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Show Thursday, May 3, 2007 Page 2 OREM TIMES Fire NEWS AND NOTES TO KEEP YOU INFORMED AND INVOLVED Author stresses importance of retirement planning Michael Rigert Most people don't realize that from the moment they enter the job market their fi nancial and retirement clocks are ticking, and for many who pro-scrastinate, pro-scrastinate, it may Ik' too late. That's the urgent wake up communicated commu-nicated in a new book A.?. t n Robert Lamoreaux by ' rem attorney and estate planner Robert lamoreaux entitled "Winning or l-osing: The Financial and Retirement Race." It's a race he explains Ix?-cau.se Ix?-cau.se the experience called life happens fast and if people postpone their financial and retirement planning until later in life they may have found they've lost out in all aspects of their golden years. "If we don't enter the race and start doing something, when we get to age 65, it's too late. Many people by 70 are broke and can't maintain their lifestyle," he said. An attorney specializing in financial and estate planning plan-ning for the past 35 years, Lamoreaux realized that many avoid preparing for their financial fi-nancial futures either because of the expense or because they simply didn't realize they needed it. Me initially published a book in 1990 on estate planning made easy but later found that the tax forms included in the book were too complicated for a lay audience. audi-ence. "One thing for everybody was kind of impractical," he said. Yet lamoreaux repeatedly witnessed first-hand through clients and others he knew the despair and disaster that resulted from the inability of gtxxl every -day families to CARE Continued from Page 1 million; major cultural, $6 million; mil-lion; "other" cultural, $500,000; administration, $500,000; and contingency, $400,000. During the council's deliberations, delibera-tions, the SCKRA, Hale Center Cen-ter Theater, and storytelling were referred to as "the Big Three" in cultural arts in Orem. It appears the council may NorthCounty NEWSPAPERS 399 E State St Pleasant Grove Marc Haddock 443 3268 North County Editor mhaddock heraldex tra com Cathy Allred 443 3262 Lehi, Saratoga Springs, PI. Grove callredheraldextra.com Barbara Christiansen 443 3264 American Fork, Alpine, Cedar Hills bchristiansenheraldextra.com Mike Rigert 443 3265 Orem, Vineyard mngertheraldextra.com Beky Beaton 443 3267 Sports bbeatonheraldextra com Josh Walker 443 3260 Advertising Account Executive jwalkerheraldextra com Volume 134 O'em Times Darfy Herald Ldition USPS 411-700 a weekly newspaper published at 399 E State St Pleasant G'ove Utah 84063 Periodicals postage paid at Pleasant Grove, Utah B4062 and at additional mailing ottices Poetmeeter: Send address changes to Orem 7 mes. PO Box 65, Orem, Utah 840S9 0O65 Published Thursdays by Lee Publications, which is a rtwsion of Lee Enterprises. Inc Member: Audit Bureau ot Circulations prepare their finances, trusts and wills for the well-being of them and their children. "We're dealing with a lot of deep feelings and emotions," he said. "It's a very emotional time and a very difficult for many people." Though individuals and couples should begin contributing contrib-uting to 401k or IRA accounts in their early 20s, in his experience expe-rience he found most waited until their fifties or sixties to think about their senior years. By that time, most have lost out on most opportunities to accumulate assets and inflation infla-tion devastates those on fixed incomes, he said. "I wanted to help a large number of people, to do something some-thing with my knowledge to help the general populace plan for a better retirement," Lamoreaux Lam-oreaux said of his motivation behind publishing Winning or Ixising. An informational guide to financial and mental security, Lamoreaux's book covers aging ag-ing and retirement, preparing for the future, how to pick the right professionals and the finer fin-er points of investing, money management, insurance and taxes. Retirement planning 101, which Lamoreaux outlines in the book, includes establishing estab-lishing living wills, medical power of attorney, diversified investments, and life insurance. insur-ance. Long-term planning also includes life style decisions, health care and other factors. If a retiree has a debilitating disease such as diabetes, "it doesn't take long to totally annihilate one's life savings," Lamoreaux said. Debra Gay nor of reader-reviews. reader-reviews. com said "Winning or Losing" "offers his wisdom in a simple manner that lay people can easily understand." "This should be required reading for those fresh out of college for retirement age comes faster than we expect," she states in the review. "Winning or Losing" is available at major booksellers booksell-ers including Barnes & Noble, fully fund SCERA's request for $569,000 for events and programs, pro-grams, and the Hale application for $.395,645. The Utah Storytelling Guild will likely receive the $3,850 requested re-quested to begin a story camp, and $6,580 for a program that will take stories about character charac-ter traits into schools. The Timpanogos Storytelling Festival's applications for several sev-eral big-ticket facilities grants were considered, but the coun Phone: 756-7669 Fax: 756-5274 DAILY BS1ALD PUBLISHING CO. Jennette Esplin 756 7669 Office Manager Erin Stewart 344 2558 Project Coordinator, DesignerCopy Editor Julia Fullmer 344 2570 DesignerCopy Editor Jeremy Harmon 344 -2585 Photographer Issue 69 1 UVSC GRADUATION : 6 rA l - 'A VH H T V , it u' ASHLEY FRANSCELLDaily Herald Kristen Forbush, Kurt Holker and Annmarie Alto from left to right all graduated from UVSC April 27 from the School of Business in hospitality management. "After five years of sacrifice it feels great, " said Forbush. "It won't hit until fall comes and you don't describe your life in semesters." Borders and Amazon.com. OREM BRIEFS I Election filing code amended amend-ed Orem City Code was amended by the City Council April 24 to bring it into compliance com-pliance with state code on election filings. In 2006, the state Legislature Legisla-ture amended the deadline for write-in candidates to declare their candidacy from 14 days before an election to 30 days. In the 2007 general session, a bill was passed making the cil was not yet ready to allocate $106,692 for the design of "The Center for the Story." "It feels early to me a little early, and unexpected," said Councilmember Margaret Black. "We need more time." Councilmember Karen Mc-Candless Mc-Candless said she feels that the "Center for the Story" is a "wonderful idea," and that storytelling is "Orem's stamp nationally as far as cultural arts are concerned." Tough situation, tough woman Last week was about as tough as it gets, and in the middle of it all, I talked to someone who remembered Kari from high school. "Your daughter is kind of a fragile girl, isn't she?" she asked. No, ma'am. If we've learned anything any-thing over the last few months, and especially the last few days, it's that Kari is anything but fragile. There's been a lifetime of hurt in those months, and Kari has seen her way through it with a toughness that surprised us all. We were so excited when Kari and her husband, Wade, announced they were going to have their second child. Their daughter is a constant source of delight and we were anxious to meet the next addition. There's always room for more grandkids. But early in the pregnancy, they learned that the baby had a congenital condition that could be a problem and could require some prenatal care. Everyone hoped the second examination would find the baby's condition improving. In fact, we just took it for granted that everything would work out. But with each ultrasound, and each visit to the doctor, the situation became more serious. The condition made it difficult for the baby's lungs to develop, and something had to be done soon to give him a chance to live. There was a procedure, we were told, that could mean the difference between life and death, but it would mean major sacrifice, including two in vitro operations, a six-week stay in San Francisco where the operations would take place. Kari wouldn't be able to travel between the operations. opera-tions. It was all relatively new, but had been quite successful, the doctor told us. So we started making plans to spend some time in California, and hoping that a subsequent examination would find this child a prime candidate candi-date for the procedure. That didn't happen. Instead, the doctors found that problems with the developing fetus' lungs and heart which ruled out this procedure, or any other procedure. filing period for municipal elections from July 1 through July 15. The municipal primary prima-ry elections are now the second sec-ond Tuesday after the second Monday in September, and the previous filing period of July 15 through August 15 had to be changed to accommodate early voting requirements. ft Adapted T-ball signups The Orem Recreation Department is currently taking tak-ing registration for Adapted T-ball. Adapted T-ball is designed de-signed especially for boys and girls ages 5 through 25, with The council asked for more information, including lists of priorities, from the city's various departments and affiliates af-filiates that applied for a total of $17,514,328 in money for facilities more than the total amount of revenues expected from the CARE tax. "We do have a finite amount of money," said Mayor Jerry Washburn, "and we also have a stewardship to make some of those decisions." Marc Haddock THE EDITOR'S COLUMN 2- ',-,-, iff I in new book mild to moderate mental and or physical disabilities. This program teaches participants par-ticipants the basic skills of baseball with emphasis on fun and team work. Registration are being taken at the Orem Fitness Center, 580 W. 165 South. The program will begin on Saturday, Satur-day, June 2, with games being played at Westmore Elementary Elemen-tary School, 1150 S. Main, Orem. Fee for the program is $27 and includes a T-shirt and a trophy for each athlete. Volunteer Vol-unteer coaches are needed for this very rewarding program. The council worked its way through the $36,725 in applications applica-tions for mini-grants of $5,000 and under, and $1,068,105 in major grants in amounts over $5,000. A number of grant applicant organizations were disqualified for not meeting the requirement of operating under an active 501-C3 non-profit status sta-tus with the IRS by the application applica-tion deadline. The council is still considering opening a second round of applications in the f all The news was devastating. As long as the fetus remained in the womb the most effective life support system known to man he could survive and develop, growing 10 fingers and 10 toes and looking, on the outside, to be a normal, happy baby. Once he left that environment, he could not survive. His lungs and heart couldn't make the transition. As one member of the Primary Children's Medical Center palliative team put it, "What we have here is a baby who has a 100 percent incompatibility incom-patibility with life." The best the young parents could hope for was a few minutes with their baby. From that point, we all started preparing, pre-paring, emotionally and otherwise, for a birth and then a funeral. We were all sad, but none as sad as Kari and Wade, as they grieved the death of their baby for months before he was born. It all ended last week, when John William Gardiner was born and died within the space of a precious 12 minutes, all of them spent in the arms of his mother and father, with grandparents grandpar-ents and family members gathered outside the hospital room. I don't think I've ever seen anyone sadder than those two kids after John had died. Over the next two days they made preparations for the funeral, which included a visit to the mortuary mortu-ary to dress the baby's 3-pound 8-ounce body, and place him in a casket the size of shoe box. Family members crowded the mortuary for the funeral, and after a couple of brief speakers, according to the parents wishes, the microphone micro-phone was turned over to the group. After remarks from parents and grandparents, grandpar-ents, Kari got up and talked to us about her son, and how grateful she was for those precious 12 minutes. She told us how the experience had strengthened her faith. Wade followed, and we all received a lesson in true maturity. A fragile girl? Hardly. The person we saw Saturday was a woman, and a tough one at that. Continued from Page 1 Church sprang into action. Neighbors scurried back and forth, contacting the Riley's insurance company, temporarily taking in their dog Rusty, and bringing by clothing and food. Pastors from their church, Scott McKinney and Dan Grinder, and friends were at the scene, offering support, making lodging arrangements arrange-ments and setting up a relief fund for the family (www. chrisev.org). "As you would expect, they were in shock," Grinder said. "In these instances, the reality doesn't really set in until a couple of hours after." Though the Rileys relocated relo-cated to Orem from southern California last fall knew they were coming to an area that had an strong sense of community and embraced families, they were utterly unprepared for the outpouring outpour-ing of support. Even as they watched what was left of their home smolder in ashes and soak in water from the fire hoses, Glenda Riley was incredulous as a neighbor whose name she didn't even know came up to her and placed her house key in her hand. In these instances, the reality doesn't really set in until a couple of hours after. Dan Grinder PASTOR . Posters on the KSLTV Internet site asked what they could do to help and offered to send food, clothing and donations while neighbors removed soot -covered item reeking of smoke from their garage and cleaned or washed them. Miraculously, the family fam-ily was able to salvage the only existing photograph of Glenda Riley's grandmother from El Salvador that was protected from the water that now fills their basement by random piece of lumber. Similarly, they also recovered recov-ered son Chris Riley's coveted cov-eted Anaheim Angels jersey autographed by members of the 2000 team. "Those are things that you can't replace," Jan Burroughs Bur-roughs said. During a telephone interview inter-view with Riley on Tuesday, he drove up to the remains of their home at 88 W. 1525 North to see white signs with messages of support and hope placed across the front yard. "You can't even imagine," he said. "Now I'm pulling up and my eyes are wet again." An Orem fire official told the family the blaze started in the attic, and if had happened hap-pened at night while they were all in bed when the roof collapsed, the outcome may have been much more tragic than the estimated $300,000 loss of their home. Riley said the family has met with insurance representatives repre-sentatives and investigators in the last two days to sort things out and they hope to rebuild their home on the exact ex-act same spot. "After what we've been through and with the support we've gotten, there's not a place in the world I'd rather live than on this corner," he said. At no surprise, the feeling is mutual. "The main thing I want people to know is they're just an incredible family to look at the bright side even as their house is burning down," Jan Burroughs said. "We just want them to get the house fixed and get moved back in." Riley is erecting a thank you sign in the front yard to thank neighbors, friends and the community for their unwavering support and hopes people will come by and sign it. Contributions to the Riley family can be made mailing or dropping off a check to s Christ Evangelical Church, 280 S. 400 East, Orem, Utah 84097. Checks should be payable pay-able to Christ Evangelical Church with the words Riley family on the memo line. |