John R. Bullis: Everyone needs at least a will

We all will die sometime. If we care about the survivors, we need to have a will.Some folks will have a trust in addition to the will. The will usually will say something like, “If there are any assets (items of value) that are not titled (governed) by the trust or otherwise, put those assets into the trust.”If something is titled JTWROS (Joint Tenants With Right of Survivorship), the surviving joint tenant inherits, whether there is a trust or a will or not. That title holding is fairly com