OCR Text |
Show Page 20 Times Newspaper Wednesday, December 23, 1998 O 0 Eli! onsumer and friends in Orem. Brought Life Insurance IS ESSENTIAL TO SMART PLANNING Life insurance is an essential part of financial planning. It's part of the foundation an individual should lay before building up other savings and investments. People buy life insurance for several important reasons: To replace income that would be lost with a wage-earner's wage-earner's death. To pay off major debts, such as the mortgage and car payments. To pay estate taxes and other costs of settling an estate To accumulate funds for long-term needs, such as college or retirement. Life insurance can do all these things, but its main purpose is financial protection. Tips to our clients to you by: Ross Schofield of Foote Insurance Oiavt artedtfiy, rtappy, tfoRday Season me Over the past four years, Utah has experienced at least one automobile au-tomobile fatality dtfring the Christmas and New Year holiday. Although weather conditions have been unseasonably mild this year, we should prepare for winter driving hazards that lie ahead. To help ensure a safe and happy holiday season, the Utah Safety Council offers the following follow-ing winter driving tips to make your excursions safer. Plan Ahead For Safety Schedule a preseason checkup. Ask a full-service mechanic me-chanic to check your car's battery and check or change the oil and antifreeze. The brakes, exhaust system, headlights, heater, defroster, de-froster, hoses and belts should also be inspected. Get a grip. New all-season or snow tires will perform better than tires that are nearing their limit of reliable treadwear. It's equally important to maintain the air pressure listed by the vehicle ve-hicle owner's manual. Ask yourself, "Is this trip necessary?" nec-essary?" Assess your own physical physi-cal and emotional state, as well as external conditions. Tune in to radio or television broadcasts for weather and traffic news. Assemble and emergency kit. A plastic milk crate or tote bag will hold gloves, a scarf, knit cap, extra clothing, ice scraper, flashlight, flash-light, flares, jumper cables, energy en-ergy bars and water. Other safety items include boots, blankets, a snow shovel and a snow brush. Hold a dress rehearsal. Fa- ofi this special lime o yea?, we'd like, le sen? lo one and all our heartiest o cheer! Xs you en j o y the season wrapped with memories and mirth, carolers sing joyously and anta in his girth, tinsel streamers, candy canes and ri66ons on the tree, hontebaked goodies, sugarplums and all the pageantry, tve wish or you a Christmas that is filled with happiness, a wealth ofi joy and peace and looe, may you 6e iruly blessed. Orem Community Hospital miliarize yourself with your vehicle ve-hicle now-don't wait for an emergency. emer-gency. Locate the oil dipstick so that you can check your. oil. Learn the correct way to attach jumper cables to the battery. If the area requires snow chains, keep them in the vehicle and stage some practice runs until you're confident you can install them. Hit the Road Carefully Allow extra time. Plan ahead and give yourself plenty of time to travel to your destination. For highway conditions, call 964-6000. 964-6000. Buckle everybody up. Before you depart, everyone should be properly restrained. Children age 12 should travel in the back seat in an age-appropriate child safety restraint. hi the warm holiday spirit 331 North 400 West Orem 2244080 ' ' Be kind to your battery. Make sure the heater, wipers, headlights head-lights and radio are all turned off before you start the engine. Make sure your vehicle is visible. vis-ible. Remove all snow and ice from the front and rear day and night. Use the low beams so that light isn't aimed or reflected toward to-ward oncoming drivers. Slow down and spread out. The two second rule can help you establish es-tablish safe following distances at any speed. On icy roads, in heavy snowfall or in dense traffic, traf-fic, youU need to slow down and double or even triple the two second sec-ond count to create a safe buffer zone. Be gentle and deliberate at the controls. Avoid braking too hard or abruptly, which can cause one or more wheels to lock. Al- ternately, avoid stepping too forcefully oh the accelerator, which causes wheels to over spin on slippery surfaces. Both wheel lockup and wheel spins cause tires to lose traction. If you're trying try-ing to slow your vehicle and you sense lockup or feel that the vehicle ve-hicle is about to skid, squeeze or pump the brake pedal, allowing time for the vehicle to respond. If your vehicle has an anti-lock braking system (ABS), do not pump - just brake firmly. The brakes will pulse automatically when the system senses that the wheels are locking. Do not drink and drive. Designate Des-ignate a driver, convince friends to stay overnight, ride with someone some-one else, or call a taxi for them. Remember, the designated driver is not the least drunken person. Designated drivers should abstain ab-stain from alcohol. Also, be aware of other drivers who may have had too much to drink. Alcohol-impaired Alcohol-impaired drivers drive at inconsistent incon-sistent speeds, change lanes frequently, fre-quently, disregard traffic signs and drive outside of lane markers. mark-ers. Following these safety precautions precau-tions can help you steer clear of winter driving hazards and enjoy en-joy a safe, happy holiday season. For a free winter travel checklist, call the Utah Safety Council at 262-5400 or 800-933-5943 outside out-side the Salt Lake Metro. Roll Ends For Sale 538 South State Orem 225-1340 Loaf of Bread Protect DiirDougn Imagine if you could cook up a way lo protect your sav ings from inflation. Now you can with the new Series I Bond from the U.S. Treasury. It protects your investment from inflation, no matter what happens. And I Bonds are available at most financial institutions. Call for more information, or w riic Bond Investor's Guide, Parkersburg, WV 26106-1328. Everyone Needs a Safe Place to Grow I-800-4US BOND www.savingsbonds.gov t IHllllic Will' III lllis Hl!llir,ljl Qf: JL I |