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Show 1 1 Sun Advocate Price, Utah Tuesday June 18,2002 3B Women can have the retirement of their dreams BY: 1 J and chal-leng- one account By consolidating your retirement savings into one account, investing, monitoring and rebalancing your retirement fluids should Ins quicker and easier. And if you consolidate your fluids at a financial services firm, you may also have a wider es ' women now have more opportu- - Jitotosaveforamorecoinfort- ible and secure financial future. Fint lets look at the unique chal--; enges many women face. Women tend to earn less J than men in the workplace - on ! average about 76 cents for every 2 dollar earned by men. Further ; curtailing earnings, women often spend long periods out of the workforce to raise children or I care for elderly relatives. ' Lower pay and less time in ;the workforce often result in ; smaller retirement portfolios rcUrCujCni ulVCSuIlCQCS relationship with a finan- GDOftCC OX and a cial advisor who can provide planning and support. Other benefits of a consolidated IRA include potential cost savings, since you may save . money by having one account and paying a single IRA fee, and less paperwork, because you receive one consolidated statement that indudes all your IRA assets. You may also benefit from simpler . and lower oompanypensionben- efits for women. For the same .reasons, womens Social Security ' benefits may also be lower than ' those of men. ) Even though women receive lower pay and benefits, they most likely will need a larger retirement nest egg than : men require. Thats because women generally live longer than men and must finance more years in retirement Although married women may share their husbands saving those assets may be quickly depleted if he becomes ill and typi-'ca- lly . dia first - which, considering life expectancy, is often the case. Despite the challenges, : women can have the retirement oftheir dreams. One of the best ways to help ensure a financially i plans into an EmS consolidate them into Women and men are Venus Man not only when it comes to communication styles. Theyre j.olten worlds apart in the they face to build their nest egg. Thanks to the J Economic Growth and Tix Relief Reconciliation Act of 2001, 2 asset allocation, as one account makes it easier to review and reallocate your IRA funds so they remain aligned with your goals, and ease of distribution, since taking required minimum distributions from a single account is easier than from multiple ac- the coining of the Economic Growth'and Tax Relief Reconciliation Act of 2001, women have a better chance of securing their economic future. With healthy retirement is to invest regularly in an IRA. An IRA is a way to save for retirement that offers certain tax benefits. Higher IRA contribution limits. Under the new tax laws, you can invest more in an IRA than before. Annual contribution lim' its for both traditional and Roth IRAs increased from $2,000 to $3,000 for 2002, allowing you to take advantage ofthe opportunity to begin saving more for retirement right away. The limits will continue rising from $3,000 in 2002 to $5,000 in 2008 -- and after that they will be indexed to inflation and raised in $500 in-eremen ts. Catch-u- p provisions. The new . tax laws help older workers catch up" on contributions to their retirement savings. This is good news for women whose saving plans may have fallen behind because of time out of the workforce raising children or providing other caregiving. People 50 years and older are now able to contribute an additional $500 per year to their IRA beginning this tax year through 2005, anTup to $1,000 for 2006. opportunities available. A knowledgeable financial advisor can provide details on the new tax law - and can hety you create a financial plan, choree investments for your objectives and update your plan 8S your finances evolve over time. "Source: U.& Department of Labor, Bureau of Labor Statistics, August 2001 Parkinson 3hS&ti8l3(Gl3 Sattcrwhite Log Homes has . g. ; .... , ;,Keep . 1 & ut . Service, Quality & Fair Value Sun Advocate A Tuesday Heq Little She-Dev- il Someone loves qou! Guess Who? . Alwaqs, Thursday TUaaday CkMHMi . 34J00 (JucJq Moore) Love piospunvu buyuo usoti wuuk DmSIm tar OmSM Aria ManSw 1 WWnMdw IMS AN 637-07-32 Featured on your White & Green Phone Book Covert www.consumerprefefTed.net Tb Citizens of Carbon County and Beyond, Were over stocked on 6x6, 6x8 house logyA1! seconds! Great for sheds, cabins, etc. I want to let you know, those of you having computers, that you can Make a Deal! t limited quantity of 3x8 & 3x6 Siding. to http:www.PETmONONUNExocvUSHR1146 you Of course we would appreciate all of you helping all you can to get rid of the UN, by as many as can, using your computer or fox to help get die UN out of business. You know how, please do it, and thanks. Always in contacting your Federal Officers, please tell them to help get rid of HR2459 and not even let it be brought up for voting. Tbll them, upon your reading of your Constitutions, it makes you their Boa and tell them to please pay attention to your needs and that you neither want nor need any one world body to control you and you want them to live up to their sworn duty to yop for voting time always conies again. Be nice, but firm. 528-50- 03 m ' A New Indispensable Internet Tool For Your Business! Friends, the Constitution doesnt say how often the same person can sign the same petitions, it lays we can petition Government for redress of grievances and thats all we are doing know that, so frankly, I see nothing wrong with the same person signing the same petition again every so often, so say every two weeks or so, use your own judgment Be reasonable about how often, dont over do a good thing, but let them know we simply dont want any UN for that . The Utah Legal Notice Database ia online! Manual searches are fined Or, aubacribe to Smart Search and receive daily delivery of local and or statewide legal notices of vital importance to your ail Go to: www.utaUegalndtices.com A service of the Utah Press Association and your local newspaper go PETmONHTML then you will find another anti UN petition can sign to help get rid of the UN. well play http:www.satterwhite-log-homes.co- - Buckling up saves lives! Its also the law in Utah! Monument honors former governor fort-buildin- Location, location, loca'Thkei trips to the book- - tion. Encourage kids to read timeout wheiethey are comfortable. A store or Jforaiy. to browse through a store and good book knows no bounds, alfow them tbpick out their &-- whether ifsontbe porch, up in vorite book. Fdnt out books', storehouse, or under the bed. that may be interesting to them. Books make great gifts. books in the car or The next time kids are invited ' tucked in backpacks. Children to a birthday party, give a gift can read while traveling. In a certificate to the focal bookstore. car,onabus,ulingonaboat, aNo lights out! Dont give or flying in a plane, a book kids s lights-omakes time at night perfect companion. Encourage the reading ofa Let them read in bed if they series: When kids fall in love want to. Theyll feel grown up, with a series, their next book is and reading before bed could easy to find. By the time they turn into a lifelong habit The Anqel Ed fax (435) ETUPA cret . 08-49-- 01 toll FREE - - Happq 1st Anniversary Homes Satterwhite Log - buine- o gj , 1x1 anBmlB96BSE JUtAL . are through with a series, they are reading better and have be-tform the habit of read-Challenge them to get ' a new series. Y. reading with their favorite activities. Find books that match their interests s How to get started. Whether youre just starting to think about retirement or are well on your way toward your goal, nows a great time to check into the new IRA ment savings. The recent tax law changes have also increased the portability ot retirement saving. This is particularty important for women who have changed jobs, taken time offto raise a family or inherited retirement accounts from a husband or parents. Port tpv II boyi-rhia- V ' counts. Greater portability of make a u v t' Robert iGould, creator of Rex" and"Rex2" -t- he first titles in a series of adventure several tipe books for for motivating kids to read. V Encourage them to read Kids of all ages enjoy aloud. ; ' reading skwd to their parents show lets off them and peers. It their ability and allows parents ability means you can move or roll over your assets oradeceased assets from former em JOHN FORD Financial advisor ' is slavery. ' AU, please contact in the best way you can, your State Congressmen, and tell them they are supreme over their agents in the Federal Congress and for them to order their agents to do their best to help get rid of the UN and get rid of H2459 for voting time comes again. Bill Darter Your Utah Informer working for your freedom . at the Emma Park Flats on Highway 191 honors former Governor Simon Bamberger. It was put up in 1918 by inmates who were Gate Road at the time. 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