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Show March 5, 2003 Gunnison Valley NewsSalina Sun Financial Focus Obituaries Lenny Ask Yourself These Questions About Retirement Brent by Brian Crosby Edward Jones, Ephraim If you have Newby many left until Salina -- Our loving father, son, brother, grandson, uncle, nephew, Our loving Gunnison, Utah wife, mother, and grandmother, Reva Beverly Nielson Childs, 76, passed away February 25, 2003, peacefully at her home. She fought a long courageous battle with Parkinson's disease and faced death as she lived with grace and courage. Beverly was born October 15, 1926, in Ephraim, Utah, to Niels Adin and Reva LaBelle Breinholt Nielson. She married Lynn Grover tions within the church and was a dedicated and a talented genealogist. She had a great ability to express her feelings and thoughts in words. She was a strong support to her husband and children always giving them the strength tocarry on. Beverly is survived by her husband, Lynn Grover Childs, Gunnison; children, Randall L. (Shelley) Childs, Lindon; Scott N. (Robyn) Childs, Salt Lake City; Karen (Garth) Me1 Murray; Lynette (Bruce) " .er. Pleasant Grove; 13 grander., Jren; 2 brothers and sisters, LaRane Kunz, Newby, 25, of Salina passed away February 28, 2003 in Salina, Utah. He was born June 11, 1977 in Richfield, Utah to Brent and Debra Malmgren Newby. Tooele. Grandparents: Bob and Lenny loved the outdoors, especially hunting and fishing, but most Berva Malmgren of Salina; LaCoy of all he loved his two sons, Baylee and Vida Newby of Kearns; and Fern (Edgar) Nielsen and Jayce Newby. Lenny will be Utah. Nieces and of Centerfield, missed his and family greatly by friends and most of all his two little Nephews: Katelyn, Alyssa, Cheltsey, Kamree, Austin, McKinsey, Chantri, boys who looked up to him and enjoyed their time together doing the and Kaybri. He was preceded in death by things they loved with each other. Lenny made his presence known Grandparents: Edwinn Malmgren, everywhere he went with his knack Royal and Bernice Holdaway, Leonard and Christine Newby and for making people laugh and by beand Francis Davenport. James the life of ing every He is survived by his sons: Lenny Cousins: Brittney Bo Sylvester and Baylee Newby (6), and Jayce Ryan Wells. Funeral Services were held March Braxton Newby (4). Parents: Brent 4, 2003 in the Salina Stake Center, and Debra Newby of Salina. Brothers and sisters: Brady and (Amber) with burial in the Salina Pioneer Newby, of Richfield; Brenna and Cemetery under the direction of (CG) Heath, of Redmond; and Springer Turner Funeral Homes of Kristyn and (Russell) Monroe of Salina, Richfield, and Gunnison. Audrie i. Lorentzen Wanda M. Morris son-in-l- and Wyoming, Sharon Dein, of Las Vegas, Nevada, Sondra Russell of Gunnison, and Starla Robinson of Kremmling, There was a private service at home with the family. March is Music In Our Schools Month March is Music In Our Schools Month, a nationwide celebration understand that skills learned through the discipline of music in schools and communities transfer directly to study skills, sponsored by the National As- communication skills and cogsociation for Music Education. nitive skills useful in every part Programs focus on the impor- of the curriculum." tance of introducing students to music education and playing an instrument. Studies collected by the National Association for Music Education with music coursework and experience in music performance scored higher on the students who particiband or orchestra rein pated lowest lifetime and the ported current use of alcohol, tobacco constant and illegal drugs.-Th- e adjustments of tempo, tone, style, rhythm, phrasing and feeling train the brain to organize and conduct numerous activities show:-Studen- retire-men- t, Kimberly E. Beck, not might think much about it. After all, you're busy with work, family, activities who has the luxury to think about retiring? And yet, by asking yourself some key questions about your retirement, you'll be far better prepared for the day when it arrives. What types of questions should you be posing to yourself? Here are a few to consider: What's my "vision" for retirement? We all envision different retirement lifestyles. You may want to work until 65 and then open up a small business. Your neighbors may want to retire early and spend their time traveling the world. Because each of us has his or her own unique retirement vision, we'll also end up with different financial needs during retirement which means we need to create personalized savings and investment strategies. Where will my financial resources come from? Most people get their money for retirement from three sources: Sod cial Security; plans, such as 401(k)s; and personal savings and investments. Because everyone's situation is different, there's no one "formula" for determining the percentage of your retirement preceded in death by her parents; a income that must come from son Jimmy; brothers Rhuben, Fern each of these sources. However, and a sister Leah Conover. it makes sense for you to do all Funeral services will be held Satcan to build your resources you urday, March 1, 2001 at 12:00 Noon in all three areas. in the Salina Second L.D.S. Ward How much can I withdraw Chapel, located at 98 South 100 East each year of my retirement? in Salina. Friends may call at to advances in medicine Thanks Funeral in Turner Home Springer Salina Friday Evening 6:30 to 7:30 and a growing awareness of the and Saturday morning 10:30 to 11:30 importance of healthy lifestyles, prior to services. Burial in Salina you can probably expect to Eastside Cemetery under the direcspend between two and three tion of Springer Turner Funeral decades in retirement. That's a Homes of Salina, Richfield and long time - and you certainly Gunnison. don't want to outlive your resources. Consequently, you'll want to estimate how much MD Meacham, FNP, PhD Family Practice Medicine 76 East Center Gunnison Cristy -- growth-oriente- sonal tolerance for risk. Will 1 face big tax bills? Many people assume that their tax obligations will automatically drop when they retire, but that doesn't always happen. Your income from investments could easily keep you in the same tax bracket, or even push you to a higher one. To prevent this from happening, you'll want to consistently keep taxes in mind when you invest. You e may want to explore IRA. Roth as such the options, vehicles, such as your 401 (k) or traditional IRA, are also valuable but, sooner or later, taxes will be due. One key to preventing these taxes from overwhelming you is to plan your withdrawals carefully, so that you're not taking out more than you need. Can I maintain my financial independence? If you were to ever need some type of longterm care, such as an extended stay in a nursing home, you could face catastrophic costs. In fact, the average cost of a year's stay in a nursing home is about $50,000 - and these costs could rise tremendously by the time you're retired. To protect your financial independence, you may want to invest in a longterm care policy, which transfers the risk of paying for long-tercare from you to an insurer.'' By thinking of these and other tax-fre- Tax-deferr- -- company-sponsore- m retirement-relate- d inquiries, you'll motivate yourself to take action that can help ensure the type of retirement you want. If you're diligent, asking the right questions can lead to finding the right answers. L. 435-528-79- 35 After Hours Questions Call Prescription Refills Please Call 528-791- 7 Walk-in- s Welcoming New Patients Most Insurance Accepted Always Welcome Let's Deal Were over stocked on 6x6, 6x8 house log seconds! Great for sheds, cabins, etc. 2ZSZ2 J 'I dt Call today & well play 2 Make a Deal! Satterwhite Log Homes has a limited quantity of 3x8 & 3x6 Siding. Homes Satterwhite Log - toll free fax (435) http:www.satterwhite-log-homes.co- Sanpete Vallej Healtkare Foundation presents , . ts in- flation? If inflation heats up again, your purchasing power could be seriously diminished during your retirement years. That's why you need to build a retirement portfolio that contains a sizable amount of d investments that also meet your needs for diversification and your per- great-grand- Childs, September 25, 1946, in the Salt Lake LDS Temple. They were blessed with four children: Randall, Scott, Karen and Lynette. Richard Beverly was raised in Ephraim LaRue Baumgarten, where she enjoyed the out of doors, Nielson, Jenny Lou Norton, Kathleen Droubay. being with her parents and horseFuneral services were held Satback riding. She graduated from Snow College with an Associate urday, March 1, 2003, at 11 a.m. in the Gunnison Stake Center, 80 W. Degree in the Arts. Mom was a loving kind wife, Center. Burial was in the Gunnison mother, and friend. She had a beauCemetery. Funeral directors, j tiful smile. She kept a lovely home, Magleby-Jense- n Mortuary, Salina was an excellent seamstress and and Gunnison. The family would 092615 - 022603 ' ' like to send a heartfelt thanks to loved gardening. SALINA, UTAH Our kind and Beverly was an active member of Noralee Koeven, Gunnison Valley beloved wife, mother, grandmother the LDS Church and had a strong Hospice, Carol Maes and Sharon and great grand mother, Audrie testimony of the gospel. She held Christensen for all their love and Vera Jensen Lorentzen, 87 died Febmany leadership and teaching posi- - care. ruary 26, 2003 in Gunnison, Utah. She was bom September 26, 1915 in Emery, Utah, a daughter of Antone E. and Mary Elizabeth Abeline Jensen. She married James Reece Dalton in Beaver, Utah.H la(er died. She married Reed Layar Lorentzen, October 14, 1944 in Las Nevada. Vegas, A very loved and special woman She is survived by her husband died in her daughter's home in GunReed of Salina; daughter Louise nison on February 19, 2003. Wanda, Bown of Bluff, Utah; in born Grand was 77, Junction, Douglas Bown of Fayette, Utah; Colorado, and lived in several areas grandchildren; Patti ( Bruce) in Colorado working in Sawmills Mitchell, of Kamas; Paul ( Lynne) with her late husband, Walter Bown, of Centerfield; John (Marti) (Buzz). She has lived in Gunnison Bown of Gunnison; grest grandchilfor the past 7 years. She is survived dren; Crystal, Lila, William, Way lan, by her 4 daughters, Shirlee Colorado. She had 14 grandchildren Dillon, Katelyn and Seth. $he was Sheridan 1 Bertroch,of and 28 n; year. Am I protected against years you cousin and friend, Lenny Brent Beverly Nielson Childs you'll have to live on during retirement, and how much you can afford to withdraw each 528-500- 3 m . ry n at once. John Mahlmann, executive director of the National Association for Music Education, said, "Music teachers and parents Mesquite Senior Games Planned If you are 45 years old or older and love to compete in sports activities, the Mesquite Senior Games are for you. The second annual Mesquite Senior Games are being held April 28 May 4, 2003 in beautiful Mesquite, Nevada. Twelve sports are represented with multiple events for each sport. This year's sports include: Swimming, Basketball, Tennis, Golf, Men's and Women's Soft-bal- l, Bowling, Fun WalkRun, Sporting Clays, Archery, Horseshoes and Track and Field. For further information or to register, log on to our web site at b Activities Center For tickets and info I43S-462-24- 4I www.mesquitesen.ior games.com or call MWMt |