with the person you want to
   serve as Trustee beforehand, so there will be no unnecessary delay
   in establishing the trust after your death.
@1 39
   If your first choice as Trustee dies before you do, or is
   otherwise unable to serve as Trustee, you can name an alternate
   Trustee here.
@1 40
   Your Executor is the person who will be responsible for carrying
   out the terms of your Last Will and Testament.  The Executor is
   also sometimes referred to as a "personal representative."  This
   should be a person you trust; it may be your spouse, or an adult
   child.  The Executor, once approved by the probate court, will
   have a number of important duties and obligations.  Be sure to
   have the person you name agree to serve as Executor beforehand.
   You should also let your Executor know where to find the signed
   original of your Will, so there will be no unnecessary delay in
   the administration of your estate.
   
@1 41
   Do not use any nicknames or abbreviations.  The name must
   be the legal name, not the social name.  For example, the
   proper way to name John Smith's wife is Barbara S. Smith;
   it is not correct to use Mrs. John Smith.
@1 42
   Estates with a total value of less than $600,000 are exempt
   from federal taxes, and in some states, from state taxes as well.
   
   Option A - specifies that estate and inheritance taxes be
   paid out of that part of your estate which is left after
   all the special gifts and all the expenses have been paid.
   
   Option B - specifies that estate and inheritance taxes be
   paid as provided by the laws of your state.
   
   Option C - allows you to specify a particular asset such as a
   savings account from which to pay estate and inheritance taxes.
   
   
   
   
   
   
   
   
   If you need advice regarding which option is right for you, you
   should consult with an attorney for assistance.  Your state bar
   association can provide you with a referral to an attorney who can
   help you.
   
   NOTE:  If your estate's value is $600,000 or more, you should not
          use this program.
   
                       CONSULT WITH AN ATTORNEY.
@1 44
   Be sure to put a number in the right column for each row where
   there is a name.  You may use decimals (for example:  12.5).
   The numbers should total 100 percent.  For example, if you
   wish to divide your estate equally among four individuals, you
   would enter 25 for each.
   
   Press [Tab] to move to the percentage column.  Press [Enter]
   to move to the next line.  Press the up arrow key to move to a
   previous entry.  When you have finished, press [F10] to move to
   the next question.
@1 45
   Your Executor is the person who will be responsible for carrying
   out the terms of your Last Will and Testament.  The Executor is
   also sometimes referred to as a "personal representative."  This
   should be a person you trust; it may be your spouse, or an adult
   child.  The Executor, once approved by the probate court, will
   have a number of important duties and obligations.  Be sure to
   have the person you name agree to serve as Executor beforehand. 
   You should also let your Executor know where to find the signed
   original of your Will, so there will be no unnecessary delay in
   the administration of your estate.
   
@1 46
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is
   Barbara S. Smith; it is not correct to use Mrs. John Smith.
@1 47
   Estates with a total value of less than $600,000 are exempt
   from federal taxes, and in some states, from state taxes as well.
   
   Option A - specifies that estate and inheritance taxes be
   paid out of that part of your estate which is left after
   all the special gifts and all the expenses have been paid.
   
   Option B - specifies that estate and inheritance taxes be
   paid as provided by the laws of your state.
   
   Option C - allows you to specify a particular asset such as a
   savings account from which to pay estate and inheritance taxes.
   
   
   
   
   
   
   
   
   If you need advice regarding which option is right for you, you
   should consult with an attorney for assistance.  Your state bar
   association can provide you with a referral to an attorney who can
   help you.
   
   NOTE:  If your estate's value is $600,000 or more, you should not
          use this program.
   
                   CONSULT WITH AN ATTORNEY.
@1 49
   You should keep in mind that your funeral wishes should be
   shared with your family and your Executor before you die,
   as it may be several days before your will is found and
   read.
   
   Enter only the instructions for the disposal of your
   physical body and your wishes for your funeral service. 
   For example, "I direct my remains be cremated, the ashes
   placed in an urn and the urn delivered to my spouse".
@1 50
   The date you enter here will appear, in legal form, on the
   will as printed.  Don't print a final copy of the will
   until you are satisfied that it represents your wishes, and
   you are ready to sign it in front of witnesses.
@2 3
   Do not use the name of a real estate sub-division unless it is
   used as a Post Office address.  For example, use Middleton not
   Greentree Development.
   
@2 5
   You may give specific items of personal property (such as
   watches, rings, furniture, cars, etc.), specific items of real
   property (houses, undeveloped real estate, condominiums, etc.)
   or specific amounts of cash to people or organizations (such as
   charities, fraternal organizations, etc.).
   
   Answering "yes" allows you to give specific items of your
   property to specific individuals.  These are known as specific
   bequests.  For example, my wedding ring to my daughter.  If
   you answer "no", you will be able to leave portions (rather
   than specific items) of your property to anyone you wish.
   For example, one-third of my estate to my son.
   
@2 6
   In the event an individual or organization ceases to exist before
   you die, the specific gift will be ineffective, and that property
   will become part of your residuary estate.  You may give each
   person or organization more than one item.
   
   Note:  If you want to make more than two specific gifts,
          the last two gift entries are set up with a special
          block editor for those gifts that require more than
          sixty (60) characters.
   
@2 7
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is Barbara S.
   Smith; it is not correct to use Mrs. John Smith.
   
@2 8
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door blue
   Toyota Camry, VIN 81J657823K' not 'my car'.  Do not end with a
   period.  If you are giving more than one item to this person or
   organization, separate the items with semicolons.
   
@2 9
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is Barbara S.
   Smith; it is not correct to use Mrs. John Smith.
   
@2 10
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door blue
   Toyota Camry, VIN 81J657823K' not 'my car'.  Do not end with a
   period.  If you are giving more than one item to this person or
   organization, separate the items with semicolons.
   
@2 11
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is Barbara S.
   Smith; it is not correct to use Mrs. John Smith.
   
@2 12
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door blue
   Toyota Camry, VIN 81J657823K' not 'my car'.  Do not end with a
   period.  If you are giving more than one item to this person or
   organization, separate the items with semicolons.
   
@2 13
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is Barbara S.
   Smith; it is not correct to use Mrs. John Smith.
   
@2 14
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door blue
   Toyota Camry, VIN 81J657823K' not 'my car'.  Do not end with a
   period.  If you are giving more than one item to this person or
   organization, separate the items with semicolons.
   
@2 15
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is Barbara S.
   Smith; it is not correct to use Mrs. John Smith.
   
@2 16
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door blue
   Toyota Camry, VIN 81J657823K' not 'my car'.  Do not end with a
   period.  If you are giving more than one item to this person or
   organization, separate the items with semicolons.
   
@2 17
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is Barbara S.
   Smith; it is not correct to use Mrs. John Smith.
   
@2 18
   Do not use terms which are so general that it could be
   interpreted to mean several items.  Enter 'my 1989 4-door blue
   Toyota Camry, VIN 81J657823K' not 'my car'.  Do not end with a
   period.  If you are giving more than one item to this person or
   organization, separate the items with semicolons.
   
@2 22
   Press [Enter] to move to the next line.  Press the up arrow to
   move to a previous entry.  When you have finished, press [F10] to
   move to the next question.
   
@2 23
   Your residuary estate is all the property remaining after you
   have made any specific gifts.  You may choose to leave your
   residuary estate:
   
   (A) to your children in equal shares or in unequal shares and,
       if a child dies before you do, to his or her children
       ("per stirpes");
   
   (B) to your children in equal shares or in unequal shares;
   
   (C) to your children and other individuals or organizations; or
   
   (D) to other individuals or organizations entirely.
   
   If you wish to divide your estate unequally between your
   children, be sure to select an option which includes the words
   'unequal shares'. When the option specifies 'grandchildren', your
   estate will be divided among the children of your child if your
   child dies before you.
@2 24
   Be sure to put a number in the right column for each row where
   there is a name.  You may use decimals (for example:  12.5).
   The numbers should total 100 percent.  For example, if you
   wish to divide your estate equally among four individuals, you
   would enter 25 for each.
   
   If you wish to omit one or more children entirely, enter zero
   ("0") as their percentage.
   
   Press [Tab] to move to the percentage column.  Press [Enter]
   to move to the next line.  Press the up arrow key to move to a
   previous entry.  When you have finished, press [F10] to move to
   the next question.
@2 26
   You may choose to leave your residuary estate (a) to your child
   and, if your child dies before you do, to his or her children
   ("per stirpes"); (b) to your child and, if your child dies before
   you do, to other individuals or organizations; (c) to your child
   and other individuals or organizations; or (d) to other
   individuals or organizations entirely.
   
   When the option specifies 'grandchildren', your estate will be
   divided among the children of your child if your child dies
   before you.
   
@2 27
   The purpose of this question is to tell your Executor what to do
   with property if your child has died.
   
@2 28
   You may name charities or other organizations, as well as
   individuals.
   
@2 29
   Additional beneficiaries may be charities or other organizations
   as well as individuals.
   
   Be sure to put a number in the right column for each row where
   there is a name.  You may use decimals (for example:  12.5).
   The numbers should total 100 percent.  For example, if you
   wish to divide your estate equally among four individuals, you
   would enter 25 for each.
   
   If you wish to omit one or more children entirely, enter zero
   ("0") as their percentage.
   
   Press [Tab] to move to the percentage column.  Press [Enter]
   to move to the next line.  Press the up arrow key to move to a
   previous entry.  When you have finished, press [F10] to move to
   the next question.
@2 32
   If your minor children's other parent dies before you do, you
   should name a person you trust as Guardian for your minor
   children.
   
   Be sure to inform the person you select beforehand, so that he or
   she knows of your wishes and is willing to serve as Guardian.
   
@2 34
   Home Lawyer lets you create a simple trust for the support of
   your minor children.  Without a trust, your children may
   have immediate access to the property you leave them, before
   they have sufficient knowledge and maturity to use it wisely,
   or the probate court may make some other provision for
   supervision of the property.
@2 35
   The trust will expire when each child reaches an age you
   designate.  For example, some trusts expire when the child
   reaches his or her twenty-first birthday.  However, you may
   choose any age at which you believe your child will be mature
   enough to assume full ownership of the property that he or she
   will receive from your estate.
@2 36
   The Trustee is the person who will be responsible for managing the
   trust.  You may choose anyone whom you consider honest and
   trustworthy, including a friend, family member, or business
   associate.  You may wish to name the same person who will serve
   as Guardian of your minor children as Trustee. You may also name a
   bank or trust company.  Keep in mind that a Trustee has many
   important duties, and that they may continue for a long period
   of time.  You should discuss this matter with the person you want
   to serve as Trustee beforehand, so there will be no unnecessary
   delay in establishing the trust after your death.
@2 37
   If your first choice as Trustee dies before you do, or is
   otherwise unable to serve as Trustee, you can name an alternate
   Trustee here.
@2 38
   Your Executor is the person who will be responsible for carrying
   out the terms of your Last Will and Testament.  The Executor is
   also sometimes referred to as a "personal representative."  This
   should be a person you trust; it may be your spouse, or an adult
   child.  The Executor, once approved by the probate court, will
   have a number of important duties and obligations.  Be sure to
   have the person you name agree to serve as Executor beforehand. 
   You should also let your Executor know where to find the signed
   original of your Will, so there will be no unnecessary delay in
   the administration of your estate.
   
   You should be sure to inform this person that he or she is named
   as your Executor, so that there will be no delay in the
   administration of your estate when you die.
@2 40
   Estates with a total value of less than $600,000 are exempt
   from federal taxes, and in some states, from state taxes as well.
   
   Option A - specifies that estate and inheritance taxes be
   paid out of that part of your estate which is left after
   all the special gifts and all the expenses have been paid.
   
   Option B - specifies that estate and inheritance taxes be
   paid as provided by the laws of your state.
   
   Option C - allows you to specify a particular asset such as a
   savings account from which to pay estate and inheritance taxes.
   
   
   
   
   
   
   
   
   If you need advice regarding which option is right for you, you
   should consult with an attorney for assistance.  Your state bar
   association can provide you with a referral to an attorney who can
   help you.
   
   NOTE:  If your estate's value is $600,000 or more, you should not
          use this program.
   
                   CONSULT WITH AN ATTORNEY.
@2 42
   Be sure to put a number in the right column for each row where
   there is a name.  You may use decimals (for example:  12.5).
   The numbers should total 100 percent.  For example, if you
   wish to divide your estate equally among four individuals, you
   would enter 25 for each.
   
   Press [Tab] to move to the percentage column.  Press [Enter]
   to move to the next line.  Press the up arrow key to move to a
   previous entry.  When you have finished, press [F10] to move to
   the next question.
@2 44
   Your Executor is the person who will be responsible for carrying
   out the terms of your Last Will and Testament.  The Executor is
   also sometimes referred to as a "personal representative."  This
   should be a person you trust; it may be your spouse, or an adult
   child.  The Executor, once approved by the probate court, will
   have a number of important duties and obligations.  Be sure to
   have the person you name agree to serve as Executor beforehand. 
   You should also let your Executor know where to find the signed
   original of your Will, so there will be no unnecessary delay in
   the administration of your estate.
   
   You should be sure to inform this person that he or she is named
   as your Executor, so that there will be no delay in the
   administration of your estate when you die.
@2 46
   Estates with a total value of less than $600,000 are exempt
   from federal taxes, and in some states, from state taxes as well.
   
   Option A - specifies that estate and inheritance taxes be
   paid out of that part of your estate which is left after
   all the special gifts and all the expenses have been paid.
   
   Option B - specifies that estate and inheritance taxes be
   paid as provided by the laws of your state.
   
   Option C - allows you to specify a particular asset such as a
   savings account from which to pay estate and inheritance taxes.
   
   
   
   
   
   
   
   
   If you need advice regarding which option is right for you, you
   should consult with an attorney for assistance.  Your state bar
   association can provide you with a referral to an attorney who can
   help you.
   
   NOTE:  If your estate's value is $600,000 or more, you should not
          use this program.
   
                     CONSULT WITH AN ATTORNEY.
@2 48
   You should keep in mind that your funeral wishes should be shared
   with your family and your Executor before you die, as it may be
   several days before your Will is found and read.
   
   Enter only the instructions for the disposal of your physical
   body and your wishes for your funeral service.  For example, "I
   direct that my remains be cremated, the ashes placed in an urn
   and the urn delivered to my Executor".
   
@2 49
   The date you enter here will appear, in legal form, on the will
   as printed.  Don't print a final copy of the will until you are
   satisfied that it represents your wishes, and you are ready to
   sign it in front of witnesses.
@3 1
   Select "Yes" if you want this Power of Attorney to be durable.
   This means the Power of Attorney will continue to be effective
   even if you suffer a disabling injury or are otherwise unable to
   care for yourself.
   
   Select "No" if you want this Power of Attorney to expire should
   you become disabled or incapacitated.
   
   This document will give the person you name the power to act in
   your place, to transact business and to manage your affairs in
   your name.  While the Power of Attorney is in effect, you will be
   bound by the actions of your Attorney-in-fact as if they were your
   own.  The Power of Attorney will remain in effect from the time it
   starts until you revoke it (see Revocation of Power of Attorney).
   
   Enter "Y" for Yes or "N" for No.  Press [Enter] or [F10] to move to
   the next question.
@3 2
   The name must be the legal name, not the social name.  For example,
   the proper way to name John Smith's wife is Barbara S. Smith; it is
   not correct to use Mrs. John Smith.
@3 6
   This should be a person you trust, as you are delegating important
   responsibilities, and you will be bound by your Attorney-in-fact's
   actions as if they were your own.
@3 7
   If you do not presently own, but subsequently acquire, real
   estate, you will want to prepare a new Power of Attorney to
   include a description of the real estate you acquire.
@3 8
   In every state except Louisiana, the word 'county' is used. Enter
   the complete name of the county where your property is located.
@3 10
   If you own real estate, this Power of Attorney must also be filed
   in the office where deeds are recorded in the county where the
   real estate is located.  If you chose to create a Durable Power
   of Attorney, your state may also require this Durable Power of
   Attorney to be filed with another public office.
@3 15
   This should be a person you trust, as you are delegating important
   responsibilities, and you will be bound by your Attorney-in-fact's
   actions as if they were your own.
@3 16
   If you do not presently own, but subsequently acquire, real
   estate, you will want to prepare a new Power of Attorney to
   include a description of the real estate you acquire.
@3 20
   If you own real estate, this Power of Attorney must also be filed
   in the office where deeds are recorded in the county where the
   real estate is located.  If you chose to create a Durable Power
   of Attorney, your state may also require this Durable Power of
   Attorney to be filed with another public office.
@3 21
   If you select a specific termination date, your Power of Attorney
   will expire upon the earlier of that date or your disability or
   incapacity.  If you chose to create a Durable Power of Attorney,
   it will expire upon the date you select regardless of your prior
   disability or incapacity.
@4 1
   Use this document when you are giving another person the power to
   act for you for a limited period and in a limited manner.  The
   Special Power of Attorney created by this program automatically
   expires three months after it becomes effective unless you name
   an earlier expiration date.
   
   Select "Yes" if you want this Power of Attorney to continue to be
   in effect even if you suffer a disabling injury or are otherwise
   unable to care for yourself.  Otherwise, select "No".
@4 6
   This should be a person you trust, as you are delegating important
   responsibilities, and you will be bound by your Attorney-in-fact's
   actions as if they were your own.
@4 7
   This can be important if you are away from home and cannot be
   reached in the event of an emergency, or if you will be traveling
   while your children remain in another's care.
@4 9
   Each child who is under the authority of the Attorney-in-fact
   must be listed in this question.  Do not abbreviate your
   children's names or use any nicknames, pet names or baby names.
@4 15
   It is important to clearly identify the item.  Do not use terms
   which are so general that it could be interpreted to mean several
   items.  Enter 'my 1989 4-door blue Toyota Camry, VIN 81J657823K'
   not 'my car'.
@4 16
   If you do not enter an expiration date, the Power of Attorney
   will automatically expire three (3) months after the date
   of its execution or upon your disability or incapacity,
   whichever comes first.  If you chose to create a Durable Power
   of Attorney, it will expire after three (3) months or upon the
   date you select regardless of your prior disability or incapacity.
   
@4 18
   If your Power of Attorney involves real estate, it must be filed
   in the office where deeds are recorded in the county where the
   real estate is located.  If you chose to create a Durable Power
   of Attorney, your state may also require this Power of Attorney
   to be filed with another public office.
@6 1
   The name must be the legal name, not the social name.  For
   example, the proper way to name John Smith's wife is Barbara S.
   Smith; it is not correct to use Mrs. John Smith.
@6 2
   Do not use any nicknames or abbreviations.  The name must be the
   legal name, not the social name.  For example, the proper way to
   name John Smith's wife is Barbara S. Smith; it is not correct to
   use Mrs. John Smith.
@6 13
   State laws may limit the amount of penalty payment a Landlord may
   charge.  You can contact your county law library or an attorney
   for information regarding the law in your state.
@6 16
   A security deposit is a refundable deposit given by a Tenant to a
   Landlord to protect against unusual damages to the leased premises
   caused by the Tenants or occupants.  A security deposit is not
   considered a cleaning deposit, and in many states, it may not be
   used to offset unpaid rent.  Laws regarding security deposits vary
   widely from state to state.
   
   In a number of states, Landlords must keep security deposits in
   separate, interest bearing accounts, and they must pay the accrued
   interest to the Tenant on a periodic basis.  Other laws limit the
   amount that may be charged as a security deposit, and require the
   Landlord and Tenant to conduct inspections before and after the
   Tenant takes possession of the leased premises.  Failure to comply
   with all the requirements specified may allow the Tenant to recover
   two or even three times the amount of the security deposit as
   damages in a court action.
   
   
   
   
   In many states, Landlords must return the unused portion of the
   security deposit to the Tenant within thirty days after the Tenant
   vacates the property.  Landlords may also be required to provide
   the Tenant with an itemized list of deductions taken from the
   security deposit.
   
   IF YOU ARE UNFAMILIAR WITH THE LAWS REGARDING SECURITY
   DEPOSITS IN YOUR STATE, WE STRONGLY RECOMMEND THAT YOU
   CONSULT WITH AN ATTORNEY.
   
@6 19
   The occupants are not the same as the Tenants.  Occupants are the
   people who live in the apartment.  Tenants are the people
   responsible for paying the rent.
@6 24
   Use the name of the community as named by the United States Post
   Office.  Do not use the name of a real estate sub-division unless
   it is used as a Post Office address.  For example, use Middleton
   not Greentree Development.
   
   Use the two-letter state abbreviation, and use at least the five-
   digit zip code.  The state abbreviations are listed under the
   Help Topic "General Editing".
@6 26
   Use the name of the community as named by the United States Post
   Office.  Do not use the name of a real estate sub-division unless
   it is used as a Post Office address.  For example, use Middleton
   not Greentree Development.
   
   Use the two-letter state abbreviation, and use at least the five-
   digit zip code.  The state abbreviations are listed under the
   Help Topic "General Editing".
@7 1
   Print a worksheet for the promissory note after answering
   Question 4.  This will allow you to see those questions
   involved (a) if there is interest in your note; or (b) if
   there is no interest in your note.
@7 15
   This program gives you several options for structuring payments of
   loans which bear interest.
   
   OPTION A specifies that the Maker (Borrower) is to pay the same
            amount each month for the period the money is owed.
   
   OPTION B specifies that no payment is due until the holder
            (Lender) sends a written notice (demand) for payment.
   
   OPTION C specifies that payments of interest only are due until a
            specified date at which time the entire unpaid amount
            will be due.
   
   OPTION D specifies that the Maker (Borrower) will make payments of
            an amount equal to or greater than a specified amount.
   
   OPTION E specifies that the Maker (Borrower) is to pay the entire
            amount at a future date.
   
@7 23
   This program gives you several options for structuring payments of
   loans which bear no interest.
   
   OPTION A specifies that the Maker (Borrower) is to pay the same
            amount each month for the period the money is owed.
   
   OPTION B specifies that the Maker (Borrower) is to pay the entire
            amount at a future date.
   
   OPTION C specifies that no payment is due until the holder
            (Lender) sends a written notice (demand) for payment.
@9 5
   Use the two-letter state abbreviation.  The state abbreviations
   are listed under the Help Topic "General Editing".
@9 21
   State laws vary on the enforceability of clauses restricting an
   independent contractor's right to work for a competitor.  You
   should consult with an attorney or contact your local library for
   more information about the law in your state.
@9 14
   Include in the description all special arrangements which you
   wish to document. This is the place to note unusual working
   conditions, plans for the consultant to use his or her own
   equipment or other circumstances surrounding the consultant
   relationship.
   
   Example:  To program the IBM 36 by automating customer service
   intake data systems; to document customer service programs; and to
   develop reference materials for the user.
@12 3
   Use the two-letter state abbreviation, and use at least the five-
   digit zip code.  The state abbreviations are listed under the
   Help Topic "General Editing".
@12 17
   Although the Offer of Employment gives the outline of the terms
   and conditions under which the employee will work, you may choose
   to elaborate on these terms through an Employment Agreement.
   
   If you choose this option, you may use Home Lawyer's Employment
   Agreement as the contract.
@13 3
   Use the two-letter state abbreviation, and use at least the five-
   digit zip code.  The state abbreviations are listed under the
   Help Topic "General Editing".
@13 10
   Use the two-letter state abbreviation, and use at least the five-
   digit zip code.  The state abbreviations are listed under the
   Help Topic "General Editing".
@13 14
   If you base your demand on an account which is overdue, enter the
   account number in the space provided.  If your demand is based
   upon a written note or agreement, this letter requires the
   enclosure of a copy of the written agreement that your debtor is
   delinquent in paying.
@15 3
   Use the two-letter state abbreviation, and use at least the five-
   digit zip code.  The state abbreviations are listed under the
   Help Topic "General Editing".
@15 7
   Use the two-letter state abbreviation, and use at least the five-
   digit zip code.  The state abbreviations are listed under the
   Help Topic "General Editing".
@15 10
   If the letter is not being directed to the manufacturer, include
   the manufacturer's name as well.
@15 11
   If the letter is being directed to a local store or manufacturer,
   the location may take the form of a mall or intersection (for
   example:  "Willie's Market at Main Street Mall").  If the letter
   is not being sent to a local company, the location should include
   the city and state (for example:  "Willie's Market at Main Street
   Mall in Cleveland, Ohio").
@16 7
   Prior to preparing this written request for a credit report, you
   should check the telephone directory in your area for the name and
   address of a credit bureau or agency in your area.  Call the credit
   bureau to identify the fee to be paid for your credit report copy.
   If you have been denied credit in the last 30 days, there should be
   no charge.
@16 22
   Prior to preparing this written request for a credit report, you
   should check the telephone directory in your area for the name and
   address of a credit bureau or agency in your area.  Call the credit
   bureau to identify the fee to be paid for your credit report copy.
   If you have been denied credit in the last 30 days, there should be
   no charge.
@16 35
   You should receive your credit report copy within a week.  Upon
   receipt, carefully review the information provided in the report.
   You have a right to respond to a negative entry on your report and
   to have your response made part of your credit report.
@15 5
   Your efforts to get satisfaction when you have purchased a
   defective product may begin with a return trip to the store or a
   telephone call to the manufacturer's toll free number.  If these
   efforts produce no result, you may choose to put your
   dissatisfaction into writing.

   This letter is intended to serve as the first written notice of
   your complaint sent to the store from which you purchased the
   product or to the manufacturer.  It is important to keep the
   original receipt and include a copy of the receipt with the letter.
   Be sure to keep copies of the letter for your reference.
@15 15
   If you fail to receive a response to your letter, you may choose to
   follow up in writing.  Any follow-up letter should reference all
   steps taken to date to resolve the problem.  Send any follow-up
   letter by certified mail, return receipt requested.  If you fail to
   receive a response to your correspondence, you may want to discuss
   your options with an attorney.
@13 14
   If your demand is based upon a written note or agreement, this
   letter requires the enclosure of a copy of the written agreement
   that your debtor is delinquent in paying.
@11 2
   Do not use any nicknames or abbreviations.  The name must be the
   legal name, not the social name.  For example, the proper way to
   name John Smith's wife is Barbara S. Smith; it is not correct to
   use Mrs. John Smith.
@11 12
   For example:  A 19 inch RCA color television with stereo,
                 Model #RC-19, Serial #123456789
   
   It is not necessary to include a period at the end of the
   description.
@10 7
   Do not use any nicknames or abbreviations.  The name must be the
   legal name, not the social name.  For example, the proper way to
   name John Smith's wife is Barbara S. Smith; it is not correct to
   use Mrs. John Smith.
@10 8
   Do not use any nicknames or abbreviations.  The name must be the
   legal name, not the social name.  For example, the proper way to
   name John Smith's wife is Barbara S. Smith; it is not correct to
   use Mrs. John Smith.