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Show Thursday, August 21, 2008 Senior Sampler: Retirement accounts and plans...or hijacked Dr. Lee Benson (PhD) It is now a well known fact that many, if not most, retirees-or about-to-be retirees-are having to rethink andor augment aug-ment their retirement plans and accounts because be-cause those plans and accounts ac-counts are being hijacked by inflation these days-by days-by things like the rising cost of energy, gasoline, food and many other things. Indeed, the fact is that most retirees-or about-to-be retirees-are currently making less than 6 annually an-nually on their retirement retire-ment accounts-and many are making far less than 6. And yet, inflation is currently clipping along at anywhere between 12 and 15 annually--depending on who one listens to, or believes. Hence, many people's retirement plans and accounts ac-counts are being eaten alive and they are having to either: - delay their retirement - work at least part-time part-time even after retiring - live a spartan life they Hole-in-one Kirsten Alder got a hole-in-one on hole 16 from 120 yards at Hobble Creek Golf Course. It was witnessed by Darren Alder and Robert Rob-ert D. Alder. Clark Whitlock got a hole-in-one on hole 16 from 150 yards at Hobble Creek Golf Course. It was witnessed by Ted Bills, Bobby Sayer and Bob Ith. At about 6 to 8 weeks of age and possibly again at about 6 to 13 months, your pup may go through what some call a fear period. During these ages some puppies may become hypersensitive to distressing stimuli If you don't intervene, this fear may become aggression. Experts agree that more dogs are aggressive out of fear than for any other reason. It is something that shouldn't be ignored if you want a healthy, happy, social dog. It is possible to get your puppy through a fear period in good form. The best way to do this is to take a situation the dog feels upset in and turn it into an enjoyable one. Perhaps your puppy is frightened when visiting the neighborhood park. Maybe she cowers and hides when people approach. Start turning things around by visiting the park when no one is around. While walking the grounds, give her some tasty treats (something she doesn't normally get). Your aim is to help her associate the situation with positive things. It always helps to have a full tummy, too. When you see good results with an empty park, take her when there are only a few people and so on. Just remember that comforting your pet when they display fear is a'mistake. This is great for kids but dogs take the comfort as a positive reinforcement of the behavior they are exhibiting and she thinks being afraid is okay. A nice little pat on the head when they are doing well won't derail your efforts, though. If the treats and gradual exposure to the things r your dog fears are not knowledgeable trainer in correct the problem before in the future. I TJ) ft tt P" jPf .... c'Crvli.vJ 35 E. 400 S. - Springville 491-2600 GARDEN - LUMBER HARDWARE PLUMBING ELECTRICAL AUTOMOTIVE PAINT - TOOLS All your home hardware needs! never imagined they would have to live in retirement re-tirement or - find some other way to augment their retirement accounts and plans. There is hope for this increasingly disenfranchised disenfran-chised segment of our population, however-and however-and that hope comes in the form of "self -directed retirement accounts"or SDRA's. The law and the various vari-ous regulatory agencies and regulations that govern gov-ern such things allow--and have allowed for years-people to "self-direct" "self-direct" their own retirement retire-ment accounts, or monies, mon-ies, in search of a better return on that money than they may currently be getting. And virtually every institution in-stitution that manages or administers such retirement retire-ment accounts is required to allow retirees or about-to-be retirees, to become so involved in, or with, the management and administration ad-ministration of their own retirement accounts-and that even includes things Men's flag football league forming in Springville Springville City Recreation Recre-ation is now offering Adult Men's Flag Football starting September 1, 2008. Games will be played Thursday evenings and Saturday mornings. The Team fee is $330. Call the Springville City Recreation Office for more details, 489-2735. The Pet Dish Aggression and fear Dr. Harold Davis P.V.M, MT- WEST ANIMAL HOSPITAL producing results, contact a your area wno can neip it grows into a bigger one fX """V "- L u..L v SPRINGVILLE HERALD like the trust departments of banks and so on. Unfortunately, most institutions and organizations organiza-tions don't like to handle such retirement accounts because they do not, or can not, make as much money off of you if they do that. So, most resist attempts by their retirement retire-ment account based customers cus-tomers to do such things. Hence, there are now companies that specialize special-ize in handling such self-directed self-directed retirement accounts ac-counts and customers. And this writer recommends recom-mends those companies to you for your consideration. consider-ation. Among such companies com-panies are the following: - the Entrust Group - Penco Trust -Trustlynk - Millenium Trust - and others. You can find out much more about any of these companies and about M evening while walking his dog, Russell ; Hutchins had a severe heart attack. He was : rushed to an Intermountain hospital where . expert caregivers took over, using a protocol developed by Intermountain heart specialists. Just 69 minutes later, Russell was being treated at Intermountain Medical Center-21 minutes S IE 1 1 ' -' self-directed retirement accounts, in general, on the Internet through a google search. Two words of caution are in order here, however: how-ever: - any promised return on investments above 15 per year is highly suspect -especially in today's to-day's market and - if something sounds too good to be true-it probably is too good to be true. Also, you should be aware that such companies com-panies (like the Entrust Group, for example) are not allowed to give legal, le-gal, tax or investment advice and that there are some kinds of investment instruments or investments, invest-ments, that retirement accounts or monies can not, by law, be invested it-Later it-Later installments in this self -directed retire eet Russell Hutchins, whose life was saved by doctors, nurses, and a protocol. . . ; -. . .. . UTAH VALLEY RF.fi IONAL MEDICAL CENTER MCKAY-DEE HOSPITAL CENTER 1 ; "'J ; K i? LDS HOSPITAL INTERMOUNTAIN MtDlCAL CEN'TFR " . , PRIMARY CHILDREN'S MEDICAL CENTER- DIXIE REGIONAL MEDICAL CENTER , , - j Intermountain I ; Heart & Vascular Services , Utah Valley Regional Medical Center mmmui ment accounts based column col-umn will address some of these more technical questions about such things. In the meantime, M5w-ever, M5w-ever, please be assured that you do not have to take what is happening happen-ing to you and your retirement re-tirement accounts and plans laying down. You do have recourse in the form of self -directed retirement re-tirement accounts You can fight back-and very successfully so if you know what you are doing-through the wise and judicious use of SDRA's. We will talk again about this in the next Senior Se-nior Sampler. If you have questions, please send or email them to the addresses ad-dresses shown below. Dr. Benson (PhD) is a semi-retired university business professor (i.e. Indiana University, University Uni-versity of Wisconsin, f . - f ill ' - lis faster than the national goal. gave him a better chance at recovery. Intermountain Healthcare facilities j ! it treat more heart patients than any other Utah , j healthcare organization, leading to protocols 4 that help people like Russell. For information, . J j'"; J, gotowww.intennountainhealthcare.orghcart. . ,1 11 by inflation ITESM, UNISA etc) who writes this column free of charge-and he is also a part-time, adjunct faculty fac-ulty member at Stevens Henager College in Utah Valley. He can be reached either at 1476 S. Sandhill Rd., Orem, Utah 84057 or Money may be the husk of many things but not the kernel. It brings you food, but not appetite; medicine, but not health; acquaintance, but not friends; servants, but not loyalty; days of joy, but not peace or happiness. - Henrik Ibsen As soon as man does not take his existence for granted, but beholds it as something unfathomably mysterious, thought begins. be-gins. - Albert Schweitzer This extra speed ; j; survival and full s ; si Sinn 111 , , "-I Jl y . : f" s lil'.l S ' 1 i i ' A'.,. i si; ' I i ' in-' |
