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Show Vernal Express Wednesday, April 17, 2002 3 JU or Financial Focus What to do if your 401 (k) match is cut Gwen Marie ObermueHer Trim Rich Oldham Dottie Reed Alisa Danelle Martinez I ; i Shara Janae Graham Farrell Cuch Sheriff's Warrants Warrants of arrest for the Uintah County Justice Court as of Monday include the following individuals: Gwen Marie Obermueller, born Aug. 30, 1 975, is wanted on two warrants for $178 and $573. Trini Rich Oldham, bom Sept 18, 1975, is wanted on two warrants for $1300 and $420. Dottie Reed, born Oct. 24, 1969, is wanted on two warrants for $400 each. Alisa Danelle Martinez, born Aug. 13, 1971, is wanted on a $1300 warrant. Shara Janae Graham, bom Jan. 31, 1982, is wanted on a $10,000 cash only warrant. Farrell Cuch, bom Feb. 29, 1956, is wanted on a $2,000 warrant. war-rant. Persons for information about the location of these individuals are urged to contact the Uintah County Sheriff's Department, 789-2511, Central Dispatch, 789-4222 or use the Secret Witness Line, 781-5400. submitted by Steven S. Holt Edward Jones When companies go through difficult dif-ficult times, how do they respond? For one thing, they can lay off some employees. In fact, major layoffs lay-offs have been in the news for the past year or so. But businesses also cut back in less-publicized ways. For example, they may reduce their 401(10 matching contributions. If this happens to your plan, you may want to take action. How likely is it that your company's compa-ny's matching contributions could be cut? Nobody can say for sure. While it's true that some big companies com-panies have either cut or suspended their matching funds - in recent months, it's far from clear that "downsizing" 401(1) contributions will become a national trend. Companies know that reducing their 401(k) match will save money in the short term but at a cost to employee morale and loyalty. Consequently, you may not have to worry about your 401(k) match being cut. Of course, if you aren't contributing enough to your 40 UM to even earn the match, you also won't have to worry about it being cut. But keep this in mind: If you don't earn your employer's match whatever it is you are literally literal-ly walking away from "free money." And that's not a good move. So, assuming you are putting away enough in your 401(k) to earn your employer's match, and your match gets cut or suspended, what should you do? The answer depends, in part, on just how the match was being awarded. Some companies make their 401(1) matches in cash, giving you a free rein to invest the money among the various options in your 401(k) plan. Other businesses make their matches match-es in company stock. If your match w as being made in cash, you'll want to consider how your 401(k) dollars are being allocated. allo-cated. Were you using your match to buy growth slocks within your 401tki? Grow ih-and income stocks? Bonds? Money market vehicles? Or were you spreading out the match among all these categories? cate-gories? Whatever you were doing with your match, its disappearance or reduction w ill affect your 401(k) portfolio. Therefore, you'll want to re-examine your remaining contributions contri-butions to see if they reflect your needs, goals, tolerance for risk and time horizon. If not, you may need to rebalance your 40 1 (k) to accommodate accom-modate the loss of your match. You also may want to rev iew your 401 (k) holdings if your employer's match had been made in company stock. Should you compensate for the loss by voluntarily putting nwe of your 40l(k dollars into company compa-ny stock? Not necessarily. It's generally gen-erally a good idea to avoid overweighting over-weighting a 40 1 (k) with the slock of one company even if it's your own. Instead, look at how your company stock (its in to your 401(1). Was this stock a growth vehicle.' If so, do you need to replace it by adding to your other growth accounts? Again, you need to look at your entire 401(1) picture, and take action accordingly. Obviously, you'd prefer not to lose all or part of your employer's 401(k) match. But if it happens, you can minimize the impact by maximizing the rest of your 40 1 (k) investments. F.vcn without a match, your 401 (k) can he a great retirement retire-ment savings vehicle when you make the right choices. Dinosaur visits down 9.5 Visitation at Dinosaur National Monument during March dropped 9.5 percent compared to the same month last year, according to the Monthly Public Use Report. There were 9,854 visits this March compared com-pared to 10,888 last year. The year-to-dale visits total is down by 13.4 percent compared to last year, 17.504 ihis year and 20,222 last year. Total overnight stays for March was 391, with the total year-to-date total of 501, according to Christy Wright, Dinosaur river operations assistant. Nelson J. Marshall Uintah County Surveyor 032802 Dear Uintah County Citizens, When we choose the new County Surveyor this election we must keep in mind that the candidates each have their own plans for the office. Two different ways of handling the office are being proposed by the candidates: can-didates: The first is the continuation of a part-time surveyor working in his ow n office and accomplishing the County's survey work as it arises with his own resources and then billing the County for the work performed. The private surveyor's office would be open to the public for County Citizen's consultation and personal contact with the County Surveyor at no cost to the patrons. Records which the Surveyor is charged with keeping keep-ing and Plats of Private Surveys for which the Surveyor is responsible to file would continue to be filed in a separate part of the County Recorder's Office. The Elected County Surveyor would receive no salary from the County, his compensation would come from the work he billed for at a fair rate established by him and the County Commission. The other proposal being put forth is a full-time County Surveyor's Office established in County housing and using County facilities and full-time personnel one of which would be the Surveyor himself. In this case the office of the Surveyor becomes a working survey operation with its own vehicles, instruments, computers, files, office space, furniture, furni-ture, office and field supplies, insurance and retirement and other benefits bene-fits for personnel etc. and of course a budget. Budgets are great for the Surveyor because the Survey Office gets it regardless of whether it is earned or not. County Surveyor's in Utah operate several ways. The first above is the most common. Some are appointed, some elected, some contracted. AH must be a Registered Surveyor in the State of Utah. My preference as the County Surveyor in Uintah County for the last approximately 40 years is the first method and I would encourage Voting Citizens of Uintah County to consider what is proposed very carefully and then to Vote accordingly. Sincerely, Nelson J. Marshall w L .j) Nelson Marshall receives the 'Surveyor of the Year' award, with his wife, Eleanor, at the Tri-State Continuing Education Convention. Marshall named 'Surveyor of Year The Utah Council of Land Surveyors presented Nelson James Marshall with the Surveyor of the Year 2001 aw aid at the Tri-State Continuing E-ducation Convention held at Elko. Nev. April 7 - 10 Marshall is a professional land sur-eor sur-eor and professional engineer and has served as the Uintah County surveyi for the past 40 years. Marshall was horn July 19. 1928 in Venial and graduated from Uintah High School in 1946. He married Eleanor Sargent in 1951 and attended Brigham Young University and I niversity of Utah. He graduated in 1954 with a Bachelor of Science Degree in Civ il Engineering. Atier serving two years in the army, he worked in Sail lake City lor Metropolitan Engineers and Hush & Gudgell Engineers before moving hack to Vernal in 1958. When he returned to Vernal. Marshall winked for Ross Construction Company, heading up the civil engineering and land surveying sur-veying department before being called up to active duty by the Uintah National Guard Unit during the Berlin Crisis. In 1964 Marshall left Ross Construction Company to form Uintah Engineering and Land Surveying with two olher asstki-ates, asstki-ates, Lawrence Kay and Gene Stewart. In l2 Marshall was appointed to fill the Uintah County surveyors position alter the County Suiveyor Ix-on Christenscn resigned. Marshall ran for this office on nine different occasions and will retire from this position in J.uuiaiy 200V He has served his (vers for the last 15 years on the board of Utah Land Surveyors Council in many diller enl callings. Marshall has trained numerous people as land suiveyors who later became licensed, including Gene Stewart. Iawreiu e Kay, Robert Kay and John Kay He is a lifelong teacher to anyone who needs experienced, expe-rienced, firsthand knowledge of engineering and land surveying problems, and is helpful and courteous courte-ous to his peers in the surveying and engineering fields. He has worked in all of the surrounding states and is licensed in Utah, Colorado and Wyoming as a professional profes-sional engineer (civ ill and professional profes-sional land surveyor and in New Mexico as a professional laud surveyor sur-veyor Most of Marshall's woik in his capacity as county surveyor was to re establish section comers that pri vale property is tied to. so ih.it pri vale surveyors could find piopcitv lines for property owners He also worked on various roads, iiwlinline the Maeser to Lapoint highway V a surveyor for Uintah '1 jigiriccung and land Surveying he located many of the oil wells in the aiea. lit erally surveying hundreds ol them Marshall says he enjoys woikiiij' outside and his work as a land mii eyor and engineer allowed turn this pleasure. As a professional land survey oi Marshall's goals are: I. To pieseive the surveyed and monuinciited sec lion comers; 2. To further define, enhance, and record survey control data in areas where he woiks; V To protect the integrity of procrty lines as recorded and defined, 4 To help resolve conflicts between property lines where they exist, and 5. To work with other elected olfi cials to work out all problems Marshall and his wile, Eleanor, have two daughters, I'alti and Jackie, and a son, Harold Marshall, who all live in Vernal Harold is a civil engineer and works at Uintah Engineering and Land Surveying with Nelson. They have eight grandchildren. n iti fl M Arc your taxes the lowest in the state of Utah? YES Has over 5 million dollars come into Uintah YES County to aid with county projects? YES Do you have a great new facility in a (are Center which will Ik completed this year? 1$ the cost of patient care reduced by $30.00 a day per patient at the Care Center for almost half a million dollars savings? YES Does Commissioner Harrison have highly YES influential connections across the state? Are there rumors and mistruths roaming YES about freely? Will you please call and get 781-5383 honest truthful answers 789-4629 Is it not better to have one mature work horse that really knows how and when to pull, than to have a new colt that has to be trained? Think voters... it's your tax money being spent on the training of a new colt fad for by Ourm To Rccicxl i lovd Harmon III Pari potecat aAmmarmt COPY |