Join the debate. Vote Now on the Dear Abby Poll of the week.

DEAR ABBY: I am a 14-year-old girl who often reads your column. I was wondering how I could get -- or make -- a legal will. I have few valuables, so it's mostly personal stuff that I want given to certain people.

I don't want my parents to know. Please send me some information on this. Thank you. -- NO NAME, PLEASE

DEAR NO NAME: It is rather unusual for a 14-year-old to inquire about how to make a legal will. I am concerned about why a person so young would want this information.

Regardless of how strict your parents may seem to be, in times of serious trouble they are your best friends. However, since you do not want your parents to know, please talk to your school counselor. And please don't be afraid to tell the counselor what it is that troubles you. Only if you discuss your problems can you get the help you deserve.

Please talk to the counselor immediately, and then write again and let me know how you are. I care.

DEAR ABBY: Can you stand one more story about a phony money-making scheme?

My mother, a widow who lives on her Social Security, received a telephone call advising her that she had won three prizes -- an automobile, $10,000 in diamonds, and her choice of a vacation in Hawaii, California or Florida! Well, Mama thought she had died and gone to heaven!

The man on the phone told her that all she had to do was let them send her their "products" to try; the products were free, but she had to pay for shipping, handling and insurance, which was "only $699.99."

Then the caller asked Mother if she had either MasterCard or Visa. She said she had MasterCard. So she was asked to give him her card number. She became suspicious and hung up! The man called her back saying, "We must have been disconnected." Then Mother said, "I'm sorry, I was advised never to give my credit card number to anyone on the telephone." She then hung up and immediately called the Better Business Bureau to report this company. She was thanked, and then told that they already had the name of this company on file!

Abby, please run this in your column. There are still plenty of people who might fall for this kind of scam. -- NO FOOL IN PHOENIX

DEAR NO FOOL: You would be amazed to learn how many people continue to fall for this kind of scam. I have warned my readers never to give their credit card numbers on the telephone. Thanks for the reminder.

DEAR ABBY: I appreciated your column on "faking it" -- especially the letter from "Deserves an Academy Award" who wrote: "Of course I fake it. All women do. I adore my husband, but he couldn't find my erogenous zone with a road map."

Well, we have been happily married for 51 years, and my husband did not need a road map to find my erogenous zone. I gave him directions. -- HAPPY IN OHIO

Everything you'll need to know about planning a wedding can be found in Abby's booklet, "How to Have a Lovely Wedding." To order, send a long, business-size, self-addressed envelope, plus check or money order for $3.95 ($4.50 in Canada) to: Dear Abby, Wedding Booklet, P.O. Box 447, Mount Morris, Ill. 61054. (Postage is included.)

4900 Main St., Kansas City, Mo. 64112; (816) 932-6600

More like Dear Abby