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Show n mim p an n m Thursday, September 27, 2007 Mapleton Senior If you live in Mapleton and are 55 or older you are entitled to a free membership member-ship in a local health club. This free club has treadmills, tread-mills, elliptical machines, bikes and a stair stepper. It doesn't stop there. They also have six different types of exercise equipment and free weights. Not into exercise. How about two pool tables and a ping- pong table. There is always a puzzle being put together for those of you that just want to exercise your brain. All this and a chance to meet some of your wonderful Mapleton neighbors. They also have computers comput-ers and volunteers who have been helping some of our seniors master basic computer skills. Where is this free facility? We call it the Mapleton Senior Se-nior Center and it is located in the basement of the city Get the Jason Alderman If you're among the nearly near-ly 44 million Americans eligible eli-gible for an employer-provided pension plan, consider con-sider yourself lucky: Since 1980, such plans have decreased de-creased by nearly 80 percent. per-cent. And, while more companies com-panies now offer 401(k) or other plans, where employees employ-ees themselves fund some or all of the savings, about half of Americans have no employer-sponsored retirement retire-ment plan at all. Probably the best retirement retire-ment savings advice I'd offer is, "Don't put all your eggs in one basket." Between Be-tween disappearing pension pen-sion plans, Social Security's Securi-ty's uncertain iuture and historically low personal savings rates, your smartest smart-est move is to save as much as you can, beginning as soon as possible, and using whatever means available - whether it's an employer plan, a traditional or Roth IRA, or regular after-tax savings. If you do have pension benefits through your current cur-rent or past employers, here are a few consider Cottonwood DUP meets The Cottonwood Camp of the Daughters of Utah Pioneers met Set. 13 with Elma Evans and Allie Beckstead as hostesses for this first meeting of the year. New captain, Evans, Ev-ans, conducted, and there were 15 members present. Dora Sorensen gave a heartfelt poem tribute to three deceased camp daughters, Jennie Jones, Marion Tippetts and Ruth Sumsion. These women will be missed by the camp and remembered for their friendship and service. The personal history of Prudence Donna Francom $ mm wan 4 ' 601 West State St. - Lehl 768-3312 763 S Hwy 91 - Payson..... .465-9898 .s 1476 N Freedom Blvd - Provo w. 377-3674 333 N Freedom Blvd - Latino Branch. .655-0777 90 W. Center St Spanish Fork 798-1423 757 E 400 So. - Sprtngville ....s. 491-8993 309 S Main - Nephi .1-435-623-2322 315 W Main - Eureka , 1-435-433-2008 X I J tM federally insured up to S2$0M ' " X The new exercise room at the Mapleton Senior Center boasts lots of great equipment. Seniors are invited to an open house at the center on Tuesday, Oct. 9, from 6:30 to 8 p.m. office building at 125 W. Community Center Way, 400 North in Mapleton. On Tuesday Oct. 9, they will hold an open house at the center. Please join us any time from 6:30 until 8 most from your ations: With traditional pensions, pen-sions, also called defined, benefit plans, your employer employ-er sets aside and manages money on your behalf and then guarantees you a specific spe-cific benefit amount upon retirement. Your pension amount likely depends on years of service, age at retirement and your earnings earn-ings at that job. Your pension plan administrator ad-ministrator should provide a summary plan description descrip-tion (SPD) that explains key information such as vesting requirements, pension pen-sion calculation formulas, payment options and more. Carefully review it and if you don't understand something, ask. The administrator should also send you an annual statement with updated benefit estimates. Check it for accuracy, especially the income level used to calculate calcu-late your benefit. Also, let them know about any life changes that may affect your benefit, including marriage, divorce, death of spouse, etc. Review your plan documents docu-ments to make sure you Packard was told. She is a member of the camp. A history of Colorado was given by lesson leader, lead-er, Betty Diamond. It included in-cluded the early railroad days, Colorado becoming a state and the pioneers. She also gave a pioneer story about Mary Carolyn Caro-lyn Neilson Clapp. Phyllis Phyl-lis Condie told about the Vaud Hanks building on Main Street. Other officers serving serv-ing this year in the camp are Vera Boswell, vice-captain; vice-captain; Evelyn Fletcher, secretarytreasurer; Ilene Coffman, chaplain; Deon r TtTvfj SPRING VILLE. HERALD Citizens p.m. With winter coming it is time to keep in shape on those cold winter days. We would also like your input on other activities you would be interested in. understand the definitions of normal retirement age (commonly 65), early retirement, re-tirement, deferred retirement retire-ment (working past normal nor-mal retirement age), spousal spou-sal death benefits (if you should die) and what happens hap-pens if you leave the company com-pany before retirement age. Make sure you understand under-stand the different payment pay-ment options available to you. Because so much hinges hing-es on choosing the right benefit payment option, you may want to confer with a financial advisor to determine which is best for your situation. Common payment options include: Single life annuity: You receive a fixed monthly month-ly benefit until you die; then no further payments are made to your survivors. survi-vors. Commonly, if you're married, your spouse must agree in writing to this option. op-tion. Qualified joint and survivor annuity: You receive re-ceive a fixed monthly benefit ben-efit until death; then your surviving spouse receives a benefit (amounts vary among plans) until his or Hitchcock, parliamentarian; parliamentar-ian; Bonnie Corry, historian; his-torian; Betty Diamond, registrar; Mary Beth An-dreasen, An-dreasen, chorister; Phyllis Phyl-lis Condie, painist; Dora Sorensen, remembrances; Phyllis Condie, Springville Main Street; Judy Eisner, reporter and museum assistant; as-sistant; Donna Robertson, scrapbook. The Springville-Maple-ton Company has changed the days that the DUP Museum will be open to Wednesday, Friday and Saturday. The public is always al-ways welcome to visit the museum. 4 ft:-.. u Making a Difference Responding to RexM. Rogers No one has ever been betrayed quite like Jesus. Judas sold his friendship and his soul for 30 pieces of silver and then sealed it with a kiss. Though I've never been betrayed like that, and I never will be, I've still felt betrayed. I'm guessing you have too. People you trusted said things publicly about you that you later heard and could scarcely believe. People close to you, or so you thought, people you helped and promoted, promot-ed, stayed faithful while they worked for you but verbally kicked you on the way out the company door. People were your friends as long as they got something out of the transaction; when circum- pension her death. Lump sum: Some plans allow you to receive the entire en-tire value of your benefit at retirement, with no further payments. Then, it's up to you to invest the money. Again, consult a financial advisor before choosing this option. Bottom line: It's your retirement re-tirement future - you need to actively manage how you're going to pay for it. Jason Alderman directs Visa USA's financial education educa-tion programs. To sign up for a free monthly personal finance e-Newsletter, go to www.practicalmoneyskills. comnewsletter. There are ways to keep your children from using any alcohol. They all start with you. Research shows parental disapproval is the number one reason kids choose not to drink. So set clear rules and expectations on no alcohol use. For more information on underage drinking in Utah and the proven skills to prevent it, visit parentsempowered.org. stances changed, they stabbed you in the back. People lied about what really happened, or worse, they lied about you and assassinated your character. People you helped gain their positions used their newfound new-found power to undermine under-mine you. A spouse you loved was unfaithful. And so it goes because even when people act wrongly, wrong-ly, they're still made in the image of God and are thus infinitely creative. They keep inventing new ways to betray. So how should we respond re-spond to betrayal? The Bible tells us how. First, do not respond in kind. James 4:11 says, "Brothers, "Broth-ers, do not slander one another." Two, pray. James 5:13 says, "Is any one of you in trouble? He should pray." Three, never seek vengeance. Romans 12: 19 says, "Do not take revenge ... I will 1 f t ; Utah County's ilea! leaders V J I TORNOW """M - J TADVrtWC 0, ACCfin ATEC IMP PARENTS empowered! Sponsored by Ibe Utah Deportment of Alcoholic Beverage Control and Utah Prevention Betrayal repay, says the Lord." Four, forgive. Colos-sians Colos-sians 3:14 says, "Forgive whatever grievances you may have against one another. Forgive as the Lord forgave you." Five, bless and be at peace with them. Romans 12:14, 16 says, "Bless those who persecute you; bless and do not curse ... Live in harmony with one another." anoth-er." Betrayal is part of life in a sinful world. You and I must not betray, and we must respond biblically to those who betray us. Rex M. Rogers, Ph.D. in political science from the University of Cincinnati, is a syndicated newspaper newspa-per columnist in 92 newspapers news-papers in 31 states, and is president of Cornerstone University, Grand Rapids, Rap-ids, Mich, (www.rexm-rogers.com) (www.rexm-rogers.com) 2007, The Blanchard Group, LLC Priced At $249,900 ) Call 830-2020 Estate - DCduiuui ndinuiei nuiiw S Bedroom 2 Bath 1 Vaulted Ceilings Large Great Rm Off Kitchen Spacious Master Bedroom Finished Basement Shows Like A Model 1-15 Access and Shopping This House Has It All ' "BE. 1 ydri. - t ii ii - --, - i- it ,r ul ,4, |