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Show Will Lakeside Review South, Wednesday, October 31, 1984 Can Prevent Inheritance Problems SUSAN TANNER HOLMES means that you can choose gets what. Dying interstate, without a most often produces results trary to those desired by the son who died. A person who not write a will lets the state Review Correspondent FARMINGTON Just what and do I need one? are questions commonly asked by many individuals today. Surprisingly, few people take time to exercise this freedom. A will is a written instrument by which a person can direct how his property will be distributed upon his death by following certain formalities prescribed by law, says Zions First National Banks booklet, Ten Basic Reasons why you need a will Now. The first reason is for you to select your own plan to transmit property to your heirs. That is a will who will, conper- does laws decide on the distribution of property. In many states a state will says d that the wife gets of the property and the children get two thirds of the property. Reason 2: Name your own guardian for your minor children. A will can designate who will act as guardians for minor children. one-thir- rangements that might be required to provide for the care, maintenance, support and education of your children." The third reason is the decision on tax and expense burdens. A quick trip to the attorney will save your heirs tax problems in the long run. Did vou plan to leave vour grandmothers ring to your oldest daughter. State wills make no effort to deal with these problems. Reason 4: Every individual wants to dispose of his property differently. Your will can serve as evidence Planning in advance, you can of important family information. make any necessary financial ar Confirmation that distinguishes WHAT DOES HARRY GERLACH BELIEVE? property rights can save the family a great deal of taxation. Plan for a common disaster. o couFor example, a ple, have no children. In the event of a common accident, all of the estate of both may go to the relatives of the spouse who survives even for a few minutes. The relatives of the first spouse to die may be left without anything. Reason 8: Save taxes by taking the maximum marital deduction. Reason 9: Plan to utilize effective estate planning techniques. You can create your own special arrangements, trusts, and performance of business arrangements. FAMILY UFE: well-to-d- He it greatly concerned about pornography, the Zero Population concept (PP) and detenoration of Family values. He would be willing, when called upon to when these and similar participate with citizens andor Community Leaders problems arise in Davis County ciency. VOTE FOR HARRY GERLACH Davis County Commission - Republican Priach PoUyal ad paid by Harry WANT TO BUY A HORSE? Then turn right now to our livestock heading in Classified. Calcium Necessary For Health Drink your milk, is good advice for adults as well as children. The calcium contained in milk and other dairy products is essential to preventing osteoporosis in later life. Osteoporosis means porous bones and it is estimated to affect 5 million Americans. Characteristically,' the condition is diagnosed in women past the age of 40. The symptoms are weak, porous bones which fracture under light pressure. One of the major causes of osteoporosis in older adults is the lack of adequate calcium intake and bone development during the growth years, says Dr. Deloy Hendricks, professor of nutrition and food sciences at Utah State University. A diet consistently low in calcium causes the body to switch over to an internal source of calcium, which is the bodys own skeleton. The body gradually breaks down the bones to fulfill the bodys need for calcium, 1 Hendricks says. He says although your diet is important in prevention of osteoporosis, there are other factors involved. You can assess your own risk of one loss disability by answering these questions and tallying your points: Sex: If you are a postmenopausal woman or have undergone hysterectomy and are not taking estrogen replacement treatment (add 2). Women past menopause can lose 1 'h percent of their skele" tal mass pet1' year.' If you are a premenopausal woman (add 1). Osteoporosis seems to be related to the hormone estrogen. Women who are low estrogen producers seem to lose calcium more quickly. Age: For either sex, if you are 9 over age 70 (add 3), (add 2) LACQUER THINNER (add 1). 50-5- 9 98 1 60-6- and Ethnic Group: If you are Caucasian (add 1). Research indicates that other ethnic groups lose bone mass more slowly and blacks generally have a larger bone mass to Removes varnishes and stains. begin with. Body Frame: If you have a slight body frame (add 2) and if you have a medium frame (add 1). The larger the bone mass you start with, the longer it will take your bones to get to a breaking point. Calcium Intake: If your daily consumption of milk or dairy products is less than two glasses per day (add 2). If it is between two and four glasses or its equivalent per day (add 1). One ounce of cheese is equivalent to one 12x12 Place-n-Pres- PERMA-BIL- FLOOR TILE Stylistic $ inch is vries T s ALL PERMABILT glass of milk. Sunlight: If you have a lifestyle that generally allows you one hour or more of direct sunlight per day, or if you routinely drink a quart of vitamin D fortified milk per day (subtract 1). Exercise: If you have a regular routine of heavy exercise four times a week, or if your job is very physically active (substract 1). Research indicates that people who exercise regularly retain more calcium in their bones. Fluoride: Check your city water supply. If it contains at least part pef million fluoride or if you take 1 mg of fluoride per day (subtract 1). Fluoride decreases the rate of bone absorption by the body. Drugs: If you take glucocor-tide- s treatment of for long-terarthritis, rheumatoid or asthma or if you take anticonvulsive treatment of drugs for a seizure disorder (add 1). Hendricks says if you add up your points and the total is more than eight, you are at high risk of bone loss disability. If your total is 7 you are at moderate risk and a score of three or less puts you in the low risk category. s OFF VANITIES, LIGHT BARS, MEDICINE CABINETS While supply lasts Big Savings on Prefinished Paneling! RED OAK S S as low nn n Paneling 458 as Each ALL 4x8 PREFINISHED PANELING UVOFF ?' INSTOCK! T&G TIGHT KNOT CEDAR STRIP PANELING 88 H Artesian MOSS MASSAGE SHOWER HEAD WHITE TUB SURROUND Many styles available. 38"x4" Strip Package 22 sq. ft. per package. 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