Life estate in real property.

I give _________[describe real estate] to my wife, _________, for the term of her life to have the possession and management thereof, with power to lease and encumber the same but with no power to sell the same or any part thereof, and she shall have the net income therefrom absolutely as her property after paying out of the gross income therefrom all taxes and assessments thereon, costs of adequate insurance on the improvements thereon, expenses of keeping the property in good condition and all other expenses in the management and care of the property; and she as life tenant of said property shall have power to do all and any of the above-mentioned things in this _________ paragraph as fully as I, if alive, might do, upon such terms and conditions and at such times as she in her unrestricted discretion shall determine, and in no such matter or matters shall she be under obligation to seek the permission of, or to account to, any court or to any other person, and in no such matter or matters shall she be under any personal liability resulting therefrom or from what she does or does not do in regard thereto; provided that she shall have no power to dispose of said real estate by her will and provided further that on her death said real estate with all the improvements thereon and appurtenances thereto shall vest in fee in _________.