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Show Page 4 The Gunnison Valley Gazette This Place Matters! Thursday, July 23, 2009 Into all the World Courtesy Photo/Diana Major Spencer This Place Matters to Madison and Hayley Hubbard, and Hayden Jones as they wait for Harry Potter to begin. You can help support the effort in saving the Casino Star Theatre by your patronage and donations. Log on to www.casinostartherter.com for more information. Have your parents made their financial plans? Submitted by DARIN FRANDSEN FRANDSEN Continued from Page 1 She now claims she has seen the light and cheers for BYU. She worked as a waitress to make enough money to pay her way through school. When she graduated from college her first job as a teacher was in the Sanpete School District. She had no idea where Gunnison was and when she arrived in Manti they assigned her to Gunnison High School. She did not know anything existed south of Manti. It was during her first year of teaching that she met Allen and married him in the Salt Lake Temple. This was the beginning of a long and wonderful cial advisor, you may want to encourage them to do so. Managing an investment portfolio during retirement is no easier than doing so during one’s working years — and there’s less time to overcome mistakes. A qualified financial advisor can help your parents choose the right mix of investments that can help meet their needs. During the course of your lifetime, your parents have done a lot for you. You can help pay them back by doing whatever you can to assist them in managing their financial strategy. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones does not provide legal advice. Please consult a qualified legal advisor on all issues related to estate planning. AS A TRUST BENEFICIARY, IT’S TIME YOU RECEIVED MORE PERSONAL ATTENTION TRU-5018A-A APR 2009 As an adult, you’re fortunate if you still have your parents. However, as they get older, you may well have to assist them in some key areas of their life. Specifically, they may need you to get involved in some of their financial issues. And if you do, you may need to focus on two areas: leaving a legacy and managing finances during retirement. While initiating these conversations may not be easy for you, it is important, and you may find your parents more willing to discuss these issues than you had thought. In any case, if your parents haven’t already done so, encourage them to work with an estate-planning professional to develop the necessary legal documents, which may include wills, trusts and financial durable powers of attorney. These documents and services can be invaluable in helping individuals find efficient ways to pass assets from one generation to the next. An estate-planning attorney can identify which arrangements are the most appropriate for you and your family. In your discussions on leaving a legacy, you may also want to bring up the topic of the beneficiary designations that may appear on your parents’ life insurance contracts and qualified plans, such as 401(k)s and IRAs. If the family picture has changed in recent years, and your parents had intended to change these designations, they should take action sooner rather than later. While your parents need to deal with the legacy issue, they still may have plenty of years of living ahead of them — and they might need help managing their money during these years. For starters, you may want to have a discussion about their savings, investments, insurance and so on, and where these assets are held. Are they kept in banks or investment companies? Do your parents have safe-deposit boxes? This knowledge could be valuable if you ever become involved in managing or distributing your parents’ resources. Also, you might want to talk to your parents about the income sources they may be drawing from during their retirement. For example, how much are they taking out each year from their 401(k)s and IRAs? They don’t want to withdraw so much that they deplete their accounts too soon, but at the same time, they would no doubt like to maintain their standard of living in retirement. You may want to suggest to your parents that they evaluate their investment portfolio for both growth and income potential — because they will need both elements during a long retirement. If your parents aren’t already working with a finan- If you’re the beneficiary of a trust held at a bank, you may have found yourself with more questions than concrete answers lately. What if you could address your concerns by changing who manages your trust? Edward Jones Trust Company can review your existing trust documents to help determine your options. If you’re able to change trustees, we’ll evaluate the terms of the trust and your specific needs. We’ll also discuss how you can benefit from the personalized trust services of Edward Jones Trust Company and the convenience of a local Edward Jones branch office. To learn more about your trustee options, call today to request a complimentary review of your trust documents by Edward Jones Trust Company. Trust and/or investment-advisory services are provided by Edward Jones Trust Company, an affiliate of Edward D. Jones & Co., L.P. (Edward Jones), a registered broker-dealer. Edward Jones Trust Company and Edward Jones are subsidiaries of the Jones Financial Companies, L.L.L.P. Edward Jones Trust Company may use Edward Jones or other affiliates to act as a broker-dealer for transactions or other services. Payments for such services generally will be charged as an expense to the trust and will not reduce the amount of fees payable to Edward Jones Trust Company. Darin K Frandsen Financial Advisor . 446 South Mall Drive B-7 St George, UT 84790 435-627-2159 Elder Mitch Henline (left) is currently serving on Virgin Gorda, part of the Brittish Virgin Islands. Virgin Gorda has only 2500 residents and is about the size of Gunnison. The Church has only been on the island for two years. He is pictured here getting a tour of the island from the branch president. Mitch is the son of Mark and Jodi Henline of Gunnison. Into the World sponsored by The all Scouting Newsis is Sponsored by ACE Paints Sporting Goods Whirpool Appliances 528-7513 435 South Main • Gunnison The Outdoor Report Staying safe in cougar country What do Spanish Fork, Park City and St. George have in common? They’re among the towns in Utah in which cougars have been spotted this year. “Most of the cougars you’ll see this time of the year are male cougars that are just a little more than a year old,” says Justin Dolling, game mammals coordinator for the Division of Wildlife Resources. “When they reach that age, it’s time for them to establish their own territory. Their mom boots them out of their territory, and they start to wander.” Dolling says adult male cougars have large territories. And they have no tolerance for young males that try to move into their space. “Adult males will actually attack and kill younger males,” he says. The threat of being attacked forces young males to wander extensively in search of a place they can call their own. Couple their wandering with housing development that’s gobbling up their habitat, and a perfect recipe for cougar sightings in residential areas is in place. If you live in cougar country, Dolling provides the following tips to lessen the chance you come in contact with a cougar: • Do not put food outside for your pets. The food could attract cougars to your yard. • Keep your pets indoors at night. Pets are easy prey for cougars. • Outdoor lighting and motionsensitive lighting are a deterrent for the secretive cougar. Lights also make cougars that are approaching Photo by Lynn Chamberlain Most of the cougars you’ll see this time of the year are male cougars that are just a little more than a year old, and are looking to establish their own territory. your home visible. • Watch your children closely when they’re playing outside. And bring your children in before dusk. That’s when cougars start to hunt. • Make your yard deer-proof. If your landscaping is attractive to deer, cougars will follow the deer and stay close to your property. Here are three things you can do if you encounter a cougar: • Do not run from a cougar. Running can make the cougar think you’re its prey, and the cougar may pursue you. • Make yourself look intimidating by raising your arms and waving them. Speak loudly and firmly. • If you have children, pick them up. Try to pick your children up before they panic and run. As you pick your children up, keep an eye on the cougar, but don’t make direct eye contact with it. Try not to bend The Outdoor Report is Sponsored by: 528-5001 Hwy 89 Northeast of Gunnison www.edwardjones.com/trustcompany life in Centerfield. Later, after Evelyn’s children were older, she went back to teaching at Richfield High School. She enjoyed these years of teaching and she touched many students lives. Her shorthand teams brought home many honors and trophy’s for 1st place in the business competitions. She taught for 14 years at Richfield High School. Evelyn has also been active in community affairs. She served with the PTA helping with many projects. She also served as a council member for the town of Centerfield. She enjoyed the association with many people in these positions. Evelyn has always been active in the LDS church as well. She has served as the Re- over too far or turn your back to the cougar. Here are two things you can do to avoid encountering a cougar in the first place: • Hike with other people and make noise. Cougars will usually leave groups of people alone. • If you’re hiking with pets, keep them on a leash and close to your group. If you let your pet roam, a cougar might attack it. Or the roaming pet could irritate a cougar that’s trying to avoid your group. If you keep your dog on a leash, your dog will also be a good warning system that will let you know if a cougar is nearby. More tips about how to stay safe in cougar country are available in the DWR’s Living in Cougar Country brochure. The free brochure is available at wildlife.utah.gov/cougar/pdf/cougar_brochure.pdf. Open Monday - Saturday lief Society President, Primary President, a member of the Young Women’s Presidency. For many years she produced the ward news letter and had to run off copies on the old mimeograph machines. Allen and Evelyn have served for 22 years in the Manti Temple as ordinance workers. Allen and Evelyn have enjoyed giving to the community but they consider their greatest joy and achievement their family. They are the parents of 8 children, six of whom are still alive. They are Doug and Joan Gardner, Ron and Shauna Frandsen, Rita Gardner, Russ and Christie Frandsen, Tracy and Pat Frandsen and Kelly and Kathy Frandsen. They have 39 grandchildren, 50 great-grandchildren and 1 great great grandchild. The First Word and Last Name in Log Homes! Think Satterwhite for Log Homes, Rough Lumber, Timbers, Animal Bedding and Firewood Courtesy Photo The Gunnison Valley Senior monthly pot luck held was held at the Centerfield Church park on Monday evening. |
